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NoneBy James Royal, Ph.D., Bankrate.com Cryptocurrencies are enormously volatile, but that volatility can create opportunities for profit if you’re looking to trade these digital assets. Cryptos such as Bitcoin and Ethereum have risen a lot since their debut — but they’ve also experienced tremendous boom-bust cycles along the way. Experienced traders have been speculating on cryptocurrencies for years, but how can you get started if you’re new to the crypto market? Here’s how to start investing in cryptocurrency and the significant risks you need to watch out for. 5 steps for investing in cryptocurrency First things first, if you’re looking to invest in crypto, you need to have all your finances in order. That means having an emergency fund in place, a manageable level of debt and ideally a diversified portfolio of investments . Your crypto investments can become one more part of your portfolio, one that helps raise your total returns, hopefully. Pay attention to these five other things as you’re starting to invest in cryptocurrencies. As you would for any investment, understand exactly what you’re investing in. If you’re buying stocks, it’s important to read the annual report and other SEC filings to analyze the companies thoroughly. Plan to do the same with any cryptocurrencies , since there are literally thousands of them, they all function differently and new ones are being created every day. You need to understand the investment case for each trade. Related Articles Business | Shopping on Shein and Temu for holiday gifts? You’re not the only one Business | German restaurant Deutsche Ecke opens in Newport News Business | Cyber Monday shoppers expected to set a record on the year’s biggest day for online shopping Business | What billionaires and their advisors say keeps them from giving more and faster Business | Business notes: Hampton Roads inventions recognized, A/C Masters expands and wedding venue opens In the case of many cryptocurrencies , they’re backed by nothing at all, neither hard assets nor cash flow of an underlying entity. That’s the case for Bitcoin , for example, where investors rely exclusively on someone paying more for the asset than they paid for it. In other words, unlike stock, where a company can grow its profits and drive returns for you that way, many crypto assets must rely on the market becoming more optimistic and bullish for you to profit. Some of the most popular coins include Bitcoin, Ethereum, Solana , Dogecoin and Tether (a stablecoin) . So before investing, understand the potential upside and downside. If your financial investment is not backed by an asset or cash flow, it could end up being worth nothing. A mistake that many new investors make is looking at the past and extrapolating that to the future. Yes, Bitcoin used to be worth pennies, but now is worth much more . The key question, however, is “Will that growth continue into the future, even if it’s not at quite that meteoric rate?” Investors look to the future, not to what an asset has done in the past. What will drive future returns? Traders buying a cryptocurrency today need tomorrow’s gains, not yesterday’s. The prices of cryptocurrencies are about as volatile as an asset can get. They could drop quickly in seconds on nothing more than a rumor that ends up proving baseless. That can be great for sophisticated investors who can execute trades rapidly or who have a solid grasp on the market’s fundamentals, how the market is trending and where it could go. For new investors without these skills — or the high-powered algorithms that direct these trades — it’s a minefield. Volatility is a game for high-powered Wall Street traders, each of whom is trying to outgun other deep-pocketed investors. A new investor can easily get crushed by the volatility. That’s because volatility shakes out traders, especially beginners, who get scared. Meanwhile, other traders may step in and buy on the cheap. In short, volatility can help sophisticated traders “buy low and sell high” while inexperienced investors “buy high and sell low.” If you’re trading any asset on a short-term basis, you need to manage your risk , and that can be especially true with volatile assets such as cryptocurrency. So as a newer trader, you’ll need to understand how best to manage risk and develop a process that helps you mitigate losses. And that process can vary from individual to individual: Risk management for a long-term investor might simply be never selling, regardless of the price. The long-term mentality allows the investor to stick with the position. Risk management for a short-term trader, however, might be setting strict rules on when to sell, such as when an investment has fallen 10%. The trader then strictly follows the rule so that a relatively small decline doesn’t become a crushing loss later. Newer traders should consider setting aside a certain amount of trading money and then using only a portion of it, at least at first. If a position moves against them, they’ll still have money in reserve to trade with later. The ultimate point is that you can’t trade if you don’t have any money. So keeping some cash in reserve means you’ll always have a bankroll to fund your trading. It’s important to manage risk, but that will come at an emotional cost. Selling a losing position hurts, but doing so can help you avoid worse losses later. Finally, it’s important to avoid putting money that you need into speculative assets. If you can’t afford to lose it — all of it — you can’t afford to put it into risky assets such as cryptocurrency, or other speculative assets, for that matter. Whether it’s a down payment for a house or an important upcoming purchase, money that you need in the next few years should be kept in safe accounts so that it’s there when you need it. And if you’re looking for an absolutely sure return, your best option is to pay off high-interest debt. You’re guaranteed to earn (or save) whatever interest rate you’re paying on the debt. You can’t lose there. Finally, don’t overlook the security of any exchange or broker you’re using. You may own the assets legally, but someone still has to secure them, and their security needs to be tight. If they don’t think their cryptocurrency is properly secured, some traders choose to invest in a crypto wallet to hold their coins offline so they’re inaccessible to hackers or others. Remember that investing in cryptocurrency can be part of a broader investment strategy, but shouldn’t be your only one. Other ways to invest in cryptocurrency While investing directly in cryptocurrency is popular, traders have other ways to get into the crypto game, some more directly than others. These include: Crypto futures: Futures are another way to wager on the price swings in Bitcoin, and futures allow you to use the power of leverage to generate massive returns (or losses). Futures are a fast-moving market and exacerbate the already volatile moves in crypto. Bitcoin or Ethereum ETFs: In 2024, the Securities and Exchange Commission approved several exchange-traded funds that invest directly in Bitcoin and Ethereum. Spot Bitcoin and Ethereum ETFs are available through most online brokers who offer traditional securities like stocks and bonds. So these ETFs can be an easy way to buy crypto through a fund-like product. Crypto exchange or broker stocks: Buying stock in a company that’s poised to profit on the rise of cryptocurrency regardless of the winner could be an interesting option, too. And that’s the potential in an exchange such as Coinbase or a broker such as Robinhood, which derives a huge chunk of its revenues from crypto trading. Blockchain ETFs: A blockchain ETF allows you to invest in the companies that may profit from the emergence of blockchain technology. The top blockchain ETFs give you exposure to some of the key publicly traded companies in the space. But it’s important to note that these companies often do much more than crypto-related business, meaning your exposure to cryptocurrency is diluted, reducing your potential upside and downside. Each of these methods varies in its riskiness and exposure to cryptocurrency, so you’ll want to understand exactly what you’re buying and whether it fits your needs. Cryptocurrency investing FAQs In theory it takes only a few dollars to invest in cryptocurrency. Most crypto exchanges, for example, have a minimum trade that might be $5 or $10. Other crypto trading apps might have a minimum that’s even lower. However, it’s important to understand that some trading platforms will take a huge chunk of your investment as a fee if you’re trading small amounts of cryptocurrency. So it’s important to look for a broker or exchange that minimizes your fees. In fact, many so-called “free” brokers embed fees — called spread mark-ups — in the price you pay for your cryptocurrency. Cryptocurrency is based on blockchain technology . Blockchain is a kind of database that records and timestamps every entry into it. The best way to think of a blockchain is like a running receipt of transactions. When a blockchain database powers cryptocurrency, it records and verifies transactions in the currency, verifying the currency’s movements and who owns it. Many crypto blockchain databases are run with decentralized computer networks. That is, many redundant computers operate the database, checking and rechecking the transactions to ensure that they’re accurate. If there’s a discrepancy, the networked computers have to resolve it. Some cryptocurrencies reward those who verify the transactions on the blockchain database in a process called mining. For example, miners involved with Bitcoin solve very complex mathematical problems as part of the verification process. If they’re successful, miners receive a predetermined award of Bitcoins. To mine Bitcoins , miners need powerful processing units that consume huge amounts of energy. Many miners operate gigantic rooms full of such mining rigs in order to extract these rewards. As of October 2024, running the Bitcoin system burned as much energy per year as the country of Poland. If you’re looking to invest in Bitcoin, you have a variety of ways to do so, and you can work with a number of companies, including: Crypto exchanges: Exchanges have some of the widest selection of cryptocurrencies, and they tend to be the most competitive on price. Top players include Coinbase, Kraken and Binance, but there are literally dozens of others. Traditional brokers: Many traditional brokers also allow you to trade Bitcoin in addition to stocks and other financial assets, though they have a relatively limited selection of other cryptocurrencies. Some of the top online brokers for beginners let users trade crypto, including Interactive Brokers and Robinhood. Financial apps: Many financial apps now allow you to trade Bitcoin and a few other cryptos. Top players here include Robinhood and Webull as well as payment apps such as PayPal, Venmo and Cash App. If you’re looking to buy Bitcoin, pay particular attention to the fees that you’re paying. Here are other key things to watch out for as you’re buying Bitcoin . What are altcoins? An altcoin is an alternative to Bitcoin. Many years ago, traders would use the term pejoratively. Since Bitcoin was the largest and most popular cryptocurrency, everything else was defined in relation to it. So, whatever was not Bitcoin was lumped into a catch-all category called altcoins . While Bitcoin is still the largest cryptocurrency by market capitalization by far, it’s no longer the only game in town. Other altcoins such as Ethereum and Solana have grown in popularity, making the term altcoin somewhat outmoded. Now with a reported 15,000 or more cryptocurrencies in existence, it makes less sense than ever to define the industry as “Bitcoin and then everything else.” Bottom line Cryptocurrency is a highly speculative area of the market, and many smart investors have decided to put their money elsewhere. For beginners who want to get started trading crypto, however, the best advice is to start small and only use money that you can afford to lose. Bankrate’s Brian Baker contributed to an update of this story. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC. 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LOS ANGELES (AP) — After struggling to run the ball consistently all season, the Los Angeles Rams finally made some progress on the ground in New Orleans. Kyren Williams and rookie Blake Corum carried the Rams (6-6) to a 21-14 win that kept them squarely in the playoff race for another week. Los Angeles racked up a season-high 156 yards rushing against the Saints, with Williams going for 104 yards and a touchdown while Corum added 42 yards on a season high-tying eight carries. The game was the inverse of most afternoons this season for the Rams, who came into the week averaging fewer than 100 yards rushing per game. The running game was sturdy and productive, while Matthew Stafford and his receivers struggled to get into a rhythm at the Superdome. Coach Sean McVay always prefers to use his run game to set up the pass, and it finally worked for once this season. “I thought Kyren ran really well," McVay said. “I thought Corum ran really well. I thought our offensive line set the line of scrimmage in the run game. We really started slow in the pass game, but I thought Matthew was excellent in the second half. We were able to get some different things off of those run actions going, and that ended up being the difference in the game.” Not coincidentally, the Rams' running game worked well on the Sunday when the offensive line finally had a starting five uncompromised by injuries or suspension for the first time all season. Right tackle Rob Havenstein returned from an ankle injury, making the group whole around rookie center Beaux Limmer, who has beaten out high-priced free agent Jonah Jackson for a starting job. The Rams still had yet another slow start in a season full of them. They ran only three plays in the entire first quarter, and they were held scoreless in the first half when their other two drives resulted in a turnover on downs and a punt. But Los Angeles rebounded with an 11-play scoring drive to open the second half featuring seven runs by Williams. He eventually moved up to fifth in the NFL with 926 yards rushing despite averaging just 4.2 yards per carry — nearly a yard less than he had last season, and the lowest average among the league's top 10 rushers this season. The Rams have thrived without a strong rushing attack before: They averaged just 99.0 yards per game on the ground, ranking 25th in the NFL, during their Super Bowl championship season in 2021-22. But McVay prefers his first option to be a strong running attack, which he had during his first three seasons in charge with Todd Gurley in the backfield and Andrew Whitworth at left tackle. “Anytime the guys up front are moving them, and (Williams) is making great reads and moves on the second level, then that is a fun feeling for the offense," Stafford said. “It’s great when you can hand the ball off and get big creases. We converted when we needed to in short-yardage stuff. I thought our guys did a really great job up front, and Kyren ran it great.” The Rams have struggled in the red zone all season, but they scored touchdowns on all three trips in New Orleans. They did it by committing to the run game up the middle, setting up TD passes on the outside to Demarcus Robinson and Puka Nacua. Alvin Kamara racked up 112 yards rushing in the latest strong game by an opposing running back. Los Angeles is 28th in the league against the run, allowing 144.2 yards rushing per game — including 194 per game over the past three weeks. Rookie edge rusher Jared Verse had another outstanding game, racking up five tackles, three quarterback hits and numerous big plays that don't show up on stat sheets. He capped the performance by hitting Derek Carr from behind and forcing an incompletion from the Los Angeles 9 on New Orleans' final play. Cornerback Darious Williams gave up a touchdown pass to Marquez Valdes-Scantling and the ensuing 2-point conversion pass to Dante Pettis early in the fourth quarter, capping a second straight rough week for the free-agent signee. Williams is the Rams' best cornerback, but they haven't had an above-average shutdown pass defender since trading Jalen Ramsey. Los Angeles added cornerback depth Monday, claiming 2023 first-round pick Emmanuel Forbes off waivers from Washington. Robinson injured his hand during the game, and Stafford incurred a lateral ankle sprain. McVay said he doesn't expect either injury to affect the veterans' preparations this week. 17 — Cooper Kupp's yards receiving. That's his lowest total in a game in which he didn't get injured since Oct. 18, 2020. Kupp had only six targets, few downfield routes and curiously scant chances to make big plays. The Rams are home underdogs this week against powerhouse Buffalo, followed by a Thursday night game at San Francisco. Getting even one win out of these two matchups will be difficult, but probably necessary to keep pace with Seattle and Arizona in the NFC West. AP NFL: https://apnews.com/NFL

Every single person in his platoon knew someone who was killed. Yuval Green, 26, knew at least three. He was a reservist, a medic in the paratroops of the Israel Defence Forces, when he heard the first news of the 7 October Hamas attack. “Israel is a small country. Everyone knows each other,” he says. In several days of violence,1,200 people were killed, and 251 more abducted into Gaza. Ninety-seven hostages remain in Gaza, and around half of them are believed to be alive. Yuval immediately answered his country’s call to arms. It was a mission to defend Israelis. He recalls the horror of entering devastated Jewish communities near the Gaza border. “You're seeing... dead bodies on the streets, seeing cars punctured by bullets.” Back then, there was no doubt about reporting for duty. The country was under attack. The hostages had to be brought home. Then came the fighting in Gaza itself. Things seen that could not be unseen. Like the night he saw cats eating human remains in the roadway. “Start to imagine, like an apocalypse. You look to your right, you look to your left, all you see is destroyed buildings, buildings that are damaged by fire, by missiles, everything. That's Gaza right now.” One year on, the young man who reported for duty on 7 October is refusing to fight. Yuval is the co-organiser of a public letter signed by more than 165 - at the latest count - Israeli Defence Forces (IDF) reservists, and a smaller number of permanent soldiers, refusing to serve, or threatening to refuse, unless the hostages are returned - something that would require a ceasefire deal with Hamas. In a country still traumatised by the worst violence in its history, those refusing for reasons of conscience are a minority in a military that includes around 465,000 reservists. There is another factor in play for some other IDF reservists: exhaustion. According to Israeli media reports, a growing number are failing to report for duty. The Times of Israel newspaper and several other outlets quoted military sources as saying that there was a drop of between 15% to 25% of troops showing up, mainly due to burnout with the long periods of service required of them. Even if there is not widespread public support for those refusing to serve because of reasons of conscience, there is evidence that some of the key demands of those who signed the refusal letter are shared by a growing number of Israelis. A recent opinion poll by the Israel Democracy Institute (IDI) indicated that among Jewish Israelis 45% wanted the war to end - with a ceasefire to bring the hostages home - against 43% who wanted the IDF to fight on to destroy Hamas. Significantly, the IDI poll also suggests that the sense of solidarity which marked the opening days of the war as the country reeled from the trauma of 7 October has been overtaken by the revival of political divisions: only 26% of Israelis believe there is now a sense of togetherness, while 44% say there is not. At least part of this has to do with a feeling often expressed, especially among those on the left of the political divide, that the war is being prolonged at the behest of far-right parties whose support Prime Minister Benjamin Netanyahu needs to remain in power. Even the former Defence Minister, Yoav Gallant, a member of Netanhayu’s Likud Party, dismissed by the prime minister last month, cited the failure to return the hostages as one of the key disagreements with his boss. “There is and will not be any atonement for abandoning the captives,” he said. “It will be a mark of Cain on the forehead of Israeli society and those leading this mistaken path.” Netanyahu, who along with Gallant is facing an arrest warrant from the International Criminal Court for alleged war crimes, has repeatedly denied this and stressed his commitment to freeing the hostages. The seeds of Yuval’s refusal lie back in the days soon after the war began. Then the deputy speaker of the Knesset (Israel’s parliament), Nissim Vaturi, called for the Gaza Strip to be “erased from the face of the Earth”. Prominent rabbi Eliyahu Mali, referring generally to Palestinians in Gaza, said: “If you don’t kill them, they’ll kill you.” The rabbi stressed soldiers should only do what the army orders, and that the state law did not allow for the killing of the civilian population. But the language - by no means restricted to the two examples above - worried Yuval. “People were speaking about killing the entire population of Gaza, as if it was some type of an academic idea that makes sense... And with this atmosphere, soldiers are entering Gaza just a month after their friends were butchered, hearing about soldiers dying every day. And soldiers do a lot of things.” There have been social media posts from soldiers in Gaza abusing prisoners, destroying property, and mocking Palestinians, including numerous examples of soldiers posing with people’s possessions - including womens’ dresses and underwear. “I was trying to fight that at the time as much as I could,” says Yuval. “There was a lot of dehumanising, a vengeful atmosphere.” His personal turning point came with an order he could not obey. “They told us to burn down a house, and I went to my commander and asked him: ‘Why are we doing that?’ And the answers he gave me were just not good enough. I wasn't willing to burn down a house without reasons that make sense, without knowing that this serves a certain military purpose, or any type of purpose. So I said no and left.” That was his last day in Gaza. In response, the IDF told me that its actions were “based on military necessity, and with accordance to international law” and said Hamas “unlawfully embed their military assets in civilian areas”. Three of the refusers have spoken to the BBC. Two agreed to give their names, while a third requested anonymity because he feared repercussions. All stress that they love their country, but the experience of the war, the failure to reach a hostage deal led to a defining moral choice. One soldier, who asked to remain anonymous, was at Tel Aviv’s Ben Gurion airport when news started coming in about the Hamas attacks. He recalls feeling shock at first. Then a ringing sensation in his ears. “I remember the drive home... The radio’s on and people [are] calling in, saying: ‘My dad was just kidnapped, help me. No-one's helping me.’ It was truly a living nightmare.” This was the moment the IDF was made for, he felt. It wasn’t like making house raids in the occupied West Bank or chasing stone-throwing youths. “Probably for the first time I felt like I enlisted in true self-defence.” But his view transformed as the war progressed. “I guess I no longer felt I could honestly say that this campaign was centered around securing the lives of Israelis.” He says this was based on what he saw and heard among comrades. “I try to have empathy and say, ‘This is what happens to people who are torn apart by war...’ but it was hard to overlook how wide this discourse was.” He recalls comrades boasting, even to their commanders, about beating “helpless Palestinians”. And he heard more chilling conversations. “People would pretty calmly talk about cases of abuse or even murder, as if it was a technicality, or with real serenity. That obviously shocked me.” The soldier also says he witnessed prisoners being blindfolded and not allowed to move “for basically their entire stay... and given amounts of food that were shocking”. When his first tour of duty ended he vowed not to return. The IDF referred me to a statement from last May which said any abuse of detainees was strictly prohibited. It also said three meals a day were provided, “of quantity and variety approved by a qualified nutritionist”. It said handcuffing of detainees was only carried out “where the security risk requires it” and “every day an examination is carried out... to make sure that the handcuffs are not too tight”. The UN has said reports of alleged torture and sexual violence by Israeli guards were “grossly illegal and revolting” and enabled by “absolute impunity”. Michael Ofer-Ziv, 29, knew two people from his village who were killed on 7 October, among them Shani Louk whose body was paraded through Gaza on the back of a pickup truck in what became one of the most widely shared images of the war. “That was hell,” he says. Michael was already a committed left-winger who advocated political not military solutions to the Israeli-Palestinian conflict. But, like his comrades, he felt reporting for reserve duty was correct. “I knew that the military action was inevitable... and was justified in a way, but I was very worried about the shape it might take.” His job was to work as an operations officer in a brigade war room, watching and directing action relayed back from drone cameras in Gaza. At times the physical reality of the war hit home. “We went to get some paper from somewhere in the main command of the Gaza area,” he remembers. “And at some point we opened the window... and the stench was like a butchery... Like in the market, where it's not very clean.” Again it was a remark heard during a discussion among comrades that helped push him towards action. “I think the most horrible sentence that I heard was someone who said to me that the kids that we spared in the last war in Gaza [2014] became the terrorists of October 7, which I bet is true for some cases... but definitely not all of them.” Such extreme views existed among a minority of soldiers, he says, but the majority were “just indifferent towards the price... what's called ‘collateral damage’, or Palestinian lives”. He’s also dismayed by statements that Jewish settlements should be built in Gaza after the war - a stated aim of far-right government ministers, and even some members of Netanyahu’s Likud party. Figures suggest there is a growing body of officers and troops within the IDF who come from what is called a ‘National Religious’ background: these are supporters of far-right Jewish nationalist parties who advocate settlement and annexation of Palestinian lands, and are firmly opposed to Palestinian statehood. According to research from the Israeli Centre for Public Affairs, a non-governmental think tank, the number of such officers graduating from the military academy rose from 2.5% in 1990 to 40% in 2014. Ten years ago, one of Israel’s leading authorities on the issue, Professor Mordechai Kremnitzer, a senior fellow at the Israel Democracy Institute, warned about what he called the ‘religification’ of the army. “Within this context, messages about Jewish superiority and demonisation of the enemy are fertile ground for fostering brutality and releasing soldiers from moral constraints.” The decisive moment for Michael Ofer-Ziv came when the IDF shot three Israeli hostages in Gaza in December 2023. The three men approached the army stripped to the waist, and one held a stick with a white cloth. The IDF said a soldier had felt threatened and opened fire, killing two hostages. A third was wounded but then shot again and killed, when a soldier ignored his commander’s ceasefire order. “I remember thinking to what level of moral corruption have we got... that this can happen. And I also remember thinking, there is just no way this is the first time [innocent people were shot]... It's just the first time that we are hearing about it, because they are hostages. If the victims were Palestinians, we just would never hear about it.” The IDF has said that refusal to serve by reservists is dealt with on a case-by-case basis, and Prime Minister Netanyahu insists it is “the most moral army in the world”. For most Israelis, the IDF is the guarantor of their security; it helped found Israel in 1948 and is an expression of the nation - every Israeli citizen over 18 who is Jewish (and also Druze and Circassian minorities) must serve. The refusers have attracted some hostility. Some prominent politicians, like Miri Regev, a cabinet member and former IDF spokeswoman, have called for action. “Refusers should be arrested and prosecuted," she has said. But the government has so far avoided tough action because, according to Yuval Green, “the military realised that it only draws attention to our actions, so they try to let us go quietly.” For those starting their national service and who refuse, sanctions are tougher. Eight conscientious objectors - not part of the reservists group - due to begin their military service at 18 years old have served time in military prison. The soldiers I spoke with described a mix of anger, disappointment, pain or ‘radio silence’ from their former comrades. “I strongly oppose them [the refusers],” says Major Sam Lipsky, 31, a reservist who fought in Gaza during the current war but is now based outside the Strip. He accuses the refusers group of being “highly political” and focused on opposing the current government. “I don't have to be a Netanyahu fan in order to not appreciate people using the military, an institution we're all meant to rally behind, as political leverage.” Maj Lipsky is a supporter of what he views as Israel’s mainstream right - not the far right represented by government figures like Itamar Ben-Gvir, the national security minister who has been convicted of inciting racism and supporting terrorism, and finance minister, Belazel Smotrich, who recently called for the population of Gaza to be halved by encouraging “voluntary migration”. Maj Lipsky acknowledges the civilian suffering in Gaza and does not deny the imagery of dead and maimed women and children. As we speak at his home in southern Israel, his two young children are sleeping in the next room. “There's no way to fight the war and to prosecute a military campaign without these images happening,” he says. He then uses an expression heard in the past from Israeli leaders: “You can't mow the lawn without grass flying up. It is not possible.” He says the blame belongs to Hamas who went to “randomly slaughter as many Jews as possible, women, children, soldiers”. The imperative of fighting the war has postponed a deepening struggle over the future character of the Jewish state. It is, in large part, a conflict between the secularist ideals held by people like Michael Ofer-Zif and Yuval Green, and the increasingly powerful religious right represented by the settlements movement, and their champions in Netanyahu’s cabinet, including figures like Itamar Ben-Gvir and Bezalel Smotrich. Add to that the lingering, widespread anger over the government’s attempts to dilute the power of the country’s judiciary in 2023 - it led to mass demonstrations in the months before October 7 - and the stage is set for a turbulent politics long after the war ends. On both sides it is not unusual to hear people talk of a struggle for the soul of Israel. Maj Lipsky was packing to return to military duty on the evening I met him, sure of his duty and responsibility. No peace until Hamas was defeated. Among the refusers I spoke with, there was a determination to stand by their principles. Michael Ofer-Ziv may leave Israel, unsure whether he can be happy in the country. “It just looks less and less likely that I will be able to hold the values that I hold, wanting the future that I want for my kids to live here, and that is very scary,” he says. Yuval Green is training to become a doctor, and hopes that a settlement can be reached between peacemakers among the Israeli and Palestinian people. “I think in this conflict, there are only two sides, not the Israeli side and the Palestinian side. There is the side that supports violence and the side that supports, you know, finding better solutions.” There are many Israelis who would disagree with that analysis, but it won’t stop his mission. Top image credit: Getty BBC InDepth is the new home on the website and app for the best analysis and expertise from our top journalists. Under a distinctive new brand, we’ll bring you fresh perspectives that challenge assumptions, and deep reporting on the biggest issues to help you make sense of a complex world. And we’ll be showcasing thought-provoking content from across BBC Sounds and iPlayer too. We’re starting small but thinking big, and we want to know what you think - you can send us your feedback by clicking on the button below.

Democrats shift tactics on Trump Cabinet picks after lessons learned from first termBy James Royal, Ph.D., Bankrate.com Cryptocurrencies are enormously volatile, but that volatility can create opportunities for profit if you’re looking to trade these digital assets. Cryptos such as Bitcoin and Ethereum have risen a lot since their debut — but they’ve also experienced tremendous boom-bust cycles along the way. Experienced traders have been speculating on cryptocurrencies for years, but how can you get started if you’re new to the crypto market? Here’s how to start investing in cryptocurrency and the significant risks you need to watch out for. 5 steps for investing in cryptocurrency First things first, if you’re looking to invest in crypto, you need to have all your finances in order. That means having an emergency fund in place, a manageable level of debt and ideally a diversified portfolio of investments . Your crypto investments can become one more part of your portfolio, one that helps raise your total returns, hopefully. Pay attention to these five other things as you’re starting to invest in cryptocurrencies. As you would for any investment, understand exactly what you’re investing in. If you’re buying stocks, it’s important to read the annual report and other SEC filings to analyze the companies thoroughly. Plan to do the same with any cryptocurrencies , since there are literally thousands of them, they all function differently and new ones are being created every day. You need to understand the investment case for each trade. In the case of many cryptocurrencies , they’re backed by nothing at all, neither hard assets nor cash flow of an underlying entity. That’s the case for Bitcoin , for example, where investors rely exclusively on someone paying more for the asset than they paid for it. In other words, unlike stock, where a company can grow its profits and drive returns for you that way, many crypto assets must rely on the market becoming more optimistic and bullish for you to profit. Some of the most popular coins include Bitcoin, Ethereum, Solana , Dogecoin and Tether (a stablecoin) . So before investing, understand the potential upside and downside. If your financial investment is not backed by an asset or cash flow, it could end up being worth nothing. A mistake that many new investors make is looking at the past and extrapolating that to the future. Yes, Bitcoin used to be worth pennies, but now is worth much more . The key question, however, is “Will that growth continue into the future, even if it’s not at quite that meteoric rate?” Investors look to the future, not to what an asset has done in the past. What will drive future returns? Traders buying a cryptocurrency today need tomorrow’s gains, not yesterday’s. The prices of cryptocurrencies are about as volatile as an asset can get. They could drop quickly in seconds on nothing more than a rumor that ends up proving baseless. That can be great for sophisticated investors who can execute trades rapidly or who have a solid grasp on the market’s fundamentals, how the market is trending and where it could go. For new investors without these skills — or the high-powered algorithms that direct these trades — it’s a minefield. Volatility is a game for high-powered Wall Street traders, each of whom is trying to outgun other deep-pocketed investors. A new investor can easily get crushed by the volatility. That’s because volatility shakes out traders, especially beginners, who get scared. Meanwhile, other traders may step in and buy on the cheap. In short, volatility can help sophisticated traders “buy low and sell high” while inexperienced investors “buy high and sell low.” If you’re trading any asset on a short-term basis, you need to manage your risk , and that can be especially true with volatile assets such as cryptocurrency. So as a newer trader, you’ll need to understand how best to manage risk and develop a process that helps you mitigate losses. And that process can vary from individual to individual: Newer traders should consider setting aside a certain amount of trading money and then using only a portion of it, at least at first. If a position moves against them, they’ll still have money in reserve to trade with later. The ultimate point is that you can’t trade if you don’t have any money. So keeping some cash in reserve means you’ll always have a bankroll to fund your trading. It’s important to manage risk, but that will come at an emotional cost. Selling a losing position hurts, but doing so can help you avoid worse losses later. Finally, it’s important to avoid putting money that you need into speculative assets. If you can’t afford to lose it — all of it — you can’t afford to put it into risky assets such as cryptocurrency, or other speculative assets, for that matter. Whether it’s a down payment for a house or an important upcoming purchase, money that you need in the next few years should be kept in safe accounts so that it’s there when you need it. And if you’re looking for an absolutely sure return, your best option is to pay off high-interest debt. You’re guaranteed to earn (or save) whatever interest rate you’re paying on the debt. You can’t lose there. Finally, don’t overlook the security of any exchange or broker you’re using. You may own the assets legally, but someone still has to secure them, and their security needs to be tight. If they don’t think their cryptocurrency is properly secured, some traders choose to invest in a crypto wallet to hold their coins offline so they’re inaccessible to hackers or others. Remember that investing in cryptocurrency can be part of a broader investment strategy, but shouldn’t be your only one. Other ways to invest in cryptocurrency While investing directly in cryptocurrency is popular, traders have other ways to get into the crypto game, some more directly than others. These include: Each of these methods varies in its riskiness and exposure to cryptocurrency, so you’ll want to understand exactly what you’re buying and whether it fits your needs. Cryptocurrency investing FAQs In theory it takes only a few dollars to invest in cryptocurrency. Most crypto exchanges, for example, have a minimum trade that might be $5 or $10. Other crypto trading apps might have a minimum that’s even lower. However, it’s important to understand that some trading platforms will take a huge chunk of your investment as a fee if you’re trading small amounts of cryptocurrency. So it’s important to look for a broker or exchange that minimizes your fees. In fact, many so-called “free” brokers embed fees — called spread mark-ups — in the price you pay for your cryptocurrency. Cryptocurrency is based on blockchain technology . Blockchain is a kind of database that records and timestamps every entry into it. The best way to think of a blockchain is like a running receipt of transactions. When a blockchain database powers cryptocurrency, it records and verifies transactions in the currency, verifying the currency’s movements and who owns it. Many crypto blockchain databases are run with decentralized computer networks. That is, many redundant computers operate the database, checking and rechecking the transactions to ensure that they’re accurate. If there’s a discrepancy, the networked computers have to resolve it. Some cryptocurrencies reward those who verify the transactions on the blockchain database in a process called mining. For example, miners involved with Bitcoin solve very complex mathematical problems as part of the verification process. If they’re successful, miners receive a predetermined award of Bitcoins. To mine Bitcoins , miners need powerful processing units that consume huge amounts of energy. Many miners operate gigantic rooms full of such mining rigs in order to extract these rewards. As of October 2024, running the Bitcoin system burned as much energy per year as the country of Poland. If you’re looking to invest in Bitcoin, you have a variety of ways to do so, and you can work with a number of companies, including: If you’re looking to buy Bitcoin, pay particular attention to the fees that you’re paying. Here are other key things to watch out for as you’re buying Bitcoin . What are altcoins? An altcoin is an alternative to Bitcoin. Many years ago, traders would use the term pejoratively. Since Bitcoin was the largest and most popular cryptocurrency, everything else was defined in relation to it. So, whatever was not Bitcoin was lumped into a catch-all category called altcoins . While Bitcoin is still the largest cryptocurrency by market capitalization by far, it’s no longer the only game in town. Other altcoins such as Ethereum and Solana have grown in popularity, making the term altcoin somewhat outmoded. Now with a reported 15,000 or more cryptocurrencies in existence, it makes less sense than ever to define the industry as “Bitcoin and then everything else.” Bottom line Cryptocurrency is a highly speculative area of the market, and many smart investors have decided to put their money elsewhere. For beginners who want to get started trading crypto, however, the best advice is to start small and only use money that you can afford to lose. Bankrate’s Brian Baker contributed to an update of this story. ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.Spears had five assists for the Roadrunners (3-3). Raekwon Horton added 19 points while shooting 6 of 7 from the field and 7 for 7 from the line while he also had nine rebounds. Damari Monsanto finished 3 of 8 from 3-point range to finish with 11 points. Julian Mackey finished with 20 points for the Huskies (2-6). Bryson Dawkins added 16 points and two blocks for Houston Christian. Demari Williams also had 11 points. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

Jared Birchall, Elon Musk’s money manager and the head of his family office, is listed as the chief executive officer. Jehn Balajadia, a longtime Musk aide who has worked at SpaceX and the Boring Co., is named as an official contact. But they’re not connected to Musk’s new technology venture, or the political operation that’s endeared him to Donald Trump. Instead, they’re tied to the billionaire’s new Montessori school outside Bastrop, Texas, called Ad Astra, according to documents filed with state authorities and obtained via a Texas Public Information Act request. The world’s richest person oversees an overlapping empire of six companies — or seven, if you include his political action committee. Alongside rockets, electric cars, brain implants, social media and the next Trump administration, he is increasingly focused on education, spanning preschool to college. One part of his endeavor was revealed last year, when Bloomberg News reported that his foundation had set aside roughly $100 million to create a technology-focused primary and secondary school in Austin, with eventual plans for a university. An additional $137 million in cash and stock was allotted last year, according to the most recent tax filing for the Musk Foundation. Ad Astra is closer to fruition. The state documents show Texas authorities issued an initial permit last month, clearing the way for the center to operate with as many as 21 pupils. Ad Astra’s website says it’s “currently open to all children ages 3 to 9.” The school’s account on X includes job postings for an assistant teacher for preschool and kindergarten and an assistant teacher for students ages 6 to 9. To run the school, Ad Astra is partnering with a company that has experience with billionaires: Xplor Education, which developed Hala Kahiki Montessori school in Lanai, Hawaii, the island 98% owned by Oracle Corp. founder Larry Ellison. Ad Astra sits on a highway outside Bastrop, a bedroom community about 30 miles from Austin and part of a region that’s home to several of Musk’s businesses. On a visit during a recent weekday morning, there was a single Toyota Prius in the parking lot and no one answered the door at the white building with a gray metal roof. The school’s main entrance was blocked by a gate, and there was no sign of any children on the grounds. But what information there is about Ad Astra makes it sound like a fairly typical, if high-end, Montessori preschool. The proposed schedule includes “thematic, STEM-based activities and projects” as well as outdoor play and nap time. A sample snack calendar features carrots and hummus. While Birchall’s and Balajadia’s names appear in the application, it isn’t clear that they’ll have substantive roles at the school once it’s operational. Musk, Birchall and Balajadia didn’t respond to emailed questions. A phone call and email to the school went unanswered. Access to high quality, affordable childcare is a huge issue for working parents across the country, and tends to be an especially vexing problem in rural areas like Bastrop. Many families live in “childcare deserts” where there is either not a facility or there isn’t an available slot. Opening Ad Astra gives Musk a chance to showcase his vision for education, and his support for the hands-on learning and problem solving that are a hallmark of his industrial companies. His public comments about learning frequently overlap with cultural concerns popular among conservatives and the Make America Great Again crowd, often focusing on what he sees as young minds being indoctrinated by teachers spewing left-wing propaganda. He has railed against diversity, equity and inclusion efforts, and in August posted that “a lot of schools are teaching white boys to hate themselves.” Musk’s educational interests dovetail with his new role as Trump’s “first buddy.” The billionaire has pitched a role for himself that he — and now the incoming Trump administration — call “DOGE,” or the Department of Government Efficiency. Though it’s not an actual department, DOGE now posts on X, the social media platform that Musk owns. “The Department of Education spent over $1 billion promoting DEI in America’s schools,” the account posted Dec. 12. Back in Texas, Bastrop is quickly becoming a key Musk point of interest. The Boring Co., his tunneling venture, is based in an unincorporated area there. Across the road, SpaceX produces Starlink satellites at a 500,000-square-foot (46,000-square-meter) facility. Nearby, X is constructing a building for trust and safety workers. Musk employees, as well as the general public, can grab snacks at the Boring Bodega, a convenience store housed within Musk’s Hyperloop Plaza, which also contains a bar, candy shop and hair salon. Ad Astra is just a five-minute drive away. It seems to have been designed with the children of Musk’s employees — if not Musk’s own offspring — in mind. Musk has fathered at least 12 children, six of them in the last five years. “Ad Astra’s mission is to foster curiosity, creativity, and critical thinking in the next generation of problem solvers and builders,” reads the school’s website. A job posting on the website of the Montessori Institute of North Texas says “While their parents support the breakthroughs that expand the realm of human possibility, their children will grow into the next generation of innovators in a way that only authentic Montessori can provide.” The school has hired an executive director, according to documents Bloomberg obtained from Texas Health and Human Services. Ad Astra is located on 40 acres of land, according to the documents, which said a 4,000-square-foot house would be remodeled for the preschool. It isn’t uncommon for entrepreneurs to take an interest in education, according to Bill Gormley, a professor emeritus at the McCourt School of Public Policy at Georgetown University who studies early childhood education. Charles Butt, the chairman of the Texas-based H-E-B grocery chain, has made public education a focus of his philanthropy. Along with other business and community leaders, Butt founded “Raise Your Hand Texas,” which advocates on school funding, teacher workforce and retention issues and fully funding pre-kindergarten. “Musk is not the only entrepreneur to recognize the value of preschool for Texas workers,” Gormley said. “A lot of politicians and business people get enthusiastic about education in general — and preschool in particular — because they salivate at the prospect of a better workforce.” Musk spent much of October actively campaigning for Trump’s presidential effort, becoming the most prolific donor of the election cycle. He poured at least $274 million into political groups in 2024, including $238 million to America PAC, the political action committee he founded. While the vast majority of money raised by America PAC came from Musk himself, it also had support from other donors. Betsy DeVos, who served as education secretary in Trump’s first term, donated $250,000, federal filings show. The Department of Education is already in the new administration’s cross hairs. Trump campaigned on the idea of disbanding the department and dismantling diversity initiatives, and he has also taken aim at transgender rights. “Rather than indoctrinating young people with inappropriate racial, sexual, and political material, which is what we’re doing now, our schools must be totally refocused to prepare our children to succeed in the world of work,” Trump wrote in Agenda 47, his campaign platform. Musk has three children with the musician Grimes and three with Shivon Zilis, who in the past was actively involved at Neuralink, his brain machine interface company. All are under the age of five. Musk took X, his son with Grimes, with him on a recent trip to Capitol Hill. After his visit, he shared a graphic that showed the growth of administrators in America’s public schools since 2000. Musk is a fan of hands-on education. During a Tesla earnings call in 2018, he talked about the need for more electricians as the electric-car maker scaled up the energy side of its business. On the Joe Rogan podcast in 2020, Musk said that “too many smart people go into finance and law.” “I have a lot of respect for people who work with their hands and we need electricians and plumbers and carpenters,” Musk said while campaigning for Trump in Pennsylvania in October. “That’s a lot more important than having incremental political science majors.” Ad Astra’s website says the cost of tuition will be initially subsidized, but in future years “tuition will be in line with local private schools that include an extended day program.” “I do think we need significant reform in education,” Musk said at a separate Trump campaign event. “The priority should be to teach kids skills that they will find useful later in life, and to leave any sort of social propaganda out of the classroom.” ©2024 Bloomberg News. Visit at bloomberg.com. Distributed by Tribune Content Agency, LLC.The Legendary Riviera Resort & Spa in Palm Springs Returns to Its Iconic Roots

Caprock Group LLC raised its position in shares of Bancolombia S.A. ( NYSE:CIB – Free Report ) by 8.8% during the third quarter, HoldingsChannel reports. The fund owned 19,964 shares of the bank’s stock after acquiring an additional 1,621 shares during the quarter. Caprock Group LLC’s holdings in Bancolombia were worth $643,000 at the end of the most recent quarter. Several other hedge funds and other institutional investors have also made changes to their positions in CIB. Venturi Wealth Management LLC bought a new position in Bancolombia during the 3rd quarter valued at about $27,000. Blue Trust Inc. boosted its position in shares of Bancolombia by 96.5% during the third quarter. Blue Trust Inc. now owns 1,305 shares of the bank’s stock valued at $43,000 after buying an additional 641 shares during the period. Virtus Investment Advisers Inc. bought a new position in shares of Bancolombia during the first quarter valued at approximately $89,000. Signaturefd LLC lifted its stake in shares of Bancolombia by 10.6% during the 2nd quarter. Signaturefd LLC now owns 5,053 shares of the bank’s stock worth $165,000 after acquiring an additional 484 shares during the last quarter. Finally, US Bancorp DE lifted its stake in shares of Bancolombia by 18.9% during the 3rd quarter. US Bancorp DE now owns 5,282 shares of the bank’s stock worth $166,000 after acquiring an additional 839 shares during the last quarter. Bancolombia Stock Performance Shares of Bancolombia stock opened at $32.81 on Friday. The company has a debt-to-equity ratio of 0.34, a quick ratio of 1.00 and a current ratio of 1.00. The stock’s fifty day moving average price is $32.03 and its 200-day moving average price is $33.06. Bancolombia S.A. has a 12 month low of $27.43 and a 12 month high of $37.85. Bancolombia Cuts Dividend Analyst Ratings Changes CIB has been the subject of several research analyst reports. JPMorgan Chase & Co. decreased their target price on Bancolombia from $36.00 to $35.00 and set an “underweight” rating for the company in a research report on Monday, August 12th. The Goldman Sachs Group lowered shares of Bancolombia from a “neutral” rating to a “sell” rating and decreased their price objective for the company from $34.00 to $32.00 in a report on Tuesday, August 20th. Finally, Bank of America downgraded shares of Bancolombia from a “neutral” rating to an “underperform” rating and dropped their target price for the stock from $38.00 to $34.00 in a research note on Thursday, August 29th. Check Out Our Latest Stock Report on CIB About Bancolombia ( Free Report ) Bancolombia SA, together with its subsidiaries, provides banking products and services in Colombia and internationally. The company operates through nine segments: Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, International Banking, and All Other. See Also Want to see what other hedge funds are holding CIB? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Bancolombia S.A. ( NYSE:CIB – Free Report ). Receive News & Ratings for Bancolombia Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Bancolombia and related companies with MarketBeat.com's FREE daily email newsletter .

Intuit Beats Fiscal Q1 Views But Guides Low - Investor's Business DailyGeorgia's rights ombudsman on Tuesday accused police of torturing pro-European Union protesters rallying for six consecutive days against the government's decision to shelve EU accession talks amid a post-election crisis. The country of some 3.7 million has been rocked by demonstrations since the ruling Georgian Dream party announced last week it would halt EU accession talks. Police on Tuesday evening used water cannon and tear gas on the sixth night of pro-EU protests in Tbilisi after the prime minister threatened demonstrators with reprisals amid a deepening crisis in the Black Sea nation. Georgia's Prime Minister Irakli Kobakhidze has refused to back down and threatened Tuesday to punish political opponents, accusing them of being behind violence at mass protests. Protesters gathered outside parliament for a sixth straight night but the crowd appeared slightly smaller than on recent nights, an AFP journalist saw. Draped in EU and Georgian flags, protesters booed riot police officers and threw fireworks. Police responded by directing hoses at the protesters, with some dancing in the jets and others sheltering under umbrellas. The police ordered demonstrators to leave through loud hailers and used water cannon to push the crowd away from the parliament. Then they deployed tear gas against the crowd in a nearby street, causing protesters to cough, with some using saline solution to wash out their eyes. Police roughly detained some demonstrators, Georgian independent television showed. Ombudsman Levan Ioseliani said in a statement that most injuries sustained by detained protesters "are concentrated on the face, eyes, and head", adding that "the location, nature, and severity of these injuries strongly suggest that police are using violence against citizens as a punitive measure", which "constitutes an act of torture." Tensions were already high after October parliamentary elections that saw Georgian Dream return to power amid accusations that it rigged the vote. But Kobakhidze's decision that Georgia would not hold EU membership talks until 2028 triggered uproar, although he insisted the country is still heading towards membership. The mostly young protesters accuse Georgian Dream of acting on Russian orders and fear the ex-Soviet country will end up back under Russian influence. Demonstrators projected a message Tuesday that read "thank you for not being tired" onto the parliament building, an AFP reporter saw. During the latest wave of protests, 293 people have been detained, the interior ministry said Tuesday evening, while 143 police have been injured. The health ministry said that on Monday evening 23 protesters were injured. "We want freedom and we do not want to find ourselves in Russia," 21-year-old protester Nika Maghradze told AFP. Demonstrators accuse the government of betraying Georgia's bid for EU membership, which is enshrined in its constitution and supported by around 80 percent of the population. Nugo Chigvinadze, 41, who works in logistics, told AFP at Tuesday's protest that he did not believe the prime minister's claim that the country is still aiming for EU membership. Sign up to get our free daily email of the biggest stories! "Whatever our government is saying is a lie. No one believed it. No one," he said. "They are not intending to enter the European Union." Pro-EU President Salome Zurabishvili -- at loggerheads with the government -- has backed the protest and demanded a re-run of the disputed parliamentary vote. But Tbilisi's top court on Tuesday rejected a lawsuit filed by Zurabishvili and opposition parties to overturn the election result. That announcement came shortly after Kobakhidze -- who has ruled out talks with the opposition -- vowed to punish his opponents. "Opposition politicians who have orchestrated the violence in recent days while hiding in their offices will not escape responsibility," he told a press conference. International criticism of Georgia's handling of the protests has grown, with several Western countries saying Tbilisi had used excessive force. Kobakhidze threatened to punish civil servants who join the protests, after several ambassadors and a deputy foreign minister resigned. "We are closely monitoring everyone's actions, and they will not go without a response," he said. Using Kremlin-style language, Kobakhidze alleged the protest movement was "funded from abroad". He also accused non-government groups -- attacked in a repressive pre-election campaign by authorities -- of being behind the protests. At Tuesday's demonstration, Tsotne, 28, who works in IT, defied the threats of reprisals, saying: "It's a peaceful protest, of course but I guess as an individual, I'm ready to defend my country here." Georgia this year adopted Russian-style legislation designed to restrict the activity of NGOs as well measures that the EU says curb LGBTQ rights. The laws prompted the United States to slap sanctions on Georgian officials. But Kobakhidze said his government hoped that the "US attitudes towards us will change after January 20" -- when Donald Trump takes office. Meanwhile, NATO chief Mark Rutte on Tuesday slammed the situation as "deeply concerning", condemning "unequivocally" the reports of violence. led-jc-am-im/giv

NEW YORK — I’ll get you, my pretty! And your little pygmy hippo, too! Forgive us the shameless attempt to link the fantasy hit “Wicked” to the delightful Moo Deng . But, hear us out — there’s something the two have in common as the year draws to a close. Escapism. Whether we found it on the yellow brick road, or in videos from a Thailand zoo, or perhaps in unlikely Olympic heroes , we gravitated toward fantasy and feel-good pop culture moments this year. There were new trends, as always. “Brat summer” became a thing, as did “demure, mindful.” And for some inexplicable reason, we became obsessed with celebrity lookalike contests. There were breakups — Bennifer is, again, a thing of the past — and reunions: Oasis, please try to stay together for the tour. Yet some things stayed, remarkably, the same: Taylor Swift and Beyoncé kept on breaking records and making history. So, after a year where much changed but some things held steady, here’s our annual, very selective trip down pop culture memory lane: Lily Gladstone poses in the press room Jan. 7 with the award for best performance by an actress in a motion picture, drama for "Killers of the Flower Moon" at the 81st Golden Globe Awards at the Beverly Hilton in Beverly Hills, Calif. January It starts as a cheery tweet from a beloved “Sesame Street” figure: “ ELMO is just checking in! How is everybody doing?” The answers hint at something deeper and more worrisome. “Not great, Elmo. Not great,” says one milder reply. Doing much better is the viral phenomenon called “BARBENHEIMER,” which makes its awards season debut at the GOLDEN GLOBES . But perhaps the most poignant moment comes from neither film: LILY GLADSTONE , first Indigenous winner of best actress in a drama for “Killers of the Flower Moon,” begins her remarks in the language of her tribe, Blackfeet Nation. Kansas City Chiefs tight end Travis Kelce (87) kisses Taylor Swift on Feb. 11 after the Kansas City Chiefs defeated the San Francisco 49ers in overtime during the NFL Super Bowl 58 football game in Las Vegas. February Valentine’s Day — a perfect time to settle into a sweet love saga via TikTok. Only that’s not quite what we get with “Who TF Did I Marry?,” REESA TEESA ’s depressing, fascinating, 50-part account of her disastrous marriage with a man who lied about absolutely everything. Meanwhile, if you're looking for a single week that encapsulates peak SWIFT cultural dominance , try this: she begins with the Grammys in Los Angeles (becoming the first artist to win album of the year four times AND announcing a new album), then heads to Tokyo for four tour dates, then jets back just in time for the Super Bowl in Las Vegas — where she shares a passionate smooch with boyfriend TRAVIS KELCE on the field of victory. Ryan Gosling performs the song "I'm Just Ken" from the movie "Barbie" on March 10 during the Oscars at the Dolby Theatre in Los Angeles. March “What was I made for?” BILLIE EILISH sings at the OSCARS, channeling BARBIE . And what was KEN made for? Not entirely clear — but it's clear RYAN GOSLING was made to play him. His singalong version of “I’m Just Ken” is one of the most entertaining Oscar musical moments in years. Still, Christopher Nolan's “OPPENHEIMER” prevails, a rare case of the top prize going to a blockbuster studio film. Will it happen again in 2025? CYNTHIA ERIVO and ARIANA GRANDE sure hope so; as presenters, they make a sly reference to their upcoming juggernaut, “WICKED.” Speaking of marketing, people are obsessed with that bizarre “DUNE” popcorn bucket. Beyonce And BEYONCÉ carves her space in country music with “Act II: Cowboy Carter,” which will make her the first Black woman to top the Billboard country chart. Taylor Swift performs June 21 at Wembley Stadium in London as part of her Eras Tour. April Tennis, anyone? The game’s been around for centuries, but it’s having a cultural moment right now, helped mightily by “CHALLENGERS,” the sweaty romance triangle starring ZENDAYA, MIKE FAIST and JOSH O'CONNOR (40-love? More like 40-sex.) Elsewhere, a new era dawns: At midnight, SWIFT drops “THE TORTURED POETS DEPARTMENT," then drops another 15 songs two hours later. The fascinating and disturbing “BABY REINDEER,” the story of a struggling comedian’s extended encounter with a stalker, debuts on Netflix. Ben Affleck, left, and Jennifer Lopez arrive Feb. 13 at the premiere of "This Is Me ... Now: A Love Story" at the Dolby Theatre in Los Angeles. May It’s MET GALA time — or as it's known in 2024, another early marketing moment for “WICKED.” ERIVO and GRANDE make fashion waves on the carpet and then musical ones at dinner, with a soulful performance of “When You Believe.” If the “Wicked” tour is in full force, another one stops in its tracks: JENNIFER LOPEZ cancels her summer tour amid reports of both poor ticket sales and trouble in her marriage to BEN AFFLECK . It’s been an eventful year for J.Lo, who's released an album and movie called “THIS IS ME ... NOW" — both reflections on her renewed love with Affleck. June Welcome to BRAT SUMMER ! CHARLI XCX releases her hit “Brat” album , with its lime green cover, and launches a thousand memes. Collins Dictionary defines “brat,” its word of the year, as “characterized by a confident, independent, and hedonistic attitude.” At the celeb-heavy SWIFT shows in London, we see PRINCE WILLIAM shaking it off, which is either charming or cringe, you decide. Even better: KELCE dons a top hat and tux and performs for one night. At another stadium across the pond, METS infielder JOSE IGLESIAS delights the crowd with his cheery number “OMG.” Stephen Nedoroscik is introduced June 29 at the United States Gymnastics Olympic Trials in Minneapolis. July Bonjour, it’s OLYMPICS time! In Paris! An audacious opening ceremony along the Seine is punctuated by a fabulous CELINE DION , perched on the EIFFEL TOWER , singing her heart out — in the rain, too. Controversy swirls over a scene critics feel mocks Leonardo da Vinci’s “The Last Supper” (organizers say it does not). Olympic stars are born — including French swimming superstar LEON MARCHAND , rugby player ILONA MAHER , and bespectacled “Pommel Horse Guy” gymnast STEPHEN NEDOROSCIK , who nets two bronze medals and comparisons to Clark Kent. Baby pigmy hippo Moo Deng plays with a zookeeper Sept. 19 in the Khao Kheow Open Zoo in Chonburi province, Thailand. Also capturing hearts: yep, MOO DENG , born this month. Her name means “bouncy pork.” Australia's Rachael Gunn, known as B-Girl Raygun, competes Aug. 9 during the Round Robin Battle at the breaking competition at La Concorde Urban Park at the 2024 Summer Olympics in Paris, France. August This is them ... now: BENNIFER is no more. After two decades, two engagements and two weddings, J.Lo files for divorce. One union dissolves, another returns: OASIS announces a reunion tour. Everyone seems to want to get in on TikToker JOOLS LEBRON 's “ DEMURE, MINDFUL ” act — even the WHITE HOUSE press team. Back at the Olympics, in the new sport of breaking, we meet Australia’s RAYGUN , arguably neither demure nor mindful with her “kangaroo” move. Los Angeles Dodgers' Shohei Ohtani brings his dog Decoy to the mound Aug. 28 before Decoy delivered the ceremonial first pitch prior to a baseball game between the Dodgers and the Baltimore Orioles in Los Angeles. Cute animal alert: SHOHEI OHTANI ’s perky pooch DECOY does a great “first pitch” in his Major League Baseball debut. Chappell Roan performs "Good Luck, Babe" on Sept. 11 during the MTV Video Music Awards at UBS Arena in Elmont, N.Y. September One of the year’s biggest breakout artists, CHAPPELL ROAN , withdraws from a music festival after speaking out about frightening fan interactions. And more on the price of fame: In an excruciating moment, “Bachelorette” JENN TRAN , the franchise’s first Asian American lead, is forced to sit through a painful viewing of her proposal to her chosen suitor, after tearfully explaining how he’d later dumped her over the phone. Tran is keeping busy though — she’s announced as part of the new “Dancing with the Stars” lineup. Also on the list: rugby player Maher, and Pommel Horse Guy! Also, ANNA SOROKIN , dancing with an ankle monitor. Online fandom, meanwhile, is shaken when X is temporarily suspended in Brazil and celebrity stan accounts post tearful farewells, revealing to many across the globe that their favorite accounts are run by Brazilians. Miles Mitchell, 21, wins of the Timothee Chalamet lookalike contest Oct. 27 near Washington Square Park in New York. October “Dune” Chalamets! “Wonka” Chalamets! Thousands gather in Manhattan for a TIMOTHÉE CHALAMET lookalike contest, and things really get interesting when Chalamet himself shows up. He doesn’t enter the contest, though, and with his mustache, he may not even have won. The trend continues with contests for JEREMY ALLEN WHITE, ZAYN MALIK and — in a very Washington version — Kennedy scion JACK SCHLOSSBERG , who's been gathering a following with some interesting social media posts. New York Liberty Kennedy Burke dances with the mascot, Ellie the Elephant, during an Oct. 24 ceremony after a parade in honor of the Liberty's WNBA basketball championship at City Hall in New York. Turning to basketball, who’s that dancing with USHER ? Why it’s ELLIE THE ELEPHANT , the now-viral NEW YORK LIBERTY mascot. Democratic presidential nominee Vice President Kamala Harris, right, appears Nov. 2 with Maya Rudolph on NBC's "Saturday Night Live" in New York. November MAYA RUDOLPH does a pretty good KAMALA HARRIS laugh on “Saturday Night Live,” but you know who does it better? HARRIS herself. The Democratic candidate makes a surprise cameo three days before the U.S. presidential election, following in the footsteps of HILLARY CLINTON , SARAH PALIN and others. Elsewhere in television, Bravo announces that “VANDERPUMP RULES,” the Emmy-nominated reality show that has lived through countless scandals, is entirely recasting its 12th season — apart from namesake LISA VANDERPUMP . As for MOO DENG , she doesn't have her own TV series yet, but our favorite pygmy hippo is generating plenty of merch . And THAT brings us back to ... Ariana Grande, left, and Cynthia Erivo pose for photographers Nov. 11 prior to the premiere of "Wicked" at Auditorio Nacional in Mexico City. December “WICKED” ! Director JON M. CHU ’s emerald-hued fantasy remains very very popular, to quote one of its buzzy show tunes, dancing through life and defying gravity at the multiplex. Moviegoers also come for “GLADIATOR II” and, in a veritable tidal wave, Disney's “MOANA 2,” which beckons us back to the seas of Oceania. Once again, 2024 seems to be telling us: Give people some whimsy, a place to escape, maybe some catchy tunes — and no one knows how far they’ll go. The stories and images that defined 2024. Searching for something? From queries about U.S. politics to cricket in India, Wikipedia has become a source of information for millions of people across the globe. From the Paris Olympics to the Super Bowl. From Simone Biles to Shohei Ohtani. And, of course, Travis Kelce and Taylor Swift. These are the sp... AP photographers assembled a visual catalog of our civilization as life in 2024 hurtled directly at us at every speed and in every imaginable ... In 2024, photographers captured glimpses of humanity, ranging from a deeply divisive presidential election, to hurricanes and fires that ravag... Associated Press photographers captured voters with raw emotions of joy, excitement, contemplation or sorrow. See entertainment's biggest moments in 2024, through the lens of Associated Press photographers. It beat five other finalists: demure, slop, dynamic pricing, romantasy and lore. News anchors, politicians and other public figures in the U.S. struggled with these words the most this year. Is it any surprise Merriam-Webster's word of the year is "polarization"? Here are the other words that rounded out the top 10 for 2024. 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