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What would it take to save million for retirement? Right now, more people than ever are 401k millionaires.Financial adviser Jonathan Duong says saving million is not as impossible as it may seem."A million dollars is very achievable for folks who aren't necessarily making really large six-figure incomes," Duong says.   The average 401k millionaire has been contributing to their retirement fund for over 30 years, according to MarketWatch.  So, how do you get to million in your 401k? Duong says there are a few easy ways.   First, defer over 10 percent of your paycheck to your 401k. Fidelity Investments says it might seem like a lot, but in the end, it should leave you with an annual income that you're use to once you retire.   Next, take advantage of your employer match."A match is free money," Duong says.   MarketWatch found 28 percent of the contributions to the average 401k millionaire's account came from their employer.   "Additional things you can do is working a little bit longer and delaying social security," suggests Duong.   Delaying Social Security until you’re in your 70's will allow you to get more money opposed to taking it sooner.   “It’s fairly good to say that if you've got 25 to 30 times your annual living expenses saved up, you might be in a position to retire, but there are a lot of other details that go into it," Duong explains.   There's no rule of thumb for how much everyone should save, Duong says. It all depends on your living expenses and how much it takes for you to live comfortably.   "In my mind, the ability to start today is really a reality for most people it's never too late," Duong says. 1756

While many hair salon and gym owners across the country understood why they had to shut down during the pandemic, those closures created a financial hardship. A hardship that some are finding difficult to overcome."Economically, it's been devastating to us. We opened up our gym three years ago and sort of like a little miracle. We took over an existing gym that was probably not fitting the community. We came in there with our life savings, we opened up this beautiful gym and we were becoming very successful," said John Pena, the owner of GYM NYC in New York City.Pena says their business was shut down for nearly six months. Now, he's finally excited to reopen. Pena applied for and received money from the Paycheck Protection Program but it only did so much. "There is no income coming in from the business, obviously. The extra 0 on the unemployment has really been a big help but that’s going away. I’ve been able to pay my bills and that's it," said Pena. Pena and other gym owners in New York are hoping for more government help for small businesses to help them get back on their feet."In general, I think there is a set of overhead expenses that I’m sure owners in any industry would tell you play a huge factor. Rent, utilities, payroll, insurance etc., and those are fixed costs that you sort of wonder whether they’ll be any concessions made," said Elvira Yambot, COO of Tone House.In Tennessee, the Shelby County Commission is offering small brick and mortar businesses ,000 each as part of the Beautiful Comeback Grant. "It applies to any business that is in the personal care contact industry. So right off the bat you'd think of barber shops, beauty salons, nail salons but you also think about people who work in the massage industry, as well," said Shelby County Commissioner Mickell Lowery.Gyms also qualify, along with any other business where close physical contact with clients is required."Even when they’re allowed to open they still have to incur additional costs because now they have to open under certain stipulations. You have to have either have PPE which we all have to have now, you have to have that, that's a cost you might have to have, disposable capes and that nature, maybe plexiglass between you and a client, things of that nature depending what type of work you’re doing," said Lowery. Commissioner Lowery hopes other local governments across the country are also able to give something back to small businesses."If you're going to tell businesses to shut down, you have to give me something back so I don't starve," says Pena. For Pena, he's concerned that not helping businesses reopen could have a devastating economic impact. "The quicker we can get back on our feet, the quicker we can get back and people can start walking around and feeling confident, because not making any money, not being able to feed your family is far worse than this coronavirus," said Pena. 2929

When you go out to eat or visit the grocery store, you’ll probably spot an employee wiping down tables or spraying carts with disinfectant. These sanitizers can kill the novel coronavirus, but doctors warn some can also cause chemical burns and allergic reactions on your skin.“Depending on the strength of these disinfectants, they can cause damage to the skin. They can react like a burn would, which can appear with significant redness or swelling to the skin,” said Dr. Frederick Davis, who works in the emergency department at the Long Island Jewish Medical Center.One Florida family believes their baby got a chemical burn after sitting in a Walmart cart sprayed with disinfectant.Davis said alcohol, bleach and ammonia, often used in commercial sanitizers, can create that reaction.“A lot of these cases, unfortunately, happen because people think it’s a disinfectant, it kills bacteria and viruses, it’s safe to apply to the skin, but it definitely isn’t,” he said.Environmental Biology Professor at the University of Arizona Dr. Charles Gerba said commercial disinfectant can be harmful to skin until it dries completely.“You don’t want to put the child down in the seat if it’s wet with disinfectant,” warned Gerba.Parents should dry carts or any surface covered in disinfectant before letting kids touch them, but experts caution, disinfectants may not work properly if they cannot dry on their own.So, to keep your kids safe and kill the germs, Dr. Gerba recommends placing a towel down in the cart or using a baby wipe to remove harsh chemicals that can build up over time.“That’s one of my concerns,” said Gerba. “You keep adding these chemical disinfectants on every single day, they’re subject to misuse, like not drying enough, so you might get some exposure,” he said.Because of these dangers, Dr. Gerba is experimenting with a replacement for commercial grade sanitizers with a company called Allied Bioscience. It’s a spray coating that sticks to any surface, even touch screens, and kills bacteria and viruses for months at a time.“It’s the same principle as odor eater socks,” said Gerba. “The reason the socks didn’t smell is it killed the bacteria that caused the odors,” he explained.Michael Ruley is the CEO of Allied Bioscience and said he hopes this coating will make its way onto airplanes, into schools and grocery stores soon. “With this coating going down, it gets ahead of the threat and is proactive instead of reactive,” Ruley said.This new technology is still getting approved by the EPA, but studies show it can fight the coronavirus.“They killed the coronavirus pretty well, like 99 percent or more, within a few minutes sometimes,” Gerba said.This product needs to be applied once every 90 days to remain effective, which would lift much of the workload off employees to clean places.“That’s the whole goal is to get people back feeling comfortable in the environment and be able to go out and enjoy their environment,” said Ruley.But until the frequent sanitizing ends, Dr. Gerba warns just because a surface is clean, doesn’t mean it’s safe for you or your kids to touch. He said the best way to protect your skin is to immediately wash your hands after touching anything that’s been sanitized. 3243

When I told friends that my wife and I were heading to Johannesburg -- which had just been hit by torrential rain and flooding — for a family wedding over Easter, they joked about how lucky we were to be able to take deep baths and long showers.Like many Capetonians, we've endured months of quick 90-second showers, bucket washes or baths that are only centimeters deep and grey water to flush the toilet or water our parched garden. 447

When it comes to Olympic tickets, the Latin expression “caveat emptor” often applies: “Let the buyer beware.”The unprecedented postponement of the Tokyo Olympics has left buyers of millions of tickets in a quandary. Will the games happen next year? Will non-Japanese fans be allowed? Will there be any fans? How will health and travel restrictions be applied? Will there be a vaccine and quarantines?Tokyo organizers and the International Olympic Committee say the games will open on July 23, 2021, and the competition schedule remains virtually unchanged. But they’ve offered few details, and specifics aren’t expected until the fall and into next year as the COVID-19 pandemic evolves.“We have some people saying there is no way Tokyo 2020 is happening, and other people are saying it’s absolutely going to happen and ‘I’m going to be there for every moment of it,’” said Ken Hanscom, the chief operating officer of the Los Angeles-based firm TicketManager.Hanscom isn’t connected with Olympic ticketing, but his company manages big-event tickets for corporate clients. He’s also organized a popular Facebook page that’s a go-to for Tokyo ticket information.Olympic ticketing is always confusing, a maze of interests including official ticket resellers, national Olympic committees and sports federations, sponsors and advertisers, and local organizers and the IOC.Invariably at every Olympics, an event is listed as “sold out” although the venue is half-filled because some VIPs or hospitality guests haven’t shown up.Four years ago in Rio de Janeiro, IOC member Patrick Hickey of Ireland was arrested for scalping tickets. He has maintained his innocence. Japan has passed an anti-scalping law specifically because of the games, though it has several loopholes.The Chinese e-commerce, data and technology company Alibaba is taking over ticketing for the 2022 Beijing Winter Olympics, and likely beyond. Alibaba owns Damai, one of China’s largest ticketing platforms, and is also an IOC sponsor.Olympic tickets for residents of Japan were sold through the local organizing committee. It says refunds for the postponement “will be carried out” no earlier than this fall. This seems straightforward.It’s more complicated for non-Japan residents.Those outside Japan purchase through so-called Authorized Ticket Resellers appointed by national Olympic committees. They can charge a 20% handling fee on tickets, and are allowed to package desirable tickets with premium hotel packages. They also set the foreign currency exchange rates.In Brazil four years ago, CoSport, the ATR for the United States, used a currency exchange rate that drove up ticket prices.There are dozens of ATRs, and they’ve applied varied terms, conditions and deadlines for seeking refunds. The largest ATRs are: CoSport/Jet Set Sports, the only ATR for the United States; Cartan, which covers much of Latin America; MATCH Hospitality for Brazil and Russia; Kingdom Sports for much of Asia and Africa; Fanatic Sports for India.Christopher Chase, an attorney based in New York who specializes in sports, intellectual property and media, looked at the “Terms and Conditions” set out by Tokyo organizers regarding ticket use. He said the “force majeure” clause was defined broadly enough to cover the pandemic and health crisis.“Force majeure” spells out unforeseeable circumstances that prevents a contract from being fulfilled.But he noted that local organizers had already committed to paying refunds for the postponement, as have many ATRs.“It’s all a bit confusing as each set of terms seem to direct to the other party’s (terms),” wrote Chase, a partner in the law firm Frankfurt Kurnit. “But it does appear that tickets refunds are possible, regardless of whether a force majeure event occurs.”Tokyo organizers say at least 70% of 7.8 million tickets were set aside for buyers in Japan. About 4.5 million tickets have been sold to Japan residents, with ticket sales expected to be worth at least 0 million to local organizers, their third largest source of income.Hanscom said the uncertainty was pushing down hotel prices in Tokyo. This is accentuated as organizers say they’ll “simplify” the Olympics and cut back on officials, hospitality and media, freeing up blocks of hotel rooms.The Associated Press emailed about a dozen ticket buyers in the United States who purchased from CoSport. Some are keeping their tickets and plan to go. Some returned tickets but still plan to go and buy later. Others canceled plans to go altogether.Andrew Pham, a commodities trader in Spokane, Washington, summed it up. He has invested ,500 in tickets and still plans to go.“I would say at this point, no one should be buying or holding any tickets that they couldn’t afford to lose,” he said.Pham said he assumes that CoSport will be unlikely to return money if the Olympics are canceled.“I couldn’t imagine that they would have the cash liquid to refund people. The terms and conditions are also quite ominous,” he said.Sharon delPilar, a stage manager in Las Vegas, is also going ahead and has spent 0 on tickets.“I’m willing to run the risk — to a certain degree,” she wrote. “Everything else I have purchased (hotel and air) has been made with the option of refunds/cancellation. I trust all efforts will be made to work things out.”Thomas Armbrustmacher, an accountant in Fowler, Michigan, said he has invested almost ,000 in tickets and is also taking a chance.“I am willing to take the risk that I will not get a ticket refund,” he wrote. “I am being cautious on what I buy from here on out though because if cancellation results in no refund, I don’t want to lose too much more money than I have already spent.”Brandon Nagata, a state employee in Honolulu, said he spent about ,400 on tickets and had returned some for a credit card refund, minus the non-refundable service fee. He returned other tickets in exchange for credit for a next-time buy. No service charge was taken out. He still plans to attend.He was critical of CoSport setting the refund deadline on July 31 — a year away from the opening. He said CoSport also did not make the deadline widely known.Lora Cesana, who works as a film and television designer in Des Moines, Iowa, returned about ,000 in tickets. She said she and her husband, who also has an Italian passport, decided this was not the right time for an Olympics. They both are former New York City residents.“We witnessed friends and family in Milan and New York go through this crisis,” she wrote. “It was clear to us that it was not the right time to travel to Japan for a large gathering such as the Olympics.”___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 6720