Home Builder Developer - Interior Renovation and Design

Former Labor senator Mark Arbib says he takes responsibility for "his role" in the Rudd government's failed home insulation scheme, but claims he was unaware of the inherent safety risks involved in the program.

Mr Arbib gave evidence on Monday at the royal commission investigating what advice the then-Labor federal government received about the $2.8 billion scheme and whether the deaths of four installers could have been avoided.

Queenslanders Matthew Fuller, Rueben Barnes, Mitchell Sweeney, and Marcus Wilson from NSW, lost their lives during the rollout of the stimulus scheme in 2009.

Michael Windsor, QC, who is representing insulation companies at the inquiry, asked Mr Arbib whether he was aware of what was in the roof cavity of his own home.

"Well, I haven't been up there ... I couldn't tell you," Mr Arbib replied.

"Did you know, prior to 2009, that wiring ran through roof spaces?" Mr Windsor asked.

"I don't think I did, no," Mr Arbib replied. "I have had no experience in terms of electrical wiring."

"But isn't it just common knowledge?" Mr Windsor said.

"I'm not sure how a roof is configured in terms of wiring," Mr Arbib replied.

Three of the four installers who died were electrocuted.

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'I wasn't aware of safety worries'

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Dear Liz: My wife and I, 63 and 62, plan to continue working till at least 65. We will begin collecting Social Security benefits in September. Our combined income is $58,000, we own our home outright, and we have no debt, no children, $84,000 in a traditional IRA and $90,000 in a stock portfolio.

I just sold a portion of a mutual fund for a $30,000 gain that is in the bank for the time being. How long do we have to reinvest without paying a capital gains tax? Or would it be best to pay the tax now, leave the money in the bank and be done with it?

Answer: Unless you sell another investment for a $30,000 loss to offset the gain, you're going to have to pay taxes on your profit.

"There is no way to do a tax-free reinvestment," said tax professional Eva Rosenberg, an enrolled agent who runs the TaxMama.com site. "And the time to ask questions like that is before you sell the mutual funds."

You still have time to avoid a much bigger mistake: signing up for Social Security now.

Your Social Security checks would be reduced $1 for every $2 you earn over a certain level, which this year is $15,480. That "earnings test" applies until you reach your full retirement age (which is 66, not 65, for both you and your wife). What's more, you would lock in lower benefits for life and give up a chance to boost your Social Security payout in a way that's available only to married couples who wait until full retirement age to start benefits. (More on that in a moment.)

Your savings are too small to generate much income, particularly if you want to minimize the chances of running out of money. You should be looking to maximize your Social Security benefits to help make up for that deficit. Your benefits grow substantially each year you put off applying for them, and most people will live past the break-even point where delaying benefits until full retirement age results in more money than taking them early.

Many people erroneously think they should grab Social Security as early as they can, but the Social Security system isn't going away, and you are likely to regret settling for a smaller check. Remember that your wife probably will outlive you and will have to get by on one check, so you should make sure your benefits are as big as they can be.

One way to do that is for the lower-earning spouse to claim spousal benefits at his or her full retirement age. Once the lower earner's benefit maxes out at age 70, he or she can switch if that benefit is larger.

But spousal benefits can't start until the higher earner files for his or her own benefit. If the higher earner waits until full retirement age to apply, he or she has the option to "file and suspend" a maneuver that lets the spouse claim spousal benefits while leaving the higher earner's benefit untouched so it can continue to grow.

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Avoid these mistakes on Social Security and selling investments

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