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    Why States Are Offering Workers at Private Companies Access to I.R.A.s

    With the plans, workers are automatically enrolled and contribute through payroll deductions. The goal is to help more Americans save for retirement.Traditional pensions are increasingly rare. About half of employees at private companies don’t have access to a retirement plan. And retirees themselves say they haven’t saved enough.That is why states have decided to step in and offer retirement accounts for private-sector employees, helping workers to save more and, new research shows, perhaps even spurring companies to offer their own workplace retirement plans.Automatic individual retirement account programs, known as “auto-I.R.A.s,” typically require private employers that don’t offer workplace retirement plans like 401(k)s to register for state-run plans.Workers are automatically enrolled in I.R.A.s, often with 3 to 5 percent of their income deducted from their paychecks, but can change the amount or opt out if they prefer. The employers — typically small businesses and nonprofits — provide access to payroll deductions to ease worker contributions, but don’t oversee the plan or pay fees.Auto-I.R.A.s are now available in 10 states, including New Jersey and Delaware, which started plans this summer, and soon will be in seven more, according to the Georgetown University Center for Retirement Initiatives. At the end of October, there were more than 930,000 accounts with $1.7 billion in savings for the eight plans for which data was available, according to the Georgetown center.Workers can, of course, open an I.R.A. on their own at a bank or brokerage. But few workers do so, perhaps because of inertia or because they are intimidated about making investment choices.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Older Workers to Get ‘Super’ 401(k) Catch-Up Contributions in 2025

    Workers who are 60 to 63 will be able to put in up to $11,250 in extra contributions, if they can afford it.Will you be age 60 to 63 next year? Lucky you! You have the option to contribute several thousand dollars more to your workplace retirement plan.That’s if you can afford it, and many workers will find it’s a stretch.Federal tax law already allows people 50 and older to make extra contributions, above the annual deferral limit, to a 401(k) or similar employer retirement plan. This year and next, that standard “catch-up” contribution is $7,500.But starting next year, the catch-up contribution limit will be higher for people in their early 60s, as part of the federal Secure 2.0 tax law passed in 2022. They can contribute up to $11,250 next year — an additional $3,750 in catch-up contributions — beyond the general 2025 deferral limit of $23,500, the Internal Revenue Service said. That means they can potentially contribute up to $34,750 in total to a workplace retirement account.This additional contribution — sometimes called an “enhanced” or “super” catch-up option — is available to workers ages 60, 61, 62 and 63. You’re eligible if you reach that age during the calendar year, said Dan Snyder, director of personal financial planning for the American Institute of Certified Public Accountants. (Once savers turn 64, they’re no longer eligible for the extra savings but can contribute the standard catch-up amount.)The idea is to give people who are nearing retirement age, but are behind in savings, the chance to accumulate more money for their post-work lives. “This is an opportunity to make up for mistakes from the past,” said David John, senior strategic policy adviser at the AARP Public Policy Institute, which focuses on issues relevant to older Americans.Getting Americans to save more for retirement is a concern as the population ages, especially as the number of companies offering pensions dwindles. The typical household headed by people ages 55 to 64 has just $10,000 saved in a retirement account, according to an analysis of federal data by the Economic Policy Institute and the Schwartz Center for Economic Policy Analysis.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Resultados electorales y la aguja del Times: esto es lo que necesitas saber

    Así te traeremos los últimos totales de votos y cálculos del resultado en las contiendas electorales.Llevamos meses preparándonos para informar sobre miles de contiendas federales, estatales y locales el día de las elecciones, entre otras cosas recopilando resultados y otros datos sobre el recuento de votos de los distritos electorales y condados de todo el país. Este año, un equipo de casi 100 periodistas, ingenieros, estadísticos, expertos en datos e investigadores del Times colaboran para ofrecer resultados actualizados al minuto, que se muestran en directo en nytimes.com con una completa gama de mapas y gráficos interactivos para que puedas ver lo que está ocurriendo en las contiendas más importantes de la noche.Esos datos también alimentan la aguja, nuestro modelo estadístico de la noche electoral, que calcula el resultado final basándose en los resultados parciales de las elecciones, ayudando a los lectores a entender qué pasa con los votos que se han contado hasta ahora.La publicación de la aguja en directo la noche electoral depende de sistemas informáticos mantenidos por ingenieros de toda la empresa, algunos de los cuales están actualmente en huelga. La forma en que mostremos nuestra previsión electoral dependerá de esos sistemas, así como de los datos que recibamos, y solo publicaremos una versión en directo de la aguja si estamos seguros de que esos sistemas son estables.Si no podemos transmitir los resultados de la aguja en directo, nuestros periodistas tienen previsto ejecutar su modelo estadístico periódicamente, examinar sus resultados y publicar actualizaciones en nuestro blog en directo sobre lo que vean, dando a nuestros lectores una idea de la situación real de la contienda a lo largo de la noche.Presentamos la aguja en 2016 y la hemos estado perfeccionando desde entonces. A continuación te explicamos cómo funciona:Preguntas sobre la aguja electoral y los datos que la alimentan¿Por qué tener la aguja?¿Cómo funciona la aguja?¿Cómo se lee la aguja?¿Utiliza la aguja Inteligencia Artificial?¿Cómo calcula el Times quién gana en cada contienda?¿De dónde proceden los datos de la aguja y qué tipo de datos recogemos?¿Qué tipo de contacto tenemos con los funcionarios electorales?¿Son frecuentes los errores de datos en la noche electoral? ¿Cómo se detectan y solucionan?¿Por qué a veces se tarda tanto en saber quién ha ganado?We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    How Caregivers for Dementia Patients Manage Mood and Personality Changes

    Shifts in behavior can be challenging to manage. Experts have five strategies that can help.Susan Hirsch was visiting her father in the hospital where he was recuperating after a fall and was shocked to find him — long devoted to her mother — flirting with a nurse as if he were “17 and in the Navy again,” she said.Ms. Hirsch, a 67-year-old memory care educator from Palmyra, Pa., scolded her father. But the admonishment only enraged the 93-year-old man; she recalled him saying, “in not nice words,” to get out of his room as she scuttled away.More than 11 million adults in the United States are caring for people diagnosed with Alzheimer’s and other forms of dementia. In addition to memory loss, most people with dementia will experience mood and behavior changes including aggression, apathy, disorientation, depression, wandering, impulsivity and delusions.Many caregivers describe mood and personality changes as the most upsetting symptoms. While antipsychotic and sedative medications are often used to manage dementia-related mood issues, they have limited efficacy.To get on top of — and feel less toppled by — mood changes, it’s helpful for caregivers to remember that those shifts are caused by changes in the brain, said Dr. Nathaniel Chin, a geriatrician and associate professor in the department of medicine at the University of Wisconsin-Madison.“They’re no one’s fault,” he said, and recognizing this can help you “feel less upset at your loved one.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Rest Days Are Good. Active Recovery Days Can Be Better.

    Low-impact, easy workouts can offer relief for sore muscles.Rest is an important piece of any exercise routine, and on some days all your body needs is a long lounge on the couch. But active recovery, which falls somewhere between a full rest day and a workout, can help your body bounce back more quickly.Research has found that low-impact movement, such as walking or swimming, can be more effective than rest for reducing muscle soreness after exercise. That may be why competitive and elite athletes have long incorporated active recovery into their training schedules, though there’s not enough evidence to say that it improves athletic performance.If you’re exercising regularly, doing something on a recovery day is often better than doing nothing, said J. Jay Dawes, a professor of applied exercise science at Oklahoma State University, especially if your goal is to reduce soreness between workouts. Light movement like walking can increase blood flow and circulation, and “literally as little as a stroll can be beneficial,” he said.Here’s how to use active recovery to your advantage, according to exercise scientists and coaches.Why is active recovery helpful?When you exercise, your body cycles between periods of stress and repair. Your muscles may be sore or tight after a hard workout, but with proper recovery that short-term soreness gives way to increased fitness.Recovery days — both active ones and full rest days — allow your body to repair your muscles and replenish its stores of energy, said Kate Baird, an exercise physiologist at the Hospital for Special Surgery in New York. Active recovery can provide some pain relief by reducing soreness, she added, and promote better mobility and range of motion.For anyone who follows a training schedule or exercises regularly, active recovery days can be mentally beneficial too, said Conrad Goeringer, who is an Ironman-certified coach and the founder of Working Triathlete, a coaching service. Continuing to move — however easily — can have a calming or meditative effect that full day of inactivity doesn’t always provide.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    What Exactly Is Eczema? Causes of Atopic Dermatitis and Treatment

    When Oscar Brann imagined retirement, he pictured days spent fishing with his grandson, or doing yardwork at his home in Skowhegan, Maine.But itchy and flaky red rashes appeared across his body a few years ago, making it excruciating to move, he said. The pain forced Mr. Brann, a 62-year-old former shoe manufacturer, to retire early. Instead of gardening in his backyard, he spent hours on the couch, trying to find relief.“The skin that came off my feet, it was just unbelievable,” Mr. Brann said. “I had to sweep my floor every day.”Mr. Brann, who still copes with the debilitating rashes, is one of millions of people with eczema, a broad term for a group of skin conditions that affects about 10 percent of the U.S. population. The most common form of eczema is atopic dermatitis, and the terms are often used interchangeably.The condition often crops up during childhood, experts said. And while some people outgrow it, atopic dermatitis can last into adulthood, or appear later in life.Sometimes, the rashes are an itchy nuisance that flare up once in a while. But that’s not always the case, said Dr. Brittany Craiglow, an adjunct associate professor of dermatology at the Yale School of Medicine. When it’s severe, “it can be dramatically life altering,” she said.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    How to Make Dinner Out of Pantry Ingredients

    Make those everyday staples anything but boring with these expert tips.It’s coming up on five years since the pandemic lockdown instigated our collective spate of panic-buying groceries. And I’m pleased to report that I’ve finally gotten through my bulk order of canned sardines.I ate those sardines on buttered toast (divine, with a squeeze of lemon, some sliced red onions, loads of black pepper), stirred them into chickpea salads and mashed them with sautéed garlic for quick pasta sauces. And if I wasn’t feeling sardine-ish, I also had a minor sea’s worth of tuna, salmon and anchovies rubbing fins with the canned beans and tomatoes, bags of rice, boxes of pasta and jars of tahini, preserves, pickles and chiles packed tight on every shelf. My pantry is comfortingly and reassuringly filled to the gills (and not just with gills).I know I’m not alone. Because if there’s one thing the pandemic underscored, it’s that having a well-stocked pantry goes beyond the convenience of fast, easy meals. All those pastas and beans bring peace of mind. No matter the havoc raging in the outside world — be it pandemics and hurricanes or just too much work to think about grocery shopping — there’s a grounding calm in knowing you always have something on hand to make into dinner tonight. Also inherent in pantry cooking is thrift. Cooking at home is already a money-saver compared with eating out or ordering in, especially when it’s based on an economical roster of beans, rice and pasta.All that said, pantry cooking is more than merely getting a meal on the table. Now that you’ve assembled all those ingredients, what are the best, most flavorful and appealing ways of using them both quickly and easily? After all, if you already don’t have the time or energy to shop, you might not have much in the reserves for cooking, either.As I’ve worked down my bulk orders, I’ve learned that finding ways to turn everyday staples into meals that sparkle isn’t hard, as long as you have the right ingredients on hand. Here are some of my best strategies, tips and shopping suggestions to making pantry meals with style.Color With CondimentsThink of your pantry staples as blank canvases, waiting for the Abstract Expressionism of your condiments. Stock up on bright, bold items that you know you love, and throw in a couple of new ones to play with. My palette includes chile crisp and chile paste, Dijon and whole-grain mustard, olive tapenade, red curry paste, several hot sauces, Indian pickles (lime, mango and mixed), red and green salsas, and I use them with an open hand. Adding a few spoonfuls of your favorite condiment to classic pantry recipes can transform them from workaday to wonderful.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Scared of the Dentist? Here’s How to Cope.

    Don’t skip appointments and risk your oral health. Try these strategies instead.For Hope Alcocer, the diagnosis was grim: 11 cavities. Inflamed gums. A tooth in need of a root canal.As the list of problems grew, so did her feelings of shame and fear. Shame that she had waited more than a decade to seek care. And fear because she could no longer avoid the dentist.Her anxiety stemmed from an experience as a teenager, when her dentist brushed aside her concerns that she wasn’t numb enough before filling a cavity.The pain made her want to jump out of the chair. “My pain was an 11 out of 10,” she said. “That’s how much it hurt.”Dental anxiety is a common problem. Studies of U.S. adults generally find that around 20 percent of respondents have moderate to high fear of dental care. The severity ranges from mild uneasiness to severe phobia and can be rooted in earlier negative experiences or traumas.The more fearful someone is, the more they postpone care, and the more likely they are to develop painful problems that require expensive or complex treatment, experts say.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More