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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

With hurricane season in full swing, there's a lot of talk from meteorologists about hurricane "categories." What do they mean, and what do they tell us about a storm?It turns out, a hurricane's category is only based on one thing: wind speed.According to the National Hurricane Center's website, the agency relies on the Saffir-Simpson Hurricane Wind Scale to determine a storm's strength. The scale categorizes a hurricane on a 1-5 scale, based on the storm's maximum sustained winds — the one-minute average of the wind speed taken from inside the storm.When storms over the Atlantic begin to organized into a rotating system around a central "eye," and sustained wind speeds in the storm reach 39 mph, it's classified as a tropical storm. Once wind speeds in the system reach 74 mph, it becomes a hurricane.From there, the NHC uses the Saffir-Simpson Scale to determine how much destruction a hurricane is expected to inflict on an area. While any hurricane is expected to cause damage to homes and topple some trees in its path, higher wind speeds can lead to trees blocking roads and downing power lines, isolating communities without power or access to water for weeks — or even months.STRENGTHMAX SUSTAINED WIND SPEEDDESTRUCTION CATEGORY 1Between 74 mph and 95 mphWell-constructed houses could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly-rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. CATEGORY 2Between 96 mph and 110 mphHouses could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block roads. Near-total power loss is expected with outages that could last from several days to weeks. CATEGORY 3 (major)Between 111 mph and 129 mphHouses may incur major damage or removal of roof decking and gable ends. Many trees — regardless of root depth — will be snapped or uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm passes.CATEGORY 4 (major)Between 130 mph and 156 mphHouses can sustain severe damage with loss of most of the roof structure and possibly some exterior walls. Most trees will be snapped or uprooted and power poles will topple. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.CATEGORY 5 (major)Above 157 mphA high percentage of framed houses will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.Any hurricane that reaches Category 3, with sustained winds above 111 mph, is considered a "major" hurricane. According to the NHC, that's because "of their potential for significant loss of life and damage." But that doesn't mean Category 1 and 2 hurricanes can't be deadly.The NHC itself says that Category 1 and 2 hurricanes are "still dangerous" and "require preventative measures."While Hurricane Sandy peaked at Category 3 intensity when it made landfall in Cuba in 2012, it had collapsed into a post-tropical cyclone by the time it reached New Jersey on Oct. 29. Even though the storm only had Category 1 strength winds, it still resulted in the deaths of 131 people in America, according to media reports, and an estimated billion in damages — the second-costliest hurricane in U.S. history up to that point.The Saffir-Simpson Scale also doesn't take into account storm surge in coastal areas and flash flooding caused by the surge and heavy rain. Flooding can cause significant property damage and make main roads — including expressways — inaccessible. 3864

While we can’t speak to these specific allegations due to student confidentiality laws, we can share that we regularly work in collaboration with parents to evaluate and place students in special education services as needed, and have been recognized at both the state and national level for our special education program. Additionally, complaints of bullying or harassment that are reported to school or district leadership are investigated and addressed. 465

When it comes to Christmas decorations, country music star Tim McGraw lives by the expression "go big or go home."On social media, McGraw showed off his impressively tall Christmas tree.In the pictures, McGraw is seen going to great lengths to decorate the tree - using a very tall ladder, using a long pole to move branches, and adjusting the tinsel with one leg in the air.He cheekily captioned the photos with "A: Santa's lead flying reindeer B: wife trying to get rid of me before Christmas." 504

With COVID-19 cases spiking across the country once again, Starbucks is bringing back a program that offers free coffee to health care professionals and other essential workers.For the entire month of December, Starbucks is offering a free tall coffee to "any customer who identifies as a front-line responder." Scroll down to see a full list of eligible customers.Starbucks offered the same promotion in March and April, when the coronavirus first spread exploded throughout the U.S. Now, with cases spiking across the country — and expected to increase further ahead of the holidays — Starbucks is bringing the promotion back.Eligible customers can get a free tall hot or iced coffee at "company-operated locations and select licensed stores" now through Dec. 31.Starbucks is also making a 0,000 donation to the National Alliance on Mental Illness to support essential workers who may face mental health hurdles following the new rise in cases. They also plan to surprise 50,000 essential worker customers with "care packages and Starbucks gift cards."According to Starbucks, the following workers are eligble for free coffee: "Front-line health care providers, first responders including: doctors, nurses, public health workers, pharmacists, dispatchers, firefighters, paramedics, police officers, dentists and dental hygienists, mental health workers (therapist, psychologist, social worker, counselor, etc.), hospital staff such as janitor/housekeeping/security, and active-duty military." 1505