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As anticipation builds for the release of "PIONER," fans of the MMO genre can look forward to a gaming experience that is both immersive and challenging. With its stunning visuals, engaging storyline, and innovative gameplay mechanics, "PIONER" is set to make a mark in the world of online gaming. Stay tuned for more updates and get ready to embark on an epic adventure in the world of "PIONER"!
A16z-backed Toka wants to help US agencies hack into security cameras and other IoT devicesWASHINGTON — Treasury Secretary Janet Yellen said her agency will need to start taking “extraordinary measures,” or special accounting maneuvers intended to prevent the nation from hitting the debt ceiling , as early as January 14, in a letter sent to congressional leaders Friday afternoon. "Treasury expects to hit the statutory debt ceiling between January 14 and January 23," she wrote in a letter addressed to House and Senate leadership, at which point extraordinary measures would be used to prevent the government from breaching the nation's debt ceiling — which was suspended until Jan. 1, 2025. The department in the past deployed what are known as “extraordinary measures” or accounting maneuvers to keep the government operating. Once those measures run out, the government risks defaulting on its debt unless lawmakers and the president agree to lift the limit on the U.S. government’s ability to borrow. "I respectfully urge Congress to act to protect the full faith and credit of the United States," Yellen said. FILE - U.S. Treasury Secretary Janet Yellen speaks during a visit to the Financial Crimes Enforcement Network (FinCEN) in Vienna, Va., on Jan. 8, 2024. (AP Photo/Susan Walsh, File) The news came after Democratic President Joe Biden signed a bill into law last week that averted a government shutdown but did not include Republican President-elect Donald Trump’s core debt demand to raise or suspend the nation’s debt limit. Congress approved the bill only after a fierce internal debate among Republicans over how to handle Trump's demand. “Anything else is a betrayal of our country,” Trump said in a statement. After a protracted debate in the summer of 2023 over how to fund the government, policymakers crafted the Fiscal Responsibility Act, which included suspending the nation's $31.4 trillion borrowing authority until Jan. 1, 2025. Notably however, Yellen said, on Jan. 2 the debt is projected to temporarily decrease due to a scheduled redemption of nonmarketable securities held by a federal trust fund associated with Medicare payments. As a result, “Treasury does not expect that it will be necessary to start taking extraordinary measures on January 2 to prevent the United States from defaulting on its obligations," she said. The federal debt stands at about $36 trillion — after ballooning across both Republican and Democratic administrations. The spike in inflation after the COVID-19 pandemic pushed up government borrowing costs such that debt service next year will exceed spending on national security. Republicans, who will have full control of the White House, House and Senate in the new year, have big plans to extend Trump's 2017 tax cuts and other priorities but are debating over how to pay for them. Many consumers may remember receiving their first credit card, either years ago in a plain envelope, or months ago from a smartphone app. Still other consumers may remember their newest card, maybe because it's the credit card they're now using exclusively to maximize cash back rewards or airline miles. But for most consumers, there's also a murky in-between where they add, drop and generally accumulate credit cards over time. Over the years, consumers may close some credit card accounts or leave some of their credit cards dormant as a backup form of payment, or perhaps left forgotten in a desk drawer. In the data below, Experian reveals the changes in consumers wallets in recent years. U.S. consumers, on average, carry fewer cards today than they did in 2017, when the typical wallet held 4.2 active credit cards. As of the third quarter (Q3) of 2023, consumers carried 3.9 cards on average. This average is up slightly since the early days of the pandemic, when consumers reduced their average credit card debt and number of accounts as the economy slowed. As Experian revealed earlier this year, credit card balances are still climbing, despite (and partially because of) higher interest rates. And while average balances are increasing, they are spread across fewer accounts than in recent years. Alternative financing—including buy now, pay later plans for purchases—may account for at least some of this discrepancy, as consumers gravitate toward these newer financing methods. In general, residents of higher-population states tend to carry more credit cards than those who live in states with fewer and smaller population centers. Nonetheless, the difference between the states is relatively small. Considering that the national average is around four credit cards per consumer, the four states with the fewest cards per consumer (Alaska, South Dakota, Vermont and Wyoming) aren't appreciably different, with "only" about 3.3 credit cards per consumer. Similarly, the four states on the higher end of the scale where consumers have 4.2 or more credit cards are Connecticut, Delaware, Florida, New Jersey and Rhode Island. The disparity in average credit card counts is more apparent when the population is segmented by age, thanks in part to Generation Z, many of whom have yet to receive their first credit card. The average number of credit cards for these consumers was two, less than half of what older generations keep on hand. The average number of credit cards held by each generation follows the familiar pattern seen in credit card balances, which tend to increase in a consumer's middle age. It's not surprising that the number of credit card accounts follows a similar climb throughout young adulthood and middle age, then drops off in the retirement years. No matter how many credit cards you may have at the moment, keep in mind that the number of accounts has little if any bearing on one's FICO Score. Far more important is how consumers manage those accounts. This is easily demonstrable by quickly stepping through some of the factors that affect your credit scores . Longer credit histories do tend to have a positive effect on a consumer's credit score, but it's not something you can rush. Adhering to on-time payments and managing amounts owed will go far in improving credit scores, even absent a lengthy credit history. While accounts closed in good standing remain on your credit report for 10 years, canceling your oldest credit card account still has the potential to shorten your credit history when it is eventually removed. The impact of its removal depends on any other active credit cards in your credit file. Ultimately, the number of cards a particular individual carries is a personal decision. Justifications can be found for carrying a travel rewards card, a cash back card, a balance transfer card, a card for business transactions and other types of credit cards that other consumers may not have either the need or qualifications for. However, keeping track of numerous credit cards, whether or not a consumer is actively using all of them, can be a mentally taxing exercise. Not only that, credit card fees can add up and dull the benefit of carrying several credit cards. Organized consumers can benefit greatly from a wallet full of specialized cards, but for those seeking a more zen-like financial future, some judicial pruning may be in order. Methodology: The analysis results provided are based on an Experian-created statistically relevant aggregate sampling of our consumer credit database that may include use of the FICO Score 8 version. Different sampling parameters may generate different findings compared with other similar analysis. Analyzed credit data did not contain personal identification information. Metro areas group counties and cities into specific geographic areas for population censuses and compilations of related statistical data. This story was produced by Experian and reviewed and distributed by Stacker Media. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
NonePublished 4:42 pm Friday, November 22, 2024 By Rocky Hulne OFFENSE Camden Hungerholt, quarterback, LeRoy- Ostrander/Lyle-Pacelli The senior is a Top 10 Mr. Football Finalist, member of the Minnesota Vikings All-State Team and a North/South All Star game selection. Hungerholt was a menace on the ground as he ran for 2,846 yards (12.9 per carry) and he threw for 2,421 yards and 34 TDs. Hungerholt finishes his career with 11,984 all purpose yards and 147 total touchdowns. His 5,267 all purpose yards are the most ever in a season in Minnesota, according to the Minnesota Football Coach’s Association. LeRoy-Ostrander/Lyle-Pacelli’s Camden Hungerholt braces to be hit on a carry against Kingsland in the Section 1A Nine Man championship. Brady Kittelson, running back, Blooming Prairie The explosive playmaker was BP’s quarterback but his athleticism was on display with the Awesome Blossoms as he ran for 930 yards (13.7 per carry) and 13 TDs. As a quarterback, Kittelson connected on 60 percent of his passes for 1,814 yards, 23 TDs and five interceptions. Henry Wiste, running back, Southland The sophomore quarterback found his footing this season as he ran for 372 yards (3.3 per carry), while throwing for 1,463 yards and 17 scores. Dylan Christianson, offensive line, LeRoy-Ostrander/ Lyle-Pacelli The senior led a ground attack that ran for over 4,000 yards on the season. Owen Krueger, offensive line, Blooming Prairie The senior allowed just one sack as he anchored BP’s line all season. Vincent Hernandez, offensive line, Blooming Prairie The senior battled up front in the run game and passing game for the high powered Blossom offense. Hunter Tapia, offensive line, Austin The senior was a consistent force in the middle. Sam Winkels, offensive line, Austin The senior was the most physical player for the Packers up front. Lukas Loverink, wide receiver, Blooming Prairie The senior was a big target over the middle for the Awesome Blossoms as he hauled in 41 passes for 813 yards and nine scores. Loverink also chipped in in the running game as he had 88 rushing yards (4.9 per carry) and six TDs. Carter Sweeney, wide receiver, LeRoy-Ostrander/Lyle-Pacelli The senior was Hungerholt’s top target as he caught 50 passes for 861 yards and 13 TDs. Kaleb Yunker, wide receiver, Southland The senior was a big playmaker for the Rebels. He caught 32 passes for 574 yards and seven TDs. DEFENSE Dylan Christianson, defensive line, LeRoy-Ostrander/ Lyle-Pacelli The senior had a huge season in his first year as a Cardinal as he finished with 100 tackles, 17 tackles for a loss, 13.5 sacks and two fumble recoveries. Lukas Loverink, defensive line, Blooming Prairie The senior had 71.5 tackles, 16 tackles for a loss, 7.5 sacks, two fumbles forced, and one fumble recovered. Rob Lillis, defensive end, Austin The junior had 42 tackles, four tackles for loss and a sack. Sam Winkels, linebacker, Austin The senior finished with 108 tackles, eight tackles for a loss, one sack and one interception. Alex Lea, linebacker, Blooming Prairie The four-year starter finished with 94 tackles, 15 tackles for a loss, 3.5 sacks, one interception, one fumble forced, one fumble recovered and one TD. Tyson Stevens, linebacker, LeRoy-Ostrander/Lyle-Pacelli The senior had 112 tackles, seven tackles for a loss, three interceptions, .5 sacks and two forced fumbles. Ryder Stern, linebacker, Leroy-Ostrander/Lyle-Pacelli The senior led an aggressive defensive front for the Cardinals as he finished with 139 tackles, 18 tackles for a loss, 12 sacks, one interception, eight forced fumbles and two fumble recoveries. Carter Sweeney, defensive back, LeRoy/Ostrander/ Lyle-Pacelli The senior had 59 tackles, five tackles for a loss, three interceptions and three defensive TDs. Camden Hungerholt, defensive back, LeRoy-Ostrander /Lyle-Pacelli The senior was the leader in the secondary for the Cardinals as he collected 94 tackles, 1.5 sacks, four interceptions, one fumble forced and one fumble recovery. Brady Kittelson, defensive back, Blooming Prairie The senior picked off five passes, including three for scores. He also had 37 tackles and one fumble recovery. Royce Jax, defensive back, Southland The junior had 121 tackles and one forced fumble. HONORABLE MENTION Isaac Anderson, defensive back, Austin The senior had 42 tackles and one tackle for a loss. Ryder Stern, tight end, LeRoy-Ostrander/Lyle-Pacelli The senior helped make the calls on the offensive line and he was also effective when he get the chance as he caught nine passes for 285 yards for six TDs. Tyson Stevens, running back, LeRoy-Ostrander/Lyle-Pacelli The senior ran for 504 yards and eight TDs, while catching 14 passes for 279 yards and three scores. Alex Lea, tight end, Blooming Prairie The senior caught 17 passes for 221 yards and five TDs. Bradley Boyd, wide receiver/defensive back, Blooming Prairie The senior caught 21 passes for 368 yards and four TDs, while contributing 22 tackles, one tackle for a loss and six passes defensed on defense. Cooper Cooke, offensive line/defensive line, Blooming Prairie The senior had 20 tackles, one sack and four tackles for a loss on defense. Beau Sathre, linebacker/ running back, Southland The sophomore had 72 tackles, three sacks, two interceptions and one fumble recovery. On offense, he ran for 231 yards and three scores and he caught 24 passes for 364 yards and three TDs. Kaleb Yunker, defensive back, Southland The senior had 50 tackles, two interceptions, two fumbles forced and one fumble recovery. Lawson Jax, offensive/ defensive line, Southland The senior was a solid blocker up front and he had 47 tackles, four sacks and two fumble recoveries on defense. Cam Forthun, offensive/ defensive line, Southland The sophomore had 30 tackles and four sacks. Halen Schumann, defensive end, Grand Meadow The senior was in on 70 tackles, one sack and one fumble recovery. Nate Fretty, linebacker, Grand Meadow The senior had 67 tackles on the season.As the debate surrounding head injuries in football continues to unfold, it is essential that stakeholders across the football industry work together to address this critical issue and ensure that the health and safety of players remain paramount. Through collaborative efforts, increased awareness, and concrete actions, the football community can pave the way for a safer and more sustainable future for all those involved in the beautiful game.
With the rapid evolution of the tech industry and the ever-increasing demand for faster, more efficient connectivity, the emergence of 6G technology has been eagerly anticipated by industry experts and consumers alike. Building upon the foundation laid by its predecessors, 6G is poised to revolutionize the way we interact with technology, offering unparalleled speeds, lower latency, and a host of new possibilities for communication and collaboration.
The cutest iPhone charger ever is 30 percent off and you absolutely need itMen’s basketball: CU Buffs sharing the wealth on offense
WASHINGTON — Treasury Secretary Janet Yellen said her agency will need to start taking “extraordinary measures,” or special accounting maneuvers intended to prevent the nation from hitting the debt ceiling , as early as January 14, in a letter sent to congressional leaders Friday afternoon. "Treasury expects to hit the statutory debt ceiling between January 14 and January 23," she wrote in a letter addressed to House and Senate leadership, at which point extraordinary measures would be used to prevent the government from breaching the nation's debt ceiling — which was suspended until Jan. 1, 2025. The department in the past deployed what are known as “extraordinary measures” or accounting maneuvers to keep the government operating. Once those measures run out, the government risks defaulting on its debt unless lawmakers and the president agree to lift the limit on the U.S. government’s ability to borrow. "I respectfully urge Congress to act to protect the full faith and credit of the United States," Yellen said. FILE - U.S. Treasury Secretary Janet Yellen speaks during a visit to the Financial Crimes Enforcement Network (FinCEN) in Vienna, Va., on Jan. 8, 2024. (AP Photo/Susan Walsh, File) The news came after Democratic President Joe Biden signed a bill into law last week that averted a government shutdown but did not include Republican President-elect Donald Trump’s core debt demand to raise or suspend the nation’s debt limit. Congress approved the bill only after a fierce internal debate among Republicans over how to handle Trump's demand. “Anything else is a betrayal of our country,” Trump said in a statement. After a protracted debate in the summer of 2023 over how to fund the government, policymakers crafted the Fiscal Responsibility Act, which included suspending the nation's $31.4 trillion borrowing authority until Jan. 1, 2025. Notably however, Yellen said, on Jan. 2 the debt is projected to temporarily decrease due to a scheduled redemption of nonmarketable securities held by a federal trust fund associated with Medicare payments. As a result, “Treasury does not expect that it will be necessary to start taking extraordinary measures on January 2 to prevent the United States from defaulting on its obligations," she said. The federal debt stands at about $36 trillion — after ballooning across both Republican and Democratic administrations. The spike in inflation after the COVID-19 pandemic pushed up government borrowing costs such that debt service next year will exceed spending on national security. Republicans, who will have full control of the White House, House and Senate in the new year, have big plans to extend Trump's 2017 tax cuts and other priorities but are debating over how to pay for them. Many consumers may remember receiving their first credit card, either years ago in a plain envelope, or months ago from a smartphone app. Still other consumers may remember their newest card, maybe because it's the credit card they're now using exclusively to maximize cash back rewards or airline miles. But for most consumers, there's also a murky in-between where they add, drop and generally accumulate credit cards over time. Over the years, consumers may close some credit card accounts or leave some of their credit cards dormant as a backup form of payment, or perhaps left forgotten in a desk drawer. In the data below, Experian reveals the changes in consumers wallets in recent years. U.S. consumers, on average, carry fewer cards today than they did in 2017, when the typical wallet held 4.2 active credit cards. As of the third quarter (Q3) of 2023, consumers carried 3.9 cards on average. This average is up slightly since the early days of the pandemic, when consumers reduced their average credit card debt and number of accounts as the economy slowed. As Experian revealed earlier this year, credit card balances are still climbing, despite (and partially because of) higher interest rates. And while average balances are increasing, they are spread across fewer accounts than in recent years. Alternative financing—including buy now, pay later plans for purchases—may account for at least some of this discrepancy, as consumers gravitate toward these newer financing methods. In general, residents of higher-population states tend to carry more credit cards than those who live in states with fewer and smaller population centers. Nonetheless, the difference between the states is relatively small. Considering that the national average is around four credit cards per consumer, the four states with the fewest cards per consumer (Alaska, South Dakota, Vermont and Wyoming) aren't appreciably different, with "only" about 3.3 credit cards per consumer. Similarly, the four states on the higher end of the scale where consumers have 4.2 or more credit cards are Connecticut, Delaware, Florida, New Jersey and Rhode Island. The disparity in average credit card counts is more apparent when the population is segmented by age, thanks in part to Generation Z, many of whom have yet to receive their first credit card. The average number of credit cards for these consumers was two, less than half of what older generations keep on hand. The average number of credit cards held by each generation follows the familiar pattern seen in credit card balances, which tend to increase in a consumer's middle age. It's not surprising that the number of credit card accounts follows a similar climb throughout young adulthood and middle age, then drops off in the retirement years. No matter how many credit cards you may have at the moment, keep in mind that the number of accounts has little if any bearing on one's FICO Score. Far more important is how consumers manage those accounts. This is easily demonstrable by quickly stepping through some of the factors that affect your credit scores . Longer credit histories do tend to have a positive effect on a consumer's credit score, but it's not something you can rush. Adhering to on-time payments and managing amounts owed will go far in improving credit scores, even absent a lengthy credit history. While accounts closed in good standing remain on your credit report for 10 years, canceling your oldest credit card account still has the potential to shorten your credit history when it is eventually removed. The impact of its removal depends on any other active credit cards in your credit file. Ultimately, the number of cards a particular individual carries is a personal decision. Justifications can be found for carrying a travel rewards card, a cash back card, a balance transfer card, a card for business transactions and other types of credit cards that other consumers may not have either the need or qualifications for. However, keeping track of numerous credit cards, whether or not a consumer is actively using all of them, can be a mentally taxing exercise. Not only that, credit card fees can add up and dull the benefit of carrying several credit cards. Organized consumers can benefit greatly from a wallet full of specialized cards, but for those seeking a more zen-like financial future, some judicial pruning may be in order. Methodology: The analysis results provided are based on an Experian-created statistically relevant aggregate sampling of our consumer credit database that may include use of the FICO Score 8 version. Different sampling parameters may generate different findings compared with other similar analysis. Analyzed credit data did not contain personal identification information. Metro areas group counties and cities into specific geographic areas for population censuses and compilations of related statistical data. This story was produced by Experian and reviewed and distributed by Stacker Media. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
Innovation and application of orthopedic surgical microscope in spinal surgery
In a touching farewell ceremony, Mr. Li bid a tearful goodbye to his beloved companion, expressing gratitude for all the years of faithful companionship and unwavering support. The emotional farewell served as a poignant reminder of the special relationship between humans and animals, showcasing the profound impact that a furry friend can have on someone's life.
In a statement released by Boeing, company officials cited the ongoing impact of the COVID-19 pandemic as a primary reason for the layoffs. The sharp decline in air travel demand has led to a significant decrease in commercial airplane sales, forcing Boeing to reevaluate their workforce needs. The company also pointed to the continued challenges related to the 737 Max crisis, which has resulted in decreased production rates and delayed deliveries.