program. Many Americans have little knowledge about how it operates and how its

benefits compare with the returns from other retirement investments. Even though

millions of Americans are deluded to thinking that Social Security maintains a savings

account in each of their names with money in it, in reality, there is no direct connection

between the amount of taxes paid and the benefits an individual eventually receives in

retirement. In addition, the rate of return on Social Security retirement taxes is extremely

low. For example, the average rate of return for a household of two hard-working 30-

year-old earners with children is a lowly 1.2 percent. Most people do not realize that

since the trust funds consist of trillions of dollars of IOUs, Social Security will be unable

to pay full benefits to anyone born after 1974 unless the system is reformed. This where I

determine whether the provisions of a re-vamped Social Security bill is indeed

The YSSS(Your Social Security Statement) provides official information on the

benefits that people are entitled to receive du

been working hard for 30 plus years and on my 55th birthday I decided to retire. Now I

presidential commission to come up with a plan to create individually controlled,

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