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Texas health officials say new cases of the coronavirus that causes COVID-19 have hit a new peak. According to the Johns Hopkins website, the state recorded 1,010,364 cases early Wednesday with 19,337 deaths since the pandemic began in early March.Texas recorded 10,865 coronavirus cases on Tuesday, setting a new daily record that surpassed by 74 cases an old mark set July 15, state officials said.According to state figures on Tuesday, an estimated 132,146 cases are active, the most since Aug. 17, and 6,170 COVID-19 cases are hospitalized, the most since Aug. 18.The true number of infections is likely higher because many people haven’t been tested, and studies suggest people can be infected and not feel sick.There were 94 new deaths Tuesday, according to the Texas Department of State Health Services.Meanwhile, cases of the coronavirus that causes COVID-19 are surging in the Laredo area as the borderlands remained a COVID-19 hotbed Tuesday, health officials said.Laredo health officials reported 331 new cases Tuesday of the coronavirus, the most since the Aug. 10 peak of 374 cases. That brought the area’s case count for the pandemic since the beginning of March to 16,558. Of those, 934 cases are active, the most in two months, and 73 require hospitalization. One new death was reported Tuesday, bringing the city’s COVID-19 death toll to 367.The surge comes as El Paso, another border city, grapples with a recent tsunami of cases. Another 1,292 cases were reported in El Paso County on Tuesday, bringing its pandemic count to 65,651 with 27,895 cases now active and 1,076 requiring hospitalization. Nine new deaths brought the county’s COVID-19 death toll to 682.The higher counts come amid intensive testing in both places and statewide.For most people, the coronavirus causes mild or moderate symptoms, such as fever and a cough that clear up in two to three weeks. For some, especially older adults and people with existing health problems, it can cause more severe illness, including pneumonia and death. 2034

The "We Got Next" poll worker recruitment effort -- a partnership of LDF and @morethanavote -- has reached a milestone, but there is more work to be done. Sign up to be a poll worker in your community today: https://t.co/rfVXJtDQLF pic.twitter.com/cCDCpKw5ad— Legal Defense Fund (@NAACP_LDF) September 30, 2020 318

Supporters of President Donald Trump are planning on holding rallies this weekend in Washington, D.C.In what’s being called the Million MAGA March, supporters of the president are expected to show support of Trump’s claims of voter fraud. No credible evidence of voter fraud has been exposed. Several lawsuits filed by the Trump campaign claiming irregularities in the 2020 election have been dismissed.A handful of groups are posting on social media about gathering in locations around D.C. and the country Saturday afternoon. Groups include March for Trump, Stop the Steal, and Women for America First, according to local media.Some are suggesting they will march from the Supreme Court to the White House on Saturday, and there is a permit application for a gathering in Freedom Plaza.When asked Thursday about the rallies, White House Press Secretary Kayleigh McEnany said she expected a large turnout."I think it's going to be quite large, um, from what I'm hearing, don't have an estimate for you," McEnany said during an interview on Fox News.D.C.’s mayor said the city is preparing for Saturday, same as they did last weekend after the Associated Press and others called the presidential election in favor of Joe Biden. 1235

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 90th Academy Awards are tonight!Late-night host, Jimmy Kimmel, will once against host the annual awards show at the Dolby Theatre in Hollywood, California -- hopefully with no envelope malfunctions this year.Whether you're watching the show at home or with friends, you can download the official Oscar ballot and make your predictions. View the nominees. 376