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What is the best age to take Social Security?

age 62 From a Social Security standpoint, you can start getting lower benefits as early as age 62, or you can delay retirement up to age 70 for your maximum monthly benefit amount. At age 62, your benefit amount is about 25 percent lower than your full benefit at age 66.

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May 12, 2015 • By Doug Walker, Deputy Commissioner, Communications

Last Updated: May 12, 2015

You may be trying to figure out what the most beneficial age is to say goodbye to your colleagues at the office. This is one of the most important and challenging decisions you’ll make in your life. When you decide to retire affects not only you, but it could have serious, long-lasting consequences for your family members, too. The answer is not the same for everybody, and I’m going to share some information that can help you make an informed decision based on your own personal situation. If you delay receiving your Social Security until age 70, the monthly amount is 32 percent more than you would get at full retirement age. From a Social Security standpoint, you can start getting lower benefits as early as age 62, or you can delay retirement up to age 70 for your maximum monthly benefit amount. For example: Let’s say your full retirement age for Social Security benefits is 66, and your monthly benefit at that age is $1,000. Here’s what your monthly benefit would be, starting at different ages:

* Age 62 = $750

* Age 63 = $800

* Age 64 = $866

* Age 65 = $933

* Age 66 = $1,000

* Age 67 = $1,080

* Age 68 = $1,160

* Age 69 = $1,240

* Age 70 = $1,320

At age 62, your benefit amount is about 25 percent lower than your full benefit at age 66. If you delay receiving your Social Security until age 70, the monthly amount is 32 percent more than you would get at full retirement age. From 62 to 70, that comes to a monthly increase of $570 or $6,840 a year. When to retire is a personal decision that you should base on factors such as your current cash needs, your health, and family longevity, whether you have other retirement income sources, and of course, your anticipated future financial needs and obligations. Remember, the average retirement will last for about 20 years, and Social Security benefits are typically adjusted annually for inflation to help maintain your standard of living. For more information, visit www.socialsecurity.gov.

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What is bullet drift?

Spin drift (or gyroscopic drift) causes the bullet to drift slightly horizontally at long shooting distances. The direction of the drift is the same as the barrel twist rotation, i.e. in your typical right-handed rifle it is in the right hand direction.

What is Spin Drift?

Spin drift (or gyroscopic drift) causes the bullet to drift slightly horizontally at long shooting distances. The direction of the drift is the same as the barrel twist rotation, i.e. in your typical right-handed rifle it is in the right hand direction. Spin drift is caused by aerodynamics forcing the bullet tip to turn slightly in the direction of rotation as the bullet tip follows its curved flight path. This rotation of the bullet is very small, usually less than 0.1 degrees, but because it affects the entire flight path, it moves the bullet slightly in the direction of the spin. The magnitude of the spin drift is most affected by the spin rate, bullet length and flight time (bullet velocity), to a lesser extent also by air density.

How to adjust Spin Drift in Lapua Ballistics

The Spin Drift correction can be turned off in the Manage Rifle Cartridge data menu under the current weapon profile (Sight-In settings), but we recommend that you select ‘On’ and then leave it as is. In extreme long range shooting (500 m/yds and up), you can fine-tune the spin drift magnitude to match the exact spin drift tested in practice with your firearm and cartridge combination. However, this precise determination of the actual spin drift is very difficult, because the effect of even a very small wind gust is usually many times larger than the magnitude of the spin drift. Therefore, using the factory setting usually gives the most reliable result. Our next tip will feature how to build your own reticle. Stay tuned!

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