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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

When Coral Springs police officers arrived at Marjory Stoneman Douglas High School in Parkland, Florida, on Feb. 14 in the midst of the school shooting crisis, many officers were surprised to find not only that Broward County Sheriff's Deputy Scot Peterson, the armed school resource officer, had not entered the building, but that three other Broward County Sheriff's deputies were also outside the school and had not entered, Coral Springs sources tell CNN. The deputies had their pistols drawn and were behind their vehicles, the sources said, and not one of them had gone into the school.  611

While much-needed rain falling in parts of Northern California could help firefighters battling the deadly Camp Fire, it could also prompt powerful mudslides and debris flow, adding to the devastation for communities that have already been ravaged by the flames.Authorities fear the showers -- even as they clear the choking smoke and help extinguish flames -- will trigger mudslides and floods in areas scarred by the Camp Fire, complicating the search for victims' remains. Rain could also pile on misery for people forced from their homes, some of whom are living in tent camps outside.Two weeks after the devastating fire started, 563 people are unaccounted for, Butte County Sheriff and Coroner Kory Honea said. Of the 83 killed in the Camp Fire, at least 58 of them have been tentatively identified as rescue crews sift through debris, searching for more remains.The rain could make the process of scouring through the ash and debris more complicated, and lead to treacherous conditions for firefighters, officials said.It has been raining on and off for the past several hours in the town of Paradise, which was wiped out by the fire. A flash flood watch remains in effect through Friday morning, CNN meteorologist Gene Norman said. 1247

With businesses around the country reopening, customers may notice an additional expense on their bill: a COVID-19 surcharge. This new surcharge is popping up around the country and is an extra fee that businesses can add to a bill to help alleviate the financial burden placed upon them during the virus outbreak. It is meant to help offset losses due to businesses having to temporarily close, or help businesses keep up with the new requirements to reopen under health guidelines.The practice of adding an additional surcharge is legal for businesses although it may feel sneaky to customers without prior notification."Businesses would have to make decisions on their own," Kern County Administrative Officer Ryan Alsop told KERO-TV. "Simply having something on the bill at the end of the night that addresses something like a COVID-19 surcharge, possibly in addition to having signage in the restaurant, maybe something on the menu upfront."Adding a surcharge to the bill isn't the only option to help businesses during this time of reopening. Businesses could choose to raise prices overall. This has already been seen in some restaurants where expenses such as food supplies and third-party delivery fees, like DoorDash and GrubHub, have gone up considerably.Alsop points out that as a business, communicating with your customers might be the best way to maintain trust and keep your customers coming back during this difficult time."If I'm a business owner, customers are my livelihood," he said. "Those I think are points where you can engage your customers and talk to them about your business decisions."This story originally reported by Veronica Morley on turnto23.com. 1689

WHEAT RIDGE, Colo. — If dedication to a passion distinguishes a champion from a crowd, Marlys Halbeisen just might be the one who stands out.“Nothing would be anything without her,” said Tamera Halbeisen, Marlys' daughter-in-law.“They’re not just getting a card, they’re getting a message from us saying – ‘We care about you,’” Marlys Halbeisen said.For the past three years, Marlys has transformed her Wheat Ridge home into a smaller version of Santa’s workshop for a cause near and dear to her heart.“My husband was in the military,” Marlys said. “He served in the Korean War.”In 2018, she personalized 2,700 Christmas cards for troops overseas.Last year, she did 18,000. And this year — an astounding 40,000.“The pandemic was good,” Marlys said, laughing. “I couldn’t go anywhere, so I just worked on cards.”KMGH first met Marlys last year, when the company she had lined up to ship the cards simply vanished.In the days that followed, KMGH viewers stepped up and donated so much money to the TV station's fund, that they not only paid for the shipping last year, they were able to pay for the cards and shipping this year, as well.“After visiting three stores, I bought 35,000 cards,” Marlys said.She also received about 5,000 donated cards.“Cards come every day," Marlys said. “Yesterday, I got a bag of cards.”The plan this year was to have multiple card-writing parties. That didn’t happen.“We were going to have everybody for the fun night – write the cards,” Marlys said. “Well, of course, the pandemic prevented that.”And yet, somehow, this 78-year-old would find the silver lining.“It was wonderful,” Marlys said. “I was never bored. Everybody said, ‘Oh, ‘I’m so bored.’ And I go, ‘Well, why don’t you write some cards?’”It’s also been said that one can’t expect everyone to have the same dedication as one does one's self.“Well, you know, I always thought that you find the best help at the end of your arms," Marlys said.And so it was. This one woman show who amazed us last year did it again this year.“Beyond proud,” Tamera said. “I mean, this has just given her even more dedication.”“This does make such a huge difference in a GI’s life,” said James Boxrud, manager with the U.S. Postal Service in Denver. “I remember being overseas at Christmas when I was in the service. It was so special when you received a card.”“Just spreading the love,” Tamera said.There is still a need for additional funding for postage in order to ship the cards from Washington, D.C. to troops overseas. You can donate directly here: United Soldiers and Sailors of America.This story was originally published by Russell Haythorn at KMGH. 2640