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Oil futures traded at their highest levels since the summer of 2024 on Friday as the war against Iran entered a seventh day with no sign of it ending anytime soon.
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As Trump Out-Putins Putin, Russia's Global Influence Erodes The New York TimesView Full Coverage on Google News
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Officer seriously wounded in Lebanon as strikes pound Hezbollah bastion near Beirut The Times of IsraelIran Live Updates: U.S. and Israeli Strikes, Bombs in Beirut and Trump War Powers Vote The New York TimesMass evacuation orders for southern Lebanon, Beirut may violate international law -- UN rights chief The Times of Israel
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EssilorLuxottica heir seeks multibillion deal to buy out siblings Financial TimesEssilorLuxottica heir seeks multibillion deal to buy out siblings - FT marketscreener.comEssilorLuxottica Heir Seeks Multibillion Deal to Buy Out Siblings, FT Says Money/ US NewsSon of EssilorLuxottica founder nears deal to buy siblings' Delfin stake, FT says Reuters
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Trump calls on Kurds to aid U.S. effort in Iran, offers support The Washington PostPro-American Kurdish Forces Are Preparing Possible Iran Incursion The New York TimesWhy Washington's Kurdish Gambit Could Backfire in Iran War on the RocksKurds backed by Mossad, CIA could lead next phase of war in Iran AxiosWho are the Kurds? CNN
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States Sue to Stop Trump From Reviving Steep Tariffs The New York TimesJohn Fetterman is already backing Donald Trump's pick to replace Kristi Noem as DHS secretary Inquirer.comTrump's new tariff plan barrels back to court following multistate lawsuit Fox NewsStates led by New York sue to block Trump's late
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Sri Lanka Is Caught in the Middle as Second Iranian Vessel Seeks Safe Haven The New York TimesWhy Torpedoed Iranian Warship Is a Problem for India The New York TimesUS Submarine Strike in the Indian Ocean Raises Risks for Asia BloombergIran's warship was torpedoed 2,000 miles from its shores. Was it a legitimate target? CNN
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Republican leaders call on Rep. Tony Gonzales to end his re-election campaign NBC NewsGOP leaders call on Rep. Tony Gonzales to abandon his reelection bid after admitting to affair with late staffer CNNTexas lawmaker admits 'lapse in judgement' in affair with aide BBCHouse Republicans Tell Gonzales to Quit Re-Election Campaign - The New York Times The New York Times
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It may be time to dive deeper into the emerging markets trade.
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Iowa man who killed 3 Utah women said 'it had to be done,' charges say KSL.comA Killing Spree in Utah Rattles a Region and Puzzles Officials The New York TimesTriple homicide suspect arrested in Colorado after women found dead on Utah hiking trail and in home CNNMan slept in stranger's shed and shot her as she watched TV before he killed 2 others on Utah trail, officials say NBC News
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Effective retirement planning reaches beyond investments and the numbers related to various accounts a person owns. First, it's about understanding the scope of one's future financial needs and goals. And from that framework, it's about putting all areas of the plan together so that they complement one another and function as an integrated whole.
SEE MORE Find Out in 5 Minutes If You Have Enough to Retire
Sometimes the financial world can seem segmented to clients, with professionals designated as experts in just one area of the plan — investments, insurance, taxes, estate planning, etc. But holistic financial planning includes and ties together every aspect pertinent to the retirement strategy. It analyzes and seeks to optimize each part of a person's plan by making those pieces work together congruently.
One way to think about holistic planning is that most people have several pieces that comprise their retirement puzzle, and they all need to fit together to form a complete picture. But I find when talking about holistic planning in seminars, it's eye-opening for people because they really haven't thought about it in that context. Here are the fundamental elements in most people's retirement situations:
Social SecurityTax planning
Medicare
Investments (401(k) plans, Roth IRAs, nonqualified accounts, etc.)
Income plan (mapping out a strategy for how to use your money)
Estate plan
All those pieces need to function together. You can't maximize your situation if you're looking at each of those aspects in a vacuum.
Putting the pieces together: Starting with Social Security
You have to view Social Security in the context of three of the bullet points mentioned above: investments, income plan and tax planning. You also have to figure out how
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IMAGINE building a small pile of wood and kindling in the smallest room in your house, and setting fire to it. You can keep the door open, to let out some smoke, but cannot switch on an extractor fan. You must tend the fire for an hour. Repeat the process three times a day.
This is how Fatou N'Dour lives. Her kitchen, separate from her home and built of mud bricks, measures roughly two metres by two. She usually cooks indoors because of the winds that whip across Lambayene, the village where she lives in central Senegal. Asked about ventilation, she points to a hole in one wall, which is about ten centimetres square. Other women in the village cook rice, couscous and meaty sauces in similar conditions, using wood from a nearby forest.
Wood and charcoal in Africa; coal in East Asia; wood and animal dung in South Asia—in much of the world, food is heated by burning primitive solid fuels. Each fire is tiny, but the International Energy Agency (IEA), a Paris-based research group,...Continue reading
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