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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

'The Big Bang Theory' will go out with a bang in 2019.Warner Bros. Television, which produces the series, and CBS have announced that the comedy's upcoming Season 12 will be its last.The show will conclude as the longest-running multi-camera sitcom in TV history, the studio said.In a joint statement, Warner Bros. Television, CBS and Chuck Lorre Productions said: "We are forever grateful to our fans for their support of 'The Big Bang Theory' during the past twelve seasons. We, along with the cast, writers and crew, are extremely appreciative of the show's success and aim to deliver a final season, and series finale, that will bring 'The Big Bang Theory' to an epic creative close.""The Big Bang Theory" debuted in 2007 and has since notched 52 Emmy nominations and 10 wins, including four individual honors for Jim Parsons in the lead actor in a comedy category and one for Mayim Bialik for best supporting actress in a comedy series.The show, which began as a story about a group of sci-fi-loving intellectuals who form a pseudo-family, saw some dips in its ratings last year but largely remained a stalwart for CBS.The decision to bring the show to an end likely came despite efforts from the network to secure another season.Earlier this month, CBS Entertainment president Kelly Kahl said the network did not believe Season 12 would be it's last, saying they were "in preliminary discussions to renew the show."The series stars Parsons, Johnny Galecki, Simon Helberg, Kunal Nayyar, and Kaley Cuoco, as well as Bialik and Melissa Rauch, who joined the fold in later seasons.At its conclusion, the show will have aired 279 episodes.The final season debuts September 24. 1685

Students have powered on as best they can during the pandemic. Handling remote learning and adjusted teaching methods. Now, some schools are partnering with local industry leaders to help make some classes more hands-on, even while taking classes from home."We have several auto-shop classes. Auto shop is completely hands-on, right? Kids need to be in the grease, they need to be on the tools. And so, it's been very difficult. So we've actually had some teachers that actually put together tool kits and checked them out to students where they can tinker with things at home," said Dr. Jamon Peariso, the Director of College and Career Readiness at Visalia Unified School District.Dr. Peariso says continuing career technical education, also known as CTE, at school has been difficult during remote learning. Danny Corwin, with Harbor Freight Tools, says they're here to help with their Tools for Schools program."We wanted to come up with creative ideas to help both the teachers and the students and the parents trying to support their kids. Fortunately, we have a group of incredibly inventive and genius teachers and we wanted to provide them with the tools and other supports to allow them to do what they do best," said Corwin.Bob Kilmer, an Educational Consultant for Harbor Freight Tools, said in an auto shop tool kit kids would receive "everything from code readers to socket sets to hand wrenches to bolt readers. So, they can continue to do a variety of hands-on projects related to a car and things you could do with a car."After teaching skilled trades classes at the high school level for 35 years, Bob Kilmer is now an Educational Consultant for Harbor Freight Tools. Harbor Freight's foundation has handed out more than 3,600 tool kits to teachers all across the country."The great part about the project was that those 53 teachers in those 12 states got a choice of what they could put in the kit for their particular discipline and the automotive kit is different than the welding kit, which is different than the construction and architecture kit, which is different than the robotics kit or the mega-tronics kit," said Kilmer.For school districts like Visalia Unified, the kits couldn't have come at a better time."There's a lot of companies like that that are coming out with more interactive-type educational tools that do a pretty good job considering the kids are locked in their room or house doing the course. That’s something I’m excited about and we’re utilizing that as much as possible in their pathways," said Dr. Peariso.For companies like Harbor Freight Tools, these tools are crucial for engaging students in an industry that needs them. Corwin says one in every three skilled trade workers across the country will be retiring within the next ten years. And they don't want the COVID-19 pandemic to slow down efforts to build up a new workforce for the industry."We've got to address the pipeline and we've got to ensure young people are exposed to the trades in high school and have a pathway to continue the work that they love, that they’re good at. And be able to contribute to our economy in the future," said Corwin.Corwin says many skilled trade jobs have been essential during the pandemic and it's exciting to still see students engaging in hands-on work even if they're doing it from home. 3344

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

Subtropical Storm Alberto is disrupting plans for Memorial Day barbecues and beach outings in Alabama, Florida and Mississippi, as the storm continues to churn north through the Gulf of Mexico.Alberto slowed overnight. But the heaviest rain bands and strongest winds began coming ashore around 10 a.m. Monday in Panama City Beach. That should continue into the afternoon as the center of the storm gets closer to land, bringing with it the risk of flooding, storm surges and tornadoes.A Tropical Storm Warning is in effect for the northern Gulf Coast from the Suwannee River to the Mississippi-Alabama border.The three states likely to bear the brunt of the storm have begun preparing states of emergency. 713

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