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COSTA MESA, Calif. , Dec. 13, 2024 /PRNewswire/ -- Automatic, a leading fintech firm specializing in facilitating seamless connections between used independent car dealerships and lenders, today announced a strategic partnership with MeridianLink, Inc. (NYSE: MLNK), a leading provider of modern software platforms for financial institutions and consumer reporting agencies. This collaboration leverages Automatic's robust dealership network technology and MeridianLink's advanced decisioning capabilities to empower financial institutions within the automotive lending sector. Automatic's platform serves as a pivotal link for lenders across its expansive independent dealer network, offering tailored solutions that optimize loan aggregation and enhance operational efficiencies. MeridianLink's innovative Advanced Decisioning capabilities, integrated within Automatic's framework, augments decision-making for lenders across a vast network of dealerships. This integration enables real-time loan analysis, improves risk management capabilities, and facilitates faster, more precise lending decisions tailored to specific borrower profiles. "Partnering with MeridianLink ® marks a significant milestone for Automatic as we continue to innovate within the automotive financing landscape," said Eric Burney , CEO of Automatic. "Our mission to foster an 'Open Marketplace' is further realized through this collaboration, empowering lenders with tools to access new clients in a safe way." Financial institutions already integrated with MeridianLink will gain seamless access to Automatic's platform, empowering them to further streamline their lending processes, in the used independent space, enhancing member satisfaction, and capitalizing on market opportunities. For more information about Automatic and its comprehensive auto financing solutions, visit https://www.automaticusa.com . About Automatic Automatic is a pioneering fintech company dedicated to facilitating efficient connections between automotive lenders and independent pre-owned vehicle dealerships. Automatic's platform serves as a cost-effective solution for the automotive financing sector, fostering an open marketplace for stakeholders. About MeridianLink MeridianLink ® (NYSE: MLNK) empowers financial institutions and consumer reporting agencies to drive efficient growth. MeridianLink's cloud-based digital lending, account opening, background screening, and data verification solutions leverage shared intelligence from a unified data platform, MeridianLink ® One, to enable customers of all sizes to identify growth opportunities, effectively scale up, and support compliance efforts, all while powering an enhanced experience for staff and consumers alike. For more than 25 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at www.meridianlink.com . For media inquiries, please contact: nikki@automaticusa.co View original content: https://www.prnewswire.com/news-releases/automatic-partners-with-meridianlink-to-revolutionize-lender-dealership-connectivity-302331536.html SOURCE Automatic Best trending stories from the week. Success! An email has been sent to with a link to confirm list signup. Error! There was an error processing your request. You may occasionally receive promotions exclusive discounted subscription offers from the Roswell Daily Record. Feel free to cancel any time via the unsubscribe link in the newsletter you received. You can also control your newsletter options via your user dashboard by signing in.DALLAS (AP) — More than 60 years after President John F. Kennedy was assassinated , conspiracy theories still swirl and any new glimpse into the fateful day of Nov. 22, 1963, in Dallas continues to fascinate . President-elect Donald Trump promised during his reelection campaign that he would declassify all of the remaining government records surrounding the assassination if he returned to office. He made a similar pledge during his first term, but ultimately bended to appeals from the CIA and FBI to keep some documents withheld. At this point, only a few thousand of the millions of governmental records related to the assassination have yet to be fully released, and those who have studied the records released so far say that even if the remaining files are declassified, the public shouldn't anticipate any earth-shattering revelations. “Anybody waiting for a smoking gun that’s going to turn this case upside down will be sorely disappointed,” said Gerald Posner, author of “Case Closed,” which concludes that assassin Lee Harvey Oswald acted alone. Friday's 61st anniversary is expected to be marked with a moment of silence at 12:30 p.m. in Dealey Plaza, where Kennedy's motorcade was passing through when he was fatally shot. And throughout this week there have been events marking the anniversary. Nov. 22, 1963 When Air Force One carrying Kennedy and first lady Jacqueline Kennedy touched down in Dallas , they were greeted by a clear sky and enthusiastic crowds. With a reelection campaign on the horizon the next year, they had gone to Texas on political fence-mending trip. But as the motorcade was finishing its parade route downtown, shots rang out from the Texas School Book Depository building. Police arrested 24-year-old Oswald and, two days later, nightclub owner Jack Ruby fatally shot Oswald during a jail transfer. A year after the assassination, the Warren Commission, which President Lyndon B. Johnson established to investigate the assassination, concluded that Oswald acted alone and there was no evidence of a conspiracy. But that hasn't quelled a web of alternative theories over the decades. The collection In the early 1990s, the federal government mandated that all assassination-related documents be housed in a single collection in the National Archives and Records Administration. The collection of over 5 million records was required to be opened by 2017, barring any exemptions designated by the president. Trump, who took office for his first term in 2017, had boasted that he'd allow the release of all of the remaining records but ended up holding some back because of what he called the potential harm to national security. And while files have continued to be released during President Joe Biden's administration, some still remain unseen. The documents released over the last few years offer details on the way intelligence services operated at the time, and include CIA cables and memos discussing visits by Oswald to the Soviet and Cuban embassies during a trip to Mexico City just weeks before the assassination. The former Marine had previously defected to the Soviet Union before returning home to Texas. Mark S. Zaid, a national security attorney in Washington, said what's been released so far has contributed to the understanding of the time period, giving “a great picture” of what was happening during the Cold War and the activities of the CIA. Withheld files Posner estimates that there are still about 3,000 to 4,000 documents in the collection that haven’t yet been fully released. Of those documents, some are still completely redacted while others just have small redactions, like someone's Social Security number. There are about 500 documents where all the information is redacted, Posner said, and those include Oswald's and Ruby’s tax returns. “If you have been following it, as I have and others have, you sort of are zeroed in on the pages you think might provide some additional information for history,” Posner said. Trump's transition team hasn’t responded to questions this week about his plans when he takes office. A continued fascination From the start, there were those who believed there had to be more to the story than just Oswald acting alone, said Stephen Fagin, curator of the Sixth Floor Museum at Dealey Plaza, which tells the story of the assassination from the building where Oswald made his sniper's perch. “People want to make sense of this and they want to find the solution that fits the crime," said Fagin, who said that while there are lingering questions, law enforcement made “a pretty compelling case” against Oswald. Larry J. Sabato, director of the University of Virginia Center for Politics, said his interest in the assassination dates back to the event itself, when he was a child. “It just seemed so fantastical that one very disturbed individual could end up pulling off the crime of the century," Sabato said. “But the more I studied it, the more I realized that is a very possible, maybe even probable in my view, hypothesis.”

DALLAS (AP) — More than 60 years after President John F. Kennedy was assassinated , conspiracy theories still swirl and any new glimpse into the fateful day of Nov. 22, 1963, in Dallas continues to fascinate . President-elect Donald Trump promised during his reelection campaign that he would declassify all of the remaining government records surrounding the assassination if he returned to office. He made a similar pledge during his first term, but ultimately bended to appeals from the CIA and FBI to keep some documents withheld. At this point, only a few thousand of the millions of governmental records related to the assassination have yet to be fully released, and those who have studied the records released so far say that even if the remaining files are declassified, the public shouldn't anticipate any earth-shattering revelations. “Anybody waiting for a smoking gun that’s going to turn this case upside down will be sorely disappointed,” said Gerald Posner, author of “Case Closed,” which concludes that assassin Lee Harvey Oswald acted alone. Friday's 61st anniversary is expected to be marked with a moment of silence at 12:30 p.m. in Dealey Plaza, where Kennedy's motorcade was passing through when he was fatally shot. And throughout this week there have been events marking the anniversary. When Air Force One carrying Kennedy and first lady Jacqueline Kennedy touched down in Dallas , they were greeted by a clear sky and enthusiastic crowds. With a reelection campaign on the horizon the next year, they had gone to Texas on political fence-mending trip. But as the motorcade was finishing its parade route downtown, shots rang out from the Texas School Book Depository building. Police arrested 24-year-old Oswald and, two days later, nightclub owner Jack Ruby fatally shot Oswald during a jail transfer. A year after the assassination, the Warren Commission, which President Lyndon B. Johnson established to investigate the assassination, concluded that Oswald acted alone and there was no evidence of a conspiracy. But that hasn't quelled a web of alternative theories over the decades. In the early 1990s, the federal government mandated that all assassination-related documents be housed in a single collection in the National Archives and Records Administration. The collection of over 5 million records was required to be opened by 2017, barring any exemptions designated by the president. Trump, who took office for his first term in 2017, had boasted that he'd allow the release of all of the remaining records but ended up holding some back because of what he called the potential harm to national security. And while files have continued to be released during President Joe Biden's administration, some still remain unseen. The documents released over the last few years offer details on the way intelligence services operated at the time, and include CIA cables and memos discussing visits by Oswald to the Soviet and Cuban embassies during a trip to Mexico City just weeks before the assassination. The former Marine had previously defected to the Soviet Union before returning home to Texas. Mark S. Zaid, a national security attorney in Washington, said what's been released so far has contributed to the understanding of the time period, giving “a great picture” of what was happening during the Cold War and the activities of the CIA. Posner estimates that there are still about 3,000 to 4,000 documents in the collection that haven’t yet been fully released. Of those documents, some are still completely redacted while others just have small redactions, like someone's Social Security number. There are about 500 documents where all the information is redacted, Posner said, and those include Oswald's and Ruby’s tax returns. “If you have been following it, as I have and others have, you sort of are zeroed in on the pages you think might provide some additional information for history,” Posner said. Trump's transition team hasn’t responded to questions this week about his plans when he takes office. From the start, there were those who believed there had to be more to the story than just Oswald acting alone, said Stephen Fagin, curator of the Sixth Floor Museum at Dealey Plaza, which tells the story of the assassination from the building where Oswald made his sniper's perch. “People want to make sense of this and they want to find the solution that fits the crime," said Fagin, who said that while there are lingering questions, law enforcement made “a pretty compelling case” against Oswald. Larry J. Sabato, director of the University of Virginia Center for Politics, said his interest in the assassination dates back to the event itself, when he was a child. “It just seemed so fantastical that one very disturbed individual could end up pulling off the crime of the century," Sabato said. “But the more I studied it, the more I realized that is a very possible, maybe even probable in my view, hypothesis.”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.

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LISBON, Portugal (AP) — Arsenal defender Gabriel kept Viktor Gyokeres quiet — then had the audacity to steal the in-demand Sporting Lisbon striker's trademark goal celebration. After heading in Arsenal's third first-half goal in the Champions League on Tuesday, Gabriel linked the fingers of his hands and placed them over his eyes, before laughing with his teammates. It was most likely a dig at Gyokeres, the Sweden striker who has quickly become one of European soccer's hottest properties . That is how Gyokeres celebrates his goals — and he has scored plenty of those this season. Gyokeres has scored 24 goals for Sporting in all competitions and was coming off netting four for Sweden in a Nations League match against Azerbaijan. Earlier in the first half, Gabriel had enjoyed tackling and dispossessing Gyokeres near the Arsenal area — waving both his arms in a gesture to the crowd. Gabriel's goal made it 3-0 to Arsenal at halftime and the English team went on to win 5-1, with Gyokeres failing to score. He did hit the post with a shot late in the game, however — after Gabriel had gone off with an injury. AP soccer: https://apnews.com/hub/soccer

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 | Crazy cleaning fees have pushed once-loyal Airbnb travelers back to hotels Business | OpenAI whistleblower found dead in San Francisco apartment Business | Tech review: Earbuds and phones for those on your holiday list Business | The year in money: inflation eased, optimism ticked upward Business | Nearly half of US teens are online ‘constantly,’ Pew report finds 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. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

Gabriel mimics Gyokeres in cheeky goal celebration in Arsenal win over Sporting in Champions LeagueLosing to older brother John Harbaugh and seeing the Los Angeles Chargers' four-game winning streak snapped Monday night might be the least of Jim Harbaugh's problems this week. The Chargers are holding their breath that running back J.K. Dobbins isn't seriously hurt after he left with a knee injury late in the first half of the Chargers’ 30-23 loss to the Baltimore Ravens . Harbaugh, who dislikes discussing injuries and eschews questions about any player's status with the tried and true “I'm not a doctor” answer, will get plenty of inquiries about Dobbins' health this week. After injuries derailed Dobbins' four years with the Ravens, the 2020 second-round pick decided to bet on himself by signing only a one-year deal with the Chargers. Though the first 10 1/2 games, the bet appeared to be paying off. Dobbins had 40 yards on six carries when he was wrenched backward by linebacker Malik Harrison and then gang-tackled on a play for no gain on third-and-1 at the 50-yard line. Dobbins is fourth in the AFC in rushing with 766 yards and averages 4.8 yards per carry, third highest among AFC backs with at least 100 carries. He has been considered among the candidates for AP Comeback Player of the Year after suffering a torn Achilles tendon in last season’s opener. Dobbins' production throughout the season has made the offense more balanced. Los Angeles had 14 rushes for 68 yards before he was injured. They had seven carries for 15 yards the rest of the game. Without Dobbins and a 14-13 deficit at halftime, the Chargers tried to count on Justin Herbert and the passing game to rally back. Herbert was 11 for 22 for 125 yards and sacked three times in the five drives after Dobbins' departure and didn't get back into the end zone until Gus Edwards' 1-yard run with 46 seconds remaining. Edwards will be counted on to be the lead back if Dobbins has to miss games. Edwards missed four games during the middle of the season because of an ankle injury and has 25 carries for 93 yards in three games since returning to the lineup. Hassan Haskins and rookie Kimani Vidal will be counted on to provide depth. “Obviously, I’m hoping J.K. is OK. Gus has been an awesome addition, being able to run and go and get some yards,” Herbert said. "We just got to stay with it. I think that offensive line has done a great job all year. It didn’t go our way today, but we’re going to keep pounding the ball and keep getting after it.” Dobbins' injury also could not come at a worse time for the Chargers. They are 7-4 and hold the sixth seed in the AFC, but have tough upcoming tests against playoff contenders Atlanta, Tampa Bay and Denver the next three weeks. What’s working Herbert on the run. Herbert has at four scrambles of at least 12 yards in the past five games and got his second rushing touchdown of the season on the opening drive with a 5-yard carry up the middle. What needs help Not giving up big-play touchdowns. Rashod Bateman's 40-yard touchdown late in the second quarter (which would have been pass interference on Kristian Fulton if it wasn't completed) marked the third straight game the Chargers allowed a passing TD of at least 40 yards. They had allowed only two in the first nine games. Stock up LB Joey Bosa had four tackles, his most since he had seven in Week 1 against the Raiders. Bosa missed three games earlier in the season because of a hip injury, but had only two tackles in the four games since his return until Monday night. Stock down WR Quentin Johnston is the second Chargers receiver since 2009 to be targeted at least five times and not have a catch according to Sportradar. Travis Benjamin also had five targets and no receptions against the Jets in 2017. Besides being held without a catch, Johnston had two critical drops during the second half. Injuries In addition to Dobbins, CB Eli Apple suffered a hamstring injury in the first half and did not return. CB Cam Hart was inactive because of an ankle injury and was in a walking boot. LB Denzel Perryman (groin) and TE Hayden Hurst (hip) were also inactive because of injuries. Key numbers 57 — Points allowed by the Chargers in the past two games. They had given up 68 in their first five games after their bye week. 73 — Games it took for Herbert to reach 1,800 completions, tying him with Kansas City's Patrick Mahomes as the fastest players in NFL history to reach that mark. 6 — Games where Daiyan Henley has had double-digit tackles. The second-year linebacker had 10 tackles (four solo) on Monday night. What’s next The Chargers will make their second trip in three years to Atlanta on Sunday. They won the 2022 meeting in Week 9 when Cameron Dicker hit a 37-yard field goal on the last play of the game. Los Angeles is 2-0 against the NFC South this season and has a four-game winning streak against teams in the division. AP NFL: https://apnews.com/hub/NFLAs Americans are beyond burned out, Tricia Hersey’s Nap Ministry preaches the right to rest

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NEW YORK, Nov. 21, 2024 (GLOBE NEWSWIRE) -- SL Green Realty Corp. (NYSE:SLG), New York’s largest owner of office properties, today announced that it closed on the sale of an 11.0% interest in One Vanderbilt Avenue to Mori Building Co., Ltd, Japan’s leading urban landscape developer. The investment was completed at a gross valuation of $4.7 billion for the iconic property. After completion of the transaction, SLG maintains a 60.0% stake in One Vanderbilt Avenue. “One Vanderbilt is a globally-renowned and architecturally celebrated modern development, which has continued to demonstrate that well-located, highly amenitized and sustainable buildings will attract premier tenants and prestigious investors,” said Marc Holliday, Chairman and CEO of SL Green Realty Corp . “We are honored to welcome Mori Building Co., Ltd. into the ownership venture of One Vanderbilt Avenue.” “We are excited about joining the ownership venture of One Vanderbilt Avenue, a modern landmark in Manhattan, and the relationship with SL Green who have long contributed to making NYC an attractive city,” said Shingo Tsuji, President and CEO of Mori Building Co., Ltd. Standing 1,401 feet tall and defining the Midtown skyline, award-winning and internationally recognized One Vanderbilt is the new headquarters for many of the world’s leading finance, technology, law and real estate firms. The 1.7 million-square-foot skyscraper is 100 percent leased and offers an unparalleled combination of amenities, innovative office design, state-of-the-art technology, the highest level of sustainability and healthy workplace environment together with direct connection to Grand Central Terminal. One Vanderbilt is home to the world-renowned immersive observation experience, SUMMIT One Vanderbilt, and two Michelin-starred restaurants from Daniel Boulud. About SL Green Realty Corp. SL Green Realty Corp., Manhattan's largest office landlord, is a fully integrated real estate investment trust, or REIT, that is focused primarily on acquiring, managing and maximizing the value of Manhattan commercial properties. As of September 30, 2024, SL Green held interests in 55 buildings totaling 31.8 million square feet. This included ownership interests in 28.1 million square feet of Manhattan buildings and 2.8 million square feet securing debt and preferred equity investments. About Mori Building Co., Ltd. Mori Building is an innovative urban developer based in Tokyo. The company is focused in increasing the magnetic power of cities by creating and nurturing safe, sustainable urban centers, based on its unique Vertical Garden City concept of high-rise, multifunctional developments for business, learning, leisure, and residence in midst of lush greenery. The concept is manifested in the company’s many leading-edge projects including Roppongi Hills, Toranomon Hills, and Azabudai Hills in Tokyo, Shanghai World Financial Center and Jakarta MORI Tower. Mori Building is also engaged in real estate leasing, project management, and consultation. Please visit www.mori.co.jp/en PRESS CONTACT slgreen@berlinrosen.com SLG-A&DTOMS RIVER, N.J. (AP) — Gov. Phil Murphy has asked the Biden administration to put more resources into an investigation of mysterious drone sightings that have been reported in New Jersey and nearby states. Murphy, a Democrat, made the request in a letter Thursday, noting that state and local law enforcement remain “hamstrung” by existing laws and policies in their efforts to successfully counteract any nefarious activity of unmanned aircraft. He posted a copy of the letter on the social media platform X . “This leaves action surrounding the (drones) squarely on the shoulders of the federal government,” Murphy said. “More federal resources are needed to understand what is behind this activity.” Murphy and other officials have repeatedly stressed that there is no evidence that the aircraft pose a national security or a public safety threat, or have a foreign nexus. The Pentagon also has said they are not U.S. military drones. The drones have drawn intense public concern and curiosity since residents first reported seeing them last month. Assemblywoman Dawn Fantasia said from four to 180 aircraft have been reported to authorities since Nov. 18, appearing from dusk till 11 p.m. The flying objects have been spotted near the Picatinny Arsenal, a U.S. military research and manufacturing facility, and over President-elect Donald Trump’s golf course in Bedminster, but the number of reported sightings has grown greatly since then. Drones were also spotted in Pennsylvania, New York, Connecticut and other parts of the Mid-Atlantic region. The FBI, Federal Aviation Administration and other state and federal agencies involved in the investigation have not corroborated any of the reported sightings with electronic detection, and reviews of available images appear to show many of the reported drones are actually manned aircraft. They also say there have been no confirmed sightings in restricted air space. It’s also possible that a single drone has been seen and reported more than once, officials said. Some federal lawmakers have called on the military to “shoot down” the drones. The drones also appear to avoid detection by traditional methods such as helicopter and radio, according to a state lawmaker who was briefed by the Department of Homeland Security. In one case, a medevac helicopter was unable to pick up a seriously injured car accident victim in Branchburg Township in Somerset County late last month due to drones hovering near the planned landing zone, according to NJ.com. The FAA said Thursday that it does not have a report on this incident. Drones are legal in New Jersey for recreational and commercial use but are subject to local and FAA regulations and flight restrictions. Operators must be FAA certified. Witnesses say the drones they think they have seen in New Jersey appear to be larger than those typically used by hobbyists.

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Headwaters joins vets program Headwaters Hospice and Palliative Care in Helena announces its membership in the We Honor Veterans program, a partnership that reflects the organization’s mission and values as a locally and veteran-owned provider. Headwaters Hospice joins a coalition of Department of Veterans Affairs facilities, community hospices and other organizations to delivering end-of-life care to the nation’s veterans. This partnership strengthens connections with VA facilities, ensures the unique needs of veterans are met, and advocates for equitable access for care. It also addresses distinct challenges veterans may face, such as the lasting effects of military service, post-traumatic stress or limited awareness of available benefits. As a locally and veteran-owned organization, this partnership holds both personal and professional significance. Headwaters Hospice has leadership and staff members who are veterans themselves. Headwaters Hospice aims to expand educational outreach, collaborate with veterans’ organizations and provide resources that empower veterans and their families to make informed end-of-life care decisions. The organization’s motto, “By Montanans and For Montanans,” takes on even greater meaning through this initiative. For more information, visit . Visionary touts Whitehall project Visionary Broadband said efforts to bring high-speed fiber internet to Whitehall are underway through the ConnectMT program. Wyoming-based Visionary said a similar service was provided to Hardin. These projects, funded in part by federal Capital Projects Fund grants, address a longstanding need in communities that have been underserved due to economic and geographic challenges. Visionary Broadband said its efforts underscore the company's mission to connect hard-to-reach communities with reliable, high-speed internet and a larger commitment to delivering broadband to communities that have been overlooked by other providers due to geographic or economic challenges. Whitehall Mayor Mary Hensleigh praised the project. “For years, families and businesses in Whitehall have faced challenges keeping up with advancing technology — whether it’s connecting to video meetings for work or streaming movies at home. Now, thanks to this partnership, we are part of the digital future. This project will drive economic opportunities and improve the quality of life for everyone in our community,” she said. “We’ve always believed that no matter how small or remote a community is, it deserves access to the same opportunities as any other,” Visionary Broadband CEO Brian Worthen said in a news release. The fiber network will support gigabit-speed connections. Water judge hopefuls apply The following candidates have applied for the position of associate water judge for the Montana Water Court: Public comment is now open on the appointment. The applications may be viewed through a link available at: Comments will be accepted until 5 p.m. Jan. 10. The Montana Water Court, located in Bozeman, was created by the 1979 Montana Legislature. The court has exclusive jurisdiction over the adjudication of all water rights claims in Montana. The associate water judge is appointed by the chief justice of the Montana Supreme Court. This judgeship is not subject to general election. Public comment must be submitted via e-mail to The appointed judge is subject to Senate confirmation during the 2025 legislative session.

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