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Federal Gov’t To Enforce Compliance With Land Administration LawsThe standard Lorem Ipsum passage, used since the 1500s "Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 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.

Manchester City’s crisis deepened as they surrendered a three-goal lead late in the game to draw 3-3 against Feyenoord in the Champions League. Pep Guardiola’s side avoided the indignity of a sixth successive defeat in all competitions and looked on course for a welcome victory thanks to a double from Erling Haaland – the first from the penalty spot – and a deflected effort from Ilkay Gundogan. Yet Guardiola was left with his head in hands as Feyenoord roared back in the last 15 minutes with goals from Anis Hadj Moussa, Sergio Gimenez and David Hancko, two of them after Josko Gvardiol errors. FULL-TIME | A point apiece. 🩵 3-3 ⚫️ #ManCity | #UCL pic.twitter.com/6oj1nEOIwm — Manchester City (@ManCity) November 26, 2024 Arsenal delivered the statement Champions League win Mikel Arteta had demanded as they swept aside Sporting Lisbon 5-1. Arteta wanted his team to prove their European credentials, and goals from Gabriel Martinelli, Kai Havertz, Gabriel, Bukayo Saka and Leandro Trossard got their continental campaign back on track in style following the 1-0 defeat at Inter Milan last time out. A memorable victory also ended Sporting’s unbeaten start to the season, a streak of 17 wins and one draw, the vast majority of which prompted Manchester United to prise away head coach Ruben Amorim. Putting on a show at Sporting 🌟 pic.twitter.com/Yi9MgRZEkl — Arsenal (@Arsenal) November 26, 2024 Paris St Germain were left in serious of danger of failing to progress in the Champions League as they fell to a 1-0 defeat to Bayern Munich at the Allianz Arena. Kim Min-jae’s header late in the first half was enough to send PSG to a third defeat in the competition this season, leaving them six points off the automatic qualification places for the last 16 with three games to play. Luis Enrique’s side, who had Ousmane Dembele sent off, were deservedly beaten by Bayern who dominated chances and possession. 🔔 FULL TIME – Victory at home! +3 in the #UCL 👏❤️ #FCBayern #MiaSanMia | #FCBPSG #UCL pic.twitter.com/BYE23dXXih — FC Bayern (@FCBayernEN) November 26, 2024 Elsewhere, Atletico Madrid were 6-0 winners away to Sparta Prague, Julian Alvarez and Angel Correa each scoring twice whilst there were also goals from Marcos Llorente and Antoine Griezmann. Barcelona ended tournament debutants Brest’s unbeaten start with a 3-0 victory courtesy of two goals from Robert Lewandowski – one a penalty – and Dani Olmo. Lewandowski’s first was his 100th Champions League goal, only the third man to reach the mark after Cristiano Ronaldo and Lionel Messi. A Castello Lukeba own goal saw Inter Milan go top of the standings with a narrow 1-0 win over RB Leipzig at San Siro, whilst Bayer Leverkusen were emphatic victors against Red Bull Salzburg, Florian Wirtz scoring twice to move Xabi Alonso’s side into the automatic qualification places. Atalanta continued their strong start, albeit whilst conceding a first goal in Europe this season in a 6-1 win away to Young Boys, whilst Tammy Abraham scored the decisive goal as AC Milan beat Slovan Bratislava 3-2.Conservationists eager for plan to save rare eastern wolf in Quebec, Ontario

The Social Security Administration (SSA) has been working hard to ensure that their beneficiaries receive the best possible attention, but soon their efforts could be thwarted by Congress, as House Republicans refused to increase necessary funding for the SSA in the continuing resolution passed in September. This refusal forced the agency to implement a hiring freeze last month, plunging the agency into the worst staffing crisis in 50 years with a record number of beneficiaries to serve. This will mean increased wait times on the phone or online when trying to resolve problems, which could lead to a lot of problems down the line. The SSA released a statement addressing the issue “If SSA does not receive increased appropriation through March, over 2,000 additional employees will be lost through attrition in the next three months, including experienced staff. Customer service will decline as wait times in our field offices and on the 800 Number increase, backlogs grow, and customers experience further delays in waiting for their claims to be processed.” The Administration, which was doing well under the direction of former Commissioner Martin O’Malley made a valient effort to make do with the existing budget, but the situation is unsustainable, especially if there are more cuts. As an SSA spokesperson established, “Under the existing Continuing Resolution (which did not include the Administration’s requested anomaly) the Social Security Administration was forced to institute a hiring freeze on Nov. 21. Many of the gains we’ve experienced will be lost under continued flat funding.” And the SSA is not the only agency experiencing these cuts negatively, the IRS and the Federal Aviation Administration, both key players have also started their countdown until their hiring freezes because of lack of allocated funds. The impact of the lack of funding on Social Security Should the funding crisis not be averted, agency employees would likely face up to 10 days of furlough, closing offices and tanking service levels. The SSA spokesperson continued “This means our field offices, card centers, and the national 800 number would have reduced levels of service and further delay critical services that the public depends on.” But it is not just SSA employees that are concerned, Sen. Chris Van Hollen (D-Md.), a member of the Senate Appropriations Committee also issued a warning over the program’s lack of funding and its impact on beneficiaries “The Senate Appropriations bill provided a bump-up. The House Appropriations bill cut them quite a bit. It would be terrible if they have to furlough staff. We should not be cutting the Social Security budget. It just makes it harder for Americans to get their benefits. It means that customer service goes way down. I don’t know why anybody would support that”. The lack of funding, which would be to $401 million below its fiscal 2024 operating level and $1.6 billion below President Biden’s request for increased funds, would cripple services, but Republicans do not seem to care very much. They argue that the Biden request is “unsustainable and could lead to significant reductions in other non-defense discretionary areas.” One Republican Senator blamed the issue on the agency’s employees are working from home, by refusing to hear any other reason. He is not alone, many House Republicans point out that only 39 percent of SSA officials in Washington report to the office at least three days a week. A Republican aid stated that “They have the resources and should responsibly use the increase they’ve already been given” but it may not be that simple. As the Trump transition team and congressional Republicans advance plans for a new “ Department of Government Efficiency “, led by Elon Musk and Vivek Ramaswamy, the initiative aims to streamline federal operations, with Musk proposing $2 trillion in budget cuts. The two held initial meetings with Republicans on Capitol Hill to discuss their vision.

Garrett Crochet: Red Sox Trade a 'Big Relief' After Months of Rumors with White SoxMen lose 17 minutes of life with every cigarette they smoke while a woman’s life is cut short by 22 minutes with each cigarette, experts have estimated. This is more than previous estimates, which suggest that each cigarette shortens a smoker’s life by 11 minutes. The new estimates, which suggest that each cigarette leads to 20 minutes loss of live on average across both genders, are based on more up-to-date figures from long-term studies tracking the health of the population. Researchers from University College London said that the harm caused by smoking is “cumulative” and the sooner a person stops smoking, and the more cigarettes they avoid smoking, the longer they live. The new analysis, commissioned by the Department for Health and Social Care, suggests that if a 10-cigarettes-a-day smoker quits on January 1, then by January 8 they could “prevent loss of a full day of life”. By February 20, their lives could be extended by a whole week. And if their quitting is successful until August 5, they will likely live for a whole month longer than if they had continued to smoke. The authors added: “Studies suggest that smokers typically lose about the same number of healthy years as they do total years of life. Make 2025 the year you quit smoking for good. There’s lots of free support available to help you. Find out more 🔽 https://t.co/J0ehnoRM1D pic.twitter.com/LQpUp6HJBm — WHH 🏥 (@WHHNHS) December 27, 2024 “Thus smoking primarily eats into the relatively healthy middle years rather than shortening the period at the end of life, which is often marked by chronic illness or disability. “So a 60-year-old smoker will typically have the health profile of a 70-year-old non-smoker.” The analysis, to be published in the Journal of Addiction, concludes: “We estimate that on average, smokers in Britain who do not quit lose approximately 20 minutes of life expectancy for each cigarette they smoke. “This is time that would likely be spent in relatively good health. “Stopping smoking at every age is beneficial but the sooner smokers get off this escalator of death the longer and healthier they can expect their lives to be.” Dr Sarah Jackson, principal research fellow from the UCL Alcohol and Tobacco Research Group, said: “It is vital that people understand just how harmful smoking is and how much quitting can improve their health and life expectancy. “The evidence suggests people lose, on average, around 20 minutes of life for each cigarette they smoke. “The sooner a person stops smoking, the longer they live. “Quitting at any age substantially improves health and the benefits start almost immediately. “It’s never too late to make a positive change for your health and there are a range of effective products and treatments that can help smokers quit for good.” There are so many reasons to quit smoking this New Year – for your health, for more money, and for your family. Make a fresh quit for 2025 – find tips and support at https://t.co/GyLk65o8kS or https://t.co/iW6WLxTL00 pic.twitter.com/KxPZ5N378y — North Tees and Hartlepool NHS Foundation Trust (@NTeesHpoolNHSFT) December 27, 2024 Health officials have said that smokers can find advice, support and resources with the NHS Quit Smoking app, as well as the online Personal Quit Plan. Public health minister Andrew Gwynne said: “Smoking is an expensive and deadly habit and these findings reveal the shocking reality of this addiction, highlighting how important it is to quit. “The new year offers a perfect chance for smokers to make a new resolution and take that step.” Commenting on the paper, Professor Sanjay Agrawal, special adviser on tobacco at the Royal College of Physicians, said: “Every cigarette smoked costs precious minutes of life, and the cumulative impact is devastating, not only for individuals but also for our healthcare system and economy. “This research is a powerful reminder of the urgent need to address cigarette smoking as the leading preventable cause of death and disease in the UK.”

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 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?" 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.From GTA 5 To GTA 6: The Road To Record-Breaking Returns For Take-Two Interactive

Luigi Mangione’s arrest thrust his family into the spotlight. Who are the Mangiones of Baltimore?

Nice vs Rangers: Under-fire Clement aims to bounce back from Dundee United draw with Euro upset – latest team newsStockhead Don't miss out on the headlines from Stockhead. Followed categories will be added to My News. Lithium prices faking at a rebound as corporate activity rises Sayona-Piedmont the latest scrip M&A deal, while Norm Seckold lists $9.7m Nevada lithium float WA1, Nico, Pantera among High Voltage weekly gains Our High Voltage column wraps all the news driving ASX stocks with exposure to lithium, cobalt, graphite, nickel, rare earths, and vanadium. Back from the brink, the bottom of the market is bringing a handful of investment opportunities to bear in sold-off lithium. The price news remains particularly difficult, with hydroxide chemicals – used in nickel rich EV battery chemistries – fetching just US$8750/t according to Fastmarkets. Battery-grade carbonate, associated with cheaper but shorter range lithium-iron-phosphate battery chemistry EV batteries, is a little brighter at US$11,110/t across China, Japan and Korea. But there are a couple bright-ish spots if the price reporting agency's numbers are to be believed. Chinese carbonate prices, for instance, recorded a US$1340/t WoW growth to RMB84,700/t or US$11,695/t. 6% Li20 spodumene concentrate meanwhile lifted to US$850/t, above the month average of US$821/t. That reflected movements in the futures market, according to Fastmarkets, though spot sales were sparse. But for anyone with a long-term bullish outlook on lithium and battery demand, some corporate machinations suggest there will be ways to play the battered sector. Down-cycle M&A Rio Tinto (ASX:RIO) and Pilbara Minerals (ASX:PLS) sounded the alarm that counter-cyclical acquisitions were beginning ahead of the next upturn in the battery materials cycle with their $10bn and $560m moves respectively on Arcadium Lithium (ASX:LTM). But it's happening further down the curve as well. This week saw the marriage of Sayona Mining (ASX:SYA) and Piedmont Lithium (ASX:PLL), bringing the North American Lithium operation in Quebec, Canada, under a single banner. The companies had previously owned the project in a 75-25 split, with NASDAQ dual-listed Piedmont also boasting an interest in Atlantic Lithium's (ASX:A11) Ewoyaa project in Ghana and proposed conversion plants in the US. Outside of NAL, SYA also boasts the Moblan and Authier projects in Quebec, giving it a sizeable resource base of more than 150Mt to tap should lithium markets turn around. The merger is being supported by Resource Capital Funds, which will tip US$45 million ($69m) into the business subject to Sayona shareholder approval, with both Piedmont and Sayona to also raise US$27m ($40m) each. The merged entity plans to allow non-institutional holders to take part in a $22.5m raise post combination. NAL produced 52,141t of 5.3% spodumene concentrate in the September quarter, lifting revenue 113% to $52m. But its operating costs of $1335/dmt (FOB) while down 11% QoQ continue to run above average sale prices of $1067/dmt (US$711/t). Underlying EBITDA was negative $18m in the three months to September 30. The return of IPOs ASX IPOs hit a long-term high in 2021 as over 100 resources companies, many of them chasing lithium, leapt onto the bourse. These days they're fewer and farther in between. But today a new lithium explorer hits the bourse in the form of Norm Seckold's Fulcrum Lithium. Chaired by Seckold, the chairman of $4bn ASX success story Nickel Industries (ASX:NIC), Sky Metals (ASX:SKY) and Alpha HPA (ASX:A4N) , he will hold a post-listing diluted holding in the company of 23.83%. Loaded up with the ASX code FUL, the $9.7 million, 25c per share float – managed by Bell Potter – will ring the bell at 10.30am AEDT on Friday, seeking to explore for the white stuff in Nevada's Esmeralda County. FUL's Fairway, Alkali Flats and Summit projects surround or abut a number of major US lithium deposits in Nevada, close to major gigafactories like Tesla's Reno facility. They include American Lithium's TLC project, American Battery Technology Co.'s Tonopah Flats, ioneer's (ASX:INR) Rhyolite Ridge and Albemarle's Silver Peak. The largest of FUL's assets is the flagship Alkali Flats, located to the east of Albemarle's operating lithium brine Silver Peak, the only major lithium producer in the USA currently, where the junior has set out an exploration target over two areas of 3.42-7.35Bt at 500-700ppm Li for 9.1-27.4Mt of lithium carbonate equivalent. Battery Metals Winners and Losers Here’s how a basket of ASX stocks with exposure to lithium, cobalt, graphite, nickel, rare earths, magnesium, manganese and vanadium is performing >>> Code Company Price % Week % Month % Six Month % Year Market Cap OD6 Od6Metalsltd 0.2 19900% 19900% 19900% 0% $5,791,058 ITM Itech Minerals Ltd 0.155 244% 210% 675% 252% $11,439,271 DLI Delta Lithium 0.003 50% 0% -40% -70% $139,725,649 RVT Richmond Vanadium 0.061 42% 24% -33% -29% $25,000,264 MRD Mount Ridley Mines 0.0025 25% -17% 0% -71% $7,784,883 TMX Terrain Minerals 0.057 24% 24% -21% -2% $7,200,115 WA1 Wa1Resourcesltd 0.084 24% 22% -2% -38% $983,233,068 NC1 Nicoresourceslimited 0.037 23% -23% -21% -51% $14,228,575 GW1 Greenwing Resources 0.011 22% 22% 10% -69% $10,348,014 GRE Greentechmetals 0.12 20% -8% -25% -65% $7,560,278 ADD Adavale Resource Ltd 0.021 17% 5% -50% -71% $3,059,413 SRZ Stellar Resources 0.0035 17% -13% -50% -68% $38,475,386 FTL Firetail Resources 0.028 17% -15% -23% -41% $25,174,846 PFE Panteraminerals 0.0035 17% -22% -42% -65% $9,475,674 CNB Carnaby Resource Ltd 0.004 14% 0% -43% -60% $63,616,781 S32 South32 Limited 0.12 14% 9% -45% -31% $16,731,510,726 MHC Manhattan Corp Ltd 0.004 14% 14% 14% 0% $4,497,970 STM Sunstone Metals Ltd 0.018 13% -5% -12% 100% $38,616,777 EV1 Evolutionenergy 14.94 12% 11% -32% 75% $10,095,880 STK Strickland Metals 0.015 11% 7% -21% -48% $176,593,179 AR3 Austrare 0.01 11% 0% -23% -60% $16,656,850 PEK Peak Rare Earths Ltd 0.105 11% 7% -22% -34% $32,171,502 SGQ St George Min Ltd 0.265 10% -9% 6% 77% $27,213,511 FRS Forrestaniaresources 0.046 10% -6% -27% -21% $3,262,867 BKT Black Rock Mining 0.025 9% -32% -47% -67% $57,594,235 BUR Burleyminerals 0.575 8% -3% 64% 109% $9,774,111 LRS Latin Resources Ltd 0.0065 8% -19% -28% -82% $546,276,795 AVL Aust Vanadium Ltd 0.081 8% 0% 8% -71% $116,567,884 BCA Black Canyon Limited 0.028 8% -7% -30% -41% $5,242,185 MLS Metals Australia 0.215 8% 10% -16% -19% $18,180,488 SBR Sabre Resources 6.55 7% 38% 36% 171% $4,322,581 ZNC Zenith Minerals Ltd 0.0075 7% 25% -32% -53% $17,805,200 BMM Balkanminingandmin 0.155 7% -26% -63% -74% $4,388,066 IXR Ionic Rare Earths 0.016 7% -6% 0% -52% $43,827,864 MTM MTM Critical Metals 0.016 7% 7% 33% -6% $23,312,825 BM8 Battery Age Minerals 0.049 7% -2% -40% -77% $9,464,995 LSR Lodestar Minerals 0.515 6% 23% 348% 410% $3,372,329 OMH OM Holdings Limited 3.75 6% 1% -4% 18% $260,527,312 RMX Red Mount Min Ltd 1.005 6% -26% 18% 310% $4,260,936 SLZ Sultan Resources Ltd 4.11 6% 19% 96% 187% $1,620,289 NIC Nickel Industries 0.0095 6% -5% -27% -57% $3,925,176,040 FRB Firebird Metals 0.019 6% -30% -50% -58% $17,083,368 PNN Power Minerals Ltd 0.041 5% 3% -18% -32% $10,900,399 AXE Archer Materials 0.021 5% 5% -40% -30% $77,728,339 FIN FIN Resources Ltd 0.0105 5% -22% -80% -63% $3,895,612 EVG Evion Group NL 0.9175 5% -1% -14% 15% $11,796,748 AZL Arizona Lithium Ltd 0.044 5% -4% -19% -51% $67,107,218 WC8 Wildcat Resources 0.044 5% -12% -37% -73% $333,872,360 AGY Argosy Minerals Ltd 0.24 4% -17% -49% -20% $52,413,154 IPX Iperionx Limited 0.024 4% 14% 4% -40% $1,210,623,588 WR1 Winsome Resources 0.12 4% -14% 43% -23% $112,964,588 CNJ Conico Ltd 0.073 4% -8% -42% -57% $2,201,528 LLI Loyal Lithium Ltd 0.53 4% 5% -61% -55% $9,736,972 ALY Alchemy Resource Ltd 0.056 4% 14% 12% -23% $8,246,534 PTR Petratherm Ltd 0.028 4% 4% 17% -30% $34,900,465 REE Rarex Limited 0.03 3% -6% -60% -82% $8,809,304 RNU Renascor Res Ltd 0.16 3% 7% -9% -19% $172,844,418 RR1 Reach Resources Ltd 0.067 3% 5% 81% 81% $9,618,745 EMH European Metals Hldg 0.042 2% 11% 5% -26% $32,153,929 PAM Pan Asia Metals 0.098 2% 20% -35% 2% $12,746,410 OM1 Omnia Metals Group 0.099 2% -10% -29% -58% $4,550,568 SUM Summitminerals 0.027 2% -13% -32% -79% $14,244,118 VML Vital Metals Limited 0.4275 2% -13% -13% -14% $17,685,201 NWC New World Resources 0.0355 1% -4% -72% -76% $59,645,916 M2R Miramar 0.37 1% 12% 37% 45% $1,984,116 MLX Metals X Limited 0.078 1% -1% -21% -54% $376,587,041 LLL Leolithiumlimited 0.395 1% -14% -19% -29% $605,458,342 KNI Kunikolimited 0.2225 1% -29% -46% -57% $16,052,315 AXN Alliance Nickel Ltd 0.09 1% 1% -14% -63% $26,856,066 PVW PVW Res Ltd 0 0% 0% 0% 0% $3,381,381 CAE Cannindah Resources 0.004 0% -33% -64% -86% $30,935,518 COB Cobalt Blue Ltd 0.004 0% 0% 33% -50% $29,995,707 CZN Corazon Ltd 0.001 0% 0% -50% -50% $2,671,622 GBR Greatbould Resources 0.002 0% 0% -33% -67% $32,632,192 PLL Piedmont Lithium Inc 0.042 0% 0% 0% -28% $76,325,950 ARL Ardea Resources Ltd 0.016 0% 14% 220% 220% $75,879,508 CHN Chalice Mining Ltd 0.011 0% -21% -48% -76% $540,747,235 NMT Neometals Ltd 0.003 0% -25% -33% -50% $69,248,258 IGO IGO Limited 0.099 0% -1% -21% -60% $3,756,048,352 ADV Ardiden Ltd 0.027 0% -10% -44% -49% $7,814,688 PLS Pilbara Min Ltd 0.115 0% 19% 15% 10% $8,703,361,969 TKL Traka Resources 0.025 0% -4% 39% -32% $1,945,659 IPT Impact Minerals 0.041 0% 0% 0% 0% $36,713,205 LIT Livium Ltd 0.012 0% 0% -48% 9% $24,977,281 ARN Aldoro Resources 0.019 0% -10% -30% -42% $11,443,018 JRV Jervois Global Ltd 0.085 0% 5% 10% 0% $32,433,165 BSX Blackstone Ltd 0.002 0% 0% -50% -80% $15,386,277 POS Poseidon Nick Ltd 0.028 0% -16% -52% -67% $16,815,502 CHR Charger Metals 0.005 0% -17% -9% -70% $6,271,040 AUZ Australian Mines Ltd 0.014 0% -13% -13% -42% $15,383,633 EGR Ecograf Limited 0.034 0% -3% -31% -56% $35,422,282 TVN Tivan Limited 0.86 0% -4% -20% -27% $99,344,963 GAL Galileo Mining Ltd 0.007 0% -13% 0% -22% $24,703,116 ASL Andean Silver 0.37 0% -3% -10% -34% $160,693,099 LML Lincoln Minerals 0.008 0% 0% -41% -31% $12,337,557 PUR Pursuit Minerals 0.026 0% 0% 13% -16% $10,906,200 LEG Legend Mining 0.11 0% -39% -52% -71% $32,004,249 AML Aeon Metals Ltd. 0.005 0% -17% 0% -38% $5,482,003 G88 Golden Mile Res Ltd 0.005 0% 0% -17% -44% $5,673,874 WKT Walkabout Resources 0.012 0% -8% 0% -48% $63,769,838 TON Triton Min Ltd 0.095 0% -4% -21% -37% $15,683,887 ARU Arafura Rare Earths 0.11 0% -21% 5% -42% $320,362,730 MIN Mineral Resources. 0.13 0% -19% -33% -32% $6,821,160,745 VR8 Vanadium Resources 0.001 0% 0% 0% -75% $15,753,506 NVA Nova Minerals Ltd 0.024 0% -4% -14% -60% $56,196,517 EFE Eastern Resources 0.003 0% -18% -64% -70% $4,967,786 BNR Bulletin Res Ltd 0.375 0% 1% -56% -38% $11,450,920 AM7 Arcadia Minerals 0.01 0% 25% -79% -84% $3,277,403 EMS Eastern Metals 0.011 0% -21% -60% -37% $1,818,820 IMI Infinitymining 0.01 0% 0% -9% -55% $5,488,117 RAG Ragnar Metals Ltd 0.001 0% 0% -38% -72% $9,953,706 TMB Tambourahmetals 0.003 0% -14% 0% -14% $2,764,751 EMC Everest Metals Corp 0.006 0% -25% -30% -30% $23,285,389 KZR Kalamazoo Resources 0.002 0% -33% -50% -92% $17,106,805 CMX Chemxmaterials 0.008 0% 0% 33% -50% $4,773,826 ENT Enterprise Metals 0.007 0% -13% -46% -75% $4,713,269 AKN Auking Mining Ltd 0.036 0% 3% 20% -55% $1,565,401 RR1 Reach Resources Ltd 0.004 0% -20% -79% -93% $9,618,745 CAI Calidus Resources 0.001 0% 0% 0% -50% $93,678,206 GT1 Greentechnology 0.115 0% 0% -15% -36% $26,435,143 PGD Peregrine Gold 0.018 0% -5% -55% -45% $8,824,195 YAR Yari Minerals Ltd 0.014 0% -13% -13% -50% $1,929,431 IG6 Internationalgraphit 0.004 0% 0% 0% -71% $12,774,850 CLZ Classic Min Ltd 0.003 0% 0% -40% -63% $1,544,026 NVX Novonix Limited 0.001 0% 0% -83% -98% $380,198,524 ILU Iluka Resources 0.11 0% -39% -52% -71% $2,351,088,849 CRI Criticalim 0.023 0% 0% -32% -34% $26,723,155 VTM Victory Metals Ltd 0.105 0% 8% 35% 88% $40,146,004 WCN White Cliff Min Ltd 0.006 0% -14% -42% -74% $28,357,061 KFM Kingfisher Mining 0.015 0% -17% -17% -55% $2,739,465 AOA Ausmon Resorces 0.051 0% -22% -25% -73% $2,117,999 WC1 Westcobarmetals 0.002 0% -20% -33% -33% $2,745,006 DM1 Desert Metals 0.015 0% 7% -46% -58% $7,431,919 M24 Mamba Exploration 0.01 0% 0% -44% -76% $1,880,823 TKM Trek Metals Ltd 0.003 0% 0% -40% -63% $14,388,440 BC8 Black Cat Syndicate 0.105 0% -19% -61% -77% $311,172,929 VHM Vhmlimited 0.078 0% 0% 0% 0% $64,313,985 SRN Surefire Rescs NL 0.505 0% 0% 0% 0% $5,958,923 LU7 Lithium Universe Ltd 0.008 0% -20% -11% -55% $7,557,052 MEI Meteoric Resources 0.01 0% -44% -44% -75% $229,871,121 LM1 Leeuwin Metals Ltd 0.006 0% 0% -54% -78% $3,420,172 HAW Hawthorn Resources 0.073 0% -15% -9% -64% $17,755,827 RON Roninresourcesltd 0.012555 0% 0% -13% -19% $5,892,002 KNG Kingsland Minerals 7.97 -1% -3% 11% 0% $13,423,769 LEL Lithenergy 40.01 -1% -5% -12% -14% $41,440,581 ASM Ausstratmaterials 5.46 -1% -13% -31% -25% $91,566,416 SYA Sayona Mining Ltd 0.067 -1% -14% -50% -58% $391,145,249 PBL Parabellumresources 0.066 -1% -6% -57% -62% $3,115,000 EMN Euromanganese 0.265 -2% -9% -15% -38% $10,202,496 LCY Legacy Iron Ore 0.053 -2% -9% -26% -43% $122,132,779 VMC Venus Metals Cor Ltd 34.3 -2% -25% -57% -46% $13,729,008 ANX Anax Metals Ltd 0.245 -2% 44% 345% 11% $9,150,067 FBM Future Battery 0.235 -2% -8% -52% -64% $13,972,474 EG1 Evergreenlithium 0.235 -2% -8% -52% -64% $4,779,550 LMG Latrobe Magnesium 0.084 -2% -2% -30% -24% $54,016,360 HRE Heavy Rare Earths 0.04 -2% 14% -41% -77% $2,443,979 TOR Torque Met 0.2 -2% 0% 18% -2% $12,982,524 ASN Anson Resources Ltd 0.19 -3% -16% -51% -85% $95,541,071 AVW Avira Resources Ltd 0.175 -3% -17% -55% -29% $2,938,790 GL1 Globallith 0.067 -3% -14% -42% -54% $49,511,698 CWX Carawine Resources 0.033 -3% 3% 38% -3% $27,154,427 DVP Develop Global Ltd 0.165 -3% -11% -11% 50% $528,162,362 CXO Core Lithium 0.063 -3% 0% -61% -57% $212,158,539 RIL Redivium Limited 0.0145 -3% -19% -37% -69% $10,987,419 JLL Jindalee Lithium Ltd 0.145 -3% 12% -37% -78% $23,907,510 DYM Dynamicmetalslimited 0.087 -3% -30% -11% -55% $7,200,000 WSR Westar Resources 0.085 -3% 8% -6% -54% $3,189,799 MAN Mandrake Res Ltd 0.2075 -3% -20% -10% 43% $15,054,238 ATM Aneka Tambang 0.078 -4% -5% -46% -61% $1,121,138 MRR Minrex Resources Ltd 0.013 -4% -13% 8% -57% $8,678,940 PEK Peak Rare Earths Ltd 0.051 -4% -6% -11% -71% $32,171,502 SYR Syrah Resources 0.0115 -4% -12% -32% -69% $243,199,565 JMS Jupiter Mines. 0.34 -4% -13% -33% -27% $294,075,798 KTA Krakatoa Resources 0.065 -4% -6% -13% -61% $4,721,072 CTN Catalina Resources 0.021 -5% -16% 5% -9% $3,715,461 PGM Platina Resources 0.31 -5% 24% -22% -22% $11,840,426 ETM Energy Transition 0.515 -5% -12% -50% -67% $33,809,008 E25 Element 25 Ltd 0.1525 -5% -10% -57% -13% $62,675,034 MEK Meeka Metals Limited 0.04 -5% -7% -30% -46% $161,843,779 CDT Castle Minerals 0.06 -5% -9% -50% -57% $3,345,628 AX8 Accelerate Resources 0.039 -5% -15% -22% -77% $6,217,539 AZI Altamin Limited 0.078 -5% -22% -40% -3% $14,747,386 AAJ Aruma Resources Ltd 0.019 -5% -10% -24% -34% $3,552,931 INF Infinity Lithium 0.074 -5% -30% -3% -56% $15,265,539 VRC Volt Resources Ltd 1.38 -5% -19% -20% -10% $14,555,373 A8G Australasian Metals 0.017 -6% -11% -32% -69% $3,856,917 WML Woomera Mining Ltd 0.125 -6% -7% 0% 36% $4,333,180 GED Golden Deeps 4.91 -6% -8% -39% -45% $4,091,103 LYC Lynas Rare Earths 0.048 -6% -47% -68% -72% $6,524,332,931 EVR Ev Resources Ltd 0.008 -6% -6% -27% -65% $4,188,814 GLN Galan Lithium Ltd 0.385 -6% -13% -39% -19% $109,364,101 QEM QEM Limited 0.046 -6% -6% -26% -56% $6,870,013 CRR Critical Resources 0.1875 -6% 1% -28% -9% $15,807,761 OCN Oceanalithiumlimited 0.75 -6% -4% -13% 2% $2,144,948 PMT Patriotbatterymetals 0.29 -6% -9% 21% -19% $162,263,384 LOT Lotus Resources Ltd 0.098 -7% -7% -37% -73% $504,293,460 AS2 Askarimetalslimited 0.028 -7% -28% -53% -69% $1,748,792 RGL Riversgold 0.014 -7% -13% -30% -74% $4,882,388 SRI Sipa Resources Ltd 0.125 -7% -4% -19% -52% $3,194,214 BHP BHP Group Limited 0.125 -7% -17% -55% -55% $203,361,959,615 KOR Korab Resources 0.025 -7% -29% -60% -62% $2,936,400 CLA Celsius Resource Ltd 0.425 -8% -1% -10% 47% $25,710,245 RLC Reedy Lagoon Corp. 0.024 -8% -8% -29% -37% $1,523,413 MOH Moho Resources 0.012 -8% 0% -27% -45% $3,369,864 MQR Marquee Resource Ltd 0.024 -8% 4% 14% -33% $5,829,381 LTM Arcadium Lithium PLC 0.12 -8% -29% -71% 0% $2,311,277,151 S2R S2 Resources 0.07 -8% 25% -14% -33% $33,058,633 TLG Talga Group Ltd 0.022 -8% -12% 16% 144% $188,759,824 GCM Green Critical Min 0.011 -8% -27% -48% -79% $12,399,096 EMT Emetals Limited 0.011 -8% 0% -21% -60% $4,250,000 DRE Dreadnought Resources Ltd 0.011 -8% 0% -21% -60% $56,291,250 TAR Taruga Minerals 0.016 -9% -30% 0% 45% $7,060,268 SYR Syrah Resources 0.265 -9% -27% -55% -62% $243,199,565 MRC Mineral Commodities 0.0105 -9% -25% -25% -65% $25,596,288 KAI Kairos Minerals Ltd 0.063 -9% -30% -37% -84% $39,463,683 ESR Estrella Res Ltd 6.915 -9% -10% -2% 3% $30,416,617 QXR Qx Resources Limited 0.02 -9% -5% -52% -43% $5,120,311 FGR First Graphene Ltd 0.01 -9% -17% 0% -17% $22,104,278 WIN WIN Metals 0.02 -9% -35% -43% -59% $9,558,293 WMG Western Mines 0.02 -9% -57% -51% -87% $14,901,438 IDA Indiana Resources 0.01 -9% -17% -57% 0% $66,766,484 ABX ABX Group Limited 0.01 -9% 0% 11% 0% $10,001,613 A11 Atlantic Lithium 0.2 -9% -17% -39% -58% $145,004,515 DEV Devex Resources Ltd 0.047 -10% -40% -30% -71% $46,377,520 CTM Centaurus Metals Ltd 0.795 -10% -4% -47% -46% $218,548,534 PVT Pivotal Metals Ltd 0.028 -10% -38% -53% -33% $8,307,521 CY5 Cygnus Metals Ltd 0.185 -10% 16% -14% -27% $57,016,353 THR Thor Energy PLC 0.009 -10% -18% -40% -74% $3,382,069 SLM Solismineralsltd 0.026 -10% -32% -28% -78% $6,729,697 BUX Buxton Resources Ltd 0.255 -11% -14% -9% -66% $11,897,066 HAS Hastings Tech Met 2.77 -11% 4% -34% -22% $46,110,664 XTC XTC Lithium Limited 1.95 -11% -24% -21% -35% $17,528,272 FG1 Flynngold 0.016 -11% -24% -58% -60% $7,839,494 ASR Asra Minerals Ltd 0.16 -11% 19% 23% -22% $6,756,339 MNS Magnis Energy Tech 0.46 -12% 15% -42% -58% $50,378,922 PSC Prospect Res Ltd 0.03 -12% -14% -49% -75% $53,742,033 HXG Hexagon Energy 0.033 -12% -20% -44% -50% $11,284,150 ICL Iceni Gold 0.051 -12% -36% -73% -72% $15,812,075 AQD Ausquest Limited 0.043 -12% -25% -46% -70% $8,439,478 CMO Cosmometalslimited 0.092 -12% -26% -60% -86% $2,488,865 NTU Northern Min Ltd 0.014 -13% -18% -18% -33% $160,685,107 RBX Resource B 0.007 -13% -30% -63% -22% $3,718,241 KOB Kobaresourceslimited 0.007 -13% 56% 100% -22% $12,209,244 EUR European Lithium Ltd 0.17 -13% 0% -28% -60% $36,351,189 ARR American Rare Earths 0.054 -13% -17% -46% -72% $138,166,407 LPD Lepidico Ltd 0.071 -13% -21% -24% -75% $17,178,371 INR Ioneer Ltd 0.1 -13% -33% -74% -60% $494,691,228 REC Rechargemetals 0.1 -13% 3% -47% -56% $3,631,939 RAS Ragusa Minerals Ltd 0.13 -13% -24% -55% -54% $1,996,383 BOA Boadicea Resources 0.0095 -14% 6% -53% -44% $2,960,468 NWM Norwest Minerals 0.067 -14% -21% 29% 168% $8,732,151 1MC Morella Corporation 0.006 -14% 0% -25% 0% $8,789,569 ENV Enova Mining Limited 0.006 -14% 140% 71% -25% $6,894,505 LNR Lanthanein Resources 0.076 -15% -42% 60% -20% $8,552,726 RXL Rox Resources 0.011 -15% -21% 22% -27% $66,388,190 LRV Larvottoresources 0.016 -16% -48% -65% -89% $184,229,256 LPM Lithium Plus 0.063 -16% 3% -48% -67% $15,940,800 LTR Liontown Resources 0.0025 -17% -17% -55% -69% $1,953,140,084 GSM Golden State Mining 0.03 -17% 0% 11% -57% $2,793,706 TEM Tempest Minerals 0.025 -17% -22% -67% -80% $3,763,619 PNT Panthermetalsltd 0.005 -17% 25% -17% -38% $4,942,321 LNR Lanthanein Resources 0.01 -17% -17% -52% -71% $8,552,726 L1M Lightning Minerals 0.05 -17% 2% 19% -86% $7,846,527 KGD Kula Gold Limited 0.048 -19% -6% -41% -51% $4,180,877 BYH Bryah Resources Ltd 0.017 -19% -47% -68% -91% $1,509,861 LIN Lindian Resources 0.029 -19% -19% -24% -68% $118,174,529 LKE Lake Resources 0.004 -20% -20% -60% -80% $81,644,922 SCN Scorpion Minerals 0.004 -20% 0% 0% 0% $4,913,474 1AE Auroraenergymetals 0.028 -20% -32% -57% -78% $10,922,888 SMX Strata Minerals 0.007 -22% 0% -30% -56% $4,579,564 KM1 Kalimetalslimited 0.021 -22% -22% -56% -66% $9,219,315 GRL Godolphin Resources 0.017 -23% -25% -68% -72% $4,743,168 DTM Dart Mining NL 0.003 -25% -40% -67% -85% $5,661,945 VUL Vulcan Energy 0.31 -25% 29% -44% -71% $1,170,532,912 ASO Aston Minerals Ltd 0.275 -26% -24% -50% -67% $11,655,578 PAT Patriot Lithium 0.26 -28% -37% -74% -75% $5,070,543 ODE Odessa Minerals Ltd 0.1 -29% -38% 0% -78% $7,609,695 SRL Sunrise 0.0035 -30% -30% -61% -61% $21,654,600 PRL Province Resources 0.001 -33% 0% -50% -68% $48,441,219 QPM Queensland Pacific 0.002 -33% -33% -60% -80% $113,453,049 MHK Metalhawk. 0.001 -33% 0% -52% -70% $27,180,901 Scroll or swipe to reveal table. Click headings to sort. Best viewed on a laptop. Weekly Small Cap Standouts WA1 Resources (ASX:WA1) The explorer has released more results from drilling at the Luni niobium deposit at its West Arunta project in WA, with assays to be added to a resource update next year. Luni currently hosts an inferred resource estimate of 200 Mt at 1.0% Nb2O5, including a high grade subset of 53 Mt at 2.1% Nb2O5. These latest results include: 19m at 2.4% Nb2O5 25m at 4.4% Nb2O5 21m at 2.1% Nb2O5 2m at 2% Nb2O5; and 34m at 1.5% Nb2O5. MD Paul Savich says the results from the north-east zone of the deposit further demonstrate the significance of one of the key high-grade areas at Luni. “This zone is currently planned to support our early development ambitions and will be an important part of the updated mineral resource estimate targeted for the first half of 2025,” he said. “Planning is well-advanced for next year’s field activities which will continue to focus on the collection of data that is critical toward technically de-risking Luni and expediting the permitting process.” The discovery saw the company awarded the coveted prize of the AMEC Prospector Award at a ceremony in early November. Nico Resources (ASX:NC1) The company’s Wingellina nickel cobalt project has this week been awarded Major Project Status by the Australian Government. It’s a move which recognises the national significance of the project and provides access to the Major Projects Facilitation Agency which will assist in the development of Wingellina. Wingellina hosts one of the world’s largest undeveloped oxide-type nickel-cobalt reserves, containing containing 1.56 million tonnes of nickel metal and 123k tonnes of cobalt metal. It’s also around 100kms from BHP’s West Musgrave nickel-copper project. A prefeasibility study completed in 2022 outlined a viable project capable of producing up to 40,000t of nickel and 3,000t of cobalt in a Mixed Hydroxide Precipitate (MHP) for at least 42 years. The MHP product contains essential critical minerals used in batteries and energy storage systems required for the global energy transition. The company expects production from the project to meet critical mineral demand for global decarbonization efforts. “Wingellina is one of the largest undeveloped nickel-cobalt projects globally and one of very few development opportunities for a major new nickel development outside of the Chinese-dominated Indonesian nickel industry,” MD Jonathan Shellabear said. “The industry has undergone a major structural shift in recent times and experienced significant changes in supply dynamics and pricing. “Notwithstanding the temporary challenges in the sector, if operating in the current environment, the Wingellina project would have survived the carnage that has enveloped much of the Western world’s nickel supply. “It is a matter of time before such a substantial deposit like Wingellina provides a long term stable and secure supply of nickel and cobalt.” Pantera Minerals (ASX:PFE) The company has abandoned the re-entry program at its southwest Arkansas lithium brine project in the US, after the collection of a brine sample via the re-entering of saltwater disposal well proved to be problematic. It was a cost-saving measure that didn’t quite work out to plan, so the drilling of the planned standalone well will now be brought forward to early 2025 to collect samples for assaying and direct lithium extraction testing. The well will then be converted into a future production or disposal well. PFE says this result in no way diminishes the value of the Pantera lithium brine project and in the meantime will continue to amass land in the Smackover formation, a hot spot for US lithium hunters such as Exxon Mobil (NYSE: XOM), Standard Lithium (NYSE: SLI), Equinor (NYSE: EQNR) Tetra Technologies’ (NYSE: TTI) and Albemarle Corporation (NYSE: ALB) chasing economic brine production from old infrastructure in the area which was historically mined for bromine. PFE currently holds > 26,000 net acres and 34,900 gross surface acres in the region. Originally published as High Voltage: Corporate activity revives weak ASX lithium market More related stories Stockhead What global markets can expect from Trump 2.0 As Donald Trump’s second term in the Oval Office looms, global markets face a seismic shift with opportunities and risks both firmly in play, writes Nigel Green. Read more Stockhead Rhythm raises $3.5m, eyes 2025 test launch Rhythm Biosciences has raised $3.5m and plans to commercialise the second generation of its bowel cancer blood test Colostat in 2025. Read more

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The Centre for Ageing Better said data analysed on its behalf suggested more than a fifth of people in this age group are living in a poor-quality home that could be making their existing health condition worse. It said people from black and minority ethnic backgrounds, those living in London and those who have a serious health condition or disability are more likely to be affected. Data from the English Longitudinal Study of Ageing covering 2022/23 was analysed by the National Centre for Social Research on behalf of the charity. It found an estimated 4.5 million people aged 50 or older in England with a health condition aggravated by the cold are living in a home with one or more serious problems. Some 2.8 million were aged between 50 and 70, while 1.7 million were aged 70 and older. Health conditions included respiratory diseases, congestive heart failure, heart disease and lung conditions, including asthma. Housing problems identified in the research included damp, water leaks, bad condensation, electrical or plumbing problems, rot and decay. While some 2.2 million people over 50 with health and housing problems owned their home outright, the biggest proportion of people (51%) with such issues lived in rented accommodation. The charity said older renters with a health condition were up to three times more likely to have five or more issues with their home than someone in the same age group who owns their home. Those with a health condition that can be affected by poor housing who had a significant issue in their homes were most likely to live in London (52%) followed by the North East (35%) and the North West (35%), the West Midlands and the East of England (both on 28%), and the South West (27%). Almost half (46%) of people aged 50 and above from black and minority ethnic backgrounds with one of the health conditions had at least one problem with their home, which the charity said amounted to almost 500,000 people. Among white people in this age group it was just under one in three (32%). The research also suggested people from black and minority ethnic backgrounds living with a health condition were also more than twice as likely to have five or more issues with their housing compared with their white counterparts – 15% compared with 6%. Dr Carole Easton, the charity’s chief executive, said not only does the research show the difficulties faced by those living in poor housing, but it is also “very bad news” for both the economy and the NHS. She said: “Our latest research shows that our poor-quality housing crisis is putting people with health conditions in their 50s, 60s and beyond, in harm’s way. “This is obviously terrible for those individuals who live in homes that carry a very real risk of making them sick, particularly when winter comes around. “But it is also very bad news for the country. Older workers living in homes that are making their health conditions worse are going to be less likely to be able to work and help grow the economy. “Older people whose serious health conditions are made worse by their homes will require treatment, putting additional winter pressures on our health system. “All could be averted if we tackled poor-quality housing with the urgency and priority it demands.” Holly Holder, deputy director for homes at the charity, said the Government must “fix this hidden housing crisis by delivering a national strategy to tackle poor quality housing across all tenures and committing to halving the number of non-decent homes over the next decade”. She added: “No-one should have to live in a home that damages their health, yet it is the norm for far too many people in England today. “By failing to address poor-quality homes we are limiting the lives of some of the country’s poorest and most vulnerable people. “Our new analysis shows that the combination of health and house problems are most likely to impact groups of people who are already disadvantaged by multiple health and wealth inequalities.” A Government spokesperson said: “Despite the challenging inheritance faced by this Government, through our Plan for Change we’re taking action to improve housing conditions across all tenures and ensure homes are decent, safe and warm – especially for the most vulnerable. “We’re consulting on reforms to the Decent Homes Standard next year to improve the quality of social and privately rented housing, and introducing Awaab’s Law to both sectors to tackle damp, dangerous and cold conditions for all renters in England. “Our warm homes plan will also help people find ways to save money on energy bills and deliver cleaner heating, with up to 300,000 households to benefit from upgrades next year.”Alabama flips RB Jace Clarizio from Michigan State

Share Tweet Share Share Email Predictive analytics, a subset of advanced analytics, uses statistical algorithms, machine learning techniques, and data mining to analyze historical data and make predictions about future outcomes. In finance, this approach has become a cornerstone for enhancing decision-making, reducing risks, and identifying opportunities. But how does predictive analytics contribute to financial health? And why is seeing the big picture crucial ? The Importance of Financial Health Financial health reflects the stability and sustainability of an individual, business, or economy. For individuals, it entails consistent income, manageable debt, and savings for future needs. For businesses, financial health involves maintaining profitability, ensuring liquidity, and managing risks effectively. Predictive analytics provides tools to assess, monitor, and improve these aspects by offering data-driven insights. Why Predictive Analytics Matters in Financial Management Proactive Decision-Making: Instead of reacting to financial issues, predictive analytics allows entities to anticipate and mitigate problems before they escalate. Risk Management: By analyzing historical patterns, businesses can identify potential risks and devise strategies to counteract them. Optimized Investments: Insights derived from predictive models can help optimize investment decisions, ensuring maximum returns. Key Applications of Predictive Analytics in Financial Health Credit Scoring and Risk Assessment Credit scoring is one of the most common applications of predictive analytics in finance. By evaluating historical borrowing and repayment data, predictive models can determine the likelihood of a borrower defaulting on a loan. Furthermore, This information helps lenders make informed decisions, minimizing potential losses. For example, financial institutions use machine learning models to evaluate creditworthiness by considering multiple factors, such as income, credit history, and spending habits. These models go beyond traditional credit scoring methods, providing a comprehensive risk profile for borrowers. Fraud Detection Financial fraud poses a significant threat to individuals and organizations alike. Predictive analytics plays a pivotal role in identifying unusual patterns that may indicate fraudulent activities. Machine learning algorithms analyze vast amounts of transactional data, flagging anomalies in real time. For instance, if a credit card is suddenly used in a different country or for unusually large purchases, predictive models can detect these anomalies and trigger alerts. This proactive approach enhances security and reduces financial losses. Portfolio Management Investors and portfolio managers rely on predictive analytics to make data-driven decisions. By analyzing market trends, economic indicators, and historical performance, predictive models provide insights into the future performance of assets. This enables better asset allocation, diversification, and risk management. For example, robo-advisors use predictive analytics to recommend personalized investment strategies based on an investor’s goals, risk tolerance, and financial situation. These automated tools make investing accessible and efficient. Cash Flow Forecasting Accurate cash flow management is vital for businesses to ensure liquidity and avoid financial crises. Predictive analytics helps companies forecast cash inflows and outflows by analyzing historical data, seasonal trends, and market conditions. This foresight allows businesses to plan expenditures, manage debts, and seize growth opportunities effectively. Personal Financial Planning Individuals can leverage predictive analytics for budgeting and long-term financial planning. In as much as, Tools like budgeting apps and financial planning software use predictive models to analyze spending habits and forecast future financial needs. These insights empower users to make informed decisions, save effectively, and achieve financial goals. The Role of Data in Predictive Analytics Data is the backbone of predictive analytics. Without accurate and comprehensive data, predictive models cannot deliver reliable insights. In financial health, data sources include: Historical Financial Data: Past transactions, income statements, and balance sheets provide the foundation for analysis. Market Trends: Economic indicators, stock market data, and industry trends help predict future scenarios. Behavioral Data: Insights into consumer behavior, such as spending habits and preferences , enrich predictive models. Challenges in Implementing Predictive Analytics Data Quality and Accessibility The accuracy of predictive models depends on the quality of data. Incomplete, outdated, or biased data can lead to flawed predictions. Additionally, accessing sensitive financial data often involves navigating complex privacy regulations and security concerns. Integration with Existing Systems Implementing predictive analytics requires integrating advanced tools with existing financial systems. This process can be challenging and time-consuming, especially for organizations with legacy systems. Expertise and Costs Building and maintaining predictive models demand skilled data scientists and significant investments in technology. Moreover, For smaller businesses or individuals, these costs can be prohibitive. Best Practices for Leveraging Predictive Analytics Define Clear Objectives Identify specific financial goals and align predictive analytics efforts with these objectives. Whether it’s reducing credit risks, improving savings, or optimizing investments, clarity in goals ensures effective implementation. Invest in Quality Data Ensure access to accurate, comprehensive, and up-to-date data. Implement robust data governance practices to maintain data integrity and compliance. Embrace Automation Automation simplifies predictive analytics processes, making them more accessible and efficient. Tools like artificial intelligence (AI) and machine learning can automate data analysis, model building, and insights generation. Monitor and Update Models Predictive models must evolve with changing market conditions and new data. Thus, Regular monitoring and updates ensure models remain relevant and reliable. Future Trends in Predictive Analytics for Financial Health The field of predictive analytics continues to evolve, driven by advancements in technology and increasing demand for data-driven insights. Key trends include: Integration with Artificial Intelligence AI-powered predictive analytics can process vast amounts of data at unprecedented speeds, uncovering deeper insights and enhancing accuracy. Additionally, AI-driven tools like natural language processing and deep learning are expected to revolutionize financial analytics. Real-Time Analytics Real-time predictive analytics enables faster decision-making by providing immediate insights. This capability is particularly valuable in volatile markets or fraud detection scenarios. Increased Accessibility As technology becomes more affordable, predictive analytics tools are becoming accessible to small businesses and individuals. Furthermore, This democratization of analytics empowers more users to benefit from data-driven insights. Conclusion Predictive analytics is transforming financial health by enabling proactive decision-making, enhancing risk management, and optimizing financial strategies. Additionally, By seeing the big picture, individuals and businesses can navigate uncertainties, seize opportunities, and achieve sustainable growth. While challenges exist, the future of predictive analytics in finance holds immense potential, promising greater accessibility, efficiency, and impact. Furthermore, Embracing this innovative approach is not just an option—it’s a necessity for thriving in an increasingly data-driven world. Related Items: Offload Real-Time Analytics , Predictive Analytics for Financial Health , Seeing the Big Picture Share Tweet Share Share Email Recommended for you Offload Real-Time Analytics from MongoDB Using Elasticsearch Comments