Kicker Greg Zuerlein set to return for Jets, wide receiver Davante Adams optimistic about playingUS CEO slaying suspect charged with murder as ‘act of terrorism’
Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews. I have a 401(k) from an old job, so I asked a financial planner what to do with the funds. Since I'm self-employed, he suggested I put the funds in a traditional IRA or a Roth 401(k). If I had another employer, I could also roll the funds into a 401(k) through my employer. I'm spending quality time before the end of the year combing through my finances to find anything that needs to change or improve. I want to close out 2023 by fixing any lingering money mistakes or to-do list items that I should have taken care of months or years ago. When I was looking through my current retirement fund, I remembered that I had an old 401(k) from a job I was laid off from in 2015. I haven't thought about the money inside that account in years. It's hardly growing, and I haven't contributed to it since I lost that job. Unsure of what to do with the money inside that old 401(k), I chatted with certified financial planner Faron Daugs for advice. Here are three suggestions he shared for anyone who has old retirement funds from previous jobs. Compare Today's Banking Offers 1. Roll your old 401(k) into your current employer's plan While this option doesn't apply to me because I'm self-employed, one route that Daugs suggested is rolling your old 401(k) plan into the 401(k) plan offered by your current employer. People change jobs all the time, so Daugs often sees people who have multiple 401(k) plans with money in each of them. While you could keep these 401(k) plans separate, Daugs said there are small benefits that could come from merging these plans. "Combining your 401(k) plans into one can help you consolidate funds and potentially stop paying extra fees that could be associated with managing two separate 401(k) plans," he said. 2. Roll your old 401(k) into a traditional IRA or Roth 401(k) at an outside custodian If your current employer doesn't offer a retirement contribution plan or you want to take your money out of a 401(k) and put it in a different type of retirement fund, Daugs recommended rolling the money directly into a traditional IRA or Roth 401(k) . A traditional IRA is a retirement account where the money in the account is generally pre-tax and grows tax-deferred. A Roth 401(k) is similar to a Roth IRA and a 401(k), where you make post-tax contributions and earnings inside the account grow tax-free. There are a few benefits of going this route. First, Daugs said that if you had money in an old 401(k) and wanted to use that cash to buy an individual stock that you feel has long-term growth potential, you can do that within a traditional IRA or Roth IRA plan. He said that this isn't something you can generally do under a 401(k) umbrella. If you roll the money over, which means directly transferring it from your 401(k) into an IRA, you're able to keep the money tax-deferred and avoid early withdrawal penalties. Daugs also said going this route means you won't get taxed on any distributions from your old 401(k) plan. However, Daugs said that if the money you put into your old 401(k) was pre-tax money, you want to be sure to roll that into a traditional IRA. "If the money originally contributed was a Roth 401(k) contribution, you roll it to a Roth IRA. If you convert the IRA to a Roth later on, and you roll that money from an IRA into a Roth IRA, you would get taxed on the amount converted, but would not have to pay a penalty for moving it out of a 401(k)." "The benefit of doing a conversion is that going forward, all of the money inside of that IRA or Roth IRA grows tax-free," he said. "So someone in their 20s or 30s doing this can benefit 20 to 30 years down the road to have a tax-free bucket of money to eventually tap into." This is worth considering when you're doing your financial planning, Daugs said, because that money in a 401(k) is often pre-tax. "That means the money in your 401(k) will grow tax-deferred, and when it comes time to take the money out when you're retired, you will pay taxes on the distribution," he said. 3. Use the money for another investment — but watch out for hefty fees If you already have a well-funded retirement account and want to use the idle money in an old 401(k) for a different type of investment outside of a retirement plan, Daugs said you can withdraw the money, but likely at a cost. "You will have to pay income tax on the money you take out of your 401(k) as well as a penalty for withdrawing the money before retirement age of 591⁄2," he said. Instead, he recommended that if you want to use the 401(k) money to invest in the best CDs with higher-than-usual interest rates, you can do so by rolling the money into an IRA that's at a bank that offers those types of investments. Don't know where to start? Consider a financial advisor. Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors who serve your area in minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Start your search now. This story was originally published in October 2023.
Yes, Kristin Cavallari did go out with country singer Morgan Wallen — and she’s ready to spill the tea. “Morgan’s a good guy,” Cavallari, 39, said in a teaser for her upcoming appearance on Bunnie XO ’s “Dumb Blonde” podcast . “He has a big heart, he really does.” Podcast host Bunnie, 44, did point out that Wallen, 31, seemed like a player because many of her former guests claimed to have also dated him. “1000 percent,” Cavallari quipped. “He’s been with every woman on the planet — as he should. Morgan was very sweet.” According to the Hills alum, Wallen was a “true gentleman” during their first-ever date. “He was like, ‘I’ll pick you up, I’ll pick the place’ [and] just f—ing handled business,” she recalled. “He picked me up. He met my kids, my kids were so excited. It was so cute. He got us a private room.” After their dinner date, Wallen dropped Cavallari back at her house and they shared a sweet kiss “in the rain.” “It was, like, the sweetest thing — and then we hung out after,” she remembered. “It was up and down too. It was a lot. I love Morgan. I haven’t talked to him in probably a year, but I have nothing but good things to say about him.” Cavallari first teased in 2023 that she briefly romanced Wallen, later joking in a social media video earlier this year that he “hurt [her] feelings.” “I’m so sorry, Morgan. He didn’t hurt my feelings,” she told Bunnie. “I’ll be honest with you. Morgan was the first guy in my entire f—ing life that wasn’t just completely enamored with me and I was like, ‘What in the f— was going on?’ It really threw me.” According to Cavallari, dating Wallen was the only time she didn’t have “the upper hand” in a romantic relationship. “It really f—ed with me,” she added, noting she was looking for a “f— buddy in Nashville” when they started hanging out. Cavallari added, “He’s a great f— buddy,” she said. “He was good in bed .” You have successfully subscribed. By signing up, I agree to the Terms and Privacy Policy and to receive emails from Us Weekly Check our latest news in Google News Check our latest news in Apple News Cavallari split from NFL alum Jay Cutler , with whom she shares three children, in 2020 after seven years of marriage. After a string of short-lived flings with the likes of Wallen and trainer Jason Walsh , she started seeing Mark Estes in February despite a 13-year age gap. They split seven months later. “It’s hard because I broke up with Mark because I just know long-term it’s not right,” she said on an October episode of her “Let’s Be Honest” podcast. “It’s not because of love lost or something bad happened. No one cheated. No one was mean. No one did anything.” She added, “Mark has been nothing but so sweet and so supportive. He’s always been there. He’s been the best boyfriend I’ve ever had. I just know long-term he needs to experience life.”
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31 Travel Products You’ll Need If You’re Escaping Winter Weather For A Tropical DestinationWEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump's supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump's movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump's Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer's comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar." Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry's need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump's world and what his political movement stands for. Trump has not yet weighed in on the rift. His presidential transition team did not respond to questions about positions on visas for highly skilled workers or the debate between his supporters online. Instead, his team instead sent a link to a post on X by longtime adviser and immigration hard-liner Stephen Miller that was a transcript of a speech Trump gave in 2020 at Mount Rushmore in which he praised figures and moments from American history. Musk, the world's richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump's movement but his stance on the tech industry's hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry's need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent," he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Trump's own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump's businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country" and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country," he told the “All-In" podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump's budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.
‘Living Nostradamus’ predicts that ‘the worst is yet to come’ with ‘biggest threats to global security’New Delhi: District-level data collection on climate change, creation of a “climate-risk atlas” and realigning of CSR subjects with environmental issues to re-focus from urban to rural areas are among the suggestions made by a core advisory group of the NHRC, officials said on Tuesday. The National Human Rights Commission (NHRC) organised a meeting of the group on environment, climate change and human rights on the theme ‘Climate Change and Human Rights’ in hybrid mode in New Delhi. NHRC’s acting chairperson Vijaya Bharathi Sayani emphasised that climate change is impacting vulnerable communities, particularly tribal people whose traditional livelihoods are directly tied to the environment. She highlighted the ancient wisdom embedded in Indian texts, which underscores the deep connection between humanity and nature, to find solutions to deal with the challenges posed by climate change, the NHRC said in a statement. Some of the suggestions that emanated from the discussions included collecting data on climate change at the district level to understand its dimensions, and collaborating with local communities to develop expertise with sustainable solutions to mitigate its impact is necessary, a senior official said. Other suggestions included promoting research into the reasons and effects of climate change on migration from rural to urban areas in India, and identifying areas prone to climate change to create a “climate-risk atlas and mitigate potential impacts”. Ensuring the effective implementation of the Provisions of the Panchayats (Extension to the Scheduled Areas) Act, 1996 (PESA Act) and the Forest Rights Act (2006); and realigning Corporate Social Responsibility (CSR) subjects with environmental issues to re-focus from urban to rural areas; encouraging plantation in arid regions using a “1-litre water technique for agroforestry” in addition to crops, were other suggestions, it said. The Commission said it will further deliberate on the various suggestions to finalise its recommendations to be sent to the government on addressing various challenges aggravated by climate change.
CWD-infected deer harvested in west-central Minnesota
US authorities on Tuesday charged the man suspected of gunning down a health insurance CEO in New York earlier this month with murder, including a charge of second-degree murder "as an act of terrorism." Mangione, 26, is accused of shooting UnitedHealthcare chief executive Brian Thompson on a Manhattan street on December 4, triggering a nationwide manhunt that ended last week when he was spotted at a Pennsylvania McDonald's. The former data engineer remains jailed in that state as he fights efforts to extradite him to New York to face charges there over the killing, which brought into focus widespread public anger against the US health care system. Mangione "is charged with one count of murder in the first degree and two counts of murder in the second degree, including one count of murder in the second degree as an act of terrorism," said Manhattan district attorney Alvin Bragg. Bragg said the terrorism charge was included because the shooting met the prerequisites for such a determination under New York law. "In its most basic terms, this was a killing that was intended to evoke terror and we've seen that reaction," he said. "This was not an ordinary killing." The maximum penalty for the murder charges Mangione faces is life in prison without parole, Bragg said. The suspect was also charged with several crimes related to his possession of a weapon, which authorities said was a 3D-printed "ghost gun." "We allege he... took out a nine-millimeter 3D-printed ghost gun equipped with a 3D-printed suppressor and shot (Thompson) once in the back and once in the leg," said Bragg. "These weapons are increasingly proliferating throughout New York City and the entire country. Evolving technology will only make this problem worse," he said. "Last year, over 80 ghost guns and ghost gun parts were recovered in Manhattan alone." In the wake of Thompson's killing, many social media users have lionized Mangione, with some even calling for further killings of other CEOs. Jessica Tisch, the New York City police commissioner, criticized members of the public who had praised the murder. "In the nearly two weeks since Mr Thompson's killing, we have seen a shocking and appalling celebration of cold-blooded murder," said Tisch. Mangione is due in Pennsylvania court on Thursday for a hearing on his extradition to New York. Police say a "life-changing, life-altering" back injury may have motivated Mangione, although they added that there was "no indication" that he was ever a client of UnitedHealthcare. When he was arrested, Mangione had a three-page handwritten text criticizing the US health care system. Police have said that Mangione's fingerprints matched those found near the crime scene, and that shell casings match the gun found on him when he was arrested. Bragg said that the suspect traveled to New York on November 24 with the intention of murdering Thompson. On December 4, he is alleged to have waited "for nearly an hour" outside the hotel where Thompson was shot early that morning. "This was a frightening, well planned, targeted murder that was intended to cause shock and attention and intimidation," said district attorney Bragg. bur-aha/mdMr Bayrou, 73, a crucial partner in Macron’s centrist alliance, has been a well-known figure in French politics for decades. His political experience is seen as key in efforts to restore stability as no single party holds a majority at the National Assembly. Mr Macron’s office said in a statement that Mr Bayrou “has been charged with forming a new government”. During the handover ceremony, Mr Bayrou said that “no one knows the difficulty of the situation better” than he does. “I’ve taken reckless risks all along my political life to raise the issue of debt and deficits in the most important elections,” he said. France is under pressure from the European Union’s executive body and financial markets to reduce its colossal debt, estimated to reach 6% of its gross domestic product this year. “I know that the risks of difficulties are much greater than the chances of success,” Mr Bayrou said, adding that he hopes to lead the country towards a “needed reconciliation”. “I think this is the only possible path to success,” he said. The new prime minister is expected to hold talks with political leaders from various parties in the coming days in order to choose new ministers. Former prime minister Michel Barnier resigned last week following a no-confidence vote prompted by budget disputes in the National Assembly, leaving France without a functioning government. Mr Macron in an address to the nation vowed to remain in office until his term ends in 2027. Mr Macron’s centrist alliance does not have a majority in parliament and Mr Bayrou’s Cabinet will need to rely on moderate lawmakers from the left and the right to be able to stay in power. Some conservatives are expected to be part of the new government. Mr Macron’s strategy aims at preventing far-right leader Marine Le Pen from holding “make or break” power over the government. Ms Le Pen helped oust Mr Barnier by joining her National Rally party’s forces to the left to pass the no-confidence motion last week. Mr Bayrou’s appointment is also in line with Mr Macron’s efforts to build a non-aggression pact with the Socialists so that they commit not to vote against the government in any future confidence motion. Mr Bayrou leads the centrist Democratic Movement, known as MoDem, which he founded in 2007. In 2017, he supported Mr Macron’s first presidential bid and became a weighty partner in the French president’s centrist alliance. At the time, he was appointed justice minister, but he quickly resigned from the government amid an investigation into the MoDem’s alleged embezzlement of European Parliament funds. Mr Bayrou this year was cleared in the case by a Paris court, which found eight other party officials guilty and sentenced the party to pay a fine. Mr Bayrou became well known to the French public when he was education minister from 1993 to 1997 in a conservative government. He was three times a candidate for president: in 2002, 2007 and 2012.
Broadcom is predicting a massive expansion in demand for chips that power AI — and the market, for now, is buying it all the way. The company’s valuation hit $1 trillion on Friday as its shares surged 21% after CEO Hock Tan said AI could present a $60 billion to $90 billion revenue opportunity in 2027, more than four times the current size of the market. Broadcom also forecast first-quarter revenue above estimates on Thursday. Several analysts said it was tough to estimate the market’s growth and Broadcom’s potential share, with TD Cowen noting the prediction is “difficult to prove/disprove, but is huge.” Big Tech’s push to diversify beyond Nvidia’s pricey and supply-constrained AI processors has been a windfall for Broadcom, which makes custom chips for major cloud companies. Investors have also favored chipmakers that are already benefiting from the massive data centers being built by the likes of Microsoft and Meta amid worries about the payoff from AI investments for the wider tech industry. Broadcom CEO Tan said on Thursday the company has won two major hyperscaler customers, after it brought in $12.2 billion in AI revenue for fiscal 2024. That represented a major chunk of his estimated total serviceable market of $15 billion to $20 billion. Of the total 2027 opportunity, Broadcom could capture as much as $50 billion in AI sales based on the 70% market share Broadcom estimated it had in 2024, TD Cowen analysts said. But they warned modeling the company’s share was difficult because the serviceable market could include processors sold by the likes of Nvidia. Rosenblatt Securities analyst Hans Mosesmann estimated a much lower market share for Broadcom in 2027 at between 20% and 50%. Investors, meanwhile, scooped up the stock that trades at a lower multiple than rivals. Broadcom has a 12-month forward price-to-earnings ratio of 29.8, compared with 31.03 for Nvidia, the first chip firm to hit $1 trillion in market value, according to data compiled by LSEG. “As AI shifts from training models to inference, more and more chip companies will gain an edge on Nvidia. Broadcom is the canary in the coalmine,” said Thomas Hayes, chairman and managing member at Great Hill Capital. Shares of Nvidia and rival AI chipmaker AMD fell about 3%, while Broadcom’s smaller competitor Marvell rose close to 9%. Contract chipmaker TSMC rose 4%. Broadcom’s shares are up more than 60% this year, while Nvidia’s stock has more than doubled, as of last close. The gains eclipse those in major cloud companies, with Microsoft up about 11% this year and Alphabet — seen by analysts as Broadcom’s biggest custom chip customer — rising 40%. “They (Broadcom) went out of their way to give investors a reason to dream,” Bernstein analyst Stacy Rasgon said. “The AI story seems to really be coming into its own, perhaps Hock might think about shopping for a leather jacket,” Rasgon said, referring to Nvidia CEO Jensen Huang’s signature style .Govt scheme for green manufacturing zones in the offing
Macron names ally Bayrou as new PM as he aims to restore political stability
I've been building technology companies for over two decades. But my journey begins far from the glitzy headquarters and investment offices of Silicon Valley, in the fields of rural China. My early life gave few indications of the journey of discovery that lay ahead. It was simple, fraught with challenges—and perhaps counterintuitively, it planted the seeds of curiosity and boundary-pushing that have driven me right down to the present day. My family and I scratched out a living by farming rice, corn, wheat and vegetables; meat was rationed by the government. Life in the village was straightforward but challenging, and opportunities were limited. For children, there were two possible paths. Do well academically and you might leave for the university; otherwise, you would lead the same rural life as so many generations had before. The starkness of the choice sharpened my focus, and I developed an unshakable work ethic and a hunger for exploration that has fueled my journey ever since. Education became my way out. I endured the monotony of endless exams and rote lessons, ultimately earning a spot at Sichuan University to study electrical engineering. Later on, I was accepted to the graduate school at Tsinghua University, often dubbed the "MIT of China." The experience was intense but gratifying—a world where talent and hard work converged. College was my first glimpse of freedom, the first time I experienced the joy of camaraderie and exploration. It was there that I began to understand the transformative power of technology and to see learning not just as a means to escape my own poverty but as a world of possibilities in its own right. Taking the Leap And as it turned out, everything up to that point was prologue. That's because after graduation I took the great leap across the ocean to the United States. At the University of Florida, I completed my Ph.D. in computer engineering—just as the dot-com bubble was bursting. Graduating into a challenging job market, I moved to Texas to work at Verizon while pursuing an MBA at Southern Methodist University in Dallas. This period fundamentally reshaped how I viewed leadership. I had always approached team building with a technical mindset. I thought of people as fungible components of a system, resources to be optimized. The MBA experience opened my eyes to the importance of understanding people as individuals with unique motivations and potential to unlock. That paradigm shift became a cornerstone of my leadership style, influencing how I work to empower teams to achieve their best work. From Texas, I moved to Minnesota. Its people are famously friendly, but the local culture is full of nuances that can be challenging for an immigrant like me to grasp. Meetings could be minefields of cultural references I didn't understand. This experience deepened my empathy and gave me new insight I still use in motivating teams today, striving to ensure that everyone feels seen and heard. In 2008, I moved to California and joined Google . For the first time since arriving in the U.S., I felt a deep sense of belonging. Silicon Valley's culture of inclusivity and openness allowed me to thrive as a unique individual; my peers encouraged me to think big and tackle challenges others thought impossible. One of my proudest achievements was leading the engineering of Google Fi, a virtual mobile service provider that redefined the telecom industry. We dreamed of switching between networks seamlessly, auto-connecting to open WiFi with VPN enabled, and eliminating the complexities of international roaming for users altogether. Experts said our vision was impossible, both technically and commercially. But with relentless focus, we succeeded. To this day, I'm still a proud Google Fi user, and meeting others who use the service gives me a unique sense of joy and accomplishment. Not every project succeeded, though, and one of the most valuable lessons came from failure. With Google Offers, we scaled too quickly, building a large team before we had achieved product-market fit. Our core experience relied on mobile location accuracy, which wasn't reliable enough on Android or iOS in 2013. It was a costly mistake, but it taught me the importance of timing and focus. My time at Google was transformative. It wasn't just a place where I built innovative projects—it was where I built the confidence to lead, to learn from failure and to share my vision with others. Becoming a Founder I ultimately left to co-found Leap.ai, a company focused on using machine learning to match people with jobs, which was acquired by Facebook . Co-founding a successful startup gave me confidence in my leadership abilities and skills as an entrepreneur, as well as a hunger to do more. After Facebook, I joined a fintech company, Earnin, as chief technology officer. Millions of Americans live paycheck to paycheck, and Earnin allowed users to access their wages before payday without predatory fees. The company's innovative model, which relied on voluntary tips, resonated deeply with me. At Earnin, I also saw the limitations of traditional finance. Despite the company's success, it struggled to access debt facilities required to scale its operations from traditional banks. This challenge planted a seed in my mind. I decided to work to transform payment financing using blockchain technologies. This vision is grounded in fairness and efficiency, inspired by both my personal journey and my professional growth. Looking Back, Pushing Ahead Blockchain represents more than just a technological breakthrough—it's a rethinking of value and ownership that in many ways ties together the different threads of my journey. In traditional tech, early users help refine algorithms and shape platforms but rarely share in the wealth they create. Web3 changes that, enabling communities to co-create and co-own the value they generate. It's not just a technological shift; it's an opportunity to build fairer systems. I knew my next step was to help develop these powerful innovations. Today, at the latest stage of my journey, I'm committed to building technology that empowers individuals and redistributes opportunity in a way that genuinely reflects the value of the contributions of the community. My journey from farm boy to founder has instilled a belief that technology is our best hope for a better future. I'm working hard to deliver that future—for everyone. Richard Liu is co-founder and co-CEO of Huma Finance, the first PayFi network, which powers financing of global payments with instant access to liquidity anywhere, anytime.