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Wildfires continue to ravage the western United States, particularly in the Pacific Northwest, where 28 people have died and officials are bracing for more death.Hundreds of thousands of acres are currently burning in about 100 fires in 13 western states, but areas of Northern California and Oregon have seen unprecedented and catastrophic damage this week.Since mid-Auhust least 19 people have died in California — nine alone in the North Complex Fire that's currently burning north of Sacramento. Eight people have now been killed in Oregon, and with dozens of people still missing, officials are expecting more casualties."We know we're dealing with fire-related death, and we're preparing for a mass fatality incident, based on what we know," said Andrew Phelps, the director of the Oregon Office of Emergency Management.A one-year-old boy was also killed in Washington state this week.USA Today reports that cooler weather this weekend may aid firefighters. But in Oregon, officials fear that two large fires could merge and begin threatening an area near Portland — the state's largest city. More than 500,000 people have already been evacuated, a number representing about 10% of the state's population. 1219

What you drive impacts what you breathe.With all kinds of vehicles emitting all kinds of pollutants into our air, many Americans are now suffering from related health problems.“What I feel is tightness all around my chest,” said Karen Jakpor ,M.D., MPH. “Pretend you had to breathe through a straw.”Jakpor lives in California’s Inland Empire, an area east of Los Angeles, that has some of the worst air pollution in the country.After years of breathing in pollutants, Jakpor developed asthma so severe that she lost her clinical career.“That was very devastating to me when that first happened,” she said.Jakpor has since made a career change and is now advocating with the American Lung Association with a goal of getting all internal combustion engines off the road within the next three decades.“There’s so many people who are affected and people dying and yet they don’t even know that air pollution played a role in their medical condition,” Jakpor said.In its new report titled “Road to Clean Air,” the American Lung Association encourages a nationwide shift to electric vehicles by 2050.“Transportation is driving the unhealthy air that affects half of all Americans,” said William Barrett, lead author of this report.He predicts a transition to zero emission technology, for all transportation across America, could save countless lives and billions of dollars.“In the year 2050 alone, we could generate billion worth of public health benefits and approximately 3 billion worth of climate change benefits,” Barrett said.The move to reduce the use of fossil fuels has been an ongoing issue for decades.Now, however, health experts say the need for change is becoming more urgent each day.“Hopefully this report helps move the needle,” said Meredith McCormack, M.D., MHS, associate professor of medicine at John Hopkins University.She says prolonged exposure to car exhaust fumes can cause health issues ranging from heart attacks to lung cancer.To make a national changeover to electric vehicles a reality, McCormack says communities need help from leaders at local, state and federal levels.“For all of us as individuals, we also have our own ability to impact the future,” she said.A future of battery powered cars, however, does come at a cost.For example, a 2020 Toyota Prius Prime plug-in hybrid costs about ,000 more than a 2020 Toyota Corolla with a four-cylinder engine. But a study by the U.S. Department of Energy found that while plug-in vehicles could cost more upfront, they make up for it in savings with lower fuel costs and reduced emissions.That's something Jakpor believes is a small price to pay to improve America’s air quality.“We don’t want to leave the next generation with even worse disasters,” she said. 2753

When it comes to educating America's children, how much of a difference could million make? Could it send a second grader on a school trip to the museum, or provide updated equipment to a class of budding scientists?It can. In fact, it can do it 35,647 times.Ripple, a cryptocurrency and international payment company, has donated million in cryptocurrency to DonorsChoose.org, a donation platform that connects people to classroom needs across the country. With the money, Donors Choose was able to fulfill every single classroom project request on its site -- 35,647 requests in all, from 28,210 teachers at 16,561 public schools."It's fair to say there's never been a day that this many classroom dreams have come true," Donors Choose founder Charles Best told CNN.The Colbert bumpThe massive donation is the culmination, or grand finale, if you will, of the site's #BestSchoolDay project. Two years ago, Stephen Colbert, who is a member of the Donors Choose board of directors, announced he was going to pay for every school project request in his home state of South Carolina.His act of kindness set off a movement that became known as #BestSchoolDay."More than 50 actors, athletes and philanthropists were inspired to fund classrooms in their states," Best told CNN. "Together, those 50-plus people gave more than million, and to use, that represented the idea of a best school day."Best says the response has been overwhelming -- in a good way."An outpouring of joy would not be an overstatement," he said.The Ripple effectBest says when the organization connected with Ripple, the cryptocurrency management company was "inspired to think of the impact" of such a significant gift."At Ripple, we care about giving back to our community and we collectively value the importance of quality education in developing the next generation of leaders," Ripple's SVP of Marketing Monica Long said in a statement."DonorsChoose.org's track record speaks for itself — they are highly effective at improving the quality of education and the experience of teachers and students across America. We're proud to work with them to support classroom needs across the country."According to Ripple's company site, the donation will affect approximately 1 million public school students.Best says the "classroom projects" requested on the site represent specific missions or activities that teachers have for their students."It's a public schoolteacher requesting a classroom library. A field trip. A set of art supplies. A pair of microscopes. It's about requesting experiences or tools to provide a student learning experience," he said."We believe in the wisdom of the front lines," Best added. "Hardworking, passionate teachers know their students' needs better than anyone else in the school environment. If we can tap into their needs, we can unleash smarter solutions and empower those people on the front lines."  2956

While politicians debate unemployment benefits, those who rent housing are hoping a deal is worked out soon. Experts say, so far, the COVID-19 pandemic hasn't impacted the housing industry, but that could soon change.Property managers are concerned the housing industry could see a repeat of the Great Recession from 2008.Michael Cohen is the owner of Asset Realty Management in Tennessee, which manages close to 900 properties. He says when the pandemic first hit in March, they started to see a major decline in vacancies and payments coming in. But when unemployment benefits started to kick in, things returned to normal.Cohen is worried now that enhanced unemployment benefits for millions of Americans have ended."Some people are still trying to dig their way out of that hole where they couldn’t pay for March and now we’re three months later and they’ve made major attempts to get caught up and here we go again. Definitely, I'm concerned about it," says Cohen.Jack Strauss is the Miller Chair of Applied Economics at the University of Denver. He says to prevent another housing crisis, eviction moratoriums need to continue along with additional unemployment benefits.“We care about evictions, not just for the family which is a personal tragedy in moving, but it could destroy the neighborhoods,” Strauss said. “You can be evicted from your house, these rental properties will remain unrented for long periods of time."Strauss says there are only about 5 million job openings across the country right now and 18 million people are unemployed."We already have a health problem. We don't want another severe economic problem in terms of evictions, in terms of unemployment people going hungry and homeless," says Strauss."I just keep waiting for this tsunami of lack of rent payments and people not being able to vacate and not being able to fill our vacancies and them staying vacant. Then once we get into the holidays, then things slow down even more," says Cohen.Strauss believes Congress will eventually come to an agreement and reissue some form of enhanced unemployment benefits to people. He hopes this next coronavirus stimulus bill really focuses on those who are suffering, including people of color, who Strauss says rent properties significantly more and are more than twice as likely to face evictions."This will even further hurt the Black family unit and Lanoti family unit, as well, if we don't have a moratorium. We need to help people of color because they're more likely to be hurt by a lapse in federal aid," says Strauss. 2559

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

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