<HTML><BODY style="word-wrap: break-word; -khtml-nbsp-mode: space; = -khtml-line-break: after-white-space; "><BR><DIV><DIV>On 21, Aug 2005, , = at 23:36, Thomas Cole wrote:</DIV><BR = class="Apple-interchange-newline"><BLOCKQUOTE type="cite"><SPAN = class="Apple-style-span" style="border-collapse: separate; = border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Arial; = font-size: 24px; font-style: normal; font-variant: normal; font-weight: = normal; letter-spacing: normal; line-height: normal; text-align: auto; = -khtml-text-decorations-in-effect: none; text-indent: 0px; = -apple-text-size-adjust: auto; text-transform: none; orphans: 2; = white-space: normal; widows: 2; word-spacing: 0px; "><BLOCKQUOTE = type="cite" cite="mid410-22005812235924203@earthlink.net"><DIV = style="color: rgb(0, 0, 221); "><DIV style="color: rgb(0, 0, 221); = "><SPAN class="Apple-style-span" style="color: rgb(0, 0, 221); = "> </SPAN></DIV><DIV style="color: rgb(0, 0, 221); "><SPAN = class="Apple-style-span" style="color: rgb(0, 0, 221); ">For those = who are on SS and still working, did you take it at 62 or 65 or what? I = don't know how to figure out which is the better way to = go.</SPAN></DIV></DIV></BLOCKQUOTE></SPAN></BLOCKQUOTE><BR></DIV><DIV>I = was going to wait until 65 to start taking it, but then the local SS = office told me that since I had been laid off, I could take it up to 6 = months</DIV><DIV>early without incurring a penalty, so that's what I = did. </DIV><FONT class="Apple-style-span" color="#0000DD"><BR = class="khtml-block-placeholder"></FONT></BODY></HTML>=