Write an article based on this "Extend your current employment. Start a new career after retirement. Stay within the income limits for Social Security. Estimate the effect on your pension benefits. Delay enrolling in Medicare Parts B and D. Calculate the impact on your income tax."
article: According to a study, nearly 40 percent of Americans age 55 and older are working. In fact, workers aged 55 and older accounted for virtually all of the workforce growth in the United States between 2007 and 2014. If you are physically still able to work, consider extending your current employment as long as you can, even if you qualify for retirement. Doing so will help you save even more for your eventual retirement. According to a study done by Merrill Lynch in 2014, nearly 40 percent of Americans age 55 and older are working. In fact, workers aged 55 and older accounted for virtually all of the workforce growth in the United States between 2007 and 2014. Nearly 60 percent of retirees venture into a new line of work after the age of 55. Also, working retirees are three times more likely to be entrepreneurs than their younger counterparts. Delay tapping into your nest-egg. Some people choose to continue working for financial reasons. For example, many companies have eliminated pensions. Also, recent economic uncertainty has eaten away at many people's retirement savings. In addition, if your full retirement age for Social Security is 67, you may choose to continue working until you can collect your full benefits. Stay mentally active. Choosing to work in retirement isn't all about the money. It is a way for people to stay mentally active as they age. Others are motivated by increasing life expectancy, which means their retirement may last 20 years or more. They are therefore motivated to find greater purpose, social connections and fulfillment. If you sign up for Social Security benefits before your full retirement age, you will likely have your benefits withheld while you are still collecting a salary. As of 2009, if you earn more than $14,160, you must give $1 back to Social Security for every $2 you earn. If you are of full retirement age, the limit is higher. As of 2009, those at full retirement age could earn up to $37,680 and still collect Social Security benefits without a penalty. Most defined-benefit pension plans are calculated based on a pre-determined number of years. If your tenure with the company exceeds that number of years, you won't get any additional pension benefits. Also, remember that your pension benefit is going to be based on your income for the last few years you worked. If you work reduced hours in your later years, your lower earnings could reduce your pension benefit. If you are still covered under your employer's health insurance policy, don't pay the premiums to also enroll in Medicare Parts B and D. That would be double-paying for health insurance. Also, if you are enrolled in Medicare, your company's health insurance plan is going to try to make Medicare your primary insurance. This means you'll be responsible for the co-pays and deductibles stated in your Medicare plan, which may be higher than those stated by your company's healthcare plan. If you have already started to receive Social Security benefits or are collecting retirement income from a pension or an IRA, continuing to earn a paycheck on top of these income streams may bump you up into the next tax bracket. This could cost you thousands of dollars in taxes. If you are going to be receiving distributions from a 401(k), you can delay the payments until after you stop working. But, if you have a traditional IRA, you must start receiving payments once you turn 70 , even if you are still working.

Write an article based on this "Proofread your letter carefully. Print your letter on official letterhead if appropriate. Sign your letter in the presence of a notary. Attach documents to support information in the letter. Deliver the letter to the appropriate person."
article: Your letter may not be taken seriously if it has numerous spelling and grammatical errors. Read through it carefully, then put it aside for a day and look at it again with fresh eyes. When proofreading, start with the last word and move backward to the first, reading each word separately. Mistakes are easier to see that way. If you're writing a letter of consent on behalf of a business or organization, or in your capacity as a representative of a business or organization, it should be on company letterhead. On the other hand, you shouldn't use business letterhead if you are writing the letter for a personal reason. For example, if you're writing a letter of consent for your child to travel abroad, you wouldn't normally put this on business letterhead even if you own the business. The letter is related to a personal matter, not a business matter. If your signature is witnessed by a notary, it removes doubt that you were indeed the person who signed the letter. No one can argue that your signature was forged or that the letter was signed by someone pretending to be you. A notary does not review your letter or confirm its accuracy. They only verify that you are who you say you are and that your signature is legitimate. For some letters of consent, official documents can provide evidence beyond the letter itself that the information contained in the letter is true and accurate. These may include copies of identification documents or certificates of ownership. For example, if you're allowing someone to use your car, you may include a copy of the registration or title as proof of ownership. If you're writing a letter of consent for your child to travel internationally, you may include a copy of the child's birth certificate as proof that you are the child's parent and that the child was born in the country you've stated. For permission to use intellectual property, you might include a copy of any copyright, patent, or trademark certificates. The person who receives the letter of consent depends on your purpose for writing the letter. In most cases, it will be the person to whom you are granting permission. You can either hand-deliver the letter or mail it to them. If you mail the letter, use a method that allows for tracking so you'll know when the letter was received. For example, if you're writing a letter giving a child permission to travel or conduct a particular activity, you'll typically give the letter to the child. The child may in turn hand it over to the person overseeing them, such as a teacher or other adult. In some cases, you'll need to mail your letter to a third party. For example, if you're writing a letter of consent for another business to use a trademark or corporate name similar to yours, you would send the letter to the government agency that approves corporate names or trademarks.

Write an article based on this "Observe your grapes to determine the type of insect infestation you have. Find a home and garden pesticide specific to your type of insect. Use neem oil to protect your grapes from insects naturally. Apply the pesticide to your grape vines."
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This can vary depending on your geographical location or the climate. Become familiar with the types of pests present in your area to help you identify which ones are causing your issue. You will need to know the specific insects because many insecticides are only effective against certain types of pests. For instance, the grape berry moth is a common pest found in the northeastern United States. The insecticides Intrepid or Sevin are rated as highly effective in controlling them, but Assail is not effective at all. Assail is effective, though, in controlling leafhoppers, which are prominent pests in California and the western United States. You will need to read the labels to be sure you get the right product. For instance, if you've determined that your insect problem is from the grape berry moth, you will need a product that specifically states that it is effective in controlling grape berry moths. Some products, like Home Orchard Spray, aim to control a variety of common grape vine pests including the grape berry moth, Japanese beetle, and rose chafers. A broad-scope product may be a good option if you have multiple types of pests and/or haven't been able to identify the specific type of insect affecting your vines. Pesticides typically range from $10.00 - $20.00 USD and can be purchased as a concentrate that needs to be mixed with water, or as a ready-to-use spray. Read the label thoroughly before you use a pesticide. Wear gloves and goggles while you spray so you don't come into contact with any chemicals. Some pesticides are not safe for consumption so make sure to follow the label directions. Don't let pets or people near grapes you've sprayed until the amount of time passes as recommended. There are many organic pesticides that contain neem oil. The products are available as a dust, wettable powder, or a concentrate to be mixed with water. Check online or at your local home and garden store to find a product that fits your needs. Neem oil should not be applied to table grapes after they have bloomed, so apply it to the vines early in the season for the best results. Follow the instructions on the label. Some products require certain temperatures to be effective, a waiting period before the grapes can be consumed, and some should only be applied during certain growing stagesfor instance, not when the fruit is blossoming. Reapply the pesticide as needed and as directed on the product label. Be sure to wear protective gear like gloves and safety glasses when applying chemicals.