casino games best

casino games best Global Biochar Fertilizer Market: Key Trends, Market Share, Growth Drivers, and Forecast for 2024-2033NoneAI Unlimited Group's Lever App Helps Borrowers Stay Ahead of Student Loan Servicer PitfallsThirty-six years ago, my dad attended his first women’s basketball game when I was 10 and joined a team at Ott YMCA. I was the only girl on my team, and he thought it would be good for me to see women playing at a higher level. We both fell in love with the UofA "Ladycats", and I went to their summer camps, became a ball-girl, and later played for Sahuaro High School. My dad never missed a game—whether it was mine or the Cats'. Now 82, he still attends every home game despite battling Parkinson’s and a severe lung disorder. Riding his mobility scooter all the way from his townhouse a mile away to the arena, with his oxygen generator in tow. The games give him something to look forward to, and the social connection he finds there with others in the handicapped section keeps him going. Cindy Hoskins Midtown Disclaimer: As submitted to the Arizona Daily Star. Follow these steps to easily submit a letter to the editor or guest opinion to the Arizona Daily Star. Respond: Write a letter to the editor | Write a guest opinion Subscribe to stay connected to Tucson. A subscription helps you access more of the local stories that keep you connected to the community. Catch the latest in Opinion Get opinion pieces, letters and editorials sent directly to your inbox weekly!

Thousands of Syrians poured into streets echoing with celebratory gunfire and waved the revolutionary flag in scenes that recalled the early days of the Arab Spring uprising, before a brutal crackdown and the rise of an insurgency plunged the country into a nearly 14-year civil war. The swiftly moving events raised questions about the future of the country and the wider region. “Our approach has shifted the balance of power in the Middle East,” President Joe Biden said , crediting action by the U.S. and its allies for weakening Syria’s backers — Russia, Iran and Hezbollah. He called the fall of Assad a “fundamental act of justice” but also a “moment of risk and uncertainty,” and said rebel groups are “saying the right things now” but the U.S. would assess their actions. Russia requested an emergency session of the U.N. Security Council to discuss Syria, according to Dmitry Polyansky, its deputy ambassador to the U.N., in a post on Telegram. The arrival of Assad and his family in Moscow was reported by Russian agencies Tass and RIA, citing an unidentified source at the Kremlin. A spokesman there didn’t immediately respond to questions. RIA also said Syrian insurgents had guaranteed the security of Russian military bases and diplomatic posts in Syria. Earlier, Russia said Assad left Syria after negotiations with rebel groups and that he had given instructions to transfer power peacefully. The leader of Syria’s biggest rebel faction, Abu Mohammed al-Golani , is poised to chart the country’s future. The former al-Qaida commander cut ties with the group years ago and says he embraces pluralism and religious tolerance. His Hayat Tahrir al-Sham group, or HTS, is considered a terrorist organization by the U.S. and the U.N. In his first public appearance since fighters entered the Damascus suburbs Saturday, al-Golani visited the Umayyad Mosque and described Assad’s fall as “a victory to the Islamic nation.” Calling himself by his given name, Ahmad al-Sharaa, and not his nom de guerre, he said Assad had made Syria “a farm for Iran’s greed.” The rebels face the daunting task of healing bitter divisions in a country ravaged by war and split among armed factions. Turkey-backed opposition fighters are battling U.S.-allied Kurdish forces in the north, and the Islamic State group is still active in remote areas. Syrian state television broadcast a rebel statement saying Assad had been overthrown and all prisoners had been released. They urged people to preserve the institutions of “the free Syrian state,” and announced a curfew in Damascus from 4 p.m. to 5 a.m. An online video purported to show rebels freeing dozens of women at the notorious Saydnaya prison, where rights groups say thousands were tortured and killed . At least one small child was seen among them. “This happiness will not be completed until I can see my son out of prison and know where is he,” said one relative, Bassam Masr. “I have been searching for him for two hours. He has been detained for 13 years.” Rebel commander Anas Salkhadi appeared on state TV and sought to reassure religious and ethnic minorities, saying: “Syria is for everyone, no exceptions. Syria is for Druze, Sunnis, Alawites, and all sects.” “We will not deal with people the way the Assad family did,” he added. Celebrations in the capital Damascus residents prayed in mosques and celebrated in squares, calling, “God is great.” People chanted anti-Assad slogans and honked car horns. Teenage boys picked up weapons apparently discarded by security forces and fired into the air. Soldiers and police fled their posts and looters broke into the Defense Ministry. Families wandered the presidential palace, walking by damaged portraits of Assad. Other parts of the capital were empty and shops were closed. “It’s like a dream. I need someone to wake me up,” said opposition fighter Abu Laith, adding the rebels were welcomed in Damascus with “love.” Rebels stood guard at the Justice Ministry, where Judge Khitam Haddad said he and colleagues were protecting documents. Outside, residents sought information about relatives who disappeared under Assad. The rebels “have felt the pain of the people,” said one woman, giving only her first name, Heba. She worried about possible revenge killings by the rebels, many of whom appeared to be underage. Syria’s historically pro-government newspaper al-Watan called it “a new page for Syria. We thank God for not shedding more blood.” It added that media workers should not be blamed for publishing past government statements ordered from above. A statement from the Alawite sect that formed the core of Assad’s base called on young Syrians to be “calm, rational and prudent and not to be dragged into what tears apart the unity of our country.” The rebels mainly come from the Sunni Muslim majority in Syria, which also has sizable Druze, Christian and Kurdish communities. In Qamishli in the northeast, a Kurdish man slapped a statue of the late leader Hafez Assad with his shoe. Calls for an orderly transition The rebel advances since Nov. 27 were the largest in recent years, and saw the cities of Aleppo, Hama and Homs fall within days as the Syrian army melted away. The road to Damascus from the Lebanese border was littered with military uniforms and charred armored vehicles. Russia, Iran and Hezbollah, which provided crucial support to Assad, abandoned him as they reeled from other conflicts. The end of Assad’s rule was a major blow to Iran and its proxies, already weakened by conflict with Israel . Iran said Syrians should decide their future “without destructive, coercive, foreign intervention.” The Iranian Embassy in Damascus was ransacked after apparently having been abandoned. Hossein Akbari, Iran’s ambassador to Syria, said it was “effectively impossible” to help the Syrian government after it admitted the insurgents’ military superiority. Speaking on Iranian state media from an undisclosed location, he said Syria’s government decided Saturday night to hand over power peacefully. “When the army and the people could not resist, it was a good decision to let go to prevent bloodshed and destruction,” Akbari said, adding that some of his colleagues left Syria before sunrise. Iran’s Foreign Minister Abbas Araghchi, speaking on state TV, said there were concerns about the “possibility of civil war, disintegration of Syria, total collapse and turning Syria into a shelter for terrorists.” Syrian Prime Minister Mohammed Ghazi Jalali has said the government was ready to “extend its hand” to the opposition and turn its functions over to a transitional government. A video on Syrian opposition media showed armed men escorting him from his office to a hotel. The U.N.’s special envoy for Syria, Geir Pedersen, has called for urgent talks in Geneva to ensure an “orderly political transition.” The Gulf nation of Qatar, a key regional mediator, hosted an emergency meeting of foreign ministers and top officials from eight countries with interests in Syria late Saturday, including Iran, Saudi Arabia, Russia and Turkey. Majed al-Ansari, Qatar’s Foreign Ministry spokesman, said they agreed on the need “to engage all parties on the ground,” including the HTS, and that the main concern is “stability and safe transition.” Meanwhile, Prime Minister Benjamin Netanyahu said Israeli troops had seized a buffer zone in the Golan Heights established in 1974, saying it was to protect Israeli residents after Syrian troops abandoned positions. Israel’s military later warned residents of five southern Syria communities to stay home for their safety, and didn’t respond to questions. Israel captured the Golan in the 1967 Mideast war and later annexed it. The international community, except for the U.S., views it as occupied, and the Arab League on Sunday condemned what it called Israel’s efforts to take advantage of Assad’s downfall to occupy more territory. Sewell reported from Beirut. Associated Press writers Bassem Mroue, Kareem Chehayeb in Beirut; Samar Kassaballi, Omar Sanadiki and Ghaith Alsayed in Damascus; Jon Gambrell in Manama, Bahrain; Josef Federman in Doha, Qatar; and Tia Goldenberg in Jerusalem, contributed.CONX Corp. Announces Acquisition of Red Technologies SASDETROIT (AP) — Starting in September of 2027, all new passenger vehicles in the U.S. will have to sound a warning if rear-seat passengers don't buckle up. The National Highway Traffic Safety Administration said Monday that it finalized the rule, which also requires enhanced warnings when front seat belts aren't fastened. The agency estimates that the new rule will save 50 lives per year and prevent 500 injuries when fully in effect, according to a statement. The new rule will apply to passenger cars, trucks, buses except for school buses, and multipurpose vehicles weighing up to 10,000 pounds. Before the rule, seat belt warnings were required only for the driver's seat. Under the new rule, outboard front-seat passengers also must get a warning if they don't fasten their belts. Front-center seats will not get a warning because NHTSA found that it wouldn't be cost effective. The agency said most vehicles already have warnings for the outboard passenger seats. The rule also lengthens the duration of audio and visual warnings for the driver's seat. The front-seat rules are effective starting Sept. 1 of 2026. Rear passengers consistently use seat belts at a lower rate than front passengers, the agency says. In 2022, front belt use was just under 92%, while rear use dropped to about 82%. About half of automobile passengers who died in crashes two years ago weren’t wearing belts, according to NHTSA data. The seat belt rule is the second significant regulation to come from NHTSA in the past two months. In November the agency bolstered its five-star auto safety ratings to include driver assistance technologies and pedestrian protection. Safety advocates want the Department of Transportation, which includes NHTSA, to finish several more rules before the end of the Biden administration, because President-elect Donald Trump has said he’s against new government regulations. Cathy Chase, president of Advocates for Highway and Auto Safety, urged the department to approve automatic emergency braking for heavy trucks and technology to prevent impaired driving.

Police in Serbia are using mobile device hacking tools to break into the phones of activists and journalists and then installing spyware to track them, in a report. The organization says the state uses tools built by Israeli company Cellebrite, which are intended to help law enforcement unlock devices for forensic purposes. Amnesty International calls for the Serbian government to end these surveillance practices: Amnesty International gathered various accounts of Serbian authorities processing the phones of civil society members, who were detained under various premises, with additional procedures (such as drug testing and psych evaluations) that added extra time to the length of detention, and therefore the total amount of time the authorities had access to their phones. During this time, police would plant “Novispy” — a spyware program that is likely state-developed — on their phones. Some devices were broken into using a (since-patched) Qualcomm vulnerability, Amnesty International explains in the document. One case reported by mentions Serbian news outlet FAR’s deputy editor, Slaviša Milanov, and the editor-in-chief were driving together when they were stopped by Serbian authorities, who detained them and confiscated their phones. When the phones were returned, they noticed changes, like data and Wi-Fi being toggled off and apps using a lot of energy. Milanov says his Android device, a Xiaomi Redmi Note 10S, was running extra software when he got it back and that the police had extracted 1.6GB of data even though he had not given up his password. Cellebrite senior director Victor Cooper responded to questions from Amnesty International, saying the company’s products “are licensed strictly for lawful use” that requires a warrant or a legally-sanctioned investigation per the end user agreement. Cooper also told 404 Media that Cellebrite is investigating the “alleged misuse” of their technology and is “prepared to impose appropriate sanctions” with any relevant agencies. /

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 | The year in money: inflation eased, optimism ticked upward Business | How to protect your communications through encryption Business | Army and Navy team up for hypersonic missile launch from Cape Canaveral 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 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.

Police chiefs warn of cuts to officer numbers to meet funding shortfallTexas Attorney General Investigating Google-Backed AI Startup Accused of Inappropriate Interactions With Minors

Notice of Convening HearingTheir expectation levels may have been different, but neither Rutgers nor Seton Hall has had the most promising start to the season. New Jersey's two power-conference programs will try to author a signature win when the Pirates visit the Scarlet Knights for the Garden State Hardwood Classic on Saturday afternoon in Piscataway, N.J. Rutgers (6-4) endured a three-game losing streak before picking up its first Big Ten win of the season Tuesday, 80-76 over Penn State. The Scarlet Knights have enjoyed plenty of attention thanks to five-star freshmen Dylan Harper and Ace Bailey, but they've also put a loss to Kennesaw State on their resume. They'll try to assert their dominance over Seton Hall (5-5), which has lost to Fordham, Hofstra and Monmouth while fielding one of the weakest offenses in Division I. At 60.1 points per game, the Pirates rank sixth-to-last in the country, even as they limit opponents to 59.4 points per outing (the No. 11 scoring defense). Rutgers is 5-0 at home after leading by as many as 15 in the Penn State victory. Harper had 24 points, 12 rebounds and five assists and Bailey produced 15 points and 15 rebounds. "They're like a sixth defender for us," Harper said of the fans. "We've been on the road for 20 days so seeing all of our fans, and seeing how loud they were, it meant the world to us." The student section will be especially fired up to see the rival Pirates, which could make free-throw shooting an issue for them. They rank No. 350 in the country at 60.3 percent from the foul line entering Friday. However, Seton Hall pulled out a road win the last time the game was played at Rutgers. In a defensive rock fight in 2022, the Pirates prevailed 45-43. Rutgers got revenge last season at Seton Hall's place, winning 70-63. But most players on both rosters are new and will experience the rivalry game for the first time. "I don't have a Jersey player on my team, right?" Pirates coach Shaheen Holloway told NJ.com . "So I have to get those guys to understand rivalries." Seton Hall will lean on Chaunce Jenkins (11.8 ppg) -- who was limited in the team's 85-76 loss to Oklahoma State on Sunday due to a knee injury, but is cleared to face Rutgers -- and Isaiah Coleman (11.7 ppg), one of three returning players from last year's team. For Rutgers, Harper is excited about the rivalry having grown up in New Jersey and watched his older brother, Ron Harper Jr., play in the game. At 23.4 ppg, Dylan Harper is the third-leading scorer in the country, and he adds 5.1 rebounds and 4.6 assists per contest. Seton Hall leads the all-time series 42-32. --Field Level Media

Trump Comes Out Against Port Automation, Says It Would Cause 'Distress, Hurt, And Harm' For LongshoremenLITTLETON, Colo. , Dec. 5, 2024 /PRNewswire/ -- CONX CORP. (OTC: CNXX) ("CONX") today announced the acquisition of a controlling interest in Red Technologies SAS ("RED Technologies"), through its wholly-owned subsidiary, RED Tech US, LLC, for a maximum purchase price of approximately EUR 18.6 million in cash, subject to certain adjustments. CONX acquired approximately 68% of RED Technologies' outstanding share capital at closing, with the remainder of the shares to be acquired in future installments based on the achievement of certain milestones. The executive team of RED Technologies, Pierre-Jean Muller (Co-Founder and CEO) and Michael Abitbol (Co-Founder and COO), will continue to manage the operations of RED Technologies, aimed at establishing the company as a viable alternative in the CBRS market. "The acquisition of RED Technologies by CONX is a pivotal milestone on our path to serve as a viable alternative to the current duopoly in the SAS space," said RED Technologies CEO P.J. Muller . "This partnership strengthens our ability to innovate and enhance the CBRS ecosystem for the benefit of all operators and stakeholders. With support and investment from CONX, we are poised to accelerate the development of cutting-edge features, such as GAA coexistence, Network Planner, and AI-based CBRS analytics, that align with our mission to support the FCC's vision and empower rural broadband and the nascent Private Network industry." "CONX was formed to invest in next generation connectivity opportunities and their supporting infrastructure assets," said CONX CEO Jason Kiser . "Through RED's unique opportunity as a technology enabler for spectrum allocation, we have positioned CONX to create long term value across multiple sectors. We look forward to RED becoming a best-in-class Spectrum Access System (SAS) operator with potential to grow throughout the United States and internationally." CONX also announced Marc Rouanne will join the RED Technologies board. Marc is the Co-Founder, Chairman and CTO of Edgescale AI, a SaaS developer focused on connecting cutting-edge AI with data and devices in physical systems. Most recently, he was the Chief Network Officer for DISH Wireless responsible for designing DISH's 5G Network. In addition, Marc has more than 20 years of international management experience in the telecommunications industry, having held executive positions in R&D, customer operations and product management in the U.S., France and Finland , including as President of Mobile Networks at Nokia and Chairman of the Board of Alcatel-Lucent. About CONX Corporation (OTC: CNXX) CONX is a diversified operating entity seeking opportunities to power the next generation of innovators in communications and connectivity. CONX's mission is to partner with emerging companies with quality management and strong and differentiated business models with the ability to scale quickly. About RED Technologies Established in 2012 and headquartered in Paris, France , RED Technologies SAS ("RED Technologies") specializes in spectrum-sharing technologies and services. The company offers scalable, cloud-based solutions for Citizens Broadband Radio Service (CBRS) and Television White Space (TVWS), catering to operators across various sectors, and provides operated 5G connectivity solutions that democratize access to 5G technology for companies aiming to modernize their communications infrastructure in both the U.S. and European markets. RED Technologies has been a pioneer in spectrum sharing technologies and actively contributed to the CBRS regulatory and standard developments. RED Technologies' team is constituted of first-class engineers coming from top tier telecom vendors and operators. Important Notice The description contained herein is neither an offer to purchase nor a solicitation of an offer to sell securities of CONX. Forward-Looking Statements This press release contains certain statements which may constitute "forward-looking statements." Actual results could differ materially from those projected or forecast in the forward-looking statements. The factors that could cause actual results to differ materially include, but are not limited to, the following: the possibility that the parties may be unable to achieve expected synergies and operating efficiencies pursuant to the transaction within the expected timeframes or at all and to successfully integrate Red Technologies' operations into those of CONX ; such integration may be more difficult, time consuming or costly than expected; revenues following the transaction may be lower than expected; operating costs, customer loss and business disruption (including, without limitation, difficulties in maintaining relationships with employees, customers, clients or suppliers) may be greater than expected following the transaction; the retention of certain key employees at Red Technologies; the parties' ability to meet expectations regarding the accounting and tax treatments of the transaction; CONX and Red Technologies are subject to intense competition; Red Technologies' products must remain compatible with, and its product development is dependent upon access to, changing operating environments; we may become dependent upon large transactions; customer decisions are influenced by general economic conditions; third parties may claim that RED Technologies' products infringe their intellectual property rights; fluctuations in non-U.S. currencies could result in transaction losses; acts of war and terrorism may adversely affect CONX's and RED Technologies' business; the volatility of the international marketplace; and the other factors discussed in "Risk Factors" in CONX's Registration Statement on Form S-1 filed with the Securities and Exchange Commission (the "SEC") on May 29, 2024 (as amended), and in other reports we file with the SEC, which are available at http://www.sec.gov . CONX expressly disclaims any obligations or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in CONX's expectations with respect thereto or any change in events, conditions or circumstances on which any statement is based. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof. View original content: https://www.prnewswire.com/news-releases/conx-corp-announces-acquisition-of-red-technologies-sas-302324446.html SOURCE CONX Corp.

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 | Tech review: Earbuds and phones for those on your holiday list Business | The year in money: inflation eased, optimism ticked upward Business | Some in seafood industry see Trump as fishermen’s friend, but tariffs could make for pricier fish Business | Trump offers support for dockworkers union by saying ports shouldn’t install more automated systems Business | 6 ways to avoid a financial hangover 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.Automatic Partners with MeridianLink to Revolutionize Lender-Dealership Connectivity