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NEW YORK — Connor Gaydos, a man connected to an apparent parody project to relaunch the energy company Enron and become its new CEO , was hit in the face with a pie this week as he was entering a building in New York City. The incident was caught on video and went viral on social media Thursday. The clip shows Gaydos exiting an SUV shortly before an older man slams the pie into his face as two bodyguards intervene. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.Irish rugby kids steal the show as they celebrate with their dads after Ireland vs Australia match
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For many people, retirement is a major goal and represents a life milestone. Unfortunately, 35% of American workers feel significantly behind when it comes to their retirement savings, according to Bankrate’s 2024 Retirement Savings Survey . The good news is it’s never too late to open a retirement account — or to boost your savings if you already have one. Whether you’re fresh out of school or approaching your golden years, you have options when it comes to planning for retirement. If you’re not sure where to begin, a financial adviser can help you develop a plan that aligns with your time horizon, risk tolerance and goals. Here are some steps to help you get started planning for retirement. 1. Figure out how much money you’ll need First, figure out what kind of life you want to live during retirement and how much money you’ll need to get there. In general, many financial experts recommend saving 10% to 15% of your income for retirement, but this isn’t a hard rule. Another rule of thumb is to have a certain amount of your income saved by a particular age, following these guidelines : —In your 20s, take advantage of starting early by attempting to save 10% of your pay. —By 35, try to have two times your salary saved in retirement accounts. —By 45, aim to have four times your earnings saved. —By 50, your savings should be six times your earnings. However, remember that everyone’s retirement goals differ. How much you will need depends on a number of factors, including your health status and lifestyle. Regardless, the first step is to determine what you want your retirement to look like. Sometimes, writing your goals down can be helpful. Bankrate’s retirement calculator can also help you figure out how much you may need. 2. Open a traditional IRA “The easiest way to get started with a retirement account is to set up an IRA,” says Dan Sudit, partner at Crewe Advisors in Salt Lake City. With an IRA, anyone with earned income can get one, and you don’t have to rely on an employer to provide a plan. Then you can go to a popular financial institution such as Charles Schwab or Fidelity Investments — or the best brokers for IRA accounts — and set one up in minutes. The traditional IRA allows you to deduct contributions from your taxable income, meaning you won’t pay taxes on them, if your income is below a certain level. Contributions and gains can grow tax-deferred for years before having to pay taxes when you withdraw the money during retirement. Contributions are limited to $7,000 in 2025, though those age 50 or older can add an additional $1,000. And there are even a few other benefits for those opening an IRA. “Many people are unaware that for a married couple, even a nonworking spouse may be able to make tax-deductible contributions to a traditional IRA,” says Sudit. It’s called a spousal IRA . Plus, if your income is low enough, you may qualify for an additional tax credit called the Saver’s Credit . 3. Open a Roth IRA A Roth IRA is a different type of IRA that can offer you some attractive benefits as well. With a Roth IRA, you make contributions with after-tax money — so no tax deduction this tax year — but you’ll be able to grow your money tax-free and even take it out tax-free at retirement age. Like the traditional IRA, you’ll need income to participate in a Roth IRA, or you can have a working spouse that qualifies you for one. The Roth IRA also has income limitations, meaning you won’t be able to open one if your income is above a certain level, though you can get around this with a backdoor Roth IRA . The Roth IRA is a powerful retirement account, and it can offer powerful features such as the ability to pass down your nest egg tax-free to your heirs. That’s all part of the reason that many financial planners think the Roth IRA is the best retirement plan around . 4. Get your 401(k) in order The new year is also a great time to refocus on your employer-sponsored 401(k) or get started on one if you haven’t already. The 401(k) plan — or its cousin, the 403(b) for government employees — provides a great way to save for retirement and comes in two varieties: the traditional 401(k) and the Roth 401(k): —The traditional 401(k) allows you to save on a pre-tax basis, meaning you won’t pay income taxes on any contributions. You’ll be able to grow your money tax-deferred, and you’ll pay taxes only when you withdraw your money in retirement. —The Roth 401(k) lets you save on an after-tax basis, meaning you’ll pay taxes on any contributions. However, you can grow your money tax-free, and you’ll never have to pay tax on qualified withdrawals in retirement. And unlike an IRA, “there are no income limits for making contributions to a 401(k),” says Jonathan Cahill, CFP, wealth adviser at Crossgate Wealth Advisors in Yardley, Pennsylvania. But you cannot contribute more than you earn. The maximum annual contribution to a 401(k) is $23,500 in 2025, and those aged 50 to 59 or 64 and older can add an additional $7,500 per year as a catch-up contribution. In 2025, those between 60 and 63 can contribute $11,250 as a catch-up contribution. “Other benefits of a 401(k) plan include creditor protection, the ability to borrow against it or take early distributions without penalty for a first-time homebuyer,” Sudit says. 5. Maximize your employer’s 401(k) match The 401(k) can give you a little extra juice, though, beyond just those contribution limits. That’s because many companies give employees matching funds for contributing to their account. In effect, you get an immediate return on your money. Here’s the fine print. Employers often match a specific percentage of your contribution up to some maximum. For example, one employer might match the first 4% of your contributed salary at a full 100%. So if you contribute 4%, your employer kicks in another 4% and you’ll be putting away a total of 8%. Further contributions won’t earn you any extra match, however. “We would certainly recommend you make contributions to that plan, especially if your company provides a company match,” says Sudit. “That’s free money.” So it’s often an easy way to quickly boost your savings. However, many employers will require this match to “vest,” meaning you’ll need to stay with the company for a period of time, often three or four years, to claim the full benefit. Otherwise, you’ll likely end up with just a partial benefit, and the company will keep any money that remains unvested. 6. Pick your investments So you’re taking advantage of the benefits of a retirement account — but what do you invest in? Sudit advises to focus on potential growth, “focus on long-term goals and what are the best investments over that period of time to get you there.” One of the best long-term investments has been stocks, with attractive returns. The S&P 500 , a collection of about 500 of America’s top companies, has returned about 10% annually over long periods. It’s highly diversified, which helps reduce your risk , and you can buy into the S&P 500 with just one low-cost index fund. But even with the proven track record of solid long-term returns, stocks can be volatile in the short term. Those who are nearer to retirement may want to play it more conservatively, however, and own bonds as well. Bonds are less volatile generally than stocks and deliver regular income. If your company offers a 401(k) plan, you may have access to an adviser who can help direct you and work with you to better understand how your investments fit into your retirement plan. “If you don’t want the responsibility in picking out the funds and allocation, target-date funds can be a suitable option for you,” Cahill says. Target-date funds automatically move your portfolio from riskier investments (such as stocks) to more conservative ones (such as bonds) over time. This process gives you more assurance that your money will be there when you need to access it in retirement. 7. Consider a financial adviser If all of this seems overwhelming – or you just want an extra set of eyes to help you manage your investments – consider hiring a financial adviser to help you develop your retirement plan. Financial advisers can help with general investment management, but they can do much more than that as well. Depending on your needs, they can help you with budgeting, getting insurance, goal-setting, taxes, estate planning and more. Bankrate’s financial adviser matching tool can help match you with an adviser near you in minutes. Bottom line If you’re investing for the long term, it’s a great time to get your finances in order. Remember that often the hardest part is starting, but the sooner you do, the better off you will be. The more time you give your money to compound, the more you’ll have when that special day comes. Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. In addition, investors are advised that past investment product performance is no guarantee of future price appreciation. (Visit Bankrate online at bankrate.com .) ©2024 Bankrate.com . Distributed by Tribune Content Agency, LLC.
How major US stock indexes fared Friday, 12/13/2024China’s Latest Stealth Fighter Shown at Air Show Demonstrates Intent to Rival U.S. Forces, Continuing Military BuildupCOPENHAGEN, Denmark, Dec. 12, 2024 (GLOBE NEWSWIRE) -- Ascendis Pharma A/S (Nasdaq: ASND) today announced that the U.S. Food & Drug Administration (FDA) has accepted for review its supplemental Biologics License Application (sBLA) in adult growth hormone deficiency (GHD) for TransCon hGH (lonapegsomatropin-tcgd; marketed as SKYTROFA® for pediatric GHD). The FDA set a Prescription Drug User Fee Act (PDUFA) goal date of July 27, 2025. “This marks another step towards achieving our objective to expand SKYTROFA’s label beyond pediatric GHD and expand its reach to address new groups of patients,” said Jan Mikkelsen, Ascendis Pharma’s President and Chief Executive Officer. “Adult GHD is an undertreated condition associated with significant comorbidities and higher annual healthcare costs compared to the 5-10% of patients who receive treatment, indicative of the high unmet need.” The sBLA submission is based on results from foresiGHt, a Phase 3 randomized, parallel-arm, placebo-controlled (double-blind) and active-controlled (open-label) trial that compared the efficacy and safety of weekly TransCon hGH with weekly placebo and daily human growth hormone (hGH) in adults with GHD. The trial evaluated 259 adults with GHD aged 23 to 80 years old, randomized 1:1:1, titrated to receive a target fixed dose of TransCon hGH, placebo, or daily hGH based on age and oral estrogen intake with approximately equivalent hGH mg/week for TransCon hGH and daily hGH. TransCon hGH demonstrated superiority on its primary efficacy and key secondary efficacy endpoints at Week 38, with TransCon hGH-treated participants showing a statistically significant reduction from baseline in trunk fat and increase in total body lean mass at Week 38 compared to placebo. In the trial, TransCon hGH was generally safe and well tolerated, with no discontinuations related to study drug and with comparable safety and tolerability to daily hGH treatment. About Adult Growth Hormone Deficiency Growth hormone plays an essential role in the health of children and adults, promoting normal growth in children and maintenance of normal body composition and cardiometabolic health throughout adulthood. In adults, growth hormone boosts protein production, promotes fat utilization, enhances muscle mass, and helps regulate blood sugar levels. Adult GHD is a condition in which an individual’s body does not produce enough growth hormone. Symptoms and morbidity can include central obesity, metabolic syndrome, decreased bone density, alterations in lipid profile and markers of cardiovascular risk, fatigue, general weakness, lack of muscle tone, and psychological symptoms such as cognitive impairment, social isolation, lack of motivation, and depression.1 About Ascendis Pharma A/S Ascendis Pharma is applying its innovative TransCon technology platform to build a leading, fully integrated biopharma company focused on making a meaningful difference in patients’ lives. Guided by its core values of Patients, Science, and Passion, Ascendis uses its TransCon technologies to create new and potentially best-in-class therapies. Ascendis is headquartered in Copenhagen, Denmark and has additional facilities in Europe and the United States. Please visit ascendispharma.com to learn more. Forward-Looking Statements This press release contains forward-looking statements that involve substantial risks and uncertainties. All statements, other than statements of historical facts, included in this press release regarding Ascendis’ future operations, plans and objectives of management are forward-looking statements. Examples of such statements include, but are not limited to, statements relating to (i) the PDUFA goal date for SKYTROFA, (ii) Ascendis’ objective to expand SKYTROFA’s label and reach to address new groups of patients, (iii) Ascendis’ ability to apply its TransCon technology platform to build a leading, fully integrated biopharma company, and (iv) Ascendis’ use of its TransCon technologies to create new and potentially best-in-class therapies. Ascendis may not actually achieve the plans, carry out the intentions or meet the expectations or projections disclosed in the forward-looking statements and you should not place undue reliance on these forward-looking statements. Actual results or events could differ materially from the plans, intentions, expectations, and projections disclosed in the forward-looking statements. Various important factors could cause actual results or events to differ materially from the forward-looking statements that Ascendis makes, including the following: dependence on third party manufacturers, distributors and service providers for Ascendis’ products and product candidates; unforeseen safety or efficacy results in Ascendis’ development programs or on-market products; unforeseen expenses related to commercialization of any approved Ascendis products; unforeseen expenses related to Ascendis’ development programs; unforeseen selling, general and administrative expenses, other research and development expenses and Ascendis’ business generally; delays in the development of its programs related to manufacturing, regulatory requirements, speed of patient recruitment or other unforeseen delays; Ascendis’ ability to obtain additional funding, if needed, to support its business activities; the impact of international economic, political, legal, compliance, social and business factors. For a further description of the risks and uncertainties that could cause actual results to differ from those expressed in these forward-looking statements, as well as risks relating to Ascendis’ business in general, see Ascendis’ prospectus supplement filed on September 20, 2024 and Ascendis’ current and future reports filed with, or submitted to, the U.S. Securities and Exchange Commission (SEC), including its Annual Report on Form 20-F filed with the SEC on February 7, 2024. Forward-looking statements do not reflect the potential impact of any future licensing, collaborations, acquisitions, mergers, dispositions, joint ventures, or investments that Ascendis may enter into or make. Ascendis does not assume any obligation to update any forward-looking statements, except as required by law. Ascendis, Ascendis Pharma, the Ascendis Pharma logo, the company logo, TransCon, and SKYTROFA ® , are trademarks owned by the Ascendis Pharma group. © December 2024 Ascendis Pharma A/S. 1.Hoffman AR, Mathison T, Andrews D, Murray K, Kelepouris N, Fleseriu M. Adult Growth Hormone Deficiency: Diagnostic and Treatment Journeys From the Patients' Perspective. J Endocr Soc. 2022;6(7):bvac077. Published 2022 May 12. doi:10.1210/jendso/bvac077
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Indore (Madhya Pradesh): Citing demand by graduates, Devi Ahilya University Alumni Association (DUAA) has extended the last date for registering for the alumni get-together titled ‘Samagam 2.0’ till December 19. Earlier, the deadline was December 14. A day before the last date, DUAA president Maya Ingle said that they had extended the registration deadline to December 19 owing to requests by alumni who could not apply for the get-together so far. The DUAA has received over 250 registrations for the two-day event on December 23 and 24. Institute of Engineering and Technology leads with around 50 registrations followed by School of Journalism and Mass Communication and School of Chemical Sciences. DUAA joint-secretary Govind Maheshwari is hopeful of speedy registration from here. “Our experience is that the registrations suddenly skyrocket when the event draws closer,” he said. DAVV is all set to host the much-awaited second season of its annual alumni meet bringing together graduates from various teaching departments for a two-day celebration. This year, a special highlight is the inclusion of spouses and children allowing alumni to bring their families to the get-together. The inaugural event will kick-start at the university’s auditorium on UTD campus on December 23, where alumni will gather for a grand opening ceremony. The inaugural event will followed by a cultural programme and dinner. The following day, a series of activities will be held at the departmental level allowing alumni to reconnect with their respective faculties and peers and current students. The departments/institutes have organised recreational activities, industry-academia sessions and more.The 10 Best Automotive Designs Of October 2024Bathinda: On the seventh day of his religious punishment , Shiromani Akali Dal (SAD) leader Sukhbir Singh Badal performed “sewa” (service) at Takht Damdama Sahib at Talwandi Sabo town of Bathinda district on Monday. Sukhbir sat outside as a security guard while wearing a blue robe and holding a spear in his hands. He later washed utensils. Five high priests led by Akal Takht Jathedar Giani Raghbir Singh had read out punishment to Sukhbir and others on Dec 2. Sukhbir performed “sewa” at Darbar Sahib, Amritsar, on Dec 3-4, at Takht Keshgarh Sahib Anandpur Sahib, on Dec 5-6, at Fatehgarh Sahib on Dec 7-8. He would perform “sewa” at Takht Damdama Sahib on Tuesday as well. tnn We also published the following articles recently Sukhbir Singh Badal performs religious sewa at Takhat Damdama Sahib in Bathinda Sukhbir Singh Badal, president of Shiromani Akali Dal, is currently serving a religious punishment. On Monday, the seventh day, he performed 'sewa' at Takhat Damdama Sahib. This follows similar service at other Sikh shrines. Badal was declared 'Tankhaiya' by Akal Takhat for acts committed during his party's rule. On sixth day of penance, Sukhbir Badal performs 'sewa' in Fatehgarh Sahib Sukhbir Singh Badal, a prominent Akali leader, continued his religious penance at Fatehgarh Sahib gurdwara, performing 'sewadar' duties like serving the community and washing dishes. This follows a religious punishment for alleged misconduct during his time as deputy chief minister. Despite Z+ security, including after a recent assassination attempt, Badal fulfilled his duties. Sukhdev Singh Dhindsa performs sewa at Takht Sri Kesgarh Sahib; says well accept Sukhbir if elected again Former MP Sukhdev Singh Dhindsa carried out religious services at Takht Sri Kesgarh Sahib following a directive from Sri Akal Takht Sahib. He condemned the recent gunfire incident at Darbar Sahib, Amritsar, citing concerns about Punjab's law and order. Dhindsa affirmed acceptance of the party's elected president, including Sukhbir Badal, emphasizing the need for Akali Dal unity and generational transition. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .ARLINGTON, Texas (AP) — The roof at the home of the Dallas Cowboys opened without incident and will stay that way for a Monday night meeting with the Cincinnati Bengals. It was to be the first game with the roof open at AT&T Stadium since Oct. 30, 2022, a 49-29 Dallas victory over Chicago. The roof was supposed to be open three weeks ago for Houston's 34-10 victory on another Monday night, but a large piece of metal and other debris fell roughly 300 feet to the field as the retractable roof was opening about three hours before kickoff. The Cowboys decided to close the roof after the incident, and it remained that way for the game. There were no injuries, and the start of the game wasn't delayed. The club said at the time it would investigate the cause with a plan to reopen the roof when it was deemed safe. Wind was cited as a cause for the falling debris. There were gusts of at least 30 mph in the afternoon before the meeting with the Texans. It was sunny with a high in the 70s Monday in the Dallas area, and winds were in the 10 mph range. AP NFL: https://apnews.com/hub/NFL
Buccaneers looking to beat NFC South-rival Panthers and bolster hopes for a playoff berthANNAPOLIS — Northern was awarded the John H. Cox Sportmanship Award this week following the state championship football games last weekend. Cox was the chairman of the MPSSAA (Maryland Public Secondary Schools Athletic Association) Football Committee from 1988 to 2006. After his death in 2007, the MPSSAA created the John H. Cox Sportmanship Award, given to the school that displays the best sportsmanship while competing in the state championship game. The award is given to one team per season regardless of classification. Northern is the second area team to win the award after Mountain Ridge in 2021.