Lots of brands are rolling out new and returning plant-based favorites ahead of Christmas 2024, which is now just over four weeks away. Here is the best vegan Christmas chocolate you need to know about for this year’s holiday season . Read more: Galaxy Launches Dairy-Free Chocolate Selection Box For many households, chocolate is a key and beloved part of the festive season. But the vast majority of chocolates traditionally associated with Christmas aren’t suitable for those on plant-based diets. The likes of Celebrations, Roses, Quality Street, and Toblerone all contain dairy, and they have yet to introduce vegan versions of their products. There are a number of brands, however, that do offer dairy-free Christmas chocolates. As well as all-vegan companies like Catherine’s Originals and Nomo , mainstream chocolate brands like Lindt also offer vegan Christmas chocolates for 2024. Here are our picks of the best. Lindt Lindor Truffles Lindt launched two vegan versions of its Lindor Truffles , “Oatmilk” and “Dark Oatmilk,” just in time for Christmas last year. The iconic truffles are available once again, though they are still only being sold in the US. Amazon also stocks an “Assorted Oatmilk” non-dairy selection featuring both vegan Lindor truffles in one box. (For UK and EU customers, Lindt does offer some vegan selection bundles on its website, which are available outside of the US.) Find out more here . Catherine’s Originals Celebrations-style vegan selection tin Catherine’s Originals launched its vegan chocolate selection tin back in July, thought to be the first of its kind in the UK. It includes 81 chocolates in nine flavors, including vegan options inspired by non-vegan selection boxes. These include coffee truffles, “honeycomb,” cookies and cream, orange and almond, pralines, coconut, and caramels. Founder Catherine Dodd started the company in 2021 when she was just 18. Dodd has said that she was inspired to create vegan holiday chocolates after missing out on the selection tins that are such a popular choice at Christmas, particularly in the UK and Ireland. Find out more here . Moo Free’s vegan milk and white chocolate ‘Crimbo Pud’ Moo Free has a selection of plant-based Christmas chocolates, including this “Chrimbo Choccy Pud” which features a milk chocolate base “iced” with white chocolate. They are dairy-free, gluten-free, soy-free, vegan, and made with Rainforest Alliance chocolate. Find out more here . Read more: ‘World’s First’ Oat Milk Cream Liqueur Cocktail Arrives In Supermarkets Nomo’s Christmas Reindeers Nomo has been making vegan chocolates for nearly 20 years, and its range is available at major UK supermarkets including Sainsbury’s, Asda, Tesco, and Ocado. This year, the company has introduced a mint chocolate version of its popular reindeer-shaped bar. Cookie dough flavor reindeer bars and a large, foil-covered reindeer bar are back once again. (Nomo also has a whole Christmas collection on its website, including an advent calendar, sharing boxes, mini bars, and bundles.) Find out more here . Chococo’s Festive Selection Box Another selection box, this new festive-themed option from Chococo includes a selection of 25 handcrafted chocolates. It features both dairy-free milk chocolate and dark chocolate, and flavors include Hazelnut Latte, Roasted Almond Cluster, and Glorious Ginger. Find out more here . Catherine’s Originals Toblerone-style ‘Obar’ Catherine’s Originals has also introduced the Toblerone-style “Obar,” a triangle-shaped chocolate bar featuring plant-based honey, almond pieces, dairy-free milk chocolate, and a “secret ingredient.” It’s currently available to preorder and will ship in early December. Find out more here . Read more: Vegan Brand Launches Bounty-Style Coconut Chocolate Bar
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Could Investing $10,000 in QuantumScape Make You a Millionaire?WASHINGTON D.C., DC — Unlike scores of people who scrambled for the blockbuster drugs Ozempic and Wegovy to lose weight in recent years, Danielle Griffin had no trouble getting them. The 38-year-old information technology worker from New Mexico had a prescription. Her pharmacy had the drugs in stock. And her health insurance covered all but $25 to $50 of the monthly cost. For Griffin, the hardest part of using the new drugs wasn’t access . It was finding out that the much-hyped medications didn’t really work for her. “I have been on Wegovy for a year and a half and have only lost 13 pounds,” said Griffin, who watches her diet, drinks plenty of water and exercises regularly. “I’ve done everything right with no success. It’s discouraging.” In clinical trials, most participants taking Wegovy or Mounjaro to treat obesity lost an average of 15% to 22% of their body weight — up to 50 pounds or more in many cases. But roughly 10% to 15% of patients in those trials were “nonresponders” who lost less than 5% of their body weight. Now that millions of people have used the drugs, several obesity experts told The Associated Press that perhaps 20% of patients — as many as 1 in 5 — may not respond well to the medications. It's a little-known consequence of the obesity drug boom, according to doctors who caution eager patients not to expect one-size-fits-all results. “It's all about explaining that different people have different responses,” said Dr. Fatima Cody Stanford, an obesity expert at Massachusetts General Hospital The drugs are known as GLP-1 receptor agonists because they mimic a hormone in the body known as glucagon-like peptide 1. Genetics, hormones and variability in how the brain regulates energy can all influence weight — and a person's response to the drugs, Stanford said. Medical conditions such as sleep apnea can prevent weight loss, as can certain common medications, such as antidepressants, steroids and contraceptives. “This is a disease that stems from the brain,” said Stanford. “The dysfunction may not be the same” from patient to patient. Despite such cautions, patients are often upset when they start getting the weekly injections but the numbers on the scale barely budge. “It can be devastating,” said Dr. Katherine Saunders, an obesity expert at Weill Cornell Medicine and co-founder of the obesity treatment company FlyteHealth. “With such high expectations, there’s so much room for disappointment.” That was the case for Griffin, who has battled obesity since childhood and hoped to shed 70 pounds using Wegovy. The drug helped reduce her appetite and lowered her risk of diabetes, but she saw little change in weight. “It’s an emotional roller coaster,” she said. “You want it to work like it does for everybody else.” The medications are typically prescribed along with eating behavior and lifestyle changes. It’s usually clear within weeks whether someone will respond to the drugs, said Dr. Jody Dushay, an endocrine specialist at Beth Israel Deaconess Medical Center. Weight loss typically begins right away and continues as the dosage increases. For some patients, that just doesn't happen. For others, side effects such as nausea, vomiting and diarrhea force them to halt the medications, Dushay said. In such situations, patients who were counting on the new drugs to pare pounds may think they’re out of options. “I tell them: It's not game over,” Dushay said. Trying a different version of the new class of drugs may help. Griffin, who didn't respond well to Wegovy, has started using Zepbound, which targets an additional hormone pathway in the body. After three months of using the drug, she has lost 7 pounds. “I'm hoping it's slow and steady,” she said. Other people respond well to older drugs, the experts said. Changing diet, exercise, sleep and stress habits can also have profound effects. Figuring out what works typically requires a doctor trained to treat obesity, Saunders noted. “Obesity is such a complex disease that really needs to be treated very comprehensively,” she said. “If what we’re prescribing doesn’t work, we always have a backup plan.” ___ The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Science and Educational Media Group. The AP is solely responsible for all content.
An estimated 18 million Americans are invested in cryptocurrency, according to the Federal Reserve. And the United States just elected a pro-crypto president. Cryptocurrencies such as Bitcoin have become a trendy digital asset. Supporters claim that crypto subverts capitalism because it bypasses traditional bankers. Crypto can offer quick riches along with an air of high-tech sophistication. Early adopters reaped enormous rewards, many becoming millionaires and billionaires. Currently, there are about 100,000 crypto millionaires. Cryptocurrency wealth, furthermore, has built Fairshake, the largest political lobbying group in the U.S. During the recent election, it helped elect 253 pro-crypto candidates. But is cryptocurrency a good ethical investment? As a business professor who studies technology and its consequences, I’ve identified three ethical harms associated with cryptocurrency that might give investors pause. The three harms The first harm is excessive energy use, most notably by Bitcoin, the first decentralized cryptocurrency. Bitcoins are created, or “mined,” by tens of thousands of computers in massive data centers, contributing significantly to carbon emissions and environmental degradation. Bitcoin mining, which represents the lion’s share of crypto energy consumption, uses as much as 0.9% of global demand for electricity – similar to the annual energy needs of Australia. Second, unregulated and anonymous crypto is the payment system of choice for criminals behind fraud, tax evasion, human trafficking and ransomware – the latter costing victims an estimated $1 billion in extorted cryptocurrency payments. Until about a decade ago, these bad actors generally moved and laundered money through cash and shell companies. But around 2015, many transitioned to cryptocurrency, a much less troublesome form of handling dirty money anonymously. A bank cannot hold or transfer money anonymously. By law, a bank is passively complicit in money laundering if it isn’t enforcing know-your-customer measures to restrict bad actors, such as money launderers. In the case of a crypto coin, however, legal and ethical accountability cannot be transferred to a bank – there is no bank. So, who is complicit? Anyone in the crypto ecosystem may be viewed as ethically complicit in enabling illicit activities. I believe these first two harms are the most ethically troublesome. The first one harms the Earth and the second undermines global systems of trust – the interplay of institutions that underpin economic activity and social order. Cryptocurrency’s third problem is its predatory culture. A predatory system, especially without regulatory oversight, takes advantage of small investors. And some cryptos have enriched their founders while taking advantage of investors’ lack of knowledge about the virtual currency. Some cryptocurrencies, especially the smaller coins and initial coin offerings, have characteristics of Ponzi schemes. The now defunct Bitconnect, for example, promised large profits to investors who exchanged their Bitcoins for Bitconnect tokens. New investor money paid out “profits” to the first layer of investors with money from later investors. Ultimately, Satish Kumbhani, the Bitconnect founder, was indicted by a federal grand jury, and as of 2024 his whereabouts are unknown. Pernicious myth Besides cryptocurrency’s ethical harms, a pernicious myth surrounds the digital coin. It is the myth of inclusion, that cryptocurrency has the power to benefit society’s disadvantaged, especially the unbanked. The global poor who don’t have bank accounts, and who could use cryptocurrency for international money transfers to family back home, do not necessarily benefit from crypto’s advantages. That’s because of the need to pay fees when converting and transferring, say, dollars to crypto and then from crypto to the local currency of the person receiving the money transfer. In reality, the distribution of crypto assets is highly concentrated among the wealthy. A 2021 study found that just 0.01% of Bitcoin holders control 27% of its value. Democratizing finance is often framed as a movement to break the dominance of traditional financial institutions – private banks and government central banks. However, this narrative has not played out. Instead, a new elite has emerged: cryptocurrency’s creators, early backers and maintainers, who tweak the crypto’s software code and influence its future direction. This group holds disproportionate control, including over the crypto coin’s governance. All of this replicates the concentration of power that crypto was meant to dismantle. A bit more ethical? To be fair, the crypto community hasn’t ignored the criticism, including calls for more environmental awareness. In early 2021, members of the community founded the Crypto Climate Accord. The group enlisted some 250 crypto firms to reduce environmental harm. The following year, Ethereum, with its Ether coin, took the most significant step. It reduced its energy consumption by over 99% by migrating to a coin mining mechanism called “proof-of-stake,” which doesn’t require miners to solve complex, energy-guzzling puzzles to validate transactions. This was a brave move. However, Bitcoin, the largest cryptocurrency, hasn’t followed Ethereum’s lead. Bitcoin stands out because its energy consumption surpasses any other crypto coin. To address cryptocurrency’s other harms, some regulatory bodies began controlling the crypto market in 2023. The European Union, United Kingdom and United States began attempting to curb illegal activities and protect investors. In January 2024, U.S. regulators permitted exchange-traded funds, which are popular investment funds, to invest in crypto. This move was meant to help small investors trade in a safer marketplace. But normalizing crypto trading can create perverse ethical repercussions. For example, the most successful 2023 “ethical” fund, Nikko Ark Positive Change Innovation Fund, prospered with a 68% return because it made a bet on crypto. Its manager rationalized this investment by repeating the myth that cryptocurrency allows “provision of financial services to the underbanked.” Where does all this leave the ethical investor? Investors, I believe, have two clear ethical choices on cryptocurrency: They can divest from Bitcoin or, at the very least, invest in other cryptocurrencies that minimize harms, especially harms that jeopardize the environment. But even so-called ethical investments come with hidden ethical issues. Many ethical investors invest in so-called ESG funds that stress social or environmental impact. Some of these ESG funds may avoid shares in petroleum companies while investing directly or indirectly in crypto. This doesn’t seem ethically consistent. While cryptocurrency offers exciting opportunities and the potential for high returns, its environmental impact, association with illegal activities and predatory nature all present significant ethical challenges. Erran Carmel is Professor of Business, American University Kogod School of Business. The Conversation is an independent and nonprofit source of news, analysis and commentary from academic experts.
By MARK KENNEDY, Associated Press NEW YORK (AP) — Chuck Woolery, the affable, smooth-talking game show host of “Wheel of Fortune,” “Love Connection” and “Scrabble” who later became a right-wing podcaster, skewering liberals and accusing the government of lying about COVID-19, has died. He was 83. Mark Young, Woolery’s podcast co-host and friend, said in an email early Sunday that Woolery died at his home in Texas with his wife, Kristen, present. “Chuck was a dear friend and brother and a tremendous man of faith, life will not be the same without him,” Young wrote. Woolery, with his matinee idol looks, coiffed hair and ease with witty banter, was inducted into the American TV Game Show Hall of Fame in 2007 and earned a daytime Emmy nomination in 1978. In 1983, Woolery began an 11-year run as host of TV’s “Love Connection,” for which he coined the phrase, “We’ll be back in two minutes and two seconds,” a two-fingered signature dubbed the “2 and 2.” In 1984, he hosted TV’s “Scrabble,” simultaneously hosting two game shows on TV until 1990. “Love Connection,” which aired long before the dawn of dating apps, had a premise that featured either a single man or single woman who would watch audition tapes of three potential mates and then pick one for a date. A couple of weeks after the date, the guest would sit with Woolery in front of a studio audience and tell everybody about the date. The audience would vote on the three contestants, and if the audience agreed with the guest’s choice, “Love Connection” would offer to pay for a second date. Woolery told The Philadelphia Inquirer in 2003 that his favorite set of lovebirds was a man aged 91 and a woman aged 87. “She had so much eye makeup on, she looked like a stolen Corvette. He was so old he said, ‘I remember wagon trains.’ The poor guy. She took him on a balloon ride.” Other career highlights included hosting the shows “Lingo,” “Greed” and “The Chuck Woolery Show,” as well as hosting the short-lived syndicated revival of “The Dating Game” from 1998 to 2000 and an ill-fated 1991 talk show. In 1992, he played himself in two episodes of TV’s “Melrose Place.” Woolery became the subject of the Game Show Network’s first attempt at a reality show, “Chuck Woolery: Naturally Stoned,” which premiered in 2003. It shared the title of the pop song in 1968 by Woolery and his rock group, the Avant-Garde. It lasted six episode and was panned by critics. Woolery began his TV career at a show that has become a mainstay. Although most associated with Pat Sajak and Vanna White, “Wheel of Fortune” debuted Jan. 6, 1975, on NBC with Woolery welcoming contestants and the audience. Woolery, then 33, was trying to make it in Nashville as a singer. “Wheel of Fortune” started life as “Shopper’s Bazaar,” incorporating Hangman-style puzzles and a roulette wheel. After Woolery appeared on “The Merv Griffin Show” singing “Delta Dawn,” Merv Griffin asked him to host the new show with Susan Stafford. “I had an interview that stretched to 15, 20 minutes,” Woolery told The New York Times in 2003. “After the show, when Merv asked if I wanted to do a game show, I thought, ‘Great, a guy with a bad jacket and an equally bad mustache who doesn’t care what you have to say — that’s the guy I want to be.’” NBC initially passed, but they retooled it as “Wheel of Fortune” and got the green light. After a few years, Woolery demanded a raise to $500,000 a year, or what host Peter Marshall was making on “Hollywood Squares.” Griffin balked and replaced Woolery with weather reporter Pat Sajak. “Both Chuck and Susie did a fine job, and ‘Wheel’ did well enough on NBC, although it never approached the kind of ratings success that ‘Jeopardy!’ achieved in its heyday,” Griffin said in “Merv: Making the Good Life Last,” an autobiography from the 2000s co-written by David Bender. Woolery earned an Emmy nod as host. Born in Ashland, Kentucky, Woolery served in the U.S. Navy before attending college. He played double bass in a folk trio, then formed the psychedelic rock duo The Avant-Garde in 1967 while working as a truck driver to support himself as a musician. The Avant-Garde, which tourbed in a refitted Cadillac hearse, had the Top 40 hit “Naturally Stoned,” with Woolery singing, “When I put my mind on you alone/I can get a good sensation/Feel like I’m naturally stoned.” After The Avant-Garde broke up, Woolery released his debut solo single “I’ve Been Wrong” in 1969 and several more singles with Columbia before transitioning to country music by the 1970s. He released two solo singles, “Forgive My Heart” and “Love Me, Love Me.” Woolery wrote or co-wrote songs for himself and everyone from Pat Boone to Tammy Wynette. On Wynette’s 1971 album “We Sure Can Love Each Other,” Woolery wrote “The Joys of Being a Woman” with lyrics including “See our baby on the swing/Hear her laugh, hear her scream.” After his TV career ended, Woolery went into podcasting. In an interview with The New York Times, he called himself a gun-rights activist and described himself as a conservative libertarian and constitutionalist. He said he hadn’t revealed his politics in liberal Hollywood for fear of retribution. He teamed up with Mark Young in 2014 for the podcast “Blunt Force Truth” and soon became a full supporter of Donald Trump while arguing minorities don’t need civil rights and causing a firestorm by tweeting an antisemitic comment linking Soviet Communists to Judaism. “President Obama’s popularity is a fantasy only held by him and his dwindling legion of juice-box-drinking, anxiety-dog-hugging, safe-space-hiding snowflakes,” he said. Woolery also was active online, retweeting articles from Conservative Brief, insisting Democrats were trying to install a system of Marxism and spreading headlines such as “Impeach him! Devastating photo of Joe Biden leaks.” During the early stages of the pandemic, Woolery initially accused medical professionals and Democrats of lying about the virus in an effort to hurt the economy and Trump’s chances for reelection to the presidency. “The most outrageous lies are the ones about COVID-19. Everyone is lying. The CDC, media, Democrats, our doctors, not all but most, that we are told to trust. I think it’s all about the election and keeping the economy from coming back, which is about the election. I’m sick of it,” Woolery wrote in July 2020. Trump retweeted that post to his 83 million followers. By the end of the month, nearly 4.5 million Americans had been infected with COVID-19 and more than 150,000 had died. Just days later, Woolery changed his stance, announcing his son had contracted COVID-19. “To further clarify and add perspective, COVID-19 is real and it is here. My son tested positive for the virus, and I feel for of those suffering and especially for those who have lost loved ones,” Woolery posted before his account was deleted. Woolery later explained on his podcast that he never called COVID-19 “a hoax” or said “it’s not real,” just that “we’ve been lied to.” Woolery also said it was “an honor to have your president retweet what your thoughts are and think it’s important enough to do that.” In addition to his wife, Woolery is survived by his sons Michael and Sean and his daughter Melissa, Young said. Boston.com Today Sign up to receive the latest headlines in your inbox each morning. Be civil. Be kind.Chaikin scores 21 off the bench, Lafayette knocks off NCAA Div. III-Rosemont 91-45
Opposition-led protests costing Pakistan Rs 190bln daily, claims FinMinVictory Capital Management Inc. trimmed its holdings in Radian Group Inc. ( NYSE:RDN – Free Report ) by 13.2% in the 3rd quarter, according to its most recent disclosure with the Securities & Exchange Commission. The institutional investor owned 83,099 shares of the insurance provider’s stock after selling 12,640 shares during the period. Victory Capital Management Inc.’s holdings in Radian Group were worth $2,883,000 as of its most recent SEC filing. Several other large investors also recently added to or reduced their stakes in RDN. V Square Quantitative Management LLC bought a new stake in Radian Group in the third quarter worth approximately $27,000. Fifth Third Bancorp boosted its holdings in shares of Radian Group by 859.3% during the 2nd quarter. Fifth Third Bancorp now owns 1,295 shares of the insurance provider’s stock worth $40,000 after buying an additional 1,160 shares during the period. CWM LLC boosted its holdings in shares of Radian Group by 539.9% during the 2nd quarter. CWM LLC now owns 1,990 shares of the insurance provider’s stock worth $62,000 after buying an additional 1,679 shares during the period. Hexagon Capital Partners LLC boosted its holdings in shares of Radian Group by 37.0% during the 2nd quarter. Hexagon Capital Partners LLC now owns 2,261 shares of the insurance provider’s stock worth $70,000 after buying an additional 611 shares during the period. Finally, Blue Trust Inc. boosted its holdings in shares of Radian Group by 352.4% during the 3rd quarter. Blue Trust Inc. now owns 2,502 shares of the insurance provider’s stock worth $87,000 after buying an additional 1,949 shares during the period. 95.33% of the stock is owned by institutional investors. Analyst Upgrades and Downgrades Several analysts recently issued reports on the stock. Barclays upped their price objective on shares of Radian Group from $32.00 to $33.00 and gave the stock an “equal weight” rating in a report on Tuesday, October 8th. Roth Mkm upped their price objective on shares of Radian Group from $35.00 to $40.00 and gave the stock a “buy” rating in a report on Friday, August 2nd. Keefe, Bruyette & Woods upped their price objective on shares of Radian Group from $36.00 to $39.00 and gave the stock an “outperform” rating in a report on Monday, August 5th. Finally, Royal Bank of Canada increased their price target on shares of Radian Group from $32.00 to $37.00 and gave the company a “sector perform” rating in a report on Friday, August 2nd. Three equities research analysts have rated the stock with a hold rating and two have assigned a buy rating to the company. According to MarketBeat, the stock currently has an average rating of “Hold” and an average price target of $36.10. Radian Group Price Performance Shares of Radian Group stock opened at $34.96 on Friday. The company has a debt-to-equity ratio of 0.42, a current ratio of 2.01 and a quick ratio of 2.01. Radian Group Inc. has a fifty-two week low of $24.92 and a fifty-two week high of $37.86. The firm has a fifty day moving average price of $34.44 and a two-hundred day moving average price of $33.53. The company has a market cap of $5.21 billion, a PE ratio of 9.06, a price-to-earnings-growth ratio of 1.70 and a beta of 1.04. Radian Group ( NYSE:RDN – Get Free Report ) last issued its quarterly earnings results on Wednesday, November 6th. The insurance provider reported $1.03 earnings per share for the quarter, beating analysts’ consensus estimates of $0.88 by $0.15. Radian Group had a net margin of 45.96% and a return on equity of 13.81%. The firm had revenue of $319.05 million during the quarter, compared to the consensus estimate of $320.30 million. Analysts expect that Radian Group Inc. will post 4 EPS for the current year. Radian Group Announces Dividend The firm also recently disclosed a quarterly dividend, which will be paid on Tuesday, December 10th. Stockholders of record on Monday, November 25th will be paid a $0.245 dividend. This represents a $0.98 dividend on an annualized basis and a dividend yield of 2.80%. The ex-dividend date of this dividend is Monday, November 25th. Radian Group’s dividend payout ratio is 25.39%. Insider Activity In other news, COO Mary Dickerson sold 19,511 shares of the stock in a transaction on Wednesday, August 28th. The shares were sold at an average price of $35.93, for a total value of $701,030.23. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this link . Also, CAO Robert Quigley sold 7,500 shares of the stock in a transaction on Tuesday, August 27th. The shares were sold at an average price of $35.65, for a total transaction of $267,375.00. Following the completion of the transaction, the chief accounting officer now owns 48,392 shares of the company’s stock, valued at approximately $1,725,174.80. This represents a 13.42 % decrease in their position. The disclosure for this sale can be found here . In the last 90 days, insiders sold 115,955 shares of company stock worth $4,130,140. 2.16% of the stock is currently owned by corporate insiders. Radian Group Profile ( Free Report ) Radian Group Inc, together with its subsidiaries, engages in the mortgage and real estate services business in the United States. It operates through two segments, Mortgage Insurance and Homegenius segments. The Mortgage Insurance segment aggregates, manages, and distributes U.S. mortgage credit risk for mortgage lending institutions and mortgage credit investors, through private mortgage insurance on residential first-lien mortgage loans; and other credit risk management solutions, including contract underwriting. Recommended Stories Want to see what other hedge funds are holding RDN? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Radian Group Inc. ( NYSE:RDN – Free Report ). Receive News & Ratings for Radian Group Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Radian Group and related companies with MarketBeat.com's FREE daily email newsletter .
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