Required IRA withdrawals begin at age 73 or 75, depending on your birth year, and each withdrawal is based on the previous year's end balance.
Your RMD is recalculated annually, so the required amount can go up or down from one year to the next.
With a $1 million IRA in our example, the first RMD is about $40,650, then rises over time before falling.
As retirement approaches, a key planning question is how the money you've saved eventually becomes income. That can mean weighing Social Security, pensions, and cash reserves, and when to begin tapping your retirement accounts.
But eventually, at least some withdrawals are no longer optional. Required minimum distributions (RMDs) begin once you reach the applicable age, so it's useful to know how much you have to take out and what that would mean for your income, taxes, and spending.

#income

“I’m incredibly grateful to President Trump for this opportunity and his trust,” Beni Rae Harmony says
Donald Trump’s White House expanded its press team Friday, tapping Real America’s Voice correspondent Beni Rae Harmony to be **** istant press secretary.
The 24-year-old Harmony, who has served as Real America’s Voice’s White House correspondent since joining the conservative network in September 2025, confirmed her appointment on X Friday evening, after TMZ reported earlier that day that she had been scooped up to work for Trump.
“I’m excited to announce that I am joining the Trump Administration as **** t. White House Press Secretary,” she wrote. “It’s been an honor to report, travel and cover this historic administration as Senior White House Correspondent for Real America’s Voice. My goal has always been to ask the questions that matter to real Americans and make sure their voices are heard.”
SUBSCRIBE TODAY FOR

#Trump #correspondent #beni

The Southwest faces a barrage of intense rain this week as rounds of storms are tapping into unusually moisture-rich air being pulled north from Baja California, after flash flooding in New Mexico killed three people early Wednesday.
Officers responded at around 12:30 a.m. local time to a report of three people washed away by flooding near Newcomb, New Mexico, on the Navajo Nation. Police discovered two adults and one juvenile on scene, the Navajo Police Department said in a statement. All three were ****** ounced dead. The department declined to provide further details about the deaths when contacted by CNN, citing concern for the family’s privacy.
🌧️ Get your local forecast from the CNN Weather app
Rainfall over Newcomb began Tuesday afternoon around 4:30 p.m. and lingered intermittently until just after midnight. The area saw around 0.5 inches to 1 inch of rain in total, with most of it falling within an hour Tuesday evening.
Wednesday’s storms prompted a rare Level 3 of 4 risk of flooding rainfall for parts of Arizona and New Mexico, including Phoenix and Tucson. Phoenix had not faced a flood risk that high since 2022.

#flooding #around #wednesday #navajo

WASHINGTON, Sept 16 (Reuters) - U.S. retail sales rebounded more than expected in August as households stepped up purchases of motor vehicles and ‌stocked up for the new school year, reinforcing the economy's resilience ‌even as consumers grow more anxious about high inflation.
Retail sales jumped 1.2% last month after a revised 0.5% drop in July, which was the first decline in nine months, the Commerce Department's Census Bureau said on Wednesday. Economists polled by Reuters had forecast retail sales, which are mostly goods and are not adjusted for inflation, rebounding ‌0.8% after a previously reported ⁠0.6% drop in July. Estimates ranged from as low as a 0.2% gain to as high as a 1.1% increase.
Last ⁠month's increase also partially reflected higher gasoline prices, which lifted receipts at service stations.
Households have continued to spend despite stubbornly high inflation because of the oil price shock and supply chain strains from the U.S.-led war with Iran. Consumers have, however, ‌become more selective and are seeking lower-priced goods. Consumer sentiment deteriorated this month.
Spending is being supported by steady wage growth and recent stock market gains. Households are also saving less and tapping into their nest eggs. The strength in retail sales, together with elevated price pressures and a labor market that is ‌regaining its poise after wobbling through much of summer, further strengthens financial market expectations that the Federal Reserve will raise interest rates later on Wednesday.

#sales #wednesday

Our inaugural "Team of the Month" poll came down to the wire between a strip-sack touchdown and a toe-tapping deflected catch along the sidelines.
Westwood football's Levon "Trey" Simmons III claimed TC Palm's August "Play of the Month" honors, narrowly edging out Martin County's fumble return touchdown with 55.6 percent of the vote.
On the play, Westwood quarterback Elize Pierre rolled out to his left and attempted to complete a pass to junior running back Najja Martin. The ball bounced off Martin's hands and up into the air after a collision with a Palm Beach Gardens defender.
Simmons swooped into grab the reception and got two feet in bounds before stepping out of play. Westwood went on to defeat Palm Beach Gardens 21-7 on Aug. 24.
You can view the play, as well as the rest of August's "Play of the Month" nominees," in the following video:

#month #martin

Jean Silva is back in the mix at 145 pounds.
On Saturday, Silva headlined the fourth iteration of Noche UFC, taking on Jose Miguel Delgado in the main event in Glendale, Arizona. And while he was slow to start, Silva was quick to finish, dropping Delgado in the third round and then tapping him with a one-armed rear-naked choke. Afterward, Silva called for the winner of the upcoming Alexander Volkanovski vs. Movsar Evloev ***** le fight, but will he get it?
Following Noche UFC, MMA Fighting's Jed Meshew (and Alexander K. Lee for a brief moment) chopped it up about Silva's impressive performance and what that portends for his future. Jed then also discussed Brandon Moreno's win over Joseph Morales in the co-main event, the rise of Tommy McMillen as a new star, Alexa Grasso's return to form, and the rest of the action from Glendale.
Watch the Noche UFC post-fight show above, or an audio-only version of the show can also be streamed below and on Apple Podcasts, Spotify, or wherever else you get your podcasts.
View Link

#noche

Jean Silva may have started slow but his aggression finally came through as he dropped Jose Miguel Delgado and finished with a one-arm rear-naked choke in the Noche UFC main event.
At the start of the fight, Silva just put his fists out and circled the octagon but once he got moving, he was hurting Delgado with a variety of strikes. Finally in the third round, Silva put Delgado against the cage and unloaded a huge shot that dropped his opponent to the canvas.
JEAN SILVA GETS THE CHOKE!!

📺 paramountplus pic.twitter.com/2VAPtWrpb5
A moment later, Silva was on his back and ****** ing the submission with Delgado tapping out at 2:57 in the third round to end the fight. Silva has now won two fights in a row and it's no secret what he wants next.
"This is for you guys," Silva said to the Arizona crowd. "This is the show I bring in for you guys. No animosity from me. This is for you and you deserve this.

#finally #dropped #round #guys

Suki Waterhouse graced the red carpet alongside her fiancé, Robert Pattinson, for the screening of his new film "Primetime" during the 2026 Venice Film Festival on Sept. 5 in Venice. The duo was dressed formally for their red carpet moment.
The "Back in Love" singer's Lavalliere-Cuff mini dress hailed from Saint Laurent and was constructed out of a mossy green lace fabric. The delicate construction consisted of a high neck and long sleeves adorned with mauve silk bows at the wrists. Said bows were worn undone, tapping into Waterhouse's rock star aesthetic that is slightly disheveled but always flattering.
More from WWD
Amelia Dimoldenberg Goes Full 'Office Siren' in Miu Miu Spectacles at Miu Miu Event During Venice Film Festival 2026
Amanda Seyfried Dons Miu Miu from Head to Heel Attending Miu Miu Women's Tales at Venice Film Festival 2026

#venice #festival #primetime

Liverpool's season hinges on Alexander Isak remembering he is Alexander Isak.
During his time at Newcastle United, he struck 20+ goals in back-to-back seasons and regularly dominated the likes of Virgil van Dijk, Gabriel and William Saliba. He was, after Erling Haaland, the most feared striker in the English top-flight.
For the Reds, however, he's yet to show that version of himself. Injuries disrupted his debut season on Merseyside while he's failed to really impose himself on either of the two opening games this term. He did, however, find the back of the net against Nottingham Forest, tapping home a Cody Gakpo cross.
While the Liverpool No9 may have the highest Non-Penalty Expected Goals total in the Premier League this term, the data doesn't reveal all. A significant chunk of that was tied to a double chance against Newcastle, when the ball almost ricocheted off of his head twice in quick succession. It went down as two, high value chances, and skews the overall total.
He finished well against Forest but outside of that he's been anonymous. And this is a bit of a problem for Liverpool right now with Hugo Ekitike out until the New Year with an Achilles issue.

#forest #however

AI gate automation cut dwell times to under 30 seconds while EAIGLE posted 350% year-over-year growth. CEO Amir Hoss explains how the company uses existing security cameras and computer vision to automate gate, yard and dock workflows.On site at a live facility, Hoss breaks down how EAIGLE went from a customer problem to a fully automated, paperless gate and yard operation. He also explains why the next growth phase matters for carriers, shippers and warehouse operators trying to move trucks through the yard faster.#GateAutomation #YardManagement #SupplyChainAI
EAIGLE, an automation company focused on gate-to-dock logistics, has closed a growth funding round on the heels of 350% year-over-year revenue growth, CEO and founder Amir Hoss said in an interview with FreightWaves. The company's computer vision platform reduces gate dwell times that previously ranged from 7.5 to 18 minutes down to under 30 seconds — and sometimes under one minute — by tapping into camera infrastructure that facilities already own.
The technology matters to carriers, brokers, and shippers because gate congestion and yard opacity have long been among the most stubborn inefficiencies in distribution operations. EAIGLE's system automates the full check-in and check-out process, validates bills of lading, purchase orders, appointments, and USDOT numbers in real time, and feeds clean data directly into yard management, warehouse management, and transportation management systems via APIs.
At one active facility where Hoss spoke — a site processing roughly 1,100 trucks per day across two gates and four lanes — EAIGLE replaced 18 full-time staff across three shifts with a fully unmanned, paperless operation. "We didn't validate here, we just log," Hoss recalled a security guard telling him five or six years ago, a dynamic he said rendered downstream YMS data unreliable. "It becomes garbage in and garbage out," he said.
"The bar is really high because you own that responsibility of initiating the high accuracy and complete data capture and validation for the rest of the systems in the supply chain ecosystem of each one of the operational customers."

#eaigle #amir #automation

Travis Kelce is stepping into his New York prep era for Tommy Hilfiger's fall 2026 campaign and his four-legged co-star is stealing plenty of the spotlight, too.
Kelce appeared in the campaign with his and Taylor Swift's new dog, reportedly named Wendy, a Samoyed who was spotted landing in Palm Beach, Fla. just over a week after the newlyweds' Madison Square Garden wedding.
Now, the pup is making headlines again alongside Kelce as the pair step into New York's iconic Plaza Hotel for Hilfiger's latest campaign.
"Tommy brought us into his world at The Plaza for this, and it doesn't get more classic New York than that," Kelce said in a release. "There's a magic to this city, and I love that you never know who or what's around the corner. We had a blast tapping into that unique energy with a cast who truly embody the vibes that make this city so special."
For shoppers looking to get Kelce's fall-ready look, the new fall 2026 collection puts a modern spin on American prep, with cable-knit sweaters, rugby polos, wool coats and the brand's signature varsity jacket among the key pieces. Seasonal shades and archival red, white and blue details round out the collection, shop below:

#prep #city

Travis Kelce stars in Tommy Hilfiger's Fall 2026 campaign alongside his now famous white fluffy dog. In this Fall 2026 campaign, Kelce makes his brand ambassador debut for the company.
The Kansas City Chiefs' tight end appeared in the ad alongside Gigi Hadid, Frances Tiafoe, and Carmelo Anthony. But all eyes were on his adorable female Samoyed.
"Tommy brought us into his world at The Plaza for this, and it doesn't get more classic New York than that," Travis Kelce said in a statement about the campaign, per People.
"There's a magic to this city, and I love that you never know who or what's around the corner. We had a blast tapping into that unique energy with a cast who truly embody the vibes that make this city so special."

#city #chiefs

Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.
Tapping into your 401(k) early to deal with debt or emergency bills may seem like a savvy move, but two of the biggest names in retirement planning are sounding the alarm about doing so.
Fidelity, one of the largest 401(k) plan administrators in the country, and AARP, the nation's leading advocacy group for older Americans, are both warning workers that early withdrawals can wipe out a significant chunk of their savings overnight.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
JPMorgan sees gold hitting $5,000/oz by Q4 — and savvy investors are protecting their wealth with a tax-advantaged Gold IRA. Get your free guide from Priority Gold

#savvy #moneywise #tapping

Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.
Tapping into your 401(k) early to deal with debt or emergency bills may seem like a savvy move, but two of the biggest names in retirement planning are sounding the alarm about doing so.
Fidelity, one of the largest 401(k) plan administrators in the country, and AARP, the nation's leading advocacy group for older Americans, are both warning workers that early withdrawals can wipe out a significant chunk of their savings overnight.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
JPMorgan sees gold hitting $5,000/oz by Q4 — and savvy investors are protecting their wealth with a tax-advantaged Gold IRA. Get your free guide from Priority Gold

#Gold #fidelity #aarp

Lululemon has overhauled its leadership in Greater China, elevating its longtime China head and tapping an LVMH Moët Hennessy Louis Vuitton executive in a new role as it doubles down on growing in the market.
The Vancouver, Canada-based athleisure brand has promoted San Yan Ng, general manager of Lululemon's China business for the last eight years, to the role of regional president of China and APAC, effective immediately. Simultaneously, the company revealed the hiring of Jeffrey Hang, who has joined as senior vice president and general manager of APAC — a new role for the company and also effective immediately.
More from WWD
Charles Leclerc on Margiela Tabis, Upcoming Grandmaster Chess Match and His Growing Family
Sephora Taps Chinese Idol Brand Goodbai for Cowboy-themed Collaboration

#China

The U.S. Treasury is considering using its near-$950 billion General Account to help fund its recently announced bond buyback program, according to CNBC, citing two senior Treasury officials. The officials said the account is considered available for purchases of off-the-run securities but declined to specify how much, if any, would be used or when an announcement might come.
The TGA, which functions as the federal government's primary operating account at the Federal Reserve, stood at roughly $950 billion as of the officials' comments — a figure that dwarfs the $550 to $600 billion level that the Biden administration had aimed to maintain. Treasury Secretary Scott Bessent built the balance to its current level, and officials said it is funded with existing tax collections.
The prevailing expectation in markets was that the purchases would be paid for through new short-term bill sales, an approach Bessent labeled a "Treasury Twist" during a CNBC appearance last week. The senior officials did not rule out that approach, but made clear the TGA represents an additional potential funding source.
Tapping the TGA could counter doubts expressed by ******* ysts who have argued that the program lacks the scale to exert any real influence on long-term yields. Since the buyback announcement last week, bonds had retreated from an initial rally, pushing yields higher.
Officials indicated they do not view a partial TGA drawdown as creating any near-term cash management problem. Current projections put the next debt-ceiling bind sometime between next winter and early spring, which officials said provides a reasonable window to restore the balance before any constraint bites. Should the Treasury choose to hold the TGA near its current level after using some funds for buybacks, it would need to conduct additional debt sales to restore the account.

#account

Tired of bonds falling or tying your cash up in "high yield" savings accounts paying just 3.4%? The bank of Elon Musk's X is pitching an alternative — with a catch.
X Money, the financial section launched in July of Musk's "super-app" tied to the social media platform, is offering to pay 6% annual yields on some cash deposits. That's considerably higher than you'll find at most savings accounts and even certificates of deposit. X Money also includes FDIC insurance up to $250,000.
The difference is vast, especially for investors who hold large amounts of cash. A $100,000 deposit in X Money would pay roughly $6,000 in the first year. That's nearly $2,000 more than you'd earn in Year One in the highest-yielding high-yield bank in the U.S., says Bankrate.com.
Tapping his roots as cofounder of PayPal, Musk is working to turn his X into a super-app. Rather than simply being a way to access the X social media platform, he's working to make it into a go-to source for AI and banking, too.
X Bank isn't a bank, per se. But it has a partnership with a real bank: Cross River Bank in New Jersey. Interestingly, X Bank is paying even more on deposits than Cross River is. Cross River is paying just 3.3% on savings balances of $1 million or more.

#bank #money #paying #yield

Jennie performed at the Summer Sonic Festival, one of ***** an's premier annual music festivals, in Tokyo, where she exclusively wore custom Calvin Klein Collection.
Justin Choe & Esther Kim
Both looks were unmistakably Calvin Klein, but what made them particularly interesting was the way the house revisited its own history while tapping into two fashion conversations that continue to dominate celebrity dressing: archival references and upcycling.
For her first look, Jennie wore a custom Calvin Klein Collection outfit inspired by a Spring-Summer 1993 runway look worn by Kate Moss.
Kate's influence on fashion remains unmatched, so returning to one of her early Calvin Klein runway moments feels especially fitting for Jennie. The original look captures the stripped-back denim-and-underwear aesthetic that became synonymous with the brand in the '90s, and more than three decades later, Jennie is showing just how relevant it can still feel.

#jennie #custom

Most NFL head coaches spend August talking down workloads and hyping committee backfields. The training camp stories are about guys who put on 10 pounds of muscle or are in the best shape of their lives. The coachspeak is always there, and fantasy football managers can't help but roll their eyes with every headline.
However, one first-year NFL coach did the opposite this week. He went live on a national sports talk show and promised to run his best player into the ground, quite literally, and fantasy football managers should be thrilled.
Dolphins head coach Jeff Hafley appeared on the Rich Eisen Show and laid out a plan for De'Von Achane that sounds built for fantasy lineups. He said the running back got a warning that morning. "I just gave Achane a heads-up this morning and told him he better be in good shape. Because I told him there might be some games where I might have to pick him up and carry him back into the locker room because he's going to be so tired."
Then Hafley went further, adding that he doesn't want Achane asking for a breather by tapping on his helmet. "And I told him, I don't ever want to see one of these head taps all year. And he looked me right in the eye and said, 'You'll never get that head tap from me.' I said, 'Don't worry, buddy. After you touch the ball 40, 45 times, I might have to pick you up, and I'll carry you back in the locker room.'"
Hafley, who's definitely just having fun in the moment and not talking about a serious strategy, also praised the 24-year-old back as a leader and a smart player. "I love the guy. I mean, you want to talk about a guy with some juice and a guy with personality starting to come out. A guy who's starting to become a leader." He added, "He's one of the smarter players."

#show

SummaryView Transcript
Saia President and CEO, Fritz Holzgrefe, shares insights into the current LTL freight market, including customer sentiment and Saia's strategic network expansion. Discover how Saia's investment in new terminals and workforce is cutting transit times, offering unparalleled service, and driving growth in competitive markets across the U.S. Holzgrefe also discusses navigating inflationary costs and balancing wage increases while maintaining a focus on customer value. #LTL #FreightMarket #SupplyChain
Saia has opened 70 terminals since 2017 as part of a deliberate, multiyear organic expansion that CEO Fritz Holzreif says is still far from its full potential. Since 2023 alone, the carrier has added close to 40 new locations and replaced or relocated another 30 facilities — a pace of physical network transformation that Holzreif said no other LTL carrier has matched in the same period.
The buildout matters because it has unlocked transit lanes Saia could not previously offer. Customers can now ship freight from Trenton, N.J., to Texas markets in three days, Holzreif noted — a direct result of the denser footprint. "Customers are coming to us and say, 'Oh, fantastic, you can now get my freight from Trenton, New Jersey to Texas markets in 3 days,'" he said. "That's significant. We couldn't do that historically."
"We are early innings of tapping the full potential of this business," Holzreif said, adding that the roughly 40 facilities opened since 2023 have not yet reached the profitability or density levels the company believes they can achieve.

#saia #since #markets

Quillan Salkilld has officially arrived as a serious contender at lightweight following his victory over Mateusz Gamrot in the UFC Vegas 120 main event.
Undefeated thus far in his UFC career, Salkilld was supposed to face his toughest test to date on Saturday but outside of a leg lock attempt from Gamrot early in the opening round, the Australian had his way with the veteran top-10 fighter.
After battering Gamrot on the feet, Salkilld decided to show off his ground game after scoring a perfectly timed takedown and then eventually transitioning to take the back. That's where Salkilld locked up the rear-naked choke with Gamrot tapping out to end the fight at 4:25 in the opening round.
That extended Salkilld's overall win streak to 13 in a row including six straight wins in the UFC.
"That feels f*cking good," Salkilld said after the win. "I just proved I'm the real f*cking deal. That's just how I fight. I want to take it to you where you think you're safe. I want to use all the weapons I have available in the **** nal. I believe I can get it done with the first minute or the last minute."

#gamrot #round #take #fight

Quillan Salkilld leveled up last night (Sat., Aug. 8, 2026) at UFC Vegas 120 LIVE on Paramount+ from inside the revamped Meta Apex in Las Vegas, Nevada, as the rising contender put a dominant stop to lightweight veteran Mateusz Gamrot with a main event first-round submission (rear-naked choke).
This was a big spot for both fighters, but especially Salkilld as this was his first UFC headliner. Many thought the 26-year-old Australian had the skills to keep climbing the lightweight ranks, but once Salkilld was pitted up against Gamrot things quickly became real. It was up to Salkilld to prove he's got the chops to fight the best 155-pound fighters in the world.
Salkilled did exactly that as he clipped Gamrot early into the first round with a short left hook. That forced Gamrot to quickly go to his wrestling and try to drag Salkilld to the ground. To Gamrot's surprise, Salkilld showcased an impressive ground game as he reversed multiple positions and was able to get back to his feet.
Moments later, it was Salkilld who changed levels and scored a takedown on Gamrot. It was a shock to Gamrot since he's the one usually landing on top. Salkilld eventually work his way to Gamrot's back and locked in the rear-naked choke. Gamrot fought for a few seconds before tapping out and handing Salkilld his sixth-straight UFC win.
Check out the video highlights below:

#naked

Aug 6 (Reuters) - The world's largest technology companies are tapping debt markets and raising equity to bolster AI infrastructure, marking a shift for Silicon Valley firms that typically relied on cash to fund their investments.
Alphabet, Amazon, Microsoft and Meta signaled in April that spending on AI would not slow down. Tech giants' combined spending is now set to exceed $730 billion this year, ‌up from about $700 billion previously.
The AI boom has entered a "more dangerous phase," marked by exponentially rising investments in physical infrastructure and growing reliance on outside capital, according to an ****** ysis by Bridgewater ****** ociates ‌in February.
AMAZON
Amazon.com is looking to raise at least $25 billion from the U.S. bond market, Bloomberg News reported in July, citing people familiar with the matter.

#billion #Investments #valley

The Rizzler's link-up with John Cena has to be seen to be believed appeared first on ClutchPoints. Add ClutchPoints as a Preferred Source by clicking here.
Recently, retired professional wrestler and WWE legend John Cena linked up with TikTok sensation The Rizzler, and they took a must-see picture.
The two recently posed for a picture. The Rizzler was, of course, doing his signature "Rizz Face" while the 17-time world champion smiled with his arm around him.
"I can see him," The Rizzler's caption read, of course referencing the iconic "You Can't See Me" meme **** ociated with the former WWE Superstar.
Cena is best known for his time in WWE. He recently retired from in-ring competition in December 2025, losing to Gunther via submission, tapping out for the first time in years. Since his retirement, he has hosted WrestleMania 42.

#john #clutchpoints

In the age of online shopping, ghost-tapping and AI, consumers are more vulnerable to scams and fraud than ever.
A report by the Consumer Federation of America (CFA) found that Americans lost around $148 billion to online scams and crimes in 2025. This is up nearly 26% from 2024, landing at around $1,009 per household. The CFA also found that social media platforms, specifically Facebook and Instagram, are the platforms most commonly ***** ociated with online scams.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake. Here's what it is and 3 simple steps to fix it ASAP
Millionaires under 43 hold only 25% of their wealth in stocks. Here's where their money is actually going

#americans

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
When you refinance your mortgage, you replace your existing home loan with a new one for the same property. There are many reasons to refinance your home loan, from locking in a lower mortgage interest rate to tapping into your equity. Understanding the process can help you prepare and save money along the way.
First things first: Ensure you're financially prepared to refinance.
Check your credit score and see if there are ways to improve it before refinancing. Your credit score plays a big role in your ability to get approved and will influence your interest rate.
You should also calculate your debt-to-income ratio (DTI) and consider paying down some debts, because a lower DTI can help you more easily qualify for your loan.

#loan #first #lower #interest

Texas A&M's No. 1-ranked 2027 recruiting class has yet to be challenged, outside of Notre Dame, and the Texas Longhorns are making significant strides over the past month, but after five-star cornerback John Meredith reclassified to the 2026 signing class, only the Fighting Irish have a real shot at challenging the Aggies for the top spot.
Unanimously ranked No. 1 in 247Sports, Rivals, and ESPN's recruiting rankings, coach Mike Elko, who is entering his third season at the helm, also leads the nation with six five-star commitments in ESPN's rankings after securing blue-chip wide receiver Eric McFarland III in late June.
On paper, Texas A&M's future offensive and defensive lines are all but secured with five-star tackle Mark Matthews leading the way as the program's top-ranked commit, paired with fellow five-star OL Kennedy Brown, who is considered the better overall offensive line prospect, according to ESPN. Coupled with four-star tackles DeMarrion Johnson and Kaeden Scott, OL coach Adam Cushing isn't lacking NFL-level talent in the trenches.
As ESPN's Craig Haubert notes, Mike Elko's defensive background and continued role as the team's defensive play-caller have helped secure commitments from five-star Edge Zyron Forstall and four-star pass rusher Kaden McCarty just a year after former Bowling Green Edge Cashius Howell earned unanimous All-American status with an SEC-leading 11.5 sacks.
"Mike Elko is tapping into his defensive roots with the Aggies' 2027 class. Looking to reload a unit that was among the best at getting to the quarterback in 2025, five-star edge Zyron Forstall, out of IMG Academy, is not a hulking physical presence, but he has an explosive first step and plays with excellent pad level and strength at the point of attack."

#defensive

Five months of mostly closed Strait of Hormuz have not sent oil prices spiking to $150 or $200 per barrel, as many ******* ysts had warned in March.
Even as more than 10% of global crude oil supply suddenly disappeared from the market, oil didn't hit record high levels. Crude oil prices haven't even stayed permanently above $100 per barrel.
Three key drivers have kept oil prices from surging to never-before-seen highs. First, governments started tapping strategic reserves, including as part of the IEA-coordinated 400-million-barrel stocks release, to offset the 1 billion barrels of crude that never made it out of the Gulf in the first three months of the conflict. Next, Asia slashed consumption with fuel-saving measures and reduced refinery throughput.
Crash in China's Crude Imports Kept Prices Capped
Arguably, the biggest cushion the market has had was China's crude oil import behavior. The world's largest crude oil importer had amassed an estimated up to 1.4 billion barrels of crude in commercial and strategic stockpiles before the Iran war. The huge cushion allowed it to slash imports when the Strait of Hormuz closed, and prices spiked.

#first

Many savers learn the hard way that using a 401(k) to build a retirement nest egg can have a major drawback -- early withdrawal penalties. Generally speaking, withdrawals from a 401(k) are penalized 10% when taken before age 59 1/2.
But thanks to a lesser-known rule, you may be able to take a penalty-free 401(k) withdrawal at a slightly younger age. And that flexibility may come in handy if you end up leaving your job in your mid-50s.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
The rule of 55 allows 401(k) savers to take penalty-free withdrawals under certain circumstances. Specifically, you must leave your job the year you turn 55 or later, and you must only withdraw funds from the 401(k) plan sponsored by the employer you've separated from at 55 or later.
If you follow these rules, you may be able to avoid a penalty for tapping your own savings. But there are some nuances to be aware of.

#penalty

Wall Street is taking center stage in financing the AI buildout. On July 28, Meta Platforms, Inc. (NASDAQ: META) and ****** et ‌manager BlackRock, Inc. (NYSE: BLK) announced a venture to develop and operate a one gigawatt data center campus in El Paso, Texas. The project, costing about $14 billion in development, marks the emergence of a new financing playbook for the AI infrastructure boom.
The overwhelming cost of the AI infrastructure build out is prompting tech giants to go beyond self-funding, raising tens of billions of dollars in debt and tapping ****** et managers such as BlackRock for capital.
Last year, the tech giant spent $72.2 billion on capex, up roughly $30 billion from the year before. For 2026, it has projected capital expenditure between $125 billion and $145 ‌billion, up from its prior forecast of $115 billion to $135 billion. According to Chief Financial Officer Susan Li, the increase related to higher component pricing and additional data center costs tied to AI infrastructure.
This brings us to the question: Does the deal meaningfully reduce the cost of Meta's AI buildout?
As per Meta Platforms, Inc. (NASDAQ: META), BlackRock-managed funds will take an 80% ownership stake in the venture, while the tech giant will retain the remaining 20%. A part of BlackRock's investment will be financed through $12.5 billion in debt, while Meta will also ⁠receive a $1 billion distribution to align ownership.

#platforms #NASDAQ