How would you feel, if someone added another 10 years to your mortgage? (Or, if you don't have one, or have paid yours off, let me ask it another way: How would you feel about signing up to pay off a home over 40 long years?) Because that's the offer being made by finance company, Pepper Money, which is rolling out a brand new 40-year mortgage. That sound you just heard is my brain exploding. Now, let's deal with why it's being offered. Here's how 's Wealth Editor, James Kirby, put it: Indeed, in that same article, comparison site Finder's data is cited, thus: Bear in mind, that's 5 more years. And that's the average loan, meaning many, many people are paying even more. And Pepper is offering to extend the mortgage term by not 5, but 10 years. It's not easy to do the maths yourself, by the way: the first dozen loan calculators that Google served me up wouldn't let me use more than 30 years. So... I did it myself, and check out these numbers. If you borrowed $625,000 at 6% for 30 years, you'd pay: $3,747 per month $724,000 in interest $1.349 million in total repayments Reckon that's a lot? Check out the numbers over 40 years: $3,438 per month ($308 less) $1.025m in interest ($302,000 more) $1.651 million in total repayments Yep, you'd pay more than $1 million in interest , on top of the repayment of the principal.. And more than $300,000 more than a 30-year term over the life of the loan! I don't know about you, but I reckon that's a lot to pay, just to save $308 per month! But wait... there's more. See, this probably gets a worse. Before we get to that, let's remember that proponents of this sort of loan would say it increases access for those who don't have the monthly income. Which is a little bit true. Only a little bit? Well, yes – I doubt there are many who could afford $3,438 per month, but not $3,747. Meaning the size of the group that this 'helps' is small. (Oh, and remember: the financial institutions benefit from all of that lovely extra interest. It's possible that's part of the motivation...). So, the 'it gets worse' bit? Well, we know that buying a house is a competitive process. That's most obvious at auctions, but it happens for private sales, too – the agent and the seller set the price as high as they think the keenest buyers will pay. Now, let's go back to our example. Let's say the person who can currently pay $3747 a month (and who would currently take a 30 year loan) goes to a banker offering a 40 year mortgage. Here's what happens now: And when there are 40 year mortgages? It'll go like this: Sure, some people will just take a 30-year mortgage and borrow less. But most people? Well, here's one I prepared earlier: Standard mortgage terms used to be 25 years. When was the last time you heard of a borrower who asked the bank to calculate their borrowing capacity over 25, and not 30, years? Exactly. Once 40 years becomes the standard loan length, everyone will use it by default. And the person who asks the bank for a 30 year mortgage will take their $625,000 loan with them when they try to buy a house, only to be outbid by those with longer mortgage terms and $680,000 in the back pocket. In other words? In other words, this approach which is supposed to help 'affordability' is very, very likely to result in: – Monthly repayments remaining the same – Loan terms being longer – Total repayments being much higher – Interest bills being much higher – House prices being much higher ... and those who can't afford the current 30 year mortgage being locked out of the market, . Oh, and finance company profits being higher. Funnily enough. How's that for a neat trick? Seriously, this isn't an affordability measure. At it's a well-meaning mistake and a sign of desperation from buyers who feel locked out of the housing market. But, as I've hopefully shown, 40 year mortgage terms would be a disaster for everyone except banks and sellers – two groups who are entitled to make a buck, but who don't need the generosity of first home buyers. This is one 'innovation' that should be nipped in the bud... before it becomes the norm. Fool on!NASHVILLE, Tenn. — Sean Couturier scored at 2:31 of overtime to give the Philadelphia Flyers a 3-2 win over the Nashville Predators on Wednesday night. Scott Laughton and Morgan Frost also scored and Aleksei Kolosov made 25 saves for the Flyers, who have won two of three. Roman Josi and Ryan O’Reilly scored and Juuse Saros made 21 saves for the Predators, who have lost three of four. Kolosov improved to 2-4-0 on the season. With the Predators leading 2-1 late in the third, Frost tied it with 11.4 seconds remaining on a redirection to send the game to overtime. Takeaways Flyers: After a sleepy start to the third period where they went for a prolonged stretch with just one shot on goal, the Flyers started putting pucks on the Nashville net, eventually getting the tying goal in the final minute. Predators: The Predators were just seconds away from winning their third straight home game. The team struggled from the start of the season, including losing their first four at home. Gaining traction on home ice will be pivotal in Nashville attempting to get into the playoff race. Philadelphia Flyers center Morgan Frost (48) celebrates his goal with teammates during the third period of an NHL hockey game against the Nashville Predators, Wednesday, Nov. 27, 2024, in Nashville, Tenn. The Flyers won 3-2 in overtime. Credit: AP/George Walker IV Key moment O’Reilly gave Nashville a 2-1 lead with 3:42 remaining in the first. The goal was his first since Oct. 28, ending a 13-game goalless stretch for Nashville’s top line center. Key stat The Flyers had just one power play in Wednesday’s game and did not score on it despite pulling Kolosov for an extra attacker as it came late in the third period. Philadelphia has just one power-play goal in 13 opportunities with the man advantage over the last five games. Up next Flyers host the New York Rangers on Friday, and Predators host Tampa Bay.
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HENDERSON, Nev. -- Aidan O'Connell will start at quarterback when the Las Vegas Raiders visit their AFC West rival and two-time defending Super Bowl champion Kansas City Chiefs on Friday. Raiders coach Antonio Pierce made the announcement Wednesday, saying O'Connell had progressed well after breaking his right thumb on Oct. 20 in a 20-15 loss to the Los Angeles Rams . “He’s been dialed in obviously throughout this time that he’s been on (injured reserve),” Pierce said. "He’s been at all the meetings. He’s been very encouraging on the sideline. He’s got that laser-eye focus right now. Great opportunity for him.” Gardner Minshew broke his left collarbone on Sunday in a game against the Denver Broncos and is out for the season . The Raiders could have gone with Desmond Ridder to replace Minshew. Las Vegas signed Ridder off Arizona’s practice squad on Oct. 21. He started 13 games for Atlanta last season, passing for 2,836 yards and 12 touchdowns with 12 interceptions. Pierce opted for O'Connell, who became the starter midway through last season and went 5-4 the rest of the way. Minshew beat him out for the job in the preseason but then struggled through five games. Pierce then put O'Connell in the starting lineup on Oct. 13 against the Pittsburgh Steelers. O'Connell completed 27 of 40 passes for 227 yards and a touchdown with an interception in the 32-13 loss . Then O'Connell was injured early the following week at Los Angeles and was placed on IR, sidelining him for at least four weeks. The Raiders on Monday designated him to return to practice, opening a three-week window in which O'Connell could be activated. That came this week. “He carried himself like a starter, even when he was on IR," Pierce said. "He did that when he was a backup. He did a great job of just being engaged with the players, engaged on the sideline, in meeting rooms. He’s the one speaking up, talking. You could just look at his eyes. You can look at his demeanor. "He wasn’t a guy like: ‘All right, I’m out for the season. I’m not going to play. No, I’ll be back. I’m ready to be back.’ And he worked his tail off to get back.” O'Connell has a short week to prepare, complicated further because the Raiders aren't having full practices. He was the last opposing quarterback to win at Arrowhead Stadium. Even though he didn't complete a pass after the first quarter, the Raiders walked away 20-14 winners in that Christmas Day game. Las Vegas can only play a little bit of a spoiler this week. The Raiders at 2-9 have lost seven consecutive games, and the Chiefs have their sights on becoming the first team to win three Super Bowls in a row. “Let’s call a spade a spade,” Pierce said. "The best team in football against the worst team in football. Let’s change the narrative, right? Let’s go out there and make it a dog fight. Let’s make it ugly. Let’s make it scrappy. It’s Black Friday. Let’s create a little chaos. Let’s get back to Raider football and have some fun and some personality. Let it loose.” ___ AP NFL: https://apnews.com/hub/NFLCollege Football Playoff's first 12-team bracket is set with Oregon No. 1 and SMU in, Alabama out SMU captured the last open spot in the 12-team College Football Playoff, bumping Alabama to land in a bracket that placed undefeated Oregon at No. 1. The selection committee preferred the Mustangs, losers of a heartbreaker in the Atlantic Coast Conference title game, who had a far less difficult schedule than Alabama of the SEC but one fewer loss. The inaugural 12-team bracket marks a new era for college football, though the Alabama-SMU debate made clear there is no perfect formula. The tournament starts Dec. 20-21 with four first-round games. It concludes Jan. 20 with the national title game in Atlanta. Alabama left out of playoff as committee rewards SMU's wins over Crimson Tide's strong schedule The College Football Playoff committee took wins over strength of schedule, taking SMU over Alabama for the final at-large spot in the field. The field was expanded from four to 12 teams this season, but that didn’t save the committee from controversy. SMU showed it could compete against a traditional power, losing to Clemson 34-31 on a 56-yard field goal in the ACC title game on Saturday. Alabama had some ups and downs in its first season under coach Kalen DeBoer. The Crimson Tide had quality wins against Georgia and South Carolina, but lost at Vanderbilt, Tennessee and Oklahoma. Big Ten wins playoff selection derby, followed by SEC despite notable Alabama omission College football’s conference shakeup left concerns about two super conferences dominating the playoff field. They weren’t totally unfounded, or 100% born out. The Big Ten, not the Southeastern Conference, was the biggest winner. The ACC scored, too. The Big Ten led the initial 12-team playoff field with four making the cut, topped by a No. 1 Oregon team that was part of the Pac-12 exodus. Then came the SEC — and one notable omission. ACC runner-up SMU got the nod over college football blue-blood Alabama, another blemish in Kalen DeBoer’s first season as Nick Saban’s championship-or-bust successor. Saquon Barkley sets Eagles season rushing record and has Dickerson's NFL mark in his sights PHILADELPHIA (AP) — Saquon Barkley has broken LeSean McCoy's Eagles franchise record for rushing yards in a season. Barkley has 1,623 yards. He surpassed McCoy's mark of 1,607 yards with a 9-yard run in Sunday's 22-16 win over Carolina. Barkley finished the game with 124 yards, within a yard of his season average. He has four games left and is on pace to break Eric Dickerson's 40-year-old NFL record of 2,105 yards. Dickerson set that record in a 16-game season and Barkley has one more game. Eagles fans serenaded Barkley with “MVP!” chants and McCoy congratulated him on social media. Saints QB Derek Carr injures left hand on dive in 4th quarter of win over Giants EAST RUTHERFORD, N.J. (AP) — New Orleans Saints quarterback Derek Carr injured his left hand late in the fourth quarter of Sunday’s 14-11 victory over the New York Giants when he went airborne while trying for a first down and crashed to the turf. Carr tried to leap over a Giants tackler and landed at the New Orleans 39-yard line, extending his non-throwing hand to break his fall. He was on the turf for a minute or two before walking to the medical tent. He was examined and slowly walked to an area where X-rays are done. The injury could hurt the already slim playoff hopes of the Saints. Tamar Bates scores 29 points to help Missouri beat No. 1 Kansas 76-67 COLUMBIA, Mo. (AP) — Tamar Bates had 29 points and five steals to help Missouri beat Hunter Dickinson and No. 1 Kansas 76-67. Mark Mitchell scored 17 points in Missouri’s first win over Kansas since a 74-71 victory on Feb. 4, 2012. Anthony Robinson II had 11 points and five steals for the 8-1 Tigers. Dickinson had 19 points and 14 rebounds, but he also committed seven turnovers. The 7-2 Jayhawks have lost two straight on the road after falling 76-63 against Creighton on Wednesday night. Scottie Scheffler ends his big year in the Bahamas with his 9th victory NASSAU, Bahamas (AP) — Scottie Scheffler ended his biggest year with another victory. Scheffler was coming off a two-month break and looked as good as ever. He shot 63 in the Hero World Challenge and set tournament records at Albany with a 72-hole total of 263 and a six-shot victory. Tom Kim was the runner-up and Justin Thomas finished third. Scheffler ends his year with nine victories in 21 tournaments. That includes the holiday tournament in the Bahamas and the Olympic gold medal in Paris. It's the third-highest winning percentage in the last 40 years. Tournament host Tiger Woods had two better years. Lindsey Vonn is encouraged by how close she is to being competitive in ski racing return at age 40 COPPER MOUNTAIN, Colo. (AP) — Lindsey Vonn is encouraged by how close she is to being competitive again in her ski racing return at 40 years old. Vonn is still getting her ski equipment dialed in and getting used to going full speed again on her new titanium knee. That’s why all that she's reading into being more than two seconds behind in a pair of lower-level super-G races Sunday is that she’s right there. This after nearly six years away from ski racing and an abbreviated prep period. She was 2.19 seconds behind in the first race and 2.06 in the second. Both were won by her American teammate Lauren Macuga. Plane circles MetLife Stadium with message to co-owner John Mara to fix the Giants' 'dumpster fire' EAST RUTHERFORD, N.J. (AP) — A small plane circled MetLife Stadium roughly 90 minutes before New York was to play host to the New Orleans Saints on Sunday, asking Giants co-owner John Mara to overhaul the team that has made the playoffs twice since winning the Super Bowl in February 2012. “Mr. Mara, enough. Please fix this dumpster fire!” the message read as it was towed behind the rear of a small plane. Tua Tagovailoa's TD pass to Jonnu Smith gives Dolphins 32-26 overtime win over Aaron Rodgers, Jets MIAMI GARDENS, Fla. (AP) — Tua Tagovailoa threw a 10-yard touchdown pass to Jonnu Smith in overtime and the Miami Dolphins overcame Aaron Rodgers’ first 300-yard passing game in nearly three years to beat the New York Jets 32-26. After Jason Sanders tied it with 7 seconds left in regulation with a 42-yard field goal, Tagovailoa quickly moved the Dolphins down the field and they beat the Jets for the ninth straight time in Miami. That came after Anders Carlson gave the struggling Jets the lead with a 42-yarder with 52 seconds remaining. New York was eliminated from playoff contention for the 14th straight year.Wade Taylor IV racked up 19 points that included eight in the final 3:22 of the game as No. 22 Texas A&M outlasted Texas Tech 72-67 on Sunday afternoon in the USLBM Coast-to-Coast Challenge in Fort Worth, Texas. Texas A&M (8-2) led by as many as 11 points in the first half and by three at halftime before the Red Raiders surged to the front early in the second half. Down 52-49, the Aggies produced an 11-0 surge capped by a jumper by Zhuric Phelps to take a 60-52 advantage with 5:02 to play The Aggies' margin was just two points when Taylor went hard to the hole on back-to-back possessions for layups that pushed the lead to 64-58. A 3-pointer by Tech's Chance McMillian cut lead to three but Taylor, Henry Coleman III and Solomon Washington converted free throws over the final 27 seconds to provide the deciding points for A&M. Jace Carter added 16 points and Phelps had 12 for the Aggies, who have won four straight games. McMillian's 23 points were a game high, while Kevin Overton added 17 and Darrion Williams had 11 for Texas Tech (7-2), which had a three-game winning streak snapped. The Aggies ruled the game's first five minutes, blitzing to a 13-2 lead thanks to eight early points from Taylor and a stifling defense that forced Tech into four turnovers. The Red Raiders responded with an 8-2 run capped by a jumper by Federiko Federiko to close the gap to five points at the 10:57 mark. Texas Tech continued to battle back, clawing to within 26-24 with 5:16 left in the first half thanks to a 9-0 run. Texas A&M boosted the margin to as many as six points after Manny Obaseki hit a layup with 2:23 remaining before McMillian canned a pair of free throws with 41 seconds to play to pull to within 34-31 at the break. Overton led all scorers with 14 points before halftime while Carter paced the Aggies with 13. The Red Raiders pulled even on Federiko's jumper 46 seconds into the second half, went in front on a jumper by Elijah Hawkins with 18:22 to play and pushed their advantage to five points on another Hawkins jumper at the 16:30 mark of the half. The Aggies swung back, tying the contest at 49 when Washington sank a 3-pointer with 10:48 left, setting the stage for the furious finish. --Field Level Media
'Jimmy who?' The US president 1970s America really needed2 Stocks Down 63% and 72% to Buy Right Now
Congress to focus on organisation in 2025, says Mallikarjuna KhargeHistory will doubtless judge him more generously: Ex-Union minister Ashwani Kumar
Nokia Corporation Stock Exchange Release 27 November 2024 at 22:30 EET Nokia Corporation: Repurchase of own shares on 27.11.2024 Espoo, Finland – On 27 November 2024 Nokia Corporation (LEI: 549300A0JPRWG1KI7U06) has acquired its own shares (ISIN FI0009000681) as follows: * Rounded to two decimals On 22 November 2024, Nokia announced that its Board of Directors is initiating a share buyback program to offset the dilutive effect of new Nokia shares issued to the shareholders of Infinera Corporation and certain Infinera Corporation share-based incentives. The repurchases in compliance with the Market Abuse Regulation (EU) 596/2014 (MAR), the Commission Delegated Regulation (EU) 2016/1052 and under the authorization granted by Nokia’s Annual General Meeting on 3 April 2024 started on 25 November 2024 and end by 31 December 2025 and target to repurchase 150 million shares for a maximum aggregate purchase price of EUR 900 million. Total cost of transactions executed on 27 November 2024 was 3,467,965. After the disclosed transactions, Nokia Corporation holds 362,318,789 treasury shares. Details of transactions are included as an appendix to this announcement. On behalf of Nokia Corporation BofA Securities Europe SA About Nokia At Nokia, we create technology that helps the world act together. As a B2B technology innovation leader, we are pioneering networks that sense, think and act by leveraging our work across mobile, fixed and cloud networks. In addition, we create value with intellectual property and long-term research, led by the award-winning Nokia Bell Labs. With truly open architectures that seamlessly integrate into any ecosystem, our high-performance networks create new opportunities for monetization and scale. Service providers, enterprises and partners worldwide trust Nokia to deliver secure, reliable and sustainable networks today – and work with us to create the digital services and applications of the future. Inquiries: Nokia Communications Phone: +358 10 448 4900 Email: press.services@nokia.com Maria Vaismaa, Global Head of External Communications Nokia Investor Relations Phone: +358 40 803 4080 Email: investor.relations@nokia.com Attachment Daily Report 2024-11-27Israel strikes Houthi rebels in Yemen's capital while the WHO chief says he was meters away JERUSALEM (AP) — A new round of Israeli airstrikes in Yemen have targeted the Houthi rebel-held capital of Sanaa and multiple ports. The World Health Organization’s director-general said the bombardment on Thursday took place just “meters away” as he was about to board a flight in Sanaa. He says a crew member was hurt. The strikes followed several days of Houthi attacks and launches setting off sirens in Israel. Israel's military says it attacked infrastructure used by the Houthis at the international airport in Sanaa, power stations and ports. The Israeli military later said it wasn’t aware that the WHO chief was at the location in Yemen. An uneasy calm settles over Syrian city of Homs after outbreak of sectarian violence HOMS, Syria (AP) — Syria’s new security forces checked IDs and searched cars in the central city of Homs a day after protests by members of the Alawite minority erupted in gunfire and stirred fears that the country’s fragile peace could break down. A tense calm prevailed Thursday after checkpoints were set up throughout the country’s third-largest city, which has a mixed population of Sunni and Shia Muslims, Alawites and Christians. The security forces are controlled by the former insurgent group Hayat Tahrir al-Sham, which led the charge that unseated former President Bashar Assad. The US says it pushed retraction of a famine warning for north Gaza. Aid groups express concern. WASHINGTON (AP) — U.S. officials say they asked for — and got — the retraction of an independent monitor's warning of imminent famine in north Gaza. The internationally Famine Early Warning System Network issued the warning this week. The new report had warned that starvation deaths in north Gaza could reach famine levels as soon as next month. It cited what it called Israel's “near-total blockade” of food and water. The U.S. ambassador to Israel, Jacob Lew, criticized the finding as inaccurate and irresponsible. The U.S. Agency for International Development, which funds the famine-monitoring group, told the AP it had asked for and gotten the report's retraction. USAID officials tell The Associated Press that it had asked the group for greater review of discrepancies in some of the data. Trump has pressed for voting changes. GOP majorities in Congress will try to make that happen ATLANTA (AP) — Republicans in Congress plan to move quickly in their effort to overhaul the nation’s voting procedures, seeing an opportunity with control of the White House and both chambers of Congress. They want to push through long-sought changes such as voter ID and proof-of-citizenship requirements. They say the measures are needed to restore public confidence in elections. That's after an erosion of trust that Democrats note has been fueled by false claims from Donald Trump and his allies of widespread fraud in the 2020 election. Democrats say they are willing to work with the GOP but want any changes to make it easier, not harder, to vote. Americans are exhausted by political news. TV ratings and a new AP-NORC poll show they're tuning out NEW YORK (AP) — A lot of Americans, after an intense presidential election campaign, are looking for a break in political news. That's evident in cable television news ratings and a poll from The Associated Press-NORC Center for Public Affairs Research. The poll found nearly two-thirds of Americans saying they've found the need recently to cut down on their consumption of political and government news. That's particularly true among Democrats following President-elect Donald Trump's victory, although a significant number of Republicans and independents feel the same way. Cable networks MSNBC and CNN are really seeing a slump. That's also happened in years past for networks that particularly appeal to supporters of one candidate. New York to charge fossil fuel companies for damage from climate change ALBANY, N.Y. (AP) — Large fossil fuel companies would have to pay fees to help New York fight the effects of climate change under a bill signed by Democratic Gov. Kathy Hochul. The governor signed the new law Thursday. It requires companies responsible for substantial greenhouse gas emissions to pay into a state infrastructure fund for repairs or projects that help avoid future damage from climate change. Lawmakers approved the bill earlier this year. It's meant to make big oil and gas companies contribute to the cost of repairs after extreme weather events or for resiliency projects. Such projects may include restoring coastal wetlands or upgrading roads, bridges and water drainage systems. Legal challenges to the new law are expected. Aviation experts say Russia's air defense fire likely caused Azerbaijan plane crash as nation mourns Aviation experts say that Russian air defense fire was likely responsible for the Azerbaijani plane crash the day before that killed 38 people and left all 29 survivors injured. Azerbaijan is observing a nationwide day of mourning on Thursday for the victims of the crash. Azerbaijan Airlines’ Embraer 190 was en route from Azerbaijan’s capital of Baku to the Russian city of Grozny in the North Caucasus on Wednesday when it was diverted for reasons yet unclear and crashed while making an attempt to land in Aktau in Kazakhstan. Cellphone footage circulating online appeared to show the aircraft making a steep descent before smashing into the ground in a fireball. Ukraine's military intelligence says North Korean troops are suffering heavy battlefield losses KYIV, Ukraine (AP) — Ukraine's military intelligence says North Korean troops are suffering heavy losses in Russia's Kursk region and face logistical difficulties as a result of Ukrainian attacks. The intelligence agency said Thursday that Ukrainian strikes near Novoivanovka inflicted heavy casualties on North Korean units. Ukraine's president said earlier this week that 3,000 North Korean troops have been killed and wounded in the fighting in the Kursk region. It marked the first significant estimate by Ukraine of North Korean casualties several weeks after Kyiv announced that North Korea had sent 10,000 to 12,000 troops to Russia to help it in the almost 3-year war. How the stock market defied expectations again this year, by the numbers NEW YORK (AP) — What a wonderful year 2024 has been for investors. U.S. stocks ripped higher and carried the S&P 500 to records as the economy kept growing and the Federal Reserve began cutting interest rates. The benchmark index posted its first back-to-back annual gains of more than 20% since 1998. The year featured many familiar winners, such as Big Tech, which got even bigger as their stock prices kept growing. But it wasn’t just Apple, Nvidia and the like. Bitcoin and gold surged and “Roaring Kitty” reappeared to briefly reignite the meme stock craze. Why this Mexican American woman played a vital role in the US sacramental peyote trade MIRANDO CITY, Texas (AP) — Amada Cardenas, a Mexican American woman who lived in the tiny border town of Mirando City in South Texas, played an important role in the history of the peyote trade. She and her husband were the first federally licensed peyote dealers who harvested and sold the sacramental plant to followers of the Native American Church in the 1930s. After her husband's death in 1967, Cardenas continued to welcome generations of Native American Church members to her home until her death in 2005, just before her 101st birthday.Sei Investments director William Doran sells $409,000 in stock
NoneTomislav Ivisic scored a career-high 23 points to lead six players in double figures as No. 24 Illinois raced past visiting Chicago State 117-64 on Sunday in Champaign, Ill. Kylan Boswell also starred for the Fighting Illini (9-3) with an 18-point, 10-rebound, 10-assist triple-double. Dra Gibbs-Lawhorn added 16 points, while Kasparas Jakucionis contributed 14. Will Riley hit for 13 points and Morez Johnson Jr. came off the bench to net 11. Gabe Spinelli scored 20 points for the winless Cougars (0-15) and Noble Crawford added 15, but they just didn't have the scoring punch to stay with their Big Ten Conference opponent. Illinois outshot Chicago State 62.1 percent (41 of 66) to 37.3 percent (25 of 67) from the field and 45.5 percent (15 of 33) to 32.3 percent (10 of 31) from the 3-point line. The Cougars were also outrebounded 47-23. Illinois led for all but 24 seconds of the game, scoring basically at will. The Illini reaped a 28-4 advantage in free-throw attempts, drew 26 assists and earned a 48-16 advantage in points in the paint. In its last game before jumping into the bulk of its Big Ten schedule Thursday night at Oregon, Illinois wasted no time putting its stamp on the game. It carved out a double-figure edge at the 14:59 mark of the first half on Gibbs-Lawhorn's 3-pointer that made it 17-7 and simply kept expanding that lead. The margin reached 20 for the first time with 10:06 left when Ivisic drained a 3-pointer from the right wing for a 32-10 cushion. Johnson's foul shot with 3:43 remaining increased the advantage to 30 at 48-18, and Jake Davis' 3-pointer from the corner with a second on the clock gave the Illini a 60-24 cushion at halftime. Boswell's short jumper with 18:22 left in the game built Illinois' first 40-point advantage at 65-24. Riley splashed a 3-pointer with 9:57 remaining to up the lead to 50 at 93-43. Davis made another 3-pointer at the 7:59 mark to get the Illini to the 100-point threshold. They led by as many as 58 points in the final two minutes. --Field Level Media