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What does defunding the police really mean?From Los Angeles to Minneapolis to New York City advocates are pushing for widespread police reform in the form of reduced police budgets. HOW MUCH WILL BE CUT?So far, American cities are taking a slow approach to the demands of advocates. Leaders in Minneapolis, the site of George Floyd's death, have called for the most significant changes with City Council agreeing to dismantle its police department. Los Angeles' Mayor is calling for 0 million budget cut. Minneapolis' City Council is exploring a 0 million cut. New York City's Comptroller has called on the Mayor to cut the NYPD by .1 billion over the next four years. Depending on the number, cuts to police departments could mean fewer officers and most likely fewer programs offered by police departments. WHERE DO ADVOCATES WANT THE MONEY TO GO?In short, leaders in the Black Lives Matter movement want the money currently allocated to police to be re-invested in communities instead. That could take the shape of city development in an often forgotten part of town or in mental health awareness campaigns. Homeless outreach and improved educational opportunities have also been mentioned. NPR recently profiled an effort in Eugene, Oregon, that dispatches social workers to certain emergency calls instead of officers. Advocates support measures like that as well. WILL CRIME INCREASE?You can't have a discussion on defunding police without exploring the possibility that crime could increase. But there is evidence that crime can actually go down with fewer police officers. A 2017 study found that when NYPD reduced its proactive policing polices in 2015 and 20`14, the number of criminal complaints filed actually decreased in New York City. The Fraternal Order of Police though disagrees. Sgt. Robert Pride, who met with President Trump at the White House this week, said he believes more officers would want to leave law enforcement if major programs were defunded. "That's not a profession I want to be apart of," Pride said. WILL THIS ACTUALLY HAPPEN?Police reform has been talked about before but never on this scale. It will also depend on whether the political pressure on city councils and mayors across the country continue. The "defund" movement is likely in its very early stages. 2316

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party is projected to have a majority of seats in the US House once the new Congress is seated in January. All 435 seats in the House of Representatives were up for election on Tuesday, and that fact has spurred high voter turnout in an election that could see a lot of change on Congress. 401

While hundreds of families wait in agony to learn the fate of missing loved ones, officials gave a gut-wrenching forecast on the fate of California's Camp Fire:It's not even halfway done burning yet.Since the Camp Fire erupted 10 days ago in Butte County, it has killed 77 people, destroyed more than 9,700 homes and torched an area the size of Chicago.But the blaze probably won't be fully contained until November 30, according to Cal Fire, the state's forestry and fire protection agency."It is overwhelming, I don't have any word to describe it," Butte County Sheriff and Coroner Kory Honea said. "This is unprecedented. No one has had to deal with this magnitude that caused so much destruction and regrettably so much death."Meanwhile, displaced residents are in limbo. Many are in Chico, Butte County's most populous city, about 15 miles from ground zero of the disaster, the town of Paradise.Some evacuees are staying with friends and family. Others are in a tent city in a Walmart parking lot. On Sunday, those seeking a place to grieve trickled into the First Christian Church of Chico for a candlelight vigil.A sign in the church set an intention for the hourslong open memorial: "We will rise from the ashes."The Camp Fire is already the deadliest and most destructive wildfire in California history. And with 993 people still unaccounted for, officials fear the death toll could keep rising.Crews are combing the remnants of houses where all evidence of life has been wiped out by flames. Many of the searchers have lost their own homes and are looking for the remains of their neighbors.While the search for the dead and missing continues, thousands of firefighters are trying to control the blaze. As of late Sunday, the Camp Fire had seared 150,000 acres and was 65% contained. 1826

What would it take to save million for retirement? Right now, more people than ever are 401k millionaires.Financial adviser Jonathan Duong says saving million is not as impossible as it may seem."A million dollars is very achievable for folks who aren't necessarily making really large six-figure incomes," Duong says.   The average 401k millionaire has been contributing to their retirement fund for over 30 years, according to MarketWatch.  So, how do you get to million in your 401k? Duong says there are a few easy ways.   First, defer over 10 percent of your paycheck to your 401k. Fidelity Investments says it might seem like a lot, but in the end, it should leave you with an annual income that you're use to once you retire.   Next, take advantage of your employer match."A match is free money," Duong says.   MarketWatch found 28 percent of the contributions to the average 401k millionaire's account came from their employer.   "Additional things you can do is working a little bit longer and delaying social security," suggests Duong.   Delaying Social Security until you’re in your 70's will allow you to get more money opposed to taking it sooner.   “It’s fairly good to say that if you've got 25 to 30 times your annual living expenses saved up, you might be in a position to retire, but there are a lot of other details that go into it," Duong explains.   There's no rule of thumb for how much everyone should save, Duong says. It all depends on your living expenses and how much it takes for you to live comfortably.   "In my mind, the ability to start today is really a reality for most people it's never too late," Duong says. 1756

When it comes to scaring us, Hollywood sure likes to have fun with spiders. But it's no fun when you have a real fear of them. So it's no surprise when it came time to see one in person, Cassandra Kidd was a bit nervous.  "Oh God I'm scared!" Kidd exclaimed.   She mustered up her strength to hold Rosie the tarantula. And after just a few seconds the fear was gone.  "It felt kind of like a ladybug but more gentle," Kidd says.    Kathleen Lewis peered over the wall as her grandson held Rosie.  "No I'm not as brave as my four-year-old grandson," Lewis says.  Fear kept her from holding the spider herself.  "Too many legs moving," Lewis says.When it comes to overcoming fears like Arachnophobia experts say educating yourself in an environment where you feel safe can make all the difference. The Spider Pavilion at Butterfly Pavilion is an example. Arachnids of all sizes hang out above.  A belief that spiders want to jump down on you is one of many misconceptions Mary Ann Colley, Vice President of Science and Conservation at Butterfly Pavilion, has heard about spiders.  "People are always saying, 'Oh, I am going to eat spiders in my sleep,'" Colley says. "That's not true."Another? The idea they want to bite you."Spiders really don't want to have anything to do with us," Colley says. "They want to do their own thing, they want to hunt for their food, create their webs."  Colley says only a small amount of spiders have a level of toxicity to actually hurt us. Butterfly Pavilion hopes sharing facts can help overcome fear."We want to be respectful of nature around us," Colley says. "So we always suggest to observe so just to take a look you can get close but you don't have to touch."  Seeing spiders in a new light. And facing your fear head on. 1850

来源：资阳报