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Bank of Canada governor Tiff Macklem says the central bank is preparing for a future that looks more uncertain and more prone to shocks. In a speech to the Greater Vancouver Board of Trade on Monday, he said structural changes are underway in the world, including demographic shifts, technological changes, decarbonization and a move away from globalization. "We need to use the pandemic experience to prepare for future crises," Macklem said in a prepared text of his speech. Sean Fraser to leave federal cabinet as PMO pushes to add Mark Carney To that end, Macklem says the Bank of Canada is working to learn what it can from how the economy reacted to the pandemic and its aftermath. The Bank of Canada is conducting a review of the policy actions it took to restore financial stability and support the economy during the pandemic that it plans to publish along with an assessment of an independent panel of experts. Macklem said the spike in inflation in 2022 was a reminder that even though inflation was relatively low and stable for 30 years leading up to the pandemic, central banks cannot take public trust for granted. "All of a sudden, people couldn't afford the things they need. And while inflation is low once again, many prices are still a lot higher than they were before the pandemic. So, people feel ripped off. And that erodes public trust in our economic system," he said in his speech. Terry Fox on the $5, big money for the border — what we learned from the economic statement The Bank of Canada has cut its key policy interest rate five times this year including last week when it reduced the benchmark by a half a percentage point to 3.25 per cent. Macklem says the bank will be evaluating the need for further reductions in the policy rate one decision at a time and anticipates a more gradual approach to monetary policy if the economy evolves as expected. Statistics Canada reported last month that the annual inflation rate was two per cent in Ontario, hitting the Bank of Canada's target. The speech by Macklem came ahead of the release of the November inflation report on Tuesday.New Jersey Real Estate Attorney Christine Matus Shares Insights on Key Elements of a Purchase Offer Agreement 11-21-2024 11:06 PM CET | Politics, Law & Society Press release from: ABNewswire Real estate transactions require careful attention to detail, particularly when it comes to crafting a purchase offer agreement. This critical document serves as the foundation for any property transaction, outlining the terms between the buyer and seller to ensure clarity and avoid potential disputes. Christine Matus ( https://matuslaw.com/4-things-every-purchase-offer-agreement-include/ ), a leading New Jersey real estate attorney with The Matus Law Group, highlights the importance of having a comprehensive agreement that addresses the unique aspects of each transaction. "A purchase offer agreement is more than just a document-it's the roadmap for the entire real estate transaction," says New Jersey real estate attorney Christine Matus. "It ensures that both parties understand their rights and obligations, which helps to reduce the likelihood of misunderstandings or delays." In New Jersey, once both parties sign the purchase offer agreement, it becomes legally binding. The agreement typically covers key aspects such as the purchase price, property description, contingencies, and closing timelines. New Jersey real estate attorney Christine Matus advises that buyers and sellers alike benefit from taking the time to understand this document fully and ensuring its terms are tailored to their specific circumstances. Whether buying a first home or navigating a more complex transaction, a well-prepared agreement is essential to protecting one's interests. One of the most important elements of any purchase agreement is the inclusion of terms related to financing. Buyers should ensure the document reflects their needs and limitations when it comes to obtaining a mortgage. Matus explains that this can include specific contingencies, such as securing financing at a certain interest rate or loan type. "Adding these terms protects the buyer in case financing falls through or isn't available on acceptable terms," she notes. Such clauses provide a safety net that prevents buyers from being locked into a transaction they cannot afford to complete. Closing costs are another critical component of a purchase offer agreement. These costs, which can include title search fees, transfer taxes, and escrow fees, often become a point of negotiation between buyers and sellers. Christine Matus emphasizes that the allocation of these expenses should be explicitly stated in the agreement to avoid confusion. "If a buyer wants the seller to cover all or part of the closing costs, that must be clearly outlined in the contract," she says. Properly defining these responsibilities helps ensure smoother interactions between the parties as the transaction progresses. Home inspections are a common contingency included in purchase agreements, and for good reason. Inspections can reveal significant issues that may affect the value or safety of a property. Matus explains that this clause allows buyers to renegotiate or even withdraw their offer if serious problems are identified during the inspection process. "This type of contingency is essential for protecting buyers from unforeseen repair costs that could arise after closing," she advises. Buyers should work with their attorney to draft inspection-related provisions that offer flexibility while maintaining clear expectations. Timing also plays a crucial role in real estate transactions, particularly when buyers must sell their current home before completing the purchase of a new one. Christine Matus encourages buyers to include contingencies related to the sale of existing properties and realistic closing timelines in their agreements. "Without clear terms about these deadlines, buyers may find themselves in a difficult financial position, juggling two mortgages or dealing with unexpected delays," she warns. Buyers should also establish a timeline for closing, which typically ranges from 30 to 60 days, but may vary based on specific circumstances. Christine Matus points out that while many purchase agreements rely on standardized templates, these forms may not always address the unique needs of a transaction. Having an experienced real estate attorney review or customize the agreement can help prevent gaps or ambiguities that could lead to disputes. "A well-prepared purchase agreement is essential for protecting your rights and interests," says Matus. "Working with a knowledgeable attorney ensures that every detail is accounted for, so you can proceed with confidence." The Matus Law Group assists clients in reviewing and drafting purchase agreements that align with their goals and comply with New Jersey laws. Christine Matus emphasizes the importance of seeking professional guidance to navigate the complexities of real estate contracts. "Taking the time to get the agreement right at the outset can save buyers and sellers significant stress and expense later on," she adds. About The Matus Law Group: The Matus Law Group is a premier New Jersey law firm widely experienced in real estate law and dedicated to providing clients with tailored legal solutions. Led by attorney Christine Matus, the firm offers comprehensive services for buyers and sellers, ensuring that every real estate transaction is handled with professionalism and attention to detail. With a focus on protecting clients' rights and facilitating seamless property transfers, The Matus Law Group has earned a reputation as a trusted partner in the New Jersey real estate community. Embeds: Youtube Video: https://www.youtube.com/watch?v=4hcadDllXRU GMB: https://www.google.com/maps?cid=6876392708092026946 Email and website Email: admin@matuslaw.com Website: https://matuslaw.com/ Media Contact Company Name: Matus Law Group Contact Person: Christine Matus Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=new-jersey-real-estate-attorney-christine-matus-shares-insights-on-key-elements-of-a-purchase-offer-agreement ] Phone: (732) 281-0060 Address:81 E Water St #2C City: Toms River State: New Jersey 08753 Country: United States Website: https://matuslaw.com/ This release was published on openPR.
By STEVE LEBLANC, ERIC TUCKER and TARA COPP BOSTON (AP) — Two men, including a dual Iranian American citizen, have been arrested on charges that they exported sensitive technology to Iran that was used in a drone attack in Jordan that killed three American troops early this year and injured dozens of other service members, the Justice Department said Monday. The pair were arrested after FBI specialists who analyzed the drone traced the navigation system to an Iranian company operated by one of the defendants, who relied on technology funneled from the U.S. by his alleged co-conspirator, officials said. “We often cite hypothetical risk when we talk about the dangers of American technology getting into dangerous hands,” said U.S. Attorney Joshua Levy, the top federal prosecutor in Massachusetts. “Unfortunately, in this situation, we are not speculating.” The defendants were identified as Mahdi Mohammad Sadeghi, who prosecutors say works at a Massachusetts-based semiconductor company, and Mohammad Abedininajafabadi, who was arrested Monday in Italy as the Justice Department seeks his extradition to Massachusetts. Prosecutors allege that Abedininajafabadi, who also uses the surname Adedini and operates an Iranian company that manufactures navigation systems for drones, has connections to Iran’s paramilitary Revolutionary Guard. They allege that he conspired with Sadeghi to circumvent American export control laws, including through a front company in Switzerland, and procure sensitive technology into Iran. Both men are charged with export control violations, and Abedini separately faces charges of conspiring to provide material support to Iran. A lawyer for Sadeghi, a naturalized U.S. citizen who was arrested Monday in Massachusetts, did not immediately return an email seeking comment. U.S. officials blamed the January attack on the Islamic Resistance in Iraq, an umbrella group of Iran-backed militias that includes Kataib Hezbollah. Three Georgia soldiers — Sgt. William Jerome Rivers of Carrollton, Sgt. Breonna Moffett of Savannah and Sgt. Kennedy Sanders of Waycross — were killed in the Jan. 28 drone attack on a U.S. outpost in northeastern Jordan called Tower 22. In the attack, the one-way attack drone may have been mistaken for a U.S. drone that was expected to return back to the logistics base about the same time and was not shot down. Instead, it crashed into living quarters, killing the three soldiers and injuring more than 40. “To the people who were injured by this attack, to the loved ones and family members of the people who lost their lives, as the son of a combat veteran I humbly hope that today’s charges bring some measure of justice and accountability,” Levy said. Tower 22 held about 350 U.S. military personnel at the time. It is strategically located between Jordan and Syria, only 10 kilometers (6 miles) from the Iraqi border, and in the months just after Hamas’ Oct. 7 attack on Israel, and Israel’s blistering response in Gaza, Iranian-backed militias intensified their attacks on U.S. military locations in the region. Following the attack, the U.S. launched a huge counterstrike against 85 sites in Iraq and Syria used by Iran’s Revolutionary Guard and Iranian-backed militia and bolstered Tower 22’s defenses. ____ Tucker and Copp reported from Washington.Manchester City's struggles continued as Pep Guardiola's side remarkably blew a three-goal lead to draw 3-3 with Feyenoord in the Champions League on Tuesday, while Bayern Munich beat Paris Saint-Germain to leave the French club in danger of elimination. There were also big wins for Arsenal, Atletico Madrid, Atalanta and Bayer Leverkusen, while Inter Milan went top of the standings after five games and Barcelona's Robert Lewandowski reached a century of Champions League goals. However, the biggest drama came at the Etihad Stadium, where City were cruising early in the second half with a three-goal advantage as they sought to end a run of five successive defeats in all competitions. Erling Haaland opened the scoring from a penalty just before half-time, and Ilkay Gundogan's deflected shot made it 2-0 in the 50th minute. Haaland struck again to make it 3-0, but Feyenoord's comeback began on 75 minutes when Anis Hadj Moussa took advantage of hapless defending to round goalkeeper Ederson and pull one back. Substitute Santiago Gimenez bundled in to make it 3-2 on 82 minutes and the equaliser arrived a minute from the end. Ederson was again caught out with Igor Paixao going around the goalkeeper and crossing for Slovak international David Hancko to head in. "We concede a lot of goals because we are not stable," complained Guardiola. "We lost a lot of games lately. We are fragile and of course we need a victory." It is the first time that a team has gone into the last 20 minutes of a Champions League game trailing by three goals and still avoided defeat, as the point boosts the Dutch side's hopes of progressing. City are two points outside the top eight places which offer direct qualification for the last 16, while Bayern moved above them by beating PSG 1-0 in Munich. South Korean defender Kim Min-jae scored the only goal seven minutes before half-time, heading in after goalkeeper Matvei Safonov failed to clear a corner. PSG had Ousmane Dembele sent off in the second half and the French champions have just four points, and three goals, from five games. They are a lowly 26th in the 36-team league, a point adrift of the positions which offer a place in the play-off round in February. "We need to win our last three matches, otherwise we risk being eliminated," admitted PSG coach Luis Enrique. Lewandowski notched his 100th goal in the competition with an early penalty in Barcelona's 3-0 home win over French side Brest. Dani Olmo netted midway through the second half before Lewandowski sealed Barca's win at the death, his 101st goal in the Champions League -- only Cristiano Ronaldo and Lionel Messi have scored more. Inter lead the standings with 13 points, a point ahead of Barcelona and Liverpool, after a 1-0 win at home to RB Leipzig which means they are also still yet to concede a goal. Castello Lukeba's own goal made the difference at San Siro, and Leipzig are one of only three teams to have lost five games out of five. Arsenal romped to a 5-1 victory away to Sporting in Lisbon, as the Portuguese side adapt to life without coach Ruben Amorim, who has departed for Manchester United. Gabriel Martinelli, Kai Havertz and Gabriel Magalhaes all scored in the first half for Arsenal, before Goncalo Inacio pulled one back shortly after the restart. Bukayo Saka converted a penalty on 65 minutes after Martin Odegaard had been brought down, and Leandro Trossard headed in to seal Arsenal's win late on. Atalanta romped to a 6-1 win over rock-bottom Young Boys in Switzerland, with Mateo Retegui and Charles De Ketelaere both scoring braces. Sead Kolasinac and Lazar Samardzic also netted for the Italians, with Silvere Ganvoula getting the hosts' reply. Florian Wirtz struck twice, including a penalty, as Leverkusen crushed Red Bull Salzburg 5-0, with Alejandro Grimaldo scoring a superb free-kick and Patrik Schick and Aleix Garcia also netting. Julian Alvarez and substitute Angel Correa each scored twice and Marcos Llorente and Antoine Griezmann once as Atletico romped to a 6-0 win away to Sparta Prague. Christian Pulisic, Rafael Leao and Tammy Abraham were the scorers in AC Milan's 3-2 win at Slovan Bratislava, whose goals came from Tigran Barseghyan and Nino Marcelli. Marko Tolic saw red at the end for Slovan, who are without a point. as/nf
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Giants face challenge in hosting Ravens, trying to end 8-game skidDrones latest: Congress set for classified briefing about mysterious origins that have baffled the US
How LED Desk Lamps Can Improve Work and Studies Efficiently 12-16-2024 11:52 PM CET | Industry, Real Estate & Construction Press release from: ABNewswire In today's fast-paced world, efficiency is key, whether you're working from home, at the office, or studying for an exam. One often overlooked yet crucial aspect that can significantly impact your productivity is the quality of lighting around you. The right light can make a world of difference in your ability to focus, work for extended periods, and avoid health issues like eye strain. LED desk lamps have become an increasingly popular choice due to their efficiency, versatility, and ability to improve work and study environments. In this article, we will explore how the best work desk lamp or study desk lamp can enhance your productivity and overall well-being. We will also provide valuable insights into choosing the right desk lamp and how to maximize its potential in your workspace. 1. Benefits of LED Desk Lamps Energy Efficiency LED desk lamps are known for their energy-efficient design. Unlike traditional incandescent or fluorescent bulbs, LEDs consume far less power to produce the same level of brightness. This makes them an ideal option for those who spend long hours at their desk. An office work desk lamp or study desk lamp that uses LED technology helps reduce energy consumption, saving you money on electricity bills over time. Additionally, LEDs have a longer lifespan compared to other bulbs. Most LED desk lamps can last up to 25,000 to 50,000 hours, which is significantly more than the 1,000-hour lifespan of incandescent bulbs. This means fewer replacements, reducing both waste and the long-term cost of maintaining your lamp. Cost-Effective While the initial cost of an LED desk lamp may be slightly higher than traditional lamps, the savings in energy and maintenance make it a more cost-effective choice in the long run. A rechargeable study desk lamp [ https://www.wonledlight.com/eye-protection-study-led-rechargeable-desk-lamp-product/ ] or any high-quality LED model will continue to function efficiently for years, providing a significant return on investment. With the best work desk lamp, you won't need to worry about frequent bulb changes. The durability of LEDs means you're getting reliable lighting for longer periods, making it an economical option for both personal and professional spaces. 2. Optimal Lighting for Focus and Concentration Consistent and Bright Illumination One of the primary advantages of LED desk lamps is their ability to provide consistent and bright illumination. Whether you're working on a project or studying for an exam, a well-lit environment is essential for maintaining focus. LEDs deliver a steady stream of light, which helps eliminate shadows and reduces the chances of eye fatigue, a common problem with other light sources. For individuals who use a work desk lamp or study desk lamp for hours at a time, the importance of bright, uniform light cannot be overstated. Dimming or flickering lights can cause distractions and make it harder to focus, potentially slowing down your work and study efficiency. Avoiding Eye Strain Prolonged exposure to poor lighting can lead to eye strain, headaches, and fatigue. LED lamps, especially those designed for study or work purposes, are engineered to reduce glare. Unlike some other types of lighting, LEDs don't flicker or emit excessive blue light that can cause strain. Investing in the best study desk lamp [ https://www.wonledlight.com/news/recommend-the-best-study-lamp/ ] or the best work desk lamp can help minimize eye strain and improve comfort. Many modern LED desk lamps come with built-in features to adjust brightness and color temperature, allowing you to find the optimal settings for reading, writing, or computer work. 3. Customizable Lighting Features Adjustable Brightness and Color Temperature A key feature that sets LED desk lamps apart from other lighting options is their versatility. Most high-quality LED desk lamps, whether for office or study purposes, come with adjustable brightness levels. This allows you to tailor the light to your specific needs at any given time. For instance, a lower brightness setting might be ideal for evening reading, while a higher brightness is better suited for detailed work tasks during the day. Additionally, color temperature settings are a significant advantage of LED technology. Some tasks, like reading and writing, are best done under warm light, which is softer and more relaxing. On the other hand, cool light, often preferred for work tasks like typing or computer work, helps keep you alert and focused. Here is a quick comparison of color temperatures and their impact on work and study efficiency: Color Temperature Best For Effect on Productivity Warm Light (2700-3000K) Reading, relaxation, evening work Creates a cozy, relaxed atmosphere Neutral Light (3500-4500K) General office work, writing Improves focus without causing fatigue Cool Light (5000-6500K) Detailed tasks, computer work Boosts alertness and concentration By choosing the right color temperature and brightness level, a rechargeable study desk lamp or a well-designed work desk lamp can significantly improve your ability to stay focused and work efficiently. Smart Features The latest LED desk lamps come with a variety of smart features designed to make your workspace even more convenient and comfortable. Many models are equipped with touch controls, allowing you to easily adjust brightness or color temperature with a simple tap. Some advanced options even come with motion sensors that adjust the light automatically based on your proximity. Additionally, some desk lamps can be charged via USB, making them a convenient option for anyone who needs a portable light source. Whether you need a compact rechargeable study desk lamp for your small study nook or a larger office work desk lamp [ https://www.wonledlight.com/news/how-to-choose-office-desk-lamp/ ] for a spacious workspace, the convenience of smart features cannot be underestimated. 4. Creating the Right Environment for Study and Work Creating a Comfortable Workspace Good lighting is essential for creating a comfortable and productive environment. A well-lit desk encourages focus and creativity. In contrast, a poorly lit workspace can make tasks feel more challenging, reduce efficiency, and even contribute to mental fatigue. Image: https://www.wonledlight.com/uploads/image-1731856745732.png With the best work desk lamp, you can ensure that your workspace is conducive to productivity. For students, the right study desk lamp can foster a calm and organized atmosphere, which can lead to better concentration and a more enjoyable study experience. Minimizing Distractions LED desk lamps, especially those with adjustable arms or positioning, allow you to control where the light falls. This helps eliminate distractions like shadows or reflections on your screen, allowing you to stay focused on the task at hand. Whether you're working on your laptop or reading a textbook, the right lighting can ensure that nothing takes your attention away from your work or study. 5. Benefits for Health and Well-Being Better Sleep and Circadian Rhythm The right lighting also plays a role in regulating your circadian rhythm. Exposure to cool light during the day helps maintain alertness and can improve focus. On the other hand, exposure to warm light in the evening can signal to your body that it's time to wind down. LED desk lamps are great for supporting your body's natural rhythm. By selecting a lamp with adjustable color temperature, you can ensure your lighting complements your sleep schedule. This is especially important for students and professionals who spend long hours working or studying at night. Reducing Headaches and Fatigue As mentioned earlier, one of the key benefits of LED desk lamps is that they help minimize flicker and glare. This is crucial for reducing eye strain, which is often the cause of headaches and fatigue. If you work or study for extended periods, a study desk lamp or work desk lamp designed to reduce eye strain will significantly enhance your well-being and efficiency. 6. Practical Tips for Using LED Desk Lamps Effectively Positioning the Lamp To get the most out of your LED desk lamp, proper positioning is essential. The lamp should be placed in a way that minimizes shadows on your work surface and ensures even lighting. If you're working with a computer, position the lamp so that the light doesn't create glare on your screen. For a study desk lamp, aim to place the lamp at an angle that provides direct light without causing unnecessary strain on your eyes. Maintaining Your LED Desk Lamp Though LED desk lamps are low-maintenance, it's important to keep them clean to ensure optimal performance. Dust can accumulate on the lamp's surface and affect the light output. Use a soft cloth to clean the lamp regularly and ensure the light remains bright and effective. Choosing the Right LED Desk Lamp for Your Needs When shopping for an LED desk lamp, there are a few factors to consider: * Brightness: Choose a lamp with adjustable brightness to suit various tasks. * Color Temperature: Select a lamp with customizable color temperature to improve focus and reduce eye strain. * Portability: If you need a rechargeable study desk lamp for a mobile setup, ensure the lamp has a rechargeable battery and portable design. * Durability: Look for a lamp with a sturdy build, especially if you plan on using it for extended periods. Conclusion LED desk lamps are more than just a source of light-they are essential tools for improving your work and study efficiency. Whether you're looking for a work desk lamp that can keep you focused during long office hours or a study desk lamp that helps you read and learn more effectively, investing in a high-quality LED lamp is a smart decision. By choosing the best study desk lamp or work desk lamp with features like adjustable brightness, customizable color temperature, and smart controls, you can create a productive and healthy environment for yourself. With the added benefits of energy efficiency, reduced eye strain, and improved focus, LED desk lamps are truly an investment in your productivity and well-being. When selecting a desk lamp, always consider your specific needs, the size of your workspace, and any additional features that will make your work or study sessions more enjoyable. Media Contact Company Name: DONGGUAN WONLED LIGHTING CO., LTD. Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=how-led-desk-lamps-can-improve-your-work-and-study-efficiency ] Country: China Website: https://www.wonledlight.com/ This release was published on openPR.West Valley students are spreading the gift and joy of reading to children thousands of miles away. BASIS Peoria attendees, through their UNICEF Club, partnered with the African Library Project to provide a fully stocked library to youth in Kenya. The students in Africa were given more than 2,000 books, creating countless opportunities where they previously lacked such resources. In the video player above, ABC15's Cameron Polom shares this story about empowering communities, bridging worlds, and proving that small actions can make monumental changes.Giants face challenge in hosting Ravens, trying to end 8-game skid
Baltimore (8-5) at New York Giants (2-11) Sunday, 1 p.m. EST, CBS BetMGM NFL Odds: Ravens by 16. Against the spread: Ravens 6-6-1; Giants 4-9. Series record: Ravens lead 5-3. Last meeting: Giants beat the Ravens 24-20 on Oct. 16, 2022, in East Rutherford, N.J. Last week: Ravens had a bye; Giants lost to Saints 14-11. Ravens: overall (1), rush (2), pass (5), scoring (3) Ravens defense: overall (22), rush (1), pass (32), scoring (23) Giants offense: overall (26), rush (15), pass (28), scoring (32) Giants defense: overall (16), rush (29), pass (6), scoring (T14) Turnover differential: Raven plus-2; Giants minus-8. K Justin Tucker is having the worst season of his outstanding career, and the potentially windy conditions in East Rutherford could post another challenge for him. Baltimore would love to see some signs that he's rounding into form as the playoffs draw closer. QB Tommy DeVito. He is probably going to get his second start of the season with Drew Lock in a walking boot. The New Jersey product didn't do much in a 30-7 loss to Tampa Bay in his first start. He was 21 of 31 for 189 yards and no touchdowns. Playing without Pro Bowler Dexter Lawrence and fellow defensive tackle Rakeem Nunez-Roches, the young line held its own against Alvin Kamara and the Saints last week, limiting the team to 92 yards rushing on 33 carries. Slowing down the league's No. 1 offense and No. 2 running game led by Lamar Jackson and Derrick Henry will be a lot tougher. Ravens: WR Rashod Bateman (knee) practiced this week, and Balticmore is generally pretty healthy following its open date. NT Michael Pierce (calf) and LB Kyle Van Noy (hamstring/neck) practiced as well. Giants: CB Deonte Banks (ribs), ILB Bobby Okereke (back), Nunez-Roches (shoulder-neck), T Chris Hubbard (knee), CB Dru Phillips (shoulder), LT Jermaine Eluemunor (quad) all missed last week and could be out again. ... QB Drew Lock (heel), LG Jon Runyan Jr. (ankle) and CB Tre Hawkins (back) were hurt in the game. Hawkins and S Tyler Nubin (ankle) were placed on injured reserve. Runyan is week to week. Lock is unlikely. T Evan Neal (hip-ankle), T Josh Ezeudu (knee), S Dane Belton (knee), WR Malik Nabers (hip), DL Jordon Riley (knee) are on the injury report. The Giants have won the past three games, including the most recent one in Brian Daboll's first season as coach. The Ravens won the biggest game, beating New York 34-7 in the Super Bowl in Tampa, Fla., on Jan. 28, 2001. The Ravens are coming off a bye week. ... Baltimore averages an NFL-leading 422.5 yards of offense. ... Jackson has had an NFL-best eight games of two or more touchdown passes and no interceptions. He's had no picks in 6 of 7 road games this season. ... WR Zay Flowers leads the team with 74 catches. ... Mark Andrews is tied for second among NFL tight ends with seven touchdown receptions. ... LB Roquan Smith aims for his fourth game in a row with at least 11 tackles. He is tied for fifth in the league with 121 tackles. ... LB Kyle Van Noy recovered a fumble for touchdown in his only game against the Giants. ... LB Odafe Oweh has had a sack in his past two road games. ... Nabers leads the Giants with 80 catches, 819 yards and three touchdown receptions. Fellow rookie RB Tyrone Tracy leads the team with 664 yards rushing and five TDs. ... WR Wan’Dale Robinson is second behind Nabers with 67 catches. The Giants are the only team with two players with at least 67 receptions. ... The Giants have an NFL-low eight touchdown receptions. ... Nubin led all rookies with 97 tackles before going on IR. ... Hawkins had an interception last week, the Giants' first since the season opener. ... OLB Brian Burns had a sack, two tackles for loss and a forced fumble against the Saints. .... ILB Micah McFadden had a team-high 11 tackles, including five for losses last week. He is the fifth player in the past five seasons with five TFLs in one game. ... OLB Kayvon Thibodeaux had sack and two TFLs last week. Ravens RB Derrick Henry. He rushed for 170 yards and two touchdowns in only road game against the Giants. He is tied for the NFL lead with 15 overall TDs, 13 rushing. The 30-year-old is second in the league with 1,407 yards rushing and 1,532 yards from scrimmage. AP NFL:
UDF IV's Plan "Not to Reconvene the Annual Meeting" is Unacceptable Outcome for Shareholders NexPoint Urges UDF IV to Reconvene Meeting Following Full Disclosure of Ready Capital Transaction Details and to Disclose Amount of Shareholder Funds Used on Advisors for an Annual Meeting it has Failed to Hold DALLAS , Dec. 12, 2024 /PRNewswire/ -- NexPoint Real Estate Opportunities, LLC (together with its affiliates "NexPoint") today issued a statement regarding the "adjournment" of the United Development Funding IV ("UDF IV" or the "Company") Annual Meeting of Shareholders ("Annual Meeting") due to a lack of quorum and the Company's statement that it will not reconvene the Meeting. NexPoint provided the following comment: "We are deeply alarmed by UDF IV's announcement that it will not reconvene the Annual Meeting after failing to meet the quorum threshold. This decision exemplifies UDF IV's governance failures and unwillingness to engage with shareholders. This outcome also raises serious concerns about the current Board's ability to protect shareholder interests in the context of the proposed acquisition by Ready Capital (NYSE: RC). UDF IV's decision appears predicated on the assumption that the Ready Capital deal will close before the next Annual Meeting, suggesting they may seek to avoid holding its first contested annual meeting and Trustee election in nine years. "We call on UDF IV to reconvene the Annual Meeting in accordance with the Company's bylaws within 120 days after the record date, but only after providing shareholders with the disclosures necessary to assess the proposed transaction, including previously omitted disclosure schedules, recent financials, the proxy statement and many other material details. We also call on UDF IV to obtain a non-objecting beneficial owners (NOBO) list to ensure greater shareholder oversight and engagement." As stated, NexPoint declined to appear at the Annual Meeting due to concerns over the Company's last-minute announcement of the proposed Ready Capital merger, which appeared to be an attempt to sway the Annual Meeting's outcome without providing shareholders the necessary information to evaluate the proposed transaction. NexPoint would support the acquisition if full disclosure is presented, including current financials, and the transaction terms are fair. Independent proxy advisory firm Glass Lewis shares NexPoint's concerns about UDF IV's disclosure deficiencies and the Ready Capital deal: "While we understand a transaction of this nature could be viewed as something of a panacea for investors dissatisfied with the Trust's longstanding lack of liquidity and poor corporate governance, we believe shareholders have ample cause to question the timing of the transaction, the absence of key disclosures and, most fundamentally, the board's ability to credibly negotiate and secure a transformative transaction of this nature. That such an agreement would be executed less than two weeks prior to the Trust's first substantive election of directors in nearly ten years is more alarming still, and, in our view, further stokes concern about the board's true commitment to good governance and shareholder feedback." 1 NexPoint believes the Annual Meeting vote was a dead heat – certainly much closer than reported by UDF IV – demonstrating significant shareholder dissatisfaction with UDF IV's leadership. The Company exploited the purpose of the Annual Meeting and positioned it as a referendum on the merger to sway votes, which indeed caused some shareholders to change their vote in favor of the Company just days before the election. Glass Lewis states: "With the first meaningful board referendum in nearly a decade on the near-term docket — in this instance, seemingly only as a result of legal action in Maryland by NexPoint — UDF has notionally elevated the stakes by announcing a prospective acquisition of the Trust by Ready Capital in a partially contingent cash, stock and CVR transaction executed just eight days prior to the forthcoming AGM." 1 UDF IV has actively suppressed shareholder engagement, refusing any constructive dialogue with NexPoint. To avoid accountability, the Company first spent significant shareholder funds to prevent this meeting from occurring. Then, once a Maryland court ordered it to hold this meeting, it took no steps to obtain the NOBO list representing approximately 24 million of UDF IV's 30 million shares, which would have enabled them to advise those shareholders directly about the first election of independent trustees in nine years. They later fought NexPoint's efforts to obtain such a list, but spent significant shareholder funds on high-priced attorneys and public relations firms to advance their agenda. NexPoint now calls on UDF IV to disclose the costs borne by shareholders related to the Annual Meeting (and efforts to avoid it) the Company now suggests it may never hold. Shareholders are entitled to information from UDF IV to make their own decisions about the current Trustees and the proposed merger and deserve the opportunity to hold the Trustees accountable for years of value erosion and lost trust in favor of NexPoint's independent nominees. We encourage UDF IV shareholders to contact the Company to demand they reconvene the shareholder meeting, publish information on the merger, then meaningfully engage with NexPoint and other shareholders to answer their questions. (1) Glass, Lewis & Co., LLC.: United Development Funding IV. December 6, 2024 . About NexPoint NexPoint Real Estate Opportunities, LLC is a wholly owned subsidiary of NexPoint Diversified Real Estate Trust, Inc. (NYSE: NXDT), an affiliate of NexPoint Advisors, L.P. NexPoint Advisors, L.P. is an SEC-registered adviser on the NexPoint alternative investment platform. It serves as the adviser to a suite of funds and investment vehicles, including a closed-end fund, interval fund, business development company, and various real estate vehicles. For more information visit www.nexpoint.com IMPORTANT INFORMATION NexPoint Real Estate Opportunities, LLC ("NexPoint") has delivered a proxy statement with respect to its solicitation of proxies for nominees to be elected to the United Development Funding IV ("UDF IV") Board of Trustees at the Annual Meeting of Shareholders of UDF IV. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE NEXPOINT PROXY STATEMENT (INCLUDING ANY AMENDMENTS OR SUPPLEMENTS THERETO) IN ITS ENTIRETY. Copies of the documents are available free of charge from NexPoint by accessing the website www.udfaccountability.com . NexPoint, its affiliates, their directors and executive officers and other members of management and employees may be participants (collectively "Participants") in the solicitation of proxies by NexPoint. Information about NexPoint's nominees to the UDF IV Board of Trustees and information regarding the direct or indirect interests in UDF IV, by security holdings or otherwise, of NexPoint, the other Participants and NexPoint's nominees will be available in the proxy statement. NexPoint's disclosure of any security holdings will be based on information made available to NexPoint by such Participants and nominees. UDF IV is no longer subject to the reporting requirements of the Securities Exchange Act of 1934, as amended. Consequently, NexPoint's knowledge of significant security holders of UDF IV and as to UDF IV itself is limited. NexPoint has neither sought nor obtained consent from any third party to use previously published information in this press release, including any quotes used in this press release. CONTACT INFORMATION UDF IV Investor Contacts Chuck Garske / Jeremy Provost / Theo Caminiti (Okapi Partners): Email: info@okapipartners.com Phone: (212) 297-0720 For Additional Information/Updates on UDF IV Website: www.udfaccountability.com Email: udfinvestors@nexpoint.com Media Contacts Lucy Bannon (NexPoint): lbannon@nexpoint.com Paul Caminiti / Pamela Greene (Reevemark): nexpointteam@reevemark.com NexPoint Investor Relations Kristen Griffith : ir@nexpoint.com View original content: https://www.prnewswire.com/news-releases/nexpoint-comments-on-cancellation-of-united-development-funding-iv-udf-iv-2024-annual-meeting-302330865.html SOURCE NexPoint Advisors, L.P.
Starmer to visit troops serving on Russian border in push for Ukraine support
Global Sales Gamification Software Market to Reach USD 2.7 Billion by 2031, Growing at a CAGR of 20.1% | TMR
Man City goalkeeper Ederson causes CHAOS after charging out of his box and leaving an open goal for Feyenoord's equaliser in 3-3 draw Manchester City threw away a three-goal lead in their draw against Feyenoord City goalkeeper Ederson charged out and left an open goal for the visitors SOCCER A-Z: Listen now wherever you get your podcasts, or watch on YouTube. New episodes every Wednesday and Friday By JAMES COHEN Published: 18:29 EST, 26 November 2024 | Updated: 18:30 EST, 26 November 2024 e-mail View comments Manchester City goalkeeper Ederson was left red-faced after charging out and leaving an open goal for Feyenoord to score a crucial equaliser. Pep Guardiola 's side had lost five matches in a row, in all competitions, prior to the Champions League clash and looked as though they were going to change that. An Ilkay Gundogan strike and Erling Haaland brace secured put the hosts in the driving seat at the Etihad stadium. However, Feyenoord hit back with three goals in the final 15 minutes of regular time to ensure that Guardiola's side did not leave with all three points. City goalkeeper Ederson will feel he played a large part in the Dutch giants taking a point from the match after rushing out of his goal to allow them to equalise. In the dying moments of the match, the Brazilian charged out of his goal but mistimed his run, which allowed David Hancko to put the ball into an empty net. Manchester City goalkeeper will feel at fault for their capitulation against Feyenoord The Brazilian came charging out of his goal but missed the ball to allow their equalising goal INCREDIBLE SCENES AT THE ETIHAD! 😳 From 3-0 down, Feyenoord are now DRAWING 3-3 with Man City! #UCLonPrime pic.twitter.com/pMUCrA0jLD — Amazon Prime Video Sport (@primevideosport) November 26, 2024 It was a curious decision from the City stopper and fans were quick to respond on social media. 'What was Ederson doing?' one fan asked as they shared a screenshot of Ederson flying out of his box. 'There's a reason why Ederson is behind Alisson in the Brazil national team pecking order,' another supporter said. Dragging another City player into the debate, one user wrote: 'Ederson and Gvardiol have genuinely bottled a 3-0 lead. That is impressive'. Speaking on the goal, Stuart Pearce told Amazon Prime: 'The line is so high, no pressure on the ball, they've helped it round the corner, the line's not straight, he's played onside and all you can see is black shirts around the box.' 'City play an aggressive high line, if you play that ad your players are full of confidence they'll know when to come up and when to stay with the runners. 'When the confidence is shaken a, little bit, you hold that line and you think "should I stay or not" and that hesitation costs you a goal.' Earlier in the game, Haaland took his goal tally for the campaign up to 17 goals after bagging a first-half brace against the visitors. City had looked in cruise control prior to a frantic 15-minute period at the end of the match Pep Guardiola's side are now six games without a win as they now head to title rivals Liverpool The first came from the penalty spot before he later slid in to convert from close range to double his tally on the night - prior to City's capitulation. Gundogan also found the back of the net after a deflected volley found its way past the Feyennord defence and goalkeeper. Erling Haaland Champions League Ilkay Gundogan Share or comment on this article: Man City goalkeeper Ederson causes CHAOS after charging out of his box and leaving an open goal for Feyenoord's equaliser in 3-3 draw e-mail Add commentAuthorities in Pakistan launch operation to clear Khan supporters from capital
Starmer to visit troops serving on Russian border in push for Ukraine supportSir Keir Starmer was speaking at the Joint Expeditionary Force (JEF) conference in Estonia where he met leaders of other Baltic states. After signing an energy partnership with Norwegian Prime Minister Jonas Gahr Store in Bergen, Sir Keir flew to Estonia where he spoke alongside Mr Store and their Estonian counterpart Kristen Michal. Asked what else could be done to support Ukraine, Sir Keir said: “There is an ever-increasing demand for more capability. That is understandable, and Ukraine needs all the capability that it can get, so I think all of us have put in more capability into Ukraine by way of equipment.” He added: “A lot of money has been raised, funding has been raised, but more is going to be needed.” The Prime Minister’s also discussed making the economic case at home for continued support for Ukraine. Sir Keir said: “Making the case on the significance of Ukraine, making the case, to double down, linking it back to each of our countries – what does it mean for us if Russia succeeds, is a really important question that we have to answer with our people to make it clear why it is that we are so supportive of Ukraine, why it is that we must stand with our allies on this, why it is we must make sure that Nato is put in the strongest position as well. “Now, this is a different world to the world of 10, 20 years ago, to recognise the world that we are living in, there’s a positive case as well to be made. “Defence spending doesn’t sort of sit in a silo over here with no effect on the rest of the economy, no effect on technology. “It has a huge effect on technologies, the cutting edge of technology and change which can then be used in other areas. “It binds countries together. I think all of us have got joint projects on in terms of defence capabilities that bind us together. There’s a huge number of well-paid jobs that are very important to our economy in defence spending as well. “But we have to make that positive case. I don’t personally feel that we can sort of sit back and assume that all of those in our respective countries necessarily accept all of our arguments unless we make them in that positive way, which I do think the argument can and should and must be made. “But the challenge that you put to us is the right challenge, which is it’s very difficult when finances are tight, as they are in all of our countries.” On Tuesday morning the Prime Minister will meet Taavi Madiberk, the founder of Estonian tech start-up manufacturing low-cost air defence missiles, Frankenburg Technologies, which is planning to open a new office in London Specialising in the manufacture of the missiles, the rapidly growing company already collaborates closely with the UK defence industry, sourcing a significant portion of its subsystems locally, including from propulsion specialists Roxel in Worcestershire. The Prime Minister will again attend the JEF summit, joining leaders from the Nordics and Baltics to discuss support for Ukraine, the sustained threat posed by Russia and wider European security. He will then visit British forces serving in the region to deter malign Russian threats.
'Suay' to one family, 'pakiam' to anotherNoneNone
Chinese casino hub Macau struggles to evolve beyond gamingMiley Cyrus' younger boyfriend looks at life "really differently" from the singerBy KATE BRUMBACK ATLANTA (AP) — A judge is weighing whether a Georgia state Senate committee has the right to subpoena testimony and documents from Fulton County District Attorney Fani Willis as it looks into whether she has engaged in misconduct during her prosecution of President-elect Donald Trump. The Republican-led committee sent subpoenas to Willis in August seeking to compel her to testify at its September meeting and to produce scores of documents. The committee was formed earlier this year to examine allegations of “various forms of misconduct” by Willis, an elected Democrat, during her prosecution of Trump and others over their efforts to overturn the former president’s 2020 election loss in Georgia. Willis’ attorney, former Democratic Gov. Roy Barnes, told Fulton County Superior Court Judge Shukura Ingram during a hearing Tuesday that although the Georgia General Assembly has subpoena power, that power is not automatically conferred on a single legislative chamber or its committees. Even if the committee did have such power, he argued, the subpoenas in question are overly broad and not related to a legitimate legislative need. Barnes said the focus on Willis and her investigation into Trump shows that the committee was politically motivated and not a legitimate inquiry into the practices of district attorneys’ offices: “What they were trying to do is chill the prosecution of Donald Trump and find out what they had.” Josh Belinfante, a lawyer representing the lawmakers, said there is nothing in the Georgia Constitution that prohibits the Senate from issuing a subpoena. The duly formed interim committee is looking into whether new legislation is needed to regulate the practices of district attorneys’ offices in the state, he argued. “They are investigating and making an inquiry into these allegations that may show that existing state laws, including those establishing the processes for selecting, hiring and compensating special assistant district attorneys, are inadequate,” Belinfante said. The resolution creating the committee focused in particular on Willis’ hiring of special prosecutor Nathan Wade , with whom she had a romantic relationship , to lead the prosecution against Trump and others. It says the relationship amounted to a “clear conflict of interest and a fraud upon the taxpayers” of the county and state. One of the committee’s subpoenas orders Wills to produce documents related to Wade, including documents related to his hiring and payment, documents related to money or items of value that Wade and Willis may have exchanged, text messages and emails between the two, and their phone records. The committee also requested any documents her office sent in response to requests from the U.S. House, as well as communications Willis and her office had with the White House, the U.S. Justice Department and the House relating to the 2020 presidential election. And they asked for documents related to federal grant money Willis’ office has received. Before the deadlines in the subpoenas, Willis challenged them in court. Willis’ challenge was pending in mid-September when she skipped a hearing during which the committee members had hoped to question her. In October, the committee asked Ingram to require Willis to comply with the subpoenas. The committee’s lawyers wrote in a court filing that Willis’ failure to do so had delayed its ability to finish its inquiry and to provide recommendations for any legislation or changes in appropriations that might result. Barnes also argued that once the regular legislative session has adjourned, which happened in March this year, legislative committees can meet to study issues and come up with recommendations but do not have the power to compel someone to appear or produce documents. Belinfante rejected that, saying the state Constitution expressly permits the creation of interim committees and allows them to make their rules. Even if these subpoenas were validly issued, Barnes argued, they ask for too much, including private and personal information that is not a legitimate target of a legislative subpoena. Related Articles National News | FACT FOCUS: Vermont ruling does not say schools can vaccinate children without parental consent National News | Are you a former SmileDirectClub customer? You might be eligible for a refund National News | Justice Department announces sweeping reforms to curb suicides in federal prisons and jails National News | Defense makes closing argument in murder trial of Cash App founder Bob Lee National News | A judge has once again rejected Musk’s multi-billion-dollar Tesla pay package. Now what? Belinfante said the lawmakers are simply trying to do their jobs. He asked that Willis be ordered to appear before the committee in early January. He also asked that she be ordered to provide the requested documents and explain what privilege justifies any that are excluded. With a glaring lack of state case law on the issue of the General Assembly’s subpoena power, that’s one issue Ingram will have to address. She said she will consider the arguments and release her order as soon as she can. Willis and Wade have acknowledged that they had a relationship but have said it began after he was hired and ended before the indictment against Trump was filed. Trump and other defendants argued that the relationship created a conflict of interest that should disqualify Willis and her office from continuing with her prosecution of the case. Fulton County Superior Court Judge Scott McAfee ruled in March that Willis’ actions showed a “tremendous lapse in judgment,” but he did not find a conflict of interest that would disqualify Willis. He said she could continue her prosecution as long as Wade stepped aside, which he did. Trump and others have appealed that ruling to the Georgia Court of Appeals, and that appeal remains pending.‘End of an era’: What’s next for Matt Gaetz?