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This year, the number of school shootings in the United States has dropped tremendously because of the pandemic.According to the Center for Homeland Defense and Security, there has only been one shooting inside a school building since March; an accidental discharge of a firearm inside North Forney High School in Forney, Texas that happened before pandemic shutdowns began.It may be one silver lining in a year many wish to forget.But just because numbers are down, does not mean schools are not still prioritizing active shooter drills.According to Everytown for Gun Safety, a public advocacy group, 95 percent of K-12 schools implement active shooter drills, but the number can vary by state. For instance, in New York State, schools are required to have four lockdown drills per year, whereas in New Jersey the requirement is two.Since the pandemic started, most states have required those same number of drills despite some students choosing to learn from home, in-person restrictions, and social distancing.“We had to redesign the entire drill,” said John McDonald, executive director of security and emergency management at JeffCo Public Schools in Colorado. “We had to redesign what it looked like. How do you socially distance when you’re locking down?”McDonald laid the blueprint for school safety across the country when he was brought in by the JeffCo Public School District to implement new safety measures after the Columbine School Shooting in 1999.In the COVID-19 world, students in his school district are now learning about active shooter drills through a three-minute video presentation he helped design.“We have kids learning [these active shooter lessons] since kindergarten,” said McDonald. “So, this helps supplement that and reinforce that muscle memory.”In the Syracuse School District in New York, however, the drills are a little different than in Colorado.“I think that there’s always a need to balance the safety of the potentially very worst day with the challenges of safety and student well-being that schools face every single day,” said Jaclyn Schildkraut, a criminal justice professor at SUNY-Oswego.Schildkraut helped the Syracuse school district redesign its plans following COVID-19. Instead of the normal drills, where a full class might huddle together out of sight of windows, Schildkraut says students are now broken up into smaller groups of four students to help reduce close exposure to one another during drills.She says those groups also practice the drills on different days to keep things efficient.Schildkraut and McDonald agree that since the pandemic, the drills focus on threat assessment. In day-to-day school functions, COVID-19 is the primary threat to student safety, so social-distancing rules are implemented even during drills. But if an emergency arises, they say that becomes the more imminent threat so that will be treated as the priority, even if it means social distancing cannot be followed.“If we have to go into a lockdown while we’re in school, even in the COVID world, we’re going to go into lockdown because that’s the threat that’s in front of us in that moment in time,” said McDonald. 3167

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

Therapists are volunteering their time to help health care workers during the coronavirus pandemic.A nonprofit called The Emotional PPE Project is connecting medical workers in need with licensed mental health professionals. They can contact each other directly.“We think that's actually very important, because there are so many barriers to people receiving help, one of them being concerns about licensing implications or concerns about stigma,” said Dr. Daniel Saddawi-Konefka, Board Director and Co-Founder of The Emotional PPE Project.Saddawi-Konefka says it started with a simple text from his neuroscientist neighbor in March, saying “what can I do to help?”Together, the two of them created the online directory for volunteer therapists.While others were talking about ventilator and PPE shortages, Saddawi-Konefka realized resilience would be a crucial problem.“Health care workers, they experience higher levels of burnout, higher levels of depression, and despite that are less good at asking for helping, are less good at reaching out for help,” said Saddawi-Konefka.The group hopes to keep the program alive through the pandemic. They're hoping to work with the volunteer therapists for future plans. 1221

Tim Hortons is offering up a safe alternative to trick-or-treat this year amid the coronavirus pandemic.The fast-food chain said in a press release that customers can trick-or-treat in the drive-thru this Halloween.If you wear a costume, you'll receive a free Halloween donut, the company said.The Canadian doughnut chain says the donut is covered with chocolate fondant and topped with orange sprinkles.If you don't feel like wearing a costume, you can purchase the specialty treat for 99 cents.Tim Hortons says the limited-time offer is only available at its U.S. locations. 584

This morning, I tested positive for COVID-19. I am experiencing mild symptoms, and am following all appropriate protocols, including being in quarantine and conducting contact tracing.— Andrew H. Giuliani (@AndrewHGiuliani) November 20, 2020 249