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No surprise, the West title still runs through the Warriors

first_imgGolden State Warriors’ Stephen Curry celebrates after scoring against the Phoenix Suns during the first half of a preseason NBA basketball game Monday, Oct. 8, 2018, in Oakland, Calif. (AP Photo/Ben Margot)Golden State coach Steve Kerr is a happy man these days.He’s got a new contract. He’s got his son Nick, who was helping out in San Antonio, working in the Warriors’ video room now. He’s leading a team that has won three of the last four NBA championships and is the overwhelming favorite to win it again this season.ADVERTISEMENT View comments FACING LONG ODDS12. MINNESOTA — The Jimmy Butler debacle shows that some big changes in direction are probably going to happen in Minnesota, and sooner than later.13. PHOENIX — Devin Booker got his max deal and the Suns got No. 1 pick Deandre Ayton, but firing GM Ryan McDonough so close to the season was odd.14. MEMPHIS — Mike Conley and Marc Gasol are savvy vets, but they are going to need a lot of help if Memphis is going to seriously improve this season.15. SACRAMENTO — Kings had a league-high 44 games last season where they didn’t score 100 points, and a very young team might not change that much.WHAT TO KNOWL.A. BRON: If he has even an average-for-him season, new Los Angeles Lakers star LeBron James will rise to No. 4 on the NBA’s all-time scoring list this season. He’s currently No. 7, with No. 6 Dirk Nowitzki, No. 5 Wilt Chamberlain and No. 4 Michael Jordan well within reach. Add 2,000 or so points to James’ total of 31,038, and only No. 3 Kobe Bryant, No. 2 Karl Malone and No. 1 Kareem Abdul-Jabbar — all former Lakers — would still be ahead of him.STEPH RISING: Speaking of rising up career charts, Golden State’s Stephen Curry could easily be No. 3 on the all-time list for 3-pointers made by the end of this season. Curry has 2,129 3s in 625 career games, a rate of 3.4 made per game. The six players ahead of him — Ray Allen, Reggie Miller, Jason Terry, Kyle Korver, Jamal Crawford and Paul Pierce — averaged 1.8 made 3s per game.BIG NUMBERS: The only players in the last 30 seasons to average 30 points and eight assists were Oklahoma City’s Russell Westbrook in 2016-17 and Houston’s James Harden last season. Probably not coincidentally, Westbrook and Harden won MVP awards for those seasons. There are seven active players with at least one MVP award in the NBA right now, and all seven play in the West.GREAT COACHES: San Antonio’s Gregg Popovich enters the season with 1,197 wins, fifth-most in NBA history — 13 behind Pat Riley and 24 behind Jerry Sloan. Meanwhile, Golden State’s Steve Kerr comes into the year with the highest winning percentages during both the regular season (265-63, .808) and the postseason (63-20, .759) in NBA history. Here’s how far ahead Kerr is on the NBA’s all-time regular season winning percentage list: If the Warriors go 24-58 this season, which seems less than likely, he would still be above Phil Jackson for the No. 1 spot. Don’t miss out on the latest news and information. Nadine Lustre’s phone stolen in Brazil Allen Durham still determined to help Meralco win 1st PBA title Japeth Aguilar embraces role, gets rewarded with Finals MVP plum Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college VERSUS EAST: The West beat the East for the ninth consecutive season in head-to-head matchups, winning nearly 53 percent of the cross-conference matchups in the regular season (and 100 percent of them in the NBA Finals). Over the last nine seasons, West teams have beaten East teams nearly 57 percent of the time.Sports Related Videospowered by AdSparcRead Next Gov’t to employ 6,000 displaced by Taal Staying happy will be the challenge for Kerr and the Warriors this season, when Western Conference rivals resume their attempts to take down the champs.“Our place in the history of the league is pretty secure,” Kerr said. “I don’t think our guys should feel a ton of pressure. I think they should feel the importance of trying to do it again, because this may be the last time we have this current iteration of the Warriors, just given all the free agents and the money crunch and everything else.”FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissLeBron James took his talents to Los Angeles, signing with the Lakers and moving out of the East for the first time in his career. Houston had the NBA’s best regular-season record a year ago and has reigning MVP James Harden. Utah has a budding superstar in Donovan Mitchell, and certainly got the league’s attention with its playoff run last season.But in the West, until further notice, it’s still the Warriors and then everybody else. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew LATEST STORIES NU gets UAAP badminton five-peat after another perfect season Phivolcs: Slim probability of Taal Volcano caldera eruption 3. HOUSTON — The Rockets have the MVP in James Harden, a leader in Chris Paul and added Carmelo Anthony, but expecting another 67-15 season is a lot.4. L.A. LAKERS — LeBron James is still the best player in the game and shows no signs of slowing down, so doubting his chances seems less than brilliant.5. OKLAHOMA CITY — This is a sign of how loaded the West remains: The Thunder are really good, and that won’t assure them home-court for Round 1.6. DENVER — Losing Game 82 last season to Minnesota and missing the playoffs because of that outcome should serve as a massive motivator for Denver.7. NEW ORLEANS — DeMarcus Cousins is gone, Rajon Rondo is gone, but Anthony Davis is still there and that should be enough for a Pelicans playoff run.8. SAN ANTONIO — Dejounte Murray’s ACL tear is a disaster, but any team with LaMarcus Aldridge, DeMar DeRozan and Gregg Popovich still has a lot.IN THE MIX9. PORTLAND — The West’s No. 3 seed last season, the Blazers were only three games ahead of No. 9 and will face a serious battle in a very loaded West.10. DALLAS — Luka Doncic is NBA-ready, DeAndre Jordan will make the Mavs better and Dirk Nowitzki deserves to see his franchise trending up again.11. L.A. CLIPPERS — A possible transitional year for the Clippers, who should be major players in free agency next summer and could add a lottery pick. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Tim Cone, Ginebra set their sights on elusive All-Filipino crown Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award MOST READ “It’s a marathon,” Warriors guard Stephen Curry said. “There’s a lot of time between now and April and May and June, but if we go about it the right way to start the season, it can feed on itself in terms of the expectation we have night in, night out.”A look at the West, in predicted order of finish:PLAYOFF BOUND1. GOLDEN STATE — Warriors aiming for their third consecutive NBA championship, something only the Lakers, Celtics and Bulls franchises have done.2. UTAH — Donovan Mitchell is a legitimate star, coach Quin Snyder has been underrated for far too long, and the Jazz went 29-6 to finish last season.ADVERTISEMENTlast_img read more

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Gov’t Issues Position on Central African Republic

first_imgThe Government of Liberia (GOL) has expressed concern at the deteriorating security, humanitarian, and human rights situation in the Central African Republic (CAR), characterized by intense and devastating religious and communal violence.According to an Executive Mansion release quoting a dispatch from Addis Ababa, the Liberian Government, in a Statement issued Friday, January 31, at the ongoing 22nd African Union Summit in Ethiopia, asserts that the current state of peace and security in the CAR is a cause for concern and should therefore trigger concerted, robust, and expeditious actions by the international community, with the aim to restoring the country on the path of peace, stability and democracy at the soonest.The Liberian Government welcomes the recent election of Her Excellency Catherine Samba-Panza as Interim President of the Central African Republic, and the United Nations Security Council Resolution 2127 (2013) authorizing the deployment of the African-led International Support Mission in the Central African Republic (MISCA), which in December 2013 assumed authority over the ECCAS Peace and Consolidation Mission in CAR (MICOPX).The GOL Statement said that in spite of these laudable developments, it is of the view that the persistent climate of violence and instability requires a stronger and more robust international peacekeeping presence in the CAR. The GOL supports the recent decision emanating from a meeting of the Peace and Security Council of the African Union (AU), held on January 29, 2014, endorsing the transformation of MISCA into a multi-dimensional peacekeeping mission under the aegis of the United Nations.Liberia believes that such transformation represents the most viable means of securing political stability and dealing with the complex and urgent situation in the Central African Republic.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)last_img read more

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Veteran engineer Walter Willis dies

first_imgTechnical Engineer for the Public Infrastructure Ministry Walter Willis died on Monday evening at the St Joseph Mercy Hospital.Willis was admitted to the Hospital on Saturday, July 9, 2016 following a reported heart attack and was placed on life-support on Monday July, 11, 2016.Early on Monday, news spread that Willis had passed away, It was later confirmed that Willis was alive but in a coma, in the Intensive Care Unit of a city hospital.Relatives of Willis were alleging that he would not have been in a coma if the wrong medication was not administered to him. According to relatives, Willis went to the hospital complaining of chest pain and was given insulin. A relative contended that shortly afterwards he was pronounced dead by the doctor. However, another doctor checked him and found that his heart was still beating and, as such, placed him on life support.His death was confirmed by a statement issued by the St. Joseph Mercy Hospital on Monday night. According to the Hospital Willis was admitted on Saturday, July 9, 2016 where “protocols were followed upon his admission. His condition deteriorated and he was treated for multi-organ dysfunction. Regrettably, Mr Willis passed on the evening of Monday, July 11, 2016…St Joseph Mercy Hospital would like to extend deepest condolences to the family of Mr. Willis.”The Hospital said further that it “has embarked on an investigation to ensure that all clinical guidelines were adhered to in keeping with Standard Operating Procedures.”The Ministry of Public Infrastructure issued a statement of condolences to his family. In the statement the Ministry said “it is with the deepest regret that the Ministry of Public Infrastructure announces the passing of Mr. Walter Joseph Willis, Technical Adviser to Minister David Patterson, following a period of brief illness.”According to the statement by the Ministry “Mr Willis was born on July 23, 1949 and was employed with the ministry for 17 years. Upon his commencement of service on May 3, 1999, Mr Willis served as the Technical Adviser for Minister of Transport and Hydraulics, Anthony Xavier, under the Ministry of Public Works and Communication. Mr Willis also served as Technical Adviser to Minister Harry Narine Nawbatt and Minister Robeson Benn before working alongside Minister Patterson from May 2015.”The Ministry continued that “Outside his position as Technical Adviser, Mr Willis held several positions, including that of the Chairman of the National Drainage and Irrigation Authority; Project Manager of the Solid Waste Management Programme; and Project Engineer for the Caribbean Development Bank Third Road Project (Ruimveldt to Providence). Mr Willis was also involved in a number of key developmental projects, including the construction of the Providence Stadium, where he served as the Project Manager.“Mr Willis will be remembered by all as a dedicated worker who went above and beyond to ensure the proper execution of all projects under his remit. He was always willing to offer advice and worked meticulously. He was also fondly known to all as a stickler for protocol and could be seen traversing even the hallways of the Ministry with a safety vest on” the statement said.According to the Public Infrastructure Ministry “up to last Friday, Mr Willis led a team on a site visit to the Cheddi Jagan International Airport Expansion Project. He will be sorely missed… Ministers of Public Infrastructure, David Patterson and Annette Ferguson, along with the staff of the Ministry, wish to extend their heartfelt condolences to the Willis family.”Mr Willis leaves to mourn his wife, Dolly; three children, Christopher, Sonia, and Sandra; and three grandchildren.last_img read more

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City wants residents’ opinion on snow removal

first_imgThe City wants your input on snow removal in Fort St. John.In November, City Councilors discussed the City’s snow removal policy. Councilors voted to support the snow policy, which can be found by clicking here. But they also advised staff to review the snow removal procedures with a special Task Force.- Advertisement -So now, residents have the opportunity to voice constructive criticism on the city’s snow removal initiatives. All comments, concerns and suggestions from the public can be forwarded to snowpolicy@fortstjohn.ca The City will not be able to reply to the comments, but will include all the submitted information in its policy review. Advertisement However, residents are advised that the email will not accept specific complaints. To report a specific snow-removal complaint, call 250-787-8173.last_img read more

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DONEGAL CAMERATA AT CONWAL TODAY

first_imgEase into the “season of mists and mellow fruitfulness” with The Donegal Chamber Music Society as it presents a series of recitals at Conwal Parish Church in Letterkenny today.The first of the recitals of the new season takes place at 3pm with the Donegal Camerata String Quintet.  DONEGAL CAMERATA AT CONWAL TODAY was last modified: September 28th, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

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Arsenal trio left out of Unai Emery’s tour squad

first_img RANKED Top nine Premier League free transfers of the decade Emery has left several players out of his tour squad moving on Where every Premier League club needs to strengthen in January LATEST TRANSFER NEWS LIVING THE DREAM Lucas Perez is the surprise inclusion in the 25-man squad. The striker fell out of favour under Arsene Wenger but reported early for pre-season to impress new boss Emery.However, for the omitted quintet, their Arsenal future looks bleak as they appear not to be part of Emery’s plans.New signings Bernd Leno, Matteo Guendouzi and Sokratis Papastathopoulos join the squad while Lucas Torreira and Stephan Lichtsteiner have been given extended breaks after reaching the latter stages of the World Cup. REVEALED Arsenal transfer news LIVE: Ndidi bid, targets named, Ozil is ‘skiving little git’ Tony Cascarino backs Everton to sign two strikers for Carlo Ancelotti targets center_img LATEST Arsenal boss Unai Emery has not included Carl Jenkinson, Chuba Akpom, Jeff-Reine Adelaide, Joel Campbell or Krystian Bielik in his pre-season tour squad.The Gunners travel to Singapore where they will play friendlies against Atletico Madrid and Paris Saint-Germain in the International Champions Cup. The biggest market value losers in 2019, including Bale and ex-Liverpool star 🚨 TOUR SQUAD ANNOUNCEMENT 🚨 Full story ahead of the #AFCTour2018 👉 https://t.co/dNBtsbOaeR pic.twitter.com/mRbGbM5g6L— Arsenal FC (@Arsenal) July 20, 2018Several World Cup stars remain on holiday but Mesut Ozil travels after Germany suffered a shock group-stage elimination in Russia.Here is the full squad:Cech, Leno, Martinez, Bellerin, Kolasinac, Chambers, Holding, Mustafi, Sokratis, Mavropanos, Osei-Tutu, Elneny, Maitland-Niles, Guendozi, Nelson, Smith Rowe, Willock, Ramsey, Mkhitaryan, Ozil, Iwobi, Nketiah, Perez, Lacazette, Aubameyang targets Cavani ‘agrees’ to join new club and will complete free transfer next summer IN DEMAND Man United joined by three other clubs in race for Erling Haaland Kevin De Bruyne ‘loves Man City and wants to keep winning’, reveals father 1last_img read more

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Moms get option for their newborns

first_imgVALENCIA – The contrast is stark – one baby is placed snuggly in the arms of a hospital nurse, the other left to die in a trash bin in a downtown alley. Both birth mothers didn’t keep their newborns for one reason or another. Yet one left her baby boy safe Saturday at Henry Mayo Newhall Memorial Hospital, the third infant dropped off at the Valencia emergency room since 2001, when the state’s Safely Surrendered Baby Law was approved. Eight babies have been safely surrendered so far this year countywide. “We always feel like we saved a life,” hospital spokeswoman Andie Bogdan said Tuesday. “And we get that double feeling when adoptions occur – that’s the second really nice thing that happens.” AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBlues bury Kings early with four first-period goals Social workers, Bogdan said, described the newborn as “healthy and beautiful.” The Los Angeles County Department of Children and Family Services immediately coordinated the adoption of the tiny boy. “This case just shows that parents in dire situations have an option that saves the life of their child,” Evelyn V. Martinez, executive director of First 5 LA, a child advocacy group, said in a prepared statement. “We need to spread the word that there is an alternative to abandonment. The more the community knows about it, the more lives will be saved.” Under the safe surrender law, parents can give up their newborn infants at hospitals or county fire stations within the first 72 hours of birth without facing criminal prosecution for child endangerment. Information about the birth parents is confidential, under the law, which also provides for medical care for mother and child. Mothers are issued hospital bracelets that match the infants and can use them within three days to reclaim their child. The law was approved in hopes of giving desperate birth mothers an option to abandoning their babies to die. So far this year in the county, three dead infants have been found, one left in a trash bin in October outside a popular hangout near the University of Southern California. The birth mother, former USC student Holly Ashcraft, faces charges of murder and child abuse. In September 2004, a mother dropped her baby off at county Fire Station 123 in Santa Clarita’s rustic Sand Canyon. Firefighters and paramedics were touched by the woman’s decision and in awe of their tiny charge. That little boy was taken to Newhall Memorial and adopted within three days by a woman who had been waiting four years to adopt a baby, a nurse at the hospital said. Information about sites in the county where babies can be safety surrendered is available by calling (877) 725-5111 or by logging on to www.babysafela.org. Patricia Farrell Aidem, (661) 257-5251 pat.aidem@dailynews.com160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

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South African men pledge to stand up against abuse

first_img24 November 2015She was encouraged by the growing number of men who were getting involved in the fight against the abuse of women and children, said the Minister in the Presidency responsible for Women, Susan Shabangu, speaking at an International Men’s Day event in Soshanguve, Tshwane on 21 November.Bishop @PeMkhize attending International Men’s Day programme with Minister Susan Shabangu pic.twitter.com/lpGjBqmF8q— Faith Center Malvern (@FaithCenterJhb) November 19, 2015The minister, along with First Lady Tobeka Zuma, urged men to get involved in the 16 Days of Activism campaign and create a culture in which women and children were protected and could feel safe.International Men’s Day is an annual event observed in November. It is designed to focus on men’s health, improving gender relations, promoting gender equality and highlighting positive male role models. It is also an opportunity for men to celebrate their contributions to the community, family, marriage and child care.Our bishop @PeMkhize with some of SA Men on the year nominees and Minister Susan Shabangu pic.twitter.com/4elEAIlFn5— Faith Center Malvern (@FaithCenterJhb) November 19, 2015Shabangu said while men were primarily looked up to as the nurturers of boys, women should also be involved. Both parents had the responsibility of raising children.Zuma said men must be part of the solution to end the abuse of women and children. “Not reporting abuse means you are part of the problem,” she said. The first lady also called on fathers to spend more time talking to their sons about gender violence and teaching them to respect women. “Fathers should not only spend time reading newspapers. They should give themselves time to spend with the boy child. Real men don’t abuse.”Men who attended the event said that they were determined to work together with women to fight against gender violence as well as play their part in encouraging others to do the same.Ephraim Baloyi, who attended, said he was positive about the role women played in society, and that they should, along with children, be protected at all costs. “Men,” Baloyi said, “are supposed to love and take care of their families. They should not abuse their children. Men who abuse their wives and children should be locked up in jail.”The minister also called on police officers to take the plight of men who were being abused just as seriously as that of women and children. “We are all human beings. We all feel the pain, and we all must be protected,” she said.The International Men’s Day celebration and awareness campaign is part of the South African government’s theme for #16Days, #CountMeIn: Together Moving a Non-Violent South Africa Forward.Source: South African Government News Agencylast_img read more

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Dell gumshoes your unsafe enterprise security practices

first_imgThis survey uncovered a general lack of caution around sensitive corporate information. Acting as individuals, employees indicated they would take security shortcuts it if meant helping them do their job or if they felt the risk was worth the benefit of doing so.This doesn’t mean that individuals are intentionally handing out corporate data for any malicious purpose. Rather, they are just trying to do their jobs more efficiently. Strict security procedures are often seen as a hindrance to efficiency.A lot of unsafe practicesThis data sharing isn’t just limited to direct sharing of corporate data. It also occurs in the form of unsafe practices. 45% of respondents admitted that they engage in practices most companies would forbid.For example, 46% of these individuals indicated that they have connected to public Wi-Fi to access confidential information. Even with precautions like a VPN or secured remote access in place, connecting to publicly accessible Wi-Fi networks pose an increased risk.Another 49% of these respondents shared that they use personal email accounts for work. This particular type of breach has made headlines in recent years as several high-profile United States government employees were discovered to have been conducting sensitive information on private email servers.In January, security analysts were shocked to discover that the official Twitter account of the President of the United States was secured with a Gmail email account.This survey shed light on how easy it is for well-meaning employees to play fast-and-loose with their company’s security policies. One can only hope that surveys like this one help IT professionals and business leaders research better ways of implementing these protocols – and of encouraging their employees to follow them. Follow the Puck Internet of Things Makes it Easier to Steal You… Ryan Matthew Pierson What it Takes to Build a Highly Secure FinTech … Dell recently conducted a survey involving 2,608 global professionals working for companies in the enterprise sector with 250 or more employees. The results of this survey are no less than shocking and should be of interest to any business that deals with secure private or corporate information.These days, we trust corporations with our most private information. We trust Google to keep our search queries safe, prevent unwanted individuals from reading our email, and in some cases even to protect data that is essential to the daily operation of our businesses. We share our health information with cloud-based services that track our food and heart rate, our financial data with e-commerce sites, and so much more.Phishing employees for company informationThis security of our data is only as strong as the security of the company information to whom we trust that data. Quite often, large data breaches and other leaks of private data comes about as the result of phishing exhibitions from the outside. Hackers and other malicious individuals conning employees to share company information that helps them to infiltrate their networks.Verizon released a report last year detailing how big of a threat phishing attempts are to enterprise security. Phishing is a type of social engineering in which someone talks someone else into giving up information they shouldn’t.See also: Will these Chinese satellites provide hackproof data security?One way would be to call up a phone company and pretend to be a technician requesting data in the field. An unsuspecting employee might consider the request routine, handing over the information without much thought. That data, depending on its level of sensitivity, could then be used to gain access to even more sensitive information.Another common practice is to send email to employees with links to spoof sites that fool them into filling out information that would normally be protected. As long as the site appears genuine, the employee may not even notice they’ve shared anything they shouldn’t have.What Dell’s digging discoveredIn Dell’s End-user Security Survey, 72% of employees stated they are willing to share sensitive, confidential or regulated company information under certain circumstances. These circumstances in which this information would be shared varied.Among the 72% of employees that said they would share information, the reasons they gave for doing so included…being directed to do so by management (43%)sharing with a person authorized to receive it (37%)the risk is very low and the benefit high (23%)it will help them do their job more effectively (22%)it will help the recipient do their job more effectively (13%) Tags:#data security#dell#Internet of Things#IoT Related Posts Why IoT Apps are Eating Device Interfaceslast_img read more

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Social Security “Need to Knows”

first_imgBy Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduSocial Security is the cornerstone of retirement income for most working Americans, including service members and their spouses. It is a valuable base to build upon, along with a pension, tax-deferred employer savings plan (e.g., TSP), IRAs, and other savings, and acts like an annuity because benefits are payable for life.Photo by Pedro Ribeiro Simões. CC BY 2.0.It is important to understand how Social Security works, how future benefits are calculated, and how to claim benefits in later life. Below are 10 key “need to knows” for workers and their financial advisors:Delayed Retirement Credits- The increase in Social Security benefits by a certain percentage (depending upon date of birth) if you delay your retirement beyond full retirement age. The benefit increase ceases when you reach age 70, even if you continue to delay taking benefits. For workers born in 1943 or later, the annual rate of benefit increase is 8% or two-thirds of 1% per month.Full Retirement Age (FRA)- The age at which workers receive full (unreduced) benefits. FRA has been gradually increasing and is currently age 66 for workers born through 1954, 66 plus at least a two-month increment (e.g., 2, 4, 6, 8, and 10 months) for workers born from 1955-1959, and age 67 for workers born in 1960 and later.Primary Insurance Amount (PIA)- The monthly benefit payment at FRA calculated by converting previous earnings into today’s dollars (35 years with highest indexed earnings), dividing indexed earnings by 420 to get the Average Indexed Monthly Earnings (AIME), and applying the Social Security benefit formula.Reduced (Early) Retirement Benefit- The reduced benefit that someone receives by claiming Social Security before full retirement age (FRA). Workers with a FRA of 67 receive 70% of benefits by claiming at age 62 and 86.7% of benefits if claiming at age 65.Social Security Benefit Estimate- A written report that provides a projection of Social Security retirement benefits at ages 62, full retirement age, and age 70, as well as estimated Social Security disability benefits, survivor benefits, and a summary of annual earnings. Workers can access a benefit estimate report online at www.ssa.gov/myaccount.Social Security Claiming Date- The date that someone decides to start collecting Social Security benefits. It is typically an age between 62 (early retirement) and 70 (end of delayed retirement credits). A claiming date decision is typically based on a number of individual factors including employment status, earnings and income level, marital status, lifestyle preferences (e.g., work vs. leisure), health status, and estimated life expectancy.Social Security Claiming Date for Married Couples- This refers to the strategic coordination of Social Security benefit claiming dates by married couples to earn the highest possible combined benefit. In general, the lower-earning spouse would start benefits early and the higher earning spouse would delay benefits as long as possible.Social Security Earnings Limit- If you begin receiving benefits early (before FRA), and earn more than $15,720 (2016 figure) before the year of your FRA (e,g., age 66), your benefit will be reduced by $1 for every $2 over the $15,720 limit. For example, if your earnings are $19,720 ($4,000 over the annual limit), the benefit amount would be reduced by $2,000 for the year. A special earnings limit rule applies for the year that workers reach their FRA.Social Security Spousal Benefits- The benefits that someone receives based on the earnings record of a spouse or ex-spouse. Divorced individuals are entitled to spousal benefits if their marriage lasted at least 10 years before divorcing and they are not remarried.Social Security Taxation– Up to 85% of Social Security benefits may be taxed. Single taxpayers must pay federal income taxes on benefits when they have an income of more than $25,000. Married Social Security recipients must pay taxes on benefits if they file a joint tax return with their spouse and their combined income exceeds $32,000.last_img read more

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