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Audi Crooks' winning shot leads No. 8 Iowa State to 80-78 win over DrakePanthers TE Ja'Tavion Sanders carted off field for neck injury
11 Montana Western single-season program records on verge of falling Saturday
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With no guarantees that another opportunity might come his way — only the Atlanta Falcons interviewed Belichick last offseason — and unsure whether he could find the right fit in the NFL, the 72-year-old future Hall of Fame coach decided to go back to school. Belichick took his eight Super Bowl rings to North Carolina on a mission to build a college program the way he constructed two dynasties during 24 seasons with the New England Patriots. It starts with doing things his way. The Patriot Way is legendary. Perhaps it'll translate into the Tar Heel way. That's to be determined. But Belichick is back doing what he loves: coaching. And, he's going to run the show with his guys around him. An NFL team giving Belichick full control the way he had in New England seemed unlikely. Success at North Carolina could change that thinking. For now, Belichick's quest to break Don Shula's all-time record for most wins in the NFL is on hold. He's 15 victories short but the buyout clause in his college contract — a $10 million fee if done before June 2025 and $1 million after that date — leaves the window open for a return to the league. If Belichick stays in college or retires without returning to the NFL, his legacy is already cemented. Winning at North Carolina will only enhance his reputation. Losing won't impact his NFL resume. "He's one of the all-time great coaches. What he's done for the NFL and the game, we all know where he'll end up — in the Hall of Fame with a gold jacket," Dallas Cowboys executive Stephen Jones said Wednesday shortly before Belichick agreed on a five-year deal with North Carolina that pays him $10 million in base and supplemental salary annually with up to $3.5 million in bonuses per year. Belichick has his detractors. There's no denying he couldn't win without Tom Brady. He was 29-39 and had no playoff wins without No. 12 in his final four seasons with the Patriots. Critics have labeled him a cheater because of the Spygate and Deflategate scandals. He overlooked Aaron Hernandez's issues. He was tough on players, even alienating Brady in the end and letting him walk him away in free agency in 2020 only to see him lead the Tampa Bay Buccaneers to a Super Bowl in his first season there. But Belichick instilled in players the importance of doing their job and presided over an unprecedented two-decade run of dominance that withstood changing times, free agency, salary-cap restrictions and much more. Brady has always maintained how important Belichick was for his career, giving him credit for helping him become one of the best players in sports. Now, Belichick is onto Chapel Hill in a surprise twist after he spent most of the NFL season reinventing himself as an entertaining and engaging analyst. Belichick is a football genius and his knowledge came across on television. But he also displayed a fun personality, trading quips with the Mannings and cracking jokes with Pat McAffee. "College kind of came to me this year," Belichick said at his introductory news conference. "I didn't necessarily go and seek it out. I had many coaches, probably a couple dozen coaches, talk to me and say, 'Can we come down and talk to you about these things?' Let's call it the salary cap of pro football relative to college football. The headsets, the green dot, the two-minute warning, the tablets on the sideline. Those were all rules changes this year for college football that were either or the same or similar to what we had in the NFL. These coaches said, 'Hey coach can we talk to you about how you did this? How you did that? How did you use this?'. "As those conversations started and then the personnel conversations started relative to salary cap and how you spend whatever the allotment of money you have. I'd say that started to make me a lot more aware of it because the first thing I would have to do is learn about it. .... As you learn different things about different programs you start to put it all together. There is some common threads and there's some variables." How will he do as a college coach? Nobody knows yet. Three of Belichick's former players were skeptical before he took the job. "There's a lot of things he can do, and obviously he's tremendous, and even showing his personality. But getting out there on the recruiting trail and dealing with all these college kids, that would be ..." Brady said before trailing off during a conversation on Fox's NFL pregame show last Sunday. Fellow former Patriots Rob Gronkowski and Julian Edelman also wondered the same. "Can you imagine NIL, and all that nonsense?" Gronkowski said. Edelman added: "Can you imagine Bill on a couch recruiting an 18-year-old?" But Belichick doesn't have to recruit kids on visits. These are new times in college sports. The NIL has dramatically changed the landscape. Plus, Belichick's name is enough. Just like Deion Sanders at Colorado. "I think it could be great for this game, honestly, if he can find a way to make college football more like this in terms of what's being asked of the coaches, the recruiting staff, the personnel, the NIL, and all those different things," Tampa Bay Buccaneers offensive coordinator Liam Cohen said. "If he can make it a little bit less demanding on some of the coaches and create a great atmosphere and have success, I think it's great for our game. It's pretty cool to see, actually." Time for Belichick to do his job.
Percentages: FG .333, FT .714. 3-Point Goals: 4-21, .190 (Jusianiec 1-2, Ivanauskas 1-4, Planutis 1-4, Lemelman 1-5, Gamble 0-1, Lang 0-1, Blunt 0-2, Reichert 0-2). Team Rebounds: 0. Team Turnovers: None. Blocked Shots: 5 (Ivanauskas 3, Martin, Planutis). Turnovers: 6 (Ivanauskas 3, Lemelman, Rathan-Mayes, Reichert). Steals: 7 (Lemelman 3, Martin, Planutis, Rathan-Mayes, Thomas). Technical Fouls: None. Percentages: FG .646, FT .556. 3-Point Goals: 15-21, .714 (Taylor 7-10, Kearney 4-5, Mills 2-2, Springer 1-1, Duskin 1-2, Brown 0-1). Team Rebounds: 5. Team Turnovers: 1. Blocked Shots: 2 (Duskin, Kearney). Turnovers: 11 (Walker 3, Celichowski 2, Mills 2, Brown, Cooper, Kearney, Marshall). Steals: 4 (Duskin 2, Marshall, Taylor). Technical Fouls: None. .Nanalysis Announces Third Quarter 2024 Results
S.Africa's Breyten Breytenbach, writer and anti-apartheid activistRachel 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 | 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 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.
Top war-crimes court issues arrest warrants for Netanyahu and others in Israel-Hamas fightingA SCOTTISH comedian has raked in a whopping £9million after selling his portfolio of castles and mansions. Craig Ferguson is best known for hosting the US late-night talk show The Late Late Show between 2005 and 2014. Advertisement 8 Comedian Craig Ferguson has raked in £9million from selling his property portfolio Credit: Getty 8 He put his Hollywood mansion up for sale in 2019 8 He put Bargany House in Ayrshire on the market for £2.2million 8 He recently sold 13-bedroom Cassillis estate, also in Ayrshire The 62-year-old earned megabucks in America and was once the highest paid presenter on TV on £8million a year. Over the years, the former telly host has built up an incredible property portfolio, with castles and mansions in Scotland and the States. And he has raked in a total of £9million after selling the homes. In 2019, he put his seven-bedroom Hollywood mansion on the market for £5million. Advertisement read more sun stories TYCOON OF TAY Scots Castle on stunning loch gets £100m transformation by US billionaire REVAMP Hollywood star reveals plans to renovate lodge at £2million Scots mansion grounds The two time Emmy winner and his third wife Megan Wallace-Cunningham bought the sprawling estate, in the hills above Los Angeles in 2012 for £3.2million. It was described as a "one of a kind" house "a sprawling, shingle-clad multi-story affair built in 1909 that retains a variety of original or recreated Arts and Crafts details." After knocking down the price four times, he finally sold the mansion for £2.8million in 2021. Ferguson then put the the 15-bedroom Bargany House in Ayrshire on the market for £2.2million in 2021. Advertisement Most read in Celebrity Exclusive TURNED OFF Scots rock legend reveals he once turned down movie sex scene with Madonna Breaking 'RIP BROTHER' Wheel of Fortune presenter dies aged 83 after TV star 'fell suddenly ill' Exclusive TOUGH JOURNEY Kelly Brook reveals 'traumatic' miscarriages mean she's 'childless by choice' KANYE BOMBSHELL Kanye West accused of sexually assaulting model on set of music video Speaking about the property, the comedian, originally from Cumbernauld, North Lanarkshire , previously said: “It’s my own piece of paradise back in Scotland.” He became so determined to land the 340-year-old mansion that he paid £150,000 over the £1.85million asking price in 2011 after falling in love with it during a visit back home. Paul O’Grady’s Stunning Mansion Hits the Market Bargany boasts a study, cinema, games room, billiard room and gymnasium, while seven of the bedrooms also have ensuite bathrooms. It is situated in seven acres of grounds which include formal gardens, lawn and woodland in the heart of the Bargany Estate while the Girvan Water flows past its northern side. Advertisement But the comedian had to slash £250,000 off the asking price to offers over £1.95million in a bid to offload it in 2023. And Ferguson has recently sold his luxury castle for £3.8million after lowering the price. The 13-bedroom Cassillis estate, in Ayrshire, was bought by Ferguson and his wife Megan in 2021 and they set about improving the category A-listed property. It comes with a five-bedroom converted coach house and three smaller estate cottages. Advertisement Read more on the Scottish Sun REST EASY Andy Murray flooded with messages as he shares heart-breaking family update COUGH UP Motorhome park owner shuts after guests leave without paying using shock trick It also boasts 1.8 miles of salmon and sea trout fishing on the River Doon and is nestled near Prestwick and Glasgow airports. Cassillis was built in the 15th century but now features a ballroom, library, cinema room and gym. 8 Cassillis castle boasts a ballroom, library, cinema room and gym Credit: Knight Frank 8 The comedian slashed £250,000 off the asking price fro Bargany Estate to offers over £1.95million Advertisement 8 His Hollywood mansion was described as "one of a kind" 8 Ferguson is best known for hosting US talk show The Late Late Show Credit: Getty - Contributor
Patrick Fishburn leads at Sea Island as Joel Dahmen keeps alive hopes of keeping his jobFor their last holiday season in the White House, President Joe Biden and First Lady Jill Biden decked the halls with a theme of "A Season of Peace and Light." When guests first enter the White House for holiday tours, they're greeted by a massive, rotating starlight above the East Wing. The first tree on the tour is dedicated to Gold Star Families. It's made of six oversized and stacked stars representing the branches of the military. Names of fallen service members are written on gold star ornaments on the four accompanying Christmas trees around the room, according to the White House website . Brass-colored bells suspended from archways down the East Colonnade surround guests with the "peaceful sounds of the holiday season." The White House Library is a forest of vintage ceramic Christmas trees. RELATED STORY | Capitol Christmas tree arrives in Washington after 4,000-mile journey from Alaska The ceiling of the East Room is wrapped in a canopy of reflective medallions that mimic the feeling of a peaceful snowfall. This is where guests will find the Nativity scene that has been displayed during every White House holiday season since 1967. In the Blue Room, guests will find the official White House Christmas Tree, a Fraser fir from North Carolina, on display in the center of a whimsical carousel. Every year the room's chandelier is removed to accommodate the tall Christmas trees. Military families from the USS Delaware and the USS Gabrielle Giffords, Navy vessels that First Lady Biden sponsors, made dazzling paper garlands that wrap around the State Dining Room. One of the most anticipated features every year is the Gingerbread White House. The sugary replica features a large starburst and a cheerful scene of ice skaters this year. The White House said the gingerbread masterpiece took 25 sheets of gingerbread dough, 10 sheets of sugar cookie dough, five pounds of pastillage, 45 pounds of chocolate, 50 pounds of royal icing and 10 pounds of gum paste to come to life. In total, there are 83 Christmas trees throughout the White House adorned with approximately 9,810 feet of ribbon and over 28,125 ornaments. Over 165,075 lights decorate the trees, garlands, wreaths and displays. RELATED STORY | Experts share tips on how to have a bugfree Christmas "It has been the honor of our lives to serve as your President and First Lady. Our hope is for the Nation to be blessed with the peace and light of the holiday season. We wish you a Merry Christmas and Happy Holidays," the president and first lady wrote in the welcome letter for the commemorative White House Holiday Guide. It took over 300 dedicated volunteers from across the country a full week to decorate the inside and outside of the White House, who the first lady thanked during a special event to mark the holiday season. The first lady invited National Guard families to be the first to experience this year's magical decorations and had their children on stage at the special event.
CHICAGO — It looked like the Vikings had put the game away for good on Sunday afternoon at Solider Field when a chip-shot field goal attempt from kicker Parker Romo sailed through the uprights in the final minutes. ADVERTISEMENT That made it 27-16 in favor of the Vikings with the Chicago Bears needing a miracle. They got it. After a big kick return put the Bears in very good field position, rookie quarterback Caleb Williams led an impressive drive, throwing a touchdown pass to receiver Keenan Allen to cut the deficit to 27-24. A blunder by the Vikings on the onside kick allowed the Bears to recover, then kicker Cairo Santos nailed a 48-yard field goal as time expired to tie the game at 27-27 and send it into overtime. In the extra session, veteran quarterback Sam Darnold took over for the Vikings. He went 6 for 6 passing on the final drive, setting up Romo for a game-winning field goal that helped the Vikings escape with a 30-27 win. The game looked like it was going to be a hot start for the Vikings after running back Aaron Jones got loose for a 41-yard gain. He was stripped of the ball at the goal line a couple of plays later, however, marking another missed opportunity for the Vikings in the red zone. ADVERTISEMENT That cracked the door open for the Bears, and the mobility of their rookie quarterback took centerstage. On a particular play, Williams avoided pressure from Andrew Van Ginkel off the edge, rolled to his right, then dropped a dime to D’Andre Swift along the sideline. That put the Bears in position to score, and running back Roschon Johnson found the into the end zone shortly thereafter to make it 7-0. In need of a response, the Vikings got it almost immediately when Darnold dropped back and unleashed a deep pass to receiver Jordan Addison. It was an incredible catch from Addison as he hauled it in while being dragged down from behind. On the very next play, Addison finished the drive, catching a touchdown pass in traffic to help the Vikings to tie the game at 7-7. The vibes shifted in favor of the Vikings on the following possession. ADVERTISEMENT It looked like the Bears had picked up a big gain when receiver Keenan Allen caught a ball along the sideline. After a challenge flag thrown by head coach Kevin O’Connell, however, the officials ruled that Allen did not get both feet in bounds. On the very next play defensive tackle Jerry Tillery blocked a field goal, and the Vikings kept the Bears off the board. That paved the way for the Vikings to take control as star receiver Justin Jefferson drew a 35-yard defensive pass interference penalty that put the ball in the red zone. A couple of plays later, Darnold found receiver Jalen Nailor for a touchdown to make it 14-7 in favor of the Vikings. After a punt by the Vikings, the Bears got a field goal Santos to cut the deficit to 14-10 at halftime. ADVERTISEMENT With an opportunity to take control coming out of halftime, Darnold found Addison with a perfect ball near the sideline that went for 69-yard gain. Unfortunately for the Vikings, they stalled out in the red zone, setting for a field goal from kicker Parker Romo to stretch the lead to 17-10. The biggest swing of the game came when receiver DeAndre Carter muffed a punt for the Bears, and edge rusher Bo Richter recovered the fumble for the Vikings. Not long after that, Jones atoned for his fumble with a touchdown to make it 24-10. After the Bears got a touchdown to cut the deficit to 24-16, it seemed like the Vikings put the game away with a field goal to restore the lead to 27-16. Not so fast. ADVERTISEMENT After an impressive drive by Williams helped cut the deficit to 27-24, the Bears recovered the onside kick. That set the stage for Santos to nail a 48-yard field goal to tie the score at 27-27 and send the game into overtime. In the extra session, the Vikings stepped up on defense by forcing a punt, then stepped up on offense with Darnold leading an impressive drive of his own. That set the stage for Romo and he nailed a 29-yard field goal to give the Vikings the win. ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .
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