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lucky me noodles price The state institutions involved in energy — setting policies, watching over utilities, advocating for ratepayers — are poised to face questions from lawmakers in the legislative session that begins next month. Chief among those questions, and disagreements: Who should be doing what in the state when it comes to energy? The Office of the Consumer Advocate, which works for the interests of residential ratepayers, has some thoughts. It supports legislation to clarify the authority of the Public Utilities Commission, a three-member body with jurisdiction over utilities, and the Department of Energy, a state agency established in 2021. But the OCA has also had to go on the defensive over its own role: Rep. Ross Berry, a Weare Republican, has proposed that the office be repealed and that its mantle instead be taken up by the DOE. Donald Kreis, the state’s consumer advocate, adamantly opposes the move. Meanwhile, PUC Chair Daniel C. Goldner and Commissioner Pradip K. Chattopadhyay have said they are “very concerned about the sweeping nature” of Kreis’ recommendations. Competing visions for the purpose of these offices will face off in a new Legislature with expanded Republican control, with a new Republican governor, Kelly Ayotte, holding the veto pen. Kreis said he expects to be at the Statehouse much more than in years past. While bills are still being drafted and have yet to be released to the public, here’s what’s teeing up for the Legislature when it convenes in the new year. PUC and DOE Kreis supported the creation of the DOE in 2021 but has since had “some buyer’s remorse.” A major issue, he said, is the muddling of which authorities belong to the DOE and which belong to the PUC. “It is expensive and complicated and ultimately bad for ratepayers if it isn’t clear to everybody what the job of the Public Utilities Commission is and what the job of the Department of Energy is,” Kreis said. “And so the bill that I have been working on getting introduced would just clarify everybody’s respective spheres.” Rep. Thomas Cormen, a Lebanon Democrat collaborating with Kreis, is the sponsor of a legislative service request “relative to redefining the role” of the PUC. (A legislative service request is the early stage of potential legislation, when the bill is still being written.) “If you look at many of the current statutes, they loop in the PUC as part of the enforcement mechanism, things that really the Department of Energy should be doing,” Cormen said. “And in fact, a lot of the statutes say the Department of Energy or the PUC can do these things, but really the PUC is an adjudicative board, and that’s all it should be.” Kreis pointed to a recent order from the PUC on net metering. In that decision, net metering was kept at its current rates and is left to expire in 2040. The commissioners “essentially ignored” a settlement agreement reached by parties including the OCA, clean energy advocates, utilities and others, Kreis said. Part of Cormen’s legislation, the lawmaker said, will say that “in the case where all the parties involved in a case before the PUC agree as to what the outcome should be, then the PUC should quickly come to that outcome.” On how explicit that legislation should be — whether it should simply urge the PUC to accept such settlement agreements or mandate it — Kreis said: “I personally think it would be OK to tell the PUC that in a scenario where there’s total unanimous agreement, that the PUC shouldn’t second guess that total unanimous agreement.” But, he added, “I think most people would not go as far as I’m willing to go.” A separate bill request Cormen has filed seeks to clarify the authority of the PUC chair. He said he also worked with Kreis on this idea. On current law, “You could construe it as saying that the chair of the Public Utilities Commission can make rulings and just do a lot of things on their own, rather than by a majority of the commissioners,” said Cormen, who sits on the House Science, Technology, and Energy Committee. “So the whole point of this bill is to just say that any actions taken by the PUC must be approved by a majority of the commissioners.” Kreis raised his legislative ideas in an October memo to the Residential Ratepayers Advisory Board, which the OCA describes as its “official sounding board.” Not all of these ideas will be pursued in the next legislative session and were still in early form in the memo, Kreis indicated. PUC members, in a letter to the advisory board, pointed to suggestions they believed would be a “grave error” to adopt. Goldner and Chattopadhyay, who have since been joined by a third PUC member, said they intended to “advocate vigorously, before the Legislature and elsewhere, to maintain these authorities, and to give a fuller, more accurate, picture of our work to interested stakeholders.” “As the ultimate arbiter between the interests of customers, including residential customers, and the interests of the regulated utilities (RSA 363:17-a), and the adjudicative body responsible for ensuring just, reasonable, and lawful rates for regulated utilities under New Hampshire law,” the commissioners wrote, “we foresee that adoption of these OCA recommendations would result in a profound blow against the public interest.” The commissioners, through a staff attorney, declined to comment further on the matter when reached following the advisory board meeting in October. Christopher J. Ellms Jr., the deputy commissioner of the DOE, said in an email that it “would be premature to comment on the consumer advocate’s suggestions regarding possible legislation,” and that the department “will review bills as they become publicly available and provide any position or testimony during hearings held by the appropriate legislative committee.” Consumer advocate Berry framed his legislation to move the role of the OCA under the DOE as a response to the needs of voters. “They’re screaming for lower energy rates, and I think this is a way to expedite that process,” Berry said. “The idea is to take the mandate that is given to the Office of the Consumer Advocate, which is to obviously lower and prioritize the residential ratepayer and give it to the entire Department of Energy,” Berry said. “So, instead of having five lawyers working on this ... the entire Department of Energy would be tasked with prioritizing the residential ratepayer.” Berry said his idea has been “fairly well-received” in conversations with lawmakers. “I haven’t talked to OCA,” Berry said. “They haven’t deemed fit to reach out to me, and I haven’t really had any real conversations with the DOE other than, like, ‘Hey, I’m filing this.’” Kreis, on the other hand, said Berry “has not done me the courtesy of reaching out and letting me know what it is that he has in mind.” With a new Legislature, Kreis is not sure how much interest the bill will generate — but he said he welcomes “the opportunity to explain to the Legislature what it is that we do and why it’s valuable. ... I’m hopeful that it won’t gain any traction, but it’s hard to say at this stage.” Berry argued that the consumer advocate, like the DOE commissioner, is a political appointee who requires nomination by the governor and confirmation by the Executive Council. “This argument that the [OCA] makes that they’re unbiased is bunk, because they’re both going through a political process,” Berry said. “... Once you kind of accept that as the reality, which it is the reality ... you can it look at and go, ‘OK, well, why don’t we just have the entire Department of Energy prioritize the residential ratepayer, and then you can have the PUC ... be the quote, unquote, neutral arbiter.” (PUC members also go through the confirmation process.) But Kreis feels his role, which he said exists in the vast majority of states, provides advocacy for ratepayers that can’t be replicated by an agency. “If you took what I do, and you just folded it back into the Department of Energy, then ... it’s the equivalent of saying that whatever the executive branch, basically meaning the governor, thinks is the right public policy is automatically good for ratepayers,” Kreis said. “And I don’t think that that is appropriate, even in a state with a fabulous governor, pursuing excellent executive branch public policy, that isn’t the ratepayer voice. That’s the governor’s voice.”In one of the nine intriguing games on the NBA card today, the Oklahoma City Thunder and Charlotte Hornets will square off at Spectrum Center. There is coverage available for all the action in the NBA today, and we have provided the information on how to watch below. Sign up for NBA League Pass to get access to games, live and on-demand, and more for the entire season and offseason. Atlanta Hawks vs. Miami Heat Charlotte Hornets vs. Oklahoma City Thunder Washington Wizards vs. New York Knicks Chicago Bulls vs. Milwaukee Bucks Golden State Warriors vs. Phoenix Suns Denver Nuggets vs. Detroit Pistons Utah Jazz vs. Philadelphia 76ers Portland Trail Blazers vs. Dallas Mavericks Los Angeles Lakers vs. Sacramento Kings Watch ESPN originals, The Last Dance and more NBA content on ESPN+. Use our link to sign up for ESPN+ or the Disney bundle. Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER .WASHINGTON (AP) — President Joe Biden's decision to break his word and pardon his son Hunter has spurred a broader discussion about what else he should be doing with the broad clemency powers of the presidency before he leaves office in January, including whether he should be pardoning Donald Trump. Biden on Tuesday ducked questions about his son, ignoring calls for him to explain his reversal as he was making his first presidential trip to Angola . He dismissed shouted questions about the matter with a laugh during a meeting with Angolan President João Lourenço at the presidential palace, telling the Angolan delegation: “Welcome to America.” Biden was not scheduled to take questions from the press during his trip to Africa, and he has largely avoided interactions with reporters since President-elect Trump’s victory last month. Biden’s decision to offer his son a blanket pardon for actions over the past 11 years has sparked a political uproar in Washington, after the president repeatedly had said he would not use his extraordinary powers for the benefit of his family. Biden claimed that the Justice Department had presided over a “miscarriage of justice” in prosecuting his son, using some of the same language that Trump uses to describe his own legal predicaments. Biden's reversal drew criticism from many Democrats , who are working to calibrate their approach to Trump as he prepares to take over the Oval Office in seven weeks. There is concern the pardon — and Biden's claims that his son was prosecuted for political reasons — will erode their ability to push back on the incoming president’s legal moves. And it has threatened to cloud Biden's legacy as he prepares to leave office on Jan. 20. Hunter Biden is the closest presidential relative ever to be granted clemency, but other leaders have pardoned family members and close friends. Bill Clinton pardoned his brother Roger for drug charges after Roger Clinton had served his sentence. By the time Trump left office after his first term, he had issued 144 pardons, which included Charles Kushner , the father of his son-in law, Jared Kushner. He also pardoned fervent supporters Steve Bannon, Roger Stone, Paul Manafort, Michael Flynn and other people convicted in special counsel Robert Mueller’s Russia investigation. In the months after the 2020 election, Trump and his allies were trying to overturn his loss, a failed effort that culminated in the violent riot by his supporters at the Capitol on Jan. 6, 2021. There were discussions at the time over whether Trump would preemptively pardon some of those involved in the effort — and maybe even himself — before he left office. But that never happened. Now, Democrats are having similar discussions about preemptive pardons on their side because of Trump's rhetoric on the campaign trail. He's made no secret of his desire to seek revenge on those who prosecuted him or crossed him. He talks about "enemies from within." He's circulated social media posts that call for the jailing of Biden, Vice President Kamala Harris, former Vice President Mike Pence and Sens. Mitch McConnell and Chuck Schumer. He's also taken aim at Liz Cheney, a conservative Republican who campaigned for Harris, promoting a social media post that suggested he wanted military tribunals to punish her because she was guilty of treason. Sen. Ed Markey, a Massachusetts Democrat, said last week on Boston Public Radio that Biden might consider broad pardons to protect people against whatever wrath Trump may seek, but also as a way to move the country past this acrimonious and divided time. “I think that without question, Trump is going to try to act in a dictatorial way, in a fascistic way, in a revengeful first year at least of his administration toward individuals who he believes harmed him,” Markey said. Presidents enjoy expansive pardon powers when it comes to federal crimes . That includes granting clemency to people who have not yet been charged, as President Gerald Ford did in 1974 when he pardoned his predecessor, Richard Nixon, over the Watergate scandal. The decision at the time caused an uproar but has been seen in the ensuing decades as a move that helped restore order. Markey cited Ford's pardon as a way for the country “just to close that chapter and move on to a new era.” Biden could do the same, Markey said, to help the country move on “to an agenda that deals with the ordinary families.” Sen. Joe Manchin, the Democrat-turned-independent from West Virginia, took it a step further and suggested Biden should even pardon Trump for his efforts to overturn the 2020 election, federal charges that are now evaporating with Trump's upcoming return to the White House. “Why don't you go ahead and pardon Donald Trump for all his charges?" he said in an interview with CNN. “It would have gone down a lot more balanced. I'm just saying, wipe them out.” At the same time, Democratic lawmakers and criminal justice reformers are pushing Biden to grant pardons to broad groups of Americans. Democrats Ayanna Pressley, Jim Clyburn and Mary Gay Scanlon wrote to Biden on Nov. 20, asking him to use his clemency powers to "address longstanding injustices in our legal system, and set our nation on the path toward ending mass incarceration.” The letter, also signed by 61 others, suggested Biden could use his powers to send a powerful message of criminal justice reform and "rectify unjust and unnecessary criminal laws passed by Congress and draconian sentences given by judges.” “We encourage you to use your clemency powers to help broad classes of people and cases, including the elderly and chronically ill, those on death row, people with unjustified sentencing disparities, and women who were punished for defending themselves against their abusers,” they wrote. So far, Biden has pardoned 25 people. Most presidents tend to grant a flurry of clemency requests at the end of their terms, and it's likely Biden will do the same. White House press secretary Karine Jean-Pierre has said Biden is “thinking through that process very thoroughly.” Weissert reported from Luanda, Angola.

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Heat president Pat Riley shuts down Jimmy Butler trade rumors, addressing 'distraction' head onJoe Biden's pardon of his son Hunter spurs broader discussion on who else should be granted clemency

BRUNSWICK, Georgia (AP) — A car similar to one driven by a wealthy New York couple missing for more than four decades has been found in a south Georgia pond near the hotel where they were last seen, police in Georgia said. Retired oil executive Charles Romer, 73, and his wife Catherine, 75, vanished with their 1978 Lincoln in the spring of 1980. The Scarsdale, New York, couple were returning home from Miami Beach, Florida, and checked into a Holiday Inn in Brunswick, Georgia. Hotel employees were concerned that their bed had not been slept in and reported them missing. On Friday, a team from Florida that uses sonar to find missing objects discovered a vehicle submerged in a pond near Interstate 95 that matched the description of the Romers' vehicle, Glynn County police said. A human bone was also found inside the vehicle, they said. The pond is being drained, and the Georgia Bureau of Investigation is assisting in the investigation. “At this time there is no conclusion about the identity of the remains that were found,” police said in a statement. The statement did not speculate on what might have happened to the Romers, but at the time of their disappearance, law officers expressed concerns about foul play. Catherine Romer was wearing about $81,000 worth of jewelry at the time, and police said one theory was that thieves burglarized their motel room, The Associated Press reported previously. “We all felt with our experience that these people had been kidnapped and killed for her jewelry, and the vehicle and the bodies were hidden in the water,” rescue diver George Baker, who searched for the car over the years, told the AP in 1998.Kroger and Albertsons' plan for the largest U.S. supermarket merger in history crumbled Wednesday, with Albertsons pulling out of the $24.6 billion deal and the two companies accusing each other of not doing enough to push their proposed alliance through. Albertsons said it had filed a lawsuit against Kroger, seeking a $600 million termination fee as well as billions of dollars in legal fees and lost shareholder value. Kroger said the claims were “baseless” and that Albertsons was not entitled to the fee. “After reviewing options, the company determined it is no longer in its best interests to pursue the merger,” Kroger said in a statement Wednesday. The bitter breakup came the day after two judges halted the proposed merger in separate court cases. U.S. District Court Judge Adrienne Nelson in Oregon issued a preliminary injunction Tuesday blocking the merger until an in-house judge at the Federal Trade Commission could consider the matter. An hour later, Superior Court Judge Marshall Ferguson in Seattle issued a permanent injunction barring the merger . Ferguson ruled that combining Albertsons and Kroger would lessen competition and violate consumer-protection laws. The companies could have appealed the rulings or proceeded to the in-house FTC hearings. Albertsons' decision to pull out of deal instead surprised some industry experts. “I’m in a state of professional and commercial shock that they would take this scorched earth approach,” said Burt Flickinger, a longtime analyst and owner of retail consulting firm Strategic Resource Group. “The logical thing would have been for Albertsons to let the decision sink in for a day and then meet and see what could be done. But the lawsuit seems to make that a moot issue.” Albertsons is unlikely to find another merger partner because it has significant debt and underperforming stores in most of its markets., Flickinger said. Consumers will feel the most immediate impact of the deal's demise, he said, since Albertsons charges 12% to 14% more than Kroger and other grocery rivals. “They had so much debt they had to pay it off it's reflected in their pricing and promotional structure,” Flickinger said. Albertsons CEO Vivek Sankaran testified during the federal hearing in September that his company might consider “structural options” like laying off employees, closing stores and exiting certain markets if the merger with Kroger didn’t go through. “I would have to consider that,” he said. “It’s a dramatically different picture with the merger than without it.” But in a statement Wednesday, Sankaran said Albertsons would “start this next chapter in strong financial condition with a track record of positive business performance." In the company's most recent quarter, Albertsons' revenue rose 1% to $18.5 billion and it reported $7.9 billion in debt. Kroger said it would also move forward in a strong financial position, with revenue down slightly to $33.6 billion in its most recent quarter. The company announced a $7.5 billion share buyback program Wednesday after a two-year pause. Kroger and Albertsons first proposed the merger in 2022 . They argued that combining would help them better compete with big retailers like Walmart, Costco and Amazon, which are gaining an increasing share of U.S. grocery sales. Together, Kroger and Albertsons would control around 13% of the U.S. grocery market. Walmart controls around 22%. Under the merger agreement, Kroger and Albertsons — who compete in 22 states — agreed to sell 579 stores in places where their locations overlap to C&S Wholesale Grocers , a New Hampshire-based supplier to independent supermarkets that also owns the Grand Union and Piggly Wiggly store brands. But the Federal Trade Commission and two states — Washington and Colorado — sued to block the merger earlier this year, saying it would raise prices and lower workers' wages by eliminating competition. It also said the divestiture plan was inadequate and that C&S was ill-equipped to take on so many stores. On Wednesday, Albertsons said that Kroger failed to exercise “best efforts” and to take “any and all actions” to secure regulatory approval of the companies’ agreed merger transaction. Albertsons said Kroger refused to divest the assets necessary for antitrust approval, ignored regulators' feedback and rejected divestiture buyers that would have been stronger than C&S. “Kroger’s self-serving conduct, taken at the expense of Albertsons and the agreed transaction, has harmed Albertsons’ shareholders, associates and consumers,” said Tom Moriarty, Albertsons’ general counsel, in a statement. Kroger said that it disagrees with Albertsons “in the strongest possible terms.” It said early Wednesday that Albertsons was responsible for “repeated intentional material breaches and interference throughout the merger process.” Kroger , based in Cincinnati, Ohio, operates 2,800 stores in 35 states, including brands like Ralphs, Smith’s and Harris Teeter. Albertsons , based in Boise, Idaho, operates 2,273 stores in 34 states, including brands like Safeway, Jewel Osco and Shaw’s. Together, the companies employ around 710,000 people. Kroger sued the FTC in August in federal court in Ohio, claiming that the federal agency’s in-house administrative hearings were unlawful because the FTC was also able to challenge the merger in federal court in Oregon. In paperwork filed Wednesday, the FTC said it expected to update the court on its next steps in that case by Dec. 17. In Colorado, which also sued to block the merger, Attorney General Phil Weiser said Tuesday that he still was awaiting a decision from a state judge. In that case, Colorado also was challenging an allegedly illegal no-poach agreement Kroger and Albertsons made during a 2022 strike. Shares of Albertsons fell 1.5% Wednesday, while Kroger's stock was up 1%.

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By Kimberly Palmer, NerdWallet The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 financial goals : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling savings accounts so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your credit score , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to save more money , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. Related Articles Business | 7 tips to prepare for next year’s taxes now Business | Why car insurance prices are rising so much even though inflation is cooling Business | Buying a house in 2025: your how-to guide Business | Travel scams that can hurt your credit or finances Business | For some FSA dollars, it’s use it or lose it at year’s end “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even budget together side-by-side . “It’s a fun excuse to meet up with a friend.” Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article The Secret to Making Successful Financial New Year’s Resolutions originally appeared on NerdWallet .The 13 office buildings in Richmond, B.C.’s Airport Executive Park – a business park located on 35 acres of green space – date back to a time when climate change and carbon footprints weren’t part of mainstream discussions and long-term environmental control programs. But as more companies set climate and sustainability targets, many are actively working toward reducing greenhouse-gas (GHG) emissions within their operations and supply chains. Fiera Real Estate Canada – the current owner of Richmond’s Airport Executive Park (AEP) – is aiming to achieve net-zero emissions by 2040, partly through the installation of electric heat pumps that will replace its gas-fired heating systems, which date back to the 1980s and early 2000s. The company’s net-zero ambitions are emblematic of the significant commitments national building owners are making that will help Canada reach its target of net-zero building emissions by 2050. And while 25 years from today may seem like a long time, experts warn Canada isn’t making progress fast enough to achieve its goal. The clock began ticking in 2021 when the federal government adopted the Canadian Net-Zero Emissions Accountability Act , aiming for net-zero emissions by 2050, with an interim target of GHG reductions hitting at least 40 per cent below 2005 levels by 2030. Released this year, the Canada Green Buildings Strategy says there are more than 564,000 commercial and institutional buildings across the country, and because the majority are expected to still be in use in 2050, most will require extensive upgrades and retrofitting to reach Canada’s net-zero goal. “It’s hard to see how we’re going to achieve the interim standards for the building sector by 2030, and if we don’t reach them, the climb to 2050 is going to be a lot harder,” says Thomas Mueller, president and chief executive officer of the Canada Green Building Council (CAGBC), which supports the building industry’s transition to green structures and sets national standards for zero-carbon buildings. Updated in July, the council’s Zero Carbon Building standards focus on maintaining high energy efficiency in new buildings and reducing carbon emissions in older structures by replacing fossil-fuel-burning equipment. It estimates that Canada needs to convert at least 3 per cent of its buildings to net-zero emissions a year and invest billions in making buildings greener. A recent study from CAGBC and the Delphi Group – a Canadian climate and sustainability consultancy – identifies the most-needed upgrades in buildings to be LED lighting, triple-glazed windows, roof insulation, high-efficiency ventilation systems, as well as computer control systems that reduce heating and cooling when rooms are not in use. These upgrades require major structural changes and are why most building owners are conducting feasibility studies and putting refits into their 10-year plans, says Tonya Lagrasta, vice-president and head of ESG at commercial real estate services company Colliers Canada. However, she says: “The price tags for things like window replacements can have owners of older buildings falling off their chairs.” The Pembina Institute, a clean-energy think tank, estimates that decarbonizing Canada’s commercial and residential building sector will require more than $400-billion in upgrades. It also concludes that more incentives must be put in place. Since grants are often difficult for governments to finance and administer, tax credits to stimulate investment are more practical, says Mr. Mueller. However, a challenge is that several provinces and cities have building codes that include specifications that vary from the federal standards. “It is a real hodgepodge of standards across the country and that is contributing to confusion,” says Terry Bergen, Victoria-based managing principal of RJC Engineers, a building science consultancy. For retrofits, there is also a misconception that high efficiency comes with higher operating costs. But recently, a lot of studies have been released that demonstrate a high return on investment by making these changes, says Duncan Rowe, a Toronto-based principal with RJC Engineers. At the same time, Mr. Rowe acknowledges that it’s not economical or ecologically practical to speed up the replacement of nearly-new equipment just to meet a standard. In other words, upgrades should be aligned with the life cycle of equipment. In the case of Airport Executive Park, the heating systems were several decades old and in need of replacement. While the newly installed systems are less than a year old, the expectation is that annual energy cost savings for all the property’s buildings will be as much as 50 per cent. In the long term, achieving net-zero emissions by 2050 is an interim step toward a goal of being fully net-zero energy – producing as much clean energy as consumed with on-site clean and renewable sources, such as solar, wind or geothermal, Ms. Lagrasta says. Net-zero energy is achievable because technology is advancing, says Mr. Rowe. For instance, solar technology is becoming affordable and can be efficient at powering some buildings, but it needs the right conditions. If a building owner has a large roof area, solar is a practical solution, though it won’t be sufficient for an office tower with a small roof. However, there are also developments in photovoltaic glass that can turn windows into power sources, Mr. Rowe says. Ultimately, economics – not politics – will persuade building owners to invest in green technology, Ms. Lagrasta says. A study by Colliers found tenants are willing to pay a premium of an average of 8 per cent to be in a building with a high sustainability rating. “Building owners value their assets and political winds come and go. But it will become harder to attract and retain tenants in an older building that is falling behind the curve,” Ms. Lagrasta says.

SAN FRANCISCO--(BUSINESS WIRE)--Dec 3, 2024-- Affirm Holdings, Inc. (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced that Rob O’Hare, CFO of Affirm, will participate in a shareholder fireside chat on December 13, 2024. The event will be moderated by Bryan Keane from Deutsche Bank and will begin at 11:00 AM Eastern Time. The event will be webcast live on the Company’s investor relations website at https://investors.affirm.com , and management will address a selection of the top questions from retail and institutional shareholders relating to Affirm’s strategy, products, business model, and financial results. Affirm will be using Say Technologies to enable verified shareholders to submit and upvote questions. All Affirm shareholders can submit questions by visiting: https://app.saytechnologies.com/affirm-cfo-fireside-chat-dec-2024 . The Q&A platform opens at 4:00 PM Eastern Time on December 3, 2024, and will close on December 12, 2024, at 8:00 AM Eastern Time. About Affirm Affirm’s mission is to deliver honest financial products that improve lives. By building a new kind of payment network – one based on trust, transparency and putting people first – we empower millions of consumers to spend and save responsibly, and give thousands of businesses the tools to fuel growth. Unlike most credit cards and other pay-over-time options, we show consumers exactly what they will pay up front and never charge any late or hidden fees. Follow Affirm on social media: LinkedIn | Instagram | Facebook | X . AFRM-F View source version on businesswire.com : https://www.businesswire.com/news/home/20241203379798/en/ CONTACT: Investor Relations ir@affirm.com Media press@affirm.com KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: PROFESSIONAL SERVICES PAYMENTS COMMUNICATIONS OTHER PROFESSIONAL SERVICES TECHNOLOGY FINANCE PUBLIC RELATIONS/INVESTOR RELATIONS SOURCE: Affirm Holdings, Inc. Copyright Business Wire 2024. PUB: 12/03/2024 04:00 PM/DISC: 12/03/2024 03:58 PM http://www.businesswire.com/news/home/20241203379798/enDespite the uncertainty surrounding the immediate future of the U.S. offshore wind industry after the re-election of Donald Trump , industry participants including the Bureau of Ocean Energy Management (“ BOEM ”) are cautiously moving forward with development activities. On November 14, 2024, BOEM published the “ California Draft Programmatic Environmental Impact Statement ” (the “ PEIS ”) with respect to the five lease areas off the coast of California previously auctioned by BOEM in December, 2022. The PEIS process analyzes the potential impact that offshore wind projects will have on the environment, industries and local communities and discusses measures to avoid, mitigate and monitor such impacts. It is anticipated that BOEM will condition its approval of any Construction and Operation Plans (“ COP ”) submitted by leaseholders on how any such potential negative impacts are addressed and mitigated by applicants. The publication of the draft PEIS commenced a 90-day public comment period ending on February 12, 2025, during which interested stakeholders may submit comments or questions through the Federal Register (Docket: BOEM-2023-0061) for BOEM to consider when issuing the final PEIS later in 2025. In addition to the comment period, BOEM will also hold two public meetings on January 28 and 30, 2025. Registration information for those meetings will be posted to BOEM’s website when available. The PEIS process bears similarities to the process undertaken to study the lease areas auctioned in the New York Bight lease area in February, 2022. There, as in the PEIS, BOEM elected to begin with a regional analysis due to geographical proximity of lease areas and BOEM’s expectations of receiving COPs for all Bight lease areas within similar timeframes. Due to the similarities in the processes, interested parties can look to the final PEIS recently published for the Bight lease areas , and specifically Appendix P thereof, for guidance and for examples of how BOEM incorporates and responds to comments from government agencies, businesses, community or Tribal organizations and individuals. While there has been deployment of floating technologies on a more limited scale in the North Sea, in Asia and off the coast of Portugal, the projects built in the California lease areas are anticipated to be the first off the Pacific Coast of the United States. They are likely to precede development and deployment of scheduled projects in other areas of the U.S., including the Gulf of Maine, as well. Given the challenging marine environment of the Pacific Coast, the novel technology to be deployed, and the limited precedent for similar projects in the U.S., interested parties will have a significant opportunity to shape the conditions for the construction and operation of future projects located off the Pacific Coast and the provisions of the final PEIS. Stay tuned for additional analysis on the US offshore wind space. For analysis on other aspects of the California auction and offshore wind on the west coast, visit our past posts on auction rules , multi-factor bidding , potential factors impacting bidder behavior , permitting issues and the results of said auction . Joshua Sturtevant also contributed to this article. Listen to this postStreaming Analytics Market Future Growth, Scope, Size, Share, Advance Technology, Growing Trends, Demand And Forecast - 2029 12-11-2024 10:32 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: ABNewswire IBM (US), Microsoft (US), Google (US), AWS (US), SAS Institute (US), SAP (Germany), Cloudera (US), Teradata (US), TIBCO (US), Software AG (Germany), Informatica (US), Intel (US), HPE (US), Adobe (US), Altair (US), Mphasis (India), Striim (US), Conviva (US Streaming Analytics Market by Technology (Real-time Data Processing, Complex Event Processing, Data Visualization & Reporting, Event Stream Processing), Application (Fraud Detection, Predictive Asset Management, Risk Management) - Global Forecast to 2029. The streaming analytics market [ https://www.marketsandmarkets.com/Market-Reports/streaming-analytics-market-64196229.html?utm_campaign=streaminganalyticsmarket&utm_source=abnewswire.com&utm_medium=paidpr ] is projected to expand from USD 29.53 billion in 2024 to USD 125.85 billion by 2029, reflecting a compound annual growth rate (CAGR) of 33.6% during the forecast period. Streaming analytics refers to the real-time processing and analysis of data as it flows continuously from various sources. This involves leveraging advanced technologies and platforms to derive actionable insights and make swift data-driven decisions. The market's rapid growth is driven by its capability to process data quickly and support instant decision-making. Key factors fueling this expansion include the rising demand for real-time insights, advancements in data processing technologies, and the increasing adoption of cloud-based solutions. Businesses are increasingly adopting streaming analytics tools to maintain a competitive edge and deliver innovative solutions in an ever-evolving data landscape. Download PDF Brochure@ https://www.marketsandmarkets.com/pdfdownloadNew.asp?id=64196229 [ https://www.marketsandmarkets.com/pdfdownloadNew.asp?id=64196229&utm_campaign=streaminganalyticsmarket&utm_source=abnewswire.com&utm_medium=paidpr ] Additionally, the increase in cloud-based solutions is speeding up the integration of streaming analytics in business, enabling the management of large data sets with flexibility and scalability. The increase in data generated by IoT devices has made it crucial to utilize real-time analytics to stay competitive. The significance of streaming analytics is emphasized in the changing landscape for organizations looking to make the most of data. By offering, the services segment to account for higher CAGR during the forecast period The services segment in the streaming analytics market witnessed significant growth due to the rising adoption of real-time data processing by businesses. This increase is driven by the requirement for ongoing assistance, and specialist advice to enhance streaming analytics solutions and guarantee seamless performance. As organizations rely more on real-time data for making decisions, they require ongoing assistance to enhance the effectiveness of their analytics tools. This includes helping with implementation, system integration, performance optimization, and issue resolution. The growing demand for specialized services in response to the increasing complexity of data environments and the need for real-time insights is driving their rapid market expansion. By application segment, fraud detection is expected to hold the largest market share during the forecast period During the forecast period, fraud detection is expected to register the largest market share in the streaming analytics market. The ability of streaming analytics in processing and monitoring data in real time is fueled its dominance, as it is crucial for identifying and stopping fraudulent activities as it happen. Due to the growing digital transactions and more intricate fraud schemes, companies across various industries are utilizing advanced streaming analytics solutions to identify anomalies and safeguard financial transactions. As identifying fraud becomes more complex, the need for streaming analytics will play a key role in effectively identifying and stopping fraud. By Vertical, healthcare & life sciences are projected to grow at the highest CAGR during the forecast period The emergence of streaming analytics in the healthcare & life sciences industry has been groundbreaking, especially in improving patient care and operational effectiveness. The growing integration of IoT devices and streaming analytics enables healthcare providers to examine real-time data from medical devices. Streaming analytics solutions also help healthcare and life sciences industries by improving predictive care and encouraging proactive treatment approaches. Healthcare systems are capable of monitoring crucial indicators and notifying healthcare providers of any problems that are identified, triggering rapid clinical response. As healthcare data continues to grow, the use of streaming analytics will be crucial in enhancing services and developing personalized care options. Asia Pacific is expected to grow at the highest CAGR during the forecast period The Asia Pacific region is expected to see rapid growth in the streaming analytics market during the forecast period. The region's swift digital evolution and growing use of technologies such as IoT and big data analytics are fueling the growth of the streaming analytics market. Countries in this region are making substantial investments in infrastructure and technological advancements which leads to an increasing need for real-time data processing and analytics solutions. Also, the increasing number of startups and the growth of sectors such as manufacturing, BFSI, and retail & ecommerce are fueling the growth of the streaming analytics market across the region. Request Sample Pages@ https://www.marketsandmarkets.com/requestsampleNew.asp?id=64196229 [ https://www.marketsandmarkets.com/requestsampleNew.asp?id=64196229&utm_campaign=streaminganalyticsmarket&utm_source=abnewswire.com&utm_medium=paidpr ] Unique Features in the Streaming Analytics Market One of the defining features of streaming analytics is its ability to process data in real-time as it flows continuously from multiple sources. Unlike traditional batch processing, this enables instant analysis and response, making it ideal for applications requiring quick decision-making, such as fraud detection, predictive maintenance, and customer behavior tracking. Streaming analytics platforms are designed to scale efficiently with increasing data volumes. Their cloud-native architectures often allow for seamless integration with various data sources and platforms, ensuring flexibility in adapting to diverse business needs and data environments. These solutions often incorporate sophisticated analytics techniques, including machine learning and artificial intelligence, to extract deeper insights. This capability supports predictive and prescriptive analytics, allowing organizations to anticipate trends and automate decision-making processes. The market supports a wide range of data formats and sources, including IoT devices, social media, transactional data, and sensor networks. This versatility makes streaming analytics applicable across industries such as healthcare, finance, manufacturing, and retail. Streaming analytics is optimized for minimal latency, ensuring that data processing, analysis, and visualization occur within milliseconds. This low-latency capability is critical for applications like algorithmic trading and real-time monitoring. With the growing adoption of cloud technology, streaming analytics solutions frequently offer cloud-based or hybrid deployment models. These provide enhanced accessibility, cost-efficiency, and the ability to leverage distributed computing for handling large-scale data streams. Major Highlights of the Streaming Analytics Market Businesses are increasingly prioritizing real-time insights to make swift, data-driven decisions. Streaming analytics enables organizations to process and analyze data as it is generated, enhancing their ability to respond proactively to emerging opportunities or challenges. The incorporation of machine learning (ML), artificial intelligence (AI), and predictive analytics within streaming platforms is revolutionizing the market. These technologies allow for automated decision-making and deeper insights, significantly improving operational efficiency and customer experiences. Streaming analytics is finding applications across various sectors, including finance, healthcare, retail, manufacturing, and telecommunications. Its ability to analyze data from IoT devices, social media, and transactional systems makes it a versatile tool for different business needs. The increasing use of cloud computing is a key factor driving the adoption of streaming analytics. Cloud-based solutions offer scalability, flexibility, and cost-effectiveness, making them accessible to businesses of all sizes while enabling seamless integration with other enterprise systems. Organizations are leveraging streaming analytics to improve decision-making processes by enabling instant data analysis. This is particularly valuable for applications like fraud detection, predictive maintenance, and real-time customer engagement. Inquire Before Buying@ https://www.marketsandmarkets.com/Enquiry_Before_BuyingNew.asp?id=64196229 [ https://www.marketsandmarkets.com/Enquiry_Before_BuyingNew.asp?id=64196229&utm_campaign=streaminganalyticsmarket&utm_source=abnewswire.com&utm_medium=paidpr ] Top Companies in the Streaming Analytics Market Key players operating in the streaming analytics market across the globe are IBM (US), Microsoft (US), Google (US), AWS (US), SAS Institute (US), SAP (Germany), Cloudera (US), Teradata (US), TIBCO (US), Software AG (Germany), Informatica (US), Intel (US), HPE (US), Adobe (US), Altair (US), Mphasis (India), Striim (US), Conviva (US), INETCO (Canada), WSO2 (US), Iguazio (Israel), Materialize (US), StarTree (US), Crosser (Sweden), Quix (UK), Lenses.io (UK), BangDB (India), Imply (US), Coralogix (Israel), Ververica (Germany), KX (US), Confluent (US), Estuary (US), Fivetran (US), Hazelcast (US), DataStax (US), Solace (Canada), Databricks (US), GridGain Systems (US). These companies employ various organic and inorganic approaches, including introducing new products, forming strategic partnerships and collaborations, and engaging in mergers and acquisitions to expand their presence and offerings within the streaming analytics market. Microsoft, a well-known international technology business that was founded in 1975 provides a wide range of products including cloud services software and hardware. With its main office in Redmond, Washington the business has operations in more than 190 nations. Microsoft Office Azure cloud computing platform and Windows operating system are some of its flagship products. Microsoft's strategic priorities include AI cloud computing and productivity tools. The business caters to both enterprise and consumer markets. Microsoft offers robust streaming analytics solutions through its Azure cloud platform. Azure Stream Analytics is a real-time data processing service designed to analyze and visualize data streams from various sources, such as IoT devices, social media, and application logs. Azure Stream Analytics supports complex event processing and can handle large volumes of data with low latency. It is widely used across industries for monitoring, real-time decision-making, and operational intelligence. Google, an Alphabet Inc. subsidiary has its headquarters located in Mountain View, California is a major player in the global technology and internet services industry. Google has had a great influence on the streaming analytics market due to its diverse range of tools and services. Google Cloud Platform provides strong options for handling and examining live data streams that helps organizations in efficiently handling large amounts of data. Thus, businesses can gain instant information, make quick decisions, and respond rapidly to changing conditions. Google's infrastructure ensures that organizations of all sizes can easily make use of real-time analytics with the ability to grow and depend on it. Google is helping companies predict trends and promote innovation by using machine learning and advanced analytics, instead of only reacting to data. AWS is a key player in the streaming analytics market, providing a variety of tools specifically built for managing real-time data processing on a large scale. AWS allows businesses to intake, handle, and examine data streams from different sources quickly using services such as Amazon Kinesis. These services are crucial in various applications such as real-time monitoring, fraud detection, supply chain management, and IoT data processing. Businesses can effectively obtain important data by leveraging AWS's flexible infrastructure and varied analytics ecosystem, which also provides compatibility with AI/ML tools. AWS helps various businesses by enabling them to utilize real-time data for decision-making. AWS stands out in the streaming analytics market for its emphasis on innovation, security, and worldwide reach. This opportunity has enabled AWS to become a key player, offering enhanced operational efficiency and a competitive advantage to worldwide customers. Media Contact Company Name: MarketsandMarkets Trademark Research Private Ltd. Contact Person: Mr. Rohan Salgarkar Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=streaming-analytics-market-future-growth-scope-size-share-advance-technology-growing-trends-demand-and-forecast-2029 ] Phone: 18886006441 Address:1615 South Congress Ave. Suite 103, Delray Beach, FL 33445 City: Florida State: Florida Country: United States Website: https://www.marketsandmarkets.com/Market-Reports/streaming-analytics-market-64196229.html This release was published on openPR.

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