Q: I originally retired when I was 62 in 2006. I got a couple of Social Security checks, but then I returned to work full time and stopped my benefits. Now I'm planning to retire for good at age 65 in July 2009. How do the earnings penalty rules affect me? Can I restart my Social Security in July? Or will I have to wait until January 2010 to get my Social Security benefits?

A: (Note to my readers: I'm apologizing right upfront for this column. It's a messy subject and involves a lot of ...

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