fb 777 casino Pune-based firm deploys AI for road survey in MaharashtraTrump appoints billionaire banker as UK ambassadorHayley Harrison, a former aide to the first lady , will serve as Melania Trump ’s chief of staff. In a social media post announcing the hire, Trump's office said Harrison has “maintained an integral role and exceptional leadership on the First Lady’s team over the past seven years.” “She has a strong understanding of White House operations, and as Chief of Staff, Mrs. Harrison will oversee and manage the East Wing’s team while strategically liaising with other parts of government,” The statement read. Hayley Harrison has been appointed as First Lady Melania Trump’s Chief of Staff. Mrs. Harrison has maintained an integral role and exceptional leadership on the First Lady’s team over the past seven years. She has a strong understanding of White House operations, and as... — Office of Melania Trump (@OfficeofMelania) This is Trump’s first hire in her upcoming office since President-elect Donald Trump’s win two weeks ago. Harrison was referred to as Trump Aide 1 in Donald Trump’s indictment for his alleged mishandling of classified documents case. According to court filings, Harrison texted another Trump aide about moving the classified documents out of the business center at Mar-a-Lago to make more room for staff to work, allegedly texting the staffer, "There is still a little room in the shower where his other stuff is." Melania’s former chief of staff, Stephanie Grisham , spoke at the Democratic National Convention this year and endorsed Vice President Kamala Harris for president. Grisham resigned from her role on the evening of Jan. 6, 2021, after a pro-Trump mob stormed the U.S. Capitol. She later revealed during her testimony to the Jan. 6 Committee that she resigned because of the conduct of Trump and his advisers on that day. CLICK HERE TO READ MORE FROM THE WASHINGTON EXAMINER Melania Trump has previously said she will not move back to the White House this time around, opting to split the majority of her time between New York City and Palm Beach, Florida. She also did not attend the meeting between President Joe Biden and her husband at the White House earlier this month. She has maintained a low profile since leaving the East Wing in 2021, having hardly been seen on the campaign trail during Trump’s third presidential run.

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A rested flock was set to return to the ice after the holiday break as the Ducks geared up to dive headlong into a back-to-back set at home that would see them opposed by the Philadelphia Flyers on Saturday and the Edmonton Oilers on Sunday. After last Sunday’s dramatic comeback against Utah HC capped a spurt of three wins in four games, a competitive effort in Vegas in their fourth game in six nights fell short against the Pacific Division-pacing Golden Knights on Monday. In a game where shots on goal, shot attempts and other possession metrics were roughly even, the Ducks’ 0-for-4 performance on the power play loomed large. That was especially true since it was part of a broader stretch that has seen them go 1-for-19 while also allowing their only two five-on-four goals this season, including one against Vegas. They’ve been outscored narrowly overall, 16-14, in the five games they’ve played during that span. “We’ve got to get the power play going. That has been sputtering along,” Coach Greg Cronin told reporters. “When you do get power-play goals, it actually generates some offensive confidence, five-on-five. There’s a lot of frustration on the bench when they don’t score, particularly when we’re not getting a lot of chances and the other team’s getting shorthanded goals and shorthanded chances.” The Ducks were also shorthanded on Sunday in a different fashion, as they lost forward Brock McGinn (lower-body) and goalie John Gibson (upper-body) early in Vegas. Per Derek Lee of The Hockey News, neither player practiced on Saturday, though the Ducks said that Gibson’s absence was related to a separate illness as opposed to his upper-body injury. McGinn should be considered doubtful while Gibson and Lukáš Dostál might still split the two upcoming matches as planned initially. The first of those two games will pit the Ducks against Philadelphia, which has spent much of the year attempting to overcome a six-game winless slump that followed its season opener. Though they’ve cobbled together a pair of four-wins-in-five-games surges, the Flyers most recently lost four of five, surrendering 28 goals in those five outings. Travis Konecny, who signed an eight-year contract worth $70 million over the summer, leads the Flyers in scoring with 41 points. Matvei Michkov remained the frontrunner in the Calder Trophy race, though San Jose’s Macklin Celebrini has become an increasingly formidable challenger while Montreal’s Lane Hutson has emerged as a dark horse. Edmonton has won 11 of its past 13 contests to catapult itself in the standings. As recently as Dec. 5, the Oilers sat fifth in the Pacific, but they’ve since leapfrogged three teams –– the Kings, Calgary Flames and Vancouver Canucks –– to situate themselves directly behind Vegas. Related Articles Anaheim Ducks | Ducks can’t solve Golden Knights, who complete season sweep Anaheim Ducks | Mason McTavish delivers shootout win for Ducks in Utah Anaheim Ducks | Ducks and dads hit the road for games against Utah and Vegas Anaheim Ducks | Ducks start strong but fall to Avalanche Anaheim Ducks | Ducks and their surging trio welcome Colorado and its Big 3 That has also pushed their megastars, Leon Draisaitl and Connor McDavid, up the Art Ross Trophy leaderboard. Draisaitl’s 52 points tied him with Colorado’s Mikko Rantanen for second in the NHL entering Friday’s action while McDavid, who missed three games due to injury earlier this season, had 49 points to place him sixth in the league. When: 1 p.m. Saturday Where: Honda Center How to watch: Victory+, KCOP (Ch. 13) When: 1 p.m. Sunday Where: Honda Center How to watch: Victory+, KCOP (Ch. 13)Sask. hockey player reflects after near-fatal on-ice injury

On Monday’s broadcast of the Fox News Channel’s “The Story,” IRS whistleblower Gary Shapley stated that while he isn’t surprised that President Joe Biden pardoned his son, Hunter, the President “lied to the American people about what he was going to do, and, really, it calls into question other things that he may have been untruthful on right now.” And it’s “clear that Joe Biden was involved” in Hunter Biden’s dealings “and it was really selling the access and giving Hunter Biden the opportunity to get these lucrative contracts while providing really no service overseas.” Shapley said, “I wasn’t surprised at all. This was something that was expected. You can tell by the maneuvering of the defense counsel that this was on the horizon. And the thing that’s surprising is that the President of the United States lied to the American people about what he was going to do, and, really, it calls into question other things that he may have been untruthful on right now.” He added, “Well, it was clear the Department of Justice didn’t allow us to take any investigative steps that would have led to President Joe Biden. But even in the investigative steps we did take and some of the work done by the House in their impeachment inquiry, it was clear that Joe Biden was involved and it was really selling the access and giving Hunter Biden the opportunity to get these lucrative contracts while providing really no service overseas.” Follow Ian Hanchett on Twitter @IanHanchettSamsung Galaxy S25 Ultra Leaks: Samsung Galaxy Unpacked Event To Reportedly Unveil 4 Smartphones On January 22

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If you’re approaching retirement or have already stopped working, it may have occurred to you that saving for retirement was the easy part. Most likely, you had contributions to a 401(k) or other employer-provided retirement savings account automatically deducted from your paycheck. Target-date funds , which automatically adjust your investments as you approach retirement, have taken the guesswork (and hopefully the stress) out of investing those contributions. For investments outside of your workplace plan, many brokerage firms have harnessed digital tools to provide low-cost investment advice. (We've evaluated the online services that many major brokers provide .) But once you retire and need to start withdrawing from your nest egg, the task of managing your money becomes more difficult. Fewer than half of retirees say they’ve estimated how much they’ll need to withdraw from their savings and investments to cover their expenses, according to the Employee Benefit Research Institute’s 2024 Retirement Confidence Survey . Subscribe to Kiplinger’s Personal Finance Be a smarter, better informed investor. Sign up for Kiplinger’s Free E-Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail. Profit and prosper with the best of expert advice - straight to your e-mail. Even if you’ve nailed down the amount of income you’ll need each month to retire comfortably, you’ll have to wrestle with a host of decisions that can’t be put on autopilot, such as which accounts you should tap first , how to lower taxes on your withdrawals and when you should sign up for Social Security . Add to the mix concerns about long-term care, estate planning and charitable giving, and you may start to feel as though managing your savings is a full-time job. With the stakes so high, you’re probably going to want some advice. For many retirees, that means hiring a financial planner . A qualified certified financial planner can manage your portfolio and provide advice on a range of other subjects, from withdrawal rates to legacy planning. To earn the CFP designation, an individual must complete a course of study, pass a rigorous exam, have 6,000 hours of experience related to financial planning and commit to continuing education. In addition, CFPs are required to act as fiduciaries , which means they must put their clients’ interests above their own. Many CFPs provide excellent advice, but their guidance doesn’t come cheap. Compensation structures vary, but a common one is an assets under management (AUM) model , in which the planner bases his or her fees on a percentage of your portfolio. For example, if you have a $1 million portfolio and your planner charges a 1% fee, you would pay the planner $10,000 a year. The percentage typically decreases as your portfolio grows. On average, advisers charge 1.12% per year for a portfolio of $100,000, 1.02% for a portfolio of $1 million and 0.98% for a portfolio of $2 million, according to a 2023 survey by Advisory HQ , a marketing organization. Supporters of this model, a longtime standard for the advisory business, say it gives advisers a strong incentive to perform well, because as your portfolio grows, so does their compensation. Increasingly, though, brokerage and financial services firms such as Charles Schwab, Fidelity Investments, T. Rowe Price and Vanguard are offering financial advice to retirees and preretirees at a lower cost. Depending on the amount you have invested, you may be able to get advice on account-withdrawal rates, taxes, estate planning and more, often from a dedicated financial planner, for a fee of 0.5% or less of assets under management. The firm may limit advisory services to assets it manages — so it may not include your former employer’s 401(k), for example, or a taxable brokerage account you inherited that’s with another brokerage firm. If you’ve accumulated a significant amount of assets with a particular financial services firm, you’ve likely already received promotions for its financial-planning services. Enrolling in one of these programs could give you the confidence to spend money you’ve worked so hard to save. That’s not easy for many retirees: A 2018 survey by the Employee Benefit Research Institute found that retirees with at least $500,000 or more in savings had spent down less than 12% over 20 years. Here are some questions to ask before signing up. How much do I need to have invested to qualify for advisory services? The amount required to be eligible for guidance from a dedicated adviser varies. For example, Schwab Wealth Advisory provides a dedicated financial adviser and personalized wealth-management strategy to clients with $500,000 or more in assets. Through Fidelity Wealth Management Services , you can get a dedicated financial adviser and portfolio management if you have at least $500,000 in assets. T. Rowe Price , a relative newcomer to wealth-advisory services, will provide a dedicated adviser to clients with at least $250,000 in assets. For customers with a minimum of $100,000 in assets, Ally Invest Personal Advice offers a personalized financial plan from a dedicated adviser using portfolios of exchange-traded funds ( ETFs ); Ally will also provide withdrawal strategies for retirement accounts, but it doesn’t offer tax advice. Some firms have expanded services for wealthier clients — typically those with $2 million or more. For example, Vanguard’s Wealth Management program, available to clients with $5 million or more in Vanguard mutual funds and ETFs, provides investment-advisory services, wealth and estate planning, tax strategies, and other services through a dedicated CFP. Fidelity’s Private Wealth Management Services , available to clients with investable assets of at least $10 million — with $2 million or more managed through Fidelity — provides investment management, trust and estate planning, and other services. How much does the service cost? Fees range from 0.3% to more than 1% of assets, typically depending on the amount you have invested and the services provided. Vanguard’s Personal Advisor Select, which provides access to a financial adviser, a customized financial plan and ongoing investment advice to customers with at least $500,000 in Vanguard IRAs, brokerage accounts and trusts, charges 0.3% of assets, or $3,000 a year for an account with $1 million in assets. The fee for Schwab’s Wealth Advisory service starts at 0.8% of assets and decreases at higher asset levels. When considering costs, though, it’s also important to look at the expense ratios imposed by the underlying mutual funds and exchange-traded funds in the firm’s recommended portfolio. Although index funds and ETFs typically have low fees, your adviser may recommend actively traded funds — emerging-markets funds , for example, or small-company stock funds. While these funds may offer the potential for higher returns, they tend to come with higher expense ratios than ETFs and index funds. When inquiring about advisory services, ask whether you’ll qualify for any breaks on fees. T. Rowe Price, for example, caps fees so that its combined investment-advisory service fee and fund expense ratio doesn’t exceed 1%, says Lindsay Theodore , a thought leadership manager at T. Rowe Price. For example, if the client’s portfolio has a weighted average expense ratio that exceeds 0.5%, the advisory service fee of 0.5% will be reduced. And depending on the amount of assets invested in Vanguard funds, participants in Vanguard’s advisory program may be eligible for Admiral class shares, which have an average expense ratio of 0.14%, or institutional shares, which have an average expense ratio of 0.08%. What’s available for free? Before you agree to pay a percentage of your assets, look into what’s offered at no cost. For example, Fidelity’s advisers will help clients create a financial plan that covers everything from withdrawal rates to Social Security claiming strategies for no extra charge, and clients can contact a member of Fidelity’s advisory team at any time to update the plan, says Ryan Viktorin , a CFP and financial consultant for Fidelity. The service is particularly valuable for clients who are retired or approaching retirement, she says. “It can be a mental shift when you get to retirement, and it’s scary for a lot of people,” she says. There’s no investment minimum for this service, but clients with a large amount of assets may qualify for a dedicated financial adviser at no cost, Viktorin says. If you want an adviser to manage your portfolio, however, you’ll have to use one of Fidelity’s paid services. For clients with at least $250,000 in assets, T. Rowe Price provides a complimentary financial plan that includes a recommended portfolio of investments, analysis of Social Security benefits, proposed spending adjustments and a score showing the likelihood they won’t outlive their savings. Schwab clients with at least $1 million in assets are automatically enrolled in Schwab Private Client Services , which provides them with a dedicated consultant who will direct them to resources at Schwab in areas such as income, tax and estate planning. This service is primarily designed for self-directed investors; clients who want ongoing investment management will need to enroll in Schwab’s Wealth Advisory service and pay the fee. In addition, most financial services firms provide a range of tools you can use to estimate income and expenses, analyze your Social Security benefits, determine whether you should convert to a Roth IRA and more. Even if you eventually decide to hire a financial planner, these tools will help you get a handle on your finances and figure out where you need help. Will the advice be comprehensive enough? One of the upsides of paying for advice from your financial services firm is that the firm already knows a lot about you — and you know a lot about it. If you’re comfortable with the company’s customer service and investment offerings, paying for a dedicated financial adviser and other features could make sense. But if the advice is limited to assets you own within the firm, the adviser — or team of advisers — may not have a complete picture of your financial health. Many retirees have multiple retirement, taxable and savings accounts with different banks and brokerage firms. Your net worth may also include life insurance, a pension and home equity, all of which will contribute to your retirement security. While some advisory services “are great for DIY investors who want a little bit of help, it’s not holistic financial advice or planning,” says Pam Krueger , chief executive officer and founder of Wealthramp , which connects investors with vetted, fee-only advisers. Most CFPs will provide a free consultation, which should give you an opportunity to ask about their skills, specializations and fees before you commit to what could be a long-term relationship. You can search for a CFP in your area at the Financial Planning Association’s website . Look for a fee-only planner. These individuals are compensated for giving advice, and they don’t earn commissions by recommending specific products or services. They’re also required to act as fiduciaries, which means they must put your interests above their own. Be wary of any adviser who declines to discuss their fee structures upfront. If you’re paying a percentage of assets under management, you should expect to receive, along with investment advice, help with estate planning, insurance and other aspects of your financial life. If you’re not comfortable paying a percentage of your assets, it’s easier than ever to find CFPs who use different — and possibly less expensive — compensation methods. Some Wealthramp advisers charge by the hour or work on retainer, Krueger says. Planners in the Garrett Planning Network are fee-only CFPs who charge by the hour, typically at hourly rates ranging from $100 to $300. Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here . Related content Get the Invest for Retirement series New to Investing? How to Tell Your CFPs From Your CFAs How to Change Financial Advisers How to Pick the Best Robo Advisor For YouNew Delhi: The Telecom Regulatory Authority of India (Trai) imposed another set of financial penalties on telcos last week for their failure to curb spam, officials aware of the details told ET. "The penalties have been imposed on all the four major mobile operators-Reliance Jio, Bharti Airtel , Vodafone Idea (Vi) and BSNL-as well as some smaller firms, as part of the TCCCPR rules," an official said on condition of anonymity. The regulator had earlier imposed penalties on telcos too, but it had not realised any sum as operators contend they should not be held accountable for something which they don't control or perpetuate. In the latest round, around ₹12 crore of penalties have been imposed on telcos and if earlier penalties are considered, about ₹141 crore has to be paid by telcos as fine to the regulator for their failure to curb spam. Queries sent to Bharti Airtel , Reliance Jio , Vodafone Idea and BSNL remained unanswered at the time of going to press. 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Financial penalties have been imposed on telcos as per provisions of the Telecom Commercial Communication Customer Preference Regulations (TCCCPR). The regulator is also undertaking the process to further strengthen the TCCCPR in a bid to curb the menace of unsolicited commercial communications (UCC) or spam calls . During a recent open house discussion on the matter, the telcos demanded that over-the-top (OTT) platforms such as WhatsApp as well as business entities such as banks, financial institutions and telemarketers also be held accountable for spam communications. The telcos had stressed that since a large amount of commercial traffic is being carried by the OTTs, if these platforms are kept outside the purview of regulations, spam and scam can't be stopped as the IT Act does not include issues around combating these problems. The telcos have argued that even though content is generated by businesses and pushed by telemarketers while they (operators) merely act as intermediaries, all the financial penalties concerning spam are levied on them. The telcos highlight that they have made significant strides and investments in reducing spam complaints to minimal levels and hence should not be unfairly penalised for actions of a few business entities and telemarketers who continue to evade the regulatory framework. Nominations for ET MSME Awards are now open. The last day to apply is December 15, 2024. Click here to submit your entry for any one or more of the 22 categories and stand a chance to win a prestigious award. (You can now subscribe to our Economic Times WhatsApp channel )