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The body of a New Jersey man, whose body was recovered 1,500 feet underwater in California, is considered to be the deepest recovery ever performed in the United States and Canada, officials say.According to the South Lake Tahoe Police Department, 29-year-old Ryan Normoyle rented a boat on Lake Tahoe on Aug. 10.That evening, Ryan's rental boat washed ashore in Glenbrook, Nevada, but Normoyle wasn't on it.On the boat, the department said they found Normoyle's phone, which recorded Ryan jumping off the boat into the lake. The video also showed the boat drifting away, which the department said was because Ryan had left in gear.The New York Times reported that the camera captured Normoyle trying to swim to the boat for about two minutes before disappearing from the frame.With the help of GPS data captured from Ryan's phone while recorded, the South Lake Tahoe Fire Department, Douglas County Sheriff's Office, the Washoe County Marine Unit, and the University of California Davis Research Team helped in the search. On Sept. 23, the nonprofit Bruce's Legacy, which specializes in underwater recovery, was called in by Ryan's family to aid in the investigation.In a blog post, Bruce's Legacy founder Keith Cormican detailed how winds chased them off the lake around noon, and on the second day, they ran into electrical issues. Not wanting to give up, Cormican used sonar on the ROV after losing power to it.After a few hours, a body image, which was identified as Ryan's, showed up on the sonar at 1,551 feet. Unfortunately, they lost hold of him and weren't able to bring him to the surface, but on Sept. 27, they found Ryan at 1,565 feet, and after two hours, the crew pulled up Normoyle's body, by hand, to the surface.According to the police department, Cormican said this was the deepest recorded recovery in the United States and Canada. Previously, the deepest recovery in Lake Tahoe was in 2018 at a depth of 1,062 feet. 1944

The app Nextdoor announced its added new features for families looking to celebrate Halloween safely amid the pandemic.According to the social networking company, their Treat Map, which has been up and running since Oct. 1, typically shows homes that pass out candy in your neighborhood.This year, the company added new features, including homes displaying Halloween decorations, so you can drive by to look at the spooky decor.The maps will also show which homes have pumpkin projects or participate in a costume wave parade, which is where you wave at your neighbors safely from your vehicles while wearing your favorite costumes. 640

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

Tax procrastinators, your time is running out.As the coronavirus pandemic took hold this spring, the federal government postponed the traditional April 15 filing deadline until July 15.The move provided some economic and logistic relief for taxpayers dealing with the disruptions and uncertainty brought on by lockdowns, school closures and shuttered businesses. But now that new deadline is a day away.Taxpayers must file or seek an extension by the new deadline or face a penalty.The IRS is expecting about 150 million returns from individuals and as of last count, it had received almost 142 million.IRS suggests filing electronically to avoid common errorsOfficials say filing electronically and choosing direct deposit remains the fastest and safest way to file an accurate income tax return and receive a refund.Filing electronically reduces tax return errors as the tax software does the calculations, flags common errors and prompts taxpayers for missing information.An inaccurate tax return can delay a refund. In most cases, tax software helps to reduce or eliminate common errors.How to pay taxesTaxpayers can pay online, by phone or with their mobile device in the IRS2Go app. When paying federal taxes electronically taxpayers should remember:Electronic payment options are the optimal way to make a tax payment.They can pay when they file electronically using tax software online. If using a tax preparer, taxpayers should ask the preparer to make the tax payment through an electronic funds withdrawal from a bank account.IRS Direct Pay allows taxpayers to pay online directly from a checking or savings account for free.Taxpayers can choose to pay with a credit card, debit card or digital wallet option through a payment processor. The processor may charge a fee. No fees go to the IRS.The IRS2Go app provides the mobile-friendly payment options, including Direct Pay and payment processor payments on mobile devices.Taxpayers may also enroll in the Electronic Federal Tax Payment System (EFTPS) and have a choice of paying online or by phone by using the EFTPS Voice Response System.File tax return by July 15 even if you can’t pay in fullThe IRS says everyone should file their 2019 tax return by the July 15 tax filing deadline regardless of whether or not they can pay in full.Taxpayers who owe and can't pay all taxes due have options including:Online Payment Agreement — Most individual taxpayers and many business taxpayers may qualify to use Online Payment Agreement to set up a payment plan. Taxpayers can setup a plan on IRS.gov/paymentplan in a matter of minutes. Setup fees may apply for some types of plans.Delaying Collection — If the IRS determines a taxpayer is unable to pay, it may delay collection until the taxpayer's financial condition improves. In light of COVID-19, IRS postponed many compliance efforts until July 15 or later under the People First Initiative.Offer in Compromise (OIC) — Taxpayers who qualify enter into an agreement with the IRS that settles their tax liability for less than the full amount owed.Need an extension? File for one by July 15Those who need more time to prepare their 2019 federal tax return can apply for an extension of time to file. An extension of time to file does not grant an extension of time to pay taxes owed. File an extension request, estimate and pay any owed taxes by the July 15 deadline to avoid possible penalties.Individual tax filers, regardless of income, can use Free File to electronically request an automatic tax-filing extension. Filing this form gives the taxpayer until October 15 to file a return. To get the extension, the taxpayer must estimate their tax liability on this form and pay any amount dueMost refunds issued in less than 21 daysThe IRS is processing electronic and paper tax returns and issuing refunds. They’re normally issued in less than 21 days. Taxpayers who mailed a tax return will experience a longer wait time. There is no need to mail a second tax return or call the IRS.Where's My Refund? is the most convenient way to check the status of a refund. It has a tracker that displays progress through three phases: (1) Return Received; (2) Refund Approved; and (3) Refund Sent. 4207

Stormy Daniels was "truthful about having unprotected vaginal intercourse with Donald Trump in July 2006," according to a polygraph test report from 2011.The report states that the "probability of deception was measured to be less than 1%." It was given to CNN by Michael Avenatti, Daniels' attorney and contains three pertinent questions: "Around July 2006, did you have vaginal intercourse with Donald Trump?," "Around July 2006, did you have unprotected sex with Donald Trump?" and "Did Trump say you would get on 'The Apprentice?'"Daniels replied yes to all three questions. The first two were analyzed to be truthful, the third question was "inconclusive" according to the polygraph examiner Ronald Slay.Polygraphs are generally inadmissible in court.The polygraph was performed at the request of Bauer Publishing, which owns Life&Style and InTouch magazines, according to the reporter who interviewed Daniels in 2011. Reporter Jordi Lippe-McGraw initially interviewed Daniels for Life & Style magazine. The interview was not published at the time, but Bauer Publishing released it in InTouch magazine earlier this year.Lippe-McGraw told CNN on Tuesday that Daniels passed the test in a broader sense. "Based off of the interview, we had her take the polygraph test to confirm the details of what she was telling us. There wasn't much in the way of physical evidence, per se," Lippe-McGraw said, adding that the big-picture question they wanted to confirm was that the affair happened, and that Daniels passed. Lippe-McGraw said that Daniels told her she had unprotected sex with Trump, because Daniels is allergic to latex and didn't have condoms at the time.Earlier Tuesday, Avenatti tweeted out a photograph of Daniels being administered the test.The Wall Street Journal first released the details of the polygraph questions and answers. 1871

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