We didn't see our 11-year-old son at a holiday event for hours. We were never worried about him.Federal Reserve officials expressed confidence that inflation is easing and the labor market is strong, allowing for further interest rate cuts albeit at a gradual pace, according to minutes from the November meeting released Tuesday. The meeting summary contained multiple statements indicating that officials are comfortable with the pace of inflation, even though by most measures it remains above the Fed’s 2% goal. With that in mind, and with conviction that the jobs picture is still fairly solid, Federal Open Market Committee members indicated that further rate cuts likely will happen, though they did not specify when and to what degree. “In discussing the outlook for monetary policy, participants anticipated that if the data came in about as expected, with inflation continuing to move down sustainably to 2 percent and the economy remaining near maximum employment, it would likely be appropriate to move gradually toward a more neutral stance of policy over time,” the minutes said. The FOMC voted unanimously at the meeting to take down its benchmark borrowing rate by a quarter percentage point to a target range of 4.5%-4.75%. Markets expect the Fed could cut again in December, though conviction has waned among concerns that President-elect Donald Trump ’s plans for tariffs could stoke inflation higher. The meeting concluded two days after the contentious presidential election campaign resulted in the Republican emerging as the victor and set to begin serving his second term in January. There was no mention of the election in the minutes, save for a staff notation that stock market volatility rose before the Nov. 5 results and fell after. There also was no discussion of the implications of fiscal policy, despite anticipation that Trump’s plans, which also include lower taxes and aggressive deregulation, could have substantial economic impacts. However, members did note a general level of uncertainty about how conditions are evolving. In addition, they expressed uncertainty over where the rate cuts would need to stop before the Fed hit a “neutral” interest rate that neither boosts nor restrains growth. “Many participants observed that uncertainties concerning the level of the neutral rate of interest complicated the assessment of the degree of restrictiveness of monetary policy and, in their view, made it appropriate to reduce policy restraint gradually,” the minutes said. Conflicting signals on inflation and the uncertainty over Trump’s policies have caused traders to scale back their outlook for interest rate cuts ahead. The market-implied probability of a rate trim in December has drifted below 60%, with an expectation of just three-quarters of a percentage point in reductions through the end of the 2025. Committee members appeared to spend much of the meeting talking about progress on inflation and a generally stable economic outlook. Policymakers in recent days have expressed confidence that current inflation readings are being boosted by shelter cost increases that are expected to slow as the pace of rent rises eases and makes its way through the data. “Almost all participants judged that, though month-to-month movements would remain volatile, incoming data generally remained consistent with inflation returning sustainably to 2 percent,” the document said. “Participants cited various factors likely to put continuing downward pressure on inflation, including waning business pricing power, the Committee’s still-restrictive monetary policy stance, and well-anchored longer-term inflation expectations,” it added. Policymakers had been expressing concern about the labor market. Nonfarm payrolls rose only 12,000 in October, though the meager gain has been attributed primarily to storms in the Southeast and labor strikes. Officials indicated that the state of the labor market is generally solid. “Participants generally noted ... that there was no sign of rapid deterioration in labor market conditions, with layoffs remaining low,” the minutes said.An on-field interaction between a UW-Madison Police officer and a Nebraska football assistant coach after Saturday's game was a "misunderstanding" that ended in an apology, a police spokesperson said. Lt. Adam Boardman, one of the UWPD officers escorting University of Wisconsin coach Luke Fickell to the locker room amid fans rushing the field after a 44-25 Huskers victory , turned away to grab Nebraska offensive line coach Donovan Raiola by the arm, video posted to social media showed . Video of postgame encounter between Luke Fickell, Donovan Raiola circulates online That followed an apparent exchange of words between Raiola and Fickell and Badgers assistant offensive line coach Casey Rabach, who were walking in opposite directions. The context of the discussion wasn't apparent from the video, but Fickell and Raiola both pointed at the other, and Rabach later pointed at Raiola. Boardman and Raiola talked for about 15 seconds after Boardman pried Raiola away from a hug with Nebraska running backs coach EJ Barthel. UWPD spokesperson Marc Lovicott said it was a "misunderstanding amid a pretty chaotic scene." He said Boardman made contact with an "unknown individual who had approached" Badgers coaches as they were leaving the field. "Once it was confirmed that the individual was a member of the Nebraska coaching staff, the UWPD officer apologized for the misunderstanding," Lovicott wrote in an email Tuesday. "The interaction concluded cordially with a handshake." Lovicott said UW Police has made contact with counterparts at Nebraska "and they're also considering it a misunderstanding." Raiola played for Wisconsin from 2002 to 2005. "I don't want speculate without knowing, obviously Donny went to Wisconsin, so I don't know if there was some history there with somebody or something," said Nebraska coach Matt Rhule, who said he was shown video of the incident Monday. "When I asked Donny about it, he was like, 'No big deal.' Things happen after games and people are emotional, but he seemed to kinda brush it off." Fickell said he didn't know much about the interaction when he was asked about it at his weekly news conference Monday. "I mean, I don't know if he was talking to Casey, somebody said something, I don't know," Fickell said. "I just said it looked like maybe he said something to me, but I had no idea. And I had no idea that that was even something. So if it was, I didn't spend a whole lot of time thinking about it." BadgerExtra reporter Colten Bartholomew and Lincoln Journal Star reporter Luke Mullin contributed to this report. Get local news delivered to your inbox!
Trump's threat to impose tariffs could raise prices for consumers, colliding with promise for relief DETROIT (AP) — If Donald Trump makes good on his threat to slap 25% tariffs on everything imported from Mexico and Canada, the price increases that could follow will collide with his campaign promise to give American families a break from inflation. Economists and industry officials say companies would have little choice but to pass along the added costs, dramatically raising prices for food, clothing, automobiles, booze and other goods. The president-elect floated the tariff idea and an additional 10% tax on goods from China, as a way to force the countries to halt the flow of illegal immigrants and drugs into the U.S. But his posts Monday threatening tariffs on his first day in office could be a negotiating ploy to get the countries to change behavior. Trump’s latest tariff plan aims at multiple countries. What does it mean for the US? WASHINGTON (AP) — President-elect Donald Trump has identified what he sees as an all-purpose fix for what ails America: Slap huge new tariffs on foreign goods entering the United States. On Monday, Trump sent shockwaves across the nation’s northern and southern borders, vowing sweeping new tariffs on Mexico, Canada, as well as China, as part of his effort to crack down on illegal immigration and drugs. Trump said he will impose a 25% tax on all products entering the country from Canada and Mexico, and an additional 10% tariff on goods from China, as one of his first executive orders. Federal Reserve officials signal cautious path for rate cuts amid still-high inflation WASHINGTON (AP) — With inflation still elevated, Federal Reserve officials expressed caution at their last meeting about cutting interest rates too quickly, adding to uncertainty about their next moves. Even if inflation continued declining to the Fed’s 2% target, officials said, “it would likely be appropriate to move gradually” in lowering rates, according to minutes of the November 6-7 meeting. The minutes don’t specifically provide much guidance about what the Fed will do at its next meeting in December. Wall Street investors see the odds of another quarter-point reduction in the Fed’s key rate at that meeting as nearly even, according to CME Fedwatch. Canadian officials blast Trump's tariff threat and one calls Mexico comparison an insult TORONTO (AP) — Canadian officials are blasting President-elect Donald’s Trump’s threat to impose sweeping tariffs. The leader of Canada's most populous province on Tuesday called Trump’s comparison of Canada to Mexico “the most insulting thing I’ve ever heard.” Trump has threatened to impose tariffs on products from Canada, Mexico and China as soon as he takes office in January as part of efforts to crack down on illegal immigration and drugs. He said he would impose a 25% tax on all products entering the U.S. from Canada and Mexico. Canadians say their economy and the U.S. one are deeply intertwined and Americans would feel tariffs, too. Biden proposes Medicare and Medicaid cover costly weight-loss drugs for millions of obese Americans WASHINGTON (AP) — Millions of obese Americans would be eligible to have popular weight-loss drugs like Wegovy or Zepbound covered by Medicare or Medicaid under a new rule the Biden administration proposed Tuesday morning. The proposal, which would not be finalized until after President-elect Donald Trump takes office, could cost taxpayers as much as $35 billion over the next decade. It would give millions of people access to weekly injectables that have helped people shed pounds so quickly that some people have labeled them miracle drugs. Surveillance tech advances by Biden could aid in Trump's promised crackdown on immigration President-elect Donald Trump will return to power next year with a raft of technological tools at his disposal that would help deliver his campaign promise of cracking down on immigration — among them, surveillance and artificial intelligence technology that the Biden administration already uses to help make crucial decisions in tracking, detaining and ultimately deporting immigrants lacking permanent legal status. One algorithm, for example, ranks immigrants with a “Hurricane Score,” ranging from 1-5, to assess whether someone will “abscond” from the agency’s supervision. It’s almost time for Spotify Wrapped. When can you expect your 2024 recap? NEW YORK (AP) — It’s almost that time of year. Spotify is gearing up to release its annual Spotify Wrapped, a personalized recap of its users' listening habits and year in audio. The streaming service has been sharing these personalized analyses with since 2016. And each year, it’s become a bigger production than the last. Spotify claimed its 2023 Wrapped was the “biggest ever created” in terms of audience reach and the kind of data it provided to users. But information on Wrapped's 2024 release has been kept under ... er, wraps. In previous years, it’s been released after Thanksgiving, between Nov. 30 and Dec. 6. Thanksgiving travel is cranking up. Will the weather cooperate? The Thanksgiving travel rush is picking up, with Tuesday and Wednesday expected to be much busier than the last couple days. A lot of travelers will be watching weather forecasts to see if rain or snow could slow them down. The Transportation Security Administration expects to screen more than 2.8 million people on Tuesday and 2.9 million on Wednesday after handling more than 2.5 million people on Monday. So far, relatively few flights have been canceled this week, but there have been thousands of delayed flights every day. That is becoming normal for U.S. airlines. Federal agency raises the size of most single-family loans the government can guarantee to $806,500 The Federal Housing Finance Agency is increasing the size of home loans that the government can guarantee against default as it takes into account rising housing prices. Beginning next year, mortgage buyers Fannie Mae and Freddie Mac will be able to acquire loans of up to $806,500 on single-family homes in most of the country, the agency said Tuesday. The new conforming loan limit is a 5.2% increase from its 2024 level. FHFA oversees Fannie Mae and Freddie Mac, which buy home loans from banks and other lenders. FHFA adjusts the loan limits annually to reflect changes in U.S. home values, which have been rising this year despite a national home sales slump. The IRS is at risk of losing $20 billion in funding without legislative intervention WEST PALM BEACH, Fla. (AP) — Already bracing for funding cuts under a new Trump administration, U.S. Treasury officials are calling on Congress to unlock $20 billion in IRS enforcement money that is tied up in legislative language that has effectively rendered the money frozen. Hoping to unlock the funds in upcoming budget negotiations, Treasury officials are rushing for action before President Joe Biden’s term ends. The $20 billion in question is separate from another $20 billion rescinded from the agency last year. However, the legislative mechanism keeping the government afloat inadvertently duplicated that one-time $20 billion cut to IRS funding.Ethereum’s recent performance has lagged behind competitors such as Bitcoin, Solana, and Sui. While Ethereum’s value rose by 88% over the last 18 months, Solana and Sui experienced dramatic increases of 1,040% and 448%, respectively. According to Matt Hougan, the chief investment officer of Bitwise, Ethereum found itself caught between Bitcoin’s significant institutional interest and Solana’s growing appeal among retail investors. With the potential re-election of Donald Trump as U.S. President, there is speculation that a more crypto-friendly administration could stimulate the Ethereum ecosystem. Trump’s family has already initiated a decentralized finance (DeFi) project on the blockchain. Experts anticipate positive regulatory changes, including an overhaul of the U.S. Securities and Exchange Commission (SEC) and the introduction of an Ether exchange-traded fund (ETF). One of the major challenges Ethereum has faced is the regulatory pressure on projects within its ecosystem, such as Uniswap and Consensys. This regulatory scrutiny has led to a movement towards “financial nihilism,” where market participants focus on speculative assets like memecoins. Nevertheless, proponents of Ethereum argue that its blockchain network and associated layer-2 systems remain critical for the future of decentralized finance. Trump’s administration is expected to appoint pro-crypto officials to regulatory positions, which could lead to a more favorable environment for crypto projects. Paul Atkins, a crypto-friendly businessman, has been nominated by Trump to lead the SEC. This could result in more regulatory support for DeFi projects. Under the Trump administration, the SEC might undergo a significant change in its approach, with a shift towards recognizing crypto assets as property. This regulatory realignment could also involve closer cooperation between the SEC and the Commodity Futures Trading Commission (CFTC). The “Financial Innovation and Technology for the 21st Century Act” (FIT21) aims to establish a federal framework for crypto regulation and reduce the SEC’s influence over digital assets. This legislation may become less critical with the anticipated changes in the regulatory landscape. In light of these developments, Ethereum could benefit from being classified as a commodity under the CFTC’s oversight, which has a reputation for lighter regulatory measures. Furthermore, the prospect of Ether staking yields being integrated into ETFs could attract institutional investors. The yield, currently at approximately 3.1%, could increase with growing Ethereum network activity and potential changes in the SEC’s stance on ETFs. This scenario could enhance Ethereum’s appeal in an environment where the Federal Reserve is expected to lower interest rates further by 2025. In summary, the Ethereum ecosystem may experience revitalization under a Trump administration, which could bring regulatory clarity, increase institutional interest, and strengthen the overall position of Ethereum and its applications in the crypto market.Stock market today: Wall Street rises toward records despite tariff talk
NEW YORK (AP) — U.S. stock indexes rose to more records Wednesday after tech companies talked up how much of a boost they’re getting from the artificial-intelligence boom. The S&P 500 climbed 0.6% to add to what’s set to be one of its best years of the millennium. It’s the 56th time the index has hit an all-time high this year after climbing in 11 of the last 12 days . The Dow Jones Industrial Average rose 308 points, or 0.7%, while the Nasdaq composite added 1.3% to its own record. Salesforce helped pull the market higher after delivering stronger revenue for the latest quarter than analysts expected, though its profit fell just short. CEO Mark Benioff highlighted the company’s artificial-intelligence offering for customers, saying “the rise of autonomous AI agents is revolutionizing global labor, reshaping how industries operate and scale.” The stock price of the company, which helps businesses manage their customers, jumped 11%. Marvell Technology leaped even more after delivering better results than expected, up 23.2%. CEO Matt Murphy said the semiconductor supplier is seeing strong demand from AI and gave a forecast for profit in the upcoming quarter that topped analysts’ expectations. All the optimistic talk helped Nvidia , the company whose chips are powering much of the move into AI, rally 3.5%. It was the strongest force pushing upward on the S&P 500 by far. They helped offset an 8.9% drop for Foot Locker, which reported profit and revenue that fell short of analysts’ expectations. CEO Mary Dillon said the company is taking a more cautious view, and it cut its forecasts for sales and profit this year. Dillon pointed to how keen customers are for discounts and how soft demand has been outside of Thanksgiving week and other key selling periods. Retailers overall have offered mixed signals about how resilient U.S. shoppers can remain. Their spending has been one of the main reasons the U.S. economy has avoided a recession that earlier seemed inevitable after the Federal Reserve hiked interest rates to crush inflation. But shoppers are now contending with still-high prices and a slowing job market . This week’s highlight for Wall Street will be Friday’s jobs report from the U.S. government, which will show how many people employers hired and fired last month. A narrower report released Wednesday morning suggested employers in the private sector increased their payrolls by less last month than economists expected. Hiring in manufacturing was the weakest since the spring, according to Nela Richardson, chief economist at ADP. The report strengthened traders’ expectations that the Fed will cut its main interest rate again when it meets in two weeks. The Fed began easing its main interest rate from a two-decade high in September, hoping to offer more support for the job market. The central bank had appeared set to continue cutting rates into next year, but the election of Donald Trump has scrambled Wall Street’s expectations somewhat. Trump’s preference for higher tariffs and other policies could lead to higher inflation , which could alter the Fed’s plans . Fed Chair Jerome Powell said Wednesday that the central bank can afford to cut rates cautiously because inflation has slowed from its peak two years ago and the economy remains sturdy. A separate report on Wednesday said health care, finance and other businesses in the U.S. services sector are continuing to grow, but not by as much as before and not by as much as economists expected. One respondent from the construction industry told the survey from the Institute for Supply Management that the Fed’s rate cuts haven't pulled down mortgage rates as much as hoped. Plus, “the unknown effect of tariffs clouds the future.” In the bond market, the yield on the 10-year Treasury fell to 4.18% from 4.23% late Tuesday. On Wall Street, Campbell’s sank 6.2% for one of the S&P 500’s sharper losses despite increasing its dividend and reporting a stronger profit than analysts expected. Its revenue fell short of Wall Street’s expectations, and the National Football League’s Washington Commanders hired Campbell’s CEO Mark Clouse as its team president. Gains for airline stocks helped offset that drop after JetBlue Airways said it saw stronger bookings for travel in November and December following the presidential election. It also said it’s benefiting from lower fuel prices, as well as lower costs due to improved on-time performance. JetBlue jumped 8.3%, while Southwest Airlines climbed 3.5%. All told, the S&P 500 rose 36.61 points to 6,086.49. The Dow climbed 308.51 to 45,014.04, and the Nasdaq composite rallied 254.21 to 19,735.12. In stock markets abroad, South Korea’s Kospi sank 1.4% following a night full of drama in Seoul. President Yoon Suk Yeol was facing possible impeachment after he suddenly declared martial law on Tuesday night, prompting troops to surround the parliament. He revoked the martial law declaration six hours later. In the crypto market , bitcoin climbed near $99,000 after Trump said he would nominate Paul Atkins , a cryptocurrency advocate, to chair the Securities and Exchange Commission. AP Writers Matt Ott and Zimo Zhong contributed.Jurors end 1st day of deliberations without a verdict in the YSL gang and racketeering trialNEW YORK (AP) — U.S. stocks climbed Thursday after market superstar Nvidia and another round of companies said they’re making even fatter profits than expected. The S&P 500 pulled 0.5% higher after flipping between gains and losses several times during the day. Banks, smaller companies and other areas of the stock market that tend to do best when the economy is strong helped lead the way, while bitcoin briefly broke above $99,000. Crude oil, meanwhile, continued to rise. The Dow Jones Industrial Average jumped 461 points, or 1.1%, and the Nasdaq composite edged up by less than 0.1%. Nvidia rose just 0.5% after beating analysts’ estimates for profit and revenue yet again, but it was still the strongest force pulling the S&P 500 upward. It also gave a forecast for revenue in the current quarter that topped most analysts’ expectations due to voracious demand for its chips used in artificial-intelligence technology. Its stock initially sank in afterhours trading Wednesday following the release of the results. Some investors said the market might have been looking for Nvidia’s revenue forecast to surpass expectations by even more. But its stock recovered in premarket trading Thursday, and Wedbush analyst Dan Ives said it was another “flawless” profit report provided by Nvidia and CEO Jensen Huang, whom Ives calls “the Godfather of AI.” The stock meandered through Thursday as well, dragging the S&P 500 and other indexes back and forth. How Nvidia’s stock performs has more impact than any other because it’s grown into Wall Street’s most valuable company at roughly $3.6 trillion. The frenzy around AI is sweeping up other stocks, and Snowflake jumped 32.7% after reporting stronger results for the latest quarter than analysts expected. The company, whose platform helps customers get a better view of all their silos of data and use AI, also reported stronger revenue growth than expected. BJ’S Wholesale Club rose 8.3% after likewise delivering a bigger profit than expected. That may help calm worries about how resilient U.S. shoppers can remain, given high prices across the economy and still-high interest rates. A day earlier, Target tumbled after reporting sluggish sales in the latest quarter and giving a dour forecast for the holiday shopping season. It followed Walmart , which gave a much more encouraging outlook. Nearly 90% of the stocks in the S&P 500 ended up rising Thursday, and the gains were even bigger among smaller companies. The Russell 2000 index of smaller stocks jumped a market-leading 1.7%. Google’s parent company, Alphabet, helped keep indexes in check. It fell 4.7% after U.S. regulators asked a judge to break up the tech giant by forcing it to sell its industry-leading Chrome web browser. In a 23-page document filed late Wednesday, the U.S. Department of Justice called for sweeping punishments that would include restrictions preventing Android from favoring its own search engine. Regulators stopped short of demanding Google sell Android but left the door open to it if the company’s oversight committee continues to see evidence of misconduct. All told, the S&P 500 rose 31.60 points to 5,948.71. The Dow jumped 461.88 to 43,870.35, and the Nasdaq composite added 6.28 to 18,972.42. In the crypto market, bitcoin eclipsed $99,000 for the first time before pulling back toward $98,000, according to CoinDesk. It’s more than doubled so far this year, and its climb has accelerated since Election Day. President-elect Donald Trump has pledged to make the country “the crypto capital of the planet” and create a “strategic reserve” of bitcoin. Bitcoin got a further boost after Gary Gensler, the chair of the Securities and Exchange Commission, said Thursday he would step down in January . Gensler has pushed for more protections for crypto investors. Bitcoin and related investment have a notorious history of big price swings in both directions. MicroStrategy, a company that’s been raising cash expressly to buy bitcoin, saw an early Thursday gain of 14.6% for its stock quickly disappear. It finished the day with a loss of 16.2%. In the oil market, a barrel of benchmark U.S. crude rose 2% to bring its gain for the week to 4.8%. Brent crude, the international standard, climbed 1.8%. Oil has been rising amid escalations in the Russia-Ukraine war. In stock markets abroad, shares of India’s Adani Enterprises plunged 22.6% Thursday after the U.S. charged founder Gautam Adani in a federal indictment with securities fraud and conspiracy to commit securities and wire fraud. The businessman and one of the world’s richest people is accused of concealing that his company’s huge solar energy project on the subcontinent was being facilitated by an alleged bribery scheme. Stock indexes elsewhere in Asia and Europe were mixed. In the bond market, the yield on the 10-year Treasury inched up to 4.43% from 4.41% late Wednesday following some mixed reports on the U.S. economy. One said fewer U.S. workers applied for unemployment benefits last week in the latest signal that the job market remains solid. Another report, though, said manufacturing in the mid-Atlantic region unexpectedly shrank. Sales of previously occupied homes, meanwhile, strengthened last month by more than expected. AP Business Writers Matt Ott and Yuri Kageyama contributed.
State Sen. Nate Boulton, center, speaks with other Democrats in downtown Des Moines on Oct. 16, 2024, the first day of early voting in Iowa. Former state Rep. John Forbes, left and Democratic congressional candidate Lanon Baccam, right, are also shown. (Photo by Kathie Obradovich/Iowa Capital Dispatch) Iowa Sen. Nate Boulton, D-Des Moines, conceded his race for reelection Friday after the recount for Iowa Senate District 20 concluded and found Republican Mike Pike maintained his lead. Boulton served in the Iowa Senate since 2017 and held the position of Iowa Senate Democratic whip in the most recent General Assembly. In his concession statement, he thanked his constituents and family for their support while congratulating Pike on his victory. “It has been the honor of a lifetime to represent my community, and serve my state, as a member of the Iowa Senate for the past eight years and as the Minority Whip this past session,” Boulton said in a statement. “The election is over and the recount has concluded. By one of the narrowest margins in the state, I will not be returning to the Iowa Senate this January.” Pike, a plumber who has not previously held political office, did not respond to requests for comment on the race. The incumbent Democrat lost by 44 votes to his GOP challenger, according to preliminary results leading into the recount. An update on the final vote count has not yet been released. In addition to Senate District 20, covering eastern parts of Des Moines, Altoona, Pleasant Hill and southwest Ankeny, recounts were called for two other legislative races. Republican Mark Hanson requested a recount in his race to unseat Sen. Sarah Trone Garriott, D-Waukee in Senate District 14, and GOP challenger Nathan Ramker requested a recount in his race against incumbent Rep. Monica Kurth, D-Davenport for House District 98 earlier in the week. While the recount outcomes from these two races have yet to be announced, GOP trifecta control of the Statehouse has already been confirmed. Republicans won a supermajority in the Iowa House and held onto their existing supermajority in the Iowa Senate in the 2024 general election. While Boulton’s loss will not have an impact on Democrats’ status as the minority party in the Iowa Senate, he was floated as a potential candidate to replace Senate Minority Leader Pam Jochum, D-Dubuque, who did not run for reelection in 2024. Senate Democrats planned to meet Friday evening to discuss their caucus leadership for the 2025 legislative session, Radio Iowa reported. Boulton said he plans to return to his law practice, where he specializes in labor law, workers compensation and personal injury. He said in his concession statement that he was pleased with the work he was able to accomplish at the the Iowa Legislature. “I’m proud of the work we’ve been able to do and the things we have accomplished over the past eight years,” Boulton said. “Fighting for Iowa’s workers — leading an all-night floor (debate) to challenge legislation that gutted workplace rights for thousands of union workers who answer the call of public service. Fighting to protect injured workers whose bodies and earnings are damaged as they contribute to Iowa’s economic success. Standing up for kids and introducing and passing through the Senate bipartisan legislation designed to help them get coverage for the medical care they need. ... While this term in the Iowa Senate is ending, I remain dedicated to working towards economic and social justice as we pursue a brighter, stronger future for our community, our state, and our nation.”
At different times, inflation may be high or low, but, except in those rare periods of deflation, it’s always with us. During your working years, when you may receive boosts in your salary, you at least have the potential to keep up with inflation — but what happens when you retire? As a retiree, what can you do to cope with the rising cost of living? Here are a few suggestions: During your retirement years, you may want to move your portfolio toward a somewhat more conservative approach by owning investments that offer significant protection of principal. However, these same investments offer little in the way of growth, which means they are susceptible to inflation. Consequently, you’ll also need to own a reasonable amount in growth-oriented investments, such as stocks and stock-based securities. Of course, these investments will fluctuate in value as the financial markets move up and down, but by owning some more conservative investments, you can reduce the overall impact of market volatility on your portfolio. You might want to consider treasury inflation-protected securities, which are indexed to the Consumer Price Index, so the principal increases with inflation (and decreases with deflation). Another inflation-adjusted Treasury security is the I bond, which differs from treasury inflation-protected securities in that the principal doesn’t change but the interest rate does, every six months, based on a combination of a fixed interest rate and the inflation rate. Like all investments, though, treasury inflation-protected securities and I bonds have various features and risks of which you should be aware before investing. You can start collecting Social Security benefits at 62, but your monthly checks will be much bigger if you wait until your full retirement age, likely between 66 and 67. You would receive the maximum amount if you waited until 70 before collecting. Of course, if you need the money to help support your retirement, you may not be able to afford to wait, but if you can, your bigger checks can be a big help against inflation. During your working years, it’s a good idea to have an emergency fund containing several months’ worth of living expenses in liquid, low-risk accounts. And when you’re retired, you might want to have up to a year’s worth of expenses in such a fund. But be careful about holding too much cash, as it will lose purchasing power each year due to inflation. Instead, when keeping cash, seek the “Goldilocks” solution — not too little, not too much, but just the right amount. If you like what you do, you might want to consider working a few years longer than you had originally intended. Not only will you be bringing in more income, but you could also continue to contribute to retirement accounts, including your IRA and 401(k). Even if you don’t want to continue working full-time, you could do some part-time work or consulting. Any earned income you bring in can help in your fight against inflation. You can’t control the cost of living, but by making some of the moves described above, you can help yourself mount a defense against the effects of inflation during your retirement years.
NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Change your relationship with money Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. Know your “why” When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. Budget, budget, budget “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. Pay down outstanding debt “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. Take control of your credit card interest rate “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. Set realistic, practical goals When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. Don't ‘flamingo' or bury your head in the sand “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automate savings, where possible Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Slow down Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Focus on financial wellness Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— 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.
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Reniya Kelly scores 18 and No. 16 North Carolina women beat 14th-ranked Kentucky 72-53NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— 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.Warner Music Tumbles After Results Show Streaming Slows
SUNNYVALE, CA / ACCESSWIRE / December 23, 2024 / TechStar Acquisition Corporation, a special purpose acquisition company listed in Hong Kong, announced that it entered a Business Combination Agreement with Seyond, a solution provider of high fidelity, high-performance LiDAR and intelligent sensing systems. Upon completion of the merger, Seyond is expected to be successfully listed on the Hong Kong Stock Exchange. The agreed valuation for this De-SPAC transaction is 11.7 billion Hong Kong dollars. Additionally, Seyond has introduced three PIPE investors with a cumulative investment of approximately 553.1 million Hong Kong dollars. Previously, Seyond has garnered investments from a host of prestigious institutions, including NIO Capital, Temasek, ERVC, Gaorong Ventures, Joy Capital, BAI Capital, Shunwei Capital, and Guotai Junan Venture Capital, among others. Established in 2016, Seyond specializes in providing automotive-grade LiDAR solutions for autonomous driving and a variety of automotive and non-automotive applications. As the first company to achieve mass production of automotive-grade high-performance LiDAR, Seyond ranked first globally in sales revenue of passenger car LiDAR solutions in 2022 and 2023. Rigorously tested with proven automotive-grade reliability and lifetime, Falcon, the flagship 1550nm LiDAR sensor for high-level autonomous driving, is mass-produced, with over 400,000 units delivered globally. Additionally, Seyond achieved a design win for its 905nm wavelength LiDAR products with a leading new energy automotive OEM, becoming the only company in the LiDAR industry with mass production experience in both 1550nm and 905nm products. In addition to the automotive market, Seyond is strategically expanding into the robotic and intelligent transportation markets with combined revenue opportunities of over USD 260 billion globally by 2031, aiming to create a more substantial revenue scale. Seyond is looking forward to embarking on this exciting new journey with its investors, partners, and customers. On January 7-10, the company will exhibit its latest technology at CES 2025 in Las Vegas, Nevada. Attendees visiting Booth #5060 will learn how Seyond's LiDAR solutions power intelligent systems worldwide. About Seyond SeyondTM is a global leader in high fidelity LiDAR solutions, powering a safer, smarter and more mobile world across the automotive, intelligent transportation, robotics and infrastructure industries. Seyond delivers a dynamic portfolio of robust, high resolution LiDAR sensors, perception software, and the Seyond ITS Management Platform (SIMPL). Founded in Silicon Valley with a global footprint, Seyond is dedicated to the highest quality engineering and manufacturing, and unwavering commitment to our customers. About TechStar TechStar is a special purpose acquisition company incorporated for the purpose of effecting a business combination with one or more businesses, with efforts concentrated on companies in new economy sectors, including but not limited to innovative technology, advanced manufacturing, healthcare, life sciences, culture and entertainment, consumer and e-commerce, green energy and climate actions industries. TechStar completed an offering comprising 100,100,000 TechStar Class A Shares at an offer price of HK$10.00 per TechStar Class A Share and 50,050,000 TechStar Listed Warrants on December 23, 2022. CONTACT: Name: Sally Frykman Email: sally.frykman@seyond.com SOURCE: Seyond View the original on accesswire.comWASHINGTON, D.C. — Elon Musk, bouncing between meetings on Capitol Hill with his young son on his shoulders, and Vivek Ramaswamy spoke with large groups of lawmakers on Thursday about a significant effort to slash government spending once President-elect Donald Trump takes office in January. “It’s a new thing and this is a new day in Washington, a new day in America,” House Speaker Mike Johnson said of the incoming Department of Government Efficiency, or DOGE, before entering a meeting with Musk, Ramaswamy and top Republican congressional leaders. Johnson said the “brainstorming session” was “the beginning of a journey” and wouldn’t produce detailed plans this week. Musk declined to answer reporters’ questions as he smiled and walked quickly ahead of the speaker with his 4-year-old son. But the pair of wealthy business leaders who Trump named to run the new unofficial agency have offered some public hints about where they might target their efforts — particularly in firing or pressuring government workers to quit, reversing regulations and eliminating areas of funding. What does DOGE mean for Maryland? Their plans could have an outsized impact in Maryland . With about 160,000 civilian federal jobs, the state is home to the headquarters of the Social Security Administration, the National Institutes of Health, the U.S. Census Bureau and more. It also relies heavily on federal funding that pads about a third of the state budget — which is already strapped for cash in the coming years — and provides aid to local organizations. A DOGE social media account on X, which Musk owns, has specifically singled out funding at the National Institutes of Health. Headquartered in Bethesda, the national medical research agency makes major investments in health research across the state, with Maryland as one of its major beneficiaries. A post from DOGE last week claimed NIH spent $1.8 billion “studying racism” in 2024 through grants with names like “examining anti-racist healing in nature.” A Baltimore Sun review of the data referenced in the post indicates the $1.8 billion were actually funds from the 1992 through 2025 fiscal years. Maryland institutions have received the fifth-most amount of those funds, primarily because of research conducted at Johns Hopkins University, which was also the fifth-largest individual recipient of funds in the country. The Johns Hopkins grants, at least for the category referenced by DOGE, have focused on researching health disparities, including in areas like cancer, suicide, pediatrics and reproductive health. U.S. Sen. Chris Van Hollen, a Maryland Democrat and member of the Appropriations Committee that would have more authority to determine government spending than the unofficial DOGE, said he would defend the kind of funding that’s been identified so far. “Everyone agrees government should work more efficiently. But by targeting science, MAGA Republicans are ultimately going after efforts to develop life-saving cures for diseases like cancer and Alzheimer’s and threatening public health,” Van Hollen said in a statement. “Our nation’s research should remain grounded in science, not driven by politics, which is why I will always fight to protect the integrity of our public health agencies as well as the people who drive them forward.” A Johns Hopkins spokesperson did not return a request for comment Thursday. U.S. Rep. Kweisi Mfume, a Democrat whose Baltimore-based district includes the campus, also did not immediately return a request for comment. Who’s joining the DOGE caucus? Maryland’s mostly Democratic federal delegation has not joined or publicly supported DOGE as a few other congressional Democrats have. U.S. Rep. Marjorie Taylor Greene, a Georgia Republican, has been named the chair of a new DOGE subcommittee on the House Oversight Committee when the next session begins in January. U.S. Rep. Jared Moskowitz, of Florida, became the first Democrat to join the caucus. In a hearing Thursday about the assassination attempts against Trump this year, Moskowitz said he joined because he wants to reform the Department of Homeland Security, including removing from its control the U.S. Secret Service that came under fire after Trump was shot in July. Those kinds of changes will be easier said than done, he noted. “Everyone wants to protect their sacred cow,” Moskowitz said during the hearing. ‘A lot of change’ coming to Washington, speaker says While Johnson claimed there was “an enormous amount of waste, fraud and abuse in the government,” efforts to identify and eliminate federal spending is far from new, and spending has ultimately increased under both Republican and Democratic administrations. Musk has said he plans to reduce the $6.8 trillion budget by $2 trillion, a figure that would require drastic cuts. And though entitlement programs like Medicare and Social Security are major cost-drivers, Greene told reporters after one of the meetings Thursday that “no one wants to hurt Americans in that category.” The closed-door meetings included both small and large groups of House members and senators. Republicans will control both chambers once the next session of Congress begins Jan. 3 and before Trump takes office Jan. 20. “You’re going to see a lot of change around here in Washington and the way things are run,” Johnson said. ©2024 Baltimore Sun. Visit baltimoresun.com . Distributed by Tribune Content Agency, LLC.
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Freddie Flintoff's Bullseye reboot major update after record-breaking showI remember where I was when I first heard the term. It was early 1998 and I was in a McDonald's drive-thru. My friend was explaining to me why he and his family had decided to move to rural Arkansas next year. "Y2K," I said. "What's that?" ADVERTISEMENT Y2K. The "millenium bug" arriving in the year 2000. The new millennium. Some of you might well remember this time. For those under about age 30, let me catch you up. Many of the computers used in government and business in the late 20th century, including ones that powered the early internet, supposedly had something of a ticking time bomb inside of them. "It's very hard to tell how bad the situation will be. I'm sure things will break. It's very hard to dispel a nightmare scenario," Nathan Myhrvold, Microsoft's chief technology officer, was cited as saying in a January 1999 Forum column. "The dark-side scenario of airplanes falling out of the sky and bank computers crashing is possible. But it's fundamentally very, very hard to know whether the impact will be big or little." The problem was the two-digit-year date field (think "93" as in "1/1/93"). Theoretically, the arrival of the new millennium — the year 2000 — would reset all these computer clocks to "00" as in "1/1/00," wrecking anything that counted on dates to function properly. Theoretically, anyway. The list of public fears was a long one, illustrating how central computer technology had become in our lives, and mirroring larger uncertainty about the new millennium. And while company officials and local, state and federal officials sought to reassure the public, ongoing reporting indicated nobody was quite sure nothing would fail. So the fears remained up until the last minute. ADVERTISEMENT "Up against the deadline for fixing an unprecedented technological blunder, the world exhibited some jitters Thursday over the prospect of failures in the computers on which we depend," wrote the Associated Press, as printed by The Forum on New Year's Eve, 1999. "There was testing galore and a few confessions of Y2K-unreadiness." Some religious figures took the moment to insist the coming apocalypse was God's judgment on a wayward culture. "(God) may be preparing to confound our language, to jam our communications, scatter our efforts and judge us for our sin and rebellion against his lordship," evangelical Christian leader Jerry Falwell said in August 1998. "We are hearing from many sources that Jan. 1, 2000, will be a fateful day in the history of the world." As if to embody the looming fears, WWE wrestler Chris Jericho gave himself the moniker Y2J (for Jericho), playing off the Y2K term. His entrance to arenas was marked by a countdown video that, when it got to zero, included shutting off the venue lights, leaving people in noisy darkness before Jericho was revealed. As the year 2000 approached, the fears began to grow into something of a hysteria for some people, sparking drastic decisions, like my friend's family's decision to move to the woods. Others took money out of the bank. Some stocked up on supplies and guns and ammunition to survive the coming failure of civilization. The growing fears were in odd juxtaposition to the more joyful expressions by some about the year 2000. Big millennium parties were planned. Monopoly put out a millennium edition with fancy holographic cards. The boy band Backstreet Boys released their "Millennium" album, still iconic among my generation (OK, fine — I'm listening to it right now). Many people dismissed the fears and planned to go about their lives, expecting the furor was overblown. ADVERTISEMENT I moved from North Dakota to South Dakota in 1999, and as the new millennium approached, I was about 55% convinced Y2K was going to cause big problems. I remember counting down the last days of the 1900s and thinking everything was possibly about to change. It didn't, of course. While there were some hiccups among some computer systems, much of the billions of dollars in preparation worked. A concerted global effort to stave off disaster was effective. The apocalypse never arrived, civilization continued. In fact, my daughter was born later that year — one of many "millennium" babies who are now 24 years old. So what happened to my friend who moved to Arkansas? I don't know. I'd like to think he and his family went on to live their best life in a cabin in the Ozarks, ready for the end of the world that never arrived. Have a moment or person in history that you think is especially interesting? Contact me at jfugleberg@forumcomm.com and tell me why you think it would be a great subject for this column.
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