Warren Buffett's 90/10 mix of an S&P 500 fund and Treasury bills gives a 65-year-old with $600,000 about $4,800 monthly alongside Social Security.
Senior deductions and Social Security's partial taxation shrink the federal bill to roughly $1,000 a year, under 2% of spending.
Required withdrawals at 73 will raise taxes, so Roth conversions in the years before then and protecting the bond cushion keep the plan working.
Building a portfolio and living off one are two completely different skills, and almost ****** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
Warren Buffett has told the world exactly how he wants his wife's money invested after he is gone. In his 2013 letter to Berkshire Hathaway shareholders he wrote that his advice to the trustee "could not be more simple": put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. No stock picking, no bond ladder, no annuity.

#year

Schwab, Fidelity, and Vanguard each have different default beneficiary clauses, so a blank IRA form can send your account to your kids or your estate.
An estate inheriting an IRA triggers a 5-year withdrawal rule instead of 10, costing heirs an extra $2,430 in federal tax per child before state taxes.
Naming primary and contingent beneficiaries on every account, including Roth IRAs, and re-filing after any rollover or divorce takes about ten minutes.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
Picture two widowed parents. Each leaves a $600,000 traditional IRA to two grown kids, and neither one ever filled out a beneficiary form. One family gets a decade to draw the money down on its own schedule. The other gets five years, a probate filing and a faster tax bill.

#form #kids #gets #schwab

A married couple over 65 who haven't claimed Social Security can pull about $47,500 from an IRA and owe the IRS nothing.
Collecting the average benefit shrinks the tax-free IRA withdrawal to about $34,000, because half of Social Security counts toward taxable income.
Past the zero-tax line, the Social Security tax torpedo makes each extra IRA dollar count nearly twice, producing an effective marginal rate of about 19%.
The biggest 401k decisions tend to get made once and never revisited: when to roll it over, what to hold inside it, and when to start taking money out. That is exactly what the report: 401k & IRA Tips and Answers was created to address, and it is free today. Read more here. (Sponsor)
A married couple where both spouses are over 65 can take a surprisingly large IRA withdrawal next year and owe the IRS nothing. How large depends mostly on one question: have they started Social Security yet?

#free #collecting #past

The maximum 2026 Social Security benefit is $5,181/month, requiring 35+ years earning at or above the $184,500 wage cap and claiming at 70.
Most workers can't hit the wage cap, but delaying Social Security to 70 and boosting salary through job-hopping raises your benefit meaningfully.
Combining a $2,500 monthly Social Security benefit with $32,000 in annual IRA or 401(k) withdrawals can match the maximum benefit's $62,000 yearly income.
Building a portfolio and living off one are two completely different skills, and almost ******* ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
The typical retiree who receives Social Security benefits gets about $2,088 per month. On an annual basis, that's about $25,000.

#income #maximum #annual

A single ticket in New Jersey won the $847 million Powerball Wednesday night, one of the 10 biggest jackpots in the lottery's history.
The ticket holder matched the winning numbers, 15, 34, 41, 53 and 56, as well as the red 21 Powerball, to take the prize.
The winner can either take a one-time payment of $363.1 million before taxes, or they can choose an annuity that is paid out over the next 29 years.
A total of 25 people won $50,000 in the draw, while four Power Play winners boosted their prizes to $100,000.
The win ends the three-month Powerball jackpot drought, after the last grand prize winner claimed $1.04 billion in Illinois, which was the eighth-largest win in the game's history.

#history #take #wednesday

King Charles and Queen Camilla have had a successful visit to Antigua and Barbuda, following on from His Majesty's solo visits to the Bahamas and Guyana. On Thursday they will be touching down on UK soil, just in time for Bonfire Night. However, it may not be a big celebration in the royal household, and that's because of this one reason…
The royal couple have two dogs, Bluebell, a rescue Jack Russell Terrier adopted by Camilla from the Battersea Dogs & Cats Home in 2012 and Moley, a part Jack Russell Terrier adopted from the same place in 2025.
Camilla posed in the grounds of her Wiltshire home with Moley (@ Chris Jackson/Getty Images)
It is well known that dogs can struggle with the loud bangs that come with fireworks, and are often unsettled during this time of year. Plus, the Jack Russell breed in particular, being a non-hunting breed, is said to not cope well with the sounds. So, Charles and Camilla may be spending their post-travel evening comforting their pooches if they aren't happy.
Advice on the Battersea Dogs Home website includes playing classical music to soothe and calm your pet, giving them a long-lasting chew to keep them distracted and also drawing the curtains to block out the light from fireworks.

#battersea #moley #time

A single Powerball ticket in New Jersey has won an estimated $847 million after matching all six numbers in Wednesday’s drawing, the company said Thursday.
The winning numbers were 15, 34, 41, 53, 56, and red Powerball 21, with a Power Play multiplier of 2x.
The winner has the option to take a one-time payment of $363.1 million or an annuity paid out over 29 years.
There were no winners for the $2 million and $1 million Match 5 prizes.
Wednesday’s jackpot was the ninth-largest prize in game history and the second-largest prize so far this year, according to game officials. Powerball updated the jackpot from $835 million, raising it from being the tenth-largest prize in game history.

#million #powerball #largest #game

Prince William and Prince Harry have each paid a tribute to Princess Diana, though not side by side. Both brothers backed their late mother's charity with personal messages to the winners of The Diana Award, while also extending her legacy through the causes they champion. Their separate letters, however, say plenty about the ongoing feud between the two.
According to People, the Prince of Wales, 44, and the Duke of Sussex, 42, wrote congratulatory letters to the newest winners of The Diana Award. The letters, however, went out separately. Each of the 198 recipients, drawn from 44 countries, received one from each prince.
According to the charity, the winners were recognised for creating "positive change in their communities and beyond." Dr. Tessy Ojo CBE, the charity's chief executive, also praised the group. "These young people are proof that, whatever their background or circumstances, the desire to make a difference is universal," she said.
However, reports from Page Six suggest that the common gesture does not appear to signal a thaw. The brothers last appeared together at a public engagement in July 2021, when they unveiled a statue of Diana at Kensington Palace on what would have been her 60th birthday. Since then, they have seemed distant at Queen Elizabeth II's funeral and at a 2024 memorial service for their uncle.
While they are now in the same country again, they are not believed to be in contact. Harry has spoken about the rift. "I want it to work out. Of course I do," he said, while also admitting that reconciling is hard. The escalation of tensions can be traced to 2020, when Harry and Meghan Markle stepped down as senior working royals.

#prince #according #people #side

Single retirees with provisional income above $34,000 face federal taxes on up to 85% of their Social Security benefits.
Provisional income combines your AGI, tax-exempt interest, and 50% of your annual Social Security benefit to determine your tax exposure.
Roth IRA withdrawals are excluded from AGI, potentially reducing provisional income to zero and shielding Social Security from federal taxes entirely.
Building a portfolio and living off one are two completely different skills, and almost ***** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
There are many older Americans today who live on Social Security alone. The average monthly Social Security retirement benefit is $2,088, which amounts to about $25,000 per year.

#security #federal

Over-concentrating savings in a 401(k) creates a liquidity trap. Every dollar locked away carries a 10% penalty plus taxes if withdrawn early.
A spouse earning $45,000 should choose a Roth IRA over a Traditional 401(k), since low tax brackets make tax deferral nearly worthless today.
A Roth IRA conversion ladder and IRS Section 72(t) payments both allow penalty-free early retirement account access for households that over-saved in tax-deferred accounts.
Saving $1 million for retirement is a genuine milestone worth celebrating. Anyone who reaches that number is officially a millionaire, and the habits that got them there, paying themselves first and resisting lifestyle creep, are habits worth keeping for the long run. Once the celebrations settle, smart savers start asking harder questions. The Redditor highlighted below is doing exactly that: wondering whether continuing to pile money into a 401(k) is still the right move once seven figures are on the scoreboard.
After crossing that threshold, a conversation with a financial planner becomes more than just a good idea. The questions go well beyond monthly budgets. Choosing the right securities, maintaining a sound **** et allocation, and optimizing for taxes are the levers that can turn a first million into a far larger fortune over time.

#once #habits

A $450,000 IRA withdrawal to buy a condo counts as taxable income, pushing a couple's MAGI to $550,000 and triggering $12,710 in extra Medicare premiums for 2028.
Social Security sets IRMAA using tax returns from two years prior, so a 2026 withdrawal raises 2028 premiums and Form SSA-44 offers no relief for voluntary withdrawals.
Spreading IRA withdrawals over four years at $112,500 annually keeps MAGI below the surcharge threshold, while splitting across just two years saves almost nothing.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
A married couple, both 66, find the condo they want to retire to. It costs $450,000. They want to own it outright, so they plan to withdraw $450,000 from his traditional IRA this year, before accounting for the taxes they'll owe. Two years from now, Social Security will send each of them a letter with a Medicare bill neither one planned for.

#years #security #withdrawal #income

SPYV and CWI pair U.S. value stocks with global markets exposure, returning roughly 16% and 14% respectively over the past year.
Apple sits at 7.3% of SPYV's portfolio, making it the fund's single largest position by a wide margin.
SPTI pays monthly Treasury income but finished nearly flat over five years, and bond funds can lose value when rates rise.
Building a portfolio and living off one are two completely different skills, and almost **** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
For years, someone else watched the markets, adjusted your accounts, and made sure withdrawals went out on time. Now your adviser has retired, and at 71, the account statements land on your kitchen table. That feels uncomfortable, but the job is manageable. Three broad funds from State Street cover the core jobs of a retirement portfolio. State Street SPDR Portfolio S&P 500 Value ETF (NYSEARCA:SPYV) handles U.S. stocks. State Street SPDR MSCI ACWI ex-US ETF (NYSEARCA:CWI) adds international stocks. State Street SPDR Portfolio Intermediate Term Treasury Index ETF (NYSEARCA:SPTI) provides bond stability.

#spyv #spti

Medicare's two-year lookback rule means a retiree's $120,000 annual 401(k) withdrawals at 63 and 64 set his Part B premiums at 65 and 66.
A $120,000 withdrawal pushes a single filer $11,000 over the IRMAA threshold, raising Part B premiums to $284.10 monthly and costing roughly $2,297 extra over two years.
Covering part of living expenses with cash savings or qualified Roth withdrawals instead of 401(k) funds can keep reported MAGI below the surcharge threshold entirely.
Americans who work with a financial advisor have saved more than twice as much for retirement, on average. Find out what one could change for you: SmartAsset's free quiz matches you with up to three vetted fiduciary advisors in about five minutes. (Sponsor)
A 62-year-old leaves his job with a large traditional 401(k) and a simple plan. He will draw $120,000 a year to live on, then start Social Security at 67. He sees ages 63 and 64 as silent bridge years. Medicare will use income from those years to calculate his first two premium bills, something he may not have anticipated.

#premiums #covering #roth

GLD and IAU let investors hold gold inside a regular brokerage IRA without a separate custodian, vault, or storage fees.
The IRS treats any IRA-owned coins taken home as a taxable distribution, plus a 10% penalty for owners under 59½.
Gold IRAs pile on custodian fees, storage fees, and dealer markups above spot price, which hit $3,929 an ounce in late 2026.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)
A common pitch in late-night gold ads goes like this: roll your IRA into gold and keep the coins in a safe at home. Part of that is real. A gold IRA, an individual retirement account that holds physical precious metal, is allowed under federal tax law. The home safe is where it gets tricky. If the account owner takes possession of the coins, the IRS treats them as a withdrawal. That means taxable income and possibly an early withdrawal penalty.

#late

A married couple over 65 with no other income can withdraw $47,500 from a 401(k) in 2026 and owe $0 in federal tax.
Three stacked deductions fully offset the $47,500 withdrawal: a $32,200 standard deduction, a $3,300 age add-on, and a new $12,000 senior deduction.
The zero-tax math breaks once Social Security begins, as benefits start becoming taxable when combined income exceeds $32,000 for joint filers.
The biggest 401k decisions tend to get made once and never revisited: when to roll it over, what to hold inside it, and when to start taking money out. That is exactly what the report: 401k & IRA Tips and Answers was created to address, and it is free today. Read more here. (Sponsor)
A married couple, both 66, have a large traditional 401(k) and a simple plan for 2026. They will withdraw $47,500 to cover living expenses and have no other income. That means no pension, no wages and no Social Security yet. Under 2026 rules, that withdrawal produces $0 in federal income tax. The tax code makes that possible.

#security #withdrawal

Your retirement savings could get a boost or face new tax consequences, depending on what happens after the November midterm elections.
Congress is weighing proposals that could double federal retirement savings incentives for eligible workers while forcing some wealthy Americans to withdraw more money from their accounts.
Read More: Worried about market swings? See why investors are moving to gold and silver IRAs
Find Out: FREE 2026 Investor Guide + Up to $25,000 in Silver with Qualifying Purchases
The stakes extend beyond millionaires. Changes to tax rules could also affect how much you save in your 401(k), when you convert an IRA to a Roth and how much of your retirement money you ultimately keep.

#Retirement #savings #money

Converting your 401(k) to a Roth portfolio will allow you to entirely avoid RMDs. This is a legitimate form of tax planning. However, often there's a difference between whether you can do something and whether you should; whether it's allowed, and whether it's in your long-term best interest.
For example, say that you're 62 years old. You have $1.6 million in a 401(k). If you convert this portfolio to a Roth IRA 10% at a time, you can avoid required minimum distributions on your $1.6 million. However, particularly for households approaching retirement, a Roth conversion may result in a net-loss. There's a chance that the tax costs of making those conversions will outweigh the tax benefits of avoiding minimum distributions.
Here are some things to consider. Also consider matching with a fiduciary financial advisor who can help you weigh your options.
Starting at age 73 (or 75 starting in 2023), the IRS requires you to begin taking regular, minimum withdrawals from every pre-tax retirement account. This includes 401(k) and traditional IRA portfolios. These withdrawals are known as RMDs.
The exact amount you must take is based on the portfolio's total value on January 1 and your age. You have until the end of each year to make the withdrawal, so you can take your minimum distribution in any amount at any time by or before December 31. If you don't take your minimum distribution, the IRS charges a tax penalty typically worth 25% of the amount not withdrawn.

#rmds #avoid

Households headed by someone ages 65 to 74 with a retirement account had a median balance of $257,000 in 2025.
A 4% withdrawal from that amount yields about $10,000 in the first year, before Social Security or a pension income.
Making savings last depends on spending, having other income, and taxes, not just the balance.
Retirement is often framed as the reward for a lifetime of work, but not everyone collects the same prize.
Some people leave the workforce with a healthy nest egg built over decades of workplace contributions, or a generous employer pension. Others have little saved and may only have Social Security to count on.

#balance #others

Jessie James Decker wasn't willing to ignore the bare foot resting on her airplane armrest. She reached for a small spray bottle and aimed it at the foot, which quickly withdrew. The singer covered her mouth while laughing.
The 38-year-old shared the recording on Instagram on October 28, PEOPLE reported. Before reaching for the bottle, she had covered her nose and mouth. "Someone's foot smells so bad on the plane," she wrote over the footage.
"Before you come at me … What would you have done?" she asked in the caption. Suggestions included tickling the foot or drawing on it with a marker, according to Page Six. Other commenters said they would have responded as she did.
Some viewers questioned whether the encounter involved a stranger at all. They suspected the person behind her was her husband, former NFL wide receiver Eric Decker, whom she married in 2013.
"Have you seen Eric's feet? Toeeeee UP," she replied to a commenter who suggested the foot belonged to him, according to Entertainment Weekly. She did not identify the person in the recording.

#foot #bottle #mouth #recording

College-town states like Ohio (93) and Tennessee (92) beat Florida's (103) cost-of-living index, cutting a retired couple's required savings by over $205,000.
Pennsylvania exempts 401(k) and IRA withdrawals from its 3.07% flat income tax for qualifying retirees, while Ohio taxes non-Social Security income above $26,050.
Ohio residents 60 and older can audit Ohio State courses tuition-free and access a major academic medical center, though game days and student rents add real trade-offs.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
Most people who talk about where to retire end up on the coast. Florida ranked first in net adjusted gross income gained through state-to-state moves in IRS migration data for 2022-2023, at $20.6 billion. The less talked-about option is a town built around a university.

#college #Social #security

A Michigan retiree couple needs roughly $927,000 invested at a 4% withdrawal rate, versus $1.07 million in Florida.
Florida homeowners pay $8,471 yearly for insurance versus $2,415 in Michigan, a $6,000 gap that requires $151,000 in extra savings.
Michigan exempts Social Security and offers married couples a $128,080 retirement deduction, potentially zeroing state tax on a $37,000 IRA withdrawal.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
Retiring to a lake town in Michigan or Wisconsin often raises questions about snow and winter conditions compared with a move to Florida. Winter is one factor in that comparison, but the rest of the picture gets mentioned less often: insurance, taxes, housing, and summers. This piece runs the numbers for a couple at full retirement age.

#often

The Minnesota Vikings' unbeaten start has drawn attention to quarterback Kyler Murray, whom an NFL ******* yst identified as the team's most notable offseason addition. Murray's arrival has given Minnesota a new option under center as the club continues its strong run through the 2026 season.
Murray joined the Vikings after the team moved on from its previous quarterback plans, bringing his experience and mobility to the offense. His ability to make plays with both his arm and legs has added another dimension to Minnesota's attack. The move also placed him in a system designed to use his athleticism while maintaining a balanced offensive approach.
Quarterback Kyler Murray (1) runs the ball against the Green Bay Packers during the first half at U.S. Bank Stadium. Mandatory Credit: Jeffrey Becker-Imagn Images
The quarterback's mobility has been a key part of his early impact. Murray can extend plays when protection breaks down and create opportunities outside the pocket, forcing defenses to account for his movement. His scrambling ability can also open passing lanes and provide an additional threat on designed runs, making it more difficult for opponents to anticipate the offense's next move.
Minnesota's early results have strengthened the attention surrounding Murray's role. The Vikings have maintained an unbeaten record, with their defense contributing to the team's success while the offense works to establish consistency. Murray's presence has given the unit flexibility, particularly when plays develop differently than planned or when the defense applies pressure.

#quarterback

ESPN identified DJ Moore as the Buffalo Bills' most significant offseason addition after Week 7, highlighting the wide receiver's expected impact on the team's passing game. Although Buffalo was on its bye, Moore's role remained central to the discussion of the club's offensive outlook.
Moore joined Buffalo after being acquired from the Chicago Bears in exchange for a 2026 second-round draft pick. The veteran receiver has been sidelined while recovering from a shoulder injury, but his anticipated return could add another dimension to an offense that has continued to produce without him. The team's bye week also provided additional time for his recovery. The Bills entered its bye at 5-1 and ranked second, one spot higher than the previous week in ESPN's poll.
Jan 10, 2026; Chicago, IL, USA; Chicago Bears wide receiver DJ Moore (2) reacts after making a first down against the Green Bay Packers during the first half of an NFC Wild Card Round game at Soldier Field. Mandatory Credit: Matt Marton-Imagn Images
His value is tied to his ability to stretch the field and create opportunities beyond the catch. Moore's routes can force opposing defenses to cover more ground, opening ******* e underneath and making it more difficult to crowd the line of scrimmage. That added room could benefit the running game as well as the passing attack.
Through the first portion of the season, Moore averaged 2.47 yards per route run while recording an average depth of target of 15.9 yards. Those figures led the league, underscoring his ability to generate downfield production. His presence gives the offense a receiver capable of drawing coverage away from other targets and creating explosive-play opportunities.

#week #receiver #bills

Son Heung-min will make his MLS postseason debut after helping the Los Angeles Football Club clinch a playoff bid.
Los Angeles FC clinched a spot in the MLS playoffs after a 2-2 draw with the LA Galaxy on Sunday, Oct. 25, reaching the postseason for the eighth time in the franchise's nine-year history.
"We still got two more games to play in the regular season," Heung-min said of LAFC's fight for playoff positioning. "We want to finish as high as possible so we can have a home game as many times as possible."
LAFC have 47 points and trail the San Jose Earthquakes and the Houston Dynamo by one point in the standings, and will face Minnesota United on Nov. 1 and the Seattle Sounders on Nov. 7.
Heung-min believes the black and gold missed an opportunity to tie San Jose in the standings after an offside call against teammate Denis Bouanga in the 29th minute of the first half resulted in his apparent goal being called back.

#jose #Football #galaxy

Leeds United Under-21s take on Stoke City Under-21s on Saturday afternoon in the fourth Premier League Cup group stage fixture.
After the opening three games, Scott Gardner's side sit second in the Group I standings with four points, knowing a top two finish could ensure progression to the Round of 16.
The Whites began with a goalless draw in the away tie against the Potters before narrowly losing out at Charlton Athletic back in September. United got up and running in the competition last time out, beating Stockport County 3-1.
In the victory over the Hatters, Alfie Cresswell fired the hosts ahead before Carrick Njinko continued his impressive start to the new campaign with a brace to put Leeds three goals to the good before the break.
Following on from that one, the team gained important senior experience as they faced Sky Bet League Two outfit Oldham Athletic in the EFL Trophy, falling to a tight defeat after impressing for large spells at Boundary Park.

#city #saturday #premier

AC Milan and Inter Milan have jointly unveiled the first detailed designs for Generali Stadium. This new venue will become their shared home and a major feature of Milan's future sporting landscape.
The clubs introduced the project on 29 October, signalling a significant step towards replacing San Siro.
Under an agreement with insurance and ****** et management group Generali, the proposed stadium is planned as part of a broader urban redevelopment initiative.
According to announcements from both clubs, Generali Stadium will seat about 71,500 spectators, with architecture intended to evoke key elements of Milan's identity and draw on the city's design traditions and landmarks such as the Duomo di Milano.
Foster + Partners and MANICA are leading the architectural vision, combining extensive sports-venue experience with local design influences.

#stadium #clubs #design #Inter

Clean sheets can make a big difference to Fantasy Premier League (FPL) points, especially for managers looking to get more from their defenders and goalkeepers.
Gameweek 8 saw ***** nal, Tottenham Hotspur, Liverpool and Newcastle United keep clean sheets, while Bournemouth recorded an impressive 3-0 win over Manchester United and Leeds United played out a goalless draw with Sunderland.
Tottenham Hotspur were particularly impressive in their 2-0 victory over Chelsea, while Bournemouth also continued their good run of results, showing how valuable defensive returns can be for FPL managers.
With Gameweek 9 approaching, the latest clean sheet odds offer a useful guide to the teams with the best defensive prospects, helping managers ***** s their options ahead of the deadline.
Tottenham Hotspur – 38% vs Crystal Palace (H)

#TOTTENHAM #managers #gameweek #defensive

Matchday 8 of the Bundesliga serves up it's showpiece event, from which Bulinews.com will be reporting live, as Bayern Munich welcome Borussia Dortmund to the Allianz Arena. Kick-off in the Topspiel game is scheduled for 18:30 CET.
Aside from injuries and Vincent Kompany's absence, things could hardly be much better for Bayern right now. They arrive into this fixture off the back of a 6-1 thrashing of 1.FC Magdeburg, with several key names rested.
One of which was their newly crowned Ballon d'Or winner, Harry Kane. Averaging a goal a game against BVB in six games to date, he will be hoping to add to that. The returning Kimmich and Pavlovic will likely help towards that.
The German record champions' recent record on home soil against the Westphalians also bodes well. Eight wins, one draw and a single loss to the Black and Yellows in their last 10 Bundesliga meetings at the Allianz Arena.
Team news:

#bayern #allianz #record

Arsenal have suffered a significant setback in their efforts to protect teenage sensation Max Dowman after an independent commission dismissed their appeal against his recent red card. The 16-year-old attacker was sent off during a frustrating Carabao Cup evening for the Gunners, and the club's attempt to overturn the decision has officially fallen flat.
The 16-year-old was given his marching orders in the 85th minute of ******* nal's Carabao Cup tie against Fleetwood Town. The late dismissal followed a heavy challenge from Harrison Neal, with the teenager reacting poorly and kicking out at his opponent.
Mikel Arteta's side ultimately exited the competition on penalties following a tense 1-1 draw. Hoping to spare their academy star a lengthy domestic suspension, the north London club formally challenged the referee's decision on grounds of wrongful dismissal and excessive punishment.
Those hopes were quickly dashed when the Football ******* ociation shut down ******* nal's attempts to clear the youngster's name. Taking to X on Thursday, an FA spokesperson released a statement confirming that the original on-field decision would be upheld by an independent panel.
"An independent Regulatory Commission has dismissed claims of both wrongful dismissal and excessive punishment for Max Dowman," the governing body announced.

#carabao #commission #dismissed

DETROIT — There was a lot going on Thursday in Detroit.
Let's start where it ended: The Chicago Blackhawks lost to the Red Wings 4-1 at Little Caesars Arena in their ugliest performance of the season.
The Hawks fell to 0-5 on the road and 4-9-0 overall and cap their two-game trip against the 9-4-1 Boston Bruins on Saturday in a Halloween matinee. It was their fifth straight game scoring two goals or fewer.
But the chaos of the day started hours earlier when Red Wings coach Todd McLellan announced that center Dylan Larkin would not play.
Larkin had told the Red Wings he no longer wanted to play for the organization and reiterated his trade demand. The team suspended him without pay Thursday, costing him $41,000 per day in salary and drawing ire from Red Wings fans who already were upset with the former captain.

#detroit #thursday #play