Author: James Martin

The question was a fair one.“When do we hold people personally responsible to save for themselves? The math isn’t that hard.”The query came from a participant at a conference this week at North Carolina State University sponsored by the Institute for Emerging Issues. Experts were gathered to debate and discuss weathering financial storms and the challenges to saving.Many folks who are wired to save can’t understand those who don’t prioritize building an emergency fund or share their awe at the power of compound interest. Born savers don’t wait to take full advantage of an employer’s 401(k) contribution matching program —…

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Key eventsShow key events onlyPlease turn on JavaScript to use this feature58th over: Australia 263-5 (Sutherland 62, Gardner 4) Ayanda Hlubi from the other end, the 19-year-old fast bowler, who doesn’t start with control. Too much width to Sutherland, who is able to square drive a boundary, then play the next one down through the cordon on the bounce for another.57th over: Australia 255-5 (Sutherland 54, Gardner 4) Klaas to start the day, who bowled so well to start with yesterday in taking the first three wickets in no time. Hits a pretty good length this over too, except for…

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Federal banking regulators have disclosed they have terminated a 2016 consent order that was placed on Wells Fargo after its fake accounts scandal. The disclosure sent the bank’s stock up more than 7 percent in afternoon trading.The consent order had required Wells Fargo to revamp how it offers and sells products and services.In a new order, dated Jan. 30, the Office of the Comptroller of the Currency said it believes “the safety and soundness of [Wells Fargo] and its compliance with laws and regulations” allowed it to scrap the 2016 order.Wells Fargo chief executive Charles Scharf said the OCC decision…

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1Issues for Klopp and FrankKicking off at their outgoing manager’s least-favourite time slot, this time handy with Luton to face in midweek, Liverpool top the division at the cost of a considerable injury list. Trent Alexander-Arnold and Dominik Szoboszlai are the headline absences, both players likely to miss next week’s Carabao Cup final. A recent flu outbreak was similarly unhelpful to Jürgen Klopp, who comes up against a manager in Thomas Frank who is one of the outsiders to succeed him, even if Xabi Alonso’s coronation seems a fait accompli after Bayer Leverkusen’s feats last week against Bayern Munich. Frank,…

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The winds of change have blown through Super League in the winter with the arrival of IMG’s vision for a brighter future but it appears in this part of the world at least, things remain the same as they have for the last few years.Hull’s two rugby league clubs have gone on different trajectories in recent times. Rovers have been transformed from perennial relegation candidates to a side who reached last year’s Challenge Cup final and finished fourth, while FC have laboured at the wrong end of the table, albeit always clear of any real jeopardy when it came to…

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Key events Show key events only Please turn on JavaScript to use this feature GOAL! Galatasaray 2-1 Sparta Prague (Mertens, 61) Dries Mertens restores the lead! And it’s a second assist of the night for Mauro Icardi. 61 mins: Shakhtar and Marseille continue to cancel out each other. The goalless draw benefits Marseille, you’d say, though they have enough quality to be a little more adventurous than this … 59 mins: Feyenoord haven’t offered a great deal since the resumption, but they’ve not been seriously threatened either. Calvin Stengs looks a cut above for them. He’s…

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Way back in the depths of day one, when the temperature in Rajkot was cool, when Sarfaraz Khan was just a kid with the highest first-class average of any current player, England had India completely on the rack. It was a magical three quarters of an hour, the pale faces in the crowd, in their football shirts and sunhats, buying sweetmeats from the hawkers, watching in some amazement as Rohit Sharma won the toss for the second time in a row, chose to bat, and India folded to 33 for three. Mark Wood, who hadn’t taken a wicket with the…

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A poll from The Washington Post finds widespread agreement among Americans on what it means to be middle class. But just over a third of U.S. adults have the financial security to meet that definition, according to a Post analysis of data from the Federal Reserve. Americans also underestimate the income required for that lifestyle, suggesting that the popular image of middle-class security is more of an aspiration than a reality for most Americans. About 9 in 10 U.S. adults said that six individual indicators of financial security and stability were necessary parts of being middle class in the Post…

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Detroit Pistons center Isaiah Stewart was arrested for assault on Wednesday for punching Phoenix Suns center Drew Eubanks at the arena hours before the teams played.Phoenix police said Stewart was issued a citation and released. Stewart was already listed as out for the game because of a sprained left ankle. Eubanks had six points and eight rebounds in 18 minutes in the Suns’ 116-100 victory.Eubanks said before the game that the altercation happened as he was coming into the arena. He said an argument started and the players were chest to chest before Stewart threw the punch. Security intervened, and…

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