Sports
Spurs bury Bulls in 1st quarter
CHICAGO – It didn't take long for the San Antonio Spurs to show the Bulls why they're leading the NBA.
Hub Arkush: Signing Houston isn't bad start for Bears
Talk about a leap of faith. The Bears spent $35 million for a right defensive end with 16 sacks in four seasons and a career best of six in 2013. Only ...
Auburn too much for Huntley
ELGIN – Huntley knew exactly what Rockford Auburn wanted to do on defense – intense man-to-man pressure, overplaying in passing lanes, anything to mak ...
Auburn knocks Huntley out of sectional again
ELGIN – Huntley knew what was coming, but still could not handle the speed and pressure defense of Auburn.
Local wrestlers seek All-America status at NCAA Championships
Paul Rands was in junior high when he decided that one day, he would be an All-America college wrestler.
Musick: Marian Central learning from winning
WOODSTOCK – Curtis Price woke up last week to find the news clipping on his desk.Price's wife had pl ...
Jacobs' Grant knows South Elgin well
ALGONQUIN – One way or another, Robert Grant was going to play in the Class 4A Elgin Sectional.Had G ...
Krutwig grows up quickly at Jacobs
When Jimmy Roberts took over the Jacobs varsity basketball program at the start of the season, he and former coach Jim Hinkle had several conversation ...
Track the Bears' 2014 free agents
The Bears head into the offseason with 23 of their own players without contracts. Track where these players, including Devin Hester and Charles Tillma ...
Bears free agency tracker: Updated signings, targets
Track the Bears' free agent targets and signings as NFL free agency begins. Players can begin sigining contracts with new teams at 3 p.m.
Bears release Bush
In an expected move to save some salary cap space, the Bears released running back Michael Bush.Bush ...
Weather will delay many spring games
On Monday, the weather looked a little brighter. But, like most of this winter, snow is expected again soon enough.Gertz hired by Dundee-Crown, Hampshire football waits
ALGONQUIN – Steve Gertz’s work commutes will be cut drastically in the 2014-15 school year.Gertz, cu ...Richmond-Burton football field honored by Pioneer
Richmond-Burton’s grounds crew of Rich Holtz and Tom Miller have been recognized by Pioneer Athletics as a winner of its 2013 Fields of Excellence Awa ...
Boys basketball: Jacobs' Orange athlete of week
Chrishawn OrangeJacobs, JuniorThe 6-foot-1 point guard played a crucial role as the Golden Eagles wo ...Reader Poll
Family program centers on wetland birds
RINGWOOD – Wetland birds are the topic of this month's Lost Valley Venture.Hosted by the McHenry Cou ...District 12 to host wellness fair
JOHNSBURG – Childhood stress, obesity and happiness will be delved into at this year's Health and Wellness Expo.
Flight for Life called after Huntley crash
HUNTLEY - Flight for Life has been called to transport one person to the hospital following an accident in Huntley.Woodstock music programs earn state honors
WOODSTOCK – Woodstock high school music programs had strong showings at state competition recently.T ...Woodstock softball league nears final registration session
WOODSTOCK – Girls ages 5 to 19 looking to play softball this summer and their parents have their final chance for walk-in registration Saturday.
McHenry County misses worst of winter storm
McHenry County avoided significant snowfall from last night's storm that dumped half a foot on some Chicago suburbs.MCCD offers class on prescribed burns
RINGWOOD – Fire is an ecological management tool for the McHenry County Conservation District.The go ...Oliver: ‘Lost’ hour can take winter with it
Winter doesn’t officially end until later this month, but another sign of spring arrived last weekend: the start of daylight saving time.
Older workers among those looking to improve computer literacy
WOODSTOCK – Ron Ecklund used to type as slow as a snail moved. But then the 51-year-old Woodstock re ...Parents call for School District 46 Board president's resignation
PRAIRIE GROVE – About a dozen parents, one after another, called for the resignation of the School District 46 Board president at Tuesday’s board meet ...
New SIU president has refund clause in contract
CARBONDALE — The incoming president at Southern Illinois University will have the pay $250,000 if he leaves his new post within three and a half years ...Oberweis spending week before election in Florida
CHICAGO — Republican candidate for U.S. Senate Jim Oberweis is taking heat for spending the final week before Tuesday's primary in Florida.Firm working on state-owned resort backs out
SHELBYVILLE — Plans to reopen a state-owned eastern Illinois resort with a long history of problems are on hold again.Agency suing American Airlines over tax incentives
CHICAGO – The agency that oversees public transportation in Chicago is suing American Airlines for falsely claiming to buy "vast amounts of jet fuel" ...Chicago Polar Plunge raises more than $1M
CHICAGO – The annual Polar Plunge into Lake Michigan has broken its fundraising goals by raising more than $1 million for Special Olympics Chicago.Winter storm dumps heavy, wet snow on Chicago
CHICAGO – A late winter storm dumped more than 5 inches of snow in the Chicago area, causing scattered power outages and creating headaches for commut ...
Illinois GOP hopefuls address school 'clout' issue
CHAMPAIGN — The three lawmakers seeking the Republican nomination for governor still are facing questions about their roles in a five-year-old admissi ...Ill. attorney general collects nearly $1 billion
CHICAGO (AP) — Illinois Attorney General Lisa Madigan has announced her office collected nearly $1 billion in revenue last year.Woman sued for racially-tinged harassment
MOUNT PROSPECT — A Mount Prospect family is suing its neighbor, accusing her of harassing them over five years because of their race.County jail's strip searches again draw lawsuit
EAST ST. LOUIS, Ill. (AP) — Two more former inmates of a southern Illinois jail are suing over strip searches they claim were unconstitutional.
San Francisco firefighters stop big blaze spread
SAN FRANCISCO — A fire that barreled through an apartment building construction site sending up black smoke that could be seen for miles around the Sa ...
2 NYC buildings collapse in explosion, 2 dead
NEW YORK – An explosion on Wednesday leveled two New York City apartment buildings, killing two people, injuring 17 others and sending smoke billowi ...
Sandusky's wife: Victims manipulated over money
NEW YORK – The wife of former Penn State assistant football coach Jerry Sandusky says she "definitely" believes her husband is innocent despite being ...
Pope sees banner first year, but expectations high
VATICAN CITY – From his simple sound bites to his breaking of Vatican rules, Pope Francis has made being Catholic cool in his first year.
NATO sends 2 surveillance planes to Ukraine border
GEILENKIRCHEN, Germany – NATO deployed two surveillance aircraft Wednesday to monitor Ukraine's air space and Black Sea ship movements as Russia conso ...
Obama to host new Ukrainian PM at White House
WASHINGTON – In a diplomatic dig at Russia, President Barack Obama is hosting the new Ukrainian prime minister at the White House, a high-profile gest ...
Crimea's parliament pushes for independence
SIMFEROPOL, Ukraine – As the campaign increased for tension-filled Crimea to split off from Ukraine in a weekend referendum and join Russia, the regio ...Steady health care sign-ups may miss goal
WASHINGTON – The Obama administration said Tuesday it’s making steady progress on health care sign-ups, but the White House needs something close to a ...Malaysian military: Missing jet changed course
KUALA LUMPUR, Malaysia – The missing Boeing 777 jetliner changed course over the sea, crossed Malaysia and reached the Strait of Malacca – hundreds of ...Judge's decision is latest twist in Army sex case
FORT BRAGG, N.C. – The trial of an Army general accused of sexual assault moved into uncharted legal territory Tuesday when the judge dismissed the j ...
Oliver: ‘Lost’ hour can take winter with it
Winter doesn’t officially end until later this month, but another sign of spring arrived last weekend: the start of daylight saving time.Skala: Reasons to vote 'no' on County Board chairman question
The Northwest Herald recently issued an endorsement of the countywide referendum on how the County Board chairman is elected.Miller: Quinn's grant program bought peace
"There was no money allocated at all before the election of 2010," Gov. Pat Quinn told Chicago TV reporter Charles Thomas about allegations that the g ...Atwater: Hurricane ‘Hal’ hard for parents to handle
When he was a little kid, “Hal” always had to do things himself, and he usually messed it up. When you’re young, this is OK. Children are designed to ...Lyons: It’s an election, not a holy war
Two more weeks until the calendar says it’s spring – as practically useful as the odometer on your 2001 Dodge after the engine blew.Penkava: Why cats do not need nine lives
I admit that at times I get jealous. I’d love to be Patrick Kane of the Chicago Blackhawks for just one game. It sure would be cool to be James Taylor ...Peterson: Acronyms are heartless, but not flash drives
If I can’t remember how long I’ve had something, I’ll guess I’ve had it a year – unless it is something I’ve had a really long time, then I’ll guess t ...Reeder: Time to embrace difficult spending decisions
SPRINGFIELD – In 2011, the state of Illinois began snatching away an extra week’s worth of our pay.A ...
Chef Debi:Pistachio-Crusted MahiMahi and Island Rice
Tired of winter yet? Get a taste of the islands with this mahimahi and Island Rice recipe. Pistachio ...Oliver: County spelling bee buzzes with excitement
Here’s to the word nerds.Here’s to the people who love to break words down to their roots, who care ...
Our View: Voting lifts uncertainty
McHenry County Board Chairwoman Tina Hill gave her State of the County Address last week.Hill touche ...Our View: Take time to be prepared for severe weather
Although there is snow in the forecast for Tuesday night, Monday gave us a glimpse into what spring will feel like when it’s sprung.Our view: Support for school-municipal zoning bill
We support legislation filed by state Sen. Pam Althoff that seeks to clear up any ambiguity in state law by giving municipalities zoning authority ove ...School District 12 referendum: Yes
A referendum on the March 18 primary ballot asks residents of Johnsburg School District 12 to allow the district to borrow up to $41 million in bonds ...Our View: We will miss local watchdog
The Northwest Herald Editorial Board offers this week’s thumbs up and thumbs down:Thumbs down: To th ...Our View: Warm embrace for tax proposal
Most attempts from the state Legislature to put property tax controls on local taxing bodies die an untimely death, but that’s no reason to give up.Our View: Time to shelve cold med bill
State Sen. Dave Koehler, D-Peoria, has proposed legislation that would require anyone who has a cold to get a doctor’s prescription to buy medicine co ...Our View: More waste in Springfield
State regulators must dig deeper into the $55 million Neighborhood Recovery Initiative program created by Gov. Pat Quinn months before the 2010 gubern ...Our View: More teeth needed in campaign finance laws
Money seems to play a bigger role in political campaigns than it ever has before.Yet the state of Il ...McHenry County Sheriff (Republican): Zinke
In a contentious race to replace outgoing McHenry County Sheriff Keith Nygren, Undersheriff Andrew Zinke and retired Des Plaines Police Cmdr. Bill Pri ...
‘No’ in Johnsburg
To the Editor:Taxpayers, there is no such thing as a free lunch.If you pay the bonds back, you don’t ...Voting for Provenzano
To the Editor:Nick Provenzano has been my County Board member for 10 years.During that time, I’ve ha ...Zinke is the choice
To the Editor:I have been involved in the McHenry County criminal justice system for the past 37 yea ...Need Prim’s leadership
To the Editor:We complain about government, but this will change nothing.We need to take an active r ...A valuable opportunity
To the Editor:We have a valuable opportunity to change the direction of the McHenry County Sheriff’s ...Prim respects the taxpayer
To the Editor:Let’s take the money out of the drug dealers’ and criminals’ pockets, not the taxpayer ...The real deal
To the Editor:It seems the McHenry County Board has become quite newsworthy.Recent articles suggest ...Time for a new perspective
To the Editor:Ahh, bucolic McHenry County.A great place to live. Thriving shopping areas, good schoo ...Prim respected
To the Editor:Arguably the most important race in the March 18 primary election is for sheriff of Mc ...Sheriff candidate who cares
To the Editor:Andrew Zinke, my brother, will be a terrific sheriff.We have seen what is required of ...
A mandoline helps pair potatoes with baked haddock
This past summer I fell in love with a kitchen gadget that has been relatively slow to catch on in the U.S. – the mandoline.
BC-US--Food-American Table-Potatoes
Until I moved to Chicago, St. Patrick’s Day wasn’t a big event for me. But that first year, I was stunned by the sight of what locals took for granted ...
The things they learn on the playground
By Mari-Jane WilliamsThe Washington PostRecess has taken a beating in recent years.Because of shrink ...Need help navigating the health insurance maze? Consult with your local librarian
What can’t librarians do? Many now are becoming health insurance guides. The buzz at the American Li ...
'300' sequel rules box office with $45.1M debut
NEW YORK (AP) — The stylish combat film "300: Rise of an Empire" topped the box office with a strong debut of $45.1 million seven years after the orig ...
Celebrate spring’s rosy glow with soft pink accents
This spring, pinks are popping up all over home decor — the softer versions soothing and nurturing, the bright ones bouncy and vivacious.
Sunday Supper: Teriyaki Chicken Lettuce Wraps
Whether you'll be hosting a crowd or watching solo, Oscar night calls for dinner with a bit of panache.
‘Which sandwich are you?’ Buzzfeed’s online quizzes go viral
NEW YORK (AP) — For a compulsive online quiz-taker like Chrissy Noh, the temptation was too great to resist: "Which sandwich are you?"
A shoe line to call her own
NEW YORK (AP) — Quick, what's your favorite "Sex and the City" moment involving Carrie Bradshaw and her adored shoe collection?
Sustainable Parenting: Authors look to next generation
WOODSTOCK – Parents often see their role as helping their children become contributing members of society.
Auburn too much for Huntley
ELGIN – Huntley knew exactly what Rockford Auburn wanted to do on defense – intense man-to-man pressure, overplaying in passing lanes, anything to mak ...Auburn knocks Huntley out of sectional again
ELGIN – Huntley knew what was coming, but still could not handle the speed and pressure defense of Auburn.Musick: Marian Central learning from winning
WOODSTOCK – Curtis Price woke up last week to find the news clipping on his desk.Price's wife had pl ...Jacobs' Grant knows South Elgin well
ALGONQUIN – One way or another, Robert Grant was going to play in the Class 4A Elgin Sectional.Had G ...Krutwig grows up quickly at Jacobs
When Jimmy Roberts took over the Jacobs varsity basketball program at the start of the season, he and former coach Jim Hinkle had several conversation ...Weather will delay many spring games
On Monday, the weather looked a little brighter. But, like most of this winter, snow is expected again soon enough.Gertz hired by Dundee-Crown, Hampshire football waits
ALGONQUIN – Steve Gertz’s work commutes will be cut drastically in the 2014-15 school year.Gertz, cu ...Richmond-Burton football field honored by Pioneer
Richmond-Burton’s grounds crew of Rich Holtz and Tom Miller have been recognized by Pioneer Athletics as a winner of its 2013 Fields of Excellence Awa ...Boys basketball: Jacobs' Orange athlete of week
Chrishawn OrangeJacobs, JuniorThe 6-foot-1 point guard played a crucial role as the Golden Eagles wo ...
Huntley set to face familiar foe Auburn
Huntley can be thankful for one thing as it prepares to meet Auburn in a sectional for the third time in four seasons – Fred VanVleet’s in Wichita.
Spurs bury Bulls in 1st quarter
CHICAGO – It didn't take long for the San Antonio Spurs to show the Bulls why they're leading the NBA.Hub Arkush: Signing Houston isn't bad start for Bears
Talk about a leap of faith. The Bears spent $35 million for a right defensive end with 16 sacks in four seasons and a career best of six in 2013. Only ...Track the Bears' 2014 free agents
The Bears head into the offseason with 23 of their own players without contracts. Track where these players, including Devin Hester and Charles Tillma ...Bears free agency tracker: Updated signings, targets
Track the Bears' free agent targets and signings as NFL free agency begins. Players can begin sigining contracts with new teams at 3 p.m.Bears release Bush
In an expected move to save some salary cap space, the Bears released running back Michael Bush.Bush ...
Bears re-sign Collins and Palmer
The Bears re-signed two key reserves for 2014 on Sunday evening, defensive tackle Nate Collins and quarterback Jordan Palmer. Both players signed one- ...Donaldson homers for A's in 2-2 tie with White Sox
PHOENIX – Josh Donaldson hit his first home run of the spring and the Oakland Athletics tied the Chicago White Sox 2-2 in a game stopped after nine in ...Ruggiano homers, extends sizzling start for Cubs
MESA, Ariz. – Justin Ruggiano went 3 for 3 with a two-run homer and three RBIs, raising his spring training batting average to .583 as the Chicago Cub ...
Noah, Augustin lead Bulls over Heat in OT
CHICAGO – Joakim Noah and Jimmy Butler understand it.The real victory for the Chicago Bulls will com ...
Kane, Toews lift Blackhawks to 2-1 win over Sabres
BUFFALO, N.Y. – First, Patrick Kane gave his family and friends something to cheer about by scoring a highlight-reel goal Sunday night in a rare trip ...
Timothy J. O’Connor: Proper planning can ensure solid legacy
Estate planning conversations are never easy, but they’re crucial for helping create a secure future for your family.
Europe wants its Parmesan back, seeks name change
WASHINGTON – Would Parmesan by any other name be as tasty atop your pasta? A ripening trade battle m ...How investors may be getting fooled by buybacks
NEW YORK – If you're puzzled why the U.S. stock market has risen so fast in a slow-growing economy, consider one of its star performers: DirecTV.
U.S. House committee investigating GM recall
DETROIT – A congressional committee is investigating the way General Motors and a federal safety agency handled a deadly ignition switch problem in co ...
Employers posted more open jobs in January
WASHINGTON – U.S. employers advertised slightly more jobs in January than in December, a sign that hiring should remain steady in coming months.
U.S. wholesaler sales fall 1.9 percent in January
WASHINGTON – U.S. wholesale businesses in January suffered their steepest sales drop in nearly five years, yet they continued to increase their stockp ...Gander Mountain seeks Algonquin retail store
ALGONQUIN – A developer is seeking approval to build a 52,000-square-foot Gander Mountain retail store in the Millbrook Marketplace Development along ...The Forester in Crystal Lake to reopen as an IHOP again
CRYSTAL LAKE – Just eight months after the IHOP in Crystal Lake closed and independently reopened as The Forester, the restaurant is turning back into ...Bates: McHenry Area Chamber prepares for annual expo
The McHenry Area Chamber of Commerce is getting ready for a busy month packed with events.It will ho ...Centegra opens new McHenry medical center
McHENRY – Centegra Health System opened Centegra Health Center – Northern McHenry, 2507 N. Richmond Road, last week.
Obama to host new Ukrainian PM at White House
WASHINGTON – In a diplomatic dig at Russia, President Barack Obama is hosting the new Ukrainian prime minister at the White House, a high-profile gest ...
Obama expands protection for California coastline
WASHINGTON (AP) — President Barack Obama is fulfilling a State of the Union pledge to preserve more federal lands by adding more California coastline ...
Obama on Funny or Die hams it up for health care
WASHINGTON – President Barack Obama is hamming it up online to promote his health care plan.Obama jo ...
Illinois fiscal reputation costs $80 million more
SPRINGFIELD – Illinois wears a “scarlet letter” when it borrows money, denoting a woeful fiscal reputation that cost at least $80 million in additiona ...
Senate OKs bill to combat military sexual assault
WASHINGTON – The Senate overwhelmingly approved a bill late Monday making big changes in the military justice system to deal with sexual assault, incl ...Bill Prim vows not to collect sheriff's office pension
WOODSTOCK – A candidate for McHenry County Sheriff says he will not draw a second pension if he's elected to the office.Franks bill would stop new units of local government from forming
Jack Franks introduced a bill last week that would stop the growth of new units of local government.
GOP gov candidates cite proudest accomplishments
SPRINGFIELD – For state Sen. Kirk Dillard, it’s an ethics reform law. For businessman Bruce Rauner, it’s how his private-equity funds made money for s ...
Obama meets with Ukraine prime minister Wednesday
WASHINGTON — President Barack Obama will meet this week with Ukrainian Prime Minister Arseniy Yatsenyuk, the White House said Sunday, in a prominent s ...Rand Paul wins CPAC presidential straw poll
OXON HILL, Md. – She was not on the speaking program, but Hillary Rodham Clinton had presence at the nation’s largest annual gathering of conservative ...
District 12 to host wellness fair
JOHNSBURG – Childhood stress, obesity and happiness will be delved into at this year's Health and Wellness Expo.Parents call for School District 46 Board president's resignation
PRAIRIE GROVE – About a dozen parents, one after another, called for the resignation of the School District 46 Board president at Tuesday’s board meet ...D-26 considering more iPad purchases
CARY – District 26 plans to increase the amount of iPads students and teachers will have access to at school.Parents call for District 46 board president to resign
PRAIRIE GROVE – Some Prairie Grove School District 46 parents are calling for the school board president’s resignation.District 200 may trim some jobs
WOODSTOCK – District 200 will consider whether to reduce their force of teachers by 17, reductions Superintendent Ellyn Wrzeski said are largely tied ...District 156 contract changes health insurance set-up, includes raises
McHENRY – The two-year contract approved this week by the District 156 school board and teachers union will reduce the district's costs over the lengt ...Illinois universities warn of perils if budget cut
SPRINGFIELD – Illinois' public university presidents Thursday spelled out a doomsday scenario of cuts should the state's temporary tax increase expire ...District 300 eyes teacher hires for 2014-15 school year
CARPENTERSVILLE – An expanding high school and special education population at Carpentersville-based District 300 has caused school officials to go on ...
Essay portion to become optional on new SAT
WASHINGTON – Essay optional. No penalties for wrong answers. The SAT college entrance exam is undergoing sweeping revisions.Kathy (Lechner) Welch leaves District 200 board
WOODSTOCK – Kathy (Lechner) Welch was almost a teacher. Instead, after choosing a path in nursing, s ...
Trial starts for Harvard man's drug charges
WOODSTOCK – Prosecutors presented stacks of drug evidence from a Harvard man's home, while his defense attorneys have suggested that he may not have t ...
McHenry man faces DUI charge after multiple crashes near Lakemoor
LAKEMOOR – A McHenry man was charged with driving under the influence and several other offenses after he fled multiple crash scenes along Route 120 o ...Police departments plan St. Patrick's day enforcement
Local police departments are gearing up for extra enforcement for the days around St. Patrick's Day.
Spring Grove mom gets probation for harassing daughter
WOODSTOCK – A McHenry County Judge said what a Spring Grove woman did to her daughter was " absolutely unforgivable."Senate OKs bill to combat military sexual assault
WASHINGTON – The Senate overwhelmingly approved a bill late Monday making big changes in the military justice system to deal with sexual assault, incl ...Bill Prim supporters take aim at Andrew Zinke
Supporters of McHenry County sheriff's candidate Bill Prim have thrown a one-two electoral punch at opponent Andrew Zinke in the days leading up to th ...Officers in Sleepy Hollow incident put on paid leave
SLEEPY HOLLOW – The officers who shot and killed a suspect in a domestic incident have been placed on paid administrative leave, Sleepy Hollow Police ...
At 50, landmark libel case relevant in digital age
WASHINGTON – Singer Courtney Love hadn’t been born and tweeting was reserved for birds when The New York Times won a landmark libel case at the Suprem ...Two Crystal Lake stores cited for underage tobacco sales
CRYSTAL LAKE – Two Crystal Lake businesses were cited for selling tobacco to minors during a compliance check this week by Crystal Lake police.Judge doubles bond for inmate who had contact with minors
WOODSTOCK – A McHenry County judge Friday doubled the bond for a DuPage County man jailed on sex charges who allegedly reached out to minors while in ...
30-Year Fixed Mortgage Rate Remains Unchanged
Mortgage rates for 30-year fixed mortgages remained unchanged from last week, with the current rate borrowers were quoted on Zillow Mortgage Mark ...30-Year Fixed Mortgage Rate Rises for Second Consecutive Week
Mortgage rates for 30-year fixed mortgages rose again this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 4. ...30-year fixed mortgage rate declines slightly
Mortgage rates for 30-year fixed mortgages fell this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace 4.18 percent.Q & A with America’s real estate professor: Home warranties
I'm glad to see that you are a rental property owner now! I've been hearing more and more investors that use home warranties, which is quite a turnaro ...Small cities offer a chance to start over
Whether it's for personal or economic reasons, sometimes you just need to get a fresh start, away from the hustle and bustle of the big city.Q & A with America’s real estate professor: Foreign real estate
Buying good real estate is tough enough without adding in property in a far away land, with different property rights and laws, and significant potent ...Report names top cities for online crime
What Chicago was to organized crime in the 1920s, Santa Clara, Calif., has become to cybercrime in the 21st century, according to ThreatMetrix.Q & A with America’s real estate professor: Buying ski chalet in Switzerland
...Q & A with America’s real estate professor: Standard tenant rent to income percentage
Most are going to be spending all of their monthly income on rent, debts, utilities and food and will have very little to put into savings.
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