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A new University of Arizona study finds an emerging trend of millennials reevaluating their retirement plans due to uncertainties related to climate change. Fifty participants, ages 26 to 41, were interviewed over Zoom. The study was led by Marissa Hettinger, a graduate student in the Norton School of Ecology of UA’s College of Agriculture, Life and Environmental Sciences, who is studying human development and family science. “Millennials are the first generation to reach retirement-savings-age amid the climate crisis,” Hettinger said in a UA news release. “As a millennial myself, I was interested in understanding how we think about preparing for the future and how climate change impacts our choices. ... When our parents and the generations before them set up their 401k and Roth IRAs, they weren't necessarily thinking about the impacts of climate change when they reach retirement age.” The participants were asked numerous questions about their perceptions, behaviors and emotions about financial planning in the context of climate change and potential "climate stress." All the interviews were then sifted to identify prevalent themes and shared points of view. Emotions from fear to hope were expressed. At one end, participants predicted worsening climate conditions would lead to “hesitation or apathy” about financial investments. At the other, they said they were hoping for sustainability, government action and community initiatives in the future. Parenthood was an important distinction — participants with children projected more anxieties about future climate change and wanted to be more deliberate in investing in their children’s futures. Their approaches to retirement planning and financial security for their families include investing in sustainable funds or companies with strong environmental, social and governance practices, as well as supporting community-oriented strategies or local government initiatives that bolster climate resilience. Participants wish for a greater level of transparency and guidance from employers, financial advisors and policymakers about accessible options for environmentally conscious financial planning. The findings have been published in the Journal of Family and Economic Issues . Researchers Hettinger, associate professor of retailing and consumer science Sabrina Helm and graduate student Kealie Walker, acknowledged the small size of the research pool; that the participants were mostly millennials with a certain level of financial education and engagement; and that the pool didn't include diversity of perspectives, according to the UA news release. “We expected there to be a group of people who see climate change as a reason to save more, while others want to use their resources now and enjoy life,” Helm said. “But I was happy to see proactive coping strategies in their savings behavior. We are generally more concerned about millennials, because they tend to have lower retirement savings than other generations before them. Financial literacy, particularly among younger people, is comparatively low.” The researchers intend for their future studies to also focus on Gen Z and Gen X, and to take into consideration different cultural and socio-economic factors. Reporter Prerana Sannappanavar covers higher education for the Arizona Daily Star and Tucson.com . Contact her at psannappa1@tucson.com or DM her on Twitter . Subscribe to stay connected to Tucson. A subscription helps you access more of the local stories that keep you connected to the community. Want to see more like this? Get our local education coverage delivered directly to your inbox. Higher Education Reporter
FRAI Urges Govt To Provide Enhanced Tech Platforms To Kirana Stores To Help Them Compete With Quick CommerceNEW YORK (AP) — Minnesota pitchers Justin Topa and Brock Stewart agreed to one-year contracts ahead of Friday's tender deadline along with fellow right-hander Triston McKenzie of Cleveland and Cole Sulser of Tampa Bay. Agreements and non-tenders reduced players eligible for arbitration to 169 from 238 at the start of last week. Teams and players are to exchange proposed arbitration salaries on Jan. 9, 2025, and those who don’t reach agreements will be scheduled for hearings from Jan. 27 through Feb. 14, 2025, in St. Petersburg, Florida. Topa was guaranteed $1,225,000 as part of a deal that included a $1 million salary for 2025 and a $2 million team option for 2026 with a $225,000 buyout. Stewart agreed to an $870,000 salary and can earn $30,000 in bonuses for days on the active roster: $10,000 for 112 and $20,000 for 142. McKenzie agreed to a $1.95 million, one-year contract and Sulser to a one-year deal that pays $900,000 in the major leagues and $450,000 while in the minors. AP MLB: https://apnews.com/hub/MLB
NEW YORK (AP) — In an angry outburst in a New York courtroom, Rudy Giuliani accused a judge Tuesday of making wrong assumptions about him as he tries to comply with an order requiring him to turn over most of his assets to two election poll workers who won a libel case against him. U.S. District Judge Lewis J. Liman responded by saying he’s not going to let the former New York City mayor and onetime presidential candidate blurt things out anymore in court unless he’s a sworn witness. The interruption to an otherwise routine pretrial hearing in Manhattan came as the judge questioned Giuliani's lawyer about why Giuliani has not yet provided the title to a car he has relinquished in his effort to satisfy a $148 million defamation judgment won by two former Georgia election workers. “Your client was the U.S. attorney for this district,” the judge said, referring to Giuliani's years in the 1980s as the head of the federal prosecutor's office in the Southern District of New York, as he suggested it was hard to believe that Giuliani was incapable of getting a duplicate title to the car. Giuliani learned forward and began speaking into a microphone, telling the judge he had applied for a duplicate copy of the car's title but that it had not yet arrived. “The implication I’ve been not diligent about it is totally incorrect,” Giuliani said in a scolding tone. “The implication you make is against me and every implication against me is wrong.” Giuliani went on: "I’m not impoverished. Everything I have is tied up. I don’t have a car. I don’t have a credit card. I don’t have cash. I can’t get to bank accounts that truly would be mine because they have put ... stop orders on, for example, my Social Security account, which they have no right to do.” Liman responded by warning defense lawyers that the next time Giuliani interrupts a hearing, “he's not going to be permitted to speak and the court will take action.” The judge said Giuliani could either choose to represent himself or let lawyers do so, but “you can't have hybrid representation.” If Giuliani wants to speak in court again, he can be put on the witness stand and be sworn as a witness, Liman added. The exchange came at a hearing in which the judge refused to delay a Jan. 16 trial over the disposition of Giuliani’s Florida residence and World Series rings. Those are two sets of assets that Giuliani is trying to shield from confiscation as part of Liman's order to turn over many prized possessions to the poll workers. Earlier in the proceeding, defense attorney Joseph M. Cammarata asked Liman to delay the trial, which will be heard without a jury, for a month because of Giuliani's “involvement" in inauguration planning for President-elect Donald Trump. “My client regularly consults and deals directly with President-elect Trump on issues that are taking place as the incoming administration is afoot as well as (the) inauguration," Cammarata said. "My client wants to exercise his political right to be there.” The judge turned down the request, saying Giuliani's “social calendar” was not a reason to postpone the trial. Giuliani, who once served as Trump's personal attorney, was found liable last year for defaming two Georgia poll workers by falsely accusing them of tampering with ballots during the 2020 presidential election. The women said they faced death threats after Giuliani falsely claimed they sneaked in ballots in suitcases, counted ballots multiple times and tampered with voting machines.