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skate fish U.S. Dialysis Market to See Rapid Expansion Over the Next Decade 2024-2032 12-20-2024 06:56 PM CET | Health & Medicine Press release from: Cognate Insights U.S. Dialysis Market Latest Market Overview The U.S. dialysis market is a vital sector within the healthcare industry, projected to reach USD 46.2 billion in 2024, with a compound annual growth rate (CAGR) of 5.8% from 2024 to 2032. The growing prevalence of chronic kidney disease (CKD), particularly end-stage renal disease (ESRD), is a major driver of the market. Dialysis is a life-saving treatment for individuals with kidney failure, either through hemodialysis or peritoneal dialysis. As the U.S. population ages and the rates of diabetes and hypertension increase, the demand for dialysis services and products is expanding rapidly. Additionally, advancements in dialysis technology, home dialysis options, and reimbursement policies are also contributing to the market's growth. The U.S. Dialysis Market has experienced steady growth in recent years and is expected to continue expanding at a strong pace from 2024 to 2032. This analysis offers a comprehensive overview, providing valuable insights into key trends and developments within the U.S. Dialysis industry. These findings equip business leaders with the necessary knowledge to devise more effective strategies and enhance profitability. Furthermore, the report serves as a useful resource for new and emerging businesses, helping them make informed decisions as they navigate the market and seek growth opportunities. Major Players of U.S. Dialysis Market are: Fresenius Medical Care: Waltham, MA; Revenue: USD 20 billion (2023) DaVita Inc.: Denver, CO; Revenue: USD 11.6 billion (2023) Baxter International: Deerfield, IL; Revenue: USD 12 billion (2023) Nipro Corporation: Bridgewater, NJ; Revenue: USD 3 billion (2023) Get Latest PDF Sample Report @ https://www.cognateinsights.com/request-sample/us-dialysis-market-research Our Report covers global as well as regional markets and provides an in-depth analysis of the overall growth prospects of the market. Global market trend analysis including historical data, estimates to 2024, and compound annual growth rate (CAGR) forecast to 2032 is given based on qualitative and quantitative analysis of the market segments involving economic and non-economic factors. Furthermore, it reveals the comprehensive competitive landscape of the global market, the current and future market prospects of the industry, and the growth opportunities and drivers as well as challenges and constraints in emerging and emerging markets. Global U.S. Dialysis Market Landscape and Future Pathways: North America: United States Canada Europe: Germany France U.K. Italy Russia Asia-Pacific: China Japan South Korea India Australia China Taiwan Indonesia Thailand Malaysia Latin America: Mexico Brazil Argentina Korea Colombia Middle East & Africa: Turkey Saudi Arabia UAE Korea Speak to Our Analyst for A Discussion on The Above Findings, And Ask for A Discount on The Report @ https://www.cognateinsights.com/check-discount/us-dialysis-market-research Key drivers and challenges influencing the U.S. Dialysis market: Regional Analysis: The report involves examining the U.S. Dialysis market at a regional or national level. Report analyses regional factors such as government incentives, infrastructure development, economic conditions, and consumer behaviour to identify variations and opportunities within different markets. Market Projections: Report covers the gathered data and analysis to make future projections and forecasts for the U.S. Dialysis market. This may include estimating market growth rates, predicting market demand, and identifying emerging trends. Company Analysis: Report covers individual U.S. Dialysis manufacturers, suppliers, and other relevant industry players. This analysis includes studying their financial performance, market positioning, product portfolios, partnerships, and strategies. Consumer Analysis: Report covers data on consumer behaviour, preferences, and attitudes towards U.S. Dialysis This may involve surveys, interviews, and analysis of consumer reviews and feedback from different by Application. Technology Analysis: Report covers specific technologies relevant to U.S. Dialysis. It assesses the current state, advancements, and potential future developments in U.S. Dialysis areas. Reason to Buy this Report: -Analysis of the impact of technological advancements on the market and the emerging trends shaping the industry in the coming years. -Examination of the regulatory and policy changes affecting the market and the implications of these changes for market participants. -Overview of the competitive landscape in the U.S. Dialysis market, including profiles of the key players, their market share, and strategies for growth. -Identification of the major challenges facing the market, such as supply chain disruptions, environmental concerns, and changing consumer preferences, and analysis of how these challenges will affect market growth. -Evaluation of the potential of new products and applications in the market, and analysis of the investment opportunities for market participants. For In-Depth Competitive Analysis - Purchase this Report now at @ https://www.cognateinsights.com/purchase-report/us-dialysis-market-research Contact Us: Cognate Insights Web: www.cognateinsights.com Email: info@cognateinsights.com Phone: +91 8424946476 About Us: We are leaders in market analytics, business research, and consulting services for Fortune 500 companies, start-ups, financial & government institutions. Since we understand the criticality of data and insights, we have associated with the top publishers and research firms all specialized in specific domains, ensuring you will receive the most reliable and up to date research data available. To be at our client's disposal whenever they need help on market research and consulting services. We also aim to be their business partners when it comes to making critical business decisions around new market entry, M&A, competitive Intelligence and strategy. This release was published on openPR.

10 notable books of 2024, from Sarah J. Maas to Melania Trump

MINNEAPOLIS — Hope Walz, daughter of Minnesota Gov. Tim Walz, took to social media to take a swipe at influential podcaster Joe Rogan and the men among his fanbase after the host cited the former Democratic vice presidential candidate's misstatements about his past for his backing of President-elect Donald Trump. In a video posted this weekend to her nearly 190,000 TikTok followers , the 23-year-old said a dating "litmus test" for her and her friends is whether "the guy we're talking to follows Joe Rogan on Instagram," adding that's a "red flag and we should probably stop talking to them." "It's literally never failed us. And at this point, it's like the first thing we do when someone starts talking to a new person. If they follow [Rogan], we're like, yeah, this person probably isn't a great person, probably our values don't align. So we're gonna move on from that," Hope Walz said. She also labeled Rogan, 57, as "questionable and unprofessional." "I don't know how you have the largest podcast in the world and are able to just lie and put out misinformation and straight-up lies on your platform," she said. On Monday, the X account of Rogan's podcast, " The Joe Rogan Experience ," posted an excerpt from a HuffPost article about Hope Walz's video to its 1.3 million followers, stating, "Tim Walz daughter has a Joe Rogan dating litmus test." Rogan's show regularly tops Spotify's podcast charts with more than 14 million followers, most of whom are young men from diverse political backgrounds, according to Edison Research . Noted for his long-form interviews with a wide variety of guests, Rogan has been condemned in the past for perceived misogyny and his vocal support of several conspiracy theories. Rogan released a three–hour interview just days before the election with Trump, who made several appearances on podcasts popular with young men in the final weeks of the campaign in the hopes of reeling in undecided voters through the appeal of unabashed masculinity. Last month, Rogan revealed in an episode that his last-minute endorsement of Trump was because he believes Gov. Walz is a "liar," noting how the governor walked back his past statements about his rank in the Minnesota National Guard and how he had erroneously implied he had faced combat . Rogan also touched on false claims the governor made about being in Hong Kong during the 1989 Tiananmen Square massacre. In a CBS News interview with Vice President Kamala Harris in October, the governor called himself a "knucklehead" for his Hong Kong statements. "You don't care if they lied about their military rank, where they served? You don't care if they lie about Tiananmen Square? There's too many things, this is so crazy," Rogan said about Gov. Walz. Hope Walz was pushed onto the world stage during the Democratic National Convention in August alongside her brother, 18-year-old Gus Walz . He went viral for his tearful and vocal displays of joy for his VP candidate father, leading to a national conversation on neurodivergence awareness . The siblings' births were also campaign fodder, with the governor receiving another stream of scrutiny over whether his children were conceived via in vitro fertilization (IVF) . His wife, Gwen Walz, later clarified they used intrauterine insemination treatments (IUI). Stephen Swanson is a web producer at CBS Minnesota. A 21-year WCCO-TV veteran, Stephen was a floor director for a decade before moving to the newsroom, where he focuses on general assignment reporting.Qatar tribune Agencies The European Central Bank (ECB) cut interest rates for the fourth time this year on Thursday and kept the door open to further easing ahead as inflation continues to hover close to its goal and the eurozone economy remains weak. The bank also slightly lowered its growth expectations for the medium term and cut its predictions for inflation. The central bank for the 20 countries that share the euro reduced the rate it pays on bank deposits, which drives financing conditions in the bloc, to 3.0% from 3.25%. It was at a record 4.0% only in June. It also signaled that further cuts are possible by removing a reference to keeping rates “sufficiently restrictive” – economic jargon for a level of borrowing costs that curbs economic growth. “Financing conditions are easing, as the Governing Council’s recent interest rate cuts gradually make new borrowing less expensive for firms and households,” the ECB said. “But they continue to be tight because monetary policy remains restrictive and past interest rate hikes are still transmitting to the outstanding stock of credit.” There is no universal definition of what constitutes a restrictive rate but economists generally see neutral territory, which neither fuels nor cools growth, at between 2% and 2.5%. With Thursday’s decision, the ECB also cut the rate at which it lends to banks for one week – to 3.15% – and for one day, to 3.40%. These facilities have barely been used in recent years as the ECB has supplied the banking system with more reserves than it needs via massive bond purchases and long-term loans. But they may become more relevant in the future as those programs end. The ECB confirmed on Thursday it would stop buying bonds under its Pandemic Emergency Purchase Program this month. The bank also said that efforts to return inflation to its 2% target were succeeding. “The disinflation process is well on track,” it said in a statement accompanying the decision. Lower rates should support growth amid signs that the post-pandemic recovery is slowing in the 20 countries that use the euro currency and concerns that U.S. President-elect Donald Trump might impose new tariffs, or import taxes, on goods imported to the U.S. after he is inaugurated on Jan. 20. That sends a cold chill through the business world in Europe, where exports are an outsized contributor to growth and employment. Yet there are internal risks as well. French Prime Minister Michel Barnier resigned on Dec. 5 after losing a vote of confidence, leaving France without a functioning government and no clear majority in parliament able or willing to tackle the country’s excessive budget deficit. Elections cannot be held before June. While the end of the Barnier government hasn’t triggered a financial crisis, it adds uncertainty about how long it will take for France to right its finances. Germany’s governing coalition also broke up in November, and a new national election is expected on Feb. 23. Weeks of coalition negotiations are expected to follow before a new government is in place. That leaves the two biggest eurozone economies politically adrift for months. All that has dinged the confidence that businesses need to borrow, invest, expand production and take risks. The survey index of purchasing managers compiled by S&P Global came in at 48.3 in November, with levels below 50 suggesting the economy is slowing. The Sentix survey of investor confidence fell in its first update after the U.S. election, by 4.6 points to minus 17.5. The eurozone economy is expected to expand by 0.7% in 2024 rather than the 0.8% predicted in September, the ECB said.In 2025 and 2026, growth is projected to be 1.1% and 1.4%, respectively. Copy 13/12/2024 10

ATLANTA , Dec. 12, 2024 /PRNewswire/ -- Cousins Properties Incorporated (the "Company" or "Cousins") (NYSE:CUZ) announced today that its operating partnership, Cousins Properties LP (the "Operating Partnership"), has priced an offering of $400 million aggregate principal amount of 5.375% senior unsecured notes due 2032 at 99.463% of the principal amount. The offering is expected to close on December 17, 2024 , subject to the satisfaction of customary closing conditions. Cousins intends to use the net proceeds from the offering to fund a portion of the purchase price of 601 West 2nd Street, also known as Sail Tower, an 804,000 square foot trophy lifestyle office property in Austin (the "Sail Tower Acquisition"), and the remainder to repay borrowings under its credit facility and for general corporate purposes. In the event the Sail Tower Acquisition is not completed, Cousins will use the net proceeds from the offering for general corporate purposes, including the acquisition and development of office properties, other opportunistic investments and the repayment of debt. The notes will be fully and unconditionally guaranteed on a senior unsecured basis by the Company. J.P. Morgan, Truist Securities, US Bancorp, BofA Securities, Morgan Stanley, PNC Capital Markets LLC, TD Securities and Wells Fargo Securities are acting as joint book-running managers. A shelf registration statement relating to these securities is effective with the Securities and Exchange Commission. The offering may be made only by means of a prospectus supplement and accompanying prospectus. Copies of these documents may be obtained by contacting J.P. Morgan Securities LLC, 383 Madison Avenue, New York, New York , 10179, Attention: Investment Grade Syndicate Desk, 3rd Floor, telephone collect at 1-212-834-4533; Truist Securities, Inc., Attention: Prospectus Department, 303 Peachtree Street, Atlanta, GA 30308, telephone: 800-685-4786, or e-mail: TruistSecurities.prospectus@Truist.com ; or U.S. Bancorp Investments, Inc., Attention: High Grade Syndicate, 214 North Tryon Street, 26th Floor, Charlotte, NC 28202, or by telephone at: (877) 558-2607. Electronic copies of these documents are also available from the Securities and Exchange Commission's website at www.sec.gov . This press release is neither an offer to purchase nor a solicitation of an offer to sell the notes, nor shall it constitute an offer, solicitation or sale in any state or jurisdiction in which such offer, solicitation or sale is unlawful prior to the registration or qualification under the securities laws of any such state or other jurisdiction. About Cousins Properties Cousins Properties is a fully integrated, self-administered and self-managed real estate investment trust ("REIT"). The Company, based in Atlanta, GA and acting through the Operating Partnership, primarily invests in Class A office buildings located in high growth Sun Belt markets. Founded in 1958, Cousins creates shareholder value through its extensive expertise in the development, acquisition, leasing, and management of high-quality real estate assets. The Company has a comprehensive strategy in place based on a simple platform, trophy assets, and opportunistic investments. Forward-Looking Statements Certain matters contained in this press release are "forward-looking statements" within the meaning of the federal securities laws and are subject to uncertainties and risks, as itemized in Item 1A included in the Company's Annual Report on Form 10-K for the year ended December 31, 2023 and in the Company's Quarterly Reports on Form 10-Q for the quarters ended June 30, 2024 and September 30, 2024 . These forward-looking statements include information about the Company's possible or assumed future results of the business and the Company's financial condition, liquidity, results of operations, plans, and objectives. They also include, among other things, statements regarding subjects that are forward-looking by their nature, such as: guidance and underlying assumptions; business and financial strategy; future debt financings; future acquisitions and dispositions of operating assets or joint venture interests; future acquisitions and dispositions of land, including ground leases; future acquisitions of investments in real estate debt; future development and redevelopment opportunities; future issuances and repurchases of common stock, limited partnership units, or preferred stock; future distributions; projected capital expenditures; market and industry trends; future occupancy or volume and velocity of leasing activity; entry into new markets, changes in existing market concentrations, or exits from existing markets; future changes in interest rates and liquidity of capital markets; and all statements that address operating performance, events, investments, or developments that we expect or anticipate will occur in the future — including statements relating to creating value for stockholders. Any forward-looking statements are based upon management's beliefs, assumptions, and expectations of our future performance, taking into account information that is currently available. These beliefs, assumptions, and expectations may change as a result of possible events or factors, not all of which are known. If a change occurs, our business, financial condition, liquidity, and results of operations may vary materially from those expressed in forward-looking statements. Actual results may vary from forward-looking statements due to, but not limited to, the following: the availability and terms of capital and our ability to obtain and maintain financing arrangements on terms favorable to us or at all; the ability to refinance or repay indebtedness as it matures; any changes to our credit rating; the failure of purchase, sale, or other contracts to ultimately close; the failure to achieve anticipated benefits from acquisitions, developments, investments, or dispositions; the effect of common stock or operating partnership unit issuances, including those undertaken on a forward basis, which may negatively affect the market price of our common stock; the availability of buyers and pricing with respect to the disposition of assets; changes in national and local economic conditions, the real estate industry, and the commercial real estate markets in which we operate (including supply and demand changes), particularly in Atlanta , Austin , Tampa , Charlotte , Phoenix , Dallas , and Nashville , including the impact of high unemployment, volatility in the public equity and debt markets, and international economic and other conditions; threatened terrorist attacks or sociopolitical unrest such as political instability, civil unrest, armed hostilities, or political activism, which may result in a disruption of day-to-day building operations; changes to our strategy in regard to our real estate assets may require impairment to be recognized; leasing risks, including the ability to obtain new tenants or renew expiring tenants, the ability to lease newly-developed and/or recently acquired space, the failure of a tenant to commence or complete tenant improvements on schedule or to occupy leased space, and the risk of declining leasing rates; changes in the preferences of our tenants brought about by the desire for co-working arrangements, trends toward utilizing less office space per employee, and the effect of employees working remotely; any adverse change in the financial condition or liquidity of one or more of our tenants or borrowers under our real estate debt investments; volatility in interest rates (including the impact upon the effectiveness of forward interest rate contract arrangements) and insurance rates; inflation; competition from other developers or investors; the risks associated with real estate developments (such as zoning approval, receipt of required permits, construction delays, cost overruns, and leasing risk); supply chain disruptions, labor shortages, and increased construction costs; risks associated with security breaches through cyberattacks, cyber intrusions or otherwise, as well as other significant disruptions of our information technology networks and related systems, which support our operations and our buildings; changes in senior management, changes in the Company's board of directors, and the loss of key personnel; the potential liability for uninsured losses, condemnation, or environmental issues; the potential liability for a failure to meet regulatory requirements, including the Americans with Disabilities Act and similar laws or the impact of any investigation regarding the same; the financial condition and liquidity of, or disputes with, joint venture partners; any failure to comply with debt covenants under debt instruments and credit agreements; any failure to continue to qualify for taxation as a real estate investment trust or meet regulatory requirements; potential changes to state, local, or federal regulations applicable to our business; material changes in dividend rates on common shares or other securities or the ability to pay those dividends; potential changes to the tax laws impacting real estate investment trusts and real estate in general; risks associated with climate change and severe weather events, as well as the regulatory efforts intended to reduce the effects of climate changes and investor and public perception of our efforts to respond to the same; the impact of newly adopted accounting principles on our accounting policies and on period-to-period comparisons of financial results; risks associated with possible federal, state, local, or property tax audits; and those additional risks and environmental or other factors discussed in reports filed with the Securities and Exchange Commission by the Company. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release. The Company cannot guarantee the accuracy of any such forward-looking statements contained in this press release, and the Company does not intend to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Contacts Roni Imbeaux Vice President, Finance and Investor Relations 404-407-1104 rimbeaux@cousins.com View original content: https://www.prnewswire.com/news-releases/cousins-properties-announces-pricing-of-senior-notes-offering-302330787.html SOURCE Cousins PropertiesEx-Colorado footballer Bloom dedicates time to fulfilling wishes for older adults

Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews. You can open a Roth IRA at banks, credit unions, online brokerages, and through robo-advisors. Diversify your Roth IRA portfolio with stocks, bonds, ETFs, and mutual funds. Choose both hands-on and hands-off methods for managing your Roth IRA. Individual retirement arrangements ( IRAs ) are powerful long-term savings vehicles that are considered among the best retirement plans for preserving and growing wealth. Anyone with an income can open an IRA in addition to or as a replacement for a 401(k) plan. There are several types of IRAs, but a Roth IRA stands out for its robust tax advantages, withdrawal flexibility, and high earning potential. The best Roth IRA accounts are available through online brokerages, banks, and other financial institutions. A Roth IRA is funded with post-tax income — money you've already paid income taxes. Because of this, withdrawals in retirement are not subject to taxes. This makes these accounts a smart option if you expect to be in a higher tax bracket during retirement than you are today. Unlike traditional IRAs, Roth IRA contributions are not tax-deductible. Are you considering starting a Roth IRA to reach your retirement goals? Here's how to get started. Steps to prepare to open a Roth IRA Consider various factors before opening a Roth IRA, such as your eligibility and goals. While there are no age requirements for opening a Roth IRA, you must have earned income within the year to contribute. Contributing to an IRA from a young age is a great way to gradually increase your savings with long-term investment opportunities and the power of compound interest. Roth IRA contributions have income limits. For single tax filers in 2024, your modified adjusted gross income (MAGI) must be less than $161,000 to be eligible for at least a partial contribution. If you're married and filing jointly, your combined MAGI must be less than $240,000. For at least eligibility for a partial contribution, your MAGI must be below $165,000 in 2025. Married couples filing jointly must make less than $246,000 in 2025 Read more on Roth vs. traditional IRA s » You can contribute up to $7,000 to a Roth IRA in 2024 and 2025. If you're 50 or older, you can contribute an additional catch-up contribution of $1,000. A few IRA providers offer an IRA match (typically between 1-3%), which works similarly to a 401(k) employer-match contribution. The brokerage or bank will match up to a set percentage for every dollar you contribute toward your Roth IRA. IRA-match contributions don't count toward your annual limit. Make sure you have the following documentation and information to open a Roth IRA: A copy of your government-issued ID, such as a driver's license or passport Your personal information, including your name, phone number, address, date of birth, and Social Security number Details on your beneficiaries or whom you'd like to inherit the account when you die Your preferred contribution method Banking information (if you want to fund the account with an electronic transfer) or information on your other 401(k) or IRAs (if you're doing a rollover) Choosing the right financial institutions To select the best financial institutions to open an IRA, consider the following: The first step to opening a Roth IRA is to choose what type of institution you'll open your IRA through. There are many options to choose from, including: Banks: Most banks offer traditional and Roth IRAs to their customers. Sometimes, banks require an existing checking or savings account before you can open an IRA with them. Having your IRA and bank account on the same platform makes contributing retirement savings simple. However, you may not get access to as many investment opportunities or trading features. Credit unions: Opening a Roth IRA through a credit union is only recommended for pre-retirees looking to invest a significant portion of their retirement savings into high-yield CDs. However, credit union IRAs are more limited regarding investment options and brokerage services. Online brokerage: Suitable for passive or active investing strategies. Brokerages offer full-service management and may have a wider selection of investments. If you want the most economical option, consider looking for brokers with low or no account fees and various commission- and fee-free investment options. Robo-advisors: Generally best for a hands-off investing approach. The best robo-advisors come with low management fees, risk-based investment options, automatic portfolio balancing, and other perks. Robo-advisors can often be managed using an online dashboard. Not all IRA accounts are built the same. Some IRA offerings are objectively better than others. Don't open your Roth IRA with the first financial institution you stumble across. Instead, review factors such as: Fees and commissions Investment options Customer service Account minimums Investment strategies Trustworthiness Avoid basing your decision entirely on fees or commissions. While choosing an affordable solution is important, other factors should also play a role, including your tech-savvy level, investment know-how, the institution's investing minimums, and the service it's known for. "Consider the overall service you'll be receiving," says Heather Welsh, CFP and senior vice president of wealth planning at Sequoia Financial Group . "While robo-advisors are generally inexpensive, your level of comfort with technology might suggest taking a different direction and talking with your bank or financial advisor." Opening your Roth IRA account Opening an account is usually pretty simple and can often be done easily online or through your brokerage. The exact process will vary. "How you open an account will depend on your selected IRA provider or advisor," Welsh says. "If you take the do-it-yourself approach, you can likely do it online. If you work with a bank or advisor, you will be provided with forms to open the account, either electronically or in hard copy, depending on their processes and your preferences." Whether doing the opening process online or in person, ensure you have all the necessary documentation and information. Once your IRA has been established, you can begin making contributions. Link a bank account: You may be able to link your bank account and directly transfer funds. "As a general rule, I'd say the more you can add to your retirement funds, the better off you'll be in the future," says Scott Staton, RICP and founder of Staton Financial Group . Rolling over funds from a 401(k): If you roll funds over from a 401(k) or another retirement, you'll also have some forms to fill out. The best rollover IRAs send the money directly to your new IRA account. Others may send you a check, which you must deposit into the new IRA yourself. Typically, the whole process takes anywhere from two to four weeks. Rolling over funds from a traditional IRA: If you roll over funds to a traditional IRA, you won't need to pay taxes on the funds until you start making withdrawals. If you roll over funds to a Roth IRA, though, you'll owe taxes on the rolled-over amount when you file your annual returns. Rollover check: If you receive the rollover check directly, make sure to deposit it quickly. If you fail to deposit your rollover funds within 60 days, it will qualify as a withdrawal and could mean a penalty if you are not of retirement age. Selecting investments for your Roth IRA After you've funded your account, you can begin investing. "One important thing to understand is, an IRA isn't an investment, nor does it pay a particular rate of return," Staton says. "What determines the rate of return and level of risk of an IRA are the investment choices you make within it." There are many investment options, including: Stocks: Stocks allow you to purchase ownership shares of publicly traded companies. Bonds : Bonds are debt securities that offer money to investors and, often, the government. They're one of the lowest-risk investments you can make. Mutual funds: Mutual funds are investment pools made up of many different investments. They're managed professionally, and individual consumers can buy shares in the fund. Index funds: Index funds are stock portfolios that aim to match the returns of a specific market index, such as the S&P 500. ETFs: Exchange Traded Funds, or ETF s, are baskets of securities that track an index, like the S&P 500 — similar to index funds. These can be traded throughout the day on the stock market. Target-date funds : Target-date funds operate with a certain retirement year in mind. As you approach that date, the investments shift, reducing your risk and exposure to loss. You don't have to choose just one type of investment. You can — and should — diversify your portfolio with investments in several types of securities. Portfolio diversification reduces your exposure to risk. One way to easily diversify your portfolio is with low-cost ETFs. Understanding how risk and volatility affect your investment portfolio is crucial to reaching your investment goals and protecting your savings. Riskier asset classes are appealing because they offer the potential for higher returns. You can review the historical returns of different asset classes to see the level of risk and volatility involved. A general rule of thumb is that you should gradually invest in less risky investments as you near retirement age. Investing in a Roth IRA is no different. Younger investors, such as those in their 20s and 30s, have more time to recover from any significant losses than investors in their 50s. Your personal preference, retirement goals, and estimated retirement age may also affect the level of risk you take in your portfolio. Consult a financial advisor to help you allocate your Roth IRA assets according to your needs. Managing your Roth IRA Like any investment account, Roth IRAs require ongoing review and management to ensure you're on track to meet your retirement goals. You can manage your Roth IRA by regularly monitoring your portfolio's investments and rebalancing as you see fit. Since retirement saving is a long-term investment strategy, this doesn't mean checking every day — once or twice a year should be enough. Otherwise, you may get distracted (or scared) by natural fluctuations in the market. Some people use a Roth IRA as a tax-advantaged savings account or emergency fund since you can withdraw your original contributions (not including the growth) penalty-free at any time. However, leaving the funds in your account alone for as long as possible is the best practice to build long-term wealth and get the maximum benefit of compound interest. Talk to a financial advisor or Certified Financial Planner if you're unsure or need guidance. They can provide advice personalized to your exact goals and finances. Roth IRA FAQs The steps to start a Roth IRA are determining your eligibility, deciding how much to contribute, gathering the necessary documents, choosing financial institutions, opening your account, selecting investments, and managing your IRA effectively. You can contribute up to $7,000 to a Roth IRA in 2024. Individuals aged 50 and older can make an additional $1,000 catch-up contribution for a total contribution of $8,000. You can hold various types of investments in a Roth IRA, including stocks, bonds, mutual funds, ETFs, and target-date funds. The right mix depends on your risk tolerance and investment horizon. Experts recommend diversifying your retirement portfolio with different asset classes to mitigate risk and volatility. Yes, there are income limits for contributing to a Roth IRA. These limits vary based on your tax filing status and modified adjusted gross income (MAGI). To qualify, single filers must make below $161,000 annually. If you're married and filing jointly, your combined MAGI must be under $240,000. Yes, you can open a Roth IRA online. The process is typically straightforward and can be completed in a few steps, including filling out an application, setting your goals, and funding your account. Credit cards Investing apps Retirement savings Cryptocurrency The stock market Retail investingMTCH Stockholders with Large Losses Should Contact Shareholder Rights Law Firm Robbins LLP for Information About the Match Group, Inc. Class ActionRichard Allen , the man convicted of the brutal 2017 Delphi murders, has been sentenced to 130 years in prison. This is a major moment in the long-running case that gripped the nation. The sentencing comes after a thorough trial where compelling evidence linked Allen to the tragic deaths of Abigail "Abby" Williams, 13, and Liberty "Libby" German, 14. The two teens were found murdered near a hiking trail in Delphi, Indiana, a day after they disappeared. The Delphi murders took place in February 2017 when Abby and Libby went for a walk on the Monon High Trail. Their bodies were found the next day, hidden under sticks in a wooded area near the trail. The case received national attention, with the victims' families and the community rallying for justice. Also Read : Donald Trump takes this bold decision ahead of January 20 swearing-in ceremony. How will US President-elect be benefitted? A key piece of evidence in the case was a video recorded by Libby on her phone, which showed an unidentified man later dubbed "Bridge Guy" walking near them and instructing them to go "down the hill." This chilling video became a central piece of evidence during the trial. Richard Allen, a longtime CVS employee from Delphi, was convicted of two counts of murder and felony murder. Evidence presented during the trial included an unspent bullet recovered from the crime scene, which matched a firearm found in Allen’s home during a 2022 search. Additionally, witnesses testified seeing Allen on the trail around the time of the murders, and a jacket matching the description of “Bridge Guy’s” attire was also recovered from his home. 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Allen claimed he was mentally unstable at the time, and his defense plans to appeal the verdict, asserting his innocence and pointing to his deteriorating mental health. Also Read : The Brutalist: Is is available on streaming? When and where to watch online FAQs: What was shown in Libby’s video? Libby’s video captured the voice and image of a man telling the girls to go “down the hill,” which helped investigators identify Richard Allen. Did Richard Allen confess to the crimes? Yes, Allen confessed to the killings multiple times in prison, though his attorneys claim his mental health may have influenced his statements. (You can now subscribe to our Economic Times WhatsApp channel )

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