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They’ve been fighting in Wisconsin and Pennsylvania over the cutoff date for counting mailed ballots, and in North Carolina over witness requirements. Ohio is grappling with drop boxes for ballots as Texas faces a court challenge over extra days of early voting.Measuring the anxiety over the November election is as simple as tallying the hundreds of voting-related lawsuits filed across the country in recent months. The cases concern the fundamentals of the American voting process, including how ballots are cast and counted, during an election made unique by the coronavirus pandemic and by a president who refuses to commit to accepting the results.The lawsuits are all the more important because President Donald Trump has raised the prospect that the election may wind up before a Supreme Court with a decidedly Republican tilt if his latest nominee is confirmed.“This is a president who has expressed his opposition to access to mail ballots and has also seemed to almost foreshadow the inevitability that this election will be one decided by the courts,” said Kristen Clarke, executive director of the National Lawyers Committee for Civil Rights Under Law.That opposition was on display Tuesday during the first presidential debate when Trump launched into an extended argument against mail voting, claiming without evidence that it is ripe for fraud and suggesting mail ballots may be “manipulated.”“This is going to be a fraud like you’ve never seen,” the president said of the massive shift to mail voting prompted by the pandemic.The lawsuits are a likely precursor for what will come afterward. Republicans say they have retained outside law firms, along with thousands of volunteer lawyers at the ready. Democrats have announced a legal war room of heavyweights, including a pair of former solicitors general.The race is already regarded as the most litigated in American history, due in large part to the massive expansion of mail and absentee voting. Loyola Law School professor Justin Levitt, a former Justice Department elections official, has tallied some 260 lawsuits arising from the coronavirus. The Republication National Committee says it’s involved in more than 40 lawsuits, and a website operated by a chief Democrat lawyer lists active cases worth watching in about 15 states.Democrats are focusing their efforts on multiple core areas — securing free postage for mail ballots, reforming signature-match laws, allowing ballot collection by third-parties like community organizations and ensuring that ballots postmarked by Election Day can count. Republicans warn that those same requests open the door to voter fraud and confusion and are countering efforts to relax rules on how voters cast ballots this November.“We’re trying to prevent chaos in the process,” RNC chief counsel Justin Riemer said in an interview. “Nothing creates more chaos than rewriting a bunch of rules at the last minute.”But there have been no broad-based, sweeping examples of voter fraud during past presidential elections, including in 2016, when Trump claimed the contest would be rigged and Russians sought to meddle in the outcome.Some of the disputes are unfolding in states not traditionally thought of as election battlegrounds, such as Montana, where there is a highly competitive U.S. Senate race on the ballot. A judge Wednesday rejected an effort by Trump’s reelection campaign and Republican groups to block counties from holding the general election mostly by mail.But most of the closely watched cases are in states perceived as up-for-grabs in 2020 and probably crucial to the race.That includes Ohio, where a coalition of voting groups and Democrats have sued to force an expansion of ballot drop boxes from more than just one per county. Separately on Monday, a federal judge rejected changes to the state’s signature-matching requirement for ballots and ballot applications, handing a win to the state’s Republican election chief who has been engulfed with litigation this election season.In Arizona, a judge’s ruling that voters who forget to sign their early ballots have up to five days after the election to fix the problem is now on appeal before the 9th U.S. Circuit Court of Appeals.A federal appeals court on Tuesday upheld a six-day extension for counting absentee ballots in Wisconsin as long as they are postmarked by Election Day. The ruling gave Democrats in the state at least a temporary victory in a case that could nonetheless by appealed to the U.S. Supreme Court. In neighboring Michigan, the GOP is suing to try to overturn a decision that lets the state count absentee ballots up to 14 days after the election.In battleground North Carolina, where voters are already struggling with rules requiring witness signatures on absentee ballots, the RNC and Trump’s campaign committee have sued over new election guidance that will permit ballots with incomplete witness information to be fixed without the voter having to fill out a new blank ballot.In Iowa, the Trump campaign and Republican groups have won a series of sweeping legal victories in their attempts to limit absentee voting, with judges throwing out tens of thousands of absentee ballot applications in three counties. This week, another judge upheld a new Republican-backed law that will make it harder for counties to process absentee ballot applications.Pennsylvania has been a particular hive of activity.Republican lawmakers asked the U.S. Supreme Court on Monday to put a hold on a ruling by the state’s highest court that extends the deadline for receiving and counting mailed-in ballots. Republicans also object to a portion of the state court’s ruling that orders counties to count ballots that arrive during the three-day extension period even if they lack a postmark or legible postmark.Meanwhile in federal court, Republicans are suing to, among other things, outlaw drop boxes or other sites used to collect mail-in ballots.The Supreme Court itself has already been asked to get involved in several cases, as it did in April, when conservative justices blocked Democratic efforts to extend absentee voting in Wisconsin during the primary.There is, of course, precedent for an election that ends in the courts. In 2000, the Supreme Court settled a recount dispute in Florida, effectively handing the election to Republican George W. Bush.Barry Richard, a Florida lawyer who represented Bush during that litigation, said there’s no guarantee the Supreme Court will want to get involved again, or that any lawsuit over the election will present a compelling issue for the bench to address.One significant difference between then and now, he said, is that neither candidate raised the prospect of not accepting the results.“There was never any question, in 2000, about the essential integrity of the system. Neither candidate challenged it,” Richard said. “Nobody even talked about whether or not the losing candidate would accept the results of the election. That was just assumed.”_____Follow Eric Tucker on Twitter at http://www.twitter.com/etuckerAP 7075

There are options when it comes to getting a car. You can lease or buy, and now, you can get a car subscription.Luxury car makers like BMW, Jaguar, and Cadillac offer subscription services to their high-end cars, but it’s set you back a couple thousand. That’s why Ford is offering a more affordable service with used vehicles."You're going to be looking at around 0 monthly subscription cost, but that's inclusive of the vehicle the driving insurance your maintenance,” explains Allison Braley with Canvas, Ford’s subscription service. “You don't have to worry about out-of-pocket maintenance costs. There's no down payment."  Braley says it's an all-inclusive bundle, unlike with a lease. Many subscription services don’t' have a down payment or require car insurance. "A lease is great solution for people who know what kind of car they want for two to three years or more,” Braley says.  Through subscriptions, you pay a fee to swap out a car. For example, when winter comes around and you want to trade in your sedan for an SUV, with Canvas you pay a fee to swap cars.  FiveCentNickel.com says, on average, a car owner will spend ,200 a year on maintenance.  If your car breaks down or needs an oil change, most subscription services will pay for out of pocket maintenance. Subscription services are great if you want convenience, flexibility and a lifestyle where you change vehicle often.However, convenience often comes with a price. If you’re on a budget, financial expert Jonathan Duong says it may not be worth it. 1572

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

There's a new push to acknowledge the greater impact of racism on health.Three Democratic lawmakers created the Anti-Racism and Public Health Act, which would create two new programs within the Centers for Disease Control and Prevention (CDC).One is a National Center for Anti-Racism to research health disparities and develop policies to close the divide. The other is a new program within the CDC’s Center for Injury Prevention and Control that would be focused on preventing law enforcement violence.The bill also calls on the federal government to declare racism a public health crisis. Meanwhile, many state and local governments have already done that.The American Public Health Association says federal action would identify racism as an issue of national importance.“I think the goal is to get us to take our heads of the sand and not be afraid to call racism for what it is,” said Dr. Georges Benjamin, Executive Director at the American Public Health Association.Benjamin says the pandemic has shown the extent of racism as a health issue, pointing to matters that prevent people of color from getting tested and the apprehension Black men face when it comes to putting on a mask, because it can be seen as threatening.He says the stress can raise blood pressure and cause health issues.“If you actually go in and understand their life experiences, they have higher degrees of stress,” said Benjamin. “Stress, it changes a whole range of bodily hormones that have negative impacts on the body.”The American Public Health Association declared systemic racism a public health crisis in June, shortly after George Floyd’s death.A U.S. Senate version of the bill has been referred to committee. 1708

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

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