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In a survey of 1,250 Americans who have a full-time job, 51% of millennials and 60% of those in Gen Z, say that the pandemic could cause them to delay their retirement. The survey was commissioned by Broadridge Financial Solutions.Millennials also were more likely to modify their retirement plan due to the pandemic. But older age groups were much more likely to adjust their reoccurring expenses and to withdraw from an emergency fund."Now more than ever employees are reliant on their employers to provide them with the proper tools and resources to meet their financial goals," said Cindy Dash, Senior Vice President at Matrix Financial Solutions, a Broadridge company. "What's very interesting is that two-thirds of respondents said they would leave their job if an employer took away a financial wellness benefit that is important to them. In navigating the aftermath of the pandemic, employers are going to face increased pressure to provide enhanced financial wellness benefits, especially if they reduced their offerings during the pandemic. If not, they will risk losing their valued employees." 1113
If you're interested in fish who are scary-looking, poisonous and chock-full of elaborate defense mechanisms, look no further than the stonefish, a genus of fish that populate coastal waters of the Indo-Pacific region.As if their deadly venom and spiny exteriors weren't enough, scientists at the University of Kansas have found that stonefish also have a hidden switchblade on their face that they can flick out whenever they feel like they're in danger.Scientists call the bony, blade-like protrusion a "lachrymal saber," because it is located on a bone under the fish's eyes. Also, "lachrymal saber" is just a really metal-sounding name.William Leo Smith, associate curator and associate professor of ecology & evolutionary biology at KU, first started to understand how the lachrymal saber worked 15 years ago, when he was dissecting a stonefish he kept as a pet.This is a game-changerHe tells CNN the mechanism isn't just a cool new discovery (although it's that, too). It also changes the scientific understandings and classifications of this particular type of fish."It opens up these ideas of ecological questions. Muscular systems, bone systems, nervous systems all came together to form this. What led to its evolution or use?In other words, he says, "Why do we see this accumulation of so many horrible things on one fish?"The lachrymal saber is housed inside the fish's head, and they use their cheek muscles to deploy it. Though some stonefish are venomous, the saber is not.It could be a sex thing, tooSmith says he and his fellow researchers have reason to believe the saber isn't just for warding off predators: It could be a sex thing, too."There is evidence pushing towards that," he says. "They may use this in battles with other members of their species, like ram horns. It may also be involved in courtship behaviors."Oh, and the sabers glow."It's fluorescent green," Smith says. Since stonefish rely on camouflage for both protection and hunting prey, Smith doesn't think the fluorescence has a defensive purpose like, say, warning off predators.There are 134 described species of stonefish, and by Smith's observation, all of them have some form of lachrymal saber. 2202

IMPERIAL BEACH, Calif. (KGTV) - South San Diego County families were left in tears. A single mother and her kids were forced to sleep in their car. 10News investigative reporter Jennifer Kastner is exposing the man accused of running an elaborate housing rental scheme and preying on people who are struggling to make it in San Diego. Deputies believe that Daniel Uriarte pretended to own a house and scammed more than ,000 from several families that were looking to rent. Jacenia Ramos was crying when she met with 10News. “I mean, he didn't only do it to us, he did it to other people, too. That's just wrong,” Ramons says. Two weeks ago, 10News connected with Ramos’ family and other families after someone posted a warning about Uriarte on an Imperial Beach community Facebook page. Multiple people told 10News that Uriarte was operating a fake rental on a property in Imperial Beach.When 10News arrived at the house, there were signs in the window. “I basically placed [the signs up] that the house is not for rent and if someone did rent it out to them, to contact the local deputies and they'll help them out,” says Eric Leon Estrada.Leon Estrada cares for the house for his mother, who owns it. They started renting it out to Uriarte and his family in 2018. Leon Estrada and his mother tells 10News they came across a Craigslist post a few months ago advertising a two-room apartment for ,200 a month. The ad said the unit -- which was a garage converted to an apartment -- was still under construction, according to Estrada. Leon Estrada says that Uriarte knew that subletting was not allowed. He showed 10News a copy of the lease, which clearly states that they agreed "not to transfer, assign or sublet the premises or any part thereof." Leon Estrada and his mother say that they told Uriarte’s family that they had 30 days to leave.Leon Estrada says he noticed "mail coming in from different families with different last names, so it doesn't take a detective to figure that out.”“I’m very grateful that we had a car to sleep in. We could have been sleeping on the sidewalk,” says a young woman who 10News is not identifying. She’s overcome with shame and embarrassment. She says her family fell for Uriarte’s Craigslist ad and handed over a massive deposit, thinking that he was the owner. Yet when they tried to move in, they tell 10News that Uriarte kept making excuses to delay their move-in. “There was lead paint. There was something wrong with the electric cables. It was just excuse after excuse,” she adds. Ramos tells 10News that Uriarte gave her a similar run-around. “I was so stressed out. I ended up in the hospital because of all the stress,” she explains. She shared with 10News a voicemail that she says Uriarte left her. In part of it, the man’s voice is heard saying, "It’s not that I don't want to rent to you. It's not. I'm telling you, and it's the truth, it's the fact that I don't have enough time to finish up that job.” A few days after 10News interviewed some of the families at the house in Imperial Beach, this station received a call from a San Diego County Sheriff's detective. He told 10News that they planned to arrest Uriarte soon. Over the phone, Uriarte denied doing anything wrong. Last Friday, he was scheduled to meet 10News, but he never showed up. He texted that his attorney would contact 10News, which never happened. This Tuesday, deputies notified 10News that they'd arrested him. Part of the statement reads, “From June 5 to July 24, 2019 Daniel Uriarte…misrepresented himself as the owner and manager of a rental property located in the 800 block of 10th Street in Imperial Beach. Uriarte advertised the property via Craigslist and presented fraudulent rental agreements to his victims. To date, Uriarte has scammed six known victims out of more than ,000. On August 23rd, Detectives from the Imperial Beach Sheriff's Substation arrested Uriarte for six counts of obtaining money by false pretenses. He was booked into the San Diego Central Jail. Uriarte's first court appearance is scheduled for August 28th at 1:30 p.m. at the South Bay Courthouse. While this case has been submitted to the District Attorney's Office, the investigation is ongoing. The Sheriff's Department is looking for additional victims or witnesses. Anyone with information can call Detective Jason Phillips with the Imperial Beach Sheriff's Substation at (619) 498-2400.”10News attended Uriarte’s arraignment on Wednesday, where he pleaded not guilty. His bail is set at ,000. His next court appearance is in September. 4580
If you've been looking for a new kitchen appliance this year, locating certain models can be as tough as finding a new Xbox Series X or PlayStation 5.The appliance shortage that began in March shows no sign of letting up.Tommy Conougher is among the many frustrated shoppers. He needs more space in his refrigerator."This is one we've had since we built the house 17 years ago," he said.Like many families during this pandemic, he wants to stock up on frozen beef and chicken."We thought we would just invest in a freezer we would put in the garage, so we started to look."But finding a freezer was tougher than finding Nemo."We have been searching all summer long, nine months, for a freezer," Conougher told us in a Zoom interview from his kitchen."And even when the big box stores have their specials, they don't have them in stock."Many brands, price ranges affectedIt doesn't matter if you are looking for a freezer, refrigerator, range, oven, or washing machine.It also doesn't matter if your budget is 0 or ,000, or what brand you want (though American brands like Whirlpool and Maytag appear to be in better shape than European or Korean brands).You are going to find spot shortages just about everywhere, according to Ken Reiman, co-owner of an appliance distributor.He supplies builders and remodelers, who he says now have to delay finishing some projects due to ongoing shortages."When I check our vendor websites," he said, "they are just not available."He says the shortages that started when factories shut down for two months early in 2020 have not let up."For instance," Reiman explained, "they will give an estimated time of December 5, and December 6 comes around and they have moved to January."Why the shortage hasn't endedReiman says there are 3 reasons for the current shortages.Originally, it was factory shutdowns in March, April and May, along with delays getting appliances shipped from China during that time.The second reason is shortages of foreign-made parts, such as wiring harnesses and compressors, which forces U.S. factories to shut down their assembly lines until product arrives.The third reason is high demand, as people spend their vacation dollars this year on their kitchens instead, Reiman said.His suggestion: Be flexible on brand and model."We have products coming in," he said. "Our warehouses are more stuffed now than ever. But it seems we can't get the full package of matching appliances, which means you may get a range and microwave, but may have to wait three months for the matching fridge."If your heart is set on an exact size, color, and model, he says you could wait till spring.Reiman says your best bet is to ask what models are in the local or regional warehouse that you could get in a few days.While you will find shortages of all appliances, the worst of all are standalone freezers, because not many of them are made.As always, don't waste your money.________________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3244
I stand in solidarity with the Lakota Sioux & this is NOT ok with me https://t.co/iPVcFplOHa— Neil Young Archives (@NeilYoungNYA) July 4, 2020 154
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