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Release time: 2025-01-19 | Source: Unknown
80jili update
80jili update Schottky Barrier Diode Market | Business Growth, Development Factors, Current and Future Trends till 2031 | Seekway Technology Ltd. SeeReal Technologies GmbH Sony CorporationShare Tweet Share Share Email Managing healthcare expenses can be a daunting task, especially in a world where medical costs continue to rise. However, with the right strategies, tools, and awareness, it is possible to simplify these challenges. One effective way to achieve this is by leveraging health savings accounts (HSAs) and implementing sound medical expense management practices . Understanding Health Savings Accounts (HSAs) Health Savings Accounts (HSAs) are tax-advantaged accounts designed to help individuals save and pay for qualified medical expenses. These accounts are particularly beneficial for those enrolled in high-deductible health plans (HDHPs). By contributing to an HSA, individuals can build a financial safety net for unexpected healthcare costs. Key Features of HSAs: Tax Benefits: Contributions to HSAs are tax-deductible, and withdrawals for qualified medical expenses are tax-free. Additionally, any interest or investment earnings grow tax-free within the account. Flexibility: Funds in an HSA roll over year after year, unlike flexible spending accounts (FSAs) that often have a “use-it-or-lose-it” policy. Portability: HSAs remain with the account holder even if they change jobs or health insurance providers. Investment Opportunities: Some HSAs allow account holders to invest their funds in mutual funds or other financial instruments, increasing potential long-term growth . Why Medical Expense Management Matters Medical expense management goes beyond budgeting for routine costs. It involves understanding the nuances of healthcare spending, minimizing unnecessary expenses, and maximizing available resources. Poor management can lead to overwhelming debt, delayed medical care, or missed financial opportunities. Common Challenges in Medical Expense Management Unpredictable Costs: Medical emergencies can arise unexpectedly, leaving individuals financially strained. Lack of Transparency: Navigating healthcare costs can be confusing due to unclear pricing structures. Overlapping Coverage: Misunderstanding insurance policies can result in paying for services that are already covered. By adopting strategic approaches, individuals can overcome these challenges and gain better control over their medical finances. Tips for Simplifying Healthcare Costs Create a Budget for Medical Expenses Establishing a dedicated budget for healthcare can provide clarity and prevent overspending. Begin by reviewing past medical bills and estimating future needs. Include premiums, deductibles, copayments, and out-of-pocket expenses in the budget. Regularly update this plan to accommodate changes in health conditions or insurance coverage. Utilize Preventive Care Preventive care services, such as annual check-ups and screenings, are often covered at no additional cost under many insurance plans. These services help detect potential health issues early, reducing the likelihood of costly treatments later. Shop Around for Healthcare Services Healthcare providers may charge varying rates for the same services. Researching and comparing costs among different providers can lead to significant savings. Use online tools, such as price comparison websites, to find affordable options without compromising quality. Maximize Health Insurance Benefits Understanding your health insurance policy is essential for minimizing expenses. Take time to: Review what services are covered under your plan. Identify in-network providers to avoid higher out-of-pocket costs. Take advantage of perks like wellness programs or discounts on medications. Build and Maintain an HSA If eligible, contribute regularly to your HSA to accumulate funds for future medical expenses. Even small contributions can add up over time, providing a financial cushion for unexpected costs. Additionally, keep receipts for all healthcare expenses to ensure withdrawals comply with IRS regulations. Negotiate Medical Bills Many providers are open to negotiating bills, especially if you are paying out-of-pocket. Ask for itemized bills to ensure accuracy, and inquire about discounts or payment plans. Avoid Unnecessary Treatments Consult with healthcare professionals to confirm whether recommended treatments or tests are truly necessary. Second opinions can also provide valuable insights and prevent unnecessary spending. Leveraging Technology for Expense Management The rise of technology has made managing medical expenses easier than ever. Mobile apps, online platforms, and digital tools offer solutions for tracking spending, accessing insurance information, and finding cost-effective care. Popular Tools for Medical Expense Management: Expense Tracking Apps: Applications like Mint or GoodRx help monitor healthcare spending and identify savings opportunities. Telehealth Services: Virtual consultations reduce costs associated with in-person visits while providing convenient access to medical advice. Healthcare Cost Calculators: These tools estimate the potential costs of procedures, allowing for better financial planning. The Role of Employers in Simplifying Healthcare Costs Employers play a significant role in assisting employees with healthcare expense management. By offering comprehensive benefits and resources, they can alleviate some of the financial burdens on their workforce. Examples of Employer Contributions: HSAs with Employer Contributions: Some employers match employee contributions to HSAs, boosting savings. Health Reimbursement Arrangements (HRAs): HRAs allow employees to be reimbursed for qualified medical expenses not covered by insurance. Financial Wellness Programs: Workshops or counseling sessions on healthcare budgeting can empower employees to make informed decisions. Planning for the Future Medical expenses are likely to increase with age, making long-term planning essential. Individuals should consider factors such as potential chronic conditions, inflation, and changes in insurance policies. Diversifying savings through retirement accounts and HSAs can ensure sufficient funds for future needs. Steps for Long-Term Planning: Estimate Future Costs: Use healthcare cost calculators to project expenses during retirement. Invest Wisely: Consider investing HSA funds in options that offer growth potential. Review Insurance Options: Periodically reassess insurance coverage to ensure it meets evolving needs. Final Thoughts Simplifying healthcare costs requires a proactive and informed approach. By leveraging HSAs, adopting sound medical expense management strategies, and utilizing technology, individuals can achieve greater financial security. The key is to stay organized, informed, and prepared for any eventuality. With these tools and practices, navigating the complexities of healthcare becomes significantly easier, allowing you to focus on what truly matters—your health and well-being . Related Items: Health Savings Accounts (HSAs) , Medical Expenses , Simplifying Healthcare Costs Share Tweet Share Share Email Comments

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The Patriots, who suffered a sixth straight loss, were booed off the field by the remaining fans at Gillette Stadium as they fell to 3-13 on the season. But for the Chargers it was a job well done as the confident Herbert ensured a second post-season place in three seasons with another accomplished quarterback display. Herbert completed 28 of 38 passes and threw for 281 yards against a Patriots defense that caused few issues against the passing game. The Chargers took the lead late in the first quarter thanks to a beautiful 23-yard Herbert pass, superbly caught by the diving Derius Davis. After a Cameron Dicker field goal early in the second, Herbert found rookie receiver Ladd McConkey at the back of the end-zone with a pinpoint pass to make it 17-0. Patriots rookie quarterback Drake Maye had been forced out of the game in the first quarter after suffering a hit to the head by Cam Hart when running down the sideline. But Maye, who had been cleared to return for the second quarter, showed he was in good shape with a fine 36-yard touchdown pass to DeMario Douglas to give the Patriots some hope. But the Chargers ran away with the game with Herbert again connecting with McConkey, this time with a 40-yard pass down the middle and a two-yard rush from J.K Dobbins in the fourth completed the rout. Herbert's performance meant he set a new record for the most passing yards in the first five years of an NFL career -- passing Peyton Manning's tally of 20,618 yards. But the quarterback, who has yet to win a playoff game, was quick to give credit for his achievement to his team-mates. "It says so much about the guys we had catching those passes and a great offensive line giving me the time to get the ball off and (the defense) getting me the ball back," he said. "I couldn't have done it without them," he added. The Denver Broncos can clinch a place in the playoffs when they face the Bengals in Cincinnati later on Saturday. sev/nf

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Canadian Prime Minister Trudeau flies to Florida to meet with Trump after tariffs threat WEST PALM BEACH, Fla. (AP) — Canadian Prime Minister Justin Trudeau has flown to Florida to have dinner with President-elect Donald Trump at his Mar-a-Lago club after Trump threatened to impose sweeping tariffs on Canadian products. Joining Trump and Trudeau at dinner were Trump's picks for commerce secretary, interior secretary and national security adviser, and the three men's wives. From the Canadian side, the dinner guests included Public Safety Minister Dominic LeBlanc, whose responsibilities include border security. Trump’s transition did not respond to questions about what they had discussed or whether the conversation alleviated Trump’s concerns about the border. A smiling Trudeau declined comment upon returning to his West Palm Beach hotel late Friday. Emboldened 'manosphere' accelerates threats and demeaning language toward women after US election CHICAGO (AP) — An emboldened fringe of right-wing “manosphere” influencers has seized on Donald Trump’s presidential win to justify and amplify misogynistic derision and threats online. Many have appropriated a 1960s abortion rights rallying cry, declaring “Your body, my choice,” and have been using it publicly on college campuses and even in public schools. While none of the current online rhetoric is being amplified by Trump, experts say many young men see the former president’s return to the White House as vindication of their views on women. For many women, the words represent a worrying harbinger of what might lie ahead as some men perceive the election results as a rebuke of reproductive rights and women’s rights. Syrian insurgents are inside Aleppo in a major setback for Assad as government forces regroup BEIRUT (AP) — Thousands of Syrian insurgents have fanned out inside Syria's largest city Aleppo a day after storming it with little resistance from government troops. Syria's army said troops have redeployed to prepare for a counteroffensive. Witnesses said insurgents were seen Saturday at landmarks in Aleppo for the first time since 2016, when they were expelled by government forces backed by Russia and Iran. The surprise offensive is a major embarrassment for Syrian President Bashar Assad, who has regained total control of the city eight years ago. Israeli strike in Gaza allegedly kills workers with World Central Kitchen charity DEIR AL-BALAH, Gaza Strip (AP) — An Israeli airstrike on a car in Gaza has killed five people, according to a senior Palestinian health official. An aid worker says three of the people killed were employees of the charity World Central Kitchen. The charity's aid delivery efforts in Gaza were temporarily suspended earlier this year after an Israeli strike killed seven of its workers. Israel's military says it struck a wanted militant who had been involved in the Hamas attack that sparked the war. In a later statement, it said that the alleged attacker had worked with WCK and it asked “senior officials from the international community and the WCK administration to clarify” how that had come about. Lebanese fisherman hope ceasefire with Israel means normal life returning TYRE, Lebanon (AP) — The ceasefire between Israel and Hezbollah is bringing hope for normality back to many in southern Lebanon. That includes fishermen who’ve long launched their single-engine wooden boats into the Mediterranean at dawn. For months, Israel imposed a siege that kept hundreds of fishermen at this ancient Phoenician port ashore. That upended their lives and dealt the industry a major blow. The port siege also cut people off from key ingredients for traditional Lebanese dishes. As war devastated their country, the loss of fish damaged a deep association with home. Now, the possibility of renewed fishing is helping fuel hope. How Brazilian police say Bolsonaro plotted a coup to stay in office SAO PAULO (AP) — Brazil’s Federal Police have formally accused former far-right President Jair Bolsonaro and 36 others of plotting a coup to keep him in office. The plot was allegedly comprised of several components and substantiated by evidence and testimony in the agency's 884-page report. The pieces of the puzzle include laying the groundwork by systematically sowing distrust of the electoral system among the populace. It also includes drafting a decree to give the plot a veneer of legal basis and pressuring top military brass to go along with the plan. Bolsonaro and his main allies have denied any wrongdoing or involvement and accuse authorities of political persecution. More than 100 arrested as Georgian police clash with protesters over suspension of EU talks TBILISI, Georgia (AP) — More than 100 demonstrators were arrested overnight in Georgia as protesters clashed with police following the government’s decision to suspend negotiations to join the European Union, the country’s Interior Ministry said. Friday marked the second straight night of protests after Prime Minister Irakli Kobakhidze of the country’s ruling Georgian Dream party announced the suspension the previous day. The Associated Press saw protesters in Tbilisi being chased and beaten by police as demonstrators rallied in front of the country's parliament building. The violence follows Georgian Dream’s disputed victory in the Oct. 26 election, which was widely seen as a referendum on the country’s aspirations to join the European Union. Romania's parliamentary vote risks being overshadowed by presidential race chaos BUCHAREST, Romania (AP) — Romanians are preparing to go to the polls in a parliamentary vote that will determine a new government and prime minister to lead the European Union and NATO member country. However, Sunday's vote is sandwiched between a two-round presidential race and is overshadowed by controversies and chaos following the outcome of the first vote. While the president has significant decision-making powers in areas such as national security and foreign policy, the prime minister is the head of the nation’s government. Sunday’s vote will determine the formation of the country’s 466-seat legislature. North Korea's Kim vows steadfast support for Russia’s war in Ukraine SEOUL, South Korea (AP) — North Korean leader Kim Jong Un said his country will “invariably support” Russia’s war in Ukraine as he met Russia's visiting defense chief. A Russia military delegation led by Defense Minister Andrei Belousov arrived in North Korea on Friday as international concerns about the two countries’ expanding cooperation deepened after North Korea sent thousands of troops to Russia. During a Friday meeting, Kim and Belousov reached “a satisfactory consensus” on issues on how to further boost strategic partnership and defend each country’s sovereignty and security interests, state media said. Great Lakes, Plains and Midwest forecast to be hit with snow and dangerous cold into next week BUFFALO, N.Y. (AP) — The first big snow of the season has the potential to bury towns in New York along lakes Erie and Ontario during a hectic holiday travel and shopping weekend. Forecasters says winter storm conditions could persist into next week and cause hazards in the Great Lakes, Plains and Midwest regions. Forecasters predict 4 to 6 feet of blowing and drifting snow could fall in Watertown and other areas east of Lake Ontario through Monday. New York Gov. Kathy Hochul has declared a disaster emergency in affected areas.BUCHAREST (Reuters) - Robert F. Kennedy Jr., President-elect Donald Trump's choice to head the U.S. health department, will be in Romania next week to meet Calin Georgescu, the surprise far-right winner in the first round of a presidential election, a Romanian television station said. Georgescu finished first in last Sunday's vote, and secured a place in a run-off scheduled for Dec. 8, in a win that could upend politics in Romania and undermine its pro-Western stance. However, the election result has been challenged at Romania's top court, which ordered a recount of all the votes cast last Sunday. The court will decide on Monday whether to annul the first round. Romania also holds a parliamentary election on Sunday. Kennedy will be in Bucharest next week to launch his book on the coronavirus pandemic, with a preface written by Georgescu, private television station Realitatea said in a statement. Kennedy is an environmentalist who has spread misinformation about vaccines. "Realitatea is a media partner of the year-end meeting between the future Health Secretary in Donald Trump's government and the surprise winner of the presidential vote," Realitatea said in a statement. It added the televised discussion will take place on Dec. 5. A spokesperson for Kennedy, and representatives of Republican Trump's transition team, did not immediately respond to a request for comment. Georgescu told Realitatea earlier this week that Kennedy might come to Bucharest. On Saturday, his communications team neither denied nor confirmed the meeting. (Reporting by Luiza Ilie; Additional reporting by Tim Reid in West Palm Beach, Florida.; Editing by Frances Kerry)

Thinley Namgay The Bhutan Chamber of Commerce and Industry (BCCI) is optimistic about achieving stronger collaboration between the government and the private sector to fulfil the goals outlined in Bhutan’s 13th Plan. This was revealed during the first quarterly private sector press conference organised by the BCCI in Thimphu yesterday. The engagement plans between the government and the private sector span across seven key priority areas: agriculture, mining and quarrying, manufacturing, electricity, hydro-industries, construction, and digital technologies. The 13th Plan targets a GDP growth projection of Nu 328.49 billion from these seven sectors by 2029. BCCI Secretary General Chandra B. Chhetri said that the chamber would invest in advocacy and policy influence, urging the government to develop favourable economic policies. “The BCCI will prioritise capacity building, training, and facilitating investments while driving partnerships that support these goals,” he said. To address sector-specific needs, the BCCI will establish dedicated committees or task forces for each of the seven key areas. “The BCCI will facilitate ongoing dialogue between the government and private sector businesses to overcome any barriers to the successful implementation of plans in the seven sectors,” Chandra B. Chhetri said. The BCCI also plans to raise awareness about the opportunities available within these seven key sectors and provide a platform for businesses to enhance networking and collaboration. This approach is particularly relevant for industries like digital technologies, where cooperation and knowledge-sharing are essential for growth. Additionally, the BCCI plans to track and report on the private sector’s contributions to the 13th Plan, monitoring progress, addressing challenges, and proposing solutions to ensure goals are met. However, Chandra B. Chhetri said that specific details on private sector engagement remain limited at this stage. BCCI President Tandy Wangchuk said that the chamber is optimistic about fulfilling the engagement plans if the government focuses on improving the ease of doing business, streamlining business rules and regulations, and fostering investment opportunities. “A better business ecosystem is essential,” he said. He also highlighted that allowing the private sector to venture into hydropower projects is an encouraging development.The AP Top 25 college football poll is back every week throughout the season! Get the poll delivered straight to your inbox with AP Top 25 Poll Alerts. Sign up here . FARGO, N.D. (AP) — Cam Miller threw three touchdown passes, ran for another and second-seeded North Dakota State blew past a 14-point deficit to beat 15th-seeded Abilene Christian 51-31 on Saturday in the second round of the FCS playoffs. The Bison (11-2), in the FCS playoffs for a 15th straight season and winner of nine FCS titles, will host seventh-seeded Mercer in the quarterfinals. Abilene Christian (9-5) took a 17-3 lead on a 13-yard TD pass from Maverick McIvor to J.J. Henry, a 90-yard run by Sam Hicks and a Ritse Vaes 29-yard field goal early in the second quarter. The Bison then took over, starting with Jackson Williams’ 100-yard kickoff return to start a run of 31 consecutive points, 17 coming in the second quarter for a 20-17 halftime lead. The scoring streak ended when Nehemiah Martinez’s 53-yard return helped set up Hicks’ 3-yard score to get the Wildcats within 34-24. But the Bison matched that TD on their ensuing drive on Miller’s 36-yard connection with Bryce Lance to cap their 21-point third quarter. Again, the Wildcats got within 10 early in the fourth quarter on Rovaughn Banks Jr.’s 2-yard TD run. But NDSU’s Marcus Gulley returned an interception 37 yards to the ACU 9 and the Crosa kicked a field goal and Logan Kopp followed with a 31-yard pick-6. RELATED COVERAGE Georgia QB Carson Beck sidelined following arm injury in SEC championship game against Texas No. 16 Iowa State falls short in Big 12 title game again, this time with CFP at stake Arizona State makes College Football Playoff with 45-19 win over Iowa State in Big 12 title game Miller was 20 of 29 for 274 yards passing. McIvor threw for 153 yards, a touchdown and two interceptions. Hicks ran for 153 yards on 16 carries. ACU, champion of the United Athletic Conference, was in its first FCS playoffs since joining the classification in 2013, and beat Northern Arizona in its first-round game. Crosa has made his 262nd career PAT to pass NDSU’s Cam Pederson (2015-18) and set an FCS record. ___ AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football . Sign up for the AP’s college football newsletter: https://apnews.com/cfbtop25McLaughlin scores 23 as Northern Arizona knocks off South Dakota 95-82

80jili update
80jili update Schottky Barrier Diode Market | Business Growth, Development Factors, Current and Future Trends till 2031 | Seekway Technology Ltd. SeeReal Technologies GmbH Sony CorporationShare Tweet Share Share Email Managing healthcare expenses can be a daunting task, especially in a world where medical costs continue to rise. However, with the right strategies, tools, and awareness, it is possible to simplify these challenges. One effective way to achieve this is by leveraging health savings accounts (HSAs) and implementing sound medical expense management practices . Understanding Health Savings Accounts (HSAs) Health Savings Accounts (HSAs) are tax-advantaged accounts designed to help individuals save and pay for qualified medical expenses. These accounts are particularly beneficial for those enrolled in high-deductible health plans (HDHPs). By contributing to an HSA, individuals can build a financial safety net for unexpected healthcare costs. Key Features of HSAs: Tax Benefits: Contributions to HSAs are tax-deductible, and withdrawals for qualified medical expenses are tax-free. Additionally, any interest or investment earnings grow tax-free within the account. Flexibility: Funds in an HSA roll over year after year, unlike flexible spending accounts (FSAs) that often have a “use-it-or-lose-it” policy. Portability: HSAs remain with the account holder even if they change jobs or health insurance providers. Investment Opportunities: Some HSAs allow account holders to invest their funds in mutual funds or other financial instruments, increasing potential long-term growth . Why Medical Expense Management Matters Medical expense management goes beyond budgeting for routine costs. It involves understanding the nuances of healthcare spending, minimizing unnecessary expenses, and maximizing available resources. Poor management can lead to overwhelming debt, delayed medical care, or missed financial opportunities. Common Challenges in Medical Expense Management Unpredictable Costs: Medical emergencies can arise unexpectedly, leaving individuals financially strained. Lack of Transparency: Navigating healthcare costs can be confusing due to unclear pricing structures. Overlapping Coverage: Misunderstanding insurance policies can result in paying for services that are already covered. By adopting strategic approaches, individuals can overcome these challenges and gain better control over their medical finances. Tips for Simplifying Healthcare Costs Create a Budget for Medical Expenses Establishing a dedicated budget for healthcare can provide clarity and prevent overspending. Begin by reviewing past medical bills and estimating future needs. Include premiums, deductibles, copayments, and out-of-pocket expenses in the budget. Regularly update this plan to accommodate changes in health conditions or insurance coverage. Utilize Preventive Care Preventive care services, such as annual check-ups and screenings, are often covered at no additional cost under many insurance plans. These services help detect potential health issues early, reducing the likelihood of costly treatments later. Shop Around for Healthcare Services Healthcare providers may charge varying rates for the same services. Researching and comparing costs among different providers can lead to significant savings. Use online tools, such as price comparison websites, to find affordable options without compromising quality. Maximize Health Insurance Benefits Understanding your health insurance policy is essential for minimizing expenses. Take time to: Review what services are covered under your plan. Identify in-network providers to avoid higher out-of-pocket costs. Take advantage of perks like wellness programs or discounts on medications. Build and Maintain an HSA If eligible, contribute regularly to your HSA to accumulate funds for future medical expenses. Even small contributions can add up over time, providing a financial cushion for unexpected costs. Additionally, keep receipts for all healthcare expenses to ensure withdrawals comply with IRS regulations. Negotiate Medical Bills Many providers are open to negotiating bills, especially if you are paying out-of-pocket. Ask for itemized bills to ensure accuracy, and inquire about discounts or payment plans. Avoid Unnecessary Treatments Consult with healthcare professionals to confirm whether recommended treatments or tests are truly necessary. Second opinions can also provide valuable insights and prevent unnecessary spending. Leveraging Technology for Expense Management The rise of technology has made managing medical expenses easier than ever. Mobile apps, online platforms, and digital tools offer solutions for tracking spending, accessing insurance information, and finding cost-effective care. Popular Tools for Medical Expense Management: Expense Tracking Apps: Applications like Mint or GoodRx help monitor healthcare spending and identify savings opportunities. Telehealth Services: Virtual consultations reduce costs associated with in-person visits while providing convenient access to medical advice. Healthcare Cost Calculators: These tools estimate the potential costs of procedures, allowing for better financial planning. The Role of Employers in Simplifying Healthcare Costs Employers play a significant role in assisting employees with healthcare expense management. By offering comprehensive benefits and resources, they can alleviate some of the financial burdens on their workforce. Examples of Employer Contributions: HSAs with Employer Contributions: Some employers match employee contributions to HSAs, boosting savings. Health Reimbursement Arrangements (HRAs): HRAs allow employees to be reimbursed for qualified medical expenses not covered by insurance. Financial Wellness Programs: Workshops or counseling sessions on healthcare budgeting can empower employees to make informed decisions. Planning for the Future Medical expenses are likely to increase with age, making long-term planning essential. Individuals should consider factors such as potential chronic conditions, inflation, and changes in insurance policies. Diversifying savings through retirement accounts and HSAs can ensure sufficient funds for future needs. Steps for Long-Term Planning: Estimate Future Costs: Use healthcare cost calculators to project expenses during retirement. Invest Wisely: Consider investing HSA funds in options that offer growth potential. Review Insurance Options: Periodically reassess insurance coverage to ensure it meets evolving needs. Final Thoughts Simplifying healthcare costs requires a proactive and informed approach. By leveraging HSAs, adopting sound medical expense management strategies, and utilizing technology, individuals can achieve greater financial security. The key is to stay organized, informed, and prepared for any eventuality. With these tools and practices, navigating the complexities of healthcare becomes significantly easier, allowing you to focus on what truly matters—your health and well-being . Related Items: Health Savings Accounts (HSAs) , Medical Expenses , Simplifying Healthcare Costs Share Tweet Share Share Email Comments

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The Patriots, who suffered a sixth straight loss, were booed off the field by the remaining fans at Gillette Stadium as they fell to 3-13 on the season. But for the Chargers it was a job well done as the confident Herbert ensured a second post-season place in three seasons with another accomplished quarterback display. Herbert completed 28 of 38 passes and threw for 281 yards against a Patriots defense that caused few issues against the passing game. The Chargers took the lead late in the first quarter thanks to a beautiful 23-yard Herbert pass, superbly caught by the diving Derius Davis. After a Cameron Dicker field goal early in the second, Herbert found rookie receiver Ladd McConkey at the back of the end-zone with a pinpoint pass to make it 17-0. Patriots rookie quarterback Drake Maye had been forced out of the game in the first quarter after suffering a hit to the head by Cam Hart when running down the sideline. But Maye, who had been cleared to return for the second quarter, showed he was in good shape with a fine 36-yard touchdown pass to DeMario Douglas to give the Patriots some hope. But the Chargers ran away with the game with Herbert again connecting with McConkey, this time with a 40-yard pass down the middle and a two-yard rush from J.K Dobbins in the fourth completed the rout. Herbert's performance meant he set a new record for the most passing yards in the first five years of an NFL career -- passing Peyton Manning's tally of 20,618 yards. But the quarterback, who has yet to win a playoff game, was quick to give credit for his achievement to his team-mates. "It says so much about the guys we had catching those passes and a great offensive line giving me the time to get the ball off and (the defense) getting me the ball back," he said. "I couldn't have done it without them," he added. The Denver Broncos can clinch a place in the playoffs when they face the Bengals in Cincinnati later on Saturday. sev/nf

De La Rosa scores 27 points as Columbia tops Fairfield 85-72

Victor Wembanyama plays 1-on-1 chess with fans in New York

Canadian Prime Minister Trudeau flies to Florida to meet with Trump after tariffs threat WEST PALM BEACH, Fla. (AP) — Canadian Prime Minister Justin Trudeau has flown to Florida to have dinner with President-elect Donald Trump at his Mar-a-Lago club after Trump threatened to impose sweeping tariffs on Canadian products. Joining Trump and Trudeau at dinner were Trump's picks for commerce secretary, interior secretary and national security adviser, and the three men's wives. From the Canadian side, the dinner guests included Public Safety Minister Dominic LeBlanc, whose responsibilities include border security. Trump’s transition did not respond to questions about what they had discussed or whether the conversation alleviated Trump’s concerns about the border. A smiling Trudeau declined comment upon returning to his West Palm Beach hotel late Friday. Emboldened 'manosphere' accelerates threats and demeaning language toward women after US election CHICAGO (AP) — An emboldened fringe of right-wing “manosphere” influencers has seized on Donald Trump’s presidential win to justify and amplify misogynistic derision and threats online. Many have appropriated a 1960s abortion rights rallying cry, declaring “Your body, my choice,” and have been using it publicly on college campuses and even in public schools. While none of the current online rhetoric is being amplified by Trump, experts say many young men see the former president’s return to the White House as vindication of their views on women. For many women, the words represent a worrying harbinger of what might lie ahead as some men perceive the election results as a rebuke of reproductive rights and women’s rights. Syrian insurgents are inside Aleppo in a major setback for Assad as government forces regroup BEIRUT (AP) — Thousands of Syrian insurgents have fanned out inside Syria's largest city Aleppo a day after storming it with little resistance from government troops. Syria's army said troops have redeployed to prepare for a counteroffensive. Witnesses said insurgents were seen Saturday at landmarks in Aleppo for the first time since 2016, when they were expelled by government forces backed by Russia and Iran. The surprise offensive is a major embarrassment for Syrian President Bashar Assad, who has regained total control of the city eight years ago. Israeli strike in Gaza allegedly kills workers with World Central Kitchen charity DEIR AL-BALAH, Gaza Strip (AP) — An Israeli airstrike on a car in Gaza has killed five people, according to a senior Palestinian health official. An aid worker says three of the people killed were employees of the charity World Central Kitchen. The charity's aid delivery efforts in Gaza were temporarily suspended earlier this year after an Israeli strike killed seven of its workers. Israel's military says it struck a wanted militant who had been involved in the Hamas attack that sparked the war. In a later statement, it said that the alleged attacker had worked with WCK and it asked “senior officials from the international community and the WCK administration to clarify” how that had come about. Lebanese fisherman hope ceasefire with Israel means normal life returning TYRE, Lebanon (AP) — The ceasefire between Israel and Hezbollah is bringing hope for normality back to many in southern Lebanon. That includes fishermen who’ve long launched their single-engine wooden boats into the Mediterranean at dawn. For months, Israel imposed a siege that kept hundreds of fishermen at this ancient Phoenician port ashore. That upended their lives and dealt the industry a major blow. The port siege also cut people off from key ingredients for traditional Lebanese dishes. As war devastated their country, the loss of fish damaged a deep association with home. Now, the possibility of renewed fishing is helping fuel hope. How Brazilian police say Bolsonaro plotted a coup to stay in office SAO PAULO (AP) — Brazil’s Federal Police have formally accused former far-right President Jair Bolsonaro and 36 others of plotting a coup to keep him in office. The plot was allegedly comprised of several components and substantiated by evidence and testimony in the agency's 884-page report. The pieces of the puzzle include laying the groundwork by systematically sowing distrust of the electoral system among the populace. It also includes drafting a decree to give the plot a veneer of legal basis and pressuring top military brass to go along with the plan. Bolsonaro and his main allies have denied any wrongdoing or involvement and accuse authorities of political persecution. More than 100 arrested as Georgian police clash with protesters over suspension of EU talks TBILISI, Georgia (AP) — More than 100 demonstrators were arrested overnight in Georgia as protesters clashed with police following the government’s decision to suspend negotiations to join the European Union, the country’s Interior Ministry said. Friday marked the second straight night of protests after Prime Minister Irakli Kobakhidze of the country’s ruling Georgian Dream party announced the suspension the previous day. The Associated Press saw protesters in Tbilisi being chased and beaten by police as demonstrators rallied in front of the country's parliament building. The violence follows Georgian Dream’s disputed victory in the Oct. 26 election, which was widely seen as a referendum on the country’s aspirations to join the European Union. Romania's parliamentary vote risks being overshadowed by presidential race chaos BUCHAREST, Romania (AP) — Romanians are preparing to go to the polls in a parliamentary vote that will determine a new government and prime minister to lead the European Union and NATO member country. However, Sunday's vote is sandwiched between a two-round presidential race and is overshadowed by controversies and chaos following the outcome of the first vote. While the president has significant decision-making powers in areas such as national security and foreign policy, the prime minister is the head of the nation’s government. Sunday’s vote will determine the formation of the country’s 466-seat legislature. North Korea's Kim vows steadfast support for Russia’s war in Ukraine SEOUL, South Korea (AP) — North Korean leader Kim Jong Un said his country will “invariably support” Russia’s war in Ukraine as he met Russia's visiting defense chief. A Russia military delegation led by Defense Minister Andrei Belousov arrived in North Korea on Friday as international concerns about the two countries’ expanding cooperation deepened after North Korea sent thousands of troops to Russia. During a Friday meeting, Kim and Belousov reached “a satisfactory consensus” on issues on how to further boost strategic partnership and defend each country’s sovereignty and security interests, state media said. Great Lakes, Plains and Midwest forecast to be hit with snow and dangerous cold into next week BUFFALO, N.Y. (AP) — The first big snow of the season has the potential to bury towns in New York along lakes Erie and Ontario during a hectic holiday travel and shopping weekend. Forecasters says winter storm conditions could persist into next week and cause hazards in the Great Lakes, Plains and Midwest regions. Forecasters predict 4 to 6 feet of blowing and drifting snow could fall in Watertown and other areas east of Lake Ontario through Monday. New York Gov. Kathy Hochul has declared a disaster emergency in affected areas.BUCHAREST (Reuters) - Robert F. Kennedy Jr., President-elect Donald Trump's choice to head the U.S. health department, will be in Romania next week to meet Calin Georgescu, the surprise far-right winner in the first round of a presidential election, a Romanian television station said. Georgescu finished first in last Sunday's vote, and secured a place in a run-off scheduled for Dec. 8, in a win that could upend politics in Romania and undermine its pro-Western stance. However, the election result has been challenged at Romania's top court, which ordered a recount of all the votes cast last Sunday. The court will decide on Monday whether to annul the first round. Romania also holds a parliamentary election on Sunday. Kennedy will be in Bucharest next week to launch his book on the coronavirus pandemic, with a preface written by Georgescu, private television station Realitatea said in a statement. Kennedy is an environmentalist who has spread misinformation about vaccines. "Realitatea is a media partner of the year-end meeting between the future Health Secretary in Donald Trump's government and the surprise winner of the presidential vote," Realitatea said in a statement. It added the televised discussion will take place on Dec. 5. A spokesperson for Kennedy, and representatives of Republican Trump's transition team, did not immediately respond to a request for comment. Georgescu told Realitatea earlier this week that Kennedy might come to Bucharest. On Saturday, his communications team neither denied nor confirmed the meeting. (Reporting by Luiza Ilie; Additional reporting by Tim Reid in West Palm Beach, Florida.; Editing by Frances Kerry)

Thinley Namgay The Bhutan Chamber of Commerce and Industry (BCCI) is optimistic about achieving stronger collaboration between the government and the private sector to fulfil the goals outlined in Bhutan’s 13th Plan. This was revealed during the first quarterly private sector press conference organised by the BCCI in Thimphu yesterday. The engagement plans between the government and the private sector span across seven key priority areas: agriculture, mining and quarrying, manufacturing, electricity, hydro-industries, construction, and digital technologies. The 13th Plan targets a GDP growth projection of Nu 328.49 billion from these seven sectors by 2029. BCCI Secretary General Chandra B. Chhetri said that the chamber would invest in advocacy and policy influence, urging the government to develop favourable economic policies. “The BCCI will prioritise capacity building, training, and facilitating investments while driving partnerships that support these goals,” he said. To address sector-specific needs, the BCCI will establish dedicated committees or task forces for each of the seven key areas. “The BCCI will facilitate ongoing dialogue between the government and private sector businesses to overcome any barriers to the successful implementation of plans in the seven sectors,” Chandra B. Chhetri said. The BCCI also plans to raise awareness about the opportunities available within these seven key sectors and provide a platform for businesses to enhance networking and collaboration. This approach is particularly relevant for industries like digital technologies, where cooperation and knowledge-sharing are essential for growth. Additionally, the BCCI plans to track and report on the private sector’s contributions to the 13th Plan, monitoring progress, addressing challenges, and proposing solutions to ensure goals are met. However, Chandra B. Chhetri said that specific details on private sector engagement remain limited at this stage. BCCI President Tandy Wangchuk said that the chamber is optimistic about fulfilling the engagement plans if the government focuses on improving the ease of doing business, streamlining business rules and regulations, and fostering investment opportunities. “A better business ecosystem is essential,” he said. He also highlighted that allowing the private sector to venture into hydropower projects is an encouraging development.The AP Top 25 college football poll is back every week throughout the season! Get the poll delivered straight to your inbox with AP Top 25 Poll Alerts. Sign up here . FARGO, N.D. (AP) — Cam Miller threw three touchdown passes, ran for another and second-seeded North Dakota State blew past a 14-point deficit to beat 15th-seeded Abilene Christian 51-31 on Saturday in the second round of the FCS playoffs. The Bison (11-2), in the FCS playoffs for a 15th straight season and winner of nine FCS titles, will host seventh-seeded Mercer in the quarterfinals. Abilene Christian (9-5) took a 17-3 lead on a 13-yard TD pass from Maverick McIvor to J.J. Henry, a 90-yard run by Sam Hicks and a Ritse Vaes 29-yard field goal early in the second quarter. The Bison then took over, starting with Jackson Williams’ 100-yard kickoff return to start a run of 31 consecutive points, 17 coming in the second quarter for a 20-17 halftime lead. The scoring streak ended when Nehemiah Martinez’s 53-yard return helped set up Hicks’ 3-yard score to get the Wildcats within 34-24. But the Bison matched that TD on their ensuing drive on Miller’s 36-yard connection with Bryce Lance to cap their 21-point third quarter. Again, the Wildcats got within 10 early in the fourth quarter on Rovaughn Banks Jr.’s 2-yard TD run. But NDSU’s Marcus Gulley returned an interception 37 yards to the ACU 9 and the Crosa kicked a field goal and Logan Kopp followed with a 31-yard pick-6. RELATED COVERAGE Georgia QB Carson Beck sidelined following arm injury in SEC championship game against Texas No. 16 Iowa State falls short in Big 12 title game again, this time with CFP at stake Arizona State makes College Football Playoff with 45-19 win over Iowa State in Big 12 title game Miller was 20 of 29 for 274 yards passing. McIvor threw for 153 yards, a touchdown and two interceptions. Hicks ran for 153 yards on 16 carries. ACU, champion of the United Athletic Conference, was in its first FCS playoffs since joining the classification in 2013, and beat Northern Arizona in its first-round game. Crosa has made his 262nd career PAT to pass NDSU’s Cam Pederson (2015-18) and set an FCS record. ___ AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football . Sign up for the AP’s college football newsletter: https://apnews.com/cfbtop25McLaughlin scores 23 as Northern Arizona knocks off South Dakota 95-82

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