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Old Dominion 40, Arkansas St. 32The 2025 Tax-Free Savings Account (TFSA) limit is $7,000. Investors with some extra cash to put to work next year are wondering which stocks might still be heading into 2025 and could be good to buy for a self-directed TFSA focused on passive income and long-term total returns. Fortis ( ) is a Canadian utility company with operations located across Canada, the United States, and the Caribbean. The businesses include power-generation facilities, natural gas distribution utilities and electricity transmission networks. Fortis gets nearly all of its revenue from rate-regulated assets. This is important for dividend investors who want to own stocks that can sustain payouts. Fortis trades near $60 per share at the time of writing. The stock is up about 11% in the past six months but is down from the recent high close to $64. Fortis has a good track record of delivering growth through a combination of strategic acquisitions and internal development projects. The company hasn’t made a large purchase for several years but is working on a $26 billion capital program. As the new assets are completed and go into service, Fortis expects the rate base to increase from $38.8 billion to $53 billion over five years. The boost to revenue and cash flow should support planned annual dividend increases of 4% to 6%. Fortis raised the dividend in each of the past 51 years. Investors who buy the stock at the current level can get a dividend yield of 4%. Bank of Nova Scotia ( ) trades near $77 at the time of writing. The stock is up about 23% in the past six months but is still way off the $93 it reached in early 2022 at the top of the first bank stock rally that occurred after the pandemic crash. Bank of Nova Scotia has underperformed most of its large Canadian bank peers over the past decade. A new chief executive officer took over in 2023 and is making changes to help drive better returns for shareholders. Bank of Nova Scotia trimmed staff by about 3% to reduce expenses and is shifting its growth investments to the United States and Canada. The bank announced a US$2.8 billion deal in 2024 to buy a 14.9% stake in KeyCorp, a U.S. regional bank. Bank of Nova Scotia also created a new executive position to oversee expansion in Quebec. Previously, Bank of Nova Scotia invested billions of dollars to buy banks and credit card portfolios in Latin America. Growth potential in Chile, Colombia, Mexico, and Peru is arguably attractive as the middle class expands, but the big bets haven’t paid off for shareholders. Economic and political uncertainty are always present in these markets. As such, bank investors have largely preferred to own other Canadian banks. Investors who buy BNS stock at the current price can get a dividend yield of 5.5%, so you get paid well to wait for the turnaround efforts to deliver results. The bottom line on top TSX stocks for a TFSA Fortis and Bank of Nova Scotia are good examples of TSX stocks that pay attractive dividends that should continue to grow. If you have some cash to put to work in a TFSA, these stocks deserve to be on your radar.
Many households across Ireland are feeling the pinch from the ongoing cost of living crisis and are trying to save money where possible. With energy costs skyrocketing, some people have been However, Ireland's unpredictable often makes outdoor drying impossible, leaving indoor drying as the only alternative. While this may seem like an easy solution, it comes with a significant downside: the risk of mould. This can not only harm the health of both humans and pets but also lead to costly damage to walls, ceilings and window sills. Experts in air quality have shared some insights on how mould forms and how to combat it. Mould thrives in damp, poorly ventilated environments, where fungal spores can settle and grow. While most adults can tolerate these spores without issue, they can pose serious risks to babies, young children and individuals with respiratory conditions or weakened immune systems. The presence of mould can lead to a variety of health problems, including allergies, skin irritation, chronic colds and worsening conditions like asthma and eczema. To prevent mould from taking hold, it's essential to reduce the humidity in your home. Simple actions like opening windows and doors can help air circulation, while extractor fans in bathrooms and kitchens can mitigate steam from showers or cooking. Additionally, using a dehumidifier in moderation can be an effective way to combat excess moisture. Jenny Turner, Property Manager at Insulation Express, warns that drying wet clothes indoors can worsen existing mould problems, She advises always keeping a window open in the room to allow moisture to escape. She also recommends using a dehumidifier, which can remove up to seven litres of moisture from the air each day in damp conditions. While this might seem counterintuitive, investing in a dehumidifier can save money in the long run by preventing costly mould damage. For those looking for a more advanced option, the comes with an app which allows you to monitor the current moisture level in your home, set a target humidity level, 24 hour on/off timer or select from three operating modes including auto, continuous dehumidification and internal drying. Over 500 of these have been bought on Amazon in the last month and they are rated an impressive 4.4 out of 5 stars from almost 7,000 reviews. For a more budget-friendly solution, there are simpler, non-electric dehumidifying options available. Home supply stores offer plastic dehumidifier pots for as little as £1.24. These pots trap moisture in the air and reduce condensation on windows, which is common when drying clothes indoors. Another affordable option is placing bowls of rock salt on window sills, as salt absorbs moisture and helps keep the air dry. Jenny explained: "For a dehumidifying effect without the use of electricity, try a combination of open windows and plastic window dehumidifier pots which can trap and collect moisture in the air. These inexpensive plastic pots can help to eliminate the risk of condensation on windows which can occur from drying wet clothes inside, adding to the damp atmosphere. Another cheap trick to draw moisture away from walls and windows is to place bowls of rock salt on the window sill when drying clothes, as this will help to absorb excess moisture in the air." Meanwhile, Francesca Brady, CEO and co-founder of AirRated, has highlighted the growing issue of mould in homes as part of a larger conversation about the condition of buildings. She said: "It's important that this is covered in the media, everyone needs a basic level of understanding of what sort of environments are unhealthy spaces for us to live and work in. That being said, there is a much larger issue surrounding building stock that is not-fit-for-purpose, where it will take more than changing behaviours to improve these settings." To remove this article -
Will Dorian Thompson-Robinson be healthy enough to start vs. the Dolphins?EAST RUTHERFORD, N.J. (AP) — If the Giants' franchise-record 10th straight loss proved anything, it's that New York could use a young franchise quarterback. Rookie Michael Penix Jr. showed what a young QB can do on Sunday against the Giants, who need to learn from it. The No. 8 overall pick in the draft, Penix played a nearly flawless game in his first career start to help the Falcons thrash the woeful Giants 34-7 in their best performance in weeks. The Giants gambled in 2019 that Daniel Jones would be their franchise QB and it really never panned out. The one exception was the 2022 season, when the No. 6 overall pick had a career year and led New York to a 9-7-1 record and a playoff berth in the first season after Joe Schoen was hired as general manager and Brian Daboll was named coach. The Giants even won a playoff game. With the release of Jones last month, the Giants (2-13) are now a team without a quarterback who can perform at the level required of an NFL starter. Tommy DeVito and Drew Lock have split the last four starts but neither has provided much of a spark for the league's worst offense. Lock handed the Falcons the game with two interceptions that were returned for touchdowns. To turn things around next season, the Giants must find a quarterback. “I’d say it’s very important,” Daboll said Monday. New York is going to have a high pick in the draft in Green Bay, Wisconsin, in late April. It could even be the No. 1 overall selection. Choosing the right quarterback is going to be hard. There isn't a can't-miss choice in 2025 draft and forcing one early would be a mistake. Unless the Giants are convinced that Cam Ward, Shedeur Sanders, Jalen Milroe or someone else is the next franchise player, they have have so many needs that it would be better to wheel and deal and fill as many holes as possible. Even if the Giants take a quarterback in the second round, there's bound to be someone available who has a chance to be better than what they have now. The calendar. The season ends in less than two weeks. The franchise is in disarray, and a shakeup appears likely. Daboll's future as the coach is not bright, considering the current skid and two straight losing seasons. Schoen has to share the blame and so do co-owners John Mara and Steve Tisch, who hired the GM and coach. LB Darius Muasau. The sixth-round draft pick out of UCLA has started the last three games since Bobby Okereke (back) was hurt and eventually put on injured reserve last week. Muasau had 11 tackles Sunday along with a quarterback hit and a tackle for a loss. He made the defensive calls after LB Micah McFadden left with a neck injury. Lock. In his starts, Lock has had three interceptions returned for touchdowns. He also lost a fumble on a strip-sack at Atlanta. Lock sustained a shoulder injury during the game and had an MRI on Monday. Besides Lock and McFadden, S Jason Pinnock (eye) also left the game. C John Michael Schmitz and RB Tyrone Tracy were evaluated for ankle injuries on Monday. 1 — Thanks to the Raiders' victory over the Jaguars, the Giants will have the No. 1 overall pick in the draft with two more losses. For the ninth and final time, the Giants will try to find a way to win at MetLife Stadium. New York is 0-8 heading into Sunday's game against the Indianapolis Colts. Its only other winless season at home was in 1974 when New York played at the Yale Bowl in New Haven, Connecticut, while Giants Stadium was being built. AP NFL: https://apnews.com/hub/nfl
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