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Florida State made official on Monday the hiring of Gus Malzahn as offensive coordinator, confirming weekend reports that he would resign as UCF head coach to reunite with Seminoles coach Mike Norvell. UCF had confirmed on Sunday reports of Malzahn's exit but not his destination, and FSU had not made an announcement until Monday afternoon. "I am excited to be here at Florida State and to help us win championships," Malzahn said in a statement. "It's exciting to work with Coach Norvell, who is someone I believe in as a coach and leader." Norvell, who served as a graduate assistant under Malzahn at Tulsa in 2007-08, said on Saturday night after the Seminoles' 31-11 loss to Florida that he could not identify the new offensive coordinator until the hiring process was finalized. Florida State, which is 2-10 overall and 1-7 in the Atlantic Coast Conference, is ranked No. 132 of 133 FBS programs in total offense (270.2 yards per game). The Seminoles are 130th in the nation in scoring offense (15.4 points per game). Norvell shook up his staff, including firing offensive coordinator/offensive line coach Alex Atkins on Nov. 10 after a 52-3 defeat at Notre Dame. "I'm extremely excited to have Gus Malzahn join our staff at Florida State," Norvell said in the school's statement on Monday. "He has one of the most innovative minds in college football and a proven track record of developing elite offenses everywhere he's been. "His offenses have consistently showcased a tremendous running game combined with explosive plays through the air. I'm thrilled to work side-by-side with Gus again as we elevate the Florida State offense back to one of the elite groups in college football." UCF also endured a tough 2024 season, going 4-8 after losing eight of its last nine games. During Malzahn's four-year tenure, the Knights went 28-24, including 5-13 in the Big 12 Conference the last two seasons. Malzahn, 59, is 105-62 in 13 seasons as a college head coach, highlighted by a 68-35 mark in eight seasons at Auburn -- which included a BCS title game appearance in 2013. He served as offensive coordinator and play caller when the Tigers won the national title in 2010. Malzahn will be tasked with revitalizing a Florida State offense that helped produce a 13-1 campaign in 2023, when the Seminoles were denied a spot in the College Football Playoff. Over the last three seasons at UCF, his rushing attack has been in the Top 10 in the nation. In his 19 seasons as a college head coach or offensive coordinator, Malzahn's teams have averaged 447.7 yards per game, and three of his teams eclipsed 7,000 yards in a season. --Field Level MediaCINCINNATI , Nov. 22, 2024 /PRNewswire/ -- The Kroger Co. (NYSE: KR) today announced that Stuart Aitken is stepping down as senior vice president, chief merchandising and marketing officer, to pursue other professional opportunities. Aitken will remain in his role at Kroger through December 31, 2024 . Mary Ellen Adcock , Kroger's senior vice president of operations, will succeed him as chief merchandising and marketing officer. " Mary Ellen is a respected leader both within Kroger and our industry," said Rodney McMullen , Kroger's chairman and CEO. "Her deep strategic experience in her past 25 years with Kroger in roles of increasing responsibility will continue to drive value for customers and growth for our business and associates." Continuing in their current roles as leaders of the company's operations are senior vice presidents of retail operations Valarie Jabbar and Kenny Kimball , who oversee Kroger operating divisions, and group vice president of retail operations Paula Kash , who leads enterprise retail operations, which includes asset protection, corporate food technology and e-commerce operations. They will now report to McMullen. "On behalf of the Kroger Board and management team, I want to thank Stuart for his work to evolve Kroger's brand while bringing exciting, innovating products to our shelves," said McMullen. "He played an instrumental role in overseeing dunnhumby's integration and establishing 84.51o. We wish Stuart and his family all the best as they embark on a new chapter." About Mary Ellen Adcock Adcock served as Kroger's senior vice president of operations since 2019. In this role, she leads strategic operations for the company's more than 2,700 stores across 35 states supporting more than 416,000 associates and serving 11 million customers every day. Adcock oversees customer experience, associate experience, asset protection, process change and productivity improvement initiatives and is responsible for maintaining the highest food safety and regulatory standards. As senior vice president of operations, Adcock has delivered more than $1 billion in annual operations savings for six consecutive years. This strategic focus on efficiency improvements provided Kroger the ability to reinvest those savings to consistently lower prices for customers and increase wages for associates. Adcock achieved this efficiency goal while also improving the customer and associate experience by developing Kroger's Full, Fresh & Friendly: Every Customer Every Time program. Adcock also played a lead role in operationalizing Zero Hunger | Zero Waste, Kroger's commitment to end hunger in the communities it serves and eliminate waste as a company. She led the organization in achieving 100% store participation in the company's surplus food rescue program for the first time. Adcock joined Kroger in 1999 in the company's manufacturing division, where she held a variety of leadership positions. In 2009, she was promoted to vice president of deli/bakery manufacturing, and in 2012, Adcock became vice president of natural foods. In 2014, she led merchandising and operations for the Columbus division. Adcock was promoted to group vice president of retail operations in 2016 and named as senior vice president of retail operations in 2019. In 2022, Adcock was a Top Women in Grocery Trailblazer. About Kroger At The Kroger Co. (NYSE: KR), we are dedicated to our Purpose: To Feed the Human SpiritTM. We are, across our family of companies nearly 420,000 associates who serve over 11 million customers daily through a seamless digital shopping experience and retail food stores under a variety of banner names , serving America through food inspiration and uplift, and creating #ZeroHungerZeroWaste communities. To learn more about us, visit our newsroom and investor relations site. View original content to download multimedia: https://www.prnewswire.com/news-releases/kroger-announces-chief-merchandising-and-marketing-officer-succession-302314616.html SOURCE The Kroger Co.49ers to place RBs Christian McCaffrey, Jordan Mason on injured reserve

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MAA Announces Regular Quarterly Preferred Dividend

SANTA CLARA, Calif., Nov. 25, 2024 (GLOBE NEWSWIRE) -- Agora, Inc. (NASDAQ: API) (the “Company”), a pioneer and leader in real-time engagement technology, today announced its unaudited financial results for the third quarter ended September 30, 2024. “Recently, we launched our Conversational AI SDK in collaboration with OpenAI’s Realtime API to allow developers to bring voice-driven AI experiences to any app. We believe multimodal AI agents that can interact with human through natural voice will gain widespread adoption across many use cases such as customer support, education and wellness, and Agora is well positioned to become a key infrastructure provider for real-time conversational AI,” said Tony Zhao, founder, chairman and CEO of Agora. “To support this vision, we recently made some structural changes, aligning our organization to fully leverage the accelerating conversational AI opportunities, and operate in a faster, leaner, and more responsive fashion. These changes will help us build the next generation real-time engagement technology for the Generative AI era and strengthen our position as the leader in real-time engagement space.” Third Quarter 2024 Highlights Third Quarter 2024 Financial Results Revenues Total revenues were $31.6 million in the third quarter of 2024, a decrease of 9.8% from $35.0 million in the same period last year. Revenues of Agora were $15.7 million in the third quarter of 2024, an increase of 2.6% from $15.3 million in the same period last year, primarily due to our business expansion and usage growth in sectors such as live shopping. Revenues of Shengwang were RMB112.9 million ($15.9 million) in the third quarter of 2024, a decrease of 20.0% from RMB141.2 million ($19.7 million) in the same period last year, primarily due to a decrease in revenues of RMB 17.5 million ($2.4 million) due to the end-of-sale of certain products and reduced usage from customers in certain sectors such as social and entertainment as a result of challenging macroeconomic and regulatory environment. Cost of Revenues Cost of revenues was $10.5 million in the third quarter of 2024, a decrease of 16.4% from $12.6 million in the same period last year, primarily due to the end-of-sale of certain products and the decrease in bandwidth usage and costs, which was offset partially by severance expenses for customer support teams of $0.3 million. Gross Profit and Gross Margin Gross profit was $21.0 million in the third quarter of 2024, a decrease of 6.1% from $22.4 million in the same period last year. Gross margin was 66.7% in the third quarter of 2024, an increase of 2.7% from 64.0% in the same period last year, mainly due to the end-of-sale of certain low-margin products, which was offset partially by higher severance expenses in the third quarter of 2024. Operating Expenses Operating expenses were $45.9 million in the third quarter of 2024, an increase of 24.3% from $36.9 million in the same period last year, primarily due to the increase in restructuring and severance expenses in the third quarter of 2024, which included share-based compensation of $11.4 million as a result of the cancellation of certain employees’ equity awards and immediate recognition of relevant remaining unrecognized compensation expenses, as well as severance expenses of $4.4 million. Loss from Operations Loss from operations was $24.7 million in the third quarter of 2024, compared to $13.9 million in the same period last year. Interest Income Interest income was $3.9 million in the third quarter of 2024, compared to $4.9 million in the same period last year, primarily due to the decrease in the average balance of cash, cash equivalents, bank deposits and financial products issued by banks and the decrease in average interest rate realized. Losses from equity in affiliates Losses from equity in affiliates were $4.2 million in the third quarter of 2024, primarily due to an impairment loss on an investment in certain private company of $4.1 million. Net Loss Net loss was $24.2 million in the third quarter of 2024, compared to $22.5 million in the same period last year. Net Loss per American Depositary Share attributable to ordinary shareholders Net loss per American Depositary Share (“ADS”)1 attributable to ordinary shareholders was $0.26 in the third quarter of 2024, compared to $0.23 in the same period last year. 1 One ADS represents four Class A ordinary shares. Share Repurchase Program During the three months ended September 30, 2024, the Company repurchased approximately 6.8 million of its Class A ordinary shares (equivalent to approximately 1.7 million ADSs) for approximately US$3.9 million under its share repurchase program, representing 1.9% of its US$200 million share repurchase program. As of September 30, 2024, the Company had repurchased approximately 129.4 million of its Class A ordinary shares (equivalent to approximately 32.3 million ADSs) for approximately US$113.7 million under its share repurchase program, representing 57% of its US$200 million share repurchase program. As of September 30, 2024, the Company had 368.3 million ordinary shares (equivalent to approximately 92.1 million ADSs) outstanding, compared to 449.8 million ordinary shares (equivalent to approximately 112.5 million ADSs) outstanding as of January 31, 2022 before the share repurchase program commenced. The current share repurchase program will expire at the end of February 2025. Executive Leadership Update Today the Company announced that Chief Security Officer Roger Hale will be leaving the Company, effective immediately. Mr. Hale has served in this role for the past 2.5 years, during which he made significant contributions to enhancing the Company’s security, compliance, and data protection protocols. Mr. Hale will work closely with senior leadership to ensure a smooth transition of his responsibilities. Moving forward, Patrick Ferriter and Robbin Liu will assume responsibility for security and compliance, reflecting the Company’s commitment to maintaining a strong and effective security framework. Mr. Hale will continue to provide strategic advice as an advisor to the Company. “We are grateful for Roger’s dedication and expertise over the past two and a half years. His leadership has been invaluable in strengthening our security & compliance foundation,” said Tony Zhao, founder, chairman and CEO of Agora. “Security and compliance remain top priorities for Agora, and we will continue to uphold the highest standards to protect our customers and stakeholders.” Financial Outlook Based on currently available information, the Company expects total revenues for the fourth quarter of 2024 to be between $34 million and $36 million, compared to $31.6 million in the third quarter of 2024, and $33.3 million in the fourth quarter of 2023 if revenues from certain end-of-sale low-margin products were excluded. The Company also expects significant improvement in net income / (loss) in the fourth quarter. This outlook reflects the Company's current and preliminary views on the market and operational conditions, which are subject to change. Earnings Call The Company will host a conference call to discuss the financial results at 5 p.m. Pacific Time / 8 p.m. Eastern Time on November 25, 2024. Details for the conference call are as follows: Event title: Agora, Inc. 3Q 2024 Financial Results The call will be available at https://edge.media-server.com/mmc/p/wie28zvr Investors who want to hear the call should log on at least 15 minutes prior to the broadcast. Participants may register for the call with the link below. https://register.vevent.com/register/BIf58a0b6f500c4362b1a8c64f9fa4cea8 Please visit the Company’s investor relations website at https://investor.agora.io on November 25, 2024 to view the earnings release and accompanying slides prior to the conference call. Use of Non-GAAP Financial Measures The Company has provided in this press release financial information that has not been prepared in accordance with generally accepted accounting principles in the United States (“GAAP”). The Company uses these non-GAAP financial measures internally in analyzing its financial results and believe that the use of these non-GAAP financial measures is useful to investors as an additional tool to evaluate ongoing operating results and trends and in comparing its financial results with other companies in its industry, many of which present similar non-GAAP financial measures. Besides free cash flow (as defined below), each of these non-GAAP financial measures represents the corresponding GAAP financial measure before share-based compensation expenses, acquisition related expenses, amortization expenses of acquired intangible assets, income tax related to acquired intangible assets and impairment of goodwill. The Company believes that such non-GAAP financial measures help identify underlying trends in its business that could otherwise be distorted by the effects of such share-based compensation expenses, acquisition related expenses, amortization expenses of acquired intangible assets, income tax related to acquired intangible assets and impairment of goodwill that it includes in its cost of revenues, total operating expenses and net income (loss). The Company believes that all such non-GAAP financial measures also provide useful information about its operating results, enhance the overall understanding of its past performance and future prospects and allow for greater visibility with respect to key metrics used by its management in its financial and operational decision-making. Non-GAAP financial measures are not meant to be considered in isolation or as a substitute for comparable GAAP financial measures and should be read only in conjunction with the Company’s consolidated financial statements prepared in accordance with GAAP. A reconciliation of its historical non-GAAP financial measures to the most directly comparable GAAP measures has been provided in the tables captioned “Reconciliation of GAAP to Non-GAAP Measures” included at the end of this press release, and investors are encouraged to review the reconciliation. Definitions of the Company’s non-GAAP financial measures included in this press release are presented below. Non-GAAP Net Income (Loss) Non-GAAP net income (loss) is defined as net income (loss) adjusted to exclude share-based compensation expenses, acquisition related expenses, amortization expenses of acquired intangible assets, income tax related to acquired intangible assets and impairment of goodwill. Free Cash Flow Free cash flow is defined as net cash provided by operating activities less purchases of property and equipment (excluding the acquisition of land use right and the payment for the headquarters project). The Company considers free cash flow to be a liquidity measure that provides useful information to management and investors regarding net cash provided by operating activities and cash used for investments in property and equipment required to maintain and grow the business. Operating Metrics The Company also uses other operating metrics included in this press release and defined below to assess the performance of its business. Active Customers An active customer at the end of any period is defined as an organization or individual developer from which the Company generated more than $100 of revenue during the preceding 12 months. Customers are counted based on unique customer account identifiers. Generally, one software application uses the same customer account identifier throughout its life cycle while one account may be used for multiple applications. Dollar-Based Net Retention Rate Dollar-Based Net Retention Rate is calculated for a trailing 12-month period by first identifying all customers in the prior 12-month period, and then calculating the quotient from dividing the revenue generated from such customers in the trailing 12-month period by the revenue generated from the same group of customers in the prior 12-month period. As the vast majority of revenue generated from Agora’s customers is denominated in U.S. dollars, while the vast majority of revenue generated from Shengwang’s customers is denominated in Renminbi, Dollar-Based Net Retention Rate is calculated in U.S. dollars for Agora and in Renminbi for Shengwang, which has substantially removed the impact of foreign currency translations. Shengwang excluded the revenues from certain end-of-sale products, Easemob’s CEC business and K12 academic tutoring sector. The Company believes Dollar-Based Net Retention Rate facilitates operating performance comparisons on a period-to-period basis. Safe Harbor Statements This press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended and the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical or current fact included in this press release are forward-looking statements, including but not limited to statements regarding the Company’s financial outlook, beliefs and expectations. Forward-looking statements include statements containing words such as “expect,” “anticipate,” “believe,” “project,” “will” and similar expressions intended to identify forward-looking statements. Among other things, the Financial Outlook in this announcement contain forward-looking statements. These forward-looking statements are based on the Company’s current expectations and involve risks and uncertainties. The Company’s actual results and the timing of events could differ materially from those anticipated in such forward-looking statements as a result of these risks and uncertainties, which include, without limitation, risks related to the growth of the RTE-PaaS market; the Company’s ability to manage its growth and expand its operations; the continued impact of COVID-19 on global markets and the Company’s business, operations and customers; the Company’s ability to attract new developers and convert them into customers; the Company’s ability to retain existing customers and expand their usage of its platform and products; the Company’s ability to drive popularity of existing use cases and enable new use cases, including through quality enhancements and introduction of new products, features and functionalities; the Company’s fluctuating operating results; competition; the effect of broader technological and market trends on the Company’s business and prospects; general economic conditions and their impact on customer and end-user demand; and other risks and uncertainties included elsewhere in the Company’s filings with the Securities and Exchange Commission (“SEC”), including, without limitation, the final prospectus related to the IPO filed with the SEC on June 26, 2020. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release. All forward-looking statements are qualified in their entirety by this cautionary statement, and the Company undertakes no obligation to revise or update any forward-looking statements to reflect events or circumstances after the date hereof. About Agora, Inc. Agora, Inc. is the Cayman Islands holding company of two independent divisions, under Agora brand and Shengwang brand, respectively, whose businesses are conducted through separate entities. Headquartered in Santa Clara, California, Agora is a pioneer and global leader in Real-Time Engagement Platform-as-a-Service (PaaS), providing developers with simple, flexible, and powerful application programming interfaces, or APIs, to embed real-time voice, video, interactive live-streaming, chat, whiteboard, and artificial intelligence capabilities into their applications. Headquartered in Shanghai, China, Shengwang is a pioneer and leading Real-Time Engagement PaaS provider in the China market. For more information on Agora, please visit: www.agora.io For more information on Shengwang, please visit: www.shengwang.cn Agora, Inc. Condensed Consolidated Balance Sheets (Unaudited, in US$ thousands) Agora, Inc. Condensed Consolidated Statements of Comprehensive Loss (Unaudited, in US$ thousands, except share and per ADS amounts) Agora, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited, in US$ thousands) Agora, Inc. Reconciliation of GAAP to Non-GAAP Measures (Unaudited, in US$ thousands, except share and per ADS amounts) Investor Contact: investor@agora.io Media Contact: press@agora.ioApple has reportedly ordered next-gen M5 chips for its new iPad Pro and Macs from TSMC, with mass production expected in 2H 2025. In a new report from TheElec, we're learning that Apple's new M5 chips will be made on TSMC's new 3nm process node, and not the advanced 2nm node that was previously expected. Apple's current-gen M4 chips are made on TSMC 3nm process node, but the new M5 chips are NOT being made on 2nm most likely because of the higher costs involved. Instead, Apple is expected to use TSMC's new System-on-Integrated-Chip (SoIC) technology, with the 3D chip-stacking approach boosts thermal management and reduces electrical leakage compared to traditional 2D designs for its new M5 processors. Apple has reportedly expanded its cooperation with TSMC for the next-generation hybrid SoIC packaging technology, which also combines thermoplastic carbon fiber composite molding technology. This new packaging technology reportedly entered a small trial production phase in July 2024. It's expected that Apple's new M5 processors will be used in new iPad Pros and Macs, but also in Apple's AI server farms. According to a particular report, because the company is using a dual-use SoIC design, Apple can use its new M5 processor in its AI server infrastructure to increase its AI capabilities across both consumer devices (iPads, Macs, etc) and cloud services.

Robinson scores 25 in Mercer's 90-89 OT win against Jacksonville5 ways to tell if you’re on track for retirement — and 5 things to do if you need to catch up, according to expertsBy LINDSEY BAHR Do you have a someone in your life who plays Vulture’s Cinematrix game every morning? Or maybe they have the kitchen television turned to Turner Classic Movies all day and make a point of organizing Oscar polls at work? Hate to break it to you: They might be a hard-to-please cinephile. But while you might not want to get into a winless debate over the “Juror No. 2” release or the merits of “Megalopolis” with said person, they don’t have to be hard to buy gifts for. The Associated Press has gathered up some of the best items out there to keep any movie lover stylish and informed. While Christopher Nolan dreams up his next film, fans can tide themselves over by revisiting his modern classic “Interstellar,” which will be back in IMAX theaters on the weekend of Dec. 6, followed by the home release of a new collector’s edition on 4K Ultra HD and Blu-ray ($59.95). A third disc in the set, available Dec. 10, contains more than two hours of bonus content, like a never-before-seen storyboard sequence, and new interviews with Nolan, producer Emma Thomas and famous fans Peter Jackson and Denis Villeneuve . Elaine May does not give interviews anymore. But thankfully that didn’t deter writer Carrie Courogen, who did a remarkable job stitching together the life of one of our culture’s most fascinating, and prickly, talents. “Miss May Does Not Exist” is full of delightful anecdotes about the sharp and satirical comedian who gained fame as one half of Nichols and May and went on to direct films like “The Heartbreak Kid” and “Mikey and Nicky.” Courogen writes about May’s successes, flops and her legendary scuffles with the Hollywood establishment. It’s a vital companion to Mark Harris’ biography of Mike Nichols . Macmillan. $30. The Academy Museum of Motion Pictures has an exclusive new “Matrix” sweatshirt for sale in conjunction with its Cyberpunk exhibition. Brain Dead Studios designed and created several items, including the black hoodie ($140), a white rabbit tee ($54) and a pint glass ($18). If you can’t make it to Los Angeles to check out the “Color in Motion” exhibit for yourself, the Academy Museum also has a beautiful new companion book for sale ($55) charting the development of color technology in film and its impact. It includes photos from films like “The Red Shoes,” “Vertigo,” “2001: A Space Odyssey,” and images of rare prints from the silent era. The Academy Museum Store is having a sale (20% off everything) from Nov. 28 to Dec. 2. Related Articles Things To Do | US airports with worst weather delays during holiday season Things To Do | The right book can inspire the young readers in your life, from picture books to YA novels Things To Do | These holiday gifts change the game when building fires, printing photos, watching birds and more Things To Do | Beer pairings for your holiday feasts Things To Do | Make these Tahini-Roasted Sweet Potatoes for Thanksgiving Want to look like a real film festival warrior, the kind who sees five movies a day, files a review and still manages to make the late-night karaoke party? You’re going to need the ultimate status tote from the independent streaming service MUBI . Simple, to-the-point and only for people in the know. $25. Film magazines may be an endangered species, but print is not dead at The Metrograph . Manhattan’s coolest movie theater is starting a biannual print publication “for cinephiles and cultural connoisseurs alike.” The first issue’s cover art is by cinematographer Ed Lachman (“Carol”), and contributors include the likes of Daniel Clowes, Ari Aster, Steve Martin and Simon Rex. There’s also a conversation with Clint Eastwood. It’s currently available for pre-order and will be in bookstores Dec. 10 for $25 ($15 for Metrograph members). This is not a book about filmmaking styles, camera angles and leadership choices. It’s literally about what directors wear. “How Directors Dress: On Set, in the Edit, and Down the Red Carpet” ($40) has over 200 archival photos of filmmakers in action: Spike Lee in his basketball caps, Sofia Coppola in her Charvet button-ups, Steven Spielberg’s denim on denim and many more. With a forward by the always elegant Joanna Hogg and writing from some of the top fashion journalists, it’s a beautiful look at how filmmakers really dress for work — and might even be a source of inspiration.

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 | How to protect your communications through encryption Business | Army and Navy team up for hypersonic missile launch from Cape Canaveral Business | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? Business | Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases Whether you’ve been saving since your first job or you’re getting a late start, you can leverage expert-recommended strategies to gauge your progress on the road to retirement. And if you’re not quite on track, don’t sweat it — the experts we spoke to offered actionable tips to help you close the gap. You might have a general idea of how much money you need to save for retirement . A few quick calculations can give you an estimate, but to truly appreciate where you stand, you’ll need to dive into the numbers. Here’s how to get started. A good rule of thumb to estimate your retirement savings goal is the Rule of 25 . Simply multiply your desired annual retirement income by 25. The result is roughly how much you’ll need to save before hitting retirement. For example, if you plan to spend $50,000 a year, you’ll need about $1.25 million to make it a reality. The Rule of 25 is based on the idea that withdrawing 4% annually from your retirement savings should last you about 30 years. While it’s not an exact science by any means — health care costs and lifestyle changes can skew the numbers, for example — the Rule of 25 can be a good starting point to figure out how much you need to save. Fidelity Investments, a behemoth in the retirement planning space, offers savings guidelines to help you determine if you’re on track . —By age 30: Save 1x your annual salary —By age 40: Save 3x your annual salary —By age 50: Save 6x your annual salary —By age 60: Save 8x your annual salary —By age 67: Save 10x your annual salary For example, if you earn $60,000 annually, you should aim for $600,000 in savings by age 67. But like the Rule of 25, Fidelity’s guidelines offer a 10,000-foot look at retirement goals, and they’re not customized to your situation. Maybe you earned a low salary in your 20s, but you’re working hard in your 30s to make up for it. Use these estimates as a benchmark — but don’t get discouraged if you’re lagging behind. Now it’s time to zoom in a little. To get a clearer snapshot of your progress, use an online retirement calculator. These tools factor in your age, current savings, income and lifestyle goals to estimate whether you’re on track. You’ll get a more refined estimate without crunching the numbers yourself. Bankrate’s retirement calculator even lets you input different rates of return on your investments and accounts for estimated annual salary increases. Having a general savings goal is nice, but to avoid falling short in retirement, you’ll need more than a ballpark figure. Experts recommend creating a retirement budget to get an up-close-and-personal look at how much you’ll really need once you leave the workforce. First, estimate how much you’ll spend per month in retirement. While some costs will increase, like health care, others will likely decrease, like dining out and commuting. “Estimating expenses can be challenging for some people, so as a starting point, I often use your net take-home pay,” says Jeff DeLarme, a certified financial planner and president of DeLarme Wealth Management. For example, if you receive a direct deposit of $2,500 every two weeks from work, use $5,000 as your estimated monthly spending in retirement. “Assuming this was enough to pay the bills while working, we can use $5,000 a month as a starting budget to plan for,” says DeLarme. Next, map out your sources of income in retirement. Social Security is the largest income stream for most retirees, but don’t neglect other inflows, such as: —Workplace retirement accounts, like 401(k)s —Personal retirement accounts, like a traditional or Roth IRA —Pensions —Annuities —Selling your home or business —Rental income —Inheritance “If there’s a gap between your expected expenses and income, you’ll have a good idea of how much you need to save,” says Mike Hunsberger, a certified financial planner and owner of Next Mission Financial Planning. From there, you can adjust your savings and investment strategy accordingly. For something as important (and complex) as retirement planning, it pays to speak with a professional. Financial advisers can analyze your savings, investments and retirement goals to create a personalized plan. Advisers use special planning software that account for more variables than an online calculator, giving you a much more precise, granular look at your financial life in retirement. Many financial advisers can also help you optimize your tax strategy, which can potentially save you thousands of dollars over time. Make sure the adviser you hire is a fiduciary , meaning they’re legally obligated to prioritize your interests over their own. A fiduciary won’t push investments to earn a commission or recommend products that aren’t aligned with your needs. A certified financial planner is one of the most well-recognized designations for fiduciaries. You can use Bankrate’s adviser matching tool to find a certified financial planner in your area in minutes. Maybe you did the math and realized you’re not quite where you need to be. Don’t panic if you’re behind schedule. Here are five strategies experts recommend to help you catch up on your retirement savings . Cutting expenses now frees up more cash to invest in your retirement accounts. Evaluate your budget and identify areas where you can cut costs, like dining out, streaming subscriptions or shopping. Don’t rule out bigger lifestyle changes either, especially if retirement is rapidly approaching. Housing is the biggest monthly expense for most people. Getting creative here can help amplify the amount you can sock away, says Joseph Boughan, a certified financial planner and managing member at Parkmount Financial Partners. It can also reduce your expenses in retirement, so you may not need to save as much as before. “Downsizing can be a great way to cut expenses,” says Boughan. “This can even free up cash if you don’t end up needing all that money for a new home.” Moving somewhere with lower property taxes or income taxes can also help bring your retirement plan back in line. And if you’re a renter, making tough short-term decisions, like taking on a roommate or moving to a lower cost-of-living area, can free up hundreds of dollars a month for your retirement. “Everyone’s plan is unique, so exploring all the options is important,” Boughan says. Joe Conroy, a certified financial planner and owner of Harford Retirement Planners, recommends taking a “retirement test drive” as you near your target date. “Start to live on what income you think you can afford in retirement and stash all the extra income into savings and investments,” says Conroy. “If you can make it through each month, you’re ready for retirement. If you run short, then adjust your plan accordingly.” Working a little longer can be a game-changer for your retirement nest egg. Not only does it give you more time to save, it also gives your investments room to grow. “Working longer or even just part time for a few years early in retirement is one of the best ways to reduce the amount of money you need to save,” says Hunsberger. Postponing retirement can also boost your Social Security benefits . “You can claim as early as 62, but your benefits will be reduced significantly,” says Hunsberger. Meanwhile, each year you delay claiming Social Security benefits beyond your full retirement age , your monthly check will increase by 8%, though this benefit maxes out at age 70. So waiting can really pay off. It may seem obvious, but if you’re behind on retirement savings, you’ll need to boost your contributions as much as possible. Here are a few ways to make saving for retirement easier: —Increase your contribution rate: Allocate a larger portion of your paycheck to a workplace retirement plan. Even bumping up your contributions by 1% or 2% can make a huge difference down the road. —Take advantage of your employer match: Don’t leave free money on the table. Many employers will chip in between 3 and 5% depending on your plan, so make sure you’re contributing enough to take advantage of the benefit. —Use “unexpected” money to catch up: If you get a raise or bonus at work, funnel part of it directly into your 401(k). And if you get a refund at tax time, siphon some of it off to beef up your IRA. If you’ve been investing in low-risk, low-return investments, you may not be keeping up with inflation, let alone growing your nest egg. Reallocating part of your portfolio to stocks or low-cost growth exchange-traded funds (ETFs) is one way to get your money working harder. Higher-risk investments like stocks carry more volatility but also offer higher potential returns. Work with a financial adviser or use a robo-adviser to strike the right balance between growth and your personal risk tolerance. Contribution limits for 401(k) plans and IRAs are higher for people over 50. For 2025, employees aged 50 and up who participate in most 401(k) plans or the federal government’s Thrift Savings Plan can save up to $31,000 annually, including a $7,500 catch-up contribution . But thanks to SECURE 2.0 , a sweeping retirement law, a new higher catch-up contribution limit of $11,250 applies for employees ages 60 to 63. So, if you’re in this age group, you can squirrel away a whopping $34,750 a year during the final stretch of your career. Of course, you’ll need a big salary (think six figures) in order to take full advantage of such massive contribution limits. But if you can afford it, these catch-up allowances can put your plan back on track, especially if you struggled to save much early in your career. There’s no GPS to gauge your progress on the road to retirement. If you’ve veered off course or aren’t sure where to start, begin by getting a quick estimate of how much you’ll need before mapping out a retirement budget. And if you’re behind, don’t panic — adjusting your spending, boosting your contributions and speaking with a financial adviser can help you catch up. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

MENOMONEE FALLS, Wis.--(BUSINESS WIRE)--Nov 25, 2024-- Kohl’s Corporation ("Kohl’s" or the "Company") (NYSE: KSS) today announced that Chief Executive Officer Tom Kingsbury plans to step down as CEO, effective January 15, 2025. He will stay on in an advisory role to the new CEO and retain his position on Kohl's Board of Directors (the "Board") through his retirement in May 2025, after which the size of the board will be reduced by one. The Board has appointed retail veteran Ashley Buchanan as CEO, effective January 15. Buchanan has been CEO of Michaels Companies since 2020 and, prior to that, has held a variety of senior executive roles at Walmart and Sam's Club during his 13 years at the company. Board Chair Michael Bender stated, “The Board is very grateful for Tom's leadership and ongoing service to Kohl's. Tom joined our Board in 2021. He then stepped up as interim CEO in 2022 and agreed to take the permanent position as CEO through May 2025. Under his leadership, the company is undergoing a transformation to elevate its product portfolio, enhance the store experience and improve its long-term financial health and profitability. On behalf of all Kohl’s associates, we thank Tom for his leadership, for his role working with the Board on our CEO search, and for supporting Ashley through this transition.” Bender added, “We are excited to welcome Ashley to Kohl's. His vast retail experience leading operations, merchandising, and e-commerce at Walmart and his past five years as CEO of Michaels will bring a steady, proven, innovative leader to Kohl's as we continue to transform the business and drive future growth. During his time at Michaels, he improved profitability and cash flow while driving operational efficiencies across the business. He also introduced new ways to leverage technology and e-commerce, allowing Michaels to more effectively meet customers where they are today. He has driven change by setting a clear vision, empowering teams, and practicing organizational accountability for results. We know he will be a great leader for Kohl's and will bring a new perspective in our next chapter." Kingsbury stated, "I've loved working in the retail industry for more than 40 years and it's been an honor to finish my career at Kohl's, a company that I've known and loved since I was a kid in Wisconsin. I'm proud of what the team has accomplished with our focus on enhancing the customer experience, driving value for customers, and running a sound and profitable business. I am optimistic for what is ahead for Kohl's associates, customers and shareholders." Buchanan stated, "I am thrilled to join Kohl's, a storied and respected brand in the retail industry. We have the privilege of serving millions of families all across the country, and I'm excited to work with the teams to evolve our business – building off the strength of our brand and loyal customer base while also creating a compelling retail experience for the future." Mr. Buchanan has been CEO and President of Michaels Companies since 2020, where he improved profitability, expanded the company's omnichannel approach by significantly growing the digital business, enhanced the store base with a smaller format model, and simplified its merchandise strategy. Prior to Michaels, he held a variety of executive positions at Walmart during his 13 years at the company, including Chief Merchandising and Chief Operating Officer for Walmart U.S. e-Commerce. Before that, he was Chief Merchant at Sam's Club where he led merchandising strategy, private brands, pricing, global sourcing, packaging and supply chain. Buchanan joined Walmart from Dell where he held a variety of positions in finance, and Accenture, where he focused on the retail industry. He holds a Bachelor of Business Administration in finance and real estate as well as a Master of Business Administration from Baylor University. Third Quarter 2024 Sales and Earnings Results Kohl's will announce its Q3 earnings results tomorrow morning at 9:00 a.m. ET, November 26, 2024. A webcast of the conference call and related presentation materials will be available on the Company's website at investors.kohls.com , both live and after the call. About Kohl’s Kohl’s (NYSE: KSS) is a leading omnichannel retailer built on a foundation that combines great brands, incredible value and convenience for our customers. Kohl’s is uniquely positioned to deliver against its long-term strategy and its purpose to take care of families’ realest moments. Kohl's serves millions of families in its more than 1,100 stores in 49 states, online at Kohls.com , and through the Kohl's App. With a large national footprint, Kohl’s is committed to making a positive impact in the communities it serves. For a list of store locations or to shop online, visit Kohls.com . For more information about Kohl’s impact in the community or how to join our winning team, visit Corporate.Kohls.com . Cautionary Statement Regarding Forward-Looking Information This press release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as “believes,” “anticipates,” “plans,” “may,” “intends,” “will,” “should,” “expects" and similar expressions are intended to identify forward-looking statements. Forward-looking statements are based on management’s then current views and assumptions and, as a result, are subject to certain risks and uncertainties, which could cause the Company’s actual results to differ materially from those projected. These risks and uncertainties include, but are not limited to, risks described more fully in Item 1A in the Company’s Annual Report on Form 10-K, which are expressly incorporated herein by reference, and other factors as may periodically be described in the Company’s filings with the SEC. Forward-looking statements relate to the date initially made, and Kohl’s undertakes no obligation to update them. View source version on businesswire.com : https://www.businesswire.com/news/home/20241125131125/en/ CONTACT: Investor Relations Contact: Jill Timm, (262) 703-2203,jill.timm@kohls.comMedia Contact: Jen Johnson, (262) 703-5241,jen.johnson@kohls.com KEYWORD: WISCONSIN UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: FOOTWEAR FASHION COSMETICS RETAIL JEWELRY HOME GOODS DEPARTMENT STORES SOURCE: Kohl’s Copyright Business Wire 2024. PUB: 11/25/2024 04:30 PM/DISC: 11/25/2024 04:32 PM http://www.businesswire.com/news/home/20241125131125/en

AP News Summary at 2:39 p.m. ESTDecember 2, 2024 This article has been reviewed according to Science X's editorial process and policies . Editors have highlightedthe following attributes while ensuring the content's credibility: fact-checked proofread by Frontiers Journals In a study published in Engineering , researchers from Jilin University have achieved a significant breakthrough in high-temperature ultrahigh pressure generation using a Walker-type large-volume press (LVP). This advancement has opened new avenues for exploring novel materials and understanding Earth's interior. The paper is titled "Ultrahigh Pressure Generation at High Temperatures in a Walker-Type Large-Volume Press and Multiple Applications." The team successfully generated pressures ranging from 37.3 to 40.4 GPa at temperatures between 1900 and 2100 K. They achieved this by employing newly designed ZK01F tungsten carbide (WC) anvils with tapered surfaces. These anvils, along with cell assemblies containing hard materials and a sample volume of approximately 1 mm 3 , were crucial in expanding the pressure range. Additionally, specific adjustments to the apparatus enhanced its performance. The study also investigated the pressure efficiencies of different WC anvils and cell assemblies. Through meticulous experimentation, the researchers were able to optimize the setup for higher pressure generation. They compared the new-ZK01F anvils with other commercial hard carbide anvils, such as Fujilloy F08 and Hawedia, analyzing their mechanical properties and performance under high pressure . The applications of this ultrahigh pressure technology are far-reaching. In materials science , the team synthesized and characterized bulk samples of nearly pure sp 3 -hybridized ultrahard amorphous carbon. These samples exhibited remarkable properties, including high hardness and tunable band gaps. Core–shell nanocrystals with high Néel temperatures were also synthesized, showing potential for applications in information storage and sensing. For Earth science, the researchers studied the solubility of water and oxygen vacancies in lower mantle minerals. By synthesizing large-sized single crystals of lower-mantle minerals, they gained insights into the composition and structure of Earth's interior. This could help explain phenomena such as mid-lower-mantle slab stagnation. The researchers believe that with further advancements, the Walker-type LVP could reach even higher pressures, enabling more in-depth studies of materials and Earth's interior. The broader range of feasible pressures and temperatures in LVPs holds great promise for future scientific and industrial applications. More information: Xuyuan Hou et al, Ultrahigh Pressure Generation at High Temperatures in a Walker-Type Large-Volume Press and Multiple Applications, Engineering (2024). DOI: 10.1016/j.eng.2023.03.023 Provided byFrontiers Journals