USU volleyball: Trio of Aggies make All-MW teamJaipur: The BJP-led state govt came under attack from the Congress after it announced on Saturday to abolish nine districts and three divisional headquarters established last year. Former chief minister Ashok Gehlot strongly criticised the move on social media platform X, emphasising that the creation of these districts was a well-considered decision aimed at improving governance in India's largest state. He pointed out that Gujarat, despite having a smaller population than Rajasthan, maintains 33 districts and smaller administrative units facilitate faster grievance redressal. Gehlot termed the govt's decision as "politically motivated" and "anti-people", saying the decision will hinder state's development and administrative efficiency. The new districts were established following recommendations from a committee headed by former IAS officer Ram Lubhaya during Gehlot's previous administration (2018-2023). Congress state president Govind Singh Dotasra announced to launch a statewide protest movement next month, demanding the restoration of these nine districts. During a press conference at the party HQs here, Dotasra accused BJP of prioritising political interests over public welfare and claimed the decision was solely motivated by the fact that these districts were created under Congress rule. Opposition Leader Tikaram Jully characterised the decision as retaliatory politics, suggesting that instead of complete abolition, the BJP govt could have made boundary adjustments if necessary. Jully promised that upon returning to power in 2028, Congress would not only restore these districts but also consider creating additional ones. Former minister Pratap Singh Khachariyawas condemned the decision as detrimental to public interests, accusing the BJP govt of systematically dismantling public welfare schemes and administrative units established by the previous Congress govt. Former Rajasthan state seeds corporation chairman Dharmendra Rathore highlighted the practical implications of this decision. He noted that the creation of these administrative units was necessary given Rajasthan's vast geographical area and their establishment was aimed at improving public access to local services. Rathore pointed out the inconsistency in BJP's stance, citing its previous support for smaller administrative units during Vasundhara Raje's tenure as CM when Pratapgarh district was created. The opposition argued that the abolition of these districts would create significant inconvenience for residents who must now travel longer distances to reach administrative headquarters. Stay updated with the latest news on Times of India . Don't miss yearly career horoscopes 2025 for Aries , Taurus , Gemini , Cancer , Leo , Virgo , Libra , Scorpio , Sagittarius , Capricorn , Aquarius , and Pisces .
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Giants rookie WR Malik Nabers speaks out after his epic postgame rantWindy wonderland: Gusty conditions expected at Mammoth Mountain this weekendJust 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.
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SAN FRANCISCO--(BUSINESS WIRE)--Nov 25, 2024-- Tonal , the world’s smartest strength training system, is making fitness more accessible by partnering with Truemed , an innovative platform that enables Health Savings Account (HSA) and Flexible Spending Account (FSA) funds to be used for health-related purchases. This collaboration enables U.S. customers to invest in the Tonal system for their home, unlocking up to 30% savings and putting proactive wellness within easier reach. This partnership highlights Tonal’s commitment to empowering individuals to integrate fitness into their lives as a key strategy for improving both physical and mental health. By leveraging Truemed’s platform, customers can seamlessly navigate the process of using their HSA/FSA benefits to prioritize their well-being, whether managing chronic health conditions or investing in preventative care. "Strength training isn’t just about building muscle—it’s about building a stronger, healthier life," said Darren MacDonald, CEO at Tonal. "Our partnership with Trumed removes barriers to accessing fitness tools, empowering people to invest in their health in a tax-efficient way and truly make strength training part of their wellness journey." The benefits of strength training are clear: A recent study from the University of Limerick and Penn State College of Medicine highlights the transformative benefits of resistance training, showing that eight weeks of consistent lifting reduced depressive symptoms as effectively as psychotherapy or medication. Tonal’s strength training system brings these benefits home with personalized, AI-driven workouts that help users build physical resilience, manage stress, reset their mood, and develop mental fortitude. How It Works The process to use HSA/FSA funds for a Tonal purchase is simple: Place an order for your Tonal using your preferred payment method (Financing or Credit Card) Go to Truemed’s website and take a quick 2-minute assessment to determine your reimbursement eligibility Once approved, apply for a reimbursement with your HSA/FSA administrator After submission, a licensed medical provider reviews the responses. If eligible, the customer receives a Letter of Medical Necessity (LMN), allowing them to use HSA/FSA funds for their purchase. Black Friday/Cyber Monday Savings In addition to HSA/FSA eligibility, Tonal is offering a $1,000 discount through December 3. This exclusive promotion can be combined with pre-tax savings, making this the ideal time to invest in health and wellness. For more details on how to leverage Truemed HSA/FSA benefits for a T800 purchase, visit truemed.com/shop/fitness/tonal . About Tonal Tonal is the smartest, most effective strength training system in the world. Founded by Aly Orady in 2015 and headquartered in San Francisco, Tonal combines revolutionary digital weight technology with personalized, AI-powered coaching. It offers thousands of coach-led, on-demand, and live workouts across various fitness categories, including strength training, cardio, yoga, HIIT, and mobility. Tonal’s innovative system adapts to each user's fitness level, enabling them to build strength faster and push past plateaus to achieve optimal results efficiently. By delivering a comprehensive, at-home strength training experience, Tonal is redefining how people approach fitness. For more information, visit tonal.com and follow Tonal on Instagram , TikTok , Facebook , and YouTube . About Truemed Truemed enables HSA/FSA spending on health and wellness items that help treat or prevent chronic disease, from fitness systems to sleep aids. By unlocking a $140 billion fund for pre-tax health investments, Truemed is driving a shift toward proactive healthcare solutions. View source version on businesswire.com : https://www.businesswire.com/news/home/20241125845637/en/ CONTACT: Jack Taylor PR tonal@jacktaylorpr.com KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: TECHNOLOGY PROFESSIONAL SERVICES HEALTH MENTAL HEALTH HEALTH TECHNOLOGY HEALTH INSURANCE SOFTWARE FITNESS & NUTRITION INSURANCE HUMAN RESOURCES TELEMEDICINE/VIRTUAL MEDICINE SOURCE: Tonal Copyright Business Wire 2024. PUB: 11/25/2024 02:43 PM/DISC: 11/25/2024 02:42 PM http://www.businesswire.com/news/home/20241125845637/enLANDOVER, Md. (AP) — Allowing two kickoff return touchdowns and missing an extra point all in the final few minutes added up to the a third consecutive game in excruciating fashion. The underlying reason for this slide continuing was a problem long before that. An offense led by that was among the NFL's best for a long stretch of the season put up just nine points and 169 yards for the first three-plus quarters against Dallas before falling behind 20-9 and teeing off on the Cowboys' conservative defense. “We just couldn’t really get it going,” said , whose lengthy touchdown with 21 seconds left masked that he had just three catches for 16 yards through three quarters. “We’ve got to find a way to start faster and sustain drives, and that’s everybody: the whole coaching staff and the offensive players just going out there and figuring out ways that we can stay on the field.” This is not a new problem for Washington, which had a season-low 242 yards in a and 264 yards four days later at Philadelphia. Since returning from a rib injury that last month, Daniels has completed just under 61% of his passes, after 75.6% over his first seven professional starts. Daniels and have insisted this isn't about injury. The coaching staff blamed a lack of adequate practice time, but a full week of it before facing the Cowboys did not solve the problem. It is now fair to wonder if opponents have seen enough film of to figure it out. “I think teams and coordinators are going to see what other teams have success against us and try to figure out how they could incorporate that into their scheme," Daniels said after going 12 of 22 for 80 yards passing through three quarters in the Dallas game. "We’ve been in third and longer a lot these past couple games, so that’s kind of where you get into the exotic pressures and stuff like that. We’ve just got to be better on first and second downs and stay ahead of the chains.” Daniels has a point there, and it predates this losing streak. The Commanders have converted just 36% of third-down opportunities (27 for 75) over their past seven games after 52% (31 for 60) in their first five. That challenge doesn't get any easier with Tennessee coming to town Sunday. The Titans, despite being 3-8, have the second-best third-down defense in the league at 31.6%. What’s working The defense kept the Commanders in the game against Dallas, allowing just 10 points until the fourth quarter and 20 total before kickoff return touchdowns piled on to the other side of the scoreboard. Even Cooper Rush's 22-yard touchdown pass to Luke Schoonmaker with five minutes left came after a turnover that gave the Cowboys the ball at the Washington 44. The defense spending more than 35 minutes on the field certainly contributed to fatigue as play wore on. What needs help The running game that contributed to a 7-2 start has taken a hit, in part because of The Commanders got 145 yards on the ground because Daniels had 74 on seven carries, but running backs combined for just 57. Daniels could not say how much the rushing attack stalling has contributed to the offense going stagnant. “You’ve got to be able to run the ball, keep the defense honest,” he said. "We got to execute the plays that are called in, and we didn’t do a good job of doing that.” Stock up Linebacker Frankie Luvu keeps making the case to be Adam Peters' best free agent signing. He and fellow offseason addition tied for a team-high eight tackles, and Luvu also knocked down three passes against Dallas. Stock down Kicker Austin Seibert going wide left on the point-after attempt that would have tied the score with 21 seconds left was his third miss of the game. He also was short on a 51-yard field goal attempt and wide left on an earlier extra point. Seibert, signed a week into the season after Cade York struggled in the opener, and was 22 of 22 on extra points before injuring his right hip and missing the previous two games. He brushed off his health and the low snap from Tyler Ott while taking responsibility for not connecting. “I made the decision to play, and here we are,” Seibert said. “I just wasn’t striking it well. But it means a lot to me to be here with these guys, so I just want to put my best foot moving forward.” Injuries Robinson's sprained ankle and fellow running back from a late kickoff return that led to him being hospitalized for further evaluation are two major immediate concerns. Quinn said Monday that Ekeler and starting right tackle Andrew Wylie are in concussion protocol. It's unclear if Robinson will be available against Tennessee, which could mean Chris Rodriguez Jr. getting elevated from the practice squad to split carries with Jeremy McNichols. The Commanders still have not gotten cornerback Marshon Lattimore into a game since from New Orleans. from a hamstring injury, and the secondary could use him against Calvin Ridley, who's coming off at Houston. Key number 17 — Handoffs to a running back against Dallas, a significant decrease from much of the season before this losing streak. Next steps Don't overlook the Titans with the late bye week coming immediately afterward. The Commanders opened as more than a touchdown favorite, but after the results over the weekend, BetMGM Sportsbook had it as 5 1/2 points Monday. ___ AP NFL: Stephen Whyno, The Associated Press
DAYTONA BEACH, Fla. (AP) — Ndewedo Newbury scored 21 points as San Francisco beat Fordham 85-64 on Tuesday. Newbury shot 7 of 12 from the field, including 3 for 4 from 3-point range, and went 4 for 5 from the line for the Dons (5-2). Marcus Williams scored 19 points while going 8 of 12 (3 for 6 from 3-point range) and added five assists. Junjie Wang shot 3 of 4 from the field, including 2 for 3 from 3-point range, and went 3 for 4 from the line to finish with 11 points. Jackie Johnson III finished with 17 points for the Rams (3-5). Fordham also got 11 points and two steals from Jahmere Tripp. Josh Rivera finished with 10 points. San Francisco led 45-29 at halftime, with Newbury racking up 12 points. San Francisco extended its lead to 60-36 during the second half, fueled by a 12-1 scoring run. Williams scored a team-high 12 points in the second half. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .