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California Schools Dashboard Shows Steady Progress in Attendance, Challenges With GraduationNew York Jets interim coach Jeff Ulbrich said Aaron Rodgers “absolutely” will remain the team's starting quarterback and start Sunday against the Seattle Seahawks. Rodgers, who turns 41 next Monday, has been hampered at times during the Jets' 3-8 start by various injuries to his left leg, including a sore knee, sprained ankle and balky hamstring. Ulbrich said Monday the quarterback came back from the team's bye-week break ready to go. “All I can say, and you'd have to ask Aaron if he's fully healthy, but he's better off today than he's been as of late,” Ulbrich said. "So he's definitely feeling healthier than he has probably for the past month. A healthy Aaron Rodgers is the Aaron Rodgers we all love. “So, I'm excited about what that looks like.” NFL Network reported on Sunday that Rodgers, who missed all but four snaps last season with a torn left Achilles tendon, has declined having medical scans on his injured leg so he can continue to play. GM: The New York Jets are turning to one of their former general managers to help them find their next GM and head coach. The franchise announced Monday that The 33rd Team, a football media, analytics and consulting group founded by former Jets GM Mike Tannenbaum, will assist team owner Woody Johnson in the searches. Tannenbaum and Rick Spielman, former GM of the Miami Dolphins and Minnesota Vikings, will be The 33rd Team's primary representatives in helping find replacements for former coach Robert Saleh and GM Joe Douglas. SANTA CLARA, Calif. — San Francisco quarterback Brock Purdy took part in some light throwing on Monday after missing his first career game because of an injury and the 49ers are hoping he can return this week. Purdy hurt his throwing shoulder during a loss to Seattle on Nov. 17. Purdy underwent two MRIs last week that showed no structural damage. But Purdy he felt discomfort after making a few throws at practice on Thursday and was shut down for the game at Green Bay on Sunday that San Francisco lost 38-10. Coach Kyle Shanahan said Monday that Purdy made it through the session without pain and will rest on Tuesday and hopefully be able to return to practice on Wednesday as the Niners prepare to play at Buffalo this coming week. “We rested it throughout the weekend hoping that would help,” Shanahan said. “He threw lighter today to see if that rest helps and the rest did help him. So we’ll see again, going through the same things we did last week. We’re going to let him rest all the way up to Wednesday. We’ll see how it feels on Wednesday and then we’ll take the exact same course throughout the week. Hopefully it responds better this week than it did last week with the rest.” Brandon Allen went 17 for 29 for 199 yards with a touchdown, an interception and a lost fumble in his first start since the 2021 season. Allen would play once again if Purdy is unable to go on Sunday at Buffalo. FOXBOROUGH, Mass. — The NFL removed New England Patriots safety Jabrill Peppers from the commissioner exempt list on Monday, making him eligible to participate in practice and play in the team’s games. Peppers missed seven games since being placed on the list on Oct. 9 after he was arrested and charged with shoving his girlfriend’s head into a wall and choking her. The league said its review is ongoing and is not affected by the change in Peppers’ roster status. Braintree, Massachusetts, police said they were called to a home for an altercation between two people on Oct. 7, and a woman told them Peppers choked her. Police said they found at the home a clear plastic bag containing a white powder, which later tested positive for cocaine. Peppers, 29, pleaded not guilty in Quincy District Court to charges of assault and battery with a dangerous weapon and possession of a Class “B” substance believed to be cocaine. At a court appearance last week a trial date was set for Jan. 22. HENDERSON, Nev. — Las Vegas Raiders quarterback Gardner Minshew is out for the rest of the season with a broken collarbone, coach Antonio Pierce said Monday. Minshew was injured with 3:12 left in Sunday's 29-19 loss to the Denver Broncos. Pierce will have to decide whether Aidan O'Connell or Desmond Ridder will start Friday's game at Kansas City. The Raiders, who have lost seven consecutive games to fall to 2-9, could use a spark. Minshew's grip on the starting job was tenuous even before he was injured. He threw 10 interceptions to just nine touchdown passes this season and Minshew also lost four fumbles. JACKSONVILLE, Fla. — Jacksonville Jaguars quarterback Trevor Lawrence will practice Monday and “we'll see where he's at from there,” coach Doug Pederson said. Lawrence missed the past two games, losses to Minnesota and Detroit, with a sprained left shoulder. Lawrence had extra time to rest during Jacksonville's bye week. The Jaguars (2-9) host AFC South-leading Houston (7-5) on Sunday and need a victory to avoid being eliminated from playoff contention. Pederson said Lawrence is “feeling better" and they will know more about his playing status following practice Wednesday. Lawrence took a hit to his left shoulder while scrambling at Philadelphia on Nov. 3. Instead of sliding, he chose to go head-first and got hammered by linebacker Zack Baun. Lawrence has practiced some in a limited role since, but was inactive for both games. BRIEFLY LIONS: Detroit wide receiver Jameson Williams won't be charged with a crime after he was found with a gun in a car driven by his brother in October. Prosecutor Kym Worthy says Michigan law is “far from clear” when applied to the 1 a.m. traffic stop in Detroit. Get local news delivered to your inbox!MIAMI — Lionel Messi, fresh off accepting his MLS MVP trophy, kicked off the holiday season by traveling 6,870 miles to Azerbaijan this week and brought along teammates Luis Suarez, Sergio Busquets and Jordi Alba for a private charity event in the capital city of Baku. Azerbaijan is a landlocked country in Southwestern Asia, bordering the Caspian Sea, Iran, Russia, Georgia, and Turkey. Messi and his friends attended a gathering on Wednesday at the Crystal Hall, a famous music and sports venue. The event included a concert featuring French singer Willy William and Romanian group Morandi. The Argentine legend received a personalized rug with an image of himself lifting the World Cup trophy. “I have discovered the culture and the people of Azerbaijan,” Messi said. “Thank you for the warm greeting. Thank you very much for the support.” Messi, Suárez, Busquets and Alba also paid a visit and laid flowers at the tomb of former Azerbaijani leader Heydar Aliyev, on the eve of the 21st anniversary of his death Dec. 12, 2003. That part of the visit drew some criticism on social media from opponents of Aliyev’s regime. Inter Miami vs. Club America in Las Vegas? Speaking of travel, Inter Miami managing owner Jorge Mas said last week that the club is not planning another four-country, seven-game globetrotting preseason tour, as it did last year. The team played in El Salvador, Saudi Arabia, Hong Kong and Japan in early 2024 and wound up dealing with injuries to a few players and a controversy when Messi sustained an injury and was unable to play in Hong Kong. Mas said the team does plan a trip abroad in early 2025, but it will be a more compact itinerary, and that a high-profile game was being planned in the United States. Deporte Total USA reported that Inter Miami will play Mexican power Club America in Las Vegas and that the game is tentatively set for Jan. 18. An MLS source confirmed that Inter Miami and Club America are in talks about a game, but details had not been finalized. Also, the club announced it will play a friendly match against Orlando City in Tampa on Feb. 14. CJ Dos Santos traded to San Diego FC Inter Miami traded backup goalkeeper CJ dos Santos to expansion club San Diego FC in exchange for $100,000 in 2025 general allocation money (GAM). Dos Santos, 24, signed for Inter Miami ahead of the 2022 MLS season. He made three appearances for the first team — two in MLS and one in the Leagues Cup, in which he kept a clean sheet against Mexican side Club Puebla in 2024 — and 28 matches for Inter Miami II in MLS NEXT Pro. New ‘Fortitude’ jersey unveiled Inter Miami on Thursday released its new “Fortitude” away jersey for the 2025 season. It has black and granite-gray blocks with the trademark pink trim. The club explained in a press release that the name came from the Latin word “Fortis,” which means strength, and the Spanish word “Fortaleza,” which stands for resilience and determination. This shirt also serves as a tribute to Fort Lauderdale, “a city that has become a fortress for Inter Miami CF and the stage for some of the Club’s most significant milestones”. This coming season will be the team’s final season in Fort Lauderdale before moving to Miami Freedom Park in 2026. The new kits are on sale at the team store at Chase Stadium beginning Thursday (Dec. 12), while supplies last. It is also available online at MLSstore.com and adidas.com . Royal Caribbean, the club’s official jersey partner, will soon have the jersey available for purchase on its ships. ©2024 Miami Herald. Visit miamiherald.com . Distributed by Tribune Content Agency, LLC.Julie Appleby | KFF Health News Unauthorized switching of Affordable Care Act plans appears to have tapered off in recent weeks based on an almost one-third drop in casework associated with consumer complaints, say federal regulators . The Centers for Medicare & Medicaid Services, which oversees the ACA, credits steps taken to thwart enrollment and switching problems that triggered more than 274,000 complaints this year through August. Now, the annual ACA open enrollment period that began Nov. 1 poses a real-world test: Will the changes curb fraud by rogue agents or brokerages without unduly slowing the process of enrolling or reducing the total number of sign-ups for 2025 coverage? “They really have this tightrope to walk,” said Sabrina Corlette, co-director of the Center on Health Insurance Reforms at Georgetown University. “The more you tighten it up to prevent fraud, the more barriers there are that could inhibit enrollment among those who need the coverage.” CMS said in July that some types of policy changes — those in which the agent is not “affiliated” with the existing plan — will face more requirements, such as a three-way call with the consumer, broker, and a healthcare.gov call center representative. In August, the agency barred two of about a dozen private sector online-enrollment platforms from connecting with healthcare.gov over concerns related to improper switching. And CMS has suspended 850 agents suspected of being involved in unauthorized plan-switching from accessing the ACA marketplace. Still, the clampdown could add complexity to enrollment and slow the process. For example, a consumer might have to wait in a queue for a three-way call, or scramble to find a new agent because the one they previously worked with had been suspended. Given that phone lines with healthcare.gov staff already get busy — especially during mid-December — agents and policy analysts advise consumers not to dally this year. “Hit the ground running,” said Ronnell Nolan, president and CEO of Health Agents for America, a professional organization for brokers. Meanwhile, reports are emerging that some rogue entities are already figuring out workarounds that could undermine some of the anti-fraud protections CMS put in place, Nolan said. “Bottom line is: Fraud and abuse is still happening,” Nolan said. Brokers assist the majority of people actively enrolling in ACA plans and are paid a monthly commission by insurers for their efforts. Consumers can compare plans or enroll themselves online through federal or state marketplace websites. They can also seek help from people called assisters or navigators — certified helpers who are not paid commissions. Under a “find local help” button on the federal and state ACA websites , consumers can search for nearby brokers or navigators. CMS says it has “ramped up support operations” at its healthcare.gov marketplace call centers, which are open 24/7, in anticipation of increased demand for three-way calls, and it expects “minimal wait times,” said Jeff Wu, deputy director for policy of the CMS Center for Consumer Information and Insurance Oversight. Wu said those three-way calls are necessary only when an agent or a broker not already associated with a consumer’s enrollment wants to change that consumer’s enrollment or end that consumer’s coverage. It does not apply to people seeking coverage for the first time. Organizations paid by the government to offer navigator services have a dedicated phone line to the federal marketplace, and callers are not currently experiencing long waits, said Xonjenese Jacobs, director of Florida Covering Kids & Families, a program based at the University of South Florida that coordinates enrollment across the state through its Covering Florida navigator program. Navigators can assist with the three-way calls if a consumer’s situation requires it. “Because we have our quick line in, there’s no increased wait time,” Jacobs said. The problem of unauthorized switches has been around for a while but took off during last year’s open enrollment season. Brokers generally blamed much of the problem on the ease with which rogue agents can access ACA information in the federal marketplace, needing only a person’s name, date of birth, and state of residence. Though federal regulators have worked to tighten that access with the three-way call requirement, they stopped short of instituting what some agent groups say is needed: two-factor authentication, which could involve a code accessed by a consumer through a smartphone. Unauthorized switches can lead to a host of problems for consumers, from higher deductibles to landing in new networks that do not include their preferred physicians or hospitals. Some people have received tax bills when unauthorized policies came with premium credits for which they did not qualify. Unauthorized switches posed a political liability for the Biden administration, a blemish on two years of record ACA enrollment. The practice drew criticism from lawmakers on both sides of the aisle; Democrats demanded more oversight and punishment of rogue agents, while Republicans said fraud attempts were fueled by Biden administration moves that allowed for more generous premium subsidies and special enrollment periods. The fate of those enhanced subsidies, which are set to expire, will be decided by Congress next year as the Trump administration takes power. But the premiums and subsidies that come with 2025 plans that people are enrolling in now will remain in effect for the entire year. The actions taken this year to thwart the unauthorized enrollments apply to the federal marketplace, used by 31 states . The remaining states and the District of Columbia run their own websites, with many having in place additional layers of security. Related Articles Health | Do not wash your turkey and other Thanksgiving tips to keep your food safe Health | Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’ Health | California infant dead, 10 sick in listeria outbreak tied to Yu Shang Food products Health | More foods are making us sick: What to know as foodborne outbreaks hit Health | Whooping cough cases in California six times higher than last year, report shows For its part, CMS says its efforts are working, pointing to the 30% drop in complaint casework. The agency also noted a 90% drop in the number of times an agent’s name was replaced by another’s, which it says indicates that it is tougher for rival agents to steal clients to gain the monthly commissions that insurers pay. Still, the move to suspend 850 agents has drawn pushback from agent groups that initially brought the problem to federal regulators’ attention. They say some of those accused were suspended before getting a chance to respond to the allegations. “There will be a certain number of agents and brokers who are going to be suspended without due process,” said Nolan, with the health agents’ group. She said that it has called for increased protections against unauthorized switching and that two-factor authentication, like that used in some state marketplaces or in the financial sector, would be more effective than what’s been done. “We now have to jump through so many hoops that I’m not sure we’re going to survive,” she said of agents in general. “They are just throwing things against the wall to see what sticks when they could just do two-factor.” The agency did not respond to questions asking for details about how the 850 agents suspended since July were selected, the states where they were located, or how many had their suspensions reversed after supplying additional information.

CHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson’s first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Takeaways Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Key moment Johnston’s stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene’s pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. Key stat The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Up next Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. ___ AP NHL: https://apnews.com/hub/nhl

Minnesota 30, Chicago 27, OT

EDITORIAL The disturbing and dark content Kiwi kids are being exposed to online has again hit headlines. And again, it has signalled the need for both billion-dollar social media companies and parents to step up and take greater responsibility. It also raises questions regarding whether New Zealand should follow Australia’s strong lead and ban children under 16 from the platforms to protect them from any online harm. Documentarian Nadia Maxwell conducted an experiment to see how quickly things took a sinister turn by setting up a TikTok account for a “13-year-old girl”.Shawn and Brian Bell have always had coaching football in their blood. To keep his young son occupied when the family went to church every Sunday, Mark Bell would give his 4-year-old son Shawn a pencil and the church bulletin to draw on. When the service was over, young Shawn would ask his dad, who coached high school football for more than 40 years, if he could run the football plays he drew up on Friday nights. Shawn’s younger brother Brian did the same. When his dad and the China Spring coaching staff were working long hours in the field house, the youthful Brian would have his corner of the whiteboard to come up with his own plays. “They’ve been like that their whole lives,” Mark said. Mark is the most successful coach in China Spring High School football history, winning more than 170 games and making the playoffs in 18 of the 21 seasons he was the head coach of the Cougars. He has more than 200 wins in his high school coaching career, which included stops at Rosebud-Lott, Clifton and Lampasas. But his greatest joy was getting the opportunity to coach both Shawn and Brian, who played quarterback for China Spring. “That is the coolest of all cools,” Mark said. “They were so in tune with what I was doing, I could start the play or formation and they already knew what was going on.” It didn’t take long for the brothers to take the talent they had on the field and implement what they had been learning from their dad on the sideline. Shawn began his coaching career as an assistant at Stony Point in Round Rock. He soon became an assistant at China Spring under his dad — including one year where he was the offensive coordinator for Brian, the quarterback — before spending one year at Clifton, six at Magnolia West and one at Round Rock Cedar Ridge. “When I was younger, all I ever wanted to be was my dad,” Shawn said. “I saw the relationships he built and the impact he made, and I felt like that’s what I wanted to do. I kind of knew early in my life that that was the direction I was going to go after playing.” Brian got his coaching career started as an assistant with his brother at Magnolia West in 2014. He then followed his college coach, Willie Fritz, to Georgia Southern in 2015. China Spring head coach Brian Bell (right) hugs his father Mark following the Cougars’ state-title win over Gilmer. Mark preceded Brian as Cougars head coach. Brian returned to Texas and joined his dad’s staff at China Spring in 2016, where he was an assistant until 2018 when he had the challenging task of replacing Mark as head coach. Three years later, he won a state title with the Cougars. “Being around my dad and being around the coaches that coached for my dad at the time, I really just didn’t know any other professions even existed,” Brian said. Family first It was clear from an early stage that Shawn and Brian could both play football at the next level. That took Shawn to Baylor, where he threw for more than 5,500 yards and nearly 40 touchdowns, and is still in the Top 10 in the all-time Baylor record books in many passing categories. Brian didn’t feel called to any particular school that was recruiting him until Fritz, the newly hired coach at Sam Houston State, offered him the week before signing day. “It was a last-minute deal,” Brian said. “There was something about Coach Fritz. He was coming from Missouri, I’d never heard of him before. But I wanted to be a part of what he was building. I knew it was something I wanted to be a part of.” Brian finished his college career at Sam Houston with a school-record 39 victories, back-to-back national championship games, and is the program’s career leader in passing yards (8,655), completions (621) and touchdown passes (84). Whether he was watching Shawn with the Bears or Brian with the Bearkats, Mark and his wife, Becky, never missed a game, even if that meant driving through the night or adjusting flights at the last minute. In 1993, the Bell family suffered an unimaginable tragedy when their five-and-a-half-year-old daughter, Lindsay, died in a car accident. “I made it a point that I was never going to miss a game, no matter what it took,” Mark said. “My career was secondary to whatever had to happen. I was going to be there. I was never going to allow my son to call home and tell me he threw a touchdown pass. I was going to be there to see it.” Shawn and Brian felt the love. “There’s no substitute to looking up in the stands and knowing your dad is at every game, or walking off the field, win or lose, and knowing your mom and dad are going to be there,” Shawn said. “He set the foundation of what is really important in life. Faith first, family second, and then football.” China Spring head coach Mark Bell gets a hug from players Shannon Beaman (left) and Kody Fulp (right) after the Cougars’ 21-10 win over La Vega. China Spring is now two wins away from the first state title under Bell, who is in his 21st season. When Brian was a senior at China Spring, Shawn had left to set off on his own coaching journey, leaving just Mark there. Every day, Mark would bring Bush’s Chicken for the two to have lunch together. “We really enjoyed that year to the fullest,” Brian said. “He would sit down for lunch and say he’s never going to regret these moments. I look at my life now and I’ve got a two-year-old and a nine-month-old and those are the things I think about with them.” Making the leap Shawn couldn’t dial the number fast enough. Late on the night of Dec. 8, 2017, Shawn, then the head coach of Cedar Ridge, got a direct message on Twitter from Matt Rhule that only contained the Philadelphia phone number of the newly hired Baylor head coach. The next day, he was in Waco for an interview. A few days after that, he was officially hired as an offensive analyst. “I was just really excited,” Shawn said. “I told my wife that he sent me this for a reason, hopefully, I have an opportunity to get involved at my alma mater. I’ll forever be thankful to him and (Baylor athletic director) Mack Rhoades for giving me that opportunity.” Five years later, Shawn’s younger brother, Brian, also joined the Baylor coaching staff. Brian, hours removed from leading China Spring to a state championship, got a call from Baylor head coach Dave Aranda, who wanted him to come aboard as an analyst as the Bears prepared for the Sugar Bowl. Brian Bell took over for his dad, Mark, as head coach at China Spring in 2018. He left to become an analyst at Baylor in 2021 and is currently coaching alongside his older brother Shawn at Houston. “That was a whirlwind,” Brian said. “The one thing I wish I could have back was the timing. It happened so fast, and leaving China Spring and those kids after we won a state championship, was one of my biggest regrets. But it was a great decision for me and my family and we felt like it was the right thing to do.” They’ve been coaching side-by-side ever since. When Fritz was hired as Houston’s head coach before this season, one of the first people he called to join his staff was Brian. This time, Shawn was the one to follow his younger brother, leaving his alma mater after seven years to take on more responsibility as the quarterbacks coach with the Cougars. “We try to enjoy every day,” Brian said. “My office is two doors down from his. It is really neat to sit in the same room as him and talk about offense, talk football. To do it at this level is pretty special.” Baylor travels to Houston to take on the Cougars on Saturday night. UH QBs Coach Previews Matchup Between Houston & Baylor | Shawn Bell // via Baylor Athletics on Sic Em 365 on YouTUbe Shawn, who turned 41 last weekend, will always have a special place in his heart for Baylor, Waco and China Spring, but the goal for Saturday is for the Cougars to go 1-0 in what figures to be a raucous environment. “It’ll be the first time in 41 years that I’ll be rooting against the Baylor Bears,” Shawn said. Mark and Becky will be there, just as they have been the entire time. “I’m totally elated at the whole situation,” Mark said. “I think they aspire to keep advancing their careers. But as I always told my boys, I want you to be a better person than a coach or player. I’m not just proud of their athletic accomplishments, but I’m more proud of the Christian young men that they are. 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Published 2:11 pm Tuesday, December 24, 2024 by Staff Reports Because no one logs more travel miles on Christmas Eve than Santa Claus, the Big Guy simply insists on being well prepared. That’s why earlier this month, at Santa’s request, the Mississippi Department of Transportation (MDOT) cleared St. Nick and his reindeer for all modes of travel in the state on Christmas Eve and awarded him an official Certificate of Travel Clearance. MDOT staff thoroughly inspected Santa’s extra wide sleigh load, ensuring it met all safety requirements. Permits were issued for his sack of toys surpassing posted weight limits, and Rudolph’s nose so bright met, but did not exceed, the illumination threshold. All takeoffs and landings to and from the homes of good children have been approved, and exceptions were granted for any last-minute “Nice List” additions. Email newsletter signup While at MDOT, Santa received reports on Mississippi drivers’ conduct from elves Darryl and Cheryl. Sadly, elven intel suggests some of the state’s motorists may receive a lump of coal this year. However, St. Nick insisted that with a few behavior adjustments and a sprinkle of Christmas spirit, even the most egregious drivers may be able to change their fate. Darryl and Cheryl also gifted Santa a reflective vest for extra safety and visibility along state highways. Currently, conditions appear favorable for sleigh flight on Christmas Eve. Motorists are advised to drive slow and be alert for sleighs, reindeer and their white-tailed cousins after dark on Christmas Eve. Blitzened driving is strictly prohibited. Meridian state Rep. Young dies at 62 Mississippi expects only a small growth in state budget Mississippi woman pleads guilty to stealing Social Security funds 2 credit unions in Mississippi and Louisiana are planning to mergeHouse OKs bill to add judges

( MENAFN - GetNews) Andrew Hanson discusses creating a financial plan for the future Listen to the interview on the Business Innovators radio Network: Interview with Andrew Hanson Vice President of Generations Wealth Management Discussing Creating A Financial Plan for the Future Mike Saunders welcomes back Andrew Hanson, Vice President of Generations Wealth Management. They discuss the importance of creating a solid financial plan for retirement and emphasize the necessity of starting early. Andrew shares insights on the common tendency to procrastinate financial planning and stresses that it's never too early to begin. He explains that the initial step can be the hardest but is crucial for allowing sufficient time for a financial plan to grow and develop effectively. Initiating a financial plan early is essential for achieving long-term success, as it allows ample time for the plan to develop and grow, making it easier to reach financial goals. In a podcast episode featuring Andrew Hanson, several key points underscore the importance of early financial planning. One of the most significant advantages of starting a financial plan early is the time it provides for investments to mature. Andrew emphasizes that“you can never plan too early, but you can plan too late.” This statement highlights that the earlier you begin, the more time your investments have to grow and compound. When individuals procrastinate and delay their financial planning, they risk missing out on the benefits of compounding interest and market growth. Creating a financial plan early allows individuals to establish a solid foundation for their financial future. Andrew suggests that even if someone starts with limited assets, they can still create a“skeleton foundation” of a plan. This initial framework can be built upon over time as financial situations improve. By starting early, individuals can set minor goals and make incremental changes that will lead to significant progress over the years. Andrew shared:“As a trusted family-owned firm, we blend our deep-rooted values of integrity, trust, and reliability with innovative financial expertise. With a commitment to excellence, we strive to be the beacon of financial stability for generations to come, fostering prosperity and peace of mind within the families we serve.” Many people, particularly those in their 30s and 40s, may feel overwhelmed by the idea of financial planning, especially if they believe they lack sufficient assets. Andrew points out that this anxiety can be alleviated by taking that first step. Once a plan is in place, individuals can see a clearer path to their financial goals, which can be empowering. The act of planning helps reduce uncertainty and provides a sense of control over one's financial future. Starting a financial plan early also allows for greater flexibility and adaptability. As life circumstances change-such as having children, changing jobs, or experiencing shifts in the economy-an early financial plan can be adjusted to accommodate these changes. Andrew mentions the importance of reviewing the plan regularly, ideally every six to twelve months, to ensure it remains aligned with current goals and situations. This ongoing evaluation helps individuals stay on track and make necessary adjustments as they move closer to retirement. Another critical aspect of early financial planning is preparing for potential challenges, such as changes in taxation or market volatility. Andrew advocates for“pessimistic planning,” which involves preparing for worst-case scenarios. By anticipating these challenges early on, individuals can create a more robust financial strategy that can withstand unexpected events, ensuring they are not caught off guard later in life. Video Link: About: Two generations of trusted Hanson financial professionals serve multiple generations of clients concerned with financial goals, wealth management, safety, security, and estate planning. Richard Hanson, President of Generations Financial & Insurance Services, began his career in 1983. He is currently an educational speaker on retirement and money management. Mr. Hanson is Designated as a Certified Senior Advisor (CSA). He Currently Holds a membership with the National Association of Life Underwriters. 2011 Insurmark Hall of Fame Inductee. Andrew Hanson, Vice President of Generations Financial began his career in January 2016. He is the Head of Case Design Team & Digital Outreach. He hosts numerous Seminars educating our community on such subjects as: Social Security, RMD's, Asset Protection, Legacy Protection, College Funding and IRA / 401(k) Analysis. Learn more: Recent Interviews and News MENAFN24122024003238003268ID1109028532 Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.HVAC Market: 53% of Growth to Come from APAC, Report on AI-Driven Market Transformation - Technavio“I noticed the trans volunteer at Amberpet today,” remarked a passerby, adding, “Honestly, they didn’t stand out at all. Their only difference from the other policemen was the lack of badges.” It is not a light observation, it is instead a moment where “different” seemed to dissolve into the ordinary. “This is a great sensitisation programme for society who thinks we are only meant for sex work and begging at traffic signals,” said Dr Prachi Rathod, India’s first transgender medical officer at a government hospital. On Tuesday, 39 transgender individuals were officially deployed as traffic assistants across Hyderabad. This is a pilot project, introduced as part of the Congress government’s move towards inclusivity. “It feels surreal,” said Nisha, one of the recruits, stationed in the Secunderabad zone. “Just 15 days ago, I applied, and here I am, wearing a uniform, holding authority. Today was my first day, and it felt wonderful. Our training officer treated us with so much care, it was like we were being looked after as family.” This recruitment drive was done with the help of community members and organisations. Rachana Mudraboyina, founding member of the Telangana Hijra Intersex Transgender Samiti, who was part of the process, stated that while 50 vacancies were advertised, 44 candidates made it to training, and finally, 39 took up the job. The selection process included physical tests like running and long jumps. For the recruits, the job brings dignity and stability. Paid `30,000 per month on a six-month contract, they now find themselves in a position of respect. Their responsibilities are similar to those of any traffic officer like managing vehicular flow, ensuring road safety, and addressing traffic issues. “There’s no distinction in the way they’ve been trained or treated,” said Hyderabad traffic DCP Rahul Hegde. “They’re even paired with senior officers at junctions to ensure they settle in smoothly.” Dr Prachi Rathod, who is currently working at Osmania General Hospital, believes it’s a step towards reshaping societal attitudes. “People used to see my community begging at signals. Now, they’ll see us guiding traffic. That changes everything.” The city’s response has been largely positive, with social media brimming with applause. “This is how change begins,” said Aman Kumar, a citizen. “It’s a meaningful step towards inclusion.” Amidst the celebrations, there’s also a call for permanence. Advocates want the state to extend the program and offer permanent roles, and expand it to Telangana. Advocates also raise concern about the drive not encompassing the entire LGBTQIA+ spectrum. Like Anil (also known as Savitri), a long-time activist and NGO leader, acknowledged the impact, but said, “There’s still a long way to go. The government required transgender ID cards for recruitment, which isn’t always feasible. Gender identity is personal and doesn’t need validation through surgery or documentation.” For now, though, the volunteers are relishing their new roles. Nisha shared her excitement about the future. “They told us if we perform well, we might get to stay on beyond six months. I’m ready to prove myself.”