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Commerce and industry minister Piyush Goyal Friday called for a complete integration of industry stakeholders with government platforms to improve efficiency of the logistics sector. At the ULIP Logistics Hackathon 2.0, he asked industry to focus on green logistics by following sustainable and green practices to cut carbon footprint in the sector. "We have to adopt technology like electric mobility, biofuels, multimodal transport options to bring down overall carbon impact and make sustainability the core of our thinking," Goyal said. Emphasising on skill development, Goyal called for collaborations with institutions to train and build a future-ready workforce. He added that by using artificial intelligence and data analytics, "we can make sure there is no time and cost overrun". Nominations for ET MSME Awards are now open. The last day to apply is December 15, 2024. Click here to submit your entry for any one or more of the 22 categories and stand a chance to win a prestigious award. (You can now subscribe to our Economic Times WhatsApp channel )SHARPSVILLE — Artificial Intelligence, or AI, isn’t necessarily new — although it is “newer” for school districts, Sharpsville school Superintendent John Vannoy said. To that end, the Sharpsville school board recently adopted a new policy to guide the use of generative AI in education. “It’s pretty hard not to use it. Even when you’re googling stuff, you’re using an AI,” Vannoy said. “It’s something that we’re starting to use, so this policy just gives us some parameters on the usage of AI.” The policy underwent its second reading at the Sharpsville school board’s latest meeting on Dec. 3. It was unanimously approved by the board members present. According to the policy, generative artificial intelligence is defined as “an advanced subset of AI that is capable of generating new content from learned data and pattern recognition across various mediums such as text, code, images, audio and video data.” The policy includes measures such as “only district-authorized Generative AI tools and resources may be used on district computers and in district schools and programs,” the policy states. Vannoy said generative AI has “tons” of educational opportunities, and while the policy isn’t expected to change how AI is currently used in the district, school officials thought it would be a good idea to have a policy in place moving forward. Technology in some form or another is already present in much of the district’s curriculum, such as the district’s one-to-one technology initiative or the use of Woz ED projects, which allows for programming robots or the use of augmented reality/virtual reality programs. “For the students, it’s native to them because they’ve grown up with all these technological innovations,” Vannoy said. “They usually pick up on it faster than we do.” Like David L. Dye on Facebook or email him at .Capital One and Discover expect to close on their merger early next year. The merger, first announced in February , would bring together two financial institutions that have distinguished themselves in part by targeting consumers whose credit falls below prime levels . Credit scores from 660 to 719 are considered prime. The merger is still awaiting approval from government regulators, but the odds that it goes through seem higher following the November election of former President Donald Trump. After the election, Discover and Capital One shares rose dramatically. That rise reflects increased confidence in merger approval, Barron's reported . Some Democrats and consumer advocates have opposed the merger, arguing that it will reduce competition and harm consumers. Other experts see more promise in the combination, which could lead Capital One to offer rewards debit cards and enhance fraud protection. If you're a customer of either financial institution (or you're considering becoming one), you should keep an eye on credit card costs, debit card rewards and possible payment network changes in the wake of the merger. Here are some parts of the merger discussion with tangible implications for consumers. After the merger, Capital One would account for a larger portion of the credit card market. That boost in power, particularly among consumers with lower credit scores, has led some to ask whether the new entity would be able to unfairly raise interest rates. Consumers should always be aware of the rates and fees on their credit card accounts. But increasing costs may not be in Capital One's best interests. By doing so, it would risk its current edge with nonprime customers. "If Discover and Capital One then kind of ruin (their) position in that market by raising prices, then you can expect other kinds of banks to try to enter in that market," says Lulu Wang, an assistant professor in finance at Northwestern University's Kellogg School of Management. Raising rates could also be unattractive to Capital One because it could lead to a riskier customer profile. "The risk is then you raise interest rates, then only the people who are really desperate and likely to default are going to stick with you," Wang says. "The good borrowers who could do otherwise might go somewhere else." As it stands, rewards debit cards are uncommon. Many issuers stopped offering them following the Durbin Amendment, a part of the 2010 Dodd-Frank Act that caps debit card interchange fees (also known as swipe fees). Discover is excluded from this legal mandate when it acts as both a card issuer and a card network – meaning that it issues cards, manages accounts and provides the technology to process transactions. In short, unlike Capital One, Discover doesn't use Visa or Mastercard to make transactions possible. Unlike other issuers, Discover does offer a rewards debit card. Capital One intends to run its debit cards over the Discover network following the merger. This could come with an expansion in rewards offerings. As mentioned, Capital One plans to transition its debit cards to the Discover network after the merger. It also plans on moving some of its "credit portfolios" to Discover's network, according to a February investor presentation . If you're a Capital One cardholder, this may not be welcome news. Capital One stands out for charging no foreign transaction fees on any of its cards and offering cards that run on either the Mastercard or Visa network, each of which is widely accepted internationally. Discover doesn't charge foreign transaction fees either, but the Discover network isn't as widely accepted outside the United States. If you typically use your Capital One card abroad, you'll want to keep an eye on this in case you need to have a backup payment method available. Even if regulators approve the merger, changes won't happen overnight. If you're considering opening an account with either Capital One or Discover now, before the merger proceeds, you can feel comfortable doing so. "I’m sure that through the merger process, they'll integrate the customers of both organizations in an effective manner," says Julian Morris, senior scholar at the International Center for Law & Economics, or ICLE, which published a white paper on the merger in July. When and if the merger goes through, other things consumers can look out for include:
S&P/TSX composite down Monday, U.S. markets also move lower TORONTO — Canada's main stock index moved lower Monday, led by losses in technology and utilities stocks, while U.S. stock markets were also down. The S&P/TSX composite index closed down 66.38 points at 25,625.42. Rosa Saba, The Canadian Press Dec 9, 2024 1:56 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Listen to this article 00:01:35 TORONTO — Canada's main stock index moved lower Monday, led by losses in technology and utilities stocks, while U.S. stock markets were also down. The S&P/TSX composite index closed down 66.38 points at 25,625.42. In New York, the Dow Jones industrial average was down 240.59 points at 44,401.93. The S&P 500 index was down 37.42 points at 6,052.85, while the Nasdaq composite was down 123.08 points at 19,736.69. “It started pretty positive in the morning. It's just been slowly, slowly grinding down ever since,” said Michael Currie, senior investment adviser at TD Wealth. Some of the market direction Monday was driven by two separate news stories out of China, he said. “The (Chinese) central bank says they're starting to buy gold again, and they're looking to loosen their monetary policy a bit. So that helped oil a lot, helped gold a lot,” said Currie. China also said it’s investigating semiconductor giant Nvidia over suspected violations of anti-monopoly laws, which sent the company’s stock lower. Nvidia’s share price was down 2.6 per cent Monday at US$138.81. Otherwise, “it’s all about interest rates today,” said Currie. In the U.S., investors are awaiting the latest update on inflation later in the week. However, given that the slowing job market is more of a concern for the U.S. Federal Reserve at this point, the data is unlikely to change what investors currently expect from the Fed next week, said Currie: a quarter-percentage-point cut. “Unless there's something really crazy out of the inflation numbers, there’s no reason to expect anything different is going to happen next week,” he said. In Canada, where the central bank is gearing up for a rate decision Wednesday, a larger half-point cut is more likely, he said. Expectations for a bigger cut rose after last week’s jobs report, which saw the unemployment rate jump to 6.8 per cent in November. “The more we're cutting rates, especially the accelerated rate compared to the States, the more that just keeps beating up our dollar,” said Currie. He expects more buzz in the coming months about the divergence between interest rates in Canada and the U.S. as the loonie continues to weaken. “We're seeing it already, and as the gap gets bigger, it'll become more of a story.” However, Currie noted the TSX briefly touched an all-time high earlier in the day. “Basically since the US election, it's just been a non-stop rally,” he said. The Canadian dollar traded for 70.77 cents US compared with 70.74 cents US on Friday. The January crude oil contract was up US$1.17 at US$68.37 per barrel and the January natural gas contract was up 11 cents at US$3.18 per mmBTU. The February gold contract was up US$26.20 at US$2,685.80 an ounce and the March copper contract was up eight cents at US$4.28 a pound. — With files from The Associated Press This report by The Canadian Press was first published Dec. 9, 2024. Companies in this story: (TSX:GSPTSE, TSX:CADUSD) Rosa Saba, The Canadian Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message More National Business Man in custody had a gun, mask and writings tying him to killing of UnitedHealthcare CEO, police say Dec 9, 2024 2:00 PM 'Infuriating': Wait times grow amid Canada Post strike as backlogs, frustration mount Dec 9, 2024 1:55 PM Stock market today: Nvidia drags Wall Street lower as oil and gold rise Dec 9, 2024 1:05 PM Featured FlyerTrump goes quiet about how he will separate his presidency from his businesses
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Monroe Capital Corporation Announces Fourth Quarter Distribution of $0.25 Per SharePresident-elect Donald Trump has promised to bring down prices on groceries, rent and other basic necessities of life. U.S. presidents don’t typically have direct control over how much any of those things cost, but their policies can have an effect. In Trump’s case, the proposals that economists think could have significant influence are tariffs, or taxes on imports. On Monday, Trump threatened to impose new tariffs on Mexico, Canada and China — the United States’ three biggest trading partners — as soon as he takes office, on Jan. 20. The Republican said the new rate for goods from Canada and Mexico would be 25% as a pressure campaign to curb the illegal drug trade and immigration. Trump proposed an additional 10% on China after previously pledging a 60% tariff on products from there. He has also proposed anywhere from 10 to 20% tariffs on other imports. Trump says his plans would bring manufacturing jobs back to the U.S. But economic experts say Trump’s proposals will hurt American families’ wallets with more expensive cars, appliances and technology. Wayne Winegarden, senior fellow in economics at the right-leaning Pacific Research Institute, said additional tariffs will raise the price of not only foreign goods, but those produced domestically as well. “We import steel that goes into production of cars, so cars will be more expensive,” Winegarden said. “You may see prices going up.” Winegarden said he sees the tariffs as a broad-based consumption tax that will be bad for the economy. “How bad just depends on how high the rates are and there will be secondary effects in terms of how other countries respond as well,” he said. “Even if they don’t respond — I think that’s important for people to know, even if nobody raises their tariff in response to us — we’re still making U.S. families worse off.” Under a scenario with a broad 10% tariff and a 60% China tariff, the effect on households, even if there is no tariff retaliation, would be an additional $2,421 per household in 2023 dollars according to the Budget Lab at Yale University, a nonpartisan research center. The economy was a major concern for many voters in the presidential election, although inflation has generally slowed from a peak of 9.1% in June 2022. In October, 62% of registered voters said the economy is in poor condition. Economists say, though, it’s unlikely that prices will broadly come down to where they were during Trump’s first term. If prices came down that much, it would likely be the result of a weak economy. Lauren Saidel-Baker, an economist at ITR economics, a nonpartisan economic research and consulting firm based in New Hampshire, said her forecast is that inflation will continue to slow through the end of the year and will pick back up early next year. Saidel-Baker said she had this expectation before considering Trump policies because the money supply is increasing, leading to a faster pace of transactions. But tariffs are one of her main concerns about how Trump’s policies will affect inflation next year. She said goods inflation is under control at the moment while the services sector is harder hit by inflation as the result of a tighter labor market. Under the Trump administration, goods inflation could start picking up again. “Tariffs could cause goods to catch back up. But we have long-term demographic problems that are going to keep the labor market tight. I don’t see service inflation getting materially better, especially if we do things like these mass deportations that’s going to cut from the working-age population,” Saidel-Baker said. During his first term, Trump imposed tariffs on imports of steel and aluminum, solar panels and washing machines, to name a few. Several countries responded with retaliatory tariffs, including China. Although Trump’s tariffs boosted jobs in the steel and washing machine industries, the effect was a fall in the long run GDP by 0.2% and a loss in employment of 142,000 full-time jobs, the Tax Foundation, a tax policy think tank, estimated . “We already have evidence of what his tariffs are going to do from his first term. And those aren’t positive. It did not achieve what he says they’re going to achieve,” Winegarden said. Marshal Cohen, chief industry analyst at the NPD Group, a market research company, said a lot of companies have already moved their production away from China as a result of Trump’s first term tariffs. Steve Madden CEO Edward Rosenfeld explained in an earnings call that the company is implementing a plan to reduce its reliance on China, where more than 70% of its imports are from. Cohen said that despite this shift, certain goods could be more affected by tariffs, such as technology, cars, appliances, and the toy business that are based in or have many ties to China. Companies such as Columbia Sportswear, AutoZone, Stanley Black & Decker have said that they will raise prices in anticipation of tariffs. “If we get tariffs, we will pass those tariff costs back to the consumer,” Philip Daniele, CEO of AutoZone, said in an earnings call. Isabella Weber, associate professor of economics at the University of Massachusetts Amherst, who recently co-authored a paper on companies’ pricing strategies, said how much companies are comfortable raising prices depends on how much sales fall. “We have seen that companies were willing to increase prices even when it came at reductions in the volume sold. So, demand falling is not necessarily a reason for companies to not raise prices,” she said. “However, there comes a point of course at which further price increases no longer improve the bottom line if sales fall too much. In some segments, especially the ones where low-income households are important buyers like for example fast food, that point could have been reached.”
SACRAMENTO, Calif. , Dec. 20, 2024 /PRNewswire/ -- This holiday season, help give the drivers in your life the gift of convenience and control with the Reviver RPLATE ® — the exclusive digital license plate of the Sacramento Kings. The innovative RPLATE is the world's first digital license plate, allowing drivers to monitor and customize their license plate through the ease of a mobile application. Whether it is a teenager's first ride, or the dream car your parents always wanted, the holidays are the perfect time to gift your loved ones with a new car. Reviver has the perfect companion gift for a new car — the RPLATE, a smart and sleek digital license plate. The RPLATE helps make owning and maintaining a car easier and more enjoyable by turning the license plate into a connected vehicle platform. Through the RPLATE, drivers can quickly renew and update their vehicle's registration via the secure Reviver app. The RPLATE also offers fun personalization features with its weatherproof display, such as light/dark mode and banner messages. "I created Reviver and the RPLATE because I observed that the license plate and vehicle registration ecosystem wasn't innovating to meet the needs of the modern world," said Reviver Founder and Chief Strategy Officer Neville Boston . "At Reviver, we want to reimagine the driving experience and what a license plate can do. We want to make life easier for drivers, businesses, and government." Today, more than 65,000 drivers own an RPLATE including Cedric the Entertainer, Marshall Faulk and DJ Skee. Sacramento Kings fans can learn more about Reviver and the innovative RPLATE at an upcoming home game at Golden 1 Center. ABOUT REVIVER ® Reviver ® is a technology company on a mission to modernize the driving experience. As developer of the world's first digital license plate platform, Reviver products transform the license plate into a connected vehicle platform, enabling consumers and commercial businesses to digitize vehicle registration renewals and experience a growing set of personalization, convenience, and safety features, all managed through a mobile or web app interface. Reviver's digital license plates are legal for sale in Arizona and California , along with Texas for commercial fleet vehicles. Ten additional states are in various stages of adoption. Founded in 2009, Reviver is headquartered in Northern California , and is the official patch partner of the Sacramento Kings and the official innovation partner of the Sacramento Kings and Golden 1 Center. To purchase an RPLATE click here . To learn more about the RPLATE, click here . View original content to download multimedia: https://www.prnewswire.com/news-releases/help-them-drive-like-a-sacramento-king-give-the-gift-of-a-reviver-rplate-302337650.html SOURCE Reviver
Trans People Shouldn't Be Scapegoated for Democrats' FailuresA federal appeals court panel on Friday unanimously upheld a law that could lead to a ban on TikTok in a few short months, handing a resounding defeat to the popular social media platform as it fights for its survival in the U.S. The U.S. Court of Appeals for the District of Columbia Circuit denied TikTok's petition to overturn the law — which requires TikTok to break ties with its China-based parent company ByteDance or be banned by mid-January — and rebuffed the company's challenge of the statute, which it argued had ran afoul of the First Amendment. “The First Amendment exists to protect free speech in the United States,” said the court's opinion, which was written by Judge Douglas Ginsburg. “Here the Government acted solely to protect that freedom from a foreign adversary nation and to limit that adversary’s ability to gather data on people in the United States.” TikTok and ByteDance — another plaintiff in the lawsuit — are expected to appeal to the Supreme Court, though its unclear whether the court will take up the case. “The Supreme Court has an established historical record of protecting Americans’ right to free speech, and we expect they will do just that on this important constitutional issue," TikTok spokesperson Michael Hughes said in a statement. “Unfortunately, the TikTok ban was conceived and pushed through based upon inaccurate, flawed and hypothetical information, resulting in outright censorship of the American people,” Hughes said. Unless stopped, he argued the statute “will silence the voices of over 170 million Americans here in the US and around the world on January 19th, 2025.” Though the case is squarely in the court system, its also possible the two companies might be thrown some sort of a lifeline by President-elect Donald Trump, who tried to ban TikTok during his first term but said during the presidential campaign that he is now against such action . The law, signed by President Joe Biden in April, was the culmination of a years-long saga in Washington over the short-form video-sharing app, which the government sees as a national security threat due to its connections to China. The U.S. has said it’s concerned about TikTok collecting vast swaths of user data, including sensitive information on viewing habits , that could fall into the hands of the Chinese government through coercion. Officials have also warned the proprietary algorithm that fuels what users see on the app is vulnerable to manipulation by Chinese authorities, who can use it to shape content on the platform in a way that’s difficult to detect — a concern mirrored by the European Union on Friday as it scrutinizes the video-sharing app’s role in the Romanian elections. TikTok, which sued the government over the law in May, has long denied it could be used by Beijing to spy on or manipulate Americans. Its attorneys have accurately pointed out that the U.S. hasn’t provided evidence to show that the company handed over user data to the Chinese government, or manipulated content for Beijing’s benefit in the U.S. They have also argued the law is predicated on future risks, which the Department of Justice has emphasized pointing in part to unspecified action it claims the two companies have taken in the past due to demands from the Chinese government. Friday’s ruling came after the appeals court panel, composed of two Republican and one Democrat appointed judges, heard oral arguments in September. In the hearing, which lasted more than two hours, the panel appeared to grapple with how TikTok’s foreign ownership affects its rights under the Constitution and how far the government could go to curtail potential influence from abroad on a foreign-owned platform. On Friday, all three of them denied TikTok’s petition. In the court's ruling, Ginsburg, a Republican appointee, rejected TikTok's main legal arguments against the law, including that the statute was an unlawful bill of attainder or a taking of property in violation of the Fifth Amendment. He also said the law did not violate the First Amendment because the government is not looking to "suppress content or require a certain mix of content” on TikTok. “Content on the platform could in principle remain unchanged after divestiture, and people in the United States would remain free to read and share as much PRC propaganda (or any other content) as they desire on TikTok or any other platform of their choosing,” Ginsburg wrote, using the abbreviation for the People’s Republic of China. Judge Sri Srinivasan, the chief judge on the court, issued a concurring opinion. TikTok’s lawsuit was consolidated with a second legal challenge brought by several content creators - for which the company is covering legal costs - as well as a third one filed on behalf of conservative creators who work with a nonprofit called BASED Politics Inc. Other organizations, including the Knight First Amendment Institute, had also filed amicus briefs supporting TikTok. “This is a deeply misguided ruling that reads important First Amendment precedents too narrowly and gives the government sweeping power to restrict Americans’ access to information, ideas, and media from abroad,” said Jameel Jaffer, the executive director of the organization. “We hope that the appeals court’s ruling won’t be the last word.” Meanwhile, on Capitol Hill, lawmakers who had pushed for the legislation celebrated the court's ruling. "I am optimistic that President Trump will facilitate an American takeover of TikTok to allow its continued use in the United States and I look forward to welcoming the app in America under new ownership,” said Republican Rep. John Moolenaar of Michigan, chairman of the House Select Committee on China. Democratic Rep. Raja Krishnamoorthi, who co-authored the law, said “it's time for ByteDance to accept” the law. To assuage concerns about the company’s owners, TikTok says it has invested more than $2 billion to bolster protections around U.S. user data. The company has also argued the government’s broader concerns could have been resolved in a draft agreement it provided the Biden administration more than two years ago during talks between the two sides. It has blamed the government for walking away from further negotiations on the agreement, which the Justice Department argues is insufficient. Attorneys for the two companies have claimed it’s impossible to divest the platform commercially and technologically. They also say any sale of TikTok without the coveted algorithm - the platform’s secret sauce that Chinese authorities would likely block under any divesture plan - would turn the U.S. version of TikTok into an island disconnected from other global content. Still, some investors, including Trump’s former Treasury Secretary Steven Mnuchin and billionaire Frank McCourt, have expressed interest in purchasing the platform. Both men said earlier this year that they were launching a consortium to purchase TikTok’s U.S. business. This week, a spokesperson for McCourt’s Project Liberty initiative, which aims to protect online privacy, said unnamed participants in their bid have made informal commitments of more than $20 billion in capital.
Louisiana GOP lawmakers want to make it easier to try juveniles as adults
