Meanwhile, A-shares experienced a substantial uptick, with many individual stocks witnessing sharp increases in their prices. The overall positive trend in A-shares was attributed to several factors, including favorable economic data, strong corporate earnings reports, and an overall improvement in market sentiment following recent policy interventions aimed at stabilizing the stock market.
Another game that has captured the attention of players is the innovative indie title "Inscryption," developed by Daniel Mullins Games. Combining elements of deck-building, puzzle-solving, and narrative exploration, "Inscryption" has garnered critical acclaim for its unique gameplay mechanics and haunting storytelling. Fans are eagerly awaiting to see if "Inscryption" will take home any awards at the upcoming TGA event.
As we countdown to The Game Awards, the speculations and predictions from foreign media outlets only serve to fuel the excitement and anticipation surrounding the event. Whether we see the unveiling of "Death Stranding 2," a "Max Payne" remake, or other exciting announcements, TGA promises to be a celebration of creativity, innovation, and passion in the video game industry. So mark your calendars, set your alarms, and get ready to witness the future of gaming unfold at The Game Awards.
In conclusion, the verdict against Zongze's company in this trademark infringement and false advertising case sends a strong message to businesses and consumers alike about the importance of upholding ethical business practices and respecting intellectual property rights. It serves as a cautionary tale for companies to prioritize honesty, integrity, and compliance with intellectual property laws to avoid legal repercussions and protect their brand reputation. Consumers, on the other hand, should remain vigilant and informed to make informed choices and support brands that uphold ethical standards in their business practices.
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.
In conclusion, while the fire at the Alibaba Cloud Computing data center is a concerning and disruptive event, the company's swift response and transparent communication have helped to mitigate the impact on its operations and reputation. The incident underscores the need for ongoing vigilance and investment in safety measures to protect data centers and ensure the continuity of essential services in the digital age.
Health Catalyst, Inc. ( NASDAQ:HCAT – Get Free Report ) Director Duncan Gallagher sold 4,500 shares of the company’s stock in a transaction that occurred on Monday, December 23rd. The stock was sold at an average price of $6.98, for a total transaction of $31,410.00. Following the transaction, the director now owns 74,438 shares in the company, valued at $519,577.24. The trade was a 5.70 % decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is available through this link . Health Catalyst Trading Down 0.1 % Shares of HCAT opened at $7.08 on Friday. The firm has a market cap of $430.80 million, a price-to-earnings ratio of -5.24 and a beta of 1.31. Health Catalyst, Inc. has a fifty-two week low of $5.42 and a fifty-two week high of $11.41. The firm has a 50 day moving average price of $7.96 and a 200-day moving average price of $7.46. The company has a debt-to-equity ratio of 0.32, a quick ratio of 1.41 and a current ratio of 1.41. Health Catalyst ( NASDAQ:HCAT – Get Free Report ) last issued its quarterly earnings data on Wednesday, November 6th. The company reported $0.07 EPS for the quarter, missing the consensus estimate of $0.10 by ($0.03). The company had revenue of $76.40 million during the quarter, compared to analysts’ expectations of $76.27 million. Health Catalyst had a negative return on equity of 7.51% and a negative net margin of 26.20%. The business’s quarterly revenue was up 3.5% on a year-over-year basis. During the same quarter last year, the business earned ($0.22) earnings per share. As a group, equities research analysts forecast that Health Catalyst, Inc. will post -0.33 earnings per share for the current year. Analyst Upgrades and Downgrades View Our Latest Stock Analysis on HCAT Institutional Inflows and Outflows Large investors have recently made changes to their positions in the stock. Principal Financial Group Inc. grew its stake in Health Catalyst by 6.9% during the second quarter. Principal Financial Group Inc. now owns 29,469 shares of the company’s stock valued at $188,000 after acquiring an additional 1,907 shares in the last quarter. Harbor Capital Advisors Inc. increased its stake in shares of Health Catalyst by 21.3% during the third quarter. Harbor Capital Advisors Inc. now owns 11,764 shares of the company’s stock valued at $96,000 after buying an additional 2,064 shares during the period. The Manufacturers Life Insurance Company raised its holdings in shares of Health Catalyst by 10.3% in the 2nd quarter. The Manufacturers Life Insurance Company now owns 23,162 shares of the company’s stock valued at $148,000 after purchasing an additional 2,164 shares in the last quarter. Creative Planning raised its stake in Health Catalyst by 13.2% in the third quarter. Creative Planning now owns 21,348 shares of the company’s stock worth $174,000 after buying an additional 2,486 shares in the last quarter. Finally, Quarry LP raised its position in shares of Health Catalyst by 59.4% in the 2nd quarter. Quarry LP now owns 7,002 shares of the company’s stock worth $45,000 after acquiring an additional 2,610 shares in the last quarter. 85.00% of the stock is owned by hedge funds and other institutional investors. Health Catalyst Company Profile ( Get Free Report ) Health Catalyst, Inc provides data and analytics technology and services to healthcare organizations in the United States. It operates in two segments, Technology and Professional Services. The company provides data operating system data platform which provides clients single comprehensive environment to integrate and organize data from their disparate software systems; and analytics applications, a software analytics applications build for data platform to analyze clients face across clinical and quality, population health, and financial and operational use cases. Read More Receive News & Ratings for Health Catalyst Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Health Catalyst and related companies with MarketBeat.com's FREE daily email newsletter .
2. Social Challenges: Coffee is often a social beverage, enjoyed with friends, colleagues, or during meetings. Quitting coffee can sometimes pose challenges in social situations, as you may find yourself needing to explain your decision or seek out alternative beverage options. It can be helpful to be prepared with a response and to explore new drink choices that align with your goals.
Unlock Your Hands with Samsung's AI Diamond Black Heat Pump Washer Dryer: Exploring the Ultimate Smart Laundry ExperienceIn conclusion, the case of Zhong Moyan serves as a stark reminder of the importance of upholding ethics and integrity in the education system. It is a wake-up call for all stakeholders to work together to prevent corruption and ensure that our schools provide a safe and nurturing environment for our children to learn and grow.
John Stier Buys 500,000 Shares of Doctor Care Anywhere Group PLC (ASX:DOC) StockThe similarities between Mbappe today and the once 140 million euro Barcelona signing are striking. Mbappe's meteoric rise to stardom mirrors that of the young promising talent that once caught the eye of Barcelona. These two young football sensations share a number of similarities that cannot be ignored.
5. Robert Lewandowski (Bayern Munich)
TGA Player's Voice Final List Announced! Check Out the Latest TGA News!As football continues to evolve and adapt to new challenges and trends, the absence of familiar faces like Messi from the Ballon d'Or shortlist serves as a reminder of the sport's cyclical nature and the emergence of new talents who are destined to shape its future. While Messi's omission may have come as a surprise to many, it highlights the competitive nature of modern football and the need for players to constantly innovate and elevate their game to stay at the top of their craft.Furthermore, gold stocks ETFs have an added advantage of providing exposure to not only the price of gold but also the performance of gold mining companies. This dual exposure allows investors to benefit from both the price movements of gold and the profitability of gold mining companies, which can amplify returns during periods of rising gold prices.