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Monsanto added six rebounds for the Roadrunners (6-5). Sky Wicks scored 20 points while shooting 8 for 12, including 4 for 7 from beyond the arc and added eight rebounds and three steals. Amir "Primo" Spears shot 5 of 10 from the field, including 1 for 5 from 3-point range, and went 5 for 6 from the line to finish with 16 points. Domonique Wilkins and Orlando Gooden each scored 19 points for Southwestern Adventist. Jason Garcia had 13 points, four assists and two steals. Monsanto led his team in scoring with 16 points in the first half to help put them up 61-24 at the break. UTSA extended its lead to 87-38 during the second half, fueled by a 13-3 scoring run. Wicks scored a team-high 10 points in the second half. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .
Article content Canada’s dysfunctional Parliament has all but shut down as the Conservatives have, quite rightly, filibustered over the Liberals’ refusal to release documents regarding a so-called “green slush fund.” Recommended Videos In September, MPs from the Conservative, Bloc Quebecois and NDP demanded documentation regarding Sustainable Development Technology Canada, a now-defunct federally-funded arm’s length body that gave taxpayer money to new green companies. Conservative House leader Andrew Scheer asked Speaker Greg Fergus to rule the Liberals in contempt of Parliament for not responding to that request, as they are formally required to do. There’s a precedent for this in what happened in the Ontario Legislature in 2012. Former Ontario Premier Dalton McGuinty had a minority government and was ordered by a committee of the Legislature to produce documents relating to the costs of cancelling two gas-fired generating plants. Opposition politicians questioned the Liberals’ estimate of $230 million to cancel the two plants and requested “all correspondence” relating to the controversial cancellations. McGuinty’s Energy Minister, Chris Bentley, refused to do that, citing commercial confidentiality. (The provincial auditor later said the cancellations cost about $1 billion.) Ontario Speaker Dave Levac, a Liberal, acted with integrity. Like all good Speakers, when he donned the tricorn hat, he was unafraid to rule against his own party. The rights of Parliament are greater than the rights of any party. Levac ruled there was a prima facie case of contempt. At the height of the dispute, McGuinty shut down the Legislature and resigned. Bentley resigned later that year. Parliaments that follow the Westminster model are governed by precedent. Fergus also sided with the Opposition parties. “The House has clearly ordered the production of certain documents, and that order has clearly not been fully complied with. The Chair cannot come to any conclusion but to find that a prima facie question of privilege has been established,” Fergus wrote in his decision. The Opposition parties are correct in demanding the Liberals obey the will of Parliament. Fergus should give the Liberals one more opportunity to produce the documents. If they fail, he must bring down the hammer and declare them in contempt. Prime Minister Justin Trudeau should look to McGuinty’s precedent, and either resign or call an election. To do otherwise is an insult to Parliament and the people it represents.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 | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | Army and Navy team up for hypersonic missile launch from Cape Canaveral Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Bank groups sue the Consumer Financial Protection Bureau over a proposed cap on overdraft fees Business | HOA Homefront: Can our board meet in secret? 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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Modern Studio to Debut at Mobile World Congress 2025 NEW YORK, Dec. 17, 2024 (GLOBE NEWSWIRE) -- Questex's Fierce Network , a mega portal designed to meet the needs of decision makers throughout the global communications industry, today announces the launch of FNTV , a groundbreaking video platform poised to reshape how the industry consumes news, insights, and analysis. "We're on the brink of the next great global revolution in the communications industry. Technologies like cloud, AI, automation, orchestration, predictive analytics and 5G Advanced are changing the world in real time - re-inventing industries, creating new business opportunities, and transforming life for the planet's population. It's about time our dynamic global industry had a source of video news and analysis that does justice to its strategic importance,” said Kevin Gray, Vice President and Market Leader for Experiential Technology at Questex. What FNTV Delivers From exclusive trade show coverage and social media reels to compelling short-form documentaries, FNTV is redefining B2B marketing through engaging, strategic video content. Each segment is meticulously crafted to attract high-quality audiences, maximizing viewership and delivering actionable insights to decision-makers. At the heart of FNTV's operations is a modern studio, debuting on the Mobile World Congress 2025 show floor . This cutting-edge facility will serve as the epicenter for dynamic live broadcasts, high-profile interviews, and interactive events, including quizzes and competitions, designed to captivate both in-person attendees and a global virtual audience. Meet the Team Behind FNTV Anchoring FNTV's coverage is Stephen M. Saunders, MBE , the visionary founder of Fierce Network and Light Reading, and a leading expert in communications innovation. Production is led by Marty Sole , a BAFTA-winning television producer and director, ensuring every video meets the highest standards of storytelling and engagement. Why FNTV is a Game-Changer FNTV is the first trade news service to base its content strategy on comprehensive data analysis of B2B video consumption by executive decision-makers. This approach ensures short-form videos resonate with target audiences and drive repeat viewership. Amplified across platforms like X (formerly Twitter) , YouTube , and LinkedIn , FNTV offers timely, impactful content that empowers industry leaders to stay competitive and shape the future of communications. "FNTV was built for professionals who demand more than news-they need insights and solutions,” added Elizabeth Coyne, Fierce Network Editor-In-Chief at Questex. "Our platform goes beyond reporting to provide tools that help decision-makers thrive during this extraordinary time of transformation.” Explore FNTV at Mobile World Congress 2025 Find out how your brand can be part of the action at MWC by exploring premier FNTV event sponsorships. Contact Scott Gruntorad at [email protected] and Steven M Saunders at [email protected] to learn more about showcasing your innovations to a global audience. Discover FNTV today and experience the future of video-driven insights. Visit FNTV for more information. About Fierce Network The global communications, enterprise and cloud networking and infrastructure industries is converging as the separation between wireless, wireline and cloud ceases to exist while the world's operators shift toward cloud-native, intelligent, automated networks driven by artificial intelligence. Fierce Network is tracking this sea change by delivering a mega portal of hard-hitting industry news and analysis, designed to meet the needs of today's decision makers. Fierce Network covers artificial intelligence (AI), automation, fixed and mobile broadband, cloud infrastructure, application modernization, security and more to help readers analyze the day's news and show them what they need to know and why they need to know it. Fierce Network also produces special reports that take stock of the industry's services and finances and shed light on industry trends. To learn more, visit https://www.fierce-network.com . About Questex Questex helps people live better and longer. Questex brings people together in the markets that help people live better : hospitality and wellness; the industries that help people live longer : life science and healthcare; and the technologies that enable and fuel these new experiences . We live in the experience economy - connecting our ecosystem through live events, surrounded by data insights and digital communities. We deliver experience and real results. It happens here. Media Contact Charlene Soucy Fierce Network [email protected]Amazon sneakily dropped early Black Friday deals: here's what's selling out fast
