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7 Jason Myers N.Y.-J vs. Buf.
8 Adam Vinatieri Ind. vs. Jac.
9 Aldrick Rosas N.Y.-G at S.F.
10 Chris Boswell Pit. vs. Car.
11 Stephen Gostkowski N.E. at Ten.
13 Matt Prater Det. at Chi.
14 Mike Badgley L.A.-C at Oak.
15 Jason Sanders Mia. at G.B.
16 Greg Zuerlein L.A.-R vs. Sea.
17 Jake Elliott Phi. vs. Dal.
18 Josh Lambo Jac. at Ind.
19 Chandler Catanzaro T.B. vs. Was.
20 Dustin Hopkins Was. at T.B.
21 Greg Joseph Cle. vs. Atl.
23 Phil Dawson Ari. at K.C.
24 Cody Parkey Chi. vs. Det.
25 Mason Crosby G.B. vs. Mia.
26 Randy Bullock Cin. vs. N.O.
27 Giorgio Tavecchio Atl. at Cle.
1 New England Patriots at Ten.
3 Kansas City Chiefs vs. Ari.
4 Los Angeles Chargers at Oak.
5 Washington Redskins at T.B.
6 Chicago Bears vs. Det.
7 New York Jets vs. Buf.
8 Green Bay Packers vs. Mia.
9 Indianapolis Colts vs. Jac.
10 New Orleans Saints at Cin.
11 Philadelphia Eagles vs. Dal.
12 Dallas Cowboys at Phi.
13 Pittsburgh Steelers vs. Car.
15 New York Giants at S.F.
16 Atlanta Falcons at Cle.
18 Tennessee Titans vs. N.E.
19 Cleveland Browns vs. Atl.
20 Carolina Panthers at Pit.
21 Jacksonville Jaguars at Ind.
22 Tampa Bay Buccaneers vs. Was.
23 Los Angeles Rams vs. Sea.
24 Miami Dolphins at G.B.
25 Detroit Lions at Chi.
26 Arizona Cardinals at K.C.
27 Cincinnati Bengals vs. N.O.
Can years and years of thinking about investing and personal finance be boiled down to a few essentials for everyone?
This is prompted by a change. For nearly 12 years, I have written this column three times a week. Starting today, it will appear only on Sundays. After 20 years at The Inquirer and 32 in newspapers, I left the paper Friday for a riskier life. I'll write the one column a week as a freelancer.
I am taking my pension, digging into a pile of freelance writing assignments, strapping on my carpenter's belt, brushing up my piloting skills, looking forward to my 12-year-old's baseball season and, I hope, launching a project to deliver basic financial education to employees in the workplace, face to face.
Why would a reasonably sensible 50-something trade a good-paying gig with health insurance for a life of uncertainty? Because I followed my own advice and set up my household finances to make this work.
First, success comes from smart budgeting, not super-smart investing.
I am not an investing whiz. Long before I started this column, I dabbled in stocks, and during one period I even traded options. The results were awful.
When I became a business writer about 15 years ago, I stopped buying individual stocks to avoid conflicts of interest. I turned to mutual funds.
I'm not a whiz at that, either. My returns just track the overall market.
The key to building a nice nest egg, I've found, is not getting a dazzling return. It is trimming expenses so you can invest as much as possible. For years, my wife and I have set aside about 30 percent of our pretax income, sometimes more.
To do that on newspaper pay - she is in the business, too - takes trade-offs. My pickup is 10 years old, and her car is 13. The house we bought 14 years ago was a fixer-upper, and we've done most of the work ourselves, and paid down the mortgage. We had just one child.
I don't feel deprived. Cars don't do much for me; I'm not too keen on fancy restaurants or nights on the town.
Despite all the saving, we've taken lots of nice vacations, including many sailing trips in the Caribbean. And I do have one major extravagance, a 42-year-old, four-seat airplane we fly to New England and the Carolinas. Keeping it going costs about what we'd spend if we bought new cars every three or four years.
Thrifty budgeting isn't about a life of want, it's about trimming the things that don't really matter - so you can have the things that do.
The other essential personal-finance truth is that investors should suppress the ego.
Americans celebrate winning, and most investors define that as a big return - beating the overall market, at least. That generally means lots of buying and selling, which can rack up annual fees and tax bills equal to 2 percent or 3 percent of the money invested.
That doesn't sound like much, but an inexperienced, passive investor can escape those costs - and match the market's returns - simply by holding low-fee index-style funds long-term.
Because of the extra costs, the active investor has to beat the market by 2 or 3 percentage points just to match the passive investor's results. If the market averages 10 percent a year, the active investor has to get 12 percent or 13 percent to break even - and perhaps 14 percent or 15 percent to justify the enormous ...
That equates to doing 40 percent to 50 percent better than average. It's like lifting your bowling score from 200 to 300 - and keeping it there. Forget it.
I'm not against striving for excellence. If my son wants to be a major-leaguer, I'll pitch him a million baseballs. But I'll also insist he get good grades.
In the same vein, the investor who wants to beat the market should try it with only a small slice of his holdings.
For me, big returns are not the goal. I want to send my son to college and then retire comfortably.
If I can do that with tight budgeting and investments that simply match the market, I feel I'm a winner.
The stage was rocking and the audience was humming along when the Cockeysville Middle School Drama Club gave a spirited performance of "Schoolhouse Rock Jr." on June 1.
Featuring such old favorites as "Conjunction Junction," "I'm Just a Bill" and "The Preamble," the hardworking students did a terrific job in organizing and producing the musical under the direction of Rebecca Holt, an English teacher at the school.
Mrs. Holt described the process as entirely student-led, from sets to choreography to staging and performing, with the Drama Club working hard since October to put on the show!
The lead roles were performed by Jacob Everhart, Pierce Elliott, Taylor Gonce, Grace Jecelin, Bella Lopez, Mollee Neblett, and Serendipity Chamberlain.
The choir consisted of Anna Stein, Emma Whatley, Sean Olsson, Lisandra Bonilla, Madison Parks and Kieran Abdul.
Behind the scenes were Chareese Perry, Emma Votta, Nicole Wanga, Elena Sheldon and Danielle Stratemeyer as stage and lighting directors, and Naomi Kilelu as music director. Choreography was developed by Amman Athar and Maya Parry. The sets were designed by Kimberly DeJesus, Natalie Taylor, Mya Pena, Ockeya Gilbert, Els...
Congratulations to Jiayang Shi and Sumin Woo, both recent graduates of Dulaney High School, who were just named as college-sponsored National Merit Scholars. Shi and Woo were two of just six Baltimore County Public School students and 3,000 students nationally to receive the scholarships.
These four-year scholarships are awarded by the colleges to National Merit Scholar finalists who will be attending the colleges. Shi will attend the University of Maryland to study Mechanical Engineering; Woo is headed to Northwestern University to pursue a journalism degree.
Calling all local musicians. The Hunt Valley Symphonic Band is forming and its organizers are looking for folks who have a passion for music and love to play. The adult community band will be under the direction of Matthew Benner, a Dulaney High School band director, and plans to have three to five free concerts each y...
She hopes that "the community will embrace this great organization, either as a musician or to attend future concerts, with the goal for this group to become a 'household name' in the northern Baltimore County region."
No auditions are required and the group is actively looking for new members, especially those who play trumpet, percussion and low brass, and who currently play or have high school or college experience. Rehearsals start June 27. For more information, please contact Ambrosiano at hvsbinfo@gmail.com.
Republican presidential front-runner Donald Trump Donald John TrumpRussia's election interference is a problem for the GOP Pence to pitch trade deal during trip to Michigan: report Iran oil minister: US made 'bad mistake' in ending sanctions waivers MORE holds an 8-point lead in Iowa, just four days before the first-in...
The billionaire businessman secured 31 percent support, followed by Sen. Ted Cruz Rafael (Ted) Edward CruzMJ Hegar announces Texas Senate bid Liberal survey: Sanders cruising, Buttigieg rising Overnight Defense: Trump ends sanctions waivers for buying Iranian oil | At least four Americans killed in Sri Lanka attacks | ...
Former Govs. Jeb Bush (Fla.) and Mike Huckabee (Ark.), along with Sen. Rand Paul (R-Ky.), tie for fifth, with 4 percent each.
The poll also reported a major drop in Cruz's favorability rating since the last PPP poll earlier this month.
The Jan. 12 survey found that 69 percent of Iowans viewed Cruz favorably, but Thursday’s survey shows that number at just 56 percent.
Since then, the Texas senator has been in an escalating feud with Trump. The billionaire businessman has warned Cruz could face legal challenges over his eligibility to serve as president due to his birth in Canada to an American mother.
Cruz has hit back at the front-runner, accusing Trump of cowardice for skipping Thursday evening’s Fox News debate.
The survey found that 31 percent of likely voters said they would still be willing to change their mind about whom to support in the Feb. 1 caucuses.
Public Policy Polling surveyed 780 likely Republican caucusgoers from Jan. 26–27 and has a margin of error of 3.5 percentage points.
Rather than establishing a set of rigorous habits, we may need to rethink our approach to life in general.
By dragging icons on a screen, supply-chain managers schedule factory work down to the second.
Insurers are using customers’ social-media posts to determine premiums, inviting the potential for our digital lives to become disingenuous performances.
A BOOKMAKER has made former South Shields MP David Miliband 12/1 to succeed his brother Ed as leader of the Labour Party.
According to Unibet, the 49-year-old, who narrowly lost to his brother in a leadership contest in 2010, could make a spectacular return.
David - nicknamed Brains - rose to prominence as the head of Tony Blair’s policy unit from 1997 to 2001, when he was elected MP for South Shields.
In April 2013 he resigned from Parliament in order to become president and chief executive officer of the International Rescue Committee in New York.
Now, with Labour reeling from its heaviest election defeat in years, the bookies are giving odds on a stunning return.
There are constant, ongoing efforts to improve children’s social care in Northumberland, as the county heads for its next Ofsted inspection.
The council’s children’s services department is expecting a focused visit from Ofsted this year ahead of its next full inspection. It was rated as requiring improvement back in 2016.
The February meeting of the family and children’s services committee discussed the local authority’s annual self-assessment of its social-care services for children.
Councillors heard that the county council’s ASYE (Assessed and Supported Year in Employment) Academy for social workers, which is the only one of its kind in the North East, was a real positive and now has a waiting list.
Other strengths included the political and chief executive’s backing for children’s services, the stabilisation of the workforce in some key areas, the creation of the MASH (Multi-Agency Safeguarding Hub) and the fact that the department has been subject to a number of external and internal reviews.
However, there are still issues around variability, with a need for more consistency, and managing demand, while the plans for children in care or who require support need to be improved.
The self-assessment process is supported by an improvement plan, which was presented to the committee at its meeting last Thursday (April 4).