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With inflation high and Social Security only covering a small portion of what seniors end up spending during their golden years, retirement is no longer the surefire financial reality it used to be. For decades, older people relied on pensions, but they now often have to strategize their retirement savings to make it through their later years. But some states have it easier for retirees, according to a new study from SellMyTimeshareNow.com. Based on key economic and social factors like average salary, monthly housing costs, crime rates and medical costs, the timeshare resale marketplace ranked the 50 states and found some were especially difficult for retirees. Mississippi was crowned the worst state in which to retire, as it had some of the highest crime rates and the lowest average salary of $45,180. Due to this low income, seniors may struggle to save for retirement and also face more of a crime risk. Next on the list was Alabama, which had only a slightly higher average salary of $50,620 and crime rate of 3,127 per 100,000 people. Medical costs also were high yearly, at an average of $9,280. "Southern states generally have higher poverty levels due to lower median incomes," Kevin Thompson, finance expert and founder/CEO of 9i Capital Group, told Newsweek. "The majority of those states boast a higher percentage of residents relying on government benefits like Medicaid and SNAP." In third place, Idaho saw some of the worst retirement circumstances, in large part due to the rising cost of housing, according to the report. Those with fixed incomes may find it especially difficult to afford a retirement in the state due to this. The other worst rated states for retirement were Iowa and Arkansas, which both had low average yearly salaries. Iowa saw some of the highest property taxes, while Arkansas had a high total crime rate of 3,428 per 100,000 people. Florida, long considered the quintessential retirement state, did not crack the top 10 or bottom 10 of the marketplace rankings. Best States to Retire While much of the South saw a less retiree-friendly environment, some states fared better on the ranking list. Alaska was deemed the most retirement-friendly state, with an average salary of $66,120, significantly higher than the national average. The state also doesn't have an income tax, and seniors are able to avoid high taxes on their homes. New York and Colorado came in shortly after as the second and third best states to retire. New Yorkers had an average salary of $74,870, which was the highest in the nation. That means more retirement savings for seniors. Generally, they also saw a lower total crime rate of just 1,747 incidents per 100,000 people. Thompson said Alaska and New York's high ratings were surprising, given their climates and cost of living. "New York seems very surprising as many people traditionally leave the state for less costly alternatives like Florida and warmer climates," Thompson said. "Alaska is another one as the cost of living remains quite high due to its remote nature." Still, for those saving for retirement, states with high job salaries may be the way to go. "While we're so often told that states in the Southeastern United States are best for retirement because of their low cost of living, the earning potential in these states doesn't always produce the savings needed to make retirement feasible," Alex Beene, financial literacy instructor for the University of Tennessee at Martin, told Newsweek. "Other states - like New York - may have a higher cost of living but also come with higher paying positions that can produce a more robust retirement fund." In third place, Colorado also had a high average salary of $67,870 and relatively low crime levels. Seniors may also be drawn to the state's mountains and recreational pursuits. Washington and Oregon were also ranked high for their average salaries and moderate crime rates. Housing and medical costs were also middle of the road, which made retirement less burdensome for older people. "Retirement planning involves considering various factors beyond how much a household can save," an expert at SellMyTimeshareNow.com said in a statement. "Cost of living, healthcare expenses, and crime rates significantly impact where retirees choose to settle. States that offer higher average salaries and lower taxes can provide a more comfortable retirement, but it's essential to balance these with living costs and personal preferences." Beene said for most retirees, your expected expenses for retirement will matter greatly when it comes to choosing the best place to live. "If you're planning to keep the cost of living low, odds are incomes in Mississippi and Alabama can still produce a decent savings rate for retirement given the lower costs in those states," Beene said. "However, if you're hoping to maintain the same standard of living you currently enjoy, it may be time to reconsider not just your approach, but your location, as well."ag sg777 。

Kane hat trick against Augsburg hides Bayern's concerning lack of goals

PHILADELPHIA (AP) — Tanner McKee’s first career NFL touchdown pass was thrown to a Philadelphia Eagles fan named Patrick. OK, McKee actually threw the 20-yard TD to Pro Bowl wide receiver A.J Brown, who — in a momentary lapse of reason — chucked the souvenir football into the Lincoln Financial field stands. Uh-oh. “I felt so bad,” Brown said, “because I threw it so far.” McKee, a sixth-round pick out of Stanford in 2023, is a career third-string QB who had never played a regular-season snap until he was pressed into emergency duty Sunday against Dallas. Jalen Hurts did not start because of a concussion and Kenny Pickett — who ran and threw for a TD in the Eagles' 41-7 win — was knocked of the game with injured ribs. That opened the door for the 24-year-old McKee to play in a game in which the Eagles clinched the NFC East. He did his part — including the 20-yard strike in the third that made it 34-7. The celebration was temporarily muted when he realized his ball — a milestone keepsake for any player — was somewhere in the stands. Little did McKee know the ball was coming back to him. Eagles fans kicked off a bit of a relay with the ball once they realized its significance to McKee. The fan who caught the ball was promised a jersey from Brown. He sent the ball to one fan, who passed it to Eagles security chief “Big” Dom DiSandro to hand to another Eagles employee to Brown and finally to McKee. Souvenir secured. “I appreciate whoever gave the ball back,” McKee said. “(Brown) was like, ‘I’m sorry, bro. I got the ball back.’ So, yeah, it was good. He made a great play, and obviously a great catch.” It was Brown's throw that needed work. Brown stripped off and signed his game jersey and handed it to a fan named Patrick as a thank-you for returning the football — all while fans chanted “E-A-G-L-E-S!” around him. “We've got great fans here,” Brown said. McKee needed more room on the trophy shelf — he threw a second TD pass in the fourth quarter. ___ AP NFL: https://apnews.com/NFL Dan Gelston, The Associated PressTrump making 'joke' about Canada becoming 51st state is 'reassuring': Ambassador Hillman

The Denver Broncos ' Week 16 matchup against the Los Angeles Chargers has been flexed to Thursday Night Football on Amazon Prime Video, per ESPN's Adam Schefter. The first Thursday night flex: The Week 16 Denver Broncos at Los Angeles Chargers game will move to Thursday Night Football on Prime Video while the Cleveland Browns at Cincinnati Bengals matchup will be played Sunday at 1 p.m. ET on FOX. According to NFL insider Albert Breer , the league had to get the Broncos' approval to make the decision since it will be the second road Thursday night game of the season for Denver. Broncos had to sign off on the Week 16 TNF flex, b/c it's their 2nd TNF road game. They were alerted Tuesday. Interesting element—Denver plays Cincinnati in Week 17 (X-mas week). Bengals got flexed out of TNF. So Denver gains the edge that the Bengals previously had for Week 17. This is a puzzling decision from the Broncos for multiple reasons, the first being that they will play on a short week in late December. Players are beat up and exhausted by that point of the season, making it tough to play on just three days rest. The next challenge is Denver being the road team, which means having to travel on a quick turnaround. The cherry on top of both of those factors is that these teams are closely jockeying for playoff seeding. Los Angeles defeated Denver back in Week 6, so the Broncos are going to be in huge need of winning this Week 16 rematch. The Broncos, who currently hold the seventh and final playoff seed in the AFC, trail the Chargers (currently the No. 5 seed) by one game. The Cleveland Browns and Cincinnati Bengals were originally slated for the Thursday night slot, but will now play the following Sunday at 1 p.m. ET. Ironically, Denver plays Cincinnati the following week. However, choosing to be fresh against a 4-7 Bengals team and playing a 7-3 Chargers team on a short week is, frankly, not a smart decision. This article first appeared on A to Z Sports and was syndicated with permission.

Independent Hawke’s Bay cinemas operator Focal Point has come to the rescue of Havelock North moviegoers worried the big nights out were coming to an end with the withdrawal of Event Cinemas from the village. Event Cinemas confirmed in a short statement to Hawke’s Bay Today that its tenancy at Havelock North will cease and it will stop trading late-January 2025, but that it was “working closely with the landlord, who may have secured a new operator to continue running the cinema location”. The new arrangement has now been announced by landlord Lowmac Properties , which developed the shopping centre and twin-theatre cinema complex 21 years ago, and Matt Bell, who with wife Julie established their first cinema in Feilding in 2007. In 2012 they expanded to Hawke’s Bay, reopening a theatre which been closed by Reading Cinemas, named it Cinemas Hastings , but after refurbishment and arrival of the latest movie technology it was relaunched as Focal Point in 2014.

Packham resigns as RSPCA president after animal cruelty claims at approved farmsSignificant milestones in life and career of Jimmy CarterNone

NEW YORK (AP) — U.S. stocks drifted to a mixed close, as gains for tech stocks nudged the S&P 500 and the Nasdaq to more records. The S&P 500 eked out a gain of under 0.1% Tuesday, while the Nasdaq composite rose 0.4%. The Dow Jones Industrial Average fell 0.2%. Treasury yields held relatively steady after a report showed U.S. employers were advertising slightly more job openings at the end of October than a month earlier. The value of the South Korean won sank against the dollar after its president declared martial law and then later said he’ll lift it. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. NEW YORK (AP) — U.S. stocks are drifting around their records on Tuesday as Wall Street's white-hot rally lets off the accelerator. The S&P 500 was virtually flat in afternoon trading, a day after rising tech stocks helped it set an all-time high for the 54th time this year. It's climbed in nine of the last 10 days and is on track for one of its best years since the turn of the millennium. The Dow Jones Industrial Average was down by 56 points, or 0.1%, with 45 minutes remaining in trading, while the Nasdaq composite added 0.2% to its own record set a day earlier. AT&T rose 3.9% after it boosted its profit forecast for the year. It also announced a $10 billion plan to send cash to its investors by buying back its own stock, while saying it expects to authorize another $10 billion of repurchases in 2027. On the losing end of Wall Street was U.S. Steel, which fell 7.9%. President-elect Donald Trump reiterated on social media that he would not let Japan’s Nippon Steel take over the iconic Pennsylvania steelmaker. Nippon Steel announced plans last December to buy the Pittsburgh-based steel producer for $14.1 billion in cash, raising concerns about what the transaction could mean for unionized workers, supply chains and U.S. national security. Earlier this year, President Joe Biden also came out against the acquisition. Tesla s sank 2.1% after a judge in Delaware reaffirmed a previous ruling that the electric car maker must revoke Elon Musk’s multibillion-dollar pay package. The judge denied a request by attorneys for Musk and Tesla’s corporate directors to vacate her ruling earlier this year requiring the company to rescind the unprecedented pay package. In the bond market, Treasury yields held relatively steady after a report showed U.S. employers were advertising slightly more job openings at the end of October than a month earlier. Continued strength there would raise optimism that the economy could keep avoiding a recession that many investors had earlier thought was inevitable. The yield on the 10-year Treasury rose to 4.22 from 4.20% from late Monday. Yields have seesawed since Election Day amid worries that Trump's preferences for lower tax rates and bigger tariffs could spur higher inflation along with economic growth. But traders are still confident the Federal Reserve will cut its main interest rate again at its next meeting in two weeks. They’re betting on a nearly three-in-four chance of that, according to data from CME Group. Lower rates can help give the economy more juice, but they can also give inflation more fuel. The key report this week that could guide the Fed’s next move will arrive on Friday. It’s the monthly jobs report , which will show how many workers U.S. employers hired and fired during November. It could be difficult to parse given how much storms and strikes distorted figures in October. Based on trading in the options market, Friday's jobs report appears to be the biggest potential market mover until the Fed announces its next decision on interest rates Dec. 18, according to strategists at Barclays Capital. Since his victory, Trump has broadcasted his plans for tariffs , including for goods coming from China . Trade relations between the U.S. and China took another step backward after China said it is banning exports to the U.S. of gallium, germanium, antimony and other key high-tech materials with potential military applications. The counterpunch came swiftly after the U.S. Commerce Department expanded the list of Chinese technology companies subject to export controls to include many that make equipment used to make computer chips, chipmaking tools and software. The 140 companies newly included in the so-called “entity list” are nearly all based in China. In financial markets abroad, the value of South Korea's currency fell 0.9% against the U.S. dollar following a frenetic night where President Yoon Suk Yeol declared martial law and then later said he'd lift it after lawmakers voted to reject military rule. Stocks of Korean companies that trade in the United States also fell, including a 1.3% drop for SK Telecom. Japan’s Nikkei 225 jumped 1.9% to help lead global markets. Some analysts think Japanese stocks could end up benefiting from Trump’s threats to raise tariffs on China and other countries. Indexes rose 1% in Hong Kong and 0.4% in Shanghai amid unconfirmed reports that Chinese leaders would meet next week to discuss planning for the coming year. Investors are hoping it may bring fresh stimulus to help spur growth in the world’s second-largest economy. In France, the CAC 40 rose 0.3% amid continued worries about politics in Paris , where the government is battling over the budget. ___ AP Business Writers Yuri Kageyama and Matt Ott contributed. Stan Choe, The Associated PressNoneTerrorism almost over from Pir Panjal: Army

Rookie Brian Thomas Jr. scores again as Jaguars beat Titans 20-13 for rare series sweepSpecial Counsel files to drop all federal charges against Trump

Big tension for Israel, US as Iran unveils new BM-300 Surface-to-Surface ballistic missile, it is made by...Miami (6-7) at Houston (8-5) Sunday, 1 p.m. EST, CBS BetMGM Odds: Texans by 3. Against the spread: Dolphins 5-8; Texans 5-6-2. Series record: Texans lead 8-3. Last meeting: Dolphins beat Texans 30-15, on Nov. 27, 2022, in Miami. Last week: Dolphins beat Jets 32-26 in OT; Texans were off, beat Jaguars 23-20 on Dec. 1. Dolphins offense: overall (19), rush (24), pass (14), scoring (23). Dolphins defense: overall (9), rush (7), pass (11), scoring (T14). Texans offense: overall (18), rush (16), pass (17), scoring (11). Texans defense: overall (5), rush (10), pass (7), scoring (T12). Turnover differential: Dolphins minus-2; Texans plus-10. QB Tua Tagovailoa, who has been one of the best quarterbacks in the NFL at throwing with anticipation and accuracy since he returned from a concussion in Week 8. Tagovailoa leads the NFL with a 73.8% completion rate and threw for 300 yards for the third straight game last week vs. the Jets. Tagovailoa is the first player in NFL history to have at least 40 pass attempts, multiple touchdown passes and no interceptions in three consecutive games within a single season. QB C.J. Stroud has thrown for at least 225 yards in each of his six home games this season and is 11-4 in 15 starts in Houston, including the playoffs. He has thrown for 3,117 yards with 15 touchdowns and nine interceptions this season. Houston RB Joe Mixon vs. Miami’s run defense. Mixon ran for 101 yards in Houston’s previous game for his seventh 100-yard game this season. He ranks third in the NFL by averaging 88.7 yards rushing a game. This week he’ll face a run defense that ranks seventh in the NFL by holding teams to 105.6 yards a game. Miami LT Terron Armstead is dealing with a knee injury that limited him to just five snaps last week. He did not practice Wednesday... LBs Bradley Chubb (knee) and Cameron Goode (knee) could make their season debut, depending on how this week of practice goes, coach Mike McDaniel said. ... WRs Tyreek Hill (wrist) and Jaylen Waddle (hamstring), RB Raheem Mostert (hip), and LB Anthony Walker Jr. (hamstring) were among those limited in practice Wednesday. ... Houston S Jalen Pitre is expected to miss a second straight game with a shoulder injury. ... DE Denico Autry was limited in practice Wednesday because of a knee injury. Houston won the first seven meetings in this series. ... Miami didn’t get its first win against the Texans until a 44-26 victory in 2015. ... The Dolphins have won the past two meetings. ... These teams first met in the season opener in 2003 when Houston got a 21-20 win on a late field goal. Three of Miami’s final four games of the season are on the road. ... K Jason Sanders needs 13 points Sunday to reach 800. He also needs one field goal to reach 177, which would give him the second-most field goals made in franchise history. ... TE Jonnu Smith needs 100 yards receiving to reach 792 and set a franchise record for most yards receiving by a tight end in a single season. Smith had three catches for 44 yards, including the game-winning TD vs. the Jets last week after having no receptions during regulation. ... Tagovailoa needs a completion rate of 70% or better on Sunday to reach eight consecutive games completing at least 70% of his passes. That would tie him with Joe Montana (1989) and Drew Brees (2017-18) for the longest streak in NFL history. ... The Dolphins gave up a season-high 402 yards to the Jets last week. Aaron Rodgers burned Miami’s pass defense for 319 yards, and Miami’s secondary allowed a combined 223 yards by Garrett Wilson and Davante Adams. ... Houston can clinch the AFC South title for the second straight year with a win and a loss by Indianapolis Sunday. ... The Texans rank second in the NFL with 84 tackles for loss. ... Their 42 sacks also rank second. ... WR Nico Collins had eight receptions for 119 yards for his fourth 100-yard game this season in Houston’s previous game. He has had at least 75 yards receiving and a TD reception in each of his four home games this season. ... TE Dalton Schultz had five receptions for 61 yards and a score in Week 13. He has had at least five catches in two of his past three games. ... LB Azeez Al-Shaai will serve the first game of a three-game suspension for an illegal hit to the head of QB Trevor Lawrence Sunday. ... DE Danielle Hunter is one of two players in the NFL this season with at least 15 tackles for loss (15) and 10 sacks (10 1/2). It’s his sixth career season with at least 10 sacks. He has eight tackles for loss and five sacks combined in his past three games. ... DE Will Anderson has had a sack in his past two home games. ... LB Henry To’oTo’o has had at least five tackles in four straight games. ... CB Derek Stingley had his third interception of the season in his previous game. ... CB Kamari Lassiter had a career-high eight tackles, including a tackle for loss in Week 13. ... S Jimmie Ward has had an interception in his past two home games. He also had an interception in his previous game against Miami in 2022 while with San Francisco. Collins has 456 yards receiving and four touchdown receptions in four home games this season. AP NFL: https://apnews.com/hub/nfl