
6 Months After LA Wildfires, Recreational Vehicles Is One Way Victims Are Coping
Terry Kilgore lives alone in his Altadena neighborhood in California, sleeping in a recreational vehicle and surrounded by empty lots that were once the site of family homes.
In January, those homes were burned to the ground.
Six months after the wildfires that devastated the eastern and western flanks of Los Angeles, Kilgore's RV solution is one way victims are coping as the arduous rebuilding effort goes on.
"You would never know it but it was pretty here. It's never going to be pretty like it was," said Kilgore, 70, a rock 'n' roll guitarist and lifelong Altadena resident. "The place I grew up in is gone forever. It's a memory."
The fires broke out on January 7, when dry desert winds whipped over mountain passes with hurricane force, following eight months without rain. The Eaton Fire, in Los Angeles County just east of the city, devastated the community of Altadena, while the Palisades Fire leveled much of the coastal Pacific Palisades district.
The fires killed 22 people, destroyed nearly 12,000 homes and caused as much as $53.8 billion in property damage, according to a report by the Los Angeles County Economic Development Corporation.
While many homeowners complain about delays, L.A. city and county officials say rebuilding progress has exceeded initial expectations. About 75% of the 4,398 residential lots destroyed or severely damaged in the city of Los Angeles have been cleared of debris and are certified for rebuilding, according to a spokesperson for Mayor Karen Bass.
In Altadena, in the foothills of the San Gabriel Mountains, there are still a few burnt-out and boarded-up businesses. Some are strewn with rubble. But most of the residential lots are cleared and free of char.
One source of Altadena's charm - its proximity to nature - also made it vulnerable to wildfire. Black and Latino families have lived in Altadena for generations and the suburb is also popular with younger artists and engineers working at the nearby NASA rocket lab who were attracted by the small-town vibe and spectacular mountain views.
Now the town is dotted with signs of "Altadena is not for sale," reflecting concerns that speculators and developers may turn what had been rows of neat bungalows into gaudy cash cows.
Kilgore's RV is parked within a sea of razed lots and the occasional home that is still standing but vacant due to smoke damage. Many homeowners are crashing with friends and family, or renting during the rebuild, but others, like Kilgore, have chosen to live on their properties in RVs.
Jose Luis Martinez, 71, a retired electrician born in El Salvador, had been in his home 38 years when it burned down. Uninsured like Kilgore, and living on Social Security, he has no long-term plan but decided to hold onto the property and camp in an RV.
Others received insurance payments. Retired pastor Edwin Isaacs, 64, paid off his mortgage and is happy to live on his property condition-free in an RV, while Marialyce Pedersen has parked a trailer on her property while she rebuilds.
"I was 61 years old and ready to retire and enjoy my pool and my life. I love that my land is still here," she said. "Here it feels familiar, like the right place for my body to be."
Kilgore, who once played with former Van Halen frontman David Lee Roth, says he lost some of his best guitars in the fire, including a 1953 Fender Telecaster and a 1904 Parlor, along with an estimated $120,000 in equipment from his home studio. He said he saved five guitars that he grabbed on his way out the door to evacuate.
He once lived in a comfortable home with a high ceiling and tree-filled yard. Now he sweats inside a Bounder RV and washes and shaves with cold hose water in an outdoor basin. His main goal, he said, is to re-record all his original music that was lost in the fire.
"That's probably what's left for me to do," Kilgore said. "I could die after that, for all I care. I've seen enough of this monkey show, I'm telling you."
(Except for the headline, this story has not been edited by NDTV staff and is published from a syndicated feed.)
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Time of India
a day ago
- Time of India
What really happens to your social security check after your spouse dies — here's the shocking truth
When a spouse passes away, the grief is immediate—but the financial ripple effects can be long-lasting. For millions of American retirees, Social Security isn't just a monthly deposit, it's the backbone of household income. Understanding exactly how survivor benefits work can make the difference between financial stability and a sudden, painful shortfall. When a spouse dies, the grief is overwhelming — and then, just as the fog settles, financial reality strikes. One of the most pressing questions for retirees is: What happens to our Social Security benefits now? The answer isn't simple, but it's critical for every couple to understand long before tragedy strikes. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Experts Warn If You See This Bug In Your Yard, Do This Quickly Survivor benefits: Who qualifies and when Social Security survivor benefits aren't automatic. They follow a detailed set of rules. According to the Social Security Administration (SSA) , a surviving spouse may be eligible if: They are 60 or older (or 50 if disabled). They are caring for a child under 16 or a disabled child. The marriage lasted at least nine months , with some exceptions for accidental or military deaths. Divorced spouses may also qualify if the marriage lasted at least 10 years. Remarriage can complicate things: if you remarry before age 60, you generally lose eligibility, but remarriage after 60 (or 50 if disabled) does not disqualify you. Live Events ALSO READ: IRS reportedly says $1,390 stimulus checks for eligible Americans are on the way: here are all the details This distinction is often misunderstood. I once interviewed a widow in Florida who had unknowingly remarried at 59, only to discover she had forfeited her survivor benefit — a decision that cost her more than $200,000 in lifetime payments . How much of your spouse's benefit can you keep? Here's where the financial shock sets in. You don't keep both checks. You'll receive the higher of the two benefits, but never both at once. At full retirement age (FRA) , you can receive 100% of your late spouse's benefit . If you claim between age 60 and FRA , you'll receive 71.5% to 99% of that amount. If you're caring for a child under 16 or disabled , you'll receive 75% regardless of your age. This means the surviving spouse effectively loses one paycheck — often the smaller one, but sometimes a critical chunk of household income. ALSO READ: Social Security August 20 retirees checks: Who qualifies, how much SSA will pay, complete details explained Consider this example, provided by the National Academy of Social Insurance (2024) : If one spouse earned $1,200 monthly and the other $600 , the household received $1,800. After one spouse dies, the survivor receives $1,200 — a 33% drop in income overnight. If both earned around the same ($1,200 each), the surviving spouse still keeps only $1,200 — cutting household income in half. For many retirees, this is where financial strain begins. The overlooked "widow's penalty" Financial planners call it the 'widow's penalty' — the trap where income falls but taxes don't shrink proportionally. When one spouse dies, the survivor often moves from a married filing jointly bracket to a single filer bracket , which carries higher tax rates at lower income thresholds. In practice, this means that a widow who once paid 12% on combined income may suddenly find herself paying 22% or more on the survivor benefit , even though her income is now lower. According to a 2023 Congressional Budget Office report, the median surviving spouse sees a 25%–30% drop in disposable income within the first year. The $255 lump-sum death benefit It sounds almost insulting, but it's part of the rules: the SSA provides a one-time $255 payment to the surviving spouse (if they lived with the deceased or were already receiving benefits). This benefit was set in 1954 — and has never been adjusted for inflation. At today's cost of living, it barely covers a utility bill. Real-life implications: Why planning matters Many couples mistakenly assume that between two Social Security checks and savings, they'll be fine. But the loss of one benefit check — combined with higher taxes, rising medical costs, and inflation — can quickly destabilize a household. When I spoke with financial advisor Jane Bryant Quinn , she emphasized that survivor benefits are one of the least understood parts of retirement planning. 'Couples think about how much they'll get together, but rarely about what happens when one is gone,' she said. 'That's where the gaps appear, and where hardship begins.' Planning strategies include: Delaying the higher earner's benefit until age 70, so the surviving spouse inherits a larger monthly payment. Diversifying retirement income through annuities, pensions, or investments to avoid overreliance on Social Security. Reviewing tax strategy in advance, since single-filer penalties can erode survivor benefits. Key takeaways for retired couples You don't keep both benefits — the survivor keeps the larger of the two. Survivor benefits vary by age — 71.5% to 100% of your spouse's amount. The widow's penalty is real — lower income but potentially higher taxes. Plan in advance — delaying benefits and diversifying income can protect the survivor. Don't rely on the $255 payment — it's symbolic, not a safety net. When a spouse dies, Social Security can be both a lifeline and a rude awakening. Survivor benefits help, but they rarely replace the stability of two checks. Every couple should sit down before retirement and run the numbers — not just for the years they'll share, but for the years when one may have to face the bills alone. FAQs: Q1: What happens to Social Security when a spouse dies? The surviving spouse keeps only the higher benefit, not both checks. Q2: Who qualifies for Social Security survivor benefits? A spouse age 60 or older, age 50 if disabled, or any age if caring for a child under 16. Q3: How much of my late spouse's Social Security can I get? You can receive 71.5% to 100% of your spouse's benefit, depending on your age when you claim. Q4: What is the widow's penalty in Social Security? It's when income drops after a spouse dies, but taxes often rise because you file as single. Q5: Does Social Security give a death benefit? Yes, there's a one-time $255 payment, but it hasn't changed since 1954 and offers little help today.


Time of India
12-08-2025
- Time of India
NYC students' English and math test scores climb, yet deep academic divides persist unchanged
Pic credit: Gemini New York City's latest standardized test results reveal a paradox that has long haunted its education system: Performance is climbing, yet the gulf between its highest and lowest achievers remains entrenched. In state assessments for Grades 3 through 8, more than half of city students now meet proficiency standards in both English Language Arts and mathematics. This marks a clear improvement from last year, with reading scores up more than seven percentage points and math gaining over three. Early grades saw the most striking jumps, signalling that targeted interventions such as phonics-heavy literacy programmes and revamped math instruction may be taking hold. But beneath the headlines of progress lies a more troubling reality: Over 40% of the city's students still fail to meet minimum benchmarks. These are not isolated shortcomings but systemic failures that mirror the city's deepest socioeconomic divides. Billions spent, inequity intact New York City's public schools operate on an education budget surpassing $41 billion, the largest in the nation, and the state spends an eye-watering $36,293 per pupil. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Thane Users Prefers Toothsi Aligners Toothsi by MakeO Book Now Undo Yet, despite these resources, performance gaps between racial and ethnic groups remain as stark as ever. Asian and white students continue to dominate proficiency charts, with well over seven in ten meeting standards in both reading and math. Black and Hispanic students, by contrast, hover around the low 40s in both subjects. These disparities have proved stubborn over decades, surviving waves of reforms, leadership changes, and policy resets. The roots of the divide The persistence of the gap cannot be pinned on a single cause. It is the result of an interconnected web of factors: Socioeconomic barriers limit access to early childhood education, private tutoring, and enrichment opportunities. School-to-school disparities in resources, teacher experience, and extracurricular offerings. Neighbourhood effects, where housing instability, community violence, and limited access to public libraries or learning spaces hinder academic focus. Curricular consistency, where even new citywide programmes may not be implemented with equal rigour in every borough. While citywide averages improve, students in under-resourced districts often remain trapped in a cycle where low expectations, high turnover, and fractured support systems stunt progress. Why progress feels hollow The rise in proficiency rates is, on paper, a step forward. But the very metrics used to measure that progress have shifted. Lower cut-off scores in recent years have made it easier for students to pass, raising questions about whether the gains reflect genuine mastery or statistical inflation. Without a clear, consistent benchmark over time, it is difficult to know if the city's students are truly catching up or if the bar has simply been lowered. National comparisons add another layer of concern. On the Nation's Report Card, which evaluates students across the United States, two-thirds of New York City's fourth graders are not proficient in reading or math. This gap between local optimism and national reality raises the possibility that improvement is less a victory lap and more a temporary reprieve from sobering truths. The unfinished work ahead Closing the achievement gap will require more than curriculum changes and annual budget increases. It demands a relentless focus on equity, ensuring that every student, regardless of zip code, receives the same quality of instruction, access to resources, and cultural investment in their success. As long as nearly half of the city's students remain below proficiency, the gains will feel incomplete. And as long as the gulf between the highest and lowest performers yawns as wide as it does today, New York's public school system will continue to face the same fundamental question: How can a city with unmatched resources still leave so many children behind? Ready to navigate global policies? Secure your overseas future. Get expert guidance now!


Time of India
07-08-2025
- Time of India
Sturgeon Moon 2025: When and where to watch the rare 2- night full Moon and why is it special
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