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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

Teachers are spending a lot of their own money to make sure their students have everything they need. But two crafty teachers turned to their communities to help offset the cost of the supplies. Jennifer Boyle-Taurman had several boxes of school supplies to unpack for this school year. But they weren't supplied by her school nor purchased from her own pocket. The supplies were purchased by members of her community through her Amazon wish list. “It was very overwhelming,” Boyle-Taurman says. “In the best way.”Boyle-Tourman posted her wish list on social media, and not only did people start buying these items, but they went above and beyond. 675

The bond for accused Waffle House shooter, Travis Reinking, has been revoked following public outcry from the community. Reinking was taken into custody Monday afternoon and charged with four counts of criminal homicide.Waffle House Shooting Suspect In CustodyHis bond was set at million – which outraged many in the community. The District Attorney's Office confirmed Tuesday that his bond had been revoked. Read More: Attorney Explains Why Accused Waffle House Killer Is Allowed BondAdditional charges would also be considered in the case; however, specific details were not known.  The 29-year-old has been accused of killing four people inside a Waffle House early Sunday morning. Taurean C. Sanderlin was an employee of the restaurant who was killed as he stood outside. Also killed outside was 20-year-old Joe R. Perez, of Nashville, who was a patron. The third death at the scene was 21-year-old DeEbony Groves, of Gallatin. She was killed inside the restaurant. Groves was a student at Belmont University. Akilah Dasilva, nicknamed Natrix, was passionate about his music and pursued a career in musical engineering at MTSU. He was wounded inside the restaurants and later died at Vanderbilt University Medical Center. These Are The Victims Of The Antioch Waffle House Shooting 1350

TEMECULA, Calif. (KGTV) - Chaos erupted in the middle of a youth soccer tournament in Temecula Sunday evening after reports that someone allegedly pulled out a gun during a confrontation with other spectators, witnesses and the CEO of the tournament told 10News.10News has learned that one of the teams is from Chula Vista. The incident happened at the Albion Development Showcase tournament at Galway Downs in Temecula, witnesses told 10News.Players from opposing teams began shoving each other during one of the finals matches, one parent said. A family member then stepped onto the field and punched one of the players."There was a lot of fouls going on and I could see it was heating up," spectator Robert Hernandez said. "So one of the brothers from the Albion team rushed onto the field and just cold-cocked one of the other opposing players and this kid was about three years older."Hernandez said the breach onto the field incited more than a dozen men to join in, creating a brawl. He said, at one point, a man walked away from the scrum and grabbed a camouflage backpack.RELATED: Parent speaks about violent confrontation at Temecula soccer tournament"The entire field was just rushing out to the sidelines, kids were running, crying, parents were pulling their kids, dragging them," spectator Robert Hernandez said. He was on the sidelines waiting for his niece to play in the finals.Word of the melee quickly spread across multiple fields where teams, ages 8 to 15 years old, began sprinting off the fields."Someone's telling him don't do it, don't do it... They're right in front of us and we're like what's going on? And we're like this guy must have a weapon," he said. The same thought echoed through the crowd, inciting screams and sending kids running.The father of the player that was punched to the ground told 10News that the boy is a 10-year-old from Otay Ranch. He says the spectator that ran onto the field and struck his son is from the Los Angeles-based Azteca Soccer Club, not the Chula Vista Albion team.The father said his son sustained a minor head injury as a result of the attack. He described the assailant as being a possible teenager.Referee Alex Hansen was on another field and saw the stampede. "At first, I thought it was actually a bee swarm and so I thought we were going to hit the deck or something, but everyone kept saying, 'Shooter! Shooter! Run!' So we just had to run to the parking lot," Hansen said.He was immediately concerned about his 15-year-old brother who was refereeing near the commotion. He found out later his brother and players were hiding in a neighbor's garage.He said the kids were distraught, crying and asking for their parents. Witness accounts on social media reported that some players were temporarily separated from their parents causing more alarm.One of the players at the tournament, Luis Cruz, from Los Angeles, was on the field about 10 minutes into his championship match when the commotion began. He told 10News he was playing a few fields away but was able to hear the screams and saw people running. That's when he ran for safety."Everyone screamed 'run' and our coaches told us to just run and jump," he told 10News. "We all did and ended up on the other side of the fence huddled in the bushes with our coach and the team we were playing against.Hernandez said he never saw a weapon, but the man was detained by Temecula Sheriff's Deputies for a short time.The CEO of the Albion Development Showcase, Noah Gins, said the person that breached the field was a brother of the opposing team from Los Angeles who hit the Albion player.Gins said deputies never found a weapon and in his 40 years of experience he's never seen anything like this. He said he spoke with California State Soccer Association South and wants stronger consequences for anyone who goes onto the field to discourage this kind of behavior.Hernandez, a former coach, hopes parents reel in their enthusiasm at games, "Some of these parents get really emotional, they need to know it's just a game. They're out there to support their kids, their family member."Temecula Police Department officials are still investigating the incident. Calls to the agency have not been returned at this time. 4253

TAYLOR, Mich. (AP) — When it comes to the middle finger, police might need a thicker skin.A federal appeals court says a Michigan woman's constitutional rights were violated when she was handed a speeding ticket after giving the finger to a suburban Detroit officer in 2017. The decision means a lawsuit by Debra Cruise-Gulyas can proceed.In a 3-0 decision Wednesday, the court said Taylor Officer Matthew Minard "should have known better," even if the driver was rude.Minard stopped Cruise-Gulyas and wrote her a ticket for a lesser violation. But when that stop was over, Cruise-Gulyas raised her middle finger.Minard pulled her over again and changed the ticket to a more serious speeding offense.Cruise-Gulyas sued, saying her free-speech rights and her rights against unreasonable seizure were violated. 816