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58 jili casino Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | The year in money: inflation eased, optimism ticked upward Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | How to protect your communications through encryption Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. You might have a general idea of how much money you need to save for retirement . A few quick calculations can give you an estimate, but to truly appreciate where you stand, you’ll need to dive into the numbers. Here’s how to get started. A good rule of thumb to estimate your retirement savings goal is the Rule of 25 . Simply multiply your desired annual retirement income by 25. The result is roughly how much you’ll need to save before hitting retirement. For example, if you plan to spend $50,000 a year, you’ll need about $1.25 million to make it a reality. The Rule of 25 is based on the idea that withdrawing 4% annually from your retirement savings should last you about 30 years. While it’s not an exact science by any means — health care costs and lifestyle changes can skew the numbers, for example — the Rule of 25 can be a good starting point to figure out how much you need to save. Fidelity Investments, a behemoth in the retirement planning space, offers savings guidelines to help you determine if you’re on track . —By age 30: Save 1x your annual salary —By age 40: Save 3x your annual salary —By age 50: Save 6x your annual salary —By age 60: Save 8x your annual salary —By age 67: Save 10x your annual salary For example, if you earn $60,000 annually, you should aim for $600,000 in savings by age 67. But like the Rule of 25, Fidelity’s guidelines offer a 10,000-foot look at retirement goals, and they’re not customized to your situation. Maybe you earned a low salary in your 20s, but you’re working hard in your 30s to make up for it. Use these estimates as a benchmark — but don’t get discouraged if you’re lagging behind. Now it’s time to zoom in a little. To get a clearer snapshot of your progress, use an online retirement calculator. These tools factor in your age, current savings, income and lifestyle goals to estimate whether you’re on track. You’ll get a more refined estimate without crunching the numbers yourself. Bankrate’s retirement calculator even lets you input different rates of return on your investments and accounts for estimated annual salary increases. Having a general savings goal is nice, but to avoid falling short in retirement, you’ll need more than a ballpark figure. Experts recommend creating a retirement budget to get an up-close-and-personal look at how much you’ll really need once you leave the workforce. First, estimate how much you’ll spend per month in retirement. While some costs will increase, like health care, others will likely decrease, like dining out and commuting. “Estimating expenses can be challenging for some people, so as a starting point, I often use your net take-home pay,” says Jeff DeLarme, a certified financial planner and president of DeLarme Wealth Management. For example, if you receive a direct deposit of $2,500 every two weeks from work, use $5,000 as your estimated monthly spending in retirement. “Assuming this was enough to pay the bills while working, we can use $5,000 a month as a starting budget to plan for,” says DeLarme. Next, map out your sources of income in retirement. Social Security is the largest income stream for most retirees, but don’t neglect other inflows, such as: —Workplace retirement accounts, like 401(k)s —Personal retirement accounts, like a traditional or Roth IRA —Pensions —Annuities —Selling your home or business —Rental income —Inheritance “If there’s a gap between your expected expenses and income, you’ll have a good idea of how much you need to save,” says Mike Hunsberger, a certified financial planner and owner of Next Mission Financial Planning. From there, you can adjust your savings and investment strategy accordingly. For something as important (and complex) as retirement planning, it pays to speak with a professional. Financial advisers can analyze your savings, investments and retirement goals to create a personalized plan. Advisers use special planning software that account for more variables than an online calculator, giving you a much more precise, granular look at your financial life in retirement. Many financial advisers can also help you optimize your tax strategy, which can potentially save you thousands of dollars over time. Make sure the adviser you hire is a fiduciary , meaning they’re legally obligated to prioritize your interests over their own. A fiduciary won’t push investments to earn a commission or recommend products that aren’t aligned with your needs. A certified financial planner is one of the most well-recognized designations for fiduciaries. You can use Bankrate’s adviser matching tool to find a certified financial planner in your area in minutes. Maybe you did the math and realized you’re not quite where you need to be. Don’t panic if you’re behind schedule. Here are five strategies experts recommend to help you catch up on your retirement savings . Cutting expenses now frees up more cash to invest in your retirement accounts. Evaluate your budget and identify areas where you can cut costs, like dining out, streaming subscriptions or shopping. Don’t rule out bigger lifestyle changes either, especially if retirement is rapidly approaching. Housing is the biggest monthly expense for most people. Getting creative here can help amplify the amount you can sock away, says Joseph Boughan, a certified financial planner and managing member at Parkmount Financial Partners. It can also reduce your expenses in retirement, so you may not need to save as much as before. “Downsizing can be a great way to cut expenses,” says Boughan. “This can even free up cash if you don’t end up needing all that money for a new home.” Moving somewhere with lower property taxes or income taxes can also help bring your retirement plan back in line. And if you’re a renter, making tough short-term decisions, like taking on a roommate or moving to a lower cost-of-living area, can free up hundreds of dollars a month for your retirement. “Everyone’s plan is unique, so exploring all the options is important,” Boughan says. Joe Conroy, a certified financial planner and owner of Harford Retirement Planners, recommends taking a “retirement test drive” as you near your target date. “Start to live on what income you think you can afford in retirement and stash all the extra income into savings and investments,” says Conroy. “If you can make it through each month, you’re ready for retirement. If you run short, then adjust your plan accordingly.” Working a little longer can be a game-changer for your retirement nest egg. Not only does it give you more time to save, it also gives your investments room to grow. “Working longer or even just part time for a few years early in retirement is one of the best ways to reduce the amount of money you need to save,” says Hunsberger. Postponing retirement can also boost your Social Security benefits . “You can claim as early as 62, but your benefits will be reduced significantly,” says Hunsberger. Meanwhile, each year you delay claiming Social Security benefits beyond your full retirement age , your monthly check will increase by 8%, though this benefit maxes out at age 70. So waiting can really pay off. It may seem obvious, but if you’re behind on retirement savings, you’ll need to boost your contributions as much as possible. Here are a few ways to make saving for retirement easier: —Increase your contribution rate: Allocate a larger portion of your paycheck to a workplace retirement plan. Even bumping up your contributions by 1% or 2% can make a huge difference down the road. —Take advantage of your employer match: Don’t leave free money on the table. Many employers will chip in between 3 and 5% depending on your plan, so make sure you’re contributing enough to take advantage of the benefit. —Use “unexpected” money to catch up: If you get a raise or bonus at work, funnel part of it directly into your 401(k). And if you get a refund at tax time, siphon some of it off to beef up your IRA. If you’ve been investing in low-risk, low-return investments, you may not be keeping up with inflation, let alone growing your nest egg. Reallocating part of your portfolio to stocks or low-cost growth exchange-traded funds (ETFs) is one way to get your money working harder. Higher-risk investments like stocks carry more volatility but also offer higher potential returns. Work with a financial adviser or use a robo-adviser to strike the right balance between growth and your personal risk tolerance. Contribution limits for 401(k) plans and IRAs are higher for people over 50. For 2025, employees aged 50 and up who participate in most 401(k) plans or the federal government’s Thrift Savings Plan can save up to $31,000 annually, including a $7,500 catch-up contribution . But thanks to SECURE 2.0 , a sweeping retirement law, a new higher catch-up contribution limit of $11,250 applies for employees ages 60 to 63. So, if you’re in this age group, you can squirrel away a whopping $34,750 a year during the final stretch of your career. Of course, you’ll need a big salary (think six figures) in order to take full advantage of such massive contribution limits. But if you can afford it, these catch-up allowances can put your plan back on track, especially if you struggled to save much early in your career. There’s no GPS to gauge your progress on the road to retirement. If you’ve veered off course or aren’t sure where to start, begin by getting a quick estimate of how much you’ll need before mapping out a retirement budget. And if you’re behind, don’t panic — adjusting your spending, boosting your contributions and speaking with a financial adviser can help you catch up. ©2024 Bankrate.com. 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MADRID (AP) — Getafe scored twice in three minutes midway through the second half to beat struggling Valladolid 2-0 and record only its second win in La Liga on Friday. The victory ended Getafe’s five-game winless run and lifted it into 15th place in the 20-team standings.The case of Yang Niu Hua and Yu Hua Ying may have reached its conclusion in the court of second instance, but the impact of their story will continue to resonate far and wide. It is a story of loss and suffering, of strength and resilience, of justice and redemption. And in the end, it is a story that reminds us all of the power of hope, the strength of belief, and the importance of standing firm in the face of adversity.

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By REBECCA SANTANA WASHINGTON (AP) — President-elect Donald Trump has promised to end birthright citizenship as soon as he gets into office to make good on campaign promises aiming to restrict immigration and redefining what it means to be American. But any efforts to halt the policy would face steep legal hurdles. Birthright citizenship means anyone born in the United States automatically becomes an American citizen. It’s been in place for decades and applies to children born to someone in the country illegally or in the U.S. on a tourist or student visa who plans to return to their home country. It’s not the practice of every country, and Trump and his supporters have argued that the system is being abused and that there should be tougher standards for becoming an American citizen. But others say this is a right enshrined in the 14th Amendment to the Constitution, it would be extremely difficult to overturn and even if it’s possible, it’s a bad idea. Here’s a look at birthright citizenship, what Trump has said about it and the prospects for ending it: During an interview Sunday on NBC’s “Meet the Press” Trump said he “absolutely” planned to halt birthright citizenship once in office. “We’re going to end that because it’s ridiculous,” he said. Trump and other opponents of birthright citizenship have argued that it creates an incentive for people to come to the U.S. illegally or take part in “birth tourism,” in which pregnant women enter the U.S. specifically to give birth so their children can have citizenship before returning to their home countries. “Simply crossing the border and having a child should not entitle anyone to citizenship,” said Eric Ruark, director of research for NumbersUSA, which argues for reducing immigration. The organization supports changes that would require at least one parent to be a permanent legal resident or a U.S. citizen for their children to automatically get citizenship. Others have argued that ending birthright citizenship would profoundly damage the country. “One of our big benefits is that people born here are citizens, are not an illegal underclass. There’s better assimilation and integration of immigrants and their children because of birthright citizenship,” said Alex Nowrasteh, vice president for economic and social policy studies at the pro-immigration Cato Institute. In 2019, the Migration Policy Institute estimated that 5.5 million children under age 18 lived with at least one parent in the country illegally in 2019, representing 7% of the U.S. child population. The vast majority of those children were U.S. citizens. The nonpartisan think tank said during Trump’s campaign for president in 2015 that the number of people in the country illegally would “balloon” if birthright citizenship were repealed, creating “a self-perpetuating class that would be excluded from social membership for generations.” In the aftermath of the Civil War, Congress ratified the 14th Amendment in July 1868. That amendment assured citizenship for all, including Black people. “All persons born or naturalized in the United States and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside,” the 14th Amendment says. “No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States.” But the 14th Amendment didn’t always translate to everyone being afforded birthright citizenship. For example, it wasn’t until 1924 that Congress finally granted citizenship to all Native Americans born in the U.S. A key case in the history of birthright citizenship came in 1898, when the U.S. Supreme Court ruled that Wong Kim Ark, born in San Francisco to Chinese immigrants, was a U.S. citizen because he was born in the states. The federal government had tried to deny him reentry into the county after a trip abroad on grounds he wasn’t a citizen under the Chinese Exclusion Act. But some have argued that the 1898 case clearly applied to children born of parents who are both legal immigrants to America but that it’s less clear whether it applies to children born to parents without legal status or, for example, who come for a short-term like a tourist visa. “That is the leading case on this. In fact, it’s the only case on this,” said Andrew Arthur, a fellow at the Center for Immigration Studies, which supports immigration restrictions. “It’s a lot more of an open legal question than most people think.” Some proponents of immigration restrictions have argued the words “subject to the jurisdiction thereof” in the 14th Amendment allows the U.S. to deny citizenship to babies born to those in the country illegally. Trump himself used that language in his 2023 announcement that he would aim to end birthright citizenship if reelected. Trump wasn’t clear in his Sunday interview how he aims to end birthright citizenship. Asked how he could get around the 14th Amendment with an executive action, Trump said: “Well, we’re going to have to get it changed. We’ll maybe have to go back to the people. But we have to end it.” Pressed further on whether he’d use an executive order, Trump said “if we can, through executive action.” He gave a lot more details in a 2023 post on his campaign website . In it, he said he would issue an executive order the first day of his presidency, making it clear that federal agencies “require that at least one parent be a U.S. citizen or lawful permanent resident for their future children to become automatic U.S. citizens.” Related Articles National Politics | Trump has flip-flopped on abortion policy. His appointees may offer clues to what happens next National Politics | In promising to shake up Washington, Trump is in a class of his own National Politics | Election Day has long passed. In some states, legislatures are working to undermine the results National Politics | Trump taps his attorney Alina Habba to serve as counselor to the president National Politics | Massachusetts Democrat Seth Moulton bashes local media for trying to ‘inflame’ LGBTQ remarks Trump wrote that the executive order would make clear that children of people in the U.S. illegally “should not be issued passports, Social Security numbers, or be eligible for certain taxpayer funded welfare benefits.” This would almost certainly end up in litigation. Nowrasteh from the Cato Institute said the law is clear that birthright citizenship can’t be ended by executive order but that Trump may be inclined to take a shot anyway through the courts. “I don’t take his statements very seriously. He has been saying things like this for almost a decade,” Nowrasteh said. “He didn’t do anything to further this agenda when he was president before. The law and judges are near uniformly opposed to his legal theory that the children of illegal immigrants born in the United States are not citizens.” Trump could steer Congress to pass a law to end birthright citizenship but would still face a legal challenge that it violates the Constitution. Associated Press reporter Elliot Spagat in San Diego contributed to this report.

By now, everyone knows about Jada Williams’ grit. The sophomore will go head-to-head with anyone on the court – even if they are nearly a foot taller than her 5-8 inch frame. Nothing and no one scares her on the court. That’s a fact. We’ve seen her leap up to grab a rebound against the trees, go after a 50/50 ball with abandon, take a charge no matter who is coming directly at her – and each time bounces back up and claps. Williams is always ready to go. That’s why when she rolled her ankle and was down on the far end of the court against GCU in the fourth quarter Thursday with a little more than seven minutes left in the game, and took a beat, everyone in McKale Center collectively held their breath. It was even more nerve-wracking when UA performance coach Chris Allen picked up Williams and carried her into the locker room so UA trainer Bart Jameson could work on that right ankle. However, for Williams, it was all part of the game. She wasn’t worried at all and just wanted to get back on the court and do what she does best to help her teammates. Arizona Wildcats guard Jada Williams (2) gets pumped after drawing a foul off of a UT Arlington player in the first half during a game at McKale Center in Tucson, Ariz. on Nov. 4, 2024. “My end goal is I’ll deal with it later, like the last five minutes of the game, it’s five minutes. I can do anything for five minutes,” Williams said. “I can play for my team for five minutes. That’s my thought process.” As Arizona (7-4) hosts CSU Bakersfield (0-8) Tuesday, her teammates will once again rely on their point guard to run the offense and just about everything else. Williams did come back for the last five minutes and change, that’s exactly what she told Jameson and Allen. Basically, “Tape me up, there’s a lot I can do in five minutes.” That play was typical Williams. She was boxing out on a free throw and her opponent fell over her. Williams said it was a normal old ankle sprain. Williams spent the summer working on her ankle strength. Part of this is connected to a nagging right Achilles – which she called tendonitis from last season. There are many games when Williams comes off the court just to get re-tapped by Jameson. Part of this is finding the right tape job to support her ankle, but not bother her Achilles. It’s a balancing act. Tarleton State forward Alani Fluker (23) crashes down on Arizona guard Jada Williams (2) after getting beat on the race to the loose ball in the third quarter of their game, Tucson, Ariz., Nov. 7, 2024. “I’m just trying to do different tape jobs to where my Achilles doesn’t get swollen, basically,” Williams said. “Right now, I’m just taking the chance of rolling an ankle and not having Achilles pain 99% of the time. I take that chance of rolling an ankle, and I know that. (I’m) just going in getting re-taped (as) it just keeps my ankle still, I guess, and prevents that.” Just like most basketball players, once the season starts, they just figure out a way to play with the little nagging things. This includes Williams’ teammate Paulina Paris, who shared that it’s taking longer to heal her broken nose because the games and practices just keep coming. Paris is not alone as Sue Bird, former WNBA player – and former teammate of Adia Barnes on the 2004 Seattle Storm Championship squad – played with a mask multiple times during her career after breaking her nose. Rafael Nadal may be one of the most noticeable athletes who played with foot tendonitis. He adapted how he played and even utilized different recovery and training methods to help. Many athletes don’t talk about what ails them, but just as Williams is the communicator on the court, she is off the court, as well. Arizona guard Jada Williams (2) gets in a foot race to the ball with UNLV guard Kiara Jackson (3) late in their game, Tucson, Ariz., Nov. 12, 2024. For Williams, she does a lot to get ready to play a game, practice and for recovery. All for the love of the game, as well as her teammates and coaches. “I do toe yoga, things like that, just trying to strengthen my feet, strengthen the muscles, the bones around my feet, so that’s something I always work on,” Williams said. “I’m in the training room every single day for a couple hours just trying to take care of my body. I do play a lot of minutes. So cold tubs, cryotherapy, I’m living in there every single day.” Cryotherapy is known to reduce swelling, pain and increase circulation to, in Williams’ case, her entire foot. Williams also has a routine after the game. She admits that on Friday morning her right ankle was swollen, “but I’ve got a good support system.” “I have a little puppy at home (Deuce), so I get to go home to him and kind of forget about basketball for a little bit,” Williams said. “I go home, decompress, I try not to think about the game. Sometimes I’ll come in here (McKale) and shoot. If I miss a lot of free throws or something like that, I’ll come in and get shots up. But injury wise, just go home, decompress and then watch the film the next day.” Arizona Wildcats guard Jada Williams (2) sinks the ball in the net during the match against GCU at the McKale Center, Dec. 5, 2024. Williams has adjusted to all of it – the taping and the re-taping, the different types of recovery and even not putting in a ton of extra reps. While she said the tendonitis hasn’t affected her shot – and if you look at her feet when she shoots a free throw, takes a 3, a jumper or even a layup, nothing has changed – she is putting up fewer of those extra shots outside of practice like she did in the offseason. During that time, she was hitting 45% or so of her attempts in practice. Williams said her goal is just to be on the court, “because my leadership carries over, and my leadership being out there, even if I’m not scoring, I know I got heart on defense, and I talk a lot and things like that. Just help my teammate any way I can.” On those charges, Williams just shrugs and says that she’s been taking charges since she was in fourth or fifth grade and just knows how to do it and knows whatever hurts “don’t fall like that again.” “That’s my heart, my mental toughness,” Williams said. “I’ll sacrifice my body if that’s what I have to do. That’s just something that I’ve always done, no matter if it’s a board game, anything like that. I’m just competitive. So that’s what I got to do to win, I’ll do it.” Contact sports reporter PJ Brown at pjbrown@tucson.com . On X(Twitter): @PJBrown09 Who: Arizona Wildcats (7-4) vs. CSU Bakersfield Roadrunners (0-8) When: 6 p.m. Where: McKale Center Watch: ESPN+ Listen: 1400-AM Respond: Write a letter to the editor | Write a guest opinion Subscribe to stay connected to Tucson. A subscription helps you access more of the local stories that keep you connected to the community. Be the first to know Get local news delivered to your inbox! Reporter