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The "City by the Bay" is known for more than a few things. Treacherous hills, cable cars, golden bridges and…Sourdough bread, which is San Francisco’s not so well-kept secret for at least the last 150 years, if not longer. Just ask Jen Latham.“The Basque country, which is that region kind of in between France and Spain, has an amazing tradition of this exact style of bread, like that very crusty, very wet, very open crumb bread. And during the gold rush and just after the gold rush, there was this huge influx of Basque people to the to this area. They brought that tradition of bread here,” said Latham.Latham is the head of Bread at Tartine Bakery in San Francisco.Ever since San Francisco boomed in the mid 1800’s with the gold rush, the city has been a haven for the sour bakers. The tradition is alive and well at Tartine.What makes sourdough different than other bread? It’s this little thing called a starter.“It’s a paste of flour and water that’s inoculated with the right balance of yeast and bacteria to raise dough,” said Latham.Yup just mix a little flour and water and let it collect the natural bacteria in the air and you too can have your very own sourdough starter. And since the onset of the COVID-19 pandemic people have.People at home have been making, feeding, and nurturing their own starter at home.“Hopped on the bandwagon during COVID, just like millions of people probably did. Kind of found some blogs and started from there but it’s been going since like April,” said TC Jamison, a home baker.Jamison started his starter six month ago when the lockdowns were in full swing. He’s been baking and feeding it ever since.“You’re dealing with something that’s alive, so it’s going to be different every time,” said Jamison.Yup, feeding it fresh flour and water every day, for six months. It’s a lot of work.“The starter has been going, the one that we use now for well over 20 years,” Latham explained.So Jamison has a little ways to go. Some bakeries in San Francisco have had an ongoing starter for more than 150 years.But Jamison has a pretty special goal for his starter."My daughter was born in June. I was pretty hell bent on keeping the starter going before she was born and then afterwards. So now I can always say, that’s been around since before you were born,” he said. That will go down in the dad joke hall of fame.At Tartine, they’ll continue to shape, fold, and flour their way into the fabric of San Francisco sourdough history.“You’re never done learning about bread. There’s always more to learn. There’s always things you can change, there’s infinite variables. The flour and the weather and you’re fermentation management, timing, temperature. You’re never done,” said Latham 2732
The Arctic is experiencing a multi-year stretch of unparalleled warmth "that is unlike any period on record," according to the 2018 Arctic Report Card, a peer-reviewed report released Tuesday morning from the National Oceanic and Atmospheric Administration, an agency within the United States Department of Commerce.The report states that human-caused climate change is transforming the Arctic, both physically through the reduction of sea ice, and biologically through reductions in wildlife populations and introduction of marine toxins and algae.The report is yet another study from part of the US government indicating that climate change is real and having a profound impact, despite denials from the President and senior members of his Administration.Temperatures in the Arctic are warming more than twice as fast as the overall planet's average temperature, with temperatures this year in the highest latitudes (above 60 degrees north) coming in 1.7 degrees Celsius (3.1 degrees Fahrenheit) above the 1981-2010 average. These were the second warmest (behind 2016) air temperatures ever recorded during the Arctic year, which runs from October through September to avoid splitting the winter season.The five years since 2014 have been warmer than any other years in the historical record, which goes back to 1900. Although Arctic temperatures have been subject to wild swings back and forth through the decades due to natural variability, they have been consistently warmer than average since 2000 and at or near record since 2014, the report states."The changes we are witnessing in the Arctic are sufficiently rapid that they cannot be explained without considering our impacts on the chemistry of the atmosphere," Thomas Mote, a research scientist at the University of Georgia who authored part of the report, told CNN in an email.Mote expressed than any natural cycle or mechanism that would lead to the amount of warming and ice loss that has been observed would take much longer than the few years over which we have seen these drastic changes. 2074

The Better Business Bureau is warning the public about “synthetic” identity theft. The BBB says the technique involves scammers combining information from multiple individuals to invent a false identity. It’s said to be so hard to detect that you might be a victim and not even know it.Specifically, the BBB says scammers pull together stolen Social Security or Social Insurance numbers, the address of an abandoned property, and a fake name and birth date. Using that information, experts say scammers apply for a credit card. Initially, they will be declined since they don’t have a credit profile, but this creates a record of a “person” that doesn’t actually exist.Next, scammers add that “person” to one or more legitimate accounts and over time, the crooks build up a credit history until they can qualify for large lines of credit.Once approved for a high line of credit, the BBB says the scammers do what’s called a “bust-out,” meaning the con artists charge their credit cards to the limit, pays nothing, discards the identity and disappears.If your Social Security or Social Insurance number has been used in one of these schemes, it will be hard to detect. The BBB says negative credit reports will be tied to your SSN, but not your name, phone number, and address, meaning fraud alerts, credit monitoring, and credit freezes won’t stop the scammers or alert you to what is happening.“However, unpaid debts left by the scammer can affect your ability to take out loans or credit. Also, jilted creditors will eventually track the debts back to the Social Security number and, ultimately, its real owner,” wrote the BBB in a press release.The BBB offered these tips on how to protect yourself from “synthetic” identity theft:Minimize your exposure. Don’t give out your Social Security or Social Insurance number if it isn’t absolutely necessary. When a business, medical office, or individual asks for this information, don’t be afraid to ask them why they need it and how they will protect your personal information.Protect your child’s personal information. A child’s identity is appealing to scammers due to their clean, blank slate.Keep an eye on your communications. Monitor any mail, phone calls, email, or other communications you receive. Be alert if something arrives out of the blue or doesn’t make sense. If you receive any mail or phone calls regarding you or your child that seem like a red flag, follow up right away 2447
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 Bluths are getting a "new new beginning."Netflix has released a trailer for season five of "Arrested Development," and one of America's favorite dysfunctional families looks to be back with a vengeance.There's Jason Bateman as Michael Bluth, looking harried as usual, and David Cross is back as Tobias Fünke, yet again in Blue Man Group-style makeup. 362
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