online games in the philippines
Dallas Mavericks sharpshooter Klay Thompson recently caught some heat for snubbing his former teammate, Stephen Curry , from his rightful title as the greatest shooter ever. At the time, Thompson said Reggie Miller was the best, but he has since clarified his stance in response to a fan on social media . Fan: "We love you in the Bay, Steph the greatest shooter of all time, you know that bruh!" Klay Thompson: "My man lemme clarify. I wrote this caption with my childhood in mind. At the time Reggie was the standard for off-guards and ball movement along with shot-making. We all know 30 is the GOAT shooter." Warriors fans felt betrayed when Klay alluded to Reggie as the greatest shooter ever , but Thompson didn't mean it as they thought. Growing up in the 90s, Klay didn't get to watch guys like Stephen Curry or Damian Lillard flash their ridiculous range. Instead, it was people like Reggie Miller , Glen Rice , and Mitch Richmond who dominated from the perimeter. Over his 18 years in the NBA, Reggie Miller set the ultimate standard for three-point shot-making with averages of 18.2 points, 3.0 rebounds, and 3.0 assists per game on 47.1% shooting. He made 2,560 threes in his career and shot a respectable 39.5%. In those days, perimeter play wasn't nearly as developed and three-pointers were usually taken in moderation throughout the games. Miller broke all the norms at the time by not only shooting with high volume but also knowing them down consistently enough to be effective on the court. Recently, after passing Miller on the All-Time threes list (Thompson is now 5th all-time with 2,563), he felt compelled to honor the legend in some way, which is why he wrote that caption calling him the greatest shooter. In reality, we all know that title belongs to Curry. As his teammate for 11 years, Thompson knows that more than anyone and he's standing by it today. Besides being first on the NBA's all-time threes list (3,849), Curry boasts an impressive career stat line of 24.7 points, 6.4 assists, and 4.7 rebounds per game on 47.2% shooting. As a 10x All-Star, 10x All-NBA player, 4x champion, 2x scoring leader, and 2x MVP, Steph is undoubtedly one of the greatest point guards ever, and his mastery of the three-pointer has changed the game to a massive degree. From 2015-2019, Curry and Thompson dominated the league together as a ridiculous shooting tandem. They formed a dynasty with Draymond Green and head coach Steve Kerr, who helped lead the team to four championships in eight seasons, including five consecutive Finals appearances. Today, at 36 years old, Curry is still making his mark, even if it's without his longtime Splash Bro. In 24 games this season, No. 30 is averaging 22.5 points, 6.5 assists, and 4.8 rebounds per game on 44.4% shooting. He's single-handedly keeping the Warriors afloat, who currently rank 11th in the West at 15-15. Tonight, the Warriors have a matchup against the Phoenix Suns at 8:30 PM EST at Footprint Center. On Monday, December 30th, they play the Cleveland Cavaliers at Chase Center before a game against the Philadelphia 76ers at home again on Thursday, January 2nd, at 10:00 PM EST. This article first appeared on Fadeaway World and was syndicated with permission.Uniting generations through flavourNone
Complete guide to what's open on New Year's Eve and New Year's Day 2025Saving for your grandchildren can help minimize the financial burdens they may encounter as they mature. Whether it’s paying for college, buying a first home or providing a safety net in an uncertain job market, these funds can make a significant difference. Here are the best ways to build those savings, where to keep them and how to balance them with your own retirement. Where to store savings for grandchildren The first step to establishing savings for your grandchildren is to find the right account to keep them in. Options for where to stash away those savings can vary in terms of their purpose, flexibility and potential for growth. Here are some top considerations: Custodial accounts, like Uniform Gifts to Minors Act (UGMA) and Uniform Transfers to Minors Act (UTMA) accounts, are ideal ways to set aside money that’s controlled by an older relative until the grandchild reaches adulthood. UGMA accounts hold financial assets, while UTMA accounts can hold any type of property, tangible or intangible. Custodial accounts can be opened at most large banks and brokerages. The custodian who manages the account can withdraw funds for expenses benefiting the child, giving these accounts a high degree of flexibility. These state-sponsored education savings plans can be opened by anyone for a single beneficiary (the student who inherits the funds). While primarily designed for higher education costs, 529 plans can also pay for K-12 tuitions, apprenticeship programs and student loan repayments. The money in a 529 plan grows tax-free, and withdrawals for qualified education expenses are also tax-free. If the funds are used for non-educational expenses, however, they will be subject to tax and a 10 percent penalty. Unlike custodial accounts, ownership of a 529 plan does not automatically transfer over to the named beneficiary once they reach adulthood. You control the account even as the grandchild enters college. These savings bonds can be purchased directly from the U.S. Treasury through the TreasuryDirect website. Series EE bonds earn a fixed rate for 30 years (or until they’re cashed), and the Treasury guarantees they will double in value in 20 years, even if additional money needs to be added by the federal government to make that happen. The Series I bonds are also low-risk and provide some protection against inflation by having a combined fixed rate and a variable rate that’s adjusted twice a year for inflation. Both bonds can be cashed in by a grandchild anywhere between one year and 30 years after they’re opened, though if cashed in before five years, there’s a penalty of three months of interest. Certificates of deposit can be opened at most banks and credit unions and offer a guaranteed rate of return over a specific period, ranging from a few months to several years. While they lack flexibility — early withdrawal usually incurs a penalty — they have the potential to grow at a higher rate than other low-risk savings options. For example, investing $2,000 into a competitive one-year CD, with a rate of 4.50 percent APY or more, could earn you $90 by the time your terms are up. As such, CDs could be a great option for investing in shorter-term goals for your grandchildren. Many banks and credit unions offer savings accounts designed for children and teens, often with low or no fees and helpful tools to teach kids about finance. An adult can open a joint account with the grandchild, whether that’s the grandparent or another guardian. How much control the child has over the account can vary by bank and age, but generally, both the adult and child can make deposits and withdrawals, with some restrictions. Having a joint savings account gives your grandchild an opportunity to learn about banking transactions firsthand. Using online access, they can regularly monitor their savings growth. This can open up discussions about saving, interest and financial responsibility. The potential for growth may be lower with youth savings accounts than with some other options. But you can still find attractive rates if you shop around. Alliant Credit Union, for example, pays over 3 percent APY for balances of $100 or more on its Kids Savings account. How to build savings for your grandkids Building savings for your grandchildren isn’t just about stashing away money. It’s a process that requires consistency, planning and effective use of financial resources. Use practical steps to create a robust financial legacy. Start by outlining your grandchild’s potential needs and your specific financial goals. How much do you intend to save, and by what age do you hope your grandchild will start using the funds? Setting clear objectives will guide your saving strategy and keep you on track. A simple yet effective savings strategy is making consistent contributions, even if they’re a small amount. Those small amounts will build up over time and earn more as they compound. Set up automatic transfers from your account into a grandchild’s savings account so you don’t have to remember to make regular transfers. Typically, automated savings transfers can be set up through a mobile banking app or online banking portal. You can designate a specific amount to be transferred at regular intervals, such as monthly or biweekly. As you more effectively budget and invest, consider gradually increasing your contributions over time. If you’re working, these increases could come in line with salary growth or bonuses. One way to grow your savings is to invest in diverse assets. The intention behind distributing investments among various opportunities is to spread your risks. A mix of different types of investments — such as stocks, bonds and mutual funds — can help protect against market volatility and provide a potential for better returns in the long run. Regularly review your savings strategy as your life situation changes. Maybe you land a higher-paying job and can contribute more, or your grandchild earns a scholarship, decreasing their future education costs. Tips for saving during retirement If you’re retired or close to it, striking a balance between saving for your grandchildren’s future and fully enjoying your retirement can be challenging. But there are still ways to save even if you’re past your working years.
Concerns raised over hospitality staff after smoking curbs ditchedAP Trending SummaryBrief at 6:13 p.m. EST
Uruguay is set to vote in a run-off this Sunday to pick its next president, the most uncertain election the country has faced over the last 30 years. Despite the uniqueness of this scenario, however, this is not surprising. The contest between Yamandú Orsi (Broad Front) and Álvaro Delgado (National Party and leader of the so-called Republican Coalition) will come down to the wire, according to the last surveys. And while some say that Orsi has a slight advantage, any difference is within the margin of error. The parity between the two candidates is a reflection of the country’s polarization. However, it should be said that this divisiveness has not spilled into everyday life like Argentina. All attempts to try and replicate that scenario in Uruguay have fallen flat. The tight margins are also a signal of political continuity. All consulting and polling firms have been relaying the same message since the party primaries: the electorate’s main demand is that the country stay on the same course, regardless of who wins. The team of Andrés Ojeda, the presidential candidate who came in third in the first round, viewed this scenario as a potential opportunity. “Some of the proposals were undistinguishable. If you didn’t know who had said them, you could easily think that some made by the National Party were actually uttered by the Broad Front, and vice versa,” one of his campaign strategists said. Because of this, they reasoned that there was a chance that a disruptive message like Ojeda’s could land him in the run-off. Their bid was ultimately unsuccessful. Another feature of the most uncertain run-off of the 21st century is the high level of indecision. Some polls show that it can be as high as 8%. Studies show that the vast majority of these people, a little over 218,000 according to voting records, decide their vote in the two days before the election. In the first round — with 11 candidates in the running — polls showed that voters had begun making up their minds earlier. By the time the October 27 election came around, the scenario was much more clear. The fact that the number of undecided voters has remained so high in the four weeks since the first round is noteworthy. Orsi and Delgado have focused their campaign efforts on them, with little luck so far. Another unavoidable issue is the general political apathy. In addition to the extreme parity, the current electoral cycle notched another historical fact: the party primaries saw the lowest voter turnout since the return of democracy (36%). Many observers have attributed the lack of enthusiasm to the length of the electoral process in Uruguay: it has been eight months since the beginning of the primary campaign. And it’s not over yet: in May 2025, there will be elections for departmental authorities. This distance between the world of politics and the citizenry, far from being normalized, will have to be addressed by whoever wins the election. They will have five years to try and rebuild enthusiasm.Are you better off: question at heart of next electionJimmy Carter: a challenged presidency, a life of moral courageRFID readers & encoders Market Report 2024: Comprehensive Guide to Global Market Trends, Industry Challenges, Growth Analysis, Market Share, Size Insights, and Forecast Till 2031
- Previous: online games example
- Next: online games logo
