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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

When the delayed Tokyo Games kick-off next year, the opening and closing ceremonies will be “simpler and more restrained,” according to the organizing committee.In an announcement Tuesday, the group said they were reorganizing their staff in charge of planning the symbolic, and in recent years large-scale, productions. Hiroshi Sasaki will now head up planning the events.While making no mention of how the ceremonies’ formats will be modified, the group said they will still be a celebration and reflect the “overall simplification of the Games” while still taking into consideration the need for COVID-19 safety measures.The new productions are expected to add roughly million (US) to the cost of the opening and closing ceremonies, according to organizers.The 2020Tokyo Games were supposed to happen this summer. However, as the coronavirus spread around the world, the games were postponed in March to 2021.“We are working to deliver Opening and Closing Ceremonies that will be in tune with the situation next summer. The ceremonies will still be a great celebration to be enjoyed by the athletes and watching world but will likely take a simpler and more restrained approach designed to reflect the overall simplification of the Games and the potential need to still consider COVID-19 countermeasures,” the Tokyo Games Organizing Committee said in a statement.Sasaki is no stranger to Olympic ceremonies, he was responsible for the flag handover ceremony at the 2016 Rio de Janeiro Olympics and directed the one-year countdown event held in Tokyo this summer.“With Mr. (Hiroshi) Sasaki’s support, we will stage Opening and Closing Ceremonies that will be remembered for many years to come as symbols of the unity and symbiosis of humankind in its overcoming of the COVID-19 pandemic,” the committee stated.The Tokyo Olympics are now planned to open on July 23, 2021. 1884

White House chief of staff John Kelly will be leaving his position at the end of the year, President Donald Trump told reporters at the White House on Saturday afternoon.CNN on Friday reported that Kelly was expected to announce his departure in the coming days."John Kelly will be leaving at the end of the year," Trump told reporters before departing the White House for the Army-Navy game.Trump noted Kelly had been with him for almost two years in his roles as chief of staff and secretary of homeland security."I appreciate his service very much," Trump said.Seventeen months in, Kelly and Trump have reached a stalemate in their relationship, which is no longer seen as tenable by either of them, CNN has reported. Though Trump asked Kelly over the summer to stay on as chief of staff for two more years, the two have stopped speaking in recent days.CNN reported on Friday that Trump had been discussing a replacement plan. Potential replacements include Vice President Mike Pence's chief of staff, Nick Ayers, who is still seen as a leading contender. 1071

While public health experts have acknowledged the risk for healthy athletes when becoming infected with the coronavirus has been rather low, lingering questions have remained on if the virus causes long-term cardiac damage.Doctors from the Sports and Exercise Cardiology Section of the American College of Cardiology released some of their preliminary findings on the effect the coronavirus has on athletes’ hearts.With college football fully resuming this week with the return of the Pac-12, and college basketball slated to get underway next month, sports are beginning to return to normal amid the pandemic. While some athletes are being frequently tested for the virus, testing alone has not stopped team-wide outbreaks from occurring.Despite there being some limited evidence that the virus causes cardiac injury to athletes, researchers wrote in JAMA that heart damage alone should not be the primary reason to postpone athletic competitions amid the pandemic.“While concerns about the implications of cardiac injury attributable to COVID-19 infection deserve further study, they should not constitute a primary justification for the cancellation or postponement of sports,” the researchers wrote.“Rather than canceling sports because of unsubstantiated concerns about cardiac safety based on limited data of unestablished clinical relevance, this decision should be driven by the need to limit viral spread,” researchers added. “With uncontrolled community transmission, we share concerns with public health officials about risks of increased disease transmission attributable to the resumption of organized sports. Accordingly, the decision to proceed with or delay organized sports should be based on community disease prevalence, coupled with the availability of resources that can be responsibly allocated to identify and prevent new infections among athletes.”The researchers said that initial findings have produced only a handful of cases of cardiac injury, but stressed that more research is needed.“Reports of presumptive myocarditis among several athletes with high profiles have magnified concerns about COVID-19 CV sequelae in athletes,” the researchers wrote. “Our combined experience suggests that most athletes with COVID-19 are asymptomatic to mildly ill, and to date, (return to play) risk stratification has yielded few cases of relevant cardiac pathology. However, we underscore that these observations may not reflect the true prevalence and attendant prognosis of COVID-19 CV involvement in athletes.”As far as what players should do following their 10-day isolation period, assuming they minimal coronavirus symptoms?“We do not advocate for (cardiovascular) risk stratification among athletes who remain completely asymptomatic with prior COVID-19 infection, following completion of US Centers for Disease Control and Prevention (CDC) guided self-isolation,” the researchers wrote. “Given the current lack of published data, consideration of comprehensive screening for this population could be reasonable if it is based on research and data collection.”The Big Ten, which was among several leagues that held out on playing at the start of the football season, requires athletes to undergo cardiovascular screening following a positive coronavirus test. Part of what concerned the Big Ten initially was reports that a number of its athletes who tested positive for the virus had shown myocarditis symptoms.According to the National Institutes of Health, myocarditis is an acute injury that “leads to myocyte damage, which in turn activates the innate and humeral immune system, leading to severe inflammation.”“All COVID-19 positive student-athletes will have to undergo comprehensive cardiac testing to include labs and biomarkers, ECG, Echocardiogram and a Cardiac MRI,” the Big Ten said in a statement. “Following cardiac evaluation, student-athletes must receive clearance from a cardiologist designated by the university for the primary purpose of cardiac clearance for COVID-19 positive student-athletes. The earliest a student-athlete can return to game competition is 21 days following a COVID-19 positive diagnosis. “In addition to the medical protocols approved, the 14 Big Ten institutions will establish a cardiac registry in an effort to examine the effects on COVID-19 positive student-athletes. The registry and associated data will attempt to answer many of the unknowns regarding the cardiac manifestations in COVID-19 positive elite athletes.”To read an abstract of the research, click here. 4546

When it comes to free food, demand is up and donations are down.To help feed the hungry, volunteers have turned a school parking lot into a pantry.“That’s what's important,” said Maria Estrada with the Wyatt Academy, a charter school in Denver, Colorado.Once a week, her teams passes out free bags of food to families and to people like Marco Esparza.“I’m getting some apples and potatoes,” he said.For Esparza, these donations more than just feed his family.“With this kind of pandemic, it helps us to stay safe at home."Since COVID-19 hit, Estrada says more people are requesting food donations across the country while volunteers adjust to the new norm and practice new safety guidelines.“Things are different,” Estrada said about food donation centers. “We now have to make sure everybody is wearing gloves. We want to make sure everybody is being safe. Everybody has their masks on. We’re trying to keep everybody social distanced.”Estrada says the COVID-19 crisis is creating somewhat of a national food shortage crisis. That’s why they’re now partnering with the YMCA.“When COVID hit, YMCAs across the country started to support food programming,” said Katie Canfield with the YMCA.Nationwide, the YMCA has provided 37 million meals to more than one million people in the last six months. That’s an increase of more than 25% since the same time last year as they now deal with new safety regulations.“We are making sure that our community is using hand sanitizer,” Canfield said. “We are currently handling the food and then we hand them the bag when its complete.”Moving forward, the YMCA hopes to go mobile and bring food straight to people’s houses.But for now, they’ll focus on helping feed people in person. 1727

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