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OTTAWA - A Liberal MP says his committee colleagues are wasting time by launching a third inquiry into the former employment minister instead of focusing on important legislation for Indigenous Peoples. Jaime Battiste, who is Mi’kmaq, said there has been an “attack” on fellow Liberal MP Randy Boissonnault, who left his position as employment minister on Wednesday after allegations of shifting claims of Indigenous identity and questions around his past business dealings. Boissonnault has been the subject of two parliamentary probes, and Battiste said a third one by the Indigenous and northern affairs committee is “a waste of time, and it seems to be the Conservatives’ way of ensuring that nothing gets done in the House of Commons.” The Conservatives, NDP and Bloc Québécois all supported pushing ahead with the third study, even after Boissonnault left cabinet. Though Liberal MPs did not object to the motion Thursday, Battiste said the committee’s time would be better spent studying legislation on important issues such as First Nations policing, a modern treaty commissioner and clean water for First Nations. “It’s very much my fear and frustration that politics is now becoming more important at the Indigenous and northern affairs committee than actually Indigenous Peoples that we’re there every day to try to make life better for,” he said. Boissonnault came under intense scrutiny after the National Post reported that a company he previously co-owned described itself as wholly Indigenous-owned in order to apply for government contracts set aside for Indigenous businesses. He has been described as Indigenous multiple times in communications from the Liberal party, and in 2018 referred to himself as “non-status adopted Cree” — a statement he has repeated on other occasions. He also said his great-grandmother was a “full-blooded Cree woman.” He has since clarified that his adoptive mother and brother are Métis, and he apologized for his shifting claims last Friday. The House ethics committee has separately investigated Boissonnault’s past business dealings after media reports alleged he remained involved in the company he co-founded after he was re-elected in 2021. Opposition MPs on the Indigenous and northern affairs committee passed a motion on Tuesday — a day before Boissonnault left cabinet — for the employment minister to appear as a witness to discuss his claims to Indigenous identity. But because Boissonnault is no longer in cabinet, the Liberal chair of the committee ruled Thursday that newly minted Employment Minister Ginette Petitpas Taylor is technically the person the motion called to testify. “I figured this might happen,” said Conservative MP and committee member Jamie Schmale. “If there are games to be played here and we have Minister Petitpas Taylor attend, I don’t think that goes to the spirit of the House order. I don’t think it would be very responsible to go against that ... It’s Randy Boissonault that the House determined it needs and is ordered to appear along with several other witnesses. That’s who we expect to be in that seat.” A new motion from the Conservatives calls directly for Boissonnault to appear at the committee. One of the key concerns raised about Boissonnault in recent weeks is related to the government’s Indigenous business procurement strategy. A directory provides the federal government with names of businesses it could consider using to meet its Indigenous procurement target, which states a minimum five per cent of the total value of government contracts should be held by Indigenous-owned businesses. Indigenous Services Minister Patty Hajdu told a House of Commons committee on Tuesday that the company Boissonnault founded was not listed on that directory. Battiste suggested the committee will now be in a position of determining who is eligible for Indigenous programming and determining who is Indigenous, and as a First Nations person he does not agree with that. “I have a lot of concern because no First Nations, Métis or Inuit in this country are asking committees — who are filled with non-Indigenous Peoples — to determine our identity, who we are.” Schmale, NDP MP Lori Idlout and Bloc MP Sebastian Lemire, who are all members of the committee, did not immediately respond to requests for comment. This report by The Canadian Press was first published Nov. 21, 2024.

At the same time, the potential consequences of the United States withdrawing from NATO are significant. The alliance plays a crucial role in deterring aggression and promoting stability in Europe, and a U.S. exit could have far-reaching implications for regional security.Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | How to protect your communications through encryption Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases Business | WBUR is canceling Radio Boston after layoffs at NPR station: ‘Big change is coming’ Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. You might have a general idea of how much money you need to save for retirement . A few quick calculations can give you an estimate, but to truly appreciate where you stand, you’ll need to dive into the numbers. Here’s how to get started. A good rule of thumb to estimate your retirement savings goal is the Rule of 25 . Simply multiply your desired annual retirement income by 25. The result is roughly how much you’ll need to save before hitting retirement. For example, if you plan to spend $50,000 a year, you’ll need about $1.25 million to make it a reality. The Rule of 25 is based on the idea that withdrawing 4% annually from your retirement savings should last you about 30 years. While it’s not an exact science by any means — health care costs and lifestyle changes can skew the numbers, for example — the Rule of 25 can be a good starting point to figure out how much you need to save. Fidelity Investments, a behemoth in the retirement planning space, offers savings guidelines to help you determine if you’re on track . —By age 30: Save 1x your annual salary —By age 40: Save 3x your annual salary —By age 50: Save 6x your annual salary —By age 60: Save 8x your annual salary —By age 67: Save 10x your annual salary For example, if you earn $60,000 annually, you should aim for $600,000 in savings by age 67. But like the Rule of 25, Fidelity’s guidelines offer a 10,000-foot look at retirement goals, and they’re not customized to your situation. Maybe you earned a low salary in your 20s, but you’re working hard in your 30s to make up for it. Use these estimates as a benchmark — but don’t get discouraged if you’re lagging behind. Now it’s time to zoom in a little. To get a clearer snapshot of your progress, use an online retirement calculator. These tools factor in your age, current savings, income and lifestyle goals to estimate whether you’re on track. You’ll get a more refined estimate without crunching the numbers yourself. Bankrate’s retirement calculator even lets you input different rates of return on your investments and accounts for estimated annual salary increases. Having a general savings goal is nice, but to avoid falling short in retirement, you’ll need more than a ballpark figure. Experts recommend creating a retirement budget to get an up-close-and-personal look at how much you’ll really need once you leave the workforce. First, estimate how much you’ll spend per month in retirement. While some costs will increase, like health care, others will likely decrease, like dining out and commuting. “Estimating expenses can be challenging for some people, so as a starting point, I often use your net take-home pay,” says Jeff DeLarme, a certified financial planner and president of DeLarme Wealth Management. For example, if you receive a direct deposit of $2,500 every two weeks from work, use $5,000 as your estimated monthly spending in retirement. “Assuming this was enough to pay the bills while working, we can use $5,000 a month as a starting budget to plan for,” says DeLarme. Next, map out your sources of income in retirement. Social Security is the largest income stream for most retirees, but don’t neglect other inflows, such as: —Workplace retirement accounts, like 401(k)s —Personal retirement accounts, like a traditional or Roth IRA —Pensions —Annuities —Selling your home or business —Rental income —Inheritance “If there’s a gap between your expected expenses and income, you’ll have a good idea of how much you need to save,” says Mike Hunsberger, a certified financial planner and owner of Next Mission Financial Planning. From there, you can adjust your savings and investment strategy accordingly. For something as important (and complex) as retirement planning, it pays to speak with a professional. Financial advisers can analyze your savings, investments and retirement goals to create a personalized plan. Advisers use special planning software that account for more variables than an online calculator, giving you a much more precise, granular look at your financial life in retirement. Many financial advisers can also help you optimize your tax strategy, which can potentially save you thousands of dollars over time. Make sure the adviser you hire is a fiduciary , meaning they’re legally obligated to prioritize your interests over their own. A fiduciary won’t push investments to earn a commission or recommend products that aren’t aligned with your needs. A certified financial planner is one of the most well-recognized designations for fiduciaries. You can use Bankrate’s adviser matching tool to find a certified financial planner in your area in minutes. Maybe you did the math and realized you’re not quite where you need to be. Don’t panic if you’re behind schedule. Here are five strategies experts recommend to help you catch up on your retirement savings . Cutting expenses now frees up more cash to invest in your retirement accounts. Evaluate your budget and identify areas where you can cut costs, like dining out, streaming subscriptions or shopping. Don’t rule out bigger lifestyle changes either, especially if retirement is rapidly approaching. Housing is the biggest monthly expense for most people. Getting creative here can help amplify the amount you can sock away, says Joseph Boughan, a certified financial planner and managing member at Parkmount Financial Partners. It can also reduce your expenses in retirement, so you may not need to save as much as before. “Downsizing can be a great way to cut expenses,” says Boughan. “This can even free up cash if you don’t end up needing all that money for a new home.” Moving somewhere with lower property taxes or income taxes can also help bring your retirement plan back in line. And if you’re a renter, making tough short-term decisions, like taking on a roommate or moving to a lower cost-of-living area, can free up hundreds of dollars a month for your retirement. “Everyone’s plan is unique, so exploring all the options is important,” Boughan says. Joe Conroy, a certified financial planner and owner of Harford Retirement Planners, recommends taking a “retirement test drive” as you near your target date. “Start to live on what income you think you can afford in retirement and stash all the extra income into savings and investments,” says Conroy. “If you can make it through each month, you’re ready for retirement. If you run short, then adjust your plan accordingly.” Working a little longer can be a game-changer for your retirement nest egg. Not only does it give you more time to save, it also gives your investments room to grow. “Working longer or even just part time for a few years early in retirement is one of the best ways to reduce the amount of money you need to save,” says Hunsberger. Postponing retirement can also boost your Social Security benefits . “You can claim as early as 62, but your benefits will be reduced significantly,” says Hunsberger. Meanwhile, each year you delay claiming Social Security benefits beyond your full retirement age , your monthly check will increase by 8%, though this benefit maxes out at age 70. So waiting can really pay off. It may seem obvious, but if you’re behind on retirement savings, you’ll need to boost your contributions as much as possible. Here are a few ways to make saving for retirement easier: —Increase your contribution rate: Allocate a larger portion of your paycheck to a workplace retirement plan. Even bumping up your contributions by 1% or 2% can make a huge difference down the road. —Take advantage of your employer match: Don’t leave free money on the table. Many employers will chip in between 3 and 5% depending on your plan, so make sure you’re contributing enough to take advantage of the benefit. —Use “unexpected” money to catch up: If you get a raise or bonus at work, funnel part of it directly into your 401(k). And if you get a refund at tax time, siphon some of it off to beef up your IRA. If you’ve been investing in low-risk, low-return investments, you may not be keeping up with inflation, let alone growing your nest egg. Reallocating part of your portfolio to stocks or low-cost growth exchange-traded funds (ETFs) is one way to get your money working harder. Higher-risk investments like stocks carry more volatility but also offer higher potential returns. Work with a financial adviser or use a robo-adviser to strike the right balance between growth and your personal risk tolerance. Contribution limits for 401(k) plans and IRAs are higher for people over 50. For 2025, employees aged 50 and up who participate in most 401(k) plans or the federal government’s Thrift Savings Plan can save up to $31,000 annually, including a $7,500 catch-up contribution . But thanks to SECURE 2.0 , a sweeping retirement law, a new higher catch-up contribution limit of $11,250 applies for employees ages 60 to 63. So, if you’re in this age group, you can squirrel away a whopping $34,750 a year during the final stretch of your career. Of course, you’ll need a big salary (think six figures) in order to take full advantage of such massive contribution limits. But if you can afford it, these catch-up allowances can put your plan back on track, especially if you struggled to save much early in your career. There’s no GPS to gauge your progress on the road to retirement. If you’ve veered off course or aren’t sure where to start, begin by getting a quick estimate of how much you’ll need before mapping out a retirement budget. And if you’re behind, don’t panic — adjusting your spending, boosting your contributions and speaking with a financial adviser can help you catch up. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.30-Year-Old MIT Ph.D. on Quest to Find Family: Sold Three Times, Journey of Twists and Turns Finally Sees Light