Australian pace spearhead Josh Hazlewood was cleared of injury Friday and will return for the third Test against India at the expense of Scott Boland as play gets underway on Saturday. Watch every ball of Australia v India LIVE & ad-break free during play in 4K on Kayo | New to Kayo? Get your first month for just $1. Limited time offer. MATCH CENTRE: Latest scores, updates from Australia vs India 3rd Test While there are no other changes for Australia’s starting side in Brisbane, there is more uncertainty surrounding how India’s batting line-up could look like, especially after a press conference no-show. India are determined to post a big first innings total at Brisbane, batsman Shubman Gill said Friday after they were skittled cheaply in Adelaide. The visitors were dismissed for just 180 in the second day-night Test after winning the toss and opting to bat, with the hosts then compiling 337. India made only 175 in their second knock, leaving Australia a meagre 19 to win. “As a team, as a batting group we are looking to post a big total first up,” said number three Gill. “That’s been one of the key discussions. Every batsman will have their own game plan, but as a group collectively we will try to get a big first innings score.” In the wake of the Adelaide defeat, which left the five-Test series poised at 1-1, skipper Rohit Sharma was critical of the batting, including his own poor form. “That is the disappointing part, that we didn’t bat well enough,” he said at the time. “Probably were 30-40 runs short with the bat in the first innings.” Rohit, who missed the first Test in Perth, came in at number six in Adelaide, with Yashasvi Jaiswal and KL Rahul retained at the top. There has been talk that he could revert to opener in Brisbane, but he failed to front the traditional pre-match captain’s press conference to discuss the issue. Asked why Rohit was a no-show, Gill alluded to training on Friday being optional and not compulsory. “I think he practised enough,” he said. Pace spearhead Jasprit Bumrah has been carrying a minor groin injury picked up in Adelaide, but trained on Thursday and is expected to be fit. Whether India keep faith with young seamer Harshit Rana remains to be seen. He failed to get a wicket in the second Test and Akash Deep is a potential replacement. Despite being thrashed by 10 wickets in Adelaide, Gill remains optimistic about their Brisbane chances. “We’ve won the last few series (against Australia),” he said. “So there’s no fear. Perhaps if we hadn’t won, maybe.” - AFP WHAT IS THE WEATHER FORECAST? Of course, there is a chance both teams may have to wait until Sunday for the third Test to get underway, with showers and a possible thunderstorm forecast for Brisbane on Saturday. The Bureau of Meteorology is forecasting between zero and 15 millimetres of rain, with a “high chance” of showers, most likely in the morning and afternoon. LIVE BLOG Follow all the action from the third Test in our live blog below! Can’t see it? Click here!Bengaluru: Scientists at Jawaharlal Nehru Centre for Advanced Scientific Research (JNCASR) have developed a novel method to detect the monkeypox virus (MPV), potentially changing how one diagnoses this emerging public health concern. They have identified a route to understand the virology of MPV and develop diagnostic tools for the infection, as well as to find a novel path with therapeutic implications. IPL 2025 mega auction IPL Auction 2025: Who went where and for how much IPL 2025: Complete list of players of each franchise JNCASR is an autonomous institute under the department of science and technology (DST). "Outbreak of MPV, also renamed as Mpox virus, was recently declared a public health emergency of international concern twice in a span of three years. The outbreak raised serious concerns about its unanticipated spread across the globe, as the modes of transmission and symptoms aren't well understood. A comprehensive understanding of virology, alongside the rapid development of effective diagnostic and therapeutic strategies, is of paramount importance," DST said. The research team has identified unique DNA structures called G-quadruplexes (GQs) within the MPV genome that could serve as precise targets for detection. Unlike traditional PCR-based testing methods, which sometimes struggle to differentiate between specific and non-specific results, this new approach offers remarkable precision. "The team developed a specialised molecular probe called BBJL that shows more than a 250-fold increase in fluorescence when it binds to specific MPV genetic sequences," DST said. Importantly, these target sequences are unique to MPV and absent in other pox viruses, pathogens, or the human genome, potentially eliminating false positives. "This represents an expansion of our diagnostic platform that was originally developed for Covid-19 detection," explained the research team. The probe remains non-fluorescent until it encounters the target MPV sequences, making it a reliable diagnostic tool. "Beyond detection, the discovery has therapeutic implications. The identified GQ sequences, stable under physiological conditions, could serve as targets for future antiviral treatments. The research team is currently conducting additional mapping of the MPV genome to identify more potential therapeutic targets," DST said. Researchers, who have filed a patent for their method, feel it could help address the challenges in understanding the virus' transmission and improving diagnostic accuracy.Syrian government forces withdraw from central city of Homs as insurgent offensive accelerates
Cardiff microwave factory of Panasonic will generate all its power needs from renewablesADNOC Logistics and Services plc (ADNOC L&S) announced today it has taken delivery of ‘Al Shelila,’ the first of six new-build Liquified Natural Gas (LNG) carriers from Jiangnan Shipyard in China. The vessel has been delivered two months ahead of schedule, with the remaining five expected to be delivered in 2025 and 2026. Immediately after delivery, “Al Shelila” will go on hire with a top-tier, global energy trader. Al Shelila’s naming and delivery ceremony was attended by Muhannad Sulaiman Al Naqbi, UAE Consul-General in Shanghai, Captain Abdulkareem Al Masabi, CEO of ADNOC L&S, Lin Ou, Chairman of Jiangnan Shipyard, Tony Liang, General Manager, Wanhua Chemical Group, Rong Yao of CSTC, Norbert Kray of DNV and Sebastien Fatet of GTT. Al Masabi said, “As we expand our fleet to meet rising global demand for natural gas, our deepening partnership with Jiangnan Shipyard underscores the strong industrial ties between the UAE and China, reinforcing our shared commitment to powering global economic growth.” ADNOC L&S awarded shipbuilding contracts to Jiangnan Shipyard in 2022 for the six LNG carriers as part of the Company’s strategic fleet expansion to meet the growing global demand for natural gas as a lower-carbon energy source. During 2024, the Company further strengthened and modernised its asset base with new build contracts for up to 23 new energy-efficient vessels, including 8-10 LNG carriers, nine Very Large Ethane Carriers (VLECs) and four Very Large Ammonia Carriers (VLACs), adding in excess of 340 years of contracted income year-to-date. In addition, the Navig8 acquisition is progressing well through regulatory approvals, with completion anticipated by 31st March 2025 at the latest. The expected contribution of the acquisition will further boost ADNOC L&S’ profile as a global energy maritime logistics leader. Lin Ou commented, “Under the great trust and support of ADNOC L&S, DNV, GTT and all relevant parties, Jiangnan has completed the construction of the first Mark III type large LNG carrier two months ahead of schedule. As a global leading shipbuilding company specialised in the full series of gas carriers, Jiangnan has demonstrated its comprehensive shipbuilding ability again. We are committed to delivering the remaining LNG carriers, VLECs and VLACs on time to support ADNOC L&S in its ambitious fleet expansion, and further strengthen our strategic cooperation.” Al Shelila has a capacity of 175,000m3, significantly larger than the 137,000m3 capacity of ADNOC L&S’ current LNG carriers. Equipped with advanced energy-efficient technologies, including two new-generation LNG dual-fuel main engines, the vessel is designed to reduce methane emissions by up to 50% compared to older-generation technology. The partnership between ADNOC L&S and Jiangnan Shipyard continues to strengthen. In 2020, AW Shipping, the strategic venture between ADNOC L&S and Wanhua Chemical, awarded Jiangnan Shipyard shipbuilding contracts for five Very Large Gas Carriers. This collaboration expanded in 2024 with further contracts for nine VLECs and four VLACs. Source: ADNOC Logistics and Services plc (ADNOC L&S)The year in money: inflation eased, optimism ticked upward
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Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | The year in money: inflation eased, optimism ticked upward Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | How to protect your communications through encryption Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. 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.
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