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By BARBARA ORTUTAY, AP Technology Writer Nearly half of American teenagers say they are online “constantly” despite concerns about the effects of social media and smartphones on their mental health, according to a new report published Thursday by the Pew Research Center. As in past years, YouTube was the single most popular platform teenagers used — 90% said they watched videos on the site, down slightly from 95% in 2022. Nearly three-quarters said they visit YouTube every day. There was a slight downward trend in several popular apps teens used. For instance, 63% of teens said they used TikTok, down from 67% and Snapchat slipped to 55% from 59%. This small decline could be due to pandemic-era restrictions easing up and kids having more time to see friends in person, but it’s not enough to be truly meaningful. X saw the biggest decline among teenage users. Only 17% of teenagers said they use X, down from 23% in 2022, the year Elon Musk bought the platform. Reddit held steady at 14%. About 6% of teenagers said they use Threads, Meta’s answer to X that launched in 2023. The report comes as countries around the world are grappling with how to handle the effects of social media on young people’s well-being. Australia recently passed a law banning kids under 16 from social networks, though it’s unclear how it will be able to enforce the age limit — and whether it will come with unintended consequences such as isolating vulnerable kids from their peers. Related Articles National News | Donald Trump is returning to the world stage. So is his trolling National News | Bay Area lawmaker introduces bill requiring mental health warnings on social media sites National News | Federal appeals court upholds law requiring sale or ban of TikTok in the U.S. National News | Bay Area parents engage with Meta on Instagram safety for teens National News | TikTok sensation Queen of Afternoon Tea spills about the trend Meta’s messaging service WhatsApp was a rare exception in that it saw the number of teenage users increase, to 23% from 17% in 2022. Pew also asked kids how often they use various online platforms. Small but significant numbers said they are on them “almost constantly.” For YouTube, 15% reported constant use, for TikTok, 16% and for Snapchat, 13%. As in previous surveys, girls were more likely to use TikTok almost constantly while boys gravitated to YouTube. There was no meaningful gender difference in the use of Snapchat, Instagram and Facebook. Roughly a quarter of Black and Hispanic teens said they visit TikTok almost constantly, compared with just 8% of white teenagers. The report was based on a survey of 1,391 U.S. teens ages 13 to 17 conducted from Sept. 18 to Oct. 10, 2024.(BPT) - Tech gifts are consistently some of the most popular presents to give and receive during the holidays. In fact, according to the annual Consumer Technology Holiday Purchase Patterns report , a record 233 million U.S. adults (89%) will buy tech products during the 2024 holiday season. But with so many devices out there, it can be hard to decide on the perfect option for the loved one on your list. A tablet like the new Fire HD 8 from Amazon offers the versatility of an all-in-one device, with access to streaming, gaming, video chatting, reading or writing all at your fingertips. Fire HD 8 also features a vibrant 8-inch HD display and lightweight, portable design, for high-quality entertainment on the go. Plus, Fire HD 8 comes with three new AI features that can help you get the most out of your tablet experience. Check them out below and learn how they can help you with daily tasks this holiday season and beyond. 1. Meet your personal writing assistant Do you struggle with writing a heartfelt message or finessing a tricky email? Fear not! Writing Assist is here to help. Writing Assist works as part of your Fire tablet's device keyboard and compatible apps, including email, Word documents and social media. In just a few taps, you can transform your writing from good to great. Try Writing Assist's pre-set styles to turn a simple email into a professionally written note. Or, you can ask Writing Assist for grammar suggestions to make your writing more concise, or elaborate on your ideas. You can even "emojify" your writing to add more fun and personality. 2. Learn more in less time Say goodbye to scrolling through pages of information. The new Webpage Summaries feature allows you to learn pertinent information as quickly as possible. Available on the Silk browser on Fire tablets, Webpage Summaries provides quick insights on web articles. In a matter of seconds, this feature will distill the key points in an article or on a webpage into a clear, concise summary of what you need to know. 3. Get creative with your device wallpaper With Wallpaper Creator, you can easily add a touch of creative flair and customization to your tablet's home screen. You can choose from one of the curated prompts to get started on creating a unique background. Or, if you're ready to let your imagination run wild, type a description of what you'd like to see. For example, you can ask for an image of a tiger swimming underwater or a watercolor-style image of a desert landscape in space. Wallpaper Creator will then turn your vision into a reality, delivering a high-resolution image that you can use as your tablet's wallpaper. Celebrate an AI-powered holiday season Writing Assist, Webpage Summaries, and Wallpaper Creator are now available on Amazon's new Fire HD 8 and other compatible Fire tablet devices, including the latest Fire HD 10 and Fire Max 11 tablets. To learn more, or to order a new Fire tablet this gift-giving season, visit Amazon.com .
Yen gains as some BOJ policymakers see rate hike soonNEW YORK (AP) — U.S. stock indexes got back to climbing on Wednesday after the latest update on inflation appeared to clear the way for more help for the economy from the Federal Reserve . The S&P 500 rose 0.8% to break its first two-day losing streak in nearly a month and finished just short of its all-time high. Big Tech stocks led the way, which drove the Nasdaq composite up 1.8% to top the 20,000 level for the first time. The Dow Jones Industrial Average, meanwhile, lagged the market with a dip of 99 points, or 0.2%. Stocks got a boost as expectations built that Wednesday’s inflation data will allow the Fed to deliver another cut to interest rates at its meeting next week. Traders are betting on a nearly 99% probability of that, according to data from CME Group, up from 89% a day before. If they’re correct, it would be a third straight cut by the Fed after it began lowering rates in September from a two-decade high. It’s hoping to support a slowing job market after getting inflation nearly all the way down to its 2% target. Lower rates would give a boost to the economy and to prices for investments, but they could also provide more fuel for inflation. “The data have given the Fed the ‘all clear’ for next week, and today’s inflation data keep a January cut in active discussion,” according to Ellen Zentner, chief economic strategist for Morgan Stanley Wealth Management. Expectations for a series of cuts to rates by the Fed have been one of the main reasons the S&P 500 has set an all-time high 57 times this year , with the latest coming last week. The biggest boosts for the index on Wednesday came from Nvidia and other Big Tech stocks. Their massive growth has made them Wall Street’s biggest stars for years, though other kinds of stocks have recently been catching up somewhat amid hopes for the broader U.S. economy. Tesla jumped 5.9% to finish above $420 at $424.77. It’s a level that Elon Musk made famous in a 2018 tweet when he said he had secured funding to take Tesla private at $420 per share . Stitch Fix soared 44.3% after the company that sends clothes to your door reported a smaller loss for the latest quarter than analysts expected. It also gave financial forecasts for the current quarter that were better than expected, including for revenue. GE Vernova rallied 5% for one of the biggest gains in the S&P 500. The energy company that spun out of General Electric said it would pay a 25 cent dividend every three months, and it approved a plan to send up to another $6 billion to its shareholders by buying back its own stock. On the losing end of Wall Street, Dave & Buster’s Entertainment tumbled 20.1% after reporting a worse loss for the latest quarter than expected. It also said CEO Chris Morris has resigned, and the board has been working with an executive-search firm for the last few months to find its next permanent leader. Albertsons fell 1.5% after filing a lawsuit against Kroger, saying it didn’t do enough for their proposed $24.6 billion merger agreement to win regulatory clearance. Albertsons said it’s seeking billions of dollars in damages from Kroger, whose stock rose 1%. A day earlier, judges in separate cases in Oregon and Washington nixed the supermarket giants’ merger. The grocers contended a combination could have helped them compete with big retailers like Walmart, Costco and Amazon, but critics said it would hurt competition. After terminating the merger agreement with Kroger, Albertsons said it plans to boost its dividend 25% and increased the size of its program to buy back its own stock. Macy’s slipped 0.8% after cutting some of its financial forecasts for the full year of 2024, including for how much profit it expects to make off each $1 of revenue. All told, the S&P 500 rose 49.28 points to 6,084.19. The Dow dipped 99.27 to 44,148.56, and the Nasdaq composite rallied 347.65 to 20,034.89. In the bond market, the yield on the 10-year Treasury rose to 4.27% from 4.23% late Tuesday. The two-year Treasury yield, which more closely tracks expectations for the Fed, edged up to 4.15% from 4.14%. In stock markets abroad, indexes rose across much of Europe and Asia. Hong Kong’s Hang Seng was an outlier and slipped 0.8% as Chinese leaders convened an annual planning meeting in Beijing that is expected to set economic policies and growth targets for the coming year. South Korea’s Kospi rose 1%, up for a second straight day as it climbs back following last week’s political turmoil where its president briefly declared martial law. AP Writers Matt Ott and Zimo Zhong contributed.
New Delhi, Dec 25 (PTI) Union Minister Jitendra Singh on Wednesday said that the governance reforms must begin at the grassroot level to bring about long-lasting and meaningful change. In a significant step towards strengthening grassroots governance, he launched the ‘Viksit Panchayat Karmayogi’ initiative on Good Governance Day, celebrated very year to mark birth anniversary of former Prime Minister Atal Bihari Vajpayee. The initiative, which is part of the broader ‘Prashasan Gaon Ki Aur’ campaign, aims to enhance the capacity and competence of Panchayati Raj Institutions (PRIs) by equipping elected representatives and officials with the tools and knowledge required for effective governance and participatory planning, said Singh, the Minister of State for Personnel. He emphasised "that governance reforms must begin at the grassroots to bring about long-lasting and meaningful change as well as to fill up the capacity gaps". Piloted in Odisha, Assam, Gujarat, and Andhra Pradesh, the initiative leverages e-learning platforms, AI-powered chatbots, and mobile apps to bridge knowledge gaps and enhance service delivery, Singh said. He said that this program aligns with the government’s broader mission to decentralise governance and foster participatory decision-making at the grassroots level. The initiative is expected to create scalable models of citizen-centric governance, enabling PRIs to drive equitable and sustainable development across rural India, according to a Personnel Ministry statement. The minister also launched a series of transformative initiatives on the occasion of the Good Governance Day. The first initiative unveiled by Singh was the launch of a new dashboard on the iGOT (integrated government online training) Karmayogi platform, along with the milestone introduction of the 1600th e-learning course. The enhanced dashboard is designed to empower ministries, departments, and state administrators with advanced tools to monitor user registrations, course completions, and overall progress in capacity-building efforts. With customisable views and robust data filtration capabilities, the dashboard provides detailed insights to improve decision-making and optimize training initiatives, the statement said. Additionally, the introduction of the 1600th course on the platform underscores the government’s commitment to fostering a diverse and comprehensive learning ecosystem, it said. The minister also launched CPGRAMS (Centralised Public Grievance Redress and Monitoring System) Annual Report 2024. As the world’s largest citizen interface platform, CPGRAMS has redefined grievance redressal by integrating advanced technologies, multilingual support, and comprehensive tracking mechanisms. The CPGRAMS allows citizens to raise grievances against government departments online. The report showcases key achievements, including the resolution of over 25 lakh grievances annually and the implementation of the Grievance Redressal Assessment and Index (GRAI), the statement said. Another significant initiative launched during the event was the compendium of pension related instructions, 2024, a comprehensive document consolidating all updated rules, procedures, and guidelines related to pensions. Singh said that Good Governance Day, institutionalised by Prime Minister Narendra Modi, serves as a reminder of the government’s commitment to initiatives that directly impact citizens’ lives. Reflecting on India’s journey towards its centenary as an independent nation in 2047, he outlined the need to prepare for a future where citizens can independently manage governance processes with minimal reliance on bureaucratic systems. Singh shared his experience of introducing AI-driven mobile health clinics in rural areas, highlighting how technology not only facilitates governance but also captivates and engages communities. Singh said that each year, the government strives to introduce new initiatives that add value to governance and reflect its dynamic and evolving nature. (This story has not been edited by THE WEEK and is auto-generated from PTI)US to send $1.25 billion in weapons to Ukraine, pushing to get aid out before Biden leaves office
George Kresge Jr., who wowed talk show audiences as the The Amazing Kreskin, diesToll Brothers Announces New Luxury Home Community Coming Soon to Hurst, Texas in Dallas-Fort Worth Area
(BPT) - Tech gifts are consistently some of the most popular presents to give and receive during the holidays. In fact, according to the annual Consumer Technology Holiday Purchase Patterns report , a record 233 million U.S. adults (89%) will buy tech products during the 2024 holiday season. But with so many devices out there, it can be hard to decide on the perfect option for the loved one on your list. A tablet like the new Fire HD 8 from Amazon offers the versatility of an all-in-one device, with access to streaming, gaming, video chatting, reading or writing all at your fingertips. Fire HD 8 also features a vibrant 8-inch HD display and lightweight, portable design, for high-quality entertainment on the go. Plus, Fire HD 8 comes with three new AI features that can help you get the most out of your tablet experience. Check them out below and learn how they can help you with daily tasks this holiday season and beyond. 1. Meet your personal writing assistant Do you struggle with writing a heartfelt message or finessing a tricky email? Fear not! Writing Assist is here to help. Writing Assist works as part of your Fire tablet's device keyboard and compatible apps, including email, Word documents and social media. In just a few taps, you can transform your writing from good to great. Try Writing Assist's pre-set styles to turn a simple email into a professionally written note. Or, you can ask Writing Assist for grammar suggestions to make your writing more concise, or elaborate on your ideas. You can even "emojify" your writing to add more fun and personality. 2. Learn more in less time Say goodbye to scrolling through pages of information. The new Webpage Summaries feature allows you to learn pertinent information as quickly as possible. Available on the Silk browser on Fire tablets, Webpage Summaries provides quick insights on web articles. In a matter of seconds, this feature will distill the key points in an article or on a webpage into a clear, concise summary of what you need to know. 3. Get creative with your device wallpaper With Wallpaper Creator, you can easily add a touch of creative flair and customization to your tablet's home screen. You can choose from one of the curated prompts to get started on creating a unique background. Or, if you're ready to let your imagination run wild, type a description of what you'd like to see. For example, you can ask for an image of a tiger swimming underwater or a watercolor-style image of a desert landscape in space. Wallpaper Creator will then turn your vision into a reality, delivering a high-resolution image that you can use as your tablet's wallpaper. Celebrate an AI-powered holiday season Writing Assist, Webpage Summaries, and Wallpaper Creator are now available on Amazon's new Fire HD 8 and other compatible Fire tablet devices, including the latest Fire HD 10 and Fire Max 11 tablets. To learn more, or to order a new Fire tablet this gift-giving season, visit Amazon.com .
It's almost Christmas, which means it's time to play SkealFormer Rep. Mike Rogers is no longer under consideration to lead the FBI, a senior Donald Trump adviser said Friday. “Just spoke to President Trump regarding Mike Rogers going to the FBI. It’s not happening—In his own words, ‘I have never even given it a thought.’ Not happening," Dan Scavino, who will serve as deputy chief of staff in the incoming administration, posted on X . Sources told Fox News that Rogers, who lost his Senate race in Michigan earlier this month, visited Trump at Mar-a-Lago to discuss leading the law enforcement agency. During his first administration, Trump appointed Christopher Wray for the 10-year term but has repeatedly criticized him since then and said on the campaign trail that he wants to fire Wray. Rogers, who once served as an FBI officer and was on the House Intelligence Committee for four years, was also floated for the job in 2016. Theater kids have been singing during screenings of Wicked , and AMC isn’t having it. With the movie adaptation of the hit Broadway musical—starring Cynthia Erivo and Ariana Grande—set to appear in theaters across the U.S. on Friday, the movie theater chain is planning to air a 30-second ad ahead of screenings that implores attendees not to belt out the show’s immensely catchy numbers, Vulture reported . And yes, that even includes “Popular.” Some attendees of early screenings for the flick told The New York Times they were put off by their fellow audience members’ blatant disregard for movie theater norms. “It started slow. Then people heard each other—it was like they encouraged each other,” attendee Angela Weir told the Times . “It was a beautiful scene, and then you’re taken out of it.” But those with the irresistible inclination to join Grande, Erivo, and the rest of the cast need not fret too much. About 1,000 North American cinemas will host special sing-along showings of Wicked beginning after Christmas, Variety reported earlier this week. Scouted selects products independently. If you purchase something from our posts, we may earn a small commission. The pursuit of youth has long plagued our world. Many modern-day consumers go to great lengths to reduce the ravages of aging—Botox, plastic surgery, weird vampire facials, you name it. And while some products do show promise of slowing down aging, nothing can reverse time. However, effective products like the FDA-cleared (and derm-approved) Omnilux Contour Face can help reduce wear and tear. When I first saw the Omnilux Contour Face , it terrified me. Not only does it look like a mask a serial killer might wear, but LED light therapy was something I had never heard of until recently, and, frankly, I was pretty skeptical of it. But as someone who tires of trying one-trick products that often don’t deliver on their sky-high promises, I wanted to see if the device actually lived up to its incredible reviews . Free Returns | Free Shipping While the mask is a bit cumbersome at first, once you get it fitted and light it up, the magic begins working over a quick 10-minute period. As recommended, I used the Omnilux Contour Face at least three times a week and up to five times a week and noticed a slightly more contoured jawline and general smoothness after about two weeks of consistent use. While $395 may seem like a lot for an at-home face mask, once I did the math, I realized I spend much more on facials, creams, and dermatologist visits over time, I figured splurging on this light therapy mask could potentially save me some money in my beauty-maintenance fund, and it’s much cheaper than injectables like Botox and filler and other in-office procedures. Fortunately, right now, you don’t have to pay full price. Omnilux is offering a sitewide sale ahead of Black Friday next week. Score $60 off on one device with the code SAVE60, $140 off two devices with the code SAVE140 and $240 off when you buy three devices. Read my full review of Omnilux’s Contour device. Click Here > While Baby Boomers say a person has to earn around $100,000 a year to be “financially successful,” members of Generation Z say they would need to make almost six times that figure—$587,800—to fit the label, Axios reported based on a September survey by Empower. Gen Z is truly in a league of its own—Generation X put the figure at $212,300, while for Millennials it was a bit lower, at $180,900. Across all generations, the average was $270,200. Despite their lofty ideal of financial success, 71 percent of Gen Z still said they thought they would achieve financial success in their lifetime, which was more than any other generational group. Boomers, who reportedly control over half of all American wealth, could actually end up helping Gen Z achieve their goal. Over the next few decades, as much as $50 trillion could flow from the older generation to younger ones in the form of inheritances—although experts also warn that it could also end up being spent on health-care costs for the aging Boomers. Morning Joe star Mika Brzezinski announced Friday she’s leaving Twitter, encouraging her followers to listen to her appearance on The Daily Beast Podcast as she headed for the exit. “I’ve decided to leave X, but I’d love to keep the conversation going. Join me on BlueSky !” the MSNBC host wrote in her presumably final post on Elon Musk ’s platform. Brzezinski’s penultimate post promoted her Daily Beast Podcast episode, in which she spoke about why she visited Donald Trump at Mar-a-Lago after his election victory. The personal visit, which Brzezinski made with her husband and co-host Joe Scarborough, set off a furious backlash —and an exodus of viewers —over what some saw as a capitulation to the president-elect after years of denouncing him. “We heard from many of you wanting to let us know that it was the right thing to do, our jobs,” Brzezinski said as she introduced the footage Friday. “We’ve also faced a lot of criticism about the meeting, largely from folks online.” On the podcast, Brzezinski told co-hosts Joanna Coles and Samantha Bee that one of the reasons she and Scarborough went to Mar-a-Lago is that “people are really scared about Donald Trump’s comments about political adversaries.” She added that while she doesn’t “regret anything” she said during the campaign, she is nevertheless “looking at how to do things differently.” “I would never turn down an opportunity to gain insight or information,” Brzezinski added. “Never.” Watch the full podcast interview below. New episodes of The Daily Beast Podcast drop every Thursday. Like and download on Spotify , Apple Podcasts , YouTube , or your favorite podcast app. And click here for email updates as each episode debuts. A quality wig should make you feel confident. That means it has to look good, feel good, and stay put all day. After a decade, Luvme Hair has refined its products to hit each of those marks. They believe comfort is key when you want to own your look. That starts with 100% human hair and the signature minimalist lace designed to be completely unlockable so no one will ever know you’re wearing a wig. The finishing touch is the AiryFitTM collection’s breathable caps made from skin-friendly materials for long-term wearability. The current stand-out is the Effortless Water Wave . 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With his court order, Judge Juan Merchan indefinitely postponed the hearing that was scheduled to take place next week, allowing Trump’s legal team time to submit their motions for dismissal of the hush money case by December 2. After that, the District Attorney’s office will have a week to deliver its response. On Tuesday, prosecutors signaled that they were fine to give Trump’s attorneys more time to get their argument together, but would oppose any attempts to toss the case. Still, given that Trump is about to assume ultimate pardon power, it now seems unlikely that any consequences will follow from the May conviction. “Just as a sitting President is completely immune from any criminal process,” Todd Blanche, a Trump lawyer poised to join his client’s Justice Department, argued to Merchan in a letter, per NBC , “so too is President Trump as President-elect.” Ariana Grande ’s boyfriend Ethan Slater says his girlfriend and her co-star Cynthia Erivo are “soul mates,” explaining why they cry so much on Wicked ’s press tour. Slater, who also appears in the film and began dating Grande during filming, told Today , “Their friendship is really real and really deep and really informed by the work that they did together.” That deep friendship results in lots of tears during interviews, which social media users have been hard at work turning into memes . “They’re both like, after a full day of junkets, ‘Well, we cried 100 times again. Everyone must be getting so annoyed,’” Slater said he hears from Grande and Erivo, “but I think it comes from a really genuine place.” Slater further explained that the movie stars are often moved to tears promoting the film because “they’re getting to talk about and getting to reflect on [their work and the resulting friendship] while they’re still in the midst of it.” Rep. Marjorie Taylor Greene (R-GA), a MAGA darling and three letter initialism-haver, is poised to lead a new House Oversight Committee Subcommittee that will work with Elon Musk and Vivek Ramaswamy ’s ‘DOGE’ commission to “eliminate government waste.” Rep. Alexandra Ocasio-Cortez (D-NY), a progressive darling and fellow three letter initialism-haver, is fine with that. “This is good, actually,” AOC tweeted Thursday. “She barely shows up and doesn’t do the reading.” She then likened giving MTG the job to “giving someone an unplugged controller.” Earlier this month, President-elect Donald Trump anointed MAGA entrepreneurs Musk and Ramaswamy as the co-leaders of his planned Department of Government Efficiency (DOGE), which is not a government department but a commission that will table recommendations for how to take a chainsaw to U.S. Federal spending—Musk has mused about up to $2 trillion in cuts. “Absolutely dying at those two now getting assigned the ‘privilege’ of ‘working’ with MTG,” added AOC. “That is actually hilarious. Enjoy, fellas!” This is good, actually. She barely shows up and doesn’t do the reading. To borrow a phrase I saw elsewhere, it’s like giving someone an unplugged controller. https://t.co/cgu6B4IAYV If Matt Gaetz ’s stamp of approval still holds any weight on Capitol Hill after his scandal-ridden attorney general nomination went up in flames Thursday, then president-elect Donald Trump’s new pick for the role, former Florida attorney general Pam Bondi , is headed in the right direction. Bondi “is a stellar selection,” Gaetz wrote in a post on X Thursday. “Pam and I worked closely together when she was Florida’s Attorney General and I chaired Criminal Justice in the state house. She’s a proven litigator, an inspiring leader and a champion for all Americans. She will bring the needed reforms to DOJ.” Bondi has been just as candid a Trump supporter as Gaetz, having spoken at his rallies and attended sessions of of New York criminal trial. She was also a defense lawyer during Trump’s first impeachment trial. Like Gaetz and other cabinet nominees Pete Hegseth and Sean Duffy, Bondi has also appeared frequently on Fox News to defend Trump’s record. . @PamBondi is a stellar selection by President Trump for Attorney General. Pam and I worked closely together when she was Florida’s Attorney General and I chaired Criminal Justice in the state house. She’s a proven litigator, an inspiring leader and a champion for all... https://t.co/K86sK7WkPf Scouted selects products independently. If you purchase something from our posts, we may earn a small commission. Made In Cookware is known for quality kitchen tools that look as good as they perform. Its sleek, chef-approved kitchen essentials are for people who know that the plates matter as much as the food. That makes its full sets a great option for anyone looking for a little uniformity in their cabinets. 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Free Shipping Senate Majority Leader Chuck Schumer (D-NY) reached an 11th hour deal with congressional Republicans to quickly confirm more judges to lower federal court positions—in exchange for not moving forward with four nominations to federal appellate court positions. The deal will see the Senate consider seven judges for lower court appointments the week after Thanksgiving, while another six are put on the executive calendar for consideration later in December. Although Democrats control the chamber until January, President-elect Donald Trump called on congressional Republicans to block all appointments until his inauguration. Republicans in the Senate succeeded in delaying Wednesday’s confirmation proceedings out until after midnight, prompting Schumer to strike a deal that he defended from criticism. “The trade was four circuit nominees—all lacking the votes to get confirmed—for more than triple the number of additional judges moving forward,” a spokesperson for the Democratic leader told Politico . Democrats have approved 221 judges to the federal bench since President Joe Biden took office, and Schumer’s deal could get Democrats close to matching Trump’s total of 234 confirmed judges during his first term in office. Alex Jones on Thursday called Matt Gaetz “quite the stud” after a new allegation of sexual assault emerged against the former congressman. Gaetz, who had been picked by Donald Trump as his nominee for attorney general, withdrew his name from contention after he was contacted for comment on the CNN report about the alleged crime. In it, the same woman who said she had sex with Gaetz when she was 17 revealed that she had an additional underage encounter with Gaetz, involving another, adult woman. Jones, a far-right pundit and conspiracy theorist, took the news of the new criminal accusation as a chance to praise Gaetz for his sexual prowess. “I treat women super nice,” Jones explained to viewers of his show Infowars. “So does Trump. Women love me. And so, I mean, I know what’s happening to Gaetz.” Jones suggested that the allegations against Gaetz were being blown out of proportion, claiming that the victims, who were “super gorgeous,” surely thought Gaetz was “so nice.” “People are like, damn, Matt Gaetz is quite the stud,” Jones said, adding: “That’s it, we’re really bad people, we like women.”
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 | Army and Navy team up for hypersonic missile launch from Cape Canaveral Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? 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.
Not for distribution to U.S. newswire services or dissemination in the United States TORONTO, Dec. 11, 2024 (GLOBE NEWSWIRE) -- NexGold Mining Corp. (“ NexGold ”) ( TSXV: NEXG; OTCQX: NXGCF ) and Signal Gold Inc. ( “ Signal Gold ”) (TSX: SGNL; OTCQB: SGNLF) are pleased to announce that, further to the companies’ joint news releases dated October 10, 2024, October 23, 2024 and November 6, 2024, Signal Gold has exercised its upsize option and on December 10, 2024 closed an additional tranche (“ Tranche 2 ”) of its previously announced oversubscribed concurrent financing of subscription receipts (“ Hard Dollar Financing ”). Tranche 2 consisted of an issuance of an aggregate of 3,044,228 subscription receipts (“ Subscription Receipts ”) at a price of $0.08705 per Subscription Receipt, for gross proceeds of $265,000.05. Together with the first tranche of the Hard Dollar Financing, the full Hard Dollar Financing consisted of an aggregate of 123,120,068 Subscription Receipts for aggregate gross proceeds of $10,717,601.92. The Hard Dollar Financing is being carried out in connection with the proposed plan of arrangement, pursuant to which NexGold will acquire all the shares of Signal Gold to create a near-term gold developer, advancing the Goliath Gold Complex Project (“ Goliath Project ”) in Northern Ontario and the Goldboro Project (“ Goldboro Project ”) in the historic Goldboro Gold District in Nova Scotia (the “ Transaction ”). In addition, Signal Gold and NexGold are pleased to announce that today, the necessary conditions were satisfied and the Subscription Receipts automatically converted into units of Signal Gold (“ NFT Units ”). Each NFT Unit is comprised of one common share of Signal Gold (a “ NFT Share ”) and one-half of one common share purchase warrant of Signal Gold (each whole warrant, a “ NFT Unit Warrant ”). Each NFT Unit Warrant entitles the holder thereof to purchase one NFT Share at a price of $0.11818 for a period of 24 months following the date of issuance. The NFT Shares and NFT Unit Warrants will be adjusted in accordance with the Transaction, as applicable, for securities of NexGold. The net proceeds of the Hard Dollar Financing are expected to be used by the combined company to fund the retirement of certain debt, the exploration and advancement of the Goliath and Goldboro Projects and for working capital and general corporate purposes. In connection with the Hard Dollar Financing, Signal Gold paid finder’s compensation to certain eligible finders comprised of cash payments and the issuance of an aggregate of 2,227,395 non-transferable finder’s warrants (“ Finder’s Warrants ”) in respect of subscribers introduced to Signal Gold by such finders. The Finder’s Warrants are exercisable to acquire one NFT Share at a price of $0.11818 for a period of 24 months from the date of issuance. The securities offered in the Hard Dollar Financing have not been, and will not be, registered under the United States Securities Act of 1933, as amended (the “ U.S. Securities Act ”), or any U.S. state securities laws, and may not be offered or sold in the United States or to, or for the account or benefit of, United States persons absent registration or any applicable exemption from the registration requirements of the U.S. Securities Act and applicable U.S. state securities laws. This news release shall not constitute an offer to sell or the solicitation of an offer to buy securities in the United States, nor shall there be any sale of these securities in any jurisdiction in which such offer, solicitation or sale would be unlawful. Debt Restructuring Further to the Companies’ news release dated October 10, 2024, NexGold has agreed to the final terms with Nebari to complete a restructuring of NexGold and Signal Gold’s respective debt facilities, which will significantly reduce the debt profile of the combined entity going forward, with the definitive documentation to be released from escrow immediately following the effectiveness of the Transaction. Pursuant to the transactions with Nebari, Signal Gold’s outstanding credit facility of approximately US$20.8 million with Nebari and NexGold’s US$6.2 million facility with Extract Capital will be repaid. A new US$12.0 million facility with Nebari will be implemented that will have a 30-month term with an interest rate of 11.4%, payable monthly in arrears and secured against both the Goliath and Goldboro Projects. Existing warrants associated with the Nebari facility with Signal Gold will be cancelled, and 3,160,602 new warrants will be issued to Nebari with an exercise price of $1.00 per NEXG Share with a term of 30 months. In addition, the transactions contemplate the granting of a 0.6% NSR on the Goldboro Project to Nebari for US$6.0 million, which includes a 100% buy-back right for the first 30 months at the Company’s option. If the royalty is not repurchased during the 30-month period, then the royalty rate shall increase to 2.0%. The repurchase amount of the royalty shall be US$7.2 million (if exercised within the first 12 months), US$8.4 million (if exercised within the second 12 months), or US$9.6 million (if exercised within the last 6 months), plus certain additional adjustments for taxes up to a maximum amount of US$600,000. Subject to the mutual agreement of NexGold and Nebari and the prior acceptance of the TSX Venture Exchange, the repurchase may be satisfied by the issuance of common shares of NexGold (the additional adjustment for taxes may also be satisfied by the issuance of common shares of NexGold at NexGold’s election, provided it obtains the prior acceptance of the TSX Venture Exchange). The proposed new loan and royalty, together with a proposed US$4.0 million equity placement with Nebari (the “ Equity Placement ”) and certain proceeds from the Hard Dollar Financing, will be used to retire the existing debt. The Equity Placement will be comprised of the issuance of an aggregate of 8,000,000 common shares of the Company at an issue price of C$0.70 per share. Please refer to the October 10, 2024, October 23, 2024, and November 6, 2024 news releases for additional details regarding the Transaction and proposed debt restructuring to be carried out in connection with the Transaction. About NexGold Mining Corp. NexGold Mining Corp. is a gold-focused company with assets in Canada and Alaska. NexGold’s Goliath Project (which includes the Goliath, Goldlund and Miller deposits) is located in Northwestern Ontario. The deposits benefit substantially from excellent access to the Trans-Canada Highway, related power and rail infrastructure and close proximity to several communities including Dryden, Ontario. For information on the Goliath Project, refer to the technical report, prepared in accordance with NI 43–101, entitled ‘Goliath Gold Complex – NI 43–101 Technical Report and Prefeasibility Study’ and dated March 27, 2023, with an effective date of February 22, 2023, led by independent consultants Ausenco Engineering Canada Inc. The technical report is available on SEDAR+ at www.sedarplus.ca , on the OTCQX at www.otcmarkets.com and on NexGold’s website at www.nexgold.com . NexGold also owns several other projects throughout Canada, including the Weebigee-Sandy Lake Gold Project JV, and grassroots gold exploration property Gold Rock. In addition, NexGold holds a 100% interest in the high-grade Niblack copper-gold-zinc-silver VMS project, located adjacent to tidewater in southeast Alaska. NexGold is committed to inclusive, informed and meaningful dialogue with regional communities and Indigenous Nations throughout the life of all our Projects and on all aspects, including creating sustainable economic opportunities, providing safe workplaces, enhancing of social value, and promoting community well- being. Further details about NexGold are available on NexGold’s website at www.nexgold.com . About Signal Gold Inc. Signal Gold is advancing the Goldboro Project in Nova Scotia, a significant growth project subject to a positive Feasibility Study which demonstrates an approximately 11-year open pit life of mine with average gold production of 100,000 ounces per annum and an average diluted grade of 2.26 grams per tonne gold. For further details, refer to the technical report entitled ‘NI 43-101 Technical Report and Feasibility Study for the Goldboro Gold Project, Eastern Goldfields District, Nova Scotia’ dated January 11, 2022, with an effective date of December 16, 2021. The technical report is available on SEDAR+ at www.sedarplus.ca , on the OTCQX at www.otcmarkets.com and on Signal Gold’s website at www.signalgold.com . On August 3, 2022, the Goldboro Project received its environmental assessment approval from the Nova Scotia Minister of Environment and Climate Change, a significant regulatory milestone, and Signal Gold has now submitted all key permits including the Industrial Approval, Fisheries Act Authorization and Schedule 2 Amendment, and the Mining and Crown Land Leases. The Goldboro Project has significant potential for further Mineral Resource expansion, particularly towards the west along strike and at depth, and Signal Gold has consolidated 28,525 hectares (~285 km 2 ) of prospective exploration land in the Goldboro Gold District. For more information on Signal Gold, please visit Signal Gold’s website at www.signalgold.com . Technical Disclosure and Qualified Persons Adam Larsen, B.Sc., P. Geo., Director of Exploration of NexGold, is a “qualified person” within the meaning of National Instrument 43-101 Standards of Disclosure for Mineral Projects (“ NI 43-101 ”) and has reviewed and approved the scientific and technical information in this news release regarding the Goliath Project on behalf of NexGold. Kevin Bullock, P. Eng., President, CEO and Director of Signal Gold, is a “qualified person” within the meaning of NI 43-101 and has reviewed and approved the scientific and technical information in this news release regarding the Goldboro Project on behalf of Signal Gold. Contact: Cautionary Note Regarding Forward-Looking Information Certain information set forth in this news release contains "forward‐looking statements" and "forward‐looking information" within the meaning of applicable Canadian securities legislation and applicable United States securities laws (referred to herein as forward‐looking statements). Except for statements of historical fact, certain information contained herein constitutes forward‐looking statements which includes, but is not limited to, statements with respect to: completion of the proposed Transaction, including receipt of all necessary court, shareholder and regulatory approvals, and the timing thereof; and the combined company’s intended use of the net proceeds from the Hard Dollar Financing. Forward-looking statements are often identified by the use of words such as "may", "will", "could", "would", "anticipate", "believe", "expect", "intend", "potential", "estimate", "budget", "scheduled", "plans", "planned", "forecasts", "goals" and similar expressions. Forward-looking statements are based on a number of factors and assumptions made by management and considered reasonable at the time such information is provided. Assumptions and factors include: the successful completion of the Transaction (including receipt of all regulatory approvals, shareholder and third-party consents) and the debt restructuring documents being released from escrow; the ability of the combined company to complete its planned exploration programs; the absence of adverse conditions at mineral properties; and the price of gold remaining at levels that render mineral properties economic. Forward‐looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such forward‐looking statements. These risks and uncertainties include, but are not limited to: risks related to the Transaction, including, but not limited to, the ability to obtain necessary approvals in respect of the Transaction and to consummate the Transaction and the debt restructuring; general business, economic and competitive uncertainties; delays in obtaining governmental approvals or financing; and management's ability to anticipate and manage the foregoing factors and risks. Although the companies have attempted to identify important factors that could cause actual actions, events or results to differ materially from those described in the forward-looking statements, there may be other factors that cause actions, events or results not to be as anticipated, estimated or intended. Readers are advised to study and consider risk factors disclosed in NexGold’s and Signal Gold’s annual information forms for the year ended December 31, 2023, available on www.sedarplus.ca. There can be no assurance that forward‐looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. The companies undertake no obligation to update forward‐looking statements if circumstances or management's estimates or opinions should change except as required by applicable securities laws. The forward-looking statements contained herein are presented for the purposes of assisting investors in understanding the companies' plans, objectives and goals, including with respect to the Transaction, and may not be appropriate for other purposes. Forward-looking statements are not guarantees of future performance and the reader is cautioned not to place undue reliance on forward‐looking statements. This news release also contains or references certain market, industry and peer group data, which is based upon information from independent industry publications, market research, analyst reports, surveys, continuous disclosure filings and other publicly available sources. Although NexGold and Signal Gold believe these sources to be generally reliable, such information is subject to interpretation and cannot be verified with complete certainty due to limits on the availability and reliability of raw data, the voluntary nature of the data gathering process and other inherent limitations and uncertainties. NexGold and Signal Gold have not independently verified any of the data from third party sources referred to in this news release and accordingly, the accuracy and completeness of such data is not guaranteed. Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this news release. No stock exchange, securities commission or other regulatory authority has approved or disapproved the information contained herein.