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Tony Downs Food Company, Inc is recalling more than 96,000 pounds of chicken products that may be contaminated with extraneous materials, specifically hard plastic. 182

This pandemic holiday season, the last thing you need is too have your power disconnected.But Lisa Shook , who manages a home inspection company, recently got a call from someone claiming to be with their electric company."He said he was going to be in our driveway to cut off our services," she said.Shook handed the phone to owner Rob Wells, who was told he was behind on his bill, and would be cut off if he didn't pay immediately."He said we needed to pay 7 or they would disconnect the electric," Wells said, saying the man demanded a debit or credit card number.It sounded legit, as the caller knew the name of his business, and more.So this expert who normally inspects houses inspected his records, and realized he was not behind on his bill after all.But it may have been too late: Someone emptied his debit card a short time later."Everything got hacked, my credit card, everything," he said.It was all a scam. He is now working with his bank to repair the fraud charges.Easy to believe the caller's claimsLast year, one church almost lost ,000.Donald Kincaid is an Episcopal church groundskeeeper. He was shocked when he received a call from the power company claiming the church had fallen behind on its electric bill."The caller said that the gas and electric would be cut off in about a half an hour because the bill hadn't been paid," he said.The caller couldn't have been more clear. Unless the church paid the money immediately, workers would shut its power off.The caller said that to avert a shutoff, Kincaid needed to buy nearly ,000 in Green Dot Visa cards" and send it to them, giving them the number on the card."The church almost fell for the power disconnect scam, which targets homeowners, small businesses and now churches.Energy companies around the country remind customers that they will never call you threatening immediate disconnection.Duke Energy spokesman Lee Freedman says if you are behind on your bill, they will send you several notices first, and will never demand you pay immediately by debit or gift card.So hang up, and call your provider at the number on your bill, not the number the call came from.As always, don't waste your money.__________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2494

This article provides information and education for investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.If you’ve ever wondered how your retirement savings stacks up against your peers, you’re in good company. The desire to know where you land in the sea of retirement savers is natural, and it can help either kick-start more progress or give you a feeling of satisfaction. But no matter how the numbers make you feel, they may not be the best measure of whether you personally are on track for retirement.What is the average retirement savings?The 2019 Survey of Consumer Finances shows that the average retirement savings for all families is 5,130. The median retirement savings for all families is ,000.Taken on their own, those numbers aren’t incredibly helpful. There are a variety of decent retirement savings benchmarks out there, but how much money other people have isn’t one of them. Even breaking the numbers down by age won’t give you a great picture of where your own finances should be. After all, age is just one factor in how much you should save for retirement — and not everyone who is the same age will retire at the same time.But retirement savings balances do tend to increase with age, as they should — the closer you are to retirement, the more you should have stashed away. (If you’ve been struggling to fund retirement accounts, our guide on how to save money will help.)How much each age has saved for retirementA little fine print upfront: Because averages can be heavily skewed by outliers — in other words, the savings over- and underachievers in each group — we’ve also included median balances. The median can often provide a more representative number than the average, and you’ll notice that the median numbers are quite a bit lower than the averages. (All data is from the 2019 Survey of Consumer Finances, unless otherwise noted.)It’s also worth noting that both figures include only those who have retirement holdings — there are many people of all ages who do not. In 2019, only about half of families owned any kind of retirement account.Under 35Average household retirement savings: ,170Median household retirement savings: ,000Let’s start with millennials; they’re used to being under the microscope. In 2019, 45% of families headed by someone under age 35 had retirement accounts — meant here to include IRAs, Keoghs and certain employer-sponsored accounts such as 401(k)s, 403(b)s and thrift savings accounts.Of the families in this age group who have retirement holdings, the average value of those holdings is ,170, and the median value is ,000. In other words, 3,352 and 1,444 pieces of avocado toast, respectively.If you’re not sure how much you should save for retirement, it’s best to get an idea for it sooner rather than later — you don’t want to be heading into retirement without enough saved.Ages 35 to 44Average household retirement savings: 1,950Median household retirement savings: ,000This age range encompasses the oldest millennials and the youngest of Generation X. More than half (56%) of households headed by someone of this age have retirement accounts, according to the data.The average and median values of this group’s retirement holdings are significantly higher than those of the under-35 set. These are strong earning years alongside peak spending years. Particularly for those who have kids, dollars may be stretched around paying for child care, saving for college and saving for retirement. If you’re looking to increase those retirement savings, an IRA can be a great way to do it.Ages 45 to 54Average household retirement savings: 4,720Median household retirement savings: 0,000This group is still part of Generation X, with the oldest members about a decade from what’s considered the standard retirement age. About 58% of households headed by someone this age have retirement holdings, according to the SCF.These can be peak earning years, especially for men, who see earnings growth until age 55, according to compensation research firm PayScale. The company’s research shows women top out over a decade earlier, at 44.Ages 55 to 64Average household retirement savings: 8,420Median household retirement savings: 4,000These are baby boomers, and the oldest among them are knocking on retirement’s door — just a couple of short years from Social Security’s definition of full retirement age. About 54.5% of households headed by a baby boomer have retirement holdings.Ages 65 to 74Average household retirement savings: 6,070Median household retirement savings: 4,000The bulk of these households include someone who is in retirement, or at least of retirement age. As a result, many are at the stage when they are probably spending, rather than accumulating, savings. According to the SCF, 48% of this age group have retirement accounts.After this point, average and median retirement account values begin to fall, as does the percentage of people who have retirement accounts. For households headed by someone age 75 or older, the median value of retirement holdings is ,000, with an average holding of 7,920.What do these numbers tell you?The headline here: Most people aren’t saving enough for retirement and are entering retirement with very little stashed away.“If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.”That’s just one reason why the average retirement savings for someone your age isn’t a benchmark. If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.How much you should have saved, and how much you should be saving, have nothing to do with where others your age stand. It has everything to do with your income, planned retirement spending, expected retirement age and life expectancy.If you want to find out how much you personally will need to retire, aretirement calculator can help. And if that calculator tells you you’re behind? An IRA is a good place to start catching up.More From NerdWalletSure, Stocks Are Fun. But ETFs Are SmartThe Upsides to Thinking About When You Will Die4 Tax Triggers New Investors Need to Know AboutAlana Benson is a writer at NerdWallet. Email: abenson@nerdwallet.com. 6422

This past spring, teachers from West Virginia to Oklahoma walked out of their classrooms and onto the steps of state capitols to protest low pay, overcrowded classrooms and cuts to school funding.Oklahoma teacher Jacobi Crowley was one of the teachers who participated in the strikes.“I dunno if I can be a 20 to 40-year educator,” says Crowley. “I love my job and what I do, but if things do not get better, I might have to start looking at a different career.”If things go the way he hopes this November, he will have a different career as a state senator, one who sees education as priority number 1.“We have to be fully funded,” Crowley says. “That’s the number one thing.”Crowley is one of hundreds of teachers nationwide who decided to run for public office this year. In Oklahoma alone, more than 100 teachers filed to run, and over half of them made it through their primary races in June.“They are getting frustrated with seeing the lack of support, the lack of funding and the lack of leadership out of state legislators in Oklahoma City, making those things possible for educators to be successful,” Crowley expresses.Educators say it’s a frustration that’s been building for years.In 2011, teachers staged a walkout and camped out for weeks at the Wisconsin State Capitol, protesting Gov. Scott Walker’s bill that gutted their unions. Ultimately, they were unsuccessful.But Wisconsin’s Superintendent of Schools saw that as a catalyst and decided to take matters into his own hands.“I believe the best way to fix this is to have an educator as governor of the State of Wisconsin,” says Democratic gubernatorial candidate Tony Evers.Evers will take on incumbent Gov. Scott Walker this November.Cut in funding and teacher pay has been some of the core issues of the protests. In Oklahoma, Crowley—like many other teachers—works multiple jobs to pay the bills.“I’m a football coach, that’s one thing to make ends meet,” explains Crowley. “I’m a basketball referee; I work a side gig as a radio station.”However, Crowley hopes the voters of Senate District 32 will deem him worthy of just one. 2114

There are now more than 8 million positive cases of COVID-19 in the US since the beginning of the pandemic, according to Johns Hopkins University.There are more than 218,000 deaths in the country from the coronavirus.Cases are climbing around the country, as some states report numbers of daily new positive cases as large as they saw earlier this summer.Two states on Friday, Illinois and North Carolina, reported their highest daily COVID-19 positive case count ever. Several states are reporting a low number of available hospital beds in their ICUs, including Michigan and North Dakota.Across the country, there have been more than 53,000 new daily cases each day for the last week. That represents an increase of more than 55 percent in just over a month, according to CNN.Health experts worry this surge of cases could indicate a tough winter ahead. They remind people to take precautions: wash hands, wear a mask, avoid crowds, and remain socially distant from others."They sound very simple, but people are not doing that and that's why we have an uptick in cases," Dr. Anthony Fauci, Director of the National Institute of Allergy and Infectious Disease, told CBS News this week. He also shared earlier this week that his family will not be getting together for Thanksgiving to stay safe this winter. “Don't assume that because you're in your own home with your own family that you're not going to spread infection,” he said.There are more than 39.2 million positive cases of COVID-19 recorded around the world, according to Johns Hopkins. 1555

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