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fb777 001 cc EAGAN, Minn. (AP) — The game had suddenly gone sideways for the Minnesota Vikings , their 11-point lead on the Chicago Bears having evaporated in the closing seconds. They straightened it out in overtime, no sweat, because Sam Darnold simply hasn't been fazed. Save for his occasional rash of turnovers, in games the Vikings still managed to win, Darnold proved again on Sunday in defeating the Bears that he's directing a passing attack with the potential to be one of the NFL 's most potent. “I think he’s a mentally tough guy. I think he’s a physically tough guy. I think he’s confident in the guys around him, and I think he’s confident in our system,” coach Kevin O'Connell said after the 30-27 victory. “I think when he just continues to play quarterback at a high level, I think we’re a tough team.” After the defense forced the Bears to punt on the opening possession of overtime, Darnold led the Vikings on a 68-yard drive to set up the game-ending field goal while overcoming a 7-yard sack on the first play and two subsequent setbacks with a false start and a holding penalty. On third-and-10 from the 21, he hit Jordan Addison near the sideline for 13 yards. On first-and-15 from the 29, Darnold threaded a throw to Justin Jefferson for 20 yards after he'd muscled his way through Bears cornerback Jaylon Johnson on a post route for the clutch catch after he'd been all but silenced all afternoon by a defense determined to constantly bracket him with double coverage. On second-and-11 from the 48, Darnold connected with a wide-open T.J. Hockenson underneath for 12 yards. Then two plays later off a second-and-8 play-action fake, he found Hockenson again on a deep corner route for 29 yards to put Parker Romo in prime position for the walk-off winner. “Just execute. It’s as simple as that. Just one play at a time," said Darnold, who went 22 for 34 for 330 yards and two touchdowns without a turnover. “I think I tell the guys that every single time in the huddle, but that’s my mindset every single time I’m out there on the field, especially in that situation.” Even when Jefferson continues to draw an extraordinary amount of coverage , the Vikings with Addison, Hockenson, Aaron Jones and the rest of their crew running O'Connell's system have proven they have an offense that can go win a game when it's required. That wouldn't be possible without Darnold, whose career rebirth has helped spark the Vikings (9-2) become one of the league's biggest surprises in what's now its most difficult division. “He’s cool, calm, collected,” Hockenson said. "That’s what you want as the leader of the huddle.” The Vikings' defense ranks ninth in the league on third downs, allowing a conversion rate of 34.5% after limiting the Bears to a 6-for-17 performance. The Vikings are tied for first on fourth downs with an allowance of 36.4% after the Bears went 2 for 3. Both conversions came in the fourth quarter during touchdown drives. The Vikings also rank fourth in the NFL in opponent points per drive (1.52). The Vikings had seven possessions that crossed the 20-yard line in Chicago, but only three of them yielded touchdowns. Their lone turnover was the type of game-altering giveaways they've struggled to eliminate this month, a fumble by Aaron Jones at the 1-yard line that ruined a promising first drive. The Vikings are tied for 20th in the league in red zone touchdown rate (53.9%) and are 17th in goal-to-go touchdowns (72%). Addison had eight catches for 162 yards, both career highs, and a touchdown on nine throws from Darnold. The second-year wide receiver has had a quieter season than his rookie year, but he stepped up in a significant way on an afternoon when Jefferson was as smothered by the opposing secondary as ever. TE Johnny Mundt had the onside kick glance off his shin as he charged toward the coverage, and the first kicking team recovery in the NFL this season helped the Bears extend the game. Mundt also had the false start on the overtime drive. His lone catch was a 7-yard gain when he was stopped short of the goal line, one play before the lost fumble. Mundt played 33 of 71 snaps and Hockenson took 48 snaps with Oliver out. The Vikings lost LT Cam Robinson (foot) and LB Ivan Pace (hamstring) to injuries in the first quarter against the Bears, and O'Connell said on Monday those players were still in "evaluation mode." Oliver (ankle) will have an opportunity to return after being sidelined last week. 101.7 — Darnold's passer rating, which ranks ninth in the NFL. Darnold has posted a 100-plus passer rating in nine of 11 games this season. He had only 12 such performances in 56 career starts before joining the Vikings. The Vikings have four of their next five games at home, starting with Arizona (6-5) this week, Atlanta (6-5) on Dec. 8 and a rematch with Chicago (4-7) in a Monday night game on Dec. 16. AP NFL: https://apnews.com/hub/NFL

Trump's return and the future of Korea-India tiesOne dead, three hurt in apartment collapse in The HagueVikings staying on track and in control behind Sam Darnold's composure and confidence

Fourteen years ago, Don Spicer opened a Twitter account. It was a useful tool in in his professional life. “When I was with public safety, I would engage with citizens,” said Spicer, a retired police officer who worked in media relations. Spicer also used Twitter to follow local news, but he eventually became less active on the social media platform, which was renamed X in 2023. “Over the last year or so I guess, it was getting increasingly negative, and I like to surround myself with more positivity,” said Spicer, who last week left X and switched to Bluesky, a platform that is new to the social media world and is now exploding in global popularity. “I found much of the content I went to Twitter for is starting to show up there, and I’m seeing more local flavour, and it’s more respectful.” Bluesky is billed as a platform where users can create custom content feeds, and control what they see while avoiding what they don't want to see. “We're always focused a lot on trust and safety, making sure that users have an ability to have an experience that's, you know, free from bots and harassment and spam,” said Bluesky CEO Jay Graber. Previous competitors have tried and failed to take a bite out of Twitter/X. Technology analyst Carmi Levy said it appears Bluesky has legitimate growth momentum in the U.S. and elsewhere, and could be a significant threat to X. "We are seeing some reports of about 100,000 accounts closing per day on X and we are seeing numbers from Bluesky, that traffic is up 500 per cent and they have doubled their size in the past two months,” said Levy. “They've just hit 21 million followers." The trends Levy cited are worldwide. No data specific to Canada was available, so information available to analysts is focused on global activity. According to Levy, the last two weeks have seen the largest exodus from X since Elon Musk purchased Twitter in 2023. Levy suggested Musk himself has also turned off some X users. “Elon Musk essentially used X as a giant megaphone for his views and those who follow his views essentially amplified that as well," said Levy. It should be noted, as Bluesky grows, X remains a very popular social media giant, with more than 500 million active accounts. Bluesky’s audience remains relatively small in comparison, The Associated Press reported last week. Digital anthropologist Giles Crouch told CTV National News that X’s future will come down to one thing. "Is it too big to fail? Absolutely not. The big judge of all this, as it is with any technology, is culture." Crouch said X will have to change some of its online negativity if it hopes to stop the recent exodus. "Twitter or X can survive, but it may become shell of itself," said Crouch, who added if that were to happen, it could lead to even more of an opportunity for Bluesky to continue to attract new members who are leaving X in large numbers.Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | 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 Business | WBUR is canceling Radio Boston after layoffs at NPR station: ‘Big change is coming’ 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.