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Georgia QB Carson Beck knocked out by hand injury in SEC championship game against TexasJust 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. 5 ways to tell if you’re on track for retirement 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. 1. Use the Rule of 25 to get a ballpark number 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. 2. Compare your savings to Fidelity guidelines 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. 3. Use an online retirement calculator 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. 4. Map out your retirement budget 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. 5. Talk to a financial adviser 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. 5 ways to catch up on retirement savings 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 . 1. Scale back your spending now and in retirement 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.” 2. Delay retirement by a year or two 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. 3. Save more 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. 4. Invest more aggressively 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. 5. Take advantage of new retirement account catch-up contributions 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. Bottom line 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. (Visit Bankrate online at bankrate.com .) ©2024 Bankrate.com . Distributed by Tribune Content Agency, LLC.WASHINGTON — Russell Vought is well-known on Capitol Hill and thus far at least looks like a shoo-in to be confirmed as President-elect Donald Trump’s budget director, as he was during Trump’s first term on a party-line vote in 2020. The hard-charging Vought is a revered figure on the right with his pledges to upend the “deep state” and dismantle “woke and weaponized government,” including by refusing to spend all the money Congress appropriates. He’ll need to be vetted again in the new year, where Democrats on the Senate Budget and Homeland Security and Governmental Affairs panels will be poring over Vought’s writings and speeches since leaving the Trump administration to found a new pro-Trump think tank, the Center for Renewing America. Vought is also one of many contributors to the Heritage Foundation-led Project 2025, which Trump disavowed during his presidential campaign and is a major lightning rod on the left. Since Trump’s Nov. 22 announcement that Vought was his choice to once again lead his Office of Management and Budget, a parade of conservative GOP senators have come out in support, such as Mike Lee of Utah, Rick Scott of Florida, Ron Johnson of Wisconsin, Marsha Blackburn of Tennessee and Tommy Tuberville of Alabama. Incoming Senate Appropriations Chairwoman Susan Collins, R-Maine, is not among those openly praising Vought. “I would not have anticipated that choice, because wasn’t he associated with the Heritage study that the president very much stepped away from? So, seems unusual to choose him,” Collins told reporters last month. But Collins didn’t rule out supporting him either as she has twice before — in 2020 as well as in 2018, when he was confirmed as deputy OMB director on a tie-breaker vote by then-Vice President Mike Pence. “I give deference to all presidents as they try to build their Cabinets,” Collins said. “But there are certain standards, and that’s why the advice and consent role of the Senate is so important.” Collins’ Democratic counterpart on Appropriations, Sen. Patty Murray of Washington, has made her opposition to Vought clear. She called him a “far-right ideologue” seeking to unlawfully expand executive spending powers, fire “tens of thousands” of federal workers and “gut programs that help working families” in a statement after Trump announced his selection. ‘Grinding halt’ If confirmed, Vought would play a key role in next year’s budget reconciliation and appropriations debates, as well as in a new set of negotiations to lift the debt limit. Senators are sure to scrutinize Vought’s past commentary, including his no-compromise approach to spending deals. He’s called for shutting down the government rather than accepting a bipartisan stopgap funding bill the last two years, for instance. “The Biden regulatory agenda comes to a grinding halt with a government shutdown,” he posted on X in September 2023. Vought called the 2023 debt ceiling and spending caps deal “terrible,” and backed Rep. Jim Jordan, R-Ohio, for speaker later that year. “The American people deserve a Speaker that represents them and not the DC Cartel,” Vought wrote. After Speaker Mike Johnson, R-La., was elected and cut a deal to continue spending levels negotiated by Biden and former Speaker Kevin McCarthy, R-Calif., Vought bashed “Mike Johnson’s spending deal” that Democrats were “celebrating.” Here’s a look at what Vought has proposed, including as part of Project 2025 and in a budget blueprint he and his think tank drafted in 2022 that could become a template for Trump’s new budget due early next year. Project 2025 President Joe Biden put apportionments back into the hands of the career officials after Trump OMB officials signed off on the Ukraine aid holds that became the basis for Trump’s first impeachment, in 2019. Vought and his team always held that the moves were lawful uses of apportionment authority, and further, they want to push the envelope of what constitutes an illegal “impoundment” of federal funds under a 1974 law. Trump has suggested that could involve vast clawbacks of previously-signed spending laws. The first Trump administration implemented the policy on its own, where Vought is said to have used it to discourage pricey rulemakings by the Department of Health and Human Services, for instance. Republicans criticize the Biden administration for expanding food-stamp benefits and student debt relief via regulatory actions and believe a tighter “administrative pay-as-you-go” policy would keep regulatory spending in check. And his agency will work hand in hand with the new, informal “Department of Government Efficiency” advisory group, with a stated goal of reducing the federal employee headcount through return-to-office mandates, building relocations and more. “There certainly is going to be mass layoffs and firings, particularly at some of the agencies that we don’t even think should exist,” Vought said in an interview last month with Tucker Carlson. ‘Fiscal brokenness’ Lost amid the focus on Trump’s other prospective nominees and Project 2025 is the detailed budget blueprint Vought and his team at the Center for Renewing America released in December 2022. It’s a clear rejection of traditional GOP orthodoxy calling for higher defense budgets and overhauling Social Security and Medicare, though it’s more aligned on tax policy. But virtually every other entitlement and discretionary program would be on the cutting board, with a stated goal to “consciously and indelibly link the efforts of getting our nation’s finances in order with removing the scourge of woke and weaponized bureaucracy aimed at the American people,” Vought wrote. The budget compares its proposed fiscal 2023 spending agency by agency to enacted spending in fiscal 2021, so its numbers are not up to date. Nevertheless, the scale of reductions gives a sense of the magnitude of changes Vought contemplates. Here are some highlights of Vought’s budget plan, which he wrote in a preface would cure “America’s fiscal brokenness” by cutting trillions of dollars from federal spending. Vought makes no secret of his views on this budget category. “When families decide to get on a budget, they do not target the largest and immovable items of their spending, like their mortgage, first. They aim to restrain discretionary spending — they eat out less, shop less, and find cheaper ways of entertaining themselves,” Vought writes. “Politically, a similar approach is the only way the American people will ever accept major changes to mandatory spending.” The blueprint doesn’t outline all of the cuts over a decade, but in the first year of implementation, nearly every domestic agency would see double-digit appropriations cuts: a 54% reduction at the National Science Foundation, 45% to the State Department and foreign assistance, 43% at the Department of Housing and Urban Development; 40% to the Labor Department and more. Cuts would be more muted at NASA and the Justice Department, while the only nondefense agencies receiving discretionary increases are Homeland Security, Veterans Affairs and Transportation. He would downsize the “bloated overhead of the Pentagon, the general officer corps, the civilian workforce, and the Office of the Secretary of Defense,” and shift responsibility for Ukraine’s defense to a European-led effort. And it would slash about $1 trillion, or 7%, from Medicare payments to providers, which could cause them to limit access and pare back services, as well as through pharmaceutical price restraints opposed by many in Trump’s own party. A small piece of the cost savings would come from charging new user fees to cover the cost of USDA meat, poultry and egg inspections. The plan would keep in place the current $10,000 cap on state and local tax deductions, unlike Vought’s boss who has called for some level of unwinding for the “SALT” cap. And it says nothing of Trump’s new campaign trail innovations like eliminating taxes on tips and overtime pay. The budget also assumes the tax cuts would pay for themselves through economic growth — an assumption that isn’t shared by nonpartisan budget scorekeepers and most mainstream economists.
WE all want to try the viral drinks we see on social media, but it can be a bit of an effort to go to the shops and pick up all the ingredients. Luckily, Scots can get the best viral drinks dropped off right at their door thanks to a new delivery service. 10 Zoom Drinks Delivery brings all the viral drinks we see on TikTok straight to you Credit: PAIGE BERESFORD 10 I tried four of the viral drink boxes - including the Tequila Spritz cocktail Credit: PAIGE BERESFORD 10 The boxes were brilliant and I felt like a top-class bartender Credit: PAIGE BERESFORD Zoom Drinks Delivery is now bringing all the weird and wonderful viral concoctions we see on TikTok straight to you so that you don't have the hassle of having to locate it all yourself. It is the first company in the UK to open a trending drinks aisle that lets customers purchase everything they need to make this month’s hottest drink at the click of a button. And I was lucky enough to have been offered the chance to try out the new service in the run-up to the festive period. Zoom has now set up shop in Glasgow and Paisley and users can choose from a range of 800 alcoholic and non-alcoholic products to have delivered. READ MORE FABULOUS PRIMANIA Shoppers go wild for Primark's brand new stocking fillers at as little as £1 TRI THIS? I’ve lived in a tricycle for two years after giving up my apartment But I tried four drinks that are dominating TikTok just now - the Tequila Spritz, Blueberry Matcha, Jalapeño Rosé and Fluffy Coke. The service is perfect for Christmas parties and nights in the house , and for that reason, I invited my family over to try all the drinks with me. All of the drinks came beautifully wrapped in large white boxes with the firm's branding on the front, and as soon as I saw them I couldn't wait to dive in. The first one I had a go at making was the Tequila Spritz, and the box had all the ingredients I needed to make it, including tequila, lemon juice, sugar syrup and sparkling rose wine . Most read in Fabulous FOOD FOR THOUGHT People are only just realising they’ve been making beans on toast wrong MYSTIC MEG Single? You can make not just the first move, but all of them – and feel great BOY BYE My date's secret came out after I shunned his cash-for-sex offer, now I'm boysober SPARKLE SEASON Fashion fans are gushing over the new Primark partywear range I felt like a professional cocktail maker - it came with fool-proof instructions that made the whole process super easy and all the drinks were of the highest quality. By the time I had finished, the cocktail looked as though it was made in a professional bar and tasted just as good. I tried Ryanair's new £8 cocktails It was a huge hit with the family, with my dad and cousin Sarahjane also becoming a huge fan of the drink. Next on the agenda was the Fluffy Coke - this involves coating the inside of a glass with marshmallow fluff before pouring a can of Coke into it. The drink has racked up over 4.1 million views on TikTok, with thousands of people looking to replicate the delicious sweet treat. 10 I also tried making the viral Blueberry Matcha Credit: PAIGE BERESFORD 10 The Fluffy Coke was a huge hit with my brother-in-law Darrel Credit: PAIGE BERESFORD 10 All the ingredients were beautifully packaged in the boxes Credit: PAIGE BERESFORD 10 The drinks looked incredible after following the instructions Credit: PAIGE BERESFORD This was actually great fun to put together - and would be great for families with kids looking for an entertaining activity to do together. It was a huge hit with those of us who have a sweet tooth and my brother-in-law Darrel definitely enjoyed it. In the third box was everything we needed to make a Blueberry Matcha, which is arguably one of the most viral drinks on social media at the moment. It has soared in popularity this year and is well-loved because it combines the sweet flavours of blueberries with the health benefits and the energy boost of matcha. Inside the box were all the ingredients I needed to make it - matcha powder and blueberry syrup, and then all we had to add was some milk and boiling water . This one was a little bit fidgety to pull together but the results were well worth the effort. And my gran, aunt and Sarahjane loved the finished product, which looked as though it was professionally made. The final box had rose wine and jalapenos to create the viral Jalapeño Rosé drink. 'WE'RE HUGELY EXCITIED' ZOOM Drinks Delivery currently offers over 800 different drinks products to Glasgow and Paisley postcodes. The trending aisle features a host of viral recipes that have blown up on social media in recent months. Every ingredient will be available as part of a bundle on the app or website, and hand-delivered by Zoom’s fleet of vans. As well as a huge selection of alcoholic and non-alcoholic drinks, the delivery service is also one of the first places in Scotland to serve up the in-demand Dr. Dre and Snoop Dogg’s cans of Gin and Juice. Lee Grant, managing director at Zoom Drinks Delivery said: “We’re hugely excited to be back in Scotland and what better way to launch than offering easy to make bundles of some of the most popular drinks in the world. “From fusion cocktails, unusual combinations or wacky recipes, drinks go viral on social media every week as people share their latest concoctions which everyone is curious to try. "Staying on trend is hard, particularly when the ingredients are hard to find, so we've put together these helpful packs to make it even easier. “Sitting alongside a huge choice of wine, beer, soft drinks and spirits, Zoom has one of the biggest selections of drinks in Scotland and we’re continually looking for the next hottest trend.” The delivery service, which recently moved to Scotland after growing a huge customer base in Cyprus, where it regularly sells IRN-BRU to residents of the island, doesn’t add a service fee or delivery charge to orders and uses its own fleet of distinctive orange vans to cover Glasgow and Paisley. The company is also throwing in a few surprises for drinkers, adding a mixologist to a select few orders, who can help anyone master the art of creating TikTok cocktails from the comfort of their home. For more information visit www.zoomdrinksdelivery.com or download the app from the Apple store or Google Play. Not everyone was keen on the spicy rose wine, but the wine itself was lovely without the chilli pepper added. All of the drinks were incredible and I was surprised at how high a quality all of the ingredients were. The service was super quick and all of the drinks were beautifully presented - and the fact that it was delivered to the door makes it perfect for gatherings, parties, or celebrations in the house. Read more on the Scottish Sun THE FAB THREE I'm A Celeb's finalists REVEALED as last star evicted ahead of closing show AISLE BE THERE Lidl's cheeky Coca-Cola Christmas truck tour adds two more Scots spots Whether it's a party in the house, a home hen night or you just want to show off your incredible cocktail-making skills, Zoom has everything you need to create a fun night. And with Christmas fast approaching, this service could have you sorted for any night leading up to the big day - or even the big day itself. 10 The Fluffy Coke was a huge hit Credit: PAIGE BERESFORD 10 My cousin Sarahjane and my gran loved the Blueberry Matcha Credit: PAIGE BERESFORD 10 My aunt also loved the healthy drink Credit: PAIGE BERESFORDDon Lemon sour over Trump as Time’s Person of the Year: ‘What are you doing?’
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AP Business SummaryBrief at 4:16 p.m. ESTNEW YORK, Dec. 17, 2024 (GLOBE NEWSWIRE) -- Magnite (Nasdaq: MGNI), the largest independent sell-side advertising company, today announced that members of its executive team will host in-person investor meetings at the Needham 27th Annual Growth Conference in New York City on Wednesday, January 15. Company management will participate in a fireside chat at 11:00 a.m ET. A live webcast of the fireside chat will be available in the "Events & Presentations” section of Magnite's investor relations website at: https://investor.magnite.com . The webcast replay will be available following the conclusion of the live presentation for 90 days. About Magnite We're Magnite (NASDAQ: MGNI), the world's largest independent sell-side advertising company. Publishers use our technology to monetize their content across all screens and formats including CTV, online video, display, and audio. The world's leading agencies and brands trust our platform to access brand-safe, high-quality ad inventory and execute billions of advertising transactions each month. Anchored in bustling New York City, sunny Los Angeles, mile high Denver, historic London, colorful Singapore and down under in Sydney, Magnite has offices across North America, EMEA, LATAM, and APAC. Investor Relations Contact Nick Kormeluk, 949-500-0003 [email protected]
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Tories accuse Labour of waging 'war on rural England' after Angela Rayner announced plans to expand 'London sprawl' across the UK green belt
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