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harga ocean magical 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. 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.

When the snow is falling and hot chocolate is piping, few activities are more refreshing and relaxing than plopping down on the couch and turning on the television. Some will watch live Christmas events from Rockefeller Center, while others will tune into a bowl game. But if you’re of a certain age, you clearly remember the excitement when Nickelodeon began to roll out its litany of timeless Christmas specials. From Kenan & Kel in the 1990s to Danny Phantom in the late 2000s, Nickelodeon has entered the pantheon of networks that have consistently rolled out classic holiday specials. While Nickelodeon’s legacy is cemented, the ranking of its best holiday season episodes is and will always be hotly contested. Not to start a debate at the holiday dinner table, but here are the 10 best classic Nickelodeon holiday specials. Show: Keenan & Kel Air Date: December 14, 1996 Kel ( Kel Mitchell ) loves orange soda and Kenan ( Kenan Thompson ) loves Christmas. He spends the entire year saving money to buy a new bike and takes an extra job as Santa at the mall to help get the last few dollars he needs. However, his plans are derailed when he comes across a brother and sister who dream of a great Christmas filled with presents that their mother can’t afford. In a selfless mood, Kenan uses the money he makes as Santa to surprise the kids and their mom with presents. Kenan’s upset that he didn’t get the bike he wanted, but he knows he did the right thing and Santa rewards him with a bike of his own. As with many Nickelodeon holiday specials, Kenan’s act of giving underscores the importance of family, friends, community, and giving throughout the holiday season. Show: Invader Zim Air Date: December 10, 2002 Name two more idiotically entertaining rivals than Zim ( Richard Steven Horvitz ) and Dib (Andy Berman). I’ll wait. While I wait, also figure out why Dib’s dad, Professor Membrane ( Rodger Bumpass ), named him Dib. Anyway, Zim and Dib’s rivalry takes center stage when Zim learns about the lure of Santa, kidnaps a man dressed up in a Santa suit and drains his brain. Normal holiday festivities, right? Once Zim drains the man’s brain and learns more about the lure of Santa, he devises a plan to build a Santa suit and convince all of humankind that he’s worthy of following and giving their undying devotion too. For the most part, it works and Zim is close to bringing all of human kind to the Tallest in order to extend his rule. However, Dib intervenes and garners the support of his sister, Gaz (Melissa Fahn), and his father, Professor Membrane, and stops Zim before he’s able to fully takeover. Overall, it’s a pretty weird storyline for a kid’s show during the holiday season, but Invader Zim is at its best when it’s weird. Show: Rocko’s Modern Life Air Date: December 1, 1994 Rocko ( Carlos Alazraqui ) is a better person than most because his grace throughout this Christmas special is unmatched. For nearly the entire episode, Rocko works to put together beautiful holiday decorations and host a lovely holiday party. Instead, his friends treat him poorly, other characters bully him, and no one except a magic elf shows up to his party. The elf works his magic and creates a memorable snowfall around Rocko’s house and Rocko’s house only. When the blizzard leaves a perfect amount of snow and holiday cheer around his house, Rocko’s friends show up at his front door to apologize and make the most of the holiday party. Rocko, being the kind soul he is, lets them in and thanks them for coming. Show: iCarly Air Date: December 13, 2008 Timmy Turner ( Tara Strong ) isn’t the only character in the Nickelodeon multiverse to have their dreams come true during the holiday season. When Carly’s brother, Spencer ( Jerry Trainor ), builds an electromagnet Christmas tree that sets fire to holiday gifts, Carly ( Miranda Cosgrove ) wishes that her brother was a bit more normal. However, things aren’t as great as Carly hoped they’d be. Spencer becomes a “normal” lawyer dating Ms. Benson (Mary Scheer) while Freddie ( Nathan Kress ) no longer has a crush on Carly, and Sam ( Jennette McCurdy ) is in a juvenile detention center. Most shockingly, Carly, Spencer, and Freddie were never friends in this alternate universe and never launched a webcast. The weirdness of the episode pays off in the end because Carly realizes what we’ve always known: her life is pretty great as is. Show: As Told by Ginger Air Date: December 10, 2001 As Told by Ginger is one of the most underrated series in the Nickelodeon catalog for various reasons, including its humor and ability to reach both young and older audiences. Case in point, the show’s “Even Steven” holiday special is immaculate. In the tertiary plot, Ginger (Melissa Disney) discovers that her grandfather is Jewish and immediately pivots from celebrating Christmas to celebrating Hanukkah. Her shift from Christmas to Hanukkah happens so quickly that it causes a rift between her and Dodie (Aspen Miller) because Ginger refuses to go to Dodie’s Christmas party and hosts her own instead. Splitting the room down the middle, half of Ginger’s party is devoted to celebrating Hanukkah, and the other half is adorned with Christmas decorations. Meanwhile, Hoodsie ( Tress MacNeille) is writing letters to Santa, asking him to give him rhythm for Christmas. Yes, you read that correctly. He genuinely asked Santa for rhythm, the ability to dance on beat. When Ginger’s brother, Carl (Jeannie Elias), finds Hoodsie begging Santa for rhythm, he not only makes fun of him, but also declares that Santa isn’t real. As a result, Carl spends the remainder of the episode attempting to prove that Santa is real. Through this effort, he learns that Carl is not a fan of the holiday season because he routinely asked Santa to bring his father home for Christmas as a kid, and his dad rarely stopped by on the holidays. With this information, Hoodsie runs up to a man dressed as Santa on the street and asks him to bring Hoodsie’s Dad home for Christmas. Little does Hoodsie know, the man dressed up as Santa is Carl’s dad. In the end, Carl’s dad visits him for Christmas, and while they’re talking in the driveway, a fire starts inside as Ginger is hosting her holiday party. Carl’s dad runs in, puts out the fire, and saves the day, making Ginger realize that the most important part of the holidays is being surrounded by family and friends. And no, Carl does not get rhythm. Show: The Fairly OddParents Air Date: December 12, 2001 Clichés may be annoying, but they’ve stood the test of time for a reason. However, when an elder said, “Be careful what you wish for,” Timmy Turner clearly wasn’t listening. Instead, he had to learn the hard way when he told Wanda (Susanne Blakeslee) and Cosmo ( Daran Norris ) that he’d like it to be Christmas every day. In his head, there’d never be school, and he’d get presents every time he woke up. Conversely, Wanda and Cosmo are magically depleted, his parents can’t work, and the other holidays become envious of Santa Claus. As a result, Timmy must make a trip up to the North Pole all alone. Tough luck for a kid who can literally wish for whatever he wants every other day of the year already. Show: Drake & Josh Air Date: December 5, 2008 Give a little girl named Mary Alice the best Christmas ever, or go back to jail. That’s essentially the plot of “Merry Christmas, Drake and Josh.” Drake ( Drake Bell ) desperately wants to host a party on the rooftop of Josh’s workplace, Premier Theater. To the surprise of just about everyone, Josh’s boss agrees to let Drake host the party as long as he volunteers to dress up as Santa for kids in the mall. Drake agrees, but things go haywire when a woman tries to kiss him, and he runs away. While hiding, he runs into a little girl named Mary Alice ( Bailee Madison ) and promises to give her the best Christmas ever. Drake finishes his shift as Santa and gets to host the party after all, but it’s cut short when a few uninvited guests show up, and Josh ( Josh Peck ) calls the police. However, there’s a mixup when the police arrive and Josh gets arrested. Being the good stepbrother he is, Drake tries to break Josh out of jail. Unfortunately, Drake gets arrested, too. When Drake and Josh get to speak to a judge, they explain that they need to get out to fulfill Drake’s promises to Mary Alice. The judge releases them, but warns that they will be brought back if they do not give Mary Alice the best Christmas ever. No pressure, right? Show: Rugrats Air Date: December 6, 1992 It may not seem like it, but there is not much of a difference between The Boondocks ‘ Huey Freeman ( Regina King ) and the children of Rugrats . Huey chases Santa around the mall with a BB gun, screaming, “You gon’ pay what you owe.” Meanwhile, Tommy ( Elizabeth Daily ), Chuckie (Christine Cavanaugh), and the crew are setting dangerous traps for Santa , so they can question him about his character. “The Santa Experience” kicks off at the mall where Angelica (Cheryl Chase) bum rushes the line to see Santa and tells Mr. Claus how much she needs a dream dollhouse for Cynthia. While Mr. Claus pushed her away, mall staff gave her a box of free toys to apologize for Santa rightfully pushing her away. Even with the free presents, Angelica is ungrateful and doesn’t want them. Meanwhile, Tommy and Chuckie are debating whether or not Santa is a good person. You know, typical baby stuff, right? Tommy is convinced Santa is a great guy, while Chuckie is, of course, scared of Saint Nick and thinks he’s a bad guy. In the kitchen, the parents are having a relatable conversation about their challenges and struggles, trying to ensure each of their children has a good holiday season. Later, the kids and parents head north to celebrate Christmas in a cabin. There, Chuckie and Tommy set up a booby trap to catch Santa. Much to their disappointment, the trap only manages to catch Stu ( Jack Riley ). Ultimately, everything turns out for the best as Santa just rings the front doorbell and delivers the presents face-to-face. Angelica gets her doll house, Chuckie determines Santa is a good person after all, and the Rugrats get the perfect Christmas. Show: SpongeBob SquarePants Air Date: December 6, 2000 If you ask most fans of SpongeBob SquarePants about Squidward (Rodger Bumpass), most would say he’s closer to being the Grinch than Santa Claus. However, “Christmas Who?” proves otherwise. Spongebob ( Tom Kenny ) visits Sandy ( Carolyn Lawrence ) and finds the proud Texan setting up Christmas decorations around her house. Instead of helping her, Spongebob freaks out because he thinks the lights and decorations have started a fire. It would be nearly impossible to start a fire that far underwater, but I digress. Anyway, Sandy stops him and explains to Spongebob who Santa Claus is and what happens on Christmas. Excited and enchanted, Spongebob shares the story of Christmas and Santa Claus with nearly everyone in Bikini Bottom. As a result, everyone but Squidward sends letters to Santa and spends all night caroling. When Santa doesn’t show up, everyone calls Spongebob a fraud and mocks him, including Squidward. However, Spongebob turns Squidward’s heart from coal to gold when he gives him a handcrafted clarinet for Christmas so that he won’t go without a gift. In return, Squidward dresses up as Santa and surprises Spongebob, who is delighted, and wishes him a merry Christmas. Squidward didn’t account for all of the other citizens of Bikini Bottom spotting him and asking for gifts. Instead of ruining the charade, Squidward ends up giving away nearly everything in his home away as a gift. Thankfully, Squidward is rewarded when the real Santa Claus sends a letter thanking Squidward for helping keep the spirit of Christmas alive. Show: Hey Arnold! Air Date: December 11, 1996 “Arnold’s Christmas” is not only the best Nickelodeon late-year holiday special, but it’s arguably one of the best episodes of the entire series. The series revolves around Arnold (Toran Caudell) attempting to pull off a Christmas miracle for his neighbor, Mr. Hyunh (Baoan Coleman). Through this endeavor, much of Mr. Hyunh’s backstory is revealed, including the heartbreaking story of how he and his daughter, Mai (Hiep Thi Le), have been separated for more than 20 years. While Arnold and his best friend, Gerald (Jamil Walker Smith), fall short in their quest to find Mai and reconnect her with Mr. Hyunh, Helga (Francesca Marie Smith) unexpectedly saves the day and gets Mai in touch with her father. Helga never gets the credit for creating this touching reunion, but she will always be remembered for being the driving force behind one of the most touching moments in Nickelodeon history. More Headlines:

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, mother to stars Travis and J , made waves with her appearances in two films this holiday season: A on Call. While fans enjoyed seeing her step into the spotlight, recently revealed that she doesn't plan to pursue acting further for now. Speaking to reporters at the game on November 29, described her debut as "a dream come true." The 72-year-old said filming at , where she has supported her son for over a decade, made the experience even more special. "It was awesome to film in a place that feels like home," she shared. "The team treated me so well, and it was just such a positive environment." Although admitted she was nervous about her first on-camera experience, the cast and crew quickly made her feel at ease. Co-stars and even stayed in touch after production wrapped, exchanging messages and updates. Family reactions and holiday traditions revealed that her biggest fans have been her grandchildren, who repeatedly watched her scenes. "They kept saying, 'Play it back, play it back. We want to see ,'" she said, laughing. As for her sons, confirmed that she and Travis don't share acting advice. "We leave each other alone on that front," she joked. "He does his thing, I do mine, and we both stay authentic." Looking ahead to the holidays, the Kelce family has their traditions locked in. plans to visit family in , where they'll pick out and decorate a tree together. In addition to enjoying time with her grandchildren, also looks forward to baking her signature cookies, pies, and rolls. What's next for Donna Kelce? When asked about returning to acting, remained noncommittal. "You never know, but for now, it was enough," she said. "I had a great time, and that's what matters most." Fans of can catch its next airing on Wednesday, December 4, at 8 p.m. ET on , followed by on Call at 10 p.m. ET.New law could help California renters facing eviction stay in their homes

OWINGS MILLS, Md. (AP) — Asked if there was any special meaning to playing on Christmas for a second straight season, Lamar Jackson paused for several seconds before answering. That said it all. “I mean, it is,” he finally replied, trying to be diplomatic. “That means we're good, but at the same time, I do want to celebrate at home sometimes with my family now. I don't want to be playing on Christmas all the time — not all the time.” That sentiment seemed common among the Baltimore Ravens players this week as they prepared for their second consecutive Christmas road game. Jackson and his teammates will face the Houston Texans on Wednesday. Earlier in the day, the Kansas City Chiefs play at Pittsburgh. Games on Christmas aren't new to the NFL. The Miami Dolphins famously beat the Chiefs in a playoff game on Dec. 25, 1971 — a double-overtime classic that still holds the record for the NFL's longest game. In 2020, New Orleans running back Alvin Kamara tied an NFL record with six touchdowns in a game when the Saints beat Minnesota on Christmas. Lately, however, the league has been much more aggressive about scheduling games on Christmas. There were three last year on a Monday, and this week there are two. The four teams in action this Wednesday all played this past Saturday, giving them a little more time to prepare. But each is still wrapping up a stretch of three games in 11 games. And for Baltimore and Kansas City — the teams spending the holiday on the road — this means a bit of a scramble to find time to celebrate with loved ones. “Santa hasn’t come yet, but as far as my family, we traded gifts (over the weekend),” Kansas City quarterback Patrick Mahomes said. “(His wife) Brittany’s a champ because I’m not there to help build the toys my family got, and the kids have opened up every single one of them.” The Chiefs are playing on Christmas for a second year in a row, although they were at home last season. Baltimore tackle Ronnie Stanley said there is an offensive line Christmas party planned for Friday at center Tyler Linderbaum's house. Jackson’s plan is to celebrate on Thursday. “I already celebrated Christmas with my family this past week," Ravens safety Kyle Hamilton said. "It’s more about the thought of calling people Christmas morning and just going out there and being able to go out in front of my whole family and do what I love. That’s how I’ll celebrate.” The Ravens also have celebrated a bit as a group already. “We actually had a team dinner last night here, which was really neat. And our chefs were incredible (with) what they put out there, so that was fun,” coach John Harbaugh said Monday. "And we are going to have the ability for family members from the Houston area to come over for the team snack after we do a walkthrough (Tuesday) night.” Don't expect Christmas games to go away any time soon. Netflix agreed to a three-year contract in May to carry Christmas Day games. Playing on the holiday certainly gives teams a chance to be in the spotlight, although the Chiefs and Ravens already get plenty of that. The Ravens-Texans game features a halftime performance by Beyoncé. “Wasn't there a time when somebody was out peeking outside the locker room door during the Super Bowl or something like that? Was there some story on that?” Harbaugh said. “He got in trouble for it? There will be big trouble. I like Beyoncé, though. I can't say I'm a huge Beyoncé fan, but I think I like her.” (Harbaugh was referring to Bengals kicker Evan McPherson during the Super Bowl in 2022 when he watched Dr. Dre, Snoop Dogg, Eminem, Mary J. Blige and Kendrick Lamar perform at halftime in Los Angeles.) Jackson, seemingly unaware of Harbaugh's attempt to lay down the law about the halftime show, arrived at the microphone immediately after the coach. “I'm going to go out there and watch,” the star quarterback said. “First time seeing Beyoncé perform, and it's at our game — that's dope. I'm going to go out and watch. Sorry Harbaugh, sorry fellas.” AP NFL: https://apnews.com/hub/nfl

Iranian authorities have officially lifted the ban on WhatsApp and the Google Play Store, signalling a significant shift in the country's internet restrictions, the Islamic Republic News Agency (IRNA) reported. The decision, which comes after a meeting with top government officials, marks a new phase in the easing of internet blockades that have restricted access to major global platforms for some time. On Tuesday, a meeting was convened with the participation of heads of all three branches of government, ministers, and members of the Supreme Council, where discussions focused on reviewing and adjusting policies surrounding internet governance and restrictions. Following the presentation of assessments from relevant authorities, the council approved changes to the existing internet restrictions. Sattar Hashemi, Iran's Minister of Information and Communications Technology, later took to X (formerly Twitter) to announce the development, stating, "Today, we took the first step towards lifting internet restrictions with unity and collaboration. I extend my gratitude to the President, media, and activists for their efforts. We need this solidarity more than ever. This path continues." The move to lift the ban aligns with the Iranian government's broader approach to managing its digital landscape, emphasising the importance of regulated cyberspace governance while also stressing the need to support domestic platforms, reported the IRNA. The lifting of internet restrictions was one of the key promises made by President Masoud Pezeshkian during his presidential campaign, and this decision marks an early fulfilment of that commitment. However, despite the progress, the government has emphasised that its approach will continue to prioritise the development and use of local platforms alongside the reintroduction of global services like WhatsApp and Google Play, the IRNA reported. As these changes unfold, the broader impact on both local businesses and individual users is still to be fully assessed, but the easing of restrictions is a significant step forward for internet freedom in Iran. (Except for the headline, this story has not been edited by NDTV staff and is published from a syndicated feed.)Tarar for 'acceptable to all' AI regulatory framework

ArcelorMittal Poland in Krakow focuses on hydrogen Linde Gaz Polska, in cooperation with ArcelorMittal Poland, will build a hydrogen production plant on the premises of the Krakow branch, which will supply process gas to two galvanizing plants. The total investment will exceed PLN 100 million. The Kraków smelter will be able to use hydrogen as early as the end of 2026. Since 2018, ArcelorMittal Poland has not used coal as a fuel in its Kraków branch, and since July this year it has not produced coke here. – Our installations: the hot rolling mill and the cold rolling mill, as well as the galvanising and sheet metal painting lines, currently operate exclusively on the basis of natural gas – explains Łukasz Skorupa, COO Flat Products and Quality and director of the Krakow branch. adds The project with Linde, on the other hand, is to ensure a reliable supply of hydrogen for our galvanizing plants. We are increasingly focusing on hydrogen” The plant will be built near the galvanizing plant, producing hydrogen from natural gas. The investment has already begun, and design work is currently underway. In addition to hydrogen fuel for galvanizing plants, the Krakow branch of ArcelorMittal Poland will also gain another environmental effect – it will completely eliminate ammonia from the process, which will increase the level of process safety of the plants , CEO of ArcelorMittal Poland says We are constantly improving the quality of our products, expanding their product range, and at the same time gradually reducing our environmental impact” Hence the elimination of ammonia and the transition to hydrogen. The decarbonization of our company is not only about activities in the area of steel production, but also in the processing part” he concludes. , CEO of Linde Gaz Polska says READ the latest news shaping the hydrogen market at ArcelorMittal Poland in Krakow focuses on hydrogen, Rio Tinto and GravitHy join forces to accelerate the decarbonisation of steelmaking in Europe LONDON–(BUSINESS WIRE)–Rio Tinto has entered into definitive agreements with GravitHy, an early-stage industrial... GreenIron signs major delivery agreement with Norwegian Hydrogen GreenIron is about to start operations at its green metals production plant in Sandviken, Sweden, utilizing its patented zero-emissions technology with... Blastr Green Steel and Knauf Interfer to collaborate on supplying ultra-low CO2 steel in Europe Blastr Green Steel (Blastr) has entered a Memorandum of Understanding with Knauf Interfer, a leading European metal...Former Boise State coach Chris Petersen still gets asked about the Fiesta Bowl victory over Oklahoma on the first day of 2007. That game had everything. Underdog Boise State took a 28-10 lead over one of college football's blue bloods that was followed by a 25-point Sooners run capped by what could have been a back-breaking interception return for a touchdown with 1:02 left. Then the Broncos used three trick plays that remain sensations to not only force overtime but win 43-42. And then there was the marriage proposal by Boise State running back Ian Johnson — shortly after scoring the winning two-point play — to cheerleader Chrissy Popadics that was accepted on national TV. That game put Broncos football on the national map for most fans, but looking back 18 years later, Petersen sees it differently. “Everybody wants to talk about that Oklahoma Fiesta Bowl game, which is great how it all worked out and all those things,” Petersen said. “But we go back to play TCU (three years later) again on the big stage. It's not as flashy a game, but to me, that was an even better win.” Going back to the Fiesta Bowl and winning, Petersen reasoned, showed the Broncos weren't a splash soon to fade away, that there was something longer lasting and more substantive happening on the famed blue turf. The winning has continued with few interruptions. No. 8 and third-seeded Boise State is preparing for another trip to the Fiesta Bowl, this time in a playoff quarterfinal against No. 5 and sixth-seeded Penn State on New Year's Eve. That success has continued through a series of coaches, though with a lot more of a common thread than readily apparent. Dirk Koetter was hired from Oregon, where Petersen was the wide receivers coach. Not only did Koetter bring Petersen with him from Oregon, Petersen introduced him to Dan Hawkins, who also was hired for the staff. So the transition from Koetter to Hawkins to Petersen ensured at least some level of consistency. Koetter and Hawkins engineered double-digit victory seasons five times over a six-year span that led to power-conference jobs. Koetter went to Arizona State after three seasons and Hawkins to Colorado after five. Then when Petersen became the coach after the 2005 season, he led Boise State to double-digit wins his first seven seasons and made bowls all eight years. He resisted the temptation to leave for a power-conference program until Washington lured him away toward the end of the 2013 season. Then former Boise State quarterback and offensive coordinator Bryan Harsin took over and posted five double-digit victory seasons over his first six years. After going 5-2 during the COVID-shortened 2020 season, he left for Auburn. “They just needed consistency of leadership,” said Koetter, who is back as Boise State's offensive coordinator. “This program had always won at the junior-college level, the Division II level, the I-AA (now FCS) level.” But Koetter referred to “an unfortunate chain of events” that made Boise State a reclamation project when he took over in 1998. Coach Pokey Allen led Boise State to the Division I-AA national championship game in 1994, but was diagnosed with cancer two days later. He died on Dec. 30, 1996, at 53. Allen coached the final two games that season, Boise State's first in Division I-A (now FBS). Houston Nutt became the coach in 1997, went 4-7 and headed to Arkansas. Then Koetter took over. “One coach dies and the other wasn't the right fit for this program,” Koetter said. “Was a really good coach, did a lot of good things, but just wasn't a good fit for here.” But because of Boise State's success at the lower levels, Koetter said the program was set up for success. “As Boise State has risen up the conference food chain, they’ve pretty much always been at the top from a player talent standpoint,” Koetter said. “So it was fairly clear if we got things headed in the right direction and did a good job recruiting, we would be able to win within our conference for sure.” Success didn't take long. He went 6-5 in 1998 and then won 10 games each of the following two seasons. Hawkins built on that winning and Petersen took it to another level. But there is one season, really one game, no really one half that still bugs Petersen. He thought his best team was in 2010, one that entered that late-November game at Nevada ranked No. 3 and had a legitimate chance to play for the national championship. The Colin Kaepernick-led Wolf Pack won 34-31. “I think the best team that I might've been a part of as the head coach was the team that lost one game to Nevada,” Petersen said. "That team, to me, played one poor half of football on offense the entire season. We were winning by a bunch at half (24-7) and we came out and did nothing on offense in the second half and still had a chance to win. “That team would've done some damage.” There aren't any what-ifs with this season's Boise State team. The Broncos are in the field of the first 12-team playoff, representing the Group of Five as its highest-ranked conference champion. That got Boise State a bye into the quarterfinals. Spencer Danielson has restored the championship-level play after taking over as the interim coach late last season during a rare downturn that led to Andy Avalos' dismissal . Danielson received the job full time after leading Boise State to the Mountain West championship . Now the Broncos are 12-1 with their only defeat to top-ranked and No. 1 seed Oregon on a last-second field goal . Running back Ashton Jeanty also was the runner-up to the Heisman Trophy . “Boise State has been built on the backs of years and years of success way before I got here,” Danielson said. "So even this season is not because of me. It’s because the group of young men wanted to leave a legacy, be different. We haven’t been to the Fiesta Bowl in a decade. They said in January, ‘We’re going to get that done.’ They went to work.” As was the case with Danielson, Petersen and Koetter said attracting top talent is the primary reason Boise State has succeeded all these years. Winning, obviously, is the driving force, and with more entry points to the playoffs, the Broncos could make opportunities to keep returning to the postseason a selling point. But there's also something about the blue carpet. Petersen said he didn't get what it was about when he arrived as an assistant coach, and there was some talk about replacing it with more conventional green grass. A poll in the Idaho Statesman was completely against that idea, and Petersen has come to appreciate what that field means to the program. “It's a cumulative period of time where young kids see big-time games when they're in seventh and eighth and ninth and 10th grade and go, ‘Oh, I know that blue turf. I want to go there,’” Petersen said. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football

As hundreds of millions of Americans get ready to celebrate Thanksgiving with a huge feast, park managers are warning budding chefs not to brine their turkey in Great Salt Lake. The admonition came after workers in the Utah park found someone's bird that had floated off, apparently while they were trying to tenderize it ahead of Thursday's festivities. "Just your annual reminder not to use Great Salt Lake to brine your turkey," Great Salt Lake state park wrote on its social media feed this week. "Not only is the salinity too high for a proper brine, the waves can be very strong and there's a good chance you could lose the entire turkey as this person did." The post was accompanied by a photo of a bird's carcass -- still bafflingly wrapped in its store-bought packaging -- and covered with bits of grass and muck. Great Salt Lake is one of the largest landlocked bodies of salt water in the world. Human activity is putting an enormous stress on the lake, which is a vital tourist draw for the region. In 2022, water levels in Great Salt Lake plummeted to their lowest on record due to a combination of overconsumption by the farming and mining sectors, and a two-decade drought. The water became so salty that brine shrimp, a major source of income for the local economy, began to die. hg/amz/st

QAMISHLI, Syria: The Kurdish-led Syrian Democratic Forces said Tuesday they have launched a counter-offensive against the Ankara-backed Syrian National Army to take back areas near Syria’s northern border with Turkiye. The SDF is Washington’s critical ally in Syria, targeting sleeper cells of the extremist Daesh group scattered across the country’s east. Since the fall of the totalitarian rule of Bashar Assad earlier this month, clashes have intensified between the US-backed group and the SNA, which captured the key city of Manbij and the areas surrounding it. The intense weekslong clashes come at a time when Syria, battered by over a decade of war and economic misery, negotiates its political future following half a century under the Assad dynasty’s rule. Ruken Jamal, spokesperson of the Women’s Protection Unit, or YPJ, under the SDF, told The Associated Press that their fighters are just over seven miles away from the center of Manbij in their ongoing counter-offensive. She accused Ankara of trying to weaken the group’s influence in negotiations over Syria’s political future through the SNA, “Syria is now in a new phase, and discussions are underway about the future of the country,” Jamal said. “Turkiye is trying, through its attacks, to distract us with battles and exclude us from the negotiations in Damascus.” The Britain-based opposition war monitor, the Syrian Observatory for Human Rights, says since the SNA’s offensive in northern Syria against the Kurds started earlier this month, dozens from both sides have been killed. Ankara sees the SDF as an affiliate of its sworn enemy, the Kurdistan Workers’ Party, or PKK, which it classifies as a terrorist organization. Turkish-backed armed groups alongside Turkish jets for years have attacked positions where the SDF are largely present across northern Syria, in a bid to create a buffer zone free from the group along the large shared border. While the SNA was involved in the lightning insurgency — led by the Islamist group Hayat Tahrir Al-Sham — that toppled Assad, it has continued its push against the SDF, seen as Syria’s second key actor for its political future. On Monday, the SDF spokesperson Farhad Shami said the group’s forces pushed back the Turkish-backed rebels from areas near the Tishrin Dam on the Euphrates, a key source of hydroelectric power. He said the SDF also destroyed a tank belonging to the rebels southeast of Manbij. The British-based war monitor said on Tuesday that the Kurdish-led group, following overnight fighting, has reclaimed four villages in the areas near the strategic dam. Turkish jets also pounded the strategic border town of Kobani in recent days. During Syria’s uprising-turned-conflict, the Kurds carved out an enclave of autonomous rule across northeastern Syria, never fully allying entirely with Assad in Damascus nor the rebels trying to overthrow him. Even with the Assad family out of the picture, it appears that Ankara’s position won’t change, with Turkish Foreign Minister Hakan Fidan’s landmark visit to Syria maintaining a strong position on the Kurdish-led group in his meeting with de facto leader Ahmad Al-Sharaa of HTS. “It has turned the region into a cauldron of terror with PKK members and far-left groups who have come from Turkiye, Iraq, Iran and Europe,” Fidan said in a news conference after the meeting. “The international community is turning a blind eye to this lawlessness because of the wardenship it provides (against Daesh).” With the ongoing fighting, SDF Commander Mazloum Abdi has expressed concern about a strong Daesh resurgence due to the power vacuum in Syria and the ongoing fighting, which has left the Kurdish-led group unable to carry out its attacks and raids on the extremist group’s scattered sleeper cells. Tens of thousands of children, family members, and supporters of Daesh militants are still held in large detention centers in northeastern Syria, in areas under SDF control.Daniel Penny , a military veteran who choked an agitated New York subway rider and was acquitted of homicide this week, has been invited by Vice President-elect JD Vance to join Donald Trump 's suite at the Army-Navy football game on Saturday. The Marine veteran was cleared of criminally negligent homicide in Jordan Neely 's 2023 death . A more serious manslaughter charge was dismissed last week. Vance said Penny, 26, accepted his invitation to join the president-elect and him at the game. Daniel's a good guy, and New York's mob district attorney tried to ruin his life for having a backbone," Vance said in a post on X. "I'm grateful he accepted my invitation and hope he's able to have fun and appreciate how much his fellow citizens admire his courage." The case sparked national debate, with some hailing Penny as a hero for attempting to subdue a man he considered a menace to public safety and others seeing him as a white vigilante who choked a Black man to death. Political figures on the right have defended Penny since he was charged for the death in May 2023. Entrepreneur Vivek Ramaswamy, who ran for the GOP presidential nomination and was tapped by Trump last month to lead an effort along with billionaire Elon Musk to cut government spending, donated money to his legal defense fund. Others, like city councilman Yusef Salaam, who was among the wrongfully convicted Central Park Five, called the verdict “a searing indictment” of “systemic failures.” “His killing underscores the urgent and overdue need for a complete overhaul in how we address mental health crises and homelessness,” Salaam said. After the acquittal, Penny gave an extensive interview to Fox News and declared he's "not a confrontational person." He told the network that he wouldn't have been able to live with "the guilt I would have felt if someone did get hurt, if he did do what he was threatening to do." "I'll take a million court appearances and people calling me names and people hating me, just to keep one of those people from getting hurt or killed," Penny said. Trump has not referred to the case publicly recently, but last year he told The Messenger that he thought Penny and other people on the subway were "in great danger." Some New Yorkers protested the trial outcome this week, holding signs and chanting Jordan Neely's name in a Manhattan square. Vance, who served in the Marine Corps, including in Iraq, said this week that "justice was done in this case" and Penny never should have been prosecuted. Neely's death also divided the city as residents grapple with how to respond to mental health crises threatening public safety. Passengers said Neely hadn't touched anyone but had expressed willingness to die, go to jail or even to kill. The former street performer was homeless, had schizophrenia and had synthetic marijuana in his system. He had been convicted of assaulting people at subway stations. - Additional reporting by AP.

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NoneNigeria Football Federation President Ibrahim Gusau has promised increased support for women’s football in the country, including plans to mandate Nigeria Premier Football League clubs to establish female teams, following the Super Falcons’ impressive showing in their 2-1 loss to France, PUNCH Sports Extra reports. Speaking after the Falcons’ game against Les Bleues in Angers, Gusau expressed delight at the team’s performance despite missing key players like Asisat Oshoala, Rasheedat Ajibade, Oluwatosin Demehin, and Deborah Abiodun. “We promise Nigeria that anytime we have an international window, we’ll try and see how we can organise a grade A match. This happened to be one of them and you saw the discovery of some of our home girls that we are introducing to the game and they performed extremely well,” Gusau said. The Falcons, under interim coach Justin Madugu, showed remarkable resilience against a full-strength French side, with Ifeoma Onumonu scoring Nigeria’s consolation goal after Eugenie Le Sommer and Amel Majri had given the hosts a two-goal advantage. “I must say I am highly delighted and happy by the performance of the girls and by the grace of God, we will continue to give them all the support they need going to the WAFCON in Morocco,” Gusau added. Related News WAFU B: Gusau hails Flying Eagles’ improvement, confident of triumph NFF decries dearth of good pitches in Nigeria NFF boss decries stadium conditions for Grade A matches The NFF boss revealed plans to revolutionise women’s football in Nigeria through a new policy requiring NPFL clubs to establish women’s teams. “We need to do more to invest in our female football and we are going to come out with a policy to see how we can make it possible for each of our local clubs to see how they can have a female counterpart team because that is the trend that is going on all over the world,” he stated. The proposed policy aims to follow global trends in women’s football development, with Gusau emphasising its importance for talent exposure. “That is the only way we can improve our female football. All our NPFL clubs introduce their female counterpart, and then I think we are going to see a lot of these young girls being exposed to the world,” Gusau added. The Falcons’ performance against France, despite missing several regular starters, has boosted optimism about the team’s potential ahead of the 2025 Women’s Africa Cup of Nations in Morocco, where they will aim to reclaim their continental crown.