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The Asian giant hornet first made waves this spring when it appeared in the United States. Discovered in Washington State, some dubbed it the murder hornet, but since then, entomologists have been feverishly trying to eradicate it."Quite a bit has happened. First, we had an initial planning with our AFS counterparts and also our counterparts in Canada who are having detections of their own. We formulated one or two different plans and put one or two of them into action," says Sven-Erik Spichiger, the Managing Entomologist at the Washington State Department of Agriculture.The Asian giant hornet is the world's largest hornet. It's more than two inches long, and queens can be even bigger. They feed on honey bees, attacking and killing tens of thousands of them at a time.Last November, beekeeper Ted McFall was blown away when he discovered one of his strongest hives had been attacked."Every time I go and check my hives, I kind of have a bad feeling when I start thinking about the Asian giant hornets that are somewhat establishing nests in the woods around me because I think to myself, 'Which one of these colonies is going to get it? Next time I come out here, am I going to show up and there's going to be bee heads everywhere and just bee carnage everywhere?' It's a very unsettling feeling," says McFall.The Asian giant hornet has been spotted and caught near McFall's property. Spichiger says the Washington State Department of Agriculture and the surrounding community have been hard at work setting traps."We have an excellent public survey going on with over 1,000 traps established by just members of the general public. This is very heartwarming to me because it means everyone is taking it very seriously and going above and beyond to help us look for new detections of this invasive pest," says Spichiger.Spichiger says so far, one has been discovered just over the Canadian border and three in Whatcom County in Washington State. Two of those discovered were queens, which is crucial since the Asian giant hornet hive can't survive without its queen. There have also been two cases where people were likely stung by an Asian giant hornet."She described being stung as having hot tacks driven into her flesh... What she described seeing in the yard earlier that day sounded like an Asian giant hornet. Again, it's an unconfirmed report, but we believe it happened," says Spichiger."Beekeepers have all types of bee equipment and protection against bees but this is totally useless against the Asian giant hornet. The Asian giant hornet can poke his stinger right through here. Even if I wore two of them," says McFall.As for whether Washington State agriculture officials feel they're closer to eradicating the Asian giant hornet, Spichiger says: "Eradication is going to be a long process. We will only know for sure if we’ve been successful if we have three years of all negative surveys and nobody turns any in. So from a realistic sense, no, I’m three years away."Still, the capture of the Asian giant hornets, including the two queens, is progress.McFall has 16 traps set up within a mile of his hives. He's on high alert, hoping none of his honey bees get attacked again."This is a [container] with orange juice and rice wine. They'll smell it and go through the hole. That hole is a little bit narrower than 3/4 inch and then they'll go in and not find their way out. They'll try and fly out and not be able to get out," says McFall.The traps are the same used by entomologists at the Washington State Department of Agriculture. Entomologists will be setting another 40 live traps near the most recent sighting. They're hoping to catch a live Asian giant hornet and tag it so they can track it to their nest. 3747

TALLAHASSEE, Fla. — On Friday, a judge ruled that patients approved to use medical marijuana will be allowed to smoke it.Florida voters legalized medical marijuana in 2016. The only mention of smoking in the amendment’s language and in an intent document during the 2016 campaign was that the Legislature and local governments could restrict it in public places.The Legislature last year passed enacting laws that banned the sale of smoking products, saying that it poses a health risk.Orlando lawyer and medical-marijuana advocate John Morgan filed a lawsuit that brought the case in front of a Tallahassee judge who ruled that Florida's current smokable weed prohibition is unconstitutional. On Friday, Circuit Judge Karen Gievers ruled Florida's medical cannabis patients have the right to smoke weed in private places. 835

The biggest shopping day on the planet raked in an eye-popping .4 billion.Chinese e-commerce giant Alibaba said Saturday that sales soared past billion after just 13 hours of the retail blitz known as Singles Day, eclipsing the .8 billion it managed in the full 24 hours last year.Singles Day, a bonanza of online spending in China, has for years racked up more sales than Black Friday and Cyber Monday combined.Earlier in the day, Alibaba said eager shoppers had managed to spend billion in just 2 minutes.As the clock struck midnight in Shanghai, the final sales tally rang in at ,386,927,848, marking about a 40% increase over last year's record-setting sales total.Singles Day started out as an informal holiday in China celebrating single people on a day that epitomizes not being paired off: 11/11. Alibaba turned it into a festival of discount deals in 2009.Alibaba has used the now-massive event to lure international companies onto its platforms. More than 40% of the brands taking part this year came from outside China, according to research firm eMarketer Retail.And while Singles Day still mostly targets Chinese consumers, it's also increasingly spreading to other countries, experts say.Local players in Southeast Asia like Lazada (an Alibaba subsidiary), Zalora and Shopee launched their own Singles Day promotions this year, said Xiaofeng Wang, an analyst with research firm Forrester.The event is also evolving beyond its original conception as an online shopping spree.Alibaba and its main Chinese rival, JD.com, have both made significant investments in brick-and-mortar businesses. And they're using the popularity of Singles Day to drive shoppers to offline stores, too.Cosmetics giant L'Oreal, for example, set up an interactive mirror at its Shanghai store where shoppers could try on virtual makeup using augmented reality and then order products on a touch screen linked to an Alibaba platform.But beyond the blockbuster sales, Singles Day also creates an enormous amount of waste.Greenpeace said the manufacturing, packaging and shipping linked to the event produced 258,000 tons of carbon dioxide emissions last year. It would take about 2.6 billion trees to absorb it all.The environmental activist group estimates this year's shopping blitz is on track to leave an even bigger carbon footprint."More over-consumption means more CO2 emissions and waste," said Greenpeace campaigner Nie Li. 2442

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

Texas Republican Sen. Ted Cruz appears well-positioned for re-election over his Democratic challenger Rep. Beto O'Rourke, topping him 52% to 45% among likely voters, a new CNN poll conducted by SSRS finds.Just 9% of likely Texas voters say there's a chance they could change their mind about the Senate contest before Election Day, although O'Rourke's voters are more apt to be locked in to their choice (92% say their minds are made up) than are Cruz's backers (87% say they've made a final decision).The two candidates are set to debate Tuesday night, and O'Rourke will participate in a CNN town hall later this week. O'Rourke's challenge has drawn tens of millions in donations, forcing Republicans to play defense in one of the few Republican Senate seats in play this election cycle. President Donald Trump even plans to host a rally for his former rival's benefit.The President could be an asset among those planning to vote in Texas. Trump's approval rating is net negative statewide, with 50% of adults disapproving of his handling of the presidency vs. 41% who approve. Among likely voters, however, 49% approve of Trump's job performance and 48% disapprove.The gender gap in this race is tighter than what CNN has measured in nationwide polling on the House generic ballot and in other Senate contests. In four other critical battlegrounds, the gender gap has been 30 points or higher in three states, and stood at 21 in the fourth. In this contest, it's a narrower 18 points. O'Rourke holds just a 2-point edge among women, the smallest for a Democrat among women in the states CNN has polled so far. The next closest is Jacky Rosen's 14-point lead among women in Nevada earlier this month in her race against Republican Sen. Dean Heller.In Texas, the race gap appears more meaningful than the gender gap. Latino voters break sharply in O'Rourke's favor, 62% to 35%, while white voters favor Cruz by a 2-to-1 margin, 66% to 33%.Likely voters in Texas place immigration at the top of their issue list: 26% call it the most important issue in deciding their vote, while 23% call the economy their top priority. Cruz leads among both sets of voters. O'Rourke has a wide edge among the 19% of voters who call health care their top issue. Eleven percent say their top issue is national security, 8% gun policy and 5% the investigation into Russian interference in the 2016 election.Both Senate candidates hold net-positive favorability ratings with voters in Texas generally, and that holds among those most likely to vote. Cruz is viewed positively by 51% of Texas voters, 41% have an unfavorable view, and O'Rourke is seen favorably by 45%, with 36% holding a negative opinion. Cruz fares better among his own partisans (92% favorable among Texas Republicans) than O'Rourke does with Democrats in the state (81% favorable among Democrats).The poll also finds Texas Gov. Greg Abbott standing well ahead of his Democratic challenger in the poll -- 57% of likely voters support Abbott with 39% for Lupe Valdez.The CNN poll in Texas was conducted by SSRS October 9 through 13 among random statewide samples reached on landlines or cell phones by a live interviewer. Results for the full sample of 1,004 adults have a margin of sampling error of plus or minus 3.8 percentage points. For the subset of 862 registered voters, it is plus or minus 4.1, and for the 716 likely voters, plus or minus 4.5 percentage points. 3447

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