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By SAMY MAGDY CAIRO — Famine is spreading in Sudan due to a war between the military and a notorious paramilitary group that has devastated the country and created the world’s largest displacement crisis, a global hunger monitoring group said Tuesday. The Integrated Food Security Phase Classification, or IPC, said it detected famine in five areas, including in Sudan’s largest displacement camp, Zamzam , in North Darfur province, where famine was found for the first time in August. The report said the war has triggered unprecedented mass displacement and a collapsing economy. It said hostilities can result in farmers abandoning their crops, looting and stock destruction. FILE – People gather to collect water in Khartoum, Sudan, May 28, 2023. (AP Photo/Marwan Ali, File) FILE – Sudanese Khadiga Omer adam sits by her sick child in an MSF-run clinic in the Aboutengue displacement site near Acre, Chad, Friday, Oct 4. 2024. (AP Photo/Sam Mednick, File) FILE – Sudanese refugees arrive in Acre, Chad, Sunday, Oct 6. 2024. (AP Photo/Sam Mednick, File) File – A man walks by a house hit in recent fighting in Khartoum, Sudan, an area torn by fighting between the military and the notorious paramilitary Rapid Support Forces, April 25, 2023. (AP Photo/Marwan Ali, File) FILE – Residents displaced from a surge of violent attacks squat on blankets and in hastily made tents in the village of Masteri in west Darfur, Sudan, on July 30, 2020. (Mustafa Younes via AP, File) FILE – A World Food Programme (WFP) truck backs up to load food items from a recently landed UN helicopter, in Yida camp, South Sudan, Sept. 14, 2012. (AP Photo/Mackenzie Knowles-Coursin) FILE – Sudanese refugee girls carry water supplies near a polling station in the refugee camp of Zamzam, on the outskirts of El Fasher, Darfur, Sudan, on April 13, 2010. (AP Photo/Nasser Nasser, File) FILE -People line up in front of a bakery during a cease-fire in Khartoum, Sudan, May 27, 2023. (AP Photo/Marwan Ali, File) This grab from video shows smoke rising over Khartoum, Sudan on Thursday Sept. 26, 2024, after Sudan’s military started an operation to take areas of the capital from its rival, the paramilitary Rapid Support Forces. (AP Photo/Rashed Ahmed) File – A man walks by a house hit in recent fighting in Khartoum, Sudan, an area torn by fighting between the military and the notorious paramilitary Rapid Support Forces, April 25, 2023. (AP Photo/Marwan Ali, File) FILE – People gather to collect water in Khartoum, Sudan, May 28, 2023. (AP Photo/Marwan Ali, File) FILE – Sudanese refugees displaced by the conflict in Sudan gather to receive food staples from aid agencies at the Metche Camp in eastern Chad Tuesday, March 5, 2024. (AP Photo/Jsarh Ngarndey Ulrish, File) Women who fled war in Sudan rest in a refugee camp in Adre, Chad, Saturday, Oct. 5, 2024. (AP Photo/Sam Mednick) A woman who fled war in Sudan and requested anonymity because she feared retribution after reporting sexual exploitation, holds her baby in a refugee camp in Adre, Chad, Saturday, Oct. 5, 2024. (AP Photo/Sam Mednick) People cross into Chad from Sudan in Adre, Chad, Sunday, Oct. 6, 2024. (AP Photo/Sam Mednick) A woman who fled war in Sudan digs in a refugee camp in Adre, Chad, Thursday, Oct. 3, 2024. (AP Photo/Sam Mednick) Patients are treated in an MSF-run clinic in the Aboutengue displacement site near Acre, Chad, Friday, Oct 4. 2024. (AP Photo/Sam Mednick) Halima Habdullha holds her 7-month-old severely malnourished daughter Kaltum Abakar in an MSF-run clinic in the Aboutengue displacement site near Acre, Chad, Friday, Oct 4. 2024. (AP Photo/Sam Mednick) Ousmane Taher and his family cross from Sudan into Chad near Acre Sunday, Oct 6. 2024. (AP Photo/Sam Mednick) Sudanese refugees arrive in Acre, Chad, Sunday, Oct 6. 2024. (AP Photo/Sam Mednick) FILE – People gather to collect water in Khartoum, Sudan, May 28, 2023. (AP Photo/Marwan Ali, File) Along with the Zamzam camp, which has more than 400,000 people, famine was also detected in two other camps for displaced people, Abu Shouk and al-Salam in North Darfur, and the Western Nuba Mountains, the IPC report said. Five other areas in North Darfur are projected “with reasonable evidence” to experience famine in the next six months, including el-Fasher, the provincial capital of North Darfur, it said. Seventeen areas in the Nuba Mountains and the northern and southern areas of Darfur are at risk of famine, it added. The report also said some areas in the capital, Khartoum, and the east-central province of Gezira “may be experiencing” famine-like conditions. It said experts were unable to confirm whether famine threshold has been surpassed due to lack of data. “It is not merely a lack of food but a profound breakdown of health, livelihoods and social structures, leaving entire communities in a state of desperation,” it said. There is widespread hunger, with food in markets scarce and prices high. Aid groups say they struggle to reach the most vulnerable as warring parties limit access, especially in North Darfur province. Ahead of the IPC’s report, Sudan’s government said it had suspended its participation in the global monitoring system, according to a senior United Nations official with knowledge of the move. In a letter dated Dec. 23, Agriculture Minister Abu Baker al-Beshri accused the IPC of “issuing unreliable reports that undermine Sudan’s sovereignty and dignity,” said the U.N. official, who spoke in condition of anonymity to discuss the letter. Sudan’s 20-month war has killed more than than 24,000 people and driven over 14 million people — about 30% of the population — from their homes, according to the United Nations. An estimated 3.2 million Sudanese have crossed into neighboring countries including Chad, Egypt and South Sudan. The war began in April 2023 when tensions between its military and paramilitary Rapid Support Forces exploded into fighting in Khartoum before spreading to other areas. The conflict has been marked by atrocities including ethnically motivated killing and rape, according to the U.N. and rights groups. The International Criminal Court is investigating alleged war crimes and crimes against humanity. Dervla Cleary, a senior emergency and rehabilitation officer at the U.N.’s Food and Agriculture Organization, said 638,000 people are experiencing famine. “The situation in Sudan is just awful. It is unacceptable in a world like today,” she said. The IPC report called for a ceasefire, calling it the only way to reduce the risk of famine spreading further.” Sudan is the third country where famine was declared in the past 15 years, along with South Sudan and Somalia. The IPC comprises more than a dozen U.N. agencies, aid groups and governments that use its monitoring as a global reference for analysis of food and nutrition crises. The organization has also warned that large parts of Gaza’s Palestinian population face the threat of famine.Rachel Christian | (TNS) Bankrate.com Just because retirement planning involves some guesswork doesn’t mean it has to be a total mystery. Related Articles Business | The year in money: inflation eased, optimism ticked upward Business | Nearly half of US teens are online ‘constantly,’ Pew report finds Business | How to protect your communications through encryption Business | How Florida’s push for affordable housing is faring as new year approaches Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. You might have a general idea of how much money you need to save for retirement . A few quick calculations can give you an estimate, but to truly appreciate where you stand, you’ll need to dive into the numbers. Here’s how to get started. A good rule of thumb to estimate your retirement savings goal is the Rule of 25 . Simply multiply your desired annual retirement income by 25. The result is roughly how much you’ll need to save before hitting retirement. For example, if you plan to spend $50,000 a year, you’ll need about $1.25 million to make it a reality. The Rule of 25 is based on the idea that withdrawing 4% annually from your retirement savings should last you about 30 years. While it’s not an exact science by any means — health care costs and lifestyle changes can skew the numbers, for example — the Rule of 25 can be a good starting point to figure out how much you need to save. Fidelity Investments, a behemoth in the retirement planning space, offers savings guidelines to help you determine if you’re on track . —By age 30: Save 1x your annual salary —By age 40: Save 3x your annual salary —By age 50: Save 6x your annual salary —By age 60: Save 8x your annual salary —By age 67: Save 10x your annual salary For example, if you earn $60,000 annually, you should aim for $600,000 in savings by age 67. But like the Rule of 25, Fidelity’s guidelines offer a 10,000-foot look at retirement goals, and they’re not customized to your situation. Maybe you earned a low salary in your 20s, but you’re working hard in your 30s to make up for it. Use these estimates as a benchmark — but don’t get discouraged if you’re lagging behind. Now it’s time to zoom in a little. To get a clearer snapshot of your progress, use an online retirement calculator. These tools factor in your age, current savings, income and lifestyle goals to estimate whether you’re on track. You’ll get a more refined estimate without crunching the numbers yourself. Bankrate’s retirement calculator even lets you input different rates of return on your investments and accounts for estimated annual salary increases. Having a general savings goal is nice, but to avoid falling short in retirement, you’ll need more than a ballpark figure. Experts recommend creating a retirement budget to get an up-close-and-personal look at how much you’ll really need once you leave the workforce. First, estimate how much you’ll spend per month in retirement. While some costs will increase, like health care, others will likely decrease, like dining out and commuting. “Estimating expenses can be challenging for some people, so as a starting point, I often use your net take-home pay,” says Jeff DeLarme, a certified financial planner and president of DeLarme Wealth Management. For example, if you receive a direct deposit of $2,500 every two weeks from work, use $5,000 as your estimated monthly spending in retirement. “Assuming this was enough to pay the bills while working, we can use $5,000 a month as a starting budget to plan for,” says DeLarme. Next, map out your sources of income in retirement. Social Security is the largest income stream for most retirees, but don’t neglect other inflows, such as: —Workplace retirement accounts, like 401(k)s —Personal retirement accounts, like a traditional or Roth IRA —Pensions —Annuities —Selling your home or business —Rental income —Inheritance “If there’s a gap between your expected expenses and income, you’ll have a good idea of how much you need to save,” says Mike Hunsberger, a certified financial planner and owner of Next Mission Financial Planning. From there, you can adjust your savings and investment strategy accordingly. For something as important (and complex) as retirement planning, it pays to speak with a professional. Financial advisers can analyze your savings, investments and retirement goals to create a personalized plan. Advisers use special planning software that account for more variables than an online calculator, giving you a much more precise, granular look at your financial life in retirement. Many financial advisers can also help you optimize your tax strategy, which can potentially save you thousands of dollars over time. Make sure the adviser you hire is a fiduciary , meaning they’re legally obligated to prioritize your interests over their own. A fiduciary won’t push investments to earn a commission or recommend products that aren’t aligned with your needs. A certified financial planner is one of the most well-recognized designations for fiduciaries. You can use Bankrate’s adviser matching tool to find a certified financial planner in your area in minutes. Maybe you did the math and realized you’re not quite where you need to be. Don’t panic if you’re behind schedule. Here are five strategies experts recommend to help you catch up on your retirement savings . Cutting expenses now frees up more cash to invest in your retirement accounts. Evaluate your budget and identify areas where you can cut costs, like dining out, streaming subscriptions or shopping. Don’t rule out bigger lifestyle changes either, especially if retirement is rapidly approaching. Housing is the biggest monthly expense for most people. Getting creative here can help amplify the amount you can sock away, says Joseph Boughan, a certified financial planner and managing member at Parkmount Financial Partners. It can also reduce your expenses in retirement, so you may not need to save as much as before. “Downsizing can be a great way to cut expenses,” says Boughan. “This can even free up cash if you don’t end up needing all that money for a new home.” Moving somewhere with lower property taxes or income taxes can also help bring your retirement plan back in line. And if you’re a renter, making tough short-term decisions, like taking on a roommate or moving to a lower cost-of-living area, can free up hundreds of dollars a month for your retirement. “Everyone’s plan is unique, so exploring all the options is important,” Boughan says. Joe Conroy, a certified financial planner and owner of Harford Retirement Planners, recommends taking a “retirement test drive” as you near your target date. “Start to live on what income you think you can afford in retirement and stash all the extra income into savings and investments,” says Conroy. “If you can make it through each month, you’re ready for retirement. If you run short, then adjust your plan accordingly.” Working a little longer can be a game-changer for your retirement nest egg. Not only does it give you more time to save, it also gives your investments room to grow. “Working longer or even just part time for a few years early in retirement is one of the best ways to reduce the amount of money you need to save,” says Hunsberger. Postponing retirement can also boost your Social Security benefits . “You can claim as early as 62, but your benefits will be reduced significantly,” says Hunsberger. Meanwhile, each year you delay claiming Social Security benefits beyond your full retirement age , your monthly check will increase by 8%, though this benefit maxes out at age 70. So waiting can really pay off. It may seem obvious, but if you’re behind on retirement savings, you’ll need to boost your contributions as much as possible. Here are a few ways to make saving for retirement easier: —Increase your contribution rate: Allocate a larger portion of your paycheck to a workplace retirement plan. Even bumping up your contributions by 1% or 2% can make a huge difference down the road. —Take advantage of your employer match: Don’t leave free money on the table. Many employers will chip in between 3 and 5% depending on your plan, so make sure you’re contributing enough to take advantage of the benefit. —Use “unexpected” money to catch up: If you get a raise or bonus at work, funnel part of it directly into your 401(k). And if you get a refund at tax time, siphon some of it off to beef up your IRA. If you’ve been investing in low-risk, low-return investments, you may not be keeping up with inflation, let alone growing your nest egg. Reallocating part of your portfolio to stocks or low-cost growth exchange-traded funds (ETFs) is one way to get your money working harder. Higher-risk investments like stocks carry more volatility but also offer higher potential returns. Work with a financial adviser or use a robo-adviser to strike the right balance between growth and your personal risk tolerance. Contribution limits for 401(k) plans and IRAs are higher for people over 50. For 2025, employees aged 50 and up who participate in most 401(k) plans or the federal government’s Thrift Savings Plan can save up to $31,000 annually, including a $7,500 catch-up contribution . But thanks to SECURE 2.0 , a sweeping retirement law, a new higher catch-up contribution limit of $11,250 applies for employees ages 60 to 63. So, if you’re in this age group, you can squirrel away a whopping $34,750 a year during the final stretch of your career. Of course, you’ll need a big salary (think six figures) in order to take full advantage of such massive contribution limits. But if you can afford it, these catch-up allowances can put your plan back on track, especially if you struggled to save much early in your career. There’s no GPS to gauge your progress on the road to retirement. If you’ve veered off course or aren’t sure where to start, begin by getting a quick estimate of how much you’ll need before mapping out a retirement budget. And if you’re behind, don’t panic — adjusting your spending, boosting your contributions and speaking with a financial adviser can help you catch up. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.
CALGARY, Alberta – Minnesota Wild goalie Marc-Andre Fleury bounded down the tunnel and onto the ice for his 1,000th NHL start and what was presumably the final start of his career in the home rink of the Edmonton Oilers — a team he’d beaten 16 times previously in his career. ADVERTISEMENT He corralled one of the dozens of pucks strewn around the ice and fired toward the cage he would soon be guarding. But his attempt at an empty-net goal was foiled when the puck he had shot hit another puck at the top of the crease and both slid to the corners of the rink. It was just the first thing that would go wrong for the guy teammates lovingly call “Flower” on this night. Less than 30 seconds into the game, he swung at a puck bouncing in his direction all the way from the red line. He missed, and the Oilers led 1-0 on a fluke that had the Rogers Place crowd roaring and smiling. After the initial shock wore off, Fleury was smiling too. “I haven’t played in so long, I wanted to do well and help the team, and at the beginning to let that one in, I was mad for a little bit and then I just laughed. It was so stupid,” he said following Minnesota’s 5-3 win, which gave him a 4-0-1 record for the season. “The guys came by and they gave me a tap, and they laughed and kind of made it a little lighter. And they battled well, nobody sat back.” ADVERTISEMENT Just under 60 minutes of game time later, Flower was the one grinning in the Wild locker room as Minnesota won its ninth road game in a dozen opportunities. Fleury finished with 28 saves, and the other two Edmonton goals both went off the skates of Wild defenders. In the first period, he made a sprawling poke-check save to thwart Oilers star Connor McDavid’s rush to the net that had the Edmonton crowd primed to explode again. It was the 1,030th appearance in an NHL game for Fleury, moving him past Patrick Roy into third in the NHL record books for most games played by a goalie. He will turn 40 on Thanksgiving Day and has been in the league since 2003, after the Penguins made him the first-overall pick in that summer’s draft. But with Filip Gustavsson off to a fantastic start as the Wild’s mainstay in the crease, and Jesper Wallstedt waiting in the wings (in Iowa) presumably as the franchise’s goalie of the future, Fleury finds himself in a new role: backup goalie. Perhaps the only time his ever-present smile seemed forced following the win in Edmonton was when Fleury pointed out, on two occasions, that it was his first start in three weeks, since a win at San Jose on Nov. 7. ADVERTISEMENT Minnesota coach John Hynes reiterated on Friday afternoon that there was, for a brief moment, a thought that the Wild would carry three goalies — Gustavsson, Fleury and Wallstedt — for a time in October, meaning there would be two backups, or a rotation plus a third stringer. It didn’t work out that way. “Gus and Flower played well. Wally played well. But based on contracts and things like that and where everyone’s at in their career, Wally went down and played (in Iowa) and he’s doing a good job now and has found his game,” Hynes said. “But Flower’s playing really well and Gus is playing really well. So, it hasn’t been that he’s...the understudy. It’s just, here’s what we need to do everyday and then we’ll try to let you know when we’re going to start. Sometimes, it might be in advance. Sometimes, it might be a little closer to the game.” Fleury has made it clear that this will be the final season of his career, so like a rare flower that only blooms once in a while, seeing one of his remaining starts is worth seeking out. Of course, with the Wild defying expectations, the team’s fanbase is clearly hoping this flower keeps blooming well into May or even June. ADVERTISEMENT ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .The Qatar National Library (QNL) explored strategies to support language development and encourage a passion for books among children in the latest edition of the “Our Children Matter” Forum, a series dedicated to childhood education and health. Titled “Reading Challenges – Insights and Strategies to Effectively Support Language Development”, the session brought together parents, educators, school librarians, and teachers along with mental health experts and consultants to discuss the most effective tools to foster a love of reading in children, help young people overcome challenges they may have in their personal, social, and family lives, and support them in overcoming difficulties they may have with reading. Psychology and education consultant Dr Mustafa Abu Saad was joined by developmental paediatric consultant Dr Hadeel Yassin Faras and Dr Khalid al-Naama, director of Family Research and Policies at the Doha International Family Institute. Maram al-Mahmoud, manager of the QNL’s Children’s & Young Adults’ Library, said that the event, like many other initiatives by the library, equipped various stakeholders with the knowledge and tools to empower children and young people, thus contributing to its mission to promote lifelong learning. “Reading is one of the most important skills that a child can learn, impacting language development and attainment in subjects across school curricula, from sciences to the humanities,” she said. “It can also, of course, be hugely enjoyable – a love of books opens new worlds to children, firing their imaginations, offering inspiration and developing their ambitions.” “That is why today’s event was so important,” al-Mahmoud continued. “In a world of electronic devices competing for their attention, it is important that we learn the best ways to encourage our children to pick up a book, particularly if they find reading difficult.” Related Story QF signs pact to enhance cultural, religious education FBQ Museum hosts Qatar-Morocco 2024 Year of Culture exhibition
NetApp, Inc . NTAP reported better-than-expected second-quarter results on Thursday. NetApp reported quarterly earnings of $1.87 per share, which beat the analyst consensus estimate of $1.78. Quarterly revenue came in at $1.65 billion, which beat the analyst consensus estimate of $1.64 billion and is an increase over revenue of $1.56 billion from the same period last year. "Our strong Q2 performance was driven by another record-breaking quarter in all-flash storage and strong performance in first party and marketplace cloud storage services," said George Kurian, CEO of NetApp. "Broad-based customer preference for our intelligent data infrastructure platform and visionary approach for a data-driven future has enabled us to outgrow the market and take share from competitors. Our focus and momentum fuel my confidence in our ability to deliver outstanding results for customers and shareholders." The company said it sees FY25 revenue of $6.54 billion to $6.74 billion and GAAP earnings of $5.48 to $5.68 per share, with non-GAAP EPS of $7.20 to $7.40. NetApp shares fell 3.3% to trade at $122.46 on Friday. These analysts made changes to their price targets on NetApp following earnings announcement. B of A Securities analyst Wamsi Mohan maintained NetApp with an Underperform and raised the price target from $115 to $121. Northland Capital Markets analyst Nehal Chokshi maintained NetApp with a Market Perform and raised the price target from $108 to $120. Morgan Stanley analyst Meta Marshall maintained NetApp with an Equal-Weight and raised the price target from $127 to $132. Barclays analyst Tim Long maintained NetApp with an Equal-Weight and increased the price target from $119 to $132. Wells Fargo analyst Aaron Rakers maintained NetApp with an Equal-Weight and raised the price target from $135 to $140. Stifel analyst Matthew Sheerin maintained the stock with a Buy and raised the price target from $140 to $145. TD Cowen analyst Karl Ackerman maintained NetApp with a Buy and raised the price target from $145 to $160. Citigroup analyst Asiya Merchant maintained the stock with a Neutral and raised the price target from $130 to $135. Read More: Jim Cramer Says This Stock Is A Bitcoin Play And He Prefers To Own Bitcoin © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
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A melee broke out at midfield of Ohio Stadium after Michigan upset No. 2 Ohio State 13-10 on Saturday. After the Wolverines' fourth straight win in the series, players converged at the block "O" to plant its flag. The Ohio State players were in the south end zone singing their alma mater in front of the student section. When the Buckeyes saw the Wolverines' flag, they rushed toward the 50-yard line. Social media posts showed Michigan offensive lineman Raheem Anderson carrying the flag on a long pole to midfield, where the Wolverines were met by dozens of Ohio State players and fights broke out. Buckeyes defensive end Jack Sawyer was seen ripping the flag off the pole and taking the flag as he scuffled with several people trying to recover the flag. A statement from the Ohio State Police Department read: "Following the game, officers from multiple law enforcement agencies assisted in breaking up an on-field altercation. During the scuffle, multiple officers representing Ohio and Michigan deployed pepper spray. OSUPD is the lead agency for games and will continue to investigate." Michigan running back Kalel Mullings on FOX said: "For such a great game, you hate to see stuff like that after the game. It's bad for the sport, bad for college football. At the end of the day, some people got to learn how to lose, man. "You can't be fighting and stuff just because you lost the game. We had 60 minutes and four quarters to do all that fighting. Now people want to talk and fight. That's wrong. It's bad for the game. Classless, in my opinion. People got to be better." Once order was restored, officers cordoned the 50-yard line, using bicycles as barriers. Ohio State coach Ryan Day in his postgame press conference said he wasn't sure what happened. "I don't know all the details of it. But I know that these guys are looking to put a flag on our field and our guys weren't going to let that happen," he said. "I'll find out exactly what happened, but this is our field and certainly we're embarrassed at the fact we lost the game, but there's some prideful guys on our team that weren't just going to let that happen." The Big Ten has not yet released a statement on the incident. --Field Level Media
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