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TELLER COUNTY, Colo. – Investigators are working around the clock as they continue to search the home of Kelsey Berreth’s fiancé in Florissant, Colorado for a second straight day, the Woodland Park Police Department Chief said in a press release Saturday.The multi-jurisdictional task force is searching the 35-acre property of Patrick Frazee, who has not been ruled out as a suspect in Berreth’s disappearance.Details about what the search would cover on Saturday were not released, but Chief Miles J. De Young said the case “is the number one priority for the Woodland Park Police Department.”De Young said the couple’s 1-year-old daughter remains with her father, who is continuing to cooperate with law enforcement during the investigation.He also said his department continues to be in contact with the Teller County Department of Human Services in regard to the child’s custody, adding that department “does not have evidence that [the child’s] safety is at risk while in Patrick Frazee’s custody.” 1022

Ten eastern states are under winter storm warnings, and an additional five states are under winter weather advisories or storm watches ahead of a nor’easter headed for the region this week. The worst of the storm is expected to hit the region on Wednesday.The winter storm warnings extend in a line from North Carolina to Massachusetts. A number of major cities, including New York, Philadelphia, Boston and Pittsburgh, are in the winter storm warnings that were issued by the National Weather Service. The National Weather Service says that the heaviest snow is expected in South-Central Pennsylvania, where up to 2 feet is expected to accumulate. The National Weather Service says that dangerous travel conditions and isolated power outages are likely.The National Weather Service says that for areas along the I-95 corridor, there is concern of significant freezing rain, which would lead to widespread power outages, tree damage. Up to a quarter inch of ice accretion is possible.The National Weather Service says that the nor’easter’s rain/snow line is still being determined, and a small change to the track could make a major difference for the amount of snow for major Northeast cities. 1202

The Barron County Sheriff is asking the public for help in the search for 13-year-old Jayme Closs, who went missing after her parents were shot to death in their Barron, Wisconsin home. The sheriff said they need 100 people to help search the intersection of State Highway 8 and 16th Street at 2 p.m. in Barron. Barron County officials will be there to greet volunteers. Closs has been ruled out as a suspect in the double homicide and the sheriff says they believe she is in danger. Volunteers need photo identification and need to be able to walk over uneven terrain. Please wear proper footwear and bring your own water. Once 100 people are available, the sheriff said they will turn everyone else away.  745

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

STOCKHOLM — The 2020 Nobel Prize in Literature has been awarded to the American poet Louise Glück "for her unmistakable poetic voice that with austere beauty makes individual existence universal."Glück was formerly the Poet Laureate of the U.S. from 2003 to 2004. According to The New York Times, Glück is the first woman to win the award since 1996.The prize was awarded Thursday after several years of controversy and scandal for the world's pre-eminent literary accolade.In 2018, the award was postponed after sex abuse allegations rocked the Swedish Academy, the secretive body that chooses the winners.Two laureates were named last year, with the 2018 prize going to Poland's Olga Tokarczuk and the 2019 award to Austria's Peter Handke.Handke's prize caused a storm of protest because he has been called an apologist for Serbian war crimes.Other writers who were favored for the award were Kenya's Ngugi Wa Thiong' o, Canadian poet Anne Carson, Japanese novelist Haruki Murakami, Russian novelist Lyudmila Ulitskaya and Guadeloupe-born writer Maryse Conde.According to NPR, the 2020 Nobel Prize has a cash prize of about .2 million. The awards ceremony this December will be celebrated virtually because of the COVID-19 pandemic. 1244

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