ROCKVILLE, Md.--(BUSINESS WIRE)--Dec 5, 2024-- Argan, Inc. (NYSE: AGX) (“Argan” or the “Company”) today announces financial results for its third quarter of fiscal year 2025 ended October 31, 2024. The Company will host an investor conference call today, December 5, 2024, at 5:00 p.m. ET. Consolidated Financial Highlights ($ in thousands, except per share data) October 31, For the Quarter Ended: 2024 2023 Change Revenues $ 257,008 $ 163,755 $ 93,253 Gross profit 44,327 19,235 25,092 Gross margin % 17.2 % 11.7 % 5.5 % Net income $ 28,010 $ 5,464 $ 22,546 Diluted income per share 2.00 0.40 1.60 EBITDA 37,509 12,180 25,329 Cash dividends per share 0.375 0.300 0.075 October 31, For the Nine Months Ended: 2024 2023 Change Revenues $ 641,705 $ 408,779 $ 232,926 Gross profit 93,376 57,201 36,175 Gross margin % 14.6 % 14.0 % 0.6 % Net income $ 54,090 $ 20,340 $ 33,750 Diluted income per share 3.91 1.50 2.41 EBITDA 74,241 33,774 40,467 Cash dividends per share 0.975 0.800 0.175 October 31, January 31, As of: 2024 2024 Change Cash, cash equivalents and investments $ 506,282 $ 412,405 $ 93,877 Net liquidity (1) 280,977 244,919 36,058 Share repurchase treasury stock, at cost 102,746 97,528 5,218 Project backlog 800,000 757,000 43,000 (1) Net liquidity, or working capital, is defined as total current assets less total current liabilities. David Watson, President and Chief Executive Officer of Argan, commented, “Our third quarter revenues and earnings, each the second highest in Company history, reflect strong execution across all of our businesses, which drove consolidated revenues growth of 57% to $257 million, gross margin of 17.2%, net income of $28.0 million, or $2.00 per diluted share, and EBITDA of $37.5 million. Our power industry services segment had a particularly strong quarter as evidenced by revenue growth of 75% to $212 million with gross margin of 18.3%, demonstrating our ability to drive enhanced profitability on our renewable as well as on our natural gas projects. “Our backlog of $0.8 billion at the close of the quarter increased 6% compared to backlog entering fiscal year 2025, and includes $478 million of renewable projects, reflecting the market appeal of our energy agnostic capabilities and our ability to diversify our backlog mix. The industry is seeing strong demand for natural gas projects and we believe that our expertise, well-established industry relationships and reputation for enabling efficient and on-budget project completion provide a competitive advantage as we pursue new opportunities. “As we move through the close of our fiscal year, we are encouraged by the strengthening pipeline of planned energy facilities as the industry prepares for the anticipated unprecedented growth in power demand driven by data centers, reshoring of manufacturing operations and increased EV charger utilization. We believe our successful track record as an effective partner in the construction of both traditional and renewable power facilities position us well to capitalize on the current and future need for high quality energy resources to support the power grid.” Third Quarter Results Consolidated revenues for the quarter ended October 31, 2024 were $257.0 million, an increase of $93.3 million, or 57%, from consolidated revenues of $163.8 million reported for the comparable prior year quarter. The Company achieved increased revenues with heightened quarterly construction activities at several projects, including the Midwest Solar and Battery Projects; the Trumbull Energy Center, a large combined cycle, gas-fired power plant under construction near Lordstown, Ohio; the 405 MW Midwest Solar Project; and the Louisiana LNG Facility. The overall increase in consolidated revenues between quarters was partially offset by decreased construction revenues associated with the Guernsey Power Station project, the Shannonbridge Power Project and the ESB FlexGen Peaker Plants, as those projects have been completed. For the quarter ended October 31, 2024, Argan’s consolidated gross profit was approximately $44.3 million, or 17.2% of consolidated revenues, reflecting profit contributions from all three reportable business segments. The consolidated gross margin for the quarter reflects the changing mix of projects, strong execution and certain positive job closeouts. Last year, during the third quarter ended October 31, 2023, gross profit was negatively impacted by a loss on the Kilroot project, which reduced gross profit by approximately $10.7 million. Consolidated gross profit for the quarter ended October 31, 2023 was $19.2 million, or 11.7% of consolidated revenues. Selling, general and administrative expenses increased by $2.6 million to $14.0 million for the quarter ended October 31, 2024, from $11.4 million in the comparable prior year quarter. However, as a percentage of revenues, these expenses declined to 5.4% in the third quarter of fiscal 2025 as compared to 6.9% in the third quarter of fiscal 2024. Other income, net, for the three months ended October 31, 2024 was $6.6 million, which reflected income earned during the period on invested funds in the total amount of approximately $4.8 million. During the quarter ended October 31, 2024, the Company recorded income tax expense of $9.0 million, primarily due to consolidated pre-tax book income of $37.0 million. For the comparable period last year, the effective tax rate was higher primarily due to the unrecognized tax loss benefit related to the Kilroot project. For the quarter ended October 31, 2024, Argan achieved net income of $28.0 million, or $2.00 per diluted share, compared to $5.5 million, or $0.40 per diluted share, for last year’s third quarter. EBITDA for the quarter ended October 31, 2024 increased to $37.5 million compared to $12.2 million in the same quarter of last year. Argan maintained a substantial total balance of cash, cash equivalents and investments during the quarter. The total balances were $506.3 million and $412.4 million as of October 31 and January 31, 2024, respectively. Balance sheet net liquidity was $281.0 million at October 31, 2024 and $244.9 million at January 31, 2024; furthermore, the Company had no debt. First Nine Months Results Consolidated revenues for the nine months ended October 31, 2024 were $641.7 million, an increase of $232.9 million, or 57.0%, from consolidated revenues of $408.8 million reported for the comparable prior year period. For the nine months ended October 31, 2024, consolidated gross profit increased to approximately $93.4 million, which represented a consolidated gross margin of 14.6%, compared to consolidated gross profit of $57.2 million, or consolidated gross margin of 14.0%, reported for the nine months ended October 31, 2023. The gross profit percentage increased between periods primarily due to the changing mix of projects and contract types. Additionally, during the nine-month periods ended October 31, 2024 and 2023, gross profit was negatively impacted by a loss recorded on the Kilroot Project, which reduced gross profit by approximately $2.6 million and $11.5 million, respectively. Selling, general and administrative expenses increased by $5.4 million to $37.8 million for the nine months ended October 31, 2024, from $32.5 million in the comparable prior year period. However, as a percentage of revenues, these expenses declined to 5.9% from 7.9% between the periods. Other income, net, for the nine months ended October 31, 2024 was $17.0 million, which reflected income earned during the period on invested funds of approximately $14.0 million, as the weighted average balances of investments are meaningfully higher this year. The Company recorded income tax expense of $18.5 million for the nine months ended October 31, 2024 primarily due to corresponding consolidated pre-tax book income of $72.6 million. For the comparable period last year, the effective tax rate was higher primarily due to the unrecognized tax loss benefit related to the Kilroot project. For the nine months ended October 31, 2024, Argan achieved net income of $54.1 million, or $3.91 per diluted share, versus net income of $20.3 million, or $1.50 per diluted share, for last year’s comparable period. EBITDA for the nine months ended October 31, 2024 was $74.2 million compared to $33.8 million in the same period of last year. Conference Call and Webcast Argan will host a conference call and webcast for investors today, December 5, 2024, at 5:00 p.m. ET. Domestic stockholders and interested parties may participate in the conference call by dialing (888) 506-0062 and international participants should dial (973) 528-0011; all callers shall use access code: 925404. The call and the accompanying slide deck will also be webcast at: https://www.webcaster4.com/webcast/page/2961/51625 The conference call and slide deck may also be accessed via the Investor Center section of the Company’s website at https://arganinc.com/investor-center . Please allow extra time prior to the call to visit the site. A replay of the teleconference will be available until December 19, 2024, and can be accessed by dialing 877-481-4010 (domestic) or 919-882-2331 (international). The replay access code is 51625. A replay of the webcast can be accessed until December 5, 2025. About Argan Argan’s primary business is providing a full range of construction and related services to the power industry. Argan’s service offerings focus on the engineering, procurement and construction of natural gas-fired power plants and renewable energy facilities, along with related commissioning, maintenance, project development and technical consulting services, through its Gemma Power Systems and Atlantic Projects Company operations. Argan also owns The Roberts Company, which is a fully integrated industrial construction, fabrication and plant services company, and SMC Infrastructure Solutions, which provides telecommunications infrastructure services. Non-GAAP Financial Measures The Company prepares its financial statements in accordance with accounting principles generally accepted in the United States (“GAAP”). Within this press release, the Company makes reference to earnings before interest, taxes, depreciation and amortization (“EBITDA”), a non-GAAP financial measure. The Company believes that the non-GAAP financial measure described in this press release is important to management and investors because the measure supplements the understanding of Argan’s ongoing operating results, excluding the effects of capital structure, depreciation, amortization, and income tax rates. The non-GAAP financial measure referred to above should be considered in conjunction with, and not as a substitute for, the GAAP financial information presented in this press release. Financial tables at the end of this press release provide a reconciliation of the non-GAAP financial measures to the comparable GAAP measures. Safe Harbor Statement Certain matters discussed in this press release may constitute forward-looking statements within the meaning of the federal securities laws. Reference is hereby made to the cautionary statements made by the Company with respect to risk factors set forth in its most recent reports on Form 10-K, Forms 10-Q and other SEC filings. The Company’s future financial performance is subject to risks and uncertainties including, but not limited to, the successful addition of new contracts to project backlog, the receipt of corresponding notices to proceed with contract activities, the Company’s ability to successfully complete the projects that it obtains, and the Company’s effectiveness in mitigating future losses related to the Kilroot loss contract. Actual results and the timing of certain events could differ materially from those projected in or contemplated by the forward-looking statements due to the risk factors highlighted above and described regularly in the Company’s SEC filings. ARGAN, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF EARNINGS (In thousands, except per share data) (Unaudited) Three Months Ended Nine Months Ended October 31, October 31, 2024 2023 2024 2023 REVENUES $ 257,008 $ 163,755 $ 641,705 $ 408,779 Cost of revenues 212,681 144,520 548,329 351,578 GROSS PROFIT 44,327 19,235 93,376 57,201 Selling, general and administrative expenses 13,995 11,375 37,848 32,467 INCOME FROM OPERATIONS 30,332 7,860 55,528 24,734 Other income, net 6,646 3,733 17,044 7,222 INCOME BEFORE INCOME TAXES 36,978 11,593 72,572 31,956 Income tax expense 8,968 6,129 18,482 11,616 NET INCOME 28,010 5,464 54,090 20,340 OTHER COMPREHENSIVE INCOME, NET OF TAXES Foreign currency translation adjustments (957 ) (882 ) (1,933 ) (627 ) Net unrealized losses on available-for-sale securities (659 ) (427 ) (169 ) (1,147 ) COMPREHENSIVE INCOME $ 26,394 $ 4,155 $ 51,988 $ 18,566 NET INCOME PER SHARE Basic $ 2.07 $ 0.41 $ 4.04 $ 1.52 Diluted $ 2.00 $ 0.40 $ 3.91 $ 1.50 WEIGHTED AVERAGE SHARES OUTSTANDING Basic 13,530 13,328 13,398 13,381 Diluted 14,034 13,559 13,830 13,549 CASH DIVIDENDS PER SHARE $ 0.375 $ 0.300 $ 0.975 $ 0.800 ARGAN, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED BALANCE SHEETS (Dollars in thousands, except per share data) October 31, January 31, 2024 2024 (Unaudited) ASSETS CURRENT ASSETS Cash and cash equivalents $ 175,349 $ 197,032 Investments 330,933 215,373 Accounts receivable, net 131,660 47,326 Contract assets 44,620 48,189 Other current assets 34,579 39,259 TOTAL CURRENT ASSETS 717,141 547,179 Property, plant and equipment, net 14,147 11,021 Goodwill 28,033 28,033 Intangible assets, net 1,924 2,217 Deferred taxes, net 1,254 2,259 Right-of-use and other assets 6,365 7,520 TOTAL ASSETS $ 768,864 $ 598,229 LIABILITIES AND STOCKHOLDERS’ EQUITY CURRENT LIABILITIES Accounts payable $ 87,085 $ 39,485 Accrued expenses 78,393 81,721 Contract liabilities 270,686 181,054 TOTAL CURRENT LIABILITIES 436,164 302,260 Noncurrent liabilities 3,996 5,030 TOTAL LIABILITIES 440,160 307,290 STOCKHOLDERS’ EQUITY Preferred stock, par value $0.10 per share – 500,000 shares authorized; no shares issued and outstanding — — Common stock, par value $0.15 per share – 30,000,000 shares authorized; 15,828,289 shares issued; 13,569,104 and 13,242,520 shares outstanding at October 31, 2024 and January 31, 2024, respectively 2,374 2,374 Additional paid-in capital 168,441 164,183 Retained earnings 266,334 225,507 Treasury stock, at cost – 2,259,185 and 2,585,769 shares at October 31, 2024 and January 31, 2024, respectively (102,746 ) (97,528 ) Accumulated other comprehensive loss (5,699 ) (3,597 ) TOTAL STOCKHOLDERS’ EQUITY 328,704 290,939 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 768,864 $ 598,229 ARGAN, INC. AND SUBSIDIARIES RECONCILIATION TO EBITDA (In thousands) (Unaudited) Three Months Ended October 31, 2024 2023 Net income, as reported $ 28,010 $ 5,464 Income tax expense 8,968 6,129 Depreciation 433 489 Amortization of intangible assets 98 98 EBITDA $ 37,509 $ 12,180 Nine Months Ended October 31, 2024 2023 Net income, as reported $ 54,090 $ 20,340 Income tax expense 18,482 11,616 Depreciation 1,376 1,524 Amortization of intangible assets 293 294 EBITDA $ 74,241 $ 33,774 View source version on businesswire.com : https://www.businesswire.com/news/home/20241205082200/en/ CONTACT: Company: David Watson 301.315.0027 Investor Relations: John Nesbett/Jennifer Belodeau IMS Investor Relations 203.972.9200 argan@imsinvestorrelations.com KEYWORD: EUROPE UNITED STATES UNITED KINGDOM NORTH AMERICA MARYLAND INDUSTRY KEYWORD: OTHER ENERGY SUSTAINABILITY ALTERNATIVE ENERGY ENERGY TECHNOLOGY OTHER CONSTRUCTION & PROPERTY CONSTRUCTION & PROPERTY ENVIRONMENT OTHER COMMUNICATIONS ENGINEERING COMMUNICATIONS TELECOMMUNICATIONS MANUFACTURING SOURCE: Argan, Inc. Copyright Business Wire 2024. PUB: 12/05/2024 04:05 PM/DISC: 12/05/2024 04:05 PM http://www.businesswire.com/news/home/20241205082200/en1 / 11 Adani Group stocks | The Group's Founder and Chairman Gautam Adani and his nephew Sagar have been summoned to explain their stand on the US Securities and Exchange Commission (SEC) allegation of paying $265 million (₹2,200 crore) in bribes to secure lucrative solar power contracts. 2 / 11 Zomato | The company's shareholders have approved a proposal to raise capital through a Qualified Institutions Placement (QIP) to raise ₹8,500. The approval was granted via a special resolution passed through a postal ballot conducted through remote e-voting. The fundraising is meant to strengthen the balance sheet at this point, the company said in a filing. 3 / 11 HDFC Life Insurance Company | Private general insurer ICICI Lombard General said it has acquired a 0.19% equity stake in the company for ₹233 crore. The transaction, executed during market hours on November 22, 2024, was made through cash consideration. 4 / 11 Power utility firm CESC | Its unit Eminent Electricity Distribution has received a letter of intent (LOI) for the acquisition of 100% shares in a distribution company responsible for the electricity distribution and retail supply in the union territory of Chandigarh. The deal, valued at ₹871 crore and expected to be executed within 30 days. 5 / 11 Rail Vikas Nigam | The company has received a Letter of Acceptance (LoA) from Eastern Railway for an infrastructure project involving earthwork, bridge construction, and railway track laying. The contract is for a value of ₹837.67 crore. RVNL is leading the project through its joint venture with SCPL, holding a 74% share, while SCPL holds 26%. 6 / 11 RITES | The company has received revised estimates for its railway electrification project in the Lumding-Badarpur (LMG-BPB) section of the Lumding division, under Northeast Frontier Railway (NFR). The revised total cost for the turnkey project stands at ₹531.77 crore, excluding GST, which marks an increase from the original cost of ₹288.44 crore. 7 / 11 Cochin Shipyard | The company entered into a MOU with Seatrium Letourneau USA, Inc. (SLET) for the design and critical equipment for jack-up rigs for the Indian Market. This collaboration combines CSL's extensive expertise in ship construction and engineering with SLET's renowned design capabilities in offshore drilling technology. 8 / 11 VST Industries | The company said it has completed the sale of an immovable property located in Panjagutta, Banjara Hills, Hyderabad, to ViNS Bioproducts Ltd and others. The transaction, valued at ₹101.7 crore, involves the sale of approximately 2.7 acres of land along with existing structures. 9 / 11 Mahindra Lifespace Developers | The company's unit Mahindra World City Developers Ltd (MWCDL) has announced the second phase of its industrial parks project, Origins by Mahindra, in Tamil Nadu. The agreement entails an investment of ₹225 crore by MWCDL and Sumitomo in Mahindra Industrial Park Chennai Ltd (MIPCL) in proportion to their shareholding. 10 / 11 HG Infra Engineering | The company signed a Letter of Award (LoA) with NTPC Vidyut Vyapar Nigam Ltd under the tariff-based global competitive bidding process. Under the LoA, HG Infra will handle 185 MW/370 MWh of the total capacity at a tariff rate of ₹2,38,000 per MW per month. The project is valued at approximately ₹1,110 crore and has a completion timeline of 1.5 years. 11 / 11 Prakash Industries | The company has finalised the mining lease for the Bhaskarpara commercial coal mine in Surajpur district, Chhattisgarh. The lease, executed by the state government on November 21, 2024, has been registered today, granting the company coal mining rights for 30 years. Operational activities are set to begin with overburden removal next month, followed by coal extraction in the subsequent quarter.panasonic sr-fc188 u15 。

Man City squander three-goal lead in shocking draw with Feyenoord

SATURDAY'S BOWL GAMES

5 Awesome Gadgets No Snowboarder Should Go WithoutRené Bennett | (TNS) Bankrate.com If you’re an iPhone user, you might not realize that you already have access to Apple Cash. It’s a digital cash card that’s built into Apple devices and can be found in the default Wallet app. (Note: You must link an eligible debit card to use this service.) The main function of Apple Cash is to make it easier for Apple device users to send money to one another, including sending money through the iMessage app. But Apple Cash is more than just a peer-to-peer (P2P) payment service — it can be used to shop online, in stores or to make in-app purchases. Apple Cash is a convenient way to transfer money between friends and family. Once it’s set up, a user can simply open the iMessage app and send money to a contact through their chat. It’s also useful for those who use Apple Pay, a separate service that allows Apple device users to make contactless payments with any linked card, including an Apple Cash card. Here are some important things to know about setting up and using Apple Cash. How Apple Cash works Apple Cash is a digital cash card that’s stored in the Wallet app of Apple devices, and it can be used for making P2P payments, as well as purchases through Apple Pay. When you receive money from another Apple Cash user, that money appears in your Apple Cash balance. The balance can then be spent or transferred to a linked bank account or debit card. Sending money to peers with Apple Cash can be done either directly from the digital Apple Cash card (in the Wallet app) or through the iMessage app. You can send or receive anywhere between $1 and $10,000 per message. The money shows up on the recipient’s Apple Cash card instantly, but it may take from one to three days for the balance to be transferred to a bank account. Instant transfers to a bank account are possible, but it comes with a 1.5% fee. There’s also an option to set up Apple Cash Family for children who are under 18 years old. This option limits the amount a child can send to $2,000 per message. Those younger than 18 also cannot add money to their Apple Cash card from a bank account; rather, their balance only grows when they receive money from another Apple Cash user. Difference between Apple Cash and Apple Pay Apple Cash is a digital card within your Wallet that allows you to spend your Apple Cash online, in stores and in apps as well send and receive money. Apple Pay, however, allows you to make purchases using any credit card or debit card you have stored in your Wallet — including Apple Cash. With Apple Pay, you add credit and debit cards to your Wallet and then have the ability to pay right with your phone (or other Apple product). How to use Apple Cash 1. Set up Apple Cash with a compatible device To set up Apple Cash, you’ll need three things: —A compatible Apple device. —Two-factor authentication enabled for your Apple ID (this can be done in Settings). —An eligible debit card to load funds onto the Apple Cash card. In the Settings app, you can turn on Apple Cash in the Wallet and Apple Pay section. Tap on the Apple Cash card icon and follow the instructions on the screen. You’ll be asked to agree to the terms and conditions, after which your device will set up Apple Cash for you. The Apple Cash card, once set up, can be found in your device’s Wallet app. If you want to set up Apple Cash Family, you’ll first need to have Family Sharing turned on, which can be done in Settings. The family organizer can add children to Apple Cash in the Family Sharing section of Settings. 2. Add money to your card You’ll need to have a debit card linked to your digital Wallet to add money to an Apple Cash card. You can add a debit card to Wallet in the same place where you set up Apple Cash — the Wallet and Apple Pay section of Settings. Once a debit card is linked to your Wallet, open Wallet and tap on the Apple Cash card. Then, tap the More button (an icon with three dots). This will open a page where you can see your Apple Cash balance, add money and transfer funds to a bank account. Tap Add Money and enter the amount you’d like to add (the minimum is $10). You’ll be asked to confirm which debit card you want to use to fund the Apple Cash balance, and then the money is added to the Apple Cash card. 3. Send a payment There are two ways to send a payment to someone using Apple Cash: directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money. From your Apple Wallet To send money from Wallet, simply tap the Apple Cash card in Wallet and then tap Send. Type in the contact name or phone number of the recipient. Enter the amount you’d like to send (between $1 and $10,000), then review the payment and confirm it with Face ID, Touch ID or a passcode. Via iMessages In iMessage, open the conversation with who you’d like to send money to, or start a new one. Tap on the app button, which appears next to the type bar, and then tap on the Apple Cash icon. You’ll be prompted to enter an amount (between $1 and $10,000). Once you’ve reviewed the amount, tap Send and confirm with Face ID, Touch ID or a passcode. The first time money is sent to someone, the recipient will need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted. If you’re using Apple Cash to make a purchase either online or in a store, you’ll need to pay using Apple Pay. 4. Request money To request money from your iPhone, open the conversation in the Messages app. Tap the plus icon, followed by Apple Cash. Then, tap Request. Tap the send button to send your payment request. Once the request is sent, the person you sent it to can confirm or change the amount they send to you. You can also request money from your Apple watch. Open your messages app, choose a conversation, tap the plus icon and then choose Apple Cash. Once you enter the amount you are requesting, swipe left on the Send button. Tap Request. 5. Transfer your balance to a bank account As you start to accumulate money on the Apple Cash card, you may want to move it to a debit card or a bank account . This can be done by going to the same place where you added funds to the card, by clicking the icon with three dots next to your digital card. Related Articles Technology | Triple fatal Cybertruck crash in East Bay being reviewed by feds Technology | Home entertainment holiday gift ideas at a discount Technology | Are you tracking your health with a device? Here’s what could happen with the data Technology | How to get started with Bluesky Technology | 23andMe, tech companies disclose hundreds of Bay Area job cuts Enter an amount to be transferred, then tap Next. You’ll be asked whether you want to do an instant transfer (for a 1.5% fee) or a transfer in one to three business days for free. After making a selection, the screen will instruct you to set up a bank account if you don’t already have one set up. You’ll confirm the payment, and the transfer is initiated. Instant transfers can only be made to an eligible debit card, not a bank account. Money is sent within 30 minutes when you select instant transfer. Alternatives to Apple Cash —Zelle: If your bank is offers Zelle, it might be a good idea to take advantage of the P2P payment service. Zelle can be accessed directly from your bank’s mobile app, and it allows you to send instant transfers at no extra cost. —Venmo: Anyone can use Venmo, as long as they’ve downloaded the app. Unlike Apple Cash or Zelle, it’s a standalone P2P payment app. Venmo comes with a social element — users can follow each other and add fun emojis to their payments, although they can also keep their account activity private. —PayPal: This P2P payment service is a good option if you want to send money internationally. It also offers a PayPal Debit card, which, like the Apple Cash card, can be used to make purchases online or in stores. —Samsung Pay Cash: Samsung device users can use this option instead of Apple Cash. Similar to Apple Cash, it is a digital wallet that you can access from a Samsung mobile device. However, to take full advantage of Samsung Pay Cash, users will need to undergo an extra registration process to upgrade to a Full Card Account. Bottom line Apple Cash makes it easy for Apple device users to send money to each other. Users can simply tap the Apple Cash icon in their text messages to send money through iMessage. It can also be used as an extra repository for spending money and can be used for purchases anywhere Apple Pay is accepted. With that said, only Apple device users can send and receive money using Apple Cash, so those looking for a more universal payment service may want to consider other P2P payment apps . ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

NoneORLANDO, Fla. — It was a season of Iowa State comebacks. And fittingly, that's how it ended for the Cyclones. Game MVP Rocco Becht scored from a yard out on fourth-and-goal with 56 seconds remaining and No. 18 Iowa State capped the best season in school history by rallying past No. 15 Miami 42-41 in the Pop-Tarts Bowl on Saturday. Becht finished with 270 passing yards and three touchdowns for Iowa State (11-2), a program that entered this season — the 133rd year of Cyclone football — never having won more than nine games in a year. “If you look at this team, it’s really who they’ve been all year,” coach Matt Campbell said. The win marked the fourth time in 2024 that Iowa State got a winning score with less than two minutes remaining. For this one, the Cyclones rallied from a 10-point deficit in the second half — with Miami quarterback Cam Ward watching after a record-setting first half — to get win No. 11. Carson Hansen rushed for a pair of touchdowns for Iowa State. And as the MVP, Becht got the honor of choosing which flavor Pop-Tart was to be sacrificed in a giant toaster. “There's only one,” Becht said. “Cinnamon roll.” Ward passed for three touchdowns in his final college game, while Damien Martinez rushed for a career-high 179 yards for Miami (10-3), which dropped its sixth straight bowl game and lost three of four games to end the season — those three losses by a combined 10 points. "Disappointed that we couldn't pull out a victory," Miami coach Mario Cristobal said. “These guys have always fought and always competed and this was no exception. ... It's painful. It's as painful as it gets when you don't win. But there's a lot to build on.” PINSTRIPE BOWL NEBRASKA 20, BOSTON COLLEGE 15: Dylan Raiola passed for 228 yards and a touchdown as Nebraska built an 18-point lead through three quarters and hung on for its first bowl victory since 2015. Raiola hit Emmett Johnson with a 13-yard TD pass on fourth down with 3:02 remaining in the third quarter for a 20-2 edge and the Cornhuskers (7-6) held on for the win at Yankee Stadium. Raiola completed 23 of 31 passes in front of a sizable Nebraska crowd that celebrated the team's first bowl win since topping UCLA in the 2015 Foster Farms Bowl and first winning season since 2016. Raiola completed passes to 10 receivers, including Jahmal Banks, who finished with four receptions for 79 yards. Grayson James finished 25 of 40 for 296 yards as Boston College (7-6). FENWAY BOWL UCONN 27, NORTH CAROLINA 14: Joe Fagnano threw for 151 yards and two touchdowns to help the Huskies (9-4) beat the Tar Heels (6-7) at Fenway Park, embarrassing incoming coach Bill Belichick's new team in his old backyard. Mel Brown rushed for 96 yards for UConn and Skyler Bell caught three passes for 77 yards, including a 38-yard touchdown that gave the Huskies a 10-0 first-quarter lead. Chris Culliver returned the ensuing kickoff 95 yards for a touchdown, but that would be Carolina's only production in the first half. NEW MEXICO BOWL TCU 34, LOUISIANA 3: Josh Hoover passed for four touchdowns as the Horned Frogs (9-4) routed the Ragin' Cajuns (10-4) in Albuquerque. Hoover was 20 for 32 for 252 yards with an interception. Eric McAlister had eight catches for 87 yards and a TD for the Horned Frogs. TCU's defense also had a solid day, holding Louisiana-Lafayette to 209 yards, including 61 on the game's final possession. LATE FRIDAY LAS VEGAS BOWL USC 35, TEXAS A&M 31: Jayden Maiava threw a 7-yard touchdown pass to tight end Kyle Ford with eight seconds left to give Southern California the victory over Texas A&M (8-5) in the Las Vegas Bowl. A graduate of Liberty High School in nearby Henderson and a transfer from UNLV, Maiava helped the Trojans (7-6) overcome a 17-point deficit.

Kobe Sanders scores 27 points, Nevada never trails in 90-78 win over Oklahoma StateSteph Curry knows the Warriors have to rebound from consecutive losses. Speaking to the media after a frustrating Curry expressed his thoughts on the state of the team. “I think on the whole, you’ve got to look at the bright spots to the start of our season,” Curry told reporters. “These last two games have kind of left a sour taste for sure. We’ve given ourselves a little bit of a cushion with a new kind of mindset with who we’re trying to create [offensively] no matter who’s on the floor. “We’re still playing 12 guys, and you have to be able to adjust no matter what the combinations are offensively. Moving the ball, everybody being involved as a screener, as a passer as a dribbler. I think we can be a little more intentional about what type of shots we want to create with certain lineups. And that’s part of the growth of the team, we all have to be committed to making those adjustments.” While Golden State had a surprisingly good start to the season, the last two games have been frustrating. Poor offensive decisions, sloppy ball handling and were too much to overcome in losses to the San Antonio Spurs and the Nets. Still, at 12-5, the Warriors are in contention for the No. 1 overall seed in the Western Conference one month into the season, a much better position than a year ago. Curry has continued his offensive brilliance, but the rest of the team consistently. Buddy Hield had a hot start to the season, but has cooled off recently, leaving Golden State without a reliable second-scoring option. For the team to contend for a top seed the rest of the season, it will be critical to figure out the offense and clamp down on defense. Golden State now faces the Oklahoma City Thunder (13-4) on Wednesday night at Chase Center in a showdown of the top two teams in the Western Conference.

LAS VEGAS--(BUSINESS WIRE)--Dec 5, 2024-- MP Materials Corp. (NYSE: MP) today announced that Ryan Corbett, Chief Financial Officer, will participate in the Jefferies 2024 Battery Storage & Materials Conference on Friday, December 13, 2024, at 2:20 p.m. Eastern Time. Live webcasts and replays will be available at https://investors.mpmaterials.com/ . About MP Materials MP Materials (NYSE: MP) produces specialty materials that are vital inputs for electrification and other advanced technologies. MP’s Mountain Pass facility is America’s only scaled rare earth production source. The company is currently expanding its manufacturing operations downstream to provide a full supply chain solution from materials to magnetics. More information is available at https://mpmaterials.com/ . Join the MP Materials community on X , YouTube , Instagram and LinkedIn . View source version on businesswire.com : https://www.businesswire.com/news/home/20241205317365/en/ CONTACT: Investors: ir@mpmaterials.comMedia : Matt Sloustcher media@mpmaterials.com KEYWORD: UNITED STATES NORTH AMERICA NEVADA INDUSTRY KEYWORD: NATURAL RESOURCES OTHER MANUFACTURING MANUFACTURING MINING/MINERALS SOURCE: MP Materials Copyright Business Wire 2024. PUB: 12/05/2024 04:05 PM/DISC: 12/05/2024 04:06 PM http://www.businesswire.com/news/home/20241205317365/enCHARLESTON, S.C. (AP) — Kobe Sanders scored 27 points, including five of six from the free throw line in the closing minutes, and Nevada pulled away late to beat Oklahoma State 90-78 for a fifth-place finish at the Charleston Classic on Sunday. Nevada's lone loss in its first six games came in the tournament's opening round when the Wolf Pack fell to Vanderbilt 73-71. The Cowboys never led in the contest and Nevada grabbed the lead for good on Justin McBride's tip-in with under 13 minutes left to take a 14-12 lead. Tre Coleman hit two free throws and Chuck Bailey II hit a late jumper to put Nevada up 40-33 at intermission. Abou Ousmane's tip-in at the 5:21 mark got the Cowboys within five, 75-70 but Brandon Love answered with a three-point play seconds later and the Wolf Pack pulled away. Tyler Rolison's 3 with 1:38 left pushed the lead to 84-73. Sanders hit 7 of 10 shots from the field, including 3 of 5 from distance, and was 10 of 13 from the line with three assists and a steal to lead Nevada. Nick Davidson had 23 points on 9 of 16 shooting and Love was a perfect 5-for-5 from the floor and contributed 11 points. The Wolf Pack shot 33 of 56 from the field (58.9%), including 7 of 18 from beyond the arc. Marchelus Avery and Arturo Dean both came off the Oklahoma State bench to score 15 and 13 points, respectively. Robert Jennings II and Ousmane each scored 11 points. Both teams completed the November portion of their schedule. Nevada plays host to Washington State on Dec. 2. Oklahoma State plays at Tulsa on Dec. 4. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketball

My robot waiter reminds us what really mattersNFR to restore operations of actual number of passenger trains prior to Covid phase

NoneWill Nikola Jokic play against the Detroit Pistons tonight? Latest update on the Denver Nuggets star's injury report (December 28, 2024)

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Both Nice and Le Havre will look to bounce back from disappointing results last weekend when they meet at the Allianz Riviera in Ligue 1 on Saturday. Nice had their top-four hopes dented slightly with a heavy defeat on the road, while Le Havre plummeted into the drop zone by losing a relegation six-pointer on home soil. Franck Haise 's men have struggled from a lack of consistency this season, and they will need to bounce back from a chastening 4-1 defeat away to an Alexandre Lacazette -inspired Lyon. That saw OL leapfrog Nice into fifth, and Haise's side also missed the opportunity to break into the top four, with Lille surprisingly dropping points last weekend. While sitting in sixth, it is something of a surprise, considering Nice have only won five of their 18 matches in all competitions this season, their worst win rate at this stage of a season in 15 years. Much of that is down to some poor form in Europe, but also because Haise's style of play has almost completely eradicated the defensive stability they enjoyed under Francesco Farioli last season. Nice have already conceded 13 goals in their nine home games this season, more than the amount they conceded at the Allianz Riviera in 18 games last season. To make up for that, they have improved in attack, because simply scoring one goal here will see them equal their tally for goals on home soil from the entirety of last season (21). Le Havre have also proven to be favourable opponents recently, so this will be a fixture they target for three points, considering they are unbeaten in four at home to their upcoming opponents - winning three. Prior to this current winless run away to Nice, Le Havre did have a run of six wins in seven here, and they will need to tap into that if they are to move out of the relegation zone this weekend. Le Havre were the club that finished just one place above the bottom three last season, and it appears they will be in the relegation fight once again this season. Didier Digard 's men have lost nine league games already this season, including eight of the last 10, with the most recent being a disappointing home defeat to relegation rivals Angers. As well as that loss a week ago, Digard has seen his side suffer many poor results at home, losing heavily to Lyon, Lille and Reims. Therefore, being on the road could be a blessing in disguise, considering they won on their last away trip at Nantes, and have only conceded eight goals in six games so far. That will be required if they want to move out of the relegation playoff spot, as Angers sent them into the bottom three courtesy of that result last weekend. Anything here will be a bonus though for the league's lowest scorers, because the clash with Strasbourg next weekend will be huge, with both clubs separated by just one point at present. Nice are currently suffering from numerous injury setbacks, with as many as eight first-team players currently sidelined. Dante will miss an extended period with a knee injury, while full-backs Melvin Bard and Jonathan Clauss are also nursing issues of their own picked up recently. Hamstring issues will keep Ali Abdi and Youssouf Ndayishimiye out of this one, and midfielder Morgan Sanson is yet to overcome an ankle problem, joining lively attacker Jeremie Boga on the sidelines. The issues have also mounted up for Le Havre, with Oussama Targhalline (thigh) joining Yann Kitala (ankle), Oualid El Hajjam (calf), Arouna Sangante (groin) and Andy Logbo on the treatment table at present. Andre Ayew should feature though, and will look to add to his good career tally against Nice, having scored in five of his previous 10 encounters against the South Coast club. Nice possible starting lineup: Bulka; Rosario, Bombito, Abdelmonem; Louchet, Ndombele, Boudaoui, Nandjou; Cho, Guessand, Diop Le Havre possible starting lineup: Desmas; Pembele, Youtube Kinkoue, Lloris; Casimir, Toure, Kuzyaev, Operi; Sabbi, Ayew, Soumare Nice were thrashed at Lyon last weekend, but still showed more than enough in attack to suggest that they will have too much for a struggling Le Havre side that start the weekend in the bottom three. Only one other club in Europe's top-five leagues are yet to draw a game at all this season, and that is unlikely to change this weekend for Le Havre, as they are staring down the barrel at a 10th league defeat in 14 matches. For data analysis of the most likely results, scorelines and more for this match please click here .Chandigarh: The international workshop on climate-compatible growth started on Thursday. The event, titled “North India Inception Workshop on Climate-Compatible Growth,” is being organised by PU’s department of environment studies along with the Climate Compatible Growth Network , UK, and the British high commission, Chandigarh. We also published the following articles recently Moon in Emotional Compatibility: A Nakshatra Perspective Vedic astrology uses lunar mansions, or nakshatras, to reveal emotional compatibility in relationships. Each nakshatra possesses unique energies influencing emotional expression. Matching nakshatras, like the fiery Ashwini and adventurous Mrigashira, suggest harmony. Factors like shared elements and planetary rulers are key to understanding emotional connections and building stronger bonds. Best Husband by Date of Birth: Unlocking Zodiac Compatibility Discover the ideal husband based on astrological signs! From the fiery passion of Aries to the steady devotion of Taurus, each sign offers unique strengths in marriage. Explore how Gemini's wit, Cancer's nurturing, Leo's grandeur, and Virgo's practicality shape their roles as husbands. Delve into Libra's balance, Scorpio's intensity, and Sagittarius's adventurous spirit. Climate risks have hit financial system: RBI The Reserve Bank of India (RBI) warns that climate change is threatening the financial system. Both physical risks from extreme weather and transition risks from shifting to a low-carbon economy pose challenges. Data gaps hinder risk assessment and access to climate finance. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .