NoneThe Gophers football program continued to address its needs along the offensive line on Saturday, getting commitments from Washington left tackle Kahlee Tafai and Kentucky left guard Dylan Ray out of the NCAA transfer portal. ADVERTISEMENT The U has four starters leaving after this season, including both tackles — Aireontae Ersery to the NFL Draft and Phillip Daniels in a transfer to Ohio State — and both senior guards Quinn Carroll and Tyler Cooper. The Gophers have added 13 total players through the transfer portal, including right guard Marcellus Marshall (Central Florida). Tafai, who is listed at 6-foot-5 and 330 pounds, moved into the Huskies’ starting lineup during his freshman season in 2024. He has three years of eligibility remaining. A native of Lawndale, Calif., Tafai played 267 offensive snaps in the Big Ten last season but had a low 38.5 overall grade from Pro Football Focus in his first extensive college experience. He also played a few snaps at right tackle a year ago. ADVERTISEMENT Ray, who is listed at 6-6 and 310, has played more than 1,000 snaps over the last two seasons for Kentucky after beginning his career with two years at West Virginia. He started 10 games for the SEC program in 2023, but only two last year. The Noblesville, Ind., native had a near-average grade of 57.5 from PFF in 2024. He has one year of eligibility remaining for the U next fall. ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .
Russian-made plane engine catches fire after landing in Turkey's Antalya AirportPerhaps it was the late-night flight from Orlando, but the New York Knicks admitted they were a step slow Saturday night before Jalen Brunson engineered an overtime victory over the host Washington Wizards. With a day of rest in between, the Knicks attempt to get off to a better start and stretch their winning streak to a season-high eight Monday night when they take on the Wizards again in the nation's capital. New York has five victories by single digits in its best run since winning nine straight Jan. 17-Feb. 1, 2024. The Knicks have scored at least 130 three times during this run while playing three games against teams under .500. After pulling away for a 23-point win over the Orlando Magic on Friday, the most difficult of those games against losing teams occurred Saturday when the Knicks needed overtime to earn a 136-132 win over Washington. Brunson scored 55 points for his second-highest point total, with 42 coming after halftime when the Knicks erased an 11-point deficit and tied the game in the final seconds. "We needed it," New York's Josh Hart said. "This one was a tough one for us. Back-to-back. I felt a little old today. So a lot of us felt the same way. We were a little slow. But he made big shots. That's why he's the captain. Find a way to win." Brunson (right calf tightness) is listed as questionable for Monday's game. The Knicks are hoping their defense is improved from Saturday when it matched a season high in points allowed. Brunson's big night helped compensate for the defensive woes as the Knicks shot 52.6 percent. Brunson has led the Knicks in scoring four times during their winning streak, while others have made massive contributions. Mikal Bridges scored 41 Wednesday against the San Antonio Spurs while Karl-Anthony Towns has three 30-point games in the streak, including 30 and 14 rebounds Saturday. The Wizards are 3-6 since their 16-game losing streak and are coming off their closest margin of defeat. Washington scored its second-most points of the season and shot at least 50 percent from the field for the third time (51.6 percent). Julian Champagnie scored 31 after totaling 14 in his previous three games. Malcolm Brogdon added 22 for his third-highest point total this season in a game when the Wizards hit 17 3s but could not stop Brunson and allowed 78 points in the paint. "This team is actually just getting better every day," Brogdon said. "We won that one game -- maybe that was Denver, or whatever game that was -- and we've seen ourselves, even with the losses after that game, get better every day, every practice, every game." Washington is hoping to get Kyle Kuzma back from a rib injury that has cost him 12 games. He has not played since Nov. 27 but could return Monday. This article first appeared on Field Level Media and was syndicated with permission.
With skyrocketing gold prices , it’s no surprise that more people are investing in gold . However, despite the fact that gold can be a good long-term investment, it does have some limitations, particularly when it comes to liquidity. Finding a buyer at the best price can be time-consuming, and when you’re in a bind and need cash quickly, selling your gold may not be easy compared to selling other precious metal investments like shares of gold stocks or gold exchange-traded funds . However, there is a way to leverage your gold in order to quickly access cash: Use your gold as a collateral on a loan. Since your gold acts to secure the loan, you’re more likely to qualify for a loan — even if you have a less-than-perfect credit score . How do gold loans work? A gold loan is a secured loan, meaning you provide something valuable as collateral. If you stop making payments, the lender can keep your collateral and potentially sell it to recoup the amount you still owe. Here’s how a gold loan works: 1. You provide the gold Decide whether you want to offer gold coins, gold bars or gold jewelry as collateral. Depending on the type of gold you’re holding, you may need to have 10-karat, 14-karat, 18-karat, 22-karat or 24-karat gold in order to secure a loan. IRS-approved gold coins, such as American Eagle Gold Proof Coins, are 22-karat gold. Businesses that will accept these and other gold assets include online gold dealers or in-person coin collectors and pawn shops. 2. The lender offers an amount and terms Your gold will be assessed for its quality and value. If you have any certificates of authenticity, provide them to make the process easier. The lender will want to examine the gold to determine its purity, quality and weight. They will then offer you an amount and an interest rate based on those factors. 3. Leave the gold with the lender Your gold is collateral to secure the loan, so you must leave it with the lender. If you’re using a mail service, make sure it’s reputable. Normally, you need to send in your gold and they will store it at a secure facility until you’ve repaid the loan. Often, mail services include insurance. If they don’t, read our guide on how to insure physical gold . Local pawn shops and coin collectors will arrange to store the gold until you make your final payment. Typically, they will give you a receipt or some other paperwork stating what gold items the lender is holding in your name; make sure you keep those records! They may be necessary to redeem your gold later. You receive your gold back once you satisfy the loan amount with interest. Pros and cons of a gold loan Before you decide to use your gold as collateral, you should first understand the advantages and disadvantages of doing so to secure a loan. Pros Use something valuable for cash without selling it. When you get a gold loan, you still own the asset. You don’t have to sell your coins, bars or jewelry in order to get cash. You can get approved with bad credit. An unsecured personal loan requires that you have relatively good credit to avoid paying a very high interest rate. You might not even qualify for a personal loan with poor credit. However, with your gold as collateral, a lender might be willing to provide the cash amount knowing they can sell the gold if needed. Rates can be lower compared to unsecured loans. Depending on the lender and other factors, you might be able to get a lower interest rate than you would normally get with an unsecured loan. Receive a relatively large amount, depending on the value. Based on the value of your physical gold, you might be able to secure a relatively large amount. Some online lenders will provide as much as $25,000 or more if your gold is of high quality. Cons You could lose your gold collateral. As with any other secured loan, you run the risk of losing your asset if you fail to satisfy the loan’s terms. If you can’t make payments and you default on the loan, the lender can keep your gold. If you’re using jewelry with sentimental value, you might not want to risk the loss. Interest rates and fees can be high. Even though you might be able to get a gold loan with bad credit, it doesn’t stop you from paying potentially high interest rates and fees. The quality of the gold might influence your interest rate. You can save on interest and fees if your gold is of sufficiently high quality. Limited loan amounts. The value of your gold limits your loan. Additionally, you likely won’t receive 100% of the value of your loan. Depending on the situation, you might only get an advance of up to 75% of the gold’s value. Funding can take time. Because of the nature of using gold as collateral, receiving your funds can take up to a week or longer. You might get your cash faster at a local coin or pawn shop, but it might still take several days before you receive the money. Who should get a gold loan? Before getting a gold loan, make sure it’s the right move for you. It doesn’t make sense for everyone, so examine your situation before moving forward. Here are some factors to consider if you’re thinking about using gold as collateral for a loan: Term length Consider getting a gold loan only if you know it will be a short-term advance. Try to pay off the loan as quickly as possible so you can recover your assets. Credit score In some cases, especially if you have poor credit, you might be better off getting a gold loan. While rates can be relatively high, they are often still lower on a secured loan than they would be for an unsecured loan with bad credit. If you can’t get the money you need with an unsecured personal loan due to a low credit score, using gold as collateral for a loan might be a good choice. You have high-quality gold Taking a gold loan works best if you have high-quality jewelry, coins or bars. Check to make sure your gold is investment-quality. If you have enough of it, and you don’t have to bring it all in, a gold loan might make sense. You can wait a few days for the money A gold loan can be a good choice if you’re not dealing with an immediate issue. If you need fast cash, you might be able to get it from a coin shop loan, but you still might have to wait. Bottom line on using gold as collateral for a loan High-quality gold can be used as collateral to get a secured loan. However, weighing the risk of losing your gold assets if you can’t make payments is important. Make sure you can get the money you need at a reasonable interest rate before moving forward.
Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews. Investing in the stock market is crucial for maintaining spending power and hedging against inflation. A diversified portfolio is a better long-term strategy for preserving wealth than holding cash. Extreme highs and lows in your portfolio and fixating on the short-term are signs you may be underinvesting. The US stock market continues to soar through the final quarter of the year, with major indexes like the Dow Jones, Nasdaq, and S&P 500 hitting record closes on Wednesday. Investors remain optimistic following Federal Reserve Chair Jerome Powell's comment that the US economy seems to be in "remarkably good shape." Now is a better time than ever to invest in the market. Here are four signs you're not investing enough in the stock market, according to financial advisors. 1. You keep everything in cash Holding onto your cash may seem like the safer option compared to risking it on the market. But in actuality, your money is losing value due to inflation diminishing the purchasing power of the US dollar. "Even though cash yields are better than five or six years ago, they're still low compared to inflation," Tom Graff, chief investment officer at Facet , told Business Insider. "By holding onto cash, you're functionally not making any money." The best way to combat inflation and preserve wealth is by investing in a diversified portfolio of stocks, bonds, and other securities. The S&P 500 index, a popular stock market benchmark, has a historic average annual return of 10% that far outperforms the US inflation rate of 2.6%. Savings accounts, on the other hand, only have an average return of 0.43% APY . That said, your bank account is still the right place for money you know you need to pay off short-term expenses like rent, groceries, and debt. Only invest money you won't need access to for at least several years. "We've all felt inflation over the last several years eat away at our earnings and our spending power," Corbin Blackwell, senior financial planner at Betterment , told BI. "You aren't getting anything from your savings account, but investing keeps pace with inflation." 2. You're experiencing extreme highs and lows in your portfolio "One sign that you're not investing enough in the stock market is if you're experiencing extreme highs and lows every time you look at your portfolio's performance," said Blackwell. Being thoroughly invested in the market doesn't necessarily mean buying more stocks or increasing the size of your portfolio, she says. Rather, it refers to diversifying your assets to gain exposure from multiple areas of the market. Someone who owns 100 shares of different technology companies is less diversified than someone who owns half that amount of shares but has exposure to a mix of market sectors like health care, real estate, financials, tech, and communication services. Similar to a roller coaster, an investment portfolio that lacks proper diversification is vulnerable to frequent market swings. These extreme highs, although thrilling, prevent your portfolio from growing at a steady and reliable pace. Instead, you're at greater risk of a major loss. Diversifying your investments across various market sectors is a proven strategy to mitigate risk and enhance your portfolio's performance. By spreading your investments, you can better weather market fluctuations and capitalize on opportunities in different sectors. "You don't need to spend a lot of money to have a diversified portfolio," said Blackwell. "You can buy a share of an ETF , which is already diversified in and of itself. But you shouldn't just buy one ETF, either." Don't know where to start? Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests. Start your search now. 3. You never increase your retirement contributions At the beginning of your working career, you likely could only contribute a small percentage of your paycheck to your 401(k) or another of the best retirement plans . But did you increase your contributions the last time you got a raise? As you make more money, contribute more toward your retirement plan to make up for the years you could only contribute a little. This is especially important if your employer offers a match, as this is essentially free money. Although retirement may feel light years away, time is paramount as retirement savings steadily grow with compound interest and long-term investment opportunities. As mentioned before, holding onto loads of cash diminishes its spending power. Blackwell noted that investing is a crucial step in securing retirement as you can't get back that time that you missed, and relying on Social Security alone isn't recommended. "If you don't have any help in the form of investment gains and compound interest, you're going to have a really hard time affording that retirement, especially when life expectancy is so long," said Blackwell 4. You're focused on short-term volatility rather than long-term gains Another sign of underinvesting is if you find yourself holding back from participating in the current market due to its short-term volatility. The market's daily fluctuations can look intimidating, especially if you're new to stock investing, but not all volatility is bad. Blackwell explains that financial advisors prefer people to invest long-term as many opportunities need time in the market to accumulate gains. "Investing isn't about the big wins," She said. "There's not enough certainty in any portfolio to only benefit from the upside. It's always a risk, return trade-off." Graff notes that current economic and political factors impact people's perspective and optimism about the market and the US economy as a whole. However, those circumstances generally impact the short-term rather than the actual long-term potential of the average investor's portfolio. "There's always something, and when the market has been up a lot, anything that goes wrong could be a downturn," said Graff. "At some point there's going to be a bear market again, but timing that is so difficult." At the end of the day, there's no better time to invest in the market than the present, as you risk missing out on growth opportunities by focusing on the short term instead of having a long-term perspective. Moreover, long-term investing is generally less risky and provides opportunities for recovery from market downturns. "It's not fair to tell investors not to worry about problems like inflation. Instead, the real advice is to use that time to your advantage," said Graff. Credit cards Investing apps Retirement savings Cryptocurrency The stock market Retail investing
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Historic Change in Syria: Assad Flees as Rebels TriumphShopping on Shein and Temu for holiday gifts? You're not the only oneNEW YORK , Nov. 22, 2024 /PRNewswire/ -- On the year of their 125 th year Anniversary, The E-J Group continues to expand to meet their client's needs by strengthening their presence in the Northeast. E-J has acquired State Electric Corporation. State Electric, located in Bedford, Massachusetts , has been in business since 1988 and is one of the most respected and trusted full-service electrical contractors in New England. The depth of experience and expertise, particularly in healthcare, life science, commercial, sports & entertainment, transportation, power and renewable energy, transmission, distribution and substation work, will only enhance the services offered to our clients. The E-J Group looks forward to providing their clients with additional experience, expertise, and innovative solutions to this area of the Northeast for the reliable, fast-track project delivery they are accustomed to. "We are pleased to welcome State Electric to the E-J Family," says Anthony E. Mann , CEO of the E-J Group. "State's culture of safety first, innovative solutions align with E-J's and makes for an ideal new member of the organization." "All our divisions operate under the same philosophy, safety first while delivering the best quality workmanship, utilizing prefabrication and lean construction solutions. We share the same client focused approach of doing business," states Ronnie Koning , President of State Electric Corp. "Being part of the E-J Group provides more opportunities for our employees and strengthens what we offer to our clients." State Electric will retain its name and cultural identity, with its current leadership continuing in their respective roles. Ronnie Koning will remain as President, reporting to E-J's EVP, Dave Ferguson . Brendan Dickie will continue as COO, and Jane Wu will maintain her position as Controller. Their collective expertise will remain instrumental to the organization's ongoing success. E-J has thrived and survived the test of time by emerging into nearly a $1 billion national electrical company with great financial strength, national clients, project diversity, and a company culture that is founded on Safety First. E-J currently has 15 offices in 5 states across the country in New York , New Jersey , Connecticut , Rhode Island , Arizona , and now Massachusetts . About E-J: The E-J Group is active in all facets of electrical contracting - we are not your typical electrical contractor. We bring experience, expertise and a national reputation on projects that vary in size to over $300 million . Typical installations include rail systems, transit facilities, office buildings, hospitals, power, renewable and clean energy, co-generation facilities, roadway and outdoor specialty, airports, industrial facilities, universities, sport stadiums, extra high voltage distribution, utility, and gas infrastructure. At E-J, four family generations of practical expertise have created an organization keyed to the most modern technological advances in providing rapid and efficient solutions to today's lighting, power, energy, and communication needs. E-J has a 125-year reputation for unparalleled integrity, quality, and service in the electrical field. Please visit our website at www.ej1899.com to learn more about the company. About State Electric Corporation: State Electric Corporation is a leading full-service electrical contractor in the Northeast. Since 1988, State Electric has been a trusted partner of owner's construction managers, utilities, low voltage integrators, and other business partners around the region. While working in partnership with clients, State continually executes the most complex and high-profile electrical construction projects on time and on budget. Headquartered in Bedford, Massachusetts , with a satellite office in Braintree , State Electric is a signatory contractor to the IBEW. Contact: Katie Nilsen , VP Business Development & Strategy – E-J Group 917-807-9496 View original content to download multimedia: https://www.prnewswire.com/news-releases/the-e-j-group-welcomes-state-electric-corporation-to-the-organization-302314568.html SOURCE E-J Electric Installation Co. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
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NoneNEW YORK, Nov. 24, 2024 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of WM Technology, Inc. MAPS between May 25, 2021, and September 24, 2024, both dates inclusive (the "Class Period"), of the important December 16, 2024 lead plaintiff deadline in the securities class action first filed by the Firm. SO WHAT: If you purchased WM Technology securities during the Class Period you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. WHAT TO DO NEXT: To join the WM Technology class action, go to https://rosenlegal.com/submit-form/?case_id=29177 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email case@rosenlegal.com for information on the class action. A class action lawsuit has already been filed. If you wish to serve as lead plaintiff, you must move the Court no later than December 16, 2024 . A lead plaintiff is a representative party acting on behalf of other class members in directing the litigation. WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions, but are merely middlemen that refer clients or partner with law firms that actually litigate the cases. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm achieved the largest ever securities class action settlement against a Chinese Company at the time. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered hundreds of millions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs' Bar. Many of the firm's attorneys have been recognized by Lawdragon and Super Lawyers. DETAILS OF THE CASE: According to the lawsuit, defendants throughout the Class Period made false and/or misleading statements and/or failed to disclose, among other things, that: (1) WM Technology's monthly average user metrics ("MAUs") were severely inflated for years; and (2) as a result, defendants' statements about its business, operations, and prospects, were materially false and misleading and/or lacked a reasonable basis at all relevant times. When the true details entered the market, the lawsuit claims that investors suffered damages. To join the WM Technology class action, go https://rosenlegal.com/submit-form/?case_id=29177 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email case@rosenlegal.com for information on the class action. No Class Has Been Certified. Until a class is certified, you are not represented by counsel unless you retain one. You may select counsel of your choice. You may also remain an absent class member and do nothing at this point. An investor's ability to share in any potential future recovery is not dependent upon serving as lead plaintiff. Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm or on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm . Attorney Advertising. Prior results do not guarantee a similar outcome. ------------------------------- Contact Information: Laurence Rosen, Esq. Phillip Kim, Esq. The Rosen Law Firm, P.A. 275 Madison Avenue, 40 th Floor New York, NY 10016 Tel: (212) 686-1060 Toll Free: (866) 767-3653 Fax: (212) 202-3827 case@rosenlegal.com www.rosenlegal.com © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.Wallabies' slam hopes slayed by Scots at Murrayfield
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