drawing online games
Namibia will have its first female leader after VP wins presidential election for the ruling party
Three of these images are fake. Can you spot the real image? Some images generated by artificial intelligence have become so convincingly real that there is no surefire way to spot the fakes. But experts say there are still things we can try to detect fakes. "Media literacy is super awesome," said Matt Groh, assistant professor at Northwestern University. "But it needs to extend to AI literacy. Like the classic kind of things that you want to teach in media literacy, we still need to teach those same things. We just need to add the AI portion to it now." RELATED STORY | Nobel Prize in physics awarded to 2 scientists for discoveries that enabled artificial intelligence Groh's team at Northwestern released a guide on how to spot AI generated images. The full preprint paper was released in June. "So what we've done is we've articulated 5 different categories of artifacts, implausibilities," Groh said. "Ways to tell AI-generated image apart from a real photograph." The academic preprint guide offers detailed tips, tricks and examples on spotting AI-generated images. It also teaches important questions to consider when consuming media. Anatomical implausibilities The first and easiest telltale signs: anatomical implausibilities. Ask yourself: Are the fingers, eyes, and bodies off? Are there extra limbs or do they bend strangely? Are there too many teeth? Stylistic implausibilities Ask yourself: Do images seem plastic, glossy, shiny or cartoonish? Are there overly dramatic or cinematic? Functional implausibilities Ask yourself: Is text garbled? Is clothing strange? Are objects not physically correct, like how this backpack strap merges into clothing? Violation of physics Ask yourself: Are light and shadows off? Are there impossible reflections? Sociocultural implausibilities Ask yourself: Are there images that are just too unbelievable or historically inaccurate? RELATED STORY | AI voice cloning: How programs are learning to pick up on pitch and tone "What we're trying to do is give you a snapshot of what it looks like in 2024 and how we can help people move their attention as effectively as possible," Groh said. "Education is really the biggest thing. There's education on the tools," said Cole Whitecotton, senior professional research associate at the National Center for Media Forensics. Whitecotton encourages the public to educate themselves and try AI tools to know their capabilities and limits. "I think everybody should go out and use it. And look at how these things do what they do and understand a bit of it," he said. "Everyone should interact with ChatGPT. In some way. Everyone should interact with Midjourney. And look at how these things do what they do and understand a bit of it." Whitecotton suggests being inquisitive and curious when scrolling through social media. "If you interacted with every piece of content in that way, then there you would be a lot less likely to be duped and to be sort of sucked into that sort of stuff, right?" he said. "How do you interact with Facebook and with Twitter and all these things? How do you consume the media?" Whitecotton added. RELATED STORY | Biden's AI advisor speaks on AI policy, deepfakes, and the use of AI in war While AI-generated images and videos continue to evolve, Groh and his team offer a realistic approach to a changing technological landscape where tips and tricks may become outdated quickly. "I think a real, good, useful thing is we build this. We update this every year. Okay, some of these things work. Some of these things don't. And I think once we have a base, we're able to update it," Groh said. "I think one of the problems is we didn't have a base. And so one of the things we're really excited about is even sharing our framework, because I think our framework is going to help people just navigate that conversation." So were you able to guess which image is real? If you guessed the image of the girl in the bottom left corner, you are correct! "It sucks that there's this misinformation in the world. But it's also possible to navigate this new problem," Groh said. If you want to test yourself even more, the Northwestern University research team has released this site that gives you a series of real and AI-generated images to differentiate.
WINDHOEK, Namibia (AP) — Namibia elected its first female leader as Vice President Netumbo Nandi-Ndaitwah was declared the winner Tuesday of a presidential election last week that was tarnished by technical glitches that caused a three-day extension to allow votes to be cast, and rejected as illegal by opposition parties. The 72-year-old Nandi-Ndaitwah won with 57% of the vote, defying predictions that she might be forced into a runoff. Her ruling SWAPO party also retained its parliamentary majority, although by a very thin margin, and extended its 34-year hold on power since the southern African country gained independence from apartheid South Africa in 1990. Namibia, a sparsely populated country of around 3 million on the southwestern coast of Africa, has a reputation for being one of the continent's more stable democracies and the problems around the election have caused consternation. Last Wednesday's vote was marred by shortages of ballot papers and other problems that led election officials to extend voting until Saturday. Opposition parties have said the extension is unconstitutional, and some have pledged to join together in a legal appeal to have the election invalidated. The Electoral Commission of Namibia, which ran the election, rejected opposition calls for a redo of the vote. It has undermined Nandi-Ndaitwah's place in history. She is set to become her country's fifth president since independence and a rare female leader in Africa. She was a member of Namibia's underground independence movement in the 1970s and received part of her higher education in the then-Soviet Union. She was promoted to vice president in February after President Hage Geingob died while in office . Nangolo Mbumba, who became president after Geingob's death, didn't run in the election. The ruling SWAPO party won 51 seats in the parliamentary vote, only just passing the 49 it needed to keep its majority and narrowly avoiding becoming another long-ruling party to be rejected in southern Africa this year. It was SWAPO's worst parliamentary election result. A mood of change has swept across the region, with parties that led their countries out of white minority or colonial rule in neighboring South Africa and Botswana both losing their long-held political dominance. South Africa's African National Congress, which freed the country from the racist system of apartheid, lost its 30-year majority in an election in May and had to form a coalition. Botswana's ruling party was stunningly removed in a landslide in October after governing for 58 years since independence from Britain. Mozambique's long-ruling Frelimo has been accused of rigging an October election and has faced weeks of violent protests against its rule. SWAPO faced similar challenges as those countries, with frustration at high unemployment and economic hardship, especially among young people, driving a desire for era-ending change. In a brief speech after the results were announced late Tuesday night, Nandi-Ndaitwah said Namibians had voted for peace, stability and youth empowerment. “We are going to do what we promised you during the campaigns. Thank you for your confidence and trust in us," she said. Nandi-Ndaitwah was also due to address the nation on Wednesday morning. “SWAPO Wins. Netumbo Wins. Namibia Wins. Now Hard Work,” the ruling party posted on its official account on social media site X. Some opposition parties boycotted the announcement by the Electoral Commission of Namibia at its results center in the capital, Windhoek. The commission has been roundly criticized for its running of the vote, with many angry Namibians complaining they had to wait hours and sometimes over multiple days for the chance to vote. Just over 1 million votes were cast out of 1.4 million registered voters, according to the electoral commission. Panduleni Itula, the leading opposition candidate from the Independent Patriots for Change party, was second in the presidential election with 25% of the vote. His party won the second-largest number of seats in Parliament behind SWAPO. Itula and his party have led the criticism of the vote and said they will lodge their appeal against the election this week. Other opposition parties said they will join that legal challenge. Itula has said that thousands of voters may have been prevented from voting as only some polling stations allowed an extension. "This election has violated the very tenets of our Electoral Act. Namibians deserve the right to choose their leaders freely and fairly, not through a rigged process,” he said. Namibia is a former German colony that came under South African control after World War I and its Black majority was later subjected to some of South Africa’s apartheid policies. SWAPO was at the forefront of the battle for independence from South Africa. While the country has swaths of desert running through it, it has diamond and uranium resources and untapped oil and gas off its coast that is being explored by international companies and could make it a major producer of both. AP Africa news: https://apnews.com/hub/africa
By TRÂN NGUYỄN SACRAMENTO, Calif. (AP) — California, home to some of the largest technology companies in the world, would be the first U.S. state to require mental health warning labels on social media sites if lawmakers pass a bill introduced Monday. The legislation sponsored by state Attorney General Rob Bonta is necessary to bolster safety for children online, supporters say, but industry officials vow to fight the measure and others like it under the First Amendment. Warning labels for social media gained swift bipartisan support from dozens of attorneys general, including Bonta, after U.S. Surgeon General Vivek Murthy called on Congress to establish the requirements earlier this year, saying social media is a contributing factor in the mental health crisis among young people. “These companies know the harmful impact their products can have on our children, and they refuse to take meaningful steps to make them safer,” Bonta said at a news conference Monday. “Time is up. It’s time we stepped in and demanded change.” State officials haven’t provided details on the bill, but Bonta said the warning labels could pop up once weekly. Up to 95% of youth ages 13 to 17 say they use a social media platform, and more than a third say that they use social media “almost constantly,” according to 2022 data from the Pew Research Center. Parents’ concerns prompted Australia to pass the world’s first law banning social media for children under 16 in November. “The promise of social media, although real, has turned into a situation where they’re turning our children’s attention into a commodity,” Assemblymember Rebecca Bauer-Kahan, who authored the California bill, said Monday. “The attention economy is using our children and their well-being to make money for these California companies.” Lawmakers instead should focus on online safety education and mental health resources, not warning label bills that are “constitutionally unsound,” said Todd O’Boyle, a vice president of the tech industry policy group Chamber of Progress. “We strongly suspect that the courts will set them aside as compelled speech,” O’Boyle told The Associated Press. Victoria Hinks’ 16-year-old daughter, Alexandra, died by suicide four months ago after being “led down dark rabbit holes” on social media that glamorized eating disorders and self-harm. Hinks said the labels would help protect children from companies that turn a blind eye to the harm caused to children’s mental health when they become addicted to social media platforms. “There’s not a bone in my body that doubts social media played a role in leading her to that final, irreversible decision,” Hinks said. “This could be your story.” Common Sense Media, a sponsor of the bill, said it plans to lobby for similar proposals in other states. California in the past decade has positioned itself as a leader in regulating and fighting the tech industry to bolster online safety for children. The state was the first in 2022 to bar online platforms from using users’ personal information in ways that could harm children. It was one of the states that sued Meta in 2023 and TikTok in October for deliberately designing addictive features that keep kids hooked on their platforms. Gov. Gavin Newsom, a Democrat, also signed several bills in September to help curb the effects of social media on children, including one to prohibit social media platforms from knowingly providing addictive feeds to children without parental consent and one to limit or ban students from using smartphones on school campus. Federal lawmakers have held hearings on child online safety and legislation is in the works to force companies to take reasonable steps to prevent harm. The legislation has the support of X owner Elon Musk and the President-elect’s son, Donald Trump Jr . Still, the last federal law aimed at protecting children online was enacted in 1998, six years before Facebook’s founding.
. NEW DELHI: With incidents of sexual harassment of women workers/members of political parties often hushed up, SC on Monday asked the Election Commission to examine whether registered political parties could be brought under the ambit of Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013. Appearing for advocate-petitioner Yogamaya G, senior advocate Shobha Gupta told a bench of Justices Surya Kant and Manmohan that though many women are active members of political parties, only CPM has set up an internal complaint committee with external members. AAP lacks transparency about its committee, while BJP and Congress have admitted not having an adequate ICC structure mandated under law, the petitioner alleged, while demanding the law must apply in equal rigour to parties which owe allegiance to the Constitution that mandates protection of dignity of women. The bench said the petitioner's analogy to equate political parties as employers and workers/members as employees may not be apt, but agreed that this is an important issue that should be adjudicated by EC. SC told the petitioner that if she does not receive any satisfactory response from EC on the issue raised by her, she is free to approach court again. The PIL quoted a 2014 NDTV article titled 'Congress seeks security for Nagma, winks at party leader who kissed her', which narrated an incident of a Congress member publicly kissing the actress who was seen walking off without addressing a rally. Quoting a report from Ranjana Kumar's organisation, Centre for Social Research, published in Economic Times, it said, "Nearly 50% respondents said they faced verbal abuse and 45% said physical violence and threats were common, particularly true during election campaigns. Sixty-seven per cent of women politicians said perpetrators were male contestants and 58% party colleagues. Violence and harassment at the hands of colleagues is a reason why we see only women from political families in politics." Interestingly, in March 2022, Kerala HC ruled that political parties are under no compulsion to establish internal complaints committees, as mandated by the 2013 law, since parties lack the employee-employer relationships. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .IRVING, Texas (AP) — The NFL will consider expanding replay assist to include facemask penalties and other plays. Officials have missed several obvious facemask penalties this season, including two in a three-week span during Thursday night games. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get any of our free email newsletters — news headlines, obituaries, sports, and more.
New Tech Revolution! Ayar Labs Challenges the Silicon Status Quo.A Nevada commissioner has shot down Rupert Murdoch’s effort to change his family trust to give full control of his media empire to his eldest son, Lachlan, in order to ensure Fox News would retain its conservative editorial bent. In an at-times blistering decision that was filed on Saturday, commissioner Edmund J. Gorman Jr. found that the father and son, who currently leads Fox News parent company Fox Corp and News Corp, had acted in “bad faith” in their attempts to modify the irrevocable trust, the New York Times reported . As it is currently written, the family trust would divide control of the powerful right-wing media empire – which also includes the New York Post , Wall Street Journal and several other British and Australian newspapers – between Murdoch’s four eldest children following the 93-year-old mogul’s death. Gorman contended in his ruling that the proposal to revise the trust amounted to little more than a “carefully crafted charade” to “permanently cement Lachlan Murdoch’s executive roles” within the Murdoch empire, and did not take into account the “impacts such control would have over the companies or the beneficiaries” of the family trust. Adam Streisand, a lawyer for Rupert Murdoch, told the Times that they were disappointed in the ruling and intended to file an appeal. With the trust remaining unchanged, it sets up a possible scenario in which the other three heirs – James, Elisabeth and Prudence – could potentially out-vote Lachlan for control of the sprawling media conglomerate, even though Lachlan currently runs both Fox and News Corp. While Prudence has been the least involved in the family business, Rupert has at various times considered choosing Lachlan, James or Elisabeth to succeed him. Within the past few years and with James and Elisabeth known to hold more politically moderate views than their dad and older brother, Rupert sought to lock in the right-wing slant of Fox News and his other media properties by positioning Lachlan to take charge. The effort to strip the other three children of all voting power while keeping Lachlan entrenched at the top began in earnest in the middle of last year. At that time, according to the court documents, the children had begun discussing the strategy of dealing with their father’s death behind the scenes, spurred on by the episode in the HBO series Succession when fictional family patriarch Logan Roy suddenly passes away. Under the initial trust agreement , which was meant to be binding, the voting shares would be divided equally among the four oldest children after Rupert’s death. This was due to negotiations with Rupert’s second wife Anna – the mother of James, Lachlan and Elisabeth – who was concerned that her ex-husband’s younger children with his third wife, Wendi Deng, would receive equal voting power. Prudence is Murdoch’s first child with his first wife, Patricia Booker . With a provision in the trust giving Rupert the right to make changes as long as he is acting in all beneficiaries’ best interests, Lachlan and his father looked at a way of amending the arrangement to consolidate Lachlan’s power. It also sought to marginalize James, who they were worried was planning a “coup” with Elisabeth and Prudence to push out Lachlan after their father’s death. Ultimately, Gorman sided overwhelmingly against Rupert and his eldest son, claiming they operated secretly for months and had the ulterior motive of keeping Lachlan in power to keep Fox as a right-wing operation. “The effort was an attempt to stack the deck in Lachlan Murdoch’s favor after Rupert Murdoch’s passing so that his succession would be immutable,” Gorman wrote. “The play might have worked; but an evidentiary hearing, like a showdown in a game of poker, is where gamesmanship collides with the facts and at its conclusion, all the bluffs are called and the cards lie face up,” he added.Three of these images are fake. Can you spot the real image? Some images generated by artificial intelligence have become so convincingly real that there is no surefire way to spot the fakes. But experts say there are still things we can try to detect fakes. "Media literacy is super awesome," said Matt Groh, assistant professor at Northwestern University. "But it needs to extend to AI literacy. Like the classic kind of things that you want to teach in media literacy, we still need to teach those same things. We just need to add the AI portion to it now." RELATED STORY | Nobel Prize in physics awarded to 2 scientists for discoveries that enabled artificial intelligence Groh's team at Northwestern released a guide on how to spot AI generated images. The full preprint paper was released in June. "So what we've done is we've articulated 5 different categories of artifacts, implausibilities," Groh said. "Ways to tell AI-generated image apart from a real photograph." The academic preprint guide offers detailed tips, tricks and examples on spotting AI-generated images. It also teaches important questions to consider when consuming media. Anatomical implausibilities The first and easiest telltale signs: anatomical implausibilities. Ask yourself: Are the fingers, eyes, and bodies off? Are there extra limbs or do they bend strangely? Are there too many teeth? Stylistic implausibilities Ask yourself: Do images seem plastic, glossy, shiny or cartoonish? Are there overly dramatic or cinematic? Functional implausibilities Ask yourself: Is text garbled? Is clothing strange? Are objects not physically correct, like how this backpack strap merges into clothing? Violation of physics Ask yourself: Are light and shadows off? Are there impossible reflections? Sociocultural implausibilities Ask yourself: Are there images that are just too unbelievable or historically inaccurate? RELATED STORY | AI voice cloning: How programs are learning to pick up on pitch and tone "What we're trying to do is give you a snapshot of what it looks like in 2024 and how we can help people move their attention as effectively as possible," Groh said. "Education is really the biggest thing. There's education on the tools," said Cole Whitecotton, senior professional research associate at the National Center for Media Forensics. Whitecotton encourages the public to educate themselves and try AI tools to know their capabilities and limits. "I think everybody should go out and use it. And look at how these things do what they do and understand a bit of it," he said. "Everyone should interact with ChatGPT. In some way. Everyone should interact with Midjourney. And look at how these things do what they do and understand a bit of it." Whitecotton suggests being inquisitive and curious when scrolling through social media. "If you interacted with every piece of content in that way, then there you would be a lot less likely to be duped and to be sort of sucked into that sort of stuff, right?" he said. "How do you interact with Facebook and with Twitter and all these things? How do you consume the media?" Whitecotton added. RELATED STORY | Biden's AI advisor speaks on AI policy, deepfakes, and the use of AI in war While AI-generated images and videos continue to evolve, Groh and his team offer a realistic approach to a changing technological landscape where tips and tricks may become outdated quickly. "I think a real, good, useful thing is we build this. We update this every year. Okay, some of these things work. Some of these things don't. And I think once we have a base, we're able to update it," Groh said. "I think one of the problems is we didn't have a base. And so one of the things we're really excited about is even sharing our framework, because I think our framework is going to help people just navigate that conversation." So were you able to guess which image is real? If you guessed the image of the girl in the bottom left corner, you are correct! "It sucks that there's this misinformation in the world. But it's also possible to navigate this new problem," Groh said. If you want to test yourself even more, the Northwestern University research team has released this site that gives you a series of real and AI-generated images to differentiate.
Macom SVP Ambra Roth sells $1.99 million in stock
NoneJust because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. 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. 5 ways to tell if you’re on track for retirement 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. 1. Use the Rule of 25 to get a ballpark number 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. 2. Compare your savings to Fidelity guidelines 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. 3. Use an online retirement calculator 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. 4. Map out your retirement budget 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. 5. Talk to a financial adviser 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. 5 ways to catch up on retirement savings 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 . 1. Scale back your spending now and in retirement 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.” 2. Delay retirement by a year or two 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. 3. Save more 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. 4. Invest more aggressively 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. 5. Take advantage of new retirement account catch-up contributions 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. Bottom line 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. (Visit Bankrate online at bankrate.com .) ©2024 Bankrate.com . 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