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TAMPA, Fla. (KGTV) — Nearly 90 friends in the Tampa, Fla., area are betting big on their Mega Millions chances Tuesday.The group pooled together their money to purchase 11,000 tickets from a Ybor City neighborhood market, according to The Tampa Bay Times.And it's not the first time the group has gone in together for the prize either.The group has already reportedly spent ,000 on Mega Millions tickets, and rolled over winnings of ,224, according to the paper.RELATED: 486

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

Survivors of last month's deadly school shooting in Parkland, Florida, are preparing to take their fight for stricter gun control laws to Washington.This week's March for Our Lives is the culmination of a monthlong effort to honor the 17 students and faculty members killed at Marjory Stoneman Douglas High School, and rally Americans across the United States to say enough to gun violence.With momentum from the National School Walkout still going strong, students are demanding that their voices be heard. 515

TAMPA, Fla. — Police say that street racing led to the death of a mother struck by a vehicle while pushing her child in a stroller in Tampa, Florida. Three people have been arrested.According to Tampa Police, two cars were street racing down Bayshore Boulevard on Wednesday afternoon when one of the vehicles struck the mother and child near W. Knights Avenue in Tampa.Tampa police say the mother, 24-year-old Jessica Reisinger, and the 2-year-old child were sent to the hospital with serious injuries. Reisinger died at the hospital and the 2-year-old is currently in serious condition.  616

'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

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