陕西补习高中复读怎么办(青岛封闭学校专业价格) (今日更新中)

Technology is constantly evolving, and often times, it makes things more convenient.Charley Sullivan uses smart technology a lot, specifically her Amazon Echo.The Echo’s virtual assistant, Alexa, will read Charley’s emails aloud to her, check the weather and more.She thought it’d be a great gift for her husband, Bobby, but he knew she’d enjoy it more.“I knew how much she was going to use that thing,” he says. “I mean, she uses it to read her bible listened to radio programs; she plays games on it.” Amazon’s Alexa has brought convenience to homes everywhere, by playing music, checking the news, ordering groceries and more. But it’s especially helpful when you can't see.Both Charley and Bobby are blind.“Well, it's so wonderful,” Charley says of the device. “And when I was a child, we had braille, and we had books on records.”Now, the two are using Alexa, along cell phones and an Apple watch to make life easier.While they wish the technology could do even more, the two are grateful.“If you are going to be blind, this is the time, the day and time to be blind, with all the technology that there is out there today,” Charley says. 1155

The #NobelPrize committee couldn't reach Paul Milgrom to share the news that he won, so his fellow winner and neighbor Robert Wilson knocked on his door in the middle of the night. pic.twitter.com/MvhxZcgutZ— Stanford University (@Stanford) October 12, 2020 275

Thanksgiving 2018 marks the 55 years since President John F. Kennedy was shot and killed while making a visit to Dallas, Texas.On November 22, 1963, President Kennedy, his wife Jackie, Texas Gov. John Connally and his wife, Nellie, rode in an open car down Dealey Plaza in downtown Dallas. At that point, Lee Harvey Oswald shot and killed Kennedy from the Texas School Book Depository building.Relive the events of the Kennedy assassination in the timeline below.Timeline (all times are Central Standard Time unless otherwise noted): 541

TELLER COUNTY, Colo. – A two-day search of the home of Kelsey Berreth’s fiancé in Florissant, Colorado turned up no sign of the missing woman, Chief of Police Miles J. De Young said Sunday.About 75 people from multiple jurisdictions searched the 35-acre home of Patrick Frazee Saturday, hoping to find any new clues that would provide answers into the Woodland Park, Colorado woman’s mysterious disappearance. Frazee, who has not been ruled out as a suspect in the case, continues to cooperate with police during the investigation, according to his lawyer.“We still have not found Kelsey,” De Young said in the latest press release from law enforcement.The search, which at one point involved the help of a backhoe, was completed Saturday and the property was turned over to Frazee.Investigators are continuing to conduct interviews as De Young stressed the case “remains our number one priority.”Details about what investigators were searching for at the home have not been released. 1022

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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