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online casino login 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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Buried landforms reveal North Sea's ancient glacial pastAustralian pace spearhead Josh Hazlewood was cleared of injury Friday and will return for the third Test against India at the expense of Scott Boland as play gets underway on Saturday. Watch every ball of Australia v India LIVE & ad-break free during play in 4K on Kayo | New to Kayo? Get your first month for just $1. Limited time offer. MATCH CENTRE: Latest scores, updates from Australia vs India 3rd Test While there are no other changes for Australia’s starting side in Brisbane, there is more uncertainty surrounding how India’s batting line-up could look like, especially after a press conference no-show. India are determined to post a big first innings total at Brisbane, batsman Shubman Gill said Friday after they were skittled cheaply in Adelaide. The visitors were dismissed for just 180 in the second day-night Test after winning the toss and opting to bat, with the hosts then compiling 337. India made only 175 in their second knock, leaving Australia a meagre 19 to win. “As a team, as a batting group we are looking to post a big total first up,” said number three Gill. “That’s been one of the key discussions. Every batsman will have their own game plan, but as a group collectively we will try to get a big first innings score.” In the wake of the Adelaide defeat, which left the five-Test series poised at 1-1, skipper Rohit Sharma was critical of the batting, including his own poor form. “That is the disappointing part, that we didn’t bat well enough,” he said at the time. “Probably were 30-40 runs short with the bat in the first innings.” Rohit, who missed the first Test in Perth, came in at number six in Adelaide, with Yashasvi Jaiswal and KL Rahul retained at the top. There has been talk that he could revert to opener in Brisbane, but he failed to front the traditional pre-match captain’s press conference to discuss the issue. Asked why Rohit was a no-show, Gill alluded to training on Friday being optional and not compulsory. “I think he practised enough,” he said. Pace spearhead Jasprit Bumrah has been carrying a minor groin injury picked up in Adelaide, but trained on Thursday and is expected to be fit. Whether India keep faith with young seamer Harshit Rana remains to be seen. He failed to get a wicket in the second Test and Akash Deep is a potential replacement. Despite being thrashed by 10 wickets in Adelaide, Gill remains optimistic about their Brisbane chances. “We’ve won the last few series (against Australia),” he said. “So there’s no fear. Perhaps if we hadn’t won, maybe.” - AFP WHAT IS THE WEATHER FORECAST? Of course, there is a chance both teams may have to wait until Sunday for the third Test to get underway, with showers and a possible thunderstorm forecast for Brisbane on Saturday. The Bureau of Meteorology is forecasting between zero and 15 millimetres of rain, with a “high chance” of showers, most likely in the morning and afternoon. LIVE BLOG Follow all the action from the third Test in our live blog below! Can’t see it? Click here!

This was one bear-y cute snowfall. Twin giant pandas were caught on camera experiencing snow falling for the first time. Rui Bao and Hui Bao, 1-year-old siblings who made history last summer as the first twin giant panda cubs born in South Korea, can be seen adorably playing together as the flakes fall around them. The female toddlers, born in July at Everland theme park and resort in Yongin, were kept indoors last winter, so are making up for lost time amid historic amounts of snow in the country. Rui and Hui’s names were chosen through a public contest — and mean “wise treasure” and “shiny treasure,” respectively, according to Korea.net . When they turned six months old , the pair, who had only made appearances on social media, was unveiled to the public for the first time. “They are even cuter in real life than they appear on screen,“ Lee Da-young told The Sun on the day the pandas made their public debut. For their first birthday, the park even threw them a party, inviting 60 of their biggest fans and streaming the event on its YouTube page, as per Korea JoongAng Daily. With Post WiresBy Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .Winter is rapidly approaching, meaning it's prime growing season for hearty root vegetables. One of our favorites is the humble sweet potato. These tasty tubers are delicious, easy to prepare, and can be . You can even incorporate them into desserts or sweet potato pie. If you're heading to the store, you should definitely pick some up, but when you get home, where should you keep them? First of all, save your fridge space. Sweet potatoes don't belong in the refrigerator. Instead, they do best when stored in a cool spot out of direct sunlight. A dark pantry with a stable temperature between 55 to 60 degrees Fahrenheit is ideal. You'll want to keep your potatoes in a breathable container or an open basket. Trapping them in a plastic bag will only encourage condensation and potential mold growth. Feel free to leave sweet potatoes on the counter out of the sun but make sure to use them sooner rather than later, since they can dry out and shrivel when left in warmer environments. Freezing raw sweet potatoes has some benefits Though the freezer isn't a recommended place to store your sweet potatoes long-term, you can freeze them for around three hours or until solid before you put them in the oven to bake. Pre-freezing before baking is actually , but just note that your cooking time will be longer. Putting the potatoes in the freezer pushes out excess moisture, intensifying the flavor as natural enzymes in the potato are converted into sugar. This is a great trick for making sweet potato casserole, where you want a bolder flavor without having to add any extra ingredients. However, while you don't need to freeze or refrigerate raw sweet potatoes, cooked sweet potatoes are a different matter. You know, to avoid giving yourself food poisoning and all. Don't worry, it's pretty simple. Once your potatoes are cooked and cooled put them in an airtight container, like Tupperware or a zipping plastic bag, and pop them in the fridge. It's recommended you eat cooked sweet potatoes within five days. Make sure you don't leave cooked foods out for more than two hours as this can encourage bacteria to grow. Recommended

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Manchester United criticised over ‘offensive’ price increase for match ticketsLarson Financial Group LLC grew its stake in Ambarella, Inc. ( NASDAQ:AMBA – Free Report ) by 6,014.3% in the 3rd quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor owned 856 shares of the semiconductor company’s stock after purchasing an additional 842 shares during the quarter. Larson Financial Group LLC’s holdings in Ambarella were worth $48,000 at the end of the most recent quarter. Several other institutional investors and hedge funds have also recently modified their holdings of AMBA. Algert Global LLC increased its position in shares of Ambarella by 76.2% during the third quarter. Algert Global LLC now owns 94,999 shares of the semiconductor company’s stock valued at $5,358,000 after buying an additional 41,094 shares during the period. Charles Schwab Investment Management Inc. grew its holdings in shares of Ambarella by 1.2% during the 3rd quarter. Charles Schwab Investment Management Inc. now owns 320,319 shares of the semiconductor company’s stock worth $18,068,000 after acquiring an additional 3,700 shares during the period. Intech Investment Management LLC purchased a new position in shares of Ambarella during the 3rd quarter worth approximately $722,000. Connor Clark & Lunn Investment Management Ltd. raised its position in shares of Ambarella by 18.9% in the 3rd quarter. Connor Clark & Lunn Investment Management Ltd. now owns 226,502 shares of the semiconductor company’s stock worth $12,776,000 after acquiring an additional 35,977 shares in the last quarter. Finally, KBC Group NV lifted its stake in shares of Ambarella by 1.3% in the 3rd quarter. KBC Group NV now owns 41,835 shares of the semiconductor company’s stock valued at $2,360,000 after purchasing an additional 525 shares during the period. 82.09% of the stock is owned by hedge funds and other institutional investors. Insider Activity at Ambarella In other Ambarella news, CEO Feng-Ming Wang sold 4,382 shares of the business’s stock in a transaction on Wednesday, September 4th. The shares were sold at an average price of $56.02, for a total transaction of $245,479.64. Following the completion of the sale, the chief executive officer now directly owns 803,574 shares in the company, valued at approximately $45,016,215.48. The trade was a 0.54 % decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink . Also, VP Yun-Lung Chen sold 5,963 shares of the firm’s stock in a transaction on Tuesday, September 3rd. The stock was sold at an average price of $57.56, for a total value of $343,230.28. Following the completion of the transaction, the vice president now owns 62,026 shares in the company, valued at approximately $3,570,216.56. This trade represents a 8.77 % decrease in their ownership of the stock. The disclosure for this sale can be found here . Insiders have sold a total of 24,423 shares of company stock worth $1,356,402 over the last quarter. Company insiders own 5.70% of the company’s stock. Ambarella Trading Down 1.2 % Ambarella ( NASDAQ:AMBA – Get Free Report ) last posted its earnings results on Tuesday, August 27th. The semiconductor company reported ($0.13) earnings per share (EPS) for the quarter, beating the consensus estimate of ($0.19) by $0.06. Ambarella had a negative net margin of 62.38% and a negative return on equity of 23.52%. The business had revenue of $63.70 million for the quarter, compared to analysts’ expectations of $62.10 million. During the same quarter in the prior year, the business earned ($0.76) EPS. The business’s revenue for the quarter was up 2.6% compared to the same quarter last year. As a group, research analysts forecast that Ambarella, Inc. will post -3 EPS for the current year. Analyst Upgrades and Downgrades Several equities research analysts recently weighed in on AMBA shares. Susquehanna upped their price target on Ambarella from $70.00 to $85.00 and gave the stock a “positive” rating in a research note on Wednesday. Roth Mkm reiterated a “neutral” rating and issued a $60.00 price target on shares of Ambarella in a research note on Wednesday, August 28th. Northland Securities reissued an “outperform” rating and set a $95.00 price target (up from $75.00) on shares of Ambarella in a research report on Wednesday. Rosenblatt Securities restated a “buy” rating and issued a $85.00 price objective on shares of Ambarella in a report on Friday, August 23rd. Finally, Stifel Nicolaus lifted their target price on shares of Ambarella from $80.00 to $95.00 and gave the company a “buy” rating in a report on Wednesday. Two investment analysts have rated the stock with a sell rating, three have given a hold rating and eight have issued a buy rating to the stock. According to data from MarketBeat.com, Ambarella currently has an average rating of “Hold” and an average price target of $81.67. Read Our Latest Stock Report on Ambarella Ambarella Profile ( Free Report ) Ambarella, Inc develops semiconductor solutions that enable high-definition (HD) and ultra HD compression, image signal processing, and artificial intelligence processing worldwide. The company's system-on-a-chip designs integrated HD video processing, image processing, artificial intelligence computer vision algorithms, audio processing, and system functions onto a single chip for delivering video and image quality, differentiated functionality, and low power consumption. Featured Articles Want to see what other hedge funds are holding AMBA? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Ambarella, Inc. ( NASDAQ:AMBA – Free Report ). Receive News & Ratings for Ambarella Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Ambarella and related companies with MarketBeat.com's FREE daily email newsletter .

(The Center Square) – Although it remains unclear how many Democratic Senators will vote for the 2025 National Defense Authorization Act, some House members in the party have explained why they voted yes, despite a controversial provision restricting military-funded transgender surgeries for minors. The nearly $900 billion bill passed the House 281-140 Wednesday, with 200 Republicans and 81 Democrats voting in favor versus 124 Democrats and 16 Republicans voting against it. Most of the NDAA consists of bipartisan agreements, such as pay raises for service members, strengthened ties with U.S. allies, and funding of new military technology. But a critical point of contention is a Republican addition that would prohibit the military’s health program from covering any gender dysphoria treatments on minors that could "result in sterilization.” The must-pass bill is so critical that nearly 40% of House Democrats voted in favor–but not without expressing their disappointment. Rep. Chrissy Houlahan, D-Pa., condemned Republican colleagues who, she said, “chose to sully this bill with political culture wars;” nevertheless, she voted in favor. “While it doesn't address everything we asked for and consider important, including the full ability of parents to make their own decisions about healthcare for their children, it marks a rare moment of productive bipartisan agreement on what is arguably the most crucial legislation we take up as a body each year,” Houlahan said. The bill’s provision does not forbid service members’ children from receiving transgender therapy. It forbids the military’s health insurance provider, TRICARE, from covering treatments on minors that “may result in sterilization.” Reps. Greg Landsman, D-Ohio, and Terri Sewell, D-Ala., also voted in favor of the bill despite their displeasure at the ban. “The NDAA is a hugely important bill. We had to pass it, which is why I voted yes,” Landsman posted on X Friday. “However, the anti-trans language that was attached to it was mean and awful and should never have been included.” “I have serious concerns about some remaining provisions that were placed in the bill for political purposes,” Sewell said Wednesday. “Still, the responsibility to support our service members and provide for our national security is one that I do not take lightly, which is why I ultimately chose to support the bill.” Besides the importance of annual military funding, another reason some House Democrats assented to the legislation is because they were successful in axing other House Republican amendments, such as a plan to eliminate reimbursements for service members who travel to obtain abortions. The Senate is expected to pass the bill within the next few days, after which President Joe Biden is expected to sign it into law.DENVER — Amid renewed interest in the killing of JonBenet Ramsey triggered in part by a new Netflix documentary, police in Boulder, Colorado, refuted assertions this week that there is viable evidence and leads about the 1996 killing of the 6-year-old girl that they are not pursuing. JonBenet Ramsey, who competed in beauty pageants, was found dead in the basement of her family’s home in the college town of Boulder the day after Christmas in 1996. Her body was found several hours after her mother called 911 to say her daughter was missing and a ransom note had been left behind. The details of the crime and video footage of JonBenet competing in pageants propelled the case into one of the highest-profile mysteries in the United States. The police comments came as part of their annual update on the investigation, a month before the 28th anniversary of JonBenet’s killing. Police said they released it a little earlier due to the increased attention on the case, apparently referring to the three-part Netflix series “Cold Case: Who Killed JonBenet Ramsey.” In a video statement, Boulder Police Chief Steve Redfearn said the department welcomes news coverage and documentaries about the killing of JonBenet, who would have been 34 this year, as a way to generate possible new leads. He said the department is committed to solving the case but needs to be careful about what it shares about the investigation to protect a possible future prosecution. “What I can tell you though, is we have thoroughly investigated multiple people as suspects throughout the years and we continue to be open-minded about what occurred as we investigate the tips that come into detectives," he said. The Netflix documentary focuses on the mistakes made by police and the “media circus” surrounding the case. JonBenet was bludgeoned and strangled. Her death was ruled a homicide, but nobody was ever prosecuted. Police were widely criticized for mishandling the early investigation into her death amid speculation that her family was responsible. However, a prosecutor cleared her parents, John and Patsy Ramsey, and brother Burke in 2008 based on new DNA evidence from JonBenet's clothing that pointed to the involvement of an “unexplained third party” in her slaying. The announcement by former district attorney Mary Lacy came two years after Patsy Ramsey died of cancer. Lacy called the Ramseys “victims of this crime.” John Ramsey has continued to speak out for the case to be solved. In 2022, he supported an online petition asking Colorado’s governor to intervene in the investigation by putting an outside agency in charge of DNA testing in the case. In the Netflix documentary, he said he has been advocating for several items that have not been prepared for DNA testing to be tested and for other items to be retested. He said the results should be put through a genealogy database. In recent years, investigators have identified suspects in unsolved cases by comparing DNA profiles from crime scenes and to DNA testing results shared online by people researching their family trees. In 2021, police said in their annual update that DNA hadn’t been ruled out to help solve the case, and in 2022 noted that some evidence could be “consumed” if DNA testing is done on it. Last year, police said they convened a panel of outside experts to review the investigation to give recommendations and determine if updated technologies or forensic testing might produce new leads. In the latest update, Redfearn said that review had ended but that police continue to work through and evaluate a “lengthy list of recommendations” from the panel.TORRINGTON – Jerry Raydenbow, 72, of Torrington, passed away on Nov. 16, 2024. Born in Torrington, he was the son of the late Roy and Shirley Raydenbow. He was the husband of the late Emily Raydenbow, the love of his life. Jerry was a graduate of Oliver Wolcott Technical School. He started his career in the landscape business, followed by various positions in the grocery industry and bartending. Jerry is survived by his daughter and son-in-law, Crystal and Dennis Jennersjo; stepson Tony Hilgar; stepdaughter Tina Miller and her husband John; and daughter Emily. Jerry was an independent, strong-willed man with a great sense of humor. He enjoyed the pleasure of home and the nature that surrounded him, including fishing, splitting wood, and bird watching. His passion above all was gardening. The day-to-day care of his garden brought him much joy. He loved sharing all his vegetables with neighbors and friends. He enjoyed sitting outside with friends in the summer months, sharing conversations about stocks, politics, movies and gardening. His close circle coined him as a great listener and found solace in his advice. He also enjoyed coin and stamp collecting. After embracing technology in his later years, his favorite game quickly became Angry Birds over the traditional poker game. He also loved sharing a great joke or meme. In the words of Frank Sinatra ... “And now, the end is near. And so, I face the final curtain. My friend, I’ll say it clear. I’ll state my case, of which I’m certain ... I’ve lived, a life that’s full ... I did it my way.” Funeral services will be Dec. 14 at 10 a.m. at the chapel at Hillside Cemetery, 76 Walnut St. Friends may call at the chapel from 9 to 10 a.m. In lieu of flowers, please consider a donation to the American Heart Association or the American Cancer Society in honor of Jerry and his late wife, Emily. phalenfuneral.com.

Class Action Announcement For Celsius Holdings, Inc. (CELH): Kessler Topaz Meltzer & Check, LLP Announces That A Securities Class Action Lawsuit Has Been Filed Against Celsius Holdings, Inc.Trump transition says Cabinet picks, appointees were targeted by bomb threats, swatting attacks (copy)