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The holiday season is wrapping up, those presents open and bellies are full. But beware, holiday Grinches are still out there ready to steal.Year after year, the number of post-holiday scams popping up are on the the rise, taking your new present away before they can even be used. Those scams target presents like gift cards or new pieces of technology, like a smart TV or new computer. The biggest post-holiday scams out there hit gift cards to specific stores like Starbucks or Best Buy and even generic Visa or MasterCard debit gift cards. They usually target when people go to check their balance online, according to the Better Business Bureau. They often lead you to a fake website, either from an internet search or a fake email that popped into your inbox. The fake website, which often looks like the real website, asks for the gift card number and the pin/security code. Once you click submit on the fake site, the scammers have all the information and can start using it and your gift money is gone. But this year's scams don't just affect gift cards. As technology gets smarter, like our computers and smart TVs, scammers are turning into hackers to get to your personal information. Before you even start using that new smart TV, computer or other piece of technology, make sure you update it. The prompts will usually appear on the screen or you can find them inside the "settings" or "about" windows on the device. Also, make sure you register the device to your email address. That won't just help with the warranty, it will also make sure you get email updates if there are security breaches. Those software updates are vital to keeping your personal information secure. 1733
The annual St. Patrick's Day Parade in Chicago has been canceled due to the novel coronavirus outbreak.Parade organizers made the announcement on the event's 170
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 billionaires behind many of France's top luxury brands have pledged �300 million (9 million) to help reconstruct Paris' Notre Dame cathedral following a devastating fire.LVMH Group ( 201
The 8.4 million Powerball has a winner: a Wisconsin resident who got all winning numbers: 16, 20, 37, 44, 62 and the Powerball number 12.A single ticket sold in the state matched all six numbers to win the third largest jackpot in US lottery history, lottery officials said."Due to strong ticket sales, the jackpot climbed to an estimated 8.4 million at the time of the drawing with a cash option of 7 million," the Multi-State Lottery Association said in a statement. "The lucky ticket holder(s) will have the choice between an estimated annuity of 8.4 million, paid in 30 graduated payments over 29 years, or a lump sum payment of 7 million. Both prize options are before taxes."The last winning drawing was on December 26, 2018, and the jackpot has climbed since then.If you happen to be the lucky winner, you can buy 39 of the world's most expensive car, 885
