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FBI director says he intends to resign at end of Joe Biden’s term
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.During the annual holiday season, the Pittsburgh Steelers under Mike Tomlin have far too often been in quite the requisite giving mood. As in, giving back leads in the AFC North race. Giving up ground in the conference standings. Giving away higher playoff seedings. Even giving up what appeared to be all but sewed-up playoff berths. Reeling after a three-game December losing streak? It’s a familiar feeling in Pittsburgh. A trio of recent defeats over an 11-day span not only threatens to sabotage what was looking like a highly promising season – it’s conjuring up bad memories of December collapses of recent seasons past. For the fifth time over the past seven seasons, the Steelers have a three-game losing streak that started sometime after Week 12. Three times earlier in the Tomlin tenure that began in 2007, a similar late-season swoon helped crater a season that appeared on track for something much more memorable. Here’s a look back at seven instances that range somewhere on a spectrum from “slump/course-correction” to “utter disastrous collapse” for the Steelers over the past 18 years: 2007 Tomlin’s first team shot out of the gates to starts of 7-2 and 9-3. Though they never were going to catch the historic New England Patriots of that season (who ended up 16-0), a first-round bye via the No. 2 seed was well within play. Instead, the Steelers lost four of the final five they played – including the postseason, when their fall to the No. 4 seed meant a matchup with an ascending Jacksonville team that had beat them three weeks prior. Three of the four defeats – including one to those aworld-beating Patriots – came to playoff teams, and the fourth was when the Steelers were resting starters in a meaningless finale. As far as “collapses” go, this was mild. But it did foreshadow more. 2009 Fresh off their second Super Bowl win in four years, these Steelers were riding high at 6-2 at the season’s midpoint. An almost unfathomable five-game losing streak followed. Only one of the opponents in that five-game stretch had a winning record, and three were among the NFL’s worst teams that season – the Kansas City Chiefs came in to their game against the Steelers at 2-7, the Oakland Raiders we 3-8 and the Cleveland Browns 1-11. Though the Steelers rallied by winning their final three (all against contending teams) by then it was too little, too late. The damage had been done. There would be no chance at a Super Bowl repeat. 2012 The 2009 team was the lone unit among Tomlin’s first five seasons that sat out the postseason. The 2012 Steelers appeared poised to make it five of six in the playoffs after a Week 10 win against the Kansas City Chiefs improved them to 6-3 and extended their winning streak to four. But an injury to Ben Roethlisberger began a slide that ended up five losses in six games – the final three of which, even with Big Ben. The Steelers avoided a losing season with a Week 17 home win against the 5-10 Browns that to this day remains the only game Tomlin has coached in which the Steelers kicked off already eliminated for postseason contention. 2018 This season began with the star running back staying away because of contract dispute – and it ended with the superstar wide receiver on a de facto team suspension. In between all the drama surrounding Le’Veon Bell and Antonio Brown, the Steelers got off to a 7-2-1 start that made for a 2 1⁄2-game division lead with six games to play. Few could have foreseen a three-game losing streak and a stretch of four losses in five games that ironically included a rare win over the Tom Brady/Bill Belichick Patriots. A hard-fought 31-28 Week 16 loss at the Super Bowl-contending New Orleans Saints ended up the death knell. After beating the Bengals in the finale, players remained on the Hienz Field grass to watch the end of the Ravens-Browns game on the big screen. Cleveland, though, couldn’t muster an upset, and the Ravens won the AFC North while the Steleers stayed home for the playoffs. 2019 Truth be told, these Steelers probably overachieved to get to 8-5 after a 1-4 start and season-ending injury to Roethlisberger that compelled training-camp QB4 Devlin “Duck” Hodges to start six games. Still, seven wins over an eight-game stretch left the Steelers with everything they wanted out in front of them when they headed into the final three-week stretch. A victory in just one of those three games would have gotten the Steelers into the postseason. Instead, they scored exactly 10 points in each and stayed home in January. 2020 The starkest collapse of them all, the Steelers adapted to the odd circumstances of the “covid season” by improving to 11-0 with a repeatedly-postponed, Wednesday afternoon win against Baltimore on Dec. 2. Five days later, a 23-17 home loss to an ordinary Washington Football Team began a spiral that dropped the Steelers from legitimate chatter of entering the realm of one of the best NFL team seasons of all time to scratching and clawing just to win the division. The Steelers lost three consecutive and four of five to close out the regular season. The ultimate indignity, though, was the “little brother” Browns stomping them in Hienz Field for what remains that franchise’s lone playoff win over the past three decades. By the time Cleveland had a 28-0 lead less than 14 minutes in, that “perfect season” chatter was a laughably distant memory. 2023 Last year’s Steelers get full credit for successfully pulling out of their late-season tailspin – albeit, one that still ended with a one-and-done postseason run. And it took a switch at quarterback, as third-stringer Mason Rudolph saved the season after Kenny Pickett and Mitch Trubisky combined to upend a season that started out with six victories in nine games to one that was almost torpedoed by two home defeats over a five-day span to teams that came in with 2-10 records (Arizona and New England). The low point came the following week in a 30-13 shellacking at a team the Steelers were competing with for a playoff spot, Indianapolis. Kudos to the Steelers, though, for winning their next three to earn the AFC’s final postseason berth. 2024 The 12 days that led into this Christmas dropped the Steelers from contention for the No. 1 or No. 2 seed in the AFC playoffs all the way down to where a No. 6 or No. 7 seed is very much in play. A division title that the Steelers had a chance to wrap up a week ago now is highly unlikely to materialize. The Steelers sat at 10-3 and with seven wins in eight outings when they traveled to Philadelphia for the Dec. 15 game they would lose by two touchdowns. Six days later, not only did they not clinch the AFC North in Baltimore they buoyed the Ravens into control of the division with a 34-17 beatdown. Then came Wednesday’s 29-10 humiliation at the hands of the Chiefs on Christmas Day. Luckily for these Steelers, the playoffs are assured. 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Tarleton St. 61, Hofstra 59At a town hall meeting with the bureau workforce, Mr Wray said he would be stepping down “after weeks of careful thought”. Mr Wray’s intended resignation is not unexpected considering that Mr Trump had picked Mr Patel for the role in his new administration. Mr Wray had previously been named by Mr Trump and began the 10-year term — a length meant to insulate the agency from the political influence of changing administrations — in 2017, after Mr Trump fired then-FBI director James Comey. Mr Trump had demonstrated his anger with Mr Wray on multiple occasions, including after Mr Wray’s congressional testimony in September. “My goal is to keep the focus on our mission — the indispensable work you’re doing on behalf of the American people every day,” Mr Wray told agency employees. “In my view, this is the best way to avoid dragging the bureau deeper into the fray, while reinforcing the values and principles that are so important to how we do our work.” Mr Wray continued: “It should go without saying, but I’ll say it anyway — this is not easy for me. I love this place, I love our mission, and I love our people — but my focus is, and always has been, on us and doing what’s right for the FBI.” Mr Wray received a standing ovation following his remarks before a standing-room-only crowd at FBI headquarters and some in the audience cried, according to an FBI official who was not authorised to discuss the private gathering and spoke on condition of anonymity to The Associated Press. Mr Trump applauded the news on social media, calling it “a great day for America as it will end the weaponisation of what has become known as the United States Department of Injustice” and saying that Mr Patel’s confirmation will begin “the process of Making the FBI Great Again”. If confirmed by the Senate, Mr Patel would herald a radical leadership transformation at the nation’s premier federal law enforcement agency. He has advocated shutting down the FBI’s Washington headquarters and called for ridding the federal government of “conspirators”, raising alarm that he might seek to wield the FBI’s significant investigative powers as an instrument of retribution against Mr Trump’s perceived enemies. Mr Patel said in a statement Wednesday that he was looking forward to “a smooth transition. I will be ready to serve the American people on day one”.17 Education & Technology Group Inc. Announces Third Quarter 2024 Unaudited Financial ResultsHims & Hers New Growth Category Is a Huge Surprise