Today’s first speaker was Kay Cruson our accountant and tax preparer in Lakewood, Colorado. Today Kay took her time to go over the history of our Social Security System and explain a little about what the numbers on your card actually indicate. The basis of our current Social Security system was put in place on August 14, 1935. The Social Security Act was drafted by the President’s Committee on Economic Security, during President Franklin D. Roosevelt’s first term and passed by Congress as part of the New Deal. In the signing of this Act, President Roosevelt became the first president to advocate federal assistance for the elderly, the original Act provided benefits to retirees and the unemployed, and a lump-sum benefit at death. The Act has been amended and added to many times over the intervening years with the inclusion of Medicare and Medicaid by President Lyndon B. Johnson in 1965 and his “Great Society”.
This brought us to what the numbers on your Social Security indicate. The first three digits are assigned by the geographical region in which you applied for your card. Before 1973 Social Security cards were issued in local government offices around the country and the area number represented the code of that office. After 1973 the Social Security Administration began assigning Social Security numbers centrally from Baltimore and the area number has been based on the ZIP code in the mailing address provided on the application. These area numbers were assigned beginning in the northeast and moving south and westward, so that people on the east coast will have the lowest numbers and those on the west coast have had the highest numbers. Although as these area numbers assigned to a specific locality are exhausted, new area numbers from the pool are assigned and this creates noncontiguous groups of numbers in some of the states.
The middle two digits are your group number, these group numbers range from 01 to 99. They do not assign these numbers in consecutive order and for administrative reasons, group numbers are issued in the following order:
1. odd numbers from 01 through 09
2. even numbers from 10 through 98
3. even numbers from 02 through 08
4. odd numbers from 11 through 99
For example, group number 98 is issued before 11 in each area code. The last four digits are your serial numbers. They are represented by a straight numerical sequence of digits from 0001 to 9999 within each group.
The last item that Kay wanted to discuss with us was destroying your old W-2’s – please do not destroy these documents until you have confirmed your Social Security earnings with the Social Security Administration. If your earnings are not recorded with the Social Security Administration properly you will have a battle for the correct payments at retirement age, and it is almost impossible to prove your worked hours and pay without those records.
So if you are looking for someone to help you out with your books that understands the system from the inside out give Kay Cruson a call!
Kay Cruson * Accounting & Taxes * 303.937.3468 * k.cruson@att.net

Our second speaker today was Debbie Hansen of La Dolce Vita Coffee House in Arvada, Colorado. First, Debbie reminded us that a light roast coffee has more caffeine than a dark roast and that cold brewed coffee has more caffeine than both roasted beans. Then Debbie want to let us know about the health benefits of drinking coffee.
• A 6 oz. cup of black coffee only has 46 calories – so great for your diet!
• 4-6 cups of coffee reduces your risk of Type 2 Diabetes by 28% / 6-7 cups up that to 35%
This is because coffee has magnesium and chromium that helps the body         with the hormone insulin production.
• 3-5 cups reduces the risk of Alzheimer’s, Dementia and Parkinson’s by 65%
• 1-3 cups reduces abnormal heart rhythm by 20%
• 2 + cups reduces the risk of stroke in women by 20%
• 2-3 cups can help with depression by 15%
• 4+ cups can bring that to 20%
• 4+ cups a day will make you 53% less likely to commit suicide
So as you can see there are a lot of benefits to having a coffee habit and if you are looking for a new coffee shop to meet a client, visit with a friend or just have some quiet time stop by La Dolce Vita Coffee House in Old Town Arvada!
Debbie Hansen * La Dolce Vita Coffee House * 5756 Olde Wadsworth, Arvada CO 80002 * 303.456.8919