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sport betting predictions Micron’s Big Upside. AI Boom Ignites Growth.Sophie Rain can't hear any criticism over all her stacks of cash. The OnlyFans model had the perfect clap back after she received backlash for sharing a screenshot that revealed she made over $43 million on the adult subscription platform in just one year. When one X user described Sophie as a "model" when resharing her eye-popping screengrab of her OnlyFans profits from November 2023 to November 2024, another user commented in a Nov. 30 message, "Please stop calling prostitutes 'models.' Thank you." And Sophie didn't let the negativity go unnoticed. Replying to the tweet, she quipped on X Dec. 1 , "You can call me whatever you want... i will be laughing my way to the bank." The criticism didn't stop the 20-year-old from revealing more details about her year-end earnings either. In fact, the following day, the influencer shared another screenshot of her revenue data on the site, this time showing that she received over $4.7 million from just one subscriber. ($4.4 million of that was in tips alone.) Captioning the snap, Sophie wrote in a Dec. 2 X message , "Big thank you to my top spender for being there since the beginning." Of course, Sophie isn't the first OnlyFans user to get candid about their returns . Earlier this year, The Sopranos alum Drea de Matteo —who shares children Alabama Gypsy Rose , 16, and Waylon Albert , 12, with ex Shooter Jennings — credited the adult subscription service with saving her family from financial turmoil . "OnlyFans saved my life, 100 percent," Drea told the DailyMail in an article published on Feb. 27. "I can't believe I'm saying that, but it really did save us—anybody that wants to condemn me and put me down, go for it. I just hope you never find yourself in the position I was in to take care of two little kids." And it didn't take long for her to settle her major debts through the app. As she explained, "In five minutes, I was able to pay back compass real estate who kept the sale of my house." For more influencers who have confessed to receiving massive paychecks, keep reading. Sophie Rain The OnlyFans model revealed that she made over $43 million in just one year on the adult subscription platform. In fact, she even shared screenshots of her earnings from November 2023 to November 2024, which included a $4.7 million paycheck from one subscriber alone. JoJo Siwa The Dance Moms alum revealed that she made "six digits a month, easy" on YouTube videos as a 13-year-old. She added in the 2024 documentary Child Star that she now posts up to 300 times a day on Snapchat as part of her influencing career. Chris Olsen The TikToker revealed he has a net worth of over seven figures. "You guys can keep calling me annoying," he quipped in a July 2024 video . "Being annoying has made me a millionaire." Jeffree Star The makeup artist revealed he earns $50,000 when he hosts a TikTok live—which he does four or five times a week—through selling cosmetics and gifting from fans. "I'll make bacon in the morning and make $50,000," Jeffree told the Cancelled podcast in November 2024. "There's some times where I don't sell at all, and I'll just make bacon in my kitchen, in my bathrobe, in my little slippers, we'll just hang out and I'll just chat and I'll do a Q&A." Other times, he's making bank by offering discounts on his own branded makeup products. "It's a niche market but it's massive," he added. "We're the No. 1 or 2 beauty store." Markell Washington Markell—known for his dance videos—told Salary Transparency Street in 2023 that he earns between $500,000 and $700,000 a year, mostly from brand deals and Snapchat's mid-roll program. Deepti Vempati and Natalie Lee After appearing on Netflix's dating show Love Is Blind in 2022, the pair pivoted to social media stardom and said they each made $500,000 in less than two years as influencers. Julia The ASMR influencer—known as @itsblitzzz on YouTube — admitted in January 2024 that she scores about $56,400 a year on ad revenue from old videos, without creating new content. She's made over $610,000 in 14 years on the platform in ad revenue alone, with less than a million subscribers. King Caitlin ASMR The ASMR creator shared that she made $3,948.05 on TikTok in September 2024 (with nearly 400,000 followers) and $910.95 on YouTube in the same month (with nearly 27,000 subscribers). Makayla Samountry The Minnesota YouTuber made over $193,000 on the adult platform OnlyFans from January 2020 to December 2022, she shared in a Medium article. Morgan Presley As explained on The Really Good Podcast in 2023, the content creator has scored $50,000 on a single sponsored video. Gigi Robinson The chronic illness advocate told Salary Transparency Street in 2023 that she earns about $150,000 a year with less than 40,000 Instagram followers. Ben Brainard The comedian charges between $5,000 and $10,000 for a sponsored video, he told Salary Transparency Street. Kamillah Rae The YouTuber shared that she made $4,746.94 from monetization on the platform from August 2023 to January 2024 (from a total of 923,700 video views), with under 30,000 subscribers.Specialty retailer Five Below's ($FIVE) stock was up 5% on Tuesday afternoon ahead of the company's third-quarter earnings, but retail sentiment turned cautious. Wall Street analyst expect the company to post earning per share of $0.17 on revenues of $801.48 million. The Philadelphia-based retailer has missed earnings forecasts thrice in the past four quarters, according to Stocktwits data. The company is set to release earnings after market close on Wednesday. Retail sentiment on the stock fell to 'neutral' (49/100) from 'bullish' (56/100) a week ago. Message volumes, in the meantime, have climbed to the 'high' zone from normal. This came despite a price target revision from Citi, which raised its price target to $96 from $85 while keeping a 'Neutral' rating on the stock, The Fly.com reported. The firm anticipates a Q3 earnings beat driven by stronger comps of negative 3% versus the consensus estimate of down 5.4%, the report added. Five Below is also facing lawsuits from certain shareholders in relation to its restating the decline in comparable sales in the second-quarter and the sudden departure of its president and CEO. "Our second quarter results fell short of what we know this business is capable of delivering. Our response to the macro pressures of the last few years and the evolving consumer environment has required even greater execution, compelling and differentiated assortments and focus on the customer," Ken Bull, Interim CEO, president and COO of Five Below said at the time of its last earnings release. The company also repurchased about 85,000 shares in the second quarter of fiscal 2024 at a cost of about $10 million. The 'value' retailer sells sporting goods, games, toys, tech, books, electronic accessories, and arts and crafts that are priced between $1 and $5. It has more than 1,700 stores in 44 states. Some Stocktwits users were concerned about the potential impact of trade tariffs. While another cautioned against the lack of volume. Five Below stock is down 52% year-to-date. For updates and corrections email newsroom[at]stocktwits[dot]com.<

Please enable JavaScript to read this content. Growing insurance penetration remains one of the uphill tasks that players in the sector still face amid a growing population and improved technology. How to crack the code for in the informal sector, who make the majority of the market is also still a major challenge for industry players. And despite attempts to introduce micro-insurance products , catapulted by technology, insurance penetration still stands at 2.3 per cent. The sector, from analysis of figures in the technology sector and employment, has enough tail winds to push penetration yet as the economy expands, penetration almost does not move simultaneously. Conversations with experts in the sector and analysis of the data shows the sector cannot rely on technology alone to increase these numbers. In some instances, as noted by Bancassurance Association of Kenya chairperson and KCB Bancassurance Ltd Managing Director Aggrey Mulumbi, the need for in-person interaction at the point of sale is still important despite growing digital sales. The question is: if smartphone penetration is improving, so is internet access and the industry is witnessing an increase in micro-insurance products distributed using technology, why isn’t penetration increasing as well? Is technology failing to crack this market? “The challenge is not technology,” says Mr Mulumbi. “The challenge is financial literacy.” He poses: “Can you solve financial literacy through technology? Yes, and no. Yes, because you can make that information available on google. But do these people really access? Not necessarily.” The other issue he points out is coverage of internet. “Is the internet available 100 per cent all over the country? There are also various levels of speeds and costs,” he says. The issue of trust also plays a role, especially to the informal economy who live hand to mouth who not only guard their income selfishly but also have competition interest. How to reach these individuals is also an issue, he says, referencing the government stipends to the elderly and how it is distributed and beneficiaries enrolled. “Three things are important for mass enrolment: religious affiliation, provincial administration and banking networks,” he says. He adds: “If the Social Health Authority is onboarding people directly, you and I will be registered via the digital platforms. What about those in the interior part of Turkana? You will need somebody to talk to them. That is why the micro platform must be a blend of the digital and the trusted person who will come to tell them about insurance solutions.” According to Sector Statistics Report for Quarter Four of 2023/24 by the Communication Authority, as at the end of June 2024, the total number of mobile phone devices connected to mobile networks was 66.1 million - a penetration rate of 128.3 per cent. Stay informed. Subscribe to our newsletter “The penetration rate for smartphones and feature phones were 68.3 and 59.9 per cent respectively,” the report says. As at June 2023, the number of smartphones stood at 30.8 million while feature phones were 32.1 million. This is a ratio of one-to-one for smartphones to feature phones. This gives the impression that almost three –quarters of the population have a smartphone hence it should be easier for underwriters to reach them. But that seems not to be the case. CA report shows that of June 2024, total fixed data or internet subscriptions experienced growth driven by increasing reliance on digital platforms for work, education, healthcare and entertainment. It adds that the total fixed internet subscriptions grew by 7.4 per cent to reach 1.5 million while satellite subscriptions recorded a significant growth of 73.1 per cent in quarter four and a 1,995.3 per cent growth in the 2023/24 financial year. “This growth is attributed to licensing and subsequent launch of Starlink Internet Services Kenya earlier in the financial year,” the report says. Yet with these milestones, it is still a challenge to crack the informal sector and lower middle income segments of the market to expand the insurance coverage using technology. Liaison Group General Manager - Risk and Insurance Brian Rop says there are products that are being embraced easily by these segments of the market such as home insurance and last expense. Others are still hard to sell. “There are products that require special underwriting and those whose pricing is risk based. It is therefore difficult to simplify them for uptake at the digital market place,” he says. He adds that with the development of Artificial Intelligence (AI) and its incorporation into businesses, players will soon be able to overcome the challenges of data gathering and processing which will enable accurate risk profiling. Apart from last expense and home insurance, health, motor, and business insurance, eh says are the other products that are gaining traction in the market. “It (last expense) comes with a no surprise that uptake of this product cuts across both the informal and lower middle class individuals. This can easily be attributed to the simplicity of the cover and the competitive cost attached with examples of Mfariji Cover by Laison Group,” he says. Mr Rop discusses how influential technology is in development of products saying such (products) respond to the financial realities of consumers. Combined with the fact that there were 22.71 million internet users in Kenya at the start of 2024, representing a penetration rate of 40.8 per cent, Mr Rop says technology made them open a digital shop, Insurance Online, to cater for this demographic, majority of whom are below 35 years. He notes that in 2023, the informal sector employed 16.7 million people which is 83.5 per cent of total employed individuals in the economy. These figures correspond to the Kenya National Bureau of Statistics (KNBS) 2024 Economic Survey. “The uptake of products in our digital space by the informal market has been slow,” he says. “There is better traction in the lower middle class individuals that can majorly be attributed to better penetration in insurance knowledge, greater insurable interest and the amount of disposable income.” Data from the Association of Kenya Insurers (AKI) shows that insurance penetration stands at 2.3 per cent. This has been the figure since 2019 when it was 2.37 per cent, 2.30 per cent in 2020, 2.29 per cent in 2021, and 2.33 per cent in 2022. The 2024 KNBS Economy shows insurance subsector grew by 12.7 per cent in 2023 compared to 14.4 per cent in 2022. This figure was 26.9 per cent in 2021, 11.7 per cent in 2020 and 9.5 in 2019. KPMG, an audit and tax advisory firm, in an overview of the Kenya’s insurance sector cites the below three per cent penetration as the third lowest rate in Sub-Saharan Africa. South Africa leads with 17 per cent. “This is due to most of Kenya’s population perceiving insurance as ‘nice to have-easy to discard’ product rather than one that is essential,” says KPMG. Fraud cases that affect 25 per cent of claims, is cited as one of the challenges the sector faces in addition to cyber-attacks. “Companies offering insuretech services such as mobile claims and policy payment services and micro-insurance companies offering low cost products such as funeral and livestock insurance are most likely to succeed in the Kenyan market,” says KMPG. It has been asserted by industry players that the low insurance penetration in the country is a s a result of the country’s strong growth of the economy. “It is the economy that is growing much faster than insurance penetration,” said Kenya Re Group Managing Director Dr Hillary Wachinga during an interview on the sidelines of the CEO’s Summit that brought insurance sector players. This is confirmed by AKI who document the same in their 2020 industry report. “This figure(insurance penetration) has been decreasing since 2017 which could be due to GDP growing faster than insurance premiums,” reads the report.'Unlikely coalition': A criminal justice reform advocate sees opportunities in a second Trump term

Revolutionary Gaming Tech Unveiled! Supermicro’s Earnings Release Date Signals a New EraChristmas brings no joy for KhasisOkta up 17% after posting profit, revenue jump in Q3EAGAN, Minn. (AP) — Justin Jefferson might be weary of all the safeties shadowing his every route, determined not to let the Minnesota Vikings go deep, but he's hardly angry. The double and triple coverage he continually faces, after all, is a sign of immense respect for his game-breaking ability. The strategy also simply makes sense. “I would do the same," Jefferson said. "It’s either let everybody else go off or let Justin go off. I’m going to let everybody else go off. That would be my game plan.” When the Vikings visit Chicago on Sunday, they're expecting the usual heavy dose of split-safety coverage designed to put a lid on the passing attack and force them to operate primarily underneath. “We see that every week: Teams just have different tendencies on film, and then when we go out on the field they play us totally different,” Jefferson said, later adding: “I don’t really feel like anyone else is getting played how I’m getting played.” Jefferson nonetheless is second in the NFL in receiving yards (912) behind Cincinnati's Ja'Marr Chase, his former college teammate at LSU. Last week, Jefferson set yet another all-time record by passing Torry Holt for the most receiving yards over the first five seasons of a career. Holt logged 80 regular-season games and accumulated 6,784 yards for St. Louis. Jefferson has 6,811 yards — in just 70 games. “I want to go up against those single coverages. I want to go have my opportunities to catch a deep pass downfield, just one-on-one coverage, like a lot of these other receivers get," Jefferson said. "It’s definitely difficult going up against an extra person or an extra two people, but it is what it is and the concepts that we’re drawing up and the ways that we’re trying to get me open, it definitely helps.” With fellow tight end Josh Oliver ruled out of the game on Sunday because of a sprained ankle, T.J. Hockenson is certain to have his heaviest workload since returning from knee surgery four weeks ago. He's also certain that Jefferson will continue to see persistent double-teams. “It puts it on us to make some plays and do some things to get them out of that,” Hockenson said. Vikings coach Kevin O'Connell has been forced to dig deeper into the vault of play designs and game plans to help keep quarterback Sam Darnold and the offense on track. O'Connell said after Minnesota's 12-7 win at Jacksonville, when Darnold threw three interceptions to precipitate a safer strategy down the stretch, that he superseded his play-calling role with the wisdom of a head coach to help win that game. "Not just the egomaniac of wanting to score points and constantly show everybody how smart we are. There was a mode that I think you have to go into sometimes to ensure a victory,” O'Connell said on his weekly show on KFAN radio. Taking what the defense gives is usually the shrewdest strategy. “You’ve got to really implement some new things and some things that maybe you didn’t come across during your early coaching years whether as a coordinator or position coach or even when you’re responsible for a small area of the game plan as a younger coach," O'Connell said. "You really have to kind of look outside the lens of always what you see on tape.” AP NFL: https://apnews.com/hub/NFL

Biden will decide on US Steel acquisition after influential panel fails to reach consensus WASHINGTON (AP) — A powerful government panel has failed to reach consensus on the possible national security risks of a nearly $15 billion proposed deal for Nippon Steel of Japan to purchase U.S. Steel. The Committee on Foreign Investment in the United States on Monday sent its long-awaited report to President Joe Biden, a longtime opponent of the deal. Some federal agencies represented on the panel were skeptical that allowing a Japanese company to buy an American-owned steelmaker would create national security risks. That's according to a U.S. official familiar with the matter. Both Biden and President-elect Donald Trump opposed the merger and vowed to block it. Nippon Steel says it is confident the deal will go ahead. Nissan and Honda to attempt a merger that would create the world's No. 3 automaker TOKYO (AP) — Japanese automakers Nissan and Honda have announced plans to work toward a merger that would catapult them to a top position in an industry in the midst of tectonic shifts as it transitions away from its reliance on fossil fuels. The two companies said they signed an agreement on integrating their businesses on Monday. Smaller Nissan alliance member Mitsubishi Motors agreed to join the talks. News of a possible merger surfaced earlier this month. Japanese automakers face a strong challenge from their Chinese rivals and Tesla as they make inroads into markets at home and abroad. What a merger between Nissan and Honda means for the automakers and the industry BANGKOK (AP) — Japanese automakers Honda and Nissan will attempt to merge and create the world’s third-largest automaker by sales as the industry undergoes dramatic changes in its transition away from fossil fuels. The two companies said they had signed a memorandum of understanding on Monday and that smaller Nissan alliance member Mitsubishi Motors also had agreed to join the talks on integrating their businesses. Honda will initially lead the new management, retaining the principles and brands of each company. Following is a quick look at what a combined Honda and Nissan would mean for the companies, and for the auto industry. Survey: Small businesses are feeling more optimistic about the economy after the election A survey shows small business owners are feeling more optimistic about the economy following the election. The National Federation of Independent Businesses’ Small Business Optimism Index rose by eight points in November to 101.7, its highest reading since June 2021. The Uncertainty Index declined 12 points in November to 98, following October’s pre-election record high of 110. NFIB Chief Economist Bill Dunkelberg said small business owners became more certain about future business conditions following the presidential election, breaking a nearly three-year streak of record high uncertainty. The survey also showed that more owners are also hoping 2025 will be a good time to grow. Heavy travel day starts with brief grounding of all American Airlines flights WASHINGTON (AP) — American Airlines briefly grounded flights nationwide due to a technical problem just as the Christmas travel season kicked into overdrive and winter weather threatened more potential problems for those planning to fly or drive. Government regulators cleared American flights to get airborne Tuesday about an hour after the Federal Aviation Administration ordered a national ground stop, which prevented planes from taking off. American said in an email that the problem was caused by vendor technology in its flight operating system. Aviation analytics company Cirium said flights were delayed across American’s major hubs, with only 37% leaving on time. Nineteen flights were cancelled. Nordstrom to be acquired by Nordstrom family and a Mexican retail group in $6.25 billion deal Century-old department store Nordstrom has agreed to be acquired and taken private by Nordstrom family members and a Mexican retail group in a $6.25 billion deal. Nordstrom shareholders will receive $24.25 in cash for each share of Nordstrom common stock, representing a 42% premium on the company’s stock as of March 18. Nordstrom’s board of directors unanimously approved the the proposed transaction, while Erik and Pete Nordstrom — part of the Nordstrom family taking over the company — recused themselves from voting. Following the close of the transaction, the Nordstrom Family will have a majority ownership stake in the company. Stock market today: Wall Street rallies ahead of Christmas Stocks closed higher on Wall Street ahead of the Christmas holiday, led by gains in Big Tech stocks. The S&P 500 added 1.1% Tuesday. Trading closed early ahead of the holiday. Tech companies including Apple, Amazon and chip company Broadcom helped pull the market higher. The Dow Jones Industrial Average rose 0.9%, and the Nasdaq composite climbed 1.3%. American Airlines shook off an early loss and ended mostly higher after the airline briefly grounded flights nationwide due to a technical issue. Treasury yields held steady in the bond market. The yield on the 10-year Treasury was little changed at 4.59% An analyst looks ahead to how the US economy might fare under Trump WASHINGTON (AP) — President-elect Donald Trump won a return to the White House in part by promising big changes in economic policy — more tax cuts, huge tariffs on imports, mass deportations of immigrants working in the United States illegally. In some ways, his victory marked a repudiation of President Joe Biden’s economic stewardship and a protest against inflation. It came despite low unemployment and steady growth under the Biden administration. What lies ahead for the economy under Trump? Paul Ashworth of Capital Economics spoke recently to The Associated Press. The interview has been edited for length and clarity. American consumers feeling less confident in December, Conference Board says American consumers are feeling less confident in December, a business research group says. The Conference Board said Monday that its consumer confidence index fell back in December to 104.7 from 112.8 in November. Consumers had been feeling increasingly confident in recent months. The consumer confidence index measures both Americans’ assessment of current economic conditions and their outlook for the next six months. The measure of Americans’ short-term expectations for income, business and the job market tumbled more than a dozen points to 81.1. The Conference Board says a reading under 80 can signal a potential recession in the near future. Stock market today: Wall Street rises at the start of a holiday-shortened week Stocks closed higher on Wall Street at the start of a holiday-shortened week. The S&P 500 rose 0.7% Monday. Several big technology companies helped support the gains, including chip companies Nvidia and Broadcom. The Dow Jones Industrial Average added 0.2%, and the Nasdaq composite rose 1%. Honda's U.S.-listed shares rose sharply after the company said it was in talks about a combination with Nissan in a deal that could also include Mitsubishi Motors. Eli Lilly rose after announcing that regulators approved Zepbound as the first prescription medicine for adults with sleep apnea. Treasury yields rose in the bond market.

Pals looks back on almost half a century of law enforcement in North Iowa"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" To keep reading, please log in to your account, create a free account, or simply fill out the form below.