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Sudan, the world's last male northern white rhino, has died.For nearly a decade, Sudan lived in a 700-acre enclosure at the Ol Pejeta Conservancy, against the backdrop of the hulking Mount Kenya.Armed guards protected him 24 hours a day because he belonged to a subspecies on the verge of extinction from poachers. Rhinos are targeted by poachers fueled by the belief in Asia that the horns cure various ailments. 421

Students across the country are expected to walk out of their classrooms Wednesday morning to protest gun violence. The National School Walkout is scheduled to begin at 10 a.m. in every time zone and last for 17 minutes -- a minute for each life lost in the Parkland school shooting.If you're a student who's thinking of taking part (or the parent of one), you probably have lots of questions: Can the school retaliate? Will it hurt your chances of college? Can you just stay home for the day?For help with answers, we turned to a couple of experts:Ben Wizner is the director of the ACLU's Speech, Privacy, and Technology Project and an adjunct professor at New York University School of Law. He's litigated numerous cases involving the intersection of civil liberties and national security. He's also the principal legal advisor to Edward Snowden.Christine V. Hamiel is an attorney at the von Briesen & Roper law firm in Milwaukee, Wisconsin. She chairs the firm's school law section and advises school districts on legal matters involving student issues, among other things. 1088

Telecommunications company AT&T told its customers on Wednesday evening that they may need to restart their device in order to regain cellular service following a massive service outage. According to the outage tracker Down Detector, a sudden spike in AT&T outages were reported around 6 p.m. ET. Thousands of customers were reporting that their AT&T cellphone service was out. "If you've experienced an issue when making wireless calls, please restart your device, this might be required multiple times- that should resolve the issue," AT&T said on its Twitter page. AT&T said in a statement that it is aware of the outage."We are aware of an issue affecting some users ability to make certain wireless calls. These users should restart their devices, which should resolve the issue," the company said.By 9:30 p.m., outage numbers were returning to normal levels, according to Down Detector.Some customers said that restarting their device did not solve the issue.   1030

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

TAMPA, Fla. – Both presidential candidates will hold campaign events in Tampa on Thursday as they make their final pitches to voters in the swing state of Florida.Tampa is located in the western end of the state’s Interstate 4 corridor, an area The Associated Press says is known for its rapid residential growth, sprawling suburbs and status as an ever-changing, hard-fought battleground during presidential elections.President Donald Trump will visit the Gulf Coast city first, holding a “Make America Great Again” rally that’s scheduled to start around 1:35 p.m. ET.Watch Trump's event below:Following a stop in Broward County, former Vice President Joe Biden will host a drive-in event in Tampa, which is set to begin at about 6:30 p.m. ET.The stakes are highest in Florida for Trump, who is hoping to retain the state’s 29 electoral votes that he won in 2016. If he doesn’t win The Sunshine State, his options to reach the all important 270-vote threshold are limited, though still possible, based on polling.With Election Day just five days away, both nominees are focusing on encouraging voters to turn out for them. As of Wednesday, more than a third of registered voters had already voted, CNN reports. That’s over 75 million Americans.In the final days of the campaign, the conversation continues to revolve around the ongoing coronavirus pandemic. More than 227,000 people have died from COVID-19 so far in the U.S. and the nation is seeing an uptick in cases as we move into the fall and winter months.Trump and Biden are addressing the pandemic differently. The president is arguing that the country is rounding a corner and promising that a forthcoming vaccine will bring things back to normal, while his Democratic opponent is pointing to the Trump administration's failures. 1798