"Cyberpunk 2077" has been a hot topic in the gaming world since its release. Despite some initial setbacks, the game has garnered a loyal following and critical acclaim. Gamers have been impressed by the game's futuristic world, captivating story, and immersive gameplay. "Cyberpunk 2077" has set a new standard for open-world RPGs and is a deserving winner of the Best PC Game award.KEMI Badenoch last night threatened to tear up human rights laws and stop migrants claiming benefits in a bid to tame rampant population growth. Vowing to “tell the truth on immigration ,” she used her first major speech as Tory leader to warn: “This country is not a dormitory or a hotel, it is our home.” She pledged a “strict” cap on arrivals with visas only doled out to those who “will make a substantial and clear overall contribution”. And the Opposition chief promised to review Britain’s membership of the European Court of Human Rights and its basis in UK law . Both policies mark a hardening in her position since she ran for the leadership and were adopted by her rival Robert Jenrick . Taking aim at Labour and her Conservative governments on immigration, she attacked the “failure of politics over the last thirty years” to “gloss over it or make it a fringe issue”. Read more on Kemi Badenoch She also took aim at Home Office civil servants who would “much rather be working in a charity , helping people with asylum” than controlling borders. Ms Badenoch said: “Millions want to come here, but we as politicians have to do right by the citizens of this country, before anyone else. “Our country cannot sustain the numbers we have seen. We are reducing the quality of life for people already here. “Because immigration is at a pace too fast to maintain public services, and at a rate, where it is next to impossible to integrate those from radically different cultures.” Most read in The Sun She vowed to tighten citizenship and settlement criteria so a British part is “earned not an automatic right”. Her Shadow Home Secretary Chris Philp added: “Speaking honestly, I am troubled that over a million people in the UK – over a million - can’t speak English either well or at all.” Ms Badenoch also warned there would be “zero tolerance for foreign criminals remaining in the UK” if she becomes PM. She added: “We will look at the access of migrants and any dependents to welfare and public services.” And a Rwanda-like plan is still the Tory ambition to deter small boat crossings. Reform leader Nigel Farage gave the speech short shrift, slamming: “The Conservative Party have broken their promises on immigration after the 2010, 2015, 2017 and 2019 manifestos. “Why on earth would I or anyone else believe them now.” Labour’s Migration Minister Angela Eagle said: “It’s welcome the Tories finally accept that immigration spiralled out of control on their watch. “But Kemi Badenoch offers no new ideas or alternatives to her party’s failed policies of the past.”
The leak of the DJI Flip on Amazon has caused a stir in the drone community, with many enthusiasts eagerly awaiting more information about this groundbreaking new product. The drone is said to be designed for both professionals and hobbyists, offering advanced features in a compact and lightweight package. Its small size and portability make it ideal for on-the-go filming and exploring new creative possibilities.Losses for big technology stocks pulled major indexes lower on Wall Street. The S&P 500 fell 0.4% Wednesday. The Dow Jones Industrial Average slipped 0.3% from its record high a day earlier, and the Nasdaq composite lost 0.6%. Losses for Nvidia, Microsoft and Broadcom were the biggest weights on the market. Dell sank 12.2% after reporting revenue that fell shy of forecasts, and HP dropped 11.4% after giving a weaker-than-expected outlook. Treasury yields fell in the bond market. U.S. financial markets will be closed Thursday for Thanksgiving, and will reopen for a half day on Friday. On Wednesday: The S&P 500 fell 22.89 points, or 0.4%, to 5,998.74. The Dow Jones Industrial Average fell 138.25 points, or 0.3%, to 44,722.06. The Nasdaq composite fell 115.10 points, or 0.6%, to 19,060.48. The Russell 2000 index of smaller companies rose 1.88 points, or 0.1%, to 2,426.19. For the week: The S&P 500 is up 29.40 points, or 0.5%. The Dow is up 425.55 points, or 1%. The Nasdaq is up 56.83 points, or 0.3%. The Russell 2000 is up 19.52 points, or 0.8%. For the year: The S&P 500 is up 1,228.91 points, or 25.8%. The Dow is up 7,032.52 points, or 18.7%. The Nasdaq is up 4,449.12 points, or 27%. The Russell 2000 is up 399.12 points, or 19.7%.However, what truly surprised and impressed fans was the news of Wang Shilong's venture into the world of driving. Despite her young age, the nine-year-old daughter of Li Xiang has set her sights on obtaining a driver's license in London, one of the most prestigious and challenging places to learn how to drive. Wang Shilong's determination and ambition have earned her a round of applause from supporters, as they marvel at her courage and drive to achieve such a feat at such a tender age.
With so much at stake, this match is sure to be a must-watch for football fans around the world. The tactical battle between the two sides, the individual duels between top players, and the sheer drama and excitement of Champions League football are all set to make this a memorable encounter.Jake Paul vs. Mike Tyson attracted more than 100 million total viewers to watch the boxing match between a social influencer against an all-time great heavyweight but the event wasn’t without distractions thanks to a multitude of streaming issues at Netflix. With a platform that boasts over 282 million subscribers worldwide, Netflix has only dabbled in live event programming over the years but that business ramps up in a massive way starting in December with a pair of NFL games on Christmas day followed by the debut of WWE’s flagship show Monday Night Raw in January. While there were plenty of complaints about streams freezing, dying or just becoming inaccessible during the fight, Netflix chief content officer Bela Bajaria says the experience was a necessary growing pain as the company moves more and more into live streaming. “We expected a big number, for sure,” Bajaria said during a press event on Wednesday. “It was a big number. But again, you don’t know, and you can’t learn these things until you do them so you take a big swing. Our teams and our engineers are amazing, moved super quickly, and stabilized it, and many of the members had it back up and running pretty quickly. “But we learn from those things. And we’ve all obviously done a lot of stuff to learn and get ready for the NFL and Beyoncé at halftime and so we’re totally ready and excited for WWE.” WWE inked a huge 10 year deal worth $5 billion to move Raw to Netflix from the USA Network as the company that shares space with the UFC under TKO Group Holdings continues to embrace streaming platforms for major shows and events. A few years ago, WWE shifted focus from pay-per-view to what they now call “premium live events” that currently air on the Peacock network exclusively with fans required to have a subscription to that service but pay no other cost to watch those shows. Now WWE is banking on Netflix providing the company an even bigger platform starting in January and that relationship could potentially serve as a harbinger for the UFC’s upcoming broadcast rights deal with negotiations kicking off in 2025. But issues over the stability of streaming at Netflix had many fans concerned about future live broadcasts but Netflix seems ready to answer the call after a few unexpected hiccups. “Whenever we do live events, we want it to go smoothly for every single one of our members,” Bajaria said. “That’s really important—also, to put it in perspective, it was 65 million concurrent streams, right? It was a very successful night. A lot of people [watched], the scale was very big, which is great. There’s a lot of interest in it.” As of now, the UFC’s deal with ESPN runs through the end of 2025 so there’s no telling if Netflix could potentially become a player for the broadcast rights deal but talks are expected to begin early next year. While streaming problems plagued the Paul vs. Tyson card, WWE chief content officer Paul “Triple H” Levesque admitted that for over 60 million viewers, the professional wrestling outfit won’t complain about a few bumps in the road. “I’ll just say, if it blinks a couple of times and we do 60 million, I’m good with that,” Levesque said with a laugh.
The hefty fine imposed on the store highlighted the seriousness of the offense and served as a stark warning to other businesses engaging in similar practices. While the store had only made a paltry $1.3 from selling the contaminated vegetables, the penalty of $100,000 sent a clear message that the authorities would not tolerate compromises on food safety standards.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. 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Semiconductor, a leading semiconductor company known for its cutting-edge technology and innovative products, has seen a surge of interest from large funds looking to get in on the action. With a focus on research and development, Semiconductor has positioned itself as a key player in the semiconductor industry, with a track record of delivering top-notch products to its customers. This has not gone unnoticed by investors, who see the company's potential for long-term growth and success.Shopify Inc. Cl A stock rises Wednesday, still underperforms market