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nice place Loblaw Cos. Ltd. stock rises Thursday, still underperforms marketShares of both Palantir Technologies ( PLTR 2.29% ) and Nvidia ( NVDA 3.14% ) have delivered stunning gains this year thanks to the growing demand for both artificial intelligence (AI) hardware and software, though it is worth noting that one of these stocks has outperformed the other one by quite some distance. Palantir stock's gains of 345% (as of this writing) are significantly higher than the 188% jump that Nvidia has recorded this year. However, does this make Palantir the better AI stock to buy of the two? Let's find out. The case for Palantir Technologies Nvidia may have made its name as the go-to provider of chips for companies looking to train AI models, but Palantir is the one that's helping enterprises and governments bring those models into production. More importantly, the rapidly growing adoption of Palantir's Artificial Intelligence Platform (AIP), which allows businesses to integrate large language models (LLMs) and generative AI into their operations, has led to a sharp acceleration in the company's business and revenue pipeline. Its revenue in the third quarter of 2024 was up 30% from the same period last year to $726 million. For comparison, Palantir's top line increased at a much slower pace of 17% in 2023. The company's growth has accelerated as the year has progressed, with Palantir management pointing out on the November earnings conference call that it "continues to see AIP-driven momentum both in expansions and new customer acquisitions." As it turns out, Palantir's customer count swelled by a solid 39% year over year. Deal size also increased as the number of transactions worth at least $1 million increased by 30% year over year last quarter to 104. The company isn't attracting just new customers for its AI software platform; it is also winning more business from existing customers. This is evident from Palantir's net-dollar retention rate of 118% in Q3, a metric that compares Palantir's trailing-12-month revenue at the end of a quarter to the trailing-12-month revenue from the same customer cohort in the year-ago period. The company's net dollar retention in the same quarter last year stood at 107%, suggesting that existing customers have increased their adoption of its platform. Also, Palantir has a robust revenue pipeline that should allow it to sustain its impressive growth in the future as well. This is evident from the company's remaining deal value (RDV) worth $4.5 billion, a metric that jumped 22% year over year in the previous quarter. The impressive growth in this metric bodes well for Palantir as RDV is the total remaining value of the company's contracts at the end of a period. The above discussion tells us why Palantir has increased its full-year guidance, expecting just over $2.8 billion in revenue in 2024. That would be a 25% increase over 2023's revenue of $2.23 billion. The estimates for the next two years have also been increased. PLTR Revenue Estimates for Current Fiscal Year data by YCharts. As the chart above shows, Palantir's top line is expected to increase at 20%-plus rates over the next couple of years. However, don't be surprised to see the company clocking stronger growth thanks to the massive opportunity in the AI software platforms market, a space that's set to grow at an annual rate of close to 41% through 2028. Palantir, therefore, has the potential to remain a top AI stock for a long time to come. The case for Nvidia Nvidia stock's returns this year pale in comparison to what Palantir has clocked, but investors shouldn't forget the critical role that the company is playing in the proliferation of AI. The chipmaker reportedly controls more than 85% of the market for AI data center graphics processing units (GPUs) , which explains why it has been clocking outstanding growth quarter after quarter. NVDA Revenue (TTM) data by YCharts. What's worth noting is that Nvidia's dominance of the AI GPU market is so strong that rivals have been finding it difficult to make a dent in the company's business. The company has reportedly sold out the entire capacity of its new Blackwell graphics cards for the next year, though the good part is that it is taking steps to ensure that it can increase supply . Not surprisingly, Nvidia is expected to deliver another terrific year of growth in fiscal 2026 following a stellar show so far this year. Its revenue is expected to increase by 112% in fiscal 2025 to $129 billion, and the forecast for the next couple of years is quite robust as well. NVDA Revenue Estimates for Current Fiscal Year data by YCharts. Even better, Nvidia remains a top growth stock to buy for the long run even after the remarkable gains that it has clocked in the past couple of years. Catalysts such as the booming demand for AI chips and enterprise software, the transition to accelerated computing, the adoption of digital twins, and growing chip content in cars are the reasons why Nvidia may be sitting on a total addressable market worth a whopping $1.7 trillion . It is also worth noting that Nvidia may become a threat to Palantir in the enterprise AI software space. CFO Colette Kress remarked on the company's latest earnings conference call : As such, Nvidia looks like a more complete AI stock as compared to Palantir. However, that's not the only reason why it looks like the better AI pick of the two. The verdict We have already seen that Nvidia is growing at a faster pace than Palantir. More importantly, Nvidia is expected to grow at a faster pace than Palantir in the next year despite being a much larger company. All this makes buying Nvidia stock over Palantir a no-brainer, especially after looking at the following chart. PLTR PE Ratio data by YCharts. Nvidia is significantly cheaper than Palantir despite enjoying superior growth. In fact, Palantir's valuation is so rich that the stock's 12-month median price target of $38 points toward a 50% drop from current levels. Nvidia, on the other hand, carries a 12-month median price target of $175, which would be a 23% increase from where it is now. Moreover, Nvidia looks like the better AI stock to buy even for the long run considering that it addresses a much bigger addressable market thanks to its growing presence in AI software and dominance in hardware.

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CAMBRIDGE — Henry County is one of five counties being sued in a class action suit in which landowners are claiming that in tax sales of their properties, the county is seeking more than it should and not returning enough to the landowner. Executive committee chairman Marshall Jones told the county board of the lawsuit Thursday, asking them to approve a letter of engagement with an attorney to represent the county in federal court. Henry County State's Attorney Catherine Runty would not be able to do so. The board approved the letter of engagement 17-0 with board members Rex Kiser, Jim Thompson and Lynn Sutton absent. "We'll let it go through the courts and see where it goes," said Jones. The initial complaint in the suit was filed in April in the U.S. District Court of Southern Illinois, listing officials and St. Clair and Sangamon counties as defendants. Henry County was added in an amended complaint filed in August, when Aaron Lindquist, a Colona resident, was added as a plaintiff. In other business the board approved an intergovernmental agreement with the village of Cambridge for police protection from the sheriff's department. The agreement provides for up to 80 hours of coverage a month at $29 per hour plus benefits. It is similar to agreements with Andover and Orion. Board member Natalie Hendryx also reported that with two deputies graduating from the police academy and one entering the academy in January, the sheriff's department is fully staffed, although three will be in training. The department is aware, however, that one deputy is leaving to join the state police. The Bishop Hill wind generator project is now completed and emergency generators have been put in place at the highway department. Finance committee chairman Mark Burton reported that the county ended the recent fiscal year in "outstanding financial condition" and has built reserves to continue making capital improvements without incurring any debt. He credited department heads, county administrator Eriun Knackstedt and "every single employee in the county" with putting the county in such a good place. Board members also learned the phone system at Hillcrest Home had failed and was temporarily replaced with cell phones from the Office of Emergency Management. Ultimately a new phone system was installed and the board approved the purchase for $24,119.83. Board member Brian Corkill reported the new system is better technology and working great. The board also approved an architect's agreement for the nursing home which is planning to remodel bathrooms in the facility. Corkill said the Illinois Department of Public Health requires that an architect be used for the project. Corkill said the nursing home is still having to use agency staffing although the census is down to 59. Total capacity at the home is nearly 100. "We encourage them to find the right balance," he said. "We can't keep cutting back." Here’s what you should know about tax deductions. Pennygem’s Natasha Abellard has the story. The bulk purchase of single-family homes by corporate owners—who then turn them into rentals—has come under increased scrutiny in recent years. Legislators have gradually been responding with bills to rein in and in some cases ban private equity, real estate investment trusts and hedge funds from purchasing single-family homes. According to Next City , the most prominent of these bills was introduced in December 2023: the End Hedge Fund Control of American Homes Act, introduced in the Senate by Oregon Sen. Jeff Merkley with companion legislation introduced in the House by Rep. Adam Smith . The bill, which has been referred to committee but has yet to receive a vote, would effectively ban hedge funds from owning any single-family homes within 10 years of its passage. The Merkley/Smith bill as written would force large corporate owners to divest from their current holdings of single-family homes over 10 years. An applicable entity that manages investor funds, is a fiduciary of the funds, and purchases new homes would be taxed half the cost of each additional home. Entities that fail to divest homes they own in excess of the 50-home cap would be taxed $50,000 for each excess home. And hedge funds, specifically, would pay that fine if they own any homes at all (with 10 years to divest of them). The taxes would go toward a new housing trust fund for downpayment assistance for aspiring homeowners. The legislation defines a "hedge fund" as any taxpayer with $50 million or more of assets under management. There are exemptions for nonprofits or any organization that primarily builds or rehabilitates single-family housing. Merkley told Next City/Shelterforce that he first learned about the issue from constituents who were being outbid for starter homes for their families by deep-pocketed investors who were willing to buy the homes sight unseen. "I started to hear the vignettes of people competing with all-cash, no-inspection offers in Oregon," Merkley says. "And three years ago or so I started seeing the stats of the large number of homes that were being purchased." While the overall ownership of single-family homes by private equity remains relatively small, a 2022 report by MetLife estimated that by 2030, 7.6 million single-family rental homes in the United States—more than 40 percent—could be owned by corporate investors. According to a November report from the Private Equity Stakeholder Project (PESP) the estimate of 1.6 million housing units owned by private equity is "likely a dramatic underestimate due to a lack of transparency in ownership records." The issue was the subject of a much-publicized Congressional hearing in 2022. And on March 7 President Biden released a policy announcement on housing ahead of his State of the Union address that mentioned private equity's influence on housing, saying, "Corporate landlords and private equity firms across the country have been accused of illegal information sharing, price fixing, and inflating rents," a reference not only to rent gouging but to ongoing litigation against RealPage, a data analytics company providing research to landlords, for coordinating rents among customers. Private equity firms generally purchase houses with the goal of quickly turning a profit and then selling them. According to the November report by the Private Equity Stakeholder Project, private equity firms generally seek to turn a 15 percent return to investors within a 3- to 5-year period, and they accomplish this by cutting costs, including "deferring maintenance, skirting regulations, and imposing unnecessary fees on tenants." A 2022 report from Drexel University found that between 2020 and 2021, 19 percent of sales of single-family homes in Richmond, Virginia, went to investors (a broad category that includes individual house flippers and private equity giants), and a quarter of the homes purchased in the same time period in Jacksonville, Florida, and Philadelphia were bought by investors. The bill is one of several pieces of legislation introduced in recent years in an attempt to address private equity purchases of housing, although the other bills are all at the state or local level. Among them is a North Carolina bill that would ban any single entity from owning more than 100 homes in counties that have above 150,000 residents. Every home owned above 100 would result in a daily fine of up to $100. In its report, PESP referred to the bill, which was referred to committee over a year ago but has never received a vote, as "one of the most stringent regulations of corporate landlords ever attempted by any state government." A bill in Minnesota, HF685 , would ban corporate entities from converting single-family homes into rentals. Introduced in January 2023, the bill hasn't received a vote but has been picking up support: it has 18 authors as of this writing. Minnesota has been particularly impacted by private equity landlords. In 2022, Next City covered a group of tenants in single-family homes in Minnesota putting their rent in escrow rather than paying their private equity landlord, Pretium Partners, which was failing to provide needed repairs. Pretium was the subject of a lawsuit by the state's attorney general, Keith Ellison. The Merkley/Smith legislation caps ownership for all pooled investment funds at 50 single-family homes. Merkley told Next City/Shelterforce the number was "arbitrary" but chosen so that large hedge funds don't form smaller companies to evade detection. "We didn't want the large billion-dollar hedge funds to create the same board of officers and create a smaller hedge fund," he says. Private equity owners of single-family homes have continually argued that they are creating supply in the rental market, particularly for growing families who would feel cramped in a small apartment. Merkley says the legislation negates that argument, because it requires private equity landlords to sell off their properties to new homeowners. "That's a completely bogus argument," he says. "You're taking a family out of the rental market when they become the owner of this home." He says that allowing aspiring homeowners to buy homes is "systematically reducing the demand for rental housing." Merkley had a front-row seat to the beginning of this crisis. He entered Congress in 2009, during the financial crisis and mortgage crisis, when the federal government had acquired hundreds of thousands of single-family homes with predatory mortgages that it needed to get rid of. After the financial crisis, the Obama administration began selling off hundreds of thousands of the single-family homes that it had foreclosed on. Rather than selling them to homeowners, they sold them to hedge funds and private equity with massive discounts. Merkley says that he was pushing the Obama administration at the time to make the homes available to Americans who had been victims of the subprime mortgage crisis. The Obama administration, Merkley says, responded that they didn't have time to build capacity for a discounted homeownership program before the buildings started to deteriorate. "I do understand the arguments the administration was making ... they were also worried about pipes freezing, they were worried about houses being broken into, they were worried about houses being stripped of their copper," Merkley says. But he says that whatever the Obama administration's limitations, "That process of selling off houses in these large bulk sales that only large hedge funds can buy them really set this in motion." Hedge funds and private equity firms make money off these homes with or without renters—the buildings appreciate in value, and that appreciation is not subject to taxation until a sale. Merkley then joined the banking committee, where he worked on regulating subprime mortgages. "We made them illegal, they were turning the dream of homeownership into a nightmare," Merkley says. (This is not exactly true, but the Dodd-Frank Wall Street Reform and Consumer Protection Act did put greater guardrails on subprime mortgages, putting them under the purview of the Consumer Financial Protection Bureau. Merkley, along with Sen. Amy Klobuchar, contributed to language in the bill that prohibited mortgage lenders and brokers from receiving financial incentives to offer high-risk loans.) The Merkley/Smith bill also does not address private equity ownership in the multifamily housing market, where it owns a larger share of the market. Since multifamily units are mostly rentals already, private equity does not have the same effect on overall supply. But corporate consolidation of housing can lead to higher rents. Merkley says he doesn't have a plan for multifamily yet. "I don't feel I understand that multifamily issue well enough to propose a specific strategy on it," he says. The End Hedge Fund Control of American Homes Act doesn't have a strong solution for one of the largest impediments to regulating corporate ownership: tracking who owns what. Many rental properties are owned by shell LLCs, making ownership hard to discern. The bill sets up a reporting requirement around acquisitions, and issues a $20,000 fine for not reporting. But it doesn't create a mechanism for uncovering who owns the units, nor does it establish a new database of rental ownership. In an email statement to Next City/Shelterforce, Merkley's office said, "LLC transparency is a key piece of the puzzle to ensuring houses in our communities are homes for families, not profit centers for Wall Street" and that the senator is "exploring the most effective transparency and reporting strategy for tracking future acquisitions." "It's tough to really hold somebody accountable when you don't really know what the true ownership is," says Chris Noble, policy director at the Private Equity Stakeholder Project. The group has endorsed the legislation, saying it addresses the "root cause" of corporate housing consolidation. Noble says any mechanism to track housing ownership would need to be as "robust" as the tax portion of the bill for the legislation to work. PESP has advocated for a national landlord registry. "There has to be some way to track what everybody has because a lot of times it is an LLC that is owned by something else that is ultimately owned by a real estate investment trust or something like that," he says. This story was co-published in collaboration with Shelterforce , the only independent, non-academic publication covering the worlds of affordable housing, community development and housing justice. This story was produced by Next City and reviewed and distributed by Stacker Media. 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Nearly half of low-income families do not use social fund support for their children. This is evident from research that ABN Amro conducted together with the Youth Fund for Sport & Culture. Approximately 1.2 million people have to survive on an income around the poverty line. They may, therefore, be eligible for support for additional expenses for their children, for things like sports and cultural activities. However, almost half of the families do not use this. People with work and a low income are especially reluctant to ask for support. Uncertainty about the application criteria and shame in asking for help play an important role, according to the researchers. Many parents also fear complicated procedures and think that the money may have to be repaid. People on benefits or social assistance often ask for support. Funds that parents can call on include the Leergeld Foundation, the Youth Sports & Culture Fund, and the Jarige Job Foundation. According to the researchers, it is noticeable that once people use a fund, the threshold for applying to other social funds becomes lower. For example, 15 percent of families have applied for a facility from two and 19 percent from three or more funds.

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Top holiday food, drink ranked via national pollLuxenberg Garbett Kelly & George P.C. Releases Article on Recognizing and Responding to Road Rage 12-12-2024 12:26 AM CET | Politics, Law & Society Press release from: ABNewswire The Western Pennsylvania car accident attorneys at Luxenberg Garbett Kelly & George P.C. ( https://www.lgkg.com/what-are-some-signs-of-road-rage-pennsylvania/ ) provide valuable information on identifying road rage behaviors and practical advice for managing such situations. Road rage is a serious safety concern on today's roads, and recognizing its warning signs can help drivers avoid potentially dangerous encounters. Their insights underscore the importance of awareness in preventing incidents that could lead to car accidents, emphasizing the role of legal guidance in cases where road rage escalates into a collision. Road rage encompasses aggressive actions that may put other drivers at risk. Recognizing these behaviors is critical, according to the Western Pennsylvania car accident attorneys, to helping ensure safety and maintaining a calm presence on the road. "Sharing the road with a driver exhibiting signs of road rage not only creates an uncomfortable situation but also increases the likelihood of accidents," the article states. For those affected by aggressive driving incidents, Luxenberg Garbett Kelly & George P.C. can offer essential support to help victims understand their rights and options. The Western Pennsylvania car accident attorneys highlight specific road rage indicators, such as aggressive tailgating, excessive horn usage, and yelling or making rude gestures. These actions, often stemming from heightened emotional states, can quickly escalate into more confrontational behavior. For instance, drivers who scream at others from their vehicle may become even more aggressive by leaving their vehicle to confront someone. Luxenberg Garbett Kelly & George P.C. advises drivers to take steps to diffuse these situations and avoid escalation. Simple strategies such as turning up the radio to ignore rude remarks or gestures, and remaining in one's lane without speeding up or reacting, can be effective in de-escalating tense encounters with an aggressive driver. Taking no action to "engage with the person making the rude gestures," the article explains, is often the best approach. Maintaining calm and focusing on personal safety can allow drivers to avoid contributing to further aggression on the road. The article also highlights tailgating as a common expression of road rage. When a driver aggressively follows another car, it creates a highly stressful environment for the person being pursued. Luxenberg Garbett Kelly & George P.C. recommends that drivers avoid speeding up in response to tailgating and maintain their normal following distance, as escalating the situation may increase the risk of a collision. Excessive horn usage is another tactic aggressive drivers often use to communicate their frustration or try to intimidate others. This, the car accident attorneys note, can be particularly unnerving for drivers unfamiliar with the area or already feeling tense. Luxenberg Garbett Kelly & George P.C. advises that remaining focused on the road and refraining from any interaction with the agitated driver can help avoid further conflict. In addition to recognizing road rage, Luxenberg Garbett Kelly & George P.C. provides advice on how drivers can avoid contributing to aggressive situations. They suggest strategies such as planning trips to allow ample time, practicing patience with slower drivers, using the horn sparingly, and avoiding confrontational gestures. The article encourages small acts of courtesy, such as waving or nodding positively, to reduce stress for everyone on the road. These efforts promote a safer, more positive driving environment and can prevent road rage incidents before they escalate. In cases where road rage leads to an accident, consulting with an experienced attorney can be crucial. The car accident attorneys at Luxenberg Garbett Kelly & George P.C. emphasize the importance of seeking legal guidance in the aftermath of a road rage incident. They can assist victims with managing insurance claims, protecting their rights, and working toward fair compensation. This support can be particularly valuable when dealing with insurance companies or if a case requires legal representation in court. For drivers in Western Pennsylvania who have experienced an accident related to road rage, Luxenberg Garbett Kelly & George P.C. can offer consultations to help individuals understand their options and pursue a favorable outcome. With their commitment to clients' well-being and rights, the Western Pennsylvania car accident attorneys can provide the support needed during such challenging times. About Luxenberg Garbett Kelly & George P.C.: Luxenberg Garbett Kelly & George P.C. has been serving Western Pennsylvania residents with a strong focus on client advocacy and fair representation. Their dedicated team of attorneys can assist clients in various areas, including car accidents, personal injury, and cases involving aggressive driving behaviors. With a commitment to safeguarding clients' rights, Luxenberg Garbett Kelly & George P.C. can work diligently to achieve favorable outcomes for individuals impacted by road rage and other car accident-related incidents. Embeds: Youtube Video: https://www.youtube.com/watch?v=lIa9dxtgWeE GMB: https://www.google.com/maps?cid=1349618312503922919 Email and website Email: lmkelly@lgkg.com Website: https://www.lgkg.com/ Media Contact Company Name: Luxenberg Garbett Kelly & George P.C. Contact Person: Lauren Kelly Gielarowski Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=luxenberg-garbett-kelly-george-pc-releases-article-on-recognizing-and-responding-to-road-rage ] Phone: (724) 658-8535 Address:315 N Mercer St City: New Castle State: Pennsylvania 16101 Country: United States Website: https://www.lgkg.com/ This release was published on openPR.

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AP Trending SummaryBrief at 2:21 p.m. EST

The stock market experienced a tumultuous day as major technology firms faced sharp declines, sparking interest and concern among investors. Tesla , Nvidia , and Microsoft all endured significant losses in alignment with a broader market pullback. Tesla’s stock plunged a significant 4.56%, marking a notable shift after its earlier performance this year. Analysts attribute this decline to profit-taking, given the company’s previously soaring stock values, and apprehensions about dropping demand in crucial markets, including China. Nevertheless, the electric vehicle giant continues to hold a firm position in major markets such as the United States and Europe, despite increasing competition globally. In another part of tech, Nvidia, known for its pioneering role in video game chips, saw its shares drop by 3.05%. The company has enjoyed robust growth thanks to a rising demand for AI technologies. However, investor concerns about possible overvaluation have cast a shadow over its recent achievements. Rising Treasury yields may also signal a broader shift away from growth stocks, impacting Nvidia adversely. Adding to the tech sector’s woes, Microsoft faced a decline of 2.26%. The software behemoth’s recent challenges indicate market caution about how broader economic forces might shape its growth prospects. As the year winds down, fluctuations in these tech giants’ stock values suggest increasing investor anxiety. Despite being pivotal to market resurgence, the delicate interplay between optimism and caution was evident as these stocks led a market downturn. Unveiling New Dynamics: The Evolving Landscape of Tech Stocks The recent slump in major technology stocks like Tesla, Nvidia, and Microsoft has not only grabbed headlines but has also sparked a significant discussion about the future dynamics of the stock market. As these tech giants face sizable market value declines, investors are left debating over key factors that could shape the future of these stocks and the broader market. Industry Outlook and Market Trends # Tesla’s Market Position and Competitive Landscape Tesla’s 4.56% drop in stock value has raised critical questions about sustainability in the electric vehicle (EV) market. Analysts point to profit-taking as a primary reason, but there are broader implications. Concerns about potential dampened demand in markets like China could forecast market saturation challenges. In spite of this, Tesla maintains its dominance particularly in the U.S. and European markets. Look to see how technological innovations and policy changes in those regions impact Tesla’s strategy going forward. # Nvidia and the AI Boom Nvidia’s 3.05% decline comes despite its leadership in AI and video gaming chips, underscoring potential market overvaluation worries. As tech stocks waver, AI remains a significant growth area; Nvidia’s future may hinge on its ability to balance investor expectation with realistic market performance. Rising Treasury yields also suggest a possible pivot away from high-growth tech stocks, indicating that Nvidia and similar companies need to strategize around more stable, long-term growth investments. # Microsoft’s Strategic Challenges Microsoft experienced a 2.26% decrease, which is relatively mild but indicative of broader economic caution affecting tech stocks. This decline highlights the challenges Microsoft faces amidst varying global economic trends. As a leader in cloud technology and enterprise solutions, Microsoft’s adaptability to these economic conditions may shape its performance in 2024 and beyond. Strategic Insights and Predictive Factors # Economic Indicators and Tech Stocks The tech sector’s recent downturn correlates with rising Treasury yields and fears of inflation, suggesting a potential shift in investor strategy from growth-oriented to value-focused investments. Market observers predict this could drive future valuation adjustments in the tech sector. # Investor Sentiment and Stock Valuation The recent declines suggest heightened investor sensitivity to valuation metrics and growth sustainability. Firms like Tesla, Nvidia, and Microsoft are under pressure to justify their high valuations amidst fluctuating economic conditions. Looking Ahead: What to Expect? – Innovation and Competition : Expect companies like Tesla and Nvidia to continue leveraging R&D to stay ahead amidst increasing competition. – Regulatory Environment : Watch for regulatory changes in major markets that may impact operational flexibility and demand for tech products. – Sustainability Factors : As the tech industry evolves, sustainability initiatives and eco-friendly technologies may become more prominent, especially for companies like Tesla. Conclusion The present volatility in tech stocks like Tesla, Nvidia, and Microsoft reflects broader market trends and investor concerns. As economic and political landscapes evolve, these companies must strategically navigate challenges to maintain their industry positions. For more insights into Tesla and its market strategies, visit Tesla . For Nvidia’s latest technological advancements, see Nvidia . To explore Microsoft’s innovation in cloud services and software, check out Microsoft .

With a new year ahead and the holiday fanfare behind, this is a great time to set money goals, especially if you recently spent a lot on gifts and travel and want to get your finances in shape. You’d be in good company, too — according to a January 2024 survey from the Pew Research Center, of the 30% of Americans who made at least one New Year’s resolution, 61% had a goal that was money-related. Right now, you may be highly motivated to solve every single one of your money issues in the next few months, but daily life is guaranteed to get in the way. Your financial to-do list, once so full of promise, can eventually get stuffed in the back of a drawer while you manage more pressing matters. The vast majority of New Year’s resolutions go unfulfilled. So how can you improve your odds of success? It comes down to accepting that you won’t have the time or energy to complete every task to perfection. Creating a system where you can prioritize, plan ahead and hold yourself accountable can help. Many start by setting a goal to trim frivolous costs, which can certainly be helpful, but there are other ways to make a big difference. Taylor Schult — a certified financial planner and founder of Define Financial, an advisory firm in San Diego — recommends starting with a few overlooked financial tasks. Freezing your credit is a quick, easy way to guard yourself against identity theft. It’s free to do, and you can temporarily lift the freeze when you’re applying for a loan or credit card. Schulte also suggests looking into umbrella insurance , which offers additional coverage beyond what your auto, homeowners and other insurance policies provide. This coverage can spare you from massive out-of-pocket costs in the event you get sued. Basic estate planning, including creating a will, is another thing to put high on your list. Putting off this task can create a major headache for your loved ones if something happens to you unexpectedly. “I know it’s a pain point and it’s often kicked down the road,” Schulte says. Paying attention to your spending is always important, but don’t neglect taking steps to protect your money, yourself and your loved ones. So many money goals are born out of social pressure. You “should” want to save up to own a home, even if you’re happily renting. You “should” sacrifice short-term needs and wants to stash away as much as possible for retirement, even though it leaves you feeling deprived. But money goals should be tied to the things that matter most to you. If they aren’t, you’ll quickly lose interest. “If you don’t know what goals to choose, go back to your values and have them guide the goals you set,” says Eric Roberge, a certified financial planner and founder of Beyond Your Hammock, a financial advisory firm in Boston. You can combine goal-setting with a little planning, so expenses are less likely to creep up on you throughout the year. Think about what expected costs will be coming up in the next six to 12 months, like recurring bills, vacations, anticipated home or car repairs, and other expenses. This approach allows you to set money aside each month to put toward planned costs, as well as longer-term goals. Forgetting your goals can be far too easy, so to make something stick, write it down . It can be as simple as a handwritten list you keep on the fridge, or online calendar reminders that will nudge you every so often. For time-sensitive goals, set deadlines. One tactic is to make multiple lists based on what you need to complete within the next week, month or three months. As time passes and you check off items, you can update the list. Enlist others’ help, too. Weekly or monthly household money meetings are useful if you’re completing financial tasks as a group. Or share your goals with a trusted friend or family member who can serve as an accountability partner. Looping in loved ones can help keep you on track. “We don’t mind letting ourselves down,” Schulte says. “But we hate to let other people down.” It’s easy to get stuck in decision-making mode when trying to pick a high-yield savings account, credit card or possible investments, but eventually, you need to make a good-enough choice . Taking action now can have more of a positive effect on your life than waiting until you’ve painstakingly considered each option. Roberge says that though he’d prefer to optimize every financial decision, he doesn’t because if he did, he wouldn’t get things done. “Everything in moderation is one of the things that I live by,” he says. “Going to extremes in any one thing, at the detriment of other things that are important, doesn’t work long-term.” More From NerdWallet Boost Your Credit Card Rewards This Holiday With a Few Extra Clicks Activating Your Credit Card? Don’t Skip the Mobile Wallet Step Should You Donate Your Points and Miles to Charity? Sara Rathner writes for NerdWallet. Email: srathner@nerdwallet.com . Twitter: @sarakrathner. The article Got Money Goals for the New Year? Stay on Track With These Tips originally appeared on NerdWallet.In 2024, the cannabis landscape in the United States experienced some developments, though federal legalization or removal from the Controlled Substances Act (CSA) did not occur under the Biden administration, though that was promised to voters on a regular basis. “No one should be in jail for cannabis possession” was the refrain repeated by President Joe Biden , beginning with his March 2024 State of the Union — the first time marijuana was ever mentioned in such an illustrious political setting — all the way up to his mid-December 2024 commutation of 1500 people including a relatively small number of cannabis offenders. Federal Rescheduling? Delay And More Delay The Drug Enforcement Administration (DEA) initiated a review to reclassify cannabis from a Schedule I to a Schedule III substance under the CSA. This move, following August 2023 Biden-directed recommendations from the Department of Health and Human Services, could have represented a historic shift in federal cannabis policy. But alas, it was never finalized. The move would have alleviate challenges related to taxation and research restrictions faced by the industry under the ongoing federal restrictions. Congress, Where Are You? Rep. Earl Blumenauer (D-OR), longtime cannabis reform advocate, said in a mid-December C-Span interview that Congress seems to be "trapped in time." "My work on cannabis legalization and working to end the failed war on drugs is one of my greatest areas of satisfaction and one of my greatest disappointments," said Blumenauer who has been involved in cannabis reform since 1973 when he was an Oregon state legislator. The incoming GOP-led Congress, at least so far, has not prioritized cannabis reform, thus diminishing prospects for supportive legislation. Read Also: Guns And Cannabis Don’t Mix In Kentucky: Medical Marijuana Law Takes Effect On New Year’s Day But There Were State-Level Legalization Initiatives Several states presented cannabis-related measures during the November 2024 elections with mixed outcomes. Nebraska: Voters approved the legalization of medical cannabis , marking a significant policy change in a state where cannabis was previously entirely illegal. Florida: A well-funded campaign to legalize recreational marijuana failed to achieve the required 60% supermajority, despite substantial financial backing and public support. North Dakota and South Dakota: Both states rejected measures to legalize recreational marijuana, reflecting ongoing resistance in certain regions. How Did Market Dynamics Fair? The cannabis market faced economic challenges throughout 2024, with many U.S. and Canadian companies experiencing significant stock price declines . Factors contributing to this downturn included regulatory uncertainties, taxation issues and competition from rampant illicit markets. Notably, AdvisorShares Pure US Cannabis ETF MSOS experienced a challenging 2024, with its stock price declining by approximately 48%, noted Benzinga PRO , indicating broader market struggles including the aforementioned regulatory challenges. Public Perception And Usage – Some Positive News Marijuana’s popularity continued to rise, with daily users in the U.S. surpassing alcohol consumers . This shift is attributed to changing legal statuses, increased public awareness of marijuana’s health benefits and the general acceptance of marijuana as a benign substance, the consumption of which has never resulted in any reported deaths. Now we just need a bit more support for rescheduling and maybe even legalization. Now Read: Trump Is First ‘Republican President’ With A Pathway To Cannabis Reform, Says Former Adviser Image: Shutterstock © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.Team Canada is expected to unveil their roster for the upcoming Four Nations Faceoff within the next two weeks, and three Oilers who were expected to make the team may instead be cut. Connor McDavid and Evan Bouchard are total locks to represent Team Canada, but Stuart Skinner, Ryan Nugent-Hopkins, and Zach Hyman may miss out on their chance due to their poor starts this season. At the end of last year's playoffs, Stuart Skinner was squarely in contention to be a starting goalie for Team Canada, and now it looks like he won't even make the team as a backup. Through 14 games this season, Skinner ranks near last place in every goaltending category. His save percentage of .876 is majorly concerning, and it's his lack of consistency that will likely keep him off the roster. The Oilers are even beginning to be linked to goalies in trade. Daily Faceoff recently evaluated Team Canada's goaltending options for this year , and projected that Adin Hill, Jordan Binnington, and Samuel Montembault to be the named netminders. Ryan Nugent-Hopkins isn't the most offensively gifted 1st overall pick ever, but he's built a long NHL career being a reliable two way forward that can contribute some scoring. Unfortunately, his play has taken a major turn for the worse this season. Nuge's speed has taken a hit, and his scoring has plummeted. With only 2 goals in 21 games, Nuge is on pace to score only 7 goals and 35 points this year. Ryan Nugent-Hopkins is being called out for his poor level of play even by the Edmonton media , so it's not likely he's earning much love from the Team Canada executives. Last season, Zach Hyman seemed like a total lock for Team Canada, playing the Chris Kunitz role for Connor McDavid. Hyman has seen his scoring absolutely fall off a cliff from last season, too. He's still getting chances, but Hyman only has 3 goals in 20 games this year - a far cry from his 54 goal campaign. NHL reporter Preston Hodgkinson recently rounded up these three Oilers to miss their chance to represent Team Canada because of their poor starts. It's unfortunate, but the Oilers will still have plenty to cheer for to see Connor McDavid excel for the first time in a real international best on best tournament. This article first appeared on Oilers Daily and was syndicated with permission.

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