TROON, Scotland People work their entire lives to retire to play golf. So, what do golfers do when they retire? Its a facetious question because certainly they can enjoy the game, too.

But competitively? That is a far different subject.

The narrative that Tiger Woods should retire will only get louder in the aftermath of another missed cut at a major championship, his golf a sad shell of his former self.

Woods shot 77 on Friday at Royal Troon, a day after a 79 effectively made the second round a chance to see the 15-time major champion one more time this year. His total of 156 was well off the 36-hole cut and when he made a double bogey on the second hole, any flickering hope was all but stamped out.

Once again, he showed glimpses of greatness but could not sustain it, an almost inevitable circle of Tiger chasing his tail.

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He cant play too much golf for fear of tweaking his back or putting too much strain on the right leg he badly injured in that 2021 car crash. But by not playing enough, he leaves himself vulnerable against the best players in the world, competing on the hardest courses, without sufficient preparation.

And so the circle goes. Tiger tries his best to get his game in shape to play in the tournaments in which he wants to compete the most and then repeats the cycle, giving up tournament reps to players a decade younger.

I have gotten better, Woods said. I just wish I could have played a little bit more, but I've been saving it for the majors just in case I do something pretty major and then take myself out of it. Hopefully next year will be a little bit better than this year.

Woods, 48, does not appear to be conceding anything. The idea that he should retire is somewhat ludicrous on its face. Woods has earned the right to compete in three of the four major championships via his previous victories. The United States Golf Association gave him a special exemption to this year's U.S. Open and hed surely get more if he wants them.

As a lifetime member of the PGA Tour with 20 or more wins, he can play any regular tour event he wantsand would get a sponsors invite if needed. The signature events have created a special category for him that wont take a spot from another player.

The 15-time major champion who has won 82 PGA Tour events deserves to handle this how he pleases, playing as often or as little as he wants.

But hed be far better served if he didnt talk about showing up to win, a noble but unrealistic pursuit. There is no shame in small victories right now, just as when he made the cut at the 2022 Masters 14 months after the crash. That was viewed as its own win.

And hed do well to play before now and the end of the year, to build up some competitive consistency, to develop a system of practicing, playing, recovering and playing again.

A tournament in September and October followed by his own Hero World Challenge would go a long way to answering some questions.

But Woods is nothing if not stubborn, and he made it clear that he wont play again until December at the Hero.

No, I'm not going to play until then, he said. I'm going to just keep getting physically better and keep working on it. Hopefully just come back for ourwhat is it, our fifth major, the Father-Son, so looking forward to it.

Woods was referring to the PNC Championship, which hes played with his son, Charlie, each of the last four years. Thats a 36-hole exhibition two weeks after the Hero. While its clearly great for him to do, it doesnt prepare him to play this kind of golf.

In 11 competitive rounds this year, Woods never broke par. He had five scores of 77 or higher, including an 82 during the third round of the Masters. That he made the Augusta cut for a third straight year was impressivehis even-par 72 during the second round on a brutally difficult day stood outand it will long be underrated among his many accomplishments. But it doesnt satisfy the current doubters.

Colin Montgomerie recently made headlines with his interview in the Times of London in which he called for Woods to retire.

I hope people remember Tiger as Tiger was, the passion and the charismatic aura around him, Montgomerie told the Times. There is none of that now. At Pinehurst he did not seem to enjoy a single shot and you think, What the hell is he doing? Hes coming to Troon and he wont enjoy it there either.

Woods certainly didnt enjoy the scores, but nothing suggests he is loathing the process.

I loved it, he said. I've always loved playing major championships. I just wish I was more physically sharp coming into the majors. Obviously it tests you mentally, physically, emotionally, and I just wasn't as sharp as I needed to be. I was hoping that I would find it somehow, just never did. Consequently, my results and scores were pretty high.

Fans who packed the grandstands and lined up 10 deep along the ropes were no doubt happy to see him in person.

There is this notion that people are tired of seeing him struggle, especially on TV, which seems somewhat absurd given that metrics continue to show he is popular. Hes played so few times that its hardly a burden on those who wish to avert their eyes elsewhere.

As for locally, how often will they get to see him again? Next years Open is at Royal Portrush in Northern Ireland. Its going to Royal Birkdale in England in two years. Future venues have yet to be announced. Woods will be in his 50s the next time the Open returns to this part of the United Kingdom.

I've won two Open Championships here in Scotland, so I've always enjoyed playing up here and enjoyed the different types of links that Scotland brings and the challenges are, he said. I've missed playing Troon. It's been a long time. I remember playing here way back in '97. I've had some good memories here. I just wish I'd done a little bit better and looking forward to it.

The Open, ultimately, is the most realistic opportunity for Woods if he is ever to get into contention again. Enormous length is not required and he knows his way around links courses.

But this week again showed that trying to ramp it up at home is not enough. Woodss lack of sharpness, his lack of competitive hardening, is sorely missing. Twice during practice rounds, Woods hit beautiful approach shots to within a few feet of the par-3 8th hole. Once the tournament began, he missed the green both times.

Those are but two examples. Woods had just four birdies over two days. He had three double bogeys. He has not shown enough firepower to overcome the inevitable mistakes that rust will bring. The scorecard only cares about the number, not his legendary status.

Nearly five months will pass before we are likely to see Woods in a competitive arena on a golf course. Once again, the Bahamas before the holidays will become a referendum on how far he has progressed, how far he might go in the new year.

It was that way last year when Woods looked good at the Hero while walking 72 holes. And it was seemingly all gone when he couldnt follow through on his play-once-a-month goals, meaning he had played all of 24 holes in 2024 before teeing it up at the Masters.

If your bodys just not letting you do it, its frustrating, said Xander Schauffele, who played with Woods the last two days. Im sure hes trying to figure that out.

Woods has some more immediate tasks. Charlie begins play in the U.S. Junior Amateur on Monday. His duties as a player-director on the PGA Tour Policy Board are ongoing as PGA Tour Enterprises tries to negotiate a deal with the Private Investment Fund of Saudi Arabia. He also runs a design business and a foundation.

Somehow in there, perhaps Woods will find time to work at the game hes excelled at for so long. With a 49thbirthday looming, hes not retiring, doubters be damned.

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Tiger Woods Can Retire When He's Ready, But It's Now Time to Lower Expectations - Sports Illustrated

The 2024 Chess Olympiad is set to be held in September this year in Budapest, Hungary. Gukesh Dommaraju will be leading the Indian contingent at the event alongside the talented Praggnanandhaa Rameshbabu.

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The Olympiad will serve as a great rehearsal for Gukesh before he champions the FIDE World Champion, Ding Liren in November this year. Gukesh won the FIDE Candidates tournament earlier in April this year, earning himself a title shot against Chinas Liren.

Gukesh became the youngest player to win a Candidates tournament. The 18-year-old won the prestigious tournament in Toronto in April.

Apart from Gukesh and Praggnanandhaa, Grand Masters Arjun Erigaisi, Vidith Gujrathi and Harikrishna Pentala will be representing the tri-colour in Budapest in the mens department.

When it comes to the womens department, Vaishali Rameshbabu, Divya Deshmukh, Vantika Agrawal, Harika Dronavalli and Tania Sachdev will be the Indian representatives at the 2024 Chess Olympiad.

The 2024 Chess Olympiad will start on Tuesday, September 10 in Budapest, Hungary. The tournament will last for a total of 14 days, up until Monday, September 23.

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Chess Olympiad 2024: Gukesh Dommaraju to spearhead Indian challenge - Sporting News

New Delhi, June 21 -- The Indian Defence Forces celebrated International Yoga Day with great enthusiasm. Several videos of Indian soldiers practicing yoga in uniform were shared online. Army jawans were spotted performing yoga in Pir Panjal, Leh, and Sikkim. This year's International Yoga Day theme is 'Yoga for Self & Society'.

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Indian Armed Forces Participate In International Yoga Day Celebrations - Ottumwacourier

New Delhi, June 21 -- The Indian Defence Forces celebrated International Yoga Day with great enthusiasm. Several videos of Indian soldiers practicing yoga in uniform were shared online. Army jawans were spotted performing yoga in Pir Panjal, Leh, and Sikkim. This year's International Yoga Day theme is 'Yoga for Self & Society'.

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Indian Armed Forces Participate In International Yoga Day Celebrations - McDuffie Progress

Updated: 21/06/2024 - 11:56 GMT+2

In India's capital city New Delhi, hundreds of people gathered at the ceremonial Kartavya Path boulevard to celebrate International Yoga Day.

In India's capital city New Delhi, hundreds of people gathered at the ceremonial Kartavya Path boulevard to celebrate International Yoga Day.

This year marks the tenth anniversary of the event.

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Video. Hundreds of yogis gather in New Delhi to celebrate International Yoga - Euronews

New Delhi, June 21 -- The Indian Defence Forces celebrated International Yoga Day with great enthusiasm. Several videos of Indian soldiers practicing yoga in uniform were shared online. Army jawans were spotted performing yoga in Pir Panjal, Leh, and Sikkim. This year's International Yoga Day theme is 'Yoga for Self & Society'.

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Indian Armed Forces Participate In International Yoga Day Celebrations - MyTexasDaily.com

Despite a recent dip following its fourth halving, Bitcoin remains in great shape with plenty of upside.

Bitcoin (BTC -3.46%), the world's first and most well-known cryptocurrency, has been making headlines once again. Following its fourth halving on April 19th, which reduced its inflation rate to a mere 0.85%, Bitcoin soared to a new all-time high of $73,000 in anticipation of this significant event.

However, since then, its price has experienced a slight dip and significant fluctuation. In fact, its price has ranged from $66,000 to $72,000 within the past 24 hours alone. So, what does this mean for investors, and is its post-halving dip just a temporary setback?

Image source: Getty Images.

In the lead-up to the halving, Bitcoin investors were abuzz with anticipation. The recently introduced spot Bitcoin ETFs were buying more than 10 times Bitcoin's daily production rate, giving Bitcoin the added boost It needed to soar to a record high of $73,000.

This milestone was particularly noteworthy because it marked the first time Bitcoin reached an all-time high before the halving event itself. Historically, Bitcoin notches a new all-time high after the halving.

Given that Bitcoin reached an all-time high before the expected timeline, it's no surprise that a rapid surge was met with a subsequent period of consolidation. This is evident from on-chain data, revealing that long-term holders started capitalizing on profits at the highest rate seen since early 2021.

For the investor who was unaware of these underlying trends, the fact that Bitcoin was still trading slightly below the $70,000 mark within the past few hours may prompt some to question whether the post-halving dip is merely a temporary setback or a sign of more significant turbulence ahead.

However, the seasoned investor understands that short-term fluctuations are par for the course for Bitcoin, even in bull markets. What's more important is to zoom out and consider the broader trend, which overwhelmingly favors Bitcoin's long-term growth trajectory.

In the years that Bitcoin underwent a halving, it has historically returned nearly 125%. When measured from the beginning of the year, that would be good enough to push its price to just over $100,000 by the end of 2024.

Yet, the real gains are made in the year after the halving once the impact of the halving begins to fully materialize. On average, during the year that follows a halving, Bitcoin's price rises more than 400%. If it follows past trends in 2024 and reaches $100,000, that means 2025 could be the year Bitcoin reaches more than $500,000.

These numbers may sound sensational, and admittedly, they should be taken with a grain of salt as past performance is rarely an indicator of future results, but it is difficult to contend with the promise that this halving cycle presents.

For the majority of Bitcoin's existence, its ascent was fueled predominantly by retail investors like you and me. However, with the recent approval of spot Bitcoin ETFs, the doors have been opened for deep-pocketed institutional investors to enter the Bitcoin market. Consequently, Bitcoin's supply is poised to face unprecedented pressure, the likes of which it has probably never experienced.

In the wake of the halving, Bitcoin's supply-demand dynamics undergo a significant shift, with the reduced issuance of new coins inevitably leading to increased scarcity. This scarcity, coupled with growing demand from institutional investors and mainstream adoption, forms the foundation for Bitcoin's long-term price appreciation. In essence, Bitcoin would have to defy economic principles to not increase in value over time -- a scenario that is highly unlikely barring unforeseen catastrophic events.

While this post-halving dip may have given some investors pause, we might be seeing its impact wane. Bitcoin's price is already up more than 15% in the last week and it appears it might be building momentum for another leg up. If there is another dip in the future, it should be viewed as an opportunity rather than a cause for concern as Bitcoin's long-term fundamentals remain robust, and the temporary fluctuations in its price are simply noise in the grand scheme of things.

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Is Bitcoin's Post-Halving Dip Temporary? - The Motley Fool

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Odds are you cant correctly answer this basic question about retirement investing.

It was included in a survey released earlier this week by the TIAA Institute and the Global Financial Literacy Excellence Center (GFLEC). More than half of the respondents got the answer wrong.

The question is below; the correct answer is at the end of this column:

Latisha plans to start saving for retirement by setting aside $2,000 this year. Her employer offers a 401(k) plan that fully matches a workers contributions up to $5,000 each year. Under which scenario does Latisha have the largest amount in retirement savings at year-end?

This question was one of five retirement fluency questions that were part of the TIAA/GFLEC survey. Another focused on how Social Security benefits are calculated, and even fewer (42%) answered it correctly:

Which statement about Social Security is false?

The point of these questions is not to make us feel bad about ourselves. The authors of the survey found that financial literacy can make a big real-world difference in how well prepared we are for retirement.

This is illustrated in the chart below. Of those who correctly answered at least four of the five retirement fluency questions, 75% were very or somewhat confident that they will have enough money to live comfortably throughout their retirement years. That compares to just 41% among those who correctly answered none of the five questions.

Furthermore, notice that theres a monotonic relationship between the number of retirement fluency questions correctly answered and retirement confidence.

Some of you may still wonder if its worth it. Financial planning requires mastery of a number of different fields, ranging from econometrics to human psychology. Just deciding when to start claiming Social Security benefits is a complex calculation involving close to one hundred separate variables.

Acquiring this mastery can be lengthy and arduous, and the potential benefit can be offset by one or two strokes of bad luck. As legendary investor Benjamin Graham, the author of The Intelligent Investor, famously admitted near the end of his illustrious career as an investment adviser (as well as being a mentor to Warren Buffet): One lucky break, or one supremely shrewd decision can we tell them apart? may count for more than a lifetime of journeyman efforts.

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It would be a mistake to see luck and literacy as in tension with each other, however. Opportunity knocks at the door of those who are ready for it.

Graham followed up his quote above with this point: Behind the luck or the crucial decision, there must usually exist a background of preparation and disciplined capacity. One needs to be sufficiently established and recognized so that these opportunities will knock at his particular door. One must have the means, the judgment and the courage to take advantage of them.

Luckily, you dont have to become a master at all aspects of retirement planning. You can engage the services of a qualified financial planner who has acquired that mastery. Just dont think it isnt worth the effort.

The correct answer to the first question is #1, since it leads to a retirement portfolio that is twice as large as #2 $4,200 at the end of the year, in contrast to $2,100.

The correct answer to the second question also is #1, since the amount you receive in Social Security benefits is a function of your 35 highest-paid years not just the last two.

Mark Hulbert is a regular contributor to MarketWatch. His Hulbert Ratings tracks investment newsletters that pay a flat fee to be audited. He can be reached at

More: Take MarketWatchs 2024 Financial Literacy Quiz

Also read: Financial Literacy Month is about more than saving or budgeting. Its about taking stock of your life.

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Test yourself: See if you're one of the few who can answer these 2 basic retirement questions - Yahoo Finance

If retirement looms for you and your partner, the timing of when each of you decides to leave workforce may not align. In such scenarios, where one spouse is still actively employed while the other has already transitioned into retirement, navigating this period can present challenges. Yahoo Finance's Kerry Hannon joins Wealth! to provide valuable insights on how couples should strategize and manage this phase of their lives.

For more expert insight and the latest market action, click here to watch this full episode of Wealth!

This post was written by Angel Smith

BRAD SMITH: Well, retirements it's an exciting time, so I hear. But what happens when your partner retires before you? To break down how to balance money conversations when one half of the couple is retired we have Yahoo Finance reporter Kerry Hannon. Hey, Kerry.

KERRY HANNON: Hey, Brad. Great to be here. This is a big issue, particularly this year, which is peak 65, which means more people are turning 65 this year than in any other year previously. So a lot of people think about retirement. And a study I saw last week, Ameriprise came out with a study, said that most people or most couples are fine with the other person retiring, but very few couples retire at the same time.

And so that becomes an issue because you're shifting from saving to spending. So your roles are shifting in your relationship. And what happens is resentment can really build up because most couples actually do not agree on spending priorities. So it's really critical for people to pay attention to some of these very basic things before this resentment starts to fester.

And so I recommend people really take the time to, you know, have a money date. I mean, prior to stepping away from the workplace, if one partner is stepping away, you need to have that conversation about, OK, where's the money coming from? Like I said to my-- my husband decided he wanted to step out at age 70, but I said, hey, you know, OK, so how are you going to pay yourself?

So you need to think about setting up what we're used to getting a paycheck. So you need to set up which accounts are you going to pull from. These are big questions to ask. And you also need to think about, you know, I think it's a great idea not only to have that money date but also to bring in a financial advisor.

If you're not already working with somebody, it's really important to bring somebody who's sort of unbiased that can holistically look at all your accounts and say, OK, let's set up a recurring payment that's going to cover these costs going into the accounts so that there isn't this disconnect about one person earning and one spending. And so this can become an issue.

And frankly, what's really important is you've got to think about marriage. Marriage is at its very heart a business partnership. So it's cash flow. It's income in. It's spending out. So you really need to be on the same page. And I just think a lot of couples are going to be facing this in the next period of time. So it's important to get a grip on it.

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Retiring at different times? Here are some things to discuss - Yahoo Finance

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