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This week, experts are sending warnings to those considering seeing people outside their household without quarantining first. One aerosol expert weighs in on just how dangerous the holiday could be."My simplest advice is it is not a good idea to meet with people outside of your household for a holiday meal. That’s the most important message that can be underscored, and the reason for that is there are multiple ways this virus can be transferred,” said Alex Huffman, an aerosol expert and associate professor at the University of Denver. “The closer you are increases the chances of that, but aerosols can come out of your mouth and mix into the room. The longer you're in that room, the more chance you have of getting sick.”Huffman says time, ventilation and proximity have a big impact on whether coronavirus droplets can spread and infect others."When you breathe and talk, the louder you talk, droplets and aerosols come out of your mouth. So, traditionally, droplets are on the bigger side, aerosols are on the smaller side," said Huffman.With no mask on, these droplets can land on the faces of people around you or on their plates."And so, the biggest danger with the Thanksgiving meal or holiday meal or any meal specifically, restaurants included, are that you have to take off your mask to eat and that is why eating together indoors is so dangerous," said Huffman.Huffman demonstrated how fast droplets can spread in the air by showing how quickly food coloring can spread in water. He also analyzed the risks of eating a Thanksgiving meal in person, taking commonly-used models and applying varying factors that come into play when eating with people outside of your household."And then, I used the same model to say, ‘What happens if we meet for holiday meals?’ Let's say we have 10 people. We all eat for two hours. We all don't have masks on, and then, we ran different scenarios. If it was a small room, a large room, a medium-sized room and then estimate the amount of risk that would be from aerosol," said Huffman.Matching with community transmission rates, Huffman estimated that the probability of each person at the table having COVID-19 was about 5 percent."If it's a small room, everybody has something like a 15 percent chance of getting infected, even if we had no idea if anybody was infected or not. If it's a big room, it's a little bit less than that," explained Huffman.Ventilation also comes into play, which is why experts are advising that if you really are planning to meet with family this holiday, do it outside. Opening windows and doors also helps. Huffman also has some tools people can use, such as a carbon dioxide monitor or you can create your own box fan air filter."On the back, this is a furnace filter that’s also 20 inches and so you tape them together so they're well-sealed. You turn it on high and you blow the air through this filter and that removes the particles in the room that could potentially contain virus in it," said Huffman.Still, Huffman and other medical experts agree this won't completely eliminate the risk of spreading COVID-19. The safest thing to do is stay home and avoid celebrating Thanksgiving with people who are not part of your household. 3230

This weekend, most Americans will set their clocks back one hour Saturday night as everyone reverts back to standard time.Every state except Hawaii and Arizona observe Daylight Saving Time in the summer months.The idea of Daylight Saving Time has been around for more than a century for a variety of reasons, including more evening daylight and saving energy.Germany was the first country to experiment with it, and it wasn't fully adopted in the United States until 1918 when "An Act to save daylight and to provide standard time, for the United States" was passed.Once this law was passed, it established the time zones we use today — Eastern, Central, Mountain and Pacific — and specified when Daylight Saving Time would begin and end.Two years later, however, the Daylight Saving Time option was repealed and left up to localities to decide whether or not they'd change their clocks.Nationwide Daylight Saving Time returned for almost three years during World War II when President Franklin Roosevelt instituted "War Time," or year-round Daylight Saving Time.It wasn't until 1966 when President Lyndon Johnson signed the Uniform Time Act, which ended a lot of confusion by setting standards for when Daylight Saving Time would begin and end. It also required every state to participate unless a state voted to keep the entire state on standard time.Daylight Saving Time was extended with the Energy Policy Act of 2005, so now most of the United States change clocks on the second Sunday in March and again on the first Sunday in November.Follow Storm Shield Meteorologist Jason Meyers via the Storm Shield app on Twitter, Facebook, and YouTube. Download the Storm Shield Weather Radio App for your iPhone or Android device and get severe weather alerts wherever you are. Named by Time.com one of the best weather apps for your iPhone. 1846

Three freshmen on the UCLA men's basketball team accused of shoplifting in the Chinese city of Hangzhou could be months away from returning home while the legal process in their case plays out.ESPN, citing a source with firsthand knowledge, reported Wednesday that LiAngelo Ball, Cody Riley and Jalen Hill were released on bail after being questioned about stealing sunglasses from a Louis Vuitton store near the team hotel. ESPN's Los Angeles-based reporter Arash Markazi is covering the team from China.Chinese officials wouldn't confirm the ESPN report that Ball, Riley and Hill were arrested. Hua Chunying, a spokeswoman for China's Foreign Ministry, said the case had been reported to US authorities. 713

This is a fight about their constitutional right to vote being denied. Learn more about how you can help at https://t.co/ASKCSX9b9l. @morethanavote https://t.co/LtGBRwo8LQ— LeBron James (@KingJames) July 24, 2020 229

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

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