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Social Security Basics -- Five Things to Think About Before You Apply

Dear Carrie, Several of my friends and I (all in our early 60s) are understandably thinking about Social Security. Everyone seems to have different ideas -- and different information -- about when to apply for benefits, how to apply and how much we can expect to get. Can you give us a straightforward answer on what we should know? -- A Reader Dear Reader, Since Social Security plays such a big part in people's lives, you'd think we'd have a better idea about how it all works.
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