In earlier research, Mr. Mahaney highlighted another benefit to deferring benefits until later: If you expect much of your retirement income to come from tax-deferred savings, you might be better off using those assets first and delaying all, or a large chunk, of your Social Security.

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"At the end of last season, I spoke to a few people and always felt I would come back, but until everything is confirmed you don't want to say too much as there is still an element of doubt, " he said.

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Until then, you will need to discuss your options with your spouse and come up with the best scenario for yourself and your family.

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"Alcohol makes you lose heat much more quickly and makes it harder to regain heat afterwards, so don't drink until you come out of the water and rewarm, " says Traill.

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But what you don't want to see is Congress giving the enemy the message that if you just stay in your cave until a date certain, the Americans will be gone and you can come out and do whatever you want to do to destroy this country and the progress that has been made there in the last several years.

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"Until you are in a position where you can actually physically buy the club, my client doesn't want to come in the front line, " he said.

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