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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

Those wanting to become U.S. citizens are now taking a new test, one that has twice as many questions as the previous one, and potentially controversial answer choices according to media reports.Test-takers are now asked to answer 20 questions, from the previous 10; getting 12 correct is needed to pass, the same percentage that was needed on the previous test. However, the new test requires test-takers to give some answer for all 20 questions, the previous rules only required that a test-taker get 6 correct and the officer could stop asking questions once a person got 6.Some immigration and naturalization experts worry the length change could reduce the efficiency of the citizenship application process, which has been struggling to keep up with a backlog according to FOX News.“The administration is adding hundreds of thousands of more minutes to these naturalization exams,” Sarah Pierce, a policy analyst at the nonpartisan Migration Policy Institute told FOX News.The new test, which started being given on December 1, 2020, does away with geographical questions, in addition to other changes, like having to name all three branches of government instead of just one, or knowing biographical details about Alexander Hamilton, James Madison and Dwight Eisenhower. The questions come from 128 potential civics-related topics, according to Politico.One change getting some attention is the verbiage of two answers. The previous answer to the question about whom U.S. Senators represent was “all people of the state.” Now, the official study guide says the only approved answer is “citizens of their state.” Similarly, the answer to a question about who a Representative represents was changed to be “citizens in their district.”The exams are given orally, so it is not clear if every U.S. Citizenship and Immigration Service officer giving the test will require the word “citizen” instead of “all people.”Of the possible questions, several include the Federalist Papers as a possible answer, while three are about women’s suffrage and two are about the civil rights movement.Taking the citizenship test happens at the end of a months-or-years-long application process, after a person has lived legally in the country for more than five years. 2261

Tough day for us at Twitter. We all feel terrible this happened.We’re diagnosing and will share everything we can when we have a more complete understanding of exactly what happened. ?? to our teammates working hard to make this right.— jack (@jack) July 16, 2020 271

TIJUANA, Mexico (KGTV) — Mexican authorities arrested three people in connection to the slayings of two teenage Honduran migrants.Police executed a search warrant in Tijuana Tuesday night after they said Esmerelda N., Carlos N., and Francisco N. kidnapped and killed the teenagers over the weekend. 10News tracked down Uriel Gonzalez, the General Coordinator of the YMCA Homes for Migrant Youth - Mexico. He said the three unaccompanied minors traveled alone from their home towns in Honduras to seek temporary refuge in Mexico. For the time they were at the shelter they were well behaved. So when they went missing on Saturday around lunch time, his staff believed they had walked off their open-door campus to visit friends at another shelter. When one came back seriously injured, he realized they were targeted.“They were kidnapping the kids that are in a very vulnerable position, who are not Mexicans. Migrants are very attractive for organized crime, because of the extortion and the money they can ask to their families,” Gonzalez said. According to Baja California prosecutors, three Honduran migrants seeking refuge at the Tijuana YMCA Youth Shelter were on their way to El Barretal, the main caravan shelter Saturday night. A witness told authorities two men and one woman robbed and kidnapped the three boys during the walk.Later that night, the bodies of two boys, 16 and 17 years old, were found in a Tijuana alleyway. They had been stabbed and strangled. Despite being seriously injured, a third teen managed to escape. According to the Youth Shelter organizer, the boys arrived in the US-Mexico border city as part of the migrant caravan about two to three weeks ago. In the time they were at the shelter, they never had any disciplinary issues.Shelter staff members have since asked the Mexican government to increase security measures in the area.Investigators said the deaths are among the many recent violent incidents happening in and around the migrant shelters in Tijuana. On Tuesday night, two people walking on the street threw a can of tear gas into El Barretal. The migrants were not injured and the facility was not damaged. Investigators said this is another example of the growing tensions and impatience between asylum seekers and local Mexicans. 2287

This illustration provided by Alex Boersma in July 2020 depicts a Kongonaphon kely, a tiny relative of dinosaurs and pterosaurs. Kongonaphon lived roughly 237 million years ago and would have stood only 10 centimeters (4 inches) tall. (Alex Boersma via AP) 264