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NoneFLAGSTAFF, Ariz. (AP) — Trenton McLaughlin scored 23 points as Northern Arizona beat South Dakota 95-82 on Saturday. McLaughlin shot 6 of 14 from the field, including 2 for 7 from 3-point range, and went 9 for 12 from the line for the Lumberjacks (7-3). Jayden Jackson scored 20 points while going 6 of 9 and 7 of 9 from the free-throw line and added seven assists. Monty Bowser had 14 points and shot 6 for 7, including 2 for 3 from beyond the arc. Isaac Bruns led the way for the Coyotes (7-4) with 22 points and seven rebounds. Chase Forte added 15 points, five assists and four steals for South Dakota. Paul Bruns also had nine points. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Columnist's note: It is my honor to have as my guest columnist this Sunday one of the most promising linguists in the Philippines, Ma. Kaela Joselle R. Madrunio. She is a multitalented young scholar who began publishing and giving lectures as early as her undergraduate years. She has chosen to focus on forensic linguistics for her research, but she touches on many linguistics topics and themes that also touch on language and forensics. I am certain her mother, Prof. Marilu Rañosa-Madrunio, the pioneer of forensic linguistics in the Philippines, is very much delighted with the work she is doing. SEVERAL academic issues have become increasingly alarming with the introduction of artificial intelligence (AI) tools. Plagiarism is one of them, but one may ask: Were the suspected parts in a written work reviewed in detail before flagging these as plagiarized? Register to read this story and more for free . Signing up for an account helps us improve your browsing experience. OR See our subscription options.
For those on the right side of the political aisle, 2024 was a mixed bag. We had to trudge through the final year of Joe Biden’s disastrous presidency while fighting to prevent the administration from inflicting further economic carnage. Yet we also received an enormous gift with the victory of President-elect Donald Trump. Here are my top five moments of 2024. By far, this was best. Things did not look good for Trump at the start of the year, as he faced a litany of felony charges across multiple jurisdictions. But despite the legal onslaught, Trump refused to back down. (tncms-inline)9a826eb8-a769-4b71-b7ae-7e84438f7477[0](/tncms-inline) Aside from his legal problems, Trump faced several opponents as he fought for the GOP presidential nomination. In the spring, many political pundits and talking heads thought Trump could not win the Republican nomination. Yet he emerged victorious and united the GOP under the “Make America Great Again” banner. Trump then pulled off one of the biggest comebacks in political history as he cruised to victory and helped the Republican Party gain control of both houses of Congress. This election will go down in history as a turning point, considering the vast inroads Trump made among voters who traditionally voted for Democrats. Though the polls were tight heading into the debate between Trump and Biden, the absolutely pitiful performance by Biden completely changed the race. Soon after Biden flopped in front of millions of Americans, the Democratic Party pulled the plug on his reelection effort. Of course, this short-sighted move benefited Trump greatly, as it demonstrated that the sitting president was going senile. More important, it led to the rise of Vice President Kamala Harris to the top of the Democratic ticket. Considering Harris’ flip-flops on basically every central policy position, it really was a blessing in disguise that she inherited Biden’s place and was eventually destroyed by Trump. This could have easily been first or second on my list. In midsummer, Trump was crisscrossing the country, holding outdoor rallies. Unfortunately, Trump’s proclivity to engage with his supporters nearly cost him his life. But despite two would-be assassins somehow evading Secret Service detection — and one fired several shots — Trump was largely unharmed. While this was a blessing, we must never forget that one person, Corey Comperatore, died at the Butler, Pennsylvania, rally, and two others were wounded. On Oct. 14, SpaceX launched its Super Heavy Starship, the most powerful rocket in the world. Then, in an unprecedented engineering marvel, the 23-story-tall Super Heavy booster returned to the launch pad in an upright position and was “caught” without a hitch. It was like something straight out of a science-fiction movie, and it demonstrated that the age of space exploration has entered a new chapter. The department, known as DOGE, is an early Christmas present for conservatives and libertarians. For decades, we have been warning that the size and scope of the federal government is unsustainable and that big government is bad news for personal liberty. Finally, some significant spending cuts and institutional reforms are in the offing. With the national debt exceeding $36 trillion and trillion-dollar deficits the new normal, we need to downsize the federal bureaucracy and get back on sound fiscal footing before it is too late. Talgo is the editorial director at The Heartland Institute. He wrote this for InsideSources.com . Get local news delivered to your inbox!
Glancy Prongay & Murray LLP Reminds Investors of Looming Deadline in the Class Action Lawsuit Against TMC the metals company Inc. (TMC)Richard Drury iShares Core High Dividend ETF ( NYSEARCA: HDV ) rebounded strongly on the back of a healthy financial growth demonstrated by its holdings, in-line with a trend I predicted early in 2024. Looking forward into 2025, HDV and the entire Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.US homelessness up 18% as affordable housing remains out of reach for many people
NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.