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'Tis the season for spicy lattes, fast food turkey sandwiches and pumpkin-flavored everything.If you're a fan, you'd better act fast: They won't be around for long.That's by design. Seasonal items are an important marketing tool for the food industry, according to Alexander Chernev, a professor of marketing at Northwestern University's Kellogg School of Management.Limited releases almost give consumers a Pavlovian response. For example, when the weather turns colder, Starbucks customers habitually get excited about Pumpkin Spice Lattes. In November, customers come in to check out the new holiday cups."When you have these exclusive products, which exist for a short period of time, it gives people a reason to come to the store," Chernev explained.It's not just Starbucks that comes out with seasonal specials: Dunkin' Donuts announced a whole slew of pumpkin-flavored treats in August. McDonald's is getting ready for winter with the McRib. As the holiday season gets into full swing, we'll be sure to see Santa on Coca Cola bottles, turkey sandwiches from Subway and more. In the spring, it'll be Girl Scout cookie time.Related: The McRib is back at McDonald's For fast food chains in particular, which rely on familiarity, holiday items can offer consumers some variety."You need consistency because that's the brand mantra," said Chernev. "But no matter how much you like something, consuming something different ... increases the enjoyment of what you consumed before."Chernev says it's a neat marketing ploy: Although a specialty item may be exciting on its own, it can also remind consumers how much they like the basics.Seasonal offerings can also give brands a chance to test a new product. When Starbucks announced the return of the Pumpkin Spice Latte this year, it also unveiled the Teavana Pumpkin Spice Chai Tea Latte.And Chernev pointed out that seasonal menu items mean brands have something new to talk about every quarter.Starbucks says that's part of the rationale behind its seasonal drinks"We strive to provide our customers with unique, seasonal offerings to celebrate each season, and customer response has been extremely positive to that," a company spokesman said.Related: Hey, latte fans: Maple is having a moment this fallThere are some basic supply-and-demand economics behind limited-time releases too: Scarcity can build hype."It's a way to create excitement for the menu," said R.J. Hottovy, a consumer strategist for Morningstar.Items that might be popular for a few months probably wouldn't generate enough year-round demand.For example, when the McRib debuted in 1981, it was a dud. McDonald's pulled it from its menu four years later. Though it never achieved nationwide success, there were parts of the country where the McRib generated a solid enough fan base to bring it back every now and then."There's a lot of mystery around why the McRib comes and goes, but to be honest it's a local option based on consumer demand," a McDonald's spokesman said.The McRib works very well in the Midwest, but doesn't necessarily work as well in the coastal areas, Hottovy noted. That's why it makes sense to restrict the amount of McRibs that go on sale.Hottovy explained that sales typically rise for a short time when companies unveil seasonal items. But after a few weeks, that demand drops off after the core fans of the limited time product are satisfied.So enjoy your Pumpkin Spice Latte while it lasts. And let's be honest, you probably wouldn't want one in April.The-CNN-Wire 3526

This Thanksgiving will be different for everyone. Whether you're going to a small, socially distanced gathering or doing things virtually, this year’s holiday will be a first for everyone.However, there is one constant: uncomfortable conversations.The old adage is to not talk about religion, politics and finances as they are bound to be personal or create polarizing views that could put a rift between family members.This year has given no shortage of things to disagree on. Politics, the pandemic, racial justice, they all produce very strong opinions that can be on very different sides of the topic and elicit emotional responses. But whether you’re around a table or giving thanks over Zoom, these heavy topics can be talked about without ruining the holiday.“I think that for a lot of people, Thanksgiving is going to come with an extra layer of anxiety,” said Deanna Singh, Chief Change Agent for Uplifting Impact. “There are so many things we don’t have answers for. Internal conflicts, external conflicts, this year will come with an extra layer of anxiety but also hope it comes with an extra level of Thanksgiving.”Anxiety and stress are at all-time highs. The American Psychological Association says 60% of Americans are overwhelmed by the number of issues facing the United States right now and Generation Z, those who are 18 to 23 years old, are the most stressed. Roughly 1 in 3 people in the group report their mental health is worse than the same time last year.Singh says because of that, it’s important to recognize what you have to be thankful for this Thursday."We’ve been through a lot this year,” Singh said. “So, to be able to come together around the table and enjoy the people we love, I hope it comes with this extra layer of, ‘Wow. Let’s not take this for granted.’ This is big stuff.”The hot topic conversations also present the highest stress level for people. Eight out of ten people say the pandemic is a source of significant stress in their lives. Before the election, 68% of adults said they were stressed about it. That's up from 52% in 2016. Racial topics also bring about more stress with 59% of people saying police violence against minorities is a significant source of stress in their lives.It doesn’t mean you should avoid those “tough to talk about” topics altogether. There has been tremendous progress made on the racial justice front this year. After the killing of George Floyd, millions of people across the globe stood up against police brutality. It’s created a conversation on standing up for African Americans and being an ally.Around the dinner table, it may feel like an opportunity to share this newfound urge to stand up for racial equity. Singh says, it can be, if done appropriately so it has the most impact.She has three tips to have the most productive outcome from a tough conversation.Above all else, she says you need to check your own agenda before starting the conversation.“Understand what you are coming to the table with and what your purest intentions are,” Singh said. “It’s important to know what your agenda is and make sure your agenda isn’t like an, ‘I got you and I’m going to prove I’m the right person.’ I have never ever seen a conversation that starts with an agenda of, ‘I got you.’ If anything, it raises defenses.”It’s important to remember, as dug in as you are about your viewpoint and however correct you feel on the topic, someone else feels the exact same way about their own viewpoint. In order to be productive, Singh says it takes time to listen.“There are people with different views,” Singh said. “What an amazing opportunity to go to people you trust and love and try to expand your own thinking. Try and see things from a different perspective. I think it’s an amazing opportunity to learn.”Singh says it’s important to go into a conversation like this assuming your own opinion is wrong. It will help you gain empathy to someone else’s view and understand how you can explain your own view better.“It’s a humbling thing to think about, wow, I could be wrong,” Singh said. “No matter how vehemently you feel, start from that premise. That could allow for you to think about how to get to a conclusion or the space you want to move your audience to in a much more effective way. I have to be open to the fact that my ideology has holes in it. I will never convince somebody if I don’t understand them.”In order to be effective, it’s important to think about how you go about explaining your viewpoint. Singh says people have a tendency to explain their views in a way that makes sense to them but that could be counterproductive.“When people want to have difficult conversations, the way they prepare is the way they would want to receive the information and not in a way that’s best for the person they’re trying to have the conversation with,” Singh said. “Some people want facts or numbers and they need to see things on an Excel document and that’s how they make decisions. Other people really understand through stories or experiences. If you are going to wade into the water with people of differing opinions, one thing to prepare is to think about how they receive information and what’s the most effective for them.”Singh’s third tip is to be intentional. When it comes to politics, racial justice or how the pandemic is being handled, it can be easy to let your emotions get the best of you. She urges people to be able to address when something like that happens and acknowledge your interest in having a conversation.“Right now, I want to talk about how great the dressing is and this turkey and who made the mac n’ cheese?” Singh said. “Have that conversation when it’s appropriate. Let’s figure out a time when it would make more sense to have a conversation. There are certain spaces and places that are good for these conversations and you should do that. There are also certain places and spaces that are not.”By reeling in emotional responses, it can keep the conversation under control and prevent pushing loved ones farther apart.“One of the big things for me, I like to say I feel very uncomfortable right now,” Singh said. “I’m really, really emotional about what you said. I do not think I’m in a position to handle emotions that is respectful of you and respectful of me. I’m going to stop. I’m going to stop participating in this right now.”In order to de-escalate, Singh says it’s best to clarify what someone may have said. Asking, “What do you mean by that?” or “Can you tell me your reasoning behind that?” can be disarming ways to continue the conversation and help cooler heads prevail.Ultimately, ‘not talking about it’ may be less of an option now than ever before and Singh says that’s OK.“I would say this is a perfect opportunity for you to wade into those spaces if you’re feeling comfortable and feeling that calling,” Singh said. “It’s ok to do that. I would think carefully about where and how you do it. If you make a big scene of something and someone is already feeling defensive, what’s going to happen? More than likely, no matter how amazing they are as a person, they’re probably going to double down.”Singh has many other tips she is sharing in a webinar on How to be an Ally. Uplifting Impact is hosting the virtual webinar between Feb. 1 and Feb. 3. There is more information on the Uplifting Impact website.This story was originally published by Shaun Gallagher at WTMJ. 7424

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

TORONTO — Canada is introducing a contact tracing smartphone app that will notify Canadians of exposure to the new coronavirus.Prime Minister Justin Trudeau says the app will be voluntary and that if someone tests positive, other users who have the app and have been in proximity will then be alerted they’ve been exposed to someone who has tested positive.Trudeau says that the government will not collect any data from the app and users won't need to enable location services in order to use it.Governments around the world have been turning to smartphone technology to help battle fresh virus flare-ups as they ease lockdown restrictions. But technical problems and privacy concerns have dogged the development of virus tracing apps. 744

There’s a nationwide debate about whether the U.S. should find ways to get the coal industry back up or train workers for new jobs.In eastern Kentucky, families were rocked by a regional recession when the coal industry took a big hit seven years ago.'Their exact words were, 'Due to the decline in the coal market, we're going to have to let you go,' and suddenly I found myself in a place where I had no idea what to do,” said James Johnson, who was let go in 2014.Johnson, who worked as a coal truck supplier in Pikeville, Kentucky, was left at a crossroad. But Johnson found a way to stay in his hometown.He went from coal to coding."Going on four years later, we're still hanging in here," says Johnson, who learned coding with several other former coal workers.Johnson's story isn't unique. It seems like everywhere you go in Pikeville, people are finding ways to survive, outside of the coal.About 21 percent of mining jobs have been eliminated statewide since 2016, forcing people to explore other industries.After nine years working in the mines, resident Harvey Maynard had to look for a new career after being laid off 10 months ago. His skills brought him to baking!"Right now, it's baking donuts!” says Maynard. “Which is a huge change.”Maynard doesn’t just bake—he even decorates, too."Even as a kid I loved to draw, paint, and color,” says Maynard. “I was always very artistic."New jobs are even moving to the small eastern Kentucky city to help. A new distillery opened one month ago; the owners wanted to build there, specifically to help hire coal miners who were out of work.It was a blessing for people like Michael Preston, who after 16 years of working in the coal industry, decided to go back to school. Preston got his associates in electrical technology, and now, he’s the maintenance manager at Dueling Barrels Distillery.     It's a place you look forward to coming every morning,” says Preston. 1950

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