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lodigame online casino If you’re sitting on a pile of travel or credit card rewards with no immediate travel plans, donating them to a charity is an easy way to have a positive impact. And it's a popular way to give: In 2021, Alaska Airlines Mileage Plan members donated around 94 million miles to charities at an approximate cash value of $2.6 million, according to the airline. Beyond the social benefits, miles donations also qualify as activity on your loyalty account and can prevent the rest of your rewards from expiring . But if you’re in the habit of maximizing points and miles, you might also want to stretch the value of your charitable donations as far as possible. And by that measure, some methods of donating points and miles fall short. Here’s what to consider before donating your miles and points . Charity might receive less value for your rewards Many loyalty programs make it easy to redeem your points and miles for a donation directly through their rewards portals. But some portals — especially those from airline and hotel programs — don’t publish the cash value a charity will receive for your miles or points. That means the charity may receive less value for your donation than you’d think, while also making it hard to compare the value of a donation with the value of other options for redeeming your points. Best Western Rewards is one of the few loyalty programs that publishes a cash value for charitable points donations. The charity will receive $2 for every 500 points you donate, for a point a value of 0.4 cent each. NerdWallet values Best Western points at 0.6 cent apiece, so you would receive 33% less value for your donation relative to using them for a hotel stay. You won’t get a tax deduction Generally, the Internal Revenue Service (IRS) doesn’t count points and miles as a source of income, so if you donate them, you can't deduct the cash value of your gift. This lack of favorable tax treatment for the consumer combined with the uncertain value you’ll often receive for miles and points donations should have you at least consider other avenues for your philanthropic endeavors. Keep in mind that this drawback only matters for taxpayers who itemize deductions on their income tax returns. If you're like most people and take the standard deduction instead of itemizing, you wouldn't be able to get a charitable tax deduction from any donation. You might not meet the donation minimums Some rewards programs have a minimum donation amount for select charities. For example, you’d have to donate at least 2,000 Southwest Rapid Rewards points for a donation to the Make-A-Wish Foundation. That minimum amount makes it tougher to donate points that may be collecting dust in your loyalty account. Donate to an organization that books travel with miles To maximize the value of your donation, consider a charity that books travel directly with your miles or points rather than donating directly through your loyalty program's portal. More from this section For example, Miles4Migrants uses donated airline miles and credit card points to directly book award travel for refugees and asylum seekers. “Instead of maximizing points and miles to book a dream trip, we do it to help refugees reach safe new beginnings,” said Patrick Stouffer, partnerships manager at Miles4Migrants, in an email. Miles4Migrants has redeemed over 775 million donated miles in pursuit of their mission, with a cash value of over $17 million. That expertise allows them to get more value out of every donation. “Our team has the specialized knowledge necessary to stretch the value of every point or mile, ensuring donations go as far as possible,” Stouffer said. “Even if you aren’t able to reap any tax advantages of donating your points, at least you’ll know they made the largest possible impact.” Use cash back instead Direct cash donations help avoid the downsides of donating miles and points. If you have a credit card that earns cash back , or if you earn cash rewards through a shopping portal like TopCashBack or Rakuten , consider cashing out and donating those rewards instead of your miles and points. With a cash donation, you’ll know the exact value a charity will receive from your donation and likely qualify for a potential itemized deduction on your taxes. Some rewards programs make this process simple and transparent. Travel rewards programs sometimes incentivize charitable giving by offering bonus points for your cash donations. For example, American Airlines offers 10 AAdvantage miles for every dollar members contribute to the charity Stand Up To Cancer. That extra incentive can be an individual boon for your charitable donation. Just be aware that any points or miles you receive from such promotions will reduce the tax deductibility of your contribution. American Airlines values those bonus miles you receive through donations at 3 cents each. So if you donate $100 and receive 1,000 AAdvantage miles, American values those miles at $30. You’ll receive a tax form declaring those rewards as $30 in income, giving you a qualifying tax deduction of $70. When you donate cash and receive bonus points, the charity still receives your full donation and you get a slug of points. While you'll have to pay taxes on those points, it can still be a big win for your future travel plans. More From NerdWallet Need Credit Card Debt Relief? Debt Management Could Help If You’re in Credit Card Debt, Forget About Rewards How to Go Cashless While Also Avoiding Credit Card Debt Craig Joseph writes for NerdWallet. Email: cjoseph@nerdwallet.com . The article Should You Donate Your Points and Miles to Charity? originally appeared on NerdWallet......Employees, Start-Ups, Tech, Essential Services, Consumptions Get Zero VAT .....As Tinubu Commits To Conceding In Areas of Controversies, Insists Tax Reform Must Happen ABUJA : The Leader of the Senate, Senator Opeyemi Bamidele (APC, Ekiti State) on Wednesday clarified misconceptions about the tax reform bills before the National Assembly. Senator Opeyemi in a statement to mark the Christmas celebration said that the narrative around the new derivation model provided for in the bills “is utterly incorrect and unfounded.” He revealed that the proposed tax reform bills (an executive legislation) recommends a review of derivations to states, with 6.17% proposed for Kano compared to 0.89% currently due to it. Zamfara is to get 1.21% compared to 0.05%, while Lagos which currently gets 80.26%, is to receive 15.28% as recommended in the new model. This represents an 81% decrease. Under the new model, also, Rivers’ share will decline from 7.74% to 4.6%, accounting for 41%. In the same vein, employees earning N1,000,000 annually or N83,000 monthly; start-ups, shared services and technologically driven services are exempted from taxation, as the bills also recommend zero VAT on essential services and consumptions. The bills have faced stiff opposition from the northern parts of the country, notably from governors who described them as “anti-North.” Besides the governors, members of the National Assembly (Senators in North, South and East causes) have taken various positions on the VAT sharing formula in the bills. The National Economic Council (NEC), a body comprising governors chaired by Vice President Kashim Shettima, urged the president some weeks ago to withdraw the bills for further consultations. However, the president refused, stating that all concerns should be addressed in the National Assembly. Governor Babagana Zulum of Borno State recently claimed that the reform would only benefit Lagos State—President Tinubu`s home state. In his remarks on the bills, the Senate Leader explained that the National Assembly is simply “committed to building an environment where businesses can operate seamlessly; where investors will never think twice before they bring in their capitals; where our compatriots can freely breathe without undue burden and where the next generations will be proud of at all times. We are pursuing each of these reforms purely in the love of our countrymen as Christ our Lord has commanded.” He said this drive is behind key legislations and reforms promoted such as the Tax Reform Bills, 2024 to National Minimum Wage Act, 2024, Investment and Securities Act, 2024 and National Ranches Commission Establishment Bill, 2024, among others, promoted in the 10th National Assembly. “This intention is more than evident in the case of Tax Reform Bills, 2024, a set of four initiatives consciously designed to reverse the country’s disturbing economic indicators. We have taken due note of public concerns about these initiatives. We are, as well, looking deeply into the areas of public concern. Our duty, as democrats, is not just to listen to our constituents, but also give effect to policy initiatives that will positively impact their lives. “For the record, the Tax Reform Bills, when finally enacted, utterly exempt all employees earning N1,000, 000 annually or N83,000 monthly; exempt start-ups, shared services and technologically driven services from taxation and recommend zero VAT on essential services and consumptions. Even though it reviews the derivation formula to 60%, this proposal is guided purely by the principles of equity, fairness and justice. The new model will eventually guarantee a significant increase in VAT distributable to every state of the federation. Amid the debates about the Tax Reform Bills, as Christ our Lord has taught us and as the Parliament of the people, we shall never pursue any agenda outside our oath of allegiance or undertake policy initiatives adversarial to or conflicting the interest and welfare of all our constituents and indeed our Fatherland,” Senator Opeyemi further stated. Recall, on Monday, Tinubu had during his first Presidential Media Chat said he is ready to make concessions to address the controversies surrounding the tax bills before the National Assembly. In response, Mr Tinubu said tax amendments require negotiations and concessions, and he was open to such. “That reform is here to stay. We cannot continue to do what we were doing in past years. We cannot retool the system using the old methods. I am focused on what Nigerians need and what I must do for Nigeria. It is not going to be an El Dorado for everyone. “Tax matters are subject to debate, review, and negotiation until you reach a consensus. That is all I am going to say about that,” he said. Continuing, Senator Opeyemi in his statement observed that the Christmas season, “again, presents humanity the opportunity to appreciate God Almighty for His redemption plan and the birth of Jesus Christ, whom we are all celebrating today. Christ is indeed the real reason for this season and nothing more. It is not just a season for winning and dining, but also of deep reflection about Christ’s birth and mission, about His care and love, and about His sacrifice and travails for us all, even for the unborn generations. “The reason for the season is, no doubt, a huge lesson for all humanity far and near. As we celebrate His faithfulness and goodness in our homes, we must also remember the needy in our neighbourhoods and consciously minister to them as Christ will have done. We need to reflect on the travail of the vulnerable nationwide and rekindle enduring hope in their hearts. We must reach out to those in troubled areas and show them the care of Christ our Lord. “In this season and beyond, we must likewise remember Nigeria, our Fatherland and the only country of our common heritage. With the zeal of our Lord, we must offer our timeless prayers for the renaissance of our Fatherland, for the restoration of her economy, for the stability of her polity, for the cohesion of her people across the Niger and for the manifestation of her glory in the league of Nations. “This is the season never to shy away from eternal responsibilities God Almighty has committed to our hands. This is the season to renew our resolve to faithfully stand with the political leadership for the renewal of hope. This is the season to halt the search for pastures that are never green, but the time to join hands together to build our own Nation with conviction and rebrand her for the ceaseless inflow of global capitals and for the endless troupe of global tourists. With all my heart, I wish you all happy celebrations in this season of deep reflection. Merry Christmas and Happy New Year in advance.”

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New York City mayor meets with Trump's 'border czar' to discuss how to go after 'violent' criminals

Jaland Lowe flirted with a triple-double as Pitt improved to 6-0 with a 74-63 win over LSU on Friday afternoon at the Greenbrier Tip-Off in White Sulphur Springs, W.Va. Lowe finished with a game-high 22 points to go along with eight rebounds and six assists for the Panthers, who have won their first six games of a season for the first time since the 2018-19 campaign. It would have been the second straight triple-double for Lowe, who had 11 points, 10 rebounds and 10 assists against VMI Monday. Ishmael Leggett chipped in 21 points and Cameron Corhen supplied 14, helping Pitt outshoot the Tigers (4-1) 44.4 percent to 37.3 percent overall. Vyctorius Miller and Jalen Reed recorded 14 points apiece for LSU, with Reed also snatching seven boards. Cam Carter contributed 11 points. Pitt took control in the first four-plus minutes of the second half, opening the period on a 13-0 run to build a 40-28 lead. The Tigers were held scoreless following the break until Carter converted a layup with 13:13 to go. It was still a 12-point game after Zack Austin hit a pair of free throws with 12:50 remaining, but LSU then rallied. Corey Chest, Reed and Jordan Sears each had a bucket down low for the Tigers during an 8-1 spurt that made it 43-38. However, Lowe stemmed the tide, answering with back-to-back 3-pointers to put the Panthers up 49-38 with 9:31 left. Miller did everything he could to keep LSU in contention, scoring eight points in a span of 1 minute, 23 seconds, with his four-point play getting the Tigers within 56-52 with 6:03 to play. But Pitt never let LSU get the upper hand, and it led by at least six for the final 5:05 of the contest. The Tigers had a 28-27 edge at intermission after ending the first half on an 8-2 run. LSU overcame a quick start by the Panthers, who raced out to a 12-6 advantage and led by as many as eight in the first 20 minutes of action. --Field Level Media

《TAIPEI TIMES》 Santa’s reindeer actually female: ministry quizAll Wright scores 26 and Valparaiso earns 93-77 win over Central Michigan

Syrian Prime Minister Pledges Continuity Amidst ChaosTwo fresh new cases have been registered against Bushra Bibi, wife of PTI founder Imran Khan, in Dera Ghazi Khan and Rajanpur for allegedly making inflammatory statements to incite hatred, ARY News reported. Following a video statement made by Bushra Bibi, cases were filed under the Telegraph Act of 1885. Police have stated that the proceedings are being conducted under Section 126 of the Telegraph Act and other relevant laws. The content of the cases accuses Bushra Bibi of making provocative remarks intended to stir public emotions. It is claimed that the statement, made with intent and planning, targeted Saudi Arabia, playing on the public’s sentiments. The video also allegedly contained statements contrary to the country’s foreign policy and public interest. The first case was filed in Dera Ghazi Khan on the complaint of a citizen named Ghulam Yaseen. Additionally, a second case was filed in Rajanpur, with another citizen, Hakeem, as the complainant. Read More: PTI distances itself from Bushra Bibi’s statement, calling it a “personal opinion” On November 22, PTI leaders distanced their selves from Bushra Bibi’s recent statement regarding Saudi Arab reflects, stating that, her personal views and should not be considered as party’s policy. According to sources, concern arose between PTI ranks regarding the statement made by the wife of Imran Khan. Leaders emphasised that Bushra Bibi has no formal role in party affairs, and only the founder, Imran Khan, is authorized to outline party policies. Sources further revealed that the Imran Khan has previously clarified Bushra Bibi’s non-involvement in politics. They also stated that her remarks should not be misrepresented or taken out of context. The controversy stems from a statement by former First lady, alleging interference by former COAS General Qamar Javed Bajwa under foreign influence. PTI founder’s wife claimed that after the Imran Khan visited Madinah ‘barefoot’ and returned, General Bajwa began receiving phone calls. According to Bushra Bibi, Bajwa was told, “Who have you brought forward? We don’t want such individuals.” She further alleged that Bajwa was informed, “We are planning to abolish Sharia in this country, and you have introduced such a person.” Bushra Bibi stated that following these remarks, a campaign of defamation was initiated against her and the PTI founder, Imran Khan. “They spread slander about me and began labelling the PTI founder as a Jewish agent,” she added.

Nobel Prize 2024 winners: Who are the winners in each of the categories and what was their contribution?

The gaming world is buzzing with speculation: Is AMD’s new Ryzen series about to redefine the industry’s future? As the latest iteration in their processor line, Ryzen strengthens its foothold in the gaming arena driven by cutting-edge technology. Dynamic Performance at Its Core : AMD’s next-generation Ryzen processors claim to deliver unprecedented performance, thanks to their refined architecture and enhanced core management. The adoption of multi-threading capabilities ensures seamless multitasking, while the leap in clock speed marks an evolution gamers have eagerly anticipated. This improvement not only caters to current gaming demands but also sets a foundation for future titles boasting higher graphical fidelity. Eco-Conscious Power Delivery : Beyond sheer performance, AMD’s new Ryzen series emphasizes energy efficiency, a rising concern in today’s technology landscape. The processors reportedly operate on reduced power consumption without compromising performance levels. As gaming setups become more power-intensive, this advancement presents Ryzen as a forward-thinking choice, potentially reducing ecological impact and even cutting down on electricity bills. The Advent of AI-Enhanced Gaming : In a groundbreaking move, the latest Ryzen processors are poised to integrate AI capabilities. This addition heralds a new era where smarter, AI-enhanced games could alter player experiences. AI-driven optimizations could also pave the way for personalized game tweaking, aligning Ryzen with emerging trends in interactive entertainment. As technology progresses, AMD’s Ryzen might just be the catalyst that propels gamers into the future. The question remains, how will it change the gameplay—and gaming industry—as we know it? The Future of Gaming: AMD Ryzen Series Set to Revolutionize In the evolving landscape of gaming technology, AMD’s newest Ryzen processors are generating excitement with promises of groundbreaking innovations. While the potential for enhanced performance and efficiency is thrilling, there are more subtle aspects of these processors that could have a significant impact on the gaming industry. Pros and Cons As with any new technology, the Ryzen series boasts both advantages and potential drawbacks. On the positive side, its advanced architecture and eco-conscious power management are substantial wins for gamers seeking high performance without excessive power usage. However, the integration of AI capabilities may come with a learning curve for developers and could increase the upfront cost of the hardware. AI Integration and Its Implications A standout feature of the new Ryzen series is the AI-enhanced gameplay potential. With AI capabilities integrated into the processor’s architecture, developers are equipped to design smarter, more adaptive gaming environments. This could mean more responsive non-playable characters (NPCs) and an overall more immersive gaming universe, aligning with the trend towards more personalized gaming experiences. Market Analysis and Pricing Trends The release of AMD’s new Ryzen series is likely to shake up the market. Early price analyses suggest that while the initial cost may be higher than previous models, the long-term savings from energy efficiency and the potential longevity of these processors could justify the expense. These processors are positioned to aggressively compete with other high-end options, potentially shifting market dynamics and price expectations. Sustainability: A Growing Priority In an age where sustainability and environmental impact are paramount, AMD’s focus on energy efficiency could influence consumer purchasing decisions. The reduced power consumption aligns with global trends toward more eco-friendly technology, appealing to environmentally conscious gamers and potentially setting a new standard in processor design. Predictions and Future Innovations Looking ahead, industry experts predict that if AMD continues on its current path, the Ryzen series will set new benchmarks for processor performance and efficiency. Speculation also suggests further integration of AI and potentially even more advanced energy-saving technologies in future models, a testament to AMD’s commitment to innovation. Security Aspects Security remains a cornerstone of AMD’s technological advancements. The new Ryzen series is expected to incorporate enhanced security features, safeguarding users against emerging threats. This focus on security is crucial in an era where cyber threats are continually evolving. For more information about AMD and their latest offerings, visit their official website . Embrace the future of gaming with AMD’s cutting-edge technology.Giants release quarterback Daniel Jones just days after benching him EAST RUTHERFORD, N.J. (AP) — The Daniel Jones era in New York is over. The Giants quarterback was granted his release by the team just days after the franchise said it was benching him in favor of third-stringer Tommy DeVito. New York president John Mara said Jones approached the team about releasing him and the club obliged. Mara added he was “disappointed” at the quick dissolution of a once-promising relationship between Jones and the team. Giants coach Brian Daboll benched Jones in favor of DeVito following a loss to the Panthers in Germany that dropped New York's record to 2-8. Conor McGregor must pay $250K to woman who says he raped her, civil jury rules LONDON (AP) — A civil jury in Ireland has awarded more than $250,000 to a woman who says she was raped by mixed martial arts fighter Conor McGregor in a Dublin hotel penthouse after a night of heavy partying. The jury on Friday awarded Nikita Hand in her lawsuit that claimed McGregor “brutally raped and battered” her in 2018. The lawsuit says the assault left her heavily bruised and suffering from post-traumatic stress disorder. McGregor testified that he never forced her to do anything and that Hand fabricated her allegations after the two had consensual sex. McGregor says he will appeal the verdict. Week 16 game between Denver Broncos and Los Angeles Chargers flexed to Thursday night spot The Los Angeles Chargers have played their way into another prime time appearance. Justin Herbert and company have had their Dec. 22 game against the Denver Broncos flexed to Thursday night, Dec. 19. Friday’s announcement makes this the first time a game has been flexed to the Thursday night spot. The league amended its policy last season where Thursday night games in Weeks 13 through 17 could be flexed with at least 28 days notice prior to the game. The matchup of AFC West division rivals bumps the game between the Cleveland Browns and Cincinnati Bengals to Sunday afternoon. NBA memo to players urges increased vigilance regarding home security following break-ins MIAMI (AP) — The NBA is urging its players to take additional precautions to secure their homes following reports of recent high-profile burglaries of dwellings owned by Milwaukee Bucks forward Bobby Portis and Kansas City Chiefs teammates Patrick Mahomes and Travis Kelce. In a memo sent to team officials, a copy of which was obtained by The Associated Press, the NBA revealed that the FBI has connected some burglaries to “transnational South American Theft Groups” that are “reportedly well-organized, sophisticated rings that incorporate advanced techniques and technologies, including pre-surveillance, drones, and signal jamming devices.” Red Bull brings wrong rear wing to Las Vegas in mistake that could stall Verstappen's title chances LAS VEGAS (AP) — Max Verstappen is suddenly in jeopardy of being denied a fourth consecutive Formula 1 title Saturday night. Red Bull apparently brought the wrong rear wing to Las Vegas and GPS data showed its two cars to be significantly slower on the straights than both McLaren and Mercedes, which led both practice sessions. Red Bull says it doesn’t have a replacement rear wing in Las Vegas to fix the issue and little chance of getting two flown in from England ahead of the race. Caitlin Clark to join Cincinnati bid for 16th National Women's Soccer League team WNBA star Caitlin Clark has joined Cincinnati’s bid for an expansion National Women’s Soccer League team. Major League Soccer franchise FC Cincinnati is heading the group vying to bring a women’s pro team to the city. The club issued a statement confirming Clark had joined the bid group. NWSL Commissioner Jessica Berman has said the league plans to announce the league’s 16th team by the end of the year. The league's 15th team will begin play in 2026 in Boston. Alyssa Nakken, first full-time female coach in MLB history, leaving Giants to join Guardians CLEVELAND (AP) — Alyssa Nakken, the first woman to coach in an MLB game, is leaving the San Francisco Giants to join the Cleveland Guardians. Nakken made history in 2022 when she took over as first-base coach following an ejection. A former college softball star at Sacramento State, Nakken joined the Giants in 2014 and was promoted to a spot on manager Gabe Kapler’s staff in 2020, becoming the majors’ first full-time female coach. Nakken has been hired as an assistant director within player development for the Guardians, who won the AL Central last season under first-year manager Stephen Vogt. Nakken, 34, will work with former Giants coaches Craig Albernaz and Kai Correa. Aaron Judge won't be bothered if Juan Soto gets bigger contract from Yankees than his $360M deal NEW YORK (AP) — Aaron Judge won’t be bothered if Juan Soto gets a bigger deal from the New York Yankees than the captain’s $360 million, nine-year contract. Speaking a day after he was a unanimous winner of his second MVP, Judge says “It ain’t my money” and adds "that’s never been something on my mind about who gets paid the most.” Judge led the major leagues with 58 homers, 144 RBIs and 133 walks while hitting .322. Soto batted .288 with 41 homers, 109 RBIs and 129 walks in his first season with the Yankees, then became a free agent at age 26. In a 'Final Four-type weekend,' two top-6 clashes put women's college basketball focus on West Coast LOS ANGELES (AP) — Two games featuring four powerhouse teams has put the focus in women's college basketball on the West Coast this weekend. JuJu Watkins and No. 3 Southern California host Hannah Hidalgo and No. 6 Notre Dame on Saturday. Top-ranked South Carolina visits Lauren Betts and fifth-ranked UCLA on Sunday. Both games are nationally televised and the arenas are expected to be packed. WNBA scouts will be on hand to check out some of the nation's top talent. Two teams will come away with their first losses of the season. USC coach Lindsay Gottlieb calls it “a Final Four-type weekend.” A documentary featuring Watkins will air on NBC ahead of USC's game, which leads into the Army-Notre Dame football game. Noodles and wine are the secret ingredients for a strange new twist in China's doping saga Blame it on the noodles. That's what one Chinese official suggested when anti-doping leaders were looking for answers for the doping scandal that cast a shadow over this year's Olympic swim meet. Earlier this year, reports that 23 Chinese swimmers had tested positive for a banned heart medication emerged. None were sanctioned because Chinese authorities determined the swimmers were contaminated by traces of the drug spread about a hotel kitchen. In a strange twist, the leader of China's anti-doping agency suggested this case could have been similar to one in which criminals were responsible for tainting noodles that were later eaten by another Chinese athlete who also tested positive for the drug.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. Related Articles Real Estate | Homeowners insurance company to pull out of California condo, rental markets Real Estate | California nets large population increase in 2024 — nearly returning to pre-pandemic level Real Estate | Average rate on 30-year mortgage snaps 3-week slide and rises to highest level since late November Real Estate | US home sales hit fastest pace since March with more properties up for sale Real Estate | Leader who helped SJSU become economic dynamo heads to East Bay school 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 .CORNELIUS, N.C. and NEW YORK, Dec. 13, 2024 (GLOBE NEWSWIRE) -- Alpha Modus Holdings, Inc. ("Alpha Modus" or the “Company”), a technology company with a core focus on artificial intelligence in retail, is pleased to announce that the business combination between Insight Acquisition Corp. and Alpha Modus Corp. has closed, and Alpha Modus’s common stock and warrants will begin trading on the Nasdaq Global Market under the ticker symbols “AMOD” and “AMODW”, respectively, on Monday, December 16, 2024. In connection with the closing of the business combination, the combined company consummated and issued a secured convertible promissory note to an investor, in exchange for net proceeds of approximately $2.6 million, which will be used primarily to cover transaction costs and for working capital. The structure of the financing does not include commitment or warrant shares and is structured with the potential for an additional $5 million capital infusion for working capital purposes in the future. Advisors Maxim Group LLC served as capital markets advisor to Alpha Modus. Brunson Chandler & Jones, PLLC acted as legal counsel to Alpha Modus. Loeb & Loeb LLP served as legal counsel to Insight Acquisition Corp. About Alpha Modus Alpha Modus engages in creating, developing and licensing data-driven technologies to enhance consumers' in-store digital experience at the point of decision. The company was founded in 2014 and is headquartered in Cornelius, North Carolina. For additional information, please visit alphamodus.com . About Insight Acquisition Corp. Prior to the closing, Insight Acquisition Corp. (NASDAQ: INAQ) was a special purpose acquisition company formed solely to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization or similar business combination with one or more businesses. Insight Acquisition Corp. was sponsored by Insight Acquisition Sponsor LLC. For additional information, please visit insightacqcorp.com . Forward-Looking Statements This press release includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. Insight's and Alpha Modus' actual results may differ from their expectations, estimates, and projections and, consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as "expect," "estimate," "project," "budget," "forecast," "anticipate," "intend," "plan," "may," "will," "could," "should," "believes," "predicts," "potential," "continue," and similar expressions (or the negative versions of such words or expressions) are intended to identify such forward-looking statements, but are not the exclusive means of identifying these statements. These forward-looking statements include, without limitation, Insight's and Alpha Modus' expectations with respect to future performance and anticipated financial impacts of the Business Combination. Insight and Alpha Modus caution readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. Insight and Alpha Modus do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in their expectations or any change in events, conditions, or circumstances on which any such statement is based. Contacts: Alpha Modus Shannon Devine MZ Group +1(203) 741-8841 shannon.devine@mzgroup.us

Lindsey Vonn takes another step in comeback at age 40, competes in a pair of downhillsBeltone approves EGP 10.75bn capital increase to drive expansion, growth strategy

A total of 98,490,539 voted representing 33.48% of the issued and outstanding shares were voted in connection with the meeting. The Corporation is pleased to announce that all resolutions put forward to shareholders in the Corporation's management information circular (“Circular”) dated October 24, 2024, were overwhelmingly approved, including: “I would like to thank shareholders for their continued support. Our strategy to target larger revenue commercial and utility solar projects, combined with owning our own solar projects, has created the foundation for a growing, sustainable company that is well positioned to take advantage of the current global shift to renewable energy,” said CEO Brian Timmons. Brian Timmons, CEO About Solar Alliance Energy Inc. ( ) Solar Alliance is an energy solutions provider focused on the commercial, utility and community solar sectors. Our experienced team of solar professionals reduces or eliminates customers' vulnerability to rising energy costs, offers an environmentally friendly source of electricity generation, and provides affordable, turnkey clean energy solutions. Solar Alliance's strategy is to ultimately build, own and operate our own solar assets while also generating stable revenue through the sale and installation of solar projects to commercial and utility community customers Statements in this news release, other than purely historical information, including statements relating to the Company's future plans and objectives or expected results, constitute Forward-looking statements. The words“would”,“will”,“expected” and“estimated” or other similar words and phrases are intended to identify forward-looking information. Forward-looking information is subject to known and unknown risks, uncertainties and other factors that may cause the Company's actual results, level of activity, performance or achievements to be materially different than those expressed or implied by such forward-looking information. Such factors include but are not limited to: the ability to complete the Company's projects on schedule or at all, uncertainties related to the ability to raise sufficient capital; changes in economic conditions or financial markets; litigation, legislative or other judicial, regulatory, legislative and political competitive developments; technological or operational difficulties; the ability to maintain revenue growth; the ability to execute on the Company's strategies; the ability to complete the Company's current and backlog of solar projects; the ability to grow the Company's market share; the high growth rate of the US solar industry; the ability to convert the backlog of projects into revenue; the expected timing of the construction and completion of the 1500 kW Kentucky solar projects; the targeting of larger customers; the ability to predict and counteract the effects, should they re-emerge, of COVID-19 on the business of the Company, including but not limited to the effects of COVID-19, on the construction sector, capital market conditions, restriction on labour and international travel and supply chains; potential corporate growth opportunities and the ability to execute on the key objectives in 2024. Consequently, actual results may vary materially from those described in the forward-looking statements. “Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release." MENAFN13122024004107003653ID1108992016 Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.

New lubricant 'Petronas Nexta' launched in Bangladesh

America's newest strategic bomber The B-21 bomber is set to be the future of America's strategic bombing fleet with the US Air Force set to significantly invest in this aircraft for a sizable fleet. The B-21 is the answer to a new and increasingly complex operating environment, consisting of interconnecting sensors, sophisticated anti-aircraft missiles, and fifth-generation interceptors. The B-21 also has mysterious engines about which little is known. However, there are clues that point to what the engine could be. We will explore some of the known details about the B-21's engine(s). Background on the B-21 bomber The B-21 Raider, named after the Doolittle Raiders which gained notoriety for their participation in the first retaliatory strike against Japan’s capital city, Tokyo, on April 18, 1942. The B-21 was initially going to be named the B-3, however, then-Air Force (USAF) Secretary Deborah Lee James renamed it the B-21. This was done to signify that it is America’s first 21st century bomber. The type entered service in 1997. The B-21 program has its roots in the early termination of the B-2 fleet. The USAF planned to build 132 B-2s. However, Congress terminated funding for this program after 21 were built by 1997. The USAF made this move in light of the receding Russian threat and the rising price of the aircraft. An aspect of the price or the projected future price was the fact that Northrop was contracted to build a high-capacity factory in order to rapidly build the fleet of B-2s. ...it is clear that the USAF is committed to this stealth global strike platform, that can penetrate the A2/AD zones of states that are hostile to the United States. On October 27, 2015, the Department of Defense announced its intention to award the contract to build the new “Long Range Strike-Bomber" to Northrop Grumman, which beat the Boeing-Lockheed Martin team. Northrop Grumman’s winning bid put the production cost at $511 million per plane. The USAF has plans to buy a minimum of 100 B-21s. Some key highlights regarding the B-21 program Funding is a great place to start; it displays an organization's commitment to an important product or program. With regard to military equipment, releasing funding estimates could also be seen as messaging to competitors about intentions. With a strategic weapon system like the B-21, it is clear that the USAF is committed to this stealth global strike platform that can penetrate the A2/AD zones of states that are hostile to the United States. In 2021, the USAF announced that Ellsworth AFB would be the first B-21 main operating base and location for its Formal Training Unit. According to Air & Space Forces Magazine (2023): The USAF stated that “...it will spend $19.536 billion on B-21 production through 2027. The funding profile calls for $108 million in fiscal 2022 (enacted by Congress), $1.8 billion in FY23; $3.5 billion in FY24; $4.4 billion in FY25; $4.6 billion in FY26, and $5 billion in FY27. A production ramp has not been disclosed.” The B-21 Raider and China's H-20 reveal distinct advances in stealth and range, shaping each nation’s future strategic airpower. In 2018, the B-21 program successfully conducted its weapon systems Critical Design Review. This review evaluates the B-21's design maturity, stability, and risk program-wide. In 2019, the USAF completed the Strategic Basing Process. This announcement stated that Ellsworth Air Force Base (AFB), South Dakota; Whiteman AFB, Missouri; and Dyess AFB, Texas, are the preferred locations for B-21's main operating bases. Two years later, in 2021, the USAF announced that Ellsworth AFB would be the first B-21 main operating base and location for its Formal Training Unit. The B-21's first flight took place at dawn on November 10, 2023. The stealth aircraft took off from USAF Plant 42 in Palmdale, California. It ascended to 500 feet, accompanied by an F-16 chase plane. The flight lasted for approximately 90 minutes and was followed by an uneventful landing. Would readers like to speculate in the comments section as to why the B-21 was towing what appeared to be a lengthy cable from the upper surface of its tail on the port side, near the exhausts on its maiden flight. The B-21 and the F-35...a common engine? As is well known, Pratt & Whitney is the engine manufacturer for the B-21, which also makes the engine for the F-35. To save time and money on development, the B-21 used mature technologies, and it is expected that it will have excellent speed. Both of these details could point to the use of a jet fighter power module. Therefore, it would make sense that the B-21 could use the power module of the F-35 engine, the F135, which is itself based on the F119 power module, to power the F-22. Some of the biggest news of 2024 for the B-21 is that the aircraft entered Low-Rate Initial Production. As stated by Pratt & Whitney : “The F135 was intentionally designed as a derivative to have a high degree of commonality with the F119 in order to improve performance by increasing durability, reliability and supportability while also reducing overall program cost, schedule, and risk.” The Air Force has shown one of its three B-21 bombers in test flights in California for the first time. Another interesting and tantalizing detail was stated by Lieutenant General Chris Bogdan , head of the F-35 program. He stated: “There are some things we learned from the F135 engine that will greatly benefit the Long Range Strike airplane. At the same time, I think Pratt and Whitney ought to be looking to drive the cost of the F135 engine down and I would be expecting them to.” This could be a clue as to the B-21 using the power module from the F-35 or a derivative of it. If this were the case it would point to the B-21 having very adequate speed, particularly if it has two engines, both having the core of the F-35 powerplant. The B-21 Raider represents a stunning leap in stealth air power but the question remains as to the true cost of such technology. Regardless, while Pratt & Whittney are keeping the details about the B-21 engine tightly under wraps, if this bomber is using two F135 engines, it could have a combined thrust of approximately 80,000 lbs. The B-21 program today Some of the biggest news of 2024 for the B-21, is the fact that Under Secretary of Defense for Acquisition and Sustainment, announced that the aircraft entered into Low-Rate Initial Production at the beginning of this year. While the details of this contract were not disclosed some reports stated that it could cover up to 21 units. Additionally, at the time of the aircraft's first flight in November 2023, Northrop Grumman stated that six units were in various stages of production. B-21 Raider: The future of America's bomber fleet The US is the only country in the world to have and maintain a sizable fleet of dedicated long range, deep strike, heavy bombing aircraft. The B-21 is set to replace the B-1B Lancer and the B-2 Spirit in terms of stealth bombing capability, and thus forging the future of US strategic bombing. The B-21 is the answer to an increasingly complex operating environment, which consists of hostile states possessing advanced radar, sensing and anti-aircraft missile networks. In the event of a conflict, the B-21 will be able to easily enter contested airspace, destroy high-value targets and anti-aircraft systems, paving the way for follow-on strikes by fourth and fifth generation strike aircraft. The question remains, will Northrop Grumman be able to produce enough B-21s before the next large conflict? Hopefully there isn’t one, but a good question to ponder none-the-less. The performance and mission capabilities of the B-21 Raider are yet to be revealed.

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