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There's some misunderstanding about medical exemptions to wearing masks.A legal expert tells us the Americans with Disabilities Act (ADA) makes it so businesses must make reasonable accommodations to everyone. The key word there is reasonable.“The problem with what's going on right now and some of the things that have been going around the internet, is that the advice, kind of spurious advice that's being put forth is to use the provision for reasonable accommodation as a sword rather than as a shield,” said David Tarrien, an associate professor at WMU-Cooley Law School.Tarrien says the conditions that qualify as a mask exemption have a smaller scope than many realize. For example, he says asthma patients likely do not fall under that scope. But later stages of pulmonary respiratory disease, emphysema, or a serious mobility issue can be "legitimate" reasons.Furthermore, you could face repercussions for lying.“If they're claiming that they have a disability and they don't have a disability, if that is found out, then there are criminal and civil penalties for that,” said Tarrien.As for privacy concerns, Tarrien says store employees are allowed to ask customers why they're not wearing a mask. If you refuse to answer, they may refuse entry.Even if you give a legitimate reason to not wear a mask, you may still be refused entry. That's because the ADA does not apply if there's a “direct threat” to someone's health or safety.Tarrien says HIPPA privacy laws also do not apply in this kind of situation. That only protects your information from being shared inappropriately among medical facilities. 1623
This year’s election has already been one of the most contentious in modern history, but for one family from Flagstaff, Arizona, it is their most memorable.In 1920, Blanche Reeves was a 29-year-old mother of five living in Iowa on her farm with her husband. Just two years prior, she had come down with pneumonia after contracting the flu during the 1918 pandemic.“Her hair all fell out and she was just in bed for a very long time,” said Reeve’s daughter, Helen, now 91.Helen Reeves was not born at the time, but she remembers her father’s vivid stories about her mother’s condition. She says she was in a coma and doctors didn’t expect her to make it through the night.“He said [my mother] couldn’t react to what was happening but could hear what was being said in the room,” she said.Reeves says the doctor left a death certificate with her father to fill out in the morning as he waited with her mother, but it laid on the bedside table in the hospital empty as her mother began to pull through.She would remain bedridden and resting for nearly two years as she battled the illness one day in 1920.“Dad said she just sat up in bed and said, ‘I’m going to go vote,’” said Reeves.That year was the first women were allowed to vote following the suffrage movement, so Reeves says her father hitched up a wagon to their horses with a straw bed and drove her mother into town so she could come to the local schoolhouse and cast her vote.The moment started a revered tradition in the family’s household.“I haven’t missed an election since I was able to vote when I was 21,” said Reeves.“I can’t think of anyone in our family who doesn’t vote,” added Reeves’ daughter, Andrea Hartley, laughing. “It is the one way we can have a voice and sometimes it the only time we can have a voice.”Hartley says growing up, her mother would take her to the polls each election to accompany her as she cast her ballot until she was able to vote for the first. She then did the same with her two kids who have voted since they turned 18.This year’s election, she says, is even more important as it marks 100 years since her grandmother, Blanche, was carried by her husband into the schoolhouse to cast her very first vote.“This year, more than any other year, I have felt the urgency to get my ballot turned back in,” she said.“I did it to honor my mother,” added Reeves. “I think if she were here today and she could know I could sit in my kitchen, at the table, and cast my ballot and not have to ride in a wagon or anything- not have to leave sick babies behind- I think she would be amazed. And I’m just so filled with gratitude that we live in this country with all the great privileges we have.” 2691

This list from the Food and Drug Administration's website shows which HelloFresh products contain onions that should be discarded. 139
Travis Reinking was arrested and charged with four counts of criminal homicide in the Waffle House mass shooting in Tennessee. His bond was set for million, but many were outraged by the fact that he was even given a bond.According to Nashville attorney David Raybin, under Tennessee law, every criminal suspect, except those in death penalty cases, are entitled to a bond.Prosecutors could still decide to seek the death penalty against Reinking, but that decision is a long way off from being made.It is possible that someone either Reinking or his family could post the 10 percent or 0,000 with a bonding company and he could walk out of jail.However, Raybin made it clear there is no way Reinking will get out on bond.In the unlikely event the suspect makes bond, then several things could and would happen. The district attorney could immediately request a hearing to increase the bond to or million.The district attorney could also ask the judge to put very onerous conditions on the bond such as house arrest, an electronic monitoring ankle bracelet, 24-hour supervision, etc.More Stories: 1162
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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