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Award-Winning Author Patrick Finegan Releases New Novel - Toys in Babylon
Treyarch put measures in place to prevent cheating in Black Ops 6 Ranked Play, but they weren’t enough to hold the floodgates. To access BO6 Ranked Play , you must first win 50 multiplayer matches so the RICOCHET anti-cheat system can build a match history that can be used to weed out any discrepancies in Ranked Play. In addition, RICOCHET uses a replay investigation tool to watch back completed matches as part of the investigation process. But these preventative measures weren’t enough. Just hours after the game mode launched, clips circulated , exposing cheaters for using aim bot and other external services to take over high-rank lobbies. The 100 Thieves founder took to social media and said , “The cheating in Ranked Play on Black Ops 6 is the worst it’s been. I’m actually disgusted. Don’t know how it’s gotten to this point, but the game is completely chalked.” Call of Duty League pros also spoke out about the game mode not doing a good enough job of banning cheaters. “Ranked play turned my brain to mush tonight. The hackers are winning,” Atlanta FaZe star Simp said . In response to the issue, LA Thieves’s Ghosty suggested , “Kernel-level anti-cheat is the only effective method I know that’s worked, but I’m not versed enough about how hard it is to implement.” Why isn’t RICOCHET anti-cheat working? As Ghosty suggested, Kernel-level anti-cheat is a technology that detects cheating by identifying malware and hacks on the user’s computer. Ironically, RIOCHET already uses anti-cheat uses Kernel technology, but that still hasn’t been enough to properly stop cheating in high-rank lobbies. Related: And, without kill cams, it’s challenging to gather evidence to report cheaters. Players on PlayStation and Xbox also can’t avoid cheaters on PC because turning off cross-play is not an option . This isn’t the first year cheating has been a problem for Ranked Play. CDL pros slammed Ranked Play hackers in MW2, and players also reported an uptick of cheating in MW3 . So, although we have seen similar complaints before, frustration continues to mount amongst pro players and creators who rely on Call of Duty to make a living. In the November 21 update , Treyarch addressed a few glitches in Ranked Play, but the development team has yet to an issue a statement on the overflow of cheating reports.
Lopsided loss sinks the reeling Saints further into evaluation mode
The year 2024 has been one of uncertainty. The world has endured several surprise wars, a jittery economy, and an indecisive Federal Reserve. Headlines wavered between impending doom and potential boon. Our two presidential candidates espoused divergent visions of our country’s future. Even fundamental economic principles, such as the relationship between growth and inflation, were called into question. The year also brought some good news — at least for investors. As of Dec. 10, the S&P 500 was up over 28 percent in 2024. Meanwhile, the tech-heavy NASDAQ grew 33 percent and the Dow Jones gained 17 percent for the year. While investor rationale is up for debate, the bottom line is simple. Investors who remained disciplined were rewarded handsomely. Those who avoided markets missed out. Investors should apply similar discipline this tax season. My recent election article explains that it is difficult to predict future legislative changes. Fortunately, there are various tried-and-true tax planning tips available in any environment. Some are even tailored specifically for today’s political climate. The following six tax planning strategies are worth discussing with a financial advisor, accountant, and/or attorney. Note that certain strategies are complex and require personalized guidance. Tax-loss harvesting Tax-loss harvesting is an age-old tax management strategy for investors. The practice involves selling losing investments in taxable accounts, booking the losses, and purchasing replacement securities.[1] The losses can offset capital gains and/or up to $3,000 in ordinary income each year. Losses are hard to come by in stock portfolios this year. However, investors may still have unrealized losses in their bond portfolios following the Fed’s rapid interest rate campaign. Investors should review their taxable accounts for any unrealized losses before year-end. Optimize asset location The first step in portfolio design is asset allocation. This is where the investor selects a desired balance between stocks, bonds, cash and other investments. The final mix determines the risk and return profile for a given portfolio. The next step is asset location. This involves positioning assets where they receive the most favorable tax treatment. Different investments trigger different tax events: bonds generate regular interest, stocks pay periodic dividends, REITs distribute recurring income, and mutual funds make annual capital gains distributions. Each event’s tax treatment depends on the type of account holding the asset. Investors should coordinate their holdings with the appropriate account type. It is generally prudent to hold high-tax assets, such as REITs and certain bonds, in IRAs and 401(k)s. Investors can then concentrate tax-efficient assets, like municipal bonds and certain growth stocks, in their taxable accounts. Tax-advantaged accounts One of the easiest tax-planning strategies is to optimize tax-advantaged accounts. These include 401(k)s, IRAs, HSAs, and others. Readers should first confirm whether they are utilizing their company benefit plans. This can be accomplished with a simple trip to their HR departments. Benefits packages change every year, and many forgo important tax savings opportunities without realizing it. Readers should also maximize their contributions to these accounts wherever possible. See BaldwinClarke’s 2024 Tax Overview for the current contribution limits and income thresholds. Evaluate Roth conversions Roth conversions are a common long-term tax planning strategy. The process involves transferring funds from a tax-deferred retirement account, such as a Traditional IRA or 401(k) Plan, to a Roth IRA. Individuals owe income taxes on any amounts converted. However, future withdrawals from the Roth IRA are tax-free if certain conditions are met.[2] The chief advantage is flexibility. Someone with major one-time spending goals, such as a vacation home or a new car, can access large sums of money tax-free from a Roth IRA in retirement. Withdrawals from a Traditional IRA or 401(k) Plan are otherwise fully taxable. Roth conversions can also result in real tax savings. Our progressive tax system means that high earners pay higher tax rates than low earners. Using the previous example, an individual funding large expenses from a Traditional IRA or 401(k) plan risks temporarily spiking his or her tax bracket. This problem can be mitigated or avoided entirely with Roth conversions. A growing national deficit makes Roth conversions even more compelling. Many speculate that tax rates will rise in the future to cover our nation’s growing deficit. Those that pay their taxes now may benefit from today’s historically low tax rates. Charitable contributions Charitable contributions can be deducted against your taxable income for the current year. These deductions are particularly beneficial for high earners. Charitable deduction limits depend upon the charity classification, gift type, and income level for the taxpayer. Public charities, such as churches and schools, allow a taxpayer to deduct up to 50 percent of their adjusted gross income (AGI) for the current year. The limit rises to 60 percent of AGI if the taxpayer donates liquid cash to the charity. The limits are lower for private charities, such as foundations and fraternal orders. Unused deductions can generally be carried forward for up to five years. An experienced advisor can optimize charitable gifting strategies by evaluating both the type of charity and the timing of the contribution. As mentioned, certain charity types provide enhanced tax benefits. Similarly, certain life stages offer greater savings opportunities, such as years when a taxpayer’s income is unusually high. Estate tax mitigation Federal laws currently allow individuals to transfer up to $13.61 million to heirs without estate taxes. This exemption doubles to $27.22 million for married couples.[3] Moreover, individuals can give up to $18,000 per beneficiary annually without gift taxes. These laws create a very favorable estate planning environment for proactive people. The current estate tax exemption is both historically high and subject to change. Heirs can thank the Tax Cuts and Jobs Act of 2017 for enacting these limits. However, this bill’s provisions are set to expire on Dec. 31, 2025. Before this date, Congress will decide whether to extend the exemption, make it permanent, or impose new limits entirely. The exemption will fall to the previous limit of $5.6 million per individual if no action is taken. Fortunately, the annual gift tax exclusion is not expected to change anytime soon. A simple strategy involves making outright lifetime gifts of cash, property, and other assets to heirs. This option is attractive for anybody with disposable assets, dependent family members, and/or long-term bequest goals. It is also likely to survive potential tax reform. Complex strategies leverage the estate tax exemption using irrevocable trusts. The full scope of these techniques falls beyond the purpose of this article. Readers are encouraged to contact their advisor or attorney for individualized guidance. Philanthropic individuals might also consider certain charitable transfer strategies to further shelter assets from estate taxes. Proactive, not reactive Concerns over potential tax changes are nothing new. In fact, it was only three years ago that the newly elected Biden administration announced plans to raise capital gains taxes for high earners. The proposal stalled in Washington and ultimately failed. Taxpayers who sold assets preemptively faced regret. Readers should act on knowns rather than unknowns. Potential tax changes rely on a host of factors beyond any taxpayer’s control. It is critical to remain discerning and pragmatic in today’s inflammatory political environment. Bryce Schuler is a certified financial planner at BaldwinClarke in Bedford. He and his team specialize in serving successful families, business owners, and organizations throughout New England. [1] Investors may replace the losing investments with similar, but not identical, investments to maintain the desired portfolio allocation. This step is crucial to avoid violating the IRS’s “wash-sale” rule. [2] Roth withdrawals must meet certain conditions to be fully tax-free. The Roth account typically must be open and funded for at least five years. In addition, the account holder must be age 59.5 or older at the time of the distribution or meet certain exceptions (e.g., death, disability, first-time home purchase). [3] The estate and gift tax exemptions referenced in this article reflect 2024 rules.
Carson Beck’s season is officially over. Georgia’s starting quarterback underwent successful surgery to repair his UCL in his right elbow on Monday, the school announced. He’s expected to make a full recovery, but this means that Beck will miss the entirety of . Beck initially went down in the first half of Georgia’s win over Texas in the SEC Championship earlier this month. His arm was hit hard by a Longhorns defender as he tried to make a final throw before halftime, which knocked the ball loose and left him curled up in a lot of pain on the ground. A whole lot happened on the final play of the first half. — Awful Announcing (@awfulannouncing) Beck missed the second half of the game, though backup quarterback Gunner Stockton took over and led the Bulldogs to the win in overtime. That secured them a spot in the College Football Playoff and an automatic bye to the Sugar Bowl. They’ll take on Notre Dame in the quarterfinals on Jan. 1. in the playoffs ever since the injury, and had considered his return “unlikely.” Beck will finish the year having thrown for 3,485 yards, 28 touchdowns and 12 interceptions. It’s unclear how the injury will impact him in the pre-draft process. Beck was not listed in the first round of , though there aren’t a ton of great quarterbacks in this draft class. If Beck can throw ahead of the draft in April, his stock could theoretically rise — though this injury will undoubtedly make that much more difficult. Stockton went 12-of-16 for 71 yards and threw an interception against Texas in the SEC title game. Trevor Etienne ran in a 4-yard touchdown in overtime to seal the 22-19 win, though Beck returned for that play to hand the ball off. Stockton has appeared in three games this season, and has thrown for 206 yards and completed 25 passes. The sophomore recruit and the No. 2 quarterback in his class coming out of high school. Stockton is expected to get the start against the Fighting Irish in the Sugar Bowl. Notre Dame, which rolled over Indiana 27-17 in the first round, is listed as a 1.5-point underdog against Georgia in the quarterfinals on . While the Bulldogs' chances at a third title in the last four years have undoubtedly diminished with Beck's absence, Georgia head coach Kirby Smart has had plenty of extra practice time to get Stockton ready to go. “Well, I would say just experience [helps Stockton], right?” Smart said on Monday, . “I do think knowing when you get ready for an opponent like Notre Dame, you need time. ... We prepared for some of that prior to that because we knew it would be one of two opponents. But I think the biggest thing is just competition and practice. The situations we put him in. All those things allow him to get better as a quarterback.”
UnitedHealthcare CEO kept a low public profile. Then he was shot to death in New YorkBy MICHELLE L. PRICE WEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump’s supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump’s movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump’s Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer’s comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar.” Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry’s need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump’s world and what his political movement stands for. Trump has not yet weighed in on the rift, and his presidential transition team did not respond to a message seeking comment. Musk, the world’s richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump’s movement but his stance on the tech industry’s hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry’s need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent,” he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Related Articles National Politics | Should the U.S. increase immigration levels for highly skilled workers? National Politics | Trump threat to immigrant health care tempered by economic hopes National Politics | In states that ban abortion, social safety net programs often fail families National Politics | Court rules Georgia lawmakers can subpoena Fani Willis for information related to her Trump case National Politics | New 2025 laws hit hot topics from AI in movies to rapid-fire guns Trump’s own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump’s businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country” and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country,” he told the “All-In” podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump’s budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.
This Traveler Stood Firm Against An Unruly Child Who Wanted Their Window Seat, And It's Sparked An Interesting Debate About ParentingNone
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Blues supporters also sang the name of head coach Maresca during the closing stages of an emphatic success sealed by goals from Axel Disasi, Christopher Nkunku, Noni Madueke, Cole Palmer and substitute Jadon Sancho. Bottom club Southampton briefly levelled through Joe Aribo but were a man down from the 39th minute after captain Jack Stephens was sent off for pulling the hair of Marc Cucurella. Chelsea, who have endured an underwhelming period since Todd Boehly’s consortium bought the club in 2022, climbed above Arsenal and into second place on goal difference, seven points behind leaders Liverpool. “It was a very good feeling, especially because you can see that they are happy, that is our target,” Maresca said of the atmosphere in the away end. “We work every day to keep them happy and tonight was a very good feeling, especially the one that they can see that Chelsea’s back. This is an important thing.” Maresca rotated his squad in Hampshire, making seven changes following Sunday’s impressive 3-0 win over Aston Villa. Following a sloppy start, his side, who stretched their unbeaten run to six top-flight games, could easily have won by more as they hit the woodwork three times, in addition to squandering a host of chances. “I’m very happy with the five we scored,” said the Italian. “I’m not happy with the first 15, 20 minutes, where we struggled. The reason why we struggled is because we prepared the game to press them man to man and the first 15, 20 minutes we were not pressing them man to man. “After 15, 20 minutes we adjust that and the game was much better. For sure we could score more but five goals they are enough.” Southampton manager Russell Martin rued a costly “moment of madness” from skipper Stephens. The defender’s ridiculous red card was the headline mistake of a catalogue of errors from the beleaguered south-coast club as they slipped seven points from safety following an 11th defeat of a dismal season. “I don’t think anyone will be as disappointed as Jack,” Martin said of Stephens, who was sent off for the second time this term after tugging the curls of Cucurella as Saints prepared to take a corner. “I haven’t got to sit down and talk with him about that at all. He will be hurt more than anyone and it’s changed the game for us tonight, which is disappointing. “I think they have to describe it as violent conduct; it’s not violent really but there’s no other explanation for that really. It’s a moment of madness that’s really cost us and Jack.” Southampton repeatedly invited pressure with their risky attempts to play out from defence, with goalkeeper Joe Lumley gifting Chelsea their second goal, scored by Nkunku. While Saints were booed off at full-time, Martin, who was missing a host of key players due to injuries and suspensions, praised the effort of his depleted team. “When they see such a big scoreline and a couple of the goals we concede, I understand it (the jeers),” he said. “It’s football, it’s emotive, people feel so much about it, it’s why it’s such a special sport in this country and so big. “I understand it but I feel really proud of the players tonight, some of the football we played at 11 v 11 was amazing. “For an hour with 10 men we’ve dug in so deep, there were some big performances. I’m proud of them for that and I’m grateful for that because that’s not easy in that circumstance.”Brian Thompson, the CEO of UnitedHealthcare, who was fatally shot in Midtown Manhattan on Wednesday in what New York police called a "brazen, targeted attack," was a longtime leader in Corporate America, a model student and star high school athlete – and he had been caught up in a high-profile insider trading lawsuit this year. Thompson, 50, lived in Minnesota and was visiting New York for UnitedHealthcare's annual investors conference before he was killed. Thompson was appointed chief executive of UnitedHealthcare in 2021, and had been at the company since 2004. Prior to being named chief executive of UnitedHealthcare, Thompson worked as CEO of the company's government programs business, which includes its Medicare and retirement businesses. UnitedHealthcare is part of UnitedHealth Group, America's largest insurance company. Prior to joining UnitedHealthcare in 2004, Thompson worked as a manager and practiced as a CPA at PwC for nearly seven years. Thompson graduated from the University of Iowa in 1997 with a bachelor's degree in business administration with a major in accounting. He graduated as valedictorian, according to his LinkedIn. He was a Collegiate Scholar, Carver Scholar, State of Iowa Scholar and Faculty Scholar. Thompson graduated from South Hamilton High School in Jewell, Iowa, in 1993. Thompson was the valedictorian of his class, Heather Holm, the superintendent for South Hamilton Community School District, told CNN. "During his time at South Hamilton, Brian was a star student, athlete, homecoming king, and a respected leader. His achievements and character left a meaningful legacy within our schools and community," Holm said in a statement. "We join all who are mourning in remembering Brian's life and legacy." Thompson is remembered as a beloved leader and friend, according to UnitedHealth Group. "Brian was a highly respected colleague and friend to all who worked with him," the company said in a statement. Thompson in May was sued for alleged fraud and illegal insider trading. The Hollywood Firefighters' Pension Fund filed a lawsuit against UnitedHealth Group, CEO Andrew Witty, Executive Chairman Stephen Hemsley and Thompson, alleging the executives schemed to inflate the company's stock by failing to disclose a U.S. Justice Department antitrust investigation into the company. UnitedHealth Group in 2021 announced it would buy Change Healthcare. The Justice Department sued to break up the deal but a judge ultimately allowed it go through. But the Wall Street Journal in February 2024 reported the Department of Justice re-opened its case, even after the merger went through, to investigate whether the companies properly set up a so-called firewall to prevent customer information from flowing between divisions of the merged company. The lawsuit claimed Thompson knew about the investigation as early as October 2023 and sold 31% of his company shares, making a $15 million profit, 11 days before the Journal publicized the probe. The Journal report sent UnitedHealth's stock sinking 5%. The revelation of the alleged insider trading led Democratic Sens. Elizabeth Warren and Ed Markey to write a letter to the Securities and Exchange Commission on April 29, calling on Chairman Gary Gensler to investigate UnitedHealth for the executives' stock sales. The senators noted Thompson faced up to $5 million in penalties and 20 years of prison time if convicted. "The reports regarding these trades reveal a disturbing fact pattern," the senators wrote. "The timing of these trades... raises numerous questions." The lawsuit, which remains active, was seeking a jury trial and unspecified damages from UnitedHealth and the executives named in the suit, including Thompson. The Southern District of New York declined to comment. UnitedHealthcare did not respond to a request for comment on the lawsuit. CNN's Kara Scannell contributed to this report.
DAKAR: Senegalese Prime Minister Ousmane Sonko said Friday that his government would submit legislation to repeal a law by former president Macky Sall granting amnesty for deadly political violence. The controversial amnesty was granted just before March 2024 elections as Sall sought to calm protests sparked by his last-minute postponement of the vote in the traditionally stable West African country. Critics say the move was to shield perpetrators of serious crimes, including homicides, committed during three years of political tensions between February 2021 and February 2024. But it also allowed Sonko, a popular opposition figure, to stand in the elections after court convictions had made him ineligible, as well as Bassirou Diomaye Faye, who eventually won the presidency. Sonko’s government pledged earlier this month to investigate dozens of deaths resulting from the political violence between 2021 and 2024. “In addition to putting compensation for victims into the budget, a draft law will be submitted to your august Assembly to repeal the March 6, 2024 amnesty so that light may be shed and responsibilities determined on whatever side they may lie,” Sonko said in a highly awaited policy speech to lawmakers. “It’s not a witch hunt and even less vengeance ... It’s justice, the foundation without which social peace cannot be built,” Sonko said. Sonko’s speech also laid out plans for the next five years to pull Senegal out of three years of economic and political turmoil that have sent unemployment soaring. He and Faye, who won the presidency and in November secured a landslide victory in parliament, now have a clear path for implementing an ambitious, leftist reform agenda. “We must carry out a deep and unprecedented break never seen in the history of our country since independence” from France, Sonko told lawmakers. He said Senegal remained “locked into the colonial economic model” and vowed an overhaul of public action and tax reforms to foster “home-grown growth.”
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