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That often-blurred line between the office and home is now a little clearer for one creative teacher.Move over Chip and Joanna Gaines.With advance notice he would not be returning to the classroom because of the coronavirus, Cory Streets got to work on a special summer project.Streets just completed an amazing transformation, turning a storage shed in his backyard into a space dedicated to scholastic achievement - like something straight out of an episode of 'Fixer Upper' on HGTV, on a much smaller budget.¡°Got a can of mis-tinted paint and a carpet remnant. I¡¯m hoping it¡¯ll be a fun way to break up some of the monotony," said Streets.With a young daughter and a second child arriving in October, Streets found himself with limited spots to set up shop inside his home.¡°It¡¯ll give me a place to come and work quietly," said Streets.Instead of rakes and shovels, Streets filled the shed with all the tools he needs to help his students grow despite being miles apart.¡°I wanted to make this a more fun and enjoyable experience for myself, but also for the students," said Streets.The consistency of connecting in this newly-created classroom, which has been dubbed the "Mr. Streets Center for Remote Sheducation," is not only expected to help Streets stay focused; he says it will also do the same for his students.¡°It¡¯ll feel more comforting, it¡¯ll feel predictable, it¡¯ll feel like a routine," said Streets.Streets said there's a lesson his students can learn from the new workspace and that is you have to make the best of a challenging moment.¡°We¡¯re gonna have a good time, we¡¯re gonna learn some stuff. You can take a difficult situation and make it fun," said Streets.As for what happens to the transformed shed when Streets and his fellow teachers return to the school building?"I can take down some educational posters and put some Cleveland Browns and Indians things and there we go, easy man cave space," said Streets.This story was first reported by Mike Brookbank at WEWS. 2004

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 ¡ª 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 ¡ª 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

State Superintendent Tony Evers defeated incumbent Gov. Scott Walker and will become the next governor of Wisconsin. Evers, a Democrat, won with 50 percent of the vote over the Republican governor Walker. The two were locked in a tight race, with the latest Marquette University Law poll showing the race at a dead heat. Walker has served as Wisconsin¡¯s governor since 2011. Walker and Evers traded barbs over a number of topics, including healthcare. The two disagreed on whether Republicans would keep pre-existing conditions in the healthcare policy while dismantling other portions of the Affordable Care Act. A key element of Walker¡¯s campaign was the issue of taxes, claiming if elected Evers would certainly raise them. In particular, he said Evers would raise the gas tax in the state of Wisconsin. Evers denied having such plans days before Election Day. The two also focused on education in Wisconsin. Evers, the state superintendent, said in a rally the night before the election he planned for a .5 billion increase in K-12 education. Walker touted his most recent school budget, which he claims gave 0 more per student.  1181

The banana phone is back.A startup that licenses the Nokia phone brand has unveiled a new version of the 8110, a curved mobile phone that was first released in 1996 and featured in "The Matrix."The phone, which is offered in banana yellow and black, will sell for €79 (). It comes loaded with a new version of the game Snake, Finnish startup HMD said in a statement."This is a return to the glory years of Nokia," said Ian Fogg, senior analyst at IHS Markit. "But it also includes all the new technology."The 8110 comes with 4G, and a handful of apps including Google Maps, Facebook and Twitter. But it doesn't have a flashy operating system and users won't be able to download other popular apps.Fogg said that basic -- or "feature" -- phones are appealing because they are reliable, and can run for a long time on a single charge. The 8110 goes 25 days in standby mode, for example.Nokia used to be the world's largest maker of mobile phones, but it struggled to adapt to the era of smartphones and compete with the likes of Apple and Samsung.Microsoft purchased the company's handset business in 2013, but later unwound the deal. Nokia now focuses on making technology for telecommunications networks.HMD, which has licensed the Nokia brand since 2016, sold over 70 million handsets in 2017, according to IHS. That puts its sales, on an annualized basis, in the same league as Sony and Lenovo."HMD's strategy clearly aims to return Nokia to be a mobile market leader, even if it's too early for HMD to realistically target displacing Samsung or Apple," Fogg said.Nokia marketed the original 8110 as "the first of its kind in terms of its ergonomics." Its battery lasted up to six days, and it was able to store 16 ring tones and up to 324 names and numbers."It feels good in the hand and fits into any pocket. The revolutionary curved design fits the natural shape of your face," the company said in a press release at the time.  1948

Supporters of President Donald Trump are planning on holding rallies this weekend in Washington, D.C.In what¡¯s being called the Million MAGA March, supporters of the president are expected to show support of Trump¡¯s claims of voter fraud. No credible evidence of voter fraud has been exposed. Several lawsuits filed by the Trump campaign claiming irregularities in the 2020 election have been dismissed.A handful of groups are posting on social media about gathering in locations around D.C. and the country Saturday afternoon. Groups include March for Trump, Stop the Steal, and Women for America First, according to local media.Some are suggesting they will march from the Supreme Court to the White House on Saturday, and there is a permit application for a gathering in Freedom Plaza.When asked Thursday about the rallies, White House Press Secretary Kayleigh McEnany said she expected a large turnout."I think it's going to be quite large, um, from what I'm hearing, don't have an estimate for you," McEnany said during an interview on Fox News.D.C.¡¯s mayor said the city is preparing for Saturday, same as they did last weekend after the Associated Press and others called the presidential election in favor of Joe Biden. 1235

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