Current Pension Topics: The Case Against Annuitizing
By JOEL L. FRANK
      Q.: I will be retiring shortly (age 62) and need to make a decision on taking a pension loan/rollover. The loan amount is $75,000 (principal), so I will be reducing my lifetime pension by about $7,500 per year for life.
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YOUR SOCIAL SECURITY
By DAVID BROWN
      The New Year ushers in many changes. One important change for most people who receive Social Security or Supplemental Security Income (SSI) payments is a benefit increase in 2008. Beginning in January, a 2.3-percent cost-of-living adjustment (COLA) will be applied to all Social Security and SSI payments.
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Ask the City Ethicist: 'Government Rate' Acceptable
By ALEX KIPP
      Question: I've worked for the city for a couple of years now. Every year my wife and I go on vacation by road-tripping to a part of the U.S. we've never been before.
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