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There's a lot of excitement about the joy the holidays can bring, particularly this year. But at the same time, many families, especially those with fragile loved ones, may be experiencing stress and sadness.“It's the first time in my life that I have not been with any of my family members. And so that's really difficult and tricky for us,” said Amy Goyer, a family and caregiving expert with AARP.Goyer isn’t alone. More than three quarters of caregivers are making alternative plans this holiday season because of the pandemic.Goyer says to avoid all or nothing thinking. Instead, focus on traditions most important to your loved ones.“For one family member, the decorations are the most important part, for another one, it’s the family movie night,” she said. “It might be that the meals are the most important thing. The music, you know, the religious services. Find out what's most important and try to prioritize ways that you can adapt.”For loved ones outside the home, increase how often you talk to them. Decorate outside their window or mail them decorations. Do holiday traditions like reading a story, watching a movie or sharing Christmas morning coffee over video.“I know one caregiver who got a bunch of greeting cards and she addressed them all from different people and gave them to the facility and they're giving them to her brother who lives in a memory care facility,” said Goyer. “Every day he gets a card and that makes him feel like, oh, this is, this is the queue. This is the holiday season, and somebody cares about me.”Caregivers also need to pay attention to themselves. Well over half are already experiencing negative impacts on their mental health.“Remember to give to yourself and that that's a good thing to do. In fact, it's required. It's not optional. Because that's how we continue to have within what we need to give to others,” said Goyer. 1889

Trader Joe's has issued a recall alert for possible listeria and/or salmonella concerns in certain salads sold by the grocery store.According to traderjoes.com, the store's Mexicali inspired salad, its BBQ flavored chicken salad, and its field fresh chopped salad with grilled chicken breast may contain corn that's contaminated.The states affected are Colorado, Idaho, Louisiana, Oklahoma, Oregon, Tennessee, Texas and Washington.No illnesses have been confirmed to this date.The store says the potentially affected products have since been removed from store shelves.If you purchased any of these products, do not eat them.For more information or further questions, call Trader Joe's Customer Relations at (626) 599-3817.  752

This is the beginning of Packer's second signed confession. The entire document is on display at the Hinsdale County Courthouse. 137

There are a lot of mixed feelings about COVID-19 vaccines and why people would or would not take one. However, health experts say we'll need them to achieve herd immunity and get back to a more normal life.“There's really a deep empathy for the hesitancy people are feeling. This is a big deal. It's normal to have questions about what's going on and we just want people to get the information they can to make empowered choices for them and their families, so we can really get back to what matters most for each and every one of us,” said Michelle Hillman, Campaign Development Officer at The Advertising Council.The Ad Counsel is the agency behind decades of important messages like "friends don't let friends drive drunk."Now, they are working on likely one of the most important campaigns of this generation, convincing people to take a COVID-19 vaccine.Right now, it's in the early stages of research and won't roll out on TV, radio and online until early next year when a vaccine is more widely available. But you can expect a lot of different spokespeople from doctors and pharmacists, to athletes and musicians.“The messenger in this case is going to be even more important in some ways than the actual message itself,” said Hillman.There will also be variations of the COVID-19 vaccine campaign to address specific groups, like communities of color. They've been more severely impacted by the virus and tend to have more vaccine hesitancy. So, partnerships in the messaging will be important.“We know that you know these on the community level people are already turning to churches and nonprofits and trusted messengers on issues like health care, hope, inspiration and all of them are really going to have to be messengers on this important campaign to break through to get people the information they need,” said Hillman.According to recent Pew research, only about 60% of adults say they would get a vaccine. Health experts have said we would need likely between 70 and 80 % to get close to herd immunity. 2027

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

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