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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

With a majority of public school districts offering remote learning this fall, parents and teachers are ramping up online educational tools and resources for kids. Many are also focusing just as much on kids' mental health."It's going to be so much harder to build those relationships while you're on a virtual platform. What are we doing to start the year off with expectations of what students should do and how are they going to react with each other?" said Dr. Christina Conolly, a school psychologist in Maryland and a member of the National Association of School Psychologists. Dr. Conolly says with so many children missing that social interaction this fall, it's important for educators and parents to be intentional when it comes to keeping an eye on students' mental health."Anything we can do to help students engage with each other, bring a socialized setting that is supervised, is great," said Dr. Conolly. Before the COVID-19 pandemic, Dr. Conolly, like other parents, put major restrictions on screen time. Now, she says many of those limitations have gone out the window. Speaking about her own daughter, she says safe, online interaction is crucial to children's social development. "Right now, if she's on there spending a couple hours gaming with my neighbors because she can't go outside and play with my neighbors, well I'm like 'OK, it's helping her with her emotional health.' Because human beings need human interaction," said Dr. Conolly.Child suicide rates are up nationwide and calls into the National Suicide Prevention hotlines are skyrocketing, Dr. Conolly said. Many children who didn't have mental health struggles before the pandemic are finding themselves coping with them now and those who already had difficulties are getting worse. She has advice for parents who are concerned about their children getting depressed because of a lack of social interaction. "I would say a number of things. First, talk to the staff at your school. You can talk to the teacher, administration, psychologist or counselor in the building. If you're concerned, they can talk with your student," said Dr. Conolly.Teressa Ruspi is a parent of three and runs the LRJ Foundation, a mental health and wellness organization that partners with schools in Georgia, Virginia and Pennsylvania to teach kids about the importance of social emotional health. Ruspi is putting her own children's mental health at the top of her mind as her three head back to school virtually."I'm really trying to hone in and be really mindful of their emotions right now and what's triggering those emotions. How to balance those emotions, how to have those conversations with them, so they can feel comfortable talking to me about what's frustrating with them," said Ruspi. Ruspi says her kids are FaceTiming frequently with classmates and even doing occasional playdates with families who are taking similar precautions from COVID-19 as they are."Kids can get kind of complacent and used to their new surroundings so now that they have been removed and been remote and disconnected a lot, we want to make sure that they don't stay disconnected," Ruspi said.The good news, is that now that school is back in session, many parents will have access to free sessions with a school psychologist or counselor. An extra resource that could be an extra boost to keeping children happy and mentally healthy during virtual schooling. 3421

When the delayed Tokyo Games kick-off next year, the opening and closing ceremonies will be “simpler and more restrained,” according to the organizing committee.In an announcement Tuesday, the group said they were reorganizing their staff in charge of planning the symbolic, and in recent years large-scale, productions. Hiroshi Sasaki will now head up planning the events.While making no mention of how the ceremonies’ formats will be modified, the group said they will still be a celebration and reflect the “overall simplification of the Games” while still taking into consideration the need for COVID-19 safety measures.The new productions are expected to add roughly million (US) to the cost of the opening and closing ceremonies, according to organizers.The 2020Tokyo Games were supposed to happen this summer. However, as the coronavirus spread around the world, the games were postponed in March to 2021.“We are working to deliver Opening and Closing Ceremonies that will be in tune with the situation next summer. The ceremonies will still be a great celebration to be enjoyed by the athletes and watching world but will likely take a simpler and more restrained approach designed to reflect the overall simplification of the Games and the potential need to still consider COVID-19 countermeasures,” the Tokyo Games Organizing Committee said in a statement.Sasaki is no stranger to Olympic ceremonies, he was responsible for the flag handover ceremony at the 2016 Rio de Janeiro Olympics and directed the one-year countdown event held in Tokyo this summer.“With Mr. (Hiroshi) Sasaki’s support, we will stage Opening and Closing Ceremonies that will be remembered for many years to come as symbols of the unity and symbiosis of humankind in its overcoming of the COVID-19 pandemic,” the committee stated.The Tokyo Olympics are now planned to open on July 23, 2021. 1884

What does it look like when galaxies collide? The Hubble Telescope captured a unique sight as two galaxies are in the process of merging.NASA says the galaxy, called NGC 1614, is about 200 million light-years from Earth and is the result of a “galactic merger” which has created a unique appearance. They call it “eccentrically shaped” and “ablaze with activity” in a statement on NASA’s website. It sits in the constellation of Eridanus.The result of the cosmic collision is a flow of interstellar gas from the smaller galaxy into the nucleus of the larger one, “resulting in a burst of star formation that started in the core and has slowly spread outward through the galaxy,” NASA says.Astronomers say NGC 1614 is one of the most luminous objects in the local universe. 780

WILMINGTON, Del. – President-elect Joe Biden addressed the nation Friday about the November jobs report that shows American companies are hiring at a slower pace as COVID-19 cases spike across the country.The report released by the Department of Labor Friday shows that the unemployment rate fell slightly to a still-high 6.7%. However, the gain of 245,000 jobs last month was the fewest added since the spring, when the pandemic and widespread quarantines forced mass layoffs.Biden started his remarks by calling the jobs report “grim.” He said it showed an economy that’s stalling and we’re in one of the worst economic job crises in modern history. However, he said it doesn’t have to stay that way.“If we act now, now I mean, now, we begin to regain momentum and start to build back a better future,” said Biden. “There’s no time to lose. Millions of people have lost their jobs or had their hours slashed. They’ve lost their health insurance or are in danger of losing their health insurance.”Biden said it’s deeply troubling that last month’s drop in unemployment was driven by people who are dropping out of the job market.“They’ve lost hope of finding a job or they’ve taken full-time caregiving responsibilities as child centers remain closed and their children learn remotely,” he said.Biden listed many sobering statistics that show how much Americans need relief during this crisis.“One in every six renters is behind in rent. One in every four small businesses can’t keep their doors open. And there’s a growing gap in Black and Latino unemployment, and the gab remains much too large,” said Biden.As he doesn’t take office until the end of January, Biden is calling on President Donald Trump and the current Congress to act in the interest of the American people now.“If Congress and President Trump fail to act by the end of December, 12 million Americans will lose their unemployment benefits they rely on,” said Biden. “Merry Christmas. The unemployment benefits allowing them to keep food on the table, to keep the lights on, and the heat on, pay their bills.”If lawmakers don’t act, Biden pointed out that emergency paid leave will end, the moratorium on evictions will expire, and states will lose the vital tools they need to pay for COVID-19 testing and public health.“If we don’t act now, the future will be very bleak,” said Biden.Biden did say he was encouraged by the bipartisan 8 billion relief plan that was proposed this week, but said more aid will be needed throughout 2021 in order to get the country back on track. The latest relief plan doesn’t include ,200 stimulus checks for Americans, but Biden said he’s not convinced it won’t be part of the bill in the end and added that it’s “still in play.”Biden also called for funding for COVID-19 vaccines and testing as the U.S. finds itself in its most perilous point in the COVID-19 pandemic to date.“We need to ramp up testing to allow our schools and businesses to operate safely. The sooner we pass the funding, the sooner we turn the corner on COVID-19,” said Biden.On Thursday, Johns Hopkins said that the U.S. reported record numbers of new COVID-19 deaths and infections. Since Halloween, more than 5 million Americans have contracted COVID-19 — a number that represents about 36% of all cases recorded since the pandemic began.Biden's remarks come days after he announced his picks for key economic positions in his incoming administration. Among them is former Fed chairwoman Janet Yellen, who Biden has tapped to run the Treasury Department. Yellen, a Keynesian economist who is not afraid to allow the government to intervene in the free market, will be tasked with working with Congress to get stimulus packages passed.Biden is also expected to announce his picks for key public health positions in the coming days. On Thursday, Biden said in an interview with CNN that he has asked Dr. Anthony Fauci to remain in his role as the head of the National Institute for Allergies and Infectious Diseases and asked him to be a chief medical adviser to his White House.At the end of his remarks, Biden took some questions from reporters. One asked for Biden’s reaction to those saying his Cabinet picks so far haven’t been diverse enough. He responded by saying his cabinet will be the “single most diverse cabinet” in U.S. history. 4332