digital circus store Hope and fear as world powers absorb Assad's endThe 30s and 40s are pivotal decades in shaping your financial future. While the 30s often mark the beginning of financial responsibilities, the 40s demand a sharper focus on building a robust retirement plan. 30s: Getting into the loop Very few enter their 30s with a firm grasp on their finances. Most are only just beginning to find their feet in their careers. Around this time, most typically get married and are even blessed with an offspring, which brings on the burden of family responsibilities. Expenses start piling up, even as income is yet to pick up substantially. Some may take on a sizeable home loan along the way, which further squeezes the income. Lifestyle spends like travel and entertainment dominate this phase. Dilshad Billimoria, Managing Director, Dilzer Consultants, laments, “Retirement is not really a priority for individuals in their 30s, with many keen on vacations and other experiences.” There is a belief that enough time is at hand to ponder over a goal like retirement. A high degree of optimism regarding future earnings is also a common reason for putting it off. However, you could be setting yourself up for a disaster. If you put off saving for retirement any further, you could be left playing catch-up later, which could be a losing battle. Rohit Shah, Founder, GYR Financial Planners, asserts, “By the time you enter your 40s, you would have merely 15-20 years left for retirement, which is not adequate to capture gains from compounding. Having 25-30 years of compounding makes a material difference to your corpus.” Finance A2Z Of Money By - elearnmarkets, Financial Education by StockEdge View Program Artificial Intelligence(AI) Master in Python Language Quickly Using the ChatGPT Open AI By - Metla Sudha Sekhar, IT Specialist and Developer View Program Finance A2Z Of Finance: Finance Beginner Course By - elearnmarkets, Financial Education by StockEdge View Program Data Analysis Learn Power BI with Microsoft Fabric: Complete Course By - Prince Patni, Software Developer (BI, Data Science) View Program Design Microsoft Designer Guide: The Ultimate AI Design Tool By - Prince Patni, Software Developer (BI, Data Science) View Program Artificial Intelligence(AI) Mastering C++ Fundamentals with Generative AI: A Hands-On By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) Learn InVideo AI: Create Videos from Text Easily By - Prince Patni, Software Developer (BI, Data Science) View Program Strategy ESG and Business Sustainability Strategy By - Vipul Arora, Partner, ESG & Climate Solutions at Sattva Consulting Author I Speaker I Thought Leader View Program Artificial Intelligence(AI) Generative AI for Dynamic Java Web Applications with ChatGPT By - Metla Sudha Sekhar, IT Specialist and Developer View Program Marketing Digital Marketing Masterclass by Pam Moore By - Pam Moore, Digital Transformation and Social Media Expert View Program Finance Crypto & NFT Mastery: From Basics to Advanced By - CA Raj K Agrawal, Chartered Accountant View Program Entrepreneurship Crafting a Powerful Startup Value Proposition By - Dr. Anu Khanchandani, Startup Coach with more than 25 years of experience View Program Entrepreneurship Boosting Startup Revenue with 6 AI-Powered Sales Automation Techniques By - Dr. Anu Khanchandani, Startup Coach with more than 25 years of experience View Program Office Productivity Mastering Microsoft Office: Word, Excel, PowerPoint, and 365 By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) Basics of Generative AI: Unveiling Tomorrow's Innovations By - Metla Sudha Sekhar, IT Specialist and Developer View Program Data Science MySQL for Beginners: Learn Data Science and Analytics Skills By - Metla Sudha Sekhar, IT Specialist and Developer View Program Web Development Intermediate Java Mastery: Method, Collections, and Beyond By - Metla Sudha Sekhar, IT Specialist and Developer View Program Finance AI and Generative AI for Finance By - Hariom Tatsat, Vice President- Quantitative Analytics at Barclays View Program Artificial Intelligence(AI) Tabnine AI Masterclass: Optimize Your Coding Efficiency By - Metla Sudha Sekhar, IT Specialist and Developer View Program Marketing Modern Marketing Masterclass by Seth Godin By - Seth Godin, Former dot com Business Executive and Best Selling Author View Program Web Development A Comprehensive ASP.NET Core MVC 6 Project Guide for 2024 By - Metla Sudha Sekhar, IT Specialist and Developer View Program Legal Complete Guide to AI Governance and Compliance By - Prince Patni, Software Developer (BI, Data Science) View Program Web Development Mastering Full Stack Development: From Frontend to Backend Excellence By - Metla Sudha Sekhar, IT Specialist and Developer View Program For instance, if somebody starts putting away Rs.10,000 towards retirement in a diversified equity fund at 35 and steps up contributions by 5% every year, he will amass a tidy corpus of Rs.2.54 crore by 60. However, if he delays the start until 40, even with a higher starting outlay of Rs. 15,000, he will amass a much lower corpus of Rs. 1.96 crore. Pune-based Shaunak Potdar, 38, is clear about prioritising retirement over anything else at the moment. Even though he is yet to figure out the specifics of his retirement plan, he has been making steady contributions towards this bucket from his early working years. “I want to ensure that my family continues to maintain the same lifestyle even after retirement,” Potdar asserts. For now, he estimates a need of Rs. 6 crore on retirement. He runs an allocation of 75% in favour of equities, featuring investments in stocks, equity funds and ETFs, apart from contributions to the EPF, PPF and the NPS. His Rs. 1.2 lakh monthly investment outlay makes him confident that he will be able to manage a comfortable retirement. Potdar recognises it as critical that he starts laying the foundation of his retirement plan even if there is little clarity on the relevant figures. Amol Joshi, Founder, PlanRupee Investment Services, says there are no excuses to not start investing. “You shouldn’t put off saving just because you don’t have a grip on the numbers.” You may initially make do with rough assumptions about future income and expenses, as well as return. There will be time to fine-tune the math later. Savings may be lean now, but you will get more breathing space as your income starts picking pace. It is more important to start somewhere so that you have a platform to build on later. “You cannot remain casual about the retirement goal any longer. Even if you start modestly, get a realistic grip on your present finances and build on that,” exhorts Prableen Bajpai, Founder, FinFix Analytics & Research. Tarun Birani, Founder and Director, TBNG Capital Advisors, asserts, “Try to gradually fill up your stability bucket to give yourself a strong chance at attaining financial freedom.” He suggests putting away at least 25% of the monthly income towards this goal. Identify the existing investments that can be earmarked for your nest egg. “It is important to have a clear segregation of goals, otherwise many tend to dip into the retirement pot even for non-essential expenses,” Joshi exhorts. For the salaried, the Employee Provident Fund would obviously find space in this bucket. However, overrelying on fixed income will be a drag on your portfolio. Inflation will easily eat into any accumulations, leaving you staring at a sizeable deficit closer to your retirement. In the early-to-mid 30s, your retirement portfolio should have a bias towards equities. Experts recommend up to 75% allocation to equities. With another 25-30 years left for retirement, you have enough runway to ride out the interim volatility in this space. Carefully select and tag 1-2 equity funds for regular SIP contributions towards the retirement goal. A proven flexi-cap fund or a combination of frontline index funds, along with a mid-cap fund, can serve this purpose. The NPS is another good retirement vehicle, providing a very targeted avenue towards this goal. Experts suggest opting for its ‘active choice’ mode, which allows the subscriber to choose his own asset allocation. Here, investors can park up to 75% of the corpus in equities till the age of 50. Joshi remarks, “If the equity allocation is inadequate, the tax benefits and low cost of NPS won't be enough to build a hefty corpus.” NPS subscribers can even remain invested up to the age of 70, thus allowing more time for compounding of the accumulated corpus. Together, these investments are enough to fill up your retirement pot. Recalibrate retirement plan in your 40s You may want to revisit your calculations to avoid falling short of the target later on. IF YOU START AT 35 YEARS... BY 45 YEARS, YOU WOULD HAVE... 40s: Sorting it out Stepping into the 40s brings a reality check for many. The carefree, cavalier attitude towards work and money of previous years typically mellows. Towards the mid-to-late 40s, particularly, the proximity to retirement, along with other critical life goals, starts taking a bigger share of your mindspace. If your retirement plan till now was merely a rough sketch, it should now take a more structured shape. By this time, you would be in a better position to get a fix on the numbers. It is when most pieces of the puzzle start coming together. You are well established in your field of work, allowing a degree of stability in finances. Your income and expenses profile are clearer. The financial needs of your family take a definite shape. Your savings capacity also ramps up sharply in your 40s, as career advancements fetch you a higher pay. With 10-15 years of working life remaining, now is the time to convert the marathon into a sprint. “In the 40s, you are in a phase of your career that allows a higher traction in savings. This is the time you should be most focused on the retirement goal,” insists Shah. Sadanand Kholkute, 44, started investing 15 years ago in a diversified basket of mutual funds via SIPs. “In order to overcome inflation and live peacefully after retirement, it is necessary to have a proper vision,” he acknowledges. This has put him in a good financial position. However, he is yet to crystallise his savings habit into a structured financial plan. He risks getting waylaid if he doesn’t get the math right. Experts insist one should fine-tune the financial plan by the mid-40s based on actual financial realities. Revisit prior calculations made when the picture was hazy. “When starting out, there is a tendency to overestimate earnings potential and underestimate expenses,” points out Bajpai. You may need to go back to the drawing board and kickstart the plan afresh to get back on the right path. You may even want to reconsider prewvious investment choices. “A lot of bad investment decisions happen in the early years, characterised by return chasing and random choices,” remarks Birani. At 40, if your current annual expenses are Rs.12 lakh, your expected annual expenses at retirement would be roughly Rs.38.5 lakh, assuming 6% inflation. If you are targeting a retirement corpus of 25x-30x your total annual expenses, you would need a sum of Rs. 9.6 crore to Rs. 11.5 crore by age 60 to cover your retirement needs. Supposing you have amassed Rs.40 lakh towards your retirement kitty till the age of 40, you would need to invest Rs.87,000 monthly in a portfolio fetching a 10% return to meet the target of Rs.9.6 crore. If you have Rs.75 lakh by 40, you will need to invest roughly Rs.53,000 for the next 20 years. If the numbers seem too steep, don’t fret. You can reach the target corpus even if you are investing a lesser amount today. Make sure to hike contributions every year as your income grows. With every increment or bonus, put aside some amount towards beefing up your retirement savings. It is also crucial that you don’t let any other expense or investment compromise your retirement. “Do not go for bigger purchases like a second home or a vacation home. These will leave little room for savings,” cautions Joshi. He also warns against exploring exotic investment avenues such as futures and options and cryptocurrency in a bid to boost returns. Many also warn against dipping into your nest egg for funding other goals like children’s higher studies. This advice may seem jarring to many parents for whom kids’ education takes precedence over anything else. However, this is what many financial advisers suggest. “You only get one shot at a comfortable retirement. There is no alternative route like education loans and scholarships for this goal,” asserts Joshi. He insists that retirement should be the second priority for mid-lifers—only behind clearing expensive debt.

New skateboarding exhibit lands at Vancouver Island pop culture museumTaylor Swift to take final bow in Vancouver as Eras Tour concludes at BC PlaceWASHINGTON — Donald Trump said he can't guarantee his promised tariffs on key U.S. foreign trade partners won't raise prices for American consumers and suggested once more that some political rivals and federal officials who pursued legal cases against him should be imprisoned. The president-elect, in a wide-ranging interview with NBC's "Meet the Press" that aired Sunday, also touched on monetary policy, immigration, abortion and health care, and U.S. involvement in Ukraine, Israel and elsewhere. Trump often mixed declarative statements with caveats, at one point cautioning "things do change." Here's a look at some of the issues covered: President-elect Donald Trump takes the stage before he speaks at the FOX Nation Patriot Awards, Thursday, Dec. 5, 2024, in Greenvale, N.Y. (AP Photo/Heather Khalifa) Trump hems on whether trade penalties could raise prices Trump threatened broad trade penalties, but said he didn't believe economists' predictions that added costs on those imported goods for American companies would lead to higher domestic prices for consumers. He stopped short of a pledge that U.S. an households won't be paying more as they shop. People are also reading... "I can't guarantee anything. I can't guarantee tomorrow," Trump said, seeming to open the door to accepting the reality of how import levies typically work as goods reach the retail market. That's a different approach from Trump's typical speeches throughout the 2024 campaign, when he framed his election as a sure way to curb inflation. In the interview, Trump defended tariffs generally, saying that tariffs are "going to make us rich." He has pledged that, on his first day in office in January, he would impose 25% tariffs on all goods imported from Mexico and Canada unless those countries satisfactorily stop illegal immigration and the flow of illegal drugs such as fentanyl into the United States. He also has threatened tariffs on China to help force that country to crack down on fentanyl production. "All I want to do is I want to have a level, fast, but fair playing field," Trump said. Biden is considering preemptive pardons for officials and allies before Trump takes office Trump suggests retribution for his opponents while claiming no interest in vengeance He offered conflicting statements on how he would approach the justice system after winning election despite being convicted of 34 felonies in a New York state court and being indicted in other cases for his handling of national security secrets and efforts to overturn his 2020 loss to Democrat Joe Biden. "Honestly, they should go to jail," Trump said of members of Congress who investigated the Capitol riot by his supporters who wanted him to remain in power. The president-elect underscored his contention that he can use the justice system against others, including special prosecutor Jack Smith, who led the case on Trump's role in the siege on Jan. 6, 2021. Trump confirmed his plan to pardon supporters who were convicted for their roles in the riot, saying he would take that action on his first day in office. As for the idea of revenge driving potential prosecutions, Trump said: "I have the absolute right. I'm the chief law enforcement officer, you do know that. I'm the president. But I'm not interested in that." At the same time, Trump singled out lawmakers on a special House committee who investigated the insurrection, citing Rep. Bennie Thompson, D-Miss., and former Rep. Liz Cheney, R-Wyo. "Cheney was behind it ... so was Bennie Thompson and everybody on that committee," Trump said. Asked specifically whether he would direct his administration to pursue cases, he said, "No," and suggested he did not expect the FBI to quickly undertake investigations into his political enemies. At another point, Trump said he would leave the matter up to Pam Bondi, his pick as attorney general. "I want her to do what she wants to do," he said. Such threats, regardless of Trump's inconsistencies, have been taken seriously enough by many top Democrats that Biden is considering issuing blanket, preemptive pardons to protect key members of his outgoing administration. Trump did seemingly back off his campaign rhetoric calling for Biden to be investigated, saying, "I'm not looking to go back into the past." Immigration advocates hold a rally in Sacramento, Calif. on Monday, Dec. 2, 2024, to protest President-Elect Donald Trump's plans to conduct mass deportation of immigrants without legal status. (AP Photo/Haven Daley) Swift action on immigration is coming Trump repeatedly mentioned his promises to seal the U.S.-Mexico border and deport millions of people who are in the U.S. illegally through a mass deportation program. "I think you have to do it," he said. He suggested he would try to use executive action to end "birthright" citizenship under which people born in the U.S. are considered citizens — though such protections are spelled out in the Constitution. Asked specifically about the future for people who were brought into the country illegally as children and were shielded from deportation in recent years, Trump said, "I want to work something out," indicating he might seek a solution with Congress. But Trump also said he does not "want to be breaking up families" of mixed legal status, "so the only way you don't break up the family is you keep them together and you have to send them all back." President-elect Donald Trump shakes hands with Ukraine's President Volodymyr Zelenskyy in Notre Dame Cathedral as France's iconic cathedral is formally reopening its doors for the first time since a devastating fire nearly destroyed the 861-year-old landmark in 2019, Saturday Dec.7, 2024 in Paris ( Ludovic Marin, Pool via AP) Trump commits to NATO, with conditions, and waffles on Putin and Ukraine Long a critic of NATO members for not spending more on their own defense, Trump said he "absolutely" would remain in the alliance "if they pay their bills." Pressed on whether he would withdraw if he were dissatisfied with allies' commitments, Trump said he wants the U.S. treated "fairly" on trade and defense. He waffled on a NATO priority of containing Russia and President Vladimir Putin. Trump suggested Ukraine should prepare for less U.S. aid in its defense against Putin's invasion. "Possibly. Yeah, probably. Sure," Trump said of reducing Ukraine assistance from Washington. Separately, Trump called for an immediate cease-fire. Asked about Putin, Trump said initially that he has not talked to the Russian leader since Election Day last month, but then hedged. "I haven't spoken to him recently," Trump said when pressed, adding that he did not want to "impede the negotiation." Federal Reserve Board Chairman Jerome Powell speaks during a news conference at the Federal Reserve in Washington, Thursday, Nov. 7, 2024. (AP Photo/Mark Schiefelbein) Trump says Powell is safe at the Fed, but not Wray at the FBI The president-elect said he has no intention, at least for now, of asking Federal Reserve Chairman Jerome Powell to step down before Powell's term ends in 2028. Trump said during the campaign that presidents should have more say in Fed policy, including interest rates. Trump did not offer any job assurances for FBI Director Christopher Wray, whose term is to end in 2027. Asked about Wray, Trump said: "Well, I mean, it would sort of seem pretty obvious" that if the Senate confirms Kash Patel as Trump's pick for FBI chief, then "he's going to be taking somebody's place, right? Somebody is the man that you're talking about." Trump is absolute about Social Security, not so much on abortion and health insurance Trump promised that the government efficiency effort led by Elon Musk and Vivek Ramaswamy will not threaten Social Security. "We're not touching Social Security, other than we make it more efficient," he said. He added that "we're not raising ages or any of that stuff." He was not so specific about abortion or his long-promised overhaul of the Affordable Care Act. On abortion, Trump continued his inconsistencies and said he would "probably" not move to restrict access to the abortion pills that now account for a majority of pregnancy terminations, according to the Guttmacher Institute, which supports abortion rights. But pressed on whether he would commit to that position, Trump replied, "Well, I commit. I mean, are — things do — things change. I think they change." Reprising a line from his Sept. 10 debate against Vice President Kamala Harris, Trump again said he had "concepts" of a plan to substitute for the 2010 Affordable Care Act, which he called "lousy health care." He added a promise that any Trump version would maintain insurance protections for Americans with preexisting health conditions. He did not explain how such a design would be different from the status quo or how he could deliver on his desire for "better health care for less money." Here are the people Trump picked for key positions so far President-elect Donald Trump Among President-elect Donald Trump's picks are Susie Wiles for chief of staff, Florida Sen. Marco Rubio for secretary of state, former Democratic House member Tulsi Gabbard for director of national intelligence and Florida Rep. Matt Gaetz for attorney general. Susie Wiles, White House Chief of Staff Susie Wiles, 67, was a senior adviser to Trump's 2024 presidential campaign and its de facto manager. Marco Rubio, Secretary of State Trump named Florida Sen. Marco Rubio to be secretary of state, making a former sharp critic his choice to be the new administration's top diplomat. Rubio, 53, is a noted hawk on China, Cuba and Iran, and was a finalist to be Trump's running mate on the Republican ticket last summer. Rubio is the vice chairman of the Senate Intelligence Committee and a member of the Senate Foreign Relations Committee. “He will be a strong Advocate for our Nation, a true friend to our Allies, and a fearless Warrior who will never back down to our adversaries,” Trump said of Rubio in a statement. The announcement punctuates the hard pivot Rubio has made with Trump, whom the senator called a “con man" during his unsuccessful campaign for the 2016 GOP presidential nomination. Their relationship improved dramatically while Trump was in the White House. And as Trump campaigned for the presidency a third time, Rubio cheered his proposals. For instance, Rubio, who more than a decade ago helped craft immigration legislation that included a path to citizenship for people in the U.S. illegally, now supports Trump's plan to use the U.S. military for mass deportations. Pete Hegseth, Secretary of Defense Pete Hegseth, 44, is a co-host of Fox News Channel’s “Fox & Friends Weekend” and has been a contributor with the network since 2014, where he developed a friendship with Trump, who made regular appearances on the show. Hegseth lacks senior military or national security experience. If confirmed by the Senate, he would inherit the top job during a series of global crises — ranging from Russia’s war in Ukraine and the ongoing attacks in the Middle East by Iranian proxies to the push for a cease-fire between Israel, Hamas and Hezbollah and escalating worries about the growing alliance between Russia and North Korea. Hegseth is also the author of “The War on Warriors: Behind the Betrayal of the Men Who Keep Us Free,” published earlier this year. Pam Bondi, Attorney General Trump tapped Pam Bondi, 59, to be attorney general after U.S. Rep. Matt Gaetz withdrew his name from consideration. She was Florida's first female attorney general, serving between 2011 and 2019. She also was on Trump’s legal team during his first impeachment trial in 2020. Considered a loyalist, she served as part of a Trump-allied outside group that helped lay the groundwork for his future administration called the America First Policy Institute. Bondi was among a group of Republicans who showed up to support Trump at his hush money criminal trial in New York that ended in May with a conviction on 34 felony counts. A fierce defender of Trump, she also frequently appears on Fox News and has been a critic of the criminal cases against him. Kristi Noem, Secretary of Homeland Security Trump picked South Dakota Gov. Kristi Noem, a well-known conservative who faced sharp criticism for telling a story in her memoir about shooting a rambunctious dog, to lead an agency crucial to the president-elect’s hardline immigration agenda. Noem used her two terms leading a tiny state to vault to a prominent position in Republican politics. South Dakota is usually a political afterthought. But during the COVID-19 pandemic, Noem did not order restrictions that other states had issued and instead declared her state “open for business.” Trump held a fireworks rally at Mount Rushmore in July 2020 in one of the first large gatherings of the pandemic. She takes over a department with a sprawling mission. In addition to key immigration agencies, the Department of Homeland Security oversees natural disaster response, the U.S. Secret Service, and Transportation Security Administration agents who work at airports. Doug Burgum, Secretary of the Interior The governor of North Dakota, who was once little-known outside his state, Burgum is a former Republican presidential primary contender who endorsed Trump, and spent months traveling to drum up support for him, after dropping out of the race. Burgum was a serious contender to be Trump’s vice presidential choice this summer. The two-term governor was seen as a possible pick because of his executive experience and business savvy. Burgum also has close ties to deep-pocketed energy industry CEOs. Trump made the announcement about Burgum joining his incoming administration while addressing a gala at his Mar-a-Lago club, and said a formal statement would be coming the following day. In comments to reporters before Trump took the stage, Burgum said that, in recent years, the power grid is deteriorating in many parts of the country, which he said could raise national security concerns but also drive up prices enough to increase inflation. “There's just a sense of urgency, and a sense of understanding in the Trump administration,” Burgum said. Robert F. Kennedy Jr., Secretary of Health and Human Services Robert F. Kennedy Jr. ran for president as a Democrat, than as an independent, and then endorsed Trump . He's the son of Democratic icon Robert Kennedy, who was assassinated during his own presidential campaign. The nomination of Kennedy to lead the Department of Health and Human Services alarmed people who are concerned about his record of spreading unfounded fears about vaccines . For example, he has long advanced the debunked idea that vaccines cause autism. Scott Bessent, Treasury Secretary Scott Bessent, 62, is a former George Soros money manager and an advocate for deficit reduction. He's the founder of hedge fund Key Square Capital Management, after having worked on-and-off for Soros Fund Management since 1991. If confirmed by the Senate, he would be the nation’s first openly gay treasury secretary. He told Bloomberg in August that he decided to join Trump’s campaign in part to attack the mounting U.S. national debt. That would include slashing government programs and other spending. “This election cycle is the last chance for the U.S. to grow our way out of this mountain of debt without becoming a sort of European-style socialist democracy,” he said then. Lori Chavez-DeRemer, Labor Secretary Oregon Republican U.S. Rep. Lori Chavez-DeRemer narrowly lost her reelection bid this month, but received strong backing from union members in her district. As a potential labor secretary, she would oversee the Labor Department’s workforce, its budget and put forth priorities that impact workers’ wages, health and safety, ability to unionize, and employer’s rights to fire employers, among other responsibilities. Chavez-DeRemer is one of few House Republicans to endorse the “Protecting the Right to Organize” or PRO Act would allow more workers to conduct organizing campaigns and would add penalties for companies that violate workers’ rights. The act would also weaken “right-to-work” laws that allow employees in more than half the states to avoid participating in or paying dues to unions that represent workers at their places of employment. Scott Turner, Housing and Urban Development Scott Turner is a former NFL player and White House aide. He ran the White House Opportunity and Revitalization Council during Trump’s first term in office. Trump, in a statement, credited Turner, the highest-ranking Black person he’s yet selected for his administration, with “helping to lead an Unprecedented Effort that Transformed our Country’s most distressed communities.” Sean Duffy, Secretary of Transportation Sean Duffy is a former House member from Wisconsin who was one of Trump's most visible defenders on cable news. Duffy served in the House for nearly nine years, sitting on the Financial Services Committee and chairing the subcommittee on insurance and housing. He left Congress in 2019 for a TV career and has been the host of “The Bottom Line” on Fox Business. Before entering politics, Duffy was a reality TV star on MTV, where he met his wife, “Fox and Friends Weekend” co-host Rachel Campos-Duffy. They have nine children. Chris Wright, Secretary of Energy A campaign donor and CEO of Denver-based Liberty Energy, Write is a vocal advocate of oil and gas development, including fracking — a key pillar of Trump’s quest to achieve U.S. “energy dominance” in the global market. Wright also has been one of the industry’s loudest voices against efforts to fight climate change. He said the climate movement around the world is “collapsing under its own weight.” The Energy Department is responsible for advancing energy, environmental and nuclear security of the United States. Wright also won support from influential conservatives, including oil and gas tycoon Harold Hamm. Hamm, executive chairman of Oklahoma-based Continental Resources, a major shale oil company, is a longtime Trump supporter and adviser who played a key role on energy issues in Trump’s first term. Linda McMahon, Secretary of Education President-elect Donald Trump tapped billionaire professional wrestling mogul Linda McMahon to be secretary of the Education Department, tasked with overseeing an agency Trump promised to dismantle. McMahon led the Small Business Administration during Trump’s initial term from 2017 to 2019 and twice ran unsuccessfully as a Republican for the U.S. Senate in Connecticut. She’s seen as a relative unknown in education circles, though she expressed support for charter schools and school choice. She served on the Connecticut Board of Education for a year starting in 2009 and has spent years on the board of trustees for Sacred Heart University in Connecticut. Brooke Rollins, Secretary of Agriculture Brooke Rollins, who graduated from Texas A&M University with a degree in agricultural development, is a longtime Trump associate who served as White House domestic policy chief during his first presidency. The 52-year-old is president and CEO of the America First Policy Institute, a group helping to lay the groundwork for a second Trump administration. She previously served as an aide to former Texas Gov. Rick Perry and ran a think tank, the Texas Public Policy Foundation. Howard Lutnick, Secretary of Commerce Trump chose Howard Lutnick, head of brokerage and investment bank Cantor Fitzgerald and a cryptocurrency enthusiast, as his nominee for commerce secretary, a position in which he'd have a key role in carrying out Trump's plans to raise and enforce tariffs. Trump made the announcement Tuesday on his social media platform, Truth Social. Lutnick is a co-chair of Trump’s transition team, along with Linda McMahon, the former wrestling executive who previously led Trump’s Small Business Administration. Both are tasked with putting forward candidates for key roles in the next administration. The nomination would put Lutnick in charge of a sprawling Cabinet agency that is involved in funding new computer chip factories, imposing trade restrictions, releasing economic data and monitoring the weather. It is also a position in which connections to CEOs and the wider business community are crucial. Doug Collins, Secretary of Veterans Affairs Doug Collins is a former Republican congressman from Georgia who gained recognition for defending Trump during his first impeachment trial, which centered on U.S. assistance for Ukraine. Trump was impeached for urging Ukraine to investigate Joe Biden in 2019 during the Democratic presidential nomination, but he was acquitted by the Senate. Collins has also served in the armed forces himself and is currently a chaplain in the United States Air Force Reserve Command. "We must take care of our brave men and women in uniform, and Doug will be a great advocate for our Active Duty Servicemembers, Veterans, and Military Families to ensure they have the support they need," Trump said in a statement about nominating Collins to lead the Department of Veterans Affairs. Karoline Leavitt, White House press secretary Karoline Leavitt, 27, was Trump's campaign press secretary and currently a spokesperson for his transition. She would be the youngest White House press secretary in history. The White House press secretary typically serves as the public face of the administration and historically has held daily briefings for the press corps. Leavitt, a New Hampshire native, was a spokesperson for MAGA Inc., a super PAC supporting Trump, before joining his 2024 campaign. In 2022, she ran for Congress in New Hampshire, winning a 10-way Republican primary before losing to Democratic Rep. Chris Pappas. Leavitt worked in the White House press office during Trump's first term before she became communications director for New York Republican Rep. Elise Stefanik, Trump's choice for U.S. ambassador to the United Nations. Tulsi Gabbard, National Intelligence Director Former Hawaii Rep. Tulsi Gabbard has been tapped by Trump to be director of national intelligence, keeping with the trend to stock his Cabinet with loyal personalities rather than veteran professionals in their requisite fields. Gabbard, 43, was a Democratic House member who unsuccessfully sought the party's 2020 presidential nomination before leaving the party in 2022. She endorsed Trump in August and campaigned often with him this fall. “I know Tulsi will bring the fearless spirit that has defined her illustrious career to our Intelligence Community,” Trump said in a statement. Gabbard, who has served in the Army National Guard for more than two decades, deploying to Iraq and Kuwait, would come to the role as somewhat of an outsider compared to her predecessor. The current director, Avril Haines, was confirmed by the Senate in 2021 following several years in a number of top national security and intelligence positions. John Ratcliffe, Central Intelligence Agency Director Trump has picked John Ratcliffe, a former Texas congressman who served as director of national intelligence during his first administration, to be director of the Central Intelligence Agency in his next. Ratcliffe was director of national intelligence during the final year and a half of Trump's first term, leading the U.S. government's spy agencies during the coronavirus pandemic. “I look forward to John being the first person ever to serve in both of our Nation's highest Intelligence positions,” Trump said in a statement, calling him a “fearless fighter for the Constitutional Rights of all Americans” who would ensure “the Highest Levels of National Security, and PEACE THROUGH STRENGTH.” Kash Patel, Federal Bureau of Investigation Director Kash Patel spent several years as a Justice Department prosecutor before catching the Trump administration’s attention as a staffer on Capitol Hill who helped investigate the Russia probe. Patel called for dramatically reducing the agency’s footprint, a perspective that sets him apart from earlier directors who sought additional resources for the bureau. Though the Justice Department in 2021 halted the practice of secretly seizing reporters’ phone records during leak investigations, Patel said he intends to aggressively hunt down government officials who leak information to reporters. Lee Zeldin, Environmental Protection Agency Administrator Trump has chosen former New York Rep. Lee Zeldin to serve as his pick to lead the Environmental Protection Agency . Zeldin does not appear to have any experience in environmental issues, but is a longtime supporter of the former president. The 44-year-old former U.S. House member from New York wrote on X , “We will restore US energy dominance, revitalize our auto industry to bring back American jobs, and make the US the global leader of AI.” “We will do so while protecting access to clean air and water,” he added. During his campaign, Trump often attacked the Biden administration's promotion of electric vehicles, and incorrectly referring to a tax credit for EV purchases as a government mandate. Trump also often told his audiences during the campaign his administration would “Drill, baby, drill,” referring to his support for expanded petroleum exploration. In a statement, Trump said Zeldin “will ensure fair and swift deregulatory decisions that will be enacted in a way to unleash the power of American businesses, while at the same time maintaining the highest environmental standards, including the cleanest air and water on the planet.” Brendan Carr, Chairman of the Federal Communications Commission Trump has named Brendan Carr, the senior Republican on the Federal Communications Commission, as the new chairman of the agency tasked with regulating broadcasting, telecommunications and broadband. Carr is a longtime member of the commission and served previously as the FCC’s general counsel. He has been unanimously confirmed by the Senate three times and was nominated by both Trump and President Joe Biden to the commission. Carr made past appearances on “Fox News Channel," including when he decried Democratic Vice President Kamala Harris' pre-Election Day appearance on “Saturday Night Live.” He wrote an op-ed last month defending a satellite company owned by Trump supporter Elon Musk. Paul Atkins, Chair of the Securities and Exchange Commission Trump said Atkins, the CEO of Patomak Partners and a former SEC commissioner, was a “proven leader for common sense regulations.” In the years since leaving the SEC, Atkins has made the case against too much market regulation. “He believes in the promise of robust, innovative capital markets that are responsive to the needs of Investors, & that provide capital to make our Economy the best in the World. He also recognizes that digital assets & other innovations are crucial to Making America Greater than Ever Before,” Trump wrote on Truth Social. The commission oversees U.S. securities markets and investments and is currently led by Gary Gensler, who has been leading the U.S. government’s crackdown on the crypto industry. Gensler, who was nominated by President Joe Biden, announced last month that he would be stepping down from his post on the day that Trump is inaugurated — Jan. 20, 2025. Atkins began his career as a lawyer and has a long history working in the financial markets sector, both in government and private practice. In the 1990s, he worked on the staffs of two former SEC chairmen, Richard C. Breeden and Arthur Levitt. Jared Isaacman, NASA Administrator Jared Isaacman, 41, is a tech billionaire who bought a series of spaceflights from Elon Musk’s SpaceX and conducted the first private spacewalk . He is the founder and CEO of a card-processing company and has collaborated closely with Musk ever since buying his first chartered SpaceX flight. He took contest winners on that 2021 trip and followed it in September with a mission where he briefly popped out the hatch to test SpaceX’s new spacewalking suits. Elise Stefanik, Ambassador to the United Nations Rep. Elise Stefanik is a representative from New York and one of Trump's staunchest defenders going back to his first impeachment. Elected to the House in 2014, Stefanik was selected by her GOP House colleagues as House Republican Conference chair in 2021, when former Wyoming Rep. Liz Cheney was removed from the post after publicly criticizing Trump for falsely claiming he won the 2020 election. Stefanik, 40, has served in that role ever since as the third-ranking member of House leadership. Stefanik’s questioning of university presidents over antisemitism on their campuses helped lead to two of those presidents resigning, further raising her national profile. If confirmed, she would represent American interests at the U.N. as Trump vows to end the war waged by Russia against Ukraine begun in 2022. He has also called for peace as Israel continues its offensive against Hamas in Gaza and its invasion of Lebanon to target Hezbollah. Matt Whitaker, Ambassador to NATO President-elect Donald Trump says he's chosen former acting Attorney General Matt Whitaker to serve as U.S. ambassador to NATO. Trump has expressed skepticism about the Western military alliance for years. Trump said in a statement Wednesday that Whitaker is “a strong warrior and loyal Patriot” who “will ensure the United States’ interests are advanced and defended” and “strengthen relationships with our NATO Allies, and stand firm in the face of threats to Peace and Stability.” The choice of Whitaker as the nation’s representative to the North Atlantic Treaty Organization is an unusual one, given his background is as a lawyer and not in foreign policy. David Perdue, Ambassador to China President-elect Donald Trump tapped former Sen. David Perdue of Georgia to be ambassador to China, saying in a social media post that the former CEO “brings valuable expertise to help build our relationship with China.” Perdue lost his Senate seat to Democrat Jon Ossoff four years ago and ran unsuccessfully in a primary against Republican Georgia Gov. Brian Kemp. Perdue pushed Trump's debunked lies about electoral fraud during his failed bid for governor. Pete Hoekstra, Ambassador to Canada A Republican congressman from Michigan who served from 1993 to 2011, Hoekstra was ambassador to the Netherlands during Trump's first term. “In my Second Term, Pete will help me once again put AMERICA FIRST,” Trump said in a statement announcing his choice. “He did an outstanding job as United States Ambassador to the Netherlands during our first four years, and I am confident that he will continue to represent our Country well in this new role.” Mike Huckabee, Ambassador to Israel Trump will nominate former Arkansas Gov. Mike Huckabee to be ambassador to Israel. Huckabee is a staunch defender of Israel and his intended nomination comes as Trump has promised to align U.S. foreign policy more closely with Israel's interests as it wages wars against the Iran-backed Hamas and Hezbollah. “He loves Israel, and likewise the people of Israel love him,” Trump said in a statement. “Mike will work tirelessly to bring about peace in the Middle East.” Huckabee, who ran unsuccessfully for the Republican presidential nomination in 2008 and 2016, has been a popular figure among evangelical Christian conservatives, many of whom support Israel due to Old Testament writings that Jews are God’s chosen people and that Israel is their rightful homeland. Trump has been praised by some in this important Republican voting bloc for moving the U.S. embassy in Israel from Tel Aviv to Jerusalem. Steven Witkoff, Special Envoy to the Middle East Trump on Tuesday named real estate investor Steven Witkoff to be special envoy to the Middle East. The 67-year-old Witkoff is the president-elect's golf partner and was golfing with him at Trump's club in West Palm Beach, Florida, on Sept. 15, when the former president was the target of a second attempted assassination. Witkoff “is a Highly Respected Leader in Business and Philanthropy,” Trump said of Witkoff in a statement. “Steve will be an unrelenting Voice for PEACE, and make us all proud." Trump also named Witkoff co-chair, with former Georgia Sen. Kelly Loeffler, of his inaugural committee. Keith Kellogg, Special Envoy for Ukraine and Russia Trump said Wednesday that he will nominate Gen. Keith Kellogg to serve as assistant to the president and special envoy for Ukraine and Russia. Kellogg, a retired Army lieutenant general who has long been Trump’s top adviser on defense issues, served as National Security Advisor to Trump's former Vice President Mike Pence. For the America First Policy Institute, one of several groups formed after Trump left office to help lay the groundwork for the next Republican administration, Kellogg in April wrote that “bringing the Russia-Ukraine war to a close will require strong, America First leadership to deliver a peace deal and immediately end the hostilities between the two warring parties.” (AP Photo/Mariam Zuhaib) Mike Waltz, National Security Adviser Trump asked Rep. Michael Waltz, R-Fla., a retired Army National Guard officer and war veteran, to be his national security adviser, Trump announced in a statement Tuesday. The move puts Waltz in the middle of national security crises, ranging from efforts to provide weapons to Ukraine and worries about the growing alliance between Russia and North Korea to the persistent attacks in the Middle East by Iran proxies and the push for a cease-fire between Israel and Hamas and Hezbollah. “Mike has been a strong champion of my America First Foreign Policy agenda,” Trump's statement said, "and will be a tremendous champion of our pursuit of Peace through Strength!” Waltz is a three-term GOP congressman from east-central Florida. He served multiple tours in Afghanistan and also worked in the Pentagon as a policy adviser when Donald Rumsfeld and Robert Gates were defense chiefs. He is considered hawkish on China, and called for a U.S. boycott of the 2022 Winter Olympics in Beijing due to its involvement in the origin of COVID-19 and its mistreatment of the minority Muslim Uighur population. Stephen Miller, Deputy Chief of Staff for Policy Stephen Miller, an immigration hardliner , was a vocal spokesperson during the presidential campaign for Trump's priority of mass deportations. The 39-year-old was a senior adviser during Trump's first administration. Miller has been a central figure in some of Trump's policy decisions, notably his move to separate thousands of immigrant families. Trump argued throughout the campaign that the nation's economic, national security and social priorities could be met by deporting people who are in the United States illegally. Since Trump left office in 2021, Miller has served as the president of America First Legal, an organization made up of former Trump advisers aimed at challenging the Biden administration, media companies, universities and others over issues such as free speech and national security. Tom Homan, ‘Border Czar’ Thomas Homan, 62, has been tasked with Trump’s top priority of carrying out the largest deportation operation in the nation’s history. Homan, who served under Trump in his first administration leading U.S. Immigration and Customs Enforcement, was widely expected to be offered a position related to the border, an issue Trump made central to his campaign. Though Homan has insisted such a massive undertaking would be humane, he has long been a loyal supporter of Trump's policy proposals, suggesting at a July conference in Washington that he would be willing to "run the biggest deportation operation this country’s ever seen.” Democrats have criticized Homan for his defending Trump's “zero tolerance” policy on border crossings during his first administration, which led to the separation of thousands of parents and children seeking asylum at the border. Rodney Scott, Customs and Border Protection Commissioner Customs and Border Protection, with its roughly 60,000 employees, falls under the Department of Homeland Security. It includes the Border Patrol, which Rodney Scott led during Trump's first term, and is essentially responsible for protecting the country's borders while facilitating trade and travel. Scott comes to the job firmly from the Border Patrol side of the house. He became an agent in 1992 and spent much of his career in San Diego. When he was appointed head of the border agency in January 2020, he enthusiastically embraced Trump's policies. After being forced out under the Biden administration, Scott has been a vocal supporter of Trump's hard-line immigration agenda. He appeared frequently on Fox News and testified in Congress. He's also a senior fellow at the Texas Public Policy Foundation. Billy Long, Internal Revenue Service commissioner Former Rep. Billy Long represented Missouri in the U.S. House from 2011 to 2023. Since leaving Congress, Trump said, Long “has worked as a Business and Tax advisor, helping Small Businesses navigate the complexities of complying with the IRS Rules and Regulations.” Kelly Loeffler, Small Business Administration administrator Former Georgia Sen. Kelly Loeffler was appointed in January 2020 by Georgia Gov. Brian Kemp and then lost a runoff election a year later. She started a conservative voter registration organization and dived into GOP fundraising, becoming one of the top individual donors and bundlers to Trump’s 2024 comeback campaign. Even before nominating her for agriculture secretary, the president-elect already had tapped Loeffler as co-chair of his inaugural committee. Dr. Mehmet Oz, Centers for Medicaid and Medicare Services administrator Dr. Mehmet Oz, 64, is a former heart surgeon who hosted “The Dr. Oz Show,” a long-running daytime television talk show. He ran unsuccessfully for the U.S. Senate as the Republican nominee in 2022 and is an outspoken supporter of Trump, who endorsed Oz's bid for elected office. Elon Musk and Vivek Ramaswamy to advise White House on government efficiency Elon Musk, left, and Vivek Ramaswamy speak before Republican presidential nominee former President Donald Trump at an Oct. 27 campaign rally at Madison Square Garden in New York. Trump on Tuesday said Musk and former Republican presidential candidate Ramaswamy will lead a new “Department of Government Efficiency" — which is not, despite the name, a government agency. The acronym “DOGE” is a nod to Musk's favorite cryptocurrency, dogecoin. Trump said Musk and Ramaswamy will work from outside the government to offer the White House “advice and guidance” and will partner with the Office of Management and Budget to “drive large scale structural reform, and create an entrepreneurial approach to Government never seen before.” He added the move would shock government systems. It's not clear how the organization will operate. Musk, owner of X and CEO of Tesla and SpaceX, has been a constant presence at Mar-a-Lago since Trump won the presidential election. Ramaswamy suspended his campaign in January and threw his support behind Trump. Trump said the two will “pave the way for my Administration to dismantle Government Bureaucracy, slash excess regulations, cut wasteful expenditures, and restructure Federal Agencies.” Russell Vought, Office of Management and Budget Russell Vought held the position during Trump’s first presidency. After Trump’s initial term ended, Vought founded the Center for Renewing America, a think tank that describes its mission as “renew a consensus of America as a nation under God.” Vought was closely involved with Project 2025, a conservative blueprint for Trump’s second term that he tried to distance himself from during the campaign. Vought has also previously worked as the executive and budget director for the Republican Study Committee, a caucus for conservative House Republicans. He also worked at Heritage Action, the political group tied to The Heritage Foundation, a conservative think tank. Additional selections to the incoming White House Dan Scavino, deputy chief of staff Scavino, whom Trump's transition referred to in a statement as one of “Trump's longest serving and most trusted aides,” was a senior adviser to Trump's 2024 campaign, as well as his 2016 and 2020 campaigns. He will be deputy chief of staff and assistant to the president. Scavino had run Trump's social media profile in the White House during his first administration. He was also held in contempt of Congress in 2022 after a month-long refusal to comply with a subpoena from the House committee’s investigation into the Jan. 6, 2021, attack on the U.S. Capitol. James Blair, deputy chief of staff Blair was political director for Trump's 2024 campaign and for the Republican National Committee. He will be deputy chief of staff for legislative, political and public affairs and assistant to the president. Blair was key to Trump's economic messaging during his winning White House comeback campaign this year, a driving force behind the candidate's “Trump can fix it” slogan and his query to audiences this fall if they were better off than four years ago. Taylor Budowich, deputy chief of staff Budowich is a veteran Trump campaign aide who launched and directed Make America Great Again, Inc., a super PAC that supported Trump's 2024 campaign. He will be deputy chief of staff for communications and personnel and assistant to the president. Budowich also had served as a spokesman for Trump after his presidency. Jay Bhattacharya, National Institutes of Health Trump has chosen Dr. Jay Bhattacharya to lead the National Institutes of Health. Bhattacharya is a physician and professor at Stanford University School of Medicine, and is a critic of pandemic lockdowns and vaccine mandates. He promoted the idea of herd immunity during the pandemic, arguing that people at low risk should live normally while building up immunity to COVID-19 through infection. The National Institutes of Health funds medical research through competitive grants to researchers at institutions throughout the nation. NIH also conducts its own research with thousands of scientists working at its labs in Bethesda, Maryland. Dr. Marty Makary, Food and Drug Administration Makary is a Johns Hopkins surgeon and author who argued against pandemic lockdowns. He routinely appeared on Fox News during the COVID-19 pandemic and wrote opinion articles questioning masks for children. He cast doubt on vaccine mandates but supported vaccines generally. Makary also cast doubt on whether booster shots worked, which was against federal recommendations on the vaccine. Dr. Janette Nesheiwat, Surgeon General Nesheiwat is a general practitioner who serves as medical director for CityMD, a network of urgent care centers in New York and New Jersey. She has been a contributor to Fox News. Dr. Dave Weldon, U.S. Centers for Disease Control and Prevention Weldon is a former Florida congressman who recently ran for a Florida state legislative seat and lost; Trump backed Weldon’s opponent. In Congress, Weldon weighed in on one of the nation’s most heated debates of the 1990s over quality of life and a right-to-die and whether Terri Schiavo, who was in a persistent vegetative state after cardiac arrest, should have been allowed to have her feeding tube removed. He sided with the parents who did not want it removed. Jamieson Greer, U.S. trade representative Kevin Hassett, Director of the White House National Economic Council Trump is turning to two officials with experience navigating not only Washington but the key issues of income taxes and tariffs as he fills out his economic team. He announced he has chosen international trade attorney Jamieson Greer to be his U.S. trade representative and Kevin Hassett as director of the White House National Economic Council. While Trump has in several cases nominated outsiders to key posts, these picks reflect a recognition that his reputation will likely hinge on restoring the public’s confidence in the economy. Trump said in a statement that Greer was instrumental in his first term in imposing tariffs on China and others and replacing the trade agreement with Canada and Mexico, “therefore making it much better for American Workers.” Hassett, 62, served in the first Trump term as chairman of the Council of Economic Advisers. He has a doctorate from the University of Pennsylvania and worked at the right-leaning American Enterprise Institute before joining the Trump White House in 2017. Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter.

London, Dec. 16, 2024 (GLOBE NEWSWIRE) -- Pixalate , the global market-leading ad fraud protection, privacy, and compliance analytics platform, today released the Q3 2024 Invalid Traffic (IVT) & Ad Fraud Benchmark Reports focusing on the North America region. The reports analyze the invalid traffic (IVT, including ad fraud) rates for programmatic advertising on desktop and mobile websites, mobile apps, and CTV in Canada and the United States . In addition to the U.S. and Canada reports, Pixalate released SSP market share rankings for the UK, France, Spain, Germany, China, Japan, Singapore, India, Mexico, and Brazil. IVT Benchmarks in Programmatic Advertising in North America To compile this research, Pixalate's data science team analyzed over 100+ billion global programmatic advertising impressions in Q3 2024. The report benchmarks IVT and ad fraud across these devices and platforms by various criteria, including country, device type, app category, and app-ads.txt files. Pixalate's datasets — used exclusively to derive these insights — consist predominantly of buy-side open auction programmatic traffic sources. Download all of Pixalate’s Ad Fraud Benchmarks Reports United States Canada United Kingdom Germany France Spain Mexico Brazil China Japan Singapore India About Pixalate Pixalate is a global platform for privacy compliance, ad fraud prevention, and data intelligence in the digital ad supply chain. Founded in 2012, Pixalate’s platform is trusted by regulators, data researchers, advertisers, publishers, ad tech platforms, and financial analysts across the Connected TV (CTV), mobile app, and website ecosystems. Pixalate is MRC-accredited for the detection and filtration of Sophisticated Invalid Traffic (SIVT). www.pixalate.com Disclaimer The content of this press release, and the Q3 2024 Invalid Traffic (IVT) & Ad Fraud Benchmark Reports (the "Reports"), reflect Pixalate's opinions with respect to factors that Pixalate believes can be useful to the digital media industry. Any data shared is grounded in Pixalate’s proprietary technology and analytics, which Pixalate is continuously evaluating and updating. Any references to outside sources should not be construed as endorsements. Pixalate’s opinions are just that, opinions, which means that they are neither facts nor guarantees. Pixalate is sharing this data not to impugn the standing or reputation of any entity, person or app, but, instead, to report findings and trends pertaining to programmatic advertising activity in the time period studied. Pixalate does not independently verify third-party information. Per the Media Rating Council (MRC) , “‘Invalid Traffic’ is defined generally as traffic that does not meet certain ad serving quality or completeness criteria, or otherwise does not represent legitimate ad traffic that should be included in measurement counts. Among the reasons why ad traffic may be deemed invalid is it is a result of non-human traffic (spiders, bots, etc.), or activity designed to produce fraudulent traffic.” IVT is also sometimes referred to as “ad fraud.” Per the MRC , “'Fraud' is not intended to represent fraud as defined in various laws, statutes and ordinances or as conventionally used in U.S. Court or other legal proceedings, but rather a custom definition strictly for advertising measurement purposes.”

Vance raises visibility in transition, working to boost Trump’s most contentious picksTonight's episode of I'm A Celebrity... Get Me Out of Here! was a momentous one, with enormous cheers erupting in the jungle as a new champion was crowned. The 2024 series has thrilled audiences, some of whom have hailed it as the "best series ever" due to the charismatic castmates. This year's finalists were Coleen Rooney, Danny Jones from McFly, and Reverend Richard Coles. But it was Danny who reigned supreme as King of the Jungle, with hosts Ant and Dec delivering the exhilarating results on live television. Upon hearing that they had been voted as the public’s favourite 2024 campmate, Danny broke down in tears as he was left overwhelmed by the result. Asked how he felt, Danny replied: "It feels amazing, I can't even talk." Fans took to X, the social media platform formerly known as Twitter, to express their joy at the news. One wrote: Well done Danny totally deserved #ImACeleb," as another penned: "Buzzing for Danny #imaceleb." A third exclaimed: "Called that from the moment Danny Jones was announced. #imacelebrity #ImACeleb." One more gushed: "Aw Danny deserves it he spoke about his mental health, always remained positive and was just all round amazing #ImACeleb #imacelebrity2024." Earlier in the show, the final three had the opportunity to tuck into an extravagant final feast in camp. After their success in their last ever Bushtucker trial, The Towers of Terror, the campmates each got to pick their favourite meals. Danny had a starter of mozzarella sticks with sweet chilli sauce, a buttermilk chicken burger and chips for his main course, fresh cream profiteroles with warm Nutella sauce for dessert, and a cold glass of beer for his drink. Coleen had a starter of bruschetta, spaghetti bolognese with flaky parmesan cheese and garlic bread for her main course, the same profiterole dish as Danny for dessert, and a glass of French pale Provence rose for her drink. Richard had a starter of king prawn cocktail with salad, cottage pie with peas, carrots and gravy for his main course, fruit cake for dessert, and Chablis Grand Cru for his drink. After their final trial, Danny said: “Super proud of ourselves, it’s been an amazing journey and honestly, what a way to go out!” “I’m immensely proud, but we just don’t smell great!” Richard added, while Coleen admitted: “I’m glad it’s all over.” Catch up with the latest seris of I’m A Celebrity... Get Me Out Of Here! on ITVX.

MARPAI ANNOUNCES PRICING OF $700,000 PRIVATE PLACEMENT

US President-elect Donald Trump on Monday praised Japan's SoftBank for its decision to invest $100 billion in the United States and create 100,000 new jobs, a big win for his incoming administration. "This historic investment is a monumental demonstration of confidence in America's future," Trump said during a press conference at his Mar-a-Lago residence in Florida, flanked by SoftBank chief executive Masayoshi Son. "It will help ensure that artificial intelligence, emerging technologies and other industries of tomorrow are built, created and grown right here in the USA," added Trump, who takes office from US President Joe Biden next month. Speaking alongside Trump, Son confirmed the investment company's financial commitment, adding that Trump's victory had "tremendously increased" his confidence in the US economy. "I am truly excited to make this happen," added Son, 67. Son's announcement is around double the amount he committed SoftBank to in December 2016, shortly before Trump began his first term as president. The Japanese investment holding company ultimately parted with around $100 billion through its Vision Fund, with much of the money supplied by sovereign wealth funds in Saudi Arabia and the United Arab Emirates. "President Trump is a double-down president," Son said on Monday, adding: "I'm going to have to double down." Son made his name with successful early investments in Chinese e-commerce titan Alibaba and internet pioneer Yahoo, but has also bet on catastrophic failures such as WeWork. He has repeatedly said that "artificial superintelligence" will arrive in a decade, bringing new inventions, new medicine, new knowledge and new ways to invest. The SoftBank Group posted a bumper second-quarter net profit last month, returning to the black after net losses in the first quarter and the previous financial year. The company indicated back in March that it had $26 billion ready to be deployed for new investments. Stephen Moore, an economic advisor to Donald Trump, said the announcement marked a "great day." "The importation of capital into the US is a huge leading indicator for jobs and prosperity to come," Moore, an economist at the conservative Heritage Foundation, told AFP in a message. On the campaign trail, Trump pledged to boost the US economy by cutting red tape and fast-tracking investments, including into the oil and gas sector. US financial markets surged following his victory on November 5, with the tech-rich Nasdaq Composite index and the broad-based S&P 500 both hitting fresh records. Despite the enthusiasm in the markets, some analysts have voiced concern that Trump's proposals to implement new tariffs on US imports and deport millions of undocumented workers could end up hurting growth, and causing a spike in inflation. "The increased likelihood of substantial new tariffs on US imports would have the most consequential effect on economic growth," economists at Wells Fargo wrote in a recent note to clients, adding they had "bumped up" their inflation outlook and slightly cut their GDP forecast following Trump's win. Other analysts say the impact of Trump's tariff plans will largely depend on how they are actually implemented. "The impact on inflation need not be particularly significant for monetary policy," economists at Goldman Sachs wrote in a recent investor note. But, they added "this could change if the White House imposes a 10 percent universal tariff," referring to one of Trump's proposals on the campaign trail. Speaking in Mar-a-Lago on Monday, Trump insisted that, "properly used," tariffs would be positive for the US economy. "Our country right now loses to everybody," he said. "Almost nobody do we have a surplus with." "Tariffs will make our country rich," he added. da-tu/nroHouse rejects Democratic efforts to force release of Matt Gaetz ethics report

NoneIn one form or another, College Football Playoff controversy touched the SEC, Big 12, ACC and Mountain West — all the relevant conferences except one. The Big Ten was essentially unscathed during the selection process for the inaugural 12-team event. Oregon, the undefeated conference champion, landed the No. 1 overall seed. Penn State, the runner up, received the No. 6 seed, followed by No. 8 Ohio State and No. 10 Indiana. The Hoosiers were closest to the fire but never seemed in danger of losing their spot — even after Clemson won the ACC championship and stole a bid. It was always Alabama vs. SMU for the seventh and final at-large berth. Why did Indiana stay above the fray? For that matter, why did Penn State, which had one victory over a ranked team (Illinois), receive the No. 6 seed? And why did Ohio State warrant the No. 8 spot ahead of Tennessee, giving the Buckeyes home-field advantage in their opening-round date with the Volunteers. “Ultimately as a committee and as we voted these teams, Ohio State was one ahead of Tennessee,” said Warde Manuel, the committee chair and Michigan’s athletic director. “But we didn’t look at it — as well, if we put Ohio State 6 and Tennessee 7, one is going to host and one is not. We never, I can assure you and everybody ... never even talked about it until after the Top 25 was ranked.” In each instance (Penn State, Ohio State and Indiana), there’s a case to be made for the placement of the Big Ten team. What strikes us is the conference seemed to get the benefit of the doubt despite underlying data that reflect weakness: — The Big Ten is No. 3 in the Sagarin computer ratings, far behind the SEC and even behind the Big 12. — The Big Ten was 1-3 head-to-head against the SEC. Add two losses to Notre Dame, and the conference was 1-5 against its true peer group. — The Big Ten’s overall non-conference performance was largely forgettable, with only two wins over teams that finished in the CFP rankings released Sunday: Oregon over No. 9 Boise State and Nebraska over No. 23 Colorado. — Oregon, Ohio State, Penn State and Indiana all played substantially weaker schedules than two of the SEC teams, Alabama and South Carolina, that were left out of the CFP field, according to the Sagarin ratings. For all the focus on Alabama and SMU for the final at-large berth, we’d argue the Crimson Tide has a substantially stronger resume than Indiana (more quality wins, tougher schedule) except for the number of losses, which mattered dearly to the committee. (The Hoosiers played one game against a team in the final CFP rankings, Ohio State, and lost.) Exactly why the Big Ten received the benefit of the doubt time and time again — in our view, at least — we might never know. But the conference was, indisputably, one of the biggest winners Sunday. Our breakdown of the sport’s decisive day ... As a reward for losing the SEC title game, the Longhorns received what is arguably the most coveted seed in the event: No. 5. They will open at home against three-loss Clemson, then advance to Atlanta to face Arizona State. Meanwhile, top-seeded Oregon doesn’t play a home game and will face the Ohio State-Tennessee winner. The format needs to change to provide greater rewards for the conference champions. The Irish should have been seeded higher than No. 7. But in that position, they are bracketed with No. 2 Georgia in the quarterfinals. The committee was clearly reluctant to drop the losers of conference title games (Penn State and Texas) below a team that doesn’t have a conference. Never before has one loss provided as much rocket fuel as Boise State’s 37-34 defeat at Oregon in Week 2. That performance, along with a perfect run through the rest of their schedule, propelled the Broncos all the way to the No. 3 seed and a spot in the Fiesta Bowl. What a victory for the Group of Five, the Mountain West and the rebuilt Pac-12, which will be Boise State’s home in 2026. Alabama lost the resume showdown with SMU for the final at-large berth and South Carolina watched the team it defeated last week, Clemson, roll into the playoff thanks to the ACC’s automatic bid. It could not have gone much worse for the kingpin, . The Mustangs agreed to join the ACC without any media revenue distributions, filled the hole in their budget (thanks to deep-pocketed donors) and reached the CFP in their first season in a power conference. The conference was poorly ranked for five weeks and stood zero chance of receiving an at-large berth, then watched as its champion, Arizona State, was seeded behind Boise State. All in all, the committee showed the Big 12 little respect. It’s an . The CFP’s opening round will feature December 20-21 kickoffs in Columbus, South Bend and State College. The Hotline is rooting for a snowstorm that weekend at the 40th parallel. The Hotline has hammered on this point in recent weeks and will reiterate for anyone who missed it: The Cougars should have been smack in the middle of the at-large conversation. They had a better strength-of-schedule than SMU and won the head-to-head matchup . Somehow, the Cougars were seven spots below the Mustangs. There isn’t much left to say about the Sun Devils’ rise from nowhere to the CFP in three remarkable months. And even better for ASU fans: Arizona imploded. Some years aren’t as bad as others. This one was terrible — not the end result so much as the month-long process, the flip-flops and contradictions, the missteps and poor communication of intent and priorities. Give the committee a C- for its performance. Related Articles The network should generate blockbuster ratings with the marquee matchup of the opening round, Tennessee at Ohio State, which is slotted for 5 p.m. (Pacific) on Saturday, Dec. 21. The other two games that day face competition from the NFL. But the Buckeyes and Vols will be unopposed. We aren’t knocking UW’s qualifications for the postseason or commenting on the Huskies performance over the past three month. This is more about the assignment itself: The Sun Bowl against Louisville is just, well, blah. The Granddaddy is one victory away from an Oregon-Ohio State collision in the quarterfinals — the most Pac-12 vs. Big Ten matchup it could have reasonably asked for. The more things change ... The extra week in the NCAA’s competition calendar pushed CFP selection day back to Dec. 8 and left us with less than one week until the first bowl games (Dec. 14). To be clear: We aren’t complaining, not for one second. We think the Ducks would have been better off as the No. 5 seed, with a home game and matchups against the No. 4 and No. 12 seeds. But the extra rest will be helpful — as long as it doesn’t bring rust — and the undefeated regular season and Big Ten title should be cherished. The season ends where it began, in Las Vegas against an SEC opponent. It’s just that when the Trojans left Sin City on Sept. 1, after beating LSU, they never expected to be back in December with a .500 record to face Texas A&M. With the first pick of the Pac-12 legacy schools, the Alamo matched Colorado against Brigham Young. Two ranked teams plus one Deion Sanders should equate to loads of interest and first-rate TV ratings. Any postseason berth is a victory for the Bears, but they drew a daunting opponent in the LA Bowl. We have watched both teams play numerous times, and the Rebels are better. That said, their coach, Barry Odom, just accepted the Purdue job, which could tip the balance to Cal. So let’s view the Bears as both winner and loser. Sure, the three-game losing streak was a massive disappointment given the state of play in early November. But had you told the Cougars prior to the season that their journey would end in the Holiday Bowl (against Syracuse), they assuredly would have jumped at the offer.

JERUSALEM — Israel approved a United States-brokered ceasefire agreement with Lebanon's Hezbollah on Tuesday, setting the stage for an end to nearly 14 months of fighting linked to the ongoing war in the Gaza Strip. In the hours leading up to the Cabinet meeting, Israel carried out its most intense wave of strikes in Beirut and its southern suburbs and issued a record number of evacuation warnings. At least 24 people were killed in strikes across the country, according to local authorities, as Israel signaled it aims to keep pummeling Hezbollah in the final hours before any ceasefire takes hold. Israel's security Cabinet approved the ceasefire agreement late Tuesday after it was presented by Prime Minister Benjamin Netanyahu, his office said. U.S. President Joe Biden, speaking in Washington, called the agreement “good news” and said his administration would make a renewed push for a ceasefire in Gaza. An Israel-Hezbollah ceasefire would mark the first major step toward ending the regionwide unrest triggered by Hamas’ attack on Israel on Oct. 7, 2023. But it does not address the devastating war in Gaza. U.S. President-elect Donald Trump has vowed to bring peace to the Middle East, but neither he nor Netanyahu have proposed a postwar solution for the Palestinian territory, where Hamas is still holding dozens of hostages and the conflict is more intractable. Still, any halt to the fighting in Lebanon is expected to reduce the likelihood of war between Israel and Iran, which backs both Hezbollah and Hamas and exchanged direct fire with Israel on two occasions earlier this year. Smoke rises following an Israeli airstrike on Dahiyeh, in Beirut, Lebanon, Tuesday, Nov. 26, 2024. Netanyahu presented the ceasefire proposal to Cabinet ministers after a televised address in which he listed a series of accomplishments against Israel’s enemies across the region. He said a ceasefire with Hezbollah would further isolate Hamas in Gaza and allow Israel to focus on its main enemy, Iran, which backs both groups. “If Hezbollah breaks the agreement and tries to rearm, we will attack,” he said. “For every violation, we will attack with might.” Netanyahu's office later said Israel appreciated the U.S. efforts in securing the deal but "reserves the right to act against every threat to its security.” It was not immediately clear when the ceasefire would go into effect, and the exact terms of the deal were not released. The deal calls for a two-month initial halt in fighting and would require Hezbollah to end its armed presence in a broad swath of southern Lebanon, while Israeli troops would return to their side of the border. Thousands of additional Lebanese troops and U.N. peacekeepers would deploy in the south, and an international panel headed by the United States would monitor all sides’ compliance. But implementation remains a major question mark. Israel has demanded the right to act should Hezbollah violate its obligations. Lebanese officials have rejected writing that into the proposal. Biden said Israel reserved the right to quickly resume operations in Lebanon if Hezbollah breaks the terms of the truce, but that the deal "was designed to be a permanent cessation of hostilities.” Hezbollah has said it accepts the proposal, but a senior official with the group said Tuesday that it had not seen the agreement in its final form. “After reviewing the agreement signed by the enemy government, we will see if there is a match between what we stated and what was agreed upon by the Lebanese officials,” Mahmoud Qamati, deputy chair of Hezbollah’s political council, told the Al Jazeera news network. “We want an end to the aggression, of course, but not at the expense of the sovereignty of the state” of Lebanon, he said. “Any violation of sovereignty is refused.” In this screen grab image from video provide by the Israeli Government Press Office, Israeli Prime Minister Benjamin Netanyahu makes a televised statement Tuesday, Nov. 26, 2024, in Jerusalem, Israel. Even as Israeli, U.S, Lebanese and international officials have expressed growing optimism over a ceasefire, Israel has continued its campaign in Lebanon, which it says aims to cripple Hezbollah’s military capabilities. An Israeli strike on Tuesday leveled a residential building in the central Beirut district of Basta — the second time in recent days warplanes have hit the crowded area near the city’s downtown. At least seven people were killed and 37 wounded, according to Lebanon's Health Ministry. Strikes on Beirut's southern suburbs killed at least one person and wounded 13, it said. Three people were killed in a separate strike in Beirut and three in a strike on a Palestinian refugee camp in southern Lebanon. Lebanese state media said another 10 people were killed in the eastern Baalbek province. Israel says it targets Hezbollah fighters and their infrastructure. Israel also struck a building in Beirut's bustling commercial district of Hamra for the first time, hitting a site that is around 400 meters (yards) from Lebanon’s Central Bank. There were no reports of casualties. The Israeli military said it struck targets in Beirut and other areas linked to Hezbollah's financial arm. The evacuation warnings covered many areas, including parts of Beirut that previously have not been targeted. The warnings, coupled with fear that Israel was ratcheting up attacks before a ceasefire, sent residents fleeing. Traffic was gridlocked, and some cars had mattresses tied to them. Dozens of people, some wearing their pajamas, gathered in a central square, huddling under blankets or standing around fires as Israeli drones buzzed loudly overhead. Hezbollah, meanwhile, kept up its rocket fire, triggering air raid sirens across northern Israel. Israeli military spokesman Avichay Adraee issued evacuation warnings for 20 buildings in Beirut's southern suburbs, where Hezbollah has a major presence, as well as a warning for the southern town of Naqoura where the U.N. peacekeeping mission, UNIFIL, is headquartered. UNIFIL spokesperson Andrea Tenenti told The Associated Press that peacekeepers will not evacuate. A police bomb squad officer inspects the site where a rocket fired from Lebanon landed in a backyard in Kiryat Shmona, northern Israel, Tuesday Nov. 26, 2024. The Israeli military also said its ground troops clashed with Hezbollah forces and destroyed rocket launchers in the Slouqi area on the eastern end of the Litani River, a few kilometers (miles) from the Israeli border. Under the ceasefire deal, Hezbollah would be required to move its forces north of the Litani, which in some places is about 30 kilometers (20 miles) north of the border. Hezbollah began firing into northern Israel, saying it was showing support for the Palestinians, a day after Hamas carried out its Oct. 7, 2023, attack on southern Israel, triggering the Gaza war. Israel returned fire on Hezbollah, and the two sides have been exchanging barrages ever since. Israel escalated its campaign of bombardment in mid-September and later sent troops into Lebanon, vowing to put an end to Hezbollah fire so tens of thousands of evacuated Israelis could return to their homes. More than 3,760 people have been killed by Israeli fire in Lebanon the past 13 months, many of them civilians, according to Lebanese health officials. The bombardment has driven 1.2 million people from their homes. Israel says it has killed more than 2,000 Hezbollah members. Hezbollah fire has forced some 50,000 Israelis to evacuate in the country’s north, and its rockets have reached as far south in Israel as Tel Aviv. At least 75 people have been killed, more than half of them civilians. More than 50 Israeli soldiers have died in the ground offensive in Lebanon. Chehayeb and Mroue reported from Beirut. Associated Press reporters Lujain Jo and Sally Abou AlJoud in Beirut contributed. Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission. Stay up-to-date on the latest in local and national government and political topics with our newsletter.None