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The growing popularity of online ordering is giving rise to virtual restaurants, conceived only for delivery or take out.Many restaurant owners are whipping up dishes in their own kitchens that can only be accessed through third-party delivery apps like Grubhub and UberEats. Other restaurants are expanding their footprint with "ghost kitchens," where food is prepared for online orders only.The trend seeks to capitalize on the .8 billion online ordering market, the fastest-growing source of restaurant sales in the U.S., according to the NDP group. It also speaks to the power of third-party delivery apps, which have transformed expectations for speed and convenience. In many cases, those same platforms are extending their influence from how people get their food to what should go on the menu. 816

Thank you to Chad Oberholtzer and his kids Brooke and Drew for finding my wallet. Brooke and Drew told their dad to set the timer for 30 mins to see if they could "survive the wilderness " while playing in the neighborhood woods ???? they found my wallet i lost 12-15 years ago.. pic.twitter.com/TKtNw6SMaj— Richard K. Jones (@butlersheriff) January 7, 2020 370

The FIFA Women's World Cup is finally here, which means a few glorious weeks of top-tier soccer binge watching. Even if you're not into soccer, or hate that we're calling it soccer and not football like the rest of the world, the Women's World Cup should definitely be appointment viewing. Your Netflix queue can wait for another day.Here are all the reasons you should deck yourself out in your country's colors, grab a few friends and a responsibly portioned beverage, and give in to the soccer madness:The United States is actually IN this one -- and they're favored to win it all (again)The USWNT are a) the defending World Cup champs, b) stacked to the rafters with household names and returning stars, and c) 727

The Association of American Universities has released results of a survey they conducted looking into the sexual assault and sexual misconduct climate on college campuses.The survey is a follow-up to the organization's campus climate survey in 2015 and campus activities survey in 2017, and on a much larger scale. According to the AAU, 181,752 students participated in the survey from 33 colleges and 32 AAU member schools. In 2015, they had 150,072 respondents.Of the students surveyed in the 2019 study, nearly 60 percent were undergraduate students while 40 percent were graduate and professional students. Of those surveyed, 53 percent were from private institutions while 47 percent were from public. The survey also states that is has "one of the largest sample sizes of self-identified transgender, non-binary, and other TGQN students ever studied."Key findings from the study include:– The overall rate of non-consensual sexual contact by physical force or inability to consent since a student enrolled was 13 percent, with rates higher for women and transgender, genderqueer and non-binary people, than men.– In the case of the 21 schools who participated in 2015 and 2019, the rate of non-consensual sexual contact by physical force or inability to consent increased to 26.4 percent for undergrad women, 10.8 percent for graduate or processional women and 6.9 percent for undergraduate men"The survey found significant levels of sexual misconduct on campus, disparities in the prevalence of sexual misconduct among different categories of students, and changes from the 2015 results in student knowledge about sexual misconduct," the survey says.According to the report, women and people who identity as TGQN see sexual assault and other misconduct at the school as more problematic than men do.In addition, 77 percent of undergraduate women say that it is at least "somewhat" problematic at their school, while 72 percent of graduate women say the same. For those who identity as TGQN, 75 percent of undergrads and 56 percent of graduate students say it's "somewhat" problematic, while 45 percent of undergraduate men and 43 percent of graduate men say it's "somewhat" problematic. You can read the entire report 2247

The average 401(k) balance rose 17% last year to 2,300 from the end of 2018, according to a review of 17.3 million accounts by Fidelity Investments. The average individual retirement account, or IRA, balance rose the same percentage to 5,400.Surging markets around the world were a big reason for the growth: The S&P 500 index had one of its best years in decades with a 31.5% return. Investments of all types logged gains, from junk bonds to stocks from developing economies.But workers’ better savings habits also played a big role.Fidelity said the average worker set aside 8.9% of their pay in their 401(k) in the fourth quarter, a record. Combined with employer matches, the average total savings rate was 13.5% in the quarter, tying its record last reached in the spring of 2019.“Nobody can control the market, so the behaviors of people contributing to their 401(k)s are what get us the most excited,” said Katie Taylor, vice president of thought leadership at Fidelity. “We have people saving 13.5%, which is really close to the 15% that we recommend. That’s a great story.”In many cases, workers may not even realize they’re saving more. Most employers give the option for workers to automatically increase their contributions each year, without having to do anything. Some employers even automatically sign up their employees for these auto-escalation programs, requiring them to opt out if they don’t want their contribution levels to steadily rise.Such features are on top of programs where employers automatically enroll new hires in the 401(k) plan. They all lean on the power of inertia to help workers build up bigger nest eggs. It’s a sharp turnaround from earlier years when workers had to take an extra step to join the 401(k) plan and fill out paperwork whenever they wanted their contribution levels to change.“There’s always a way, if you don’t want to do it, where you can unenroll, but these automatic programs have been a game changer,” Taylor said.Consistent contributions — and giving them time to grow — are keys to building bigger portfolios. Among workers who have been in their 401(k) plan for 10 straight years, the average balance rose to a record 8,200, according to Fidelity.Such figures, though, count only people who have a 401(k). Many lower-income workers, particularly at smaller employers, could not save in a 401(k) even if they wanted to because their companies don’t offer access to one. Legislation passed late last year aims to make it easier for smaller employers to band together and offer plans.Nearly half of all U.S. households aged 55 and over, 48%, had no retirement savings at all as of 2016, according to estimates from the Government Accountability Office. 2737

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