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By Kimberly Palmer, NerdWallet The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 financial goals : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling savings accounts so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your credit score , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to save more money , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. Related Articles Business | Why car insurance prices are rising so much even though inflation is cooling Business | Buying a house in 2025: your how-to guide Business | Travel scams that can hurt your credit or finances Business | For some FSA dollars, it’s use it or lose it at year’s end Business | Savings rates stay strong despite dips: A 2024 recap and what’s next for 2025 “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even budget together side-by-side . “It’s a fun excuse to meet up with a friend.” More From NerdWallet Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article The Secret to Making Successful Financial New Year’s Resolutions originally appeared on NerdWallet .
ASML IMPORTANT DEADLINE: ROSEN, SKILLED INVESTOR COUNSEL, Encourages ASML Holding N.V. Investors with Losses in Excess of $100K to Secure Counsel Before Important Deadline in Securities Class Action – ASML
In a staggering turn of events, billionaire investor Stan Druckenmiller has diverted his focus from Nvidia, the tech giant reaping benefits from the artificial intelligence surge, to Broadcom, signaling a noteworthy shift in market strategies. Nvidia’s Phenomenal Growth Nvidia has seen its stock price catapult by an incredible 895% since 2022, fueled by its advancements in AI-powered GPUs. The company’s prowess in artificial intelligence applications has made it a darling on Wall Street, with expectations of continued expansion driving the hype around its stocks and boosting its market capitalization. Druckenmiller’s Surprising Choice Contrary to the prevailing enthusiasm for Nvidia, Druckenmiller, a well-regarded former hedge fund manager, decided to sell all his Nvidia shares in the third quarter. Instead, he has shifted his investment focus to Broadcom, another prominent chipmaker entering the AI market. By introducing AI-based chips with competitive margins, Broadcom has caught the billionaire’s interest, now ranking among the top-15 in his portfolio. Broadcom: The Rising Star? As Broadcom fortifies its AI offerings, investor interest has surged, causing its stock value to climb significantly. Druckenmiller’s move has aroused curiosity on Wall Street, with many questioning whether he holds insights that could reshape investment strategies in the tech sector. Druckenmiller’s actions have led to speculation about the future of chipmaking and AI investments, challenging investors to rethink which companies might dominate this high-stakes industry. Is Broadcom Poised to Eclipse Nvidia in the AI Race? The tech investment world is abuzz following a notable shift by billionaire Stan Druckenmiller, who recently redirected his investment focus from Nvidia to Broadcom. This strategic pivot prompts a deeper examination of emerging trends and potential shifts in the AI chip market landscape. Understanding the AI Chip Market Dynamics Nvidia, known for its skyrocketing 895% increase in stock price since 2022, has become synonymous with AI advancements, particularly in GPUs, which are a cornerstone for artificial intelligence applications. This meteoric rise is attributed to Nvidia’s consistent innovation and expansion in AI technology, making it a favorite among Wall Street investors. However, Stan Druckenmiller’s decision to sell his Nvidia shares and invest heavily in Broadcom has turned heads. This unexpected move highlights a potential new trajectory for investors looking at the expanding AI market. Let’s delve into why Broadcom has captured Druckenmiller’s attention and what this could mean for the broader industry. Broadcom’s AI Ambitions and Market Potential Broadcom has increasingly focused on entering and growing within the AI market by developing AI-based chips. These chips offer competitive margins, which may enhance Broadcom’s profitability and market appeal. As a result, Broadcom has witnessed a robust uptick in investor interest and significant stock appreciation. This strategic development positions Broadcom as a formidable player in the AI chip domain. Druckenmiller’s investment indicates a potential reevaluation of what constitutes a leading company in this high-stakes field. Broadcom’s leap into AI technology could signify its readiness to replicate Nvidia’s success or perhaps pioneer new advancements that address niche market needs or even broader applications. The Implications for Investors and Market Trends Druckenmiller’s strategic realignment has sparked speculation about future trends in AI investments and chipmaking. His moves encourage investors to reconsider existing paradigms and broaden their focus beyond traditional powerhouses like Nvidia. Broadcom’s positioning could mark the beginning of a more diversified marketplace, where several key players contribute to AI’s growth trajectory. Broader Industry Impacts and Insights If Broadcom continues its aggressive entry into the AI market, it might stimulate increased competition and innovation among chipmakers. This has the potential to drive advancements in technology, affecting everything from AI development speeds to cost structures—the implications of which could ripple across various sectors dependent on AI technology. Predictions and Future Outlook The investment shift suggests a possible future where Broadcom and similar companies could challenge or complement Nvidia’s dominance. While Nvidia remains a leader, Broadcom’s ambitions might introduce new dynamics that reshape market strategies and outcomes. Investors and tech enthusiasts alike should closely monitor these developments for further insights into the evolving AI landscape. Given the rapidly changing tech sector, these strategic movements underscore the importance of flexibility and foresight in investment strategies. Whether Broadcom will eclipse Nvidia or carve out a new niche remains to be seen, but Druckenmiller’s actions signal an exciting potential shift in the AI sector’s competitive landscape. For more information, visit: BroadcomWe generally tend to think of development in terms of high rise buildings, roads and other infrastructure. But this is a quite wrong picture, because development in any form cannot take place without education and also health. An educated, healthy workforce is the foundation for developing any country. The National People’s Power (NPP) in its Presidential and General Elections manifestos pledged to allocate more resources to develop education. True to its word, the NPP Government has decided to provide a grant of Rs.6,000 for purchasing school books and supplies, not only for children of Aswesuma recipients but also for children from other low-income families, before the end of this year. Finance and Planning Deputy Minister Dr.Harshana Suriyapperuma said the Education Ministry will lead the initiative to identify eligible children and ensure the successful implementation of this benefit. Speaking at a special media briefing at the Presidential Media Centre (PMC), the Deputy Minister emphasised the importance of supporting the younger generation, who are seen as the country’s future. He has highlighted the Government’s commitment to enhancing educational facilities to help these children achieve their targets. Therefore, all eligible children from low income families will receive the Rs.6,000 grant through a proper procedure. It is still not clear whether the amount will be remitted to parents’ accounts or issued in cash at a central point like the Divisional Secretariat office. This is a praiseworthy step, as there are many instances where children drop out of school due to poverty and the inability to purchase school essentials. The school supplies list for grades 1 to 9 grows longer every year, along with a corresponding increase in the price. Many parents from poor and middle class backgrounds cannot afford to spend such a big amount of money upfront to buy school goods. This problem is compounded in families with two or more children of school going age. Thus this Rs.6,000 assistance will be of immense benefit to these families in today’s tight economy. Sri Lanka has received a grant of 11.28 million meters of blue and white fabric required for school uniform materials for 2025, from the People’s Republic of China. Robe materials for Samanera Bhikkus at Pirivenas will also be provided. This is highly welcome at a time when Sri Lanka is still recovering from the economic meltdown of 2022. However, in view of the high tailoring costs for both boys’ and girls’ school uniforms, the Government has also proposed that sewn or readymade uniforms should be granted to all schoolchildren. This too will save a significant amount of money for parents, especially those who have more than one child attending school. Textbooks too have been provided free of charge to school students since the early 1980s. This too eased the financial burden on parents who would otherwise have to spend heavily on the recommended textbooks. The Government should explore the possibility of using the Valachchenai paper plant to produce exercise books and other stationery, which can hopefully be sold at reduced rates. Likewise, it should make arrangements with manufacturers to bring down the prices of shoes and socks used by schoolchildren. All Governments have been heavily subsiding fossil fuel for transport at enormous cost – maybe it would have been more beneficial to subsidise educational items which could have made a bigger impact in the long run. Talking of transport, it is vital to widen the Sisu Seriya school bus service and also formulate a practical fare structure for school vans, whose operators have been jacking up monthly fees willy nilly every time fuel prices are increased. The same enthusiasm generally evaporates when fuel prices are reduced. Nevertheless, the best answer is to develop all schools on an equal footing, so that the children can attend the nearest school on foot or by bicycle, minimising the need for motorized transport. With textbooks and education in general increasingly taking the digital route, the Government should seriously consider removing or reducing import duties and Value Added Tax (VAT) on tablets and laptops. During the Covid period when schools went online, students who did not have enough funds to get tablets and smartphones went without lessons while the others received full access. That sort of disparity should be eliminated from schools. At least the senior students doing Science, Technology, Engineering and Mathematics (STEM) subjects should be provided with tablets or laptops on concessionary terms. In fact, Education Technology (ET) has evolved to become a standalone subject as old methods of teaching are discarded and new ones introduced. If given a choice between a static image and an animated clip to understand a lesson, students will be drawn towards the latter, which is easy to comprehend and remember. Whether we like it or not, Artificial Intelligence (AI) and Machine Learning (ML) are also coming to education. Granted, there are pitfalls of using AI for and in education, but the benefits seem to be greater, at least in these nascent days of the technology. In any case, AI needs humans to work and our education system should be able to produce citizens who can still thrive in the age of AI.
Blues supporters also sang the name of head coach Maresca during the closing stages of an emphatic success sealed by goals from Axel Disasi, Christopher Nkunku, Noni Madueke, Cole Palmer and substitute Jadon Sancho. Bottom club Southampton briefly levelled through Joe Aribo but were a man down from the 39th minute after captain Jack Stephens was sent off for pulling the hair of Marc Cucurella. Chelsea, who have endured an underwhelming period since Todd Boehly’s consortium bought the club in 2022, climbed above Arsenal and into second place on goal difference, seven points behind leaders Liverpool. “It was a very good feeling, especially because you can see that they are happy, that is our target,” Maresca said of the atmosphere in the away end. “We work every day to keep them happy and tonight was a very good feeling, especially the one that they can see that Chelsea’s back. This is an important thing.” Maresca rotated his squad in Hampshire, making seven changes following Sunday’s impressive 3-0 win over Aston Villa. Following a sloppy start, his side, who stretched their unbeaten run to six top-flight games, could easily have won by more as they hit the woodwork three times, in addition to squandering a host of chances. “I’m very happy with the five we scored,” said the Italian. “I’m not happy with the first 15, 20 minutes, where we struggled. The reason why we struggled is because we prepared the game to press them man to man and the first 15, 20 minutes we were not pressing them man to man. “After 15, 20 minutes we adjust that and the game was much better. For sure we could score more but five goals they are enough.” Southampton manager Russell Martin rued a costly “moment of madness” from skipper Stephens. The defender’s ridiculous red card was the headline mistake of a catalogue of errors from the beleaguered south-coast club as they slipped seven points from safety following an 11th defeat of a dismal season. “I don’t think anyone will be as disappointed as Jack,” Martin said of Stephens, who was sent off for the second time this term after tugging the curls of Cucurella as Saints prepared to take a corner. “I haven’t got to sit down and talk with him about that at all. He will be hurt more than anyone and it’s changed the game for us tonight, which is disappointing. “I think they have to describe it as violent conduct; it’s not violent really but there’s no other explanation for that really. It’s a moment of madness that’s really cost us and Jack.” Southampton repeatedly invited pressure with their risky attempts to play out from defence, with goalkeeper Joe Lumley gifting Chelsea their second goal, scored by Nkunku. While Saints were booed off at full-time, Martin, who was missing a host of key players due to injuries and suspensions, praised the effort of his depleted team. “When they see such a big scoreline and a couple of the goals we concede, I understand it (the jeers),” he said. “It’s football, it’s emotive, people feel so much about it, it’s why it’s such a special sport in this country and so big. “I understand it but I feel really proud of the players tonight, some of the football we played at 11 v 11 was amazing. “For an hour with 10 men we’ve dug in so deep, there were some big performances. I’m proud of them for that and I’m grateful for that because that’s not easy in that circumstance.”
Activating your credit card? Don’t skip the mobile wallet stepDNA Methylation Market Detailed in New Research Report By 2031 | 12-21-2024 06:33 PM CET | Health & Medicine Press release from: Coherent Market Insights DNA Methylation Market This report on the DNA Methylation market offers an comprehensive analysis of the current trends, market size, and projections up to 2031. Combining qualitative and quantitative insights, the report covers key trends, challenges, opportunities, market size, growth forecasts, and recent developments. It also evaluates government policies, market dynamics, cost structures, and the competitive landscape, while highlighting emerging advancements and future growth potential. The report further highlights year-over-year growth rates and calculates the Compound Annual Growth Rate (CAGR), offering insight into market performance and future projections. 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Holding a bachelor's degree in biotechnology, Priya has a knack for making the content engaging. Her diverse portfolio includes writing contents and documents across different industries, including food and beverages, information and technology, healthcare, chemical and materials, etc. Priya's meticulous attention to detail and commitment to excellence make her an invaluable asset in the world of content creation and refinement. ☎️ Contact Us: 533 Airport Boulevard, Suite 400, Burlingame, CA 94010, United States United States of America: +1-206-701-6702 United Kingdom: +44-020-8133-4027 Australia: +61-2-4786-0457 India: +91-848-285-0837 Email: sales@coherentmarketinsights.com ⏩ About Us: Coherent Market Insights is a global market intelligence and consulting organization that provides syndicated research reports, customized research reports, and consulting services. We are known for our actionable insights and authentic reports in various domains including aerospace and defense, agriculture, food and beverages, automotive, chemicals and materials, and virtually all domains and an exhaustive list of sub-domains under the sun. We create value for clients through our highly reliable and accurate reports. We are also committed in playing a leading role in offering insights in various sectors post-COVID-19 and continue to deliver measurable, sustainable results for our clients. This release was published on openPR.
The Power Purchase Adjustment Charges (PPAC) have been sharply reduced in Delhi which will provide a relief to the city's consumers who can expect lower electricity bills now, officials said on Friday (December 27, 2024). A statement of Delhi government said the PPAC was slashed drastically in a "new year bonanza", bringing down electricity bills for all consumers. "Delhi government has been able to reduce PPAC due to honest politics and robust demand supply chain management, said Chief Minister Atishi who also holds power department portfolio. Earlier, discom officials said that in September, PPAC of Tata Power Delhi Distribution Limited (TPDDL) was 37.88 per cent, BSES Yamuna Power Limited (BYPL) 37.75 per cent and BSES Rajdhani Power Limited (BRPL) 35.83 per cent. The revised PPAC in December is 20.52% for TPDDL, 13.63 per cent for BYPL and 18.19% for BRPL, they said. "This will lead to a significant cut in the monthly electricity bills of the consumers," an official stated. BJP's Delhi unit president Virendra Sachdeva said it was a victory of party workers as the BJP has been protesting against discoms and the AAP government for "looting" honest consumers in the name of PPAC. He said the charges have been reduced due to the BJP's protests and an intervention of LG V K Saxena. Atishi said if BJP is so keen on taking credit it should reduce power prices in 22 states governed by them. Citing Delhi Electricity Regulatory Commission (DERC) orders, Sachdeva told a press conference here that the "PPAC imposed by the three discoms has been reduced by more than 50%, and resultantly the consumer bills will be reduced by 20-25%". The PPAC is added to the electricity bill to compensate for any increase in the cost of power during procurement due to factors like rise in fuel prices, changes in policies among others. It is calculated as a per cent of the sum of the fixed charge and energy charge (units consumed) in power bills. The PPAC is levied under the Electricity Act, Rules and APTEL orders. The Central Electricity Regulatory Commission (CERC) allows central gencos like NTPC, NHPC and transcos to make full recovery of their costs on a monthly basis. On the other hand, Delhi discoms are allowed PPAC on a post-facto quarterly basis with the approval of the DERC. The PPAC is recovered to ensure a timely pass through of the adjustment cost charges to the consumer as any delay further burdens the consumer with interest cost, officials said. Also, without PPAC, discoms will have liquidity stress and won't have money to pay the generation companies, they added. This charge revision is a huge relief for power consumers of Delhi as the PPAC has been significantly reduced by the DERC, said East Delhi Resident Welfare Association Front president BS Vohra. The charges kept increasing continuously in the last few years burdening the middle class, he said expecting more reduction in charges. In case of BRPL and BYPL, the existing PPAC was applicable till December 20, 2024. In the current PPAC approved by an order, dated December 20, passed in case of BRPL and BYPL, the DERC has allowed only the recovery of costs for Q2 of FY 24-25. In case of TPDDL, the existing PPAC is applicable up to January 31, 2025. Its petition is pending before the DERC which may announce a fresh PPAC in coming weeks. The Delhi government said the PPAC was higher earlier as Delhi experienced an unprecedented peak in electricity demand due to severe summers. The discoms purchased electricity at prevalent market rates, leading to higher PPAC, it said. Additionally, in October 2023, The blending proportion of expensive imported coal was increased from four per cent to six percent, resulting in higher costs for generating companies, it said. The PPAC declined in winters in accordance with reduced demand and consumption of power and also because the blending proportion of imported coal was also reduced back to four per cent by mid-October 2024, it said. Published - December 28, 2024 03:20 am IST Copy link Email Facebook Twitter Telegram LinkedIn WhatsApp Reddit electricity production and distribution