Learn why waiting to claim may cost you money…or make you money. This class is part of the library's financial education series presented by the Cygnet Institute of Financial Literacy, a Non-profit located right here in Waterford. Your instructor will be Scott Smith. This is NOT a sales pitch dressed up like a seminar! There is no hidden agenda to this program. It is simply to help you learn more about Social Security. You can register or just come.