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The average 401(k) balance rose 17% last year to 2,300 from the end of 2018, according to a review of 17.3 million accounts by Fidelity Investments. The average individual retirement account, or IRA, balance rose the same percentage to 5,400.Surging markets around the world were a big reason for the growth: The S&P 500 index had one of its best years in decades with a 31.5% return. Investments of all types logged gains, from junk bonds to stocks from developing economies.But workers’ better savings habits also played a big role.Fidelity said the average worker set aside 8.9% of their pay in their 401(k) in the fourth quarter, a record. Combined with employer matches, the average total savings rate was 13.5% in the quarter, tying its record last reached in the spring of 2019.“Nobody can control the market, so the behaviors of people contributing to their 401(k)s are what get us the most excited,” said Katie Taylor, vice president of thought leadership at Fidelity. “We have people saving 13.5%, which is really close to the 15% that we recommend. That’s a great story.”In many cases, workers may not even realize they’re saving more. Most employers give the option for workers to automatically increase their contributions each year, without having to do anything. Some employers even automatically sign up their employees for these auto-escalation programs, requiring them to opt out if they don’t want their contribution levels to steadily rise.Such features are on top of programs where employers automatically enroll new hires in the 401(k) plan. They all lean on the power of inertia to help workers build up bigger nest eggs. It’s a sharp turnaround from earlier years when workers had to take an extra step to join the 401(k) plan and fill out paperwork whenever they wanted their contribution levels to change.“There’s always a way, if you don’t want to do it, where you can unenroll, but these automatic programs have been a game changer,” Taylor said.Consistent contributions — and giving them time to grow — are keys to building bigger portfolios. Among workers who have been in their 401(k) plan for 10 straight years, the average balance rose to a record 8,200, according to Fidelity.Such figures, though, count only people who have a 401(k). Many lower-income workers, particularly at smaller employers, could not save in a 401(k) even if they wanted to because their companies don’t offer access to one. Legislation passed late last year aims to make it easier for smaller employers to band together and offer plans.Nearly half of all U.S. households aged 55 and over, 48%, had no retirement savings at all as of 2016, according to estimates from the Government Accountability Office. 2737

The New South Wales government in Australia is now using cameras installed on roads to catch drivers illegally using the phone.Now, there's one state in the U.S. that's trying to make that happen here.There's a councilmember in Montgomery County, Maryland, that wants permission from the state to install these cameras. You can really see everything that's happening in the front seats of cars with these cameras — and that brings up some concerns from groups like the ACLU."One issue is that there will be false positives, there will be photographs where it looks like the person is using their cellphone or on the phone when they're actually not," says Jay Stanley, a senior policy analyst with the ACLU. "So everybody will be susceptible to that, there will be ambiguous photographs that police officers will have to look at and decide whether to issue a ticket."AAA also brings up a concern over children in the car being photographed and adds there may also be problems surrounding artificial intelligence. With these cameras, it's up to the computer to decipher if a driver is using their phone and that could lead to problems in places where phones are allowed to be used for GPS purposes but not texting or phone calls.AAA says there are other options. They suggest that places like Maryland stick to enforcement that has been successful in the past."But people, when they are distracted, it's as easy to discern as a person who's driving impaired because they have the same type of driving behavior," says John Townsend with AAA. "And when it comes to distracted driving, the person's eyes are not on the roadway. You can easily detect that."As for the county in Maryland, the council will begin debating the use of cameras in January and, if passed, it'll be the first program of its kind in the United States. 1837

The 2019 Nobel Prize for Medicine has been jointly awarded to William Kaelin Jr., Sir Peter Ratcliffe and Gregg Semenza for their pioneering research into how human cells respond to changing oxygen levels.Announcing the prize at the Karolinska Institute in Stockholm on Monday, the Nobel committee said that the trio's discoveries have paved the way for "promising new strategies to fight anaemia, cancer and many other diseases."The 2019 medicine laureates, the committee added, have identified molecular machinery that regulates the activity of genes in response to varying levels of oxygen.The importance of oxygen has long been established, the committee explained, but how cells adapt to changes in its levels remained unknown.Randall Johnson, prize committee member, described the trio's work as a "textbook discovery.""This is something basic biology students will be learning about when they study, at aged 12 or 13, or younger, biology and learn the fundamental ways cells work. This is a basic aspect of how a cell works and, from that standpoint alone, it's a very exciting thing."The winnersNew York-born Kaelin established his own research laboratory at the Dana-Farber Cancer Institute in Boston and became a full professor at Harvard Medical School in 2002.Semenza, also born in New York, became a full-time professor at Johns Hopkins University in 1999 and since 2003 has been the Director of the Vascular Research Program at the Johns Hopkins Institute for Cell Engineering.Ratcliffe, who was born in Lancashire, England, studied medicine at Cambridge University and established an independent research group at Oxford University, becoming a full professor in 1996. 1694

TEMPLE, Texas — Temple police want to know who threw a rock off a railroad overpass Saturday night, resulting in the death of a 33-year old woman in Texas.Investigators say it happened just before 9 p.m. Saturday night as Keila Ruby Flores and her family of five traveled northbound on Interstate 35 between exits 303 and 305 in Texas.Police say someone threw a rock from the overpass to the interstate below, hitting Flores' car, breaking the windshield and hitting Flores, who sat in the front passenger seat.Officers responded to an unknown injury call near the 2600 block of I-35 and Belair Drive where they found Flores and her family.Paramedics took Flores to Baylor, Scott and White Hospital, where she died of her injuries at 10:32 a.m. on Sunday. An autopsy will determine her exact cause of death.Detectives have no information on a suspect and ask anyone who may have seen anything to call Temple police, or Bell County Crime Stoppers. 959

The Dow Jones Industrial Average closed the week on a sour note, giving back some of the gains it had made on three straight days in the green.The Dow closed down 915 points — a 4 percent loss — its first drop since Monday. However, the markets remained up for the week, the first week-over-week gain since February.The day of losses came despite the House passage of a .2 trillion stimulus package that the Trump administration hopes can boost the economy amid an economic slowdown caused by the coronavirus. President Donald Trump is expected to sign the bill into law this afternoon. 600