5 Things You Must Know About Social Security Earnings Tests

Plus, 4 tips to make you a better presenter. Created for {EMAIL} | [Web Version]( April 25, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] Introduction [] [Stepping Into Safe Deposit Box Mistakes]( On Tuesday, we covered [what you should keep in your safe deposit box](; today, we tackle what items you should secure elsewhere. Locking away certain valuables and documents in a bank vault could be a mistake for you or your heirs. It wouldn’t be wise to limit your access to important documents or to store property that would be left uninsured. Kiplinger contributor Bob Niedt prepared a [list of nine things you shouldn't store in a safe deposit box](. - Donna LeValley, personal finance writer [Is your money working hard enough?]( It should be! Learn how Betterment's automated investing and savings technology can make your money hustle, while you don't. [LEARN MORE]( ADVERTISEMENT [] TOP STORY [] [5 Things You Must Know About Social Security Earnings Tests]( [5 Things You Must Know About Social Security Earnings Tests]( (Getty Images) If you work and draw Social Security benefits, there are financial consequences. Your monthly check will be reduced temporarily whether you have a part-time gig or take benefits before retirement. The reduction varies depending on age and income. Learn how to calculate your reduction by using these [five important things to know about the Social Security earnings test](. [] FAMILY PLANNING [] [Navigating the Finances of Fertility Choices and Adoption]( [Navigating the Finances of Fertility Choices and Adoption]( (Getty Images) Fertility treatments are costly and not typically covered in full by health insurance. There are a range of options: IUI, IVF surrogacy and adoption. CFP Julia Pham shares her real-life experience and uses her expertise to [educate you about the financial and emotional costs of fertility treatments and adoption](. [Help Maximize Your Retirement Potential]( Making your savings last and keeping your taxes low takes planning and attention. We can help you save time and earn more. Vanguard Personal Advisor is built to provide you an ongoing collaboration with our professional advisors — no matter where you are in your journey. [LEARN MORE]( ADVERTISEMENT [] SKILLS DEVELOPMENT [] [4 Tips to Make Your Presentation a Winner]( [4 Tips to Make Your Presentation a Winner]( (Getty Images) Public speaking is terrifying for many people and giving presentations may bring up the same feelings. Being a presenter might be required in business and your personal life. From sales presentations to persuading your condo board — feeling comfortable in front of a room will help you and your cause. Attorney Dennis Beaver has [four tips for giving a great presentation and helping to calm your nerves](. [How to Develop a Dividend Reinvestment Strategy]( Generate $2,000 a month in dividends with a private REIT, specializing in industrial properties. This fund offers a path to create passive income using dividends and compound interest. With 250k at 10% APY discover how to yield $2000/month to help you reach your financial goals. [READ MORE]( ADVERTISEMENT [] OTHER KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Are you part of the one-third of parents paying an adult child's down payment?]( Lack of affordability is driving millennials and Gen Zer to rely on family money to buy homes. [Credit card bonuses up to $1,600 for new cardholders]( Here are some personal cards that will land you the biggest sign-up bonuses available. 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