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SULLIVAN COUNTY, Tenn. -- A Tennessee mother has been charged with the murder of her 15-month-old daughter, whose remains were found on a family member's property in March.The murder charge is part of a 19-count indictment returned by a Sullivan County grand jury against Megan Boswell in the killing of her daughter, Evelyn Boswell. 341

The ashes of world famous physicist Steven Hawking will be interred in London's Westminster Abbey near the graves of ground-breaking scientists Sir Isaac Newton and Charles Darwin.In a statement released by the Abbey on Tuesday, the Very Reverend Dr John Hall, Dean of Westminster, said it was a "fitting" tribute to the British scientist who passed away last week at the age of 76."We believe it to be vital that science and religion work together to seek to answer the great questions of the mystery of life and of the universe," Hall said in the statement. 567

The 2008 recession proved devastating not only to the economy but American lives after suicide numbers spiked in its wake. And for veterans at a high risk of unemployment and mental illness, experts say greater efforts are needed to support the population.A nonprofit in San Diego is using a unique form of therapy to help veterans and their caregivers during this time."All I have to do is relax. Being able to get out of my head and literally not have to do anything for an hour, it's amazing," said Candra Murphy, an Air Force veteran.In a pool heated to match the human temperature, veterans are transported to a state of calm."It's often equated to if you were to go all the way back to being the womb, and that safety and serenity of being in the watery environment," said Elizabeth Berg, executive director of Wave Academy.But like many veterans sent to the aquatic therapy program, Murphy had her reservations."The first session, I was tense pretty much all the way through," remembered Murphy.Murphy served for six years and deployed once to Balad, Iraq. She says the base was a constant target for mortar attacks, and the most difficult part of the deployment was not knowing what was going to happen next.When she reintegrated back into civilian life, everyday tasks like driving, were a challenge."It just depends on the day. More often than not, my symptoms tend to show up as anxiety, hyper-vigilance, general distrust of crowds. I tend to self-isolate a lot," said Murphy.Through counseling, Murphy learned she had Post Traumatic Stress Disorder (PTSD). She began sessions at Wave Academy before COVID-19, but like many services, it was put on hold.Murphy says she's been managing the pandemic well, but it was challenging not having access to the therapies which help with her PTSD."For the first time ever, we have a wait list of people who would like to have our therapy program," said Berg.Wave Academy serves veterans, active duty service members, and caregivers. Through donors and granters, they're able to provide eight sessions at no cost for people with low to moderate-income."It's great for physical therapy as well, the warm water and the light massaging and maybe twist or stretches is absolutely helpful for the physical body. But I think the piece that makes it so effective when we're working with veterans who have post-traumatic stress, you know we're working with that trauma of the mind, is that this particular therapy transcends from body to mind," said Berg.Clinical psychologist Mark Jesinoski works with combat veterans, many who were already dealing with heightened physical and emotional pain before the pandemic."I'm hearing from a lot of veterans that they're feeling more isolated, they're feeling less supported. Exactly what they need they're not getting right now," said Dr. Jesinoski. He says he's alarmed by what he sees in his practice, for both civilians and veterans. "When I look back at my veteran community that I get to work with every day and feel their pulse, what I notice is every single thing they experience as normal people is completely and totally magnified by what's happening in our society today," said Dr. Jesinoski. A report from the Meadows Mental Health Policy Institute indicated that for every 5 percent increase in the national unemployment rate, as many as 550 veterans a year could be lost to suicide, and 20,000 more could suffer from substance abuse disorders.But instead of focusing on predictions, Dr. Jesinoski says society should seek proactive solutions."I don't think it's a matter of putting more money into it, I think it's about being much smarter and much wiser in how we allocate that money in being a much more interconnected system of services," said Dr. Jesinoski. Between the government and community nonprofits like Wave Academy."What I would say to a veteran if they are struggling is don't do that pride thing, don't do that isolation thing, don't do the 'I ain't got time to bleed thing'. Be willing to take a breath and to overcome that resistance to asking for help," said Jesinoski.After being inspired by his journey of working and healing with veterans, Dr. Jesinosky started a podcast to help support the population.If you or someone you know needs help, you can contact the National Suicide Prevention Lifeline anytime at 1-800–273-8255. 4353

Support is growing for early voting, but there's still a lot of distrust for voting by mail.Just over 3 in 10 people say they're very confident their vote will be counted accurately if they vote by mail. Nearly 7 in 10 say the same thing about voting in person on Election Day. That's according to a new poll from the University of Maryland and The Washington Post.There's a big racial disparity in perceptions about election integrity. About 71% of Black Americans in the poll say it’s easier for white Americans to vote, while only 34% of white Americans believe that's the case.“There's a historic trend of distrust in government amongst racial and ethnic minorities,” said Jonathan Collins, education and political science assistant professor at Brown University. “And instances like this during the need to transition to mail-in voting. This is where that distrust really kind of rears its head.Collins studies ethnic minority political behavior. He says campaigns from state attorneys would be helpful to reassure people their mail-in ballots will be counted properly.The U.S. Postal Service is trying to educate people on its role in the mail-in voting process with TV ads. It says the nonpartisan campaign neither encourages nor discourages mail-in voting. Collins expects a lot of African Americans are still going to prefer in-person voting.“There is this sense of pride that you get from showing up to your precinct, to your polling station on Election Day and in-person casing your vote. There's a pride of wearing the 'I voted' sticker around for your friends and our family and your coworkers to see. How do we replicate that feeling of pride?”About 6 in 10 registered voters nationwide say they want to cast their ballot before Election Day. Compare that to 2016, when about 4 in 10 people cast ballots early.For mail-in voters worried about their vote not counting, many states allow residents to track their ballot. NBC News reports that all states allow this, except for the following: Connecticut, Hawaii, Illinois, Indiana, Maine, Mississippi, Missouri, New Mexico, and New York.Also, many states allow mail-in voters to submit their ballots at designation drop-off boxes, if they don't want to trust the USPS.Click here for tips from the USPS on voting by mail. 2290

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