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Since 2018, Colorado taxpayers have benefited from two reductions to the state income tax that together have brought the rate from 4.63% to 4.4%, for an aggregate reduction of 0.23%. These reductions have been much heralded by state government leaders and have elicited approving comments from a wide range of observers. The applause for these tax cuts, however, has obscured a separate tactic that state leaders increasingly have used to extract revenue from Coloradans in amounts that dwarf the income tax reductions. During the last two decades, Coloradans have seen a steady increase in the fees paid to a wide range of state enterprises. The pattern has accelerated dramatically since 2018. According to a recent Common Sense Institute study, fee-based revenue to enterprises has increased since 2018 by an amount equivalent to a 0.51% increase in the state income tax — so, more than double the recent tax cuts. If Colorado’s fee enterprises, minus higher education, were instead funded by the state income tax, the state income tax would increase to 7.68%, a 75% increase over the current rate of 4.4%. Why the transition to fee-based revenue? In part, because it enables legislators to raise revenue, and spending, without obtaining voter approval. Under Colorado’s Taxpayer Bill of Rights (TABOR), a part of Colorado’s state constitution since 1992, voter approval is required for tax increases and for spending that exceeds population growth plus inflation. Since TABOR was enacted, voters at the county and municipal level have in fact, on hundreds of occasions, approved tax increases and spending that exceeded these limits, and in 2005, voters statewide approved a five-year suspension of TABOR to fund education, health care, and transportation. In these instances, proponents of increased taxing and spending successfully advocated to voters. In other words, TABOR yielded a dialogue between voters and their elected representatives, in which elected representatives earned the trust of citizens to tax and spend in excess of normal constitutional limits. But by collecting revenue via fee-based enterprises, leaders circumvent the requirement for voter approval, and avoid this dialogue. Under TABOR, an “enterprise” is a government–owned business that receives revenue in return for the provision of a good or service. Enterprise fees do not require voter approval. Nor does enterprise fee revenue count toward the TABOR limit calculation. Thus, the revenue can be spent without triggering the requirement for voter approval of spending increases that are in excess of population growth plus inflation — or the requirement for taxpayer refunds if voters say no. To say that fee-based enterprise revenue has increased is a dramatic understatement. The first year after the passage of TABOR, there were four enterprises generating $742 million. As of 2023, there were 27 state enterprises, and their revenue had increased by over 3000%, far beyond population growth plus inflation, to $23.3 billion. Voters’ attempts to limit enterprise growth generally have been unsuccessful. Proposition 117, passed in 2020, required new enterprises projected to generate revenue above $100 million over their first five years to receive voter approval. Undeterred, the Legislature’s response was to establish eight enterprises and expand an existing enterprise. In a seeming attempt to skirt Proposition 117 requirements, four of these enterprises were created in the same 2021 bill, with revenue raised by each enterprise calibrated to fall just short of the $100M threshold that would have triggered the requirement for voter approval. Surprisingly to supporters of Proposition 117, the bill survived judicial challenge. All told, the expansion of enterprises since 2020 cost Coloradans $88.3 million in 2023. The massive growth of fee-based enterprises is of concern for at least two reasons. First, the growth of enterprise fees has occurred in concert with other cost increases impacting Colorado families and businesses. These include substantial increases in the cost of housing, insurance rates, and regulatory costs, as well as a sharp rise in property taxes, each of which are analyzed in Common Sense Institute reports published in 2023 and 2024. Property taxes, which will continue to increase despite a recent legislative compromise, albeit at a slower rate, are particularly onerous because they essentially are a tax on unrealized capital appreciation. Together, these cost-drivers increasingly have helped make Colorado a more expensive place to live and do business. Net inward domestic migration has slowed, as explained in a recent Common Sense Institute report. A 2024 CNBC ranking of America’s top states for business ranked Colorado 46th out of 50 states in cost of living (a grade of F), and 39th out of 50 states in cost of doing business (a grade of D+), both five-year lows. So, while Colorado remains an attractive place to live and work, particularly for well-compensated professionals in sectors such as professional services and technology, the cumulative impact of costly policy choices risks undermining our state’s competitiveness. Second, the growth of fee-based enterprises increasingly has disenfranchised Colorado voters. In 1996, only 46% of state spending was TABOR exempt ($5,027 per Coloradan in 2023 dollars), but in 2023, in large part due to the growth of enterprises, 71% of state spending was exempt, amounting to $8,442 per Coloradan. As increasing percentages of revenue generation and spending circumvent voter approval, citizens are losing an important input into how leaders are raising and spending revenue taken from family and business budgets. Given the chance, voters would perhaps have approved the creation of so many enterprises, the associated fees, and the increased spending. Or perhaps not. But Colorado’s leaders denied voters the opportunity to review these decisions. This disenfranchisement of voters has been exacerbated in recent legislative sessions by another development that reduces TABOR refunds. In the 2024 legislative session, for example, over 100 bills were introduced that would diminish TABOR refunds by redirecting funds toward targeted tax credits, tax incentives, and/or transfer payments. Collectively, the bills that did pass are projected to cut TABOR refunds by $3.5 billion over three years, a 55% cut. Perhaps voters would have approved these transfers as sound policy, if given the opportunity. But we will never know. What is clear is that legislators substituted their judgment for voters’ judgment regarding how to spend substantial sums that would otherwise have been refunded to taxpayers. TABOR refunds were transformed into TABOR redistributions. This stifling of taxpayer input would be less troubling if legislative actions appeared mostly in sync with public opinion on fiscal matters. But that might not be the case. To begin with, TABOR is popular; for example, a 2024 poll by the nonpartisan Colorado Polling Institute found 69% of respondents felt that instituting TABOR, with its revenue limits, refunds, and requirement that voters approve tax increases, was a “good thing.” Further indications that voters are less than satisfied with legislative actions regarding revenue generation and spending include the failure of Proposition CC in 2019; the passage of Proposition 117 in 2020; the strong rejection of Proposition HH in 2023, and the pressure of looming tax-cut ballot measures in driving the legislative compromise on property taxes in 2024. Colorado leaders would be wise to carefully consider the net impact of their actions in driving up costs for Coloradans, and how those costs impact our competitiveness. Colorado voters and interested outside observers, meanwhile, should consider the aggregate impact of our leaders’ policy choices. Income tax cuts are a positive, but in Colorado they do not tell the whole story of government’s impact on family and business budgets. Lang Sias, who represented District 27 in the Colorado state House from 2015 to 2019, is a Mike A. Leprino Fellow with the Common Sense Institute. He has served in the Navy as a fighter pilot and Topgun instructor and holds a master’s degree from the London School of Economics and a law degree from the University of Michigan.SouthState Corp lessened its holdings in JPMorgan Chase & Co. ( NYSE:JPM – Free Report ) by 0.1% during the 3rd quarter, according to its most recent Form 13F filing with the SEC. The fund owned 152,473 shares of the financial services provider’s stock after selling 81 shares during the period. JPMorgan Chase & Co. makes up about 2.2% of SouthState Corp’s investment portfolio, making the stock its 6th largest position. SouthState Corp’s holdings in JPMorgan Chase & Co. were worth $32,150,000 at the end of the most recent quarter. A number of other large investors have also recently made changes to their positions in JPM. Accredited Investors Inc. raised its stake in shares of JPMorgan Chase & Co. by 4.9% in the second quarter. Accredited Investors Inc. now owns 14,174 shares of the financial services provider’s stock valued at $2,867,000 after acquiring an additional 667 shares during the period. Sunburst Financial Group LLC grew its holdings in JPMorgan Chase & Co. by 5.0% during the 2nd quarter. Sunburst Financial Group LLC now owns 5,651 shares of the financial services provider’s stock valued at $1,143,000 after purchasing an additional 268 shares during the last quarter. Sageworth Trust Co raised its position in JPMorgan Chase & Co. by 37.9% in the 3rd quarter. Sageworth Trust Co now owns 2,860 shares of the financial services provider’s stock worth $603,000 after purchasing an additional 786 shares during the period. Mirae Asset Global Investments Co. Ltd. lifted its stake in JPMorgan Chase & Co. by 16.0% in the third quarter. Mirae Asset Global Investments Co. Ltd. now owns 692,809 shares of the financial services provider’s stock worth $143,594,000 after purchasing an additional 95,461 shares during the last quarter. Finally, Czech National Bank lifted its stake in JPMorgan Chase & Co. by 7.6% in the second quarter. Czech National Bank now owns 547,224 shares of the financial services provider’s stock worth $110,682,000 after purchasing an additional 38,548 shares during the last quarter. 71.55% of the stock is currently owned by institutional investors. JPMorgan Chase & Co. Price Performance Shares of JPM stock opened at $248.55 on Friday. The stock’s 50-day moving average is $223.14 and its 200 day moving average is $211.90. JPMorgan Chase & Co. has a 1-year low of $152.71 and a 1-year high of $249.15. The company has a debt-to-equity ratio of 1.27, a current ratio of 0.89 and a quick ratio of 0.89. The company has a market cap of $699.75 billion, a P/E ratio of 13.83, a PEG ratio of 3.55 and a beta of 1.10. JPMorgan Chase & Co. Increases Dividend The company also recently declared a quarterly dividend, which was paid on Thursday, October 31st. Shareholders of record on Friday, October 4th were issued a $1.25 dividend. This is a positive change from JPMorgan Chase & Co.’s previous quarterly dividend of $1.15. This represents a $5.00 annualized dividend and a yield of 2.01%. The ex-dividend date of this dividend was Friday, October 4th. JPMorgan Chase & Co.’s payout ratio is currently 27.82%. Analyst Ratings Changes Several equities research analysts have recently weighed in on the company. Deutsche Bank Aktiengesellschaft reiterated a “hold” rating and issued a $235.00 price target on shares of JPMorgan Chase & Co. in a report on Tuesday, September 3rd. Barclays increased their target price on JPMorgan Chase & Co. from $217.00 to $257.00 and gave the stock an “overweight” rating in a research note on Monday, October 14th. Wells Fargo & Company lifted their target price on JPMorgan Chase & Co. from $240.00 to $270.00 and gave the stock an “overweight” rating in a research report on Friday, November 15th. Royal Bank of Canada upped their price target on shares of JPMorgan Chase & Co. from $211.00 to $230.00 and gave the stock an “outperform” rating in a report on Monday, October 14th. Finally, Robert W. Baird downgraded shares of JPMorgan Chase & Co. from a “neutral” rating to an “underperform” rating and set a $200.00 price target on the stock. in a research note on Thursday, November 7th. Two analysts have rated the stock with a sell rating, eight have issued a hold rating and ten have given a buy rating to the stock. According to data from MarketBeat.com, the stock presently has a consensus rating of “Hold” and an average price target of $229.31. View Our Latest Stock Report on JPMorgan Chase & Co. JPMorgan Chase & Co. Company Profile ( Free Report ) JPMorgan Chase & Co operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. Featured Articles Receive News & Ratings for JPMorgan Chase & Co. Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for JPMorgan Chase & Co. and related companies with MarketBeat.com's FREE daily email newsletter .

Romanian PM ahead in first round of presidential voteCanada introduced seven major changes to its international student route in 2024 which aligns with the government’s aim of scaling back the number of temporary residents. The major changes include updates, closures, caps and new rules. For example, there were updates on the eligibility criteria for post-graduation work permits (PGWPs), cost of living requirement, and regulations for open work permits for spouses of students. In addition, there were caps on study permit applications, as well as stricter rules for study permits and off-campus work hours for international students. Additionally, the student direct stream and the Nigeria student express route were closed in 2024. Marc Miller, Canada’s Immigration Minister had this to say about the adjustments to its temporary resident pathway: “To be clear, all newcomers are valued in Canada. They contribute to Canada’s economic, social and cultural fabric. Our economic future depends on those we bring to Canada”. “But we also need to recognize that this can impact communities, such as the increases in unemployment amongst youth and newcomers... for the first time in Canadian history, we will include targets for temporary residents in addition to permanent residents in our annual immigration levels planning”. “First, we will reduce the target on study permits issued by 10 percent in 2025 and 2026 compared to 2024. This means we aim to issue up to 437,000 study permits in both 2025 and 2026, which would represent about a 36 percent decrease from 2023”. Here are some of these changes in detail: Curriculum licensing agreements: Starting in September, international students in programs under a curriculum licensing agreement were no longer eligible for PGWPs. The deadline for this change was later moved up to May 15. Three-year PGWPs for master’s degree students: Graduates of Master’s degree programs became eligible for three-year work permits from February 15. This benefits students with shorter programs, giving them more time for work experience and potential permanent residency. Language requirements for PGWP applicants: From November 1, PGWP applicants had to meet specific Canadian Language Benchmark (CLB) scores—7 for university graduates and 5 for college graduates. Field of study requirements for PGWP eligibility: From September 18, only students graduating from fields linked to long-term occupational shortages were eligible for PGWPs. This does not apply to Bachelor’s, Master’s, or Doctoral graduates from universities. The fields of study linked to fields with long-term shortages are Agriculture and Agri-food, Healthcare, Science, Technology, Engineering, and Mathematics (STEM), Trade and Transport. International students who applied for study permits before November 1, 2024, are exempt from the field of study requirements for PGWP eligibility. However, if they apply for a new study permit after this date, such as when changing schools or programs, the field of study requirement will then apply. Updated cost of living requirement As of January 1, 2024, IRCC increased the cost-of-living requirement for study permit applicants. The new requirement for a single applicant doubled from $10,000 to $20,635. Applicants must have these funds in addition to covering their first-year tuition and travel costs. This new requirement applies to all study permit applications received on or after January 1, 2024. Closure of the Student Direct Stream and Nigeria Student Express On November 8, IRCC announced the immediate closure of the Student Direct Stream (SDS). Launched in 2018, SDS aimed to expedite study permit applications for students from 14 countries, including India, China, Pakistan, and the Philippines, with a standard processing time of 20 calendar days. However, typical processing times vary by country, often taking much longer. For example, the current processing time for a study permit from Pakistan is 10 weeks. Simultaneously, IRCC also terminated the Nigeria Student Express (NSE) program, which provided a similar expedited service for Nigerian applicants. Cap on study permit applications On January 22, Immigration, Refugees and Citizenship Canada (IRCC) announced a new intake cap for international student study permit applications. This cap is expected to result in approximately 360,000 approved new study permits for 2024, representing a 35 per cent decrease from the previous year. In April, Marc Miller, Canada’s Immigration Minister, clarified that the target for approved study permits in 2024 is 485,000. The figure of 360,000 accounts for the anticipated 97,000 extension applications and includes a buffer for other variations. On September 18, IRCC announced a further reduction in the number of study permits for 2025, based on a 10 per cent decrease from the 2024 target of 485,000. Therefore, 437,000 study permits will be issued in 2025. The Immigration Levels Plan for 2025-27, released in October, outlined targets for temporary residents, including international students, arriving in 2025, 2026, and 2027. The target for new international student arrivals in 2025 is set at 305,900. This applies only to new arrivals and does not include study permit renewals or extensions for students already in Canada. Stricter rules for study permits To manage the new intake cap for international student study permits, IRCC introduced Provincial Attestation Letters (PALs) on January 22, 2024. These letters, issued by provinces and territories, verify that an international student has a credible admission and falls within the new cap limits. As of January 22, 2024, all study permit applications require an attestation letter. However, in March, IRCC announced exemptions for specific student categories. PALs are necessary for most post-secondary applicants, non-degree granting graduate programs, and any international student not on the exemption list. Exemptions include primary and secondary school students, Master’s or doctoral students, in-Canada visiting or exchange students at a Designated Learning Institution (DLI), existing study and work permit holders, and family members of permit holders. Additionally, students already approved for a study permit or whose applications were received before January 22, 2024, at 8:30 am EST are exempt. On September 18, IRCC also mandated that Master’s and PhD students must obtain PALs. New requirements for international students changing schools On April 29, the temporary pandemic measures allowing international students to work over 20 hours per week ended. The pre-pandemic limit of 20 hours per week off-campus during academic terms was reinstated but increased to 24 hours per week from November 15. As of November 15, international students wishing to change schools needed to apply for a new study permit. Previously, students could change schools on the same permit by updating their status online. As of December 13, international students transferring schools for winter or spring 2025 could start studying before receiving a new study permit, provided they applied for it. It was re-iterated that college and university vocational students change programs and apply for a new study permit after November 1 must meet field of study requirements. Updated regulations for open work permits for spouses On January 22, IRCC introduced new restrictions on spousal open work permits for international students. These permits are now limited to spouses of students enrolled in Master’s and Doctoral programs. Previously, spouses of students in college and undergraduate programs were eligible. As of March 19, a new policy was implemented, with IRCC also announcing exceptions for specific undergraduate programs. Spouses or partners of students in professional degree programs in the medical, and engineering fields and education degrees at a university remain eligible for spousal open work permits. These fields and programs are: – Doctor of Dental Surgery (DDS, DMD) – Bachelor of Law or Juris Doctor (LLB, JD, BCL) – Doctor of Medicine (MD) – Doctor of Optometry (OD) – Pharmacy (PharmD, BS, BSc, BPharm) – Doctor of Veterinary Medicine (DVM) – Bachelor of Science in Nursing (BScN, BSN, BNSc) – Bachelor of Education (B. Ed.) – Bachelor of Engineering (B. Eng., BE, BASc) In September, Further restrictions were announced, limiting open work permit eligibility to spouses of Master’s degree students enrolled in programs lasting at least 16 months. This policy has not yet come into effect.

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2024 has been a great year for high-growth stocks. The Nasdaq-100 Index is up 23.4% year to date, with many stocks flying more than 100%. Recent investor favorite Celsius Holdings ( CELH 0.90% ) has not followed this trend. The disruptive energy drink brand is down 70% from highs this year after seeing a massive slowdown in sales. After achieving over 10% market share in the energy drink category in the U.S., Celsius stock rocketed more than 40,000% in 10 years, making it one of the best-performing stocks of the last decade. Now, with its market cap slipping to $6.6 billion, investors are getting nervous about further short-term losses for Celsius stock. For smart investors who care about the long term, these falling stock prices can present fantastic buying opportunities for historically strong growth stocks. Here's why now is a great time to buy the dip on Celsius stock. A healthier energy drink future Celsius disrupted the energy drink market over the last 10 years by embracing sugar-free drinks. Its drinks, which are also infused with vitamins, are marketed as a health beverage. This positioned the traditional energy drink competitors with an unhealthy brand connotation. Embracing gym goers, women, and younger people, Celsius has consistently grown its market share in the energy drink category while also expanding the overall category. Celsius is not only competing with Red Bull, but also coffee, soda, and fruit juices. So far, the company has succeeded mightily with this strategy. Revenue was $1.37 billion over the last 12 months, up from under $100 million five years ago. Management estimates it has 11.8% market share in the U.S., taking share from the traditional players Monster Beverage and Red Bull. Now, it is taking this success in the U.S. and expanding internationally. It has entered the Canadian, U.K., Australian, and French markets over the last year or so, with plans for more countries in the coming years. International revenue grew 37% year over year last quarter to $18.6 million. Understanding the Pepsi distribution headwind Seeing these massive growth figures, investors may be wondering why Celsius stock has fallen 70% from highs set earlier this year. It all comes down to recent revenue growth figures and worries about the next few years. In 2022, Celsius signed a distribution deal with PepsiCo . For the majority of sales in the U.S. -- with options to sell internationally -- Celsius will be selling into the Pepsi distribution network. Pepsi will then sell Celsius inventory into retail channels. During the beginning of the deal, Pepsi ordered as much Celsius as it could to catch up with its rapidly gaining market share. However, in recent quarters Pepsi realized that it had over-ordered Celsius inventory and is now normalizing these figures, which caused Celsius' revenue to fall 33% year over year in the third quarter. This 33% revenue drop is obviously not something to ignore, but it does not mean Celsius is suddenly falling out of favor with consumers. It has maintained its 10%+ market share of the energy drink category, with year-to-date retail sales (i.e., the sell-through to actual customers) through the first three quarters already higher than all of 2023. Orders to Costco grew 15% in the third quarter, while orders to Amazon grew 21%. I mention all of these data points to contextualize Celsius' revenue drop. This is a temporary concern and should normalize sometime in 2025. By then, the company will be growing along with its retail sales to customers once Pepsi stops under-ordering inventory in its distribution network. CELH Revenue (TTM) data by YCharts Is the stock a buy? A 33% revenue drop for Celsius is scary, and clearly a lot of investors have been frightened away from the stock. However, if you still believe in the long-term viability of the Celsius brand, a share price below $30 looks appetizing. Celsius has put up strong revenue growth in the last five years, up 1,720%. That will assuredly slow over the next five years but it still has room to steadily grow. Through steady market share gains past 10%, overall category growth, and pricing power, I think it is feasible for Celsius' revenue to double over the next five years. That would bring annual sales to around $2.75 billion. Using Monster Beverage as a barometer, Celsius should be able to achieve 25% profit margins once the business matures, equating to $690 million in annual earnings power in five years. Compared to a current market cap of $6.6 billion, Celsius would have a price-to-earnings ( P/E ) ratio of less than 10 in five years. I think the stock will trade at a much higher P/E in five years. For this reason, the stock looks like a great buy-the-dip candidate as the company gets ready to return to double-digit revenue growth in 2025.When life gets tough, many of us find it hard to lift our voices in praise. Honestly, during challenging and painful times, praise often feels like the last thing we want to do. It’s easy to let our emotions dictate our response, but as believers, we are called to live differently. We are meant to praise God not only when things are going well, but especially in our most difficult moments. It's during these struggles that our praise can have the greatest impact. The story of Paul and Silas in Acts 16 serves as a powerful testament to this truth. In Acts 16, we see Paul and Silas facing severe consequences after freeing a slave girl from a spirit of divination. If you’ve never read the story, I encourage you to check it out; it’s pretty cool. Instead of receiving gratitude, they were beaten and thrown into the innermost prison, their feet locked in stocks. In that dark place, they had every reason to complain or fall into despair. I’m sure you’ve been there before, in a dark season where you feel stuck and see no way out. Yet, at midnight, they made a bold choice: they began to pray and sing hymns to God. Their decision to worship — a deliberate act of faith — stands in stark contrast to the natural inclination to grumble when faced with hardship. As Christians, we must recognize two essential truths when navigating trials. First, spiritual opposition is a part of our journey. The Christian life isn’t a cruise ship; it’s more like a battleship. Facing challenges comes with the territory, and understanding that we’re in a spiritual battle equips us to withstand those difficulties. Second, trials are not random; they are part of God’s divine plan. Like Paul and Silas, we will encounter obstacles, but these experiences are tailored for our growth and provide an opportunity to glorify God. Through these trials, God teaches us resilience and deepens our faith. When we choose to praise in the midst of adversity, we activate a powerful force. The praise of Paul and Silas was the sound of hope in the den of despair, leading to an incredible miracle—an earthquake that opened doors and unfastened their chains. Their worship wasn’t just a way to cope; it became a catalyst for God’s power to break through. This profound act of faith not only liberated them but also captivated the attention of the jailer, who soon sought salvation, bringing his entire household to faith. I imagine that God and the angels of heaven looked upon these men, amazed that they approached their situation as Job did. Do you remember Job’s words? He said, “Though He slay me, I will hope in Him.” Throughout the Scriptures, we find many instances where people could have easily given up, blamed God for their situation, and abandoned their walk with Jesus. But not Paul and Silas. They followed in the same steps of faith and praised God in the middle of their suffering. How about you? How do you handle the pain of life? How do you deal with unexpected changes in your plans? How do you behave when things go in a completely opposite direction from what you expected? I wish I could say I’ve never grumbled or complained or had a lousy attitude when I was in a bad place, but I’d be lying. Over and over again, I’ve failed the test and had to repent for my perspective. My feelings are real. Your feelings are real. Life hurts—I get it. But here’s the thing: we haven’t been called to live by our feelings; we’ve been called to live by faith and to learn to praise in the middle of our prison seasons. By God’s grace, we learn to adopt a new perspective—one that humbly admits that we don’t have the right to get sour when God has been so good to us. Let me ask you: has God been good to you? I wonder what would happen if you chose to thank Him and praise Him when it’s the last thing you felt like doing. I’m willing to bet you would find the foundation of your situation changing, just as Paul and Silas experienced their prison walls shaking and soon discovered the freedom that comes from breaking the shackles of negativity. As we reflect on our lives, let’s consider the “prisons” we may be facing. What burdens can we break free from through praise? How can we intentionally offer thanks even when it's challenging? The discipline of praise is not just about enduring tough times; it’s about actively choosing gratitude in the face of adversity. By lifting our voices in worship, we honor God, demonstrate our faith, and hopefully inspire those around us to do the same. In every season, let us remember the power of praise—it can transform our struggles into stepping stones toward deeper faith and new opportunities for witnessing God’s goodness.

When Jennifer Ogg signed up an Ironman race in Cozumel, Mex., she had no idea that months later, she’d get the call to be inducted into the Canadian Boxing Hall of Fame. The retired officer with the London Police Service couldn’t attend the ceremony Saturday in Sarnia, Ont., but told CTV News she’s both sad and thrilled at the same time. “I wish I could be there, but to have my name alongside guys like Troy Ross, it's a definitely a huge honour and a celebration for those who helped me get there,” said Ogg. Ogg is one of Canada’s all-time great female boxers. She is a four-time national champion and finished her career with a 69-7 record, including 14-1 in international bouts. Ogg became the first female boxer in Ontario to win a World Amateur Championship when she captured the title in 2002 in Antalya, Tur. London boxer Jennifer Ogg celebrates a World Championship gold medal in 2002 in Antalya, Turkey (Source: Jennifer Ogg) “When they announced to the team (in 2002), I wasn't on the list at first which was devastating,” said Ogg. “But Tom Hennessey (Bluewater Boxing Club President) contacted Boxing Canada and made a deal with them. He said if I didn't medal, that he would foot the bill, but if I did medal, that they (Boxing Canada) would pay. I was accepted and I had five fights.” Hennessey recalls he road to the World title. “It was her will to win and her will to fight,” said Hennessey, who is a board member with Boxing Canada, was chair of the Boxing Canada elite and under-23 national championships in Sarnia. “She broke her hand just before the championships but that didn't hold her back. She trained with one hand. Once she healed, she went over there and had five bouts in six days and won the gold medal.” Ogg was among a star-studded class of inductees. She goes into the hall with seven former Olympians Jamie Pagendam, Raymond Downey, Howard Grant, Domenic Figliomeni, Egerton Marcus, Troy Ross and coach Colin MacPhail. Ogg recalled how she discovered the sport. “I was working one night, and I happened upon the All-Nations Boxing Club on Glebe Street,” said Ogg. “Frank Rodriguez had a club and that's how it all started.” She would train there, then started working with Darryl Walker in St. Thomas, before moving to Bluewater Boxing in Sarnia. “Jen was born and raised in the London area, but she came here to train,” said Hennessey. “She would come down here at 5 a.m. and train and go to work in London and then come back at 5 p.m. and train. She did that all the way through to the World Championships. She is a rare breed of an individual that comes along every now and then.” Ogg was also a top three finalist, alongside Catriona Le May Doan and Beckie Scott, for Canadian Female Athlete of the Year. “When I won the gold (in 2002) it was it was amazing,” said Ogg, who is now the president of Boxing Ontario. “We were rushed into drug testing, and I just wanted to get on the phone and call everybody. I remember calling mom and dad, and it was amazing. A lot of my friends met me at the airport when I went home, and it was the best moment of my life.” Olympic cousins inducted Among those in attendance for the ceremony were cousins Egerton Marcus and Troy Ross. Both of them were enshrined. Cousins Troy Ross (left) and Egerton Marcus were inducted into the Canadian Boxing Hall of Fame on Saturday, Nov. 23, 2024 in Sarnia, Ont. (Brent Lale/CTV News London) “When I started, I was training with my uncle, and Troy was my little cousin behind me,” said Marcus, a silver medalist in 1988 in Seoul, South Korea. “He was one of the toughest ones because he had two brothers, and they were bigger than him. To be honoured like this and go into the hall of fame with him is amazing.” Ross is a two-time Olympian and Commonwealth Games silver medalist. Hall of Fame boxer Troy Ross signs a glove which was put up for auction (Brent Lale/CTV News London) “This is a legacy,” said Ross. “There are so many other fighters that paved the way for today. To be on a plaque with legends like Lennox Lewis, my cousin Egerton Marcus, guys that I've looked up to in the sport for so many years and trying to get to what they have done in the sport, and now being able to be inducted into the Canadian Boxing Hall of Fame, it’s just actually surreal.” Ross is also known for acting in several movies. He played opposite Russell Crowe in Cinderella Man in 2005, Resurrecting the Champ in 2007 with Samuel L. Jackson and in Phantom Punch in 2008. “The good thing about acting is that we're acting and it's not real hard punches,” said Ross. “There are punches being thrown and there's punches being landed, but they’re nothing like what's in the ring. Working with Russell Crowe, he is a great actor and just being able to work alongside him was amazing. He took us under his wing, and just being able to work with him and to see the other side of acting was amazing.” The induction ceremony took place Saturday night between championship fights. The inductees called it a “full circle moment” as they were being honoured, the next generation of fighters were battling in the ring. 2024 Canadian Olympic Bronze Medallist Wyatt Sanford was in Sarnia, Ont. supporting the young boxers competing in the National Championships (Source: Brent Lale/CTV News London) “it's an important event because it's a pathway and this is a new quadrennial,” said Hennessey. “We just had the Olympics in Paris, and now the next Olympics are in L.A. in 2028. This is the start of all these kids. 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A man called 911 for help during a home invasion. Las Vegas police fatally shot him A Las Vegas man called for police help during a home invasion before an officer fatally shot him, according to authorities and 911 calls. Scurvy resurgence highlights issues of food insecurity in Canada's rural and remote areas A disease often thought to only affect 18th century sailors is reemerging in Canada. These royal residences are opening their doors this Christmas Not so long ago, if you wanted to spend Christmas with the royal family, the only way to get close was to press your nose up to the TV screen during the monarch’s Christmas speech. Cat caught in hunting snare rescued by BC SPCA Donations are ramping up for a BC SPCA cat with a mangled paw after being caught in a hunting snare, one of a rising number of pets to fall prey to the hunting device. Jannik Sinner leads Italy past the Netherlands for its second consecutive Davis Cup Jannik Sinner clinched Italy’s second consecutive Davis Cup title and capped his breakthrough season by beating Netherlands' Tallon Griekspoor. Lotto Max jackpot hits $80M for second time ever The Lotto Max jackpot has climbed to $80 million for just the second time in Canadian lottery history. Montreal police chief expects additional arrests following anti-NATO protest Montreal's police chief says he expects more arrests stemming from a Friday anti-NATO protest that turned violent, with smashed windows and burned cars in downtown Montreal. Shopping Trends The Shopping Trends team is independent of the journalists at CTV News. We may earn a commission when you use our links to shop. Read about us. 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