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Your Money: When investing, consider the how over the what

Published Thu, 26 Dec 2024 16:41:46 GMT

Bruce Helmer and Peg WebbPeople always seem more concerned with where they invest than with how to invest.They get hung up on what stock, what bond, or what mutual fund to own, and worry about whether they need to be in or out of the market. Instead, in the long run, strategies are far more important than specific tools or tactics. Here are five key areas where it can be beneficial to be more strategic rather than investment-focused, and why.Roth IRA and Roth conversionsAlthough more Americans own far more traditional individual retirement accounts (IRAs) than Roth IRAs, the tax benefits of a Roth IRA are likely to be a far greater influence on wealth accumulation than the investments you choose. That’s because, with a traditional IRA, you can lose almost a third of your withdrawals to federal taxes. With a Roth IRA, you make contributions after paying taxes but enjoy tax-free growth and tax-free qualified withdrawals. Plus, traditional IRAs have required minimum distributions (RMDs...

St. Louis CITY SC could clinch an MLS playoffs spot this weekend - Here's how

Published Thu, 26 Dec 2024 16:41:46 GMT

HOUSTON - Having reached the range of recent MLS playoff cuspers in August, you'd think St. Louis CITY SC would have clinched a playoff spot by now. That's not the case quite yet, but it could happen this weekend, possibly as soon as Saturday. Heading into Saturday, St. Louis leads the Western Conference with a 15-3-10 record and 48 points. While the inaugural squad is still pushing for their first victory of September, they have a comfortable cushion (seven points) for the top seed in the west. SCHEDULE: 2023 Great Forest Park Balloon Race events CITY SC needs one of at least six scenarios to unfold this weekend to clinch a playoff spot in their first season. Each case requires St. Louis to win Saturday's road game against the Houston Dynamo. According to MLSSoccer.com, CITY will clinch a playoff spot this weekend if CITY SC wins and at least one of the following happen...Two additional teams (LA Galaxy and Austin FC) both lose their next matchupsTwo additional teams (FC Da...

Keeler: Urban Meyer on CSU, Jay Norvell, Steve Addazio, and why Rams are a sleeping giant: “(CSU is) the best job in that conference.”

Published Thu, 26 Dec 2024 16:41:46 GMT

BOULDER — When Urban Meyer sees this Rocky Mountain Showdown up close, he sees a sleeping giant, snoring a Mile High, just waiting for the right little poke.He also sees the Buffs.“You know, both of my daughters were born in Fort Collins,” Meyer said to me as we walked off Fox Sports’ “Big Noon Kickoff” set at Farrand Field. We huddled just a few blocks away from the 2023 Showdown, a game he coached in twice as a Rams assistant in ’92 and ’95. (Both in Boulder. Both losses.)As much as CU needed a Deion Sanders, CSU sure could use a transformative, what-the-heck, look-at-me, America-can’t-stop-talking-about-you hire like …  I dunno, Urby. Now don’t get me wrong: Jay Norvell could sure as heck be that guy.But we also live in a world of instant gratification, for better or for worse. And Coach Prime had almost as many victories after two games with the Buffs going into Saturday night (two) as Norvell did after his first 13 gam...

Wrong-way driver on I-25 crashes, kills another driver overnight

Published Thu, 26 Dec 2024 16:41:46 GMT

A wrong-way driver on Interstate 25 killed another driver overnight in Denver.The crash happened in the northbound lanes of the interstate near 8th Avenue, the Denver Police Department said in a 3 a.m. post on X.UPDATE: 1/3 this incident involved two motorists. Preliminary information indicates this occurred in the NB lanes of I-25. One motorist was traveling against the flow of traffic (South) in the NB lanes and struck the motorist going NB on NB I-25.— Denver Police Dept. (@DenverPolice) September 16, 2023The wrong-way driver was traveling south in the north lanes when they hit a car driving north. The driver of the vehicle traveling north died at the scene, police said Saturday morning in a later X post, and their passenger was taken to a hospital with serious injuries.The driver going the wrong way was also taken to a hospital and is being held on an investigation of vehicular homicide, police said.Related ArticlesCrime and Public Safety | High-speed chase thro...

Pakistan showcases rich cultural heritage

Published Thu, 26 Dec 2024 16:41:46 GMT

The Embassy of Pakistan in Brussels showcased Pakistan's rich cultural heritage at the Annual Heritage Day event in Belgium today.The Ambassador of Pakistan to Belgium, Luxembourg and the European Union Amna Baloch, inaugurated the day-long activities at the Embassy premises.The Embassy displayed an array of cultural exhibits such as handicrafts, scenic photographs, traditional costumes, and top export products portraying the country's rich heritage and cultural diversity.Visitors expressed their keen interest in various distinctive aspects of Pakistani culture reflected in documentaries, books, and cultural displays.The traditional Pakistani and Kashmiri food stalls attracted many visitors who liked the unique taste of the Pakistani cuisine.The Heritage Days have been one of Brussels' highly anticipated annual cultural events.

Water main breaks cause multiple different road closures in Santa Monica 

Published Thu, 26 Dec 2024 16:41:46 GMT

Public works crews in Santa Monica are having to clean up multiple water main breaks in at least two different locations early Saturday morning.According to a social media post from the City of Santa Monica's official account, Ocean Avenue between Pacific Street and Strand Street is closed, as is Olympic Boulevard east of 11th Street.  Hawaii officials say death toll from Lahaina fire has dropped from 115 to 97: Here’s why Repairs are estimated to take several hours.Additional street closures should also be expected this afternoon, the city said. 

Review: Alt-rock heavyweights deliver one of year’s best doubleheaders

Published Thu, 26 Dec 2024 16:41:46 GMT

The Pixies had just opened their set on Friday night with a powerful version of “Gouge Away” when — I kid you not — a train hooks its horn, pulls right in behind the stage and then just sits there for a few minutes.Definitely not something you see at every concert, right? But it one of the many cool things that does indeed happen at the extraordinary Wine Country venue known as Oxbow RiverStage in Napa.It’s a great place to see a show — a roughly 4,800-capacity outdoor venue located in Oxbow Commons park, attractively nestled between downtown Napa and the winding Napa River. It’s right next to Oxbow Public Market, which means concert-goers have a ton of great dining options before heading into the show — including those famed English muffins, an Oprah Winfrey fave, at the Model Bakery.And, most dramatically, there’s the Napa Valley Wine Train that runs on elevated rails right behind the stage, adding a fun “special effect&#...

Gavin Newsom’s mental health plan is going to voters. Here’s what you need to know

Published Thu, 26 Dec 2024 16:41:46 GMT

By Kristen Hwang | CalMattersCalifornia voters next spring will get to decide on a ballot measure to create housing and treatment options for homeless individuals with serious mental illness. If it passes, the measure championed by Gov. Gavin Newsom would mark the first major overhaul of the state’s community mental health system in 20 years.The two-pronged proposition on the March primary election ballot includes a nearly $6.4 billion bond to build 10,000 psychiatric treatment units. It also asks voters to redefine how counties spend money collected from a special “millionaire’s tax” to allocate a share of it for housing.Newsom and supporters have promoted Proposition 1 as a way to help address the state’s deteriorating homelessness and addiction crises. They contend increased investment and an update to the state’s Mental Health Services Act is “long overdue”.The Legislature on Thursday overwhelmingly backed his proposal, with lopsided votes to place it on the 2024 ballot. Newsom ...

Roy Hodgson taken unwell and misses Crystal Palace game against Aston Villa

Published Thu, 26 Dec 2024 16:41:46 GMT

LONDON (AP) — Crystal Palace manager Roy Hodgson missed his team’s Premier League game against Aston Villa on Saturday because he was unwell, the club said. The 76-year-old Hodgson did not travel to the 3-1 loss at Villa Park, his assistant Paddy McCarthy taking charge in his absence. “Unfortunately Roy Hodgson was taken unwell earlier today and is not at Villa Park,” Palace said. “Roy sent his best wishes to the team ahead of the match. We send our very best wishes to Roy.”Hodgson has twice come out of retirement since leaving his role as Palace manager in 2021.He had a brief spell at Watford between January and May last year, and was then called up to help Palace avoid relegation from the Premier League last season.Hodgson managed to steer the team to safety before being handed a one-year contract in the off-season. ___AP soccer: https://apnews.com/hub/soccerSource

Mavericks re-sign Markieff Morris, who was the other piece in Kyrie Irving trade

Published Thu, 26 Dec 2024 16:41:46 GMT

DALLAS (AP) — Markieff Morris, the other piece of the trade that brought Kyrie Irving to Dallas from Brooklyn, is re-signing with the Mavericks.The return of Morris was announced Saturday, a little more than two months after Irving agreed to stay with Dallas on a $120 million, three-year contract. Irving and Morris were traded in February.The 34-year-old Morris played sparingly after the trade, averaging 4.5 points in almost nine minutes per game with Dallas. The forward has career averages of 10.6 points and 5.0 rebounds in 12 seasons with eight teams.Whether Morris sees more playing time will depend on the roles of trade acquisitions Grant Williams and Richaun Holmes. Another factor will be the development of rookie first-round picks Dereck Lively II and Olivier Maxence-Prosper.Morris was with the Los Angeles Lakers when they won the championship in the 2020 playoff “bubble” in Florida. ___AP NBA: https://apnews.com/hub/NBASource