Scabies is spread by prolonged skin-to-skin contact with a person who has scabies. Scabies sometimes also can be spread by contact with items such as clothing, bedding, or towels that have been used by a person with scabies, but such spread is very uncommon unless the infested person has crusted scabies.
Your retirement benefit is based on your highest 35 years of earnings and your age when you start receiving benefits. If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the amount of retirement benefits you are due.
JPMorgan Asset Management's 2015 Guide to Retirement has a handy retirement savings checkpoint guide to help you with that one. To get a crude idea of how much you should have saved, find the age nearest to your age and then go across to the column with the salary nearest to your current salary.Then multiply the number you land on by that salary.For example, this guide suggests that if you're 35 years old and earn $100,000 a year, you should have saved $140,000 by now. Among other things, this assumes you continue to contribute 5% of your salary annually, you retire at age 65, and you die at age 95.PMorgan Asset Management's 2015 Guide to Retirement has a handy retirement savings checkpoint guide to help you with that one. To get a crude idea of how much you should have saved, find the age nearest to your age and then go across to the column with the salary nearest to your current salary.