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So you've heard of a blood moon, and maybe even a blue moon, but what about a black moon?The phenomenon is occurring again in North America on July 31 -- the first one since 2016. The rest of the world will have to wait until August 30.But, what does this even mean? Why is it important? Here's everything you need to know about this astronomical event.Wait, what is black moon?A black moon is basically the second 427

Retirement is just a numbers game to Carl Jensen, who quit his job when he was miserable and decided his family of four could live off less.“We save a lot of money,” Jensen said. “We (do) the electricity ourselves, too.”He’s at home with his family full time and is making it work by slashing the family’s expenses."I had a really bad day at work, and I remember thinking I had this incredible stress. I can't do this for the next 15 to 20 years of my life,” he said. "I don't need a new car, so I don't have a new car. I don't care about my clothes ... so I don't buy brand new clothes. And I have an old phone because honestly I don't want to learn a new phone."The family lives on just more than ,000 a year, an amount his retirement funds generate, along with his wife’s job at a startup."I realized early, retirement is just a number game, and if you're a saver and can be a little bit frugal when you're younger and let the stock market work for you, you can actually stop working early.""People that haven't saved very much for retirement still have great choices available to them if they're flexible."Kim Curtis, Wealth Legacy Institute CEO, understands Jensen’s choice isn’t for everyone and says approaches can vary."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” Curtis says.People in their 20s should focus on a savings routine such as a 401K, Roth IRA and keeping credit card balances low. Those in their 30s need to focus on asking for a raise and building their salaries.Curtis says they need to be bold.People in their 40s have a tougher time if they have growing children. It’s harder to save."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” she said.Keep building the money in your 50s and consider not fully retiring until your 70s. It’s not as bad as it sounds."The idea of not working and stepping off and not having any new income from the time you retire through life expectancy is really a fallacy now because a lot of people have side hustles and a side hustle in retirement could be an Uber driver. It could be a wag walk or dog sitting,” Curtis says.People who can keep working will benefit most, though.For the average person, ,000 a month at age 62 is all social security provides. And it’s ,425 at age 66.If you don’t draw until you are 70 years old, it jumps to ,800 per month, Curtis says."That's significant."Jensen decided working is not for him, but he picks up contract jobs in between repairing and adding on to his house, which he does himself. 2611

Sadly, many states and organizations are curtailing summer camps to stop the spread of COVID-19. While a traditional summer camp might not be an option for you, with some planning and creativity, there's still plenty of options and plenty of things you can do to bring the summer camp to you.Naomi Colliver is a mom who confronts summer head on. For the past six years, she's held her own summer camp. She even created a spreadsheet of weekly themes with activities, games, food ideas, and themed educational videos. “I knew that if we didn’t have some sort of structure, we would watch TV all day and easily get sucked in,” Colliver said. “We’re doing a traveling with the band week; we picked 5 different cities that have different styles of music, we’re going to learn about the city listen to the music, make some instruments.”It all started when she would post the things she would do with her kids on Instagram. “As the young-ins do, they hashtag everything,” Colliver said.On a whim, Colliver began using the hashtag #CampColliver on social media. The Camp Colliver name stuck. Colliver said friends “would constantly call me out and say what’s happening at camp Colliver today when can I drop my kid off at Camp Colliver? I’m not taking any more I’m just sharing what we’re doing.” Some of the things they're doing include a “mess-tival,” like festival, but a huge mess. She even fills a baby pool with spaghetti.At-home option for parentsBut if you're not the kind of parent with a Google Doc summer camp, try 1531

SACRAMENTO, Cali. -- A woman in California is recovering after being impaled in the leg by a large metal bar that fell off a big truck while traveling on the highway, according to officials.The unnamed victim was riding in a car on Highway 99 in Sacramento on Saturday, when the metal bar fell off of the truck in front of them, authorities said."The metal bar then bounced up and entered the right front of the Chevy, traveled through the engine compartment and entered the passenger compartment of the Chevy and impaled the right leg of the right front passenger," the California Highway Patrol's South Sacramento division said 642

Sports fans aren't the only ones who get to have all the fun when it comes to picking a fantasy team. Bachelor Nation, get ready for season 23 starring Colton Underwood and get ready to get competitive. The Bachelor Fantasy League is back with a brand new game experience and a chance to win a trip for two to Los Angeles and two tickets to "The Bachelorette: After the Final Rose" special for the next season of The Bachelorette in 2019. If you think you can figure out who is Colton's true love, predict who gets a rose (and when), and spot the Bachelorettes most likely to start some drama, join the Bachelor Fantasy League at 642