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The body of a New Jersey man, whose body was recovered 1,500 feet underwater in California, is considered to be the deepest recovery ever performed in the United States and Canada, officials say.According to the South Lake Tahoe Police Department, 29-year-old Ryan Normoyle rented a boat on Lake Tahoe on Aug. 10.That evening, Ryan's rental boat washed ashore in Glenbrook, Nevada, but Normoyle wasn't on it.On the boat, the department said they found Normoyle's phone, which recorded Ryan jumping off the boat into the lake. The video also showed the boat drifting away, which the department said was because Ryan had left in gear.The New York Times reported that the camera captured Normoyle trying to swim to the boat for about two minutes before disappearing from the frame.With the help of GPS data captured from Ryan's phone while recorded, the South Lake Tahoe Fire Department, Douglas County Sheriff's Office, the Washoe County Marine Unit, and the University of California Davis Research Team helped in the search. On Sept. 23, the nonprofit Bruce's Legacy, which specializes in underwater recovery, was called in by Ryan's family to aid in the investigation.In a blog post, Bruce's Legacy founder Keith Cormican detailed how winds chased them off the lake around noon, and on the second day, they ran into electrical issues. Not wanting to give up, Cormican used sonar on the ROV after losing power to it.After a few hours, a body image, which was identified as Ryan's, showed up on the sonar at 1,551 feet. Unfortunately, they lost hold of him and weren't able to bring him to the surface, but on Sept. 27, they found Ryan at 1,565 feet, and after two hours, the crew pulled up Normoyle's body, by hand, to the surface.According to the police department, Cormican said this was the deepest recorded recovery in the United States and Canada. Previously, the deepest recovery in Lake Tahoe was in 2018 at a depth of 1,062 feet. 1944

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

SUTHERLAND SPRINGS, Texas (KGTV) -- At least 26 people are dead and dozens more injured after a shooting at a church in Texas Sunday morning, according to ABC News.KSAT identified the shooter as Devin Kelley of New Braunfels, Tex. He reportedly fled the scene and is dead after a brief pursuit. ABC News reported Kelley has no known ties to terrorism.The shooting took place at First Baptist Church in Sutherland Springs, which is located about 35 miles east of San Antonio, according to ABC affiliate KSAT.RELATED: Who is Devin Kelley, Texas church suspect?A witness reported seeing a man walk into the church around 11:30 a.m. and open fire.The victims ranged from 5 to 72 years old. Among them is 14-year-old Annabelle Renee Pomeroy according to her father, Frank Pomeroy, who is a pastor at the church.At least six helicopters were on scene to transport victims. Watch a Facebook Live from the scene by clicking play below:  956

TALLAHASSEE, Fla. — As more schools reopen to in-person lessons, Florida's Department of Health, and many other states, are not publishing statewide data on school district COVID-19 cases."The Department is continuing to review and determine the most appropriate method for reporting outbreaks in schools," a statement from the Florida department reads.While officials may yet remedy the absence of school data — one Floridian isn't waiting.Rebekah Jones, the ousted Florida Health data expert, has partnered with Google and nonprofit FinMango to create a website called The COVID Monitor. It aims to track cases not only in schools here— but across the nation, from kindergarten to college."Pretty much everybody was like, 'this doesn't exist … this does not exist,'" Jones said. "I was like, 'OK, let's build it.'"The site sweeps up COVID-19 data from across the web. Things like press releases, news stories, info from health departments and more. It includes taking anonymous tips from school teachers.The Monitor team then verifies the details, looking for additional sources or contacting districts, before marking cases confirmed."We make sure that we check the information we're putting up there, which is for me, one of the most important elements," Jones said. "I would never want to put out inaccurate information."Officials terminated Jones from Florida Health after she made allegations the department was misrepresenting data earlier this year in the pandemic. Florida Gov. Ron DeSantis later told the press that Jones was fired for insubordination."Yeah, it's a non-issue," DeSantis said in June.Jones has since become a public figure, critical of the state's handling of COVID-19. Her new website, she hopes, will provide clarity at a time when many are seeking answers."We want people to know this is a place that they can go to," Jones said. "Letting them say, 'Hey, there is a resource out there for this.'"This story originally reported by Forrest Saunders on wptv.com. 1998

The 2020 American Music Awards will take place on Sunday, Nov. 22, and will air on ABC at 8 p.m. ET.Ciara hosted last year's ceremonies and Taylor Swift walked away with five awards, including Artist of the Decade.Swift now has the most AMA awards by any artist ever.The “2020 American Music Awards” will be produced by Dick Clark Productions. 351

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