Scabies is spread by prolonged skin-to-skin contact with a person who has scabies. Scabies sometimes also can be spread by contact with items such as clothing, bedding, or towels that have been used by a person with scabies, but such spread is very uncommon unless the infested person has crusted scabies.
Your retirement benefit is based on your highest 35 years of earnings and your age when you start receiving benefits. If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the amount of retirement benefits you are due.
[See The 10 Best Places to Retire in 2012 .]. It's just not possible for people to work for 30 or 40 years and support themselves on their assets for another 20 or 30 years, says Alicia Munnell, director of the Center for Retirement Research at Boston College.