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Social Security retirement benefits do not impose a ?marriage penalty? on people because they are married. Each spouse is entitled to the same amount they would get if single.

To make the switch from a survivor benefit to your own retirement benefit, which will reach its highest amount at age 70, you may either apply online at SSA.GOV or make an appointment with your local office to apply in person.

For a spouse who is not entitled to benefits on his or her own earnings record, this reduction factor is applied to the base spousal benefit, which is 50 percent of the worker's primary insurance amount.

Claiming Benefits From an Ex-Spouse Although the spousal benefit might fly a bit under the radar, a true ?loophole? that is easy to overlook is that even ex-spouses may qualify. That's right, even if you're divorced, you may be able to receive a benefit based on your ex-spouse's work record.

Components of a LOI Opening Paragraph: Your summary statement. ... Statement of Need: The "why" of the project. ( ... Project Activity: The "what" and "how" of the project. ( ... Outcomes (1?2 paragraphs; before or after the Project Activity) ... Credentials (1?2 paragraphs) ... Budget (1?2 paragraphs) ... Closing (1 paragraph) ... Signature.

Typically, letters of intent are prepared by real estate agents or brokers who are assisting with the lease or purchase transaction. However, it is a good idea to hire a real estate attorney in Los Angeles to review it before it is finalized and signed.