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With billions of dollars in federal aid slated to expire within hours, thousands of airline employees are bracing for potential job layoffs and furloughs in the coming days.The CARES Act, passed by Congress and signed into law by President Donald Trump in March, allocated billion in federal aid for U.S. airline companies who were floundering amid the COVID-19 pandemic. However, those bills were only allocated through Oct. 1 — meaning that aid expires on Thursday.Several airlines have already announced that they will be forced to lay off thousands of workers if Congress does not pass a bill that would allocate more bailouts to the airline industry.In August, Delta issued a WARN notice of potential mass layoffs with the state of Georgia that more than 2,500 more could face extended furloughs. The company has already offered early retirement packages to thousands of pilots.According to the Associated Press, American Airlines informed employees in August that it will cut more than 40,000 jobs — 19,000 of them through furlough and layoffs — in October if the business environment did not improve.On Monday, pilots with United Airlines approved a plan that would avoid the furlough of 2,850 pilots which would have begun Oct. 1. In exchange, pilots agreed to reduce their minimum work hours. The airline still plans to cut 19,000 jobs in October, according to CNBC.CNBC also reports that there is bipartisan support to offer more federal aid to the airline industry. However, Republicans and Democrats have not reached a deal on a larger stimulus package, leaving airlines lost in the shuffle. The Democrats included additional airline bailout funds in a .2 trillion stimulus package on Monday, and talk regarding funds for the industry has "progressed" with the White House in recent days.According to figures from the Transportation Security Administration, the agency is routinely screening more than a million fewer airline passengers every day than it would have at the same point a year ago — an indication that demand for air travel is still lagging amid the COVID-19 pandemic. 2108

WEST PALM BEACH, Fla. (AP) — Unemployment benefits for millions of Americans are set to lapse at midnight unless President Donald Trump signs an end-of-year COVID relief and spending bill that had been considered a done deal before his objections. He is demanding larger COVID relief checks for Americans and complaining about "pork" spending. But Congress has already passed the package by large margins in both houses. Failing to sign it will mean pain for those struggling to make ends meet and a potential federal government shutdown in the middle of a global pandemic. 581

With news of two highly effective COVID-19 vaccines on the horizon, health officials and scientists are giving us new insight into how we could gain herd immunity."If we think of the population as a single group of people with all similar risks and susceptibilities and behaviors, we need 60% of people to be immune, meaning that not only they don’t get sick, but also they don't pass on the virus to other people," says Dr. Stuart Ray, an infectious disease professor and herd immunity expert at Johns Hopkins University.Dr. Ray says achieving herd immunity with the help of a COVID-19 vaccine would mean enough people would either get the vaccine or already have recovered from the virus and be immune to help stop the spread of the virus."It's a little bit like this notion that if you’re going to pass on a message from a lot of people in a group, they have to speak the same language. And the more people don't speak the language, the harder it's going to be to pass that message and there’s a threshold at which the message just gets stopped," says Dr. Ray.Still, it would take a certain number of people to get the vaccine and have that immunity last in order to reach herd immunity. Stanford University's Dr. Bali Pulendran hopes that we can achieve herd immunity, even though there are a certain number of people who are still hesitant to take the vaccine."I think we should remember that a vaccine that is 95% effective is only effective if the majority of people in a population take it. If only half the population or only 60% of the population take it, then we are unlikely to have achieved the level of herd immunity that you need for curbing the disease," says Dr. Pulendran.And if the new COVID-19 vaccine requires two doses, how crucial will it be to make sure people receive that second round of immunization?Asked whether follow up will be a concern, Dr. Ray says, "I think it is a possible concern. We’re going to do a lot of learning. So, one of the things we’ve learned is that some vaccines we thought you needed multiple doses, one dose works pretty well."Doctors say research will be ongoing on the vaccine and the virus itself to ensure people will be protected as much as possible, because so many are hopeful for an end to COVID-19. 2268

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party is projected to have a majority of seats in the US House once the new Congress is seated in January. All 435 seats in the House of Representatives were up for election on Tuesday, and that fact has spurred high voter turnout in an election that could see a lot of change on Congress. 401

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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