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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

What if there was a way to make money, while saving money?An app called Grand claims to do just that, motivating people to save by entering them into a sweepstakes.How does it work?You'll need to link up your bank account to the app.Then, you’ll designate how much money you want to set aside each week.Each dollar gives you an entry into a sweepstakes; you get extra entries if you refer friends or reach certain milestones, like paying off debt.The prize money varies. You could win a prize, or you could win up to ,000. If you wait until October, you could win ,000!But even if you don't win, you are still making some money off your savings.Grand guarantees users a 1% return on their savings.You will, however, need to pay /month to keep your account.So if you do all the math, that means you'll need to keep about ,100 in your account to make it count.If you feel hesitant about linking up your bank account to an app, just know that the app is FDIC insured. 984

With heavy hearts, we can confirm that Prayer Warrior was humanely euthanized following an injury in today’s sixth race on the main track.Our deepest sympathies to the Metz family and their team.— Del Mar Racetrack (@DelMarRacing) November 11, 2019 262

WINTER HAVEN, Fla. — The Polk County Sheriff's Office is conducting a death investigation after an Uber driver shot and killed a man early Tuesday morning.During a news conference, Sheriff Grady Judd said that a bartender and patron at the Grove Lounge on US Hwy 27 in Dundee called for an Uber when they realized a young woman was in no condition to drive.As they waited for the Uber to arrive, the patron, Jessica, and her boyfriend, 34-year-old Jason Boek, were texting back and forth about him picking her up from the bar. When he refused, Jessica told him that she had found a ride and didn't need him to pick her up; in which he later replied after arguing with her:"I'm going to f***ing beat the f*** out of the Uber driver"Once the Uber driver, 38-year-old Robert Westlake, arrived at the bar Jessica put the intoxicated young woman in the car. Boek began following the Hyundai Elantra .thinking Jessica was inside.As the two continued on Dundee Road, Boek approached Westlake's Hyundai from behind and then abruptly passed and pulled in front of it.After jumping out of his F-250 pickup truck and approaching Westlake he yelled:"You know I have a pistol? Want me to shoot you?"Westlake, who is a concealed weapon permit holder and just finished police academy, reached into the pocket of the driver door, retrieved a handgun and shot Boek once in the chest. He then called 911 and spoke in "police lingo" and told them he had shot a man after he had threatened him. He also began lifesaving measures.Dashcam video shows moments leading up to shooting 1642

With a total of six adopted and foster children, Keri Penland’s family is an exercise in planning and patience.“Trying to do school with them has been insane,” she said.All of her kids are school-aged; some have learning disabilities. When the coronavirus pandemic hit, they--along with tens of millions of other students across the country--became part of a nationwide experiment in remote learning.Her verdict?“I don't know how anybody is doing this, to be honest,” Penland said. “It's not possible.”And it turns out, she's not alone.“We found that remote learning is really failing our most vulnerable learners,” said Justin Ruben, who is with the nonprofit “ParentsTogether.” The group recently conducted a survey of more than 1,500 families across the country to see how remote learning was going.Among the findings:When compared to a family making 0,000 a year, lower-income families--making ,000 or less-- are ten times more likely to have children doing little to no remote learning.Those families are also five times more likely to attend a school not offering distance learning materials at all and 13 percent of them didn’t even have a computer device or internet access.Yet, the numbers were even worse for families of children with special needs, who usually get individualized support at school. Out of those families, 40 percent said that with remote learning, they were receiving no support at all.“A huge chunk of students are being left behind by remote learning,” Ruben said.ParentsTogether wants the federal government to step in with 5 billion more in funding for education, especially since the coronavirus pandemic slashed tax revenues for local and state budgets and, in turn, education programs.“Schools are making budgets right now and kids are falling behind right now, and schools are making plans for the fall right now,” Ruben said. “And so, there's this surreal lack of urgency in Washington, D.C., and there’s literally like a whole generation of vulnerable kids is being allowed to languish.”Back at Penland’s house, it’s been an unusual ending to the school year.“I'll tell you, if school doesn't start again, the kids are gonna be way, way behind,” she said. “It's a different time than we've ever experienced.”Given everything that happened with schools and the pandemic, experts have some suggestions for how to keep kids engaged and learning over the summer.Keep some semblance of structure. A visual schedule that everyone can see will help and make it easier for you and your kids to get back into the swing of things when summer ends.Read to your children or encourage them to read, write or draw--anything that engages their minds, as long as it does not involve a computer or phone screen.Outdoor hikes, walks or scavenger hunts can help kids get exercise and keep them engaged in discovering new things.Make sure your kids get enough sleep and proper nutrition, to keep them in top shape and ready for when it’s time to return to school. 2998