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Bank of America signs again with FIFA for US-hosted Club World Cup that still has no TV dealsAmericans need another disco ball to dance underMetal Beverage Cans Market 2024 Set for Major Growth Surge Over the Next Decade

The Premier League have championed the Rainbow Laces campaign over the past two matchdays, with the captains of every team in the top flight encouraged to wear a rainbow armband. Every captain in the division, barring Sam Morsy of Ipswich who is a practising Muslim, opted to wear the themed armband and support the cause. However, in both games , first against Newcastle on Saturday, Guehi has added his own message to the armband. Guehi, raised a Christian by his church minister father, added 'I love Jesus' to the armband against Newcastle before adapting the message to 'Jesus loves you' against Ipswich on Tuesday. The FA strictly prohibits political and religious slogans on sports equipment and reminded Guehi of the rules ahead of Tuesday night's game at Portman Road. Yet, the Eagles defender ignored the FA's explicit warning and could now face punishment from the association. Speaking on Guehi’s decision to adorn the religious message on the armband, Crystal Palace boss Oliver Glasner said: “We respect every single player, especially Marc as our captain. I think everyone who knows him knows that he’s a fantastic player, a great guy - very humble. “We shouldn’t make it bigger than he is. He is very respectful of everyone at the club. All of us in football are against discrimination and abuse. It’s a great campaign [Rainbow Laces]. “We spoke about it. I speak to Marc quite often, he’s my captain. He’s no child. He’s an adult who has his opinion. “We accept and respect every opinion. The quote of this campaign is to be tolerant, Marc is very tolerant - everything is fine.”Japanese boy band ONE OR EIGHT chatted about their new music, which includes their single “KAWASAKI” with Big Sean. An eight-member boy group, ONE OR EIGHT features such Japanese band members as MIZUKI, NEO, REIA, RYOTA, SOUMA, TAKERU, TSUBASA and YUGA. The group’s name ONE OR EIGHT is a reference to a Japanese phrase that means “All or Nothing.” On their new song “KAWASAKI,” TSUBASA remarked, “Before our debut, we had the opportunity to perform in Los Angeles. Big Sean was there at the performance, and we got the chance to talk with him. When we heard that we’d be collaborating with him on ‘KAWASAKI,’ we were honestly super surprised and honored!” On working with Big Sean, TAKERU stated, “We’re so excited to have had the chance to create this music video with Big Sean, a true legend in the hip-hop scene. We were definitely a bit nervous at first, but his down-to-earth, friendly vibe instantly put us at ease, and the whole shoot ended up going so smoothly.” TAKERU continued, “When the cameras started rolling, he completely transformed—his cool presence, his movements, and his expressions during the performance were just on another level.” “Watching him from behind the scenes, we couldn’t help but think, ‘This is what it means to be a global star.’ It was such a surreal experience, like being in a dream the entire time,” TAKERU added. On their music and songwriting inspirations, NEO said, “Reading novels and watching movies are definitely a huge part of my artistic inspiration. I tend to write down phrases and concepts that I find interesting and try to incorporate them in my craft.” “Besides this, I also try to perceive the events and emotions I go through everyday from different perspectives and sizes. This keeps my creative antennas sharp and keeps me inspired regardless of a tight schedule,” NEO added. On being a part of the digital age, where streaming, technology and social media are so prevalent, REIA said, “In this day and age, we can share information about ONE OR EIGHT with our fans much faster.” “I think the speed of information is a major advantage of living in the digital age,” REIA acknowledged. For young and aspiring artists, MIZUKI said, “I would advise having a strong determination to achieve your goals!” “Personally, before our debut, even when my friends were out having fun, I knew that what I needed most was to practice. Instead of giving in to the temptations to go out or take a break, I kept working hard step by step, and in the end, I was able to be chosen as a debut member,” MIZUKI elaborated. “That’s why I truly believe that having a strong determination is essential for reaching your goals,” MIZUKI added. SOUMA listed the late but great Michael Jackson as his dream collaboration choice in music. “My role model is Michael Jackson. I dream of one day being able to collaborate with his music!” SOUMA exclaimed. Regarding his definition of the word success, RYOTA shared, “The word ‘success’ doesn’t exist in my vocabulary. Success often feels like it implies reaching a goal or an endpoint, but to me, there’s no such thing as a final goal. If you reach the goal, there’s nothing beyond it.” “I believe in always striving one step ahead of any goal. Success isn’t something I’d define for myself – I think it’s something others recognize and express,” RYOTA explained. For their fans and supporters, YUGA remarked about “KAWASAKI,” “I hope you all get a chance to listen to ‘KAWASAKI’ with Big Sean and enjoy the music video!” “We want our fans to know that we will continue working hard and won’t slow down, like a KAWASAKI bike,” YUGA concluded. “KAWASAKI” is available on digital service providers by clicking here . To learn more about ONE OR EIGHT, check out their official homepage and follow them on Instagram . Markos Papadatos is Digital Journal's Editor-at-Large for Music News.Papadatos is a Greek-American journalist and educator that has authored over 22,000 original articles over the past 18 years. He has interviewed some of the biggest names in music, entertainment, lifestyle, magic, and sports. He is a 16-time "Best of Long Island" winner, where for three consecutive years (2020, 2021, and 2022), he was honored as the "Best Long Island Personality" in Arts & Entertainment, an honor that has gone to Billy Joel six times.Asking Eric: I’m frustrated by a waitress interrupting my order

Donald Trump’s transition team is taking aim at a Biden-era rule requiring automakers and tech companies to report crashes that involve fully or partially autonomous vehicles, . Scrapping the crash reporting rule would greatly benefit Tesla, which to date, has . In 2021, the National Highway Traffic Safety Administration (SGO) requiring automakers and tech companies to report crashes involving autonomous vehicles as well as Level 2 driver-assist systems found in millions of vehicles on the road today. Companies are now required to document collisions when an automated driving system was in use within 30 seconds of impact and report those incidents to the government. The idea was to create more transparency around the deployment of a new technology that purports to improve safety but has also been tied to a number of deadly incidents. Regulators argued that more data was needed to determine whether these new systems were making roads safer or simply making driving more convenient. Tesla, in particular, came under scrutiny. The company’s Autopilot and Full Self-Driving features, which are considered Level 2 systems that require drivers to pay attention, are both covered under the rule. Since it was implemented, Tesla has reported over 1,500 crashes to the federal government, says. An analysis of the crash data shows Tesla accounted for 40 out of 45 fatal crashes reported to NHTSA through October of this year. Tesla’s numbers were much higher than other companies, most likely due to the fact that it sells more vehicles equipped with Level 2 systems than its rivals and collects more data. But it also resulted in a huge headache for the company. NHTSA has into Tesla’s driver-assist technology, most of which centered on crashes reported under the SGO. Several sources close to Tesla told that the company “despises” the standing general order and concluded that it would need a change in administration in order to get rid of it. Tesla CEO Elon Musk was one of Trump’s most vocal defenders, spending at least $277 million of his own money to back his campaign. Musk has since been appointed to head the with the goal of cutting government spending. Trump is also considering , including generous subsidies for EV companies. Musk believes Tesla is better positioned to weather a subsidy-free environment than other automakers due to its scale and maturity. Musk is also lobbying Trump to ease restrictions on fully autonomous vehicles in advance of Tesla’s plans to produce its own .Kim De Serpa begins transition into role as 2nd District Santa Cruz County supervisor

Under bipartisan pressure to clear the way for of his administration picks, transition team announced Tuesday that they entered into an agreement with the Department of Justice for background checks and security clearances. The move comes after weeks of speculation about whether Trump would follow the normal procedures for presidential transitions for digging into the backgrounds of those proposed for top federal jobs. Some top Republicans for the FBI to conduct background checks of Trump's nominees to lead to key agencies. “The background checks are important," said Sen. Roger Wicker, R-Miss. The Trump transition said the agreement signed Tuesday would allow them "to submit names for background checks and security clearances" to the Justice Department. “This agreement with the Department of Justice will ensure President Trump and his team are ready on Day 1 to begin enacting the America First Agenda that an overwhelming majority of our nation supported on Election Day,” Trump chief of staff Susie Wiles said in a statement. The backgrounds of some Trump nominees are raising concerns. Former Rep. from consideration as Trump's attorney general pick after meeting resistance. Gaetz was investigated but never charged by the DOJ over sex trafficking allegations, which he denies. Pete Hegseth, Trump's nominee for defense secretary, was accused of sexual assault but never charged and denies the allegations. He paid a financial settlement to his accuser. Other allegations have surfaced from the years Hegseth oversaw two veterans' groups. A whistleblower report alleged Hegseth had been forced out of the non-profit groups for personal misconduct, mismanagement of funds and intoxication on the job. indicated Trump's team was not using the FBI to screen nominees for top jobs. Amid the escalating controversy surrounding Hegseth, some senators have been outspoken about the need for a deep look into the background of every nominee. "It’s important that we thoroughly vet the nominees for these very important decisions,” Sen. Susan Collins, R-Maine, said of the defense secretary pick. The Department of Justice did not immediately respond to a request for comment about the MOU.

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Valencia floods: accountability sought Paiporta, one of the hardest-hit towns in Spain’s Valencia floods, is grappling with devastation, more than 200 deaths, and rising public anger. Accusations of political negligence have led to protests and demands for accountability from regional leader Carlos Mazon, Prime Minister Pedro Sanchez, and even the monarchy. In this episode, Paiporta’s mayor, Maribel Albalat Asensi, talks to Al Jazeera about the government’s handling of the crisis, the community’s fight for justice, and the lessons to be learned.As the owner of a money management company for local households, I am used to fielding questions on A) complex financial issues that require sophisticated solutions and B) the buzzwords of the moment. Investors tend to be in tune with the economic and market zeitgeist. I am always happy to converse about the things that excite, scare, or interest us the most—even if those feelings are sometimes just placeholders until the next latest thing buzzes in our ear and needs to be swatted away (or toward!) our investment portfolios. The Investopedia website isn’t short on queries, either. Investopedia publishes investment news and boasts millions of readers each year. Those readers use the website’s search tool to understand the dynamics affecting their portfolios or household economics. The following are Investopedia’s most searched terms of 2024: Inflation, as measured by the Consumer Price Index (CPI), went from 2.6 percent in March 2021 to a staggeringly high 9.1 percent in June 2022 and worked its way back to 2.7 percent in October 2024. The cost of goods and services has dominated the conversation for three years. However, many households (i.e., non-economists) care more about the level of prices than the rate of inflation. The inflation rate may be going down, but that only means prices are rising at a slower rate; the cost of things, aggregately, is much higher than before the pandemic. It is such a weight on families that it likely was a pivotal factor in the U.S. election, as many Americans cited the economy as their top issue. Speaking of inflation, the U.S. election almost certainly spurred the search for information on tariffs. A tariff is a tax that a country’s government imposes on goods imported from another country. They are a trade barrier that can serve several purposes. During his first term, President Donald Trump levied tariffs on approximately $380 billion of products, which translated to an imposition of nearly $80 billion of taxes on Americans. That was one of the largest tax increases in decades. President Biden maintained those tariffs and added additional tariffs on $18 billion of goods. During the U.S. presidential campaign, then-former President Trump (now president-elect) often pushed for even more tariffs. Most textbooks contend tariffs are inflationary. Given households’ sensitivity to prices, it is understandable that investors are worried about how that might affect them. I probably wrote more about Nvidia in “Capital Ideas” in 2024 than any other company. And, by far, the most frequently asked question I would get at the grocery store, coffee shop, or gym in 2024 was “Should I buy Nvidia?” Nobody ever liked my answer (even though they didn’t seem to mind I had no idea of their financial needs, goals, timeline, risk tolerance, cash needs, etc.), which was: “Yes, most people should absolutely buy the S&P 500 index, which has more than a six percent allocation to the stock.” When I talked to people, they didn’t care what the company did. They didn’t care about the earnings. They didn’t want to talk to me about data clusters, artificial intelligence, or chip design. They weren’t interested in a company; they were interested in a return. Seeing how the stock is up more than 150 percent year to date, I see how that would interest people, no matter what the company did. (FYI, I did a quick search just now and stopped at finding 10 stocks that are up more than 500 percent year to date. But nothing gathers a crowd like a crowd.) I was surprised by this one. I can only imagine that the interest in Nvidia spread to this term. In June 2024, the company split 10 to one. Nvidia was among 477 companies in 2024 that issued stock splits or reverse stock splits. The sheer size of the national debt ($36 trillion) was possibly enough to prompt investors to search for more information. But I doubt that was enough. One thing I have learned in life is that numbers are only relevant when there is relativity. In 2024, the interest payments on the national debt surpassed the cost of national defense and Medicare for the first time. That certainly puts things in perspective. The cost of home insurance skyrocketed in 2024. Unfortunately, homeowners simultaneously had to stomach the fact that insurers in some states would not cover every natural disaster. Some insurers completely abandoned covering certain states. Former students experienced many ups and downs in 2024. The Biden administration pushed to wipe out the student loans of tens of millions of borrowers. Then, the 8th Circuit Court of Appeals struck down the plan. Then, President Biden struck back and pushed through a smaller-scale program. There was a lot to learn and a lot to navigate. I don’t know about you, but I tried to keep as much money as possible out of banks this year—the interest paid on deposits was insulting. Although interest rates were the highest they have been for decades, banks were paying practically zero on deposits. Many banks tried to attract deposits by offering higher yields on Certificates of Deposits (CDs), but that was a poor option compared to high-yield savings accounts, such as the Schwab Value Advantage Money Fund, which typically paid a similar amount or more and weren’t locked away from you by the bank for months. Enough said? If not, just know that its price skyrocketed to $100,000 per coin. Nothing attracts attention to an “investment” like a rapidly increasing price (even if the buyer doesn’t have any clue how to value it). In a clear indication that investing became gambling and gambling became investing in 2024, the 10th most searched term on Investopedia had more to do with straight-up taking flyers. Of particular interest to the Investopedia crowd was the ability and interest to bet on the outcome of the U.S. elections. A backdoor Roth IRA is a tax-avoidance strategy that allows higher-income earners to contribute tax free to a Roth IRA. It is good to know that some investors were also interested in financial planning, not just rolling the dice. Allen Harris is an owner of Berkshire Money Management in Great Barrington and Dalton, managing more than $700 million of investments. Unless specifically identified as original research or data gathering, some or all of the data cited is attributable to third-party sources. Unless stated otherwise, any mention of specific securities or investments is for illustrative purposes only. Advisor’s clients may or may not hold the securities discussed in their portfolios. Advisor makes no representations that any of the securities discussed have been or will be profitable. Full disclosures here . Direct inquiries to Allen at AHarris@BerkshireMM.com.

After Sharing Switch 2 Images, Dbrand Is Back With Actual Measurements777pub free coins

Bank of America signs again with FIFA for US-hosted Club World Cup that still has no TV dealsAmericans need another disco ball to dance underMetal Beverage Cans Market 2024 Set for Major Growth Surge Over the Next Decade

The Premier League have championed the Rainbow Laces campaign over the past two matchdays, with the captains of every team in the top flight encouraged to wear a rainbow armband. Every captain in the division, barring Sam Morsy of Ipswich who is a practising Muslim, opted to wear the themed armband and support the cause. However, in both games , first against Newcastle on Saturday, Guehi has added his own message to the armband. Guehi, raised a Christian by his church minister father, added 'I love Jesus' to the armband against Newcastle before adapting the message to 'Jesus loves you' against Ipswich on Tuesday. The FA strictly prohibits political and religious slogans on sports equipment and reminded Guehi of the rules ahead of Tuesday night's game at Portman Road. Yet, the Eagles defender ignored the FA's explicit warning and could now face punishment from the association. Speaking on Guehi’s decision to adorn the religious message on the armband, Crystal Palace boss Oliver Glasner said: “We respect every single player, especially Marc as our captain. I think everyone who knows him knows that he’s a fantastic player, a great guy - very humble. “We shouldn’t make it bigger than he is. He is very respectful of everyone at the club. All of us in football are against discrimination and abuse. It’s a great campaign [Rainbow Laces]. “We spoke about it. I speak to Marc quite often, he’s my captain. He’s no child. He’s an adult who has his opinion. “We accept and respect every opinion. The quote of this campaign is to be tolerant, Marc is very tolerant - everything is fine.”Japanese boy band ONE OR EIGHT chatted about their new music, which includes their single “KAWASAKI” with Big Sean. An eight-member boy group, ONE OR EIGHT features such Japanese band members as MIZUKI, NEO, REIA, RYOTA, SOUMA, TAKERU, TSUBASA and YUGA. The group’s name ONE OR EIGHT is a reference to a Japanese phrase that means “All or Nothing.” On their new song “KAWASAKI,” TSUBASA remarked, “Before our debut, we had the opportunity to perform in Los Angeles. Big Sean was there at the performance, and we got the chance to talk with him. When we heard that we’d be collaborating with him on ‘KAWASAKI,’ we were honestly super surprised and honored!” On working with Big Sean, TAKERU stated, “We’re so excited to have had the chance to create this music video with Big Sean, a true legend in the hip-hop scene. We were definitely a bit nervous at first, but his down-to-earth, friendly vibe instantly put us at ease, and the whole shoot ended up going so smoothly.” TAKERU continued, “When the cameras started rolling, he completely transformed—his cool presence, his movements, and his expressions during the performance were just on another level.” “Watching him from behind the scenes, we couldn’t help but think, ‘This is what it means to be a global star.’ It was such a surreal experience, like being in a dream the entire time,” TAKERU added. On their music and songwriting inspirations, NEO said, “Reading novels and watching movies are definitely a huge part of my artistic inspiration. I tend to write down phrases and concepts that I find interesting and try to incorporate them in my craft.” “Besides this, I also try to perceive the events and emotions I go through everyday from different perspectives and sizes. This keeps my creative antennas sharp and keeps me inspired regardless of a tight schedule,” NEO added. On being a part of the digital age, where streaming, technology and social media are so prevalent, REIA said, “In this day and age, we can share information about ONE OR EIGHT with our fans much faster.” “I think the speed of information is a major advantage of living in the digital age,” REIA acknowledged. For young and aspiring artists, MIZUKI said, “I would advise having a strong determination to achieve your goals!” “Personally, before our debut, even when my friends were out having fun, I knew that what I needed most was to practice. Instead of giving in to the temptations to go out or take a break, I kept working hard step by step, and in the end, I was able to be chosen as a debut member,” MIZUKI elaborated. “That’s why I truly believe that having a strong determination is essential for reaching your goals,” MIZUKI added. SOUMA listed the late but great Michael Jackson as his dream collaboration choice in music. “My role model is Michael Jackson. I dream of one day being able to collaborate with his music!” SOUMA exclaimed. Regarding his definition of the word success, RYOTA shared, “The word ‘success’ doesn’t exist in my vocabulary. Success often feels like it implies reaching a goal or an endpoint, but to me, there’s no such thing as a final goal. If you reach the goal, there’s nothing beyond it.” “I believe in always striving one step ahead of any goal. Success isn’t something I’d define for myself – I think it’s something others recognize and express,” RYOTA explained. For their fans and supporters, YUGA remarked about “KAWASAKI,” “I hope you all get a chance to listen to ‘KAWASAKI’ with Big Sean and enjoy the music video!” “We want our fans to know that we will continue working hard and won’t slow down, like a KAWASAKI bike,” YUGA concluded. “KAWASAKI” is available on digital service providers by clicking here . To learn more about ONE OR EIGHT, check out their official homepage and follow them on Instagram . Markos Papadatos is Digital Journal's Editor-at-Large for Music News.Papadatos is a Greek-American journalist and educator that has authored over 22,000 original articles over the past 18 years. He has interviewed some of the biggest names in music, entertainment, lifestyle, magic, and sports. He is a 16-time "Best of Long Island" winner, where for three consecutive years (2020, 2021, and 2022), he was honored as the "Best Long Island Personality" in Arts & Entertainment, an honor that has gone to Billy Joel six times.Asking Eric: I’m frustrated by a waitress interrupting my order

Donald Trump’s transition team is taking aim at a Biden-era rule requiring automakers and tech companies to report crashes that involve fully or partially autonomous vehicles, . Scrapping the crash reporting rule would greatly benefit Tesla, which to date, has . In 2021, the National Highway Traffic Safety Administration (SGO) requiring automakers and tech companies to report crashes involving autonomous vehicles as well as Level 2 driver-assist systems found in millions of vehicles on the road today. Companies are now required to document collisions when an automated driving system was in use within 30 seconds of impact and report those incidents to the government. The idea was to create more transparency around the deployment of a new technology that purports to improve safety but has also been tied to a number of deadly incidents. Regulators argued that more data was needed to determine whether these new systems were making roads safer or simply making driving more convenient. Tesla, in particular, came under scrutiny. The company’s Autopilot and Full Self-Driving features, which are considered Level 2 systems that require drivers to pay attention, are both covered under the rule. Since it was implemented, Tesla has reported over 1,500 crashes to the federal government, says. An analysis of the crash data shows Tesla accounted for 40 out of 45 fatal crashes reported to NHTSA through October of this year. Tesla’s numbers were much higher than other companies, most likely due to the fact that it sells more vehicles equipped with Level 2 systems than its rivals and collects more data. But it also resulted in a huge headache for the company. NHTSA has into Tesla’s driver-assist technology, most of which centered on crashes reported under the SGO. Several sources close to Tesla told that the company “despises” the standing general order and concluded that it would need a change in administration in order to get rid of it. Tesla CEO Elon Musk was one of Trump’s most vocal defenders, spending at least $277 million of his own money to back his campaign. Musk has since been appointed to head the with the goal of cutting government spending. Trump is also considering , including generous subsidies for EV companies. Musk believes Tesla is better positioned to weather a subsidy-free environment than other automakers due to its scale and maturity. Musk is also lobbying Trump to ease restrictions on fully autonomous vehicles in advance of Tesla’s plans to produce its own .Kim De Serpa begins transition into role as 2nd District Santa Cruz County supervisor

Under bipartisan pressure to clear the way for of his administration picks, transition team announced Tuesday that they entered into an agreement with the Department of Justice for background checks and security clearances. The move comes after weeks of speculation about whether Trump would follow the normal procedures for presidential transitions for digging into the backgrounds of those proposed for top federal jobs. Some top Republicans for the FBI to conduct background checks of Trump's nominees to lead to key agencies. “The background checks are important," said Sen. Roger Wicker, R-Miss. The Trump transition said the agreement signed Tuesday would allow them "to submit names for background checks and security clearances" to the Justice Department. “This agreement with the Department of Justice will ensure President Trump and his team are ready on Day 1 to begin enacting the America First Agenda that an overwhelming majority of our nation supported on Election Day,” Trump chief of staff Susie Wiles said in a statement. The backgrounds of some Trump nominees are raising concerns. Former Rep. from consideration as Trump's attorney general pick after meeting resistance. Gaetz was investigated but never charged by the DOJ over sex trafficking allegations, which he denies. Pete Hegseth, Trump's nominee for defense secretary, was accused of sexual assault but never charged and denies the allegations. He paid a financial settlement to his accuser. Other allegations have surfaced from the years Hegseth oversaw two veterans' groups. A whistleblower report alleged Hegseth had been forced out of the non-profit groups for personal misconduct, mismanagement of funds and intoxication on the job. indicated Trump's team was not using the FBI to screen nominees for top jobs. Amid the escalating controversy surrounding Hegseth, some senators have been outspoken about the need for a deep look into the background of every nominee. "It’s important that we thoroughly vet the nominees for these very important decisions,” Sen. Susan Collins, R-Maine, said of the defense secretary pick. The Department of Justice did not immediately respond to a request for comment about the MOU.

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Valencia floods: accountability sought Paiporta, one of the hardest-hit towns in Spain’s Valencia floods, is grappling with devastation, more than 200 deaths, and rising public anger. Accusations of political negligence have led to protests and demands for accountability from regional leader Carlos Mazon, Prime Minister Pedro Sanchez, and even the monarchy. In this episode, Paiporta’s mayor, Maribel Albalat Asensi, talks to Al Jazeera about the government’s handling of the crisis, the community’s fight for justice, and the lessons to be learned.As the owner of a money management company for local households, I am used to fielding questions on A) complex financial issues that require sophisticated solutions and B) the buzzwords of the moment. Investors tend to be in tune with the economic and market zeitgeist. I am always happy to converse about the things that excite, scare, or interest us the most—even if those feelings are sometimes just placeholders until the next latest thing buzzes in our ear and needs to be swatted away (or toward!) our investment portfolios. The Investopedia website isn’t short on queries, either. Investopedia publishes investment news and boasts millions of readers each year. Those readers use the website’s search tool to understand the dynamics affecting their portfolios or household economics. The following are Investopedia’s most searched terms of 2024: Inflation, as measured by the Consumer Price Index (CPI), went from 2.6 percent in March 2021 to a staggeringly high 9.1 percent in June 2022 and worked its way back to 2.7 percent in October 2024. The cost of goods and services has dominated the conversation for three years. However, many households (i.e., non-economists) care more about the level of prices than the rate of inflation. The inflation rate may be going down, but that only means prices are rising at a slower rate; the cost of things, aggregately, is much higher than before the pandemic. It is such a weight on families that it likely was a pivotal factor in the U.S. election, as many Americans cited the economy as their top issue. Speaking of inflation, the U.S. election almost certainly spurred the search for information on tariffs. A tariff is a tax that a country’s government imposes on goods imported from another country. They are a trade barrier that can serve several purposes. During his first term, President Donald Trump levied tariffs on approximately $380 billion of products, which translated to an imposition of nearly $80 billion of taxes on Americans. That was one of the largest tax increases in decades. President Biden maintained those tariffs and added additional tariffs on $18 billion of goods. During the U.S. presidential campaign, then-former President Trump (now president-elect) often pushed for even more tariffs. Most textbooks contend tariffs are inflationary. Given households’ sensitivity to prices, it is understandable that investors are worried about how that might affect them. I probably wrote more about Nvidia in “Capital Ideas” in 2024 than any other company. And, by far, the most frequently asked question I would get at the grocery store, coffee shop, or gym in 2024 was “Should I buy Nvidia?” Nobody ever liked my answer (even though they didn’t seem to mind I had no idea of their financial needs, goals, timeline, risk tolerance, cash needs, etc.), which was: “Yes, most people should absolutely buy the S&P 500 index, which has more than a six percent allocation to the stock.” When I talked to people, they didn’t care what the company did. They didn’t care about the earnings. They didn’t want to talk to me about data clusters, artificial intelligence, or chip design. They weren’t interested in a company; they were interested in a return. Seeing how the stock is up more than 150 percent year to date, I see how that would interest people, no matter what the company did. (FYI, I did a quick search just now and stopped at finding 10 stocks that are up more than 500 percent year to date. But nothing gathers a crowd like a crowd.) I was surprised by this one. I can only imagine that the interest in Nvidia spread to this term. In June 2024, the company split 10 to one. Nvidia was among 477 companies in 2024 that issued stock splits or reverse stock splits. The sheer size of the national debt ($36 trillion) was possibly enough to prompt investors to search for more information. But I doubt that was enough. One thing I have learned in life is that numbers are only relevant when there is relativity. In 2024, the interest payments on the national debt surpassed the cost of national defense and Medicare for the first time. That certainly puts things in perspective. The cost of home insurance skyrocketed in 2024. Unfortunately, homeowners simultaneously had to stomach the fact that insurers in some states would not cover every natural disaster. Some insurers completely abandoned covering certain states. Former students experienced many ups and downs in 2024. The Biden administration pushed to wipe out the student loans of tens of millions of borrowers. Then, the 8th Circuit Court of Appeals struck down the plan. Then, President Biden struck back and pushed through a smaller-scale program. There was a lot to learn and a lot to navigate. I don’t know about you, but I tried to keep as much money as possible out of banks this year—the interest paid on deposits was insulting. Although interest rates were the highest they have been for decades, banks were paying practically zero on deposits. Many banks tried to attract deposits by offering higher yields on Certificates of Deposits (CDs), but that was a poor option compared to high-yield savings accounts, such as the Schwab Value Advantage Money Fund, which typically paid a similar amount or more and weren’t locked away from you by the bank for months. Enough said? If not, just know that its price skyrocketed to $100,000 per coin. Nothing attracts attention to an “investment” like a rapidly increasing price (even if the buyer doesn’t have any clue how to value it). In a clear indication that investing became gambling and gambling became investing in 2024, the 10th most searched term on Investopedia had more to do with straight-up taking flyers. Of particular interest to the Investopedia crowd was the ability and interest to bet on the outcome of the U.S. elections. A backdoor Roth IRA is a tax-avoidance strategy that allows higher-income earners to contribute tax free to a Roth IRA. It is good to know that some investors were also interested in financial planning, not just rolling the dice. Allen Harris is an owner of Berkshire Money Management in Great Barrington and Dalton, managing more than $700 million of investments. Unless specifically identified as original research or data gathering, some or all of the data cited is attributable to third-party sources. Unless stated otherwise, any mention of specific securities or investments is for illustrative purposes only. Advisor’s clients may or may not hold the securities discussed in their portfolios. Advisor makes no representations that any of the securities discussed have been or will be profitable. Full disclosures here . Direct inquiries to Allen at AHarris@BerkshireMM.com.

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