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As Americans slowly return to work, older workers are finding the current economic situation much harder to navigate than their younger counterparts.Many large companies, including the airlines, are offering early retirement packages. For older workers, those buyouts come with uncertainty for their financial future.“These are tough times, especially for older workers,” said Susan Weinstock with the AARP.Weinstock’s concern is older workers are being forced out of work without enough saved for retirement. According to AARP, half of full-time workers experience job loss after the age of 50. It typically takes them double the time to get back into the work force as it does a younger worker, and even if they find a job, they end up making less money.For those over the age of 50 who have suddenly lost their job because of COVID-19, there's also less time to make up retirement savings that were lost.“We know saving through work is the best way to save for retirement, and when you don’t have that option it makes it a lot harder,” Weinstock said.Weinstock's advice if you're over the age of 50 and out of work is to use this time to upscale or re-scale. She suggests finding an online class. Showing employers that you're a lifelong learner can make you more marketable.“We want to make sure older workers are able to recover from this, along with everybody else in the economy,” Weinstock added.For those working from home, Weinstock recommends taking the money you might have spent on commuting and putting it into your retirement account. 1557

As a 58-year-old woman on disability, Robin Short of Wallingford, Connecticut, relies on her tax refund to catch up on bills. She filed her return electronically in February, opting for direct deposit so she could get her 3 refund quickly.She’s still waiting, as are millions of others. The IRS is slowly resuming operations after pandemic-related lockdowns, but delayed refunds are devastating some people’s finances.Tax refunds have become a lifelineTax refunds, which last year averaged ,979, are the largest single infusion of cash for about 30% of U.S. families, says Fiona Greig, consumer research director at the JPMorgan Chase Institute, which researches economic issues. While many Americans use refunds to save or to pay down debt, significant numbers rely on the money to cover bills or to get needed medical care — and that was true even before millions lost jobs and income during the COVID-19 pandemic.Delayed refunds can lead to evictions, hunger, creditor lawsuits and health problems from postponed medical care, among other ill effects. Many households live so close to the edge that they can experience hardship when a refund is delayed by two or three weeks, let alone several months, says John Thompson, chief program officer for the Financial Health Network, which researches financial challenges facing low- and moderate-income households.“Not everybody has got the kind of flexibility or resilience to just be able to hold on,” Thompson says.Pandemic shutters most IRS operationsThe IRS started shutting down tax return processing centers in March, along with its taxpayer help line, local offices and volunteer assistance programs. Soon after, it focused on sending out more than 159 million payments as authorized by the coronavirus relief package. By mid-May, the agency faced a backlog of 10 million pieces of unopened mail, including paper tax returns.People who filed electronically generally got their refunds unless those returns were flagged, commonly because of identity theft concerns or a mismatch between the information on the return and what was provided by employers or financial institutions.In Short’s case, the TurboTax software she used counted a ,800 annual pension payment twice, as both 1099 income and as W-2 income. The IRS sent her a letter about the error and advised her not to contact the agency for 60 days while the issue was resolved. Then, the lockdowns happened.Short says her pension and monthly Social Security disability checks don’t cover her expenses. She makes arrangements to pay overdue bills, such as her power bill, when her refund arrives. Otherwise, she says, the math of living on a low fixed income gets grim.“Either you miss a payment on the electric bill, or you don’t get your medicine,” says Short, a former facilities manager and insulin-dependent diabetic who was severely injured when her car was hit by a drunk driver.Using refunds to catch upPutting off bills, then using tax refunds to catch up, is a common practice among strapped households, Thompson says. A survey of people who used free filing methods for lower- and moderate-income taxpayers last year found roughly half said they needed their refunds for bills, rent, groceries and other everyday expenses, according to Prosperity Now, a nonprofit that promotes financial security.People also increase their health care spending significantly after refund checks arrive. A 2018 study of 1.2 million checking account holders found health care spending rose 60% in the week after people received refunds, indicating many were catching up on care, Greig says.It’s not clear how long it will take the IRS to address the backlog or when taxpayers can expect their money. People can try using the “Where’s My Refund?” tool on the IRS site or call the taxpayer help line, but getting through to a human is difficult even in normal times. Congress has cut the IRS’ budget by 20% since 2010, leading to a 22% reduction in staff, according to acting National Taxpayer Advocate Bridget Roberts. Without adequate staff, the agency answered less than one-third of its calls last year. Another option is to contact the Taxpayer Advocate Service, which has representatives in each state.Rather than wait for the IRS to return their money each year, taxpayers can adjust their withholding so they get more money in their paychecks. But many don’t feel comfortable changing their withholding in case they wind up owing big sums, Thompson says.“You’d have to predict how the year is going to go,” Thompson says. “And what could we possibly predict about this year?”This article was written by NerdWallet and was originally published by The Associated Press.Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4782

Apparently, the mysterious monolith in a remote area of southeast Utah wasn't that hard to find for at least one person and his crew.Dave Sparks, star of the Discovery Channel show "Diesel Brothers," was able to find the tall and shiny object earlier this week, days after officials in Utah announced its discovery.Sparks posted videos on his Instagram account from the undisclosed location.Sparks says the monolith is an "insanely creative piece of metal art." He also described how the monolith was most likely constructed in an Instagram video. 555

An armed robber at a south side Chicago hot dog stand accidentally shot himself in the genitals during his escape, according to the Chicago Tribune.According to the Tribune, 19-year-old Terrion Pouncy robbed the Original Maxwell Street Polish around 6 a.m. Tuesday.As he ran away, Pouncy tried to put the gun in his pants. It went off, according to the Tribune, shooting him in the genitals and the thigh. He eventually called 911 to report he had been shot.He was taken to the hospital and charged with two counts of armed robbery with a firearm. 570

America's lottery fever is far from over. The Powerball jackpot is almost irresistible.Saturday's Powerball drawing would pay an estimated 0 million if a winner matches all six numbers.The winner or winners would also have a one-time cash option of 8.6 million -- a prize that's still more than alright.If there's a winner, it would be one of largest jackpots in the nation's history.It could be the fourth largest in US lottery history and the game's third largest jackpot.The largest Powerball jackpot was .586 billion and it was split three ways in January 2016. 581