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There’s a new trend in engagement rings.Instead of a diamond ring around your finger, a diamond is embedded in your finger.“We notice lately a lot of people coming looking for that,” Sam Abbas, who owns NYC Ink Studio in the West Village, told Hsu.Apparently, some millennials are ditching the usual engagement ring and instead piercing their ring fingers.“I think it looks nice, but if you really think what it’s doing to the body – and you can have scarring – it’s so many complications that can happen from it,” Cynthia Rivas said.Abbas said there could be problems if the person doesn’t take care of the piercing, such as cleaning it two to three times a day and making sure the piercing artist has experience.“You’re dealing with the blood, so you got to be very, very safe,” he said. “What we do, we sterilize everything.”A piercing artist marks the spot with a pen, cleans with alcohol and iodine, uses a tool to remove a small patch of skin, and then inserts an anchor made of titanium or gold, which holds the gem, Hsu reported.The whole process takes about 10 minutes and costs around 0 for the piercing. The diamond you choose is a separate cost.As for the pain?“You’re going to feel it. You’re getting pierced. It is a little bit painful. But people did it, and I have a lot of people who say, ‘Oh nice, it’s nothing, I expect more,” said Abbas.Dermatologist Dr. Monica Halem told Hsu she has some concerns.“First of all, these procedures are not being done by a doctor, and it is a surgical procedure,” she said. “There are a lot of important structures that sit right under the skin there that can easily be damaged, like tendons.”There’s also the danger of the diamond snagging.“That’s sitting right above the skin, that’s easily caught on something and can do a lot of damage,” said Halem.She said you should think carefully before going for the new trend.Healing from this kind of piercing can take up to 20 weeks. If you want the diamond removed, that’s possible but more painful than the initial piercing. 2035

This article provides information and education for investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.If you’ve ever wondered how your retirement savings stacks up against your peers, you’re in good company. The desire to know where you land in the sea of retirement savers is natural, and it can help either kick-start more progress or give you a feeling of satisfaction. But no matter how the numbers make you feel, they may not be the best measure of whether you personally are on track for retirement.What is the average retirement savings?The 2019 Survey of Consumer Finances shows that the average retirement savings for all families is 5,130. The median retirement savings for all families is ,000.Taken on their own, those numbers aren’t incredibly helpful. There are a variety of decent retirement savings benchmarks out there, but how much money other people have isn’t one of them. Even breaking the numbers down by age won’t give you a great picture of where your own finances should be. After all, age is just one factor in how much you should save for retirement — and not everyone who is the same age will retire at the same time.But retirement savings balances do tend to increase with age, as they should — the closer you are to retirement, the more you should have stashed away. (If you’ve been struggling to fund retirement accounts, our guide on how to save money will help.)How much each age has saved for retirementA little fine print upfront: Because averages can be heavily skewed by outliers — in other words, the savings over- and underachievers in each group — we’ve also included median balances. The median can often provide a more representative number than the average, and you’ll notice that the median numbers are quite a bit lower than the averages. (All data is from the 2019 Survey of Consumer Finances, unless otherwise noted.)It’s also worth noting that both figures include only those who have retirement holdings — there are many people of all ages who do not. In 2019, only about half of families owned any kind of retirement account.Under 35Average household retirement savings: ,170Median household retirement savings: ,000Let’s start with millennials; they’re used to being under the microscope. In 2019, 45% of families headed by someone under age 35 had retirement accounts — meant here to include IRAs, Keoghs and certain employer-sponsored accounts such as 401(k)s, 403(b)s and thrift savings accounts.Of the families in this age group who have retirement holdings, the average value of those holdings is ,170, and the median value is ,000. In other words, 3,352 and 1,444 pieces of avocado toast, respectively.If you’re not sure how much you should save for retirement, it’s best to get an idea for it sooner rather than later — you don’t want to be heading into retirement without enough saved.Ages 35 to 44Average household retirement savings: 1,950Median household retirement savings: ,000This age range encompasses the oldest millennials and the youngest of Generation X. More than half (56%) of households headed by someone of this age have retirement accounts, according to the data.The average and median values of this group’s retirement holdings are significantly higher than those of the under-35 set. These are strong earning years alongside peak spending years. Particularly for those who have kids, dollars may be stretched around paying for child care, saving for college and saving for retirement. If you’re looking to increase those retirement savings, an IRA can be a great way to do it.Ages 45 to 54Average household retirement savings: 4,720Median household retirement savings: 0,000This group is still part of Generation X, with the oldest members about a decade from what’s considered the standard retirement age. About 58% of households headed by someone this age have retirement holdings, according to the SCF.These can be peak earning years, especially for men, who see earnings growth until age 55, according to compensation research firm PayScale. The company’s research shows women top out over a decade earlier, at 44.Ages 55 to 64Average household retirement savings: 8,420Median household retirement savings: 4,000These are baby boomers, and the oldest among them are knocking on retirement’s door — just a couple of short years from Social Security’s definition of full retirement age. About 54.5% of households headed by a baby boomer have retirement holdings.Ages 65 to 74Average household retirement savings: 6,070Median household retirement savings: 4,000The bulk of these households include someone who is in retirement, or at least of retirement age. As a result, many are at the stage when they are probably spending, rather than accumulating, savings. According to the SCF, 48% of this age group have retirement accounts.After this point, average and median retirement account values begin to fall, as does the percentage of people who have retirement accounts. For households headed by someone age 75 or older, the median value of retirement holdings is ,000, with an average holding of 7,920.What do these numbers tell you?The headline here: Most people aren’t saving enough for retirement and are entering retirement with very little stashed away.“If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.”That’s just one reason why the average retirement savings for someone your age isn’t a benchmark. If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.How much you should have saved, and how much you should be saving, have nothing to do with where others your age stand. It has everything to do with your income, planned retirement spending, expected retirement age and life expectancy.If you want to find out how much you personally will need to retire, aretirement calculator can help. And if that calculator tells you you’re behind? An IRA is a good place to start catching up.More From NerdWalletSure, Stocks Are Fun. But ETFs Are SmartThe Upsides to Thinking About When You Will Die4 Tax Triggers New Investors Need to Know AboutAlana Benson is a writer at NerdWallet. Email: abenson@nerdwallet.com. 6422

THORNTON, Colorado – The three victims of Wednesday’s shooting at a Thornton Walmart were identified Thursday afternoon by the coroner’s office for Adams and Broomfield counties.They are 52-year-old Pamela Marques of Denver, 66-year-old Carlos Moreno of Thornton, and 26-year-old Victor Vasquez of Denver.Carlos Moreno was a structural trades technician at the Auraria Higher Education Center in Denver, the campus confirmed to Denver7 television station. Family members of Moreno’s also wrote on Facebook that he had been killed.“I am in shock,” wrote a niece of his. “Please keep his wife and kids in your prayers. This is such a great loss to our family.”His cousin wrote on Facebook: “Carlos was a good husband, father, grandfather, cousin, friend man. I am blessed to have had you in my life. Please pray for the family.”Victor Vasquez was a father of two young girls and had another child on the way, according to his fiancé and a GoFundMe page started by a family friend.His fiancé told Denver7 she was “completely distraught” by Vasquez’s death.Police arrested 47-year-old Scott Ostrem Thursday morning in connection to the shooting. He escaped the Walmart after allegedly shooting the three people, and was arrested just blocks away from his apartment.IMAGES | Photos capture chaotic scene after Thornton Walmart shootingHe has a history of run-ins with police in the Denver area, and was described as neighbors as “weird.” One neighbor said they had seen Ostrem carrying a rifle bag to and from his vehicle on several occasions.He worked for a Frederick roofing company and walked off the job Wednesday, according to the company.Denver7 is working to gather more information about the victims of the shooting. Stay posted to this story for updates. 1781

Thousands of youth sporting events were canceled this spring due to the COVID-19 pandemic.It's tough enough that kids are missing a whole season of baseball or soccer. But now, soccer moms and dads everywhere are growing frustrated.Many paid hundreds of dollars for their kids to participate in spring soccer leagues that ended up canceled, and refunds are turning out to be elusive. Some families paid over ,000 for two children to join private clubs.One weekend of play, 0 goneJulie Hooper is the mother of a third-grader who only got to play one weekend before the season was shut down."For the spring soccer league, we paid 5," she said.When parents called the head coaches after the cancellation, they did not get what they had hoped."We asked where our money is, and they are keeping all of it and told us we get a 10% discount if we sign up for next season," she said.Hooper said she would understand had they at least continued training, but there have been no tournaments, games or practices, and the club still has the parents' money."I've heard from other teams, other clubs, that they would get money back from tournaments not played," she said.Where is the money?But many clubs are not giving refunds. News reports and Facebook complaints show soccer parents nationwide are asking where the money has gone.Some teams say they prepaid for tournaments and are having problems getting those deposits back from larger sporting organizations. Others say much of the money went to field maintenance and insurance, and those funds are gone for good.Hooper said she doesn't expect a full refund, but "to pay 5 and get so little, it just seems like we should get something back. We feel we are deserving of that because we are all going through hard times."Some soccer clubs are applying for federal pandemic assistance and using that money to refund parents because they say they simply don't have the cash in the bank to give families their money back.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 Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2275

This weekend marked the most air traffic seen in US airports since the start of the pandemic. While on the surface, it would seem that many are disregarding the advice of public health experts, but data shows many, if not most, are heeding advice set forth in recent weeks.Last week, the CDC advised Americans not to travel for Thanksgiving, and instead opt for virtual Thanksgiving gatherings, or limit celebrations to those within the same household. The guidance comes amid a record surge of COVID-19 throughout the United States, with an average of 1,400 coronavirus-related deaths per day in the US in the last week.With hospitals already reaching capacity in many states, there are fears that holiday travel will cause hospitals to go over capacity.According to TSA data 1,019,836 travelers passed through security checkpoints in US airports on Friday. While Friday was just the second day that air traffic surpassed 1 million domestically since March, the same day last year had 2.5 million travelers.On Sunday, 1.05 million travelers passed through security checkpoints, the most since March, but the same day last year had over 2.3 million passengers. The data indicates that air travel is down at least 50% in the days leading up to Thanksgiving compared to years past.While fewer travelers might mean airports are less crowded, that does not mean planes are less packed. A number of airlines have slashed the number of routes in an effort to save money. This has resulted in fewer options for passengers.As there are still many Americans disregarding guidance to stay home this Thanksgiving, some are traveling for practical reasons. Many colleges and universities are not going to have in-person classes resume after Thanksgiving in hopes of reducing the spread of the virus on campuses.Although not as many Americans are expected to travel for Thanksgiving as usual, 56% of Americans are intending on traveling according to data from Tripadvisor. Tripadvisor says that this year's figures are down from an estimated 70% of Americans traveling in 2019.Tripadvisor surveyed Americans from October 16 to 20, so it is possible increased travel restrictions associated with a rise in cases could scare off some from traveling by Thanksgiving. Many states are telling travelers to quarantine for two weeks before coming into contact with others.In an interview with the Washington Post on Monday, Dr. Anthony Fauci said that if Americans don't follow common-sense public health measures over the Thanksgiving holiday, that it could exacerbate the current spike in cases. He said that within two or three weeks, the already steep spike in cases could become even steeper."The chances are that you will see a surge superimposed on a surge," Fauci said. 2765