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Nendah Tarke scores 24 to help Towson defeat Morgan State 64-60
Antitrust enforcers with the Federal Trade Commission have opened a wide-ranging investigation into Microsoft's business practices, starting a big legal project that an incoming Trump administration must take up or abandon. The FTC is investigating Microsoft's cloud computing business and related product lines such as artificial intelligence and cybersecurity, according to a person who was not authorized to discuss details of the investigation publicly and spoke to The Associated Press on condition of anonymity. It's the latest action of more than three years of aggressive antitrust enforcement shepherded by FTC Chair Lina Khan, who was elevated to lead the agency by President Joe Biden after he came into office pledging tougher scrutiny of monopolistic behavior by Big Tech companies. Khan's FTC already lost one antitrust fight with Microsoft last year when a federal judge declined to block its $69 billion takeover of video game company Activision Blizzard. This case would go deeper into the core of Microsoft's business in a way the company hasn't experienced in the U.S. since its antitrust showdown with the Justice Department in the 1990s. Microsoft declined to comment. Bloomberg News first reported about the investigation last week. The case will only move forward if President-elect Donald Trump's choice to lead the FTC decides to continue the investigation and take it to court. Some analysts are expecting a lighter approach to the tech industry under Trump, though incoming Vice President JD Vance has praised Khan's work. A number of other tech-related antitrust matters are also in play, including the Department of Justice's investigation into chipmaker Nvidia and its push to break up Google — possibly spinning off the Chrome web browser — after a federal judge ruled Google maintained an illegal monopoly for the last decade. Matt O'brien, The Associated Press
LONDON :Arsenal moved up to second in the Premier League and within six points of Liverpool after a largely trouble-free, if slightly pedestrian, 1-0 win at home to struggling Ipswich Town on a chilly night in north London on Friday. A first-half goal from Kai Havertz, who pounced on a smart pull-back from Leandro Trossard, proved the winner although the hosts should have scored more as the Gunners' performance failed to provide many pre-New Year fireworks. Lacking the creativity of the injured Bukayo Saka, it took 19 minutes before Arsenal mustered their first shot although four minutes after that Havertz netted his sixth of the season in all competitions by tapping in Trossard's whipped cross. Ipswich had a spell of pressure after 10 minutes of the second half but it proved fleeting and Arsenal should have comfortably put the game to bed after that. Defender Gabriel Magalhaes missed a golden opportunity to extend his run of scoring from corners when he headed just wide when completely unmarked. Captain Martin Odegaard then blazed over after he danced from midfield into the visitors box. The win lifted Arsenal to 36 points behind Liverpool, who have 42 and a game in hand, and meant the Gunners leapfrogged both London rivals Chelsea, who have 35 points, and one of the season's surprise packages Nottingham Forest, fourth on 34. Arsenal manager Mikel Arteta told reporters he was "very happy with the victory, with the clean sheet and with large parts of the game. We should have scored more but it is the consistency, the team conceded nothing again. "Considering all the circumstances we had this season, the amount of times we had to play with 10 men, all the injuries that we had, it's good to be in the position that we are but it's not where we want to be. We want to be first." The Gunners next visit Brentford on New Year's Day and Brighton & Hove Albion on Jan. 4 before playing two domestic cup games and hosting local rivals Tottenham Hotspur on Jan. 15. SLOW START Friday's match started slowly as Arsenal kept the ball effortlessly early on, although it was mostly in non-threatening areas until Trossard burst to the byline after 23 minutes and fired the ball across for Havertz to prod in. Arsenal forward Gabriel Jesus thought he had added to his recent run of goals later in the half when he poked the ball through the Ipswich keeper Arijanet Muric's legs from an unfathomably tight angle but it was ruled out for offside. The home side created a handful of good chances in the final 20 minutes too with Odegaard, Havertz and Trossard all getting shots in but if Arsenal are to keep up their challenge on Liverpool they will need to demonstrate more clinical finishing. Ipswich remain second-bottom with 12 points from 18 games, three off the safety zone, before they host Chelsea on Monday. "The players worked really hard and we got the game to a good place in the second half after a good 20 minutes," Ipswich manager Kieran McKenna told the BBC. "Early on we were pinned in and couldn't get out but to be where we were after 89 minutes I was really pleased ... Some defending was good and we'll need that on Monday against Chelsea."Tarke added seven rebounds for the Tigers (4-2). Tomiwa Sulaiman scored 10 points and grabbed six rebounds. Christian May scored nine. The Bears (3-5) were led in scoring by Wynston Tabbs with 19 points. Kameron Hobbs had 13 points and Ahmarie Simpkins finished with nine points, three steals and two blocks. Towson went into halftime leading Morgan State 35-26. Tarke scored 14 points in the half. Towson used a 7-0 run in the second half to build an 11-point lead at 58-47 with 5:51 left in the half before finishing off the win. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .
Prime Gaming members get Star Wars: Bounty Hunter, DREDGE, and 16 more games in DecemberAvoid credit shock and check your credit rating online before applying for a loan. Applying for a home loan? You might want to check your credit score before going ahead. Even better – check your credit history, says Canstar data insights director Sally Tindall. While there are a range of things that ruin credit scores, poor credit conduct being a big one, lenders look much deeper than the numerical values assigned to us by credit reporting bodies when assessing the risk we pose as borrowers, she says. “A lender might look at your credit score as a quick way of checking for any red flags but, far more importantly, they will be going through your credit history line-by-line to see how you’ve managed debts in the past, along with what debts you currently have,” she says. “If you are gearing up to apply for a home loan, it’s worth ordering a copy of your credit report so you can be across what the bank is going to learn about you when they inevitably go and read through your credit history.” Lenders don’t just look at your credit score – they also check your full credit history. BAD HISTORY LOWERS YOUR SCORE When it comes to the things that actually give you a low and therefore bad credit score, poor credit history often tops the list, says mortgage broker Andrew Rennie from Helping Hand Finance. MORE: ‘Unfair’ bank lending policy under fire When to actually expect rate cut “You might think that only being a few days late on paying your bills is no big deal and saving you money, but late payments on things like credit cards and utility bills can decrease your score,” Rennie says. Helping Hand Finance mortgage broker Andrew Rennie. Since a credit report looks at the previous 24 months of conduct, it often takes quite some time before a borrower’s slate can be wiped clean. “Having credit cards or personal loans in arrears also impacts credit scores, as does multiple instances of late payments of 30-plus days,” he adds. “Applying for hardship or repayment holidays with lenders also brings your credit score down.” Mortgage broker Daniel O’Brien from PFS Financial Services says defaults, court judgments and bankruptcy are the worst offenders when it comes to ruining a borrower’s credit score. “Applying for short term ‘payday’ loans” also has an impact, he says. A good mortgage broker will check your credit history and score before lodging any applications. SHOPPING FOR LOANS If you are applying for multiple home loan applications it could affect your credit report, says Tindall. “Frequent applications can signal to lenders that you may be experiencing financial difficulties, while in other cases it might be that you’re just shopping around,” she says. “Each new credit application is typically listed on your report, including the ones that are rejected.” “That said, the diligence of banks in the home loan assessment process means a handful of credit inquiries that can easily be explained is unlikely to trip you up.” Needing to roll over a pre-approval multiple times doesn’t tend to affect a borrower’s credit score, says Rennie. Rolling over your pre-approval generally doesn’t affect your credit score. “Any lenders that extend a pre-approval generally just want evidence that your financial situation hasn’t changed and will generally want updated pay slips and confirmation from the borrower that their circumstances are the same before extending a pre-approval,” he says. Tindall says “While home loan pre-approvals show up on your credit file, try not to let this stress you out too much, even if you have to roll it over for another few months because you haven’t yet found the home of your dreams.” “This is quite a normal process for someone looking to buy a home, particularly in a market where stock has been in short supply. “If your new bank asks, you’ve got a very reasonable explanation at the ready.” Canstar Data Insights director Sally Tindall. Picture: supplied ACE YOUR CREDIT SCORE A good credit history is key to keeping a good credit score and essential if you want to maximise your chances of being approved for a home loan. Here are a few things that may help to keep your credit score in healthy shape. 1. Check your credit score and credit report for free online 2. Make a habit out of paying every bill on time 3. If you think you’re in danger of missing a bill, contact your provider in advance to discuss your options 4. Avoid applying for multiple home loans and engage a mortgage broker instead 5. Understand that taking repayment pauses will bring your credit score down 6. Get rid of Buy-Now-Pay-Later facilities, which Rennie says reduce your credit score and affect your borrowing capacity MORE: Outrage as Aussies can’t afford to live in Australia Loo-dicrous way to add thousands to your home value Where you can invest for under $500k
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BOSTON, Dec. 02, 2024 (GLOBE NEWSWIRE) -- The New America High Income Fund, Inc. (the “Fund”) (NYSE: HYB) announced today that it will pay a distribution of $.04 per share on the company’s common stock on December 31, 2024 to common shareholders of record as of the close of business on December 17, 2024. The ex-dividend date will be December 17th. The Fund has released updated portfolio data which can be found on the Fund’s website at www.newamerica-hyb.com . The New America High Income Fund, Inc. is a diversified, closed-end management investment company with a leveraged capital structure. The Fund’s investment adviser is T. Rowe Price Associates, Inc. (“T. Rowe Price”). As of September 30, 2024, T. Rowe Price and its affiliates managed approximately $1.6 trillion of assets, including approximately $20 billion of “high yield” investments. T. Rowe Price has provided investment advisory services to investment companies since 1937. Contact: Ellen E. Terry, President Telephone: 617-263-6400 www.newamerica-hyb.com
Arsenal moves up to second in the Premier League with a 1-0 win over IpswichCan you shoot down a drone? Common misconceptions, regulations and rights
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U.S. Surgical Staplers Market Set for Exceptional Growth in the Forecast 2024-2032 12-27-2024 07:16 PM CET | Health & Medicine Press release from: Cognate Insights U.S. Surgical Staplers Market Latest Market Overview The U.S. surgical staplers market is projected to achieve a valuation of $5.8 billion in 2024, expanding at a compound annual growth rate (CAGR) of 7.6% between 2024 and 2032. The growing adoption of minimally invasive surgeries, coupled with advancements in stapling technology, is driving market growth. With increasing demand for precision in surgical procedures, surgical staplers are replacing conventional sutures, offering reduced procedural time and enhanced patient outcomes. By 2032, the market is estimated to surpass $10.2 billion as innovation and automation continue to shape the landscape.Market The U.S. Surgical Staplers Market has experienced steady growth in recent years and is expected to continue expanding at a strong pace from 2024 to 2032. 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Braun Melsungen AG (Melsungen, Germany) - Revenue: USD 8.7 billion Intuitive Surgical (Sunnyvale, CA, USA) - Revenue: USD 5.7 billion Get Latest PDF Sample Report @ https://www.cognateinsights.com/request-sample/us-surgical-staplers-market Our Report covers global as well as regional markets and provides an in-depth analysis of the overall growth prospects of the market. Global market trend analysis including historical data, estimates to 2024, and compound annual growth rate (CAGR) forecast to 2032 is given based on qualitative and quantitative analysis of the market segments involving economic and non-economic factors. Furthermore, it reveals the comprehensive competitive landscape of the global market, the current and future market prospects of the industry, and the growth opportunities and drivers as well as challenges and constraints in emerging and emerging markets. 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Arsenal moves up to second in the Premier League with a 1-0 win over Ipswich LONDON (AP) — Arsenal moved up to second place in the Premier League with a 1-0 home win against Ipswich on Friday. Mikel Arteta’s side is six points behind leader Liverpool, which has a game in hand. Canadian Press Dec 27, 2024 2:33 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Arsenal's Kai Havertz, center, celebrates after scoring the opening goal during the English Premier League soccer match between Arsenal and Ipswich at the Emirates Stadium in London, England, Friday, Dec. 27, 2024. (John Walton/PA via AP) LONDON (AP) — Arsenal moved up to second place in the Premier League with a 1-0 home win against Ipswich on Friday. Mikel Arteta’s side is six points behind leader Liverpool, which has a game in hand. Second-bottom Ipswich had won two of its last three away games but was up against it from the start at the Emirates. The visitors did not have one touch in the Gunners’ box during the first 45 minutes and, although Ipswich showed signs of life after the break, it was Arsenal which continued to dominate the game, marshaled by Declan Rice in midfield. Kai Havertz got the only goal midway through the first half when he knocked in a cross from Leandro Trossard. Havertz, Rice, Mikel Merino, Martin Odegaard and Gabriel Jesus all had chances but none of them could add to Arsenal’s tally. “It’s so tough, every team is tough to break down," Havertz said. "They fight for each other and at the end we’re very proud for the win.” Arsenal is a point above third-place Chelsea and two points clear of season surprise team Nottingham Forest in fourth. Seagulls and Bees share the points on south coast Brighton had most of the chances but could not find the net in a 0-0 draw with Brentford that extended the south coast club’s winless run to six league games. It was a frustrating night for the home side and especially Julio Enciso. The Paraguay striker had a host of opportunities to score but couldn’t make them count. Along with Southampton, Brentford has the worst away record in the league with seven losses and two draws and it was easy to see why in this toothless performance. Brentford had an early goal from Yoane Wissa ruled out for offside and, although it came a bit more into the game in the second half, it failed to pressure Icelandic goalkeeper Hakon Valdimarsson, who made his Premier League debut eight minutes before halftime when Mark Flekken went off with a thigh injury. One bright spot for the home side was the return of winger Solly March. He came on as a late substitute to make his first appearance for Brighton since injuring a knee against Manchester City 14 months ago. The result leaves Brighton in 10th place with 26 points, one spot and two points ahead of the Bees. ___ AP soccer: https://apnews.com/hub/soccer The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Get your daily Victoria news briefing Email Sign Up More Soccer Union Berlin fires coach Bo Svensson after 9 games without a win Dec 27, 2024 12:00 PM Ronaldo backs Amorim at Man United, picks Vinicius over Rodri at soccer awards Dec 27, 2024 11:33 AM Haaland penalty failure and Fernandes red card pile on woes for City and United in Premier League Dec 26, 2024 2:31 PM
The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. Related Articles “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even . “It’s a fun excuse to meet up with a friend.”Tom Brady's Los Angeles mansion pictured: Sprawling residence appears complete following construction
LONDON (AP) — A civil jury in Ireland finds that mixed martial arts fighter Conor McGregor assaulted a woman in a hotel. (CORRECTS: A previous APNewsAlert misstated the claim the jury found him liable for.).
Dy CM inaugurates IT Expo 2024 JAMMU: Deputy Chief Minister, Surinder Choudhary, inaugurated an IT Exhibition here on Friday. The event, aimed at to showcase the latest IT products, was participated by more than 40 top brands which are displaying their products and services. This event is meant for students, common public and GeM buyers (Govt Departments) as well. It also envisages promotion of local traders so that government IT purchases are done through local traders. While interacting with the organisers, the Deputy Chief Minister said organising these types of Expo gives an opportunity to the companies to showcase the latest innovations in the Information Technology field. Besides, these also serve as a medium of exchange between local companies and national players as well, he added. “We have to be aware of the latest technological interventions as it is imperative in the present age to be competitive and being relevant”, maintained the Deputy Chief Minister.Mountain America Credit Union Boosts BroncoLife with First Down Donation Program

Nendah Tarke scores 24 to help Towson defeat Morgan State 64-60
Antitrust enforcers with the Federal Trade Commission have opened a wide-ranging investigation into Microsoft's business practices, starting a big legal project that an incoming Trump administration must take up or abandon. The FTC is investigating Microsoft's cloud computing business and related product lines such as artificial intelligence and cybersecurity, according to a person who was not authorized to discuss details of the investigation publicly and spoke to The Associated Press on condition of anonymity. It's the latest action of more than three years of aggressive antitrust enforcement shepherded by FTC Chair Lina Khan, who was elevated to lead the agency by President Joe Biden after he came into office pledging tougher scrutiny of monopolistic behavior by Big Tech companies. Khan's FTC already lost one antitrust fight with Microsoft last year when a federal judge declined to block its $69 billion takeover of video game company Activision Blizzard. This case would go deeper into the core of Microsoft's business in a way the company hasn't experienced in the U.S. since its antitrust showdown with the Justice Department in the 1990s. Microsoft declined to comment. Bloomberg News first reported about the investigation last week. The case will only move forward if President-elect Donald Trump's choice to lead the FTC decides to continue the investigation and take it to court. Some analysts are expecting a lighter approach to the tech industry under Trump, though incoming Vice President JD Vance has praised Khan's work. A number of other tech-related antitrust matters are also in play, including the Department of Justice's investigation into chipmaker Nvidia and its push to break up Google — possibly spinning off the Chrome web browser — after a federal judge ruled Google maintained an illegal monopoly for the last decade. Matt O'brien, The Associated Press
LONDON :Arsenal moved up to second in the Premier League and within six points of Liverpool after a largely trouble-free, if slightly pedestrian, 1-0 win at home to struggling Ipswich Town on a chilly night in north London on Friday. A first-half goal from Kai Havertz, who pounced on a smart pull-back from Leandro Trossard, proved the winner although the hosts should have scored more as the Gunners' performance failed to provide many pre-New Year fireworks. Lacking the creativity of the injured Bukayo Saka, it took 19 minutes before Arsenal mustered their first shot although four minutes after that Havertz netted his sixth of the season in all competitions by tapping in Trossard's whipped cross. Ipswich had a spell of pressure after 10 minutes of the second half but it proved fleeting and Arsenal should have comfortably put the game to bed after that. Defender Gabriel Magalhaes missed a golden opportunity to extend his run of scoring from corners when he headed just wide when completely unmarked. Captain Martin Odegaard then blazed over after he danced from midfield into the visitors box. The win lifted Arsenal to 36 points behind Liverpool, who have 42 and a game in hand, and meant the Gunners leapfrogged both London rivals Chelsea, who have 35 points, and one of the season's surprise packages Nottingham Forest, fourth on 34. Arsenal manager Mikel Arteta told reporters he was "very happy with the victory, with the clean sheet and with large parts of the game. We should have scored more but it is the consistency, the team conceded nothing again. "Considering all the circumstances we had this season, the amount of times we had to play with 10 men, all the injuries that we had, it's good to be in the position that we are but it's not where we want to be. We want to be first." The Gunners next visit Brentford on New Year's Day and Brighton & Hove Albion on Jan. 4 before playing two domestic cup games and hosting local rivals Tottenham Hotspur on Jan. 15. SLOW START Friday's match started slowly as Arsenal kept the ball effortlessly early on, although it was mostly in non-threatening areas until Trossard burst to the byline after 23 minutes and fired the ball across for Havertz to prod in. Arsenal forward Gabriel Jesus thought he had added to his recent run of goals later in the half when he poked the ball through the Ipswich keeper Arijanet Muric's legs from an unfathomably tight angle but it was ruled out for offside. The home side created a handful of good chances in the final 20 minutes too with Odegaard, Havertz and Trossard all getting shots in but if Arsenal are to keep up their challenge on Liverpool they will need to demonstrate more clinical finishing. Ipswich remain second-bottom with 12 points from 18 games, three off the safety zone, before they host Chelsea on Monday. "The players worked really hard and we got the game to a good place in the second half after a good 20 minutes," Ipswich manager Kieran McKenna told the BBC. "Early on we were pinned in and couldn't get out but to be where we were after 89 minutes I was really pleased ... Some defending was good and we'll need that on Monday against Chelsea."Tarke added seven rebounds for the Tigers (4-2). Tomiwa Sulaiman scored 10 points and grabbed six rebounds. Christian May scored nine. The Bears (3-5) were led in scoring by Wynston Tabbs with 19 points. Kameron Hobbs had 13 points and Ahmarie Simpkins finished with nine points, three steals and two blocks. Towson went into halftime leading Morgan State 35-26. Tarke scored 14 points in the half. Towson used a 7-0 run in the second half to build an 11-point lead at 58-47 with 5:51 left in the half before finishing off the win. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .
Prime Gaming members get Star Wars: Bounty Hunter, DREDGE, and 16 more games in DecemberAvoid credit shock and check your credit rating online before applying for a loan. Applying for a home loan? You might want to check your credit score before going ahead. Even better – check your credit history, says Canstar data insights director Sally Tindall. While there are a range of things that ruin credit scores, poor credit conduct being a big one, lenders look much deeper than the numerical values assigned to us by credit reporting bodies when assessing the risk we pose as borrowers, she says. “A lender might look at your credit score as a quick way of checking for any red flags but, far more importantly, they will be going through your credit history line-by-line to see how you’ve managed debts in the past, along with what debts you currently have,” she says. “If you are gearing up to apply for a home loan, it’s worth ordering a copy of your credit report so you can be across what the bank is going to learn about you when they inevitably go and read through your credit history.” Lenders don’t just look at your credit score – they also check your full credit history. BAD HISTORY LOWERS YOUR SCORE When it comes to the things that actually give you a low and therefore bad credit score, poor credit history often tops the list, says mortgage broker Andrew Rennie from Helping Hand Finance. MORE: ‘Unfair’ bank lending policy under fire When to actually expect rate cut “You might think that only being a few days late on paying your bills is no big deal and saving you money, but late payments on things like credit cards and utility bills can decrease your score,” Rennie says. Helping Hand Finance mortgage broker Andrew Rennie. Since a credit report looks at the previous 24 months of conduct, it often takes quite some time before a borrower’s slate can be wiped clean. “Having credit cards or personal loans in arrears also impacts credit scores, as does multiple instances of late payments of 30-plus days,” he adds. “Applying for hardship or repayment holidays with lenders also brings your credit score down.” Mortgage broker Daniel O’Brien from PFS Financial Services says defaults, court judgments and bankruptcy are the worst offenders when it comes to ruining a borrower’s credit score. “Applying for short term ‘payday’ loans” also has an impact, he says. A good mortgage broker will check your credit history and score before lodging any applications. SHOPPING FOR LOANS If you are applying for multiple home loan applications it could affect your credit report, says Tindall. “Frequent applications can signal to lenders that you may be experiencing financial difficulties, while in other cases it might be that you’re just shopping around,” she says. “Each new credit application is typically listed on your report, including the ones that are rejected.” “That said, the diligence of banks in the home loan assessment process means a handful of credit inquiries that can easily be explained is unlikely to trip you up.” Needing to roll over a pre-approval multiple times doesn’t tend to affect a borrower’s credit score, says Rennie. Rolling over your pre-approval generally doesn’t affect your credit score. “Any lenders that extend a pre-approval generally just want evidence that your financial situation hasn’t changed and will generally want updated pay slips and confirmation from the borrower that their circumstances are the same before extending a pre-approval,” he says. Tindall says “While home loan pre-approvals show up on your credit file, try not to let this stress you out too much, even if you have to roll it over for another few months because you haven’t yet found the home of your dreams.” “This is quite a normal process for someone looking to buy a home, particularly in a market where stock has been in short supply. “If your new bank asks, you’ve got a very reasonable explanation at the ready.” Canstar Data Insights director Sally Tindall. Picture: supplied ACE YOUR CREDIT SCORE A good credit history is key to keeping a good credit score and essential if you want to maximise your chances of being approved for a home loan. Here are a few things that may help to keep your credit score in healthy shape. 1. Check your credit score and credit report for free online 2. Make a habit out of paying every bill on time 3. If you think you’re in danger of missing a bill, contact your provider in advance to discuss your options 4. Avoid applying for multiple home loans and engage a mortgage broker instead 5. Understand that taking repayment pauses will bring your credit score down 6. Get rid of Buy-Now-Pay-Later facilities, which Rennie says reduce your credit score and affect your borrowing capacity MORE: Outrage as Aussies can’t afford to live in Australia Loo-dicrous way to add thousands to your home value Where you can invest for under $500k
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BOSTON, Dec. 02, 2024 (GLOBE NEWSWIRE) -- The New America High Income Fund, Inc. (the “Fund”) (NYSE: HYB) announced today that it will pay a distribution of $.04 per share on the company’s common stock on December 31, 2024 to common shareholders of record as of the close of business on December 17, 2024. The ex-dividend date will be December 17th. The Fund has released updated portfolio data which can be found on the Fund’s website at www.newamerica-hyb.com . The New America High Income Fund, Inc. is a diversified, closed-end management investment company with a leveraged capital structure. The Fund’s investment adviser is T. Rowe Price Associates, Inc. (“T. Rowe Price”). As of September 30, 2024, T. Rowe Price and its affiliates managed approximately $1.6 trillion of assets, including approximately $20 billion of “high yield” investments. T. Rowe Price has provided investment advisory services to investment companies since 1937. Contact: Ellen E. Terry, President Telephone: 617-263-6400 www.newamerica-hyb.com
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U.S. Surgical Staplers Market Set for Exceptional Growth in the Forecast 2024-2032 12-27-2024 07:16 PM CET | Health & Medicine Press release from: Cognate Insights U.S. Surgical Staplers Market Latest Market Overview The U.S. surgical staplers market is projected to achieve a valuation of $5.8 billion in 2024, expanding at a compound annual growth rate (CAGR) of 7.6% between 2024 and 2032. The growing adoption of minimally invasive surgeries, coupled with advancements in stapling technology, is driving market growth. With increasing demand for precision in surgical procedures, surgical staplers are replacing conventional sutures, offering reduced procedural time and enhanced patient outcomes. By 2032, the market is estimated to surpass $10.2 billion as innovation and automation continue to shape the landscape.Market The U.S. Surgical Staplers Market has experienced steady growth in recent years and is expected to continue expanding at a strong pace from 2024 to 2032. This analysis offers a comprehensive overview, providing valuable insights into key trends and developments within the U.S. Surgical Staplers industry. These findings equip business leaders with the necessary knowledge to devise more effective strategies and enhance profitability. Furthermore, the report serves as a useful resource for new and emerging businesses, helping them make informed decisions as they navigate the market and seek growth opportunities. Major Players of U.S. Surgical Staplers Market are: Medtronic (Dublin, Ireland) - Revenue: USD 30.12 billion Johnson & Johnson (New Brunswick, NJ, USA) - Revenue: USD 94.94 billion Stryker Corporation (Kalamazoo, MI, USA) - Revenue: USD 20.1 billion B. Braun Melsungen AG (Melsungen, Germany) - Revenue: USD 8.7 billion Intuitive Surgical (Sunnyvale, CA, USA) - Revenue: USD 5.7 billion Get Latest PDF Sample Report @ https://www.cognateinsights.com/request-sample/us-surgical-staplers-market Our Report covers global as well as regional markets and provides an in-depth analysis of the overall growth prospects of the market. Global market trend analysis including historical data, estimates to 2024, and compound annual growth rate (CAGR) forecast to 2032 is given based on qualitative and quantitative analysis of the market segments involving economic and non-economic factors. Furthermore, it reveals the comprehensive competitive landscape of the global market, the current and future market prospects of the industry, and the growth opportunities and drivers as well as challenges and constraints in emerging and emerging markets. Global U.S. Surgical Staplers Market Landscape and Future Pathways: North America: United States Canada Europe: Germany France U.K. Italy Russia Asia-Pacific: China Japan South Korea India Australia China Taiwan Indonesia Thailand Malaysia Latin America: Mexico Brazil Argentina Korea Colombia Middle East & Africa: Turkey Saudi Arabia UAE Korea Speak to Our Analyst for A Discussion on The Above Findings, And Ask for A Discount on The Report @ https://www.cognateinsights.com/check-discount/us-surgical-staplers-market Key drivers and challenges influencing the U.S. Surgical Staplers market: Regional Analysis: The report involves examining the U.S. Surgical Staplers market at a regional or national level. Report analyses regional factors such as government incentives, infrastructure development, economic conditions, and consumer behaviour to identify variations and opportunities within different markets. 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Reason to Buy this Report: -Analysis of the impact of technological advancements on the market and the emerging trends shaping the industry in the coming years. -Examination of the regulatory and policy changes affecting the market and the implications of these changes for market participants. -Overview of the competitive landscape in the U.S. Surgical Staplers market, including profiles of the key players, their market share, and strategies for growth. -Identification of the major challenges facing the market, such as supply chain disruptions, environmental concerns, and changing consumer preferences, and analysis of how these challenges will affect market growth. -Evaluation of the potential of new products and applications in the market, and analysis of the investment opportunities for market participants. For In-Depth Competitive Analysis - Purchase this Report now at @ https://www.cognateinsights.com/purchase-report/us-surgical-staplers-market Contact Us: Cognate Insights Web: www.cognateinsights.com Email: info@cognateinsights.com Phone: +91 8424946476 About Us: We are leaders in market analytics, business research, and consulting services for Fortune 500 companies, start-ups, financial & government institutions. Since we understand the criticality of data and insights, we have associated with the top publishers and research firms all specialized in specific domains, ensuring you will receive the most reliable and up to date research data available. To be at our client's disposal whenever they need help on market research and consulting services. We also aim to be their business partners when it comes to making critical business decisions around new market entry, M&A, competitive Intelligence and strategy. This release was published on openPR.
Arsenal moves up to second in the Premier League with a 1-0 win over Ipswich LONDON (AP) — Arsenal moved up to second place in the Premier League with a 1-0 home win against Ipswich on Friday. Mikel Arteta’s side is six points behind leader Liverpool, which has a game in hand. Canadian Press Dec 27, 2024 2:33 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Arsenal's Kai Havertz, center, celebrates after scoring the opening goal during the English Premier League soccer match between Arsenal and Ipswich at the Emirates Stadium in London, England, Friday, Dec. 27, 2024. (John Walton/PA via AP) LONDON (AP) — Arsenal moved up to second place in the Premier League with a 1-0 home win against Ipswich on Friday. Mikel Arteta’s side is six points behind leader Liverpool, which has a game in hand. Second-bottom Ipswich had won two of its last three away games but was up against it from the start at the Emirates. The visitors did not have one touch in the Gunners’ box during the first 45 minutes and, although Ipswich showed signs of life after the break, it was Arsenal which continued to dominate the game, marshaled by Declan Rice in midfield. Kai Havertz got the only goal midway through the first half when he knocked in a cross from Leandro Trossard. Havertz, Rice, Mikel Merino, Martin Odegaard and Gabriel Jesus all had chances but none of them could add to Arsenal’s tally. “It’s so tough, every team is tough to break down," Havertz said. "They fight for each other and at the end we’re very proud for the win.” Arsenal is a point above third-place Chelsea and two points clear of season surprise team Nottingham Forest in fourth. Seagulls and Bees share the points on south coast Brighton had most of the chances but could not find the net in a 0-0 draw with Brentford that extended the south coast club’s winless run to six league games. It was a frustrating night for the home side and especially Julio Enciso. The Paraguay striker had a host of opportunities to score but couldn’t make them count. Along with Southampton, Brentford has the worst away record in the league with seven losses and two draws and it was easy to see why in this toothless performance. Brentford had an early goal from Yoane Wissa ruled out for offside and, although it came a bit more into the game in the second half, it failed to pressure Icelandic goalkeeper Hakon Valdimarsson, who made his Premier League debut eight minutes before halftime when Mark Flekken went off with a thigh injury. One bright spot for the home side was the return of winger Solly March. He came on as a late substitute to make his first appearance for Brighton since injuring a knee against Manchester City 14 months ago. The result leaves Brighton in 10th place with 26 points, one spot and two points ahead of the Bees. ___ AP soccer: https://apnews.com/hub/soccer The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Get your daily Victoria news briefing Email Sign Up More Soccer Union Berlin fires coach Bo Svensson after 9 games without a win Dec 27, 2024 12:00 PM Ronaldo backs Amorim at Man United, picks Vinicius over Rodri at soccer awards Dec 27, 2024 11:33 AM Haaland penalty failure and Fernandes red card pile on woes for City and United in Premier League Dec 26, 2024 2:31 PM
The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. Related Articles “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even . “It’s a fun excuse to meet up with a friend.”Tom Brady's Los Angeles mansion pictured: Sprawling residence appears complete following construction
LONDON (AP) — A civil jury in Ireland finds that mixed martial arts fighter Conor McGregor assaulted a woman in a hotel. (CORRECTS: A previous APNewsAlert misstated the claim the jury found him liable for.).
Dy CM inaugurates IT Expo 2024 JAMMU: Deputy Chief Minister, Surinder Choudhary, inaugurated an IT Exhibition here on Friday. The event, aimed at to showcase the latest IT products, was participated by more than 40 top brands which are displaying their products and services. This event is meant for students, common public and GeM buyers (Govt Departments) as well. It also envisages promotion of local traders so that government IT purchases are done through local traders. While interacting with the organisers, the Deputy Chief Minister said organising these types of Expo gives an opportunity to the companies to showcase the latest innovations in the Information Technology field. Besides, these also serve as a medium of exchange between local companies and national players as well, he added. “We have to be aware of the latest technological interventions as it is imperative in the present age to be competitive and being relevant”, maintained the Deputy Chief Minister.Mountain America Credit Union Boosts BroncoLife with First Down Donation Program