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Starting Friday, you'll be able to actually have breakfast at Tiffany.The luxury jeweler is opening its first-ever restaurant, The Blue Box Café, at its flagship Fifth Avenue store in New York City on Friday.The cafe is located on Tiffany's newly-renovated fourth floor, which was unveiled to the public on Wednesday."Both the café and redesign of the Home & Accessories floor reflect a modern luxury experience," said Reed Krakoff, Tiffany's chief artistic officer, in a statement. "The space is experimental and experiential -- a window into the new Tiffany."The café is decked out Tiffany's signature eggshell blue. Patrons will be able to order -- what else -- Breakfast at Tiffany, named for the Truman Capote novel turned Audrey Hepburn movie. The meal includes tea or coffee, a croissant with Nutella, honey butter and winter fruit preserves, seasonal fruit and berries, and a choice of smoked salmon & bagel stack, truffle eggs, buttermilk waffle or vegan avocado toast. Holly Golightly couldn't ask for more.Lunch, which includes a starter and a main course like the Fifty-Seventh Street Flatbread or the Fifth Avenue Salad, costs . And Tiffany Tea, a selection of teas plus finger sandwiches and sweets, comes to .The offerings are seasonal and subject to change.In a recent report, RBC Capital Markets mentioned that investors have two areas of concern when it comes to Tiffany's performance: Appeal to Millennial customers and foot traffic in stores. That might help explain the avocado toast. 1536

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

Stormy Daniels' former manager, who helped broker her confidentiality agreement, is cooperating with the FBI as part of its probe of an arrangement she struck with Donald Trump's lawyer, according to a source with knowledge of the investigation.Gina Rodriguez responded to a subpoena by handing over records to the FBI. Some of those documents pertain to the 2016 hush money agreement signed by Daniels and Michael Cohen, President Trump's personal attorney. Cohen signed the agreement on behalf of a shell company he owned known as Essential Consultants LLC, according to the source.Rodriguez has signed a confidentiality agreement that keeps her from talking about the Daniels deal with Cohen, the source said.In the documents Rodriguez handed over to the FBI, there is evidence that Daniels -- an adult film star whose legal name is Stephanie Clifford -- was working an initial deal with Cohen on October 10, 2016. Daniels was being represented in that deal by Rodriguez and Daniels' then-attorney Keith Davidson, according to the same source.As CNN previously reported, that deal fell through when Cohen failed to pay the money. Eighteen days later, the second deal was finalized by Daniels and Cohen.Around the same time negotiations with Cohen were going on behind the scenes, Daniels and her manager were shopping a story to several media organizations about Daniels' alleged affair with Trump a decade ago.Cohen has said that the President did not have a sexual relationship with Daniels. Trump has said he knew nothing of the financial arrangement between his lawyer and Daniels.But during a recent phone interview with Fox News, Trump said Cohen "represents me like with this crazy Stormy Daniels deal, he represented me."Daniels is suing Cohen and Trump, and Essential Consultants LLC, in federal court in California over the legality of the 2016 hush agreement in which she was paid 0,000 to keep quiet about her alleged affair with Trump. 1972

TAMPA, Fla. — A middle school student in Hillsborough County, Florida was arrested on Thursday for possessing a loaded firearm on school property.Hillsborough County deputies said the 13-year-old male student brought the firearm to Dowdell Middle School on Thursday.Deputies said a witness saw the firearm in the student's backpack, then saw him place the firearm inside a large tractor tire outside of the school next to the bike rack. The location of the firearm was 516

Texas-based Ruiz Food Products, Inc. is recalling approximately 2,490,593 pounds of ready-to-eat meat and poultry taquitos that may be contaminated with salmonella and listeria monocytogenes, according to the USDA Food Safety and Inspection?Service. The ready-to-eat taquitos were produced July 1-October 10.The following products are subject to recall: 376

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