Associated Press

Today's top trending stories

Read more about how the SECURE Act will change retirement savings, what Donald Trump said about his impeachment trial, and check out other stories trending online today.

Congress passes SECURE Act

A bill aimed at making retirement saving a bit easier is on its way to the president's desk for signing. While the bill will help some to save, especially those working part-time or at smaller companies, the bill is being criticized by some.

Read more about changes the SECURE Act will make from Money.com

Trump wants trial

While House Democrats hold up potential impeachment proceedings over concerns about how Republicans in the Senate will conduct the trial, President Trump wants a trial sooner than later, believing he will be exonerated.

Read more about what the president has said from the BBC

Democratic debate: Who won?

Last night featured the final debate in 2019 among those contending for the Democratic nomination for president.

See who won and lost at the debate according to NBC News

Bucks top Lakers

In what could be an NBA Finals preview, LeBron James and the Lakers lost to Giannis Antetokounmpo and the Bucks, 111-104.

Read more about the game from CBS Sports

Other headlines trending today

India extends controls on protests after day of deadly violence (CNN)

Wawa says data breach may have collected thousands of customer card numbers and names (CNBC)

Potential No. 1 pick in NBA Draft withdraws from Memphis to prepare (UPI)

All eyes in New England on Tom Brady's hurting elbow (FTW)

'Star Wars: Rise Of Skywalker' Feels The Force Thursday Night With Around $44M (Deadline)

Marvel Studios Rumored To Be Eyeing Emma Stone For A Major MCU Role (Brobible)

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Changes to retirement plans, Trump on impeachment & more: What's trending today - cleveland.com

Failing to withdraw a required minimum distribution (RMD) from your own or an inherited IRA by the deadline results in a big tax code penalty: 50%. That's right. If you were supposed to take out a minimum of $4,000 and (oops!) did not do so, you have the privilege of writing the IRS a check for $2,000.

Like many investors, you're likely aiming to build a comfortable nest egg to ensure a comfortable retirement. Among retirement financial planners, this is called the "accumulation phase." In this phase, your goal is to invest wisely by choosing stocks with long-term potential for your retirement portfolio, such as Ameriprise Financial Services (AMP), a current top ranked dividend stock.

There is also a second phase of retirement planning that gets less focus - despite the fact that it's the more interesting part. It's the "distribution phase," which essentially means spending the wealth you've worked hard to amass.

Making plans for the distribution stage involves deciding where you'll live in retirement, whether you'll travel, your proposed leisure activities, and more decisions that will affect your spending during your golden years.

Along with these aspects, it is important to consider the required minimum distribution (RMD) that applies to most retirement accounts. Essentially, the IRS requires you to withdraw a specific sum from your qualified retirement accounts once you hit age 72.

Why does the IRS requires you to start taking your money out? It's simple - they want to make sure they get their tax. If this rule didn't exist, people could live off other income and never pay tax on their retirement investment gains. Then, that money could be left to family or friends as an inheritance without the IRS collecting any taxes from you.

What You Need to Know About RMDs

Which types of retirement accounts have RMDs? Qualified retirement accounts like IRA accounts, 401(k)s, 457 plans and other tax-deferred retirement savings plans like a TSP, 403(b), TSA, SEP, or SIMPLE IRA plan require withdrawals in retirement.

When do I have to start taking distributions? For most accounts, you must take your first distribution by April 1 of the year following the calendar year in which you reach age 72.

Every year after your start date, you are required to take your RMD by December 31. Remember, for Roth IRAs you do not have to take an RMD because you paid taxes before contributing. However, other types of Roth accounts do require RMDs, but you may be able to avoid them (for instance, by rolling your Roth 401(k) into your Roth IRA).

What happens if don't take my RMD? The penalty for not taking a required minimum distribution, or if the distribution is not large enough, is a 50% tax on the amount not withdrawn in time.

How much money do I have to withdraw? To calculate a specific RMD, you must divide your prior year's December 31st retirement account balance by a "distribution period" factor based on your age.

Here's an example to give you an idea of the amount: Ann is 70 and will take her first RMD in the year she turns 72. Her IRA balance at the end of the prior year was $100,000. Her "distribution period" factor is 27.4. Dividing $100,000 by 27.4 equals $3,649.63. This is how much Ann is required to withdraw for the calendar year in which she turns 72.

Learning about the "distribution phase" is just one aspect of preparing for your nest egg years.

To learn more about the tax implications of retirement spending - and much more about retirement planning - download our free guide: Retirement Made Easy.

You???ll find useful, detailed steps to help you navigate both the accumulation and distribution phases of retirement planning. Get Your FREE Guide Now Ameriprise Financial, Inc. (AMP) : Free Stock Analysis Report To read this article on Zacks.com click here.

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Know These 3 Facts to Avoid Paying Half Your Retirement Income to the IRS - December 20, 2019 - Yahoo Finance

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KANSAS CITY, Mo. -- It's retirement day for one KCPD officer and his partner.

Now retired Officer David Edwards and his working dog Ike celebrated the milestone together on Friday. The pair have done most everything together, and now they can add retiring to the list.

"I've always liked dogs. It's always been fun, and started going out and volunteering working on my own time with them in the 90s, and wound up out there," Edwards said.

Edwards was with KCPD for 32 years, nine months and six days. He worked with dogs for nearly 30 years and had six partners. Ike the Belgian Malinois has been with him for seven.

Sgt. William Brown, Edwards' and Ike's supervisor, was sad to see them go.

"I think it's important because these dogs are our partners," Brown said. "They're with us 24 hours a day seven days a week. To see them grow together and leave together is really important."

Their badges were given to them in a shadow box in front of colleagues, family and friends. On the back of Edwards' badge is a heart sticker his daughter placed there more than two decades ago.

"Even as she got older it was still nice when you pinned a badge on another shirt. It was an immediate family connection," Edwards said.

"Sometimes you go through the day and you may not think about, 'Oh, I wonder what theyre doing.' When you put that on there its like, 'Man, I hope theyre OK. I gotta make sure theyre OK. I havent talked to them in a day or two.' So its a nice little reminder."

Edwards said he's going to enjoy a more slow-paced life with hunting, fishing and enjoying time with family, including his newborn granddaughter. However, he'll make sure Ike keeps busy.

"He never quits. He's going all the time," Edwards said. "He's searched a house three or four times in one setting. I can get him to lay down for 10 minutes, maybe, and then he's up searching the whole house again."

They're both reserve officers for the department now. David and Ike will be back when the department needs them, but for now they will have their cake and eat it, too.

"To watch them grow together and to watch them ride off into the sunset together, I don't think you could ask for anything more," Brown said.

"It was the best way to -- the only way to retire," Edwards said. "I can't imagine retiring without him. I don't think I would. I think I would keep working until he could retire."

39.099727 -94.578567

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The only way to retire: Kansas City police officer and his K-9 partner retire together - WDAF FOX4 Kansas City

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Portraits of retired and retiring judges unveiled - The Winchester Star

How nice of Kellyanne and George Conway to finally acknowledge their martial issues and visit a therapist (or is it a reporter) to try to reignite their partisan flames in the bedroom. And you know what? These crazy, hate-fucking adults might just cement their status as soulmates of the century. Even though George isnt verified on Twitter. (Ew.) And even though Kellyannes boss called him a stone-cold loser. (Yuck.) And even though all the walls in their apartment might be littered with punch-marks. (Imagine the drywall bills.) Big thanks again to Ann Coulter for setting them up.

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There Are Very Fine People on Both Sides of Kellyanne Conways Marriage Story - Vulture

In the history of politics, there is no precedent for the medias entire focus to be on undoing the last presidential election.

True, the left has wanted to impeach every Republican president, but at least they used to wait a decent interval between the inauguration and concocting some preposterous impeachable offense.

With Trump, its never been about anything hes done. Its him they cant stand. The technical grounds for their impeachment is: REMOVE THIS MONSTER FROM MY SIGHT!

The left has gone from literally shaking on election night 2016, to literally shaking at Trump firing the FBI director (a.k.a. his employee), to literally shaking at Trump engaging in foreign policy.

On cable news, theyre still talking about Trumps Russia, if youre listening joke.

U.S. media: Proud not to get a joke.

The media pretend the president engaging in standard foreign policy is a big constitutional crisis. It is, but not the way they mean.

As explained in the seminal book on impeachment, High Crimes and Misdemeanors: The Case Against Bill Clinton, impeachment is not for policy disputes. Thats why, in any five-minute span on cable TV, you will hear someone say that James Madison expressly rejected maladministration as a ground for impeachment at the Constitutional Convention. Otherwise, he said, so vague a term would mean the president could serve only at the pleasure of the Senate.

This isnt a random quote, selectively plucked from the convention notes. Its the entire point of our country.

In Great Britain, impeachments were used as a weapon against a king whose veto Parliament could not override. Impeachment was often the only way members of Parliament could express themselves on policy matters. They couldnt block the kings policies, but they could impeach his ministers for giving him bad advice.

As history buffs will recall, we fought a revolution to get rid of the king. No king and Congress has plenty of tools for stymieing a presidents agenda and pushing their own, such as that thing thats completely slipped their minds: enacting legislation.

Moreover, the president, unlike a king, would not govern by divine right, but by the consent of the people. Staging impeachments over policy disagreements is a logical absurdity under our Constitution.

Worse, the Democrats are impeaching Trump over his foreign policy, nearly the exclusive province of the commander in chief.

To be extra clear that they dont care about the Constitution much less the Founding Fathers, whom they keep solemnly invoking the Democrats second article of impeachment against Trump is for obstruction of Congress. That is pretty much his job. How about impeaching a president for ordering a surprise military attack or appointing members of his Cabinet?

The Constitution gives each of the three branches devices to oppose the others. Congress can issue subpoenas, and the president can claim executive privilege. Then a court probably the Supreme Court will decide who wins.

Democrats have spent three years doing nothing but trying to obstruct the president. Theyre indignant, scribbling up articles of impeachment because he refuses to help them obstruct him.

The Supreme Court just took a case that will decide whether Trump can obstruct a House Committee from subpoenaing his financial records. So now its not just the executive branch, but the judicial branch, thats obstructing the almighty, shall-not-be-defied legislative branch. I guess the House will have to impeach the Supreme Court, too.

At least theyre not wasting time passing any laws. That will save us the embarrassment of the House impeaching the president for vetoing a bill.

In an attempt to prove the wide acceptance of their insane ideas about impeachment, the media keep telling us that, as Mike Murphy put it, if it was a secret vote, 30 Republican senators would vote to impeach Trump. (In his defense, Murphy also thought Jeb! was going to be president.)

Murphys non-disprovable smear has been repeated all over by E.J. Dionne at a Brookings Institute forum, on cable news shows, and in several articles in The New York Times just in the last week.

This drop-the-mic charge is one of most cynical and anti-democratic arguments you will ever hear. Its rolled out as if its argument for impeachment, when in fact its an argument against.

The secret vote claim is the precise reason these people should never be anywhere near power not even with a White House tour group. They think a presidential phone call should be broadcast on Netflix, but a senator should only vote in private, like having sexual relations.

Im to vote in full view of the public? Oh, how awful!

Yes, Im quite certain that most politicians would love to do things differently if only they could be rid of the pesky rabble looking over their shoulders. I just didnt think theyd be stupid enough to admit it.

Ann Coulter is the writer of 12 best-selling books,

including In Trump We Trust.

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ANN COULTER: Article I: Remove this beast from my sight! - MDJOnline.com

Every day, global trends are reshaping society and the business landscape.

Todays infographic from McKinsey Global Institute (MGI) presents a snapshot of 10 insights into how the world is changing, based on its research work from 2019.

How did we get here, and where are we going?

Globalization is making the world shrink every day, as humans and trade become increasingly connected. However, there are signs that point to a new phase of globalization that is leading to different outcomes than prior years.

Global exports are fundamentally shifting. Although manufactured goods are traded at higher volumes, certain services have grown up to three times faster.

The compound annual growth rate (CAGR, 2007-2017) for different sectors are as follows:

This has a profound impact on the mix of industries and countries involved in this shift away from goods and towards services. Asia is coming of age in this phase of the global economy.

Trade with and within Asia is rising, and shows no signs of slowing down. The regions economic might is growing rapidly, and with higher disposable incomes, consumption is growing too.

In China, there is a new dynamic at play.

Compared to other developed nations, Chinas economy is relatively closed. The country is re-balancing its focus towards domestic consumption and relying less on other countries for trade, technology, and capital.

At the same time, the rest of the world is increasingly exposed and tied to China for the same thingsand such unequal engagement has a ripple effect on everything from financial markets to flows of technology and innovation.

New technologies like artificial intelligence are sparking new opportunities, but they also raise questions about the future of work across geographies and gender.

As the costs of devices and data plummet, Indias digital adoption is surgingit closely competes with China for the highest digital population across everything from smartphone ownership to social media users.

As mass adoption of digital technologies continues, it is poised to add significant economic value to the Indian economy.

Companies worldwide are also integrating new technologieschanging the nature of work itself.

By 2030, talent and investment in the U.S. will be concentrated in a few regionswith 60% of job growth coming from just 25 hubs.

These are just some examples of places which see double-digit potential net job growth by 2030. However, all regions will face unique challenges in the next decade.

Globally, women and men are at similar risk of losing their jobs to automation by 2030.

*FTE: full time equivalent. Based on midpoint automation scenario.

While everyone needs to adapt in the age of automation, women face more barriers. They spend up to 1.1 trillion hours on unpaid care work, nearly three times that of men (400 billion hours).

Women are also often in lower-paid roles or male-dominated professions. Additionally, many women have less access to digital technology, and limited flexibility to pursue education. These factors make it harder for women to catch up and bridge the gap left behind by automation.

Its clear that while technology generates opportunities, it also creates new social challenges. Low- and middle-income households face stagnating incomes, higher debt, and rising basic costs.

The U.S. labor share of income has been dropping for yearsbut of this decline has occurred since 2000.

According to McKinsey Global Institute, boom-bust commodity cycles and rising depreciation are the main factors behind this trend, more so than commonly-cited automation or globalization.

Stagnating incomes mean less purchasing power, while the cost of basics are sharply rising.

The global inequality gap has narrowed, but within developed economies, it has actually increased.

Technology and globalization have made many discretionary goods cheaper. However, basic costs such as education, housing, and healthcare have ballooned compared to the rate of inflation over the past decade.

With wages stagnating, the higher costs for basics have eaten into disposable incomes in many mature economies.

Global trends drastically influence how companies compete with one another, transforming corporate dynamics worldwide.

In just two decades, the distribution of economic profits has been growing increasingly wider. The top 10% of companies (>$1 billion in revenue) brings in an ever-larger share of total profits, while the losses of the bottom 10% share deepen.

*In 2016 dollars. Considers corporations with $1 billion average sales (inflation-adjusted). Sample sizes: 2,450 companies (19961997) and 5,750 companies (20142016).

In essence, the bottom 10% destroy as much value as the top 10% createand it has only intensified in 20 years.

Latin America best exemplifies this corporate trend of companies thriving versus surviving.

Compared to similar economies, Latin American countries lack mid-size companies with over $50M in revenue. The Latin American average for firms per $1T GDP is 65 firms, while 100 firms is the benchmark average.

While Asias share of the largest firms is widely distributed across countries, Latin American enterprises are lagging behind.

CEOs and leaders will need to adapt to the new age of disruptionand quickly. To become a 21st century company, they must ask 10 crucial questions about how they operate in an increasingly complex world:

As the 10 insights suggest, global trends are profoundly altering the course of our future. Their impact varies greatly depending on demographics and region.

Everyonebusiness leaders, policy makers, and individuals worldwidewill need to adapt to the realities of a world in transformation.

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How Technological Breakthroughs are Shaping the Future of Investing - Visual Capitalist

NEW YORK--(BUSINESS WIRE)--Star Mountain Capital, LLC ("Star Mountain"), a specialized investment manager focused exclusively on the large and underserved U.S. lower middle-market, is pleased to announce that it has been named one of the 2019 Best Places to Work by Pensions & Investments.

We are honored to be recognized by what I believe to be one of the investment industrys most prestigious publications, said Brett Hickey, Founder & CEO of Star Mountain. With over $1 billion in assets under management and 30 full-time team members, we look forward to continuing to deliver results for all of our aligned stakeholders.

Since 2010, Star Mountain has made over 60 direct investments in U.S. small and medium-sized businesses and over 20 primary/secondary fund investments within its Collaborative Ecosystem, exclusively focused on the U.S. lower middle-market. Star Mountain specializes in bringing large market resources to the established small and medium-sized U.S businesses it invests in.

Star Mountains focus and dedication has been productive for job creation and economic development. Star Mountain is dedicated to this large market of underserved businesses with its specialized business model established to address the challenges and opportunities of these companies. As part of its commitment, Star Mountain has trademarked Investing in the Growth Engine of America.

Star Mountains distinctive business has helped generate positive income and overall financial returns for investors and this has helped it attract sophisticated global high net worth and institutional investors.

One hundred percent of our employees receive a share of the profits we generate from investment returns. Everyone is passionate about their careers and aligned to succeed as the firm continues to grow, said Chris Gimbert, Chief Financial Officer of Star Mountain.

Star Mountain prides itself on providing a year-round Internship program to local students, veterans, athletes and other talented individuals. Star Mountain also believes it is important to promote from within and recognizes those that demonstrate passion, perseverance, determination and grit.

ABOUT STAR MOUNTAIN

Investing in the Growth Engine of America Star Mountain Capital is a specialized asset management firm focused on investing in the large and underserved U.S. lower middle-market of companies with typically over $10 million of annual revenues. Star Mountains distinctive business includes a custom-built media and technology platform and brings large market resources to smaller businesses as a value-added lender and investment partner.

As part of its ESG program (Environmental, Social and Governance), Star Mountains Charitable Foundation, a not-for-profit 501(c)3 focuses on improving lives through economic development, including job creation, health & wellness and cancer research. Notable missions include helping match veterans and women with high quality small and medium-sized business career opportunities across the country, including within Star Mountains portfolio which in aggregate represents over 200 companies.

Note: Awards and recognitions by unaffiliated rating services, companies and/or publications should not be construed by a client or prospective client as a guarantee that he / she / it will experience a certain level of results if Star Mountain is engaged, or continues to be engaged, to provide investment advisory services; nor should they be construed as a current or past endorsement, testimonial endorsement, recommendation or referral of Star Mountain or its representatives by any of its clients or any other third party. Rankings published by magazines and others are generally based exclusively on information prepared and / or submitted by the recognized advisor. Moreover, with regard to all performance information contained herein, directly or indirectly, if any, readers should note that past results are not indicative of future results. The description and the selection methodologies of each award and recognition are subjective and will vary.

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Star Mountain Capital Named One of Pensions & Investments 2019 Best Places to Work - Business Wire

A long-time Ragland plant is getting what local leaders say is St. Clair Countys biggest capital investment in more than 20 years.

The National Cement Co. of Alabama has announced plans to pump more than $250 million into building a new kiln at its Ragland production plant.

The company has been producing cement in Ragland since 1910 and ships manufactured cement products to customers in Alabama, Georgia, the Carolinas, Tennessee, Mississippi and Florida. Its parent company is Vicat SA, based in France.

Construction should begin in the first quarter of 2020, with start-up scheduled for 2022. Normal work will continue at the plant through construction.

Spencer Weitman, National Cement of Alabamas president, said the project should bind the company in Alabama for some time.

It will ensure that our employees and our Ragland facility can continue to be competitive for years to come by upgrading our plant with the latest technology and equipment, Weitman said. We have enjoyed a long, successful partnership with the Ragland community, and look forward to that continuing for many years to come.

Economic and government leaders praised Gov. Kay Ivey, the Alabama Department of Commerce, the Birmingham Business Alliance and local leadership for aiding the project.

The investment in National Cements facility is a great example of our ability as a state, county, and city to work together and increase opportunities for the residents of St. Clair County, Paul Manning, chairman of the St. Clair County Commission, said. We are excited about their continued commitment to the Town of Ragland, and we have always appreciated their support of the St. Clair County community."

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National Cement investing $250 million in Ragland plant - AL.com

DURANGO, Colo.--(BUSINESS WIRE)--Swan Global Investments (Swan), a specialized asset management firm with a 20-year track record at the forefront of hedged equity solutions, today announced a new educational content partnership with the Investments & Wealth Institute (the Institute). The two organizations have partnered to launch an education series for financial advisors: All Options on the Table: Holistic Investment Strategies for a Volatile, Low-Yield World. Member and non-member registration for the first-of-its-kind course can be found here.

All Options on the Table is a 10-part series led by Swans Client Portfolio Manager, Marc Odo. The curriculum will help advisors gain practical insights regarding options and options-based strategies, including due diligence and portfolio implementation. Swan and the Institute developed this resource to provide advisors with an edge as they help clients see around corners and build portfolios that are aligned to changing marketplace realities.

Swan believes advisors must understand that a conventional portfolio comprised of 60% stocks and 40% bonds exposes clients to undefined and unnecessary risk. Increasingly, bonds are no longer able to serve the dual-mandate of delivering downside protection and offering attractive returns. As a result, advisors need to be searching for other solutions including options-based strategies to mitigate risk and produce positive returns for their clients, especially those nearing or navigating retirement.

As the traditional 60/40 portfolio becomes increasingly ineffective, advisors need to identify alternative solutions and strategies, such as options, that will offer their clients both downside protection and the potential for enticing returns, Odo said. Through our partnership with the Institute, Swan seeks to equip advisors with the knowledge they need to implement options-based strategies, which will ultimately put their clients in the position to retain and grow precious capital on the road to wealth and retirement.

With the investing environment undergoing swift change, we saw this partnership with Swan as an opportunity to educate advisors on how to implement options-based strategies to balance risk and reward in clients portfolios, said Sean R. Walters, CAE, Chief Executive Officer, Investments & Wealth Institute.

The course will cover several timely topics, including:

About Swan

Founded in 1997, Swan Global Investments is a leading asset management firm that offers time-tested investment solutions built with a goal of producing consistent returns over time, by protecting irreplaceable capital from catastrophic loss.

About The Investments & Wealth Institute

The Investments & Wealth Institute is a professional association, advanced education provider, and standards body for financial advisors, investment consultants, financial planners and wealth managers who embrace excellence and ethics. Through its events, continuing education courses, and acclaimed certificationsCertified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Retirement Management Advisor (RMA)it delivers rigorous, highly practical education.

Important Risk Information

Swan Global Investments is an SEC registered Investment Advisor that specializes in managing money using the proprietary Defined Risk Strategy (DRS). Please note that registration of the Advisor does not imply a certain level of skill or training. All investments involve the risk of potential investment losses as well as the potential for investment gains. Prior performance is no guarantee of future results. This communication is informational only and is not a solicitation or investment advice. Further information may be obtained by contacting the company directly at 970-382-8901 or http://www.swanglobalinvestments.com. 470-SGI-121919

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Swan Global Investments and the Investments & Wealth Institute Establish Partnership to Educate Financial Advisors on Options-Based Strategies -...