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90jili online games Has a waltz written by composer Frederic Chopin been discovered in an NYC museum?Jimmy Carter, the 39th US president, has died at 100Gal Gadot is opening up about her health. The 39-year-old Wonder Woman actress revealed a frightening diagnosis while she was pregnant in an emotional Instagram post on Sunday (December 29). “This year has been one of profound challenges and deep reflections, and I’ve wrestled with how, or even if, to share a personal story. At the end, I decided to let my heart guide me. Perhaps this is my way of processing everything, of pulling back the curtain on the fragile reality behind the curated moments we share on social media. Most of all, I hope that by sharing, I can raise awareness and support others who may face something similar,” she began. Keep reading to find out more... “In February, during my eighth month of pregnancy, I was diagnosed with a massive blood clot in my brain. For weeks, I had endured excruciating headaches that confined me to bed, until I finally underwent an MRI that revealed the terrifying truth. In one moment, my family and I were faced with how fragile life can be. It was a stark reminder of how quickly everything can change, and in the midst of a difficult year, all I wanted was to hold on and live,” Gal wrote. “We rushed to the hospital, and within hours, I underwent emergency surgery. My daughter, Ori , was born during that moment of uncertainty and fear. Her name, meaning ‘my light,’ wasn’t chosen by chance. Before the surgery, I told Jaron that when our daughter arrived, she would be the light waiting for me at the end of this tunnel. Thanks to an extraordinary team of doctors at @cedarssinai and weeks of dedicated care, I made it through and began the road to recovery. Today, I am fully healed and filled with gratitude for the life I’ve been given back,” she continued. “The journey has taught me so much. First, it’s vital to listen to our bodies and trust what it’s telling us. Pain, discomfort, or even subtle changes often carry deeper meaning, and being attuned to your body can be life saving,” Gal said. “Second, awareness matters. I had no idea that 3 in 100,000 pregnant women in the 30s+ age group are diagnosed with CVT(develop a blood clot in the brain) . It’s so important to identify early because it’s treatable. While rare, it’s a possibility, and knowing it exists is the first step to addressing it. Sharing this is not meant to frighten anyone but to empower. If even one person feels compelled to take action for their health because of this story, it will have been worth sharing.” Gal Gadot recently made a statement in November with a pin on the red carpet at a film festival.

Shwashwi: “Chancer” makes way for NyikoNEW YORK — The brooding waltz was carefully composed on a sheet of music roughly the size of an index card. The brief, moody number also bore an intriguing name, written at the top in cursive: “Chopin.” A previously unknown work of music penned by the European master Frederic Chopin appears to have been found at the Morgan Library & Museum in Manhattan. The untitled and unsigned piece is on display this month at the opulently appointed institution, which had once been the private library of financier J.P. Morgan. A previously unknown musical manuscript, possibly by Frederic Chopin, is held in a display case after it was discovered at The Morgan Library & Museum on Nov. 13 in New York. Robinson McClellan, the museum curator who uncovered the manuscript, said it's the first new work associated with the Romantic era composer to be discovered in nearly a century. But McClellan concedes that it may never be known whether it is an original Chopin work or merely one written in his hand. The piece, set in the key of A minor, stands out for its “very stormy, brooding opening section” before transitioning to a melancholy melody more characteristic of Chopin, McClellan explained. “This is his style. This is his essence,” he said during a recent visit to the museum. “It really feels like him.” McClellan said he came across the work in May as he was going through a collection from the late Arthur Satz, a former president of the New York School of Interior Design. Satz acquired it from A. Sherrill Whiton Jr., an avid autograph collector who had been director of the school. McClellan then worked with experts to verify its authenticity. The paper was found to be consistent with what Chopin favored for manuscripts, and the ink matched a kind typical in the early 19th century when Chopin lived, according to the museum. But a handwriting analysis determined the name “Chopin” written at the top of the sheet was penned by someone else. Born in Poland, Chopin was considered a musical genius from an early age. He lived in Warsaw and Vienna before settling in Paris, where he died in 1849 at the age of 39, likely of tuberculosis. A previously unknown musical manuscript, possibly by Frederic Chopin, is seen in a display case after it was discovered at The Morgan Library & Museum, Nov. 13 in New York. He’s buried among a pantheon of artists at the city’s famed Père Lachaise Cemetery, but his heart, pickled in a jar of alcohol, is housed in a church in Warsaw, in keeping with his deathbed wish for the organ to return to his homeland. Artur Szklener, director of the Fryderyk Chopin Institute in Warsaw, the Polish capital city where the composer grew up, agreed that the document is consistent with the kinds of ink and paper Chopin used during his early years in Paris. Musically, the piece evokes the “brilliant style” that made Chopin a luminary in his time, but it also has features unusual for his compositions, Szklener said. “First of all, it is not a complete work, but rather a certain musical gesture, a theme laced with rather simple piano tricks alluding to a virtuoso style," Szklener explained in a lengthy statement released after the document was revealed last month. He and other experts conjecture the piece could have been a work in progress. It may have also been a copy of another's work, or even co-written with someone else, perhaps a student for a musical exercise. Jeffrey Kallberg, a University of Pennsylvania music professor and Chopin expert who helped authenticate the document, called the piece a “little gem” that Chopin likely intended as a gift for a friend or wealthy acquaintance. “Many of the pieces that he gave as gifts were short – kind of like ‘appetizers’ to a full-blown work,” Kallberg said in an email. “And we don’t know for sure whether he intended the piece to see the light of day because he often wrote out the same waltz more than once as a gift.” David Ludwig, dean of music at The Juilliard School, a performing arts conservatory in Manhattan, agreed the piece has many of the hallmarks of the composer’s style. “It has the Chopin character of something very lyrical and it has a little bit of darkness as well,” said Ludwig, who was not involved in authenticating the document. But Ludwig noted that, if it's authentic, the tightly composed score would be one of Chopin’s shortest known pieces. The waltz clocks in at under a minute long when played on piano, as many of Chopin’s works were intended. “In terms of the authenticity of it, in a way it doesn’t matter because it sparks our imaginations,” Ludwig said. “A discovery like this highlights the fact that classical music is very much a living art form.” The Chopin reveal comes after the Leipzig Municipal Libraries in Germany announced in September that it uncovered a previously unknown piece likely composed by a young Wolfgang Amadeus Mozart in its collections. Christmas music has a long and storied history beginning centuries ago with pagan rituals. Those traditions evolved with St. Francis of Assisi’s Nativity plays in the 13th century, and survived Puritan rule when many Christmas traditions and celebrations were banned during part of the 17th century. Traveling minstrels spread original songs before the invention of the printing press in 1440 ushered in an era of texts that served as the foundation for some of the most beloved Christmas songs. These tunes would be shared in the form of poetry and hymns printed on broadsides . Today, Christmas music runs the gamut from silly to revolutionary. Songs range from grandmothers getting trampled by reindeer to those based on the work of a Romantic-period poet. Who knew that the catchy tune of Wenceslas, the king with the funny name, is a reverent song about the patron saint of the Czech Republic? Or perhaps it would surprise readers to discover that “Silent Night” was designated as an item of Intangible Cultural Heritage by UNESCO. These songs we know by heart and hear so often have rich histories rooted in things like war, religion, social reform, and slavery. Stacker compiled a list of Christmas songs released before 1920 and explored the origins of these pieces. This list includes Christmas carols, famous instrumentals, popular hymns, and spirituals from countries around the world. Many of these songs were created out of a chance collaboration between artists spanning time and space; a clergyman pens a hymn, and years later, a composer resurrects those words and sets them to a melody. It may come as no surprise, then, that what people consider to be Christmas classics are among the most-covered Christmas songs of all time . “Silent Night,” for example, had 137,315 recordings according to a 2017 Billboard report. Read on to learn about the rich histories of some of the most beloved Christmas songs that are more than a century old. You may also like: 71 years of Emmy history Written by James Lord Pierpont in 1857 and originally titled “One Horse Open Sleigh,” “Jingle Bells” is one of the most beloved and ubiquitous Christmas carols in existence. In 1965, astronauts Wally Schirra and Thomas Stafford made “Jingle Bells,” the first song heard from space as they orbited Earth aboard the Gemini 6. It may be surprising that this Christmas classic was written as a Thanksgiving song. This traditional English Christmas carol refers to the practice of wassailing, the definition of which has evolved over the years . In the song, wassailing is the practice of traveling door-to-door, wishing good health, and asking for a bit of hospitality and Christmas tidings in return, including a drink from a communal bowl filled with mulled cider or ale called wassail. Other familiar variants of the song include “Here We Come A-Caroling,” and “Here We Come A Christmasing.” Published by hymn writer John Mason Neale in 1853, this carol was based on the life of the virtuous ruler Wenceslaus I, Duke of Bohemia . Wenceslaus I was revered for his piety, morality, and virtue. After his assassination, he was posthumously conferred as a king by Holy Roman Emperor Otto I, which is why people don’t sing of good Duke Wenceslaus. Wenceslaus was elevated to sainthood immediately after his death, and he's considered the patron saint of the Czech Republic. The version of “O Tannenbaum” most of us are familiar with today was written in 1824 by Ernst Anschütz, a well-known organist and composer from Leipzig, Germany. Anschütz’s version was one of many based on a 16th-century German folk song that pays homage to the steadfast nature of the "Tannenbaum," the German word for a fir tree. The song’s association with Christmas began with Anschütz even though no explicit mention of Christmas was made in his original lyrics. Furthermore, most Christmas trees are spruce, not fir. Readers may be more familiar with the song’s English title, “O Christmas Tree.” If you’ve ever wondered what “God rest you merry” means, you’re not alone. This carol’s title is often misinterpreted, mispunctuated, and widely debated. The phrase “rest you merry” is used in the same way we use “rest assured.” It is not an address to merry gentlemen but rather an imperative statement to all gentlemen to be happy, citing the birth of Christ. It’s even referenced in Charles Dickens' classic “A Christmas Carol.” The earliest known print edition of the carol dates back to 1760, but its author is unknown. You may also like: 30 celebrities you might not know are LGBTQ Originally titled “Three Kings of Orient,” this carol was written by journalist-turned-clergyman John Henry Hopkins in 1857 for a Christmas pageant and published six years later. The carol chronicles the Christian gospel of Matthew in which three biblical magi, commonly known as the three wise men, bring gifts of gold, frankincense, and myrrh to honor the birth of Jesus. Edmund Sears—a Unitarian pastor in Wayland, Mass.—wrote a five-stanza poem titled “It Came Upon the Midnight Clear” in 1849. It was adapted by American composer Richard Storrs Willis in 1850 and set to a melody called “Carol.” The words of this poem-turned-carol are regarded as an account of the issues at the time. Topics referred to in the song include the end of the Mexican-American war and a call for peace among men. Proudly rejoicing the nativity of Jesus, “Go Tell It on the Mountain” was an African-American spiritual dating back to 1865. John Wesley Work Jr. was a composer and ethnomusicologist who compiled hundreds of spirituals and even composed a few, including “Go Tell It on the Mountain,” in his work: “American Negro Songs and Spirituals; A Comprehensive Collection of 230 Folk Songs, Religious and Secular.” Written by William Chatterton Dix in 1865 and published in 1871, this carol explores what the shepherds present at the birth of Jesus must have been thinking when they encountered him. In gospel, hymns, and art, shepherds are central characters in the Nativity of Jesus. The song is set to the familiar melody of “Greensleeves,” a 16th-century English folk song. The exact origins of this popular carol are unknown, but it is most often credited to John Francis Wade. Originally written and printed in Latin as “Adeste Fideles,” it first appeared in Wade’s 1751 collection “Cantus Diversi.” You may also like: Exploring minority representation in the biggest box office winners ever What began in 1818 as a modest performance outside of St. Nicholas parish in Oberndorf, Austria, has become one of the most popular Christmas songs of all time. Translated into over 300 languages, “Stille Nacht” was written by a priest named Joseph Mohr and composed by Franz Xaver Gruber in 1818. The song became popular among traveling folk singers, and before long, it could be heard around the world. The English version we know today called “Silent Night” was not written until 1863. “Stille Nacht” was named an intangible cultural heritage by UNESCO in 2011 . “Carol of the Bells” is no doubt familiar to you, if not by name, then by melody. The carol was based on an Ukranian folk chant called "Shchedryk,” which was traditionally sung on New Year’s Eve as it spoke of good fortune for the upcoming year. American composer Peter J. Wilhousky adapted the lyrics "Shchedryk” into a Christmas song in 1919 using the original musical arrangement by Ukranian composer Mykola Leontovych. Many artists have covered the carol over the last century, and one of its more popular variants is “Christmas Eve/Sarajevo” by the Trans-Siberian Orchestra. “In the Bleak Midwinter” was based on a poem of the same name written by English poet Christina Georgina Rossetti in 1872. English composer Gustav Holst first set the poem to music in 1906. This particular carol was published by Cecil Sharp, a famous conservator of English folk tradition, in 1911. The song is packed with symbolism that dates back to pagan rituals. Holly, representing males, and ivy, representing females, used to be burned together during the pagan festival of Beltane to encourage a fruitful spring. In Christianity, holly is symbolic of the crown of thorns Jesus wore during his crucifixion. With this rich history, evergreens like holly and ivy are viewed as symbols of rebirth and renewal, which are common themes celebrated at Christmas time. This carol was based on the poem "Christmas Bells," written by Henry Wadsworth Longfellow on Christmas Day in 1863. With an injured wife and a son who joined the union army against his father’s wishes, Longfellow lamented hearing bells on Christmas Day during the American Civil War. The lyrics convey a sense of hopelessness when goodwill and peace on Earth seemed impossible. The poem was set to music in 1872 by English composer John Baptiste Calkin. You may also like: Mistakes from the 50 best movies of all time “O Holy Night” is based on a French poem titled "Minuit, Chrétiens," written by Placide Cappeau at the behest of a parish priest. Composer Adolphe Adam set the poem to music that same year, and it quickly gained popularity throughout France. When Cappeau denounced the Catholic Church to join the socialist movement, the church responded by denouncing his beloved carol. The song made a resurgence after it was translated into English and introduced in America by John Sullivan Dwight. After visiting Bethlehem in the Mutasarrifate of Jerusalem , Phillips Brooks was inspired to write about his experiences. Brooks, an Episcopal priest, shared the poem he had written with Lewis Redner, his church’s organist, and asked him to create a melody for it so they could perform it at an upcoming Sunday school service. In a single evening, Redner composed the tune that we know today. Reflecting on the success of the carol, Redner stated : “Neither Mr. Brooks nor I ever thought the carol or the music to it would live beyond that Christmas of 1868.” Mistakenly attributed, for many years, to Martin Luther—the seminal figure of Europe’s Protestant Reformation in the 16th century—and even titling early versions of this piece “Luther’s Cradle Song,” “Away in a Manger” is a relatively simple carol with unknown origins. The first record of the text being set to music with the title “Away in a Manger” is found in the 1885 publication “Little Children's Book for Schools and Families.” The carol we know as “Hark! The Herald Angels Sing” was originally titled "Hymn for Christmas-Day,” published in 1739 by Charles Wesley, leader of the Methodist movement and brother to John Wesley, the movement’s founder. But it was George Whitefield who adapted the text in 1753 to give us that familiar opener “Hark! The Herald Angels Sing.” The melody was composed by Felix Mendelssohn and later adapted by William H. Cummings in 1855 to create the song that's popular today. This numeric carol was originally published in England in 1780 in a children’s book called “Mirth Without Mischief.” It is believed to be a type of children's memory-and-forfeit game in which the singer must remember every verse or forfeit something if they make a mistake. You may also like: Best and worst Al Pacino movies Citing the gospel of Luke, this English carol is based on a French song called “Les Anges dans nos campagnes.” The lyrics were written by James Chadwick, a bishop in 1862. His words were set to the tune "Gloria," which was arranged by Edward Shippen Barnes. This Christmas ballad is believed to date back to the 15th century. Unlike many other carols that reference the gospels of Luke or Matthew, this story takes place sometime in between as Mary and Joseph journey to Bethlehem. It is one of the few depictions of Joseph struggling to accept Mary’s pregnancy, evidenced through lyrics such as “O then bespoke Joseph/ With words so unkind,/ Let him pluck thee a cherry/That brought thee with child.” The song was made popular again by Joan Baez’s rendition in 1961. The exact origins of this carol are unknown, but it is believed to be one of the oldest carols still sung today. Dating back to the 12th century, “The Friendly Beasts” is a traditional French carol about the animals present at the birth of Jesus and the gifts they bestowed on him. “Joy to the World” was originally written as a hymn by Isaac Watts. Watt’s adaptation of Psalm 98 interprets Christ as the king of the church and as the king of the world. “Joy to the World” is one of the most recorded Christmas songs of all time . Perhaps the darkest song on this list, “Coventry Carol,” depicts the biblical event “The Massacre of the Innocents” in which King Herod ordered the killing of all male babies under the age of two in Bethlehem. The song takes the form of a lullaby recited to the persecuted children. In Christianity, “The Massacre of the Innocents” is an important part of the broader Nativity story and thus a relevant story in the Christmas narrative. “Coventry Carol” was originally part of a medieval mystery play performed in England called “The Pageant of the Shearmen and Tailors.” You may also like: Best Grateful Dead albums of all time Receive the latest in local entertainment news in your inbox weekly!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.

ATLANTA (AP) — the peanut farmer who won the presidency in the wake of the Watergate scandal and Vietnam War, endured humbling defeat after one tumultuous term and then redefined life after the White House as a global humanitarian, has died. years old. The died on Sunday, more than a year after entering , at his home in the small town of Plains, Georgia, where he and his wife, who , spent most of their lives, The Carter Center said. “Our founder, former U.S. President Jimmy Carter, passed away this afternoon in Plains, Georgia,” the center said in posting about his death on the social media platform X. It added in a statement that he died peacefully, surrounded by his family. Businessman, Navy officer, evangelist, politician, negotiator, author, woodworker, citizen of the world — Carter forged a path that still challenges political assumptions and stands out among the 45 men who reached the nation’s highest office. The 39th president leveraged his ambition with a keen intellect, deep religious faith and prodigious work ethic, and well into his 90s. “My faith demands — this is not optional — my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can, with whatever I have to try to make a difference,” Carter once said. A president from Plains A moderate Democrat, as a little-known Georgia governor with a broad smile, outspoken Baptist mores and technocratic plans reflecting his education as an engineer. His no-frills campaign depended on public financing, and his promise not to deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter repeated before narrowly beating Republican incumbent Gerald Ford, who had lost popularity pardoning Nixon. Carter governed amid Cold War pressures, turbulent oil markets and social upheaval over racism, women’s rights and America’s global role. His most acclaimed achievement in office was a Mideast peace deal that he brokered by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at the bargaining table for 13 days in 1978. That Camp David experience inspired the post-presidential center where Carter would establish so much of his legacy. Yet Carter’s electoral coalition splintered under double-digit inflation, gasoline lines and the 444-day hostage crisis in Iran. His bleakest hour came when eight Americans died in a failed hostage rescue in April 1980, helping to ensure his landslide defeat to Republican Ronald Reagan. Carter acknowledged in his 2020 “White House Diary” that he could be “micromanaging” and “excessively autocratic,” complicating dealings with Congress and the federal bureaucracy. He also turned a cold shoulder to Washington’s news media and lobbyists, not fully appreciating their influence on his political fortunes. “It didn’t take us long to realize that the underestimation existed, but by that time we were not able to repair the mistake,” Carter told historians in 1982, suggesting that he had “an inherent incompatibility” with Washington insiders. Carter insisted his overall approach was sound and that he achieved his primary objectives — to “protect our nation’s security and interests peacefully” and “enhance human rights here and abroad” — even if he fell spectacularly short of a second term. And then, the world Ignominious defeat, though, allowed for renewal. The Carters founded The Carter Center in 1982 as a first-of-its-kind base of operations, asserting themselves as international peacemakers and champions of democracy, public health and human rights. “I was not interested in just building a museum or storing my White House records and memorabilia,” Carter wrote in a memoir published after his 90th birthday. “I wanted a place where we could work.” That work included easing nuclear tensions in North and South Korea, helping to avert a U.S. invasion of Haiti and negotiating cease-fires in Bosnia and Sudan. By 2022, The Carter Center had declared at least 113 elections in Latin America, Asia and Africa to be free or fraudulent. Recently, the center as well. Carter’s stubborn self-assuredness and even self-righteousness proved effective once he was unencumbered by the Washington order, sometimes to the point of . He went “where others are not treading,” he said, to places like Ethiopia, Liberia and North Korea, where he secured the release of an American who had wandered across the border in 2010. “I can say what I like. I can meet whom I want. I can take on projects that please me and reject the ones that don’t,” Carter said. He announced an arms-reduction-for-aid deal with North Korea without clearing the details with Bill Clinton’s White House. He openly criticized President George W. Bush for the 2003 invasion of Iraq. He also criticized America’s approach to Israel with his 2006 book “Palestine: Peace Not Apartheid.” And he repeatedly countered U.S. administrations by insisting North Korea should be included in international affairs, a position that most aligned Carter Among the center’s many public health initiatives, Carter vowed to eradicate the guinea worm parasite during his lifetime, and Cases dropped from millions in the 1980s to nearly a handful. With hardhats and hammers, the Carters also built homes with Habitat for Humanity. The Nobel committee’s 2002 Peace Prize cites his “untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” Carter should have won it alongside Sadat and Begin in 1978, the chairman added. Carter accepted the recognition saying there was more work to be done. “The world is now, in many ways, a more dangerous place,” he said. “The greater ease of travel and communication has not been matched by equal understanding and mutual respect.” ‘An epic American life’ Carter’s globetrotting took him to remote villages where he met little “Jimmy Carters,” so named by admiring parents. But he spent most of his days in the same one-story Plains house — expanded and guarded by Secret Service agents — where they lived before he became governor. He regularly at Maranatha Baptist Church until his mobility declined and the coronavirus pandemic raged. Those sessions drew visitors from around the world to the small sanctuary where Carter will receive his final send-off after a state funeral at Washington’s National Cathedral. The common assessment that he was a rankled Carter and his allies. His prolific post-presidency gave him a brand above politics, particularly for Americans too young to witness him in office. But Carter also lived long enough to see biographers and historians reassess his White House years more generously. His record includes the deregulation of key industries, reduction of U.S. dependence on foreign oil, cautious management of the national debt and notable legislation on the environment, education and mental health. He focused on human rights in foreign policy, . He acknowledged America’s historical imperialism, pardoned Vietnam War draft evaders and relinquished control of the Panama Canal. He normalized relations with China. “I am not nominating Jimmy Carter for a place on Mount Rushmore,” Stuart Eizenstat, Carter’s domestic policy director, wrote in a 2018 book. “He was not a great president” but also not the “hapless and weak” caricature voters rejected in 1980, Eizenstat said. Rather, Carter was “good and productive” and “delivered results, many of which were realized only after he left office.” Madeleine Albright, a national security staffer for Carter and Clinton’s secretary of state, wrote in Eizenstat’s forward that Carter was “consequential and successful” and expressed hope that “perceptions will continue to evolve” about his presidency. “Our country was lucky to have him as our leader,” said Albright, Jonathan Alter, who penned a comprehensive Carter biography published in 2020, said in an interview that Carter should be remembered for “an epic American life” spanning from a humble start in a home with no electricity or indoor plumbing through decades on the world stage across two centuries. “He will likely go down as one of the most misunderstood and underestimated figures in American history,” Alter told The Associated Press. A small-town start James Earl Carter Jr. was born Oct. 1, 1924, in Plains and spent his early years in nearby Archery. His family was a minority in the mostly Black community, decades before the civil rights movement played out at the dawn of Carter’s political career. Carter, who campaigned as a moderate on race relations but governed more progressively, talked often of the influence of his Black caregivers and playmates but also noted his advantages: His land-owning father sat atop Archery’s tenant-farming system and owned a main street grocery. , would become a staple of his political campaigns. Seeking to broaden his world beyond Plains and its population of fewer than 1,000 — then and now — Carter won an appointment to the U.S. Naval Academy, graduating in 1946. That same year another Plains native, a decision he considered more important than any he made as head of state. She shared his desire to see the world, sacrificing college to support his Navy career. Carter climbed in rank to lieutenant, but then his father was diagnosed with cancer, so the submarine officer set aside his ambitions of admiralty and moved the family back to Plains. even as she dived into the peanut business alongside her husband. Carter again failed to talk with his wife before his first run for office — he later called it “inconceivable” not to have consulted her on such major life decisions — but this time, she was on board. “My wife is much more political,” Carter told the AP in 2021. He won a state Senate seat in 1962 and its back-slapping, deal-cutting ways. He ran for governor in 1966 — losing to arch-segregationist Lester Maddox — and then immediately focused on the next campaign. Carter had spoken out against church segregation as a Baptist deacon and opposed racist “Dixiecrats” as a state senator. Yet as a local school board leader in the 1950s he had not pushed to end school segregation even after the Supreme Court's Brown v. Board of Education decision, despite his private support for integration. And in 1970, Carter ran for governor again as the more conservative Democrat against Carl Sanders, a wealthy businessman Carter mocked as “Cufflinks Carl.” Sanders never forgave him for anonymous, race-baiting flyers, which Carter disavowed. Ultimately, Carter won his races by attracting both Black voters and culturally conservative whites. Once in office, he was more direct. “I say to you quite frankly that the time for racial discrimination is over,” he declared in his 1971 inaugural address, setting a new standard for Southern governors that landed him on the cover of Time magazine. 'Jimmy Who?' His statehouse initiatives included environmental protection, boosting rural education and overhauling antiquated executive branch structures. He proclaimed Martin Luther King Jr. Day in the slain civil rights leader’s home state. And he decided, as he received presidential candidates in 1972, that they were In 1974, he ran Democrats’ national campaign arm. Then he declared his own candidacy for 1976. An Atlanta newspaper responded with the headline: “Jimmy Who?” and Georgia supporters camped out in Iowa and New Hampshire, establishing both states as presidential proving grounds. His first Senate endorsement: a young first-termer from Delaware named Joe Biden. Yet it was Carter’s ability to navigate America’s complex racial and rural politics that cemented the nomination. He swept the Deep South that November, the last Democrat to do so, as many white Southerners shifted to Republicans in response to civil rights initiatives. A self-declared “born-again Christian,” Carter drew snickers by referring to Scripture in a Playboy magazine interview, saying he “had looked on many women with lust. I’ve committed adultery in my heart many times.” The remarks gave Ford a new foothold and television comedians pounced — including NBC’s new “Saturday Night Live” show. But voters weary of cynicism in politics found it endearing. Carter chose Minnesota Sen. as his running mate on a “Grits and Fritz” ticket. In office, he elevated the vice presidency and the first lady’s office. Mondale’s governing partnership was a model for influential successors Al Gore, Dick Cheney and Biden. Rosalynn Carter was one of the most involved presidential spouses in history, welcomed into Cabinet meetings and huddles with lawmakers and top aides. The Carters presided with uncommon informality: He used his nickname “Jimmy” even when taking the oath of office, carried his own luggage and tried to silence the Marine Band’s “Hail to the Chief.” They bought their clothes off the rack. Carter wore a cardigan for a White House address, urging Americans to conserve energy by turning down their thermostats. Amy, the youngest of four children, attended District of Columbia public school. Washington’s social and media elite scorned their style. But the larger concern was that “he hated politics,” according to Eizenstat, leaving him nowhere to turn politically once economic turmoil and foreign policy challenges took their toll. Accomplishments, and ‘malaise’ Carter partially deregulated the airline, railroad and trucking industries and established the departments of Education and Energy, and the Federal Emergency Management Agency. He designated millions of acres of Alaska as national parks or wildlife refuges. He appointed a then-record number of women and nonwhite people to federal posts. He never had a Supreme Court nomination, but he elevated civil rights attorney to the nation’s second highest court, positioning her for a promotion in 1993. He appointed Paul Volker, the Federal Reserve chairman whose policies would help the economy boom in the 1980s — after Carter left office. He built on Nixon’s opening with China, and though he tolerated autocrats in Asia, pushed Latin America from dictatorships to democracy. But he couldn’t immediately tame inflation or the related energy crisis. And then came Iran. After he admitted the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979 by followers of the Ayatollah Ruhollah Khomeini. Negotiations to free the hostages broke down repeatedly ahead of the failed rescue attempt. The same year, Carter signed SALT II, the new strategic arms treaty with Leonid Brezhnev of the Soviet Union, only to pull it back, impose trade sanctions and order a U.S. boycott of the Moscow Olympics after the Soviets invaded Afghanistan. Hoping to instill optimism, he delivered what the media dubbed his “malaise” speech, although he didn’t use that word. He declared the nation was suffering “a crisis of confidence.” By then, many Americans had lost confidence in the president, not themselves. Carter campaigned sparingly for reelection because of the hostage crisis, instead for the Democratic nomination. Carter famously said he’d “kick his ass,” but was hobbled by Kennedy as Reagan rallied a broad coalition with “make America great again” appeals and asking voters whether they were “better off than you were four years ago.” Reagan further capitalized on Carter’s lecturing tone, eviscerating him in their lone fall debate with the quip: “There you go again.” Carter lost all but six states and Republicans rolled to a new Senate majority. Carter successfully negotiated the hostages’ freedom after the election, but in one final, bitter turn of events, Tehran waited until hours after Carter left office to let them walk free. 'A wonderful life' At 56, Carter returned to Georgia with “no idea what I would do with the rest of my life.” Four decades after launching The Carter Center, he still talked of unfinished business. “I thought when we got into politics we would have resolved everything,” Carter told the AP in 2021. “But it’s turned out to be much more long-lasting and insidious than I had thought it was. I think in general, the world itself is much more divided than in previous years.” Still, he affirmed what he said when he underwent treatment for a in his 10th decade of life. “I’m perfectly at ease with whatever comes,” . “I’ve had a wonderful life. I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” ___ Former Associated Press journalist Alex Sanz contributed to this report. Bill Barrow, The Associated PressAirports and highways are expected to be jam-packed during Thanksgiving week. Subscribe to continue reading this article. Already subscribed? 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Why Accenture Stock Flew Higher on FridayNEW YORK (AP) — More shoppers than ever are on track to use ‘buy now, pay later’ plans this holiday season, as the ability to spread out payments looks attractive at a time when Americans still feel the lingering effect of inflation and already have record-high credit card debt. The data firm Adobe Analytics predicts shoppers will spend 11.4% more this holiday season using buy now, pay later than they did a year ago. The company forecasts shoppers will purchase $18.5 billion worth of goods using the third-party services for the period Nov. 1 to Dec. 31, with $993 million worth of purchases on Cyber Monday alone. Buy now, pay later can be particularly appealing to consumers who have low credit scores or no credit history, such as younger shoppers, because most of the companies providing the service run only soft credit checks and don’t report the loans and payment histories to the credit bureaus, unlike credit card companies. This holiday season, buy now, pay later users can also feel more confident if a transaction goes awry. In May, the CFPB said buy now, pay later company must adhere to other regulations that govern traditional credit, such as providing ways to demand refunds and dispute transactions. To use a buy now, pay later plan, consumers typically sign up with bank account information or a debit or credit card, and agree to pay for purchases in monthly installments, typically over eight weeks or more. The loans are marketed as requiring no or low interest, or only conditional fees, such as for late payment. Klarna, Afterpay and Affirm are three of the biggest buy now, pay later companies. But consumer advocates warn that shoppers who sign up for the payment plans using a credit card can be hit with more interest and fees. That's because individuals open themselves up to interest on the credit card payment, if it's carried month to month, on top of any late fees, interest, or penalties from the buy now, pay later loan itself. Experts advise against using a credit card to pay for these plans for this reason. Consumer watchdogs also say the plans lead consumers to overextend themselves because, for example, not paying full price up front leaves, in the shopper’s mind at least, more money for smaller purchases . They also caution consumers to keep careful track of using multiple buy now, pay later services, as the automatic payments can add up, and there is no central reporting, such as with a credit card statement. “Buy now, pay later can be an innovative tool for purchases you’re going to make anyway,” said Mark Elliott, chief customer officer at financial services company LendingClub. “The challenge is that it does fuel overspending.” For merchants, that’s part of the appeal. Retailers have found that customers are more likely to have bigger cart sizes or to convert from browsing to checking out when buy now, pay later is offered. One report from the Federal Reserve Bank of New York cited research that found customers spend 20% more when buy now, pay later is available. “The reality is that the increased cost-of-living and inflation have put more people in a situation where they’re already relying on revolving credit,” Elliott said. “The psychographics of ‘buy now, pay later’ may be different — people don’t think of it as debt — but it is.” If a consumer misses a payment, they can face fees, interest, or the possibility of being locked out of using the services in the future. Emily Childers, consumer financial expert for personal-finance technology company Credit Karma, said that internal data shows member credit card balances are up more than 50% for Gen Z and millennial members since March 2022, when the Fed started raising interest rates. “Young people are entering this holiday season already in the red,” she said. “And, based on what we’re seeing in the data, they’re continuing to bury their heads in the sand and spend.” The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.None

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As Nigeria grapples with perennial security challenges amidst rising hunger, leadership experts and stakeholders from different backgrounds have called on government at all levels, as well as privileged individuals , to give urgent attention to economic empowerment of youths in order to build lasting peace and security across the country. The stakeholders made the call at the 14th edition of the annual Peace Achievers International Conference and Awards Night held on Saturday with the theme, “Building Bridges for Sustainable Peace and Security: Integrating Sectors for Harmonious Future”, at the Abuja Continental Hotel in the FCT. The 2024 conference brought together heads of organisations, seasoned entrepreneurs, members of the diplomatic community, traditional rulers and the academia from across Nigeria and beyond to deliberate and chart a common front towards building sustainable peace for a prosperous nation. According to the stakeholders, for the country to effectively curb the challenges of insecurity,sectional conflicts and youths restiveness, there is need to productively engage young Nigerians who constitute a chunk of its workforce. Amb. Kingsley Amafibe, Project Coordinator of Peace Ambassador Agency, organisers of the conference, said there was urgent need to create economic opportunities for Nigerian youth to get them productively occupied. “In fact, we are sitting on a time bomb and our leaders should take this very seriously, because our major problem is youth unemployment, as our youths are graduating from school every day without job, and even those who want to create the jobs as private individuals do not have access to finance. “I think everyone of our leaders knows what to do, because they all have a blueprint before they come into power, but very often when they get into power they forget these things. “They travel abroad and see how these things are done, but they come back to Nigeria and still subject people to poverty. “For the past 14 years, we have been able to impact and reach out to communities with our peace campaign and have over 1,000 children under our scholarship,” he said. Amafibe however urged Nigerian youths to take responsibility for themselves to build that future of their dreams through hard work and discipline, adding that the failure of successive governments to build a better society should not be an excuse for youths to remain unproductive. He said, “I take myself as an example and I like to share my story because I came to Abuja without nothing, but today I have been able to put things together. “The problem with many young people is that they tend to divert their attention to any trending opportunity without focusing their energy in one craft and say this is what I want to pursue,” he said. Mr Felix Achibiri, Executive Chairman, DFC Holdings Ltd,who spoke on Peace Building and through Sectoral Partnership, said youth economic empowerment was a catalyst for sustainable peace. He, however, noted that government alone cannot create jobs, adding that there was need for private organisations to take youth empowerment as part of their Corporate Social Responsibility “There is a clear nexus between job security and building a harmonious and peaceful environment or society, and there is also a need for the corporate sector to invest in community social responsibility. According to him, the government on this part has a greater role to play by making sure that an enabling environment is created for the private sector to thrive. “There is urgent need to embrace technology to unlock value because today, African digital economy is projected to hit about 185 billion dollars,so what are we doing as a nation to take advantage of this? “There is need to develop the ICT sector and set up incubation and acceleration centers in our primary schools and secondary schools, to unlock value and prepare our youth for the great ahead,” he said. Mr Michael Bartlett-Vanderpuye, President and Group Chairman M&C Group Global, said there was need for African youths to challenge themselves and take their future in their hands. “We have a dependent culture and it is across Africa where somebody is a university graduate but he is waiting for his father’s uncle’s friend who is in government to connect him to work. “In Europe and in the U.S., most of the time, by 16 years they are already selling, working at Walmart, and they are teaching them to be independent, not to be dependent. “In Africa, some of 40-year old men are still living in their father’s houses, and the father inherited it from the grandfather,so we have to cut that dependent culture to create avenues for wealth creation,” he said. Dr Victor Enebeli, Director of Studies, Justice Mary Odili Judicial Institute, said Nigeria’s leadership challenges were local and therefore need workable solutions that are unique to them. According to him, What Nigeria needs is a peace summit that involves the grassroots by involving the 774 local governments. “They will tell us what their problems are and what the solutions are , and at this point, we are not importing solutions anymore as we have the solutions here in Nigeria with us.” Highpoint of the day was the presentation of the Peace Achievers Awards to charitable individuals and organisations who have used their resources to positively affect society and the presentation of the ‘100 Most Notable Business Executive & Leadership Magazine and ‘The Rise of African Fashion Designers & Lifestyle’ by Amb.Kingsley Amafibe.

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LANDOVER, Md. (AP) — Allowing two kickoff return touchdowns and missing an extra point all in the final few minutes added up to the a third consecutive game in excruciating fashion. The underlying reason for this slide continuing was a problem long before that. An offense led by that was among the NFL's best for a long stretch of the season put up just nine points and 169 yards for the first three-plus quarters against Dallas before falling behind 20-9 and teeing off on the Cowboys' conservative defense. “We just couldn’t really get it going,” said , whose lengthy touchdown with 21 seconds left masked that he had just three catches for 16 yards through three quarters. “We’ve got to find a way to start faster and sustain drives, and that’s everybody: the whole coaching staff and the offensive players just going out there and figuring out ways that we can stay on the field.” This is not a new problem for Washington, which had a season-low 242 yards in a and 264 yards four days later at Philadelphia. Since returning from a rib injury that last month, Daniels has completed just under 61% of his passes, after 75.6% over his first seven professional starts. Daniels and have insisted this isn't about injury. The coaching staff blamed a lack of adequate practice time, but a full week of it before facing the Cowboys did not solve the problem. It is now fair to wonder if opponents have seen enough film of to figure it out. “I think teams and coordinators are going to see what other teams have success against us and try to figure out how they could incorporate that into their scheme," Daniels said after going 12 of 22 for 80 yards passing through three quarters in the Dallas game. "We’ve been in third and longer a lot these past couple games, so that’s kind of where you get into the exotic pressures and stuff like that. We’ve just got to be better on first and second downs and stay ahead of the chains.” Daniels has a point there, and it predates this losing streak. The Commanders have converted just 36% of third-down opportunities (27 for 75) over their past seven games after 52% (31 for 60) in their first five. That challenge doesn't get any easier with Tennessee coming to town Sunday. The Titans, despite being 3-8, have the second-best third-down defense in the league at 31.6%. The defense kept the Commanders in the game against Dallas, allowing just 10 points until the fourth quarter and 20 total before kickoff return touchdowns piled on to the other side of the scoreboard. Even Cooper Rush's 22-yard touchdown pass to Luke Schoonmaker with five minutes left came after a turnover that gave the Cowboys the ball at the Washington 44. The defense spending more than 35 minutes on the field certainly contributed to fatigue as play wore on. The running game that contributed to a 7-2 start has taken a hit, in part because of The Commanders got 145 yards on the ground because Daniels had 74 on seven carries, but running backs combined for just 57. Daniels could not say how much the rushing attack stalling has contributed to the offense going stagnant. “You’ve got to be able to run the ball, keep the defense honest,” he said. "We got to execute the plays that are called in, and we didn’t do a good job of doing that.” Linebacker Frankie Luvu keeps making the case to be Adam Peters' best free agent signing. He and fellow offseason addition tied for a team-high eight tackles, and Luvu also knocked down three passes against Dallas. Kicker Austin Seibert going wide left on the point-after attempt that would have tied the score with 21 seconds left was his third miss of the game. He also was short on a 51-yard field goal attempt and wide left on an earlier extra point. Seibert, signed a week into the season after Cade York struggled in the opener, and was 22 of 22 on extra points before injuring his right hip and missing the previous two games. He brushed off his health and the low snap from Tyler Ott while taking responsibility for not connecting. “I made the decision to play, and here we are,” Seibert said. “I just wasn’t striking it well. But it means a lot to me to be here with these guys, so I just want to put my best foot moving forward.” Robinson's sprained ankle and fellow running back from a late kickoff return that led to him being hospitalized for further evaluation are two major immediate concerns. Quinn said Monday that Ekeler and starting right tackle Andrew Wylie are in concussion protocol. It's unclear if Robinson will be available against Tennessee, which could mean Chris Rodriguez Jr. getting elevated from the practice squad to split carries with Jeremy McNichols. The Commanders still have not gotten cornerback Marshon Lattimore into a game since from New Orleans. from a hamstring injury, and the secondary could use him against Calvin Ridley, who's coming off at Houston. 17 — Handoffs to a running back against Dallas, a significant decrease from much of the season before this losing streak. Don't overlook the Titans with the late bye week coming immediately afterward. The Commanders opened as more than a touchdown favorite, but after the results over the weekend, BetMGM Sportsbook had it as 5 1/2 points Monday. AP NFL:AMC Entertainment Holdings announced on Monday that it achieved the highest domestic revenue in its 104-year history during the pre-Thanksgiving weekend - mainly because millions of Americans flocked to theaters nationwide to watch WICKED and GLADIATOR II. In a press release, AMC reported its " highest domestic revenue (admissions revenue plus food and beverage, including merchandise) on the weekend before Thanksgiving in AMC's 104-year history ." It also noted this marked " highest domestic admissions revenue on the weekend before Thanksgiving since 2019, and the third highest domestic admissions revenue on the weekend before Thanksgiving in AMC's history ." AMC recorded 4.6 million moviegoers across its US and international theaters from Thursday to Sunday . The world's largest movie theater chain operates 900 theaters with 10,000 screens globally, including 660 theaters and 8,200 screens in the US. "Naturally, we are pleased that at our US theatres , AMC just recorded our highest revenues for a pre-Thanksgiving weekend in AMC's entire history. Similarly, it is thoroughly satisfying that fully 4.6 million people graced our AMC Theatres in the US and Odeon Cinemas abroad over the just completed four days Thursday to Sunday. What a wonderful way to head into what we expect will be a busy and entertaining holiday moviegoing season ," AMC Chairman and CEO Adam Aron wrote in a statement. With the Goldman Most Shorted Index in a bull market year-to-date, up 27% as of Monday afternoon, everyone who cares asks whether the Reddit Army of Apes jumps back into 'meme' stock AMC... AMC has over $4 billion in long-term debt on the books and has refinanced and extended its maturities to 2029 and beyond. However, interest payments remain a massive burden on its bottom line. Eric Wold, analyst at B. Riley, recently noted, "They've taken moves to reduce their debt, but they still have a lot of debt and they're still paying pretty high interest rates on it." In the third quarter, AMC's revenue exceeded spending, but around $100 million in interest payments pushed the movie chain $21 million into the red for the period. Wold said, "I don't think it'll be consistently profitable for a number of years." However, the latest weekend performance highlights an improving box office environment. And what do hedge funds know? Instutional ownership is on the rise. Short interest has plateaued since mid-year. Current Bloomberg data shows about 13.5% of the float is short, equivalent to 48.6 million shares. The short-interest ratio jumped to 2023 highs above 8. Shares have been trading laterally for much of the year after the company took advantage of retail traders and completed ATM and debt-for-equity exchanges (see here & here ). Meanwhile, Google searches show the apes are more focused on crypto than 'meme' stocks... Will that all change?

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With the broader stock market indexes hovering around all-time highs, some investors may fear that a sell-off is creeping on the horizon in 2025. After all, equity prices have outpaced earnings growth, leading to a relatively expensive market . Valuation concerns could lead to a pullback in stock prices in 2025, but that doesn't mean investors should sell out of their positions or stop putting new capital to work in the market. However, folks should take great care to ensure they are investing in quality companies that can justify their valuations with earnings growth over time rather than chasing hot stocks to make a quick buck. Exchange-traded funds (ETFs) can be excellent ways to invest in the market while maintaining diversification. Investment management firm Vanguard offers several low-cost ETFs that target various themes and stock market sectors. Here's why the Vanguard Dividend Appreciation ETF ( VIG -0.71% ) , Vanguard Communications ETF ( VOX -1.12% ) , and the Vanguard S&P 500 ETF ( VOO -1.04% ) stand out as great buys now. Boost your passive income from dividend-growing companies The Vanguard Dividend Appreciation ETF focuses on companies that are well positioned to continue raising their dividends for years to come. Top holdings include Apple , Broadcom , JPMorgan Chase , and Microsoft . Apple and Microsoft have yields under 1%, but they have track records for raising their dividends, as well as repurchasing stock. Many of the top holdings in the ETF are well-known industry-leading companies. The fund's focus on earnings growth makes it an excellent choice for investors interested in quality rather than high-yield stocks at bargain-bin prices. Granted, many of the fund's top holdings are hovering around all-time highs and have seen their valuations expand. But the fund is well diversified, with just a 30.7% concentration in the top 10 holdings and no individual holding making up more than 5% of the fund. The Vanguard Dividend Appreciation ETF sports a yield of 1.7% -- which isn't high-yield territory , but it is better than the 1.2% yield from the S&P 500 . The communications sector offers a rare mix of growth and value The Vanguard Communications ETF mirrors the performance of the communications sector. The fund has been one of the best-performing Vanguard ETFs year to date -- up over 35%. And yet it is still a great value because many top communications stocks have impeccable earnings and cash flow growth. Meta Platforms , Alphabet , and Netflix are typically viewed as tech companies, but they are actually classified under the communications sector and dominate the Vanguard Communications ETF with a 52.4% combined weighting. The top 10 holdings in the fund, which include legacy media companies Walt Disney and Comcast , as well as telecom companies Verizon Communications , T-Mobile , and AT&T , make up 69.8% of the fund. The fund's heavy concentration in a handful of names means it is not very diversified and, therefore, only worth buying if you have high conviction in the top holdings -- especially Meta and Alphabet. Even though they are both hovering around all-time highs, Meta and Alphabet stand out as solid growth stocks to buy in 2025. As you can see in the following chart, both companies have reasonable forward price-to-earnings (P/E) ratios , especially compared to other megacap growth stocks. TSLA PE Ratio (Forward) data by YCharts Granted, forward P/E ratios should be taken with some skepticism, given that they are based on analyst consensus estimates for the next 12 months of earnings, which could vary wildly based on external factors, macroeconomic conditions, or company decision-making. But still, the fact that Meta and Alphabet are less expensive than other megacap growth stocks despite running up so much over the last couple of years makes them appealing choices for investors concerned with the valuations of tech-focused companies. Given that Meta and Alphabet depend on advertising revenue, it's worth understanding that their earnings could take a hit during a general economic downturn. However, folks who believe platforms like Alphabet-owned Google and YouTube or Meta-owned Instagram will continue growing their market share of the advertising industry should consider buying and holding the Vanguard Communications ETF through periods of volatility. A plug-and-play tool for putting your hard-earned savings to work With $1.37 trillion in net assets, the Vanguard S&P 500 ETF is one of the largest S&P 500 index funds on the market. The fund sports an expense ratio of just 0.03%, or $3 for every $10,000 invested. By comparison, the Vanguard Communications ETF has an expense ratio of 0.1% and the Vanguard Dividend Appreciation ETF has an expense ratio of 0.06%. The Vanguard S&P 500 ETF mirrors the performance of the S&P 500, which has become more top-heavy in recent years as the largest companies have grown progressively more valuable and outpaced the gains of the rest of the index. The top 10 holdings in the S&P 500, which are Apple, Nvidia , Microsoft, Amazon , Alphabet, Meta Platforms, Tesla , Berkshire Hathaway , Broadcom, and JPMorgan Chase, now make up a whopping 36.2% of the entire index. While some investors may feel like there are better ways to put capital to work than buying top growth stocks around all-time highs, it's important to understand that valuations can become reasonable over time so long as the companies grow earnings. For the most part, today's top growth stocks are growing profits and have long runways for future earnings growth . So, while top growth stocks may look expensive right now and could produce lousy returns in the short term, they should still be excellent long-term investments . Therefore, folks with ultra-long investment time horizons should still consider investing in an S&P 500 index fund. Three ETFs centered around industry-leading companies The Vanguard Appreciation ETF, Vanguard Communications ETF, and the Vanguard S&P 500 ETF are all hovering around all-time highs. But they could still be worth buying even if there is a sell-off in 2025 because all three funds focus on industry-leading, quality businesses. Even the best companies can see an earnings slowdown during an economic downturn. However, leading companies have many advantages during a downturn that can allow them to take market share, buy out companies cheaply, or continue to invest in research and development when competitors struggle to get by. No one knows what the market will do in 2025, but investing in quality companies -- or ETFs holding quality companies -- is a recipe for long-term wealth building. So despite big gains in recent years, long-term investors should still consider buying the Vanguard Appreciation ETF, Vanguard Communications ETF, and the Vanguard S&P 500 ETF, even if there is a market sell-off in 2025.

LAS VEGAS — Players Era Festival organizers have done what so many other have tried — bet their fortunes in this city that a big payoff is coming. Such bet are usually bad ones, which is why so many massive casino-resorts have been built on Las Vegas Boulevard. But it doesn't mean the organizers are wrong. They're counting on the minimum of $1 million in guaranteed name, image and likeness money that will go to each of the eight teams competing in the neutral-site tournament that begins Tuesday will create a precedent for other such events. EverWonder Studios CEO Ian Orefice, who co-founded Players with former AND1 CEO Seth Berger, compared this event to last year's inaugural NBA In-Season Tournament that played its semifinals and final in Las Vegas by saying it "did really well to reinvigorate the fan base at the beginning of the year." "We're excited that we're able to really change the paradigm in college basketball on the economics," Orefice said. "But for us, it's about the long term. How do we use the momentum that is launching with the 2024 Players Era Festival and be the catalyst not to change one event, but to change college basketball for the future." Orefice and Berger didn't disclose financial details, but said the event will come close to breaking even this year and that revenue is in eight figures. Orefice said the bulk of the revenue will come from relationships with MGM, TNT Sports and Publicis Sport & Entertainment as well as sponsors that will be announced later. Both organizers said they are so bullish on the tournament's prospects that they already are planning ahead. Money made from this year's event, Orefice said, goes right back into the company. "We're really in this for the long haul," Orefice said. "So we're not looking at it on a one-year basis." Rick Giles is president of the Gazelle Group, which also operates several similar events, including the College Basketball Invitational. He was skeptical the financial numbers would work. Giles said in addition to more than $8 million going to the players, there were other expenses such as the guarantees to the teams. He said he didn't know if the tournament would make up the difference with ticket sales, broadcast rights and sponsorship money. The top bowl of the MGM Grand Garden Arena will be curtained off. "The math is highly challenging," Giles said. "Attendance and ticket revenues are not going to come anywhere close to covering that. They haven't announced any sponsors that I'm aware of. So it all sort of rests with their media deal with Turner and how much capital they want to commit to it to get these players paid." David Carter, a University of Southern California adjunct professor who also runs the Sports Business Group consultancy, said even if the Players isn't a financial success this year, the question is whether there will be enough interest to move forward. "If there is bandwidth for another tournament and if the TV or the streaming ratings are going to be there and people are going to want to attend and companies are going to want to sponsor, then, yeah, it's probably going to work," Carter said. "But it may take them time to gain that traction." Both founders said they initially were met with skepticism about putting together such an event, especially from teams they were interested in inviting. Houston was the first school to commit, first offering an oral pledge early in the year and then signing a contract in April. That created momentum for others to join, and including the No. 6 Cougars, half the field is ranked. "We have the relationships to operate a great event," Berger said. "We had to get coaches over those hurdles, and once they knew that we were real, schools got on board really quickly." The founders worked with the NCAA to make sure the tournament abided by that organization's rules, so players must appear at ancillary events in order to receive NIL money. Strict pay for play is not allowed, though there are incentives for performance. The champion, for example, will receive $1.5 million in NIL money. Now the pressure is on to pull off the event and not create the kind of headlines that can dog it for years to come. "I think everybody in the marketplace is watching what's going to happen (this) week and, more importantly, what happens afterwards," Giles said. "Do the players get paid on a timely basis? And if they do, that means that Turner or somebody has paid way more than the market dictates? And the question will be: Can that continue?" CREIGHTON: P oint guard Steven Ashworth likely won’t play in the No. 21 Bluejays’ game against San Diego State in the Players Era Festival in Las Vegas. Ashworth sprained his right ankle late in a loss to Nebraska on Friday and coach Greg McDermott said afterward he didn’t know how long he would be out. Get local news delivered to your inbox!How many people’s blood do you need: Asaduddin Owaisi reacts to Sambhal violence

India’s Image Now Transformed Into World’s ‘Deep Tech Hub’ From ‘IT Outsourcing Centre’ Due to Government’s Reforms: Petroleum Minister Hardeep Singh PuriLove, lust and billion-dollar trust funds: How one of Australia's richest dynasties is about to have its dirty laundry aired for all to see - and then there is bombshell nude pics row...CHICAGO, Nov. 21, 2024 (GLOBE NEWSWIRE) -- ACH remains a popular payment method for B2B finance operations. At the same time, ACH is one of the most commonly and easily defrauded forms of payment. Victim organizations risk significant losses, compromised reputation and possible legal consequences. Bectran, Inc. , the credit, collections and accounts receivable platform leading the way in fraud prevention, has partnered with GIACT, part of the London Stock Exchange Group and the leader in helping companies positively identify and authenticate customers, to offer robust, persistent protection against ACH fraud for credit departments. "Partnering with GIACT marks a significant step in Bectran's commitment to streamlining credit risk management,” comments Bectran's CEO, Louis Ifeguni. "Identifying potential ACH fraud automatically and reliably gives departments a profound additional security in their decisioning.” Know Your Business Many credit departments collect ACH forms on their credit applications. Requests backed by valid bank accounts should represent a lower risk, making decisioning quick and more confident. Without verification, though, unstable or stolen bank account information can easily pass as trustworthy - garnering quick approvals. While such ACH fraud has historically been associated mostly with consumer transactions, more and more scammers have begun targeting B2B credit, lured by the high-dollar transactions and relative ease of ACH forgery. Even departments that do verify ACH may still be vulnerable. Some services use outdated databases to check account funding and standing. Few services include the ability to match applicants to account owners, meaning applications could be approved based on stolen credentials. Protect It Automatically With GIACT , Bectran provides users leading coverage for account verification and ACH fraud prevention. GIACT's real-time account checks keep credit reviews and customer experience running smoothly. At the same time, as part of the London Stock Exchange Group (LSEG), GIACT has access to the largest bank account database in the US, giving credit departments more confidence and security in their decisions. Bectran utilizes GIACT to give creditors two layers of account validation. The first verifies each account's status, indicating whether the account is open and whether it has any risk indicators such as recent returns or insufficient funds notices. The second attempts to authenticate the account, comparing the applicant information with the account owner's information when available, which can help catch applicants using stolen bank account information. Bectran combine these checks and presents them seamlessly in the credit workflow, aiding departments in protecting their businesses. Bectran automatically flags transactions indicated by GIACT as high-risk and provides a report of GIACT's findings on each application. Backed by Bectran and GIACT, credit departments can more quickly and confidently identify safe accounts while assessing risky transactions with more reliable and complete information. "GIACT brings the trustworthiness of the London Stock Exchange Group to credit departments using ACH,” says Ali Kidwai, Product & Implementation Sr. Manager, Bectran. "You can move through credit reviews faster and more securely, trusting that bank accounts are verified thoroughly.” Learn more about Bectran's partnership with GIACT, and about Bectran's full fraud prevention suite, at Bectran.com . About GIACT GIACT is part of the London Stock Exchange Group, one of the world's leading providers of financial markets infrastructure. GIACT's account and identity verification solutions enable businesses to verify accounts quickly and seamlessly so that they and their customers can transact with confidence. With GIACT's integrated bank database and open banking solution, businesses can verify accounts, safeguard payments and reduce unauthorized returns - all in real time. About Bectran Bectran is the premier SaaS platform for Finance Departments, akin to CRM for Sales. Trusted by diverse organizations, from SMEs to Fortune 500 companies, we streamline credit processing by over 98%, reducing credit defaults and collection costs. Many businesses rely on Bectran for efficient Accounts Receivable and Collections management, achieving up to 95% cost savings. With rapid onboarding in days, our platform is hailed by credit professionals as the future of credit management. Visit Bectran.com to learn more about financial solutions for your industry. CONTACT: Contact Bectran Inc 224-231-4160 [email protected]

Some quotations from Jimmy Carter . We have a tendency to exalt ourselves and to dwell on the weaknesses and mistakes of others. I have come to realize that in every person there is something fine and pure and noble, along with a desire for self-fulfillment. Political and religious leaders must attempt to provide a society within which these human attributes can be nurtured and enhanced. — from 1975 book “Why Not the Best?” Our government can express the highest common ideals of human beings — if we demand of government true standards of excellence. At this Bicentennial time of introspection and concern, we must demand such standards. — “Why Not the Best?” I am a Southerner and an American, I am a farmer, an engineer, a father and husband, a Christian, a politician and former governor, a planner, a businessman, a nuclear physicist, a naval officer, a canoeist, and among other things a lover of Bob Dylan’s songs and Dylan Thomas’s poetry. — “Why Not the Best?” Christ said, “I tell you that anyone who looks on a woman with lust has in his heart already committed adultery.” I’ve looked on a lot of women with lust. I’ve committed adultery in my heart many times. This is something that God recognizes I will do — and I have done it — and God forgives me for it. But that doesn’t mean that I condemn someone who not only looks on a woman with lust but who leaves his wife and shacks up with somebody out of wedlock. — Interview, November 1976 Playboy. This inauguration ceremony marks a new beginning, a new dedication within our Government, and a new spirit among us all. A President may sense and proclaim that new spirit, but only a people can provide it. — Inaugural address, January 1977. It’s clear that the true problems of our nation are much deeper — deeper than gasoline lines or energy shortages, deeper even than inflation and recession. ... All the legislation in the world can’t fix what’s wrong with America. ... It is a crisis of confidence. — So-called “malaise” speech, July 1979. But we know that democracy is always an unfinished creation. Each generation must renew its foundations. Each generation must rediscover the meaning of this hallowed vision in the light of its own modern challenges. For this generation, ours, life is nuclear survival; liberty is human rights; the pursuit of happiness is a planet whose resources are devoted to the physical and spiritual nourishment of its inhabitants. — Farewell Address, January 1981. We appreciate the past. We are grateful for the present and we’re looking forward to the future with great anticipation and commitment. — October 1986, at the dedication of the Carter Presidential Library and Museum. War may sometimes be a necessary evil. But no matter how necessary, it is always an evil, never a good. We will not learn to live together in peace by killing each other’s children. — December 2002, Nobel Peace Prize acceptance speech. Fundamentalists have become increasingly influential in both religion and government, and have managed to change the nuances and subtleties of historic debate into black-and-white rigidities and the personal derogation of those who dare to disagree. ... The influence of these various trends poses a threat to many of our nation’s historic customs and moral commitments, both in government and in houses of worship. — From 2005 book “Our Endangered Values.” I think that this breakthrough by Barack Obama has been remarkable. When he made his speech (on race) a few months ago in Philadelphia, I wept. I sat in front of the television and cried, because I saw that as the most enlightening and transforming analysis of racism and a potential end of it that I ever saw in my life. — August 2008, commenting on then-Sen. Barack Obama’s candidacy. I think it’s based on racism. There is an inherent feeling among many in this country that an African-American should not be president. ... No matter who he is or how much we disagree with his policies, the president should be treated with respect. — September 2009, reacting to Rep. Joe Wilson’s shout of “You lie!” during a speech to Congress by President Barack Obama. I’m still determined to outlive the last guinea worm. — 2010, on The Carter Center’s work to eradicate guinea worm disease. You know how much I raised to run against Gerald Ford? Zero. You know how much I raised to run against Ronald Reagan? Zero. You know how much will be raised this year by all presidential, Senate and House campaigns? $6 billion. That’s 6,000 millions. — September 2012, reacting to the 2010 “Citizens United” U.S. Supreme Court decision permitting unlimited third-party political spending. I have become convinced that the most serious and unaddressed worldwide challenge is the deprivation and abuse of women and girls, largely caused by a false interpretation of carefully selected religious texts and a growing tolerance of violence and warfare, unfortunately following the example set during my lifetime by the United States. — From 2014 book “A Call to Action.” I don’t think there’s any doubt now that the NSA or other agencies monitor or record almost every telephone call made in the United States, including cellphones, and I presume email as well. We’ve gone a long way down the road of violating Americans’ basic civil rights, as far as privacy is concerned. — March 2014, commenting on U.S. intelligence monitoring after the Sept. 11, 2001, terror attacks We accept self-congratulations about the wonderful 50th anniversary - which is wonderful - but we feel like Lyndon Johnson did it and we don’t have to do anything anymore. — April 2014, commenting on racial inequality during a celebration of the Civil Rights Act’s 40th anniversary. I had a very challenging question at Emory (University) the other night: “How would you describe the United States of America today in one word?” And I didn’t know what to say for a few moments, but I finally said, “Searching.” I think the country in which we live is still searching for what it ought to be, and what it can be, and I’m not sure we’re making much progress right at this moment. — October 2014 during a celebration of his 90th birthday. The life we have now is the best of all. We have an expanding and harmonious family, a rich life in our church and the Plains community, and a diversity of projects at The Carter Center that is adventurous and exciting. Rosalynn and I have visited more than 145 countries, and both of us are as active as we have ever been. We are blessed with good health and look to the future with eagerness and confidence, but are prepared for inevitable adversity when it comes. — From 2015 book, “A Full Life.”Topline Former Fox News host Pete Hegseth received a net-positive reaction to his nomination as Defense secretary in a poll released Sunday, despite a sexual assault allegation—which he denies—that could complicate his Senate confirmation process. Key Facts What To Watch For Hegseth and Vice President-elect JD Vance are lobbying lawmakers on Capitol Hill, and other GOP senators have expressed support, including Sen. John Barrasso, R-Wyo., who met with Hegseth on Thursday and told Politico he is a “strong nominee” who “pledged that the Pentagon will focus on strength and hard power—not the current administration’s woke political agenda.” What Are The Allegations Against Hegseth? The sexual assault allegations first surfaced several days after Trump announced Hegseth as his pick to lead the defense department via a memo sent to his transition team from a woman who said she was friends with the accuser. The memo reportedly contains similar details to those in the police report. The accuser told police she went to the hospital, where a rape kit was performed, after having flashbacks to the incident several days after returning home from the conference, according to the police report. What Is Hegseth’s Response To The Allegations? Hegseth has firmly denied the allegations through his lawyer, Timothy Parlatore, who said Hegseth paid the woman a settlement in 2020 as part of a nondisclosure agreement. Parlatore said Hegseth entered into the agreement when he learned the woman and her husband hired a lawyer and told other people she planned to file a lawsuit against him. Hegseth told police he was intoxicated that night and did not know why the accuser returned to his hotel room with him, but that they had consensual sex, according to the police report. He said the woman “showed early signs of regret” the next morning, and he assured her that he would not tell anyone about the encounter, the report states. Has Hegseth Been Charged With A Crime? No. Police recommended the case to the Monterey County District Attorney’s Office for review, but charges were never filed. What Has Trump Said About Hegseth? Trump called Hegseth a “warrior” and “a true believer in America First” in a statement announcing the nomination on Nov. 12. The statement touts his service in the Army National Guard and his deployments to Guantanamo Bay, Iraq and Afghanistan, along with his eight years as a Fox News host. A spokesperson for Trump’s transition team told the Associated Press in response to the police report being made public Thursday it “corroborates what Mr. Hegseth’s attorneys have said all along: the incident was fully investigated and no charges were filed because police found the allegations to be false.” The report does not say whether officials made a determination about the allegations. What Are Hegseth’s Views On The Military? Hegseth—who served in the National Guard—has argued women should not serve in combat roles, drawing some criticism . He’s also publicly and privately advocated for members of the military accused of war crimes. The Guardian reported Friday that Hegseth, who would oversee the military, wrote in his 2020 book “American Crusade” that if President Joe Biden won the election, the military and police would be “forced to make a choice” and that there would be “some form of civil war.” Trump has previously suggested he would use the military to go after domestic political opponents, which he described as “the enemy from within.” Further Reading New Sexual Assault Allegation Details Against Pete Hegseth Emerge: Here’s What To Know As Trump Defends Defense Secretary Nominee (Forbes) Police Report Details 2017 Sexual Assault Allegation Against Pete Hegseth (Forbes) Trump’s Defense Secretary Pick Pete Hegseth Named In 2017 Sexual Assault Probe (Forbes)