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There are more than 118,000 teens and children waiting to be adopted in the United States. Now, one group hopes to find parents for these children and using a new PSA to get attention.Isaiah lived in a foster home until he was 16 years old. Then, his social worker introduced him to Amy Arnston and her family."I knew I wanted to be part of their family as soon as I went there that weekend," Isaiah says.The couple had him over for Thanksgiving."They were pretty funny and outgoing people, so I got pretty comfortable with them after a while."A seat at that table turned into forever."I couldn't imagine not having my parents and my family in my life right now,” says Isaiah.However, many children Isaiah's age aren't so lucky.That's why AdoptUSKids is out with new PSAs, showing impactful moments of teenagers’ lives. Memorable moments parents play a big part in.The organization’s hope is more parents will look at adopting older children like Isaiah.They're hoping more parents will look at adopting older kids like Isaiah."[We] took him in as an Arntson. He became my son instantly," says Amy Arnston."There's a kid out there that needed that love that I needed when I was 16," Isaiah says. 1203

Toys “R” Us has officially stopped all their online sales.RELATED: 9 things to know about Toys R Us' liquidation saleAccording to a message on the company's website, their website has been shut down, but customers can still visit brick and mortar stores to take advantage of going out of business sales. This recent move has many worried that they are now running out of options to use their gift cards. However, there is one option consumers can take advantage of until Thursday, April 5.RELATED: Use your Toys "R" Us gift cards, store credit and rewards by April 15 and don't expect a refundBed Bath & Beyond posted on their Facebook that they are accepting Toys "R" Us and Babies "R" Us gift cards at a discount and turning them into e-gift cards that shoppers can spend in their stores or online.According to Bed Bath & Beyond's?card exchange website, they will accept any gift cards that have a balance of or greater — even if the card is partially used or has an uneven balance. Those interested in trading in their gift cards should visit https://bedbathandbeyond.cardcash.com/. Just keep in mind, the offer ends on Thursday, April 5, at 11:59 p.m. EST.  1243

This is a battle that could shutter some classrooms indefinitely.Hundreds of Oklahoma teachers filled the state Capitol for a second day Tuesday, demanding an additional 0 million in school funding and increased raises for themselves and support staff.Their walkout comes days after the state approved some raises and school funding -- but only a fraction of what the teachers' union demanded.So despite school cancellations and even the risk of discipline from some districts, teachers say they won't budge."We will hold the line until hell freezes over, and then we will be here on ice skates," Muskogee High School teacher Diane Walker said. "We love our kids." 675

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 Labor Day Weekend, Denver is basking in 90-degree heat. As Labor Day comes to a close, the city could be buried in several inches of snow.Despite the major heat wave sweeping the Rocky Mountains, a cold front is set to sweep across parts of Rockies, bringing freezing cold and even some snow.“A significant change in the weather will occur late Monday into Tuesday,” the National Weather Service said. “Temperatures will plummet behind a strong cold front with rain and snow forming. Snow levels will drop sharply and accumulating snow is likely across the mountains and foothills."The National Weather Service also warned the area for possible power outages due to the snow falling on live vegetation.The weather is just as extreme in Cheyenne, Wyoming. The area is under a red flag warning for possible fires as temperatures will reach the 90s this weekend. By Tuesday, the area could have several inches of snow.The high temperature is expected to drop from 94 this weekend to 37 on Tuesday in Cheyenne. 1019

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