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I know you miss those campaign commercials on TV. They always said such nice things about their opponents. I know you miss getting those political flyers in the mail every day. They, too, always said such nice things about their opponents. Okay, I don’t miss it. And I don’t miss the all the predictions of doom and gloom over the outcome of the presidential election. You know, what if Donald Trump wins? Can our country stand four more years of his presidency? But what if Kamala Harris wins? Will we be a complete socialist country by the end of her term? Well, President Trump won, so we’ll find out if our country will survive four more years with him being in the White House. I don’t it will be the total disaster that many in the opposition are predicting. But I also don’t think, despite what many would like to believe, that all of the many problems our country is facing will be solved by Donald Trump relocating back to 1600 Pennsylvania Avenue. Donald Trump won, so now that “what if” is now going to be a reality. There is one thing true about all things that are “what if.” Simply, they haven’t happened yet, and they might not happen at all. But we don’t know, and that often scares us. “What if’s” are fueled by fear, and fear loves to fill in the gaps when we don’t know. So, the “what if” might not happen. But it could. What do we do then? Maybe our response should be like that of three young Hebrew men many years ago. You probably heard their story back in Sunday School as a child. The three young men, Shadrach, Meshach and Abed-nego, would not bow and worship the gold image that King Nebuchadnezzar had set up. They would only worship their God. The king was furious and demanded that they be thrown into the fiery furnace. But the three Hebrew men’s response to the king showed their faith in a real “what if” situation. They responded, “King Nebuchadnezzar, we do not need to defend ourselves before you in this matter. If we are thrown into the blazing furnace, the God we serve is able to deliver us from it, and he will deliver us from your Majesty’s hand. But even if he does not, we want you to know, Your Majesty, that we will not serve your gods or worship the image of gold you have set up.” (Daniel 3:16-18) And they were thrown into the blazing furnace. But they didn’t get cremated. They didn’t get burned at all. Even their clothes didn’t smell like smoke. God had delivered them, and even the king recognized it, and gave honor to God. Back to their response to the king. The young Hebrews believed God would deliver them. But what if God chose not to do so? Their response was that they would still honor God no matter what. Their “what if” had become an “even if.” What if some of the fears now being promoted in some of the media actually come to pass over the next months and years? The truth is that there will be some difficult days ahead, no matter who is the president. How will you and I respond? But more importantly, how will we respond to the “what ifs” that we may face in our personal lives? What if we face sickness and bad health? What if our finances take a hit? What if a family crisis happens? Will we respond in fear, or will we respond in faith? Like the three young men in Babylon, our response can honor God. Even in the midst of uncertain times, our “what if” fears can become “even if” faith. Mac McPhail, raised in Sampson County, lives in Clinton. McPhail’s book, “Wandering Thoughts from a Wondering Mind,” a collection of his favorite columns, is available for purchase online on Amazon, or by contacting McPhail at rvlfm@intrstar.net.
It has been a banner year for the London stock exchange in some ways. The hit an all-time high, for example. But a mood of gloom pervades much of the City. The UK is struggling to attract or even hang onto some companies that think they could get higher valuations in other markets. That is reflected in valuations and, in some cases, dividend yields too. I reckon that actually offers a great opportunity for smart investors to take a thanks to the relatively cheap valuations of some FTSE 100 shares. How to build wealth over the long run in the stock market When it comes to building wealth through share ownership, there are basically two potential drivers. One is for shares to go up in price so that they can be sold for more than was originally paid for them. That price difference only matters when the shares are sold. So while holding them, an investor may have a paper loss or paper gain but that is all it is. The second method of wealth creation is through receiving dividends. Why low share prices can be good not bad news It might seem that a falling share price is bad news. But the price is just an indication of what an investor would pay to buy that share, or receive if they sell it. So I reckon a falling share price can be news if an investor has no plans to sell that share and the investment case is unchanged. It can offer an opportunity to buy more shares than previously with the same amount of money. Plus, dividend yields are a product of dividend per share and share price. If an investor buys a share for £1 with a 5p dividend, they will earn a 5% yield. But if that share halves in price and the dividend is maintained (something that is never guaranteed), the yield on offer to buyers becomes 10%, not 5%! Looking for bargains in the blue-chip index That brings me to the again. One share I own and have bought more of in the past week is ( ). Even at its current price, the JD Sports dividend yield of 1% does not excite me – there are far higher yields available from proven FTSE 100 firms. What excite me, however, is the valuation. I think it is far below what JD Sports could be worth in future. The retailer’s share has fallen 41% this year and trades for pennies. I think that reflects risks like weaker consumer spending hurting sales growth and profit margins. Several profit warnings this year have gone down like a lead bomb in the City. But JD Sports has a very strong brand, extensive international shop network, and large base of regular customers. Sales continue to grow. It is spending lots of growing its shop estate further – money that if it wanted to, it could just keep as current profit rather than trying to grow future profitability. What about the ? A market capitalisation of under £5bn looks like a potential bargain to me for a FTSE 100 company that – even after a profit warning last month – still expects full-year profit before tax and adjusting items to be at least £955m., /PRNewswire/ -- Health In Tech, an Insurtech platform company backed by third-party AI technology, today announced the closing of its initial public offering of 2,300,000 shares of its Class A common stock at a public offering price of per share, for gross proceeds of , before deducting underwriting discounts, commissions, and estimated offering expenses. The Company has granted the underwriter an option, exercisable within 30 days from the date of the final prospectus, to purchase an additional 345,000 shares of Class A common stock from Health In Tech at the initial public offering price, less underwriting discounts and commissions. Assuming such option is fully exercised, the Company may raise a total of approximately in gross proceeds from the Offering Health In Tech intends to use the net proceeds from the offering for system enhancements, expansion of service offerings, sales and distribution channels, talent development and retention, working capital, and other general corporate purposes. American Trust Investment Services, Inc. acted as the sole book-running manager for the offering. A registration statement on Form S-1 (File No. 333-281853) relating to the shares was filed with the Securities and Exchange Commission and became effective on . This offering was made only by means of a prospectus, forming part of the effective registration statement. A copy of the prospectus relating to the offering can be obtained when available, by contacting American Trust Investment Services, Inc., 230 W. , Suite 300, 60606, or via E-Mail at This press release shall not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of any securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. Health in Tech ("HIT") is an Insurtech platform company backed by third-party AI technology. We offer a dynamic marketplace designed to create customized healthcare plan solutions while streamlining processes through vertical integration, process simplification, and automation. By eliminating friction and complexities, HIT enhances value propositions for employers and optimizes underwriting, sales, and service workflows for Managing General Underwriters (MGUs), insurance carriers, licensed brokers, and Third-Party Administrators (TPAs). Learn more at . Certain statements in this press release are forward-looking statements for purposes of the safe harbor provisions under the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may include estimates or expectations about Health In Tech's possible or assumed operational results, financial condition, business strategies and plans, market opportunities, competitive position, industry environment, and potential growth opportunities. In some cases, forward-looking statements can be identified by terms such as "may," "will," "should," "design," "target," "aim," "hope," "expect," "could," "intend," "plan," "anticipate," "estimate," "believe," "continue," "predict," "project," "potential," "goal," or other words that convey the uncertainty of future events or outcomes. These statements relate to future events or to Health In Tech's future financial performance, and involve known and unknown risks, uncertainties and other factors that may cause Health In Tech's actual results, levels of activity, performance, or achievements to be different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements because they involve known and unknown risks, uncertainties and other factors which are, in some cases, beyond Health In Tech's control and which could, and likely will, affect actual results, levels of activity, performance or achievements. Any forward-looking statement reflects Health In Tech's current views with respect to future events and is subject to these and other risks, uncertainties and assumptions relating to Health In Tech's operations, results of operations, growth strategy and liquidity. Investor Relations: View original content to download multimedia: SOURCE Health In Tech
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