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There is something unique about places like Montana. There is an uncertainty to what you could find in “Big Sky Country.”That is a quality that has always driven Joseph Haas’ guide and outfitting business, A Lazy H Outfitters. But this year has brought a kind of uncertainty, unique to anything he’s faced before."By February, it just cratered to almost zero at all in terms of requests for even any information at all," Haas said. “It was, it was scary.”This time of year, people travel from all over to have Haas lead them on multi-day horseback tours through the Montana wilderness, usually."We have very few customers from the east or west coast, California in particular, we are seeing almost nothing from California," Haas said.Haas' business is located in Choteau, Montana, a town with a population of about 1,700 people. Summer is usually the busy season in the community, which located along the shortest route between Glacier National Park and Yellowstone National Park.“I would think that we’ve probably had at least 95% of the events we had booked canceled and reservation-wise," said Barb Bouma, who owns the Stage Stop Inn in Choteau.The American Hotel and Lodging Association says hotel occupancy levels might not recover until 2022 nationwide. Bouma doesn’t know if her hotel will make it that far.“It’s not sustaining itself. How long we can go, yeah I’m not sure," Bouma said.Like many business owners in the pandemic, Haas has had to cut back."Right now, I have one person. Normally, I would have two or three in the summer," Haas said about the number of employees he has getting gear ready for his trips.He says reservations for his business have started to pick up again. He also says reservations for hunting trips he offers are booked years in advance and have held steady.As Haas starts to lead people back into the wild to show off the rugged uncertainty of “Big Sky County,” he hopes the struggles he’s faced this year stay unique to 2020.“There’s so much more known about the coronavirus now," Haas said. "If they can travel, the known will outweigh the risk for people.” 2107
TIJUANA, Mexico (AP) — Migrants in a caravan of Central Americans scrambled Wednesday to reach the U.S. border, arriving by the hundreds in Tijuana, while U.S. authorities across the border were readying razor wire security barriers.Mexican officials in Tijuana were struggling to deal with a group of 357 migrants who arrived aboard nine buses Tuesday and another group of 398 that arrived Wednesday."Mexico has been excellent; we have no complaint about Mexico. The United States remains to be seen," said Josue Vargas, a migrant from Honduras who finally pulled into Tijuana Wednesday after more than a month on the road.U.S. Defense Secretary Jim Mattis, meanwhile, went to visit U.S. troops posted to the border in south Texas and said the deployment provides good training for war. President Donald Trump has said the caravan of migrants amounts to an "invasion."RELATED: Video shows people climbing on top of fence at Border Field State ParkThat didn't deter arriving groups of Central Americans from going to a stretch of border fence in Tijuana to celebrate.On Tuesday, a couple of dozen migrants scaled the steel border fence to celebrate their arrival, chanting "Yes, we could!" and one man dropped over to the U.S. side briefly as border agents watched from a distance. He ran quickly back to the fence.Tijuana's head of migrant services, Cesar Palencia Chavez, said authorities offered to take the migrants to shelters immediately, but they initially refused."They wanted to stay together in a single shelter," Palencia Chavez said, "but at this time that's not possible" because shelters are designed for smaller groups and generally offer separate facilities for men, women and families.But he said that after their visit to the border, most were taken to shelters in groups of 30 or 40.With a total of three caravans moving through Mexico including 7,000 to 10,000 migrants in all, questions arose as to how Tijuana would deal with such a huge influx, especially given U.S. moves to tighten border security and make it harder to claim asylum.On Wednesday, buses and trucks carried some migrants into the state of Sinaloa along the Gulf of California and further northward into the border state of Sonora.The bulk of the main caravan appeared to be about 1,100 miles (1,800 kilometers) from the border, but was moving hundreds of miles per day.The Rev. Miguel Angel Soto, director of the Casa de Migrante — House of the Migrant — in the Sinaloa capital of Culiacan, said about 2,000 migrants had arrived in that area. He said the state government, the Roman Catholic Church and city officials in Escuinapa, Sinaloa, were helping the migrants.The priest also said the church had been able to get "good people" to provide buses for moving migrants northward. He said so far 24 buses had left Escuinapa on an eight-drive to Navojoa in Sonora state. Small groups were reported in the northern cities of Saltillo and Monterrey, in the region near Texas.From Sonora, some migrants said they had already caught buses from to Tijuana.About 1,300 migrants in a second caravan were resting at a stadium in Mexico City, where the first group had stayed last week. By early Wednesday, another 1,100 migrants from the third and last caravan had also arrived at the stadium.Like most of those in the third caravan, migrant Javier Pineda is from El Salvador, and hopes to reach the United States. Referring to the first caravan nearing the end of the journey, Pineda said "if they could do it, there is no reason why we can't."It is unclear whether the two caravans would merge or when they would set out on the road north.Many say they are fleeing poverty, gang violence and political instability in the Central American countries of Honduras, Guatemala, El Salvador and Nicaragua.Mexico has offered refuge, asylum or work visas, and its government said Monday that 2,697 temporary visas had been issued to individuals and families to cover them during the 45-day application process for more permanent status. Some 533 migrants had requested a voluntary return to their countries, the government reported.The U.S. government said it was starting work Tuesday to "harden" the border crossing from Tijuana ahead of the caravans.Customs and Border Protection announced it was closing four lanes at the busy San Ysidro and Otay Mesa ports of entry in San Diego, California, so it could install infrastructure.That still leaves a substantial path for the tens of thousands of people who cross daily: Twenty-three lanes remain open at San Ysidro and 12 at Otay Mesa.San Ysidro is the border's busiest crossing, with about 110,000 people entering the U.S. every day. That traffic includes some 40,000 vehicles, 34,000 pedestrians and 150 to 200 buses.___Maria Verza contributed from Escuinapa, Mexico. 4804

To end the pandemic, there need to be enough people immune to COVID-19 and there are two ways to do that: immunity through infection or from a vaccine."I think racing to herd immunity is the dangerous thing that I’m concerned about," said Dr. Stuart Ray, a professor of medicine at Johns Hopkins University School of Medicine.Herd immunity is when the spread of the infection cannot be sustained because the number of people who are immune is high enough. Some countries are considering it as a strategy to combat COVID-19.But Ray said it could not work in the US unless much more effective treatments are developed.He says on average, a newly infected person infects two others, so to have herd immunity from COVID-19 about 60 percent of people would have to become immune."We would have something like another 100 million people, maybe more, infected. 150 million more and even if the major complication rate is a fraction of 1 percent, we will still have huge numbers of deaths," said Ray.He said we also don’t know if just having had the infection once will create lasting immunity to control the spread."It possible that you could be immune enough not to get sick and still not immune enough to prevent that spread and so herd immunity is a tough bar for us to aim for because not only do we need 60 percent of people to be immune but we need them to be immune in a way that prevents them from infecting other people," said Ray.The other way to achieve herd immunity would be through a vaccine."Vaccines can work better, provide better immunity than the natural infection does. The new shingles vaccine provides great immunity and protects more than 95 percent of people from getting shingles," said Ray.Several vaccines are still going through the last phase of clinical trials to see if any also creates enough immunity to prevent passing the virus along.This story was first reported by Abby Isaacs at WMAR in Baltimore, Maryland. 1946
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
This is Andre K. Sterling, who was wanted for the Nov. 20 ‘traffic stop’ shooting in #CapeCod of ?@MassStatePolice? trooper John Lennon. Lennon survived. 3 US Marshals in NY were wounded executing search warrant for Sterling, who was killed in shootout pic.twitter.com/8QZYC3BoWM— Mary Murphy (@MurphyPIX) December 4, 2020 331
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