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Port: No more budget addresses from lame-duck governors, pleaseTORONTO — When Geoffrey Hinton strode across the Stockholm Concert Hall stage Tuesday to receive his Nobel Prize for physics from King Carl XVI Gustaf of Sweden, he was beaming. It has taken decades for many beyond the science community to realize the British Canadian computer scientist's life's work was so significant it eventually formed the foundation of artificial intelligence. But on Tuesday, as he accepted the Nobel diploma and its accompanying gold medal with co-laureate John Hopfield, there was no question about the importance of Hinton's discoveries nor how he has shaped history. Instead, there was only pride for the affable 77-year-old, often called the godfather of AI — and that pride stretched from Stockholm to Toronto. A crowd of about 100 students and colleagues at the University of Toronto, where Hinton is a professor emeritus, gathered at the school's downtown campus to watch the Nobel ceremony. Two other watch parties took over the school's Mississauga and Scarborough campuses. Any mention of physics or a sighting of Hinton, clad in a dark suit and white bow tie, generated rousing applause at the Toronto gathering. When the man of the hour headed to retrieve his accolade from the King, a few former students and colleagues wiped tears from their eyes. "There is, at least for me, this sense that Prof. Hinton created the whole ecosystem here, where there are thousands of people who are working on his ideas," Michael Guerzhoy, one of Hinton's former students who went on to teach a course Hinton had once led at the university, said before the ceremony began. The idea that earned Hinton the Nobel dates back to the 1980s, when he was working at Carnegie Mellon University in Pittsburgh and AI was far from the buzzy technology it is today. It was then that Hinton developed the Boltzmann machine, which learns from examples, rather than instructions, and when trained, can recognize familiar characteristics in information, even if it has not seen that data before. "It was a lot of fun doing the research but it was slightly annoying that many people — in fact, most people in the field of AI — said that neural networks would never work," Hinton recalled during a press conference on the October day he was named as a Nobel laureate. "They were very confident that these things were just a waste of time and we would never be able to learn complicated things like, for example, understanding natural language using neural networks — and they were wrong." Neural networks are computational models that resemble the human brain's structure and functions. When Nobel physics committee chair Ellen Moons presented Hinton to receive his award, she said these networks are good at sorting and interpreting large amounts of data and self-improve based on the accuracy of the results they generate. "Today, artificial neural networks are powerful tools in research fields spanning physics, chemistry and medicine, as well as in daily life," she said. John DiMarco wasn't surprised that Hinton's work paved the way for such possibilities, but the IT director for U of T's computer science department was taken aback that Hinton's Nobel came in the unlikely physics category. DiMarco met Hinton roughly 35 years ago in a job interview and quickly took note of his proclivity for humour and the quirks in how his mind works. "He is quite insightful and he goes straight to the core of things," DiMarco said. "He would sometimes come out of his office and share some new idea. We didn't always understand what he was sharing, but he was very excited about it." Many of those ideas required lots of computing power the school's systems didn't have, so DiMarco's team patched together a solution with graphics processing units from video game consoles. DiMarco brought one of Hinton's GPUs to the watch party, which was also attended by Joseph Jay Williams, the director of U of T's Intelligent Adaptive Interventions Lab. Williams took one of Hinton's classes and said the Nobel winner "changed the course of my life" by encouraging him to go to grad school, which then led him to win the XPRIZE Digital Learning Challenge, a global competition aimed at rewarding people who modernize learning tools and processes. Other notable mentees and alumni of Hinton's classes include OpenAI co-founder Ilya Sutskever and Cohere co-founders Nick Frosst and Aidan Gomez. With his Nobel win and so many esteemed protege, Williams said Hinton has become a "reluctant celebrity" who is hounded for photos every time he's on campus. Hinton, however, has taken a much more humble approach to his recent win, which he learned of on a trip to California. He initially thought the call from the academy that gives out the Nobel was "a spoof," but later realized it had to be real because it was placed from Sweden and the speaker had a "strong Swedish accent." The award the academy gave him comes with 11 million Swedish kronor (about $1.4 million) from a bequest arranged by Swedish inventor Alfred Nobel. Hinton and Hopfield will split the money, with some of Hinton's share going to Water First, an Ontario organization working to boost Indigenous access to water, and another unnamed charity supporting neurodiverse young adults. Hinton has said he doesn't plan to do much more "frontier research." "I believe I'm going to spend my time advocating for people to work on safety," he said in October. Last year, Hinton left a role he held at Google to more freely speak about the dangers of AI, which he has said include bias and discrimination, fake news, joblessness, lethal autonomous weapons and even the end of humanity. At a Stockholm press conference over the weekend, he said he doesn’t regret the work he did to lay the foundations of artificial intelligence, but wishes he thought of safety sooner. “In the same circumstances, I would do the same again,” he said. This report by The Canadian Press was first published Dec. 10, 2024. Tara Deschamps, The Canadian Press

Former President Jimmy Carter, a Georgia peanut farmer who vowed to restore morality and truth to politics after an era of White House scandal and who redefined post-presidential service, died Sunday at the age of 100. The Carter Center said the 39th president died in Plains, Georgia, surrounded by his family. The White House has been notified that Carter has died, per a Biden administration official. Preparations for the state funeral have begun, according to a law enforcement official. Carter had been in home hospice care since February 2023 after a series of short hospital stays. Carter, a Democrat, served a single term from 1977 to 1981, losing a reelection bid to Ronald Reagan. Despite his notable achievements as a peacemaker, Carter’s presidency is largely remembered as an unfulfilled four years shaken by blows to America’s economy and standing overseas. His most enduring legacy, though, might be as a globetrotting elder statesman and human rights pioneer during an indefatigable 43-year “retirement.” Carter became the oldest living former president when he surpassed the record held by the late George H.W. Bush in March 2019. Carter’s beloved wife, Rosalynn, died in November 2023. They had been inseparable during their 77-year marriage, and after she passed away, the former president said in a statement that “as long as Rosalynn was in the world, I always knew somebody loved and supported me.” The former president attended his wife’s memorial events, including a private burial and a televised tribute service in Atlanta, where he was seated in the front row in a reclined wheelchair. He did not deliver any remarks. Carter took office in 1977 with the earnest promise to lead a government as “good and honest and decent and compassionate and filled with love as are the American people” following what had started as an unlikely long-shot bid for the Democratic Party’s nomination. The Southerner with a flashing smile did enjoy significant successes, particularly abroad. He forged a rare, enduring Middle East peace deal between Israel and Egypt that stands to this day, formalized President Richard Nixon’s opening to communist China and put human rights at the center of US foreign policy. But Carter was ultimately felled by a 444-day hostage crisis in Iran, in which revolutionary students flouted the US superpower by holding dozens of Americans in Tehran. The feeling of US malaise triggered by the crisis was exacerbated by Carter’s domestic struggles, including a sluggish economy, inflation and an energy crisis. At times, Carter’s principled moral tone and determination to strip the presidency of ostentation, such as by selling the official yacht, Sequoia, seemed to verge on sanctimony. But out of office, Carter won admiration by living his values. Just a day after one of several falls he suffered in 2019, he was back out building homes for Habitat for Humanity, even with an ugly black eye and 14 stitches — and teaching Sunday school as he had done several hundreds of times . The devout Southern Baptist’s life’s work was only just beginning when he limped out of the White House, humiliated by Reagan’s 1980 Republican landslide, in which the incumbent won only six states and the District of Columbia. “As one of the youngest of former presidents, I expected to have many useful years ahead of me,” Carter wrote in his 1982 memoir, “Keeping Faith.” He proved as good as his word, going on to become a humanitarian icon, perhaps more popular outside the United States than he was at home. Over four decades, Carter, Rosalynn and his Atlanta-based organization monitored hot-spot elections, negotiated with despots, battled poverty and homelessness, fought disease and epidemics, and promoted public health in the developing world. In the process, Carter did nothing less than reinvent the concept of the post-presidency, blazing a philanthropic path since adopted by successors such as Bill Clinton and, in Africa, George W. Bush. His efforts on behalf of his Carter Center, founded to “wage peace, fight disease and build hope,” yielded a Nobel Peace Prize in 2002. Even into old age, Carter remained a polarizing political figure. He was an uneasy member of the ex-presidents’ club, sometimes frustrating successors like Clinton and criticizing the foreign policies of George W. Bush and Barack Obama, and of US allies such as Israel. In recent years, he came full circle as he warned of the corrosive impact on American politics of a scandal-plagued White House — just as he did when his critique of the Nixon era helped him beat the disgraced Republican ex-president’s unelected successor, Gerald Ford, in 1976. (After Carter left office, he and Ford became close friends.) In September 2019, Carter warned Americans against reelecting President Donald Trump . “I think it will be a disaster to have four more years of Trump,” he said. After losing reelection, his work at the Carter Center became a great consolation. The ex-president said in a moving news conference detailing a cancer diagnosis in August 2015 that being president had been the highlight of his political career, even if it ended prematurely — though he would not swap another four years in the White House for the joy he had taken after leaving office in working with the Carter Center. And he said he was at peace with his legacy after a rich, fulfilling life: “I think I have been as blessed as any human being in the world.” Carter also said at that August news conference that marrying Rosalynn was the “pinnacle” of his life. He is survived by four children — Jack, Chip, Jeff and Amy — 11 grandchildren and 14 great-grandchildren, according to the Carter Center. In April 2021, President Joe Biden and first lady Jill Biden visited the Carters at their home in Plains, after the former presidential couple was unable to travel to Washington for the 46th president’s inauguration. An unlikely president Carter had always seemed an unlikely president. No one gave the Georgia governor and former Navy submariner a hope when he launched his campaign for the White House. But Carter spent months crisscrossing the cornfields and small towns of Iowa, building support voter by voter. In many ways, his success created the political lore of the modern Iowa caucuses as a place where little-known outsiders — Obama, for instance — could build a grassroots campaign that could lead to the White House. Democrats have recently downgraded the Hawkeye State’s role in their nominating process, reasoning that its mostly White demographic doesn’t represent the diversity of their supporters or the nation. Timing is crucial for presidential hopefuls, and as it turned out, Carter proved to be the right man at the right time in 1976. The deep political wounds of the Watergate scandal, which had forced the resignation of Nixon, remained raw. The nation was still deeply cynical about politicians following the social dislocation of the Vietnam War. “I’ll never lie to you,” Carter promised voters, forging a public image as an honest, humble, God-fearing, racially inclusive son of the “New South.” “He was never embarrassed to have a Georgian accent or be in blue jeans and play horseshoes and softball,” said his biographer Douglas Brinkley. That down-to-earth persona of Carter proved alluring. He followed up victory in the Iowa caucuses with wins in New Hampshire and Florida, beating out Democratic candidates including George Wallace of Alabama, Morris Udall of Arizona and Jerry Brown of California. “My name is Jimmy Carter and I’m running for president,” Carter said, poking fun at his leap from obscurity as he accepted his party’s nomination at the 1976 Democratic convention in New York City, where he tapped Sen. Walter Mondale of Minnesota as his running mate. Carter’s openness was crucial to his appeal with voters — but occasionally, his truth-telling appeared off-key. On one such occasion, Carter admitted to Playboy that he had looked on women with lust and “committed adultery in my heart many times.” A focus on human rights Carter beat Ford by 297 to 240 electoral votes and vowed in his inaugural address to put universal rights at the center of US foreign policy. “Our moral sense dictates a clear-cut preference for those societies which share with us an abiding respect for individual human rights. We do not seek to intimidate, but it is clear that a world which others can dominate with impunity would be inhospitable to decency and a threat to the well-being of all people,” he said. Carter’s most significant achievement as president was the Camp David Accords, reached after exhaustive negotiations between Egypt and Israel that peaked at the presidential retreat in Maryland. It was the first peace deal between the Jewish state and one of its Arab enemies. The agreement, signed by Carter, Israeli Prime Minister Menachem Begin and Egyptian President Anwar Sadat in 1978, called for a formal peace between the foes and the establishment of diplomatic relations. It resulted in the Israeli withdrawal from the Sinai Peninsula and called for an Israeli exit from the West Bank and Gaza, with promised future negotiations to resolve the Palestinian question. While it did not settle the question of East Jerusalem, and subsequent violence and political unrest between Israel and the Palestinians meant the deal’s full potential was never realized, the enduring peace between Israel and Egypt remains a linchpin of US diplomacy in the region. In subsequent decades, Carter soured on the Israeli leadership, becoming deeply critical of what he saw as a failure to live up to obligations toward the Palestinians. He sparked controversy in 2006 by saying that Israel’s settlement policies on the West Bank were tantamount to the apartheid policies of South Africa. The Carter administration also forged progress outside the Middle East, in Latin America and Asia. He countered growing hostility to the United States throughout the Western Hemisphere by concluding the Panama Canal treaties in 1977, which would return the strategic waterway between the Pacific and Atlantic Oceans to the control of its host nation in 1999. There had been fears that the Panamanians, increasingly resentful of US sovereignty, could trigger a showdown by closing the canal — a step that would have had significant economic and strategic consequences. Carter also built on Nixon’s achievement of opening China by formalizing an agreement to establish full diplomatic relations in January 1979. An iconic visit to the United States by a cowboy-hat-wearing Chinese leader Deng Xiaoping followed. The decision was a tough one for Carter and required him to sever formal diplomatic relations with the renegade government and US ally in Taiwan — which had claimed to be the legitimate government of China — in favor of the communists in Beijing. That June, Carter and Soviet Premier Leonid Brezhnev signed the treaty concluding the second round of the Strategic Arms Limitation Talks (SALT II), which placed broad limits on strategic nuclear arms. Some analysts also give Carter credit for beginning the buildup of sophisticated weaponry that later helped Reagan outpace the Soviet Union and win the Cold War — a heavy political lift as the Pentagon remained unpopular in the aftermath of the Vietnam War. Crises at home and abroad At home, meanwhile, Carter established the Department of Energy and exhorted Americans to cut down on consumption amid an oil price spike. He installed solar panels on the White House roof. He also began the process of deregulating the airline and trucking industries. But in 1979, Carter did himself significant political damage in an extraordinary address to the nation on the energy crisis in which he listed criticisms of his presidency, painting a picture of a listless nation trapped in a moral and spiritual funk. “It is a crisis of confidence. It is a crisis that strikes at the very heart and soul and spirit of our national will. We can see this crisis in the growing doubt about the meaning of our own lives and in the loss of a unity of purpose for our nation,” Carter said. Ultimately, the speech came back to haunt Carter and made it easy for opponents, not least Reagan, to portray him as a pessimistic and uninspiring leader. Still, in the late 1970s, it seemed conceivable that Carter’s command of foreign policy at the height of the Cold War would give him a fair shot at a second term. But a swelling of revolutionary Islam — heralding a trend that would confound future presidents — conspired to sweep him out of the White House. In October 1979, the United States let the shah of Iran, Reza Pahlavi — who had been overthrown by the Iranian Revolution a few months earlier — enter the country for medical treatment. That infuriated Islamic revolutionaries who saw him as an oppressive US puppet and wanted him returned to Iran for trial. On November 4, a year before the US election, students who supported the Islamic revolution seized the US Embassy in Tehran and took 66 Americans hostage. The 444-day standoff transfixed the nation, souring the national mood day by day as television news bulletins tallied how long the hostages had been in custody. Gradually it dashed Carter’s hopes of a second term. His fortunes were also battered by a daring and ultimately disastrous rescue bid in which a US helicopter carrying special forces crashed in the desert, killing eight US servicemen. At the same time, the Cold War was approaching a pivotal point. After the Soviets invaded Afghanistan in December 1979, Carter decided to boycott the Summer Olympics in Moscow and asked the Senate to delay ratification of SALT II. As November 1980 approached, a sense of Soviet belligerence and the lengthening humiliation of the hostage crisis fostered an impression of US power under siege. “It was a perfect storm of unpleasant events, and that inability of Carter to get those Iranian hostages released before the 1980 elections spelled doomsday,” Brinkley said. Carter wrote in his memoirs that his destiny was out of his hands as the election approached, but he prayed the hostages would be released. “Now, my political future might well be determined by irrational people on the other side of the world over whom I had no control,” he said. “If the hostages were released, I was convinced my election would be assured; if the expectations of the American people were dashed again, there was little chance I could win.” Throughout the campaign, Reagan berated Carter as an ineffectual leader consigning America to perpetual decline. “A recession is when your neighbor loses his job. A depression is when you lose yours. And recovery is when Jimmy Carter loses his,” Reagan charged. The actor-turned-California governor pulled off a stunning landslide on Election Day 1980, winning 489 electoral votes. In the final humiliation for Carter, on January 20, 1981, 20 minutes after Reagan was sworn in, Iran released the hostages. Humble beginnings Carter was born on October 1, 1924, to James Earl Carter Sr. and Lillian Gordy Carter, who lived in a house without electricity in the south Georgia village of Plains. The oldest of four children, he was the first future US president to be born in a hospital. Growing up during the Great Depression in the segregated Deep South, Carter showed a flair for music, art and literature, and often played with African American children — a factor influencing his thoughts on integration that played out in his political career. After studying reactor technology and nuclear physics at Union College in Schenectady, New York, Carter was assigned to the submarine force. The future peacemaker served in the Atlantic and Pacific fleets before he was tapped by Adm. Hyman Rickover, the crotchety “Father of the Nuclear Navy,” to serve as a senior officer of the pre-commissioning crew of the Seawolf, the second US nuclear submarine. After leaving active Navy duty in 1953, Carter spent time raising his children, running the family peanut farm and taking his first political steps, winning election to the Georgia Senate in 1962. He lost the Democratic nomination to run for governor to segregationist Lester Maddox in 1966 but ran successfully for the same office four years later. Political energy undimmed Carter was 56 when he left the White House, and he soon looked for new outlets for his undimmed political energy. “In the presidency, he got a sense of the fact that the world can be changed, and it doesn’t take a government to change it; it can be changed one person at a time, one disease at a time, building one house at a time,” said Andrew Young, who was a US ambassador to the United Nations under Carter. The former president and first lady visited more than 130 countries to meet with foreign leaders and other prominent individuals. Carter was still traveling after his 90th birthday. As recently as May 2015, Carter went to Guyana to monitor the country’s most important election in two decades. The Carter Center has observed more than 125 elections in 40 nations since its founding in 1982. “We try to fill vacuums in the world,” Carter told an audience at the center in 2010, “by doing things that others don’t want to do or cannot do because of diplomatic niceties. That’s part of bringing peace.” Sometimes that meant mixing with unsavory company. In 1994, the United States and North Korea were edging toward conflict over US concerns that Pyongyang was building a nuclear weapon. Absent diplomatic relations between the two countries, President Clinton gave Carter and Rosalynn permission to travel to the isolated Stalinist state to meet its supreme leader, Kim Il-Sung. In exchange for dialogue with the United States, North Korea agreed to freeze its nuclear program, which defused the crisis — for a few years at least. The same year, Carter was credited with helping avert a US invasion of Haiti and restoring President Jean-Bertrand Aristide to power. In 2002, he became the first former or sitting US president since 1928 to visit Cuba, where he called on the United States to end its “ineffective” economic embargo and challenged President Fidel Castro to hold free elections, grant more civil liberties and improve human rights. In 2008, he met with leaders from the Palestinian militant organization Hamas, designated a terrorist group by the US State Department, and from Syria. At times, Carter also criticized the United States in public. In a June 2012 op-ed in The New York Times, Carter accused the United States of “abandoning its role as the global champion of human rights.” He cited revelations that officials were targeting people — including US citizens — for assassination abroad as “disturbing proof” that the nation’s stance on human rights had changed for the worse. An enduring partnership In the summer of 1945, Carter, then a fresh-faced US Naval Academy student, met Eleanor Rosalynn Smith and, after their first date, told his mother, “She’s the girl I want to marry.” Rosalynn rejected his first proposal but accepted the second a few weeks later. They wed in 1946 and would eventually become the longest-married presidential couple in history. Carter was asked the secret of his enduring marriage on CNN’s “The Lead” in July 2015. “Rosalynn has been the foundation for my entire enjoyment of life. ... First of all, it’s best to choose the right woman, which I did. And secondly, we give each other space to do our own things,” Carter told CNN’s Jake Tapper. “We try to be reconciled before we go to sleep at night and try to find everything we can think of that we like to do together. So we have a lot of good times.” When he published his book “A Full Life” shortly before he was diagnosed with cancer in 2015, Carter contemplated his own mortality. He wrote that he was at peace with his accomplishments as president as well as his unrealized goals. He said he and Rosalynn were “blessed with good health and look to the future with eagerness and confidence, but are prepared for inevitable adversity when it comes.” This story has been updated with additional information. Tom Watkins and CNN’s Jeff Zeleny and Haley Talbot contributed to this report.In response to an ultimatum from the Pinellas County (Fla.) Commission last week, Tampa Bay Rays ownership said in a letter Monday that its deal to build a new $1.3 billion ballpark is still "in effect." The letter was the latest salvo in a verbal back-and-forth between the MLB franchise and the county. Rays presidents Brian Auld and Matt Silverman wrote to the County Commission on Nov. 19 and suggested the team would not agree to a deal for a new stadium. The Rays claimed they had spent more than $50 million toward building that new stadium, but the county had allegedly "suspended work on the entire project," making its targeted 2028 opening unfeasible. Last Monday, Pinellas County Court Commission Chairperson Kathleen Peters replied in a letter to Auld and Silverman requesting they declare by Dec. 1 whether they are in or out. "In response to your question regarding the status of the various agreements, they are in effect until a party terminates or outside dates are reached," Silverman responded Monday, with Dec. 1 now past. "The Rays have fulfilled its obligations to date and continue to wait for decisions and actions by the City of St. Petersburg and Pinellas County." "We would not have gone forward with the project if a future Pinellas County Commission had the ability to revoke the approval we all celebrated in July or to unilaterally delay the project's completion into 2029." Silverman also fired back at Peters for bringing up a conversation Auld had with Pinellas County Commissioner Brian Scott last month, prompting the county to allege that Auld was not committed to following through on the project. "The conversation primarily concerned the near-term challenges to our business given the damage to Tropicana Field as well as the dynamics related to the location of our home games in 2025," Silverman wrote Monday. "Brian Auld did not waver from our commitment to the new ballpark project." It is unclear how the county will proceed. The Pinellas County Commission already voted 6-1 last month to put off its final decision on whether to approve bonds until Dec. 17. Regardless of what happens in the Rays' long-term planning, the club will not play its 2025 home games in St. Petersburg after Tropicana Field was heavily damaged by Hurricane Milton in early October. The team will instead welcome opponents to Tampa's George M. Steinbrenner Field, the spring training home of the New York Yankees. --Field Level Media

WASHINGTON — A top White House official said Wednesday at least eight U.S. telecom firms and dozens of nations were impacted by a Chinese hacking campaign. Deputy national security adviser Anne Neuberger offered new details about the breadth of the sprawling Chinese hacking campaign that gave officials in Beijing access to private texts and phone conversations of an unknown number of Americans. FILE - The American and Chinese flags wave at Genting Snow Park ahead of the 2022 Winter Olympics, in Zhangjiakou, China, on Feb. 2, 2022. A top White House official on Wednesday said at least eight U.S. telecom firms and dozens of nations have been impacted by a Chinese hacking campaign. (AP Photo/Kiichiro Sato, File) Neuberger divulged the scope of the hack a day after the FBI and the Cybersecurity and Infrastructure Security Agency issued guidance intended to help root out the hackers and prevent similar cyberespionage in the future. White House officials cautioned that the number of telecommunication firms and countries impacted could grow. The U.S. believes the hackers were able to gain access to communications of senior U.S. government officials and prominent political figures through the hack, Neuberger said. “We don’t believe any classified communications has been compromised,” Neuberger added during a call with reporters. She added that Biden was briefed on the findings and the White House “made it a priority for the federal government to do everything it can to get to the bottom this.” US officials recommend encrypted messaging apps amid "Salt Typhoon" cyberattack, attributed to China, targeting AT&T, Verizon, and others. The Chinese embassy in Washington rejected the accusations that it was responsible for the hack Tuesday after the U.S. federal authorities issued new guidance. “The U.S. needs to stop its own cyberattacks against other countries and refrain from using cyber security to smear and slander China,” embassy spokesperson Liu Pengyu said. The embassy did not immediately respond to messages Wednesday. White House officials believe the hacking was regionally targeted and the focus was on very senior government officials. Federal authorities confirmed in October that hackers linked to China targeted the phones of then-presidential candidate Donald Trump and his running mate, Sen. JD Vance, along with people associated with Democratic candidate Vice President Kamala Harris. The number of countries impacted by the hack is currently believed to be in the “low, couple dozen,” according to a senior administration official. The official, who spoke on the condition of anonymity under rules set by the White House, said they believed the hacks started at least a year or two ago. The suggestions for telecom companies released Tuesday are largely technical in nature, urging encryption, centralization and consistent monitoring to deter cyber intrusions. If implemented, the security precautions could help disrupt the operation, dubbed Salt Typhoon, and make it harder for China or any other nation to mount a similar attack in the future, experts say. Trump's pick to head the Federal Bureau of Investigation Kash Patel was allegedly the target of cyberattack attempt by Iranian-backed hackers. Neuberger pointed to efforts made to beef up cybersecurity in the rail, aviation, energy and other sectors following the May 2021 ransomware attack on Colonial Pipeline . “So, to prevent ongoing Salt Typhoon type intrusions by China, we believe we need to apply a similar minimum cybersecurity practice,” Neuberger said. The cyberattack by a gang of criminal hackers on the critical U.S. pipeline, which delivers about 45% of the fuel used along the Eastern Seaboard, sent ripple effects across the economy, highlighting cybersecurity vulnerabilities in the nation’s aging energy infrastructure. Colonial confirmed it paid $4.4 million to the gang of hackers who broke into its computer systems as it scrambled to get the nation's fuel pipeline back online. Picture this: You're on vacation in a city abroad, exploring museums, tasting the local cuisine, and people-watching at cafés. Everything is going perfectly until you get a series of alerts on your phone. Someone is making fraudulent charges using your credit card, sending you into a panic. How could this have happened? Cyberattacks targeting travelers are nothing new. But as travel has increased in the wake of the COVID-19 pandemic, so has the volume of hackers and cybercriminals preying upon tourists. Financial fraud is the most common form of cybercrime experienced by travelers, but surveillance via public Wi-Fi networks, social media hacking, and phishing scams are also common, according to a survey by ExpressVPN . Spokeo consulted cybersecurity sources and travel guides to determine some of the best ways to protect your phone while traveling, from using a VPN to managing secure passwords. Online attacks are not the only type of crime impacting travelers—physical theft of phones is also a threat. Phones have become such invaluable travel aids, housing our navigation tools, digital wallets, itineraries, and contacts, that having your phone stolen, lost, or compromised while abroad can be devastating. Meanwhile, traveling can make people uniquely vulnerable to both cyber and physical attacks due to common pitfalls like oversharing on social media and letting your guard down when it comes to taking risks online. Luckily, there are numerous precautions travelers can take to safeguard against cyberattacks and phone theft. Hackers can—and do—target public Wi-Fi networks at cafés and hotels to gain access to your personal information or install malware onto your device, particularly on unsecured networks. Travelers are especially vulnerable to these types of cybersecurity breaches because they are often more reliant on public Wi-Fi than they would be in their home countries where they have more robust phone plans. This reliance on public, unsecured networks means travelers are more likely to use those networks to perform sensitive tasks like financial transfers, meaning hackers can easily gain access to banking information or other passwords. One easy way to safeguard yourself against these breaches is to use a virtual private network, or VPN, while traveling. VPNs are apps that encrypt your data and hide your location, preventing hackers from accessing personal information. An added bonus is that VPNs allow you to access websites that may be blocked or unavailable in the country you are visiting. To use a VPN, simply download a VPN app on your phone or computer, create an account, choose a server, and connect. Pickpockets, scammers, and flagrant, snatch-your-phone-right-out-of-your-hand thieves can be found pretty much everywhere. In London, for instance, a staggering 91,000 phones were reported stolen to police in 2022 , breaking down to an average of 248 per day, according to the BBC. Whether you're visiting a crowded tourist attraction or just want peace of mind, travel experts advise taking precautions to make sure your phone isn't physically stolen or compromised while traveling. There are several antitheft options to choose from. If you want a bag that will protect your phone from theft, experts recommend looking for features like slash-resistant fabric, reinforced shoulder straps, hidden zippers that can be locked, and secure attachment points, like a cross-body strap or a sturdy clip. For tethers, look for those made of tear-resistant material with a reinforced clip or ring. If your phone falls into the wrong hands, there's a good chance you won't be getting it back. Out of those 91,000 phones stolen in London in 2022, only 1,915 (or about 2%) were recovered. The good news is that you can take precautions to make the loss of your phone less devastating by backing up your data before you travel. With backed-up data, you can acquire a new device and still access your photos, contacts, messages, and passwords. Moreover, if you have "Find My Device" or "Find My Phone" enabled, you can remotely wipe your stolen phone's data so the thief cannot access it. It's safest to back up your data to a hard drive and not just the cloud. That way, if you have to wipe your device, you don't accidentally erase the backup, too. In order for the previous tip on this list to work, "Find My Phone" must be turned on in advance, but remotely wiping your device isn't the only thing this feature allows you to do. The "Find My Phone" feature enables you to track your device, as long as it's turned on and not in airplane mode. This is particularly helpful if you misplaced your phone or left it somewhere since it can help you retrace your steps. While this feature won't show you the live location of a phone that has been turned off, it will show the phone's last known location. With "Find My Phone," you can also remotely lock your phone or enable "Lost Mode," which locks down the phone, suspends any in-phone payment methods, and displays contact information for returning the phone to you. If your phone was stolen, experts caution against taking matters into your own hands by chasing down the thief, since this could land you in a potentially dangerous situation and is unlikely to result in getting your phone back. Strong passwords for important accounts help protect your information while you travel, but it's just a first step. The National Cybersecurity Alliance recommends creating long, unique, and complex passwords for every account and combining them with multifactor authentication to create maximum barriers to entry. If you're worried about remembering these passwords, password managers can be a vital tool for both creating and storing strong passwords. Password managers are apps that act as secure vaults for all your passwords. Some even come with a feature that allows you to temporarily delete sensitive passwords before you travel and then easily restore them once you return. Story editing by Mia Nakaji Monnier. Additional editing by Kelly Glass. Copy editing by Tim Bruns. Photo selection by Lacy Kerrick. This story originally appeared on Spokeo and was produced and distributed in partnership with Stacker Studio. Get the latest local business news delivered FREE to your inbox weekly.CHRISTMAS has come early for two Hunter men pocketing a big win in the Saturday Lotto. Login or signup to continue reading A Singleton grandfather and a Tanilba Bay man were among the seven division one winners in Saturday Lotto draw 4525 on Saturday, November 30, scoring $736,926.24 each. The grandfather said he can't wait to give his grandchildren "the best Christmas yet". "It's come at a perfect time. I'll be able to share with the whole family and most importantly, spoil the grandkids," he said. "I had a look at my tickets last night and there was nothing there. How could I have missed this? "My goodness. I'm an old fella; I might just have a heart attack." The Tanilba Bay man said he initially didn't look at his ticket because he thought he hadn't won anything. "I wasn't expecting this today at all. I feel absolutely amazing. What a beautiful day. I can't wait to tell mum," he said. "I can't believe it. I'll be able to buy a house." Both winning entries were purchased online - one via The Lott app and the other from The Lott website. The winning numbers in Saturday Lotto draw 4525 were 16, 30, 41, 8, 39 and 13, while the supplementary numbers were 38 and 28. Across Australia, there were seven division one winning entries in Saturday Lotto draw 4525 - three each in New South Wales and Queensland and one in Victoria.. Alanna is a journalist at the Newcastle Herald with a focus on education. She takes pride in regional journalism which she believes is crucial to informing our towns and cities. Have a story? Email her at alanna.tomazin@austcommunitymedia.com.au Alanna is a journalist at the Newcastle Herald with a focus on education. She takes pride in regional journalism which she believes is crucial to informing our towns and cities. Have a story? Email her at alanna.tomazin@austcommunitymedia.com.au DAILY Today's top stories curated by our news team. Also includes evening update. WEEKDAYS Grab a quick bite of today's latest news from around the region and the nation. WEEKLY The latest news, results & expert analysis. WEEKDAYS Catch up on the news of the day and unwind with great reading for your evening. WEEKLY Get the editor's insights: what's happening & why it matters. WEEKLY Love footy? We've got all the action covered. WEEKLY Every Saturday and Tuesday, explore destinations deals, tips & travel writing to transport you around the globe. WEEKLY Get the latest property and development news here. WEEKLY Going out or staying in? Find out what's on. WEEKDAYS Sharp. Close to the ground. Digging deep. Your weekday morning newsletter on national affairs, politics and more. 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YPSILANTI, Mich. (AP) — On a damp Wednesday night with temperatures dipping into the 30s, fans in sparsely filled stands bundled up to watch Buffalo beat Eastern Michigan 37-30 on gray turf. The lopsided game was not particularly notable, but it was played on one of the nights the Mid-American Conference has made its own: A weeknight. “A lot of the general public thinks we play all of our games on Tuesdays and Wednesdays, not just some of them in November,” MAC Commissioner Jon Steinbrecher said in a telephone interview this week. “What it has done is help take what was a pretty darned good regional conference and has given it a national brand and made it a national conference.” When the conference has played football games on ESPN or ESPN2 over the last two seasons, the linear television audience has been 10 times larger than when conference schools meet on Saturdays and get lost in the shuffle when viewers have many more choices. The most-watched MAC game over the last two years was earlier this month on a Wednesday night when Northern Illinois won at Western Michigan and there were 441,600 viewers, a total that doesn’t include streaming that isn’t captured by Nielsen company. During the same span, the linear TV audience has been no larger than 46,100 to watch two MAC teams play on Saturdays. “Having the whole nation watching on Tuesday and Wednesday night is a huge deal for the MAC,” Eastern Michigan tight end Jere Getzinger said. “Everybody wants to watch football so if you put it on TV on a Tuesday or Wednesday, people are going to watch.” ESPN has carried midweek MAC football games since the start of the century. ESPN and the conference signed a 13-year extension a decade ago that extends their relationship through at least the 2026-27 season. The conference has made the most of the opportunities, using MACtion as a tag on social media for more than a decade and it has become a catchy marketing term for the Group of Five football programs that usually operate under the radar in Michigan, Ohio, Indiana, Illinois and New York. Attendance does tend to go down with weeknight games, keeping some students out of stadiums because they have class or homework and leading to adults staying away home because they have to work the next morning. “The tradeoff is the national exposure,” Buffalo coach Pete Lembo said. “You know November nights midweek the average fan is going to park on the couch, have a bowl of chips and salsa out in front, and watch the game from there." When the Bulls beat Ball State 51-48 in an overtime thriller on a Tuesday night earlier this month, the announced attendance was 12,708 and that appeared to be generous. There were many empty seats after halftime. “You watch the games on TV, the stadiums all look like this,” Buffalo fan Jeff Wojcicki said. “They are not packed, but it’s the only game on, and you know where to find it.” Sleep and practice schedules take a hit as well, creating another wave of challenges for students to attend class and coaches to prepare without the usual rhythm of preparing all week to play on Saturday. “Last week when we played at Ohio in Athens, we had a 4-four bus ride home and got home at about 3:30 a.m.,” Eastern Michigan center Broderick Roman said. “We still had to go to class and that was tough, but it's part of what you commit to as an athlete.” That happens a lot in November when the MAC shifts its unique schedule. During the first two weeks of the month, the conference had 10 games on Tuesdays and Wednesdays exclusively. This week, there were five games on Tuesday and Wednesday while only one was left in the traditional Saturday slot with Ball State hosting Bowling Green. Next week, Toledo plays at Akron and Kent State visits Buffalo on Tuesday night before the MAC schedule wraps up with games next Friday and Saturday to determine which teams will meet in the conference title game on Dec. 7 in Detroit. In all, MAC teams will end up playing about 75% of their games on a Saturday and the rest on November weeknights. When the Eagles wrapped up practice earlier this week, two days before they played the Bulls, tight end Jere Getzinger provided some insight into the effects of the scheduling quirk. “It's Monday, but for us it's like a Thursday,” he said. Bowling Green coach Scot Loeffler said he frankly has a hard time remembering what day it is when the schedule shift hits in November. “The entire week gets turned upside down,” Loeffler said. “It’s wild, but it’s great for the league because there’s two days a week this time of year that people around the country will watch MAC games.” AP freelance writer Jonah Bronstein contributed to this report. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football

It is an ambitious social experiment of our moment in history — one that experts say could accomplish something that parents, schools and other governments have attempted with varying degrees of success: keeping kids off social media until they turn 16. Australia’s new law, approved by its Parliament last week, is an attempt to swim against many tides of modern life — formidable forces like technology, marketing, globalization and, of course, the iron will of a teenager. And like efforts of the past to protect kids from things that parents believe they’re not ready for, the nation’s move is both ambitious and not exactly simple, particularly in a world where young people are often shaped, defined and judged by the online company they keep. The ban won’t go into effect for another year. But how will Australia be able to enforce it? That’s not clear, nor will it be easy. TikTok, Snapchat and Instagram have become so ingrained in young people’s lives that going cold turkey will be difficult. Other questions loom. Does the ban limit kids’ free expression and — especially for those in vulnerable groups — isolate them and curtail their opportunity to connect with members of their community? And how will social sites verify people’s ages, anyway? Can’t kids just get around such technicalities, as they so often do? Related Story: Platforms Will Be Held Liable The law will make platforms including TikTok, Facebook, Snapchat, Reddit, X and Instagram liable for fines of up to 50 million Australian dollars ($33 million) for systemic failures to prevent children younger than 16 from holding accounts. “It’s clear that social media companies have to be held accountable, which is what Australia is trying to do,” said Jim Steyer, president and CEO of the nonprofit Common Sense Media. Leaders and parents in countries around the world are watching Australia’s policy closely as many seek to protect young kids from the internet’s dangerous corners — and, not incidentally, from each other. Most nations have taken different routes, from parental consent requirements to minimum age limits. Many child safety experts, parents and even teens who have waited to get on social media consider Australia’s move a positive step. They say there’s ample reason to ensure that children wait. “What’s most important for kids, just like adults, is real human connection. Less time alone on the screen means more time to connect, not less,” said Julie Scelfo, the founder of Mothers Against Media Addiction, or MAMA, a grassroots group of parents aimed at combatting the harms of social media to children. “I’m confident we can support our kids in interacting in any number of ways aside from sharing the latest meme.” The harms to children from social media have been well documented in the two decades since Facebook’s launch ushered in a new era in how the world communicates. Kids who spend more time on social media, especially as tweens or young teenagers, are more likely to experience depression and anxiety, according to multiple studies — though it is not yet clear if there is a causal relationship. What’s more, many are exposed to content that is not appropriate for their age, including pornography and violence, as well as social pressures about body image and makeup. They also face bullying, sexual harassment and unwanted advances from their peers as well as adult strangers. Because their brains are not fully developed, teenagers, especially younger ones the law is focused on, are also more affected by social comparisons than adults, so even happy posts from friends can send them into a negative spiral. What Unintended Harms Could Be Caused? Many major initiatives, particularly those aimed at social engineering, can produce side effects — often unintended. Could that happen here? What, if anything, do kids stand to lose by separating kids and the networks in which they participate? Paul Taske, associate director of litigation at the tech lobbying group NetChoice, says he considers the ban “one of the most extreme violations of free speech on the world stage today” even as he expressed relief that the First Amendment prevents such law in the United States “These restrictions would create a massive cultural shift,” Taske said. “Not only is the Australian government preventing young people from engaging with issues they’re passionate about, but they’re also doing so even if their parents are ok with them using digital services,” he said. “Parents know their children and their needs the best, and they should be making these decisions for their families — not big government. That kind of forcible control over families inevitably will have downstream cultural impacts.” David Inserra, a fellow for Free Expression and Technology, Cato Institute, called the bill “about as useful as an ashtray on a motorbike” in a recent blog post. While Australia’s law doesn’t require “hard verification” such as an uploaded ID, he said, it calls for effective “age assurance.” He said no verification system can ensure accuracy while also protecting privacy and not impacting adults in the process. Privacy advocates have also raised concerns about the law’s effect on online anonymity, a cornerstone of online communications — and something that can protect teens on social platforms. “Whether it be religious minorities and dissidents, LGBTQ youth, those in abusive situations, whistleblowers, or countless other speakers in tricky situations, anonymous speech is a critical tool to safely challenge authority and express controversial opinions,” Inserra said. A spot check of kids at one mall in the Australian city of Brisbane on Wednesday didn’t turn up a great deal of worry, though. “Social media is still important because you get to talk to people, but I think it’s still good that they’re like limiting it,” said Swan Son, a 13-year-old student at Brisbane State High School. She said she has had limited exposure to social media and wouldn’t really miss it for a couple of years. Her parents already enforce a daily one-hour limit. And as for her friends? “I see them at school every day, so I think I’ll be fine.” Conor Negric, 16, said he felt he’d dodged a bullet because of his age. Still, he considers the law reasonable. “I think 16 is fine. Some kids, I know some kids like 10 who’re on Instagram, Snapchat. I only got Instagram when I was 14.” His mom, Sive Negric, who has two teenage sons, said she was happy for her boys to avoid exposure to social media too early: “That aspect of the internet, it’s a bit `meanland.'” Related Story: Other Countries Are Trying to Figure It Out, Too Parents in Britain and across Europe earlier this year organized on platforms such as WhatsApp and Telegram to promise not to buy smartphones for children younger than 12 or 13. This approach costs almost no money and requires no government enforcement. In the United States, some parents are keeping kids off social media either informally or as part of an organized campaign such as Wait Until 8th, a group that helps parents delay kids’ access to social media and phones. This fall, Norway announced plans to ban kids under 15 from using social media, while France is testing a smartphone ban for kids under 15 in a limited number of schools — a policy that could be rolled out nationwide if successful. U.S. lawmakers have held multiple congressional hearings — most recently in January — on child online safety. Still, the last federal law aimed at protecting children online was enacted in 1998, six years before Facebook’s founding. In July, the U.S. Senate overwhelmingly passed legislation designed to protect children from dangerous online content, pushing forward with what would be the first major effort by Congress in decades to hold tech companies more accountable. But the Kids Online Safety Act has since stalled in the House. Related Story: While several states have passed laws requiring age verification, those are stuck in court. Utah became the first state to pass laws regulating children’s social media use in 2023. In September, a judge issued the preliminary injunction against the law, which would have required social media companies to verify the ages of users, apply privacy settings and limit some features. NetChoice has also obtained injunctions temporarily halting similar laws in several other states. And last May, U.S. Surgeon General Vivek Murthy said there is insufficient evidence to show social media is safe for kids. He urged policymakers to treat social media like car seats, baby formula, medication and other products children use. “Why should social media products be any different? Scelfo said. “Parents cannot possibly bear the entire responsibility of keeping children safe online, because the problems are baked into the design of the products.”Analysis: Barkley is NFL's version of Ohtani

After final game, Iowa State's Jaylin Noel roasts Iowa Hawkeye fans on social mediaAnalysts' ratings for Bruker BRKR over the last quarter vary from bullish to bearish, as provided by 7 analysts. The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 1 3 3 0 0 Last 30D 0 0 1 0 0 1M Ago 0 0 1 0 0 2M Ago 1 3 1 0 0 3M Ago 0 0 0 0 0 The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $70.0, a high estimate of $75.00, and a low estimate of $60.00. Highlighting a 10.06% decrease, the current average has fallen from the previous average price target of $77.83. Breaking Down Analyst Ratings: A Detailed Examination An in-depth analysis of recent analyst actions unveils how financial experts perceive Bruker. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Dan Leonard UBS Lowers Neutral $66.00 $102.00 Matthew Sykes Goldman Sachs Maintains Neutral $60.00 $60.00 Patrick Donnelly Citigroup Lowers Buy $75.00 $80.00 Dan Brennan TD Cowen Lowers Hold $70.00 $72.00 Brandon Couillard Wells Fargo Lowers Overweight $75.00 $78.00 Terence Malone Barclays Lowers Overweight $69.00 $75.00 Terence Malone Barclays Announces Overweight $75.00 - Key Insights: Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Bruker. This information provides a snapshot of how analysts perceive the current state of the company. Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Bruker compared to the broader market. Price Targets: Understanding forecasts, analysts offer estimates for Bruker's future value. Examining the current and prior targets provides insight into analysts' changing expectations. Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Bruker's market position. Stay informed and make well-informed decisions with our Ratings Table. Stay up to date on Bruker analyst ratings. Unveiling the Story Behind Bruker Bruker Corp manufactures scientific instruments and diagnostic tests for customers in the life sciences, pharmaceutical, and biotechnology industries. It operates in four operating segments: Bruker Scientific Instruments (BSI) BioSpin, BSI CALID, BSI Nano, and Bruker Energy and Supercon Technologies (BEST). The company generates maximum revenue from the BSI CALID segment. Geographically, it derives the maximum of its revenue from Asia Pacific. A Deep Dive into Bruker's Financials Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges. Revenue Growth: Over the 3 months period, Bruker showcased positive performance, achieving a revenue growth rate of 16.37% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Health Care sector, the company excelled with a growth rate higher than the average among peers. Net Margin: Bruker's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 4.73%, the company may face hurdles in effective cost management. Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 2.27%, the company showcases effective utilization of equity capital. Return on Assets (ROA): Bruker's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.68%, the company may face hurdles in achieving optimal financial performance. Debt Management: Bruker's debt-to-equity ratio surpasses industry norms, standing at 1.34 . This suggests the company carries a substantial amount of debt, posing potential financial challenges. Analyst Ratings: What Are They? Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter. Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts. Breaking: Wall Street's Next Big Mover Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. Click here for urgent details . This article was generated by Benzinga's automated content engine and reviewed by an editor. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

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Rivers: Cleric urges Nigerians to be security conscious during Christmas celebrationBy 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. 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. 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. 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 . 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.” 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.Some Atlantic City casino workers call on union boss to resign for opposing a smoking ban