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TAMPA — Wearing masks is one of the most important ways to prevent the spread of COVID-19 — and health experts say everyone should continue to care for their face coverings to ensure protection when in public.After wearing a mask for a few months, doctors say there are some clear, tell-tale signs that it is no longer working correctly."When the edges start to fray or if the pieces where they connect start to fall apart, or if they are visibly soiled, then you should really get a new mask," said Dr. Tracey Taylor, the associate dean of USF College of Nursing.Experts also say that if a mask no longer fits over the nose or doesn't have a close fit around the face or chin, it's time to get a new one."It's super important to make sure your mask is fitting appropriately, that it's not visibly soiled, that the edges aren't frayed and that the attachments to the ear loops or tie backs — whatever type you're wearing — is appropriately attached," Taylor said.For those who own cloth masks, experts say owners need to remember to wash them. Experts say washing cloth mask with detergent or soap is best and that they don't need to be washed with super hot water. Those who own cloth masks with filters should remove the filter and clean it separately.However, there's another option."You can put them in a paper bag and seal it up for a couple of days. That'll inactivate any virus that's on it," said Dr. Marissa Levine, a professor of public health practice at USF.After several months, experts say they have more information about which masks are effective in preventing the spread of COVID-19.Cloth masks are most effective when they have at least three layers of material or a spot to add a filter. They're typically the easiest for the general public to use because they're reusable, and doctors say the research shows they mostly prevent the spread of the virus.Although any face covering is better than none, some aren't as effective in preventing the spread of COVID-19.Experts say bandanas are very thin and don't offer the same type of protection as a mask.Doctors say any mask with a valve on it is completely ineffective because the valve allows virus-carrying particles to leak out.Popular neck gaiters that wearers can easily pull up and down don't provide a lot of protection for the wearer or those around them."If you find yourself with a single layer, you could use something like a paper towel inside there to add an extra layer if you need to," Levine said.Experts advise keeping two masks on hand in case one gets lost or breaks."There's no one thing that we do that will protect us to the highest level. It's a series of things," Levine said.This story was originally published by Larissa Scott on WFTS in Tampa, Florida. 2755

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

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

The @TexasGOP is out with a statement in the wake of the Supreme Court decision, all but calling for secession:“Perhaps law-abiding states should bond together and form a Union of states that will abide by the constitution.” pic.twitter.com/4bB3gk88t4— Adam Kelsey (@adamkelsey) December 12, 2020 310

TARPON SPRINGS, Fla. -- A Walmart employee called Tarpon Springs, Florida police on Thursday to report a strong odor coming from a van parked in the store's parking lot. The employee told police the older model van had insect activity on the interior of the van's windows and there was a strong smell coming from the van. Police responded to the location and found an older model Ford E-150 van parked at the north end of the parking lot near Tarpon Avenue. When officers entered the vehicle, they discovered a dead person. Detectives have responded to the scene and are conducting a full investigation into the death. The identity of the deceased is unknown at this time.  701