The typical 40-year-old is 15 or more years into their working life, and many people who reach an important milestone age like 40 are wondering how they’re doing financially. Specifically, many people ask themselves whether they have enough money in savings – but how much is enough?

Note: It is important to point out that this is different than retirement Savings that should be held in a tax-deferred account such as a 401(k) or individual retirement account (IRA).

Let’s take a closer look at how much cash a 40-year-old should have in the bank.

What are you saving for?

A good goal is to have six months of living expenses covered in an easily accessible savings account by age 40. Many experts refer to this as your emergency fund. The idea is to have enough money to weather a job loss, unforeseen health care costs, or pretty much anything else that life throws at you.

In addition to spending six months in an emergency savings account, it is advisable to keep some extra money in a non-emergency savings account. This is intended to cover costs such as higher-than-average electricity bills or low maintenance costs for the house.

The point is that these are examples of unexpected costs, but they aren’t exactly financial emergencies. It’s important to keep your essential emergency savings separate from the money you could use for everyday expenses.

Do you want to maximize the interest on your emergency savings? Check this out Top online savings accounts at the moment.

How much do You Need to save?

To be clear, there is nothing wrong with the six-month policy. Regardless of your specific circumstances, having six months’ worth of expenses in a savings account that is separate from your retirement savings will prepare you for the vast majority of unforeseen situations.

However, remember that general rules of thumb do not take your circumstances into account. Specifically, here are some factors you should consider when setting your own savings goals.

Family and marriage situations

Are you married? That is less likely both Spouses would be unemployed at the same time. And if you have children, you should definitely allow for six months her Spending towards your goal.

Employment-specific features

Do you have excellent job security or are you new to your role? Do you own your own business? Is your income constant or does it change from month to month?

For example, if you have been a public school teacher in the same district for 20 years, you are far less likely to experience prolonged unemployment than someone who has just started freelance consulting work.

Other assets

The main goal of savings is to avoid borrowing money or dipping into your retirement account when something unexpected happens. However, if you have other assets such as: For example, if you have non-retirement investment accounts, a second home, investment property, or other assets that would be relatively easy to sell, you may not need quite as much emergency savings as someone who doesn’t.

This is not an exhaustive list of considerations, but the point is that general guidelines are just that – general. It’s important to use them as a starting point, but also adapt them to your own life.

The end result

The most important takeaway is that the answer here is not simple. There is no specific amount every 40-year-old should have in savings.

However, I’m a fan of the guidelines outlined here, which I would call the “tailored six-month rule.” However, if you are concerned about not having enough savings, it is best to contact a financial planner who can help you assess your situation and give you an individual recommendation.

When will something happen in Formula 1? illegal? If it is designed with the intention of circumventing a rule, if it is fitted to a car (whether or not it is used) or if it is ultimately used in a Grand Prix event in a way that that violates the rules?

It is certainly the last scenario: If there is something on the car that does not comply with the rules and is also being used in violation of the rules. That’s the turning point, when a device/idea/trick or whatever you want to call it goes from something that the rule makers will remind teams of that it can’t become something that requires punishment .

The potential for abuse does not prove the abuse itself. And with the hot topic of Red Bull having a device activated in the cockpit that can change the height of the leading edge of the floor – the “bib” or the “tea tray” – the likelihood is that It is used or not, crucial to understand whether this was an action to protect against paranoia or an actual crime.

McLaren’s Lando Norris said it well: “It’s one thing to have it on the car. It’s another thing to know how much you exploit and use it, which we have no idea about.”

If there is evidence that Red Bull is using its mechanism in parc ferme conditions – between qualifying and the race – then action would be expected to be taken.

The FIA ​​​​could have reacted more seriously to this. At the last race in Singapore, a rival team could have protested. The fact that this never happened would suggest that it is potential that Red Bull actually did this, which alarmed people. And it’s simply better to rule out this possibility entirely.

If the device is essentially used as a preparatory element to make it easier to make a setup change when building the vehicle and adjust it for certain types of tracks, then this shouldn’t be a problem. The point here is not to prove the main purpose. The question is whether it will be used under parc ferme conditions at all. And no one seems to be able to say that.

Given that the device exists in an open source environment visible to all competing teams, and that is how it became an issue in the first place, it would be absurd for Red Bull to have designed and deployed it in an illegal manner. It’s about hiding in plain sight, and then the evidence of your alleged crime must be revealed to your competitors! That’s probably why Max Verstappen was so completely baffled by this.

“It’s a simple tool and everyone can see it. Once the parts are removed it’s easy to adjust, but once the whole car is assembled you can’t touch it anymore,” he said.

“That doesn’t change for us. When I read it.” [the original story that didn’t name a team]I don’t think it has anything to do with our team. It’s just a simple customization tool.”

At first, the FIA’s approach seemed to be a strange interim solution. If the device existed and was used, it was obviously illegal. When it didn’t exist or wasn’t used, it seemed like a mountain out of a molehill. Maybe the FIA ​​simply did enough to make it seem like they were taking action without actually suspecting/knowing/being able to prove that it was a real problem.

But it seems quite simple. The FIA ​​has received no indication that such a system is being “used” during parc ferme changes. But in theory it could be used in a way that violates the regulations. Therefore, it is best to simply get rid of this prospect.

“As part of this, we have made procedural adjustments to ensure that the front number spacing cannot be easily changed,” the FIA ​​said.

“In some cases, the application of a seal may be required to further ensure compliance.”

This means taking measures to eliminate the mere possibility of illegal use of a device.

This seems like a good solution unless evidence of actual wrongdoing emerges – because suspicion alone counts for nothing and “potential illegality” isn’t actually a thing.

LAKE CHARLES, La. (KPLC) – Temperatures in SWLA will remain pleasant but will gradually warm through the weekend.

Mostly sunny skies with some mixed cloud cover are expected to end the week. High temperatures are expected to rise back to the mid to upper 70s in some places on Friday. However, moisture return will be very slow without the breeze turning further south. Of course, this means that there is virtually no chance of rain even with occasional cloudiness, so it’s perfect for all outdoor plans!

The dry conditions could last well into next week. That’s good for outdoor plans this weekend, which include Chuck Fest in downtown Lake Charles this Saturday.

The disadvantage of the dry weather remains the lack of rain, which is still missing in the 10-day forecast. Still be very careful when doing outdoor activities and it is still a good idea not to burn yourself. With still no rain in sight, much of SWLA has been upgraded to drought level 2/4 (severe) on the U.S. Drought Monitor. An extension or worsening of the moderate drought we are in is entirely possible in the next update next Thursday. Burn bans now include Calcasieu, Jeff Davis, Allen, Beauregard and Vernon parishes.

There are a few areas in the tropics where development is being observed, but nothing that is overly affecting SWLA or even the Gulf. The NHC sees the possibility of a short-lived tropical storm developing in the western Caribbean this weekend. Even if something does form, any storm would likely sink into Central America or Mexico. Another wave is likely to form near the Leeward Islands over the next few days, but higher elevation winds are expected to have little impact on the system next week. The rest of the basin is calm and no development is expected over the next week.

For a look at current conditions, our hourly forecast, radar and other forecast tools, visit the KPLC weather page: https://www.kplctv.com/weather/

Copyright 2024 KPLC. All rights reserved.

Living on the North Fork, with its quaint villages, diverse restaurants, historic farms, and close proximity to the water, can be an enticing prospect. Whether you’re looking for a home to put down roots or a second home for the family, there’s a wide variety of homes on the market.

Five North Fork open houses are scheduled for this weekend, with prices ranging from $650,000 to $1,799,000. The properties are listed in ascending price order.

$650,000River head

Saturday, Oct. 19, 2-4 p.m

Things to see: This newly renovated home features two bedrooms, a full attic and basement, and a large outdoor area in the rear.

See listing here.

$725,000Southold

Sunday, Oct. 20, 12-2 p.m

Things to see: This bungalow on a quarter acre lot has been recently renovated including exterior trim, trim, gutters and doors, bathrooms and air conditioning.

See listing here.

$899,999Jamesport

Saturday and Sunday, Oct. 19 and 20, 12-2 p.m

Things to see: This home features a screened porch, a wraparound deck upstairs from the master bedroom, a kitchen with high-end appliances, and a laundry room and pantry.

See listing here.

$924,999Mattituck

Saturday, Oct. 19, 12:30-2:30 p.m.; Sunday, Oct. 20, 12-2 p.m

See listing here: This lakefront home sits on a half-acre lot and features 4 bedrooms, 3 bathrooms and a lower level with a full bathroom and bedroom.

See listing here.

$1,799,000Cutchogue

Saturday, Oct. 19, 12-2 p.m

Things to see: Located on the 17th hole of the North Fork Country Club, this home features a new roof, custom fireplace and California cabinets throughout, a whole house attic and a full basement with 9 foot ceilings.

See listing here.

Welcome back. Monday is a Free Press “retreat,” by which I mean the entire team comes to the New York office for the day. Spoiler alert: Inviting Floridians is a mistake. Bari insists that we hire a magician to make a special dinner one night, to which I say, “No, and we should do a bar too.” Here I can do the card trick myself: Oh look, the card is away, how do you plan to achieve your Q4 numbers? No plan? Give me back your second slice of pizza.

→ Sinwar: I know you are here to express my thoughts and condolences for the ousted Hamas leader Yahya Sinwar. Of course, please read our latest issue by Matti Friedman. All I can say is that as a graduate of Columbia University and #GayForHamas, I see my progress flag halfway.

Here is one Washington Post An investigative reporter who explains that Israel got Sinwar actually shows how wrong Israel was: “It would be interesting if Sinwar was killed in this seemingly random encounter, with less than a handful of guards and not underground surrounded by hostages, as Israeli government sources regularly told the media.” “Yes, see, the IDF said they had difficulty killing Sinwar because he was underground and surrounded by hostages, but then they killed him when he came to the surface and not have hostages. An Israeli failure if ever there was one! Anyway, goodnight, ruthless terrorist who slaughtered innocents, the sweet prince of Harvard Yard.

→ Is this legal? Kamala Harris announced a new initiative this week to attract black male voters. Some context: Her poll numbers among black men are surprisingly weak. Only 73 percent of black men say they will support Harris, the lowest margin of support for a Democratic candidate in the last three cycles (Biden won 87 percent of the black men’s vote). Obama rebuked them last week, telling the “brothers” he spoke to that their support for Trump was likely based on his ability to “put women down” – something Obama apparently believes resonates with black men finds it, but it offends me. Obama added: “Part of this makes me think that you don’t like the idea of ​​having a woman as president and you’re coming up with other alternatives and other reasons for it.” So it’s mommy issues? To try to win over black men, Kamala posted a new policy on KamalaHarris.com:

Does this pay off for voters? And is it legal to offer government loans for just one race? I’m not a constitutional scholar (in my heart I feel like I am, but I’m trying to sound relatable), but even I know this feels illegal. Shortly after Kamala’s announcement, she backed down. Oops, the loans are actually open to everyone, not just black men. But she and her team always knew that.

It also included a cryptocurrency initiative in the proposal. I didn’t look at crypto as a black issue specifically. Actually, I’m thinking more of very short, pale men who rely too much on their microwave. But now I’m really curious.

Meanwhile, a pro-Kamala group called Creatives for Harris has released a new ad aimed at appealing to men who may be unsure about voting for Kamala Harris. The actors they hired to play the men look like men, yes, well done. One is super fat and one has a beard to indicate masculinity. But the script was so clearly written by women, probably with a touch of Sweetgreen, and it’s so bad it’s adorable. Here are real lines from the guys in the ad (or what the ladies at Creatives for Kamala imagine men talking about):

I’m a man. I’m a man. I’m a man. I’m a man, man. I’m man enough to enjoy a barrel-proof bourbon. Clean. I’m man enough to deadlift 500 and braid the shit out of my daughter’s hair. Do you think I’m afraid of rebuilding a carburetor? I eat carburetors for breakfast. I’m not afraid of bears: that’s what bear hugs are for. I’m not afraid of women. A woman wants to be president? Well, I hope she has the courage to look me straight in the eyes and accept my full support. Because I’m man enough to support women. Man enough to know what kind of donuts I like. I’m man enough to use violence on a flight. I am man enough to be emotional in front of my wife, in front of my children, in front of my horse.

Somehow the loud, wild talking and crying in front of the horse really makes me uncomfortable. This is not an ad for anyone who has ever met a straight man, let alone interacted with one. If it were, it would be communicated through grunting.

We promise that at our next meeting there will be no talk of crying in front of a horse Free live presswhich takes place this morning at 9:30 a.m. ET and is hosted by Michael Moynihan and with Mike Pesca, Francesca Block, Batya Ungar-Sargon, Jonathan Conricus, Rupa Subramanyaand others discussed the news of the week (I explained it was my job, but no one seemed to be listening). Tune in here!

→ Speaking of crypto and our presidential candidates: Donald J. Trump is offering another product this week, and it’s more fake than ever. Deeply wrong. It is a “token” from World Liberty Financial that you can purchase and put into your “wallet.” The slogan is: “Shape a new era of finance: Be DeFiant.” And: “The only DeFi platform inspired by Donald J. Trump.”

Eighteen days after the election that may seem implausible, but whatever. Here’s the Republican frontrunner standing with a video in front of his American flags, which are now just his weekly fraud flags.

The World Liberty Financial Token cannot be used as currency. You cannot sell or trade it. Purchasing a World Liberty Financial token simply gives you the ability to vote on World Liberty Financial matters. Even in the world of fraudulent cryptocurrencies, this is incredibly fraudulent. Because they are usually crypto tokens may be bought and sold. That’s kind of the whole point of them.

Not these:

All $WLFI is non-transferable and locked in a wallet or smart contract indefinitely. You should treat the purchase of Tokens like other non-refundable purchases of goods and services and accept the risk that your interest in the Token will decline once you have paid the purchase price and you will have no expectation of reselling the Token.

It’s like giving snake oil to imaginary friends. It’s like debating how many magic beans your fairy dust is worth. It’s fakery wrapped in craziness.

Here is our first family from World Liberty Financial:

Aside from the fact that Chase Herro has both the name and the charisma of a Sim, imagine if your father, the president, distrusted you so much that instead of making you ambassador to Greece or Italy, he made you the Become a Web3 ambassador.

I talked about this with the great Michael Moynihan, who said to me, “Isn’t it strange that we have a potential president who sells things like he’s on QVC?” As always, Moynihan is wrong. Because QVC has standards. QVC sells what may be a crappy lamp, but it’s still a lamp. It turns on. The lumpy sweater is still a sweater. Remember when Trump announced trading cards that weren’t cards at all but digital images? You could “buy” a digital image of a map. See, QVC has standards, it has a Beanie Baby with historical origins and a heel that converts into a flat shoe. A cryptocurrency that isn’t even a cryptocurrency? QVC would never do it.

NHL TV schedule for October 18: TV channel, start times and live streaming options

Published on Friday, October 18, 2024, 4:26 am

3. WHAT DOES BO KNOW?

4. Don’t beat yourself

5. Feed the beast

On Sept. 27, New Hampshire Liquor Commission officers arrested a member of the Class of 2027 at Han Fusion — a Chinese, Japanese and Thai fusion restaurant in downtown Hanover — after he presented them with a fake ID.

Two Liquor Commission officers entered the restaurant around 9:30 p.m. and began checking the IDs of restaurant patrons whose ages appeared “questionable,” according to Tom Liang, owner of Han Fusion. Officers handcuffed a student – who was in a group of “seven or eight people” being served alcohol – and took him out of the restaurant, Liang said. Officials later told Liang that the student had presented them with a fake ID, he said.

“I don’t believe [the officers saw] He actually drank alcohol because they asked me if there was a camera that could… show the time period [the group was there]Liang said.

According to Liang, the waiter in charge of the group – who was recently hired – did not check the group’s IDs before serving the table alcohol. Liang said he told officers that the waiter – who was instructed to check his identification before serving alcohol – was “undertrained.”

“It was actually his third day,” Liang said. “He actually has to be careful [to] not just check [IDs, but also] 100 million other things we threw at him.”

The server declined to comment.

Liang said Han Fusion’s liquor license has not been revoked, but he expects to be fined for the incident. He added that prior to this incident, Liquor Commission officers had never entered one of his restaurants and checked IDs in his “nearly 30 years” in the restaurant business.

According to New Hampshire’s alcoholic beverage laws, a person who possesses a fake ID can be found guilty of a misdemeanor.

Hanover police were not involved in the arrest, Lt. Michael Schibuola wrote in an email statement to The Dartmouth. However, the department “occasionally contacts the Liquor Commission when issues arise,” including when the department “receives information that a business is not properly verifying IDs for the sale of alcohol,” Schibuola wrote.

Students have had inconsistent carding experiences at Han Fusion. A member of the Class of 2025, who requested anonymity to speak candidly about her experience, said Han Fusion had previously failed to verify her ID. The student, who was not present the night of the arrest, said her ID was not checked when her group ordered one Scorpion shell — an alcoholic drink served in a large ceramic sharing bowl — last winter, when she was underage. She added that the server checked the IDs of “some people” in her group, but not hers.

However, Han Fusion patron James Quirk ’25 — who was not present the night of the arrest — said his ID was checked “every time” he purchased alcoholic beverages at the restaurant. He added that he found servers “responsible” for checking the IDs of all members of a group who do not “clearly” look older than 21.

“I remember being with a friend who was trying to get away without it [his ID and] said he left his ID at home,” Quirk said. “[The server] said, “I’m sorry, but [I] I can’t help you.’”

The arrested member of the Class of 2027 declined to comment.

James Quirk ’25 is a former news writer for The Dartmouth. He was not involved in the writing or production of this article.

Israel’s decision to share and publish every detail about the death of Hamas leader Yahya Sinwar was viewed by some media experts as a strategic mistake, as it quickly led to the glorification of Sinwar’s final moments, which he spent fighting the Israel Defense Forces ( IDF).

The images and videos shared online contradicted the Israeli narrative that Sinwar was hiding in a tunnel and surrounded by Israeli hostages.

Leila Molana-Allen, PBS special correspondent, commented: “I’m not sure why IDF decided to publish this. For those who want to glorify Sinwar as a resistance hero, it shows him fighting to the death after losing an arm, on the front lines with his fighters, rather than hiding in a tunnel behind human shields like the IDF -story has been.”

A video purporting to show Sinwar’s final moments shows him throwing a stick at an IDF-operated drone while seriously injured. Compared to the deaths of Hezbollah leader Hassan Nasrallah and former Hamas leader Ismail Haniyeh, the before-and-after pictures of Sinwar’s death have drawn widespread “praise” on social media.

The graphic images of Hamas leader Sinwar were broadcast on Israeli television

The IDF released graphic photos of Sinwar’s body to the Israeli media. Israel-based Channel 12 broadcast the graphic images live without adhering to global journalistic standards.

Israel made the mistake of releasing footage of Yahya Sinwar’s final moments.

Wearing a keffiyyeh and seriously injured, he threw a stick at the drone filming him – a final act of defiance against the Zionist occupation.

His death made him a legend. pic.twitter.com/bHEpPSY9TD

— Dan Cohen (@dancohen3000) October 17, 2024

“If the news about Sinwar is true, then congratulations to him for the martyrdom that only the honorable achieve,” Algerian journalist Hafid Derradji, with 3.5 million followers, posted on X, referring to Sinwar’s death in battle against the IDF troops.

I am of the opinion that I have suffered in the last period of my life. It is not possible that you took the time.
At least 100% discount: “You took the time you need”
“It’s no longer possible for me to avoid you.”
فمرحبا بقضاء… pic.twitter.com/d3qmWljJuY

— hafid derradji حفيظ دراجي (@derradjihafid) October 17, 2024

Israel considers the killing of the mastermind of the October 7 attacks to be the biggest military victory against Hamas in Gaza.

Reacting to Sinwar’s killing, seen as a major blow to Hamas, Palestinians interviewed by the BBC in Khan Younis commented: “This war does not depend on Sinwar, Haniyeh, Mishar or any leader or official.”

“He is immortalized as Omar al-Mukhtar”

An anonymous pro-Palestinian social media user argued: “These images will immortalize Sinwar. In the years to come, Muslims will mention him in the same breath as Omar al Mukhtar.”

Omar al-Mukhtar was an Islamic scholar turned freedom fighter who fought fiercely against the Italian occupation in Libya.

Turkish journalist Ragip Soylu, who works for Middle East Eye, also commented on the “optics” of Sinwar’s death. Without referring to videos, he noted: “People are already worshiping Sinwar and calling him a martyr.”

He continued: “I have yet to see anyone from Gaza on this platform who does not celebrate Sinwar’s death because it happened during a battle in broad daylight and he died in military fatigue in battle.” Not in the tunnels. Optics.”