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There’s a common anxiety dream that involves walking into a classroom to discover it’s the day of finals and you haven’t cracked a book all semester. Then there’s the waking dream a lot of Americans have — the one where you’re getting ready to retire but haven’t saved enough money to cover expenses if you stop working.Just six in 10 workers report having saved anything — anything — for retirement, according to the Employee Benefit Research Institute, so a lot of people today may be losing sleep over their future finances.Even those who are making a diligent effort to prepare for their golden years are falling short: Data from workplace plan administrator and fund giant Vanguard shows that just 18% of workers save the 10% or more of income that experts recommend squirreling away for retirement. More than a third are putting away less than 4%. (Unclear where your savings stand? A retirement calculator is a good place to start.)Suspect you’re behind? Here are 13 ways later-in-life savers can address anemic retirement portfolios before it’s too late. 1080

They say the only way to overcome an addiction is to first admit you have one. If you look around, a majority of Americans have an addiction to their smartphone. On average, we check our phone nearly 100 times a day. Jamie Gallegos says, her phone is her “contact to the world.” She always has her phone on her and when she doesn’t she has anxiety.Dr. Patrick Fehling says, it’s easy to get addicted to your smartphone, because it has so much to offer.Dr. Fehling compares smartphones to drugs like Xanax and Heroine. “They are incredibly responsive and you get immediate gratification and that seems to be very connected to addiction as a whole. Most of the drugs that are the most addicted drugs of abuse tend to be incredibly fast on and fast off.” Gallegos uses her phone throughout the entire day. She’s guilty of checking her phone, even if it never goes off. But, how do you know you’re addicted to your smartphone?Dr. Fehling says to look out for signs like you are “on your phone all the time getting into arguments with your spouse, getting into fights with your family, and everyone is asking why can’t you be more engaged or pay more attention to them instead of being distracted by these mobile devices.”If these situations aren’t happening in your life, Dr. Fehling says symptoms come along with addiction too. For example, “anxiety, symptoms of depression or sadness, irritability or sleep problems. If you get up at night needing to check your phone.”If you are addicted to your phone and are looking to disconnect without having major withdrawals, Dr. Fehling says there are simple tasks you can do to help. “When you get into your car put your phone inside your glove compartment. You can’t actually look at it, you are not drawn to it. When you plug in your phone at night, put it on a different floor of your house.”It’s best to set concrete boundaries for yourself and your phone usage. Make them small enough to achieve daily, but large enough to see progress long term. 2035

Tijuana, B.C. (KGTV) — As Christmas approaches, decorations are up around Tijuana but much of the city has shut down. According to ABC 10News’ media partner Televisa, the state of Baja California has had almost 27,000 COVID-19 cases and nearly 5,000 deaths since the start of the pandemic.For comparison, San Diego County's had startling 97,549 cases but far fewer deaths. As of Thursday, 1,103 deaths had been reported.On Thursday morning, ABC 10News spoke to Televisa anchor Estephania Báez about how hospital capacities across the border are maxed out, pulling the city out of its less restrictive orange tier and back into its most restrictive red tier. That hasn’t happened since the summer.“The difference between now and then is that now people don't have fear with COVID-19 here and [people have] to go to work so they prefer to [become] positive rather than to lose a day of money,” she added.Baez said there's concern over both apathies to wearing masks and resistance to any news of a vaccine. “They don't even want to get vaccinated. We have heard in several places that people are afraid and they don't trust even the authorities,” she told ABC 10News.Baja California's red tier restrictions are in place through at least Dec. 20, meaning widespread closures. “That includes schools, gyms, spas, museums, pools, movie theaters, churches, and amusement parks,” said Baez. Restaurants and hotels can operate at a very limited capacity.Televisa also reports that the high cost of testing and limited locations to get testing done continues to be a deterrent for many people. 1592

This year has been … wild. As many of us look ahead to 2021, it’s probably with a mix of hopefulness and optimism.The Pantone Color Institute, the color authority in the design industry, has revealed that the Color of the Year for 2021 is actually two colors, Ultimate Gray and Illuminating Yellow.“The selection of two independent colors highlight how different elements come together to express a message of strength and hopefulness that is both enduring and uplifting, conveying the idea that it’s not about one color or one person, it’s about more than one,” said Leatrice Eiseman, Executive Director of the Pantone Color Institute, in a press release.“Practical and rock solid but at the same time warming and optimistic, this is a color combination that gives us resilience and hope. We need to feel encouraged and uplifted, this is essential to the human spirit,” Eiseman added.This is the first time a shade of gray has been selected. Next year will be the second time two colors will share the spotlight, the first time was in 2016.Pantone has been selecting a Color of the Year for the last 22 years. The selected color typically influences packaging and product development."Our goal is to engage people in a conversation around color," Laurie Pressman, vice president of the Pantone Color Institute, told CNN. "It has to be organic. It has to be truthful to what's taking place."This color combination already popped up on fashion runways this fall, and will likely be seen on more products, apparel, home furnishings and packaging.They had selected Classic Blue for 2020, as a sense of reassurance as the world moved into a new decade."In retrospect, now we look back at it and think, 'Well, that was a fortuitous choice for the year,'" Eiseman told CNN recently. 1784

Those looking to make a smaller carbon footprint when they eat out or order food have a new option. Panera announced this week they will label items on their menu that have a low impact on the climate as “Cool Food Meals.”Panera is partnering with the World Resources Institute to identify climate-friendly entrees, with a low impact on the climate. The company says about 55 percent of their entrees have the “Cool Food Meal” designation.“At Panera, we are passionate about keeping the customer at the heart of everything we do, and that includes giving our guests choices to lower their impact on climate change through the food they eat in our bakery-cafes,” said Niren Chaudhary, Chief Executive Officer, Panera Bread in a press release. “Understanding the impact of what we eat on the environment is one way we can all take a small step toward combating climate change.”The World Resources Institute says they recommend Americans try for 3.59 kg CO2e at breakfast, and about 5.38 kg CO2e for lunch or dinner.These benchmarks represent a roughly 38 percent decrease from current averages, which will help the country meet environmental standards established in the Paris Agreement on climate change.In general, plant-based foods have a lower impact on the environment than meat or daily products. However, it’s also about moderation.The WRI looks at entree ingredients to determine its carbon footprint accounting for emissions during the agricultural supply chains and land used to produce the meal.Some of the items that get the new designation include Panera’s broccoli cheddar soup, Fuji apple chicken salad, and Mediterranean bowl.Roughly 25 percent of greenhouse gas emissions are from agriculture and related deforestation, according to WRI. 1760

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