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Texas Southern University in Houston evacuated its campus on Wednesday due to a bomb threat received by the Houston Police Department directed at the university. The university announced on its social media channels that all classes are canceled for the rest of the day, and that all students, faculty and employees should evacuate campus. Houston Police said it received the threat via its emergency call center around 1:40 p.m. CT on Wednesday. As of late Wednesday afternoon, there have not been any confirmed bombs found on campus. Texas Southern is a public historically black university with an enrollment of nearly 10,000. 667

STORY - One of the two girls who was molested by a La Jolla realtor faced the child predator at his sentencing Friday. Donald Hickey received a 25-years-to-life term as part of his plea deal in five felonies. In July, Hickey admitted to lewd and lascivious acts with a child and possession of child pornography. Prosecutors said the molestations occurred between 2009 and 2012. Hickey was caught thanks to a cyber tip submitted to the National Center for Missing and Exploited Children. Hickey apologized to his victims in court in August, saying “I’m sorry for everything that's happened. I take responsibility for it and I hope they do heal from it.'' ``No teenager should be in a situation where they sit down and think about what they're going to say to a pedophile,'' one of the girls said after Hickey pleaded guilty. ``No parent should have to decide whether or not to tell their child that they have been assaulted. I hate that you put my family in that position.'' City News Service contributed to this report. 1027

The Big 12 will permit its teams to play one nonconference football game this year to go along with their nine league contests as plans for the pandemic-altered season continue to fall into place. The Big 12 university presidents signed off on the conference's scheduling model, which gives schools the option to play one nonconference game at home. The 10-team Big 12 already plays a nine-game conference schedule. Unlike other Power Five conference that have switched to either exclusively (Big 12 Pac-12 and SEC) or mostly (ACC) league games this season, the Big 12 could not add more conference games without teams playing each other more than once.“I would like to salute the work of our university presidents and chancellors, athletics directors, coaches, medical advisors and administrators who have worked tirelessly and collaboratively during these extraordinary times,” said Commissioner Bob Bowlsby. “We believe this change provides the best opportunity going forward. However, we will undoubtedly need to be flexible as we progress through the season in order to combat the challenges that lie ahead.”One question will be who will be able to play Big 12 schools as most other conference have decided to hold conference-only schedules. 1256

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

STILLWATER, Okla. — At Oklahoma State University in Stillwater, officials on Monday confirmed 23 positive cases of COVID-19 at an off-campus sorority house.All of the students living in the house were placed in isolation and are prohibited from leaving the facility, the university said in a statement.“Due to the nature of this situation, the entire chapter house is in isolation or quarantine and will be prohibited from leaving the facility,” the university wrote. “One member of the sorority who lives elsewhere is among those who tested positive and will also remain in isolation.”All involved are being monitored by OSU and the Payne County Health Department. The school says contact tracing is also being conducted to further protect the community.The confirmed cases come after a video was widely circulated over the weekend, showing dozens of maskless students packed into a nightclub in the college town.“As a student, I’m frustrated as hell,” said Ryan Novozinsky, an OSU junior from Allentown, New Jersey, and the editor of the student newspaper. “These are people I have to interact with.OSU has a combination of in-person and online courses, and students, staff and faculty are required to wear masks indoors and outdoors where social distancing isn’t possible. 1283

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