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TAMPA, Fla. — Kids may be spending more time online this summer than in years past due to the coronavirus pandemic — and authorities warn online predators could use that extra, unsupervised time to their advantage."They had some incidences where people had broken into their Zoom calls, and what was great about that was because we had created a space where dialogue can happen, they told me about it," Damaris Allen, the Immediate Past President of the Hillsborough County PTA said. "That was really important because we had the groundwork laid."With school out and summer in full swing, many kids are spending their time online during the health crisis. Some officials worry now may be the most dangerous time for online predators."With camps being limited, parents being stretched thin, and kids spending more time online, it creates, unfortunately, a perfect storm for online predators," Hillsborough State Attorney Andrew Warren said.Warren released a video on social media Monday with three tips for parents can take to help their kids have a "Secure Summer."First, the State Attorney says talk to your child and explain how they may be approached."Secondly, make sure that parents are actually watching what their kids are doing online," said Warren "Have the passwords, check to see what kids are doing and what information they're receiving."Warren also suggests using parental controls on devices and apps to choose what your child can access. His office says it has already seen online predators try to exploit children during the pandemic."Law enforcement is really paying attention to what's going on online now. We're working overtime to catch online predators," Warren said. "We're going to aggressively prosecute them. We won't stand for anyone trying to take advantage of our kids, especially during such a difficult time for all of us."Parents suggest starting that conversation now, so kids know they have a safe space to start a dialogue."This is a scary topic, don't avoid it because it's a scary topic," said Allen. "An educated child is a child less likely to be put in danger."This story was originally published by Mary O'Connell on WFTS in Tampa, Florida. 2189

The armed resource officer for Marjory Stoneman Douglas High School who didn't enter the building where an active shooting was taking place said through his attorney that he thought the shots were coming from outside. But in dispatch audio of the incident, he said he had heard that it was "by, inside the 1200 building."The discrepancy was revealed in an updated timeline and dispatch audio of the Florida school shooting released Thursday by the Broward County Sheriff's office.  494

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

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TAMPA, Fla. (AP) — In his first trip to Florida at the Democratic presidential nominee, Joe Biden sought to build support among Latinos, who could decide the election in one of the nation's fiercest battleground states. WATCH LIVE:In a roundtable with veterans in Tampa on Tuesday afternoon, Biden tore into President Donald Trump for his reported remarks referring to fallen soldiers as "suckers" and "losers." Later in the day, Biden will hold a Hispanic Heritage Month kickoff event in Kissimmee, near Orlando, as part of an urgent mission to build support among Latinos who could decide the election in one of the nation's fiercest battleground states. 664