Before the algorithm, we watched ‘surprise TV’, and it can still offer unexpected delights | Emma Wilkins
If you’re in the market for tech items this holiday season, head on over to Amazon. The online retailer has a wide-variety of sales and limited-time offers designed to help you . Whether you’re shopping for a loved one or yourself, you can save big on items like . Here’s a look at six . $198 $348 Offered in black, blue and silver, these are currently 43% off. Equipped with Dual Noise Sensor technology, they have a battery life of up to 30 hours with quick charging. Touch sensor controls make for convenient usability, and precise voice pickup offers superior call quality by combining five built-in microphones. Some of the many other features include multipoint connection and adaptive sound control, as well as an updated design that offers long-lasting comfort. $139.99 to $199.99 $199.99 to $299.99 Compatible with both T-Mobile 5G and Verizon 5G, the is 44% off on the ink blue color ($139.99) for a limited time. Prices vary for the other colors, including sage green, midnight blue and pale lilac. Equipped with 128 GB, this smartphone has a fluid 6.6-inch display with multidimensional stereo sound. It also has a soft, fingerprint-resistant vegan leather back cover and a generous amount of built-in superfast storage. $149 to $199 $219.99 to $269.99 Choose from a variety of options with the — all currently on a limited-time deal. Available in 64 GB or 128 GB, this tablet is equipped with a large screen, making it a good choice for kids. Featuring quad speakers powered by Dolby Atmos, enjoy a plethora of storage for all your videos, games and files. You’re also able to see and use multiple apps at once, making for a pleasant user experience. $129 $179 For a limited time, the are 28% off. Available in chilled lilac, white smoke and black, these IPX-4-rated Bluetooth headphones offer 8.5 hours of listening. Designed for comfort and security, they’re equipped with three eartip and stability band sizes. Easy to use, these headphones offer hands-free, hassle-free switching between devices and keep you connected within up to 30 feet of your device. $199 $313.95 Currently 36% off, the is a steal. Equipped with a 1.12-inch screen, it has a 21-day battery life and is water-rated to 100 meters. Featuring built-in sports apps, you’re able to stay connected with smart notifications and Connect IQ compatibility that can be paired with your smartphone. Plus, you can even track your trips with the built-in three-axis compass and barometric altimeter, as well as multiple global navigation satellite systems. $129.99 $219.99 Right now, you can get the for 41% off. Bringing more than 20 hours of portable playtime on a single charge, this petite speaker also has an IPX4 water-resistant rating. Equipped with True Stereophonic — a form of multi-directional sound — you’ll get 360-degree sound and multi-host functionality that makes it easy to connect and switch between two Bluetooth devices. Music to your ears, get the sound you want by using the control knobs on the top panel to adjust to your liking. This article originally appeared on :
SS&C Signs Agreement with Insignia FinancialNone
OpenAI CEO Sam Altman plans to make a $1 million personal donation to President-elect Donald Trump’s inauguration fund, after other tech leaders pledged a similar amount. A spokesperson for OpenAI confirmed the donation Friday (Deember 13). The announcement follows similar contributions, including $1 million from Meta, the parent company of Facebook and Instagram, and a planned $1 million donation from Amazon. A spokesperson for Amazon confirmed Thursday evening that the e-commerce giant will also stream Trump’s inauguration on its Prime Video service. The streaming arrangement is considered an in-kind donation valued at an additional $1 million. “President Trump will lead our country into the age of AI, and I am eager to support his efforts to ensure America stays ahead," Altman said in a statement. Altman, who is embroiled in a legal dispute with rival Elon Musk, said he is “not that worried” about Musk’s growing influence within Trump’s administration. Tech leaders seek to strengthen ties Trump recently tapped Musk, the world’s richest person, and entrepreneur Vivek Ramaswamy to head the new Department of Government Efficiency, or DOGE. The advisory committee aims to work with government officials to reduce spending and regulations. The donations from Altman, Amazon and Meta show a broader push by tech companies to navigate a changing political landscape. The contributions come amid growing scrutiny of Silicon Valley’s influence and its role in shaping the future of artificial intelligence and innovation. Legal dispute between Altman and Musk Musk, a former OpenAI investor and board member, sued the artificial intelligence company earlier this year, accusing it of abandoning its mission of prioritising public benefit over profits. Musk has since escalated the lawsuit, asking a federal judge to block OpenAI’s transition to a for-profit model. Altman has publicly downplayed Musk’s influence, but the legal battle is a clear marker of a rift between two of the tech world’s most prominent figures. With tech companies like OpenAI, Meta, and Amazon making significant contributions, the intersection of technology and politics continues to evolve in the lead-up to Trump’s inauguration. With inputs from agencies
Commentary: US will leave a void in climate leadership. Can China fill it?Eagles clinch division title, Bills claim AFC second seed
Is the CFP bracket fair? Here are some tweaks that would have changed thingsNEW YORK – President-elect Donald Trump’s lawyers urged a judge again Friday to throw out his hush money conviction, balking at the prosecution’s suggestion of preserving the verdict by treating the case the way some courts do when a defendant dies. They called the idea “absurd.” The Manhattan district attorney's office is asking Judge Juan M. Merchan to “pretend as if one of the assassination attempts against President Trump had been successful,” Trump’s lawyers wrote in a blistering 23-page response. Recommended Videos In court papers made public Tuesday, District Attorney Alvin Bragg’s office proposed an array of options for keeping the historic conviction on the books after Trump’s lawyers filed paperwork earlier this month asking for the case to be dismissed. They include freezing the case until Trump leaves office in 2029, agreeing that any future sentence won't include jail time, or closing the case by noting he was convicted but that he wasn't sentenced and his appeal wasn’t resolved because of presidential immunity. Trump lawyers Todd Blanche and Emil Bove reiterated Friday their position that the only acceptable option is overturning his conviction and dismissing his indictment, writing that anything less will interfere with the transition process and his ability to lead the country. The Manhattan district attorney’s office declined comment. It’s unclear how soon Merchan will decide. He could grant Trump’s request for dismissal, go with one of the prosecution’s suggestions, wait until a federal appeals court rules on Trump’s parallel effort to get the case moved out of state court, or choose some other option. In their response Friday, Blanche and Bove ripped each of the prosecution’s suggestions. Halting the case until Trump leaves office would force the incoming president to govern while facing the “ongoing threat” that he’ll be sentenced to imprisonment, fines or other punishment as soon as his term ends, Blanche and Bove wrote. Trump, a Republican, takes office Jan. 20. “To be clear, President Trump will never deviate from the public interest in response to these thuggish tactics,” the defense lawyers wrote. “However, the threat itself is unconstitutional.” The prosecution’s suggestion that Merchan could mitigate those concerns by promising not to sentence Trump to jail time on presidential immunity grounds is also a non-starter, Blanche and Bove wrote. The immunity statute requires dropping the case, not merely limiting sentencing options, they argued. Blanche and Bove, both of whom Trump has tabbed for high-ranking Justice Department positions, expressed outrage at the prosecution’s novel suggestion that Merchan borrow from Alabama and other states and treat the case as if Trump had died. Blanche and Bove accused prosecutors of ignoring New York precedent and attempting to “fabricate” a solution “based on an extremely troubling and irresponsible analogy between President Trump" who survived assassination attempts in Pennsylvania in July and Florida in September “and a hypothetical dead defendant.” Such an option normally comes into play when a defendant dies after being convicted but before appeals are exhausted. It is unclear whether it is viable under New York law, but prosecutors suggested that Merchan could innovate in what’s already a unique case. “This remedy would prevent defendant from being burdened during his presidency by an ongoing criminal proceeding,” prosecutors wrote in their filing this week. But at the same time, it wouldn’t “precipitously discard” the “meaningful fact that defendant was indicted and found guilty by a jury of his peers.” Prosecutors acknowledged that “presidential immunity requires accommodation” during Trump’s impending return to the White House but argued that his election to a second term should not upend the jury’s verdict, which came when he was out of office. Longstanding Justice Department policy says sitting presidents cannot face criminal prosecution . Other world leaders don’t enjoy the same protection. For example, Israeli Prime Minister Benjamin Netanyahu is on trial on corruption charges even as he leads that nation’s wars in Lebanon and Gaza . Trump has been fighting for months to reverse his May 30 conviction on 34 counts of falsifying business records . Prosecutors said he fudged the documents to conceal a $130,000 payment to porn actor Stormy Daniels to suppress her claim that they had sex a decade earlier, which Trump denies. In their filing Friday, Trump’s lawyers citing a social media post in which Sen. John Fetterman used profane language to criticize Trump’s hush money prosecution. The Pennsylvania Democrat suggested that Trump deserved a pardon, comparing his case to that of President Joe Biden’s pardoned son Hunter Biden, who had been convicted of tax and gun charges . “Weaponizing the judiciary for blatant, partisan gain diminishes the collective faith in our institutions and sows further division,” Fetterman wrote Wednesday on Truth Social. Trump’s hush money conviction was in state court, meaning a presidential pardon — issued by Biden or himself when he takes office — would not apply to the case. Presidential pardons only apply to federal crimes. Since the election, special counsel Jack Smith has ended his two federal cases , which pertained to Trump’s efforts to overturn his 2020 election loss and allegations that he hoarded classified documents at his Mar-a-Lago estate. A separate state election interference case in Fulton County, Georgia, is largely on hold. Trump denies wrongdoing in all. Trump had been scheduled for sentencing in the hush money case in late November. But following Trump’s Nov. 5 election victory, Merchan halted proceedings and indefinitely postponed the former and future president’s sentencing so the defense and prosecution could weigh in on the future of the case. Merchan also delayed a decision on Trump’s prior bid to dismiss the case on immunity grounds. A dismissal would erase Trump’s conviction, sparing him the cloud of a criminal record and possible prison sentence. Trump is the first former president to be convicted of a crime and the first convicted criminal to be elected to the office.
Indiana coach Mike Woodson is happy that his team has won three straight games but concerned that it's committing too many turnovers. Limiting miscues is at the top of his wish list for Monday night's Big Ten Conference opener against visiting Minnesota in Bloomington, Ind. While the Hoosiers (7-2) shot 53.8 percent and dominated Miami (Ohio) 46-29 on the glass during a 76-57 win at home Friday night, they also had more turnovers (16) than assists (15). Having played for Bob Knight at Indiana, Woodson is fanatical about his team executing its offense without making mistakes. "We were taking chances on passes that weren't there," Woodson said. "We have to fix it. If we start Big Ten play like that, it puts you in a hole." In between careless mistakes, the Hoosiers got a huge game out of Oumar Ballo, the Arizona transfer who had 14 points, 18 rebounds and six assists. It was his 35th career double-double but his first at Indiana. Ballo (12.7 points per game, 9.3 rebounds) is one of four players averaging double figures for the Hoosiers. They're led by Malik Reneau, who's hitting for 15.4 ppg on 58.9 percent shooting. While Indiana tries to fine-tune its game, the Golden Gophers (6-4, 0-1 Big Ten) aim to get to the .500 mark in conference play after absorbing a 90-72 beating Wednesday night against visiting Michigan State. There was good news for Minnesota in that game. Mike Mitchell Jr. returned to the lineup after missing seven games with a high ankle sprain and drilled 5 of 9 3-pointers in a 17-point performance. Mitchell's shooting should aid an attack that ranks 311th in Division I in 3-point percentage at 29.7 percent as of Sunday. "He's a difference-maker in terms of being able to space the floor," Gophers coach Ben Johnson said of Mitchell. "He provides offensive firepower and a guy who can make shots and take pressure off our offense." Dawson Garcia leads the team at 19 ppg, while Lu'Cye Patterson and Mitchell are scoring 10 ppg. The Hoosiers own a 109-69 lead in the all-time series. --Field Level Media
Matt Gaetz says he won't return to Congress next year after withdrawing name for attorney generalLuxury cars have long symbolized status, sophistication and accomplished engineering. Although the average transaction price for a new vehicle in the United States is approximately $48,000 as of September, said you do not need a six-figure to get a luxury car. Most car manufacturers have produced luxury cars that cost less than $50,000, offering design, safety, and performance features that rival those of cars twice their price. . $42,000 to $52,520 The offers a smooth driving experience and a luxurious interior design, setting it apart from many cars of its class. With agile handling and sporting performance, this stands out among the best due to its attention to detail, primarily in its interior decoration. The G70 features quilted leather seats, available in red or tan, and extends to real aluminum and open-pore wood trims that exceed the car’s price tag expectations. The driver-centric cockpit puts every control at arm’s length to focus on comfort and accessibility. The beauty of this G70 is that it has an adaptive suspension system that smooths out bumps in Comfort Mode, or you can look for a sportier feel while driving in sport mode. This vehicle has a valet mode, a that locks access to personal data and system controls. Genesis’s outstanding warranty also ups the bar against which few other luxury brands can match. $42,040 to $52,330 The distinguishes itself from other cars with its quiet and serene driving experience. It has acoustical glass and extensive soundproofing materials inside the cabin, making it one of the quietest sedans in its class. The interior of the ES is super luxurious, as well. The seats are ergonomically designed and available with semi-aniline leather upholstery. Thanks to its remote touch interface, the 12.3-inch display is easy to use and highly responsive. One interior feature that stands out is the Mark Levinson surround-sound stereo, which turns the cabin into a concert hall with its crystal-clear audibility. Besides that, the Lexus ES also stands out in terms of safety features, including the standard Lexus Safety System Plus 2.5, pedestrian detection, lane tracing assist, and road sign recognition. The hybrid model’s excellent fuel economy — up to 44 MPG combined — is its biggest differentiator and alone would make this a fantastic option for environmental-conscious luxury buyers. $45,400 to $57,750 The is designed for sporting purposes, offering an unforgettable driving experience. It is long and low, with razor-sharp aesthetics that give the TLX an athletic feel. This sedan also has a super-handling, all-wheel drive (SH-AWD) system that improves cornering accuracy and overall stability, providing excellent performance and agility for a smoother driving experience. The Type S is a more powerful TLX with a turbo V6 with 355 horsepower. It also has an adaptive damper system that automatically adjusts the suspension depending on the driving conditions. Unlike many sedans in this price range, the TLX Type S also features performance-oriented Brembo brakes that allow faster braking. The interior of the TLX combines high-end materials with excellent technology. The driver-focused format utilizes a 10.2-inch display, True Touchpad Interface and available ambient lighting. $26,990 to $34,490 The redefines what is expected of the mid-size sedan market because of its daringly bold design and high-end features combined with its affordable price tag. Its exterior includes a bold “Tiger Nose” grille and dynamic LED headlight accents. With a fastback-inspired roofline, the K5 has a sporty, almost coupe-like silhouette that attracts attention. The interior of the K5 features ventilated front seats, a 10.25-inch infotainment touchscreen, and wireless charging. This GT-trimmed model combines a 290-hp engine with sport-tuned suspension, yielding performance comparable to . The K5 has advanced safety features, such as driving assist and forward collision avoidance, which is impressively complete for its class. The K5 carries a 10-year/100,000-mile powertrain warranty that outclasses most . $26,650 to $36,400 The technological and innovative structuring of the is near unbeatable at its price point. It features a remote smart parking assist, which enables the car to take control while parking in congested areas and allows you to operate everything from outside with your key fob. The interior of the Sonata surprises with its clean, thoroughly modern design and high-end materials. A 12.3-inch digital instrument cluster with a customizable display is available. The Sonata Hybrid has a first-in-class solar roof panel, providing an extended driving range from that roof. Combined with all these eco-friendly features, the hybrid model has 52 mpg in fuel efficiency. Hyundai cares about safety thanks to features like blind-spot view monitors and a surround-view camera system. Seeing how well the Sonata balances advanced technologies with everyday practicality is impressive for a car of this class. $43,010 to $50,175 The stands out among competitors by offering fastback styling and premium European design. The exterior of the Arteon is sleek, with features like frameless windows and an excitingly sculptured grille. The design of the Arteon is not just for aesthetics alone. It has an aerodynamic shape that enhances fuel efficiency and helps reduce internal wind noise. The interior of the Arteon features a spacious cabin with unique touches, such as massaging driver’s seats and available customizable ambient lighting. The 10.25-inch virtual cockpit offers crisp, configurable displays and Kardon premium audio for an immersive experience. The Arteon is, in fact, reasonably practical despite it being luxurious. Its liftback design allows for over 27 cubic feet of cargo space, which is far more spacious than most sedans and a lot of SUVs offer. This mix of luxury, practicality and performance makes the Arteon a solid choice for serious buyers. This article originally appeared on :
PRESS RELEASE Arcueil, December 9, 2024 Declaration of transactions on own shares conducted from December 2 to December 6, 2024 Within the framework of the authorizations granted by the General Assembly on February 9, 2024, to operate on its shares and in accordance with the regulations related to share buybacks, Aramis Group hereby declares the following purchases of own shares (FR0014003U94) made from December 2 to December 6, 2024 (excluding the liquidity contract): *** About Aramis Group - www.aramis.group Aramis Group is the European leader for B2C online used car sales and operates in six countries. A fast-growing group, an e-commerce expert and a vehicle refurbishing pioneer, Aramis Group takes action each day for more sustainable mobility with an offering that is part of the circular economy. Founded in 2001, it has been revolutionizing its market for over 20 years, focused on ensuring the satisfaction of its customers and capitalizing on digital technology and employee engagement to create value for all its stakeholders. With annual revenues of more than €2 billion, Aramis Group sells more than 110,000 vehicles B2C and welcomes close to 70 million visitors across all its digital platforms each year. The Group employs more than 2,400 people and has eight industrial-scale refurbishing centers throughout Europe. Aramis Group is listed on Euronext Paris Compartment B (Ticker: ARAMI - ISIN: FR0014003U94). Investor contact Alexandre Leroy Head of Investor Relations, Financing and Cash Management [email protected] +33 (0)6 58 80 50 24 Attachment Press release - ARAMIS GROUP - Declaration of transactions on own shares conducted from Dec 2 to Dec 6, 2024Stimulation or stagnation?
EAGAN, Minn. (AP) — Justin Jefferson might be weary of all the safeties shadowing his every route, determined not to let the Minnesota Vikings go deep, but he's hardly angry. The double and triple coverage he continually faces, after all, is a sign of immense respect for his game-breaking ability. The strategy also simply makes sense. “I would do the same," Jefferson said. "It’s either let everybody else go off or let Justin go off. I’m going to let everybody else go off. That would be my game plan.” When the Vikings visit Chicago on Sunday, they're expecting the usual heavy dose of split-safety coverage designed to put a lid on the passing attack and force them to operate primarily underneath. “We see that every week: Teams just have different tendencies on film, and then when we go out on the field they play us totally different,” Jefferson said, later adding: “I don’t really feel like anyone else is getting played how I’m getting played.” Jefferson nonetheless is second in the NFL in receiving yards (912) behind Cincinnati's Ja'Marr Chase, his former college teammate at LSU. Last week, Jefferson set yet another all-time record by passing Torry Holt for the most receiving yards over the first five seasons of a career. Holt logged 80 regular-season games and accumulated 6,784 yards for St. Louis. Jefferson has 6,811 yards — in just 70 games. “I want to go up against those single coverages. I want to go have my opportunities to catch a deep pass downfield, just one-on-one coverage, like a lot of these other receivers get," Jefferson said. "It’s definitely difficult going up against an extra person or an extra two people, but it is what it is and the concepts that we’re drawing up and the ways that we’re trying to get me open, it definitely helps.” With fellow tight end Josh Oliver ruled out of the game on Sunday because of a sprained ankle, T.J. Hockenson is certain to have his heaviest workload since returning from knee surgery four weeks ago. He's also certain that Jefferson will continue to see persistent double-teams. “It puts it on us to make some plays and do some things to get them out of that,” Hockenson said. Vikings coach Kevin O'Connell has been forced to dig deeper into the vault of play designs and game plans to help keep quarterback Sam Darnold and the offense on track. O'Connell said after Minnesota's 12-7 win at Jacksonville, when Darnold threw three interceptions to precipitate a safer strategy down the stretch, that he superseded his play-calling role with the wisdom of a head coach to help win that game. "Not just the egomaniac of wanting to score points and constantly show everybody how smart we are. There was a mode that I think you have to go into sometimes to ensure a victory,” O'Connell said on his weekly show on KFAN radio. Taking what the defense gives is usually the shrewdest strategy. “You’ve got to really implement some new things and some things that maybe you didn’t come across during your early coaching years whether as a coordinator or position coach or even when you’re responsible for a small area of the game plan as a younger coach," O'Connell said. "You really have to kind of look outside the lens of always what you see on tape.” AP NFL: https://apnews.com/hub/NFLNone
Incumbent Board has Destroyed Stockholder Value and Imperiled AIM’s Future through Breaches of Fiduciary Duty and Bad Faith Actions Stock Price has Declined by More than 99%, Clinical Strategy has Failed and AIM is on the Brink of Insolvency Act Now to Save AIM Before it is Too Late – The Kellner Group Can Turn AIM Around and Finally Start Creating Value for Stockholders Vote “ FOR ” All Four Kellner Group Nominees for Urgently Needed Change Kellner Group Owns 5.04% of Outstanding Shares and is Fully Aligned with Stockholders NEW YORK, Dec. 13, 2024 (GLOBE NEWSWIRE) -- Dear AIM Stockholders: Ted Kellner, as the nominating stockholder and a nominee, together with his other nominees, Todd Deutsch, Robert L. Chioini and Paul W. Sweeney (collectively, the “Kellner Group,” “we” or “us” and, as nominees, the “Kellner Group Nominees”), are issuing this open letter to stockholders regarding the 2024 Annual Meeting of Stockholders of AIM ImmunoTech Inc., a Delaware corporation (“AIM” or the “Company”), to solicit your vote to elect each of us to AIM’s Board. We urge you to carefully read our proxy statement and our subsequent communications because they contain important information. Our proxy statement and our other communications are available at https://okapivote.com/AIM/ . Substantial and Immediate Overhaul of the AIM Board is Critical The urgent need for drastic, immediate transformation within the AIM Board is indisputable. Each of the three leading independent proxy advisory firms have acknowledged this in recommending for the election of Mr. Kellner. Two of the three firms acknowledged that the incumbent Board cannot remain in control and recommended for the election of both Mr. Kellner and Mr. Sweeney and against Mr. Equels. 1 Incremental change would be wholly inadequate in this situation. This is not a case of competing visions or differing opinions on AIM’s strategic direction. The incumbent Board has no vision for AIM’s future and no coherent strategy to move the company forward. The scale of value destruction under the incumbent Board’s leadership, combined with their blatant breaches of fiduciary duties (as found by the Delaware Supreme Court), unethical actions, and brazen disregard of stockholders and corporate governance norms, is unprecedented. We urge you to take decisive action by voting on the Gold card for all of the Kellner Group Nominees. The Incumbent Board has Completely Failed and Destroyed Stockholder Value The incumbent Board has controlled AIM for almost nine years since 2016 and failed epically, and dating back even further, Equels (16 years on the Board), Mitchell (26 years on the Board) and Appelrouth (13 years on the Board and consulting) each played a central role in leading AIM down the path of failure and value destruction. 4 When given the opportunity to show they could be responsive to stockholders and fulfill their promise to appoint two new independent directors, the incumbent Board failed yet again. Instead, they appointed Bryan – hand-picked by Equels, without an independent search firm, based solely on a pre-existing relationship with AIM and Equels. This appointment was rubber-stamped by Mitchell and Appelrouth, and Bryan has predictably fallen right in line with their failed leadership. 5 ISS accurately noted that “AIM shareholders did not get an independent voice they were hoping for with Bryan’s appointment.” 6 This is just another example of the incumbent Board’s consistent failure to act in the best interest of stockholders. The following two facts demonstrate beyond question the utter and complete failure of the incumbent Board: AIM’s stock price has declined by over 99% since 2016 when Equels became CEO and Equels, Mitchell and Appelrouth took control of the Board . 7 AIM’s financial condition has deteriorated to the point of functional insolvency, with substantial doubt about its ability to continue as a going concern, insufficient stockholders’ equity to comply with NYSE American listing standards and a lack of viable financing options . 8 The manner in which the incumbent Board brought AIM to this very dire position is even more troubling: They have utterly failed to advance AIM’s clinical program . 9 They have failed to bring a single trial to completion and failed to achieve any FDA approvals. The incumbent Board has consistently neglected to invest in R&D for Company-sponsored clinical trials, and there is no clear strategy or follow-through. Instead, they shift focus aimlessly, chasing fleeting publicity with press releases that are empty of substance, while neglecting to drive trials to completion, secure approvals, or pursue commercialization with any sense of urgency. They delivered zero material process on any of the key clinical indications of Ampligen, failing to advance even a single company-sponsored study to completion. The incumbent Board attempts to hide their failures behind a veil of opacity, but the truth is unmistakable: a stalled program with no direction or visibility or timeline to approvals or revenues. This lack of transparency is, in effect, the only “strategy” the incumbent Board has for its clinical program – and it is failing. They have wasted funds on compensation and unethical litigation to entrench themselves and overseen massive, and increasing, losses . 11 Net losses have totaled over $120 million since 2016 and have accelerated. This is driven by increased G&A, increasing by 2.5x from 2021 to 2023, to support excessive compensation and unethical entrenchment efforts. G&A has been approximately double R&D in recent periods, a totally inappropriate and irresponsible ratio for a clinical stage biotech firm. The incumbent Board, with an average tenure of over 10 years, has not only violated their fiduciary duties but has also shamelessly paid themselves excessive compensation while the stock price has plummeted to less than a quarter. Their failure to act in the best interests of stockholders has directly contributed to the destruction of value, enriching themselves at the expense of AIM’s future. Their corporate governance practices have been abysmal, demonstrating a complete failure of leadership and accountability . 13 These practices include (1) ignoring the will of stockholders by completely disregarding three consecutive failed “say-on-pay” votes, with no meaningful action taken to address the overwhelming disapproval of their compensation practices, (2) making hollow promises to add two new independent directors and review executive compensation, only to betray stockholders by appointing a pre-selected, hand-picked director with deep ties to AIM and Equels, bypassing any independent search process, then engaged the same compensation consultant that had previously recommended excessive pay to conduct a shallow, self-serving review, (3) maintaining a non-stockholder approved poison pill for over 25 years, a blatant disregard for stockholder rights that continues to entrench their control and harm AIM’s long-term value; and (4) launching an aggressive and harmful campaign against stockholders, relentlessly attacking those who seek change and severely damaged the Company financially and strategically and disenfranchised its stockholders. They have violated their fiduciary duties and conducted an egregious self-interested entrenchment campaign that has results in massive waste and destroyed virtually all stockholder value. 16 The Delaware Supreme Court ruled in 2024 that the incumbent Board breached its fiduciary duties. In describing the Board’s adoption of amended bylaws, the court stated that the “ primary purpose was to interfere with Kellner’s nomination notice, reject his nominees, and maintain control ” and that the bylaws were “ product of an improper motive and purpose, which constitutes a breach of the duty of loyalty .” 17 (emphasis added) This illegal behavior by the AIM Board was not an isolated incident. A federal district court in Florida sanctioned AIM and its counsel in 2024 in its Section 13(d) claims against members of the Kellner Group and others – claims that have been dismissed multiple times – for pursuing arguments that were “factually and legally frivolous and advanced for an improper purpose .” 18 The cost of these bad faith actions has been staggering and directly and severely harmed the Company. We estimate the incumbent Board spent between $15 to $20 million in the past two-plus years in pursuit of its self-interested entrenchment campaign . 19 The purpose of this waste was to prevent a meaningful stockholder vote – to deprive stockholders of their basic right to have a say in who represents them on the Board. Now that the incumbent Board has exhausted litigation options to prevent a vote, they have attempted to pad the vote by awarding fully vested shares to executives before the record date, as an advance on future pay – something there is no rational justification for and is a clear continuation of their bad faith and improper purpose. This is shocking and unconscionable behavior – blatantly putting their own self-interest ahead of the Company and its stockholders – to a degree that we have never seen before. The Kellner Group Nominees are the Only Viable Path to Rescue, Rebuild and Revive AIM Collectively, the Kellner Group Nominees will bring a wealth of business, financial, clinical trial, life science and corporate governance experience and much needed credibility to the Board. The incumbent Board does not have the skill set that the Kellner Group does and has no plan to change course . Against all reason, despite overwhelming evidence of their incompetence, and unethical and self-serving actions, they simply ask stockholders to place blind trust in them and their same empty promises that progress is right around the corner. But after nearly nine years of treating AIM like their personal piggy bank, the incumbent Board’s complete and total failure is indisputable. Faced with this harsh reality, they have resorted to attacking us with misleading narratives and outright lies to divert attention from their own disastrous and self-serving record. Here is the undeniable truth: Mr. Kellner and Mr. Deutsch are two of AIM’s largest and long-standing stockholders. We have invested a significant amount in AIM and our sole motivation is to improve performance and create value for all stockholders. We are fully aligned with stockholders and committed to their success . The false narrative being pushed by the incumbent Board – suggesting Mr. Kellner is motivated by personal financial gain to seek reimbursement or will exploit company resources – could not be further from the truth. These claims are completely divorced from reality. Mr. Kellner has spent decades building his business reputation as a trusted investment fiduciary, and this reputation is a testament to his integrity and commitment to the best interests of the investors. All of the Kellner Group Nominees are committed to acting as responsible fiduciaries, focused on financially stabilizing AIM and creating value for all stockholders. This stands in stark contrast to the incumbent Board members, who have egregiously violated their fiduciary duties by prioritizing their own self-interest, resulting in gross waste and destructive value erosion. Similarly, the incumbent Board’s deceitful misrepresentations of settlement discussions is nothing more than bad faith, deliberate attempt to mislead and distort facts. These discussions are a direct result of the incumbent Board’s unlawful entrenchment efforts and involve numerous lawsuits and people unrelated to the Kellner Group. Mr. Kellner remains fully committed to AIM and to using his resources and network to create value if the Kellner Group Nominees are elected . Mr. Kellner and Mr. Sweeney have been transparent about their business relationship – it was disclosed in detail in our proxy statement and Mr. Kellner’s notice. 21 They have long and proven track records of successful investing and running businesses, earning them the trust of their respective investors through exceptional performance and responsible stewardship over many years. Their demonstrated success is a significant strength of our slate and exactly the kind of leadership AIM desperately needs to address its desperate financial situation and secure its successful future. There are absolutely no third parties involved in our efforts that have not been publicly disclosed. None of the participants in our solicitation have any criminal history whatsoever. The incumbent Board’s claims that criminals are involved in the Kellner Group are completely baseless, desperate and outright false . But the incumbent Board needs to look in the mirror – AIM continues to utilize and pay a CRO that was co-founded by a convicted felon, recently convicted of securities fraud related deceiving investors about FDA submissions. This individual was quoted in several AIM press releases in recent years, including promoting clinical progress that did not occur. The parallels are extremely troubling. AIM also resorted to seeking usurious financing from an individual whom the SEC labeled a “recidivist violator of the federal securities laws.” AIM also grossly mischaracterizes Mr. Chioini’s history at Rockwell Medical. Mr. Chioini founded Rockwell and served as CEO for 23 years, and under his leadership became the 2nd largest dialysate supplier in the US with four manufacturing facilities and 330 employees, executed multiple large clinical trials that resulted in multiple FDA approvals, commercialized products, obtained funding through multi-million dollar licensing deals with large pharmaceutical firms and built a business that had a market cap of almost $1.0 billion at its peak. Since Mr. Chioini left Rockwell in 2018, the stock price has declined significantly, losing approximately 95% of its value (Nasdaq: RMTI). AIM also continues to willfully and falsely insist that Mr. Chioini was fired, despite a public record that clearly disproves this claim, including the incumbent Board sitting through a trial that directly dispelled this claim. The truth is that he reached a settlement agreement that resulted in a significant payment to him after a dispute with conflicted board members involving whistleblower retaliation claims made by both him and Rockwell’s former CFO. The incumbent Board’s deliberate misrepresentation of these facts is an outright distortion of the truth, further reflecting their pattern of dishonesty. None of the successes Mr. Chioini achieved at Rockwell have materialized at AIM under the incumbent Board’s leadership, so his proven ability to drive growth, secure FDA approvals, and create value is exactly what AIM urgently needs to turn things around and deliver meaningful results for stockholders. The degree of dishonesty that we have seen from the incumbent Board is staggering . As just one example, they shamelessly attempted to deceive stockholders that the AIM stock price did not decline by over 99% by displaying a 2016 document referencing an unadjusted stock price that did not account for subsequent 1-for-528 reverse stock splits. When we pointed out this blatant misrepresentation, they had the audacity to call us liars. This kind of behavior is not only bizarre, but it shows you can’t believe anything these say – it is like the pot calling the kettle black, and then claiming the sky is not blue. This is their consistent approach – their entire campaign against us revolves around attacking our qualifications, characters, motivations and relationships. But none of it is based in reality whatsoever and it is an intentional, brazen attempt to mislead stockholders and distract from the incumbent Board’s catastrophic failures. The reality is simple: Nothing from the incumbent Board should be trusted . Our Plan will Create Value for Stockholders The Kellner Group is committed to implementing a bold, focused, responsible plan to reverse AIM’s downward trajectory by stabilizing its financial situation, revitalizing its clinical program and restoring real value to stockholders. First and foremost, the Kellner Group will stabilize AIM and ensure it has the financial resources required to continue operations. It is imperative that AIM raise substantial funding in a sustainable way given the catastrophic damage the incumbent Board has inflicted on the Company’s financial health. The Kellner Group Nominees have each successfully raised significant capital, and collectively, have raised over $1.0 billion in investment capital over the years. We have the resources, networks, and credibility to successfully raise the necessary funds and provide the essential runway to finally create value for stockholders and invest in the future of Ampligen. In stark contrast, the incumbent Board simply does not have the credibility, expertise, networks and resources to secure the capital that AIM desperately needs. The incumbent Board’s financing efforts have been disastrous – extremely dilutive and reliant on ATMs, equity lines and excessive warrant coverage. 22 They have failed to secure long-term financing, leaving AIM burdened with massive overhang that has only driven down the stock price. When they have raised capital, they squandered it on self-serving entrenchment efforts, and wasteful G&A and compensation, rather than on meaningful and strategic clinical efforts. 23 The Kellner Group Nominees will draw on their decades of collective experience in generating value for investors, and the trust, credibility and relationships they have built over the years, to attract long-term investment to AIM. We will direct that funding into a sharply focused clinical program. By being transparent with stockholders about AIM’s clinical program and setting clear, achievable goals and timelines, we are confident we can rebuild investor trust of investors and continue to attract capital. The contrast with the incumbent Board could not be more glaring. Once AIM’s financial condition stabilized, the Kellner Group Nominees will take decisive action and implement their plan to revitalize AIM’s clinical program. We will conduct a comprehensive review of the available data on Ampligen, as well as the status of the various ongoing and past trials. This work will begin immediately and will proceed with the urgency it deserves. We will collaborate with AIM’s existing personnel, but will also bring in outside experts in oncology and other relevant fields to ensure AIM’s success. We bring a vast and powerful network of scientific and industry expertise, forged through Mr. Chioini’s extensive career in biotech and pharmaceuticals and Mr. Kellner’s leadership on numerous boards, including the Wisconsin Medical College Board. This network will be instrumental in driving AIM’s turnaround and ensuring its success. Even more compelling, in the past week, we announced the full support of the co-inventor of Ampligen and former CEO of AIM, Dr. Carter, and another former AIM executive, Mr. Springate. Both of these individuals reached out to us due to their deep experience with AIM and Ampligen and their desire to help us deliver the fundamental change AIM so urgently needs. These powerful endorsements underscore the credibility and trust that our team has within the industry and further validates our plan to turn AIM around. This is clear indication that our group has the proven ability to attract the right people, with the right expertise, to collaboratively and effectively work toward turning AIM around and generating meaningful, long-term value for stockholders. The pillars of our clinical program will be as follows: ME/CFS – We will assess whether initiating another Phase 3 trial is viable in the near term, based on the FDA's feedback from 2013. This could potentially accelerate progress and bring us closer to commercialization. Alferon N – We will evaluate the feasibility of restarting production and commercialization of this FDA-approved product, which could generate revenue and strengthen our financial position. Ampligen in Argentina – We will examine whether regulatory and operational efforts can be expedited to launch commercial sales, potentially creating meaningful revenues in the short term. Lastly, but by no means least, we will implement governance reforms and investor outreach that have been completely absent under the incumbent Board. The incumbent Board has not only utterly failed to establish an effective governance structure, but has fostered a toxic, dysfunctional environment marked by unethical conduct, disloyalty to the Company, a constant financial crisis, missed opportunities, and gross mismanagement. Their actions have created a culture of neglect and self-interest that has left AIM in a state of perpetual instability and underperformance. We are committed to making the necessary changes, starting immediately: Board Composition and Independence . We will identify and appoint an additional independent director, with a focus on finding a candidate with no prior history with AIM, with scientific or other relevant expertise, and with a diverse background that reflects a forward-thinking perspective. Compensation Overhaul . We will engage a new, independent compensation consultant to completely restructure AIM’s compensation practices. Our focus will be on slashing guaranteed compensation, reducing executive and director fixed and cash pay, and implementing a performance-driven incentive-based compensation structure with objective performance measures. Poison Pill Review . Review AIM’s poison pill, which has been in effect for almost 25 years without stockholder approval, with consideration of putting it to a stockholder vote if it will be maintained long-term. Investor Communications. Initiate outreach in a transparent manner to stockholders and new investors to tell our story and keep them informed. Unlike the incumbent Board, we will not make empty promises – we will deliver on these critical commitments overhaul the governance structure at AIM to ensure transparency, accountability and long-term stockholder value. The incumbent Board has destroyed stockholder value and imperiled AIM’s future through breaches of its fiduciary duties and bad faith conduct. Stockholders must act now to save AIM before it is too late. We urge stockholders to vote “ FOR ” all four Kellner Group Nominees for urgently needed change. We believe that if the Kellner Group Nominees are elected, AIM’s future will be bright and we stand ready and able to lead a turn around and create value for all stockholders. But if the Kellner Group Nominees do not control the Board, stockholders can expect more of the same value destruction and self-dealing from the incumbent Board and we fear that AIM will have no future at all. Thank you for your support and consideration. The Kellner Group THE KELLNER GROUP URGES ALL STOCKHOLDERS TO VOTE ON THE GOLD PROXY CARD TODAY TO ELECT TED D. KELLNER, TODD DEUTSCH, ROBERT L. CHIOINI AND PAUL SWEENEY If you have any questions, require assistance in voting your GOLD proxy card, or need additional copies of the Kellner Group’s proxy materials, please contact Okapi Partners at the phone numbers or email address listed below. Please also visit https://okapivote.com/AIM/ for additional information. Contact: Okapi Partners LLC 1212 Avenue of the Americas, 17th Floor, New York, New York 10036 Stockholders may call toll-free: (844) 343-2621 Banks and brokers call: (212) 297-0720 Email: info@okapipartners.com Important Information and Participants in the Solicitation The Kellner Group has filed a definitive proxy statement and associated GOLD proxy card with the Securities and Exchange Commission (“SEC”) to be used to solicit votes for the election of its slate of highly-qualified director nominees at the upcoming annual meeting of stockholders of AIM. Details regarding the Kellner Group nominees are included in its proxy statement. THE KELLNER GROUP STRONGLY ADVISES ALL STOCKHOLDERS OF AIM TO READ THE PROXY STATEMENT AND OTHER PROXY MATERIALS AS THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION. Information regarding the identity of participants in the Kellner Group’s solicitation, and their direct or indirect interests, by security holdings or otherwise, is set forth in the Kellner Group’s proxy statement and additional proxy materials filed with the SEC. Stockholders can obtain a copy of the proxy statement, and any amendments or supplements thereto and other documents filed by the Kellner Group with the SEC for no charge at the SEC’s website at www.sec.gov . Copies will also be available at no charge at the following website: https://www.okapivote.com/AIM . Investors can also contact Okapi Partners LLC at the telephone number or email address set for the above. _____________________________________________ 1 The third proxy firm, Glass Lewis, did not meet with us. 2 Permission to use quotations from ISS was neither sought nor obtained. 3 Permission to use quotations from Egan-Jones was neither sought nor obtained. 4 See the definitive proxy statement filed by the Kellner Group with the Securities and Exchange Commission (the “SEC”) on November 6, 2024 (the “Proxy Statement”), pg. 17. 5 See the Proxy Statement, pg. 17. 6 Permission to use quotations from ISS was neither sought nor obtained. 7 See the Proxy Statement, pg. 13. 8 See the Condensed Consolidated Balance Sheets included in the Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2024 filed with the SEC on November 14, 2024 (the “2024 Third Quarter 10-Q”). 9 See the Proxy Statement, pg. 16; see also Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021, filed with the SEC on March 31, 2022; the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022, filed with the SEC on March 31, 2023; and the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, filed with the SEC on April 1, 2024. 10 Permission to use quotations from ISS was neither sought nor obtained. 11 See the Proxy Statement, pg. 17; see also the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2024 filed with the SEC on August 14, 2024; and the Condensed Consolidated Balance Sheets included in the 2024 Third Quarter 10-Q. 12 Permission to use quotations from ISS was neither sought nor obtained. 13 See the Proxy Statement, pgs. 17-18. 14 Permission to use quotations from ISS was neither sought nor obtained. 15 Permission to use quotations from Egan-Jones was neither sought nor obtained. 16 See Proxy Statement, pgs. 8-11. 17 Emphasis added. 18 Emphasis added. 19 Represents Kellner Group estimate based on increase in Company’s G&A expense from 2021 to 2023 and explanations provided as disclosed in AIM’s Annual Reports on Form 10-K for past two years, together with continued elevated G&A expenses in 2024 to date as disclosed AIM’s most recent Quarterly Report on Form 10-Q. 20 Permission to use quotations from Egan-Jones was neither sought nor obtained. 21 See Proxy Statement, pg. 11 and Schedule 13D/A filed by the Kellner Group on September 11, 2024, Exhibit 99.1. With no basis whatsoever, the incumbent Board has tried to claim that this relationship was not fully disclosed. Once proxy advisory firms began recommending for the election of Mr. Kellner and Mr. Sweeney, the incumbent Board leaned into this allegation that was fabricated out of whole cloth in an attempt to question their characters and deceive stockholders. Rather than honestly explain to stockholders why they believe this successful investing relationship would not be beneficial, which they could have done when it was fully disclosed in detail in the notice months ago, the incumbent Board resorts to craven dishonesty and spins false narratives. It is their modus operandi and they have done it throughout this proxy contest and their self-interested entrenchment campaign. 22 See the Proxy Statement, pgs. 15-16. 23 See the Proxy Statement, pgs. 16-18.Emma Logan has launched a new bespoke marketer consultancy, The Emma Logan Project , aimed at serving the needs and unlocking the potential of CMOs and their team. The former AANA director of member engagement said over the past 12 months, she has seen a very clear need among senior marketers for assistance on both team and individual levels. “Marketing is in a massive transition,” Logan said. “From technology and AI to data, climate change, social demographics, and politics. CMOs hold one of the most multifaceted roles in any business today and have the chance to make a meaningful impact and shape a more sustainable and equitable society.” “Marketers are more stretched than ever. In the past year, countless marketers have turned to me for support—whether it’s a team strategy day or collaborating on key projects. It’s clear we’re addressing a critical gap in the market. While marketers tirelessly promote their brands, they often overlook a vital element: building the personal brands of their leaders. Strong executive brands are essential for fostering trust, attracting opportunities, and positioning businesses.” Logan added: “The Emma Logan Project is about helping marketers become the kind of leaders who attract and retain top talent. It’s about redefining what it means to be a magnetic marketing leader. Whether it’s a marketer looking to build their executive marketing brand or a CMO aiming to elevate their team’s impact — and, in turn, drive exceptional business outcomes — my goal is to help them succeed.” The Emma Logan Project offers a suite of bespoke services tailored to CMOs and their teams, focusing on leadership development and team empowerment. Logan has already begun collaborating with marketing teams, including foundation client T garage, an insights and research consultancy. Jed Simpfendorfer , director of strategy, met Logan when he was the CMO of Carman’s. “Partnering with The Emma Logan Project has been a total game-changer for us,” Simpfendorfer said. “Emma gets us—our goals, our challenges—and she brings a fresh perspective that’s taken our approach to the next level. Her industry know-how and network is so impressive. She’s opened doors we didn’t even know existed! And in such a short time, the results speak for themselves. Emma’s not just a partner; she’s become an essential part of our team.” On the consultancy’s name, Logan shared: “I credit the name to my father, who for the past year has been asking: ‘How’s The Emma Logan Project?’. He knew that I was on a journey of restoring my passion for what I do and getting my sparkle back. “A journey that he aptly referred to as ‘The Emma Logan Project’. When it came time to decide on a name for my new business, I went back and forth on a few different options that didn’t feel quite right. I then realised it had been right in front of me the whole time – the perfect representation of everything my business is.”
By Abby Badach Doyle, NerdWallet It won’t be impossible to buy a house in 2025 — just be prepared to play on hard mode. According to a November 2024 report from ICE Mortgage Technology, the monthly principal and interest payment on an average-priced home is $2,385. While that’s not the highest it’s ever been, it’s still a sharp increase — nearly 80% — from just three years ago. In November 2021, when mortgage rates averaged 3%, the monthly principal and interest on an average-priced home was $1,327 per month. So here’s the key to buying in 2025: Look ahead, not back. Regret won’t help you budget for today’s new normal. And with this year’s election also in the rearview mirror, so is some uncertainty among buyers and sellers that historically slows the market during every presidential election cycle. “People have just been kind of sitting waiting to see what’s going to happen,” says Courtney Johnson Rose, president of the National Association of Real Estate Brokers, an industry group for Black real estate agents. “I’m hopeful that the new year will bring more attention to real estate, more excitement to real estate, and more opportunities for first-time home owners to get in the game.” Preparing to buy a house is a lot like dressing for the weather. It’s easier when the outlook is sunny — but with some planning, you can gear up to face any condition. Here’s what housing market experts are forecasting for the upcoming year. First, home prices: We’ll likely see more modest growth in 2025, a change from skyrocketing prices in recent years. After 16 consecutive months of year-over-year price increases, the median existing-home sales price hit $407,200 in October, according to the National Association of Realtors. In 2025, with more supply trickling in to temper price increases, NAR chief economist Lawrence Yun forecasts a median existing-home sales price of $410,700, up just 2% over this year. Next, housing inventory: Demand still outpaces supply. While we don’t expect a return to a buyer’s market, competition should be less cutthroat. Realtor.com forecasts a balanced market in 2025 with an average 4.1-month supply of homes for sale, up from an average 3.7-month supply so far in 2024. That would make 2025 the friendliest market for buyers since 2016, which had an average 4.4-month supply. Finally, mortgage rates: After topping 8% in October 2023, the 30-year mortgage rate has slowly eased into the 6.5%-7% range this year. Rate cuts from the Federal Reserve have helped nudge that downward. Despite earlier optimism, forecasters’ latest consensus is for rates to effectively plateau above 6% throughout 2025. That said, every year has its wild cards. In 2025, it’s still uncertain how President-elect Donald Trump and a Republican-led Congress might shake up regulations and tax policies that affect the U.S. housing market. National forecasts don’t analyze what matters most: Your personal cash flow. To get ready to buy, first meet with a financial advisor or use an online calculator to determine how much house you can afford . You can also get free or low-cost advice from a housing counselor sponsored by the U.S. Department of Housing and Urban Development (HUD). Next, look into down payment and closing cost assistance from state housing finance agencies, local governments, nonprofits and mortgage lenders. Your employer or labor union might offer assistance, too. First-time buyers with income below their area median have the most options, but repeat or higher-income borrowers can qualify for some programs as well. “I think that there’s a lot of free money being left out there,” Rose says. Your not-so-secret weapon for buying in 2025 just might be an experienced buyer’s agent. “Anybody can write a contract,” says Sharon Parker, associate broker with Tate & Foss Sotheby’s International Realty in Rye, New Hampshire. “But you need somebody who’s seen the market, the ups and downs, who knows how to get creative because every transaction is different.” Following a settlement with the NAR , buyers can now negotiate their agent’s compensation up front. (Previously, home sellers took on that task.) While new norms are still shaking out, Rose says she hasn’t seen too much drama since the change took effect in August. “So as long as buyers remember that we have to talk about this in the beginning of our relationship, everything typically works out fine,” she says. Finally, it’s time to shop for a mortgage. To get the best interest rate, get a quote with at least three different lenders. You could also delegate the shopping to a mortgage broker, who can compare quotes and even negotiate a lower rate on your behalf. Though brokers charge a fee, their access to more mortgage options and lower rates can often mean net savings overall. With a mortgage preapproval in hand, it’s go time. And you don’t have to wait until spring: If you’re ready to buy now, buyers have less competition and more negotiating power from December through February, so you could snag a deal. “The people who are selling and the people who are buying in the off season are very serious,” Parker says. “They’re not just lookie-loos.” However, lower inventory means fewer choices for buyers. So start your search prepared to compromise — a “good enough” house will still help you build equity. If a down payment or monthly mortgage payment is financially out of reach, there’s no shame in postponing your search to pad your savings. And owning a home isn’t the right lifestyle choice for everyone, with the ongoing commitment of money and time. But once you’re ready to buy — whether for the first time, or to upgrade or downsize — avoid the trap of waiting for a dip in mortgage rates. “Nobody can predict what the market, or the world, is going to do,” Parker says. “There is no better time than right now.” Mortgage rates will always fluctuate, and if they drop significantly, you can refinance. For first-time buyers, homeownership is a major financial glow-up — and the sooner you jump in, the longer you’ll have to build home equity. “Time value of money is really, really critical when it comes to real estate,” Rose says. “So I would always encourage somebody to buy as soon as you can and get the clock ticking.” More From NerdWallet Abby Badach Doyle writes for NerdWallet. Email: abadachdoyle@nerdwallet.com. The article Buying a House in 2025: Your How-To Guide originally appeared on NerdWallet .
TUSCALOOSA, Ala. (AP) — Aden Holloway made eight 3-pointers and scored 26 points off the bench, and No. 5 Alabama overwhelmed South Dakota State with 19 made 3-pointers in a 105-82 victory on Sunday. Labaron Philon added 21 points, six assists and two steals for Alabama (11-2), while Mark Sears had 20 points and five assists. Grant Nelson scored 17 points. Oscar Cluff scored 21 points and Isaac Lindsey had 11 for South Dakota State (9-6). South Dakota State: Cluff entered Sunday averaging 16.6 points and 10.8 rebounds, but had failed to hit double digits in either category in either of his last two games before returning to form Sunday with 21 points and 15 rebounds. Alabama: Holloway’s 8-for-19 performance was a welcome sight after making four of his 15 attempts in his previous three games. Holloway, in his first season at Alabama after transferring from Auburn, saw his scoring average dip under 9 points per game before 13 points in the previous game and 26 on Sunday. Sears and Holloway hit 3-pointers less than 30 seconds apart just past the midway point of the first half, completing a 17-0 run and putting Alabama up by 23 points. The Jackrabbits never got the deficit lower than 14 after that. Alabama committed six turnovers, after having committed at least 14 in six of its last seven games. Alabama begins Southeastern Conference play at home against Oklahoma on Saturday; South Dakota State beings Summit League play on Thursday at home against Denver. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketball
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