Although mortgage rates and housing prices are significant components of affordability there are other upfront costs homebuyers must be aware of A considerable portion of a home savings nest egg should be devoted to the down payment 🏦 🏡 Don't miss the move: SIGN UP for TheStreet's FREE daily newsletter 🏦 🏡 Closing costs can add up to tens of thousands of dollars putting homebuyers who haven't planned for the added cost in a financial bind Though it's possible to cover closing costs with loans adding another monthly payment to the list Dave Ramsey outlines how closing costs can quickly put buyers into debt and how the added expenses can derail the mortgage approval process making it more difficult to make mortgage payments Rising home prices and mortgage rates have increased the cost of homeownership in recent years Ensuring you have enough saved to cover the down payment and closing costs can help save money in the long run Image source: Acker/Bloomberg via Getty Images Dave Ramsey highlights why homebuying savings must factor in closing costsClosing costs include loan Freddie Mac estimates that average closing costs range between 2% and 5% of the home price. For the median U.S. home priced at $403,700 Those using a loan to pay for closing costs will find themselves in five figures of debt on top of the home they have just committed to paying off for decades.  As household debt continues to rise with the cost of living mounting monthly costs and late payments can eventually put your home at risk of foreclosure Ramsey explains why having enough savings to cover closing costs is crucial to starting homeownership on the right foot.  "Why is it so important to have enough cash saved up to cover closing costs? Because you don’t want to take on any extra debt at the end of the buying process," he said.  Many buyers don't consider the full cost of buying a home relying on loans and credit to help bridge the financial gap but digging themselves into a bigger financial hole in the process "That’s right — getting a second loan for closing costs is a big mistake it adds an extra payment on top of your house payment Talk about a recipe for financial stress!" In addition to tacking on an extra monthly loan payment taking out a loan to cover closing costs can derail the mortgage approval process Applying for a new line of credit temporarily decreases your credit score and the change could prompt your mortgage lender to delay your loan approval "Taking on extra debt while you’re closing changes your credit score which sends your mortgage approval back to the drawing board and delays the closing process," he continued Between the stress of taking on additional debt and delaying the closing process paying for closing costs with a new loan may be more trouble than it's worth Ramsey recommends factoring closing costs into your savings fund to avoid any homebuying hiccups.  By Caitlin Cahalan is a Personal Finance Writer at TheStreet Want TheStreet’s best daily stock and investing news right in your inbox every weekday Sign up today for our free newsletter and you'll receive an exclusive report explaining hedge fund guru Doug Kass' winning investment style and the biggest obstacle to a Miami Dolphins trade involving their Pro Bowl cornerback continues to be his contract It's not just about the Dolphins having to deal with the cap ramifications associated with a Ramsey trade it's about finding a trade partner willing to take on the veteran's contract And it may get to the point where the Dolphins will have no choice but to agree to pay some of that salary to facilitate a trade And while the circumstances are a bit different they Dolphins have done this before — with quarterback Ryan Tannehill in 2019 When the organization set out to execute a complete rebuilding project — way beyond a simple reset — one of the decisions the Dolphins made was moving forward without their 2012 first-round pick after seven seasons wasn't as simple as finding a team looking for a quarterback The Dolphins eventually were able to trade Tannehill to help get him off their books in 2020 which would have been the final year of a four-year extension he signed in 2016 the Dolphins agreed to pay him a $5 million signing bonus to push his cap number to $18.4 million for that 2019 season and got a measly return from the Tennessee Titans In exchange for Tannehill and a sixth-round pick the Dolphins got a 2020 fourth-round selection along with a seventh-round choice Ramsey is a lot more proven commodity as a player at this time than Tannehill was in 2019 but he's also older and actually is due to make more money than Tannehill was that year The Dolphins already have paid Ramsey a $4 million bonus this offseason and he's got $21 million more coming his way in 2025 which an acquiring team would fully absorb at this time barring an arrangement with Miami finding a team willing to do that might be difficult Los Angeles Rams head coach Sean McVay kind of suggested that when he spoke late last week about Ramsey and his potential interest in bringing him back to Southern California “He is a total stud,” McVay told Adam Schein of SiriusXM Mad Dog Radio “and you look at — obviously he has continued to play at a really high level He and I have kept in great touch even since we ended up trading him to Miami “And so there are a lot of layers when you’re talking about a player of his caliber the compensation that they would be looking for in exchange for receiving a player of his magnitude And so those conversations are ongoing as I’m sure they are with multiple teams but we’re never gonna shy away from opportunities to increase the competitiveness of our roster or add great players as long as it fits within the framework of everything that an acquisition like that would entail.” The Rams make perfect sense as a trade partner for the Dolphins because they have a need in the secondary reached the second round of the playoffs last season and have a quarterback (Matthew Stafford) who probably has only a couple of years left as it will be for any potential trade partner will be the trade compensation and Ramsey's salary with a team likely willing to give Miami more in exchange for Ramsey the more salary the Dolphins are willing to absorb The Rams have a little more than $18 million of effective cap space currently have a little under $11.7 million of effective cap space (includes space needed for draft class) and their 2025 cap clearly would benefit for any Ramsey trade occurring after June 1 the Dolphins would have to count $6.7 million for Ramsey as opposed to more than $25 million if they traded him before June 1 (though $18.4 million would go against the 2026 cap) Dolphins GM Chris Grier said there were discussions with other teams throughout the weekend about a Ramsey Grier said the Dolphins won't necessarily wait until after June 1 to consummate a deal even if that would make the cap hit less painful emphasizing he doesn't know when the right opportunity will surface was asked point blank about how he would describe his relationship with Ramsey and he sidestepped the question saying there was no purpose in talking about it and taking away attention from the draft picks The content on this site is for entertainment and educational purposes only Betting and gambling content is intended for individuals 21+ and is based on individual commentators' opinions and not that of Sports Illustrated or its affiliates All picks and predictions are suggestions only and not a guarantee of success or profit If you or someone you know has a gambling problem crisis counseling and referral services can be accessed by calling 1-800-GAMBLER No deal has come together yet despite the Dolphins calling teams in an attempt to move Ramsey and there’s likely a reason for that Jeremy Fowler of ESPN provided an update on "SportsCenter" Sunday saying the Dolphins’ reluctance to pay some of Ramsey’s guarantees has been a “sticking point.” Fowler also noted that the Rams are “certainly” a team to watch in the Ramsey sweepstakes as they consider a move to reacquire the star corner "The sticking point here is that $24 million in guarantees,” Fowler reported “My sense after asking around is Miami has not been overly eager to cover some of that bill which sort of makes a trade hard to pull off right now Fowler says Ramsey wants to play for a contender, a box the Rams definitely check. There’s no denying Los Angeles’ interest, with Sean McVay saying last week that “conversations are ongoing,” and we can assume Ramsey would be open to a return to the Rams It would probably only take a mid-round pick to get a deal done for Ramsey but as Fowler reported it’s the contract that’s causing a delay in any potential trade NFL Network Insider Mike Garafolo reporting the Miami Dolphins and cornerback Jalen Ramsey mutually agree to explore a trade The 2025 NFL Draft has come and gone, and Jalen Ramsey remains a Miami Dolphin. With several possible landing spots for the veteran cornerback still available a reunion with the Los Angeles Rams isn't off the table "There's not too much of an update," McVay said, via Rams Wire. "He is a total stud obviously he has continued to play at a really high level "There are a lot of layers when you're talking about a player of his caliber with regards to the contract but we're never going to shy away from opportunities to increase the competitiveness of our roster or add great players as long as it fits within the framework of everything that an acquisition like that would entail." didn't use a pick on a corner during the 2025 NFL Draft there is little rush to get a deal done at this stage -- waiting until after June 1 would allow Miami to split some of the cap hit The big question in moving Ramsey will be how much money the Dolphins will have to eat in a deal and what the draft compensation will look like The San Francisco 49ers overhauled the roster this offseason at least there seems to be less drama this offseason Chargers coach Jim Harbaugh arose one morning with a clear goal of getting quarterback Justin Herbert into Canton There is a lot of work to be done to realize that dream Former New York Jets and Cleveland Browns receiver Elijah Moore has played with a trove of quarterbacks in his four-year career The Las Vegas Raiders drafted Montana State's Tommy Mellott in the sixth round of the 2025 NFL Draft The plan is to use the rookie in a variety of ways The Baltimore Ravens on Monday released veteran kicker Justin Tucker who currently is the subject of an NFL investigation into allegations of improper conduct during massage therapy sessions Matthew Stafford and the Los Angeles Rams finalized terms on a pact that pays the Super Bowl-winning quarterback $44 million for the 2025 season NFL Network Insider Ian Rapoport reported on Monday NFL.com keeps you up to date with all of the latest league news from around the NFL Visit NFL.com's transaction hub for a daily breakdown Julian Edelman's place in Patriots history will be officially immortalized in 2025 The longtime New England receiver has been voted into the Patriots' Hall of Fame by fans as its 37th inductee Cleveland Browns linebacker Devin Bush was arrested Sunday on simple assault and harassment charges in Pennsylvania The 26-year old was arrested in Bell Acres in Allegheny County Seattle Seahawks third-round quarterback Jalen Milroe entered the NFL with an enticing athletic profile but lingering questions about his accuracy as a passer It's something the rookie is already out to correct The Baltimore Ravens drafted kicker Tyler Loop in the sixth round of the 2025 NFL Draft Longtime kicker Justin Tucker is under investigation for potential improper conduct In the fourth episode of Season 2, Ellie (Bella Ramsey) plays a tune right out of the game in what's sure to be a moving moment for fans familiar with the TV show's source material Music is a crucial link between Ellie and Joel (Pedro Pascal) in The Last of Us, in life and after his death Joel gave Ellie the butterfly-necked guitar and was restringing it for her before he died The song Ellie picks to play is the same one as in The Last of Us Part II when you play the chords yourself (this feature of the second game is a polarising one) Ramsey performs the song in the show in much the same style as Johnson does in the game with both scenes showing Dina listening with shining eyes to Ellie's rendition Ellie actually starts to play Pearl Jam's "Future Days" a song Joel plays to Ellie at the beginning of The Last of Us Part II when he gives her a guitar and a song that's become synonymous with the franchise for fans The thing is, you could completely miss this cutscene in the game if you don't investigate the guitar room. It's not part of the main storyline, but instead it's more of a private side moment for Ellie, who is still grieving the loss of her guitar-teaching father Joel who is becoming more aware of her feelings for Ellie — you try watching someone you might like playing music live and not falling head over heels But it's particularly poignant because of A-ha's lyrics which match The Last of Us' glimmer of hope for our protagonist "Needless to say / I'm odds and ends / But I'll be stumblin' away / Slowly learnin' that life is OK." Watching The Last of Us and want to play the games? Here's how The young British actor is brilliant in the hit post-apocalyptic drama, but some have claimed they’re an odd fit for the character of jaded teen survivalist Ellie. That might be the case, writes Louis Chilton – but I would like to be emailed about offers, events and updates from The Independent. Read our Privacy notice it was a surprise – a commendably left-field choice in defiance of many fans braying for more established actors would subsequently join the series as her emergent nemesis.) Over the course of the first season Ramsey won over all but the most virulent doubters and no small amount of depth to the role of 14-year-old apocalypse survivor Ellie This has never, to date, been more evident than in the fourth episode of The Last of Us’s second season, which premiered last night. At this point, Ellie, grieving the death of her father figure Joel (Pedro Pascal), has set out to avenge his murder, with another young woman, Dina (Isabela Merced) in tow. Where Ellie’s brief Joel-less plotline in season one had a kind of unmoored, child-in-peril urgency to it, now she exists in a world of adult independence and responsibilities. As if to hammer this home, the episode ends with Dina revealing to Ellie that she’s pregnant. “Holy s***,” Ellie says. “I’m gonna be a dad.” It’s a neat and memorable line of dialogue – with the switching of gender making explicit the echoes of Ellie’s own pseudo-parental relationship with Joel. But it’s striking how young Ellie seems in this scene, how strange it seems to hear words like this emerge from her mouth. In other words, Ramsey’s performance in the series isn’t a failure of casting – but the criticisms of it speak to a failure of interpretation. It’s facile to ask whether Ramsey was miscast. Better to ask just who, exactly, they were cast as. And the answer to that question is still unfolding. 'The Last of Us' can be streamed in the UK on Sky and NOW, with new episodes arriving every Monday Join thought-provoking conversations, follow other Independent readers and see their replies but some have claimed they’re an odd fit for the character of jaded teen survivalist Ellie The NFL has no real offseason (other than perhaps a few weeks from mid-June to mid-July) because it always has something cooking And it also has the promise of that drama seemingly waiting just offstage we're in the just offstage part of our program USA; Atlanta Falcons quarterback Kirk Cousins (18) throws a pass against the Minnesota Vikings during the second quarter at U.S Mandatory Credit: Jeffrey Becker-Imagn Images The NFL has promised us a handful of substantive moves over the past few weeks that have not yet manifested we're kind of getting a little antsy over here.  The Jalen Ramsey trade The resolution to the Trey Hendrickson drama the big moves Jerry Jones promised by the Dallas Cowboys.  Let's start with the Cowboys and Jones telling reporters after the team's pre-draft press conference that he was working on "pretty substantive trades" that he had been calling or taking calls about prior to the draft Dallas Cowboys owner Jerry Jones talks with fans before the Cowboys play the Detroit Lions at AT&T Stadium on October 13 Jones added the deals could come before or after the draft suggesting he wasn't talking about routine trade-up or trade-down scenarios within the selection process almost two weeks later and … nothing Which reminds of last offseason when Jones promised the Cowboys were "all in" for 2024 and got everyone excited about what he and the Cowboys were about to do in the offseason to compete in "all in" fashion And then he did … nothing of "all in" note other than what everyone expected – which was re-signing quarterback Dak Prescott and receiver CeeDee Lamb One meaty trade we know is coming involves the departure of cornerback Jalen Ramsey from the Dolphins We know this is coming because sources have told OutKick the relationship between the perennial Pro Bowl player and coach Mike McDaniel is irreversibly broken Ramsey wants to play for a winner and one of his preferences is to return to the Los Angeles Rams And the Rams have been trying to bring him back although the problem is they don't love the idea of paying any significant portion of the $24.2 million in guaranteed money Ramsey is owed this year "He is a total stud," McVay told Sirius XM's Mad Dog radio last week He and I have kept in great touch even since we ended up trading him to Miami." So Ramsey's relationship with McVay obviously is much better than his with McDaniel McVay said conversations about Ramsey are ongoing But this doesn't limit the Dolphins to speaking with only the Rams.  They have been working (at their pace) to see if other teams Ramsey would be open to joining are also interested.  And the timeline here likely extends past June 1 but before June 10 The reasons the Dolphins prefer to wait until after June 1 is they can significantly lower the dead money left by the trade over the next four years while also saving approximately $9.9 million on their 2025 salary cap But the club probably needs to avoid keeping Ramsey on the roster when mandatory minicamp opens June 10 Letting the situation bleed past that date sets the Dolphins up for the awkward look of keeping Ramsey away from camp while still having to answer questions about the situation – including why McDaniel couldn't repair the relationship with Ramsey – rather than focus on the players present Cousins Keeping It AmicableThe Cousins situation in Atlanta isn't adversarial although Cousins has made it clear he wishes to be on a team where he has a chance to compete for the starting job – a situation unavailable in Atlanta because Michael Penix Jr Cousins reported for the club's voluntary offseason workouts two weeks ago but made the statement he wants his departure to be amicable The search involves finding a team willing to foot some of the guaranteed monies owed Cousins – which is damage the Falcons want to mitigate in the trade The Browns, whose head coach Kevin Stefanski was the offensive coordinator for Cousins in Minnesota, became an unlikely spot when they signed Joe Flacco and much less so when they drafted both Dillon Gabriel and Shedeur Sanders McCarthy (9) under center against the Las Vegas Raiders in the third quarter at U.S Mandatory Credit: Brad Rempel-USA TODAY Sports The Vikings traded for Sam Howell during the draft and apparently remain committed to J.J. McCarthy as their starter. It seems the only logical landing spot for Cousins is if Aaron Rodgers decides to retire leaving the Pittsburgh Steelers perhaps looking toward Cousins That's not a certainty either way because Rodgers has so far stuck to his "open to everything and attached to nothing" outlook The Steelers remain hopeful Rodgers is eventually going to sign with them. there's Trey Hendrickson's ongoing saga with the Cincinnati Bengals First he wanted to be traded (for the second consecutive year) because of his contract which he said doesn't pay him like the NFL's sack leader the past two seasons – a true statement OH - JANUARY 07: Cincinnati Bengals defensive end Trey Hendrickson (91) reacts during the game against the Cleveland Browns and the Cincinnati Bengals on January 7 (Photo by Ian Johnson/Icon Sportswire via Getty Images) Then the Bengals made it clear Hendrickson was a priority That bright outlook faded amid limited to no contract negotiations for weeks Multiple NFL sources have speculated Hendrickson won't end up as the highest-paid edge rusher but he should expect to be in the top five which would mean a raise of around $12-13 million per season on an annual average basis Hendrickson is currently the 11th highest paid edge rusher in the NFL, averaging $21 million per season. Written by Armando Salguero is a national award-winning columnist and is OutKick's Senior NFL Writer He has covered the NFL since 1990 and is a selector for the Pro Football Hall of Fame and a voter for the Associated Press All-Pro Team and Awards Palm Beach Post and ESPN as a national reporter He has also hosted morning drive radio shows in South Florida You are agreeing to OutKick's Terms of Use and Privacy Policy DISCLAIMER: This site is 100% for entertainment purposes only and does not involve real money betting. Gambling related content is not intended for anyone under the age of 21. If you or someone you know has a gambling problem and wants help, call 1-800-GAMBLER. Wales captain Aaron Ramsey is one of three men to have managed Cardiff this season Aaron Ramsey admits he does not know what his future holds after his three-match spell as Cardiff City caretaker manager came to an end The Bluebirds lost 4-2 at Norwich City on Saturday in their final match of the Championship season who is still registered as a Cardiff player but is currently injured took charge last month after Omer Riza was sacked has previously said he wants to continue playing next season but the midfielder's contract with the Welsh club expires this summer There are still a few things I need to sort out and have a think about over the coming weeks," said Ramsey Norwich thrash relegated Cardiff's 10 men Ramsey calls for 'quick' Cardiff manager appointment The former Arsenal and Juventus midfielder added: "But I love being in this role I think the players have really bought into it It's been a real joy to be in this role The defeat at Norwich was Ramsey's first in charge having overseen two draws Relegation was all but inevitable by the time he had been handed the reins with predecessors Riza and Erol Bulut both sacked over the course of a dire season Plenty have tipped Ramsey for a bright future in coaching And although Ramsey has shown promise during his short time at the helm with Cardiff he still wants to play and has previously said he intends to continue long enough to represent Wales at the 2026 World Cup should they qualify While appearing to distance himself from becoming Cardiff manager for the time being Ramsey has also said he wants the club to appoint the next boss quickly "I'm sure those discussions will come," he added "This club has so much potential and this is a step back for it to go on two or three "It's been a good two weeks even though there's the massive disappointment in going down Champions League semi-final updates: Calafiori back for Arsenal; Dembele returns for PSG Stunning stats and 'Ronaldo behaviour' - is Yamal cut out to rival Messi PSG's Dembele fit for second leg against Arsenal A gritty crime saga set in Liverpool starring Sean Bean Stacey Dooley explores Britain’s shoplifting epidemic Who has made Troy's Premier League team of the week Is the risk that Mercedes took with Antonelli paying off Trailblazer Zhao set to take snooker to 'another level' in China 'Calamity keeper' or 'human wall' - which Donnarumma will Arsenal face Zhao beats Williams in historic final - highlights VideoZhao beats Williams in historic final - highlights Alexander-Arnold leaves as modern Liverpool great - but fans will feel hurt 'Scheffler and DeChambeau wins further raise US PGA excitement levels' Match-fixing scandal to Crucible champion - fall and rise of Zhao 'We need to take a look at ourselves' - Arsenal stalling at wrong time Europa League 'papering over cracks' for Man Utd - Rooney VideoEuropa League 'papering over cracks' for Man Utd - Rooney Ask Me Anything the new BBC Sport service designed to serve you Bayern's 'James Bond' - how Kane clinched his first trophy Nine bolters with a shot of making the Lions squad How 'absolutely outstanding' Palmer 'destroyed' Liverpool VideoHow 'absolutely outstanding' Palmer 'destroyed' Liverpool Solskjaer on Besiktas Saints 'punch' favourites Leinster in game for the ages VideoVardy the best £1m ever spent - Shearer Poppy's tears Elton John & Happy Gilmore - McIlroy on Jimmy Fallon show Copyright © 2025 BBC. 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A 19-year-old Calum Chambers makes his Arsenal debut at centre-back in a 3-0 victory over Manchester City to win the Community Shield protected by 22-year-old Jack Wilshere and 24-year-old Aaron Ramsey The day the future moved beyond the rear view mirror as 30-year-old Chambers is shown a straight red card after 16 minutes and has to solemnly trudge past those same two former team-mates It is poetic that the careers of Wilshere and Ramsey came full circle in what felt like an East Anglian time warp It marked 17 years since their paths first intertwined when they made their Arsenal debuts within two minutes of each other during a 4-0 win over Blackburn Rovers in September 2008 They went on to play together 101 times over a decade at Arsenal and appeared in consecutive FA Cup final victories together in 2014 and 2015 — last month they were appointed as interim head coaches of Norwich City and Cardiff City Judging by how they beamed about their dugout experience after Norwich’s 4-2 win over Cardiff in a narrative timing only football can produce the coaching bug bit them strongly on the same day Norwich against Cardiff — the home side eight places below the play-offs and the visitors already consigned to League One — was the biggest dead rubber going on the final day of the Championship season But this game carried meaning for the two men on the touchline and could be what spawns the next two Wenger disciples after Mikel Arteta who was the other man in midfield at Wembley in 2014 this was his second and last audition to lay a claim for the permanent job at Norwich in front of sporting director Ben Knapper who brought him to the club as first-team coach in October after working with him at Arsenal as loans manager That is why Wilshere was animated on the touchline barking at his players to continue pressing even when ahead It felt like he wanted a statement win to underline his credentials after Johannes Hoff Thorup was sacked after a year in charge Come the Norwich squad’s lap of honour at full time sections of Carrow Road were signing “Wilshere’s at the wheel” after taking four points from his two games who has been club captain since returning to his boyhood club in 2023 the game had appeared to be more about pride and attempting to end his three-game reign in charge unbeaten than personal ambition The romantic swansong at the club where his career started has not gone to plan but he ruled out the prospect of being a player-manager and stated his focus was on recovering from injury Norwich were 3-0 up and had hit the woodwork twice All this despite Cardiff having the first three shots of the game and Ramsey applauding with his arms above his head at some of the build-up play his side had produced Cardiff’s 10 men started plodding like they had been playing for 23 years Ramsey has not done his coaching badges yet but he remained a picture of calm on the sidelines some of whom came dressed as bananas and hot dogs decided that the only way to salvage the nine-hour round trip was to employ gallows humour and wildly celebrate their team conceding and fire beach balls in the air Ramsey managed to rally his team to win the second half and after leading his players over to the far corner “I have loved every minute of it,” Ramsey said There are no guarantees either way but I’ve enjoyed it and I see myself out there in the future.” Ramsey believed that he had “reconnected” the fans with the team and given them something they can buy into for next season Ramsey’s straight batting gradually loosened and when asked if he wants to be the man who brings his club back up “I feel a responsibility to try to align everyone again I’m a fan as well and I realise exactly the things that they have been going through and the questions they have But I am definitely open to grabbing this and realigning everything He is still the captain of club and country but has made six Championship starts this season It has been a common tale since leaving Arsenal in the summer of 2019 as he has played only 7,172 minutes — the equivalent of just 80 full games His free transfer to Juventus was interrupted by injuries a six-month loan at Rangers ended with him missing the decisive penalty in the Europa League final shootout while his single season in France with Nice and two seasons back at Cardiff have been littered by injuries Having seen Gareth Bale retire two years ago and Swansea City midfielder Joe Allen announce his retirement on Friday at 35 does he have the hunger to keep coming back “I had the operation to repair my hamstring but I needed that regardless,” he said There are a lot of variables between now and being at the World Cup so that is going to be taken into consideration as well It’s all I’ve ever known but having this little couple of weeks doing this and seeing the impact has given me something to consider.” There is no better person to empathise with injury struggles how difficult it is to end a playing career sooner than planned or what it is like to transition into coaching than Wilshere Persistent ankle and muscle injuries meant he made just 51 appearances in his final four seasons before he was forced to retire in July 2022 at the age of just 30 “It is tough because it is all you know,” said Wilshere who took up a role as Arsenal’s under-18 coach days after and helped develop Myles Lewis-Skelly and Ethan Nwaneri it happened over a two-year period and I was trying to hold on a little bit more when I knew my ankle wasn’t in a good place “I know Aaron has picked up an injury now and muscle injuries in the past and I know Aaron has got it as he wouldn’t have had the career he’s had if he didn’t is the hunger to try to learn something different like coaching and how to do it “I remember the first six or seven months at Arsenal It was like 13 and 14-hour days just trying to sit back and work everything out “Aaron’s journey might be different where he has to step straight into the first team but he will develop a lot because of his mentality.” Wilshere said he was aware of not allowing it to become all about the sub-plot on the touchline Onel Hernandez and Jacob Sorensen were playing their final game for the club after a combined 489 appearances nor engage in anything more than a standard handshake before kick-off with Ramsey The sartorial stakes were high but it may have been a score draw with Wilshere’s choice of light-grey hybrid of tracksuit and chino competing with Ramsey’s more relaxed navy and grey T-shirt look which confirmed that he is definitely still on a player’s diet “I saw him when we met the ref before the game and that was a strange moment,” Wilshere laughed “His head must be all over the place but he looked comfortable on the side I know it didn’t quite work out the way they want but he got a reaction “Even if Aaron goes on to play next season this little spell will help him massively when he does go into coaching I’ve got massive respect for him for taking this on.” Wilshere is not sure what the process of appointment a permanent manager will be but he has spent the last two years assembling a future backroom staff for when he did become a No 1 an ambition he made clear to Norwich when he arrived six months ago I need a few days to take a breath — it’s been intense,” said Wilshere “Chucking a marathon (Wilshere ran in London) in the middle of that probably didn’t help things “It’s happened sooner than I would have thought but I didn’t want to take that step into first-team football until I thought I was ready to make an impact I’ve been a player and when you’re not quite sure about a coach or he’s not quite confident enough to learn how to coach because it’s a completely different skill and try and develop my way of playing I feel like I’m ready to make an impact at this level.” Having endured deep lows with Ramsey’s horrific leg break and Wilshere’s chronic ankle problems the pair could have fallen out of love with the game Wilshere accepted time was up three years ago Ramsey may yet defy Father Time for another year or so if he believes he can captain Wales to the 2026 World Cup in the US It is up to Norwich and Cardiff whether they want to ignite their managerial careers Merced not only opened up about the show’s LGBTQ+ representation but what it felt for her to be able to embody a queer character Bella and I were just so comfortable with each other we both have experience in queer relationships — you can just tell when a girl hasn’t kissed a girl before Merced also said that she and Ramsey “added some kisses that weren’t in the original script” and just “based off of our comfortability with each other.” When speaking about playing a queer character from a major video game series Variety also asked Merced what it meant to her as a queer actor to see such a powerful genuine and heartfelt representation of a queer relationship on the show But for it to mean so much to me personally is great and grand.” “That’s what was so cool about the game and the source material: It was really ahead of its time although we have to thank a lot of the lesbian love story to Halley Gross who was brought in for the second game and really was an advocate for Ellie and Dina’s relationship and really took lead when it came to the physicality and the romance of it,” Merced said Gross has previously spoken about the relationship between Dina and Ellie while doing press for The Last of Us Part II the video game sequel that serves as the basis of the second season of the hit HBO show “Ellie is the badass bitch who can do anything,” Gross told the Los Angeles Times I think you want to see opposites that can exist in harmony within a person Get the best of what’s queer. 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A website dedicated to all things film-related This year’s 12th edition of the Scary Movies festival at Film at Lincoln Center premiered Ari Aster’s extended version of “Midsommar” this past Saturday Deadline confirmed Baz Luhrmann’s next film would be titled “Jehanne d’Arc,” which was the original French name of Joan of Arc Warner Bros are set to handle distribution Casting for the movie is currently in progress Daniel RPK is reporting that Bella Ramsey has been offered and is interested in the lead role of Joan of Arc Ramsey is of course known for HBO’s “The “Last of Us,” and “Game of Thrones.” Luhrmann’s film is being called “an epic story about Joan of Arc the young French peasant who believed God had sent her to lead an army She believed she would save her country during the Hundred Years War Joan of Arc’s story has appeared in numerous film adaptations though Carl Theodor Dreyer’s “The Passion of Joan of Arc,” featuring Maria Falconetti’s all-timer performance is widely regarded as the most powerful portrayal have also brought Joan’s story to the big screen I haven’t heard of a production start date for “Jehanne d’Arc,” but Luhrmann had been scouting locations as early as this year Luhrmann’s most recent film was the 2022 Oscar-nominated film “Elvis,” which I described as a “pop-art fever dream” dominated by Luhrmann’s usual fast cuts and Austin Butler’s strong lead performance Luhrmann’s filmography also includes “The Great Gatsby,” “Romeo + Juliet,” and “Strictly Ballroom.” Over the span of 33 years he released a director’s cut of his 2008 film “Australia,” via Hulu streaming reimagined as a six-episode series titled “Faraway Downs.” Despite the new format critics responded with reviews similar to those for the original theatrical release Advertise Donate Privacy Policy Please enable JS and disable any ad blocker ShareSaveCommentInnovationGaming‘The Last Of Us’ Season 2, Episode 4 Recap And Review: So Much For Happy Proud Rainbow TownByErik Kain Forbes contributors publish independent expert analyses and insights entertainment & culture.Follow AuthorMay 04 Season 2 of The Last Of Us has been a bit of a mixed bag so far with some really gripping moments and some odd choices that got the season off to a wobbly start I’m pleased to say that it’s finally found its footing in the fourth episode I’ve had many complaints about the casting in this show and like many others have worried about Bella Ramsey’s ability to play an older The Season 2 premiere really had me worried though I still blame odd writing choices more than Ramsey reckless and obnoxious teenager rather than the older version of the character she ought to be by now it appears the writers were doing exactly what I suspected: Making Ellie act that way so that her change following Joel’s death would be more obvious I still think we could have done without that degree of contrast but at least we’ve gotten to a point where the show’s version of Ellie is more in line with the game the show is based on The scene that really won me over this episode is taken straight from the game Ellie finds a guitar in a music shop that her and Dina come to tunes it up and begins playing Take On Me by a-ha Dina’s reaction – at first happily listening in before wiping away tears – really nailed the tone down I’ve often described the video game as overly bleak but I sometimes forget that it also had these really terrific character moments Little pockets of beauty to give us a breather from all the horror and one thing I’ve really enjoyed about this season compared to the first is the doubling-down on the sheer number of infected our heroes encounter The Battle Of Jackson certainly had plenty intense scene in the Seattle subway as Ellie and Dina run first from the Wolves and then from a horde of zombies Ellie ends up saving Dina as they try to push through a jammed turnstyle by thrusting her arm into an infected’s mouth having never revealed her immunity to Dina this leads to some tense moments where it looks as though Dina might shoot her on the spot Ellie is forced to tell her the truth at this point and when Dina has no choice but to accept it she makes her own confession: She’s pregnant with Jesse’s baby She was throwing up a lot and it was pretty obvious that she found a pregnancy test at the beginning of the episode Ellie is understandably worried about her and tells her she doesn’t have to come with her to find Abby The two end up making out after these revelations I found this a bit awkward only because Ramsey still looks like she’s fourteen it’s nice to see these two find some happiness and release in such dire straits The Wolves and the Scars are killing each other left and right as the two ride through Seattle they notice some rainbow flags “Why are there so many rainbows?” Dina asks since neither of them know the LGBTQ symbolism they represent when they find a bunch of dead FEDRA soldiers Ellie quips: “So much for happy proud town.” I got a good chuckle out of that This is a show that very much needs all the comic relief it can scrape together the factions are also what bother me the most right now They were a rebel force fighting against FEDRA earlier in the apocalypse and in many ways they’ve become the very thing they once hated Isaac – played by Westworld alum Jeffrey Wright – who was once a FEDRA commander until he turned on his own men we see him torturing and interrogating a Scar fanatic burning his flesh away with hot copper pans because Wolves are joining the Seraphite cult every day They fight with knives and bows and arrows They don’t use electricity or modern technology if you go up against a force with machine guns you’re going to lose History is littered with such confrontations the war provides some extra layers of conflict for our heroes to navigate as they search for Abby Speaking of Abby (Kaitlyn Dever) we still haven’t seen her or her pals since Episode 2 The big question I have is whether we’ll see her at all until the finale and whether that means Season 3 will follow the same route as the video game That seems more and more likely given the time we have left in the season this was a very strong episode which definitely helped deepen the chemistry and dynamic between the two main characters and gave us some really great zombie action (I know they’re not actually zombies but they may as well be) The musical moment was by far my favorite and gives me hope that other big musical bits from the game will appear later on in flashbacks Here’s my video review: I'm coining a new phrase in financial planning I'm calling it “Debt-free — but still haven’t paid off the note.” This occurs when a client reaches the point where their investable assets — excluding real estate — are equal to or greater than their total debt A client reached this milestone just this last month The total of these is about $300,000 but her investable assets are now $360,000 She is debt-free but has simply chosen not to pay off the debts The reason for not paying off the debts is because the cost of that debt is much lower than what her investments make Her mortgage is 2.7% and her student loans are 5.45% Her investment portfolio has been making 8.9% “You could pay off all of your debts and free up some substantial monthly cash flow She is making 3.45% per year more than her college debt and 6.2% more than her mortgage This is called using other people’s money and in the modern economy it works very well Dave Ramsey continues to fill the airwaves and social media telling people this is not good He quotes biblical references about debt being a form of slavery he uses guilt to make people conform to his way of thinking so that he can make a buck The Ramsey way is to pay off all debt and be debt free before starting any savings All debt is bad and must be eliminated as soon as possible When listening to his podcast he comes across very harshly and unempathetic to people who are struggling and trying to lift themselves up I had a young couple (21 and 22) recently married Still going to school and the other in an apprenticeship program for a trade A car note and a credit card that was used when they had an unexpected expense I counseled them to build up a savings emergency fund equal to three months of income before paying more than the minimum payments on their debt Once that emergency fund is in place then they can begin an aggressive repayment of the debts I encouraged them that what they were doing on their education to earn more money was the way to go Their guilt and shame that they had when they came into my office to meet about their debt was a surprise to me they brought up that they had been listening to Dave Ramsey and felt they were way behind I assured them they were on a good path and that they would be financially successful very soon They don’t qualify as clients for our firm but I enjoy so much helping young people get on the right path they may become clients for our firm in the future My point of this story is that I believe people are unaware of the harm Mr The Bible is a great text in the Christian religion to seek God and how we should treat our fellow man Ancient writings from an agrarian economy before currency was in regular use are not the place to seek advice on the modern economy I’m not sure people understand that Dave Ramsey operates under an exception to the Investment Advisors Act of 1940 His exception is for publishers of financial publications and he sells leads from his broadcasts and seminars to financial advisers There is nothing wrong with how Dave Ramsey operates Some of his advice is absolutely correct — like living within your means his advice begins to do more harm than good individual advice a person cannot go wrong seeking out a Certified Financial Planner™ with the CFP® marks beside their name With something as important as your family’s financial future Wes Shannon CFP® is a Certified Financial Planning Professional for Brazos Wealth Advisors in Fort Worth Hi Alain do you think the RBs will be able to run with this OL I think there’s absolutely reason to believe that James Daniels and Jonah Savaiinaea will be upgrades at guard and help the Dolphins in short-yardage running situations and with Alexander Mattison and/or rookie Ollie Gordon II the Dolphins have the big back that was missing last season I don’t know that the Dolphins will become a great short-yardage running team As always I'm grateful for you and the time you take for fans Do you feel the D-Line can be disruptive enough to mask our weak secondary what do you think will realistically be the end result with Ramsey Bonus: Axl Rose or Freddie Mercury for greatest vocal range It’s the pass rush that needs to be disruptive And the question mark there is whether Phillips and Chubb can regain their pre-injury form The end result with Ramsey will be a trade Say over the past 10 drafts what percent of Fins draftees ended up playing anywhere in the NFL the Dolphins drafted 69 players and all but four of them have played at least one regular season game in the NFL The four who haven’t are 2015 fifth-round safety Cedric Thompson 2016 seventh-round quarterback Brandon Doughty 2021 seventh-round running back Gerrid Doaks and 2024 seventh-round wide receiver Tahj Washington give us some trade options for CB… Know there are some unhappy guys looking for trade the first name that jumps out is Jaire Alexander of the Green Bay Packers though the latest reports indicate that situation has cooled and he could be back there in 2025 He's the only one who comes to mind right now would the two you choose be a better solution than any CB Fins would have drafted after RD1 I’d go with Douglas and Samuel provided Samuel’s shoulder checks out As for whether that’s better than anybody the Dolphins could have gotten after Round 1 it depends on whether Will Johnson and Benjamin Morrison hold up physically because they’re both high-end cornerback prospects who lasted until Round 2 because of durability concerns Is Cheetah gonna return punts this year .. my best guess is that Tyreek will return punts in selected situations It’s how he’s been used since he got to Miami and I see no reason that should change Everyone is saying that MM is the reason Ramsey wants out of Miami based on Ramsey’s history; he does not stick around long with teams Did all those other coaches cause him to leave their team Ramsey left Jacksonville as the result of conflict with some Jaguars front office officials and then the Rams traded him to shed salary at a time when Ramsey also wanted a new contract Chris Grier said it wasn’t contract-related and there’s no way to believe it would be because the Dolphins just gave him a contract and they also can’t really ask him to take a pay cut considering his 2025 salary is guaranteed You think we'll ever know the truth about the blow-up between McD and Ramsey as to whether the specific details will come out I could see coming out through unnamed sources the Maple Leafs last won the Stanley Cup in 1967 six years before the Dolphins had their last Super Bowl title The Maple Leafs will face the Florida Panthers now in the second round of the NHL Playoffs this year I do think they’re closer right now to a title than the Dolphins Tyreek Hill’s production fell off a cliff last year and so did the Dolphins offense as a whole Do you expect any changes in this year’s offensive philosophy I really don’t expect major changes because the offense did hum pretty good in 2023 and that’s where the Dolphins would like to return At their best since McDaniel took over as head coach Tyreek Hill was the central focus of the offense and he’s what (more than anything) made the Dolphins offense really dangerous at its peak there’s a chance the Dolphins could have been an 11-win team What do you think the Dolphins have to do to eliminate “unforced errors” & is there any phase of the game where they’re most prevalent it’s a dangerous game to play what you’re doing because they also easily could have lost against Jacksonville in the opener the defense failed to rise to the occasion against the Cardinals and Bills and there were costly fumbles against the Colts and Bills The bottom line is there was a thin line between winning and losing in several games Can someone ask coach directly not Frank Smith’s-vague response last year about using a more physical big body grouping with 6-7 O-line players on short yardage and everyone knowing it yet still doing it to prove the point of physicality the question to Smith couldn’t have been more pointed when he was asked why the Dolphins never use a sixth offensive lineman in short-yardage situations and his answer simply was that it’s just not something the Dolphins do I’d doubt McDaniel would offer a very different answer Do you think Ramsey will have a change of heart now after the draft I have a very hard time anticipating that after his Instagram post on draft night That was very different from Tyreek Hill venting after the season finale against the Jets and saying he wanted out and the message was pretty clear that he doesn’t like what’s going on in Miami who is your round 5-7 guy to get the most playing time/biggest impact the two who immediately come to mind are DT Jordan Phillips and RB Ollie Gordon II and I’ll go now with Phillips because I think he’s in line for way more snaps as a rookie is it a crazy thought to actually give a guy like Ethan Bonner a chance to play in real games He seems to always have good things said about him We have taken heat for not drafting a high CB in draft there was some thought among some media members that Bonner could have a breakthrough last year after playing late in 2023 And it’s not about him not being given a chance but rather about his coaches not seeing enough in practice to give him a bigger role while at the same time understanding that maybe he can make a big jump in practice and therefore earn more opportunities Get expert insights delivered straight to your inbox. It’s the fourth year of The State of Personal Finance—giving insights into how Americans feel about and are dealing with the important money topics of the day—and the new year is starting off as a mixed bag but the present holds many Americans in dire straits Around half of the country is struggling to pay bills or save for the future And a similar number are turning to Washington and a new president for hope that things will get better In this edition of The State of Personal Finance we’re looking at several key findings in the world of money analyzing both current numbers as well as trends over the last four years Download a PDF version of the report. 2025 is beginning with an increase of Americans in financial trouble or about 86 million adults) report that they are struggling or in crisis with their money Women are more likely to say they are struggling than men (41% vs While 33% is less than the peak of 2022 and 2023 (37%) the trend over the last four years shows an overall gradual climb in Americans struggling or in crisis with their finances compared to the first quarter of 2021 (22%) Living paycheck to paycheck no doubt adds to feelings of financial instability but 53% of Americans say they’re doing just that—and that figure hasn’t changed much in about a year the percentage of those who are living paycheck to paycheck hasn’t gone below 43% for almost four years While this situation is more common for Americans with lower household incomes (72% of those who make less than $50,000) 36% of Americans making over $100,000 a year still live paycheck to paycheck And Americans with kids at home are also more likely to report living paycheck to paycheck (62%) Because half of Americans are living paycheck to paycheck it’s no surprise that almost half of Americans (46%) report some difficulty paying bills and about a third of Americans (32%) have paid a bill late in the last three months Gen Z is the generation with the most trouble paying bills (64%) Gen Zers are just entering the workforce and are likely dealing with burdens like student loans One of the bills Americans struggled with in the first quarter was housing over half of renters (52%) report some difficulty paying rent each month and Gen Z is again the generation with the most difficulty (66%) with 35% saying they had difficulty making their monthly payments—continuing a downward trend since 2023 But Americans are still hopeful despite the financial difficulties Asked whether they are happy with their overall personal finance situation 50% of Americans say they are either happy or very happy Almost as many (42%) say they are optimistic about their financial future And 77% say they are financially better or about the same compared to last year Americans may be optimistic about their financial outlook but their saving habits and retirement plans tell another story When asked whether they would continue to work past age 65, two-thirds of Americans say they plan to do so. And one-third (33%) say they are planning on working because they have to—meaning they need a steady income to supplement their retirement savings (if they have any) all three of the pre-retirement generations are pretty even: 33% of Gen Z 31% of millennials and 36% of Gen X all say they will have to work post-65 And Americans with consumer debt are twice as likely to say they have to work compared to those with no debt (39% vs Millennials’ issues with retirement go beyond just working past 65. Over half of millennials (53%) say the amount of debt they have is greater than what they have in retirement savings. These young workers will need to eliminate their debt if they ever hope to retire with any kind of substantial nest egg The baby boomers, who are currently retiring, aren’t doing much better. Almost half of baby boomers (46%) are living on less than $100,000 in retirement savings. By itself, $100,000 may seem like a large amount, but it’s not large enough to create enough growth each year for someone to live off without touching the principal amount saving is going to be even more challenging Financial uncertainty doesn’t only affect money. The anxiety and stress of trying to figure out how to pay for everything is very real adults report that they worry about their finances daily and 4 in 10 say they lose sleep over the state of their money More women than men worry daily about money Gen Z is the most worried generation (69%) And while 60% of households earning below $50,000 a year are stressed about their finances nearly half of $100,000 households (45%) are also feeling the mental burden It’s obvious that Americans need to get serious about their money. But the topic is still a cultural taboo. In fact, Americans say they are more comfortable discussing other taboo topics like politics, religion and their sex lives before talking about their personal finances Since the announcement of his official tariff plan on April 2 (and the 90-day pause on that plan a week later), Trump’s tariff policy has sent the markets into a series of record-breaking ups and downs, leaving many Americans feeling like passengers on a roller coaster—nervous about what these new tariffs will do to already inflated prices and retirement accounts Fifty-six percent of Americans say that tariffs were negatively impacting their personal finances before the tariff policies even took effect The negative perception of the impact from tariffs is consistent across generations with all age groups hovering around 60% in agreement More women than men are concerned about the influence of tariffs on prices (64% vs as are city dwellers (68%) more than suburban and rural Americans (57% and 54%) And political liberals focus on the negative effect more than conservatives (76% vs but moderates aren’t too far behind liberals (63%) Despite the nervous feelings about tariffs, President Trump seems to be gaining the confidence of the American people on the economy generally, as 52% of U.S. adults say they believe the economy will improve under the second Trump administration. This figure is up 15 percentage points from last quarter’s State of Personal Finance which was surveyed just after Trump’s win in the election more men than women believe Trump and his policies will improve the economy (58% vs and millennials have the most confidence in the new administration (61%) Political persuasion can factor into confidence levels as well as conservatives were naturally the most confident (79%) the new Trump administration has made curbing government spending one of its primary goals—and a supermajority of Americans are behind it you can’t get a significant majority of Americans to agree on anything This figure is consistent across all demographics—sex Even 80% of Americans on public assistance agree Though a huge majority believes the government has a spending problem Americans are less confident in the way the Trump administration is going about cutting that spending When asked if the Department of Government Efficiency (DOGE) was doing good work The demographic breakdown is similar to that of the confidence in Trump’s general economic policy—with men conservatives and higher income earners expressing more confidence in DOGE 2025 holds a lot of uncertainty for the state of personal finance in America—from the average Americans’ house to the White House With financial struggles still very real and present Americans seem to be waiting for the next shoe to drop in Washington before making any moves with their money But lasting change can only happen if you start making moves in the right direction—today The best way to curb the shock of any economic issues that may come (be they from your own life or from the government) is to follow a budget and start saving for your future—in that order you’ll be prepared for whatever life throws at you It may require a little pain and delayed gratification today The State of Personal Finance is a quarterly research study conducted by Ramsey Solutions with 1,014 U.S adults to gain an understanding of the personal finance behaviors and attitudes of Americans The nationally representative sample was fielded from March 1–11 The State of Personal Finance has surveyed over 15,000 U.S Research from the study has been shared on hundreds of media outlets The New York Times and Good Morning America and ad campaigns during the NBC coverage of the 2024 Summer Olympics in Paris Q4 2024 Report Q3 2024 Report Q4 2023 Report Q2 2023 Report Q1 2023 Report Q4 2022 Report Q3 2022 Report Q2 2022 Report Q1 2022 Report The latest release of The State of Personal Finance from Ramsey Solutions takes a look back at 2021 to see how Americans’ attitudes opinions and behaviors changed around their money Inflation is zapping Americans of their money faster each month But you’re not powerless against those rising numbers Learn the habits and traits of millionaires in the largest original research study ever with over 10,000 participants by Ramsey Solutions Ramsey Solutions uses cookies and other tracking technologies to collect information about you and your website experience and shares it with our analytics and advertising partners as described in our Privacy Policy By continuing to browse or by closing out of this message Jalen Ramsey is the biggest name on the trade block right now after he and the Miami Dolphins mutually agreed it’d be best to part ways The Dolphins are still shopping the cornerback but a deal may not come together until June for salary cap purposes McVay was asked by Adam Schein of SiriusXM’s Mad Dog Sports Radio for an update on Ramsey and he says talks are continuing to take place “There’s not too much of an update,” McVay said And so there are a lot of layers when you’re talking about a player of his caliber – ‘All right the compensation that they would be looking for in exchange for receiving a player of his magnitude.’ And so those conversations are ongoing but we’re never going to shy away from opportunities to increase the competitiveness of our roster or add great players as long as it fits within the framework of everything that an acquisition like that would entail.” Compensation shouldn’t be too big of a hurdle for the Rams considering the price might only be a third- or fourth-round pick Any team trading for Ramsey would inherit his current deal though it would essentially become a $21 million commitment for just one year and then “pay as you go” after that it would eat $29.213 million in dead money which would be a loss of $12.55 million in cap space Not exactly a feasible move for the Dolphins they could split the dead charge over the next two years making it more palatable for the front office What does it take to train like an Olympian the answer may not shock you — a whole lot thanks to a mild training session (and I use that word loosely) with one of Team USA’s most dominant Olympic squads: the history-making U.S who took home the country’s first-ever Olympic rugby medal at the 2024 Summer Games in Paris Thanks to Quest Nutrition I got to spend the day with a few of these elite athletes and not only train like an Olympian but eat like one too (I'm now officially obsessed with Quest Overload Bars and chips.) The training took place at the Chula Vista Elite Athlete Training Center where I had the chance to learn directly from Josh Schell Before we dive into the training — and yes we’ll get to that — I got the chance to chat with Ariana Ramsey She opened up about how she fuels her body through an intense training schedule that's already preparing her for the road to LA 2028 and that includes her go-to snack: Quest Chips we’re eating Quest chips," she told me "The spicy chili and loaded taco flavors are my favorite.” With two-a-day sessions and team meetings all packed into a typical day it’s no surprise that recovery and protein-packed fuel are essential into a series of drills to test whether I had what it takes to make the Olympic team (spoiler alert: I don’t) getting a small taste of what these powerhouse athletes go through daily While the team is already gearing up for LA 2028 I couldn’t help but ask Ariana what it meant to take home that historic bronze medal almost one year ago “Winning something at the Olympics changed everything,” she shared It meant more funding for the program and more visibility for the sport Keep scrolling to read more from my Q&A with Ariana Ramsey At least some suitors have known about Ramsey’s availability dating back to the Combine, but a trade agreement has not seen particularly close at any given time. A major reason for that is the fact interested teams are not prepared to take on the 30-year-old’s contract in full The Dolphins would benefit greatly – from a cap perspective – by trading Ramsey after June 1 so plenty of time remains for their negotiating stance to shift as talks continue The team’s CB depth chart would look much different without Ramsey in the fold something which was not supposed to be a feasible scenario after a big-ticket extension was worked out last offseason as Ramsey looks to join a contender for 2025 Los Angeles currently has $19.86MM in cap space although a portion of that figure will be needed to sign the team’s draft class Landing Ramsey will still likely require assistance from the Dolphins with respect to retaining money but Miami’s stance on that front will need to change over the coming weeks compared to where it is now Log in Register I remember him sitting next to Shad Khan when he was in Jax Shad told the media people that he was comfortable making him the highest paid CB Jalen still had ‘back issues’ and was sent to LA The Jags botched the 202 draft by drawing 2 busts in the 1st round & K’Lavon Chaisson followed by Laviska Shenault in the 2nd round I wish the NFL would make more straight up player-for-player trades I’m sure someone out there has someone who no longer fits in their own plans but who might make a suitable swap candidate for Ramsey Every offseason new coaches and/or GM’s say ‘they want their own players..’ Miami will never win anything while they are there Register ESPN's Jeremy Fowler reporetd during Sunday's SportsCenter and suggested the $24 million in guarantees has proven to be a "sticking point" in negotiations. "Miami has been calling around on Ramsey trying to work a potential trade," Fowler said. "They were doing so in the days leading up to the NFL draft. So something could shake out here this off season. I'm told Ramsey does want to play for a contender. So, he wouldn't just go to any team, considering his age, his pedigree as a Super Bowl winner.  My sense after asking around is Miami has not been overly eager to cover some of that bill Ramsey trade rumors have circulated since Miami general manager Chris Grier told reporters last month the plan was to move the cornerback "Really after a couple weeks of discussions between ourselves internally and Jalen and his representation we decided that it was probably in the best interest for all parties to move forward," Grier said while also making it clear Ramsey didn't ask for a trade NFL Network's Ian Rapoport reported during the draft it "does not feel to me like anything is imminent" with a trade: .css-1xiyrl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;aspect-ratio:unset;}The financials being a "sticking point" would help explain why nothing has materialized to this point although Ramsey is surely an intriguing option to teams that need help in the secondary three First-Team All-Pro selections and seven Pro Bowl nods While he is 30 years old and may not be playing at the same level as his peak he was still a Pro Bowler in 2023 and finished with 11 passes defended while playing all 17 games last year will surely continue to monitor the situation as the offseason progresses NFL Network's Cameron Wolfe: The Miami Dolphins have explored the idea of adding cornerback Rasul Douglas While the 2025 NFL Draft included plenty of twists and turns but the fact that the Dolphins weren't able to move him before or during it means they missed an opportunity to recoup some instant draft capital the market for a return on Ramsey is weaker Because of the structure of Ramsey's contract -- which would clear nearly $10 million in cap space in a post-June 1 trade -- it also makes more sense for the Dolphins to wait until after June 1 to complete a deal giving us time to ponder where the seven-time Pro Bowler might land While there's been some chatter about a potential reunion with the Los Angeles Rams I think their current composition at the position is good enough that they don't need to take on additional commitments -- like a cornerback whose cap number rises substantially in 2026 Here are four teams (and one wild-card option) that could be welcoming the 30-year-old three-time All-Pro to their clubs this summer: Although Baltimore's CB room might seem crowded if there's any team that consistently kicks the tires on known veterans looking to chase a ring but adding Ramsey would fit with the franchise's tendency to welcome in proven players who have the chance to make an instant impact -- and further strengthen a roster that is already expected to contend for a title Tampa might be the perfect place for him to find a valued role with a contender Trading for Ramsey would signal the Cardinals are serious about contending in 2025 who is entering his third campaign as coach the Raiders have the financial power to get it done There's always a chance a trade never happens and while the Dolphins' honesty about their interest in moving Ramsey suggests it might be inevitable If Miami finds the interest in Ramsey (and the compensation offered) is subpar it might choose to mend fences and keep him for 2025 It's the last year of guaranteed money on his current deal and the Dolphins could choose to wait for the financial relief that would come with a release next offseason instead of forcing a trade now and accepting minimal return don't forget how important this season is to the future of the Chris Grier/Mike McDaniel regime in Miami it might end up making more sense to keep Ramsey instead of accepting peanuts just to move on from him Chad Reuter identifies 16 rookies picked during Rounds 4-7 of the 2025 NFL Draft who could be in line for starter snaps in Year 1 Which first-year pros will take advantage of potential opportunities for playing time Did the Raiders knock the 2025 NFL Draft out of the park with a class led by Ashton Jeanty How good can Colston Loveland be in Ben Johnson's offense in Chicago Bucky Brooks identifies 10 perfect player-team fits coming out of the 2025 NFL Draft Which teams are in position to receive extra draft capital next year Lance Zierlein provides his 2026 NFL Draft compensatory pick projections for every squad The highest remaining player on Gregg Rosenthal's Top 101 free agents list is veteran wideout Amari Cooper NFL.com senior news writer Kevin Patra offers up seven potential landing spots With the 2025 NFL Draft in the rearview mirror WRs and TEs to present his top 150 flex options for the upcoming fantasy football season Where do Ashton Jeanty and Travis Hunter land Will Josh Allen's Bills once again get the best Patrick Mahomes' Chiefs in the regular season Can Sam Darnold lead the Seahawks over his former team Kevin Patra ranks his top 10 matchups of the 2025 NFL season While we wait for the 2025 NFL schedule to be unveiled later this month NFL.com analysts debate which team they'd want to see face the defending Super Bowl champion Eagles in the NFL Kickoff Game Will fifth-rounder Jaydon Blue prove the Cowboys were smart to wait on an RB Can seventh-rounder Quinn Ewers help Miami -- on the field or as a potential trade asset Chad Reuter lists his favorite picks from each round of the 2025 NFL Draft Eric Edholm runs through the entire league in a fresh batch of Power Rankings Chad Reuter reveals his final snap grades for all 32 teams based on their decisions from each day of the 2025 NFL Draft the franchise pulled off a win in Super Bowl LVI over the Cincinnati Bengals that featured Matthew Stafford Ramsey was a key piece to this defense as one of the best pure defenders in the sport He was a highly-touted player in the 2016 NFL Draft and started his career with the Jacksonville Jaguars before being traded to Los Angeles for multiple high draft picks Just one season after hoisting the Lombardi the seven-time Pro Bowler was traded to the Miami Dolphins where he enjoyed three more strong seasons in South Beach Bringing back Ramsey may seem like an attempt to finally put the defense over the hump as a unit that should be reckoned with it’s fair to question whether the 11th-year pro can still perform at a high level Ramsey turns 31 this season and his days of being the top defensive back in the world are long gone the Rams are in need of a veteran presence on a young defense that features numerous starters with less than three years of league experience Ramsey is still a capable defender who can be the team’s starting nickel and provide quality coverage prowess While he’s not the person that could skyrocket the Rams defense into a new stratosphere Ramsey would be a welcomed upgrade and addition to the roster if a trade is pulled off Time will tell if the trade does commence and if so it’s another addition for a roster with the perfect blend of youth and veteran talent to return to the Super Bowl Ensure you follow on X (Twitter) @RamsInsideronSI and tell us if the Rams should add Ramsey Please let us know your thoughts on the idea of the Rams adding Ramsey when you like our Facebook page WHEN YOU CLICK RIGHT HERE JARED FEINBERG The NFL Draft would have seemed an ideal setting for a trade to occur giving the Dolphins additional options in the three-day college prospect selection process Dolphins general manager Chris Grier mentioned a potential Ramsey trade “We’ve had conversations through the weekend with some teams about it as well so depending on what happens and if and when it’ll happen; whatever it is we’ll make the deal at the appropriate time.” That appropriate time was not during the draft itself Grier indicated the money was not a factor in when a trade could be made as he answered a question I think we’re open to everything,” he answered “We’ve been having conversations with teams but we’re open to whenever the right opportunity comes for us and the organization.” The money could also factor into teams who are willing to acquire Ramsey The Dolphins signed Ramsey to a three-year extension in September including three void years with a $12.4 million cap hit in 2029 A new team would be taking on a giant contract and would have to make sure they have the salary cap space throughout the life of the contract The Los Angeles Rams have emerged as a potential trade partner for the Dolphins sending Ramsey back to LA just over two years after the Rams traded him to Miami the Dolphins sent Los Angeles a third-round draft pick and tight end Hunter Long Could Miami see a return of a third-round pick two years later or has Ramsey’s value slid Rams head coach Sean McVay recently appeared on SiriusXM’s Mad Dog Sports Radio and spoke to Adam Schein about the possibility of a trade for Ramsey, via Rams Wire “There are a lot of layers when you’re talking about a player of his caliber Grier was asked about the possibility of the Dolphins working to reconcile with Ramsey trying to find a way to keep him on the roster this year “I would just say we never close any doors on anything but we’re just going to focus on the Miami Dolphins here right now and the players that we’re adding to the team right now.” but could the Dolphins have asked Ramsey to move to safety as the replacement for Jevon Holland this year leading to Ramsey’s “falling out” with head coach Mike McDaniel and the team There has not been anything that indicates that is the situation Ramsey wants to play for a contender this late in his career and if he feels Miami is not one this year that could be why he is trying to force his way out of South Florida It feels like the Dolphins and Ramsey are destined to part ways this summer - but it might not be until sometime in June when a trade gets completed The Dolphins do not seem to be in a rush to cover additional money in the contract and they are willing to wait to see what materializes as training camp approaches and everyone seems willing to sit back and wait so the franchise thought it was best to move on from the seven-time Pro Bowler Cornerback Jalen Ramsey is still playing football at an elite level, but that isn’t stopping the Miami Dolphins from trying to trade him. The veteran corner has three years left on his deal, and he’s due north of $25 million in each season Ramsey is still a member of the Dolphins, so it remains unclear where the next chapter of his career will be played, but there’s already speculation about what it could look like. Albert Breer recently released a piece covering multiple current NFL stories and he made an interesting comment on Ramsey Breer didn’t say anything about which team Ramsey could be playing for instead focusing on what position he could be playing for his new team The veteran reporter expressed that he’s intrigued by the possibility of Ramsey moving from corner to safety in the coming years this isn’t uncommon for elite corners to do later in their careers Hall of Famers Charles Woodson and Rod Woodson are the most high-profile examples After legendary careers on the outside at corner tacking on several more years of quality play to their already great careers is still playing at an elite level at corner and can probably maintain that form for a few more years If the day comes where he’ll be more productive at safety he’ll certainly be equipped to make the transition The elite defensive back has already been used a chess piece throughout his career bouncing around from corner to nickel and even safety That means becoming a full-time safety should be easy work for him If this move was to happen in the next one or two years like Breer said He’s the third highest-paid corner at $24.1 million a year and that’s a few million more than the highest-paid safety (Kerby Joseph at $21.25) So Ramsey wouldn’t just be going from corner to safety on the field that’s a discussion for Ramsey and his team to have in a few years he and the Dolphins must decide who his team will be for the 2025 season © 2025 Minute Media - All Rights Reserved Betting and gambling content is intended for individuals 21+ and is based on individual commentators' opinions and not that of Minute Media or its affiliates and related brands Ramsey is still a member of the Dolphins, so it remains unclear where the next chapter of his career will be played, but there’s already speculation about what it could look like. Albert Breer recently released a piece covering multiple current NFL stories While Jalen Ramsey’s future with the Miami Dolphins is uncertain his situation is currently being compared to some all-time great defensive backs Jalen Ramsey and the Miami Dolphins agreed ahead of the 2025 NFL draft they would mutually seek a trade to find a new home for the three-time All-Pro so the 30-year-old cornerback remains on the trading block as the next phase of the NFL offseason begins Ramsey is fresh off a season during which he recorded 60 tackles, two interceptions and 11 passes defended. He was Pro Football Focus' 10th-graded cornerback out of 116 qualified players at the position and allowed a 93.5 passer rating Why wasn't Ramsey traded before the draft given his strong performance? The veteran has four years remaining on his contract, including the entirety of a three-year, $72.3 million extension he signed with the Dolphins on eve of the 2024 season teams may be reluctant to give up high-end draft capital for Ramsey – unless Miami is willing to eat some of the money remaining on his deal Ramsey remains a quality starting cornerback and should pique the interest of several contenders who need help at the position Below is a handful of teams that could consider targeting Ramsey as the Dolphins continue to shop him Sean McVay has made no secret of his admiration for Ramsey, who played for the Rams for three-and-a-half seasons. The 39-year-old coach referred to the veteran cornerback as a "total stud" in a recent radio interview and noted Los Angeles was weighing a pursuit of Ramsey The Rams could use a true, No. 1 cornerback, and Ramsey would allow Ahkello Weatherspoon and Darious Williams to settle into complementary roles within Los Angeles' secondary The Rams have just under $19.9 million in cap space available so they could find a way to make room for Ramsey if they so desire NFL POWER RANKINGS: Where all 32 teams stand following the 2025 draft who are expected to challenge for playing time on the outside this season Ramsey would provide the Raiders with that Pete Carroll would likely be interested in acquiring a bigger-bodied physical cornerback to help him try to recreate the "Legion of Boom" in Las Vegas Atlanta could still use a higher-end partner for star cornerback A.J. Terrell to improve upon a defense that ranked 28th in EPA last season Terrell and Ramsey would create an imposing cornerback duo that should pair well with the team's improved pass rush Speaking of teams with low-ranked defenses, the Bengals checked in at just 23rd in defensive EPA They needed to upgrade all three levels of their defense in the 2025 NFL draft but failed to add an impact player in the secondary 2026 NFL MOCK DRAFT: No Arch Manning, but QBs lead way-too-early look at first round Adding Ramsey would take some pressure off Sneed to be the team's top cornerback and allow him to ensure he's healthy. If both veterans pan out, it would be very hard to throw against the Titans. That makes this move one for Tennessee to consider, especially since it is armed with the fifth-most cap space league-wide, per OverTheCap.com Ramsey could slot in across from Mitchell with DeJean playing the slot and create one of the best nickel packages in the NFL Vic Fangio will love having Ramsey available so perhaps the Eagles will be willing to use their $24.8 million in cap space to make way for the veteran cornerback – provided they still have ample space after signing their 2025 draft picks Dave Ramsey the personal finance expert and bestselling author recently shared his insights in an exclusive interview with TheStreet addressing some concerns many Americans have about their 401(k) plans and the most effective strategies for building wealth 💵💰Don't miss the move: Subscribe to TheStreet's free daily newsletter💰💵 especially one sponsored by employers that match contributions is widely regarded as a solid way to build retirement savings The system's automatic payroll deductions simplify the process ensuring consistent contributions with minimal effort provide a broader range of investment options that may not be available in some 401(k) plans as individuals must set up the account and organize their contributions independently Ramsey offers compelling insights into market trends and how they influence retirement investments including 401(k) plans and other financial strategies Dave Ramsey speaks about personal finance issues The bestselling author and podcaster explains the most powerful wealth-building tool and how to make the most of it debtRamsey emphasized wealth-building for the future describing a 401(k) contribution strategy and a personal finance approach that focuses on a long-term horizon.  Ramsey offered the following warning about financial behavior people should avoid "Tell your money what to do instead of wondering where it went before the month begins," he said He expanded on that word of caution with some practical advice about freeing up funds for 401(k) contributions.  "Your most powerful wealth building tool is your income," Ramsey said "If you're a typical American — most people — that makes them more money That gives them the money to put in their 401(k) and to let it grow in some good growth stock mutual funds."  Ramsey mentioned another money priority on which people should focus It's an intentional act in your money." "It's called a budget," he said. "And those sound like old-fashioned and grandma things. But if you learn to live on less than you make, and you learn to invest and you stay out of debt and you do it with a plan — those are the keys of people that actually become wealthy." Ramsey also addressed a mistake many people make during periods of market turmoil. "I tell them, turn off the TV. Because, you know, if you watch this stuff minute by minute, it'll give you a heart attack and it'll cause you to jump out of the market," he said. "You go down these wormholes in the internet, and you hear all the conspiracy theories and all this stuff. So turn your computer off, turn your TV off as far as investing goes." "I'm a long-term investor," Ramsey continued. "So the short-term temper tantrums I'm not going to get involved in. And you've really got to manage your inputs because all of us can increase our anxiety if we hang out with people who are anxious." Alabama Lands Coastal Carolina Transfer Alancia Ramsey5/2/2025 6:04:00 PM | Women's Basketball native will join the Crimson Tide for the 2025-26 season TUSCALOOSA, Ala. – Alabama head coach Kristy Curry announced the addition of Alancia Ramsey to the women's basketball program on Friday The Crimson Tide will welcome the Delray Beach native to the upcoming 2025-26 squad after she spent her first two collegiate seasons at Coastal Carolina and every single move since then has been with the goal of getting Jackson to the Big Game The Ravens have brought in an army of veterans with the hopes of getting themselves over the hump. From Calais Campbell to Odell Beckham Jr., Justin Houston to Derrick Henry Baltimore has become a preferred landing spot for many talents who aren’t necessarily at the peak of their powers That will keep general manager Eric DeCosta on speed dial for agents and executives across the league as the rumor mill churns Those rumors have continued deep into the offseason, with NFL.com listing the Ravens among potential trade partners for Miami Dolphins star Jalen Ramsey “After injuries ravaged its secondary in 2023 Baltimore has routinely attempted to add depth to the group over the last two offseasons,” Nick Shook wrote the Ravens drafted Nate Wiggins near the end of the first round they added Chidobe Awuzie in free agency and drafted Robert Longerbeam in the sixth round Although Baltimore's CB room might seem crowded if there's any team that consistently kicks the tires on known veterans looking to chase a ring “The financial side might not work out but adding Ramsey would fit with the franchise's tendency to welcome in proven players who have the chance to make an instant impact -- and further strengthen a roster that is already expected to contend for a title.” now comes word from Miami that as much as the Dolphins want to dump Ramsey they are unwilling to pick up any part of the financial tab from his bloated contract.  that's the contract they just signed him to last year including $24 million in guarantees for the 2025 campaign Welcoming Ramsey into such a strong unit with the promise of competing for a Super Bowl is certainly enticing.  Have you looked at your car or home insurance bill lately I assume that may be why you’re here As you pick your jaw up off the floor and think of all the other things you would rather spend that money on a few questions might run through your head Like, Why is my auto insurance so high? or Why did my home insurance premiums go up again Let’s look at why your home and auto insurance prices are so high and what you can do to stop rising premiums from cramping your budget you get that insurance rates are going up—but why LiMu Emu and that gecko colluding to pull a fast one on us (I wish it were that dramatic and conspiratorial.) Let’s think of it in terms of another kind of business If your local wild yeast sourdough bread baker usually sells a loaf for $8 but the price of flour skyrockets and their kitchen rent increases you’d expect them to raise the price of a loaf The same applies to the insurance industry unfortunately The cost to insure people has risen—maybe not you specifically but insurance isn’t about the individual It’s about spreading the cost (and risk) across the group and the cost for a bunch of people rose dramatically “Why is my car insurance so high?” is becoming an all-too-common refrain right there among “slay” and “rizz.” The truth is there could be a bunch of reasons why you’re paying so much for car insurance Some of the most common factors that influence how much you’re paying for insurance are your deductible And then there’s the market factors I touched on above Believe it or not, insurance companies look at age and gender to determine insurance rates. Drivers under 25 and over 75 tend to have higher rates, since insurers see their policies as high-risk insurance men and women often end up paying different rates too If you live in a big city or an area with lots of traffic accidents then your premiums will be higher compared to suburban or rural parts of the country Insurance companies look at the number of claims in the area There’s a better way to go about fixing this problem: getting rid of your credit score completely And you may not have known that’s even possible But you’ll be better off in the long run if you stop messing around with debt altogether Yep—this means paying off your debt and never using credit cards payment plans or any kind of financing again when you become completely debt-free with no open accounts your credit score will disappear (or become indeterminable in credit score speak) and you’ll have more cash in your pocket because you won’t have any debt payments Here’s the truth: A credit score is nothing more than a number that says how much you love debt And debt isn’t your friend—it keeps you from having any money margin in your life So instead of pulling out your credit card and swiping your way to a more affordable car insurance premium pull out a pair of scissors and cut that credit card up You’ll thank me later when you’re no longer playing rigged reward games or drowning in the high-interest payments those predatory companies lock you into and accidents waiting to happen—this section’s for you DUIs and other violations will push your rates up faster than the officer can say “Why is my car insurance so high?” is a rhetorical question But a safe driving record can actually lower your rate Some insurance companies even offer good-driver and safe-driver discounts See if you qualify for one of these to lower your rate I already mentioned that turning 25 usually brings your premiums down but that’s not always true (or at least not right away) The exception is if you started driving later in life They’re both safe drivers who never speed But since Luigi was more into gaming than driving in high school he didn’t get behind a wheel until he was 23 Mario snagged his license on his 16th birthday Those extra years on the road mean Mario will get to enjoy that “super experienced driver” discount sooner than Luigi Long commutes or traveling on especially dangerous highways will increase your rates That’s why insurance applications ask where you work While you’re probably saving big on your housing expenses by commuting you don’t need to pack up your stuff and move—it’s not worth it just to save a little on your insurance But if you’re already looking to move a smaller insurance premium may come as a bonus Are you the newest member of the #MazdaMommy gang Which is your car better known for: the size of its engine or its safety features Do you upgrade your model every five years to the latest release just like Leo DiCaprio with his girlfriends Take a look at how your choices here impact your rate take an even closer look at your life choices.) Even though used car prices have settled a little since their meteoric rise a couple years ago And basic economics tells us that higher car values equal higher insurance costs even if you don’t have a super expensive luxury car your car’s value could be affecting your insurance rate Vehicle safety can also affect your insurance prices like the Insurance Institute for Highway Safety test Look up the safety ratings the next time you’re shopping for a car—or ask your insurance agent how your car’s rating might affect your premium How you’ve handled insurance in the past will also affect your car insurance future To throw some Lion King wisdom at it: Yes the past is in the past—but the past still hurts The choices you make right now push your rates up or down too Even though it’s their job to deal with insurance companies don’t like it when you file a lot of claims And they definitely don’t like big claims Anything from a couple of fender benders to wrecking one car too many will increase your premiums Consider skipping a claim and paying for smaller repairs out of pocket to avoid raising your rates Your deductible is how much money you’re on the hook for when something happens to your car and you file a claim to get it fixed It’s what you pay to fix your car before your insurance company covers the rest If your policy has a lower deductible that means the insurance company takes on more risk You’ll pay less for the repairs in the moment but you’ll have higher premiums as a result market factors are another thing you can’t really do anything about But they’re pushing your rates up faster than a Zoomer runs to a sale on high-waisted mom jeans And they have to make it up somewhere (hint: your premium) The pandemic really threw a wrench in things The supply chain woes of the last several years (thanks global chip shortage!) caused fewer cars to be produced as the supply chain ground to a halt and new cars stopped being made Really cool if you were thinking about selling it you need to have enough to replace your home if it gets destroyed you should get enough collision and comprehensive to replace your car if it’s totaled It’s not just car insurance that’s giving the world’s tallest skyscraper a run for its money Home insurance rates are making homeowners everywhere wail, “Why is my insurance so high?” there’s quite a handful of different factors playing into the rise including more natural disasters and supply chain problems But there are also factors that you have control over the size of your home insurance deductible impacts your rate It might sound nice not to have to pay a lot out of pocket if your house gets damaged but you’ll pay every month with higher premiums Tornado Alley and flood plains—just to name a few—are all bad places to live if you’re looking for cheap home insurance but looking back over the last several years we’ve certainly had a lot of natural disasters It’s kind of a matter of luck whether a storm will hit and where but big hurricanes like Ian and Irma have pummeled the East Coast wildfires and storms have been hitting hard It might sound crazy, but an uptick in severe thunderstorm impacts (think tornadoes) is one of the biggest reasons your home insurance is rising. In 2023 alone, these weather events led to a record $55.6 billion in insured damage and accounted for roughly two-thirds of all natural disaster damage.14 How is there more storm damage? Are there more storms? Maybe . . . but there are definitely more houses and buildings in the way of storms. The U.S. economy is still growing, and as urban areas continue to sprawl out farther and farther, there are more built-up areas that can be knocked flat by storms.15 and shortages in materials mean higher prices So not only are more houses getting beat up but they’re more expensive to rebuild Now that’s what I call the perfect storm insurance rates may be in the stratosphere But are you really destined to pay sky-high rates forever No way. The truth is that most people are overpaying for coverage by hundreds of dollars! If that’s you here are some ways you can lower your premiums fast: If you have at least $1,000 saved for emergencies Having a higher deductible means lower premiums since you’re taking on a little more risk But you’ll have more money in the bank to cover that higher deductible if you get in an accident or your home gets damaged and you’ll wind up saving money in the long run But there are also plenty of types of coverage you can probably drop from your policy to shave some of the cost off your premiums. Look at your policy and decide if you really need everything you’re paying for. If you only buy the coverage you need you can ditch the extras and lower your premium Here are some auto coverages you might consider cutting if they’re not required in your state: Take the Coverage Checkup to get a personalized insurance action plan that breaks down what to keep add or nix so you can take control of your finances with confidence Don’t forget about any discounts you or other drivers on your insurance may qualify for If you’ve got a teen on your policy some insurance providers offer discounts on policies with teenagers if they have good grades or a safe driving record Take advantage of these perks to lower your existing rate And discounts aren’t just for auto insurance Homeowners can sometimes qualify for discounts by installing certain safety features like burglar alarms my homeowners insurance currently gives me a protective device discount for example) since the last time you shopped insurance Because there’s usually a discount for that on your car insurance If it’s a safer neighborhood (fewer claims or crimes) you might be able to save on home and/or auto Or if your new area tends to have higher car insurance rates it’s still a good idea to shop for a better deal Let’s say you’ve got homeowners insurance and auto insurance through two different insurance providers if you were to bundle those policies by getting rid of one (or both) of them and buying your insurance through one provider you’d be able to conveniently manage your policies and save money on premiums Some companies say they can save you up to 25% when you bundle your insurance and it might not be a bad idea to investigate whether that’s a promise they’ll keep But there is a chance that bundling insurance won’t be cheaper for you buying policies from separate companies could be the cheaper option let’s say you’ve got a modest car and an expensive home If the provider offers a bundle with expensive car insurance but cheap homeowners insurance you may find better coverage at a better rate by breaking up the bundle Review your policy and compare rates to see what might work best for you Maybe it’s because you haven’t shopped around Think about it: When was the last time you actually shopped for car or home insurance and compared quotes It’s high time to check on those policies (And probably replace your air filters too your home and car have air filters.) Lots of folks just stay with the same insurance because it’s easy and they don’t think to check around who finally reached out to a RamseyTrusted pro who could shop quotes for him “We were people who just stayed with what we have always known,” Jamie said on the Ramsey Baby Steps Facebook Community group “When we reached out to the RamseyTrusted pro we found the exact same policies for homeowners and our cars a lot cheaper Besides doubling down on all the savings tips we’ve mentioned calling in an expert to help you navigate your insurance is one of the surest ways to know you’ve got the best rate you can get A lot of people make the mistake of working with an insurance agent who can’t (or won’t) compare quotes from different insurance companies (those are called captive agents) You want to work with an independent insurance agent, like a RamseyTrusted insurance pro They can do all the heavy lifting—like pulling quotes from all the companies so you can pick the best deal The main factors that affect your car insurance rate include your age The quickest and easiest way to lower your car insurance premiums is to raise your deductible Having no credit score is a whole lot better than having a low score there’s a tried-and-true solution to getting rid of it: cutting up your credit cards and ditching debt forever Since new cars tend to be more valuable than old cars car insurance rates are usually higher for new cars it’s possible that an insurance policy for an old car that’s worth more will cost more than a policy for a new car that’s worth less It all comes down to the value of the car being insured Fun fact: You may need non-owner car insurance even if you own a car Figuring out how much car insurance do you need is hard because That’s why we’re going to show you exactly what you need Wondering what full coverage auto insurance is and what it includes At the family's request memorial contributions are to be made to those listed below Please forward payment directly to the memorial of your choice Leukemia & Lymphoma Society - Michigan Chapter 1471 East 12 Mile Road Madison Heights, MI 48071 (248) 582-2900 Driving Directions Web Site Saugatuck Center for the Arts 400 Culver St Saugatuck, MI 49453 (269) 857-2399 Web Site shortly after being diagnosed with acute myeloid leukemia He began his career with The Dow Chemical Company in Russellville He was loved over the years by the youth he coached in soccer which he continued after he moved to the west side of Michigan He was also deeply loved in their chosen community of Saugatuck Randy always had a warm smile and kind words Many friends have reached out to say what they’ll miss most about Randy is how he gave the biggest and best hugs Randy loved being outdoors and was always working on something—organizing the garage with neighbors joking they wouldn’t be surprised to see him cutting each blade of grass by hand and classic rock—which often served as the background for his time outdoors He also enjoyed relaxing by their firepit with an occasional cigar He is survived by his beloved wife of 41 years Bryan Gotcher (Kristi); and his six cherished grandchildren and Henry (Bryan and Kristi); and Sloane and Baby Feeney (Anna and Ryan) the family requests donations be made in Randy’s honor to the Saugatuck Center for the Arts The family will hold a memorial service at a later date JavaScript is disabled. In order to use all of the features on dykstrafuneralhome.com, enable JavaScript.Close Subscribe to BuzzFeed Daily NewsletterCaret Down"Me And Pedro Are Still Best Buds": Bella Ramsey Answered A Ton Of Questions About "The Last Of Us" While Playing With PuppiesThe way Bella Ramsey talks about Pedro Pascal and Isabela Merced >>>>> Subscribe to BuzzFeed Daily NewsletterCaret DownKit Harington Said 11-Year-Old Bella Ramsey’s “Humiliating” Response To Him Forgetting Lines During Filming For “Game Of Thrones” Made Him Realize He Needed To Up His GameBella admitted they have “remorse” for their “annoying” behavior on the set of the HBO fantasy series Kit played the show’s hero Jon Snow for all eight seasons of the show and was 28 years old when young Bella joined the cast I came here not really being comfortable enough with my lines And then that child actor is wiping me off the screen.’ Not that it’s a competition I’ve got a bit too comfortable in my Jon Snow-ness.’” but there was a real feeling of you being a different entity of child actor “You brought a confidence and clarity that was quite unusual for a young actor,” he went on It felt like working with a very experienced actor.” but now I see 11-year-olds and realize how tiny they are so it’s weird to me that I was that size and that young “And then I did end up having to get it because there were people making fake accounts pretending to be me when I was 12 and posting inappropriate stuff,” they added I’ve just deactivated my Instagram and my Twitter I’ve reached a point where I don’t actually need this anymore People know that a fake account pretending to be me isn’t me.” He married his Thrones costar Rose Leslie in 2018, and they have since welcomed two children together, with Kit admitting last year that he feels “lucky” to have gotten sober before having kids is still available and likely headed for a one-year Fans must be weary of this report because that likely increases the compensation in order to acquire Ramsey On the surface a reunion between the Rams and Ramsey make sense. LA renewed their vows with Matthew Stafford for seemingly a two-year run at the Super Bowl Ramsey is better-suited to play for a team that is set to win now given that he’s into the late stages of his career But are there better alternatives for the Rams than to bring back a player they have already moved on from previously Should they throw nostalgia out the window and blaze a new path forward at the corner position Ahead of free agency I wrote that Samuel fits LA’s corner profile based on his size and ball skills He’s obviously a much different player than Ramsey and won’t contribute in run defense—something Ramsey still does at a high level Ramsey is on the wrong side of age 30 and seems discontent with his contract and compensation on a nearly annual basis It’s fair to say that production equals tolerance; however Ramsey could quickly wear out his welcome should decline set in Perhaps the smarter bet would be to sign the age 25 corner and former second round pick. Injuries aside, Samuel also fell out of favor with the Los Angeles Chargers during the regime shift to Jim Harbaugh and Jesse Minter zone corners who aren’t always eager tacklers That’s less of a concern for the other LA team as nearly every individual in the Rams’ corner room are of similar stature and are more adept in zone than man Would Ramsey help the Rams win more games in 2025 than Samuel To me the evaluation comes down to one key question: Is it better to trade away future draft compensation for a corner on the wrong side of 30 whose best days are behind him rather than to sign a relatively young free agent on a one-year deal but likely has nowhere near the upside that trading for Ramsey does playPuka Nacua: I want to retire at the age of 30 (1:33)Rams receiver Puka Nacua explains his reasoning for wanting to retire at the age of 30 LOS ANGELES -- The Los Angeles Rams approached the 2025 NFL draft with a roster already built for another playoff run they traded out of the first round and added depth at several positions But if there was a position of need for the Rams, it was cornerback -- a position Los Angeles did not address over the weekend. The Rams re-signed cornerback Ahkello Witherspoon in the offseason but did not add an outside free agent The Rams do also have 2023 first-round pick Emmanuel Forbes Jr. on the roster after he was released by the Washington Commanders in December and claimed by Los Angeles He played significant snaps in the Rams' regular season finale when they rested their starters but did not play in either playoff game A season after that trade -- the Rams received a third-round pick and tight end Hunter Long in the trade -- Ramsey signed a three-year extension with Miami that made him the highest-paid cornerback in NFL history In April, Dolphins general manager Chris Grier told reporters that the team was trying to trade Ramsey because doing so gives Miami the "best chance to help us win not only just this year Rams general manager Les Snead said he had spoken to Miami about a possible trade but that the sides had agreed to wait until after the draft Rams coach Sean McVay said "there are a lot of layers that would need to be worked out with a player of his magnitude and some of the different things that accompany that but you would never eliminate the possibility of adding a total stud and a guy that can do a lot of different things." While the Rams traded Ramsey in an effort to clear up cap space instead of eventually being the team to make him the highest paid cornerback at the time they have gotten their salary cap to perhaps the best spot it has been in years but that is the last year on the contract with guaranteed money The Dolphins could pay some of Ramsey's salary as part of the trade or Ramsey and the Rams could agree to an adjusted contract to make his cap hit easier to absorb Last season, Ramsey, who turned 30 in October, played in all 17 games for Miami, finishing with two interceptions, seven pass breakups allowing three touchdowns as the nearest defender, according to NFL Next Gen Stats. Among 59 cornerbacks with at least 50 coverage snaps, Ramsey ranked 32nd in passer rating allowed (89.8) when targeted as the nearest defender and 43rd in completion percentage allowed (65.7%) when targeted as the nearest defender. While the Rams' secondary improved as the season went on -- and after the team's 1-4 start -- Los Angeles' pass defense still ended the season ranked 25th in DVOA. On Saturday afternoon, McVay said the team is still going through the draft process, but reiterated the "tremendous amount of appreciation" the team has for Ramsey. "He and I have really stayed in touch," McVay said. "I know it's the same thing with [assistant head coach] Aubrey [Pleasant] and some of our other coaches. "There's a lot of familiarity, but we're probably in the same position when we talked about it the other day just because there are some things that we still need to take care of to be able to truly get through the draft from the totality of it all." ‘It came from a very innocent place,’ the ‘Last of Us’ star said Kit Harington has opened up about being deservedly “humiliated” by Bella Ramsey while filming Game of Thrones Ramsey, who currently stars in HBO video game adaptationThe Last of Us appeared in the fantasy series when they were just 11 a character whose confidence belied her years Lyanna shared the majority of scenes with the heroic Jon Snow Harington has revealed how his “arrogance” on set led to a rather humbling moment The actor admitted that he initially thought it would be easy to act “opposite some child” but swiftly discovered Ramsey had “a confidence and clarity that was quite unusual for a young actor” mouthed his lines to him when it became clear he couldn’t remember them “I do remember you helping me out, and it being quite humiliating,” he said in a joint chat with Ramsey for Interview Ramsey said they had “remorse” for their actions it came from a very innocent place of being like When Ramsey acknowledged that he must have found it “annoying” Harington disagreed – and said it made him want to improve If you sign up to this service we will earn commission This revenue helps to fund journalism across The Independent And then that child actor is wiping me off the screen.’” He said he had “got a bit too comfortable in my Jon Snow-ness” Harington previously opened up about how the violent and intense “nature” of Game of Thrones “directly” led to a breakdown “I went through some mental health difficulties afterThrones, and during the end ofThrones, to be honest,” the actor told SiriusXM’s The Jess Cagle Show in 2021. “I think it was directly due to the nature of the show and what I had been doing for years.” Harington, who stars in Industry, entered a wellness facility around the time the show finished filming in May 2019 and took a break from acting. COLORADO SPRINGS, Colo. — More than 28 years have passed since the murder of 6-year-old JonBenét Ramsey in Boulder but the daughter of one of the investigators is determined to keep working the case Cindy Marra's father was former Colorado Springs investigator Lou Smit Marra is a paralegal at a Colorado Springs law firm and is working off the spreadsheet Smit developed when he was brought out of retirement to help work the JonBenét Ramsey murder case Smit believed an intruder broke into the Ramsey home in Boulder in December of 1996 “We have been able to eliminate from our list probably 25 people based on DNA,” Marra said “We decided the best thing we could do is work off the spreadsheet he developed that had listed over 600 names and pieces of evidence that he thought were important to this case,” she said He just implored on everybody who would come to see him: 'Please don’t let this die.'" Marra made it her mission to fulfill her dad’s dying wish “I don’t think I would have done this for anybody else,” she said Retired Colorado Springs homicide detective and former El Paso County Sheriff John Anderson is part of a team of about a half dozen people helping Marra Their work is separate from the Boulder Police Department's Since a popular Netflix docuseries detailing JonBenét’s murder came out in November of 2024 Anderson said they have received several new leads Not all of those people were on Lou’s list,” Anderson said Marra’s team compares collected DNA to the DNA that was found under JonBenét’s fingernails and on her underwear when she was murdered That DNA belonged to an unidentified male that didn’t match any of JonBenét’s family members Marra said her team has shared information with Boulder police over the years Anderson said police have always been somewhat resistant to them “They told us right from the very beginning But he's hopeful that will change, especially afterJonBenét’s father John Ramsey met with Boulder's new Police Chief Stephen Redfearn in January pushing for DNA to be tested and re-tested using genetic genealogy told Denver7 he's feeling encouraged after meeting Boulder's new police chief for the first time Marra said she had not tried reaching out to Redfearn “We would be interested in doing that," she said "I think we are just kind of waiting to see what happens with John Ramsey’s meeting with the chief and what may become of that then it’s definitely going to be a lot faster than our method.” Marra believes a break in the case could come at any moment and she remains as determined as ever to find JonBenét’s killer The independent work comes with a hefty price tag and her team created a GoFundMe asking for support Denver7 is committed to making a difference in our community by standing up for what's right lending a helping hand and following through on promises many American workers worry about day-to-day expenses — covering mortgages or rents While focusing on these immediate challenges they also focus on their future by investing in 401(k) plans and IRAs (Individual Retirement Accounts) to ensure financial security during retirement and to navigate the unpredictability of the economy the bestselling personal finance author and radio host offers compelling comments in an exclusive interview with TheStreet about saving for retirement and building wealth in a rocky stock market.  but here is some important background first 💵💰Don't miss the move: Subscribe to TheStreet's free daily newsletter💰💵 Despite economic uncertainties, workers in the U.S. generally appreciate the value of retirement savings options like 401(k) plans and IRAs These tools remain an essential part of their financial strategy Participating in a workplace-sponsored 401(k) plan continues to be a dependable way to build retirement savings especially when employers provide matching contributions ensures regular contributions with minimal effort the maximum contribution limit for 401(k) plans has increased to $23,500 Workers aged 60 to 63 can take advantage of higher catch-up contribution limits of $11,250 People aged 50 to 59 have a limit of $7,500 IRAs offer diverse investment opportunities that may not be accessible through 401(k) plans IRAs require a greater level of involvement as account holders must set up the account and arrange automatic contributions independently with an additional $1,000 catch-up contribution available for people aged 50 and above Ramsey has some intriguing insights on markets and how they affect people's 401(k) plans and other investments Dave Ramsey speaks with TheStreet about personal finance issues The personal finance author and radio host discusses 401(k) plans and retirement savings in a volatile stock market Asked by TheStreet's Rebecca Mezistrano about market volatility Ramsey offered advice he would give to people who are struggling with fear and uncertainty "Investing in the consumer realm for your 401(k) and for long term wealth building the very word means have a long term time horizon meaning the stock market," Ramsey said "You and I know this because we watch it all the time. The stock market in a given week is a toddler throwing a temper fit." "The stock market over a decade is a wise old woman And so she's wonderful long term," Ramsey added "But you don't want to mess with her short term Nobody gets hurt on a roller coaster except those that jump off in the middle of the ride." Mezistrano asked Ramsey about people who are calling the current condition of the stock market a generational buying opportunity "I don't know if it's a generational buying opportunity but it's definitely a buying opportunity," Ramsey said "Any time the blue light is on and the sale sign starts flashing Previously, Ramsey has suggested that Roth IRAs are his favorite way to invest, citing flexibility and the fact that one can withdraw money after five years up to one's contributions with no penalties.  And once a person reaches 59-and-a-half years of age, they can make any tax-free and penalty-free withdrawals. Personal‑finance coach Dave Ramsey has a blunt message for workers fretting over market swings and shrinking 401(k) balances: your paycheck What Happened: In an interview with The Street Ramsey said Americans still view employer‑sponsored 401(k)s and IRAs as the backbone of retirement security especially when matched contributions stretch every dollar But the bestselling author and popular call-in radio show personality warned that debt and sloppy budgeting choke off the cash needed to invest "Your most powerful wealth‑building tool is your income," he said urging households to craft a zero‑based budget before each month begins Ramsey's recipe is straightforward: hammer down debt, funnel freed‑up cash into a 401(k) and Roth IRA and let broad‑based mutual funds compound over decades "No one wins on accident," he added See also: Dave Ramsey Tells Couple With $300,000 Income They Are ‘Broke People’, Refuses To Help: Here’s Why investors who stayed the course saw retirement balances rebound quickly "Turn off the TV," Ramsey advises “I’m a long-term investor,” Ramsey mentions the short-term temper tantrums I’m not going to get involved in a sign that workers still bet on tax‑deferred growth over time Ramsey's bottom line: Live on less than you make “If you learn to live on less than you make and you learn to invest and you stay out of debt and you do it with a plan — those are the keys of people that actually become wealthy,” he said Read next: Dave Ramsey Says Doctors And Lawyers Are Like Actors, Notoriously Bad With Money — ‘Just Because You Make A Lot Doesn't Mean You're Winning' Benzinga does not provide investment advice Posted In: Financial AdvisorsPersonal Finance401(k)Dave RamseyBenzinga simplifies the market for smarter investingTrade confidently with insights and alerts from analyst ratings free reports and breaking news that affects the stocks you care about and trade ideas delivered to your inbox every weekday before and after the market closes.