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Original MLS clubs LA Galaxy, NY Red Bulls cap their amazing turnarounds with showdown for MLS CupOne of the key factors contributing to the sharp increase in the Golden Dragon Index is the unwavering confidence of foreign investors in Chinese assets. Despite geopolitical tensions and regulatory challenges, foreign institutions and fund managers continue to show a keen interest in investing in China, attracted by the country's vast market potential, technological capabilities, and resilient economic fundamentals.
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Anyone who has shopped for groceries with a toddler knows to be on high alert for the impulse items the store has thoughtfully placed at a child’s eye height. And these days, grown-ups investing using web platforms or mobile investment apps must also be on high alert for carefully placed virtual nudges that might encourage impulsive trades . A growing body of research has found that many seemingly innocuous design decisions embedded in investment apps or websites — such as replacing checkboxes with swipes or highlighting lists of stocks that have had the biggest price moves — can encourage investors to trade more. That can generate profits for the brokerage, but research has long shown that it can also reduce investors’ long-term returns. Even in an era of zero trading commissions, brokers benefit from trading volume. They might receive a commission for directing your order to a particular market maker , for instance. Or they might simply want to keep you engaged so they can entice you into more-expensive or fee-generating products and services. Subscribe to Kiplinger’s Personal Finance Be a smarter, better informed investor. Sign up for Kiplinger’s Free E-Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail. Profit and prosper with the best of expert advice - straight to your e-mail. Brokerages are in a bind: On the one hand, they want to make their sites as engaging, easy to use and profitable as possible. But they also need to retain their customers’ trust. And regulators are watching as investing moves increasingly online. “Securities regulators have been focused on digital engagement practices to ensure that these technological advances incorporate adequate investor protections,” says Amanda Senn , director of the Alabama Securities Commission. “They should not be allowed to encourage poor investment practices or incorporate manipulative tactics.” In January 2024, for example, Robinhood Markets settled charges by the Massachusetts Securities Division and agreed to eliminate from its app game-like features such as digital confetti that celebrated trades. Although Robinhood did not admit or deny any wrongdoing (and it had removed the confetti back in 2021), as part of the Massachusetts settlement, the firm also agreed to stop sending out emoji-laced e-mail messages about the day’s “top movers,” which the state agency argued prompted recipients to make impulsive trades. (Robinhood did not respond to requests for comment for this article.) Brokerages have tamped down on most of the game-like features, regulators say. Still, worrisome “dark patterns” — the term for design choices that users may not realize are steering them to take certain actions — remain. Dark patterns are typically made up of two kinds of design choices: “nudges,” which encourage users toward some action, and “sludge,” which makes it more difficult to take an action. Experts who’ve studied online investment platform designs recommend that investors watch for characteristics that might influence how they make investing decisions — especially those that might negatively affect their portfolio. Here are some of the things to look for: Does the platform create a sense of urgency? On many brokerage websites and apps, among the first things investors see are the one-day returns of their portfolios, news headlines or lists of “biggest movers” or “most traded” stocks. Brokerages say their research indicates that’s what clients want. “On any given day, who’s logging into the app? It’s active traders, who tend to want to know, ‘How am I doing today? What’s driving the performance of the market and my account?’” explains Jon Nelson , director of digital trading experience at Charles Schwab. He adds that the Schwab site also typically displays longer-term results next to one-day returns. But James Tierney , an assistant professor at Chicago Kent College of Law and former attorney for the SEC, says that by highlighting short-term news and returns, brokerages “are pushing the idea that there are short-term swings in prices that are potentially tradeable and profitable. This gives rise to the false belief that by trading you can capture those gains.... And there is a ton of academic research showing the more you trade, the worse you do.” Many online brokerages enable clients to personalize landing pages, so you can reduce the short-term distractions. But news headlines are everywhere. Benjamin Schiffrin , director of securities policy for Better Markets, a nonprofit focused on investor protection, suggests a self-imposed waiting period before making portfolio decisions based on headlines or short-term price swings. Does the platform make it too easy to trade? Of course, investors want their brokerage platforms to be easy to use. But investors should be wary if the website or app makes things too easy. Schiffrin, for example, is worried about platforms’ expansion of trading hours late into the night. That makes trading easier for those whose day jobs don’t allow for time on brokerage apps. But, he says, “people are more apt to act impulsively in the middle of the night.” And in a January 2024 report, the Ontario Securities Commission said it was concerned about U.S. and Canadian investing websites and apps that enabled “one-click trading,” rather than the more typical practice of requiring a second step to confirm orders. The commission said it was also monitoring apps and sites that made it easy for unsophisticated investors to start trading options. And it alerted investors to notice mobile apps that enable trade confirmations with a swipe. A recent experiment found that users made larger investments when they could execute trades using swipes instead of clicking on boxes. The commission said that investors are better served when platforms inject a little extra “friction into processes where it is known that users are making fast decisions — for example, placing a trade — to help prompt vigilance and thoughtfulness in decision-making.” Investors can think of such friction as “good sludge.” Interactive Brokers’ basic web trading platform is one of the services that enables one-click trading. And Interactive, like many other brokerages, also promotes after-hours trading. Steve Sanders , the company’s executive vice president of marketing and product development, notes that these options are permitted by law, and users like them. Interactive also uses good sludge to slow down certain trades. For example, it requires a confirmation screen for those placing market orders, which are orders to buy or sell a stock at the market price when the order is executed, no matter what that price is. Interactive uses the extra step to nudge customers to use a limit order, which specifies the most a buyer is willing to pay for the shares, or the least a seller is willing to accept, which prevents investors from being victimized by sudden price movements, Sanders says. Does the platform make trading too much fun? To keep customers engaged, investing platforms have experimented with design tweaks, including social media-like features such as emojis and indicators of popularity, or using vibrant colors — such as green, which traditionally denotes gains. “At best, these practices encourage motivation and engagement,” says Tierney, the former SEC lawyer. But there can be too much of a good thing. The more a brokerage app looks and feels like a gambling or gaming site, the warier investors should be, he says. Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here . Related content Investment Gamification: Not All Cons, Some Important Pros Best Online Brokers and Trading Platforms Who Are the Best Small Online Brokers?
To say goodbye to 2024, we’re going to need something stronger than champagne. San Francisco-based bartender Lauren Fitzgerald has supplied VegNews with plenty of cocktails (and mocktails) over the years, so in lieu of shots, we’re going to mix up a few of her recipes for a smooth and tasty finish to this year. Her creations range from sophisticated to alcohol-free to pretty darn strong. Jump to the recipes Vegan bar cart essentials In 2025, we resolve to drink more at home. Let us explain. We know we’re going to partake in the occasional margarita at our favorite local Mexican restaurant, but we’re saving $15 (at least) by enjoying a few libations in the comfort of our home. If you resolve to drink more at home as well, it’s time to stock up the bar cart. Natalie Williams RELATED: 12 Vegan Chef-Created Holiday Drink Recipes At the very least, you’ll need a few go-to liquors (or zero-proof liquors like Ritual or Seedlip). Whiskey, vodka, rum, and gin are some of the most commonly used spirits. Layer on flavor with a bottle of simple syrup (a flavored simple syrup like watermelon or strawberry is a bonus), lemon and lime juice, and club soda for a bubbly effect. Finally, a cocktail isn’t complete without the appropriate garnish. Salt, limes, dried orange peel, and high-quality maraschino cherries add the perfect finishing touch. Your bar cart will expand and evolve over time, depending on which cocktails (or mocktails) you gravitate to most. Those who love whiskey sours should add aquafaba to the list, or perhaps margarita mix for a quick libation. May the recipes below inspire you and lead to a very happy new year. Vegan cocktails for New Year’s Eve Raise your extra-large martini/margarita/moscow mule glass, here are 10 fantastic vegan cocktails to help you say adios to another year. Natalie Williams 1 Blood Orange Ginseng Margarita ‘Tis the season for blood oranges. Take advantage of this citrus by coupling it with lime juice, simple syrup, and a generous pour of your favorite tequila. The addition of ginseng adds a pleasant, earthy flavor to an otherwise tropical drink. Get the recipe Natalie Williams 2 Grasshopper Christmas may be over, but the craving for peppermint lives on. This luscious, chocolate minty beverage doubles as dessert—especially if you rim your glass with chocolate shavings. Alternatively, you could spike a vegan chocolate mint milkshake with a heavy pour of Baileys Almande and serve it in a martini glass. You do you. Get the recipe Natalie Williams 3 Time After Time This spiced whiskey libation will warm you right up on a chilly New Year’s Eve. The ingredients do require a well-stocked bar cart, but if you have to purchase these unique items, just think of it as equipping yourself for the new year. You’ll likely go through a few of these drinks the night of December 31, and there’s no doubt you’ll want to make it all winter long. Get the recipe Natalie Williams 4 Pineapple Caipirinha Find your island with this sweet, pineapple-forward cocktail. It’s straightforward candied pineapple, a bit of lime, and an adequate pour of silver cachaça. That’s it, and it’s delicious. We’ll have a few of these, thank you! Get the recipe Natalie Wiliams 5 Square Root It’s not just the alcohol that gives this citrusy drink a kick—ginger syrup packs a punch and the sparkling wine provides an unexpected note of effervescence. It’s sophisticated yet tasty—the ultimate pinky out, “treat yo’self” cocktail. Get the recipe Natalie Williams 6 Alameda Buck ‘n’ Breck This pretty orange cocktail is for the wine lovers who enjoy a bit of bubbly. Made with sparkling wine, pear brandy, and a bit of simple syrup, this pleasantly sweet drink guilds the lily with its sugar-rimmed finishing touch. One sip and you’ll feel 2024 melt away. Get the recipe Natalie Williams 7 Whiskey River Add a kick to your champagne (or sparkling wine) by adding a shot of bourbon. The burn is mellowed out with a splash of pineapple syrup making for a sippable yet strong drink. Get the recipe Natalie Williams 8 Kir Royale Don’t want to fuss with a ton of ingredients or a cocktail shaker? This is your drink. Instructions: pour half an ounce of creme de cassis (a sweet, blackcurrant liqueur) into six ounces of champagne or sparkling wine. Drink. Cheers to simplicity. Get the recipe Natalie William s 9 Pomegranate Margarita (non-alcoholic) Start dry January early with this wonderfully balanced mocktail. It’s got a tartness to it thanks to the lime and pomegranate juice, but the orange syrup prevents an unpleasant pucker. Not ready to give up alcohol? Add an ounce or two of tequila. Get the recipe Natalie Williams 10 Hibiscus-Ginger Punch (non-alcoholic) This is one punch recipe you don’t have to be wary of drinking too much of. It’s floral, fruity, and goes down easy. Like the mocktail margarita above, you can certainly spike it, just be aware of how many glasses you have. As much as we want to kiss the year goodbye, we also want to remember how we rang in the new year. Get the recipe DON'T MISS OUT : Get breaking news, recipes, and our weekly vegan deal by signing up for our FREE VegNewsletter 13 Delicious Vegan Appetizers for Your New Year’s Party 19 Vegan-Friendly Cocktail Bars and Breweries 10 Zero-ABV Brands to Help You Ditch the Booze JUMP TO ... Latest News | Recipes | Guides | Health | Subscribe Tanya Flink is a Digital Editor at VegNews as well as a writer and runner living in Orange County, CA.Beijing experienced chilly temperatures throughout the day today, with a high of only 6°C. As the day progresses, it is important to be mindful of staying warm and dressing appropriately to combat the cold weather.
WASHINGTON , Dec. 6, 2024 /PRNewswire/ -- With a look back at 2024, NASA is celebrating its many innovative and inspiring accomplishments this year including for the first time, landing new science and technology on the Moon with an American company, pushing the boundaries of exploration by launching a new mission to study Jupiter's icy moon Europa; maintaining 24 years of continuous human exploration off the Earth aboard the International Space Station, and unveiling the first look at its supersonic quiet aircraft for the benefit of humanity. The agency also shared the wonder of a total eclipse with millions of Americans, conducted the final flight of its Ingenuity helicopter on the Red Planet, demonstrated the first laser communications capability in deep space, tested the next generation solar sail in space, made new scientific discoveries with its James Webb Space Telescope, completed a year-long Mars simulation on Earth with crew, announced the newest class of Artemis Generation astronauts, and much more. "In 2024, NASA made leap after giant leap to explore, discover, and inspire – all while bringing real, tangible, and substantial benefits to the American people and to all of humanity," said NASA Administrator Bill Nelson . "We deepened the commercial and international partnerships that will help NASA lead humanity back to the Moon and then to the red sands of Mars. We launched new missions to study our solar system and our universe in captivating new ways. We observed our changing Earth through our eyes in the sky – our ever-growing fleet of satellites and instruments – and shared that data with all of humanity. And we opened the doors to new possibilities in aviation, new breakthroughs on the International Space Station, and new wonders in space travel." Through its Moon to Mars exploration approach, the agency continued moving forward with its Artemis campaign, including progress toward its first mission around the Moon with crew in more than 50 years and advancing plans to explore more of the Moon than ever before. So far in 2024, 15 countries signed the Artemis Accords, committing to the safe, transparent, and responsible exploration of space with the United States . As part of efforts to monitor climate change, the agency launched multiple satellites to study our changing planet and opened its second Earth Information Center to provide data to a wider audience. With the release of its latest Economic Impact Report , NASA underscored the agency's $75.6 billion impact on the U.S. economy, value to society, and return on investment for taxpayers. "To invest in NASA is to invest in American workers, American innovation, the American economy, and American economic competitiveness. Through continued investments in our workforce and our infrastructure, NASA will continue to propel American leadership on Earth, in the skies, and in the stars," said Nelson. Key 2024 agency highlights across its mission areas include: Preparing for Moon, Mars This year, NASA made strides toward the Artemis Generation of scientific discovery at the Moon while validating operations and systems to prepare for human missions to Mars. The agency advanced toward Artemis II, the first crewed flight under Artemis: Observing, Learning About Earth NASA collects data about our home planet from space and on land, helping understand how our climate on Earth is changing. Some of the agency's key accomplishments in Earth science this year include: Exploring Our Solar System, Universe NASA's Europa Clipper embarked Oct. 14 on its long voyage to Jupiter , where it will investigate Europa, a moon with an enormous subsurface ocean that may have conditions to support life. NASA collaborated with multiple partners on content and social media related to the launch, including engagements with the National Hockey League, U.S. Figure Skating, 7-Eleven, e.l.f., Girl Scouts, Crayola, Library of Congress, and others. NASA's 2024 space exploration milestones also include: Living, Conducting Research in Space In 2024, a total of 25 people lived and worked aboard the International Space Station, helping to complete science for the benefit of humanity, open access to space to more people, and support exploration to the Moon in preparation for Mars. A total of 14 spacecraft visited the microgravity laboratory in 2024, including eight commercial resupply missions from Northrop Grumman and SpaceX, as well as international partner missions, delivering more than 40,000 pounds of science investigations, tools, and critical supplies to the space station. NASA also helped safely return the uncrewed Boeing Starliner spacecraft to Earth, concluding a three-month flight test to the International Space Station. In addition: Imagining Future Flight NASA researchers worked to advance innovations that will transform U.S. aviation, furthering the Sustainable Flight National Partnership and other efforts to help the country reach net zero carbon emissions by 2050. NASA also unveiled its X-59 quiet supersonic aircraft, the centerpiece of its Quesst mission to make quiet overland supersonic flight a reality. NASA aeronautics initiatives also worked to bring air taxis, delivery drones, and other revolutionary technology closer to deployment to benefit the U.S. public and industry. Over the past year, the agency: Improving Life on Earth, in Space with Technology NASA develops essential technologies to drive exploration and the space economy. In 2024, NASA leveraged partnerships to advance technologies and test new capabilities to help the agency develop a sustainable presence on the lunar surface and beyond, while benefiting life on our home planet and in low Earth orbit. The following are 2024 space technology advancements: Growing Global Partnerships Through the Artemis Accords , almost 50 nations have joined the United States , led by NASA with the U.S. State Department, in a voluntary commitment to engage in the safe, transparent, and responsible exploration of the Moon, Mars, and beyond. The Artemis Accords represent a robust and diverse group of nation states, representing all regions of the world, working together for the safe, transparent, and responsible exploration of the Moon, Mars and beyond with NASA. More countries are expected to sign the Artemis Accords in the weeks and months ahead. Celebrating Total Solar Eclipse During the total solar eclipse on April 8 , NASA helped the nation enjoy the event safely and engaged millions of people with in-person events, live online coverage, and citizen science opportunities. NASA also funded scientists around North America to take advantage of this unique position of the Sun, Moon, and Earth to learn more about the Sun and its connection to our home planet. Highlights of the solar celebration include: Building Low Earth Orbit Economy In August, NASA announced the development of its low Earth orbit microgravity strategy by releasing 42 objectives for stakeholder feedback. The strategy helps to guide the next generation of human presence in low Earth orbit and advance microgravity science, technology, and exploration. NASA is refining the objectives with collected input and will finalize the strategy before the end of the year. Additional advancements include: Inspiring Artemis Generation of STEM Students NASA continues to offer a wide range of science, technology, engineering, and mathematics (STEM) initiatives and activities, reaching and engaging the next generation of scientists, engineers, and explorers. The agency's STEM engagements are enhanced through collaborations with partner organizations, the distribution of various grants, and additional strategic activities. Key 2024 STEM highlights include:
Hry mins review preparedness for Maharishi Valmiki Jayanti celebration
Moreover, taking care of the most vulnerable populations, such as children, the elderly, and individuals with pre-existing health conditions, is paramount during this period of extreme cold. Ensuring that they are adequately dressed, warm, and comfortable is essential to prevent any negative health impacts associated with the cold weather.