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Today, technological, economic, social, and financial trends are rapidly reshaping the financial world. Personal assets in Asia continue to grow, pushing capital markets to continue playing their greater role in the Asian region. As you get nearer your retirement age, it’s a good time as any to start getting serious about your financial future. This means starting to save now, regularly, with a fixed amount of extra cash you are comfortable with for your personal financial planning. The chunk of cash must be saved while you still receive cash flows from your current job or profession. Wise is the investor who would see to it that his hard-earned money will now work over time. It’s definitely worth doing. To start off with your new personal financial objective, and you don’t intend to do the investing yourself, you must then look for a qualified, transparent portfolio manager with utmost integrity. This, by the way, is the famous global investor Warren Buffett’s consistent advice to all his global fans and followers: that character integrity must and should always be considered first before anything else. The global financial market remains unpredictable and volatile. If your investments are not well-diversified, the likelihood of you getting burned will always be there. Risk, as we know, is a constant companion of investing. Yet the sad fact is, many new investors feel quite vulnerable, for some reasons of their own. Hence, they prefer simple explanations, simple numbers that are not even conclusive and, consequently, raise false expectations on their part. It is therefore useful and imperative to make yourself, as a newly-minted investor, more knowledgeable on investment markets and profit opportunities. This will serve you well during investing situations you may often encounter in the future. Moreover, this will give you the added confidence you need to avoid costly mistakes as you try to earn money on your own, or even with a portfolio fund manager. Most new investors, as observed, whether on their own or through others, are predictably confused about what to expect from their investments and therefore appear baffled and uncertain on how to achieve their own financial well-being, even if they also intend to entrust management of their own funds to professional fund managers. To avoid further the negative situation of analysis paralysis, you must honestly assess your own financial situation. Pull out all your bank account statements, initial statement of retirement account (if already available) and also check out other possible sources of extra cash from individuals or corporations for the extra capital you may need in this new chapter of your life as an investor, whether passive or active. Meanwhile, the most important moves you should focus on, along with strong financial discipline, are to save, track your expenses, and strictly live within your means. That’s being smart and sensible when you want your excess funds to be, at least, invested most of the time. Also, when for the first time you are undertaking investment activities, you should not hesitate to seek guidance from honest, experienced, and knowledgeable persons on the basics of investment management. This is because, sometimes, for a variety of reasons, pro-forma financial statements given to you fail to convey clear financial goals. For instance, when a potential portfolio manager promises a higher-than-average rate of return, you should scrutinize it closely to see if his promised investment scorecard carries, or hides, a higher degree of risk. If you strongly feel some real concern about the safety of your own funds, then, you would be better off leaving your excess money in an insured account from very few but strong and stable financial institutions. Investing is rather simple; half of the battle is just learning and understanding the basics of investing. Simple things are just made to appear complex. Let’s be straight about this: Be fully aware of defensive measures to protect your money and avoid becoming a financial cripple. Atty. Abelardo “Billy” Cortez has over 30 years of experience in international and local banking (treasury, trust, private banking). He’s formerly FINEX national president and former chairman of the Philippine Capital Market Development Council. He is an independent board director at First Metro Investment Bank’s companies/subsidiaries (Metrobank Group). He’s an awardee of the Most Distinguished Bedan Alumnus in the field of banking and finance from San Beda University.5 Stocks and Shares ISA mistakes to avoid
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Some ASX shares can provide a very pleasing level of income, but which ones are worth owning? Companies such as ( ), ( ), ( ), and ( ) are well-known for paying dividends. However, they do not necessarily have a strong track record of consistently increasing their dividend payments each year. In fact, I believe that their dividend growth may be slow in the coming years. Therefore, I'd ideally want to own businesses that can deliver longer periods of dividend growth and offer investors a pleasing dividend yield today. With that in mind, I think the two stocks below are compelling options for dividends, growth, and . Medibank Private Ltd ( ) Medibank is the largest private health insurance business in Australia, with its Medibank and ahm brands. In my eyes, private health insurance is a defensive sector because most people value their health. The rising policyholder numbers are helping Medibank grow its operating profit and net non-resident policy unit growth was 69,000. Medibank reported that its operating profit increased 7.9% to $700 million, and overall underlying grew 14.1% to $570.4 million. This helped send the dividend per share higher by 13.7% to 16.6 cents. The latest annual payout translates into a grossed-up of 6.2%, including . Universal Store Holdings Ltd ( ) CTC (THRILLS and Worship). Despite all the economic uncertainty, the company and growth of 45.3% to $34.3 million. I believe this company can continue to grow profit by rolling out more stores in Australia, particularly Perfect Stranger. When it gave an update about the , the company said it was on track to achieve nine to 15 new stores in FY25 – it had 102 at the end of FY24. In that update, the business also said Perfect Stranger's total sales were up 111.1% year over year. The ASX share has a promising growth outlook, which would be very helpful for the company's dividend. In FY24, it grew its annual dividend to 35.5 cents – it has increased its dividend each year since it started paying one in 2021. The business has a grossed-up dividend yield of 6%, including franking credits.Sl Green Realty's chief legal officer sells $3.65 million in stockEddie Lampkin and Donnie Freeman both turned in double-double performances as Syracuse snapped a two-game losing streak with a 75-63 win over Bucknell Saturday at the JMA Wireless Dome in Syracuse, N.Y. Lampkin scored 18 points and grabbed 11 rebounds while Freeman finished with 15 points and 11 boards as the Orange (6-6) improved to 11-1 all-time against the Bison (4-9). Jaquan Carlos chipped in 11 for Syracuse. Josh Bascoe was impressive in defeat, knocking down six 3-pointers and scoring 22 in all. Noah Williamson added 12 for the Bison, who dropped their seventh in a row but didn't go away quietly. Trailing 43-31 at the half, the Bison pulled within 48-43 after a dunk by Pip Ajayi with 14:13 left. That was as close as Bucknell would get, however, as it fell short in its bid for its first win over a power conference team since beating Vanderbilt 75-72 victory during the 2016-17 campaign. In the final nonleague game for both teams, Syracuse shook off a slow start with a 9-0 run ignited by a Lucas Taylor 3-pointer and capped with a layup by Freeman that put the Orange up 12-6 with 14:30 to go. The Orange led 17-12 with 11:23 to go after a 3-pointer by Elijah Moore, but back-to-back 3-pointers by Jayden Williams and Bascoe put the Bison on top 21-19 with 8:04 remaining. With Bucknell up 26-22, momentum shifted in Syracuse's favor on the strength of a 16-2 run, highlighted by Freeman's 3-pointer that gave the Orange their first double-digit lead at 38-28 with 1:49 to play in the half. Freeman hit another shot from distance with seven seconds left, shooting over a defender from well beyond the line and extending the lead to 43-31. He high-fived teammates as he came off the court. His bucket was one of six 3-pointers Syracuse connected on in the opening half while shooting 57.6 percent (17-of-30) from the field. The Orange outscored the Bison 18-3 over the final 5:39, limiting Bucknell to only one field goal. --Field Level Media
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Over 2,000 bicycles and helmets donated in Fayetteville to childrenREGINA — Premier Scott Moe's Saskatchewan Party government introduced Monday its promised legislation to lower personal income taxes. The Saskatchewan Affordability Act states it will raise personal income tax exemptions while indexing tax brackets to match inflation, saving an average family of four more than $3,400 over four years. Finance Minister Jim Reiter told reporters an estimated 54,000 residents will not pay provincial income tax once the changes are in place. The Saskatchewan Party had proposed the measures during the October election campaign. "We want to get this done as quickly as we can," Reiter said. "Obviously that was a big campaign commitment for us. People want affordability and we would like to deliver on that." The legislation also includes a tax credit for first-time homebuyers, along with a credit for home renovations that would provide savings of up to $420 per year. The bill also promises a 25-per-cent increase in tax credits for children under 18 with disabilities and for caregivers. It keeps the small business tax rate at one per cent while doubling benefits for families to put their children in sports and arts. Opposition NDP finance critic Trent Wotherspoon told reporters his party is prepared to support the legislation. "We certainly won't hold this up, but what we need is much more than that," Wotherspoon said. "We need action now to save families' hard-earned dollars as they head into the holiday season." The Opposition has been pushing Moe to suspend the provincial 15-cent-a-litre fuel tax and axe the provincial sales tax on ready-to-eat grocery items. Two of their emergency motions on those issues have failed to pass in the house. While speaking with reporters, Wotherspoon stood behind a table of groceries that have sales taxes imposed on them, including a rotisserie chicken, granola bars, pre-made salads and cut fruit and vegetables. "Oftentimes people are going to (the grocery store) picking up a rotisserie chicken. This fruit (platter) is taxed, same with a veggie platter," he said. "These are the kinds of staples that families are relying on. We need to provide some relief." Reiter said the province won't support the NDP's proposals, arguing the government needs revenues for services. "I don't like taxes. I'd love to cut taxes everywhere but we have to have revenue to operate," he said. Reiter said he is to write a letter to the federal government to fast-track the approval of the personal income tax changes so residents can start seeing a break in January. He said the tax reduction is to cost $140 million in the first year. This report by The Canadian Press was first published Dec. 2, 2024. Jeremy Simes, The Canadian Press