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Buying PC components at a store like Best Buy or Micro Center is easy. You pick what you want and take it to the register. You'll usually have the option to purchase a warranty, or at least to take things back within a return window if they quickly stop working. But buying new parts is expensive, and if you don't strictly need the latest and greatest, it's compelling to seek out used parts. Reusing computer parts is not only cheaper, it can reduce the environmental and labor impacts of PC building too. However, with the secondhand market comes a lack of guarantee about what you're getting. Unscrupulous sellers may misrepresent parts, and even a trustworthy individual may not have the knowledge to correctly identify the parts or their conditions. That doesn't mean you should necessarily avoid buying second hand PC parts, but it does mean you should educate yourself on how to do so safely and confidently. Here are some of the main things to look out for when buying used computer parts, including which ones to avoid entirely. The most important thing to keep in mind when buying used computer parts is to double check you're getting the right one. Nearly identical components can have very subtle but crucial differences, and you should not assume that the seller has correctly labeled a listing. For example, if you're looking for an Intel CPU, your instinct might be to search for a Core i7 model and buy the cheapest one. But Intel has released countless i7 processors over the years, and if you don't research what will work best with your system, you could end up with a processor from over a decade ago and no way to get a refund. Another example, let's say you're looking for a GPU and find one labeled Nvidia GeForce RTX 4070 TI Super. It's an incredible price, so you pounce on it, only to realize after installing it that it's actually the comparatively weaker 4070 TI. This could happen even if the seller wasn't intending to scam you, but simply didn't know enough about computers to identify what they were selling. Moreover, it's not enough to see a part's model number written on it. You need to make sure it's physically correct, since it's possible for scammers to swap things out. For example, you could wind up with an older, less powerful GPU dressed up in the housing of a newer, better one. This logic applies to RAM, motherboards, power units, and every other computer part. You should make sure to research these kinds of subtle differences before shopping, and once you've found a part, make sure to examine it before purchasing. As the saying goes: measure twice, cut once. You should always make sure you're getting a component that will last into the future. Using the example of Intel processors from the previous section, you're better off buying a newer Core i3 or Core i5 processor than you are buying a very old Core i7 or i9. Not only would the lower numbered but new processor have more power, it will also last you further into the future. The exception here is if you're upgrading an older system on an older motherboard. In that case, you might require a similarly dated component to ensure compatibility. If you have an older motherboard that predates the current generation of CPUs or GPUs, it likely won't be compatible with newer parts. If you're shopping for a used motherboard, be extremely careful, as motherboards are among the most fragile computer components. They have a ton of complexity, including things like heatsinks, batteries, and capacitors that help connect all the other PC parts. Another consideration related to the age of components is your operating system. Assuming you're running or plan to run Windows, you might not be able to use the latest version on outdated hardware. Microsoft does not supply older versions of Windows and cuts off support for them. At the time of this writing, Windows 11 is the latest version, and it requires a 1GHz processor, 4GB of RAM, 64 GB of storage, a DirectX 12 compatible graphics card, and a Trusted Platform Module (TPM) 2.0, among other requirements. You shouldn't buy components that don't meet these specifications, unless you're purposely doing so and have a plan to get an older Windows version or a different OS that works with your parts. So you've made sure to track down secondhand components that are correctly labeled and compatible with your system. The next step is to ensure they actually work. Of course, it's a good idea to make sure the parts function on a basic level, but even a part that technically works might have issues that won't become apparent without consistent use. For example, RAM is usually safe to buy used, but if you wind up with a defective stick, you could conceivably use it for some time before it malfunctions. Computer components are hard to vet for quality because defects or damage can be totally invisible. For example, parts that were overvolted or overclocked will have more wear on them than those that weren't, and that isn't something you can determine easily. Even if the component isn't old but was used heavily by its previous owner in poor conditions — for example, overheating a CPU — it could age more quickly. Physical damage can be hard to spot. For example, if even one of the many tiny pins on the underside of a CPU gets bent, it won't work properly when installed. If the seller has hidden that by bending the pin into place, you may not notice anything amiss without a magnifying glass. Motherboards in particular are high-risk used purchases because their complexity means more points of potential failure. The best advice here is to familiarize yourself with common kinds of damage that can affect the part you're shopping for. You should never purchase a used PC part from someone who won't let you examine it first. If you're shopping online, you should at least request a video of the part proving a lack of damage. One of the more objective things you can determine about a secondhand computer component is how much it should cost. Since sellers are setting their own prices, any given component will sit within a price range. Those who want to unload their inventory quickly will generally price lower, while those looking to maximize value can price higher. There are multiple tools available online to calculate the resale value of a PC or PC parts. PCPricer will let you search for individual components or a build, whereas Howmuch.one will let you search for the suggested price of a complete build. However, don't take these at face value. Use them as a starting point in combination with other resources like eBay. To determine what you should pay for a part that's still being sold in stores or online storefronts, you can start by looking at what it would cost to purchase new, as well as what people are selling it for used or pre-owned. Again, make sure you're looking at the precise part you want and not some other variant of it. You should never pay more for a used part than the market value of a new one, and usually you should be able to get a significant discount relative to market value. Even if the part is unused, the mere fact that it's pre-owned is enough to warrant paying less than retail because you aren't getting the peace of mind that comes with a store's return policy. If you're purchasing a used PC part and have verified that the part, its price, and lack of damage, the next thing to check for is that any cables or other accessories needed to use the component are there. For example, if you buy a GPU, you'll need the power connector cables that originally came with it (the ones that run the GPU to the power supply unit) in order to get it running. Those cables can be very specific depending on the GPU, and if you don't get them with the graphics card itself, you'll have to shop around carefully to find the right ones. That's extra money and time you don't want to spend. There are exceptions for low-powered graphics cards, some of which draw power solely from the PCIe slot. CPUs and RAM come by themselves as single pieces that slot into the motherboard, so no need to worry about accessories in those cases. When it comes to motherboards, you should check for extra cables, as well as parts like heat sinks that can be crucial to making sure your computer performs at its best. Computer cases are especially important in this regard. They tend to have a ton of little parts, including screws, mounting surfaces, and cables, and without even one of these tiny pieces, you might be out of luck when trying to mount a computer in the case. Cases can also include mechanisms to keep dust out, such as a wire mesh panel, without which a computer might build up debris, or case fans without which the PC could overheat. Always research cases, and examine documents such as user manuals where a full list of pieces for the case might be available. While it can be okay — even beneficial for your wallet and the environment —to purchase some PC parts second hand, there are some PC parts you should avoid buying used at all costs. The number one part you should avoid on the used market is a power supply unit (PSU). PSUs get increasingly unstable and worn out as they age due to the fact that they are managing the electricity powering your rig. A faulty PSU can be a safety hazard, taking down your entire system or even starting a fire. Moreover, new power supplies from top ranked brands are relatively cheap compared to other components. Storage drives should also be avoided on the used market. Most of all, avoid used hard drives that have magnetic and mechanical components inside. These have a high rate of failure and relatively short lifespans because every read or write action requires those parts to move. When it comes to new storage mediums like NVMe SSDs, they still have a limited number of read/write cycles before they go kaput, and last up to five years. Because no one wants them in new computers, hard drives are now quite cheap, so buying new isn't going to crush your wallet. And, although SSDs can be pricey, you're better off with a fresh one. Lastly, as noted elsewhere in this article, motherboards are quite finicky. You don't need to avoid them outright on the used market, but you're better off buying new.
ATLANTA (AP) — Jimmy Carter, the peanut farmer who tried to restore virtue to the White House after the Watergate scandal and Vietnam War, then rebounded from a landslide defeat to become a global advocate of human rights and democracy, has died. He was 100 years old . The Carter Center said the 39th president died Sunday, more than a year after entering hospice care , at his home in Plains, Georgia, where he and his wife, Rosalynn, who died in November 2023, lived most of their lives. A moderate Democrat, Carter ran for president in 1976 as a little-known Georgia governor with a broad grin, effusive Baptist faith and technocratic plans for efficient government. His promise to never deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter said. Carter’s victory over Republican Gerald Ford, whose fortunes fell after pardoning Nixon, came amid Cold War pressures, turbulent oil markets and social upheaval over race, women’s rights and America’s role in the world. His achievements included brokering Mideast peace by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at Camp David for 13 days in 1978. But his coalition splintered under double-digit inflation and the 444-day hostage crisis in Iran. His negotiations ultimately brought all the hostages home alive, but in a final insult, Iran didn’t release them until the inauguration of Ronald Reagan, who had trounced him in the 1980 election. Humbled and back home in Georgia, Carter said his faith demanded that he keep doing whatever he could, for as long as he could, to try to make a difference. He and Rosalynn co-founded The Carter Center in 1982 and spent the next 40 years traveling the world as peacemakers, human rights advocates and champions of democracy and public health. Awarded the Nobel Peace Prize in 2002, Carter helped ease nuclear tensions in North and South Korea, avert a U.S. invasion of Haiti and negotiate cease-fires in Bosnia and Sudan. By 2022, the center had monitored at least 113 elections around the world. Carter was determined to eradicate guinea worm infections as one of many health initiatives. Swinging hammers into their 90s, the Carters built homes with Habitat for Humanity. The common observation that he was better as an ex-president rankled Carter. His allies were pleased that he lived long enough to see biographers and historians revisit his presidency and declare it more impactful than many understood at the time. Propelled in 1976 by voters in Iowa and then across the South, Carter ran a no-frills campaign. Americans were captivated by the earnest engineer, and while an election-year Playboy interview drew snickers when he said he “had looked on many women with lust. I’ve committed adultery in my heart many times,” voters tired of political cynicism found it endearing. The first family set an informal tone in the White House, carrying their own luggage, trying to silence the Marine Band’s traditional “Hail to the Chief” and enrolling daughter, Amy, in public schools. Carter was lampooned for wearing a cardigan and urging Americans to turn down their thermostats. But Carter set the stage for an economic revival and sharply reduced America’s dependence on foreign oil by deregulating the energy industry along with airlines, trains and trucking. He established the departments of Energy and Education, appointed record numbers of women and nonwhites to federal posts, preserved millions of acres of Alaskan wilderness and pardoned most Vietnam draft evaders. Emphasizing human rights , he ended most support for military dictators and took on bribery by multinational corporations by signing the Foreign Corrupt Practices Act. He persuaded the Senate to ratify the Panama Canal treaties and normalized relations with China, an outgrowth of Nixon’s outreach to Beijing. But crippling turns in foreign affairs took their toll. When OPEC hiked crude prices, making drivers line up for gasoline as inflation spiked to 11%, Carter tried to encourage Americans to overcome “a crisis of confidence.” Many voters lost confidence in Carter instead after the infamous address that media dubbed his “malaise” speech, even though he never used that word. After Carter reluctantly agreed to admit the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979. Negotiations to quickly free the hostages broke down, and then eight Americans died when a top-secret military rescue attempt failed. Carter also had to reverse course on the SALT II nuclear arms treaty after the Soviets invaded Afghanistan in 1979. Though historians would later credit Carter’s diplomatic efforts for hastening the end of the Cold war, Republicans labeled his soft power weak. Reagan’s “make America great again” appeals resonated, and he beat Carter in all but six states. Born Oct. 1, 1924, James Earl Carter Jr. married fellow Plains native Rosalynn Smith in 1946, the year he graduated from the Naval Academy. He brought his young family back to Plains after his father died, abandoning his Navy career, and they soon turned their ambitions to politics . Carter reached the state Senate in 1962. After rural white and Black voters elected him governor in 1970, he drew national attention by declaring that “the time for racial discrimination is over.” Carter published more than 30 books and remained influential as his center turned its democracy advocacy onto U.S. politics, monitoring an audit of Georgia’s 2020 presidential election results. After a 2015 cancer diagnosis, Carter said he felt “perfectly at ease with whatever comes.” “I’ve had a wonderful life,” he said. “I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” ___ Contributors include former AP staffer Alex Sanz in Atlanta. Bill Barrow, The Associated PressPresident of the Barbados Union of Teachers (BUT), Rudy Lovell has welcomed the appointment of the 50 newly appointed principals at primary schools across the country. “The Barbados Union of Teachers extends warm congratulations to the 50 newly appointed principals, some of whom will take up leadership positions in primary schools across the island this Hilary term [the others were already placed]. We commend these educators for their dedication, perseverance and commitment to advancing the quality of education in Barbados. Although our preference for these appointments is at the beginning of the first academic term, the union notes with appreciation the Public Service’s efforts to fill these critical vacancies,” Lovell told the Sunday Sun. The president said the orientation session for the new principals was a step in the right direction and should set the foundation for effective leadership and school management. “The union recognises that the role of a principal is pivotal in fostering an environment where students and staff feel inspired and valued. We underscore the need for continuous professional development, adequate resources and a supportive framework to ensure these principals succeed in their new roles. Furthermore, the BUT remains committed to fostering a spirit of collaboration with the ministry, school administrators and other stakeholders. We look forward to working closely with the newly appointed principals to address the various challenges within the education system and to support the holistic development of our nation’s children,” said Lovell. A press release from the ministry late Friday stated that the principals underwent a standardised recruitment and selection process conducted by the Ministry of Public Service and the Ministry of Education, Technological and Vocational Training with a view to filling vacancies for the outstanding post of principal at the primary level. Last Thursday, the Ministry of Education conducted an orientation for the newly appointed principals at which they were given words of inspiration, guidance on effective management of their schools and assurance of the ministry’s confidence in their ability to manage the education process by ministry officials. In her opening remarks, Chief Education Officer, Ramona Archer-Bradshaw appealed for principals to remember their ‘why’, not to be derailed by some of the challenges, but to continue to be a source of inspiration for the students, staff and parents at their schools. She also emphasised that students and staff should feel excited about coming to school each day and that principals are a critical part of success in education. (BA/PR) Save my name, email, and website in this browser for the next time I comment.
FSK Completes Public Offering of $100 million 6.125% Unsecured Notes Due 2030
By Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. The economy steadily grew Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. Related Articles What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Savings accounts offered high rates and returns Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Credit card debt hit a high Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Small business boomed Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Home buying remained challenging Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. The markets were a boon for investors Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Premiums went up for home and auto insurance Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Lawsuits and uncertainty over student loan relief continued Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Traveling in style was all the rage Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Dynamic pricing expanded its reach Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. The car market came back for buyers Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Buy now, pay later grew in popularity Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Inflation eased, finally Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Rents were still high, but price growth slowed Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Trump won the election, promised tariffs and deportations Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Congress squabbled while consumer-first, antitrust efforts won Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .Van Lith scores 17 to help No. 11 TCU women beat Brown 79-47
Prime Minister Narendra Modi has wrapped up a historic two-day visit to Kuwait, achieving a new milestone by elevating diplomatic relationships to a strategic partnership. This marks the first visit by an Indian leader to the Gulf nation in 43 years, showcasing the commitment to strengthening bilateral cooperation. During his landmark visit, Modi engaged in extensive dialogues with Kuwait's top leaders, including discussions with Emir Sheikh Meshal Al-Ahmad Al-Jaber Al-Sabah. Key areas of focus included information technology, pharmaceuticals, and infrastructure. Both nations are optimistic that the newly minted strategic partnership will flourish in the future. The Gulf nation honored Modi with 'The Order of Mubarak Al-Kabeer' for his role in enhancing the relations between the two countries. The Indian community in Kuwait, the largest expat community, showed immense support, reflecting the deep-rooted ties. In a striking economic note, India and Kuwait's trade reached $10.47 billion, further solidifying their partnership. (With inputs from agencies.)Some quotations from Jimmy Carter. Read this article for free: Already have an account? To continue reading, please subscribe: * Some quotations from Jimmy Carter. Read unlimited articles for free today: Already have an account? Some quotations from Jimmy Carter. We have a tendency to exalt ourselves and to dwell on the weaknesses and mistakes of others. I have come to realize that in every person there is something fine and pure and noble, along with a desire for self-fulfillment. Political and religious leaders must attempt to provide a society within which these human attributes can be nurtured and enhanced. — from 1975 book “Why Not the Best?” ___ Our government can express the highest common ideals of human beings — if we demand of government true standards of excellence. At this Bicentennial time of introspection and concern, we must demand such standards. — “Why Not the Best?” ___ I am a Southerner and an American, I am a farmer, an engineer, a father and husband, a Christian, a politician and former governor, a planner, a businessman, a nuclear physicist, a naval officer, a canoeist, and among other things a lover of Bob Dylan’s songs and Dylan Thomas’s poetry. — “Why Not the Best?” ___ Christ said, “I tell you that anyone who looks on a woman with lust has in his heart already committed adultery.” I’ve looked on a lot of women with lust. I’ve committed adultery in my heart many times. This is something that God recognizes I will do — and I have done it — and God forgives me for it. But that doesn’t mean that I condemn someone who not only looks on a woman with lust but who leaves his wife and shacks up with somebody out of wedlock. — Interview, November 1976 Playboy. ___ This inauguration ceremony marks a new beginning, a new dedication within our Government, and a new spirit among us all. A President may sense and proclaim that new spirit, but only a people can provide it. — Inaugural address, January 1977. ___ It’s clear that the true problems of our nation are much deeper — deeper than gasoline lines or energy shortages, deeper even than inflation and recession. ... All the legislation in the world can’t fix what’s wrong with America. ... It is a crisis of confidence. — So-called “malaise” speech, July 1979. ___ But we know that democracy is always an unfinished creation. Each generation must renew its foundations. Each generation must rediscover the meaning of this hallowed vision in the light of its own modern challenges. For this generation, ours, life is nuclear survival; liberty is human rights; the pursuit of happiness is a planet whose resources are devoted to the physical and spiritual nourishment of its inhabitants. — Farewell Address, January 1981. ___ We appreciate the past. We are grateful for the present and we’re looking forward to the future with great anticipation and commitment. — October 1986, at the dedication of the Carter Presidential Library and Museum. ___ War may sometimes be a necessary evil. But no matter how necessary, it is always an evil, never a good. We will not learn to live together in peace by killing each other’s children. — December 2002, Nobel Peace Prize acceptance speech. ___ Fundamentalists have become increasingly influential in both religion and government, and have managed to change the nuances and subtleties of historic debate into black-and-white rigidities and the personal derogation of those who dare to disagree. ... The influence of these various trends poses a threat to many of our nation’s historic customs and moral commitments, both in government and in houses of worship. — From 2005 book “Our Endangered Values.” ___ I think that this breakthrough by Barack Obama has been remarkable. When he made his speech (on race) a few months ago in Philadelphia, I wept. I sat in front of the television and cried, because I saw that as the most enlightening and transforming analysis of racism and a potential end of it that I ever saw in my life. — August 2008, commenting on then-Sen. Barack Obama’s candidacy. ___ I think it’s based on racism. There is an inherent feeling among many in this country that an African-American should not be president. ... No matter who he is or how much we disagree with his policies, the president should be treated with respect. — September 2009, reacting to Rep. Joe Wilson’s shout of “You lie!” during a speech to Congress by President Barack Obama. ___ I’m still determined to outlive the last guinea worm. — 2010, on The Carter Center’s work to eradicate guinea worm disease. ___ You know how much I raised to run against Gerald Ford? Zero. You know how much I raised to run against Ronald Reagan? Zero. You know how much will be raised this year by all presidential, Senate and House campaigns? $6 billion. That’s 6,000 millions. — September 2012, reacting to the 2010 “Citizens United” U.S. Supreme Court decision permitting unlimited third-party political spending. ___ I have become convinced that the most serious and unaddressed worldwide challenge is the deprivation and abuse of women and girls, largely caused by a false interpretation of carefully selected religious texts and a growing tolerance of violence and warfare, unfortunately following the example set during my lifetime by the United States. — From 2014 book “A Call to Action.” ___ I don’t think there’s any doubt now that the NSA or other agencies monitor or record almost every telephone call made in the United States, including cellphones, and I presume email as well. We’ve gone a long way down the road of violating Americans’ basic civil rights, as far as privacy is concerned. — March 2014, commenting on U.S. intelligence monitoring after the Sept. 11, 2001, terror attacks ___ We accept self-congratulations about the wonderful 50th anniversary – which is wonderful – but we feel like Lyndon Johnson did it and we don’t have to do anything anymore. — April 2014, commenting on racial inequality during a celebration of the Civil Rights Act’s 40th anniversary. ___ I had a very challenging question at Emory (University) the other night: “How would you describe the United States of America today in one word?” And I didn’t know what to say for a few moments, but I finally said, “Searching.” I think the country in which we live is still searching for what it ought to be, and what it can be, and I’m not sure we’re making much progress right at this moment. — October 2014 during a celebration of his 90th birthday. ___ The life we have now is the best of all. We have an expanding and harmonious family, a rich life in our church and the Plains community, and a diversity of projects at The Carter Center that is adventurous and exciting. Rosalynn and I have visited more than 145 countries, and both of us are as active as we have ever been. We are blessed with good health and look to the future with eagerness and confidence, but are prepared for inevitable adversity when it comes. — From 2015 book, “A Full Life.” Advertisement AdvertisementNearly half of American teenagers say they are online “constantly” despite of social media and smartphones on their mental health, according to a new report published Thursday by the Pew Research Center. As in past years, YouTube was the single most popular platform teenagers used — 90% said they watched videos on the site, down slightly from 95% in 2022. Nearly three-quarters said they visit YouTube every day. There was a slight downward trend in several popular apps teens used. For instance, 63% of teens said they used TikTok, down from 67% and Snapchat slipped to 55% from 59%. This small decline could be due to pandemic-era restrictions easing up and kids having more time to see friends in person, but it’s . X saw the biggest decline among teenage users. Only 17% of teenagers said they use X, down from 23% in 2022, the year Elon Musk bought the platform. Reddit held steady at 14%. About 6% of teenagers said they use Threads, Meta’s answer to X that launched in 2023. The report comes as countries around the world are grappling with how to handle the effects of social media on young people’s well-being. Australia recently passed a law from social networks, though it’s unclear how it will be able to enforce the age limit — and whether it will come with unintended consequences such as isolating vulnerable kids from their peers. Meta’s messaging service WhatsApp was a rare exception in that it saw the number of teenage users increase, to 23% from 17% in 2022. Pew also asked kids how often they use various online platforms. Small but significant numbers said they are on them “almost constantly.” For YouTube, 15% reported constant use, for TikTok, 16% and for Snapchat, 13%. As in previous surveys, girls were more likely to use TikTok almost constantly while boys gravitated to YouTube. There was no meaningful gender difference in the use of Snapchat, Instagram and Facebook. Roughly a quarter of Black and Hispanic teens said they visit TikTok almost constantly, compared with just 8% of white teenagers. The report was based on a survey of 1,391 U.S. teens ages 13 to 17 conducted from Sept. 18 to Oct. 10, 2024.
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Kearny, NJ, Nov. 22, 2024 (GLOBE NEWSWIRE) -- StarV, a leader in wearable augmented reality (AR) innovation, has officially launched its highly anticipated Indiegogo campaign for two breakthrough AR smart glasses: StarV Air1 - MYVU and StarV View We also officially launched sales on StarV website and opening pre-orders to global users through both channels. These models redefine usability, accessibility, and entertainment, showcasing the brand's commitment to innovation and inclusivity. Key Features of StarV MYVU StarV Air1- MYVU Key Features of StarV View StarV's Commitment to "Technology for Good" StarV integrates accessibility and inclusivity into its products. From aiding communication with real-time translation to assisting individuals with hearing challenges, these AR glasses embody the brand's mission to make cutting-edge technology accessible to all. Also, Early-Bird Crowdfunding Pricing As part of the Indiegogo launch, StarV offers exclusive early-bird prices: Both models are now available for pre-order at the following links: Official Web: https://flyme.global/products/ar-smart-glasses-starv-air-myvu-1 Official Web: https://flyme.global/products/ar-smart-glasses-starv-view-1 Awards and Recognition StarV has earned accolades for its innovation, including [list relevant awards if applicable, further cementing its reputation as a forward-thinking leader in AR technology. Our StarV Air1-MYVU series has been honored with the prestigious iF Design Award and the G-Mark Best Design Award , recognizing its excellence in innovation and design. Social Media Facebook : https://www.facebook.com/profile.php?id=61567095793998 Instagram : https://www.instagram.com/starv_global/ About StarV StarV is a pioneering AR technology company dedicated to creating accessible, practical, and socially responsible wearable devices. Its products aim to enhance user experiences across entertainment, communication, and professional applications. DreamSmart AI Ecology Conference was held in Beijing in 2024, released a series of new products, including Meizu Lucky 08 AI phone, AR smart glasses StarV View, StarV Air2, smart ring StarV Ring2 and Z10 STARBUFF jointly developed by Meizu and Lynk & Co. CONTACT: For more information, visit our website or contact us. Media Contact Iris Zou: Irisz-at-iadlink.com Elisa: xinxin.tong-at-dreamsmart.com'No Sign So Far' Cubs Are Involved With Major Offseason Free Agents: ReportE lon Musk’s tech bros have clashed with the Maga rank and file over immigration for Silicon Valley workers, exposing the fragile alliance forged to put Donald Trump in the White House. The chief executive of Tesla — who spent $277 million backing Trump and other Republicans during November’s election — believes America must attract top engineering talent to secure technological dominance over China. Musk, 53, who has been put in charge of cutting government waste in Trump’s incoming administration, joined other prominent Silicon Valley figures in criticising a lack of highly-skilled workers to meet the industry’s demands at a time of intense competition over artificial intelligence. Trump’s base — energised by the president-elect’s harsh rhetoric — is broadly opposed to immigration, however, whether skilled or
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Mark Carney speaks during the Canada 2020 Net-Zero Leadership Summit in Ottawa on April 19, 2023. Sean Kilpatrick/The Canadian Press Mark Carney is the Liberal Party’s mystery man – was he about to be finance minister in the Trudeau government? Is he the prime minister in waiting? Or is he really just an economic adviser, as the party says? Mr. Carney’s role at Brookfield Corp. BAM-T and its affiliates seems much more straightforward. Until, however, you examine how Brookfield discloses – or, more accurately, does not disclose – his compensation. In August, 2020, Brookfield announced that Mr. Carney , former governor of the Bank of Canada and Bank of England, would join the company as “a vice-chair” and head of ESG and impact fund investing. A few weeks later, affiliate Brookfield Renewable Corp. disclosed in a corporate filing that Mr. Carney had also been named vice-chair of it and Brookfield Renewable LP. Here, “vice-chair” does not mean he was on the board of directors of any of these entities. This is instead a title used by many companies to convey that an important person has joined the company but doesn’t have a great deal of supervisory or executive authority. We can see this, perhaps, in that Mr. Carney never declared himself a “reporting insider” who would be obliged to file disclosures of his stock trades in the company. To simplify, under Canadian securities law, a reporting insider can exercise “significant power or influence” over the business and has access to material information about the company that it hasn’t yet disclosed. In late 2022, Brookfield announced it would spin off its asset-management business as a separate company – and Mr. Carney would be the chair of its board. Now, with this position, he would be a reporting insider, subject to stock disclosures. These stock disclosures give us the only insight into Mr. Carney’s Brookfield compensation. His stock-ownership filings with securities regulators, coupled with Brookfield disclosures about the values of its awards, suggest Mr. Carney received US$1.5-million of stock in December, 2022, when the company spun off from Brookfield, and about US$1.1-million to US$1.2-million in each of February, 2023, and 2024. (I sent these estimates to Brookfield, which declined to co-operate with or comment for this column. Mr. Carney did not respond to e-mails sent to his Brookfield e-mail and another e-mail address.) What is Mr. Carney’s current salary and bonus, plus any other forms of compensation? And what did he make prior to becoming chair of Brookfield Asset Management? We don’t know – because the various Brookfield companies seemingly don’t need to disclose it. In Brookfield Asset Management‘s annual proxy circular, sent to shareholders, the company points out that Mr. Carney earns no compensation for his service on the board, because he’s an employee. This is true of other Brookfield employees and is a common governance practice. However, it seems he’s still not in a high-level executive role. If he isn’t, Brookfield Asset Management doesn’t need to list his pay in its Summary Compensation Table. And if he were an executive, he’d have to be among the three best-paid to have his pay listed. So there’s no compensation information for Mr. Carney in the annual proxy circular. This is truly unusual, to not know what a board chair of a Canadian public company makes. Companies must disclose fees paid to directors for their board service. If they receive no fees because they’re employees, they almost always show up in the compensation table. A board chair who’s also an employee is typically the chief executive officer, or an “executive chair” who probably formerly served as CEO. It’s atypical that the board chair is an employee who can’t even make the list of best-paid execs. Now, what might Mr. Carney have received as sign-on compensation when he joined Brookfield in 2020? Again, because “head of ESG and impact fund investing” is apparently not an executive position, he wasn’t a reporting insider. Even if his income were in the millions, he wouldn’t show up in the Summary Compensation Table, and he did not need to file stock-ownership reports. The best I can do is to note that as he filed his first ownership disclosures in late 2022, he reported no shares in Brookfield Asset Management. Had he received a slug of Brookfield stock in 2020, he would’ve needed to report the Brookfield Asset Management shares he received in the spinoff, which Brookfield completed on Dec. 12, 2022. Did he receive stock or partnership units in any of the Brookfield Renewable entities at any time? I don’t know, because the “vice-chair” position did not mandate that disclosure. To be clear, Brookfield seems to have properly followed the compensation-disclosure process; I’m not here to suggest any rules were broken. That’s because the rule-makers probably didn’t anticipate this situation. From a public-company governance perspective, I think we should know what a board chair earns, no matter what regulatory quirks may allow otherwise. But there’s more. Mr. Carney’s prominent advisory role in how Canada is governed, coupled with his Brookfield role, makes disclosure imperative. Yes, he still does not have a formal government position (by advising the Liberal Party, and not the government itself, he’s exempt from those financial disclosures, as well). There’s strong evidence, however, that his economic advice is received with keen ears in the Prime Minister’s Office. Brookfield’s business model can’t help but create multiple entanglements with governments at all levels. The most glaring example is the company’s apparent attempt to create a $50-billion Canadian-asset investment fund that the country’s public pensions could invest in. Nice fees you’d have there, Brookfield. Let’s clear this up right away: Mr. Carney, and Brookfield, make a proxy-style disclosure of all of Mr. Carney’s compensation from all Brookfield entities from 2020 onward. Your shareholders, and the Canadian people, deserve to know.
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