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Stormy Daniels is suing President Donald Trump over his comments dismissing a composite sketch of a man who the porn star says threatened her over her alleged affair with Trump more than a decade ago.Earlier this month, Trump called the sketch "a total con job.""By calling the incident a 'con job,' Mr. Trump's statement would be understood to state that Ms. Clifford was fabricating the crime and the existence of the assailant, both of which are prohibited under New York law, as well as the law of numerous other states," Daniels' lawyer, Michael Avenatti, wrote in the lawsuit. 600

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 baby of a Michigan mother who sacrificed her own life in order to give birth to her sixth child passed away on Wednesday.Carrie DeKlyen decided to forego clinical trials and chemotherapy to treat her brain cancer since it would have meant ending her pregnancy. Doctors removed Carrie's feeding and breathing tubes one day after her daughter, Life Lynn, was born.Born prematurely, Life Lynn weighed one pound and four ounces, and was in neonatal intensive care.Life Lynn's death was announced on the Cure 4 Carrie Facebook page, which was created to share updates about the family. "I have no explanation of why this happened, but I do know Jesus loves us and someday we will know why," the Facebook post said. 736

Thanks Alamance County Jail for the photo op. I am marching to the polls tomorrow. Meet me at Wayman's Chapel AME at 3:00 p.m. Are Y'all coming or what? #ReadyForChange #ChangeIsWithinReach #J4TNG pic.twitter.com/R1ri9D7400— Rev. Greg Drumwright (@gregdrumwright) November 3, 2020 288

TAMPA BAY, Fla. — According to the Centers for Disease Control and Prevention (CDC), 107 people from 21 states, including Florida, have reported contracting measles between January 1 to July 14, 2018.Measles is a virus that is easily spread by air droplets when infected persons breathe, cough, or sneeze. The first symptoms are a high fever that may spike to 105°F, cough, runny nose and red, watery eyes. These symptoms are followed by a blotchy rash that spreads from the head to the feet.Measles is a potentially severe disease, especially young children and persons with compromised immune systems. The majority of people who get measles were unvaccinated, the CDC warns.According to the CDC, the following states were reported to have measles:ArkansasCaliforniaConnecticutFloridaIllinoisIndianaKansasLouisianaMarylandMichiganMissouriNevadaNew Jersey New YorkNorth CarolinaOklahomaOregonPennsylvaniaTennesseeTexasWashingtonDistrict of Colombia"We continue to encourage parents to fully vaccinate their children," said infectious disease specialist Dr. Ulyee Choe. "Measles is a highly contagious disease that can have serious complications for babies and children."Unvaccinated individuals who are exposed to measles may be excluded for up to 21 days from public places such as school and work where they could infect others.Persons with symptoms of measles should be evaluated by their health care provider. Health care providers are asked to immediately report suspected cases of measles to the department of health. 1581