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WASHINGTON (AP) — Micah Peavy's 24 points helped Georgetown defeat Albany (NY) 100-68 on Saturday night. Peavy added eight assists, four steals, and three blocks for the Hoyas (6-1). Malik Mack scored 16 points while shooting 6 for 8, including 3 for 4 from beyond the arc. Thomas Sorber had 14 points and finished 6 of 9 from the field. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.Chandigarh: Former Haryana chief minister Bhupinder Singh Hooda on Saturday said that the recent incidents of crime had exposed the condition of law and order in the state as the govt was “sleeping, intoxicated by power”, while criminals were fearlessly committing crimes. He recounted incidents of a man being shot dead in broad daylight in Safidon, miscreants firing on police, loot at a jeweller’s shop in Fatehabad and a liquor shop at gunpoint in Julana, in the last few days. Hooda said the first responsibility of every govt was to protect its citizens. “But ever since the BJP has come to power, it has completely turned its back on its responsibility. This is the reason why the crime graph is continuously increasing in Haryana,” he said. The data released by the govt revealed that between January and August, 4 rapes, 3 murders, 42 vehicle thefts and 25 house thefts took place every day in the state. This govt could not stop crime, even in the election year,” he said. tnn We also published the following articles recently Accused committed crime for refusing to settle rape case: Cops Abdul Sanoof, a 28-year-old man, confessed to police that he killed a woman in a Kozhikode lodge due to her refusal to settle a previous rape case. Sanoof, arrested from Chennai, admitted he strangled the woman after an argument. The woman was found dead on Tuesday morning, and Sanoofs arrest was subsequently recorded and presented in court. Man shot dead in Patiala in broad daylight Navneet Singh, 30, was shot dead near Ghalaudi Gate Cremation Ground in Patiala while collecting his uncle's ashes. Police report two suspects involved, using a 0.312 bore weapon. Navneet was in a property dispute over Bawa Resort with his adoptive uncles. Forensic teams and CCTV footage are being examined to identify the culprits. State govt fully committed to welfare of farmers: Nitish Chief Minister Nitish Kumar launched Agro Bihar 2024 at Gandhi Maidan, reaffirming his governments commitment to agricultural progress. The largest fair in Eastern India features over 125 stalls with modern farming tools. The state offers subsidies and training to farmers, promoting the adoption of new technologies to boost productivity. The event includes equipment banks for small farmers.

Jim Rossman | Tribune News Service Cord cutting used to refer to abandoning pay TV and putting up an antenna to watch free over-the-air TV. Then cord cutting expanded to include streaming services like Netflix and Hulu and individual streaming sources. Related Articles San Jose Sharks debut catchy sequel video to ‘Holiday Sweater’ Gift ideas for people planning their next trip Lights and decor, réveillon meals make Christmastime special in New Orleans Why American travelers are choosing Europe for Christmas Jaw-dropping holiday light displays worth the trip this December Now we also include streaming bundles, like YouTube TV or Hulu Live or DirecTV Stream. These bundled services mimic cable and satellite service, in that they have hundreds of channels. The ease or complexity of the cord cutting experience depends on how you have things set up. Let’s take a look at some gift options for your favorite cord cutter. As far as I know DirecTV is the only streaming bundle service that offers its own hardware. The Gemini Air is a small dongle that plugs into an HDMI port on your TV. It is paired with a remote control to allow for easy navigation. If you were an AT&T U-Verse TV customer, the Gemini Air/DirecTV Stream experience will be very familiar. The Gemini Air is a rarity in that it has number buttons. DirecTV Stream has the option of turning on channel numbers in the guide. I’ve used DirecTV Stream with my Roku TV and with the Gemini Air and the Air makes navigating the huge list of channels much easier. The Gemini Air runs the Google operating system, so you can see and use all your other streaming services like Netflix, Hulu, Amazon Prime, Max and more. You can also load apps and games from the Google Play store. The Gemini Air connects to your home’s Wi-Fi network, and it can stream 4K content to your TV. The remote control has a microphone so you can use your voice to search or interact with Hey Google’s voice assistant. DirecTV Stream customers can get a free Gemini Air from AT&T with their service. Additional units are available for $120. There are lots of smart TV brands. Some run on the Roku operating system, some run Google TV and some use their own brand of smart TV apps. If you’d like to add Google TV to any set, you can get Google’s new TV Streamer (4K) for just $99 from store.google.com. The small device connects to your TV’s HDMI port. It also can connect to your home’s internet via Wi-Fi or wired Ethernet connection. The Google TV interface is not tied to any specific streaming service. You can use any streaming service or app that’s available on the Google Play store. It features a simple remote with voice control and the Google TV Streamer is also a hub and controller for Matter and Thread home devices that work with Google’s home ecosystem. If you use an over-the-air antenna for watching your free local channels, I’m betting you’d like the option to record those channels. TiVo used to be the best/easiest way to record OTA TV, but they’ve discontinued their OTA recorders. A great alternative is from TabloTV, which is a small box that you connect to your TV antenna. The TabloTV does not directly connect to your TV. Instead it connects to your home’s Wi-Fi, and the antenna signal is wirelessly sent to any TV or compatible device in your home. Your TV picks up the signal through a free app, which is compatible with smart TV brands like Samsung, LG, Google TV, Roku, Apple TV, Amazon Fire TV or Android TV. This method is extremely handy if you don’t want to be bothered running an antenna wire from your attic or roof all the way to your TV. It’s also great if you want to use an indoor antenna, but your TV is not situated in a room that faces the broadcast towers. You can place the antenna and TabloTV where you get the best reception. The TabloTV comes in two models – with either two or four tuners. This means you can record or watch two or four shows at a time. TabloTV has onboard storage to record up to 50 hours of shows, but you can plug in any USB hard drive and expand to record thousands of hours of programming. You can also bundle a TabloTV with an OTA antenna if you like, or you can use your own antenna. Two things to know, there are no ongoing subscription costs for guide data, and there is no streaming service integration. You will need another way to add in streaming services like Netflix and Hulu. TabloTV models start at $99.95 for the two tuner model at tablotv.com. The four-tuner model is $139.95, but they may be on sale during the holidays. ©2024 Tribune Content Agency, LLC.The 14-year-old from suburban Indianapolis can sound out words, but her dyslexia makes the process so draining that she often struggles with comprehension. “I just assumed I was stupid,” she recalled of her early grade school years. But assistive technology powered by artificial intelligence has helped her keep up with classmates. Last year, Makenzie was named to the National Junior Honor Society. She credits a customized AI-powered chatbot, a word prediction program and other tools that can read for her. “I would have just probably given up if I didn’t have them,” she said. Artificial intelligence holds the promise of helping countless other students with a range of visual, speech, language and hearing impairments to execute tasks that come easily to others. Schools everywhere have been wrestling with how and where to incorporate AI , but many are fast-tracking applications for students with disabilities. Getting the latest technology into the hands of students with disabilities is a priority for the U.S. Education Department, which has told schools they must consider whether students need tools like text-to-speech and alternative communication devices. New rules from the Department of Justice also will require schools and other government entities to make apps and online content accessible to those with disabilities. There is concern about how to ensure students using it — including those with disabilities — are still learning. Students can use artificial intelligence to summarize jumbled thoughts into an outline, summarize complicated passages, or even translate Shakespeare into common English. And computer-generated voices that can read passages for visually impaired and dyslexic students are becoming less robotic and more natural. “I’m seeing that a lot of students are kind of exploring on their own, almost feeling like they’ve found a cheat code in a video game,” said Alexis Reid, an educational therapist in the Boston area who works with students with learning disabilities. But in her view, it is far from cheating : “We’re meeting students where they are.” Ben Snyder, a 14-year-old freshman from Larchmont, New York, who was recently diagnosed with a learning disability, has been increasingly using AI to help with homework. “Sometimes in math, my teachers will explain a problem to me, but it just makes absolutely no sense,” he said. “So if I plug that problem into AI, it’ll give me multiple different ways of explaining how to do that.” He likes a program called Question AI. Earlier in the day, he asked the program to help him write an outline for a book report — a task he completed in 15 minutes that otherwise would have taken him an hour and a half because of his struggles with writing and organization. But he does think using AI to write the whole report crosses a line. “That’s just cheating,” Ben said. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts Schools have been trying to balance the technology’s benefits against the risk that it will do too much. If a special education plan sets reading growth as a goal, the student needs to improve that skill. AI can’t do it for them, said Mary Lawson, general counsel at the Council of the Great City Schools. But the technology can help level the playing field for students with disabilities, said Paul Sanft, director of a Minnesota-based center where families can try out different assistive technology tools and borrow devices. “There are definitely going to be people who use some of these tools in nefarious ways. That’s always going to happen,” Sanft said. “But I don’t think that’s the biggest concern with people with disabilities, who are just trying to do something that they couldn’t do before.” Another risk is that AI will track students into less rigorous courses of study. And, because it is so good at identifying patterns , AI might be able to figure out a student has a disability. Having that disclosed by AI and not the student or their family could create ethical dilemmas, said Luis Pérez, the disability and digital inclusion lead at the Center for Accessible Technology. Schools are using the technology to help students who struggle academically, even if they do not qualify for special education services. In Iowa, a new law requires students deemed not proficient — about a quarter of them — to get an individualized reading plan. As part of that effort, the state’s education department spent $3 million on an AI-driven personalized tutoring program. When students struggle, a digital avatar intervenes. More AI tools are coming soon. The U.S. National Science Foundation is funding AI research and development. One firm is developing tools to help children with speech and language difficulties. Called the National AI Institute for Exceptional Education, it is headquartered at the University of Buffalo, which did pioneering work on handwriting recognition that helped the U.S. Postal Service save hundreds of millions of dollars by automating processing. “We are able to solve the postal application with very high accuracy. When it comes to children’s handwriting, we fail very badly,” said Venu Govindaraju, the director of the institute. He sees it as an area that needs more work, along with speech-to-text technology, which isn’t as good at understanding children’s voices, particularly if there is a speech impediment. Sorting through the sheer number of programs developed by education technology companies can be a time-consuming challenge for schools. Richard Culatta, CEO of the International Society for Technology in Education, said the nonprofit launched an effort this fall to make it easier for districts to vet what they are buying and ensure it is accessible. Makenzie wishes some of the tools were easier to use. Sometimes a feature will inexplicably be turned off, and she will be without it for a week while the tech team investigates. The challenges can be so cumbersome that some students resist the technology entirely. But Makenzie’s mother, Nadine Gilkison, who works as a technology integration supervisor at Franklin Township Community School Corporation in Indiana, said she sees more promise than downside. In September, her district rolled out chatbots to help special education students in high school. She said teachers, who sometimes struggled to provide students the help they needed, became emotional when they heard about the program. Until now, students were reliant on someone to help them, unable to move ahead on their own. “Now we don’t need to wait anymore,” she said. The Associated Press’ education coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org .

Chemists selling spurious meds may face prosecution

Michigan defensive tackle Kenneth Grant declared for the 2025 NFL Draft on Thursday after three seasons with the Wolverines. The 6-foot-3, 339-pound junior was a third-team All-American and a second-team All-Big Ten selection this season. He had three sacks among his 32 total tackles over 12 games in 2024. As a sophomore, Grant helped the Wolverines claim the national championship with 29 tackles and 3 1/2 sacks in 15 games. "I am very appreciative to Coach (Jim) Harbaugh and coach (Sherrone) Moore and the rest of the University of Michigan staff that I have crossed paths with," Grant posted on social media. "It has been an honor to be developed into a Michigan Man." Other Michigan players who intend to leave the program for the draft include defensive lineman Mason Graham, cornerback Will Johnson and tight end Colston Loveland. --Field Level MediaROME — Pope Francis inaugurated his Holy Year at Rome's main prison on Thursday, bringing a message of hope to inmates and involving them in the Catholic Church's once every quarter-century celebration that is expected to bring about 32 million pilgrims to Rome. Francis stood up from his wheelchair, knocked on the door to the chapel at Rebibbia prison and walked across the threshold, reenacting the gesture he performed at the Holy Door of St. Peter's Basilica two nights earlier on Christmas Eve. The opening of the Holy Door at the basilica officially kicked off the Jubilee year, a church tradition dating to 1300 that nowadays occurs every 25 years and involves the faithful coming to Rome on pilgrimages. "The first Holy Door I opened at Christmas in St. Peter's. I wanted the second one to be here, in a prison," Francis told the Rebibbia inmates before he entered. "I wanted each of us here, inside and out, to have the possibility of throwing open the door of our hearts and understanding that hope doesn't disappoint." Francis dedicated the 2025 Jubilee to hope and made clear that prisoners would be an important part of it: The final grand event of the Jubilee is a special Mass for inmates at St. Peter's on Dec. 14, 2025. Francis has long made prison ministry an important part of his priestly vocation and has made several visits to Rebibbia since becoming pope in 2013 while also including prison visits in many of his foreign trips. His message is always one of hope, believing that people who are serving prison sentences need something to look forward to more than most. That is especially true in Italy, where prison overcrowding and inmate suicides are at record highs, according to the Antigone Association, which tracks prison conditions. According to Antigone's 2024 report, 88 prisoners killed themselves in Italian lockups this year — more than any other year — and Italy's inmate population was 132% over the system's capacity. In a statement Thursday, Antigone called on Italian authorities to hear Francis' appeal to give prisoners hope. It called for structural reforms that put into practice the constitutional principles of "a punishment that is dignified, humane and looks to the social reintegration of those who are in prison." In his homily, Francis suggested the prisoners think of hope as an anchor that is fixed on the ground and that they try to hold tight to the rope that is attached to it, even if it sometimes hurts their hands. "Hold onto the rope of hope, hold onto the anchor," Francis said. "Never let it go." Speaking to reporters outside, Francis recalled that whenever he speaks to prisoners, the first thing he always asks himself is "why them and not me." "Because we all can fall, the important thing is to not lose hope, to hold onto that anchor of hope," he said. Back at the Vatican for his noon blessing, Francis called prison "a cathedral of pain and hope" as he repeated his message. He also doubled down on his 2025 wish for peace in the world and for wealthy countries to reduce or eliminate the debt owed by poorer countries. "One of the things that characterizes Jubilees is the remission of debts," Francis said, calling the debts owed by many poor countries simply "unsustainable." Francis' outing to Rebibbia on a frigid morning was his final big event of the week after he celebrated Christmas Eve Mass on Tuesday evening at St. Peter's Basilica and delivered his Christmas Day blessing from the loggia overlooking the square. The 88-year-old pope, who often suffers from respiratory infections in winter, has a few days to rest before gearing up for the New Year's Eve vigil and Mass the following day. With the St. Peter's Holy Door now open to the public, a steady stream of pilgrims was filing into the basilica, a pace that is expected to continue through next year until the door closes on Jan. 6, 2026. Francis' 2025 involves a dizzying calendar of Jubilee events that will sorely test his stamina, with special Jubilee Masses for all the main groups of pilgrims who are being celebrated during the year: Adolescents, migrants, teachers and law enforcement, among others. So far, he has only one foreign trip under study: A May visit to Turkey to commemorate the 1,700th anniversary of the Council of Nicaea, Christianity's first ecumenical council.Two Venezuelan gang members arrested in NYC for viral 'takeover' of Colorado apartment

Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. 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.Wabash Extends Partnership with Goodyear as Preferred Tire Supplier for TrailersJust because involves some guesswork doesn’t mean it has to be a total mystery. 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 . 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 . 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 from your retirement savings should last you about 30 years. While it’s not an exact science by any means — 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 . —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 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 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 , 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 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 . 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 . “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 , 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 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 . But thanks to , 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 can help you catch up. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

DAYTONA BEACH, Fla. (AP) — Jao Ituka led Jacksonville State over East Carolina on Thursday night with 18 points off of the bench in an 86-78 victory. Ituka shot 5 for 10 (2 for 6 from 3-point range) and 6 of 8 from the free-throw line for the Gamecocks (4-1). Jaron Pierre Jr. added 16 points while shooting 4 of 10 from the field and 7 for 11 from the line while he also had six rebounds and six assists. Michael Houge had 15 points and shot 6 of 11 from the field and 3 of 3 from the free-throw line. RJ Felton led the Pirates (4-1) in scoring, finishing with 20 points, seven rebounds and three blocks. C.J. Walker added 20 points and seven rebounds for East Carolina. Yann Farell also had 12 points. Ituka scored 10 points in the first half and Jacksonville State went into halftime trailing 39-37. Jacksonville State used a 13-2 second-half run to take the lead at 71-66 with 3:52 remaining. Houge scored 12 second-half points. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Gov. Eric Holcomb has bestowed Indiana's highest honor on the leader of an Indianapolis-based charity whose donations have improved Hoosiers' quality of life for nearly 100 years. The Republican chief executive recently presented the 2024 Sachem Award to Clay Robbins, chairman and CEO of Lilly Endowment Inc., during a ceremony attended by Robbins' friends, family and colleagues. Holcomb said Robbins for decades has been a "transformational leader" whose "humble service to our great state truly represents the very best of what it means to be an exemplary Hoosier." "His thoughtful approach to philanthropy and heart for improving the lives of Hoosiers will continue to inspire those who seek to create positive change in their communities, and it is for this reason, and many more, that I am bestowing my eighth and final Sachem to Mr. Robbins," Holcomb said. The Sachem Award is given annually by the governor to recognize an individual whose lifetime of excellence and moral virtue has brought credit and honor to Indiana. Robbins is an Indianapolis native and attorney who joined Lilly Endowment in 1993 and served in a variety of leadership roles at one of the nation’s largest private philanthropic organizations. In recent years, Lilly Endowment has funded programs to support schools, community services, parks, libraries, churches, and quality of place initiatives throughout Indiana and across the country. That includes a a $250 million grant in January to the state of Indiana to improve communities by eliminating blight, promoting redevelopment, and supporting public art and cultural initiatives, as well as a $15 million grant awarded in August to Whiting's Calumet College of St. Joseph to support economic and workforce development programs. The endowment was established in 1937 by descendants of the founder of Indianapolis-based drug maker Eli Lilly and Co. Its assets, primarily Lilly stock, exceeded $62 billion at the end of 2023, records show. Holcomb, whose second and final term as governor ends Jan. 13, previously awarded the Sachem to: 2017: Eva Mozes Kor — Holocaust survivor; forgiveness and civility advocate 2018: Sammy L. Davis — Vietnam veteran, Medal of Honor recipient 2019: Dr. George Rapp — Humanitarian 2020: Reginald O. Jones, Sr. — Businessman, community leader and mentor 2021: James T. Morris — Civic leader, global ambassador and advocate for youth 2022: Patricia Ann Koch — Community leader and originating partner of Holiday World & Splashin’ Safari 2023: Albert Chen — Entrepreneur, innovator and Asian American advocate

Adobe Inc ADBE reported fourth-quarter financial results after the market close on Wednesday. Here’s a look at the key metrics from the quarter . Q4 Earnings: Adobe reported fourth-quarter revenue of $5.61 billion, beating the consensus estimate of $5.54 billion. The company reported fourth-quarter adjusted earnings of $4.81 per share, beating analyst estimates of $4.66 per share. Adobe has now exceeded analyst estimates in eight consecutive quarters, according to earnings data from Benzinga Pro . Total revenue was up 11% year-over-year, digital media revenue was up 12% year-over-year and digital experience revenue was up 10% year-over-year. Remaining performance obligations came in at $19.96 billion, up 16% year-over-year. Cash flows from operations totaled $2.92 billion in the fourth quarter. Adobe noted that it repurchased approximately 4.6 million shares during the period. “Adobe delivered record FY24 revenue, demonstrating strong demand and the mission-critical role Creative Cloud, Document Cloud and Experience Cloud play in fueling the AI economy,” said Shantanu Narayen , chair and CEO of Adobe. “Our highly differentiated technology platforms, rapid pace of innovation, diversified go-to-market and the integration of our clouds position us for a great year ahead.” Related Link: Costco Q1 Earnings Preview: Membership Fee Increase In Focus With Shares At All-Time Highs Guidance: Adobe expects first-quarter revenue to be in the range of $5.63 billion to $5.68 billion versus estimates of $5.73 billion. The company anticipates first-quarter adjusted earnings of $4.95 to $5 per share versus estimates of $4.95 per share. Adobe expects full-year 2025 revenue to be between $23.3 billion and $23.55 billion versus estimates of $23.79 billion. Adobe sees full-year adjusted earnings in the range of $20.20 to $20.50 per share versus estimates of $20.55 per share, according to Benzinga Pro . Adobe shares appear to be facing selling pressure due to the company’s soft guidance. Management will further discuss the quarter on a call with analysts and investors from 5 p.m. to 6 p.m. ET. ADBE Price Action: Adobe shares were down approximately 7.5% year-to-date heading into the print. At the time of publication Wednesday, the stock was down 7.63% at $507.99 in after-hours, according to Benzinga Pro . Read Next: Alphabet’s Quantum Willow Chip Wows Analyst: Google At The ‘Leading Edge Of Technology Innovation’ Photo: Shutterstock. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

Whales with a lot of money to spend have taken a noticeably bullish stance on Intel . Looking at options history for Intel INTC we detected 14 trades. If we consider the specifics of each trade, it is accurate to state that 64% of the investors opened trades with bullish expectations and 35% with bearish. From the overall spotted trades, 2 are puts, for a total amount of $89,850 and 12, calls, for a total amount of $430,148. Predicted Price Range After evaluating the trading volumes and Open Interest, it's evident that the major market movers are focusing on a price band between $3.0 and $55.0 for Intel, spanning the last three months. Analyzing Volume & Open Interest Looking at the volume and open interest is an insightful way to conduct due diligence on a stock. This data can help you track the liquidity and interest for Intel's options for a given strike price. Below, we can observe the evolution of the volume and open interest of calls and puts, respectively, for all of Intel's whale activity within a strike price range from $3.0 to $55.0 in the last 30 days. Intel Call and Put Volume: 30-Day Overview Largest Options Trades Observed: Symbol PUT/CALL Trade Type Sentiment Exp. Date Ask Bid Price Strike Price Total Trade Price Open Interest Volume INTC CALL TRADE BEARISH 01/15/27 $7.2 $7.15 $7.15 $25.00 $71.5K 3.9K 106 INTC PUT TRADE BEARISH 01/17/25 $30.5 $29.9 $30.5 $55.00 $64.0K 107 21 INTC CALL SWEEP BULLISH 03/21/25 $5.7 $5.6 $5.68 $20.00 $56.8K 5.2K 100 INTC CALL TRADE BULLISH 01/15/27 $21.95 $21.6 $21.9 $3.00 $43.8K 678 24 INTC CALL TRADE BEARISH 01/15/27 $22.5 $21.5 $21.79 $3.00 $32.6K 678 44 About Intel Intel is a leading digital chipmaker, focused on the design and manufacturing of microprocessors for the global personal computer and data center markets. Intel pioneered the x86 architecture for microprocessors and was the prime proponent of Moore's law for advances in semiconductor manufacturing. Intel remains the market share leader in central processing units in both the PC and server end markets. Intel has also been expanding into new adjacencies, such as communications infrastructure, automotive, and the Internet of Things. Further, Intel expects to leverage its chip manufacturing capabilities into an outsourced foundry model where it constructs chips for others. Following our analysis of the options activities associated with Intel, we pivot to a closer look at the company's own performance. Current Position of Intel With a volume of 19,803,350, the price of INTC is up 0.35% at $24.52. RSI indicators hint that the underlying stock may be approaching overbought. Next earnings are expected to be released in 62 days. Turn $1000 into $1270 in just 20 days? 20-year pro options trader reveals his one-line chart technique that shows when to buy and sell. Copy his trades, which have had averaged a 27% profit every 20 days. Click here for access . Trading options involves greater risks but also offers the potential for higher profits. Savvy traders mitigate these risks through ongoing education, strategic trade adjustments, utilizing various indicators, and staying attuned to market dynamics. Keep up with the latest options trades for Intel with Benzinga Pro for real-time alerts. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.Today's military forces have some of the most sophisticated hardware and crafts the world has seen. From military aircraft with four engines , to mind-boggling high-tech weapons that border on science fiction , the list of weapons and vehicles is seemingly endless. But with all its variety, the military has a few constant features. Among these is the practice of painting its aircraft and ships grey. The military has been painting its ships and aircraft grey for decades to help them blend with their environments, camouflaging them against enemy forces. The monotone color achieved this by allowing the military aircraft and vessels to blend in with several lighting conditions, making it the perfect color for obscuring vehicles. However, while this reason might be apparent to many, the history behind its use, which properties go into the paint today, and the various camouflage schemes the military used might not be. The history of military aircraft and ship camouflage shows how it has evolved with today's technology. Most military forces worldwide use a shade of grey in their equipment, whether uniforms or vehicles. The use of the color dates back to the turn of the 19th century, when countries like Austria determined that grey was a better camouflage color for their troops than the often-used green. The color was also cheaper to source, which, combined with its camouflage qualities, made it popular with troops such as the Confederate Forces in the 1860s, and the German Army between 1907 and 1945. By World War I, France and Germany had adopted grey as one of the primary colors of their aircraft. By World War II, Britain was opting for open grey and sea grey as replacements for its two-tone schemes, which had become dangerously visible at higher altitudes. By 1943, high-level aircraft like Spitfires and Welkins used shades of grey as their primary color scheme. As the century progressed, more aircraft adopted grey schemes. These included the F-14, counted among some of the best-looking fighter jets in military history , the MiG-17, the F-16, and the RAF Tornado ADV. Most modern military aircraft use shades of grey radar-absorbent paint with tiny iron spheres coated with either carbonyl iron or ferrite. Suppose the plane happens to be hit by electromagnetic radiation — which is common in most radar systems — the iron spheres absorb the radiation, releasing heat that dampens the waves, stopping most of them from reflecting back to the radar detectors. Like with aircraft, naval ships have featured the color grey for decades. The U.S. Navy was already considering camouflaging its vessels against enemy forces as early as 1899, with artist Robert DeForest Brush being a key player in the project. However, due to a scarcity of test facilities, the suggestions made by Brush didn't see any immediate implementation until 1914. The U.S. declared war in April 1917. With this declaration came a convergence of other well-known artists, each focused on providing input on the best naval camouflage. A research center in Rochester, New York, was established, breathing life to camouflage systems like the Herzog scheme — which used broad color bands in circular forms and arcs — and the Toch system, which focused on massive diagonal streaks of contrasting colors. Later systems, like the British-inspired dazzle system — which used irregular patterns meant to break up vertical and horizontal lines — were adopted by the U.S. Navy. One of the most prominent colors used in this system was blue-grey, which was sometimes mixed with shades of grey-white, grey-pink, and grey-green to produce more niche colors. The primary role of the dazzle paint scheme was to disrupt the ship's outline. Although the scheme made determining a ship's size, range, and speed difficult, advancements in rangefinder and radar technology made them impractical, necessitating a different approach. Grey had already proven to have low visibility, which made it the perfect color to switch to. It blended well with the horizon and most ocean and sea weather conditions. Ships received more than one shade of the color, with the Navy using darker tones near the waterline and lighter tones in the masts. With the war's conclusion, the Navy adopted a lighter shade of grey, similar to what exists today: haze grey.None

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NoneU.K. stocks finished up Friday, with the FTSE 100 Index .css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link{-webkit-text-decoration:none;text-decoration:none;color:rgba(54,119,168,1);border-bottom:1px solid;border-bottom-color:rgba(54,119,168,1);}.css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link.css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link svg{fill:rgba(54,119,168,1);}.css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link:hover{-webkit-text-decoration:none;text-decoration:none;color:rgba(47,112,157,1);border-bottom:1px solid;border-bottom-color:rgba(47,112,157,1);}.css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link:hover.css-321ztr-OverridedLink.css-321ztr-OverridedLink:any-link:hover svg{fill:rgba(47,112,157,1);} .css-1vykwuz-OverridedLink{display:inline;color:var(--color-interactiveLink010);-webkit-text-decoration:underline;text-decoration:underline;}@media screen and (prefers-reduced-motion: no-preference){.css-1vykwuz-OverridedLink{transition-property:color,fill;transition-duration:200ms,200ms;transition-timing-function:cubic-bezier(0, 0, .5, 1),cubic-bezier(0, 0, .5, 1);}}@media screen and (prefers-reduced-motion: reduce){.css-1vykwuz-OverridedLink{transition-property:color,fill;transition-duration:0ms;transition-timing-function:cubic-bezier(0, 0, .5, 1),cubic-bezier(0, 0, .5, 1);}}.css-1vykwuz-OverridedLink svg{fill:var(--color-interactiveLink010);}.css-1vykwuz-OverridedLink:hover:not(:disabled){color:var(--color-interactiveLink020);-webkit-text-decoration:underline;text-decoration:underline;}.css-1vykwuz-OverridedLink:hover:not(:disabled) svg{fill:var(--color-interactiveLink020);}.css-1vykwuz-OverridedLink:active:not(:disabled){color:var(--color-interactiveLink030);-webkit-text-decoration:underline;text-decoration:underline;}.css-1vykwuz-OverridedLink:active:not(:disabled) svg{fill:var(--color-interactiveLink030);}.css-1vykwuz-OverridedLink:visited:not(:disabled){color:var(--color-interactiveVisited010);-webkit-text-decoration:underline;text-decoration:underline;}.css-1vykwuz-OverridedLink:visited:not(:disabled) svg{fill:var(--color-interactiveVisited010);}.css-1vykwuz-OverridedLink:visited:hover:not(:disabled){color:var(--color-interactiveVisited010);-webkit-text-decoration:underline;text-decoration:underline;}.css-1vykwuz-OverridedLink:visited:hover:not(:disabled) svg{fill:var(--color-interactiveVisited010);}.css-1vykwuz-OverridedLink:focus-visible:not(:disabled){outline-color:var(--outlineColorDefault);outline-style:var(--outlineStyleDefault);outline-width:var(--outlineWidthDefault);outline-offset:var(--outlineOffsetDefault);}@media not all and (min-resolution: 0.001dpcm){@supports (-webkit-appearance: none) and (stroke-color: transparent){.css-1vykwuz-OverridedLink:focus-visible:not(:disabled){outline-style:var(--safariOutlineStyleDefault);}}}.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link{-webkit-text-decoration:none;text-decoration:none;color:rgba(54,119,168,1);border-bottom:1px solid;border-bottom-color:rgba(54,119,168,1);}.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link svg{fill:rgba(54,119,168,1);}.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link:hover{-webkit-text-decoration:none;text-decoration:none;color:rgba(47,112,157,1);border-bottom:1px solid;border-bottom-color:rgba(47,112,157,1);}.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link:hover.css-1vykwuz-OverridedLink.css-1vykwuz-OverridedLink:any-link:hover svg{fill:rgba(47,112,157,1);} FTSE 100 Index increasing 1.38% at 8,262.08. Of the FTSE 100 constituents, wholesalers company Diploma PLC Diploma PLC saw the largest increase Friday, as shares rallied 5.78%.