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wild casino customer service Social Security: Senate begins final push to expand benefits for millionsNINGDE, China , Dec. 24, 2024 /PRNewswire/ -- On December 24th, CATL officially launched the CATL Bedrock Chassis, the world's first ultra-safe skateboard chassis. With its outstanding performance of withstanding 120 km/h frontal impact without catching fire or exploding, CATL's Bedrock Chassis sets a new standard for intelligent chassis safety, providing comprehensive protection across all scenarios and speed ranges. Lead the industry with the most stringent safety tests With the battery-centered design, CATL's Bedrock Chassis utilizes Cell-to-Chassis integration technology, which directly integrates the battery cells into the chassis, allowing for a shared structural design between them. And based on the decoupling of the chassis from the upper body, the Bedrock Chassis is capable of absorbing 85% of the vehicle's collision energy (compared to around 60% absorbed by traditional chassis). Through various technological breakthroughs, the Bedrock Chassis successfully passed the world's first "highest speed + strongest impact" dual extreme safety test. This achievement enables the chassis to pass the 120 km/h frontal central pole impact test without catching fire, exploding or thermal runway, redefining the benchmark for safety in the industry. Currently, the speed for frontal impact safety test in the commonly used C-NCAP (China New Car Assessment Program) is 56km/h, which, when experiencing a frontal impact at this speed, generates collision energy equivalent to falling from 12-meter-high building. In comparison, a frontal impact at 120km/h is equivalent to falling from a 56-meter-high building, generating a collision energy 4.6 times that of collision at 56km/h. In more stringent frontal pole crash tests, which simulate crashes with non-standard objects such as power poles, large trees, or animals, the impact area is only 1/6 of that in a full-width frontal impact, exponentially increasing impact pressure. At a speed of 120km/h, the impact pressure on the chassis per unit area in a frontal central pole impact is 21 times that of the 56 km/h full-width frontal impact in C-NCAP testing. Due to the extremely high crash speed and intensity, there has been no previous instance of any new energy vehicle daring to challenge a 120km/h frontal pole impact test. With this extreme challenge, CATL's Bedrock Chassis has blazed a fresh trail for the industry. Open the era of ultra-safe transportation through three technological breakthroughs CATL's Bedrock Chassis has delved deep into the realm of structure and material innovation, leveraging three technological breakthroughs to provide unparalleled protection in all scenarios and speed ranges, ensuring rock-solid safety for the entire vehicle. The CATL Bedrock Chassis introduces a revolutionary three-dimensional biomimetic tortoise shell structure, where the body and energy unit framework are integrated, deeply coupled to provide the energy unit with indestructible protection. And its aircraft carrier-grade arresting structure disperses impact forces across multiple pathways during a crash, gradually decelerating the vehicle and significantly reducing the depth and speed at which obstacles intrude the cabin. The utilization of submarine-grade hot-formed steel with a strength of 2000MPa, aerospace-grade aluminum alloy with a strength of 600MPa, and multiple barrier structures further enhance the chassis' rigidity, making it virtually impervious. Moreover, the CATL Bedrock Chassis incorporates an ultra-safe battery cell design, NP technology, and a high-ductility energy-absorbing insulation film, leading the industry in a groundbreaking manner. In terms of high-voltage disconnection, it achieves instantaneous disconnection of high voltage circuit within 0.01 seconds of impact and completes the discharge of residual high-voltage energy in the vehicle within 0.2 seconds, setting a new industry record. Notably, the battery cells have undergone highly demanding tests, including high-speed sled impact tests at 60 km/h, 90-degree bending tests, and breakthrough sawing tests, the battery did not catch fire or explode across all three tests. These tests, all industry-firsts by CATL, have elevated the safety standards of battery cells to new heights. Unlocking the era of customization, and activating a trillion-yuan market The launch of the Bedrock Chassis not only redefines the standard for intelligent chassis safety but also activates a trillion-yuan market. It greatly accelerates the shift towards modular, personalized, and intelligent automotive design. Addressing the common pain points of high investment, long development cycles, and accelerated product iteration in the industry, the Bedrock Chassis incorporates three core characteristics: internal integration, decoupling of the chassis from the upper body, and external openness. With a rich array of toolkits and solution packages, it offers a scalable software and hardware architecture and standardized interfaces, enabling flexible configurations for different vehicle models and scenarios. This allows the realization of a "one chassis architecture, multiple vehicle models" concept and significantly improves development efficiency and shortens the R&D cycle. The time required for mass production of a vehicle is reduced from the traditional 36 months or longer to 12 to 18 months. Furthermore, the Bedrock Chassis breaks the limits of safety and modeling, and expands design flexibility through the design of decoupling of the chassis from the upper body. The fourth-generation Cell-to-Chassis (CTC) technology and inverted battery cell technology enhance the utilization of chassis space while reducing the risk of chassis scraping. Additionally, in terms of intelligence, the chassis supports mechanical decoupling, software decoupling and EE decoupling, enabling L3 to L4 intelligent driving capabilities. It provides high adaptability interfaces and promotes collaborative intelligent applications. At the launch ceremony, AVATR, the first automaker to use Bedrock Chassis, and CAIT-SH, CATL's skateboard chassis arm, signed an agreement to deepen cooperation on CATL's Bedrock Chassis to create a safer, higher-quality travel experience for users. Safety is a never-ending journey. In the future, CATL will continue to break technological barriers through continuous innovation, and work with partners to build a safe ecosystem for EV batteries and vehicles, safeguarding the safety of users. View original content to download multimedia: https://www.prnewswire.com/news-releases/catl-launches-the-bedrock-chassis-that-withstands-120-kmh-impact-without-catching-fire-or-exploding-302338927.html SOURCE Contemporary Amperex Technology Co., Limited (CATL)

(Bloomberg) — Asian stocks are set for a cautiously positive start in holiday-thinned trading after the Federal Reserve’s preferred inflation gauge came in below expectations on Friday and a US government shutdown was averted over the weekend. Australian shares climbed in early trading, with futures in Japan and Hong Kong pointing to gains. Contracts in mainland China eased. US stock futures rose after the S&P 500 Index gained 1.1% on Friday, the biggest increase since Nov. 6, as US personal consumption expenditures increased at the slowest pace since May. Early gains would offer some respite to global markets after stocks suffered their worst weekly drop in four months as a stream of robust US economic data saw the Fed scale back the number of cuts it anticipates in 2025. With Chair Jerome Powell focused on inflation progress, Friday’s muted numbers will likely have reassured policymakers — and investors — that the economy is cooling despite being robust. “Lower than expected US core PCE inflation data for November suggests that the Fed may have gotten too negative on inflation,” Shane Oliver, head of investment strategy and chief economist at AMP Ltd., wrote in a note to clients. “Our overall assessment remains that the trend in shares is still up, including for Australian shares, but expect a far more volatile and constrained ride over the year ahead.” Australia’s 10-year yield fell six basis points in early trading, following a rally in US Treasuries after the PCE data on Friday. The dollar was steady against major peers after President Joe Biden signed funding legislation to keep the US government operating until mid-March, avoiding a year-end shutdown and kicking future spending decisions into Donald Trump’s presidency. Sentiment may quickly shift as investors look toward Trump’s inauguration in January and the prospect of sweeping global tariffs, adding to an already torrid time in emerging Asia as sentiment toward Chinese assets wanes. Asian stocks are set for their first quarterly loss since September 2023 while a gauge of the region’s currencies fell to its lowest in more than two years last week. China’s one-year bond yield slumped below levels last seen in the global financial crisis on Friday, as traders ramped up bets on monetary easing. “Recent weakening of Asia FX, in our view, is in large driven by the backup of the dollar, the significant shift of the China government stance for a moderately loose monetary stance” and a deterioration of the macro growth outlook, especially in South Korea, said Wee Khoon Chong, senior Asia Pacific market strategist at BNY in Singapore. “Asia currencies are cheap, but beware to catch the falling knife.” This week, the Reserve Bank of Australia will release the minutes from its policy meeting after making a dovish pivot, while an inflation reading for Tokyo, a harbinger for wider Japan, is due. Inflation data in Singapore and a UK growth reading are also scheduled for release. Key events this week: Some of the main moves in markets: Stocks Currencies Cryptocurrencies Bonds Commodities This story was produced with the assistance of Bloomberg Automation.

Amazon and Starbucks workers are on strike. Trump might have something to do with it Amazon delivery drivers and Starbucks baristas are on strike in a handful of U.S. cities as they seek to exert pressure on the two major companies to recognize them as unionized employees or to meet demands for an inaugural labor contract. Strikes during busy periods like the holidays can help unions exercise leverage during negotiations or garner support from sympathetic consumers. One expert says he thinks workers at both companies are “desperate” to make progress before President-elect Donald Trump can appoint a Republican majority to the National Labor Relations Board. Workers at Starbucks, Amazon and some other prominent consumer brands are fighting for their first contracts after several locations voted to unionize. Bluesky finds with growth comes growing pains — and bots Bluesky has seen its user base soar since the U.S. presidential election, boosted by people seeking refuge from Elon Musk’s X, or wanting an alternative to Meta’s Threads and its algorithms. The platform grew out of the company then known as Twitter and was eventually intended to replace it. While this is still very much a pie in the sky, Bluesky’s growth trajectory could make it a serious competitor to other social platforms. With growth, though, comes growing pains. It’s not just human users who’ve been flocking to Bluesky but also bots, including those designed to create partisan division or direct users to junk websites. Party City to close its stores as company files for bankruptcy LOS ANGELES (AP) — Party City announced that it's going to “wind down” its retail and wholesale operations as it prepares to shutter nearly 700 stores nationwide. The company said Saturday it has also filed for Chapter 11 bankruptcy protection "to maximize value for the benefit of the company’s stakeholders.” The New Jersey-based retailer said it will keep more than 95% of its 12,000 employees to help with the process of closing down. Customers have flocked to Party City for Halloween costumes, favors for children’s birthday parties and decorations for New Year’s Eve celebrations for nearly 40 years. It has faced growing competition from Walmart and Target and from occasion-based pop-up stores such as Spirit Halloween. A million taxpayers will soon receive up to $1,400 from the IRS. Who are they and why now? Approximately 1 million taxpayers will automatically receive special payments of up to $1,400 from the IRS in the coming weeks. The money will be directly deposited into eligible people’s bank accounts or sent in the mail by a paper check. Most people shouldn't get their hopes up about receiving the cash. The IRS says it’s distributing about $2.4 billion to taxpayers who failed to claim a Recovery Rebate Credit on their 2021 tax returns after missing one of the COVID stimulus payments or receiving less than the full amount. The IRS says most taxpayers eligible for the federal stimulus payments received them. 'Sonic 3' bests 'Mufasa: The Lion King' at the box office NEW YORK (AP) — In the holiday season battle of big-budget family movies, Paramount Pictures’ “Sonic the Hedgehog 3” sped past the Walt Disney Co.’s “Mufasa: The Lion King” to take the top spot at the box office. The results came just ahead of the lucrative Christmas corridor in theaters. According to studio estimates, “Sonic the Hedgehog 3” debuted with $62 million in ticket sales over the weekend. “Mufasa,” however, was humbled in its opening weekend, coming in notably shy of expectations. It returned just $35 million in domestic ticket sales. Farmers are still reeling months after Hurricane Helene ravaged crops across the South LYONS, Ga. (AP) — Farmers in Georgia are still reeling more than two months after Hurricane Helene blew away cotton, destroyed ripened squash and cucumbers and uprooted pecan trees and timber. Agribusinesses in other Southern states saw costly damage as well. The University of Georgia estimates the September storm inflicted $5.5 billion in direct losses and indirect costs in Georgia alone. In rural Toombs County, Chris Hopkins just finished harvesting his ravaged cotton crop and figures he lost half of it, costing him about $430,000. Poultry grower Jeffrey Pridgen in Georgia's Coffee County had four of his 12 chicken houses destroyed and others badly damaged. Farmers say more government disaster assistance is needed. Ex-OpenAI engineer who raised legal concerns about the technology he helped build has died Suchir Balaji, a former OpenAI engineer and whistleblower who helped train the artificial intelligence systems behind ChatGPT and later said he believed those practices violated copyright law, has died, according to his parents and San Francisco officials. He was 26. He was well-regarded by colleagues at the San Francisco company, where a co-founder this week called him one of OpenAI’s strongest contributors who was essential to developing some of its products. But he grew disillusioned with the company and told The Associated Press this fall he would “try to testify” in copyright infringement cases against it. Federal Reserve's preferred inflation gauge shows price pressures eased last month WASHINGTON (AP) — An inflation gauge that is closely watched by the Federal Reserve barely rose last month in a sign that price pressures cooled after two months of sharp gains. Prices rose just 0.1% from October to November. Excluding the volatile food and energy categories, prices also ticked up just 0.1%, after two months of outsize 0.3% gains. The milder inflation figures arrived two days after Federal Reserve officials, led by Chair Jerome Powell, rocked financial markets by revealing that they now expect to cut their key interest rate just two times in 2025, down from four in their previous estimate. Albania to close TikTok for a year blaming it for promoting violence among children TIRANA, Albania (AP) — Albania’s prime minister says the government will shut down video service TikTok for one year, blaming it for inciting violence and bullying, especially among children. Albanian authorities held 1,300 meetings with teachers and parents following the stabbing death of a teenager in mid-November by another teenager following a quarrel that started on TikTok. Prime Minister Edi Rama, speaking at a meeting with teachers and parents, said TikTok “would be fully closed for all. ... There will be no TikTok in the Republic of Albania.” Rama says the ban will begin sometime next year. Albanian children comprise the largest group of TikTok users in the country, according to domestic researchers. Stock market today: Wall Street rises to turn a dismal week into just a bad one NEW YORK (AP) — U.S. stocks rose to turn what would have been one of the market’s worst weeks of the year into just a pretty bad one. The S&P 500 rallied 1.1% Friday to shave its loss for the week down to 2%. The Dow Jones Industrial Average jumped nearly 500 points, and the Nasdaq composite gained 1%. A report said a measure of inflation the Federal Reserve likes to use was slightly lower last month than expected. It’s an encouraging signal after the Fed shocked markets Wednesday by saying worries about inflation could keep it from cutting interest rates in 2025 as much as earlier thought.Vancouver, BC, Dec. 24, 2024 (GLOBE NEWSWIRE) -- Demesne Resources Ltd. (CSE:DEME) (OTCQB:DEMRF) (“ Demesne ” or the “ Company ”) is pleased to announce that it has completed the third tranche (the “ Third Tranche ”) of its previously announced non-brokered private placement financing (the “ Offering ”). Pursuant to the Third Tranche, the Company issued 1,660,000 common shares of the Company (“ Common Shares ”), at a price of $0.25 per Common Share for gross proceeds of approximately $415,000. The Company plans to complete a subsequent tranche of the Offering, for gross proceeds of up to $424,599 in January 2025. In connection with the Third Tranche, the Company paid finder’s fees to eligible finders consisting of $17,150 in cash and 68,600 Common Share purchase warrants (the “ Finder’s Warrants ”). Each Finder’s Warrant is exercisable to acquire one Common Share of capital of the Company at an exercise price of $0.25 per Common Share for a period of 12-months. Closing of the Offering is subject to a number of conditions, including receipt of all necessary corporate and regulatory approvals, including the Canadian Securities Exchange (the “ CSE ”). The Company will use the net proceeds from the Offering to fund certain payments pursuant to an option agreement in connection with the IMA Mine Project, certain payments pursuant to an option agreement in connection with the Star Project, work program related expenses, marketing expenses, and for general working capital purposes. All securities issued in connection with the Third Tranche are subject to a statutory hold period of four months plus a day from the date of issuance in accordance with applicable securities legislation. This news release does not constitute an offer to sell or a solicitation of an offer to buy any securities in the United States. The securities have not been and will not be registered under the United States Securities Act of 1933, as amended (the “ U.S. Securities Act ”) or any state securities laws and may not be offered or sold within the United States or to U.S. Persons unless registered under the U.S. Securities Act and applicable state securities laws or an exemption from such registration is available. ABOUT DEMESNE RESOURCES LTD. Demesne Resources Ltd. is a British Columbia based company involved in the acquisition and exploration of magnetite mineral properties. The Company's Star Project consists of five contiguous mineral titles covering an area of approximately 4,615.75 hectares located in the Skeena Mining Division, British Columbia, Canada. The Company has entered into an option agreement pursuant to which it is entitled to earn an undivided 100% interest in the Star Project. Demesne has also entered into an option agreement, pursuant to which it can acquire a 100% interest (subject to a 2% royalty) in and to the IMA Mine Project, a past producing underground tungsten mine situated on 22 patented claims located in East Central, Idaho, United States. Social media links: LinkedIn: https://www.linkedin.com/company/demesneresources/ X: https://x.com/demesneresource Facebook: https://www.facebook.com/DemesneResources Instagram: https://www.instagram.com/demesneresources/ YouTube: https://www.youtube.com/@demesneresources ON BEHALF OF THE BOARD OF DIRECTORS: Murray Nye ‎CEO 1055 West Georgia Street, Suite 1500 Vancouver, BC V6E 0B6 Canada For further information, please contact: Murray Nye, CEO Email: ir@demesneresources.com Phone: +1 (416) 300-7398 CSE:DEME OTCQB:DEMRF The Canadian Securities Exchange does not accept responsibility for the adequacy or accuracy of this release and has neither approved nor disapproved the contents of this press release. This press release includes "forward-looking information" that is subject to a number of assumptions, risks and uncertainties, many of which are beyond the control of the Company. Such statements represent the Company’s current views with respect to future events and are necessarily based upon a number of assumptions and estimates that, while considered reasonable by the Company, are inherently subject to significant business, economic, competitive, political and social risks, contingencies and uncertainties. Many factors, both known and unknown, could cause results, performance, or achievements to be materially different from the results, performance or achievements that are or may be expressed or implied by such forward-looking statements. The Company does not intend, and does not assume any obligation, to update these forward-looking statements or information to reflect changes in assumptions or changes in circumstances or any other events affecting such statements and information other than as required by applicable laws, rules and regulations.

can be great options for income-seeking investors. Term deposits still offer a good level of income, but some stocks can provide a really high . There seems to be a that high-yield dividend plays more appealing. Investors have already sent higher share prices of some interest rate-sensitive ASX dividend shares, such as ( ) and ( ), in anticipation of rate cuts. There aren't many stocks on the ASX still offering a big yield – the ones that do are typically higher-risk. But, having said that, if I were trying to find stocks with big dividend yields, the below two would be at the top of my buy list, partly due to their low prices. APA Group ( ) APA is one of the largest energy businesses in Australia, with a of $9 billion, according to the ASX. The business owns a portfolio of energy assets, including a large national gas pipeline, gas processing facilities, gas energy generation, solar farms, wind farms, and electricity transmission assets. Impressively, it transports half of the nation's gas usage. The APA share price is down 18% in the last 12 months and 40% from August 2022, which means it's currently a lot cheaper. APA's energy assets are still doing the same job they were two years ago and making . Energy is just as important as it was two years ago. t of its revenue is linked to inflation also helps. The ASX dividend share recently noted the that the South West Queensland Pipeline (SWQP) will not be subject to full price regulation and that the existing light regulation regime will remain in place. This helps remove some uncertainty that was hanging over the business and gives APA confidence to invest in more infrastructure. APA has grown its distribution every year for the last two decades. The guided payout for FY25 is 57 cents, which translates into a distribution yield of 8%. Centuria Office REIT ( ) As the name suggests, this is a that owns office buildings. The Centuria Office REIT share price has dropped 18% in the last year and 57% since September 2021. It now seems very cheap to me. Office buildings are not exactly a high-growth sector, but I think there are signs to be positive. For starters, more businesses are mandating partial or total returns to the office, such as ( ) recently 5,000 office workers they will need to go to the workplace at least three days a week. The ASX dividend share continues to sign new lease terms, which is maintaining its occupancy rate above 90%. There is a limited supply of new office buildings being built, partly due to high development costs, which helps support demand for existing office buildings. I also like the initiative of the business to work with ResetData, a liquid immersion cooling (LIC) data centre operator which is building a 1.5MW edge data centre. This helps utilise office building space, improve rental returns and increase the underlying value of that building. If it can agree on more data centre deals, this could be a catalyst for the share price to rise. The business has guided that it's going to pay a distribution per security of 10.1 cents in FY25, which translates into a distribution yield of 9%.

Do tree-shaped Reese’s actually taste better than a regular peanut butter cup?Britain's leader Keir Starmer makes his first trip to the Gulf as prime minister from Sunday, seeking to attract investment from the region's oil-rich states, Downing Street announced. Starmer will first visit the United Arab Emirates and then travel to Saudi Arabia, before stopping off in Cyprus on his way back to London on Tuesday in a bid "to build closer ties and drive long term UK growth". The trip to Abu Dhabi and Riyadh comes as his Labour government pursues a free-trade deal with the Gulf Cooperation Council's six nations: Bahrain, Kuwait, Oman, Qatar, Saudi Arabia, and UAE. "There is huge untapped potential in this region, which is why, while here, I will be making the case to accelerate progress on the Gulf Cooperation Council Free Trade Agreement," Starmer said in a statement released Saturday. The meetings will also aim to "deepen our research and development collaboration" and partner on projects in areas including defence and artificial intelligence, Starmer added. The British leader will land in the UAE on Sunday evening, ahead of Monday morning talks with its president Sheikh Mohamed bin Zayed Al Nahyan. Later Monday, Starmer will fly to Saudi Arabia to meet Riyadh's de facto leader Crown Prince Mohammed bin Salman, who last week hosted French President Emmanuel Macron. A Downing Street press release called the UAE and Saudi "some of the UK's most vital modern-day partners". The regional tour will end on Tuesday with Starmer meeting President Nikos Christodoulides in Nicosia, the first bilateral talks between the leaders of Britain and Cyprus in over five decades. Starmer is also due to address British troops stationed in Cyprus. Labour has staked its credibility on a promise to get Britain's sluggish economy firing again. It says a GCC agreement could boost bilateral trade, currently accounting for £55 billion ($70 bn) of UK trade, by 16 percent, "potentially adding an extra £8.6 billion a year in the long run". It hopes a deal would see Gulf sovereign wealth funds invest in a range of sectors, including energy and infrastructure, while also opening up lucrative markets to British firms. Starmer's trip comes after Britain last week rolled out the diplomatic red carpet for Qatar's emir Sheikh Tamim bin Hamad Al-Thani who enjoyed a state visit to the UK. Starmer discussed trade with the royal during talks in Downing Street that coincided with Qatar announcing it will invest £1 billion ($1.3 billion) in British climate technologies. Discussing regional conflicts is expected to be "high up the agenda", including the Israel-Hamas war in Gaza, the fragile ceasefire in Lebanon and renewed unrest in Syria. Starmer will also be looking to repair relations between the UK and UAE that soured under the previous Conservative government after an Abu Dhabi-backed bid to buy the Telegraph newspaper failed. The Gulf visit will be Starmer's 15th international trip since he entered Number 10 on July 5. Opponents have criticised the amount of time he has spent out of the country but allies insist the trips have been vital to get to know other world leaders. Starmer, 61, has been insisting in capitals that "Britain is back on the world stage" following rancour over its departure from the European Union. pdh/aks/jj

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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. Distributed by Tribune Content Agency, LLC.Tip from Indiana officer led Illinois State Police to narcotics stop in Henry County

Sarum Jewellers, which opened at 14 New Canal in 1986, has moved its stock and counter into 7 Fish Row, reopening on December 11. The firm has retained its former premises to use as a goldsmith's workshop. The jewellers, which is part of the Goldman Group, has been under new ownership since October, with with father-and-son duo Prasanna and Rami Perera taking over from Paul Sandy, who remains heavily involved. Inside Sarum Jewellers' new shop (Image: Newsquest) Store manager Amber Kempson, 31, has been working at Sarum Jewellers for 11 years, including five as assistant manager before her promotion two years ago. She says staff were kept busy in the run-up to Christmas, but their new surroundings made it easier to serve customers effectively. “It's bigger and better,” she said. “There's more room, and we can get more stock in here. “I was doing something in the old shop earlier this week, and I was sat on a little stool thinking, ‘how did we cram so many people in this place?’” The historic fireplace at the former Wheatsheaf Inn (Image: Newsquest) Amber, who was ‘born and bred’ in Salisbury, added: “We feel very much at home here. “Anyone who has been to our shop on a Saturday knows there's a queue to get in. There's more space now, and we can sit down with customers, which we couldn't do before. “It's a more intimate way of selling. “All of our attention can be dedicated to each customer, and there's no battling and jostling and them. This is a much more comfortable environment.” The new shop was previously clothing shop Repertoire and The Wheatsheaf Inn , but it was empty for two years before Sarum moved in. Read more: Salon opens in ‘completely transformed’ former newsagents Read more: Specialist psychology practice moves into High Street premises Amber and her team are researching the shop's long history and say customers have plenty of questions about it – especially its feature fireplace. “We've got a lot of regular customers coming in gobsmacked,” she said. “They love the fireplace. It's a very old building, and it's very us. “We've seen an increase in footfall, but it's difficult to tell if that's because of the new shop or the time of year.” Sarum Jewellers, seen from New Canal (Image: Newsquest) Sarum Jewellers stocks new, pre-loved and antique jewellery, plus watches – including brands Rolex, Omega, Tag Heuer and Cartier – and gifts. Customers can also shop online at www.sarumjewellers.co.uk. The Goldman Group also runs shops in Bournemouth, Christchurch, Dorchester and Torquay.Report: Iowa CB Jermari Harris opts out of rest of seasonGodparents told: Be careful in sending money onlineDunnes Stores fans set to love new Christmas kitchen essentials ‘perfect for Santa’s snack’ from €2