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ATLANTA (AP) — Already reeling from their November defeats, Democrats now are grappling with President Joe Biden’s pardoning of his son for federal crimes, with some calling the move misguided and unwise after the party spent years slamming Donald Trump as a threat to democracy who disregarded the law. The president pardoned Hunter Biden late Sunday evening, reversing his previous pledges with a grant of clemency that covers more than a decade of any federal crimes his son might have committed. The 82-year-old president said in a statement that his son’s prosecution on charges of tax evasion and falsifying a federal weapons purchase form were politically motivated. “He believes in the justice system, but he also believes that politics infected the process and led to a miscarriage of justice,” said White House press secretary Karine Jean-Pierre, who along with Biden and other White House officials insisted for months that Hunter Biden would not get a pardon . That explanation did not satisfy some Democrats, angry that Biden’s reversal could make it harder to take on Trump , who has argued that multiple indictments and one conviction against him were a matter of Biden and Democrats turning the justice system against him. “This is a bad precedent that could be abused by later Presidents and will sadly tarnish his reputation,” Colorado Gov. Jared Polis wrote of Biden on the social media platform X. “When you become President, your role is Pater familias of the nation,” the governor continued, a reference to the president invoking fatherhood in explaining his decision. “Hunter brought the legal trouble he faced on himself, and one can sympathize with his struggles while also acknowledging that no one is above the law, not a President and not a President’s son.” Rep. Greg Stanton, D-Ariz., said on X: “This wasn’t a politically motivated prosecution. Hunter committed felonies and was convicted by a jury of his peers.” Colorado Sen. Michael Bennet said Biden “put personal interest ahead of duty” with a decision that “further erodes Americans’ faith that the justice system is fair and equal for all.” Michigan Sen. Gary Peters said the pardon was “an improper use of power” that erodes faith in government and “emboldens others to bend justice to suit their interests.” Sen. Peter Welch, D-Vt., called the pardon “understandable” if viewed only as the “action of a loving father.” But Biden's status as “our nation's Chief Executive," the senator said, rendered the move “unwise.” Certainly, the president has Democratic defenders who note Trump’s use of presidential power to pardon a slew of his convicted aides, associates and friends, several for activities tied to Trump’s campaign and first administration. “Trump pardoned Roger Stone, Steve Bannon, Michael Flynn and Paul Manafort, as well as his son-in-law’s father, Charles Kushner — who he just appointed US ambassador to France,” wrote prominent Democratic fundraiser Jon Cooper on X. Democratic National Committee Chairman Jaime Harrison said there “is no standard for Donald Trump, and the highest standard for Democrats and Joe Biden.” Harrison pointed to Trump's apparent plans to oust FBI Director Christopher Wray and replace him with loyalist Kash Patel and suggested the GOP's pursuit of Hunter Biden would not have ended without clemency. “Most people will see that Joe Biden did what was right,” Harrison said. First lady Jill Biden said Monday from the White House, “Of course I support the pardon of my son.” Democrats already are facing the prospects of a Republican trifecta in Washington, with voters returning Trump to the White House and giving the GOP control of the House and Senate. Part of their argument against Trump and Republican leaders is expected to be that the president-elect is violating norms with his talk of taking retribution against his enemies. Before beating Vice President Kamala Harris, Trump faced his own legal troubles, including two cases that stemmed from his efforts to overturn his defeat to Joe Biden in the 2020 presidential election. Those cases, including Trump’s sentencing after being convicted on New York state business fraud charges, have either been dismissed or indefinitely delayed since Trump’s victory on Nov. 5, forcing Democrats to recalibrate their approach to the president-elect. In June, President Biden firmly ruled out a pardon or commutation for his son, telling reporters as his son faced trial in the Delaware gun case: “I abide by the jury decision. I will do that and I will not pardon him.” As recently as Nov. 8, days after Trump’s victory, Jean-Pierre ruled out a pardon or clemency for the younger Biden, saying: “We’ve been asked that question multiple times. Our answer stands, which is no.” The president’s about-face came weeks before Hunter Biden was set to receive his punishment after his trial conviction in the gun case and guilty plea on tax charges. It capped a long-running legal saga for the younger Biden, who disclosed he was under federal investigation in December 2020 — a month after his father’s 2020 victory. The sweeping pardon covers not just the gun and tax offenses against the younger Biden, but also any other “offenses against the United States which he has committed or may have committed or taken part in during the period from January 1, 2014, through December 1, 2024.” Hunter Biden was convicted in June in Delaware federal court of three felonies for purchasing a gun in 2018 when , prosecutors said, he lied on a federal form by claiming he was not illegally using or addicted to drugs. He had been set to stand trial in September in a California case accusing him of failing to pay at least $1.4 million in taxes. But he agreed to plead guilty to misdemeanor and felony charges in a surprise move hours after jury selection was set to begin. In his statement Sunday, the president argued that such offenses typically are not prosecuted with the same vigor as was directed against Hunter Biden. “The charges in his cases came about only after several of my political opponents in Congress instigated them to attack me and oppose my election,” Biden said in his statement. “No reasonable person who looks at the facts of Hunter’s cases can reach any other conclusion than Hunter was singled out only because he is my son. ... I hope Americans will understand why a father and a President would come to this decision.” Associated Press journalists Will Weissert aboard Air Force One and Darlene Superville, Mary Claire Jalonick and Michael Tackett in Washington contributed to this report. Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission. Be the first to know Get local news delivered to your inbox!JAMESTOWN — The Jamestown Adult Learning Center (ALC) celebrated its GED Graduation Ceremony on Dec. 18 at the James Valley Career and Technology Center. Seven students successfully completed their GED examinations so far this academic year, with three students in attendance for the ceremony: Kat Dobson, Josh Redfearn and Melissa Schlecht Bryan Miller, ABE coordinator for the Jamestown ALC, served as the master of ceremonies for the event. Heidi Eckart, JVCTC assistant director, welcomed the attendees and addressed the graduates. Katie Hemmer delivered the commencement address. The dais was open to all attendees, where one supporter highlighted a graduate's role as an inspiration and expressed enthusiasm about the graduate's future endeavors. ADVERTISEMENT Generous contributions from local businesses helped make the event a success, Miller said. RTS Shearing, Sherbenske’s, and Cavendish Farms provided pizza, drinks and decorations. Walmart donated a graduation cake, while Whisk ‘N Crumb contributed cupcakes. Vocational Rehab provided balloons. The Jamestown ALC encourages individuals interested in earning their GED to reach out to Miller through the Jamestown ALC Facebook Group or by contacting the James Valley Career and Technology Center. The Jamestown ALC also offers English Language Learning (ELL) classes to assist individuals looking to improve their English skills. Businesses or individuals who would like to assist in funding GED test fees may contact Miller for more information. For further details, contact the Jamestown Adult Learning Center.

After a 2024 WNBA season that saw unprecedented interest , the 2025 season is locked and loaded. Editor's Picks Which WNBA players might hear their name called in the Valkyries' expansion draft? 10d Kevin Pelton The W announced its 2025 regular season on Monday that will begin on Friday, May 16, and conclude on Thursday, Sept. 11. The new season will introduce many new additions, including the debut of the WNBA's expansion team, the Golden State Valkyries . The season will also include 44-games, with each team playing 22 home and away games each. Golden State will play in its inaugural game against the Los Angeles Sparks , followed by the 2024 WNBA Finals runner-up Minnesota Lynx taking on the Dallas Wings , who are expected to land UConn Huskies guard Paige Bueckers as the No. 1 pick in the 2025 WNBA draft. Opening night in the WNBA will conclude with the Atlanta Dream facing the Washington Mystics . Each team revealed its 2025 schedules on social media Monday, doing so in comedic manner, respectively. Here are the schedule releases of each WNBA team. Atlanta Dream Welcome to the cookout! 🅰️ #DoItForTheDream pic.twitter.com/L8dgyUNlJ0 Chicago Sky Suspect's schedule just released and hopes we can all take a joke 😂 Can't wait to see you in 2025! #Skytown pic.twitter.com/Dh7aPtpD3M Connecticut Sun The Connecticut Sun 2025 Season Forecast #BringTheHeat | #CTSun pic.twitter.com/0Wq44G89SM Dallas Wings We got our schedule, let's try it & rate it 1-10 😋 pic.twitter.com/SSISOTud1y Golden State Valkyries Valkyries fans, mark your calendars! 🗓️ Our 2025 schedule is here and we can't wait to tip off our inaugural season. Let's take flight, together. #JointheAscent @aboutKP | 2025 Season pic.twitter.com/ICQCYNE5MV Indiana Fever mascot pictionary: schedule release edition 🎨 Lil Freddy & @FreddyFever take turns drawing opposing @WNBA team logos in less than 30 seconds 🤣 which drawing is the best? see our full season schedule presented by @lacroixwater at https://t.co/S4bgyUpubH . pic.twitter.com/SXVEEGQlSg Las Vegas Aces 2025 SCHEDULE 🤝 #ALLINLV pic.twitter.com/4p9slE6drX Los Angeles Sparks . @WNBA schedule just dropped?! Music to our ears. 🎶 Full schedule: https://t.co/SIIj7aVUHk pic.twitter.com/jqAQylN4pb Minnesota Lynx new wrapped just dropped pic.twitter.com/JWNmyiSdvS New York Liberty elLIE Detector Test 🧐🐘 Coming at you live with our 2025 Schedule presented by @Ticketmaster !!! 🗓️ https://t.co/AaRx2N9h2J pic.twitter.com/20Q4DuwnHz Phoenix Mercury When we say we're a family around here, we mean the kind of family that goes to that department store to take pictures for the holiday card. You know the ones. With that being said, the 2025 schedule is here! pic.twitter.com/fFS4n1zvyM Seattle Storm This season's going to be a movie 🎬🍿 pic.twitter.com/o3qyDyRyPE Washington Mystics DMV, STAND UP! 😏 IT'S TIME! OUR 2025 SCHEDULE IS HERE 🤭 pic.twitter.com/3vWjh2g1pwJERUSALEM — Hezbollah fired into a disputed border zone held by Israel on Monday after multiple Israeli strikes inside Lebanon since a ceasefire took hold last week. The militant group said the volley, its first during the truce, was a warning shot in response to what it called repeated Israeli violations. Israeli leaders threatened to retaliate and within hours, Israel’s military carried out a string of strikes in southern Lebanon, including five hits in the al-Tuffah region, Lebanese state media reported. There was no immediate word on casualties or what was struck. Lebanon’s parliament speaker, Nabih Berri, accused Israel of violating the truce more than 50 times in recent days, with strikes, demolition of homes near the border and overflight of drones. Meanwhile, President-elect Donald Trump demanded the immediate release of Israeli hostages still being held in Gaza, saying on social media that if they are not freed before he is sworn into office for a second term there will be “HELL TO PAY.” It was not immediately clear whether Trump was threatening to directly involve the U.S. military in Israel’s campaign in Gaza. Get local news delivered to your inbox!

Authored by Roger Kimball via American Greatness, Last week in this virtual space, I wrote that Donald Trump would make a renewed effort during his second term to dismantle “the administrative state.” As in his first term, he would employ various strategies to blunt the effects of the administrative apparatus that governs us. He would, for example, disperse some parts of the government outside the overwhelmingly left-progressive swamp of Washington, D.C. As an aside, I should note that I regard the persistence of Washington as the seat of our government as a serious impediment to the goal of “ deconstructing ” the administrative state. “It has,” I wrote back in 2022, “long been obvious to candid observers that there is something deeply dysfunctional about that overwhelmingly Democratic, welfare-addicted city.” It is a partisan sinkhole. Jefferson wanted the capital moved from New York to Washington in part to bring it closer to the South, but also to place it in a locality that was officially neutral. There is nothing neutral about Washington today. The city has some impressive architecture and urban vistas. They should be preserved and staffed as tourist attractions. But the reins of power should be relocated. I doubt that will happen. Which means that the eternal vigilance that MAGA must maintain around its enemies will have to be redoubled. Trump attempting to govern from Washington will be like Ike trying to undertake the Normandy invasion with half his planners on loan from the German general staff. Still, there are some symbolic gestures that he and his aides might consider. I have long suggested that the inauguration be held somewhere other than Washington, D.C. There is nothing in the Constitution that requires the inauguration be in Washington. LBJ, remember, was sworn in on Air Force One just a couple of hours after Kennedy was assassinated. When Warren Harding died, Calvin Coolidge was visiting the family homestead in Vermont. His father, a justice of the peace, administered the oath of office in the parlor. I think the next inauguration should be well away from the swamp of Washington. Mar-a-Lago in Palm Beach is one venue that springs to mind, but I am sure there are other attractive spots. At a minimum, I hope the inauguration committee will consider having some of the parties elsewhere. A ball in Butler, PA, for example, would not only be celebratory but also serve as a useful reminder of how close Trump came to a fatal encounter with an assassin’s bullet. But the trouble with “Washington”—I use scare quotes to indicate that we are dealing with spiritual as well as geographical dispensation—is not only its partisan nature. There is also its apparently unstoppably expansionist character. No matter which party is in power, the business of Washington is to make government bigger—forever. Republicans talk about “limited government.” They then sign on to nearly every scheme to make government bigger and more intrusive. Democrats do the same, of course, but they generally skip the rhetorical foreplay about making government smaller. One huge difference this time around will be the Department of Government Efficiency, DOGE for short, an ad hoc executive initiative that will be overseen by Elon Musk and Vivek Ramaswamy. They outlined their bold plan in an op-ed for The Wall Street Journal last week. “Unlike government commissions or advisory committees,” they noted, “we won’t just write reports or cut ribbons. We’ll cut costs.” Will they? It would be pretty to think so. Musk has said that he wants to cut government expenditures by $2 trillion. If he could manage even a quarter of that amount, it would be something to write home about. It may seem utopian. But remember, Musk bought Twitter and instantly cut the workforce by 80 percent. He vastly improved the platform, salvaged free speech, and transformed a dying company into a dynamic one. As usual, the devil will be in the details. Musk and Ramaswamy may identify the ideal candidates for downsizing or elimination. Exactly how will they move from pen to scissors is the $64,000—or rather, the $2 trillion—question. I take solace from the thought that if anyone can do it, the triumvirate of Trump, Musk, and Ramaswamy can. Naturally, opposition will be ferocious. Will it also be effective? Time will tell. I have not yet answered the question posed in my title: “What is the administrative state?” A friend asked me that in the course of our conversation about my column last week. Isn’t it possible, he asked, that “administrative state,” like its scarier sounding cousin, “deep state” is just a polysyllabic synonym for “state,” for the complex activities of government in a complex, technologically advanced polity? Maybe “administrative state” is just an invention of right-wing “conspiracy theorists” who find goblins where there are only harmless bureaucrats? I nattered on about the growth of the regulatory state, the battalions of unelected and unaccountable bureaucrats who govern us from their perches in the alphabet soup of modern, Kafkaesque governance, and put in a plug for Tocqueville’s analysis of “democratic despotism.” I also noted that the phrase “conspiracy theorist” is generally used in a prophylactic, not a descriptive sense. That is, it is a phrase that is wheeled out when the aim is to end, not further, the conversation. The problem is not conspiracy theories, but conspiracies in fact. One example. When revelation of the contents of Hunter Biden’s “laptop from hell” threatened to upend Joe Biden’s 2020 presidential campaign, Anthony Blinken asked acting CIA director Michael Morell to organize a letter signed by 51 former intelligence officers stating that the laptop bore all the signs of “Russian disinformation.” Morell did this, he said, in order to give Biden a “talking point” for his forthcoming debate with Donald Trump. The public did not know this at the time. When the truth leaked out, the establishment claimed it was only a “conspiracy theory” put about by Trump supporters. But it wasn’t a conspiracy theory . It was a conspiracy in fact. I stand by everything I said, but I did not say enough, and what I did say was not precise enough. Formulating definitions is often a mug’s game. This is because, for any important matter, a definition that is true will also have to be so general as to be vacuous or at least unilluminating. What is love? What is virtue? What is knowledge? In everyday life, these chestnuts from the philosophy seminar tend to get assimilated to the indefinite definition Justice Potter Stewart offered for “obscenity”: “I know it when I see it.” Still, there’s something to be said for making the effort. So here goes. “‘The administrative state’ is that quota of political power that covertly fills the vacuum left by the failure of the legislative branch to discharge its obligations.” Two things are critical. One is the displacement of sovereignty. No longer are the people sovereign. The bureaucracy is. The second critical thing is the covert nature of the enterprise. The question “What is the administrative state?” can seem difficult to answer because it is not supposed to exist in the first place. You know it only by its actions. You cannot look it up in the statute book, much less in the Constitution. Indeed, the very fact of the administrative state violates any number of Constitutional norms, not least its being a sort of “fourth branch” of government when the Constitution provides for only three. Edmund Burke touched on an essential aspect of this process in Thoughts on the Cause of the Present Discontents (1770). Criticizing the Court of George III for circumventing Parliament and establishing by stealth what amounted to a new regime of royal prerogative and influence-peddling, Burke saw how George and his courtiers maintained the appearance of parliamentary supremacy while simultaneously undermining it. “It was soon discovered,” Burke wrote with sly understatement, “that the forms of a free, and the ends of an arbitrary Government, were things not altogether incompatible.” That malign co-habitation stands behind the growth of the administrative state. We still vote. We still have a bicameral legislature. But behind these forms of a free government, the essentially undemocratic activities of an increasingly arbitrary and unaccountable regime pursue an expansionist agenda that threatens liberty in the most comprehensive way, by circumventing the law. The shadowy nature of the administrative state helps to explain why it is so hostile to free speech and, by the same token, why it tends to be receptive to the deployment of censorship and police power to achieve its ends and stymie the ends of its critics. That is why the rise of the administrative state goes hand in hand with the loss of public confidence in society’s guiding institutions. Talk of “democracy” and “our democracy” is ever on their lips. SWAT teams, prosecutorial abuse, and lawfare are out on the street for all to see. Bottom line: The age of the administrative state is at the same time an age of declining legitimacy in the foundational institutions of civil society. Officially, the administrative state is not supposed to exist. Having people talk about the fact that it does exist and that it often pursues ends that are contrary to the ends of the people outside its magic circle of custodians means that by definition free inquiry is a threat to its perpetuation. That is one reason that the administrative state is so hostile to democracy. It is also an important reason why it must be dismantled and returned to the graveyard of rebarbative systems of political obfuscation and bureaucratic tyranny.

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Some of the earliest adopters of USB-C technology in the smartphone industry include OnePlus and LeTV, with other manufacturers like Samsung and Motorola following suit. Despite popularizing the trend with the 12-inch MacBook in 2015 that boldly only featured a single USB-C port, it took Apple another eight years to bring the now-mainstream charging port to the iPhone. Up until this point, every iPhone shipped with Apple's proprietary Lightning port. While this was an improvement over the older 30-pin connector and helped create a lot more space on the inside of its devices for other components, USB-C on iPhones had been long overdue. Released in 2023, the entire iPhone 15 series got an upgrade to the USB-C standard — matching other products like the iPad and AirPods in Apple's lineup. So, does USB-C really bring noticeable upgrades over Lightning — or is it smarter to buy an old iPhone for a better deal? Read on to explore more as we dissect the major differences between the two charging standards. Let's start with the physical differences between the two charging connectors. Both USB-C and Lightning feature reversible ports, so you don't have to flip your cable twice only to realize you got it right the first time. Lightning debuted with the iPhone 5 in 2012 and came with a much smaller footprint than the 30-pin connector it replaced. It features eight pins on each side, for a total of sixteen, and is comparatively slimmer. USB-C was released in 2014 and comes in a 24-pin configuration. Compared to Lightning, it has a more rigid design and is a connector that's known to last long. USB-C also features a much faster rate of data transfer, promising speeds of up to 10 Gbps on the iPhone 15 Pro and 16 Pro models and their Max variants. The regular iPhone's USB-C speeds are slower since the non-Pro models are limited to USB 2 speeds of up to 480 Mbps. This will be noticeable if you're transferring over large video files, given that both connected devices support high-speed transfers. It's also worth noting that the USB-C charging and data transfer cable that Apple ships with all iPhones is only capable of slower USB 2 speeds, and you'll have to look at other USB-C cable brands if you wish to take full advantage of the new port on the costlier iPhones. One advantage that USB-C brings over other standards is charging speed. On compatible devices paired with the right adapter, USB Power Delivery boasts charging speeds of up to 240W. This makes it the ideal connector type for most modern laptops. Today's Android phones come with USB-C, and many feature fast charging speeds of up to 100W — but some devices, like the OnePlus 12, rely on proprietary charging technology. This often means having to carry around the supplied charging brick and cable if you want the fastest speeds. The story is a bit different for the iPhone. Despite rumors suggesting that the iPhone 16 comes with a faster 45W charging experience, testing by credible sources like GSMArena reveals that it's mostly capped at 30W. Apple still lists charging times for its Lightning and USB-C iPhones based on a 20W adapter. Comparing charging speeds on a recent Lightning-powered iPhone to the newer Type-C models is unlikely to show major improvements, if any. Still, picking the fastest charger for your phone can help you reach the maximum speeds it is capable of. If you've been an Apple user in the past, you likely have dozens of Lightning cables — broken and functional alike. The switch to USB-C can take some getting used to at first, especially if you have AirPods and other accessories that still use the Lightning port. A benefit that USB-C brings is its widespread adoptabilty — including everything ranging from smartphones and headphones to electric trimmers and external storage. You can have a single PD-compatible USB-C cable to charge your laptop, phone, earphones, and other gadgets. With the iPhone finally catching up, everyone has one less cable to worry about. There's also the talk about USB-C vs Thunderbolt , highlighting yet another improvement that it brings over Lightning — native video output. Apple licenses its proprietary Lightning connector as well, meaning there's a chance that a third-party uncertified cable may not work with your iPhone. Not only does relying on USB-C benefit you as a consumer, but will work in favor of the environment — something Apple and other companies can't seem to stop talking about. In summary, USB-C far exceeds Lightning in terms of charging speed, data transfer rate, compatibility, and durability. While current-gen iPhones may not benefit much in terms of the sheer wattage, you do see improvements while transferring huge files — like the ProRes videos that can weigh multiple gigabytes.Yankees’ slugging prospect losing luster: He ‘badly needs a strong 2025′

Trump nominates investment banker to be US ambassador to UK1. A seasonal winter tree doormat to give your holiday guests a merry welcome. Promising review: "Great sturdy doormat, perfect for winter." — Walmart Customer Price: $16.47 2. A set of two snowflake pillow covers for those dreaming of a snowy holiday but prefer to snuggle on the couch indoors. Promising review: "Very nicely made. Sewn well. Quality fabric...good weight, NOT flimsy, thin or cheap looking. Unbeatable price. AND they arrived less than 24hrs after placing the order. These are the perfect 'finishing touch' to my sofa/loveseat throw pillow collection for Christmas. Wouldn't hesitate to buy them again." — KarenO Price: $10.99 (originally $39.99; available in four colors) 3. A curtain of LED fairy lights that will add some sparkle to your window treatments. There's also no rule that these are just for the holidays, either. Promising review: “I LOVE THESE LIGHTS! 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By Abby Badach Doyle, NerdWallet It won’t be impossible to buy a house in 2025 — just be prepared to play on hard mode. According to a November 2024 report from ICE Mortgage Technology, the monthly principal and interest payment on an average-priced home is $2,385. While that’s not the highest it’s ever been, it’s still a sharp increase — nearly 80% — from just three years ago. In November 2021, when mortgage rates averaged 3%, the monthly principal and interest on an average-priced home was $1,327 per month. So here’s the key to buying in 2025: Look ahead, not back. Regret won’t help you budget for today’s new normal. And with this year’s election also in the rearview mirror, so is some uncertainty among buyers and sellers that historically slows the market during every presidential election cycle. “People have just been kind of sitting waiting to see what’s going to happen,” says Courtney Johnson Rose, president of the National Association of Real Estate Brokers, an industry group for Black real estate agents. “I’m hopeful that the new year will bring more attention to real estate, more excitement to real estate, and more opportunities for first-time home owners to get in the game.” Preparing to buy a house is a lot like dressing for the weather. It’s easier when the outlook is sunny — but with some planning, you can gear up to face any condition. Here’s what housing market experts are forecasting for the upcoming year. Related Articles Real Estate | Affordable housing projects in Central Florida get financial help from millions in grants Real Estate | Richland buys Bronson’s South Lake Toho ranch for $110 million Real Estate | Average rate on 30-year mortgage snaps 3-week slide and rises to highest level since late November Real Estate | US home sales hit fastest pace since March with more properties up for sale Real Estate | Ask a real estate pro: Our neighbor flies drones near houses. What are our privacy rights? First, home prices: We’ll likely see more modest growth in 2025, a change from skyrocketing prices in recent years. After 16 consecutive months of year-over-year price increases, the median existing-home sales price hit $407,200 in October, according to the National Association of Realtors. In 2025, with more supply trickling in to temper price increases, NAR chief economist Lawrence Yun forecasts a median existing-home sales price of $410,700, up just 2% over this year. Next, housing inventory: Demand still outpaces supply. While we don’t expect a return to a buyer’s market, competition should be less cutthroat. Realtor.com forecasts a balanced market in 2025 with an average 4.1-month supply of homes for sale, up from an average 3.7-month supply so far in 2024. That would make 2025 the friendliest market for buyers since 2016, which had an average 4.4-month supply. Finally, mortgage rates: After topping 8% in October 2023, the 30-year mortgage rate has slowly eased into the 6.5%-7% range this year. Rate cuts from the Federal Reserve have helped nudge that downward. Despite earlier optimism, forecasters’ latest consensus is for rates to effectively plateau above 6% throughout 2025. That said, every year has its wild cards. In 2025, it’s still uncertain how President-elect Donald Trump and a Republican-led Congress might shake up regulations and tax policies that affect the U.S. housing market. National forecasts don’t analyze what matters most: Your personal cash flow. To get ready to buy, first meet with a financial advisor or use an online calculator to determine how much house you can afford . You can also get free or low-cost advice from a housing counselor sponsored by the U.S. Department of Housing and Urban Development (HUD). Next, look into down payment and closing cost assistance from state housing finance agencies, local governments, nonprofits and mortgage lenders. Your employer or labor union might offer assistance, too. First-time buyers with income below their area median have the most options, but repeat or higher-income borrowers can qualify for some programs as well. “I think that there’s a lot of free money being left out there,” Rose says. Your not-so-secret weapon for buying in 2025 just might be an experienced buyer’s agent. “Anybody can write a contract,” says Sharon Parker, associate broker with Tate & Foss Sotheby’s International Realty in Rye, New Hampshire. “But you need somebody who’s seen the market, the ups and downs, who knows how to get creative because every transaction is different.” Following a settlement with the NAR , buyers can now negotiate their agent’s compensation up front. (Previously, home sellers took on that task.) While new norms are still shaking out, Rose says she hasn’t seen too much drama since the change took effect in August. “So as long as buyers remember that we have to talk about this in the beginning of our relationship, everything typically works out fine,” she says. Finally, it’s time to shop for a mortgage. To get the best interest rate, get a quote with at least three different lenders. You could also delegate the shopping to a mortgage broker, who can compare quotes and even negotiate a lower rate on your behalf. Though brokers charge a fee, their access to more mortgage options and lower rates can often mean net savings overall. With a mortgage preapproval in hand, it’s go time. And you don’t have to wait until spring: If you’re ready to buy now, buyers have less competition and more negotiating power from December through February, so you could snag a deal. “The people who are selling and the people who are buying in the off season are very serious,” Parker says. “They’re not just lookie-loos.” However, lower inventory means fewer choices for buyers. So start your search prepared to compromise — a “good enough” house will still help you build equity. If a down payment or monthly mortgage payment is financially out of reach, there’s no shame in postponing your search to pad your savings. And owning a home isn’t the right lifestyle choice for everyone, with the ongoing commitment of money and time. But once you’re ready to buy — whether for the first time, or to upgrade or downsize — avoid the trap of waiting for a dip in mortgage rates. “Nobody can predict what the market, or the world, is going to do,” Parker says. “There is no better time than right now.” Mortgage rates will always fluctuate, and if they drop significantly, you can refinance. For first-time buyers, homeownership is a major financial glow-up — and the sooner you jump in, the longer you’ll have to build home equity. “Time value of money is really, really critical when it comes to real estate,” Rose says. “So I would always encourage somebody to buy as soon as you can and get the clock ticking.” More From NerdWallet Abby Badach Doyle writes for NerdWallet. Email: abadachdoyle@nerdwallet.com. The article Buying a House in 2025: Your How-To Guide originally appeared on NerdWallet .

NEW YORK--(BUSINESS WIRE)--Dec 9, 2024-- Braze (Nasdaq: BRZE) the leading customer engagement platform that empowers brands to Be Absolutely EngagingTM, today announced results for its fiscal quarter ended October 31, 2024. “We continued to execute in the third quarter, delivering strong revenue growth and operating leverage while maintaining steady investment in our product, our ecosystem, and our go-to-market motion to continue positioning Braze as the leading cross-channel customer engagement platform,” said Bill Magnuson, Cofounder and CEO of Braze. “We are confidently on track to meet our profitability targets for the fiscal fourth quarter of and full fiscal year 2025, and continue to focus on driving growth through customer engagement innovations that empower our customers to create more valuable customer experiences.” Fiscal Third Quarter 2025 Financial Highlights Recent Business Highlights Financial Outlook Braze is initiating guidance for the fiscal fourth quarter ending January 31, 2025 and updating guidance for the fiscal year ending January 31, 2025. Metric (in millions, except per share amounts) FY 2025 Q4 Guidance FY 2025 Guidance Revenue $155.0 - 156.0 $588.0 - 589.0 Non-GAAP operating income (loss) $2.0 - 3.0 $(5.0) - (6.0) Non-GAAP net income $5.0 - 6.0 $11.0 - 12.0 Non-GAAP net income per share, diluted $0.05 - 0.06 $0.10 - 0.11 Weighted average common shares used in computing non-GAAP net income per share, diluted ~107.5 ~107.0 Braze has not reconciled its guidance as to non-GAAP operating income (loss), non-GAAP net income or non-GAAP net income per share to their most directly comparable GAAP measure as a result of uncertainty regarding, and the potential variability of, reconciling items such as stock-based compensation expense specific to equity compensation awards that are directly impacted by unpredictable fluctuations in Braze’s stock price. Accordingly, reconciliations are not available without unreasonable effort, although it is important to note that these factors could be material to Braze’s results calculated in accordance with GAAP. Conference Call Information: What: Braze Third Quarter Fiscal Year 2025 Financial Results Conference Call When: Monday, December 9th at 4:30 pm EST / 1:30 pm PST Webcast & Supplemental Data: investors.braze.com Replay: A webcast replay will be available on Braze’s investor site at investors.braze.com . Supplemental and Other Financial Information Supplemental information, including an accompanying financial presentation and other information can be accessed through Braze’s investor website at investors.braze.com . Non-GAAP Financial Measures This press release and the accompanying tables contain the following non-GAAP financial measures: non-GAAP gross profit and margin, non-GAAP sales and marketing expense, non-GAAP research and development expense, non-GAAP general and administrative expense, non-GAAP operating income (loss), non-GAAP operating margin, non-GAAP net income (loss), non-GAAP net income (loss) per share, basic and diluted, and non-GAAP free cash flow. Braze defines non-GAAP gross profit and margin, non-GAAP sales and marketing expense, non-GAAP research and development expense, non-GAAP general and administrative expense, non-GAAP operating income (loss), non-GAAP operating margin, and non-GAAP net income (loss) as the respective GAAP balances, adjusted for stock-based compensation expense, employer taxes related to stock-based compensation, charitable contribution expense, contingent consideration adjustments, acquisition related expense, amortization of intangible assets, and restructuring expense. Prior to the fourth quarter of the fiscal year ended January 31, 2024, Braze did not adjust non-GAAP gross profit and margin, non-GAAP sales and marketing expense, non-GAAP research and development expense, non-GAAP general and administrative expense, non-GAAP operating income (loss), non-GAAP operating margin or non-GAAP net income (loss) for contingent consideration adjustments, because there were no such adjustments in prior periods. Braze defines non-GAAP free cash flow as net cash provided by/(used in) operating activities, minus purchases of property and equipment and minus capitalized internal-use software costs. Investors are encouraged to review the reconciliation of these historical non-GAAP financial measures to their most directly comparable GAAP financial measures. Braze uses this non-GAAP financial information internally in analyzing its financial results and believes that this non-GAAP financial information, when taken collectively with GAAP financial measures, may be helpful to investors because it provides consistency and comparability with past financial performance and assists in comparisons with other companies, some of which use similar non-GAAP financial information to supplement their GAAP results. The non-GAAP financial information is presented for supplemental informational purposes only, and should not be considered a substitute for financial information presented in accordance with generally accepted accounting principles in the United States (GAAP), and may be different from similarly-titled non-GAAP measures used by other companies. The principal limitation of these non-GAAP financial measures is that they exclude significant expenses that are required by GAAP to be recorded in Braze’s financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgment by Braze’s management about which expenses are excluded or included in determining these non-GAAP financial measures. A reconciliation is provided below in the financial statement tables included below in this press release for each non-GAAP financial measure to the most directly comparable financial measure stated in accordance with GAAP. Braze encourages investors to review the related GAAP financial measures and the reconciliation of these non-GAAP financial measures to their most directly comparable GAAP financial measures, which it includes in press releases announcing quarterly and fiscal year financial results, including this press release, and not to rely on any single financial measure to evaluate Braze’s business. Definition of Other Business Metrics Customer : Braze defines a customer, as of period end, as the separate and distinct, ultimate parent-level entity that has an active subscription with Braze to use its products. A single organization could have multiple distinct contracting divisions or subsidiaries, all of which together would be considered a single customer. Annual Recurring Revenue (ARR) : Braze defines ARR as the annualized value of customer subscription contracts, including certain premium professional services that are subject to contractual subscription terms, as of the measurement date, assuming any contract that expires during the next 12 months is renewed on its existing terms (including contracts for which Braze is negotiating a renewal). Braze’s calculation of ARR is not adjusted for the impact of any known or projected future events (such as customer cancellations, expansion or contraction of existing customers relationships or price increases or decreases) that may cause any such contract not to be renewed on its existing terms. ARR may decline or fluctuate as a result of a number of factors, including customers’ satisfaction or dissatisfaction with Braze’s products and professional services, pricing, competitive offerings, economic conditions or overall changes in Braze’s customers’ spending levels. ARR should be viewed independently of revenue and does not represent Braze’s GAAP revenue on an annualized basis or a forecast of revenue, as it is an operating metric that can be impacted by contract start and end dates and renewal rates. Dollar-Based Net Retention Rate : Braze calculates dollar-based net retention rate as of a period end by starting with the ARR from a cohort of customers as of 12 months prior to such period-end (the Prior Period ARR). Braze then calculates the ARR from the same cohort of customers as of the end of the current period (the Current Period ARR). Current Period ARR includes any expansion and is net of contraction or attrition over the last 12 months, but excludes ARR from new customers in the current period. Braze then divides the total Current Period ARR by the total Prior Period ARR to arrive at the point-in-time dollar-based net retention rate. Braze then calculates the weighted average point-in-time dollar-based net retention rates as of the last day of each month in the current trailing 12-month period to arrive at the dollar-based net retention rate. Remaining Performance Obligations: The transaction price allocated to remaining performance obligations represents amounts under non-cancelable contracts expected to be recognized as revenue in future periods, and may be influenced by several factors, including seasonality, the timing of renewals, the timing of service delivery and contract terms. Unbilled portions of the remaining performance obligation are subject to future economic risks including bankruptcies, regulatory changes and other market factors. Forward-Looking Statements This press release contains “forward-looking statements” within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, including but not limited to, statements regarding Braze’s financial outlook for the fourth quarter of and the full fiscal year ended January 31, 2025. These forward-looking statements are based on current expectations, estimates, forecasts and projections. Words such as “anticipate,” “believe,” “could,” “estimate,” “expect,” “goal,” “hope,” “intend,” “may,” might,” “potential,” “predict,” “project,” “shall,” “should,” “target,” “will,” and variations of these terms and similar expressions are intended to identify these forward-looking statements, although not all forward-looking statements contain these identifying words. Forward-looking statements are based on Braze’s current assumptions, expectations and beliefs and are subject to substantial risks, uncertainties, assumptions and changes in circumstances that may cause Braze’s actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. These risks include, but are not limited to, risks and uncertainties related to: (1) unstable market and economic conditions may have serious adverse consequences on Braze’s business, financial condition and share price; (2) Braze’s recent rapid revenue growth may not be indicative of its future revenue growth; (3) Braze’s history of operating losses; (4) Braze’s limited operating history at its current scale; (5) Braze’s ability to successfully manage its growth; (6) the accuracy of estimates of market opportunity and forecasts of market growth and the impact of global and domestic socioeconomic events on Braze’s business; (7) Braze’s ability and the ability of its platform to adapt and respond to changing customer or consumer needs, requirements or preferences; (8) Braze’s ability to attract new customers and renew existing customers; (9) the competitive markets in which Braze participates and the intense competition that it faces; (10) Braze’s ability to adapt and respond effectively to rapidly changing technology, evolving cybersecurity and data privacy risks, evolving industry standards or changing regulations; and (11) Braze’s reliance on third-party providers of cloud-based infrastructure; as well as other risks and uncertainties discussed in the “Risk Factors” section of Braze’s Annual Report on Form 10-K filed with the Securities and Exchange Commission (SEC) on April 1, 2024 and other subsequent filings Braze makes with the SEC from time to time, including Braze’s Quarterly Report on Form 10-Q for the fiscal quarter ended October 31, 2024 that will be filed with the SEC. The forward-looking statements included in this press release represent Braze’s views only as of the date of this press release and Braze assumes no obligation, and does not intend to update these forward-looking statements, except as required by law. About Braze Braze is the leading customer engagement platform that empowers brands to Be Absolutely Engaging.TM Braze allows any marketer to collect and take action on any amount of data from any source, so they can creatively engage with customers in real time, across channels from one platform. From cross-channel messaging and journey orchestration to Al-powered experimentation and optimization, Braze enables companies to build and maintain absolutely engaging relationships with their customers that foster growth and loyalty. The company has been recognized as a 2024 U.S. News Best Technology Companies to Work For, is a 2023 UK Best Workplace for Women by Great Place to Work, and was named a Leader by Gartner® in the 2024 Magic QuadrantTM for Multichannel Marketing Hubs and in The Forrester WaveTM: Cross-Channel Marketing Hubs, Q1 2023. Braze is headquartered in New York with 10+ offices across North America, Europe, and APAC. Learn more at braze.com . Braze uses its Investor website at investors.braze.com as a means of disclosing material non-public information, announcing upcoming investor conferences and for complying with its disclosure obligations under Regulation FD. Accordingly, you should monitor its investor relations website in addition to following its press releases, blog posts on its website (braze.com), SEC filings and public conference calls and webcasts. Selected Financial Data BRAZE, INC. CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (in thousands, except per share amounts) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Revenue $ 152,052 $ 123,956 $ 433,010 $ 340,843 Cost of revenue (1)(2) 45,910 36,374 133,878 104,535 Gross profit 106,142 87,582 299,132 236,308 Operating expenses: Sales and marketing (1)(2)(6) 74,658 66,395 213,054 184,074 Research and development (1)(2) 32,855 29,872 100,369 88,749 General and administrative (1)(2)(3)(4)(5)(6)(7) 31,199 26,448 86,309 75,884 Total operating expenses 138,712 122,715 399,732 348,707 Loss from operations (32,570 ) (35,133 ) (100,600 ) (112,399 ) Other income, net 5,294 4,542 15,968 11,866 Loss before provision for income taxes (27,276 ) (30,591 ) (84,632 ) (100,533 ) Provision for income taxes 851 385 2,351 1,318 Net loss (28,127 ) (30,976 ) (86,983 ) (101,851 ) Net loss attributable to redeemable non-controlling interest (216 ) (235 ) (432 ) (962 ) Net loss attributable to Braze, Inc. $ (27,911 ) $ (30,741 ) $ (86,551 ) $ (100,889 ) Net loss per share attributable to Braze, Inc. common stockholders, basic and diluted $ (0.27 ) $ (0.31 ) $ (0.85 ) $ (1.03 ) Weighted-average shares used to compute net loss per share attributable to Braze, Inc. common stockholders, basic and diluted 102,146 97,880 101,714 97,615 (1) Includes stock-based compensation as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Cost of revenue $ 1,003 $ 900 $ 3,045 $ 2,690 Sales and marketing 9,608 7,899 28,945 23,554 Research and development 10,343 9,479 32,623 29,251 General and administrative 7,364 5,761 21,805 17,466 Total stock-based compensation expense $ 28,318 $ 24,039 $ 86,418 $ 72,961 (2) Includes employer taxes related to stock-based compensation as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Cost of revenue $ 42 $ 29 $ 156 $ 81 Sales and marketing 247 245 1,070 609 Research and development 220 199 1,400 721 General and administrative 127 84 567 239 Total employer taxes related to stock-based compensation expense $ 636 $ 557 $ 3,193 $ 1,650 (3) Includes 1% Pledge charitable donation expense as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 General and administrative $ 1,417 $ 1,427 $ 2,764 $ 2,391 (4) Includes acquisition related expense as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 General and administrative $ — $ — $ — $ 1,946 (5) Includes amortization of intangible assets acquired in the acquisition expense as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 General and administrative $ 101 $ 215 $ 459 $ 363 (6) Includes restructuring related expense as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Sales and marketing $ — $ — $ — $ 541 General and administrative — — — $ 103 Total restructuring costs $ — $ — $ — $ 644 (7) Includes adjustment to the fair value of the contingent consideration liability as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 General and administrative $ (86 ) $ — $ (223 ) $ — BRAZE, INC. CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) (in thousands, except share and per share amounts) October 31, 2024 January 31, 2024 ASSETS CURRENT ASSETS: Cash and cash equivalents $ 61,312 $ 68,228 Restricted cash, current — 3,373 Accounts receivable, net of allowance of $2,696 and $2,772 at October 31, 2024 and January 31, 2024, respectively 90,299 92,256 Marketable securities 431,258 407,898 Prepaid expenses and other current assets 30,452 29,366 Total current assets 613,321 601,121 Restricted cash, noncurrent 530 530 Property and equipment, net 39,910 29,358 Operating lease right-of-use assets 80,352 81,163 Deferred contract costs 72,388 63,661 Goodwill 28,448 28,448 Intangible assets, net 3,231 3,690 Other assets 3,832 2,970 TOTAL ASSETS $ 842,012 $ 810,941 LIABILITIES, REDEEMABLE NON-CONTROLLING INTEREST, AND STOCKHOLDERS' EQUITY CURRENT LIABILITIES: Accounts payable $ 2,912 $ 6,321 Accrued expenses and other current liabilities 63,322 63,264 Deferred revenue 223,682 204,269 Operating lease liabilities, current 18,315 15,585 Total current liabilities 308,231 289,439 Operating lease liabilities, noncurrent 73,768 75,027 Other long-term liabilities 2,200 2,050 TOTAL LIABILITIES 384,199 366,516 COMMITMENTS AND CONTINGENCIES (Note 13) Redeemable non-controlling interest (Note 4) (240 ) 192 STOCKHOLDERS’ EQUITY Class A common stock, $0.0001 par value; 2,000,000,000 and 2,000,000,000 shares authorized as of October 31, 2024 and January 31, 2024, respectively; 82,534,449 and 73,037,015 shares issued and outstanding as of October 31, 2024 and January 31, 2024, respectively 8 7 Class B common stock, $0.0001 par value; 110,000,000 and 110,000,000 shares authorized as of October 31, 2024 and January 31, 2024, respectively; 20,296,274 and 27,173,408 shares issued and outstanding as of October 31, 2024 and January 31, 2024, respectively 2 3 Additional paid-in capital 1,027,339 928,494 Accumulated other comprehensive loss 348 (1,178 ) Accumulated deficit (569,644 ) (483,093 ) TOTAL STOCKHOLDERS’ EQUITY 458,053 444,233 TOTAL LIABILITIES, REDEEMABLE NON-CONTROLLING INTEREST, AND STOCKHOLDERS’ EQUITY $ 842,012 $ 810,941 BRAZE, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (in thousands) Nine Months Ended October 31, 2024 2023 CASH FLOWS FROM OPERATING ACTIVITIES: Net loss (including amounts attributable to redeemable non-controlling interests) $ (86,983 ) $ (101,851 ) Adjustments to reconcile net loss to net cash provided by operating activities: Stock-based compensation 87,184 72,961 Amortization of deferred contract costs 26,004 21,684 Depreciation and amortization 7,368 5,082 Provision for credit losses 2,157 1,717 Value of common stock donated to charity 2,764 2,391 (Accretion) amortization of (discount) premium on marketable securities (1,605 ) 1,579 Non-cash foreign exchange loss (802 ) 473 Fair value adjustments to contingent consideration (223 ) — Fixed asset write offs 436 128 Other 1 8 Changes in operating assets and liabilities: Accounts receivable (227 ) 7,269 Prepaid expenses and other current assets (1,365 ) 1,946 Deferred contract costs (34,764 ) (32,609 ) ROU assets and liabilities 2,123 1,903 Other assets (506 ) (324 ) Accounts payable (3,326 ) 2,859 Accrued expenses and other current liabilities 2,105 9,321 Deferred revenue 19,517 8,363 Other long-term liabilities (261 ) 129 Net cash provided by operating activities 19,597 3,029 CASH FLOWS FROM INVESTING ACTIVITIES: Cash paid for acquisition, net of cash acquired — (16,319 ) Purchases of property and equipment (12,147 ) (3,439 ) Capitalized internal-use software costs (3,023 ) (2,536 ) Purchases of marketable securities (179,545 ) (191,922 ) Maturities of marketable securities 159,086 194,737 Net cash used in investing activities (35,629 ) (19,479 ) CASH FLOWS FROM FINANCING ACTIVITIES: Proceeds from exercise of common stock options 3,682 5,949 Proceeds from stock associated with employee stock purchase plan 4,752 3,222 Payments of deferred purchase consideration (2,916 ) (165 ) Net cash provided by financing activities 5,518 9,006 Effect of foreign currency exchange rate changes on cash, cash equivalents, and restricted cash 225 (806 ) Net change in cash, cash equivalents, and restricted cash (10,289 ) (8,250 ) Cash, cash equivalents, and restricted cash, beginning of period 72,131 72,623 Cash, cash equivalents, and restricted cash, end of period $ 61,842 $ 64,373 BRAZE, INC. U.S. GAAP RECONCILIATION OF NON-GAAP ADJUSTED RESULTS (in thousands, except per share amounts) The following tables reconcile each non-GAAP financial measure to its most directly comparable GAAP financial measure: Reconciliation of GAAP to Non-GAAP Gross Margin Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Gross profit $ 106,142 $ 87,582 $ 299,132 $ 236,308 Plus: Stock-based compensation expense 1,003 900 3,045 2,690 Employer taxes related to stock-based compensation expense 42 29 156 81 Non-GAAP gross profit $ 107,187 $ 88,511 $ 302,333 $ 239,079 GAAP gross margin 69.8 % 70.7 % 69.1 % 69.3 % Non-GAAP gross margin 70.5 % 71.4 % 69.8 % 70.1 % Reconciliation of GAAP to Non-GAAP Operating Expenses Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 GAAP sales and marketing expense $ 74,658 $ 66,395 $ 213,054 $ 184,074 Less: Stock-based compensation expense 9,608 7,899 28,945 23,554 Employer taxes related to stock-based compensation expense 247 245 1,070 609 Restructuring expense — — — 541 Non-GAAP sales and marketing expense $ 64,803 $ 58,251 $ 183,039 $ 159,370 GAAP research and development expense $ 32,855 $ 29,872 $ 100,369 $ 88,749 Less: Stock-based compensation expense 10,343 9,479 32,623 29,251 Employer taxes related to stock-based compensation expense 220 199 1,400 721 Non-GAAP research and development expense $ 22,292 $ 20,194 $ 66,346 $ 58,777 GAAP general and administrative expense $ 31,199 $ 26,448 $ 86,309 $ 75,884 Less: Stock-based compensation expense 7,364 5,761 21,805 17,466 Employer taxes related to stock-based compensation expense 127 84 567 239 1% Pledge charitable contribution expense 1,417 1,427 2,764 2,391 Acquisition related expense — — — 1,946 Amortization of intangibles expense 101 215 459 363 Restructuring expense — — — 103 Contingent consideration adjustment (86 ) — (223 ) — Non-GAAP general and administrative expense $ 22,276 $ 18,961 $ 60,937 $ 53,376 Reconciliation of GAAP to Non-GAAP Operating Loss Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Loss from operations $ (32,570 ) $ (35,133 ) $ (100,600 ) $ (112,399 ) Plus: Stock-based compensation expense 28,318 24,039 86,418 72,961 Employer taxes related to stock-based compensation expense 636 557 3,193 1,650 1% Pledge charitable contribution expense 1,417 1,427 2,764 2,391 Acquisition related expense — — — 1,946 Amortization of intangibles expense 101 215 459 363 Restructuring expense — — — 644 Contingent consideration adjustment (86 ) — (223 ) — Non-GAAP loss from operations $ (2,184 ) $ (8,895 ) $ (7,989 ) $ (32,444 ) GAAP operating margin (21.4 )% (28.3 )% (23.2 )% (33.0 )% Non-GAAP operating margin (1.4 )% (7.2 )% (1.8 )% (9.5 )% Reconciliation of GAAP to Non-GAAP Net Income (Loss) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Net loss attributable to Braze, Inc. $ (27,911 ) $ (30,741 ) $ (86,551 ) $ (100,889 ) Plus: Stock-based compensation expense 28,318 24,039 86,418 72,961 Employer taxes related to stock-based compensation expense 636 557 3,193 1,650 1% Pledge charitable contribution expense 1,417 1,427 2,764 2,391 Acquisition related expense — — — 1,946 Amortization of intangibles expense 101 215 459 363 Restructuring expense — — — 644 Contingent consideration adjustment (86 ) — (223 ) — Non-GAAP net income (loss) attributable to Braze, Inc. (1) $ 2,475 $ (4,503 ) $ 6,060 $ (20,934 ) Non-GAAP net income (loss) per share attributable to Braze, Inc. common stockholders, basic $ 0.02 $ (0.05 ) $ 0.06 $ (0.21 ) Non-GAAP net income (loss) per share attributable to Braze, Inc. common stockholders, diluted $ 0.02 $ (0.05 ) $ 0.06 $ (0.21 ) Weighted-average shares used to compute net income (loss) per share attributable to Braze, Inc. common stockholders, basic 102,146 97,880 101,714 97,615 Weighted-average shares used to compute net income (loss) per share attributable to Braze, Inc. common stockholders, diluted 106,820 97,880 106,614 97,615 (1) Assumes no non-GAAP tax expenses associated with the non-GAAP adjustment due to the Company’s historical non-GAAP net loss position and available deferred tax assets sufficient to offset such non-GAAP tax expense. Reconciliation of GAAP Cash Flow from Operating Activities to Non-GAAP Free Cash Flow Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Net cash provided by/(used in) operating activities $ (11,410 ) $ (2,003 ) $ 19,597 $ 3,029 Less: Purchases of property and equipment (1,923 ) (3,012 ) (12,147 ) (3,439 ) Capitalized internal-use software costs (915 ) (896 ) (3,023 ) (2,536 ) Non-GAAP free cash flow $ (14,248 ) $ (5,911 ) $ 4,427 $ (2,946 ) Source: Braze, Inc. Braze is a registered trademark of Braze, Inc. All product and company names herein may be trademarks of their registered owners. View source version on businesswire.com : https://www.businesswire.com/news/home/20241209508572/en/ CONTACT: Investors: Christopher Ferris IR@braze.com (609) 964-0585Media: Meghan Halaszynski Press@braze.com KEYWORD: NEW YORK UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: TECHNOLOGY MARKETING ADVERTISING COMMUNICATIONS SOFTWARE NETWORKS INTERNET DIGITAL MARKETING DATA MANAGEMENT ARTIFICIAL INTELLIGENCE SOURCE: Braze Copyright Business Wire 2024. PUB: 12/09/2024 04:05 PM/DISC: 12/09/2024 04:06 PM http://www.businesswire.com/news/home/20241209508572/enExplore the World Expo: Significance of the Event / Experience Life With AI-Powered Robots; Exhibition Will Display Machines Capable of Conversing And Doing Dangerous Jobs

Revolution in AI: B2B Takes the Lead. Uncover the Next Tech FrontierTORONTO — Hamilton Capital Partners Inc. (“ ”) is pleased to announce the cash distributions for its ETFs, all of which trade on the Toronto Stock Exchange, for the period ended November 30, 2024, that pay monthly distributions. Distributions may vary from period to period. The ex-dividend date for these distributions is anticipated to be November 29, 2024, for all unitholders of record on November 29, 2024. The distributions will be paid in cash, or if the unitholder has enrolled in the dividend reinvestment plan (DRIP), reinvested in additional units of the ETF, on or about December 6, 2024. With over $6 billion in assets under management, Hamilton ETFs is one of Canada’s fastest growing ETF providers, offering a suite of innovative exchange traded funds (ETFs) designed to maximize income and growth from trusted sectors in Canada and across the globe. The firm is also an active commentator on the global financial services sector and Canadian banks; the firm’s most recent can be found at . For investor inquiries: Contact Hamilton ETFs at (416) 941-9888, For media inquiries: Contact Louis Ribieras, Director, Marketing, (416) 941-9996,