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GREENSBORO, N.C. (AP) — Ryan Forrest's 30 points led N.C. A&T over North Carolina Central 85-72 on Saturday. Forrest shot 12 of 18 from the field, including 2 for 4 from 3-point range, and went 4 for 7 from the line for the Aggies (4-10). Landon Glasper scored 25 points while going 7 of 17 from the floor, including 5 for 12 from 3-point range, and 6 for 6 from the line. Jahnathan Lamothe went 3 of 7 from the field (1 for 4 from 3-point range) to finish with nine points, while adding eight rebounds. The Aggies stopped an eight-game skid with the win. Po'Boigh King finished with 21 points for the Eagles (6-10). Keishon Porter added 11 points and seven rebounds for North Carolina Central. Dionte Johnson also recorded 11 points. N.C. A&T took the lead with 1:28 remaining in the first half and never looked back. The score was 46-39 at halftime, with Glasper racking up 18 points. Forrest scored 18 points in the second half to help lead the way as N.C. A&T went on to secure a victory, outscoring North Carolina Central by six points in the second half. NEXT UP Up next for N.C. A&T is a matchup Thursday with Elon at home. North Carolina Central hosts Saint Andrews (NC) on Tuesday. The Associated Press created this story using technology provided by and data from .
Davina McCall's boyfriend confirms her return to work date following brain surgery
UN publishes new death toll for massacre of older people and Vodou religious leaders in HaitiNo. 22 Iowa State still has a chance to play for a Big 12 title as Cyclones prepare to face UtahThe Argentine diplomatic residence in Caracas, where five members of the Venezuelan opposition are staying to avoid arrest, has become a “prison”, one opposition member staying there said on Saturday. The residence has been without power for more than a month, Magalli Meda, adviser to opposition leader Maria Corina Machado, said on social media. “It’s a violation of our human rights. It’s become an embassy prison,” she wrote. The Venezuelan government claims the power cut came after the residence did not pay the electricity bill. The opposition members have been holed up in the residence since warrants were issued for their arrest in March.
Former New York City Mayor Rudy Giuliani had a fiery exchange with a judge in his ongoing case involving the possible seizure of his assets by two former Georgia election workers. The Exchange U.S. District Judge Lewis J. Liman announced he would no longer permit the former New York City mayor and one-time presidential candidate to make unsolicited remarks in court unless he is testifying under oath. The disruption occurred during an otherwise routine pretrial hearing in Manhattan as the judge pressed Giuliani's attorney on why Giuliani has yet to hand over the title to a car he surrendered as part of efforts to address a $148 million defamation judgment awarded to two former Georgia election workers. "Your client was the U.S. attorney for this district," the judge remarked, referencing Giuliani's tenure in the 1980s as head of the federal prosecutor's office in the Southern District of New York. He questioned Giuliani's inability to obtain a duplicate title for the car, suggesting it was difficult to believe. Giuliani leaned forward and addressed the judge through a microphone, explaining that he had requested a duplicate title for the car, but it had not yet been issued. "The implication I've been not diligent about it is totally incorrect," Giuliani said to the judge. "The implication you make is against me and every implication against me is wrong." Giuliani continued, "I'm not impoverished. Everything I have is tied up. I don't have a car. I don't have a credit card. I don't have cash. I can't get to bank accounts that truly would be mine because they have put...stop orders on, for example, my Social Security account, which they have no right to do." Judge Liman then warned Giuliani's legal team saying "he's not going to be permitted to speak and the court will take action." Judge Liman stated that if Giuliani wishes to speak in court again, he will need to take the witness stand and testify under oath. Giuliani's Asset Case Giuliani was found liable for defamation last year and ordered to pay $148 million to former election workers Ruby Freeman and her daughter, Wandrea "Shaye" Moss, after accusing them of ballot tampering while promoting President-elect Donald Trump 's debunked election fraud claims. The women reported receiving death threats following Giuliani's allegations that they smuggled ballots in suitcases, counted votes multiple times and manipulated voting machines. Tuesday's exchange occurred during a hearing where the judge denied a request to postpone the January 16 trial concerning the fate of Giuliani's Florida home and his World Series rings. The Florida residence and World Series rings are among the assets Giuliani is attempting to protect from confiscation under Liman's order, which requires him to surrender numerous prized possessions to the poll workers. Earlier in the hearing, defense attorney Joseph M. Cammarata requested a one-month delay for the non-jury trial, citing Giuliani's "involvement" in planning the inauguration for President-elect Donald Trump. However, the judge rejected the request, stating that Giuliani's "social calendar" was not a valid justification for delaying the trial. This article includes reporting from The Associated Press.Harris Dickinson was nervous to approach Nicole Kidman . This would not necessarily be notable under normal circumstances, but the English actor had already been cast to star opposite her in the erotic drama “Babygirl,” as the intern who initiates an affair with Kidman's buttoned-up CEO. They’d had a zoom with the writer-director Halina Reijn, who was excited by their playful banter and sure that Dickinson would hold his own. And yet when he found himself at the same event as Kidman, shyness took over. He admitted as much to Margaret Qualley, who took things into her own hands and introduced them. “She helped me break the ice a bit,” Dickinson said in a recent interview with The Associated Press. On set would be an entirely different story. Dickinson might not be nearly as “puckishly audacious” as his character Samuel but in the making of “Babygirl,” he, Kidman and Reijn had no choice but to dive fearlessly into this exploration of sexual power dynamics, going to intimate, awkward, exhilarating and meme-able places. It’s made the film, in theaters Christmas Day, one of the year’s must-sees. “There was an unspoken thing that we adhered to,” Dickinson said. “We weren’t getting to know each other’s personal lives. When we were working and we were the characters, we didn’t veer away from the material. I never tried to attach all of the history of Nicole Kidman. Otherwise it probably would have been a bit of a mess.” His is a performance that reconfirms what many in the film world have suspected since his debut seven years ago as a Brooklyn tough questioning his sexuality in Eliza Hittman’s “Beach Rats” : Dickinson is one of the most exciting young talents around. Dickinson, 28, grew up in Leytonstone, in East London — the same neck of the woods as Alfred Hitchcock. Cinema was in his life, whether it was Christopher Nolan’s “Batman” films at the local multiplex or venturing into town to see the more social realist films of Mike Leigh and Ken Loach. “Working class cinema interested me,” he said. “People around me that represented my world.” Appropriately, his entry into making art started behind the camera, with a comedy web series he made as a kid, which he now describes as “really bad spoofs” of films and shows of the time. But things started to really click when he began acting in the local theater. “I remember feeling invigorated by it and accepted,” he said. “I felt myself for the first time and felt able to express myself in a way where I didn’t feel vulnerable and I felt alive and ignited by something.” At around 17, someone suggested that he should give acting a try professionally. He hadn’t even fully understood that it was a career possibility, but he started auditioning. At 20, he was cast in “Beach Rats” and, he said, just “kept going.” Since then, he’s gotten a wide range of opportunities in films both big, including “The King’s Man,” and small. He’s captivated as a male model in Ruben Östlund’s Cannes-winning “Triangle of Sadness,” an estranged father to a 12-year-old in Charlotte Regan’s “Scrapper,” an actor bringing an ex-boyfriend to life in Joanna Hogg’s “The Souvenir Part II,” the charismatic, tragic wrestler David Von Erich in Sean Durkin’s “The Iron Claw” and a soldier in Steve McQueen’s “Blitz.” But “Babygirl” would present new challenges and opportunities with a character who’s almost impossible to define. “He was confusing in a really interesting way. There wasn’t loads of specificity to it, which I enjoyed because it was a bit of a challenge to sort of pinpoint exactly what it was that drove him and made him tick,” Dickinson said. “There was a directness that unlocked a lot for me, like a fearlessness with the way he spoke, or a social unawareness in a way — like not fully realizing what he’s saying is affecting someone in a certain way. But I didn’t make too many rules for him.” Part of the allure of the film is the ever-shifting power dynamics between the two characters, which could change over the course of a scene. As Reijn said, “It’s a cautionary tale about what happens when you suppress your own desires.” She was especially in awe of Dickinson's ability to make everything feel improvised and the fact that he could look like a 12-year-old boy in one shot and a confident 45-year-old man in the next. Since its premiere at the Venice Film Festival earlier this year, the film has led to some surprisingly direct conversations with audiences spanning generations. But that, Dickinson understood, was what Reijn wanted. “She really wanted to show the ugliness and the awkwardness of these things, of these relationships and sex,” he said. “That sort of fumbly version and the performative version of it is way more interesting, to me at least, than the kind of fantasized, romanticized, sexy thing that we’ve seen a lot.” Dickinson recently stepped behind the camera again, directing his first feature film under the banner of his newly formed production company. Set against the backdrop of homelessness in London, “Dream Space” is about a drifter trying to assimilate and understand his cyclical behavior. The film, which wrapped earlier this year, has given him a heightened appreciation for just how many people are indispensable in the making of a film. He’s also started to understand that “acting is just being able to relax.” “When you’re relaxed, you can do stuff that is truthful,” he said. “That only happens if you’ve got good people around you: The director that creates the good environment. The intimacy coordinator facilitating a safe space. A coworker in Nicole encouraging that kind of bravery and performance with what she’s doing.” Dickinson did eventually get to the point where he managed to ask Kidman questions about working with Stanley Kubrick and Lars Von Trier. But he also kept one shattering possibility between himself and his director. “There is a world in which Samuel doesn’t even exist. He’s just a sort of a device or a figment for her own story. And I like that because it kind of means you can take the character into a very unrealistic realm at times and be almost like a deity in the story,” Dickinson said. “We didn’t talk about it with Nicole.”JERUSALEM — The ceasefire between Israel and Lebanon’s Hezbollah militants began early Wednesday as a region on edge wondered whether it will hold. The ceasefire announced Tuesday is a major step toward ending nearly 14 months of fighting sparked by the ongoing war in Gaza between Israel and Hamas. Israel said it will attack if Hezbollah breaks the ceasefire agreement. The ceasefire calls for an initial two-month halt to fighting and requires Hezbollah to end its armed presence in southern Lebanon, while Israeli troops are to return to their side of the border. An international panel led by the United States will monitor compliance. People are also reading... Sheriff: 1 arrested, 1 wanted after Statesville man strangled, robbed Basketball transfer Patterson back home at West Iredell to 'bring in some wins' Baseball league cries foul as Iredell plans to charge to use Jennings Park fields Silverado stolen in Iredell County linked to federal charges against multi-state car theft ring Lake Norman residents voice concerns with Marshall Steam Station changes Alexander County man charged with murder in death of grandmother Statesville falls to Hickory, Mooresville tops NW Guilford in football playoffs Mooresville's Farmer, Graham picked to play in Shrine Bowl Historian, writer Bill Moose subject of Iredell County Historical Society event Monday Statesville Police Department welcomes first police attorney, Stephanie Adkins Iredell deputies charge Catawba County men with stealing Duke Energy wire Statesville man hands out free meals at Thanksgiving to keep promise to God The Tulsa World and Lee Enterprises deadly police chase investigation See who had babies at Iredell Memorial: Oct. 24-Nov. 15 16 siblings were to be separated until Cornerstone Christian Academy staff stepped up in Statesville The ceasefire began at 4 a.m. Wednesday, a day after Israel carried out its most intense wave of airstrikes in Beirut since the start of the conflict that in recent weeks turned into all-out war. At least 42 people were killed in strikes across the country, according to local authorities. Smoke rises following an Israeli airstrike on Dahiyeh, in Beirut, Lebanon, Tuesday, Nov. 26, 2024. The ceasefire does not address the devastating war in Gaza , where Hamas is still holding dozens of hostages and the conflict is more intractable. There appeared to be lingering disagreement over whether Israel would have the right to strike Hezbollah if it believed the militants had violated the agreement, something Prime Minister Benjamin Netanyahu insisted was part of the deal but which Lebanese and Hezbollah officials have rejected. Israel's security Cabinet approved the U.S.-France-brokered ceasefire agreement after Netanyahu presented it, his office said. U.S. President Joe Biden, speaking in Washington, called the agreement “good news” and said his administration would make a renewed push for a ceasefire in Gaza. The Biden administration spent much of this year trying to broker a ceasefire and hostage release in Gaza but the talks repeatedly sputtered to a halt . President-elect Donald Trump has vowed to bring peace to the Middle East without saying how. Still, any halt to the fighting in Lebanon is expected to reduce the likelihood of war between Israel and Iran, which backs both Hezbollah and Hamas and exchanged direct fire with Israel on two occasions earlier this year. Netanyahu presented the ceasefire proposal to Cabinet ministers after a televised address in which he listed accomplishments against Israel’s enemies across the region. He said a ceasefire with Hezbollah would further isolate Hamas in Gaza and allow Israel to focus on its main enemy, Iran. “If Hezbollah breaks the agreement and tries to rearm, we will attack,” he said. “For every violation, we will attack with might.” The ceasefire deal calls for a two-month initial halt in fighting and would require Hezbollah to end its armed presence in a broad swath of southern Lebanon, while Israeli troops would return to their side of the border. Thousands of additional Lebanese troops and U.N. peacekeepers would deploy in the south, and an international panel headed by the United States would monitor compliance. Biden said Israel reserved the right to quickly resume operations in Lebanon if Hezbollah breaks the terms of the truce, but that the deal "was designed to be a permanent cessation of hostilities.” A police bomb squad officer inspects the site where a rocket fired from Lebanon landed in a backyard in Kiryat Shmona, northern Israel, Tuesday Nov. 26, 2024. Netanyahu’s office said Israel appreciated the U.S. efforts in securing the deal but “reserves the right to act against every threat to its security.” Lebanon’s caretaker Prime Minister Najib Mikati welcomed the ceasefire and described it as a crucial step toward stability and the return of displaced people. Hezbollah has said it accepts the proposal, but a senior official with the group said Tuesday it had not seen the agreement in its final form. “After reviewing the agreement signed by the enemy government, we will see if there is a match between what we stated and what was agreed upon by the Lebanese officials,” Mahmoud Qamati, deputy chair of Hezbollah’s political council, told the Al Jazeera news network. “We want an end to the aggression, of course, but not at the expense of the sovereignty of the state," he said, referring to Israel's demand for freedom of action. “Any violation of sovereignty is refused.” Rescuers and residents search for victims Tuesday, Nov. 26, 2024, at the site of an Israeli airstrike that targeted a building in Beirut, Lebanon. Even as ceasefire efforts gained momentum in recent days, Israel continued to strike what it called Hezbollah targets across Lebanon while the militants fired rockets, missiles and drones across the border. An Israeli strike on Tuesday leveled a residential building in central Beirut — the second time in recent days warplanes have hit the crowded area near downtown. At least seven people were killed and 37 wounded, according to Lebanon's Health Ministry. Israel also struck a building in Beirut's bustling commercial district of Hamra for the first time, hitting a site around 400 meters (yards) from Lebanon’s Central Bank. There were no reports of casualties. The Israeli military said it struck targets linked to Hezbollah's financial arm. The evacuation warnings covered many areas, including parts of Beirut that previously were not targeted. Residents fled. Traffic was gridlocked, with mattresses tied to some cars. Dozens of people, some wearing pajamas, gathered in a central square, huddling under blankets or standing around fires as Israeli drones buzzed overhead. Israeli military spokesman Avichay Adraee issued evacuation warnings for 20 buildings in Beirut's southern suburbs, where Hezbollah has a major presence, as well as a warning for the southern town of Naqoura where the U.N. peacekeeping mission, UNIFIL, is headquartered. UNIFIL spokesperson Andrea Tenenti said peacekeepers will not evacuate. Israeli soldiers inspect the site Tuesday Nov. 26, 2024, where a rocket fired from Lebanon landed in a backyard in Kiryat Shmona, northern Israel. The Israeli military also said its ground troops clashed with Hezbollah forces and destroyed rocket launchers in the Slouqi area on the eastern end of the Litani River, a few kilometers (miles) from the Israeli border. Under the ceasefire deal, Hezbollah is required to move its forces north of the Litani, which in some places is about 30 kilometers (20 miles) north of the border. Hezbollah began firing into northern Israel on Oct. 8, 2023, saying it was showing support for the Palestinians, a day after Hamas carried out its attack on southern Israel, triggering the Gaza war. Israel returned fire on Hezbollah, and the two sides have exchanged barrages ever since. Israel escalated its bombardment in mid-September and later sent troops into Lebanon, vowing to put an end to Hezbollah fire so tens of thousands of evacuated Israelis could return to their homes. Israeli security officers and army soldiers inspect the site Tuesday Nov. 26, 2024, where a rocket fired from Lebanon landed in a backyard in Kiryat Shmona, northern Israel. More than 3,760 people have been killed by Israeli fire in Lebanon the past 13 months, many of them civilians, according to Lebanese health officials. The bombardment has driven 1.2 million people from their homes. Israel says it has killed more than 2,000 Hezbollah members. Hezbollah fire has forced some 50,000 Israelis to evacuate in the country’s north, and its rockets have reached as far south in Israel as Tel Aviv. At least 75 people have been killed, more than half of them civilians. More than 50 Israeli soldiers have died in the ground offensive in Lebanon. Chehayeb and Mroue reported from Beirut and Federman from Jerusalem. Associated Press reporters Lujain Jo and Sally Abou AlJoud in Beirut and Aamer Madhani in Washington contributed. Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission. Stay up-to-date on the latest in local and national government and political topics with our newsletter.Arcadium Lithium Announces Shareholder Approval of Proposed Rio Tinto Transaction and Provides Regulatory Update
Researchers develop an efficient way to train more reliable AI agents November 22, 2024 Massachusetts Institute of Technology Researchers developed an efficient approach for training more reliable reinforcement learning models, focusing on complex tasks that involve variability. This could enable the leverage of reinforcement learning across a wide range of applications. Facebook Twitter Pinterest LinkedIN Email Fields ranging from robotics to medicine to political science are attempting to train AI systems to make meaningful decisions of all kinds. For example, using an AI system to intelligently control traffic in a congested city could help motorists reach their destinations faster, while improving safety or sustainability. Unfortunately, teaching an AI system to make good decisions is no easy task. Reinforcement learning models, which underlie these AI decision-making systems, still often fail when faced with even small variations in the tasks they are trained to perform. In the case of traffic, a model might struggle to control a set of intersections with different speed limits, numbers of lanes, or traffic patterns. To boost the reliability of reinforcement learning models for complex tasks with variability, MIT researchers have introduced a more efficient algorithm for training them. The algorithm strategically selects the best tasks for training an AI agent so it can effectively perform all tasks in a collection of related tasks. In the case of traffic signal control, each task could be one intersection in a task space that includes all intersections in the city. By focusing on a smaller number of intersections that contribute the most to the algorithm's overall effectiveness, this method maximizes performance while keeping the training cost low. The researchers found that their technique was between five and 50 times more efficient than standard approaches on an array of simulated tasks. This gain in efficiency helps the algorithm learn a better solution in a faster manner, ultimately improving the performance of the AI agent. "We were able to see incredible performance improvements, with a very simple algorithm, by thinking outside the box. An algorithm that is not very complicated stands a better chance of being adopted by the community because it is easier to implement and easier for others to understand," says senior author Cathy Wu, the Thomas D. and Virginia W. Cabot Career Development Associate Professor in Civil and Environmental Engineering (CEE) and the Institute for Data, Systems, and Society (IDSS), and a member of the Laboratory for Information and Decision Systems (LIDS). She is joined on the paper by lead author Jung-Hoon Cho, a CEE graduate student; Vindula Jayawardana, a graduate student in the Department of Electrical Engineering and Computer Science (EECS); and Sirui Li, an IDSS graduate student. The research will be presented at the Conference on Neural Information Processing Systems. Finding a middle ground To train an algorithm to control traffic lights at many intersections in a city, an engineer would typically choose between two main approaches. She can train one algorithm for each intersection independently, using only that intersection's data, or train a larger algorithm using data from all intersections and then apply it to each one. But each approach comes with its share of downsides. Training a separate algorithm for each task (such as a given intersection) is a time-consuming process that requires an enormous amount of data and computation, while training one algorithm for all tasks often leads to subpar performance. Wu and her collaborators sought a sweet spot between these two approaches. For their method, they choose a subset of tasks and train one algorithm for each task independently. Importantly, they strategically select individual tasks which are most likely to improve the algorithm's overall performance on all tasks. They leverage a common trick from the reinforcement learning field called zero-shot transfer learning, in which an already trained model is applied to a new task without being further trained. With transfer learning, the model often performs remarkably well on the new neighbor task. "We know it would be ideal to train on all the tasks, but we wondered if we could get away with training on a subset of those tasks, apply the result to all the tasks, and still see a performance increase," Wu says. To identify which tasks they should select to maximize expected performance, the researchers developed an algorithm called Model-Based Transfer Learning (MBTL). The MBTL algorithm has two pieces. For one, it models how well each algorithm would perform if it were trained independently on one task. Then it models how much each algorithm's performance would degrade if it were transferred to each other task, a concept known as generalization performance. Explicitly modeling generalization performance allows MBTL to estimate the value of training on a new task. MBTL does this sequentially, choosing the task which leads to the highest performance gain first, then selecting additional tasks that provide the biggest subsequent marginal improvements to overall performance. Since MBTL only focuses on the most promising tasks, it can dramatically improve the efficiency of the training process. Reducing training costs When the researchers tested this technique on simulated tasks, including controlling traffic signals, managing real-time speed advisories, and executing several classic control tasks, it was five to 50 times more efficient than other methods. This means they could arrive at the same solution by training on far less data. For instance, with a 50x efficiency boost, the MBTL algorithm could train on just two tasks and achieve the same performance as a standard method which uses data from 100 tasks. "From the perspective of the two main approaches, that means data from the other 98 tasks was not necessary or that training on all 100 tasks is confusing to the algorithm, so the performance ends up worse than ours," Wu says. With MBTL, adding even a small amount of additional training time could lead to much better performance. In the future, the researchers plan to design MBTL algorithms that can extend to more complex problems, such as high-dimensional task spaces. They are also interested in applying their approach to real-world problems, especially in next-generation mobility systems. The research is funded, in part, by a National Science Foundation CAREER Award, the Kwanjeong Educational Foundation PhD Scholarship Program, and an Amazon Robotics PhD Fellowship. Story Source: Materials provided by Massachusetts Institute of Technology . Original written by Adam Zewe. Note: Content may be edited for style and length. Journal Reference : Cite This Page :
Share Tweet Share Share Email Financial empowerment remains a critical challenge for many communities. Traditional banking systems often exclude those in low-income brackets, leaving them without access to basic savings and credit services. However, a grassroots solution has emerged to address this gap: social micro-savings groups. These community-based initiatives bring people together to collectively save money and work toward shared financial goals, proving that unity can drive transformative change . Understanding Social Micro-Savings Groups Social micro-savings groups are informal collectives where members pool their savings. These groups are typically composed of individuals from similar socioeconomic backgrounds, often within the same community. Members contribute small amounts of money regularly, creating a shared fund. This pool of resources can be used to provide loans, support emergencies, or invest in shared projects. Unlike formal financial institutions, these groups operate on mutual trust and transparency. They have minimal overhead costs, making them accessible to people who might otherwise be excluded from traditional banking systems. Additionally, they foster a sense of ownership and accountability, as each member has a direct stake in the group’s success. Core Principles of Micro-Savings Groups Collective Responsibility: Each member contributes to and benefits from the group’s resources. This shared accountability ensures the system remains functional. Transparency: Regular meetings and clear documentation maintain trust among members. Flexibility: Contributions are tailored to suit the financial capabilities of members. Inclusivity: Groups often prioritize marginalized individuals, including women and rural populations. Benefits of Micro-Savings Groups Financial Inclusion For many individuals, access to formal banking services is a distant dream due to high fees, stringent requirements, or geographic barriers. Micro-savings groups bridge this gap by providing a simple, accessible platform for saving money and accessing credit. Members can build financial resilience without navigating the complexities of traditional banking. Empowerment Through Community Being part of a micro-savings group fosters a sense of belonging and mutual support. Members often share knowledge, skills, and resources, creating a supportive network. This collective strength enables individuals to pursue financial goals they might not achieve alone. Encouraging Savings Habits Saving money can be challenging, especially for those living paycheck to paycheck. Micro-savings groups instill discipline by requiring regular contributions. Over time, members develop a habit of saving, which can lead to greater financial stability. Access to Credit In emergencies or for investment purposes, accessing loans can be crucial. Micro-savings groups offer an alternative to predatory lenders by providing low-interest loans from the shared fund. This system ensures that financial assistance remains affordable and within the community. How Micro-Savings Groups Operate Formation and Membership Groups usually form organically, with members coming together based on mutual trust. Ideal group sizes range from 10 to 25 members, ensuring manageability while fostering a sense of community. Once formed, members establish rules, including contribution amounts, meeting schedules, and loan terms. Contribution and Savings Members contribute fixed amounts at regular intervals, such as weekly or monthly. These contributions are recorded meticulously to ensure transparency. The accumulated savings create a fund that members can borrow from as needed. Loan Disbursement and Repayment Loans are granted based on group consensus, with clear repayment terms and minimal interest rates. Members are motivated to repay loans promptly, as the fund’s sustainability depends on it. Default rates are typically low due to the high level of trust within the group. Profit Sharing At the end of a savings cycle, often a year, the group distributes the accumulated savings and any profits from loan interest among members. This payout serves as a tangible reward for collective effort and financial discipline. The Role of Women in Micro-Savings Groups Women play a pivotal role in the success of micro-savings groups. In many communities, they are the primary caretakers and financial planners. By participating in these groups, women gain access to resources that can improve their families’ well-being. Micro-savings groups also provide a platform for women to develop leadership skills. As treasurers, secretaries, or chairpersons, they gain experience in financial management and decision-making. This empowerment extends beyond the group, enabling women to take on more active roles in their communities. Challenges and Solutions Lack of Financial Literacy Many participants may have limited knowledge of financial management, which can hinder the group’s effectiveness. Regular training sessions on budgeting, saving, and record-keeping can address this issue. Trust Issues Trust is the foundation of micro-savings groups. Any breach, such as mismanagement of funds, can jeopardize the group’s stability. To prevent this, members should establish clear rules and accountability mechanisms. Limited Funds The small contributions of members may not always meet the group’s financial needs. Partnering with NGOs or local governments can provide additional resources and support. Examples of Successful Micro-Savings Initiatives Village Savings and Loan Associations (VSLAs) VSLAs are a popular model of micro-savings groups, particularly in Africa. These groups have helped thousands of rural families access financial services, invest in businesses, and improve their quality of life. Self-Help Groups (SHGs) in India SHGs empower women in rural areas by providing them with access to savings and credit. These groups have significantly contributed to poverty reduction and women’s empowerment. Rotating Savings and Credit Associations (ROSCAs) ROSCAs operate on a rotating basis, where each member receives the entire savings pool at a predetermined time. This system is simple yet effective in addressing immediate financial needs. The Future of Micro-Savings Groups As technology advances, micro-savings groups are evolving. Digital platforms and mobile banking are making it easier for groups to manage their funds and expand their reach. Apps designed specifically for savings groups can facilitate record-keeping, enhance transparency, and connect members with additional financial services. Moreover, partnerships with microfinance institutions and NGOs can amplify the impact of these groups, providing them with access to training, funding, and resources. By leveraging technology and collaboration, micro-savings groups can continue to thrive and empower more communities. Conclusion Social micro-savings groups are a testament to the power of collective effort. By pooling resources and working together, individuals can overcome financial barriers and achieve their dreams. These groups not only provide practical financial solutions but also foster a sense of community and empowerment. As they continue to grow and evolve, micro-savings groups have the potential to transform countless lives, proving that unity truly is strength . Related Items: Share Tweet Share Share Email CommentsMan City crisis continues as Feyenoord come from three down to drawKabul: A total of 970,000 Afghan refugees have returned to their motherland from Iran, Pakistan and Turkey in the past eight months. “Among them, about 88,000 are from Pakistan, around 5,000 from Turkey, and the remaining from Iran,” the media quoted Abdul Mutalib Haqqani, spokesman for the Ministry of Refugees and Repatriation, Xinhua news agency reported quoting local media outlet TOLO news on Sunday. According to official data released by the ministry, about 7 million Afghan refugees are living abroad, with the majority of them in Afghanistan’s neighbouring Pakistan and Iran. The Afghan caretaker government has been repeatedly urging Afghan refugees to cease living abroad as refugees and return home to contribute to the rebuilding of their war-damaged country.
President-elect Donald Trump entered the fray in a debate over immigration policy that’s dividing his supporters, telling the New York Post he favors a visa program for highly skilled workers that Elon Musk has strongly defended. Musk is among tech leaders stoking a social media storm this week over how to bring top talent to the U.S. — revealing friction between Trump’s Silicon Valley supporters and anti-immigration sentiment that helps fuel his base. “I’ve always been in favor of the visas,” Trump told the Post in a phone interview. “I’ve been a believer in H-1B. I have used it many times.” Many employees at Trump properties have H-1B visas, which allow companies to hire foreign workers in specialty occupations. “It’s a great program,” Trump told the outlet. Trump’s stance may indicate an emerging alignment with Musk, whose backing for the former and future president made him the largest single donor in the U.S. election. “There is a permanent shortage of excellent engineering talent. It is the fundamental limiting factor in Silicon Valley,” Musk, who used an H-1B visa to work in the U.S., wrote previously on X. Vivek Ramaswamy, whom Trump has tapped along with Musk to run a government efficiency initiative, also weighed in. He drew particular attention for a post arguing that “American culture has venerated mediocrity over excellence.” Trump during his first term restricted several visa types including H-1B, citing the need to protect American workers as the COVID-19 pandemic led to job losses in the U.S. President Joe Biden let the measures expire. Trump’s comments on Saturday hint at his malleability on policy specifics and penchant for letting supporters battle over issues before stepping in. The dispute began after Laura Loomer, a far-right activist with longstanding ties to the president-elect, criticized his decision to name Indian-born investor Sriram Krishnan as a senior policy adviser on artificial intelligence. Loomer assailed previous comments by Krishnan advocating for increased access to green cards and skilled worker visas, calling it antithetical to Trump’s “America First” stance. That prompted pushback from Musk and Vivek Ramaswamy, who argued that U.S. companies needed to recruit top talent from across the world to remain competitive. The clash may frame how the incoming administration approaches immigration, which has long bedeviled U.S. policymakers, including Trump’s first administration. Trump himself offered a more open approach to visas when prompted during a podcast interview with venture capitalists David Sacks, Chamath Palihapitiya and Jason Calacanis and entrepreneur David Friedberg. “You graduate from a college, I think you should get automatically as part of your diploma a green card to be able to stay in this country and that includes junior colleges too,” Trump said. ©2024 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.Claro Enterprise Solutions Expands Technology Service Offerings to Accelerate Mergers and Acquisitions Integrations
Pep Guardiola’s side at least avoided the indignity of a sixth successive defeat in all competitions but alarm bells continue to ring at the Etihad Stadium after a dramatic late capitulation. A double from Erling Haaland – the first from the penalty spot – and a deflected effort from Ilkay Gundogan, all in the space of nine minutes either side of the break, looked to have ensured a return to winning ways. Yet Guardiola was left with his head in hands as Feyenoord roared back in the last 15 minutes with goals from Anis Hadj Moussa, Sergio Gimenez and David Hancko, two of them after Josko Gvardiol errors. City almost snatched a late winner when Jack Grealish hit the woodwork but there was no masking another dispiriting result. It was hardly the preparation City wanted for Sunday’s crunch trip to Liverpool, and the Feyenoord fans took great delight in rubbing that fact in. They sung the club anthem they share with Liverpool, You’ll Never Walk Alone, and chanted the name of their former manager Arne Slot, the current Reds boss. Guardiola arrived at the ground with a cut on the bridge of his nose and, once again, his side have been struck a nasty blow. Despite not being at their best, they had dominated early on against what seemed limited Dutch opposition. They threatened when a Gundogan shot was deflected wide and Haaland then went close to opening the scoring when he turned a header onto the post. Feyenoord goalkeeper Timon Wellenreuther gifted City another chance when he passed straight to Bernardo Silva but Grealish’s fierce volley struck team-mate Phil Foden. Foden forced a save from Wellenreuther but City had a moment of alarm when Igor Paixao got behind the defence only to shoot tamely at Ederson. Nathan Ake missed the target with a header but some luck finally went City’s way just before the break when Quinten Timber, brother of Arsenal’s Jurrien, was harshly adjudged to have fouled Haaland. The Norwegian rammed home the resulting spot-kick and City returned re-energised for the second period. They won a corner when a Matheus Nunes shot was turned behind and Gundogan fired the hosts’ second – albeit with aid of a deflection – with a firm volley from the edge of the box. City turned up the heat and claimed their third soon after as Gundogan released Nunes with a long ball and his low cross was turned into the net by a sliding Haaland. 44' ⚽️ Man City 1-0 Feyenoord50' ⚽️ Man City 2-0 Feyenoord53' ⚽️ Man City 3-0 Feyenoord75' ⚽️ Man City 3-1 Feyenoord82' ⚽️ Man City 3-2 Feyenoord89' ⚽️ Man City 3-3 Feyenoord 🤯🤯🤯 #UCL — UEFA Champions League (@ChampionsLeague) November 26, 2024 It seemed City were heading for a morale-lifting victory but a couple of Gvardiol errors changed the script. The Croatian, who had a torrid time in Saturday’s 4-0 thrashing by Tottenham, first horribly misplaced a backpass and allowed Moussa to nip in and round Ederson. Ordinarily that 75th-minute reply would have been a mere consolation and City would close out the game, but Gvardiol had another moment to forget eight minutes from time. Again he gave the ball away and Feyenoord pounced. The ball was lofted into the box and Jordan Lotomba fired a shot that glanced the post and deflected across goal, where Gimenez chested in. Ederson then blundered as he raced out of his area and was beaten by Paixao, who crossed for Hancko to head into an empty net. Amid some moments of unrest in the crowd, when objects were thrown, City tried to rally in stoppage time. Grealish had an effort deflected onto the bar but the hosts had to settle for a draw.
Bank of Canada watching economy closely after half-point rate cutMan City crisis continues as Feyenoord come from three down to draw
WASHINGTON (AP) — Donald Trump on Sunday pushed Russian leader Vladimir Putin to act to reach an immediate ceasefire with Ukraine, describing it as part of his active efforts as president-elect to end the war despite being weeks from taking office. “Zelensky and Ukraine would like to make a deal and stop the madness," Trump wrote on social media, referring to Ukraine's president, Volodymyr Zelenskyy. In a television interview that aired Sunday, Trump also said he would be open to reducing military aid to Ukraine and pulling the United States out of NATO . Those are two threats that have alarmed Ukraine, NATO allies and many in the U.S. national security community. Asked on NBC's “Meet the Press” if he were actively working to end the nearly 3-year-old Ukraine war, Trump said, “I am.” He refused to say if he had spoken to Putin since winning the election in November. “I don’t want to say anything about that, because I don’t want to do anything that could impede the negotiation,” Trump said. Trump's call for an immediate ceasefire went beyond the public policy stands taken by both the Biden administration and Ukraine and drew a cautious response from Zelenskyy. It also marks Trump's wading unusually deeply into efforts before his inauguration on Jan. 20 to resolve one of the major global crises facing the lame-duck Biden administration. Trump made his proposal after a weekend meeting in Paris with French and Ukrainian leaders in Paris, where many world leaders gathered to celebrate the restoration of Notre Dame cathedral after a devastating fire. None of the advisers traveling with him appeared to have expertise on Ukraine. Kyiv would like to close a deal, Trump wrote on his social media platform Truth Social. “There should be an immediate ceasefire and negotiations should begin.” “I know Vladimir well. This is his time to act. China can help. The World is waiting!” Trump added. He was referring to mediation efforts by China that many in the West have seen as favoring Russia. Zelenskyy described his discussions Saturday with Trump, brought together by French President Emmanuel Macron, as “constructive" but has given no further details. In a post Sunday on the Telegram messaging app, Zelenskyy cautioned that Ukraine needs a “just and robust peace, that Russians will not destroy within a few years.” “When we talk about an effective peace with Russia, we must talk first of all about effective peace guarantees. Ukrainians want peace more than anyone else. Russia brought war to our land,” Zelenskyy said. Kremlin spokesman Dmitry Peskov responded to Trump's post by repeating Moscow’s longstanding message that it is open to talks with Ukraine. Peskov referenced a decree by Zelenskyy from October 2022 that formally declared the prospect of any talks “impossible” as long as Putin was Russia's leader. That decree came after Putin proclaimed four occupied regions of Ukraine to be part of Russia, in what Kyiv and the West said was a clear violation of Ukrainian sovereignty. Trump’s former national security adviser, retired Lt. Gen. H.R. McMaster, warned there was no such thing as a quick fix to ending Russia’s war with Ukraine. “What I’m worried about is this kind of flawed idea that Putin can be placated, right, that Putin will come to some kind of a deal,” McMaster told “Fox News Sunday." “I think it’s really important for President Trump to adhere to his instinct in this connection ... peace through strength,” McMaster said, adding, “How about give them what they need to defend themselves, and then saying to Putin, ‘You’re going to lose this war?”’ While Trump has said before that he would like to see a quick ceasefire in Ukraine, his proposal Sunday was framed as a direct appeal to Russia. The quick responses from Ukraine and Russia demonstrated the seriousness with which they regarded the idea from the incoming American president. Both Trump and Biden administration officials have pointed to Russia’s disengagement in Syria , where the Russian military largely moved out of the way in recent days as Syrian rebels overthrew the country’s Russian-allied president , as evidence of the extent to which the Ukraine war has sapped Russia’s resources. The Biden administration and other supporters of Ukraine have made a point of not being seen to press Ukraine for an immediate truce. Ukraine's allies fear a quick deal would be largely on the terms of its more powerful neighbor, potentially forcing damaging concessions on Ukraine and allowing Russia to resume the war again once it has built back up its military strength. For most of the war, Kyiv’s official position has been to call for a full withdrawal of Russian troops from internationally recognized Ukrainian territory, including Crimea, as a condition for peace talks. Moscow, too, has demanded heavy concessions from Ukraine as a condition for even beginning talks. Trump portrays himself as up to making fast deals to resolve conflicts in Ukraine and the Middle East that have frustrated many of the Biden administration's own mediation efforts. There is no prohibition on incoming officials or nominees meeting with foreign officials, and it is common and fine for them to do so — unless those meetings are designed to subvert or otherwise affect current U.S. policy. The Logan Act bars private citizens from trying to intervene in “disputes or controversies” between the United States and foreign powers without government approval. But the 1799 statute has produced just two criminal cases, none since the 1850s and neither resulting in a criminal conviction. In the NBC interview that was taped Friday, Trump renewed his warning to NATO allies that he did not see continued U.S. participation in the Western military alliance as a given during his second term. Trump has long complained that European and the Canadian governments in the mutual-defense bloc are freeloading on military spending by the U.S., by far the most powerful partner in NATO. NATO and its member governments say a majority of countries in the bloc are now hitting voluntary targets for military spending, due in part to pressure from Trump in his first term. Asked whether he would consider the possibility of pulling out of NATO, Trump indicated that was an open question. “If they’re paying their bills, and if I think they’re treating us fairly, the answer is absolutely I’d stay with NATO,” he said. But if not, he was asked if he would consider pulling the U.S. out of the alliance. Trump responded, “Absolutely. Yeah, absolutely.” Trump expressed the same openness when asked if Ukraine should brace for possible cuts in U.S. aid. “Possibly,” he said. U.S. arms and other military support are vital to Ukraine's efforts to fend off invading Russian forces, and Democratic President Joe Biden has been surging assistance to Ukraine ahead of leaving office. Defense Secretary Lloyd Austin on Saturday announced nearly $1 billion more in longer-term weapons support to Ukraine. Austin spoke to his Ukrainian counterpart, Rustem Umerov, on Sunday about the status of the war and U.S. military backing, the Pentagon said. — Koslowska reported from London. AP reporters Jill Colvin and Matthew Lee contributed from Washington.The US military veteran, who served in Iraq and Afghanistan, described the incident as deeply personal for him and called it a violation of hallowed, sacred ground The backlash over Donald Trump’s visit to Arlington National Cemetery, Virginia, in August and the alleged scuffle between his campaign and cemetery staff drew headlines before the US elections. Trump attended a wreath-laying ceremony honouring those killed when US troops withdrew from Afghanistan in 2021. It was reported that a cemetery official tried to prevent Trump’s team from filming in a restricted area, leading to an altercation. Team Trump rubbished the outrage, saying he was invited to the cemetery and insisting there was no scuffle. {"@context":"https://schema.org","@type":"ImageObject","caption":"Donald Trump’s visit to Arlington National Cemetery in August caused controversy. Photo: @CLewandowski_/X","url":"https://img.i-scmp.com/cdn-cgi/image/fit=contain,width=1024,format=auto/sites/default/files/d8/images/canvas/2024/11/22/2a3a0635-32e6-4d56-8565-8307341f3b3f_f2c0b215.jpg"} Donald Trump’s visit to Arlington National Cemetery in August caused controversy. Photo: @CLewandowski_/X One of the most notable voices emerging in the aftermath of the incident was that of Jimmy McCain, son of former senator John McCain . He slammed Trump for what he said was a violation of sacred ground. Jimmy McCain, a military man who served in Iraq and Afghanistan, had just returned from a seven-month deployment along the Jordan-Syria border. Three American soldiers were killed and more than 40 personnel hurt in a drone attack during his time there and McCain said the use of the cemetery in a political campaign was of particular significance to him. Advertisement Arlington National Cemetery is the United States’ largest military cemetery and the final resting place of more than 400,000 military veterans and their loved ones. Here is what you need to know about Jimmy McCain and why his voice resonated with many. Why did Jimmy McCain slam Donald Trump? {"@context":"https://schema.org","@type":"ImageObject","caption":"Jimmy McCain with father John McCain, who died in 2018. Photo: @senjohnmccain/Instagram","url":"https://img.i-scmp.com/cdn-cgi/image/fit=contain,width=1024,format=auto/sites/default/files/d8/images/canvas/2024/11/22/e0d8c5f5-b30f-45dd-aacf-6eb24d7a3b6d_eacb2dd4.jpg"} Jimmy McCain with father John McCain, who died in 2018. Photo: @senjohnmccain/Instagram McCain, 36, made headlines for speaking out about the Trump cemetery clash. Per The New York Times, several generations of the McCain family are buried at the cemetery and McCain said the Trump incident was personal for many. “It’s very hallowed, sacred ground, and it should be left that way,” he said. He told CNN that Arlington National Cemetery should not be made a background to political objectives. “I just think that for anyone who’s done a lot of time in their uniform, they just understand that inherently – that it’s not about you there.” Why were his comments such a big deal? {"@context":"https://schema.org","@type":"ImageObject","caption":"Cindy McCain in contemplation, with sons Jimmy (right) and Jack, during husband John’s funeral in Arizona in 2018. Photo: TNS","url":"https://img.i-scmp.com/cdn-cgi/image/fit=contain,width=1024,format=auto/sites/default/files/d8/images/canvas/2024/11/22/cbee67a0-a3c2-4c3c-83db-df6b11563765_4e943695.jpg"} Cindy McCain in contemplation, with sons Jimmy (right) and Jack, during husband John’s funeral in Arizona in 2018. Photo: TNS McCain’s speaking out against Trump was a critical moment in the US political battle before the elections. Father John was the Republican presidential nominee in 2008 and a political stalwart as a long-standing senator from Arizona. He died in 2018 and per The New York Times, his body lay in state in Washington’s Capitol Rotunda. His son’s criticism of Trump signalled a bold move away from his family’s roots in the Republican Party.
PORT-AU-PRINCE, Haiti (AP) — The United Nations raised the death toll of a recent massacre in which dozens of older people and Vodou religious leaders were killed by a gang in Haiti, and called on officials to bring the perpetrators to justice. The U.N. Integrated Office in Haiti said in a report published on Monday that between Dec. 6 and 11 more than 207 people were killed by the Wharf Jeremie gang. The gang took people from their homes and from a place of worship, interrogated them and then executed them with bullets and machetes. Earlier this month, human rights groups in Haiti had estimated that more than 100 people were killed in the massacre, but the new U.N. investigation doubles the number of victims. “We cannot pretend that nothing happened” said María Isabel Salvador, the U.N. secretary-general’s special representative in Haiti. “I call on the Haitian justice system to thoroughly investigate these horrific crimes and arrest and punish the perpetrators, as well as those who support them," she said in a statement. Human rights groups in Haiti said the massacre began after the son of Micanor Altès, the leader of the Wharf Jeremie gang, died from an illness. The Cooperative for Peace and Development, a human rights group, said that according to information circulating in the community, Altès accused people in the neighborhood of causing his son’s illness. “He decided to cruelly punish all elderly people and (Vodou) practitioners who, in his imagination, would be capable of casting a bad spell on his son,” the group said in a statement released shortly after news of the massacre emerged. In Monday's report, the United Nations said that people were tracked down in their homes and in a place of worship by Altès’ gang, where they were first interrogated and then taken to an execution site. The United Nations said that the gang tried to erase evidence of the killings by burning bodies, or by dismembering them and throwing them into the sea. The massacre is the latest humanitarian tragedy in Haiti, where gang violence has intensified since the nation’s president was killed in a 2021 coup attempt . Haiti has struggled to organize an election that will fill the power vacuum and restore democratic rule. The Caribbean nation is currently governed by a transitional council that includes representatives from the business community, civil society and political parties, but its government has no control over many areas of the capital city, and gangs are constantly fighting over ports, highways and neighborhoods. According to the United Nations, more than 5,350 people have been killed in Haiti’s gang wars this year. The Haitian government acknowledged the massacre against older people in a statement issued earlier this month, and promised to persecute those responsible for this act of “unspeakable carnage.”Netanyahu's office says his security Cabinet has approved ceasefire deal with Hezbollah