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86% of high-risk retirees fail a crucial diversification test, raising concerns among financial experts

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✨ Read this awesome post from Investopedia | Expert Financial Advice and Markets News 📖 📂 Category: Retirement Planning,Personal Finance ✅ Main takeaway: Key takeaways In a recent survey of more than 1,000 investors, about 86% of high-risk retirees failed to meet the core asset diversification standard. Financial experts warn against relying too much on cash and bonds to avoid market risks, and instead recommend balancing cash, bonds, stocks and other investments for long-term growth. Dynamic withdrawal strategies and adjusting asset allocation are key to managing market risk in retirement. As retirement approaches, many investors shift their focus to reducing…

GitHub – steveyegge/beads: Beads – A memory upgrade for your coding agent

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🚀 Explore this trending post from Hacker News 📖 📂 Category: ✅ Main takeaway: Give your coding agent a memory upgrade 🎉 v0.20.1: Multi-Worker Support Unlocked! 🎉 Hash-based IDs eliminate merge conflicts and collision issues! Previous versions used sequential IDs (bd-1, bd-2, bd-3...) which caused frequent collisions when multiple agents or branches created issues concurrently. Version 0.20.1 switches to hash-based IDs (bd-a1b2, bd-f14c, bd-3e7a...) that are collision-resistant and merge-friendly. What's new: ✅ Multi-clone, multi-branch, multi-agent workflows now work reliablyWhat changed: Issue IDs are now short hashes instead of sequential numbersMigration: Run bd migrate to upgrade existing databases (optional - old…

Women’s World Cup 2035: Revamped Wrexham side Kay Ras part of UK bid

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✨ Explore this trending post from BBC Sport 📖 📂 Category: 📌 Main takeaway: Wrexham Caye Race Stadium is the world's oldest international football stadium still in use, having hosted Wales' first match in 1877.It has hosted senior men's and women's international matches in recent years, but will need to be expanded and modernized for use in the 2035 World Cup.“Wrexham are building a cup at the moment, but they will have plans to develop that further before 2035,” Mooney added.“I don't know the exact number, but I know it will be higher than what we need to host the…

‘We have to be able to ask tough questions’: Who actually took the famous napalm girl photo? | Documentaries

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✨ Explore this insightful post from Culture | The Guardian 📖 📂 Category: Documentary films,Vietnam war,Film,Netflix,Culture,Sundance film festival ✅ Main takeaway: IIt's one of the most iconic photographs of the 20th century: a naked girl—arms wide, face contorted, skin burned and peeling—runs toward the camera as she escapes a napalm attack in South Vietnam. To her right, a boy's face frozen in the mask of pain of Greek tragedy. To her left, two other Vietnamese children flee the bombed village of Trang Bang. Behind them was an indistinguishable group of soldiers, and behind them a wall of black smoke.Within hours…

Premier League and FPL team news: All your injury and Fantasy Premier League information in one place

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🔥 Discover this awesome post from BBC Sport 📖 📂 Category: 📌 Here’s what you’ll learn: Sunderland winger Romaine Mundel has recovered from a hamstring injury, but may not be part of the squad for Saturday's match, with manager Regis Le Bris saying: "We don't have to rush."Denis Cirkin and Leo Hjalde will be given more time to build their fitness after injury.Bournemouth are optimistic that top scorer Antoine Semenyu will be ready to return from an ankle injury.Justin Kluivert is also recovering well from injury and can train on Friday, but Ryan Christie will be out for at least…

6 Caribbean destinations where you can retire affordably

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🔥 Read this must-read post from Investopedia | Expert Financial Advice and Markets News 📖 📂 Category: Retirement Planning,Personal Finance ✅ Main takeaway: Key takeaways The Caribbean offers retirees stunning natural beauty, warm weather, and a relaxed lifestyle – often at a fraction of the cost of living in the United States. Saint Lucia and Grenada top most lists for their safety, natural beauty, and reasonable monthly budgets of $1,500 to $2,500. Budget-conscious retirees can live in Belize or the Dominican Republic for $1,500 to $2,000 per month, while St. Kitts, Nevis, and Antigua and Barbuda offer more upscale experiences…

How to use Linux vsock for fast VM communication

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🔥 Explore this insightful post from Hacker News 📖 📂 Category: 📌 Key idea: Follow @popovicu94 I’ve recently been experimenting with various ways to construct Linux VM images, but for these images to be practical, they need to interact with the outside world. At a minimum, they need to communicate with the host machine. vsock is a technology specifically designed with VMs in mind. It eliminates the need for a TCP/IP stack or network virtualization to enable communication with or between VMs. At the API level, it behaves like a standard socket but utilizes a specialized addressing scheme. In the…

Manchester United tickets: How Old Trafford tries to deal with hecklers

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🚀 Check out this trending post from BBC Sport 📖 📂 Category: ✅ Here’s what you’ll learn: Speaking to United staff earlier this month, the scale of the problem was revealed.In the past, a feature of Old Trafford matchday was the people lining Sir Matt Busby Road for a ticket sale. But the numbers dwindled.Now it is being circulated on Facebook or WhatsApp groups in a way that makes official identification difficult or impossible. Sneaking is very difficult.In minutes from a fan forum meeting in October, United said 2,000 tickets for the Premier League match with Chelsea on September 20…

Ikonika: Sad review – The new audio-led direction is a huge success for the Hyperdub veteran | music

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✨ Explore this must-read post from Culture | The Guardian 📖 📂 Category: Music,Culture,Electronic music 📌 Main takeaway: SThe announcement represents a complete revamp for Ikonika Producer, songwriter and singer also known as Sarah Chen. By putting their own vocals at the forefront of their music for the first time, Chen has become a charismatic and haunting pop presence. Sometimes, they play the role of a warm R&B singer (Listen to Your Heart); Other times, as on the tense, hypnotic Whatchureallywant, they're seductive and steely, dominating the dance floor over production that draws equally from South African bass and amapiano.Ikonika…

FPL gameweek 13 tips – Want to download Man City assets? FPL talking point

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🚀 Check out this insightful post from BBC Sport 📖 📂 Category: 📌 Main takeaway: Brass Singhal: Following a difficult match away to Newcastle, Manchester City are now on an excellent run of games that sees them play Leeds, Sunderland twice and West Ham in the next seven weeks. Their opponents this week, Leeds, have conceded 13 goals in their past six league matches and have failed to keep a clean sheet away from home in 2025-26.Erling Haaland is the obvious choice, and will likely captain the hat-trick for the next several weeks, but who else could we target?In defence,…