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Wrexham, Walsall and Birmingham among EFL Trophy winnersNEW YORK (AP) — U.S. stock indexes drifted lower Tuesday in the runup to the highlight of the week for the market, the latest update on inflation that’s coming on Wednesday. The S&P 500 dipped 0.3%, a day after pulling back from its latest all-time high . They’re the first back-to-back losses for the index in nearly a month, as momentum slows following a big rally that has it on track for one of its best years of the millennium . The Dow Jones Industrial Average fell 154 points, or 0.3%, and the Nasdaq composite slipped 0.3%. Tech titan Oracle dragged on the market and sank 6.7% after reporting growth for the latest quarter that fell just short of analysts’ expectations. It was one of the heaviest weights on the S&P 500, even though CEO Safra Catz said the company saw record demand related to artificial-intelligence technology for its cloud infrastructure business, which trains generative AI models. AI has been a big source of growth that’s helped many companies’ stock prices skyrocket. Oracle’s stock had already leaped more than 80% for the year coming into Tuesday, which raised the bar of expectations for its profit report. In the bond market, Treasury yields ticked higher ahead of Wednesday’s report on the inflation that U.S. consumers are feeling. Economists expect it to show similar increases as the month before. Wednesday’s update and a report on Thursday about inflation at the wholesale level will be the final big pieces of data the Federal Reserve will get before its meeting next week, where many investors expect the year’s third cut to interest rates . The Fed has been easing its main interest rate from a two-decade high since September to take pressure off the slowing jobs market, after bringing inflation nearly down to its 2% target. Lower rates would help give support to the economy, but they could also provide more fuel for inflation. Expectations for a series of cuts through next year have been a big reason the S&P 500 has set so many records this year. Trading in the options market suggests traders aren’t expecting a very big move for U.S. stocks following Wednesday’s report, according to strategists at Barclays. But a reading far off expectations in either direction could quickly change that. The yield on the 10-year Treasury rose to 4.22% from 4.20% late Monday. Even though the Fed has been cutting its main interest rate, mortgage rates have been more stubborn to stay high and have been volatile since the autumn. That has hampered the housing industry, and homebuilder Toll Brothers’ stock fell 6.9% even though it delivered profit and revenue for the latest quarter that topped analysts’ expectations. CEO Douglas Yearley Jr. said the luxury builder has been seeing strong demand since the start of its fiscal year six weeks ago, an encouraging signal as it approaches the beginning of the spring selling season in mid-January. Elsewhere on Wall Street, Alaska Air Group soared 13.2% after raising its forecast for profit in the current quarter. The airline said demand for flying around the holidays has been stronger than expected. It also approved a plan to buy back up to $1 billion of its stock, along with new service from Seattle to Tokyo and Seoul . Boeing climbed 4.5% after saying it’s resuming production of its bestselling plane , the 737 Max, for the first time since 33,000 workers began a seven-week strike that ended in early November. Vail Resorts rose 2.5% after the ski resort operator reported a smaller first-quarter loss than analysts expected in what is traditionally its worst quarter. All told, the S&P 500 fell 17.94 points to 6,034.91. The Dow dipped 154.10 to 44,247.83, and the Nasdaq composite slipped 49.45 to 19,687.24. In stock markets abroad, indexes were mixed in China after the world’s second-largest economy said its exports rose by less than expected in November. Stocks rose 0.6% in Shanghai but fell 0.5% in Hong Kong. Indexes fell across much of Europe ahead of a meeting this week by the European Central Bank, where the widespread expectation is for another cut in interest rates. AP Business Writers Matt Ott and Elaine Kurtenbach contributed.
NEW YORK (AP) — U.S. stock indexes drifted lower Tuesday in the runup to the highlight of the week for the market, the latest update on inflation that’s coming on Wednesday. The S&P 500 dipped 0.3%, a day after pulling back from its latest all-time high . They’re the first back-to-back losses for the index in nearly a month, as momentum slows following a big rally that has it on track for one of its best years of the millennium . The Dow Jones Industrial Average fell 154 points, or 0.3%, and the Nasdaq composite slipped 0.3%. Tech titan Oracle dragged on the market and sank 6.7% after reporting growth for the latest quarter that fell just short of analysts’ expectations. It was one of the heaviest weights on the S&P 500, even though CEO Safra Catz said the company saw record demand related to artificial-intelligence technology for its cloud infrastructure business, which trains generative AI models. AI has been a big source of growth that’s helped many companies’ stock prices skyrocket. Oracle’s stock had already leaped more than 80% for the year coming into Tuesday, which raised the bar of expectations for its profit report. In the bond market, Treasury yields ticked higher ahead of Wednesday’s report on the inflation that U.S. consumers are feeling. Economists expect it to show similar increases as the month before. Wednesday’s update and a report on Thursday about inflation at the wholesale level will be the final big pieces of data the Federal Reserve will get before its meeting next week, where many investors expect the year’s third cut to interest rates . The Fed has been easing its main interest rate from a two-decade high since September to take pressure off the slowing jobs market, after bringing inflation nearly down to its 2% target. Lower rates would help give support to the economy, but they could also provide more fuel for inflation. Expectations for a series of cuts through next year have been a big reason the S&P 500 has set so many records this year. Trading in the options market suggests traders aren’t expecting a very big move for U.S. stocks following Wednesday’s report, according to strategists at Barclays. But a reading far off expectations in either direction could quickly change that. The yield on the 10-year Treasury rose to 4.22% from 4.20% late Monday. Even though the Fed has been cutting its main interest rate, mortgage rates have been more stubborn to stay high and have been volatile since the autumn. That has hampered the housing industry, and homebuilder Toll Brothers’ stock fell 6.9% even though it delivered profit and revenue for the latest quarter that topped analysts’ expectations. CEO Douglas Yearley Jr. said the luxury builder has been seeing strong demand since the start of its fiscal year six weeks ago, an encouraging signal as it approaches the beginning of the spring selling season in mid-January. Elsewhere on Wall Street, Alaska Air Group soared 13.2% after raising its forecast for profit in the current quarter. The airline said demand for flying around the holidays has been stronger than expected. It also approved a plan to buy back up to $1 billion of its stock, along with new service from Seattle to Tokyo and Seoul . Boeing climbed 4.5% after saying it’s resuming production of its bestselling plane , the 737 Max, for the first time since 33,000 workers began a seven-week strike that ended in early November. Vail Resorts rose 2.5% after the ski resort operator reported a smaller first-quarter loss than analysts expected in what is traditionally its worst quarter. All told, the S&P 500 fell 17.94 points to 6,034.91. The Dow dipped 154.10 to 44,247.83, and the Nasdaq composite slipped 49.45 to 19,687.24. In stock markets abroad, indexes were mixed in China after the world’s second-largest economy said its exports rose by less than expected in November. Stocks rose 0.6% in Shanghai but fell 0.5% in Hong Kong. Indexes fell across much of Europe ahead of a meeting this week by the European Central Bank, where the widespread expectation is for another cut in interest rates. AP Business Writers Matt Ott and Elaine Kurtenbach contributed.Ross Barkley’s 85th-minute goal gave them victory in Germany after goals from John McGinn and Jhon Duran early in each half were cancelled out by Lois Openda and Christoph Baumgartner. That sent them up to third in the new league phase of the competition ahead of Wednesday’s games and with matches against Monaco and Celtic to come, Villa have an excellent chance of finishing in the top eight. That would mean they would avoid a play-off round to make it through to the last 16 and Emery says that is the target. “Today was key. Juventus at home, we were thinking more to win but in the end we accepted the draw because it was important for a point to be more or less in the top 24,” he told Amazon Prime. “Today was a match we were thinking at the beginning was key to be a contender to be in the top eight with the last two matches to be played. “It is going to be difficult and we have to get some more points but we now have the possibility to achieve this option. “We are going to enjoy and try to get top eight but we have to be happy because we are in the top 24 and maybe even the top 16. “We weren’t contenders in the beginning to get there but now we have to accept it.” Leipzig, who are flying high near the top of the Bundesliga, are out after losing all six matches. They did pose a threat to Villa, who inflicted some of their own problems on themselves, notably a rare gaffe from goalkeeper Emiliano Martinez for Openda’s equaliser. But Emery was happy with his side’s performance. “I try to enjoy and always we want to improve and sometimes it is hard but today the team were performing well, playing seriously and I was enjoying it,” he added. “We tried to overcome the mistakes we made and we did. More or less we were playing consistently. One mistake and they score but then we played very well. “Champions League is very difficult and we have to expect that every team playing at home are feeling strong. We played with consistency and domination.”Find a qualified attorney Start by asking other financial professionals who you work with — whether a financial adviser or an accountant — for recommendations. If you have a specific situation that is likely to affect your estate plan — for example, if you’re a small-business owner or if you have a child with special needs — be sure to ask for referrals to attorneys who are well-versed in those areas. Before you select an attorney, it’s perfectly reasonable to conduct a basic informational interview. As you speak with a prospective estate-planning attorney, also weigh the intangibles. Do you like this person and would you be comfortable supplying him or her with personal information about your finances and family situation? Take stock of your assets Spend time enumerating your assets and their value: your investment accounts as well as life insurance, personal assets such as your home and your share of any businesses that you own. You should also gather current information about any outstanding debts. Your estate-planning attorney is likely to provide you with a worksheet to document your assets and liabilities, but it’s helpful to collect this information in advance. Identify key individuals You’ll need people to fill the following key roles. Note that the same individual can fill more than one role. Executor: A person who gathers all of your assets and makes sure that they are distributed as spelled out in your will. Many people call upon family members to serve as executors, but it’s also possible — and in some cases desirable—to hire a professional. Durable (or financial) power of attorney: This is a document that grants an individual the legal authority to make financial decisions on your behalf if you should become unable to manage your own financial affairs. Power of attorney for health care: This is a document that specifies whom you entrust with making health-care decisions on your behalf if you are unable to make them on your own. Guardian: A person who would look after your children if you and your spouse were to die when your children are minors. Know the key documents you need At a minimum, you should ask your attorney to draft the following: Last will and testament: A legal document that tells everyone — including your heirs — how you would like your assets distributed after you’re gone. Living will: A document that tells your loved ones and your health care providers how you would like to be cared for if you become terminally ill. Manage your documents Once your estate-planning documents are drafted, destroy any older versions of them. Keep the documents in a safe place, either in a home safe, in the top drawer of a secure file cabinet in your home or in a safe-deposit box. Notify your executor of the whereabouts of your estate-planning documents, and provide copies of the relevant documents to your executor, agents for powers of attorney and the guardian for your children. Don’t neglect the softer side This may include considersations like: If you end up needing long-term care, would you rather receive that care at home, provided you could afford it? If in the unlikely scenario your guardians have to care for your minor children, what are the key values you’d like them to impart to your kids? Keep your plan current Plan to notify your estate-planning attorney, and possibly revise your documents, if you experience any of the following: Change in marital or family status (for example, marriage, divorce, birth or adoption of child). Major change in assets — either sale or purchase. Major change in financial status. Death or ill health of one of your beneficiaries. Death or ill health of executor, power of attorneys or guardian. Estate planning is one of those tasks that makes almost any other job look appealing, no matter how lowly. The good news is that you’ve probably already done a little bit of estate planning — you just may not be aware of it. It’s helpful to think of estate planning as a process rather than something that’s one-and-done and begins and ends in an attorney’s office. Here are the key steps to take: Find a qualified attorney Start by asking other financial professionals who you work with — whether a financial adviser or an accountant — for recommendations. If you have a specific situation that is likely to affect your estate plan — for example, if you’re a small-business owner or if you have a child with special needs — be sure to ask for referrals to attorneys who are well-versed in those areas. Before you select an attorney, it’s perfectly reasonable to conduct a basic informational interview. As you speak with a prospective estate-planning attorney, also weigh the intangibles. Do you like this person and would you be comfortable supplying him or her with personal information about your finances and family situation? Take stock of your assets Spend time enumerating your assets and their value: your investment accounts as well as life insurance, personal assets such as your home and your share of any businesses that you own. You should also gather current information about any outstanding debts. Your estate-planning attorney is likely to provide you with a worksheet to document your assets and liabilities, but it’s helpful to collect this information in advance. Identify key individuals You’ll need people to fill the following key roles. Note that the same individual can fill more than one role. Executor: A person who gathers all of your assets and makes sure that they are distributed as spelled out in your will. Many people call upon family members to serve as executors, but it’s also possible — and in some cases desirable—to hire a professional. Durable (or financial) power of attorney: This is a document that grants an individual the legal authority to make financial decisions on your behalf if you should become unable to manage your own financial affairs. Power of attorney for health care: This is a document that specifies whom you entrust with making health-care decisions on your behalf if you are unable to make them on your own. Guardian: A person who would look after your children if you and your spouse were to die when your children are minors. Know the key documents you need At a minimum, you should ask your attorney to draft the following: Last will and testament: A legal document that tells everyone — including your heirs — how you would like your assets distributed after you’re gone. Living will: A document that tells your loved ones and your health care providers how you would like to be cared for if you become terminally ill. Manage your documents Once your estate-planning documents are drafted, destroy any older versions of them. Keep the documents in a safe place, either in a home safe, in the top drawer of a secure file cabinet in your home or in a safe-deposit box. Notify your executor of the whereabouts of your estate-planning documents, and provide copies of the relevant documents to your executor, agents for powers of attorney and the guardian for your children. Don’t neglect the softer side This may include considersations like: If you end up needing long-term care, would you rather receive that care at home, provided you could afford it? If in the unlikely scenario your guardians have to care for your minor children, what are the key values you’d like them to impart to your kids? Keep your plan current Plan to notify your estate-planning attorney, and possibly revise your documents, if you experience any of the following: Change in marital or family status (for example, marriage, divorce, birth or adoption of child). Major change in assets — either sale or purchase. Major change in financial status. Death or ill health of one of your beneficiaries. Death or ill health of executor, power of attorneys or guardian. Estate planning is one of those tasks that makes almost any other job look appealing, no matter how lowly. The good news is that you’ve probably already done a little bit of estate planning — you just may not be aware of it. It’s helpful to think of estate planning as a process rather than something that’s one-and-done and begins and ends in an attorney’s office. Here are the key steps to take: Find a qualified attorney Start by asking other financial professionals who you work with — whether a financial adviser or an accountant — for recommendations. If you have a specific situation that is likely to affect your estate plan — for example, if you’re a small-business owner or if you have a child with special needs — be sure to ask for referrals to attorneys who are well-versed in those areas. Before you select an attorney, it’s perfectly reasonable to conduct a basic informational interview. As you speak with a prospective estate-planning attorney, also weigh the intangibles. Do you like this person and would you be comfortable supplying him or her with personal information about your finances and family situation? Take stock of your assets Spend time enumerating your assets and their value: your investment accounts as well as life insurance, personal assets such as your home and your share of any businesses that you own. You should also gather current information about any outstanding debts. Your estate-planning attorney is likely to provide you with a worksheet to document your assets and liabilities, but it’s helpful to collect this information in advance. Identify key individuals You’ll need people to fill the following key roles. Note that the same individual can fill more than one role. Executor: A person who gathers all of your assets and makes sure that they are distributed as spelled out in your will. Many people call upon family members to serve as executors, but it’s also possible — and in some cases desirable—to hire a professional. Durable (or financial) power of attorney: This is a document that grants an individual the legal authority to make financial decisions on your behalf if you should become unable to manage your own financial affairs. Power of attorney for health care: This is a document that specifies whom you entrust with making health-care decisions on your behalf if you are unable to make them on your own. Guardian: A person who would look after your children if you and your spouse were to die when your children are minors. Know the key documents you need At a minimum, you should ask your attorney to draft the following: Last will and testament: A legal document that tells everyone — including your heirs — how you would like your assets distributed after you’re gone. Living will: A document that tells your loved ones and your health care providers how you would like to be cared for if you become terminally ill. Manage your documents Once your estate-planning documents are drafted, destroy any older versions of them. Keep the documents in a safe place, either in a home safe, in the top drawer of a secure file cabinet in your home or in a safe-deposit box. Notify your executor of the whereabouts of your estate-planning documents, and provide copies of the relevant documents to your executor, agents for powers of attorney and the guardian for your children. Don’t neglect the softer side This may include considersations like: If you end up needing long-term care, would you rather receive that care at home, provided you could afford it? If in the unlikely scenario your guardians have to care for your minor children, what are the key values you’d like them to impart to your kids? Keep your plan current Plan to notify your estate-planning attorney, and possibly revise your documents, if you experience any of the following: Change in marital or family status (for example, marriage, divorce, birth or adoption of child). Major change in assets — either sale or purchase. Major change in financial status. Death or ill health of one of your beneficiaries. Death or ill health of executor, power of attorneys or guardian.
Declan Rice has insisted Arsenal remain in the Premier League title race after cutting Liverpool's lead from nine to seven points. The Gunners comfortably beat Manchester United on Wednesday night to close the gap on Arne Slot's side in the top-flight. Rice delivered the cross from which Jurrien Timber opened the scoring nine minutes into the second-half. United struggled to get themselves back on level terms, with William Saliba scoring Arsenal's second with 20 minutes to go. That goal also came from a corner, with Bukayo Saka's deep cross being played off Saliba and into the net by Thomas Partey. It was a crucial three points for Mikel Arteta's men as Liverpool were held to a draw at Newcastle . The Reds remain top, but Gunners star Rice believes his side still have a shot at the title, as long as they remain in touch with their rivals come February. “Massive. What a night, Manchester United have a new manager so we knew it would be a test. They’ve looked good the last couple of games. You have to believe in your process, we keep at it all the time," Rice told Amazon Prime. "We never get bored. We stuck to the game plan and we could've had three or four. When you go up for a corner it’s a time to score, not a time to relax and chill. "To score both of them from corners, [set-piece coach] Nico [Jover] will be buzzing and I'm so happy. It's more just seeing clips and I know the weight I need to put on the ball and it's just about repetition. I put a few good balls in and could've had a couple of assists so it was nice to get one. HAVE YOUR SAY! Who was man of the match as Arsenal beat Manchester United? Comment below . "Because of the game schedule it’s hard to practise but it’s repetition, more watching clips at the moment. When you have a blip you get written off. We stuck together as a group, we knew the run of results were not good enough, now we're starting to see a turn of that. “People get carried away with title talk. You need to be in and around at February time. It’s closer [now Liverpool have dropped two points], they're seven away but we keep believing in ourselves and see what happens.” Liverpool boss Arne Slot meanwhile is remaining calm despite Arsenal closing the gap on his side. He admitted to being left frustrated but is backing Mo Salah to fire his men to success. "I have mixed feelings, we were outstanding in the second half but we were not good enough in the first half. Maybe 3-3 is what the game deserved," Slot said. "After the week we had we could change the game which is a very positive thing to take. Every time we need Mo Salah he scores a goal. We are hoping and expecting he can continue this for a long time. He was outstanding in the second half, he did many special things for us." Join our new WhatsApp community and receive your daily dose of Mirror Football content. We also treat our community members to special offers, promotions, and adverts from us and our partners. If you don't like our community, you can check out any time you like. If you're curious, you can read our Privacy Notice.