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jili jili slot If it feels like sometimes the super-wealthy live on another planet, it's because they sort of do. To prove it, someone on Reddit asked, "What's the most out-of-touch thing you heard from rich people?" Here's what they said, including some responses from members of the BuzzFeed Community . 3. "Being told by a guy who has not worked a day in his life and living off of inherited money that poor people are poor because they don't invest their money right." — Gorgiuostim 6. "A very privileged but oblivious student asked me seriously whether making $300,000 per year would be enough to live comfortably." — Smallgreatthings 9. "I had a friend whose parents were very well off (living in Silicon Valley and all that). Once, I was complaining to her that I wanted to travel but didn't have the funds. She said, 'Well, all it takes is saving $100 a week or so.' I responded by telling her I hardly had $20 left from my paychecks, and even that gets spent most of the time." — Appropriate_Sky_6571 14. "I had a boss who didn’t believe me when I said salaries often assumed you had a (minimum) 40-hour work week... He had never had a job before his dad gave him several million dollars to start a company. He thought I was making up the concept of the 40-hour work week because he’d never heard of this and loudly told me I was bad at math. He had a business degree from Wharton. His error ended up working in my favor, so I just went with it." —Anonymous 15. "'Oh you can't afford to come on this spontaneous trip to the Mediterranean? No problem, you can borrow money from me, and pay me back next month.'" — SoftwareElectronic 19. "That anyone can make it if they 'just work hard enough' (coming from someone who was born rich). No, that’s not how the world works. If you’re born with almost nothing, it takes a lot more effort and work to get to a similar starting point. And even then, you still don’t have the same starting conditions like important social connections." — unkreativitaet_ Do you have something to add? What is something totally out of touch a rich person has said? Or what is a laughably ridiculous interaction you've had with someone extremely wealthy? Tell us in the comments or in this anonymous form .AFC standouts meet when Herbert, Chargers host Jackson's Ravens on Monday nightLindsey Vonn takes another step in comeback at age 40, competes in a pair of downhills

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On Monday, Bengaluru-based engineer Atul Subhash , 34, was found dead at his residence in Munnekolalu, Marathahalli. Subhash, originally from Uttar Pradesh , took his own life, leaving behind a 24-page suicide note and a video. His death has ignited the #MenToo movement, with social media users rallying behind the hashtags #JusticeForAtulSubhash and #MenToo to highlight what they perceive as systemic biases against men in the legal and social spheres. In his home, Subhash displayed a placard reading “Justice is due,” underscoring his frustration with what he described as prolonged harassment by his wife, Nikita Singhania , and her family. Harassment Allegations and Financial Strain In his suicide note and video, Subhash alleged that his wife had filed nine cases against him, including charges of domestic violence, dowry harassment, and unnatural offences. He claimed that these cases were baseless, citing an instance where his wife withdrew one case only to file a new one later. “My wife has registered nine cases against me. Six cases are in the lower court and three in the high court,” Subhash stated in his video. He explained that the financial burden of legal proceedings and court-ordered payments had left him in despair. “It is better for me to end my life as the money that I am earning is only making my enemies stronger as I have to pay them, and the same money will be used to destroy me. This cycle will keep continuing,” Subhash said in the video. Web Development Mastering Full Stack Development: From Frontend to Backend Excellence By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) AI for Everyone: Understanding and Applying the Basics on Artificial Intelligence By - Ritesh Vajariya, Generative AI Expert View Program Data Science SQL for Data Science along with Data Analytics and Data Visualization By - Metla Sudha Sekhar, IT Specialist and Developer View Program Finance Financial Literacy for Non-Finance Executives By - CA Raja, Chartered Accountant | Financial Management Educator | Former AVP - Credit, SBI View Program Astrology Vastu Shastra Course By - Sachenkumar Rai, Vastu Shashtri 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 Data Analysis Learn Power BI with Microsoft Fabric: Complete Course By - Prince Patni, Software Developer (BI, Data Science) View Program Marketing Modern Marketing Masterclass by Seth Godin By - Seth Godin, Former dot com Business Executive and Best Selling Author View Program Artificial Intelligence(AI) Mastering C++ Fundamentals with Generative AI: A Hands-On By - Metla Sudha Sekhar, IT Specialist and Developer View Program Strategy Succession Planning Masterclass By - Nigel Penny, Global Strategy Advisor: NSP Strategy Facilitation Ltd. 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According to Subhash, during one court hearing, his wife demanded a settlement amount of ₹3 crore, which was initially ₹1 crore. When he argued that the cases were false, the judge allegedly dismissed his concerns, stating, “So what? She is your wife, and this is common.” Subhash alleged that his wife encouraged him to commit suicide, saying, “Why don’t you do the same?” He claimed the judge laughed at this comment. He further accused the judge of demanding ₹5 lakh as a bribe to settle the matter. Social Media Reaction The incident has triggered widespread outrage on social media. Netizens have criticised the legal and judicial systems, with one user on X (formerly Twitter) writing, “It’s a crime to be a man in India.” — theprayagtiwari (@theprayagtiwari) — theskindoctor13 (@theskindoctor13) — Lok__Esh (@Lok__Esh) — Lap_surgeon (@Lap_surgeon) — office_of_HH (@office_of_HH) — soulful3270 (@soulful3270) — HRISHIKESH3390 (@HRISHIKESH3390) — _chandanmishra_ (@_chandanmishra_) — RohitInExile (@RohitInExile) Another user stated, “Honestly, our justice system is so broken.” Activist Chandan Mishra wrote, “Men often suffer in silence, burdened by responsibilities, yet their struggles remain unseen.” Police Investigation and Legal Action Following a complaint by Subhash’s brother, Bikas Kumar, the Marathahalli police registered a case of abetment to suicide against Subhash’s wife, her mother Nisha Singhania, brother Anurag Singhania, and uncle Sushil Singhania. Kumar told the police that Subhash was mentally and physically strained due to court proceedings and constant mockery by his in-laws. “Every time Atul attended the court hearing, he was mocked by his in-laws and told to die if he could not pay the money or for visitation rights. These drove him to take the extreme step,” Kumar said. Subhash’s suicide note also addressed broader systemic issues. He referred to the situation as a “legal genocide of men” and demanded live hearings for all his cases. He requested that his child’s custody be granted to his parents and that his wife and her family be barred from attending his funeral. “Despite all these, if the accused are allowed to go scot-free, just dump my ashes into a gutter near the court. This way, I can know how life is valued in this country,” Subhash wrote. The case has reignited debates around the mental health challenges faced by men and the need for legal reforms to ensure fairness in matrimonial disputes. The Marathahalli police continue their investigation, and the incident has highlighted the urgent need for systemic changes. As the #MenToo movement gains momentum, activists are demanding greater awareness and support for men’s mental health and rights. (You can now subscribe to our Economic Times WhatsApp channel )Manchester United will look to bounce back from a heavy 3-0 defeat to Bournemouth when they travel to Molineux for their Boxing Day clash with Wolverhampton Wanderers . Dean Huijsen , Justin Kluivert and Antoine Semenyo all got on the scoresheet on Sunday to condemn Man United to a 3-0 defeat at Old Trafford for the second straight season, leaving the Red Devils in 13th place with 22 points to their name after 17 games. Ruben Amorim 's side have now lost three of their previous four Premier League matches, while Wolves will be in high spirits after they cruised to a 3-0 victory over Leicester City in Vitor Pereira 's first game in charge. Here, Sports Mole rounds up Man United's injury and suspension news ahead of their away clash with Wolves, who are sitting two points adrift of safety in 18th position. © Imago Status: Major Doubt Type of injury: Illness Possible return date: December 26 (vs. Wolves) De Ligt has sat out the last two matches due to illness. Man United have not provided a timeline for the Dutchman's return, but they will hope he can recover in time to feature in Thursday's squad. © Imago Status: Out Type of injury: Unspecified Possible return date: Unknown Mount's suffered his latest injury setback in the Manchester derby earlier this month, lasting just 14 minutes before he had to be withdrawn at the Etihad Stadium. No return date has been given, but Man United are reportedly fearful that he could be out of action until March. Victor Lindelof © Imago Status: Major doubt Type of injury: Unspecified Possible return date: December 26 (vs. Wolves) Lindelof was picked up an injury in last week's EFL Cup defeat against Tottenham, before he sat out Sunday's Premier League clash with Bournemouth, making him a likely absentee for the upcoming trip to Molineux. Luke Shaw © Imago Status: Out Type of injury: Hamstring Possible return date: Unknown Shaw suffered another injury setback earlier this month, picking up a hamstring problem not long after returning to competitive action following a lengthy spell on the sidelines. Man United are likely to take a cautious approach with Shaw's recovery as look to avoid any further issues. MANCHESTER UNITED'S SUSPENSION LIST Man United have no players suspended for the Boxing Day clash.

NEW YORK (AP) — U.S. stock indexes drifted lower Tuesday in the runup to the highlight of the week for the market, the latest update on inflation that’s coming on Wednesday. The S&P 500 dipped 0.3%, a day after pulling back from its latest all-time high . They’re the first back-to-back losses for the index in nearly a month, as momentum slows following a big rally that has it on track for one of its best years of the millennium . The Dow Jones Industrial Average fell 154 points, or 0.3%, and the Nasdaq composite slipped 0.3%. Tech titan Oracle dragged on the market and sank 6.7% after reporting growth for the latest quarter that fell just short of analysts’ expectations. It was one of the heaviest weights on the S&P 500, even though CEO Safra Catz said the company saw record demand related to artificial-intelligence technology for its cloud infrastructure business, which trains generative AI models. AI has been a big source of growth that’s helped many companies’ stock prices skyrocket. Oracle’s stock had already leaped more than 80% for the year coming into Tuesday, which raised the bar of expectations for its profit report. In the bond market, Treasury yields ticked higher ahead of Wednesday’s report on the inflation that U.S. consumers are feeling. Economists expect it to show similar increases as the month before. Wednesday’s update and a report on Thursday about inflation at the wholesale level will be the final big pieces of data the Federal Reserve will get before its meeting next week, where many investors expect the year’s third cut to interest rates . The Fed has been easing its main interest rate from a two-decade high since September to take pressure off the slowing jobs market, after bringing inflation nearly down to its 2% target. Lower rates would help give support to the economy, but they could also provide more fuel for inflation. Expectations for a series of cuts through next year have been a big reason the S&P 500 has set so many records this year. Trading in the options market suggests traders aren’t expecting a very big move for U.S. stocks following Wednesday’s report, according to strategists at Barclays. But a reading far off expectations in either direction could quickly change that. The yield on the 10-year Treasury rose to 4.22% from 4.20% late Monday. Even though the Fed has been cutting its main interest rate, mortgage rates have been more stubborn to stay high and have been volatile since the autumn. That has hampered the housing industry, and homebuilder Toll Brothers’ stock fell 6.9% even though it delivered profit and revenue for the latest quarter that topped analysts’ expectations. CEO Douglas Yearley Jr. said the luxury builder has been seeing strong demand since the start of its fiscal year six weeks ago, an encouraging signal as it approaches the beginning of the spring selling season in mid-January. Elsewhere on Wall Street, Alaska Air Group soared 13.2% after raising its forecast for profit in the current quarter. The airline said demand for flying around the holidays has been stronger than expected. It also approved a plan to buy back up to $1 billion of its stock, along with new service from Seattle to Tokyo and Seoul . Boeing climbed 4.5% after saying it’s resuming production of its bestselling plane , the 737 Max, for the first time since 33,000 workers began a seven-week strike that ended in early November. Vail Resorts rose 2.5% after the ski resort operator reported a smaller first-quarter loss than analysts expected in what is traditionally its worst quarter. All told, the S&P 500 fell 17.94 points to 6,034.91. The Dow dipped 154.10 to 44,247.83, and the Nasdaq composite slipped 49.45 to 19,687.24. In stock markets abroad, indexes were mixed in China after the world’s second-largest economy said its exports rose by less than expected in November. Stocks rose 0.6% in Shanghai but fell 0.5% in Hong Kong. Indexes fell across much of Europe ahead of a meeting this week by the European Central Bank, where the widespread expectation is for another cut in interest rates. AP Business Writers Matt Ott and Elaine Kurtenbach contributed.

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BYD on track to top 2024 sales goal and outsell Ford, Honda3D Metrology Market Is Booming Worldwide 2024-2031 11-21-2024 07:31 PM CET | IT, New Media & Software Press release from: SkyQuest Technology 3D Metrology Market Global 3D Metrology Market size was valued at USD 8.68 billion in 2022 and is poised to grow from USD 9.28 billion in 2023 to USD 15.82 billion by 2031, at a CAGR of 6.9% during the forecast period (2024-2031). The Research report on 3D Metrology Market presents a complete judgment of the market through strategic insights on future trends, growth factors, supplier landscape, demand landscape, Y-o-Y growth rate, CAGR, pricing analysis. It also provides and a lot of business matrices including Porters Five Forces Analysis, PESTLE Analysis, Value Chain Analysis, 4 Ps' Analysis, Market Attractiveness Analysis, BPS Analysis, Ecosystem Analysis. Request for Sample Copy of this Global 3D Metrology Market: https://www.skyquestt.com/sample-request/3d-metrology-market Segmental Analysis Component Hardware, Software, Services [After-sales Services, Software-as-a-service, Storage-as-a-service, Measurement Services] End User Automotive [Automotive Design and Styling, Pilot Plant Metrology, Automotive Component Inspection, Others], Aerospace & Defence [Aircraft Components, Defense, Space Exploration], Medical [Orthopedics and Prosthetics, Medical Devices, Dental], Heavy Machinery, Construction & Engineering, Energy & Power [Turbines, Solar Panels], Mining, Other Industries Application Quality control & inspection, Reverse engineering, Virtual simulation, 3D scanning Product Type ODS [3D Laser Scanner, Structured Light Scanner, Laser Tracker], CMM [Bridge CMM, Gantry CMM, Horizontal Arm CMM, Cantilever CMM, Articulated Arm CMM], VMM [Vision System, Measuring Microscope, Optical Comparator, Multi-sensor Measuring System], 3D Automated Optical Inspection System, Form measurement, Others Market Dynamics 3D Metrology Market Drivers Increase in R&D to Bolster Market Growth Around the world, there have been more investments made in the R&D sector to create innovative metrology products and solutions. Rapid technical change is being caused by ongoing R&D in the electronics industry. Additionally, these sectors have developed new tools for precise management and inspection in order to boost efficiency and fulfil rising demand. The market is expected to increase as a result of these factors. The market for 3D metrology will also be greatly influenced by the expanding usage of 3D data for modelling and analysis across numerous industries, as well as by the strong demand for big data analysis. As industries strive for higher levels of quality assurance, 3D metrology plays a crucial role in ensuring precise and accurate measurements. Industries such as automotive, aerospace, electronics, and manufacturing require stringent quality standards to meet customer expectations and regulatory requirements. 3D metrology enables comprehensive and detailed measurement analysis, helping organizations maintain quality control and improve product reliability. Want to customize this report? Ask here : https://www.skyquestt.com/speak-with-analyst/3d-metrology-market By Regions and Countries o North America o Europe o Asia-Pacific o South America o Middle East & Africa Following are the players analyzed in the report • Hexagon AB (Sweden) • Zeiss Group (Germany) • Faro Technologies, Inc. (United States) • Nikon Metrology NV (Belgium) • Renishaw plc (United Kingdom) • Keyence Corporation (Japan) • Mitutoyo Corporation (Japan) • Automated Precision Inc. (United States) • Jenoptik AG (Germany) • WENZEL Group GmbH & Co. KG (Germany) • ZEISS Industrial Metrology (Germany) • Carl Zeiss Optotechnik GmbH (Germany) • KLA Corporation (United States) • Bruker Corporation (United States) • Trimble Inc. (United States) • 3D Systems Corporation (United States) • Cognex Corporation (United States) • AMETEK, Inc. (United States) • Zebra Technologies Corporation (United States) • Surphaser (United States) View report summary and Table of Contents (TOC): https://www.skyquestt.com/report/3d-metrology-market The research provides answers to the following key questions: • What is the estimated growth rate of the market for the forecast period 2024-2031? What will be the market size during the estimated period? • What are the key driving forces responsible for shaping the fate of the 3D Metrology Market during the forecast period? • Who are the major market vendors and what are the winning strategies that have helped them occupy a strong foothold in the 3D Metrology Market? • What are the prominent market trends influencing the development of the 3D Metrology Market across different regions? • What are the major threats and challenges likely to act as a barrier in the growth of the 3D Metrology Market? • What are the major opportunities the market leaders can rely on to gain success and profitability? About Us: SkyQuest is an IP focused Research and Investment Bank and Accelerator of Technology and assets. We provide access to technologies, markets and finance across sectors viz. Life Sciences, CleanTech, AgriTech, NanoTech and Information & Communication Technology. We work closely with innovators, inventors, innovation seekers, entrepreneurs, companies and investors alike in leveraging external sources of R&D. Moreover, we help them in optimizing the economic potential of their intellectual assets. Our experiences with innovation management and commercialization has expanded our reach across North America, Europe, ASEAN and Asia Pacific. Contact: Mr. Jagraj Singh Skyquest Technology 1 Apache Way, Westford, Massachusetts 01886 USA (!) 351-333-4748 Visit Our Website: https://www.skyquestt.com/ This release was published on openPR.

LAGOS – The American University of Nigeria (AUN) marked its 16th Annual Founder’s Day and 20th Anniversary on Saturday, in a grand celebration of academic excellence and visionary leadership. The event brought together an august gathering of political figures, diplomats, scholars, and traditional leaders from Yola and beyond. Hosted at the esteemed Lamido Aliyu Musdafa Commencement Hall, the occasion was graced by the presence of the Labour Party’s 2023 presidential candidate, and long-time political ally of Atiku, former Governor Peter Obi, who delivered the keynote address. In a heartfelt message, the American Embassy in Nigeria, through Deputy Ambassador David Greene, conveyed its solidarity with AUN’s faculty and staff, expressing gratitude for the institution’s commitment to Yola and its surrounding communities. The Embassy also lauded the foresight of AUN’s Founder for his vision in establishing the university in this remarkable region, particularly for its impactful humanitarian initiatives. In his address, AUN President Dewayne Frazier extolled the institution’s 20-year journey, crediting Atiku’s visionary leadership and unwavering commitment. “Today we celebrate the fruits of two decades of steadfast vision,” he declared, emphasizing the collective achievements of the university’s dedicated staff, students, and alumni. Among the poignant moments of the day, the AUN Honour Society recognized students for their outstanding academic accomplishments and their remarkable contributions to community development. Mr. Dan Okereke, Vice President for Academics, highlighted the Honour Society’s creation of an annual Science, Technology, Engineering, and Mathematics (STEM) competition in Adamawa State’s secondary schools, further cementing AUN’s commitment to nurturing future innovators. During his stirring keynote address, Obi expressed heartfelt appreciation for Atiku’s personal sacrifices in championing education, a pursuit he described as “more of a calling than a venture for profit.” His address to the students was a clarion call to embrace leadership, hope, and the promise of a brighter future for Nigeria, despite its challenges. While, quoting the profound words of Chinua Achebe, Obi reiterated the timeless truth: Nigeria’s challenges are rooted in a deficit of true leadership. He underscored the qualities of a good leader—competence, compassion, vision—and urged the students to rise above tribal and religious divides. He further noted that the success of a nation is anchored in the health and education of its people, emphasizing that a strong education system is a cornerstone of societal progress. In his reflection on Nigeria’s recent economic trajectory, Obi called upon the youth to forge a new path, focused on meritocracy and performance rather than tribalism or religion. “The future of Nigeria lies in the hands of our youth,” he declared, urging them to hold fast to the values of integrity and excellence. The ceremony culminated in a poignant moment when AUN President Frazier presented a commemorative book to Atiku, Board of Trustees Chairman Senator Ben Obi, and keynote speaker Governor Obi, marking their vital roles in the university’s storied legacy. Atiku, in his remarks, expressed profound gratitude for AUN’s journey thus far. “Today, we celebrate not only a milestone but a movement—a vision that has touched countless lives. This is but the beginning,” he said, acknowledging the contributions of key individuals who have helped shape AUN’s legacy, including Professor Robert Pastor, the University’s first Board Chairman, Mr. Ahmed Joda, the pioneering Board members who have served over the years. As AUN embarks on its next chapter, Atiku closed with optimism: “For us, this 20th anniversary marks only the beginning of our journey ahead.”

Young people will have their benefits cut if they do not take up employment or education opportunities under Government plans to tackle worklessness, a minister has confirmed. Work and Pensions Secretary Liz Kendall will set out details of how she intends to tackle economic inactivity and slash billions of pounds from the costs of welfare, on Tuesday. She has now confirmed her “youth guarantee” policy, which will compel those aged 18 to 21 to be in education or work, would result in sanctions on benefits claimants for those who do not engage. “If people repeatedly refuse to take up the training or work responsibilities, there will be sanctions on their benefits,” Kendall said. Referring to young people specifically, she told Sky News the Government would “transform” opportunities with a “youth guarantee” as part of the reforms, but they would in turn be “required to take them up” – arguing people have a “responsibility” to take up opportunities when offered. Ministers have previously hinted that there would be specific help on offer to vulnerable youths, such as care leavers, who might lack adequate support to access work or training. Kendall, and Chancellor Rachel Reeves, have committed to reducing the welfare bill by £3 billion over five years. The Work and Pensions Secretary said she will bring forward her own proposals for how the savings will be made, and refused to rule out previous government plans to tighten the eligibility around who can be signed off work sick which would have seen around 400,000 people lose their current benefit entitlement. During the previous government the Conservatives planned to tighten welfare eligibility so around 400,000 people who are signed off as long-term sick would be assessed as needing to prepare for work by 2028/29. Kendall sidestepped answering questions on Sunday on whether she would retain those plans as part of her own measures. Latest official forecasts published by the Government show the number of people claiming incapacity benefits is expected to climb from around 2.5 million in 2019 to 4.2 million in 2029. It has been suggested the NHS could employ thousands of economically inactive people but No10 poured cold water on the idea, with a source saying they did not recognise the claim. But the Government will this week announce details of its long-awaited employment reforms to overhaul Jobcentres and merge them with the National Careers Service to focus on offering tailored employment support. The upcoming white paper is also expected to include the placement of work coaches in mental health clinics and will rely on increased use of technology, including AI, to make it easier for Jobcentre staff to provide specific support to people who are not in the labour market. The service will also operate on a more regional level to ensure that local jobs markets and industries are supported through tailored careers training, the Government said. The Government said the UK is the only G7 country that has higher levels of economic inactivity now than before the pandemic. Some 2.8 million people out of work due to long-term sickness, almost one and a half million also unemployed, and nearly a million young people neither in education or work. Kendall said the reasons for the increased number of claims are “complex” and that Britain is “an older and also sicker nation”. She suggested some people have “self-diagnosed” mental health problems, but added there is a “genuine problem” with mental illness in the UK. The Department for Work and Pensions will set out further welfare reforms next year which will look at how the disability benefit system works. The disability equality charity Scope said it supported giving disabled people “the same chances and opportunities to work as everyone else” and praised the notion of personalised employment services. But James Taylor, executive director of strategy, criticised the decision to press ahead with benefit cuts which could penalise disabled people. Read Next Replacing PIP cash benefits with vouchers would be wrong, say public “Over the years we have seen the repeated tightening of sanctions and conditionality ramp up misery, which has done little to improve the number of disabled people in work,” he said. “We’d urge the Secretary of State to take a fresh approach to supporting disabled people into work. By spending time listening to their experiences, and understanding the barriers they face that a focus on overall budgets and sanctions won’t solve.” A report, published on Sunday by the Centre for Social Justice (CSJ), warned almost a quarter of working age adults are reporting a disability or health problem. The CSJ said government plans must include specialist employment support and training opportunities for those with a disability or health problem, alongside policies to improve support for sick and disabled people from employers. Prime Minister Sir Keir Starmer faced criticism for his tough rhetoric around benefit claimants as he promised to crack down on those who defraud the welfare system. Writing in the Mail On Sunday, he promised “sweeping changes” and said he would “get to grips with the bulging benefits bill blighting our society”. But he added he would not “call people shirkers or go down the road of division”, and said instead treat them “with dignity and respect”. His comments were, however, met with disappointment from Labour MP Diane Abbott who said it was “sad that Starmer is peddling the benefit scrounger mythology”. Shadow housing secretary Kevin Hollinrake said he would be supportive of the Government’s proposals “if the plans are right”. “It’s not just about saving money. It’s also about getting people into work. You know, we, most of us, feel our mental health is better when we’re at work. But there are incentives in the system to leave the place of work, to go on cash benefits, and that’s one of the things I’ve been looking for in these changes Labour are going to make,” he said. .NEW YORK (AP) — New York Yankees outfielder Aaron Judge was a unanimous pick to win his second American League Most Valuable Player Award in three seasons on Thursday, easily outdistancing Kansas City shortstop Bobby Witt Jr. Shohei Ohtani was expected to win the National League honor later Thursday, his third MVP and first in the NL.

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Victor Wembanyama plays 1-on-1 chess with fans in New York– The push to extend President Emmerson Mnangagwa’s term to 2030 has intensified within the ruling Zanu PF party, but it is revealing deep divisions and challenges in securing a full party-wide consensus. Several provinces, including Harare, Mashonaland East, and Masvingo, have voiced strong support for a constitutional amendment to keep Mnangagwa in power beyond his current term. However, while some party members rally behind the move, others caution against altering the country’s constitution, raising concerns over legal implications and internal unity. During Zanu PF inter-district meetings held over the weekend, party leaders urged Mnangagwa to remain in office until 2030, to complete his ambitious “Vision 2030” agenda. The president has set out to industrialise and modernise Zimbabwe, a vision that supporters argue requires sustained leadership. In Harare, the call for an extension was reiterated by provincial chairman Godwills Masimirembwa. “As Harare province, we will continue to humbly request that President Mnangagwa accepts the wishes of the people to serve beyond 2028,” Masimirembwa stated. He added that constitutional amendments could pave the way for such an extension, underscoring the party’s belief that Mnangagwa’s leadership is crucial for completing national development goals. Mashonaland East provincial chairman Daniel Garwe also championed the move, noting that the support for an extension was overwhelming at the grassroots level. “The President is a constitutionalist, but we must not confuse the Constitution with the vision. Vision 2030 demands his leadership,” Garwe remarked during an inter-district meeting in Chikomba. Masvingo’s provincial chair, Robson Mavhenyengwa, expressed similar sentiments, reinforcing his province’s backing for Mnangagwa to stay in office until 2030. “We fully support the vision, and our province stands resolutely behind the idea of the President staying in office to achieve this,” Mavhenyengwa declared at the Provincial Coordinating Committee meeting. Despite these vocal endorsements, the move to amend the constitution has not been without opposition within Zanu PF. While the proposal to extend Mnangagwa’s term was passed during the recent Annual National People’s Conference, not all senior party members are on board. Zanu PF Secretary for Legal Affairs Patrick Chinamasa has voiced concerns, stressing that any amendment to the constitution must be executed lawfully and in a manner that maintains party unity. Party insiders reveal that while the push for an extension is strong among some provinces, there are factions within Zanu PF who are wary of the implications of altering the constitution. These factions fear that such a move could disrupt the internal power dynamics, alienate potential successors, and send a negative message about the party’s commitment to democratic principles. The push for constitutional amendments to extend Mnangagwa’s presidency is also raising broader questions about governance, succession planning, and Zimbabwe’s democratic processes. Critics argue that extending the president’s term would undermine constitutional safeguards and set a dangerous precedent for future leaders. They warn that it could create instability and perpetuate a culture of political entrenchment. Supporters of the extension, however, argue that the country’s vision for growth and development requires Mnangagwa’s continued leadership. They maintain that his tenure is essential for achieving Vision 2030, which aims to propel Zimbabwe into an empowered, upper-middle-income economy. Mnangagwa’s tenure extension is also seen as a strategic move to maintain party unity in the face of an increasingly fractured political environment. His leadership has been under scrutiny amid rising public discontent over economic challenges, corruption, and political instability. The push for an extension is viewed by some as a way to ensure continuity in policy and governance. While the resolutions passed at the inter-district meetings provide Mnangagwa with immediate support, the actual process of extending his presidency will require a significant shift in legal and public opinion. Constitutional amendments would need to gain support not only from Zanu PF but also from other political parties and the public. The legal challenges associated with changing the constitution are formidable, and the impact on public sentiment could further complicate the matter. Any attempt to amend the constitution could spark protests, legal battles, and a potential backlash from opposition groups who view it as an undemocratic power grab. As Zanu PF leaders engage with their grassroots structures, the coming months will be critical in determining whether Mnangagwa can overcome internal divisions, navigate legal complexities, and secure his position until 2030. The outcome of this struggle will have significant ramifications for Zimbabwe’s political future and the direction of its governance.

Higher Education Must Champion Democracy, Not Surrender to FascismWinter Games For Specially-Abled Children Held Bhopal (Madhya Pradesh): The Winter Games for special-abled children were held at TT Nagar Stadium on Sunday. Around 1,500 specially-abled children from across the state participated in the event. Children from 32 organisations across the state, including Bhopal, Vidisha, Khargone, Rajgarh, Hoshangabad, Rewa, Jabalpur, Indore, Dewas, Shujalpur, Narsinghgarh and Nagda took part in the event. Rotary Club of Bhopal Midtown has been organising Winter Games annually for specially-abled children since 2001. This year marked the 22nd edition of the event. Guests at the event emphasised that these children are not ‘disabled’ but ‘special,’ possessing unique abilities that often surpass those of others. ‘We don’t see disabilities here; we see exceptional talent and spirit,’ they said. Chief Guest Sonali Vyaghankar, Principal Secretary of the Department of Social Justice, Madhya Pradesh, highlighted Rotary Club’s efforts in promoting inclusivity and providing encouragement to specially-abled children. Events were organised according to Special Olympics guidelines and included running and relay races, wheelchair races, carom, the power of wrist and art competitions. BBRG Holds Cycle Rally To Bhimbetka BBRG Holds Cycle Rally To Bhimbetka | FP Photo Bhopal (Madhya Pradesh): Bhopal Bicycle Riders Group (BBRG) organised a cycle rally from Bhopal to Bhimbetka recently. They rode bicycles for approximately 45 kilometres away, with a purpose of promoting environmental conservation and fitness. The group began their journey at 6 in the morning, pedalling through scenic landscapes and rural surroundings. The two-and-a-half-hour ride culminated at the historic Bhimbetka rock shelters, a UNESCO World Heritage Site. Once there, the cyclists explored ancient caves and rock paintings, sharing live updates, photos and videos on social media to emphasise the importance of preserving such cultural treasures. Vinod Pandey, a group member, told Free Press, ‘I want people to make cycling part of their life. It is not only good for health but also a symbol of responsibility towards the environment.’

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Aided by a Lake County Sheriff Department helicopter, Santa arrived Saturday at Pointe Plaza, from where he headed way downtown to the old courthouse. The jolly fellow’s arrival was part of a weekend that featured the city’s annual Winter Market, along with Small Business Saturday. Shivering on a frigid 19-percent morning for Santa Claus, many people said they plan to spend more on holiday gifting. Popular items include books, clothing, technology, games, and toys. Alli Strabavy of Schererville noted, “I’ve already spent more.” Heather Corsey, a teacher from Crown Point, replied, “I may spend less, but probably more.” Carla Smolek, president of the Crown Point Lions Club, thinks she’ll spend about the same as last year. She cautioned, “I have to buy a little of everything. I have great-grandchildren, along with children who are 62, so I have a wide range.” The Small Business Administration reported spending in 2023 by those who shopped at small businesses on Small Business Saturday was around $17 billion. Among local businesses in the courthouse, Kim Boyd has operated The Little Pink Shop for nearly 12 years. The women’s boutique offers apparel, accessories, and gifts. Boys said the key to her success is “just building relationships with returning customers and new customers. People like that we’re honest and authentic.” The challenge for a small business owner, Boyd noted, is “doing everything. You’re the buyer, janitor, and marketing person.” Across the way is Toys In The Attic, a toy, games, and puzzle store owned by Christine Reddick. She has operated the Crown Point store for nine years and a Valparaiso shop for seven years. Success, Reddick said, is about “customer service and carrying unique products. Plus, we’ve increased our stock.” Based on a Gallup survey taken between Nov. 6 and 20, Americans will spend on average $1,012 on Christmas gifts this season, compared to $975 in 2023. For the most part, people awaiting Santa’s arrival at Pointe Plaza planned to purchase multiple gift cards, with the average in the 10-15 number range. Cards to be purchased ranged in price up to $50, which is near the national average. Julie Wendorf, director of the Crown Point Community Library, plans to purchase 50 cards for her staff. Capital One Shopping reports 71% of U.S. shoppers plan to buy gift cards this season, due in part, experts say, to their convenience. On average, Capital One projects, U.S. consumers will spend more than $200 each on gift cards and certificates this holiday season. For some small merchants, their storefront is the Internet. At the Winter Market, sisters Kelly Goss and Stephanie Cruz are in the initial year for PenPals, “beautiful pens for everybody,” Goss said. The sisters sell pens from Facebook and at vendor shows. So far, Cruz said, “People like our variety. We go out of our way to get what people want.” Also operating online and at pop-up shows is Curved Plus Size Fashion, owned by Ann Rhineberger of St. John. In business for three years, Rhineberger noted, “People have been very receptive. It’s hard to find plus-size clothing.” The big thing, Rhineberger said, is her online presence. “People are warming up to each other and our bodies and helping each other,” she said.President Joe Biden is considering preemptive pardons for several prominent names facing possible retribution from the incoming Trump administration, US media has reported. Among those being considered for the historic pardons are Anthony Fauci, the former White House special advisor on Covid-19, and former Republican lawmaker Liz Cheney, who has become a fierce critic of Donald Trump. The president-elect has made no secret of his desire to exact vengeance against critics and those he claims stole the 2020 election from him. Biden has discussed with advisors the possibility of using his constitutional power to protectively issue preemptive pardons -- even to people yet to be charged with any crime -- before he leaves the White House on January 20. The discussions were reported by Politico and later by the New York Times, CBS News and the Washington Post, all citing anonymous sources close to the talks. Biden sparked controversy on Sunday when, in a reversal, he pardoned his son Hunter, who was due to be sentenced this month in cases involving a gun purchase and tax fraud. Democratic Representative Adam Schiff of California, who served as lead manager during the first Senate impeachment of Trump, and retired general Mark Milley might also be in line for preemptive pardons to shield them from Trump. Milley, who was chairman of the Joint Chiefs of Staff during Trump's first term, later told journalist Bob Woodward that Trump was "a total fascist" and "the most dangerous person to this country." Overseeing such prosecutions would be the man who the president-elect has nominated to head the Federal Bureau of Investigation (FBI), Kash Patel. Patel, who held a high position in the Pentagon during the first Trump term, has said that as FBI chief he would "come after" those "who helped Joe Biden rig presidential elections." "WHEN I WIN," Trump wrote on his Truth Social platform in September, "those people that CHEATED will be prosecuted to the fullest extent of the Law." Presidential pardons, issued at the end of a term, have a long history in the United States. On his last day in the White House in January 2021, Trump pardoned 74 people accused of various crimes and misdemeanors. And in September 1974, a month after Richard Nixon resigned as president during the Watergate scandal, his successor Gerald Ford announced "a full, free and absolute pardon" for any crimes against the United States which Nixon might have committed while in office. But the multiple preemptive pardons reportedly being considered by Biden -- to insulate several people from future prosecutions that might not ever happen -- could constitute a first. rle/bbk/bgsLouis-Jacques scores 17, Colgate defeats Vermont 65-60

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PHILADELPHIA (AP) — Corey McKeithan scored 28 points as La Salle beat Temple 83-75 on Saturday night. McKeithan shot 10 of 19 from the field, including 3 for 6 from 3-point range, and went 5 for 5 from the line for the Explorers (6-2). Demetrius Lilley added 13 points while shooting 5 for 12, including 2 for 4 from beyond the arc while he also had six rebounds. Jahlil White shot 3 of 13 from the field and 5 of 5 from the free-throw line to finish with 11 points, while adding 12 rebounds. Quante Berry led the Owls (4-3) in scoring, finishing with 18 points, 15 rebounds and two blocks. Temple also got 15 points from Jamal Mashburn Jr.. William Settle had 13 points and seven rebounds. La Salle took the lead with 14:45 to go in the first half and did not relinquish it. The score was 42-33 at halftime, with McKeithan racking up 16 points. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

FARGO, N.D. (AP) — Jacari White scored 19 points as North Dakota State beat Western Michigan 98-62 on Sunday. White had five rebounds and five assists for the Bison (10-4). Jacksen Moni added 16 points while shooting 7 for 10, including 2 for 4 from beyond the arc while they also had seven assists. Masen Miller finished 5 of 9 from 3-point range to finish with 15 points. The Bison extended their winning streak to seven games. The Broncos (3-7) were led by Chansey Willis Jr., who recorded 22 points and five assists. Marquese Josephs added 12 points for Western Michigan. Markhi Strickland also put up eight points. North Dakota State took the lead with 19:23 left in the first half and never looked back. The score was 49-28 at halftime, with White racking up 13 points. North Dakota State extended its lead to 73-38 during the second half, fueled by a 9-0 scoring run. Darik Dissette scored a team-high eight points in the second half as their team closed out the win. North Dakota State next plays Monday against CSU Bakersfield at home, and Western Michigan will host Valparaiso on Friday. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Carmelo Anthony was furious after Knicks traded J.R. Smith, Iman Shumpert to play with LeBron JamesAll products and services featured are independently chosen by editors. However, Billboard may receive a commission on orders placed through its retail links, and the retailer may receive certain auditable data for accounting purposes. Cyber Weekend: a time for relaxing and discount shopping. With Black Friday officially behind us and Cyber Monday on the way, the holiday weekend is perfect for scoring last-chance deals on holiday gifts , stocking stuffers and other things that might be on your list, such as Christmas decorations, cookware, bakeware, and winter essentials like cozy sweaters, coats , hats and scarves . See latest videos, charts and news See latest videos, charts and news For music lovers, Cyber Weekend is a chance to save as much as 50% off tech essentials such as headphones, record players, speakers and other electronics to upgrade your sound system for holiday parties, streaming Christmas movies or enjoying your favorite Christmas playlist. Shopping for new shoes? You can save 30% off at Skechers , up to 90% off at Nike and up to 70% off at Adidas . For winter clothes and other fashion essentials, the sales at ASOS , Nordstrom , Bloomingdale’s , Kohl’s and Macy’s offer up to 60% off select items. Electronics reign among the most-shopped-for items during Black Friday and Cyber Monday, but frugal shoppers can find doorbuster deals on everything from clothes and makeup to furniture. Most retailers have extended their Black Friday sales into the weekend, including Urban Outfitters , Ulta B e auty , Dyson , Coach , Carhartt , The North Face , QVC and the big three: Amazon , Target and Walmart . If you’re the type of shopper who loves a bargain, Cyber Weekend is your time to shine. See below for a collection of 20 deals to shop over Cyber Weekend. For more Cyber Week deals, check out the best sales on earbuds , gaming chairs , makeup and skincare products . And for gift options, read our Shop 100 gift guide .

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Carmelo Anthony was furious after Knicks traded J.R. Smith, Iman Shumpert to play with LeBron JamesWhat are Solar superflares? Wamiqa Gabbi radiates grace and charm in ethnic attire How to make Gobhi Paratha for breakfast Princess Diana to Selena Gomez: Most luxurious celebrity engagement rings ever Manasi Parekh shines bright Malavika Mohanan’s London holiday Katrina Kaif showcases her enduring elegance in sarees yet again 10 ways to say no to people who constantly ask for loan and help Bridal Fashion Goals Ft. Sunanda Sharma 8 reasons why the Snake plant is a blessing for the home and garden

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Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" Thanks for your interest in Kalkine Media's content! To continue reading, please log in to your account or create your free account with us.Paddy McGuinness teases Take Me Out return five years after hit ITV series axedAre you sitting on $1,000 and aren't sure what to do with it? Well, you could look at turning it into something more substantial by investing it into a top Australian stock. But which ASX stocks could be good options for a $1,000 investment in December? Two that analysts believe could generate big returns for investors over the next 12 months are listed below. Here's what they are saying about these buy-rated stocks: ( ) The team at Bell Potter believes that this counterdrone company could be a great option for your money right now. Especially given recent share price weakness which has dragged the Australian stock down materially from its highs. It feels this has created an attractive entry point for investors in a company expected to grow strongly in 2025. The broker said: Whilst DroneShield's revenue YTD has been disappointing, we view this as an opportunity to reset market expectations, which were overly optimistic for CY24. However, DRO remains a high-quality technology company, operating in a rapidly growing market and is well capitalised to maintain its market leading position. We believe the current SP provides an attractive entry point considering DRO's strong runway into CY25 ($18m contracted rev.), robust market demand and appealing long-term growth outlook. The broker has a buy rating and $1.20 price target on this its shares. This implies a potential upside of 54% for investors. ( ) Another Australian stock that has been dragged notably lower from its highs is mining and mining services company Mineral Resources. Bell Potter also believes that this has created a compelling buying opportunity for investors. It commented: MIN continues to make good progress on its critical tasks of commissioning the Onslow Iron Project and deleveraging its balance sheet. We forecast that Onslow will become a foundational earnings driver for MIN from FY26. 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Columbus Blue Jackets (10-9-3, in the Metropolitan Division) vs. Chicago Blackhawks (8-13-2, in the Central Division) Chicago; Sunday, 3 p.m. EST BOTTOM LINE: The Chicago Blackhawks host the Columbus Blue Jackets after Ryan Donato's two-goal game against the Minnesota Wild in the Blackhawks' 3-2 loss. Chicago has an 8-13-2 record overall and a 4-5-0 record on its home ice. The Blackhawks have a -11 scoring differential, with 57 total goals scored and 68 conceded. Columbus has gone 2-6-2 on the road and 10-9-3 overall. The Blue Jackets have a 1-2-3 record in games decided by a goal. Sunday's game is the first meeting between these teams this season. TOP PERFORMERS: Connor Bedard has scored four goals with 13 assists for the Blackhawks. Tyler Bertuzzi has one goal and five assists over the past 10 games. Kirill Marchenko has nine goals and 14 assists for the Blue Jackets. Zachary Werenski has scored five goals and added 10 assists over the last 10 games. LAST 10 GAMES: Blackhawks: 3-6-1, averaging 2.1 goals, 3.1 assists, 2.7 penalties and 5.4 penalty minutes while giving up 2.2 goals per game. Blue Jackets: 5-4-1, averaging 3.7 goals, 6.1 assists, 4.3 penalties and 10.7 penalty minutes while giving up 3.5 goals per game. INJURIES: Blackhawks: None listed. Blue Jackets: None listed. ___ The Associated Press created this story using technology provided by Data Skrive and data from Sportradar . The Associated Press

If you’re sitting on a pile of travel or credit card rewards with no immediate travel plans, donating them to a charity is an easy way to have a positive impact. And it's a popular way to give: In 2021, Alaska Airlines Mileage Plan members donated around 94 million miles to charities at an approximate cash value of $2.6 million, according to the airline. Beyond the social benefits, miles donations also qualify as activity on your loyalty account and can prevent the rest of your rewards from expiring . Javascript is required for you to be able to read premium content. Please enable it in your browser settings.

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Washington Commanders wide receiver Noah Brown could miss the rest of the season with an internal injury, coach Dan Quinn confirmed Wednesday. Initial reports said Brown had sustained a rib injury in Washington's 42-19 win against the Tennessee Titans on Dec. 1. Quinn updated Brown's status as the Commanders (8-5) return from their bye week and prepare to visit the New Orleans Saints (5-8) on Sunday. "He's going to be out for a while," Quinn said. "He had a significant internal injury from the game, so that's going to knock him out for a while." Brown, 28, did not practice on Wednesday because of a kidney injury, according to the team's injury report. He caught three passes for 27 yards against the Titans before leaving late in the third quarter. "During the game, between him and the medical staff, they did a really good job to address what was a serious injury," Quinn said. "Fortunately, he's going to be OK. But it's going to knock him out for a bit." Quinn said it's not certain Brown will miss the rest of the season "but it's likely heading that way." The Commanders claimed veteran wide receiver K.J. Osborn off waivers from New England on Wednesday afternoon. The Patriots released Osborn on Tuesday. Osborn, 27, played in seven games (four starts) and had seven receptions on 18 targets for 57 yards and one touchdown. He participated in 53 percent (232) of the offensive snaps. He has not played since the Patriots' 19-3 victory at Chicago on Nov. 10. The Patriots signed Osborn as a free agent in March after he spent four seasons with the Minnesota Vikings, who selected him in the fifth round of the 2020 NFL Draft. Osborn has 165 career receptions for 1,902 yards and 16 TDs in 66 regular-season games (34 starts). Brown ranks third on the team in receptions (35) and receiving yards (453) and has one touchdown in 11 games (nine starts). His touchdown catch was on a 52-yard Hail Mary pass that gave Washington an 18-15 win over the Chicago Bears in Week 8. A seventh-round draft pick by Dallas in 2017, Brown has 150 catches for 2,000 yards and six TDs in 87 games (34 starts) with the Cowboys (2017-18, 2020-22), Houston Texans (2023) and Commanders. --Field Level MediaAbout Last Night: Dach's late double-minor sinks Habs in loss to Rangers

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Ex-PM's Guwahati Years: Rs 700 Rent, Modest Apartment, And A Grand Vision Of Dr Manmohan Singh - VIDEOToronto Maple Leafs (13-7-2, in the Atlantic Division) vs. Tampa Bay Lightning (12-8-2, in the Atlantic Division) Tampa, Florida; Saturday, 7 p.m. EST BETMGM SPORTSBOOK LINE: Maple Leafs -122, Lightning +101; over/under is 6.5 BOTTOM LINE: The Toronto Maple Leafs visit the Tampa Bay Lightning after the Lightning knocked off the Nashville Predators 3-2 in overtime. Tampa Bay has gone 12-8-2 overall with a 0-2-0 record in Atlantic Division games. The Lightning have a +16 scoring differential, with 83 total goals scored and 67 given up. Toronto has gone 13-7-2 overall with a 4-3-1 record in Atlantic Division games. The Maple Leafs are 5-3-0 in games they serve fewer penalty minutes than their opponents. The teams match up Saturday for the second time this season. The Maple Leafs won the last matchup 5-2. TOP PERFORMERS: Brayden Point has 16 goals and five assists for the Lightning. Anthony Cirelli has eight goals and three assists over the past 10 games. William Nylander has 14 goals and 10 assists for the Maple Leafs. Mitchell Marner has seven goals and nine assists over the last 10 games. LAST 10 GAMES: Lightning: 5-3-2, averaging 3.7 goals, 5.9 assists, 2.7 penalties and 5.9 penalty minutes while giving up 2.7 goals per game. Maple Leafs: 7-2-1, averaging 2.7 goals, 3.9 assists, 3.6 penalties and 7.7 penalty minutes while giving up 1.9 goals per game. INJURIES: Lightning: None listed. Maple Leafs: None listed. ___ The Associated Press created this story using technology provided by Data Skrive and data from Sportradar . The Associated PressIs Broadcom Stock a Buy Now? - The Motley Fool

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Supreme Court will take up a challenge related to California's tough vehicle emissions standards WASHINGTON (AP) — The Supreme Court says it will take up a business-backed appeal that could make it easier to challenge federal regulations, acting in a dispute related to California’s nation-leading standards for vehicle emissions. The justices agreed Friday to hear an appeal filed by fuel producers who object to a waiver granted to California in 2022 by the Environmental Protection Agency during Joe Biden’s presidency. The waiver allows California to set more stringent emissions limits than the national standard. The case won’t be argued until the spring, when the Trump administration is certain to take a more industry-friendly approach to the issue. Musk says US is demanding he pay penalty over disclosures of his Twitter stock purchases DETROIT (AP) — Elon Musk says the Securities and Exchange Commission wants him to pay a penalty or face charges involving what he disclosed — or failed to disclose — about his purchases of Twitter stock before he bought the social media platform in 2022. In a letter, Musk’s lawyer Alex Spiro tells the outgoing SEC chairman, Gary Gensler, that the commission’s demand for a monetary payment is a “misguided scheme” that won’t intimidate Musk. The letter also alleges that the commission reopened an investigation this week into Neuralink, Musk’s computer-to-human brain interface company. The SEC has not released the letter. Nor would it comment on it or confirm whether it has issued such a demand to Musk. Senate begins final push to expand Social Security benefits for millions of people WASHINGTON (AP) — The Senate is pushing toward a vote on legislation that would provide full Social Security benefits to millions of people. Senate Majority Leader Chuck Schumer began the process on Thursday for a final vote on the bill, known as the Social Security Fairness Act. It would eliminate policies that currently limit Social Security payouts for roughly 2.8 million people. The legislation has passed the House. The bill would add more strain on the Social Security Trust funds, which are already estimated to be unable to pay out full benefits beginning in 2035. The measure would add an estimated $195 billion to federal deficits over 10 years, according to the Congressional Budget Office. Trump offers support for dockworkers union by saying ports shouldn't install more automated systems WASHINGTON (AP) — President-elect Donald Trump is offering his support for the dockworkers union before their contract expires next month at Eastern and Gulf Coast ports. He posted on social media Thursday that he met with union leaders and that any further “automation” of the ports would harm workers. He wrote that the “amount of money saved is nowhere near the distress, hurt, and harm it causes for American Workers.” The International Longshoremen’s Association has until Jan. 15 to negotiate a new contract with the U.S. Maritime Alliance, which represents ports and shipping companies. The Maritime Alliance says the technology will improve worker safety and strengthen our supply chains, among other things. IRS recovers $4.7 billion in back taxes and braces for cuts with Trump and GOP in power WASHINGTON (AP) — IRS leadership on Thursday announced that the agency has recovered $4.7 billion in back taxes and proceeds from a variety of crimes. The announcement comes under the backdrop of a promised reckoning from Republicans who will hold a majority over both chambers of the next Congress and have long called for rescinding the tens of billions of dollars in funding provided to the agency by Democrats. IRS Commissioner Danny Werfel said improvements made to the agency will help the incoming administration and new Republican majority congress achieve its goals of administering an extension of the 2017 Tax Cuts and Jobs Act. OpenAI's legal battle with Elon Musk reveals internal turmoil over avoiding AI 'dictatorship' A 7-year-old rivalry between tech leaders Elon Musk and Sam Altman over who should run OpenAI and best avoid an artificial intelligence ‘dictatorship’ is now heading to a federal judge as Musk seeks to halt the ChatGPT maker’s ongoing conversion into a for-profit company. Musk, an early OpenAI investor and board member, sued the artificial intelligence company earlier this year. Musk has since escalated the dispute, adding new claims and asking for a court order that would stop OpenAI’s plans to convert itself into a for-profit business more fully. OpenAI is filing its response Friday. OpenAI's Altman will donate $1 million to Trump's inaugural fund LOS ANGELES (AP) — OpenAI CEO Sam Altman is planning to make a $1 million personal donation to President-Elect Donald Trump’s inauguration fund, joining a number of tech companies and executives who are working to improve their relationships the incoming administration. A spokesperson for OpenAI confirmed the move on Friday. The announcement comes one day after Meta, the parent company of Facebook and Instagram, said it donated $1 million to the same fund. Amazon also said it plans to donate $1 million. China signals it's prepared to double down on support for the economy as Trump tariffs loom BANGKOK (AP) — Chinese leaders met this week to plot economic policy for the coming year and sketched out plans to raise government spending and relax Beijing's monetary policy. Analysts said the broad-brush plans from the annual Central Economic Work Conference were more of a recap of current policy than ambitious new initiatives at a time when the outlook is clouded by the President-elect Donald Trump's threats to sharply raise tariffs once he takes office. The ruling Communist Party did commit to raising China's deficit and to doing more to encourage consumer spending by bringing wage increases in line with the pace of economic growth. Here's a look at China's main priorities and their potential implications. Stock market today: Wall Street ends mixed after a bumpy week Stock indexes closed mixed on Wall Street at the end of a rare bumpy week. The S&P 500 ended little changed Friday. The benchmark index reached its latest in a string of records a week ago. It lost ground for the week following three weeks of gains. The Dow Jones Industrial Average slipped 0.2%. The Nasdaq composite edged up 0.1%. Broadcom surged after the semiconductor company beat Wall Street’s profit targets and gave a glowing forecast, highlighting its artificial intelligence products. RH, formerly known as Restoration Hardware, surged after raising its revenue forecast. Treasury yields rose in the bond market. Next Week: Retail sales, Fed policy update, existing home sales The Commerce Department releases its monthly snapshot of U.S. retail sales Tuesday. Federal Reserve officials wrap up a two-day meeting and issue an interest rate policy update Wednesday. The National Association of Realtors issues its latest update on U.S. home sales Thursday.

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Juggling fresh ideas, crafting video strategies, and staying consistent – being a YouTuber involves more than just hitting the record button. ChatGPT can simplify the process by generating ideas and automating key tasks to help you create content on YouTube. The content on YouTube is so saturated that you can find dozens of videos on the same topic with little to no variation. You need to have fresh, unique videos to gain user attention; otherwise, your content will be lost amongst similar content. However, coming up with new, unique videos regularly can be very difficult. ChatGPT can make this process easier by recommending unique ideas for your next video based on your channel’s focus. You just need to tell it the focus of your channel and ask for new out-of-the-box video ideas. An example prompt could be: “I run a food YouTube channel focusing on quick and budget-friendly meals for busy people. Suggest 10 unique video ideas that are engaging and useful for my audience.” Furthermore, it can also help with a video series related to your channel. You can ask it to suggest topics that would allow for multiple videos to be created, then suggest video ideas. A well-structured narrative, dialogue, and key points ensure that you keep users hooked and add value to every second of the video. While necessary, writing a video script can be time-consuming and require a significant amount of brainstorming. ChatGPT can create a full video script based on your demands. You can provide details like video duration, content that must be covered, speaking style, etc. Of course, you’ll have to further edit the video to suit your style and goals, but having a well-structured draft in hand will greatly decrease your work. Here’s an example prompt: “I run a tech review YouTube channel. I’m reviewing the iPhone 15 and want a detailed script with a mix of humor and facts. The intro should grab attention, and the script should have a ‘pros and cons’ section, ending with a recommendation. Please add timestamps for a 10-minute video.” In the prompt, you can also add details or data that ChatGPT may not know from its own database, like personal survey results. It will be incorporated into the script in the appropriate sections. The video title is one of the most important aspects of a video. Not only does it need to be optimized for the YouTube algorithm, but it should also have a catchy title so that users can click on it. ChatGPT can create dozens of YouTube-optimized titles for your videos – you may find the perfect one. If you already have the video idea and script in hand, give it to ChatGPT and ask it to provide unique titles. If not, provide a small description of what you are covering in the video and anything that stands out. For example: “I’m reviewing the iPhone 15. Generate 10 catchy and optimized YouTube titles. Make them click-worthy, but not clickbait, and focus on key features, like camera upgrades, performance, and design.” This prompt will generate titles that will grab the attention of users by utilizing important feature upgrades in the iPhone. The video description space under videos is extremely versatile and can be used for many things. Apart from summarizing video content, you can add keywords, recommend videos, provide context, or add a call to action. ChatGPT can help you make full use of this space for both SEO and user engagement. If you have the video script, provide it to ChatGPT and ask it to create an engaging summary of it for a YouTube video description. You can also just provide the video title along with anything special you have covered to get a rough draft that can be edited later. More importantly, you can ask it to include relevant keywords for SEO, your social media or website links, a CTA to subscribe, other similar videos and playlists, and anything that can improve SEO or user experience. For example: “I’m posting a 20-minute at-home workout video on YouTube. Write a description optimized for keywords like ‘full-body home workout,’ ‘no equipment workout,’ and ‘quick fitness routine.’ Use motivational language and add a CTA.” Although not as impactful, tags are still useful for SEO, especially if you just created your YouTube channel . With ChatGPT, you can generate dozens of tags based on your video title and content. In most cases, a quick description of the video is enough, as ChatGPT will generate tags based on common searches on the topic. However, you can also provide the video script for even better results. For example: “I’m uploading a video on YouTube reviewing the iPhone 15 Pro. Generate 15 YouTube tags that cover topics like iPhone 15 Pro camera, battery, design, and performance. Include a mix of long-tail and short-tail tags.” You may also be interested in using ChatGPT to include tags with commonly misspelled words or words with multiple spellings, to increase visibility, like “travelling” and “traveling.” You’ll have to mention this separately in your prompt. A dedicated video promotion strategy is a must for the success of your channel. However, you can’t just copy any marketing strategy you see and expect to succeed. What has worked for others, may not work for your specific content. For example, Instagram works great for travel vlogs and food videos, but not for software tutorials. ChatGPT can create a custom marketing strategy for your channel’s content and tell you which channels will be most effective. You just need to tell it the focus of your channel content, how you cover each video, your budget, etc. You can also ask it for a promotion strategy for individual videos if you cover a special video. For instance: “My YouTube channel reviews the latest smartphones. I upload unboxing videos and camera tests. Suggest custom video promotion strategies to grow my audience organically.” If you like its recommendations, you can further ask how to execute each strategy. For example, it can tell you that you can use comparison photos of smartphone cameras to promote on Reddit. Engagement metrics, like comments, play a crucial role in boosting video rankings in search results and suggested feeds. Comments not only signal audience interest, but foster a sense of community around your content. Using ChatGPT, you can enhance interaction on your videos – helping improve rankings, build stronger connections with viewers, and grow subscribers. Viewers value thoughtful, direct responses from creators, and detailed replies can significantly enhance the viewing experience. ChatGPT enables you to craft personalized, context-aware replies quickly, allowing you to engage with your audience more consistently. This active engagement encourages further interaction, prompting viewers to comment more frequently and boosting overall video performance. Furthermore, ChatGPT can create strategies to utilize the pinned comment function to engage viewers. Depending on the video content, it can encourage readers to share thoughts, answer questions, create CTAs, or complete a task. For example: “Guess how long it took me to film this video? The closest guess gets a shoutout in the next one!” ChatGPT can significantly improve your video creation process, boosting creativity and enhancing efficiency for your channel’s success. You can also use hacks to enhance ChatGPT results so that you may get better results over time. Image credit: Vecteezy . All screenshots by Karrar Haider. Our latest tutorials delivered straight to your inbox Karrar is drenched in technology and always fiddles with new tech opportunities. He has a bad habit of calling technology “Killer”, and doesn't feel bad about spending too much time in front of the PC. If he is not writing about technology, you will find him spending quality time with his little family.5. **Procrastination**

Title: Going Beyond Beauty: The Importance of Prioritizing the "Medical" in Medical AestheticsThe rapid proliferation of investment apps and online trading platforms has also played a role in exacerbating the volatility of Chinese stocks. Retail investors, emboldened by the ease of access to trading platforms and the lure of quick profits, have fueled speculative trading in Chinese stocks, amplifying market swings and making the stocks more susceptible to sudden drops.

The repeated offside calls against Mbappé raised questions about whether the training methods employed by Real Madrid were effective in preparing the team for the specific challenges posed by Barcelona's defensive tactics. While it is important for teams to adapt their strategies and tactics to exploit their opponent's weaknesses, it is equally crucial for players to execute these plans effectively on the pitch.With the rapid advancement of AI technologies, the MarsCode AI Programming Challenge provides a platform for participants to explore the full potential of AI in programming. From machine learning algorithms to natural language processing techniques, participants will have access to a wide range of resources and support to develop their AI solutions.

Trump threat to immigrant health care tempered by economic hopes

When it comes to determining the price of a quality down jacket, it is important to keep in mind that you are paying for the materials, construction, and design of the garment. A well-made down jacket from a reputable brand will often come with a higher price tag, but the investment is likely to pay off in terms of longevity and performance.The top stories and transfer rumours from Sunday's newspapers... MAIL ON SUNDAY Ange Postecoglou maintains the backing of Tottenham's board but the League Cup semi-final against Liverpool is emerging as key to the Australian's prospects. Federico Chiesa is reportedly looking for a way out of Liverpool in January, just five months after his arrival from Juventus. Please use Chrome browser for a more accessible video player Jurgen Klopp has been offered the chance to get acquainted with Red Bull's Formula 1 team as he prepares to take up his new role at the Austrian company. Trending Real Madrid are growing increasingly convinced they can win the race to capture the prized signature of Trent Alexander-Arnold and hope he will join them on a free transfer next summer. Please use Chrome browser for a more accessible video player Santi Cazorla revealed that he would consider a return to Arsenal, as the 40-year-old nears the end of his contract in Spain. Also See: Transfer Centre LIVE! Stream Sky Sports with NOW Download the Sky Sports app Get Sky Sports on WhatsApp Liverpool coach John Heitinga has emerged as a frontrunner for the vacant manager's job at West Bromwich Albion. Ligue 1's social media team have hit back at Cristiano Ronaldo in a post to the league's official account following his controversial recent comments. Cesc Fabregas has given Dele a boost as the former England star begins his trial period at Como FC in his bid to resurrect his career. THE SUN ON SUNDAY Manchester United are set to lose out on £10m in expected income if they continue on their current trajectory. SUNDAY TELEGRAPH Tamworth FC have been criticised for a huge hike in ticket prices for the non-League club's FA Cup third-round tie against Tottenham Hotspur. Stuart Lancaster has hit out at former England international Andy Goode for suggesting he is in danger of losing his job at Racing 92. SUNDAY EXPRESS Manchester United are very likely to extend Harry Maguire's contract by 12 months after the former captain successfully earned Ruben Amorim's trust, according to reports. SUNDAY MIRROR Pep Guardiola has a five-player wishlist to improve his Manchester City side as the January transfer window approaches. Please use Chrome browser for a more accessible video player Brighton goalkeeper Bart Verbruggen has emerged as a transfer target for Manchester United, with current No1 Andre Onana under increasing pressure. THE OBSERVER Barcelona have reportedly closed a last-minute €100m (£82.9m) deal to sell VIP boxes at the newly renovated Camp Nou to Middle Eastern investors. The club are hopeful the sale will allow them to meet financial fair play rules and finally extend Dani Olmo's registration. A Brazilian judge has ordered the release from prison of four players from River Plate's women's football team, all of whom were arrested over an alleged racial slur during a match against Gremio. THE SUNDAY TIMES Alisson has challenged his Liverpool team-mates to put their names alongside the legends of the past and write a new page in the club's rich history. SUNDAY MAIL The Romanian media are ramping up the hype around Steaua Bucharest midfielder Darius Olaru - with close ally and former manager Cristi Pustai talking up a potential move to Rangers. Zander Clark could cross the capital divide with the current Hearts No 2 on Hibs' list of targets, according to a report. Hearts are reportedly in the market for Elton Kabangu from Union Saint-Gilloise. Tom from Southampton became a millionaire for free with Super 6! Could you be the next jackpot winner? Play for free!

Verizon Communications Inc. has provided an update on the cyber incident known as Salt Typhoon, confirming that the situation has been contained. The company took swift action to address the breach and prevent further damage. An independent cybersecurity firm with a strong reputation in the industry has verified Verizon's claims of containment. This third-party endorsement adds credibility to Verizon's efforts and reassures stakeholders of the effectiveness of the response strategies. The containment of Salt Typhoon is a significant accomplishment for Verizon as it navigates the evolving landscape of cyber threats, demonstrating the company's commitment to maintaining robust cybersecurity measures. (With inputs from agencies.)

As we approach the match day, I remind my players that while it is important to savor the moment and enjoy the experience, we must also remain focused and determined. We cannot afford to be complacent or lose sight of our goal. Every pass, every tackle, and every goal matters, and we must give our best effort from the first whistle to the last.In conclusion, the unveiling of Rockstar Games' new recruitment advertisement has set the stage for what could be an epic promotional campaign leading up to the release of "GTA 6." With the gaming world eagerly watching, all eyes are on Rockstar Games as they prepare to redefine the open-world genre once again with their upcoming blockbuster title. Stay tuned for more updates as the excitement continues to build towards the highly anticipated launch of "GTA 6."

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Broncos can wipe away back-to-back heartbreakers and make playoffs by beating Kansas City ENGLEWOOD, Colo. (AP) — Losses to the Chargers and Bengals with a playoff berth on the line show Sean Payton made a miscalculation when he agreed to flex the Denver Broncos' Week 16 game to a Thursday night. Arnie Stapleton, The Associated Press Dec 29, 2024 11:08 AM Dec 29, 2024 11:35 AM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Denver Broncos head coach Sean Payton walks off the field following an NFL football game against the Cincinnati Bengals in Cincinnati, Saturday, Dec. 28, 2024. (AP Photo/Carolyn Kaster) ENGLEWOOD, Colo. (AP) — Losses to the Chargers and Bengals with a playoff berth on the line show Sean Payton made a miscalculation when he agreed to flex the Denver Broncos' Week 16 game to a Thursday night. The NFL needed the Broncos' approval to replace the Cincinnati-Cleveland game with the Broncos-Chargers game because Denver had already played on a Thursday night on the road. He eagerly agreed to the switch, figuring the team's fanbase always travels well to SoFi Stadium in Los Angeles and the Broncos would be the more rested team at Cincinnati. But after an emotional comeback win over the Colts, the Broncos (9-7) lost to the Chargers in part because Payton got away from the run even though it helped them score touchdowns on their first three drives — and he had written “Run It!!” in marker on top of his play sheet. And they lost to the Bengals 30-24 in overtime on Saturday after Payton decided against going for 2 and the win when Marvin Mims Jr. hauled in a highlight-reel touchdown grab between two defenders with 8 seconds left in regulation. “We knew a tie for us was just as beneficial as a win,” Payton explained. “We felt like we had the momentum at that point.” Holding up two fingers, rookie QB Bo Nix lobbied for the 2-point try to no avail. “We discussed it all. We had plenty of time, plenty of time, plenty of time,” Payton said. "And the decision we made was the right one.” Well ... An extra point assured Joe Burrow would get the ball back, and the Broncos hadn't forced a single punt all game, something Payton acknowledged afterward that he wasn't aware of, and they hadn't stopped the Bengals since twice holding them on fourth down in the first half. They finally forced a punt in overtime, but the Broncos went three-and-out, something they did again after Bengals kicker Cade York doinked a 33-yard field-goal attempt off the left upright on Cincinnati's second possession. With the Bengals out of timeouts, all the Broncos needed was a first down and they'd be playoff-bound for the first time since 2015, but Bo Nix misfired to tight end Adam Trautman on third-and-long, so the Broncos punted and Burrow led the Bengals (8-8) on their game-winning touchdown drive. “I thought we could move the ball in overtime,” Nix said, “but we didn't.” The Broncos could render all of it moot with a win in Week 18 against Kansas City with the Chiefs (15-1) expected to rely heavily on backups as they rest up for the playoffs as the AFC's top seed. But Denver's defense has been dismal since November, giving up the most yards in the league, and another letdown against the Chiefs would give the Broncos their biggest collapse in two decades. “This is what we do it for — meaningful games here,” Payton said. "I think it’s important that you embrace it, and it is exciting. There’s nothing worse than playing games in the last part of the season where there’s nothing at stake. So I think it’s something we’ll all be excited about.” What’s working Denver's pass rush. The Broncos sacked Burrow seven times, giving them a league-high 58 for the season. Zach Allen had a career-best 3 1/2 of them and Dondrea Tillman's sack gives the Broncos six players without at least five sacks this season. What needs help Riley Moss led the Broncos with 14 tackles but he had a tough return to action after missing a month with a sprained MCL. Burrow targeted him over and over, including on the game-winning touchdown throw to Tee Higgins, who caught three TD passes. “Riley could have been healthy for the last eight weeks. Whoever’s opposite Pat, they’re going to go that direction, right?" Payton said. (Higgins) is a good player. A real good player. It wasn’t anything that we didn’t expect. In other words, that happens when you’re teammates with Pat.” Stock up WR Marvin Mims Jr. had a breakout performance with eight catches for 103 yards and two fourth-quarter touchdowns, a 51-yarder and the 25-yard catch on fourth down in the closing seconds while sandwiched between two veteran defenders. Stock down Denver's defense. Even with Moss back, which allowed DC Vance Joseph to go back to relying more on man coverage, the Broncos defense continued to struggle since the calendar turned to December. Injuries The Broncos came out healthy although superstar CB Patrick Surtain II was limping on the game's final snaps. Key number 5 — Number of NFL rookie QBs to throw for at least 3,000 yards and 25 touchdowns with Nix joining Justin Herbert, Baker Mayfield, Russell Wilson and Peyton Manning. What’s next It's all or nothing next week when a win over the Chiefs would send Denver to the playoffs. ___ AP NFL: https://apnews.com/hub/NFL Arnie Stapleton, The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Get your daily Victoria news briefing Email Sign Up More Football (NFL) Brock Purdy's production takes a big drop for the 49ers in a trying season Dec 29, 2024 9:59 AM NFL Inactive Report Dec 29, 2024 8:45 AM Cardinals' Trey McBride reaches milestones, but deflection off helmet leads to loss Dec 28, 2024 10:23 PMFalcons feeling the pressure at .500 as Cousins' interceptions put spotlight on downturn for offenseDiscussing the Benefits of Professional Pressure Washing With Simple Softwashjili 80

Adrian Butler Elected to PRA Group Board of Directors

Share Tweet Share Share Email Alternative finance is reshaping how businesses, individuals, and startups raise capital. Traditional funding methods, such as bank loans or venture capital, no longer hold the same dominance they once did. Instead, non-traditional funding mechanisms are gaining momentum, offering more flexible, accessible, and diverse options. What is Alternative Finance? Alternative finance refers to any funding method that falls outside traditional banking and financial institutions. It encompasses a wide range of non-traditional financial services, from crowdfunding and peer-to-peer lending to invoice financing and cryptocurrency-based investments. These methods are typically facilitated by online platforms or networks, leveraging technology to connect lenders and borrowers, investors and entrepreneurs, more directly and efficiently. The Factors Behind the Rise of Alternative Finance Several factors have contributed to the rise of alternative finance. Understanding these factors provides insight into why businesses and individuals are increasingly turning to non-traditional funding mechanisms. Digitalization and Technology The internet and digital platforms have made it easier for individuals and businesses to access financing. Technological advancements, particularly in fintech, have streamlined processes and made financial transactions faster, cheaper, and more transparent. This has allowed platforms like Kickstarter, LendingClub, and others to flourish. Technology also enables the use of data analytics, enhancing credit risk assessments and providing more tailored financing solutions. Limited Access to Traditional Financing For many businesses, particularly startups and small enterprises, traditional funding routes have become increasingly difficult to navigate. Banks have tightened their lending criteria, and venture capital is often out of reach for those without established reputations or substantial assets . Alternative finance has emerged as a solution to this problem, offering more inclusive and accessible options for funding. Changing Consumer Preferences Consumers are becoming more inclined to explore non-traditional funding options. This shift is driven by the desire for greater flexibility, lower interest rates, and faster access to capital. Furthermore, millennials and Gen Z are particularly receptive to alternative finance platforms, attracted by their digital-first nature and the opportunity to support causes or businesses they believe in. Lower Regulatory Barriers While traditional financial institutions are heavily regulated, many alternative finance mechanisms operate with less stringent oversight. This regulatory flexibility enables quicker decision-making and lower costs, benefitting both lenders and borrowers. However, it is essential to note that this relatively relaxed regulatory environment also poses certain risks that must be managed appropriately. Popular Types of Alternative Finance Alternative finance encompasses a variety of models. These models offer different approaches to funding and can cater to a wide range of financial needs. Crowdfunding Crowdfunding allows individuals to pool their resources to fund a business idea, product, or project. Platforms such as Kickstarter, Indiegogo, and GoFundMe have become well-known for helping entrepreneurs raise funds through contributions from a large number of people. Crowdfunding can be donation-based, rewards-based, or equity-based. In donation-based crowdfunding, backers donate without expecting any financial return. Rewards-based crowdfunding provides supporters with tangible rewards or recognition. Equity crowdfunding allows contributors to invest in a company in exchange for shares. Peer-to-Peer Lending (P2P) Peer-to-peer lending, also known as P2P lending, involves individuals lending money to other individuals or businesses via online platforms like LendingClub, Prosper, and Funding Circle. P2P platforms bypass traditional financial institutions, reducing the costs associated with borrowing and lending. This form of lending also opens up opportunities for individuals with lower credit scores or limited access to capital to secure funding. Invoice Financing Invoice financing allows businesses to borrow against the value of their outstanding invoices. This provides immediate cash flow, without waiting for clients to settle their bills. Invoice financing is particularly useful for businesses that experience long payment cycles. Platforms such as Fundbox and MarketInvoice offer businesses access to cash by using invoices as collateral. Equity Investment and Venture Capital Equity crowdfunding has gained significant traction in recent years. It enables businesses, particularly startups, to raise capital by offering shares of their company to a large number of investors. In contrast to traditional venture capital, where investors take an active role in business decisions , equity crowdfunding allows businesses to raise funds without giving up too much control. Cryptocurrencies and Blockchain Cryptocurrency investments, facilitated by blockchain technology, have become an emerging form of alternative finance. Bitcoin, Ethereum, and other cryptocurrencies have attracted significant investment, driven by their potential for high returns and the decentralization of financial systems. Blockchain technology also allows for faster and more secure transactions, making it a promising area for alternative finance. Benefits of Alternative Finance The rise of alternative finance offers numerous benefits for borrowers, lenders, and investors alike. These benefits make non-traditional funding mechanisms an attractive option. Increased Access to Capital One of the most significant advantages of alternative finance is its ability to provide businesses and individuals with easier access to capital. Traditional banks often impose strict criteria for lending, which can be difficult for startups, small businesses, or individuals with low credit scores to meet. Alternative finance platforms offer more lenient conditions, increasing the pool of eligible borrowers. Flexibility and Speed Non-traditional funding mechanisms typically offer more flexibility and speed compared to traditional financial institutions. Borrowers can often receive funding in a matter of days, rather than weeks or months. Additionally, many alternative finance platforms provide customized loan terms or investment structures that better suit the needs of borrowers and investors. Lower Interest Rates Since alternative finance platforms generally have lower overhead costs than banks, they can offer more competitive interest rates. This makes borrowing cheaper for individuals and businesses that may not have access to traditional financing. Peer-to-peer lending, in particular, often provides lower rates due to the direct nature of transactions. Diversification for Investors For investors, alternative finance offers the opportunity to diversify their portfolios by exploring non-traditional investment avenues. Crowdfunding, P2P lending, and equity investments all present opportunities for individuals to participate in a broader range of projects or startups. This can enhance an investor’s potential for higher returns while mitigating risks through diversification. Challenges of Alternative Finance Despite its numerous advantages, alternative finance does have some challenges and risks. These issues must be carefully considered by both borrowers and investors. Regulatory and Legal Risks Since alternative finance operates in a less-regulated environment compared to traditional financial markets, both lenders and borrowers face higher legal and regulatory risks. Inadequate regulation can lead to fraud, misinformation, or unfair lending practices. There is also a lack of consistent legal frameworks across different regions, which can create uncertainty for participants. Credit Risk For lenders, alternative finance carries the risk of borrower defaults. While P2P lending platforms use algorithms to assess creditworthiness, these models are not foolproof. Furthermore, borrowers on alternative finance platforms may not have a proven track record or sufficient collateral, increasing the risk of non-repayment. Limited Investor Protection Unlike traditional financial markets, alternative finance platforms may offer limited investor protection. Investors in crowdfunding or P2P lending may have little recourse if the business fails or defaults. Although some platforms offer insurance or guarantees, these protections can be minimal and vary significantly from one platform to another. Market Volatility Alternative finance markets, especially those involving cryptocurrencies, can experience significant volatility. For instance, the value of digital currencies can fluctuate dramatically, leading to substantial risks for investors. Similarly, crowdfunding projects and startups may not always achieve their funding goals or experience market setbacks, resulting in financial loss. The Future of Alternative Finance The future of alternative finance appears bright, with continued growth expected across all sectors. As technology continues to advance, more efficient and secure platforms are likely to emerge, addressing current concerns and expanding the reach of non-traditional funding mechanisms. Regulatory bodies are also gradually implementing measures to ensure greater transparency and protect participants from fraud and market manipulation. The growing interest in environmental, social, and governance (ESG) investing will likely play a significant role in the evolution of alternative finance. Many alternative finance platforms already support businesses with sustainable or socially impactful goals, and this trend is expected to accelerate. Conclusion Alternative finance is rapidly transforming the global financial ecosystem, providing new opportunities for borrowers, lenders, and investors. Its rise is driven by advancements in technology, the increasing demand for flexible financing solutions, and the need for greater inclusivity in the financial sector. However, challenges such as regulatory risks, credit defaults, and market volatility must be addressed for alternative finance to reach its full potential. As the sector evolves, it will continue to disrupt traditional funding models and play an essential role in shaping the future of global finance. Related Items: Alternative Finance , Digitalization and Technology , Non-Traditional Funding Mechanisms Share Tweet Share Share Email Comments

Percentages: FG .557, FT .625. 3-Point Goals: 15-28, .536 (Joshua 3-3, Marshall 3-5, Klaczek 2-3, Reddish 2-3, Strand 2-4, Topuz 2-5, Briggs 1-3, Langford 0-1, Taylor 0-1). Team Rebounds: 0. Team Turnovers: None. Blocked Shots: 2 (Adewale, Klaczek). Turnovers: 15 (Neely 3, Adnan 2, Klaczek 2, Strand 2, Taylor 2, Giralt, Joshua, Marshall, Topuz). Steals: 12 (Joshua 5, Langford 2, Marshall 2, Strand 2, Lindsey). Technical Fouls: None. Percentages: FG .340, FT .478. 3-Point Goals: 5-19, .263 (Alicea 2-3, Maldonado 2-6, Bargas 1-3, Pagan 0-1, Gonzalez 0-2, Saavedra 0-2, Uselis 0-2). Team Rebounds: 0. Team Turnovers: None. Blocked Shots: 1 (Uselis). Turnovers: 19 (Perez 5, Alicea 4, Uselis 3, Saavedra 2, Bargas, Gonzalez, Guilfu, Pagan, Zayas). Steals: 4 (Bargas 2, Perez, Uselis). Technical Fouls: None. A_20 (12,000).

ATLANTA — Already reeling from their November defeats, Democrats now are grappling with President Joe Biden’s pardoning of his son for federal crimes, with some calling the move misguided and unwise after the party spent years slamming Donald Trump as a threat to democracy who disregarded the law. The president pardoned Hunter Biden late Sunday evening, reversing his previous pledges with a grant of clemency that covers more than a decade of any federal crimes his son might have committed. The 82-year-old president said in a statement that his son’s prosecution on charges of tax evasion and falsifying a federal weapons purchase form were politically motivated. “He believes in the justice system, but he also believes that politics infected the process and led to a miscarriage of justice,” said White House press secretary Karine Jean-Pierre, who along with Biden and other White House officials insisted for months that Hunter Biden would not get a pardon . That explanation did not satisfy some Democrats, angry that Biden’s reversal could make it harder to take on Trump , who has argued that multiple indictments and one conviction against him were a matter of Biden and Democrats turning the justice system against him. “This is a bad precedent that could be abused by later Presidents and will sadly tarnish his reputation,” Colorado Gov. Jared Polis wrote of Biden on the social media platform X. “When you become President, your role is Pater familias of the nation,” the governor continued, a reference to the president invoking fatherhood in explaining his decision. “Hunter brought the legal trouble he faced on himself, and one can sympathize with his struggles while also acknowledging that no one is above the law, not a President and not a President’s son.” Rep. Greg Stanton, D-Ariz., said on X: “This wasn’t a politically motivated prosecution. Hunter committed felonies and was convicted by a jury of his peers.” Colorado Sen. Michael Bennet said Biden “put personal interest ahead of duty” with a decision that “further erodes Americans’ faith that the justice system is fair and equal for all.” Michigan Sen. Gary Peters said the pardon was “an improper use of power” that erodes faith in government and “emboldens others to bend justice to suit their interests.” Sen. Peter Welch, D-Vt., called the pardon “understandable” if viewed only as the “action of a loving father.” But Biden’s status as “our nation’s Chief Executive,” the senator said, rendered the move “unwise.” Certainly, the president has Democratic defenders who note Trump’s use of presidential power to pardon a slew of his convicted aides, associates and friends, several for activities tied to Trump’s campaign and first administration. “Trump pardoned Roger Stone, Steve Bannon, Michael Flynn and Paul Manafort, as well as his son-in-law’s father, Charles Kushner — who he just appointed US ambassador to France,” wrote prominent Democratic fundraiser Jon Cooper on X. Democratic National Committee Chairman Jaime Harrison said there “is no standard for Donald Trump, and the highest standard for Democrats and Joe Biden.” Harrison pointed to Trump’s apparent plans to oust FBI Director Christopher Wray and replace him with loyalist Kash Patel and suggested the GOP’s pursuit of Hunter Biden would not have ended without clemency. “Most people will see that Joe Biden did what was right,” Harrison said. First lady Jill Biden said Monday from the White House, “Of course I support the pardon of my son.” Democrats already are facing the prospects of a Republican trifecta in Washington, with voters returning Trump to the White House and giving the GOP control of the House and Senate. Part of their argument against Trump and Republican leaders is expected to be that the president-elect is violating norms with his talk of taking retribution against his enemies. Before beating Vice President Kamala Harris, Trump faced his own legal troubles, including two cases that stemmed from his efforts to overturn his defeat to Joe Biden in the 2020 presidential election. Those cases, including Trump’s sentencing after being convicted on New York state business fraud charges, have either been dismissed or indefinitely delayed since Trump’s victory on Nov. 5, forcing Democrats to recalibrate their approach to the president-elect. In June, President Biden firmly ruled out a pardon or commutation for his son, telling reporters as his son faced trial in the Delaware gun case: “I abide by the jury decision. I will do that and I will not pardon him.” As recently as Nov. 8, days after Trump’s victory, Jean-Pierre ruled out a pardon or clemency for the younger Biden, saying: “We’ve been asked that question multiple times. Our answer stands, which is no.” The president’s about-face came weeks before Hunter Biden was set to receive his punishment after his trial conviction in the gun case and guilty plea on tax charges. It capped a long-running legal saga for the younger Biden, who disclosed he was under federal investigation in December 2020 — a month after his father’s 2020 victory. The sweeping pardon covers not just the gun and tax offenses against the younger Biden, but also any other “offenses against the United States which he has committed or may have committed or taken part in during the period from January 1, 2014, through December 1, 2024.” Hunter Biden was convicted in June in Delaware federal court of three felonies for purchasing a gun in 2018 when , prosecutors said, he lied on a federal form by claiming he was not illegally using or addicted to drugs. He had been set to stand trial in September in a California case accusing him of failing to pay at least $1.4 million in taxes. But he agreed to plead guilty to misdemeanor and felony charges in a surprise move hours after jury selection was set to begin. In his statement Sunday, the president argued that such offenses typically are not prosecuted with the same vigor as was directed against Hunter Biden. “The charges in his cases came about only after several of my political opponents in Congress instigated them to attack me and oppose my election,” Biden said in his statement. “No reasonable person who looks at the facts of Hunter’s cases can reach any other conclusion than Hunter was singled out only because he is my son. ... I hope Americans will understand why a father and a President would come to this decision.”None

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NEW YORK — U.S. stock indexes pulled back on Dec. 17 to trim some of their stellar gains for the year. The S&P 500 slipped 0.4 percent, though it's still near its all-time high set earlier this month. The Dow Jones Industrial Average dropped 0.6 percent, and the Nasdaq composite gave back 0.3 percent from its record set the day before. Nvidia, the superstar stock that's been a big reason for Wall Street's run to repeated records this year, fell 1.2 percent to weigh on the market. It's the eighth loss in nine days for the shares, which have dropped more than 12 percent from a record high set last month. Like the overall U.S. market, Nvidia's stock had climbed so much that critics warned expectations had become too high. The S&P 500 is on track for one of its best years since the millennium, up nearly 27 percent. NEW YORK — The Federal Trade Commission on Dec, 17 said it will soon require hotels, vacation rental platforms and live event promoters to disclose any fees up front when they list prices. The FTC said consumers often see advertised prices for hotel rooms, short-term rentals, and tickets to sporting events and concerts only to be surprised later by so-called "junk fees," including resort fees, cleaning fees, processing fees and other extra charges. The rule is scheduled to go into effect in 120 days. Ticketmaster said Tuesday it supports the new rule. The Associated Press left a message seeking comment Tuesday with the American Hotel and Lodging Association. Four of the FTC's five commissioners voted to approve the rule. Andrew Ferguson, – who is President-elect Donald Trump's choice to replace Khan, was the dissenting vote. The rule requires lodging and ticketing businesses to clearly and conspicuously disclose the true cost – including all mandatory fees – when they display any pricing. Businesses that exclude taxes or shipping fees from advertised prices must also disclose those charges. WASHINGTON — Consumers stepped up their spending at retail stores last month, providing a boost to the economy in the early phases of the winter holiday shopping season. Retail sales rose 0.7 percent in November, the Commerce Department said Tuesday, a solid increase and higher than October's 0.5 percent gain. The boost in spending underscores that the economy is still growing at a healthy pace even with higher interest rates, a trend that could cause the Federal Reserve to lower borrowing costs more slowly next year than they have previously signaled. Tuesday's report arrives just a day before the Fed is set to announce its latest rate decision Wednesday afternoon. COLUMBUS, Ohio — Amazon Web Services will invest another $10 billion to bolster its data center infrastructure in Ohio. The company announced the plan this wee, bringing the total it has committed to spending in the state by the end of 2029 to more than $23 billion. AWS launched its first Ohio data centers in 2016. The new investment will allow the company to expand its reach to new sites, but the company said the locations have not been determined yet and noted that its plans are contingent upon the securing long-term energy service agreements. SACRAMENTO, Calif. — Pacific Gas & Electric Co. could receive up to $15 billion in federal loans to help the utility modernize its power grid and expand clean energy infrastructure across central and northern California, officials announced Dec. 17. The U.S. Department of Energy announced a conditional commitment for one of the largest loan guarantees ever under its Energy Infrastructure Reinvestment program. When finalized, the money would be loaned in installments over several years. The funds would support a portfolio of projects to expand hydropower generation and battery storage, upgrade transmission capacity, and enable virtual power plants throughout PG&E's service area. PG&E submitted its application to the agency's Loan Programs Office in June 2023. Partially funding its projects with lower-cost federal loans could save customers up to $1 billion over the life of the financing, the utility said. WASHINGTON — President Joe Biden has endorsed a ban on congressional stock trading in an interview that’s being released this week, marking the first time he's publicly backed the idea. He made the comments to Faiz Shakir, a political adviser for Sen. Bernie Sanders. Shakir interviewed the Democratic president for A More Perfect Union, a pro-labor advocacy and journalism organization. The Associated Press reviewed a video of the interview before its release. A bipartisan proposal to ban trading by members of Congress and their families has dozens of sponsors, but it has not received a vote. SAN FRANCISCO — A San Francisco jury on Tuesday found a technology consultant guilty of second-degree murder in the stabbing death of Cash App founder Bob Lee, which carries a sentence of 16 years to life. Jurors took seven days to deliver their verdict against Nima Momeni in the April 4, 2023, death of Lee, who was found staggering on a deserted downtown street, dripping a trail of blood and calling for help. Lee, 43, later died at a hospital. Prosecutors said Momeni planned the attack on Lee, driving him to an isolated spot under the Bay Bridge and stabbing him three times. They said Momeni was angry with Lee for introducing his younger sister to a drug dealer she says gave her drugs and then sexually assaulted her. The case has drawn national attention, partly given Lee's status in the tech world. Momeni, 40, has been in custody since April 2023. LONDON — European Union privacy watchdogs hit Facebook owner Meta with fines totaling the U.S. equivalent of $264 million this week after an investigation into a 2018 data breach on the social media platform that exposed millions of accounts. Ireland's Data Protection Commission issued the penalties after wrapping up its inquiry into the breach, when hackers gained access to user accounts by exploiting bugs in the platform's code that allowed them to steal digital keys, known as "access tokens." Under the 27-nation EU's strict privacy regime, the Irish watchdog is Meta's lead privacy regulator because the company's regional headquarters are based in Dublin. The watchdog issued reprimands and "administrative penalties" worth 251 million euros after it found multiple infringements of the rules, known as the General Data Protection Regulation. The company said it would appeal the decision.

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Christmas: Let’s Renew Our Hope, We’re On Path To Restoration – Tinubu Tells NigeriansCustomers of Alibaba Cloud expressed appreciation for the transparency and prompt communication from the company regarding the incident. The reassurance that their services were unaffected helped alleviate concerns and demonstrated the company's commitment to maintaining high standards of service reliability and resilience.Vanna White's son, Nikko Santo Pietro, is getting a kick out of the fact that he's become a "heartthrob" to "Wheel of Fortune” fans. Just days after Santo Pietro caused a commotion by appearing alongside White in a cooking video , the 30-year-old real estate agent told "Entertainment Tonight" he found the attention "flattering." “Obviously, I’ve had an outpour from her fans just really being kind and saying all kinds of interesting stuff in the comments,” Santo Pietro said during a joint interview with White. Santo Pietro, whose dad is White's ex-husband, George San to Pietro , said navigating the attention was all in a day's work for him. "I always loved being in front of the camera. I work really hard on my social media. That's a big part of what I do. So it feels natural and good," he said. "A lot of it, too, (is) people see me as this heartthrob and they're thirsty for me and all this stuff ... I love it all," he continued. "But at the same time it's really good to remember the meaningful things in life and to just kind of dial it back and doing a lot of charity work, working hard every day." When "ET" wondered if any of White's fans should try shooting their shot with him, Santo Pietro revealed he's been dating singer-songwriter Easae for a year. "She obviously detected the heartthrob thing before America did," he joked. Santo Pietro's remarks come a few days after he appeared in a tight white T-shirt and blue jeans alongside White in a cooking video on their Instagram pages that coincided with "Fabulous Food Week" on "Wheel of Fortune." Many of White's fans appeared to focus more on Santo Pietro's looks than the chicken dish he was preparing. “Vanna where have you been hiding Nikko? He’s GORGEOUS,” wrote one person. One of White's fans worked in a "Wheel of Fortune" joke while reacting to the video, writing, “My next three letters are H-O-T!”DAVID MARCUS: How my Jewish father taught me to love Christmas

As he delved deeper into his search for his biological family, the protagonist uncovered startling revelations about his past, including the heart-wrenching truth that he had been kidnapped not once, but twice more after his initial abduction as a child. Each time, he had managed to break free, a testament to his indomitable spirit and unwavering determination.Thousands of defiant pro-EU protesters in Georgia staged a fresh rally Friday after the prime minister claimed victory in a "battle" against the opposition, amid a deepening post-electoral crisis. Tbilisi has been engulfed in turmoil since the governing Georgian Dream party declared that it had won a disputed October 26 election. The party's critics have accused it of creeping authoritarianism and of steering the country back towards Russia. Tens of thousands have taken to the streets since the election to protest against alleged electoral fraud. Fresh rallies took place across the country after Prime Minister Irakli Kobakhidze announced last week that Georgia would not hold talks on European Union membership until 2028. Police have fired tear gas and water cannon against pro-EU protests in Tbilisi and hundreds of arrests have been made, triggering outrage at home and mounting international condemnation. France, Germany and Poland condemned what they called the government's "disproportionate" use of force against protesters and opposition leaders in a joint statement by their foreign ministers Friday. Several thousand people blocked the street outside parliament for a ninth consecutive night Friday, some blowing whistles and others setting off firecrackers. The crowd was smaller than on previous nights and the mood quieter, but protesters rejected claims the movement was dying out. "We are fighting for our freedom," said Nana, 18, a medical student, wrapped in an EU flag, accompanied by a friend in a matching Georgian flag. "We are not going to give up." Another protester, 35-year-old academic Alexander Kavtaradze, said: "It's a battle of nerves right now. The illegitimate government is hoping we'll get tired, that fewer people will come out each day. "We will continue our fight until the end." Separate protests were held outside Georgia's Public Broadcaster -- accused of serving as a government propaganda tool -- the education ministry, and the country's tourism administration offices. Shalva Alaverdashvili, founder of the Georgian hotels' federation, told AFP that the "unexpected and unacceptable" suspension of EU accession talks has severely hit the country's tourism industry, which accounts for seven percent of the country's GDP. Thousands have also staged anti-government rallies in the second city of Batumi on the Black Sea coast. On Friday evening, a court in Tbilisi put a 19-year-old youth activist in pre-trial detention. Zviad Tsetskhladze had been arrested during the protests on charges of "organising, leading, and participating in group violence". Tsetskhladze told the judge: "Democracy in Georgia is no more. The rule of law has been crushed. "Our actions are a form of resistance, aimed at preserving the rule of law, defending democracy, and protecting the rights of every individual." Earlier Friday Prime Minister Kobakhidze praised his security forces for "successfully neutralising the protesters' capacity for violence". "We have won an important battle against liberal fascism in our country," he told a news conference, using language reminiscent of how the Kremlin in Russia targets its political opponents. "But the fight is not over. Liberal fascism in Georgia must be defeated entirely, and work towards this goal will continue," Kobakhidze said. He repeated an earlier threat to "complete the process of neutralising the radical opposition". With both sides ruling out a compromise, there appeared to be no clear route out of the crisis. The leader of the opposition Lelo party, Mamuka Khazaradze, said the ruling party "no longer has the strength or resources to stand against the people." The government "has resorted to arresting young activists and political opponents out of fear of relentless public protests and growing civil disobedience by public servants," he told AFP. The interior ministry said police had detained three more individuals Friday for "participating in group violence", punishable by up to nine years' jail. Masked officers have raided several opposition party offices and arrested opposition leaders earlier this week, while around 300 people have been detained at rallies. On Friday Nika Gvaramia, leader of the opposition Akhali party, was sentenced to 12 days in prison. Alexandre Elisashvili, leader of the Strong Georgia opposition group, was remanded in custody for two months of pretrial detention. More trouble is expected after December 14, when Georgian Dream lawmakers elect a loyalist to succeed pro-Western President Salome Zurabishvili. She has vowed not to step down until the parliamentary polls are re-run. Local media has also reported protests across the country, including in the cities of Batumi, Kutaisi, Zugdidi, Rustavi and Telavi. Critics of Georgian Dream are enraged by what they call its betrayal of Tbilisi's bid for EU membership, enshrined in the constitution and supported by around 80 percent of the population. Several ambassadors, a deputy foreign minister, and other officials have resigned over the suspension of EU talks. Georgian Dream, in power for more than a decade, has advanced controversial legislation in recent years, targeting civil society and independent media and curbing LGBTQ rights. Brussels warned such policies were incompatible with EU membership, while domestic critics accuse the government of copying Russia's playbook. Georgia's own rights ombudsman Levan Ioseliani has accused the police of "torture" against those arrested.

The attempted assassination of the United Health CEO serves as a stark reminder of the fragility of life and the dangers that can arise in the pursuit of success. It is a sobering moment for the nation as it grapples with the implications of such a senseless act of violence.

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