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Taco Bell is getting into the wine business.Taco Bell Canada debuted its custom Jalape?o Noir wine on social media.They stated the wine pairs well with their Toasted Cheesy Chalupa. 189

TAMPA — A St. Petersburg, Florida soldier is finally reuniting with a dog she rescued while she was deployed in Iraq in 2017. U.S. Army Reserve Sgt. Tracy McKithern said she first laid eyes on a the little puppy as it sniffed around the base with its mom.McKithern said the puppy and the mom were clearly starving, and abused by locals, kicked and hit with rocks everyday. They were covered with dirt and scratches. The puppy had two siblings, but McKithern said they both disappeared.It didn't take long for the puppy and her mom to realize they were safe near the base, and would be fed too. As weeks went by, the puppy and its mom both gained weight and their wounds started to heal."She loved everyone," said McKithern. "She is the sweetest little soul. She came up to me immediately, probably hungry, but gentle. I think she was looking for love more than anything else."McKithern named the puppy Erby Kasima. Erby, after the the largest city in Northern Iraq, Erbil and Kasima, the Arabic name for "beauty and elegance."McKithern said she along with soldiers from Italian and German armies her unit was partnered with, began taking care of the dogs. McKithern was totally in love with Erby and said the puppy was always waiting at the base for them to return when they'd go on missions. But towards January 2018, as her 1-year deployment was expected to end, McKithern couldn't imagine leaving Erby behind. She decided to post a picture of the dog to Facebook with the caption, "I wish I could take her home.""I went to sleep, woke up and my friends and family had posted links to various rescue groups. I reached out to one of them and they responded immediately," McKithern said.She got in touch with one and sent them ,000 dollars to get the ball rolling."A complete stranger donated ,000 and it was around Christmas, so it was like a cute note, like Merry Christmas, or Happy New Year, it was amazing," she said.The non-profit, Puppy Rescue Mission, raised the rest of the money needed, which was ,500, from complete strangers. McKithern was beyond excited and grateful.But before Erby could leave, she needed vaccinations, documentation, and travel arrangements which became a daunting task for McKithern, who still needed to fulfill her duty as a soldier. She started to get worried the rescue wouldn't pan out. Instead, her German and Italian friends stepped up, promising to tie up any loose ends and get Erby on the plane.Erby was set to arrive JFK airport on March 11. Just days before, McKithern got word she would be deployed that SAME day, on a 67-day mission to Fort McCoy, Wisconsin. She wouldn't be able to greet Erby, let alone see her for another 2 months."I was pretty sad, I mean I mention to my husband quite a few times, I love the Army and what we do, but I was pretty sad," she said. McKithern came home and was reunited with the dog she fell in love with and saved. She said none of this would have been possible without the help from strangers, and the friends she made in Iraq at her base. "I can't believe it," said McKithern. "It feels like a miracle is happening."Erby's mom is still in good hands being taken care of on the base, but McKithern hopes she can get adopted as well. Unfortunately it costs thousands of dollars to bring the dog to the United States, but she is optimistic Erby's mom will be adopted too.For more on McKithern's story, click here. 3498

Stay up late Monday night watching the Stanley Cup Finals or Monday Night Football? Need a jolt of caffeine to keep you awake through tonight's presidential debate? You're in luck — because Tuesday is National Coffee Day.Several national chains are making it easy to celebrate with a cup of joe on Tuesday by offering freebies or discounts. Below is a list of chains offering deals, according to Offers.com:Barnes & Noble: Nothing beats a good book and a cup of coffee on a brisk fall day. Get off a cup of Starbucks coffee at the bookstore cafes through Sept. 30.Dunkin': The breakfast chain is giving away a free medium hot or iced coffee with any purchase at participating locations.Jack in the Box: The fast-food chain is giving away a free regular hot or iced coffee with any purchase through its app through Oct. 1.Krispy Kreme: Nothing pairs with coffee like a donut and the chain is giving away both on Tuesday. Participating locations are giving away free coffee to all customers — no purchase necessary — on Tuesday, and rewards members can also score a free donut.Peet's Coffee: Homebrewers can get 25% off Peet's coffee beans online and in the chain's coffee bars between Sept. 27 and Sept. 29.Starbucks: Starbucks Rewards members who order through the chain's app on Tuesday will receive a free drink loaded to their account for a future visit. The Coffee Bean & Tea Leaf: Get a free regular coffee with a food or bakery purchase at participating locations on Tuesday.Tim Hortons: Between now and Oct. 26, customers can get any size hot or iced coffee for Students ordering books online have the chance to get a high percentage off textbook rentals and to sign up for free trials.Offers.com says opting for digital purchases or rentals can reduce costs. It suggests trying Textbooks.com for up to 90 percent off textbook rentals, or signing up for a free trial at Chegg for purchasing books online.Other college saving tips from Offers.com: 412.99 when ordering through the chain's app or website.Wawa: Anyone who signs up for Wawa Rewards can cash in for a free coffee of any size on Tuesday. 1731

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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