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That feeling of watching a loved one open a handpicked gift won’t exist for many this holiday season. And between the shipping delays and the call to stay at home this holiday season, the ways people can gift -- especially last minute -- are limited.AAA predicts that 34 million fewer Americans are travelling this holiday season compared to last year.“People are realizing or have realized over the last month that they had to change how they approach the holiday season,” Darrin Duber-Smith, a consumer behavior expert and professor at Metropolitan State University of Denver, said.Part of that is thanks to e-commerce. The IBM U.S. retail index shoes the pandemic has accelerated the move toward online shopping by five years.The National Retail Federation predicts that 60 percent of holiday shopping with be done online this year, up from 56 percent in 2019.“Our buying patterns have shifted almost entirely online over the last 9 months,” Duber-Smith said. “So many more goods and services are now available online. So many more than even a year ago, so I think consumers have a lot more choices that they can send.”However, the flower bouquets and gift cards can seem impersonal.“I really think all bets are off during the pandemic, but there’s going to be lasting effects in consumer attitude and behavior going forward,” he said. “Getting a gift basket that may or may not have a holiday greeting on it is becoming the norm.”“It’s an hour of work to send someone a gift,” Edward Lando, co-founder of Goody Technologies, said. “If you think about it, you need someone’s address. You need to pick out a gift. You need to make sure if you can add a note. You need to make sure it can get there on time, all that stuff.”Lando played a role in creating a solution to the problem by creating Goody, a gifting app that lets you send someone a gift in seconds. All you need is a phone number -- no address.“It’s not a normal form of buying something online, and it's not only e-commerce. It’s like a messaging experience,” Lando said.The app gives the gift recipient the whole experience of opening a gift virtually -- and the ability to swap out a gift for one of similar value if the recipient doesn’t like it. It also speaks to the need for the gratification the gift giver gets.“There's a huge psychological component to gift giving,” Duber-Smith said.“When you send a gift to someone and they open it, you get a little notification that says, ‘Melissa opened your gift,'” Lando explained. “And then you get another one that says she accepted your gift and added a note.”Gifting trends are also shifting to more experiences. “Those are the things that are more personal than gift cards because you understand what the consumer likes,” Duber-Smith said.And it’s something you can give this holiday season that doesn’t require shipping. “2021 could be the year for experiences as sort of everyone gets out,” he said.As you shop for your last minute gifts this week, consider how you’re shopping. “I think what it did is it exposed how important e-commerce is to everyone,” Duber-Smith said. 3101

STUART, Fla. - A Martin County woman is turning 90 years old this week and got a huge surprise to help her celebrate the milestone.She has some of the best stories you'll hear, and her impact on the community makes her a treasured part of Martin County's history.Evelyn Deggeller thought she was going to a formal event at a SkyBlue Jet Aviation hangar at Witham Field Thursday, but her friend, Suzanne Deuser, had a big surprise planned.Deggeller, who once owned a plane and has a pilot's license, was treated to an hour-long flight from SkyBlue Jet Aviation to Jupiter and back.When she landed, a brass band was waiting for her, along with friends, family and city and county leaders."This is all for you," Deuser told Deggeller. "I sure did not expect this," Deggeller said.Deggeller has lived a story-book worthy life that has been centered around bringing other people joy.She and her father performed magic as a traveling duo across the country. WPTV Evelyn Deggeller of Stuart used to travel across the U.S. performing magic with her father and owned exotic animals. "I did what they call stage magic. No cards, nothing up close. It was all big pieces that were on stage," Deggeller said.She recalled pulling live rabbits out of hats."The best thing I do now is making money disappear," she laughed.She owned a chimpanzee and an elephant named Dixie, who gave her a lot of laughs. One time, she said Dixie was caught eating the neighbor's flowers. She could grab Dixie by the ear and walk her home.But her local claim to fame came in 1959 when she helped re-start the Martin County fair."The fair had been on before, but the war came, and everything was changed. After the war, they wanted to start up again," Deggeller said.She was just the woman to do it.Deggeller built a career supplying county and state fairs with rides and attractions and food stands.She has also been a part of charitable service organizations in Stuart, including Soroptimist International of Stuart.She holds keys to numerous cities, and Stuart Vice Mayor Eula Clarke presented her Thursday with Stuart's key to the city."I've enjoyed everything that I've been fortunate enough to do," Deggeller said.The celebration was just one more memory to take with her into her next decade."I'm shooting for 100. I don't know if I'll make it anyway, but I'm shooting for 100," Deggeller said.She says she has lived her life by "going with the flow."Of all of her experiences, she said her best years were the ones spent with her husband of more than 50 years.This story was first reported by Meghan McRoberts at WPTV in West Palm Beach, Florida. 2668

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

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

TEMECULA, Calif. (KGTV) - A three-alarm fire injured two people and prompted the evacuation of Pechanga Resort Casino in Temecula Monday. The fire broke out in an elevator shaft in the main resort complex just after 11 a.m., Riverside County Fire Department officials said. Pechanga spokeswoman Ciara Green told City News Service that the flames were confined to an elevator portal "in the original tower," which underwent a major expansion two years ago. One person suffered from burns and another suffered smoke inhalation. The burn victim was taken to Temecula Valley Hospital in stable condition, according to reports from the scene. "Out of an abundance of caution, team members and guests in the hotel tower were evacuated," Green said. "The incident was not near the casino." The fire was contained by 1 p.m. The cause of the flames is unknown. City News Service contributed to this report. 905

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