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Stocks shook off a choppy start to finish higher Monday, as Wall Street kicked off a holiday-shortened week. The S&P 500 ended 0.7% higher after having been down 0.5% in the early going. The Dow Jones Industrial Average also recovered from an early slide to eke out a 0.2% gain. The tech-heavy Nasdaq composite rose 1%. Gains in technology and communications stocks accounted for much of the gains, outweighing losses in consumer goods companies and elsewhere in the market. Semiconductor giant Nvidia, whose enormous valuation gives it an outsize influence on indexes, rose 3.7%. Broadcom climbed 5.5% to also help support the broader market. Walmart fell 2% and PepsiCo slid 1%. Japanese automakers said they are talking about combining in a deal that might also include Mitsubishi Motors. U.S.-listed shares in Honda jumped 12.7%, while Nissan ended flat. Eli Lilly rose 3.7% after announcing that regulators approved Zepbound as the first and only prescription medicine for adults with sleep apnea. Department store Nordstrom fell 1.5% after it agreed to be taken private by Nordstrom family members and a Mexican retail group in a $6.25 billion deal. All told, the S&P 500 rose 43.22 points to 5,974.07. The Dow gained 66.69 points to 42,906.95. The Nasdaq rose 192.29 points to 19,764.89. Traders got a look at a new snapshot of U.S. consumer confidence Monday. The Conference Board said that consumer confidence slipped in December. Its consumer confidence index fell back to 104.7 from 112.8 in November. Wall Street was expecting a reading of 113.8. The unexpectedly weak consumer confidence update follows several generally strong economic reports last week. One report showed the overall during the summer, faster than earlier thought. The latest report on unemployment benefit applications showed that the job market remains solid. A report on Friday said a measure of inflation the Federal Reserve likes to use was slightly lower last month than economists expected. Worries about inflation edging higher again had been weighing on Wall Street and the Fed. The central bank just delivered its third cut to interest rates this year, but inflation has been hovering stubbornly above its target of 2%. It has signaled that it could deliver fewer cuts to interest rates next year than it earlier anticipated because of concerns over inflation. Expectations for more interest rate cuts have helped drive a roughly 25% gain for the S&P 500 in 2024. That drive included 57 this year. Inflation concerns have added to uncertainties heading into 2025, which include the labor market's path ahead and shifting economic policies under an incoming President Donald Trump. "Put simply, much of the strong market performance prior to last week was driven by expectations that a best-case scenario was the base case for 2025," said Brent Schutte, chief investment officer at Northwestern Mutual Wealth Management Company Treasury yields rose in the bond market. The yield on the 10-year Treasury rose to 4.59% from 4.53% late Friday. European markets closed mostly lower, while markets in Asia gained ground. Wall Street has several other economic reports to look forward to this week. On Tuesday, the U.S. will release its November report for sales of newly constructed homes. A weekly update on unemployment benefits is expected on Thursday. Markets in the U.S. will close at 1 p.m. Eastern on Tuesday for Christmas Eve and will remain closed on Wednesday for Christmas.The Gophers football program continued to address its needs along the offensive line on Saturday, getting commitments from Washington left tackle Kahlee Tafai and Kentucky left guard Dylan Ray out of the NCAA transfer portal. ADVERTISEMENT The U has four starters leaving after this season, including both tackles — Aireontae Ersery to the NFL Draft and Phillip Daniels in a transfer to Ohio State — and both senior guards Quinn Carroll and Tyler Cooper. The Gophers have added 13 total players through the transfer portal, including right guard Marcellus Marshall (Central Florida). Tafai Tafai, who is listed at 6-foot-5 and 330 pounds, moved into the Huskies’ starting lineup during his freshman season in 2024. He has three years of eligibility remaining. A native of Lawndale, Calif., Tafai played 267 offensive snaps in the Big Ten last season but had a low 38.5 overall grade from Pro Football Focus in his first extensive college experience. He also played a few snaps at right tackle a year ago. ADVERTISEMENT Ray Ray, who is listed at 6-6 and 310, has played more than 1,000 snaps over the last two seasons for Kentucky after beginning his career with two years at West Virginia. He started 10 games for the SEC program in 2023, but only two last year. The Noblesville, Ind., native had a near-average grade of 57.5 from PFF in 2024. He has one year of eligibility remaining for the U next fall. ______________________________________________________ This story was written by one of our partner news agencies. Forum Communications Company uses content from agencies such as Reuters, Kaiser Health News, Tribune News Service and others to provide a wider range of news to our readers. Learn more about the news services FCC uses here .
Adobe Stock image Seniors Helping Seniors, a Pennsylvania-based company founded in 1998 that provides in-home senior care, has come to the Central Valley with a more personalized way of giving support to older family members. The new franchise was started by Susan Delaney earlier this year after 25 years in the cybersecurity industry. It hires seniors to act as caregivers for other seniors. After becoming dissatisfied with the corporate world, Delaney searched for a way to use her skills to have a direct impact on the local community. “I remember doing a double take. Not only do I get to help seniors live independently in their homes that they love, but I also get to provide employment to those folks that the corporate world no longer saw value in,” Delaney said. Her grandmother was one of the largest contributors to her decision to pursue this new line of work. According to Delaney, her grandmother was an “icon of kindness and compassion” when living with her family and volunteering in her local community and the Salvation Army. “She quickly deteriorated there. And I believe, in part, it’s because she wasn’t around her family. She was in a strange place.” Delaney said. During her visits to her grandmother, Delaney noticed the toll the environment took on her childhood hero, showing her the importance of community for this neglected part of our society. Services can be tailored to each senior. Home care is targeted at every day, casual support including housekeeping, personal care and pet care. While providers are not required to have any medical certifications, they’ve received the basic training required by the Department of Social Services. But what is most important to Delaney is the compatibility between the seniors. “There’s a real special thing that happens between the two seniors because they have that peer-to-peer care experience,” Delaney said. The current goals for Seniors Helping Seniors are to add 100 more caregiving seniors and grow their client base by at least 80. “I think we have the right recipe. I’m just really stoked to get started now,” Delaney said. Contact Seniors Helping Seniors at shsgreaterfresno.com or by phone at (559) 500-3070. Seniors Helping Seniors, a Pennsylvania-based company founded in 1998 that California's poultry and dairy industries are being slammed by rampant Craig Castro, who has served nearly 23 of his 40-year Two Fresno physicians have agreed to pay a combined $2.43
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ATLANTA — Jimmy Carter, the peanut farmer who won the presidency in the wake of the Watergate scandal and Vietnam War, endured humbling defeat after one tumultuous term and then redefined life after the White House as a global humanitarian, has died. He was 100 years old. The longest-lived American president died on Sunday, more than a year after entering hospice care , at his home in the small town of Plains, Georgia, where he and his wife, Rosalynn, who died at 96 in November 2023 , spent most of their lives, The Carter Center said. “Our founder, former U.S. President Jimmy Carter, passed away this afternoon in Plains, Georgia,” the center said in posting about his death on the social media platform X. It added in a statement that he died peacefully, surrounded by his family. Businessman, Navy officer, evangelist, politician, negotiator, author, woodworker, citizen of the world — Carter forged a path that still challenges political assumptions and stands out among the 45 men who reached the nation’s highest office. The 39th president leveraged his ambition with a keen intellect, deep religious faith and prodigious work ethic, conducting diplomatic missions into his 80s and building houses for the poor well into his 90s. “My faith demands — this is not optional — my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can, with whatever I have to try to make a difference,” Carter once said. In this Nov. 3, 2019, file photo, former President Jimmy Carter teaches Sunday school at Maranatha Baptist Church in Plains, Ga. A moderate Democrat, Carter entered the 1976 presidential race as a little-known Georgia governor with a broad smile, outspoken Baptist mores and technocratic plans reflecting his education as an engineer. His no-frills campaign depended on public financing, and his promise not to deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter repeated before narrowly beating Republican incumbent Gerald Ford, who had lost popularity pardoning Nixon. Carter governed amid Cold War pressures, turbulent oil markets and social upheaval over racism, women’s rights and America’s global role. His most acclaimed achievement in office was a Mideast peace deal that he brokered by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at the bargaining table for 13 days in 1978. That Camp David experience inspired the post-presidential center where Carter would establish so much of his legacy. Yet Carter’s electoral coalition splintered under double-digit inflation, gasoline lines and the 444-day hostage crisis in Iran. His bleakest hour came when eight Americans died in a failed hostage rescue in April 1980, helping to ensure his landslide defeat to Republican Ronald Reagan. Carter acknowledged in his 2020 “White House Diary” that he could be “micromanaging” and “excessively autocratic,” complicating dealings with Congress and the federal bureaucracy. He also turned a cold shoulder to Washington’s news media and lobbyists, not fully appreciating their influence on his political fortunes. “It didn’t take us long to realize that the underestimation existed, but by that time we were not able to repair the mistake,” Carter told historians in 1982, suggesting that he had “an inherent incompatibility” with Washington insiders. Carter insisted his overall approach was sound and that he achieved his primary objectives — to “protect our nation’s security and interests peacefully” and “enhance human rights here and abroad” — even if he fell spectacularly short of a second term. FILE - From left, President Barack Obama, former President Jimmy Carter, first lady Michelle Obama and former President Bill Clinton wave from the Lincoln Memorial in Washington during a celebration of the 50th anniversary of the March on Washington where Martin Luther King Jr. spoke, Aug. 28, 2013. Ignominious defeat, though, allowed for renewal. The Carters founded The Carter Center in 1982 as a first-of-its-kind base of operations, asserting themselves as international peacemakers and champions of democracy, public health and human rights. “I was not interested in just building a museum or storing my White House records and memorabilia,” Carter wrote in a memoir published after his 90th birthday. “I wanted a place where we could work.” That work included easing nuclear tensions in North and South Korea, helping to avert a U.S. invasion of Haiti and negotiating cease-fires in Bosnia and Sudan. By 2022, The Carter Center had declared at least 113 elections in Latin America, Asia and Africa to be free or fraudulent. Recently, the center began monitoring U.S. elections as well. Carter’s stubborn self-assuredness and even self-righteousness proved effective once he was unencumbered by the Washington order, sometimes to the point of frustrating his successors . He went “where others are not treading,” he said, to places like Ethiopia, Liberia and North Korea, where he secured the release of an American who had wandered across the border in 2010. “I can say what I like. I can meet whom I want. I can take on projects that please me and reject the ones that don’t,” Carter said. He announced an arms-reduction-for-aid deal with North Korea without clearing the details with Bill Clinton’s White House. He openly criticized President George W. Bush for the 2003 invasion of Iraq. He also criticized America’s approach to Israel with his 2006 book “Palestine: Peace Not Apartheid.” And he repeatedly countered U.S. administrations by insisting North Korea should be included in international affairs, a position that most aligned Carter with Republican President Donald Trump. Among the center’s many public health initiatives, Carter vowed to eradicate the guinea worm parasite during his lifetime, and nearly achieved it: Cases dropped from millions in the 1980s to nearly a handful. With hardhats and hammers, the Carters also built homes with Habitat for Humanity. The Nobel committee’s 2002 Peace Prize cites his “untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” Carter should have won it alongside Sadat and Begin in 1978, the chairman added. Carter accepted the recognition saying there was more work to be done. “The world is now, in many ways, a more dangerous place,” he said. “The greater ease of travel and communication has not been matched by equal understanding and mutual respect.” FILE - Jimmy Carter gives his acceptance speech after accepting the Democratic nomination for president on the convention floor, July 15, 1976, at New York's Madison Square Garden. Carter’s globetrotting took him to remote villages where he met little “Jimmy Carters,” so named by admiring parents. But he spent most of his days in the same one-story Plains house — expanded and guarded by Secret Service agents — where they lived before he became governor. He regularly taught Sunday School lessons at Maranatha Baptist Church until his mobility declined and the coronavirus pandemic raged. Those sessions drew visitors from around the world to the small sanctuary where Carter will receive his final send-off after a state funeral at Washington’s National Cathedral. The common assessment that he was a better ex-president than president rankled Carter and his allies. His prolific post-presidency gave him a brand above politics, particularly for Americans too young to witness him in office. But Carter also lived long enough to see biographers and historians reassess his White House years more generously. His record includes the deregulation of key industries, reduction of U.S. dependence on foreign oil, cautious management of the national debt and notable legislation on the environment, education and mental health. He focused on human rights in foreign policy, pressuring dictators to release thousands of political prisoners . He acknowledged America’s historical imperialism, pardoned Vietnam War draft evaders and relinquished control of the Panama Canal. He normalized relations with China. “I am not nominating Jimmy Carter for a place on Mount Rushmore,” Stuart Eizenstat, Carter’s domestic policy director, wrote in a 2018 book. “He was not a great president” but also not the “hapless and weak” caricature voters rejected in 1980, Eizenstat said. Rather, Carter was “good and productive” and “delivered results, many of which were realized only after he left office.” Madeleine Albright, a national security staffer for Carter and Clinton’s secretary of state, wrote in Eizenstat’s forward that Carter was “consequential and successful” and expressed hope that “perceptions will continue to evolve” about his presidency. “Our country was lucky to have him as our leader,” said Albright, who died in 2022. Jonathan Alter, who penned a comprehensive Carter biography published in 2020, said in an interview that Carter should be remembered for “an epic American life” spanning from a humble start in a home with no electricity or indoor plumbing through decades on the world stage across two centuries. “He will likely go down as one of the most misunderstood and underestimated figures in American history,” Alter told The Associated Press. FILE - President Jimmy Carter and first lady Rosalynn Carter are pictured with their daughter Amy at the first of seven inaugural balls in Washington, Jan. 20, 1977, at the Pension Building. James Earl Carter Jr. was born Oct. 1, 1924, in Plains and spent his early years in nearby Archery. His family was a minority in the mostly Black community, decades before the civil rights movement played out at the dawn of Carter’s political career. Carter, who campaigned as a moderate on race relations but governed more progressively, talked often of the influence of his Black caregivers and playmates but also noted his advantages: His land-owning father sat atop Archery’s tenant-farming system and owned a main street grocery. His mother, Lillian , would become a staple of his political campaigns. Seeking to broaden his world beyond Plains and its population of fewer than 1,000 — then and now — Carter won an appointment to the U.S. Naval Academy, graduating in 1946. That same year he married Rosalynn Smith, another Plains native, a decision he considered more important than any he made as head of state. She shared his desire to see the world, sacrificing college to support his Navy career. Carter climbed in rank to lieutenant, but then his father was diagnosed with cancer, so the submarine officer set aside his ambitions of admiralty and moved the family back to Plains. His decision angered Rosalynn, even as she dived into the peanut business alongside her husband. Carter again failed to talk with his wife before his first run for office — he later called it “inconceivable” not to have consulted her on such major life decisions — but this time, she was on board. “My wife is much more political,” Carter told the AP in 2021. He won a state Senate seat in 1962 but wasn’t long for the General Assembly and its back-slapping, deal-cutting ways. He ran for governor in 1966 — losing to arch-segregationist Lester Maddox — and then immediately focused on the next campaign. Carter had spoken out against church segregation as a Baptist deacon and opposed racist “Dixiecrats” as a state senator. Yet as a local school board leader in the 1950s he had not pushed to end school segregation even after the Supreme Court's Brown v. Board of Education decision, despite his private support for integration. And in 1970, Carter ran for governor again as the more conservative Democrat against Carl Sanders, a wealthy businessman Carter mocked as “Cufflinks Carl.” Sanders never forgave him for anonymous, race-baiting flyers, which Carter disavowed. Ultimately, Carter won his races by attracting both Black voters and culturally conservative whites. Once in office, he was more direct. “I say to you quite frankly that the time for racial discrimination is over,” he declared in his 1971 inaugural address, setting a new standard for Southern governors that landed him on the cover of Time magazine. FILE - President Jimmy Carter leans across the roof of his car to shake hands along the parade route through Bardstown, Ky., July 31, 1979. The president climbed on top of the car as the parade moved toward the high school gym, where a town meeting was held. His statehouse initiatives included environmental protection, boosting rural education and overhauling antiquated executive branch structures. He proclaimed Martin Luther King Jr. Day in the slain civil rights leader’s home state. And he decided, as he received presidential candidates in 1972, that they were no more talented than he was. In 1974, he ran Democrats’ national campaign arm. Then he declared his own candidacy for 1976. An Atlanta newspaper responded with the headline: “Jimmy Who?” The Carters and a “Peanut Brigade” of family members and Georgia supporters camped out in Iowa and New Hampshire, establishing both states as presidential proving grounds. His first Senate endorsement: a young first-termer from Delaware named Joe Biden. Yet it was Carter’s ability to navigate America’s complex racial and rural politics that cemented the nomination. He swept the Deep South that November, the last Democrat to do so, as many white Southerners shifted to Republicans in response to civil rights initiatives. A self-declared “born-again Christian,” Carter drew snickers by referring to Scripture in a Playboy magazine interview, saying he “had looked on many women with lust. I’ve committed adultery in my heart many times.” The remarks gave Ford a new foothold and television comedians pounced — including NBC’s new “Saturday Night Live” show. But voters weary of cynicism in politics found it endearing. Carter chose Minnesota Sen. Walter “Fritz” Mondale as his running mate on a “Grits and Fritz” ticket. In office, he elevated the vice presidency and the first lady’s office. Mondale’s governing partnership was a model for influential successors Al Gore, Dick Cheney and Biden. Rosalynn Carter was one of the most involved presidential spouses in history, welcomed into Cabinet meetings and huddles with lawmakers and top aides. The Carters presided with uncommon informality: He used his nickname “Jimmy” even when taking the oath of office, carried his own luggage and tried to silence the Marine Band’s “Hail to the Chief.” They bought their clothes off the rack. Carter wore a cardigan for a White House address, urging Americans to conserve energy by turning down their thermostats. Amy, the youngest of four children, attended District of Columbia public school. Washington’s social and media elite scorned their style. But the larger concern was that “he hated politics,” according to Eizenstat, leaving him nowhere to turn politically once economic turmoil and foreign policy challenges took their toll. FILE - Former President Jimmy Carter uses a hand saw to even an edge as he works on a Habitat for Humanity home in Pikeville, Ky., June 16, 1997. Carter partially deregulated the airline, railroad and trucking industries and established the departments of Education and Energy, and the Federal Emergency Management Agency. He designated millions of acres of Alaska as national parks or wildlife refuges. He appointed a then-record number of women and nonwhite people to federal posts. He never had a Supreme Court nomination, but he elevated civil rights attorney Ruth Bader Ginsburg to the nation’s second highest court, positioning her for a promotion in 1993. He appointed Paul Volker, the Federal Reserve chairman whose policies would help the economy boom in the 1980s — after Carter left office. He built on Nixon’s opening with China, and though he tolerated autocrats in Asia, pushed Latin America from dictatorships to democracy. But he couldn’t immediately tame inflation or the related energy crisis. And then came Iran. After he admitted the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979 by followers of the Ayatollah Ruhollah Khomeini. Negotiations to free the hostages broke down repeatedly ahead of the failed rescue attempt. The same year, Carter signed SALT II, the new strategic arms treaty with Leonid Brezhnev of the Soviet Union, only to pull it back, impose trade sanctions and order a U.S. boycott of the Moscow Olympics after the Soviets invaded Afghanistan. Hoping to instill optimism, he delivered what the media dubbed his “malaise” speech, although he didn’t use that word. He declared the nation was suffering “a crisis of confidence.” By then, many Americans had lost confidence in the president, not themselves. Carter campaigned sparingly for reelection because of the hostage crisis, instead sending Rosalynn as Sen. Edward M. Kennedy challenged him for the Democratic nomination. Carter famously said he’d “kick his ass,” but was hobbled by Kennedy as Reagan rallied a broad coalition with “make America great again” appeals and asking voters whether they were “better off than you were four years ago.” Reagan further capitalized on Carter’s lecturing tone, eviscerating him in their lone fall debate with the quip: “There you go again.” Carter lost all but six states and Republicans rolled to a new Senate majority. Carter successfully negotiated the hostages’ freedom after the election, but in one final, bitter turn of events, Tehran waited until hours after Carter left office to let them walk free. At 56, Carter returned to Georgia with “no idea what I would do with the rest of my life.” Four decades after launching The Carter Center, he still talked of unfinished business. “I thought when we got into politics we would have resolved everything,” Carter told the AP in 2021. “But it’s turned out to be much more long-lasting and insidious than I had thought it was. I think in general, the world itself is much more divided than in previous years.” Still, he affirmed what he said when he underwent treatment for a cancer diagnosis in his 10th decade of life. “I’m perfectly at ease with whatever comes,” he said in 2015 . “I’ve had a wonderful life. I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” Former Associated Press journalist Alex Sanz contributed to this report. Jimmy Carter is shown at age 6, with his sister, Gloria, 4, in 1931 in Plains, Georgia. (AP Photo) This is a 1932 photo of Jimmy Carter at age 7 in Plains, Ga. (AP Photo) Lt. Jimmy Carter peers at instruments on submarine USS K-1 in a 1952 photo. Directly in front of Carter, smoking a cigar, is Don Dickson. He had forgotten he ever served with Carter until he came upon the photo during Christmas, 1977. A friend got it to the White House where Carter wrote: "To my friend Donald Dickson - Jimmy Carter, USS K-1 to White House." (AP Photo) FILE - In this Sept. 15, 1966 file photo, then Georgia State Sen. Jimmy Carter hugs his wife, Rosalynn, at his Atlanta campaign headquarters. Jimmy Carter, winner in Georgia's runoff primary in the Democratic Party to determine the party's candidate for the November election for governor, 1970. (AP Photo) Former State Sen. Jimmy Carter listens to applause at the Capitol in Atlanta on April 3, 1970, after announcing his candidacy or governor. In background, his wife Rosalyn holds two-year-old daughter Amy who joined in the applause. Carter, 45, of Plains, Ga., finished third in the 1966 Democratic Primary behind Gov. Lester Maddox and Ellis Arnall. (AP Photo/Charles Kelly) Democratic gubernatorial nominee Jimmy Carter and his wife Rosalynn clutch the microphones as he claims victory in a runoff election at campaign headquarters in Atlanta, Georgia, September 24, 1970. Carter beat former Georgia Governor Carl Sanders for the nomination and will face Republican candidate Hal Suit, veteran television newsman, in the general election Nov. 3, 1970. (AP Photo/Charles Kelly) Former state Sen. Jimmy Carter breaks into a broad smile after early returns gave him a lead of almost 2-1 in the Democratic runoff against former Gov. Carl Sanders, Sept. 23, 1970, in Atlanta, Ga. The winner will meet the Republic Hal Suit for the governorship of Georgia on the Nov. 3 general election. (AP Photo/Charles Kelly) Governor-elect Jimmy Carter and his daughter Amy, 3, walk about the grounds by the fountain at the Governor's Mansion in Atlanta, Ga., Jan. 10, 1971, as they get to know the place where they will live for the next four years. Carter will be sworn in as governor of Georgia Tuesday. (AP Photo) Judge Robert H. Jordan administers the oath of office to Gov. Jimmy Carter during ceremonies at the state capitol in Atlanta. Ga., Jan. 12, 1971. Next to the judge is former Gov. Lester Maddox, who will take over as lieutenant governer of Georgia. (AP Photo) Jimmy Carter of Georgia, seen here Feb. 6, 1971, already described as a symbol of a new breed of moderate southern politician, says that the race question has ceased to be a major issue "between or among candidates" running for office in the old confederacy. (AP Photo) Jimmy Carter, Governor of Georgia, is shown at his desk in Atlanta, on February 19, 1971. (AP Photo) Georgia's Gov. Jimmy Carter reaches for pen February 25, 1972 to sign a Georgia Senate House resolution opposing forced busing to achieve integration in the classrooms of the United States. Georgia Gov. Jimmy Carter joins a half-dozen Rockettes in a high kick, September 21, 1973, at Radio City Music Hall in New York, while visiting backstage before an afternoon performance. Carter is in New York to induce the film industry to make pictures in his state. (AP Photo/stf) Georgia Gov. Jimmy Carter, right, and Delaware Gov. Sherman Tribbitt say hello to Atlanta Braves Hank Aaron, left, following a rain canceled game with the Los Angeles Dodgers, Thursday, Sept. 27, 1973, Atlanta, Ga. The cancellation slowed Aaron’s opportunity to tie or break Babe Ruth’s home run record. (AP Photo) Georgia Gov. Jimmy Carter spoke to 18,000 messengers to the Southern Baptist Convention on Thursday, June 13, 1974 in Dallas, Texas. He urged Baptists to use their personal and political influence to return the nation to ideals of stronger commitment and higher ethics. He said "there is no natural division between a man's Christian life and his political life." (AP Photo/Greg Smith) Georgia Gov. Jimmy Carter tells a gathering, Saturday, Oct. 5, 1974 at the National Press Club in Washington about his ideas concerning energy conservation. (AP Photo) In this Thursday, Aug. 14, 1975 file photo, former Georgia Gov. Jimmy Carter announces in Washington that he qualified for federal matching funds to help finance his campaign for the 1976 Democratic presidential nomination. Former Georgia Gov. Jimmy Carter, right, drew about 5,000 people to Youngstown's Federal Plaza in Youngstown, Ohio, in his quest for support in Tuesday's Ohio Democratic primary, June 7, 1976. The presidential hopeful waded into the crowd, shaking hands and signing autographs. Carter, speaking to the largest crowd to assemble during his Ohio campaign, said 1976 would be a Democratic year because of the Watergate aftermath and other national ills. (AP Photo) In this Monday, Aug. 23, 1976 file photo, Democratic presidential candidate Jimmy Carter gives an informal press conference in Los Angeles during a campaign tour through the West and Midwest. On Wednesday, Aug. 12, 2015. (AP Photo) Democratic Presidential nominee Jimmy Carter, left, eats some freshly roasted barbecue chicken with his brother Billy Carter at Billy's gas station, Sept 11, 1976, Plains, Ga. The nominee had returned the night before from a week of campaigning, and planned to hold an impromptu press conference at the gas station. (AP Photo/Jeff Taylor) Democratic presidential nominee, Jimmy Carter, is all smiles as he talks with his brother Billy at the Carter Family Peanut warehouse, September 18, 1976. (AP Photo) Jimmy Carter stands in a large mound of peanuts at the Carter Peanut Warehouse in Plains, Ga., September 22, 1976. The Democratic party presidential nominee took an early morning walk through the warehouse to inspect some of the harvest. (AP Photo) FILE - In this Oct. 6, 1976 file photo with his wife Rosalynn Carter looking on at center, Democratic presidential candidate Jimmy Carter, center left, shakes hands with President Gerald Ford at the conclusion of their debate at the Palace of Fine Arts Theater in San Francisco, Calif. (AP Photo, File) Jimmy Carter, Democratic candidate for president, is joined by his daughter, Amy, as he waves from the rostrum at Fort Worth Convention Center, Texas, Sunday, Nov. 1, 1976. Carter and his family have been campaigning Texas, making a last minute bid for the state's 26 electoral votes. The others are not identified. (AP Photo) U.S. President-elect Jimmy Carter waves to supporters as he is surrounded by family members at a hotel in Atlanta, Ga., on Nov. 3, 1976. Carter won the presidential election by 297 electoral votes to 241 for Ford. Standing next to him is his wife, Rosalynn, and their daughter Amy Lynn, far right. The others are unidentified. (AP Photo) President-elect Jimmy Carter and his wife Rosalynn wipe tears from their eyes after returning to their home town in Plains, Ga., Nov. 3, 1976. The Carter family was greeted by local residents after returning from Atlanta. (AP Photo) President-elect Jimmy Carter leans over to shake hands with some of the people riding the "Peanut Special" to Washington D.C., Jan. 19, 1977. They will travel all night, arriving in Washington in time for Carter's inauguration as President tomorrow. (AP Photo) Jimmy Carter takes the oath of office as the nation's 39th president during inauguration ceremonies in Washington, D.C., on Jan. 20, 1977. Carter's wife, Rosalynn, holds the Bible used in the first inauguration by George Washington as U.S. Chief Justice Warren Burger administers the oath. Looking on at left are, Happy Rockefeller, Betty Ford, Joan Mondale, Amy Carter, and outgoing President Gerald Ford. Behind Carter is Vice President Walter Mondale. At far right is former Vice President Nelson Rockefeller. (AP Photo) Rosalynn Carter, left, looks up at her husband Jimmy Carter as he takes the oath of office as the 39th President of the United States at the Capitol, Thursday, Jan. 20, 1977, Washington, D.C. Mrs. Carter held a family Bible for her husband. (AP Photo) Jimmy Carter and first lady Rosalynn Carter walk down Pennsylvania Avenue after Carter was sworn in as the nations 39th President, Jan. 20, 1977, Washington, D.C. (AP Photo) FILE - In this Thursday, Jan. 20, 1977 file photo, President Jimmy Carter waves to the crowd while walking with his wife, Rosalynn, and their daughter, Amy, along Pennsylvania Avenue from the Capitol to the White House following his inauguration in Washington. (AP Photo/Suzanne Vlamis) In this Jan. 24, 1977 file photo, President Jimmy Carter is interviewed in the Oval Office of the White House in Washington. In this file photo dated May 1977, U.S. President Jimmy Carter, right, and Britain's Queen Elizabeth II with French President Valery Giscard d'Estaing, at Buckingham Palace in London. In this Feb. 20, 1978, file photo, President Jimmy Carter listens to Sen. Joseph R. Biden, D-Del., as they wait to speak at fund raising reception at Padua Academy in Wilmington, Del. (AP Photo/Barry Thumma, File) President Jimmy Carter tucks his thumbs into his jeans and laughs as he prepares to head down the Salmon River in Idaho August 1978 for a three day rubber raft float. (AP Photo) United States President Jimmy Carter, on a visit to West Germany in 1978, rides with Chancellor Helmut Schmidt during a review of United States Forces at a base near Frankfurt. (AP Photo) Egyptian President Anwar Sadat, left, U.S. President Jimmy Carter, center, and Israeli Prime Minister Menachem Begin clasp hands on the north lawn of the White House after signing the peace treaty between Egypt and Israel on March 26, 1979. (AP Photo/ Bob Daugherty) President Jimmy Carter, left, and Soviet President Leonid Brezhnev, right, sign the documents of the SALT II Treaty in the Vienna Imperial Hofburg Palace, Monday, June 18, 1979, Vienna, Austria. President Jimmy Carter leans across the roof of his car to shake hands along the parade route through Bardstown, Ky., Tuesday afternoon, July 31, 1979. The president climbed on top of the car as the parade moved toward the high school gym, where a town meeting was held. (AP Photo/Bob Daugherty) In this April 25, 1980 file photo, President Jimmy Carter prepares to make a national television address from the Oval Office at the White House in Washington, on the failed mission to rescue the Iran hostages. President Jimmy Carter applauds as Sen. Edward Kennedy waves to cheering crowds of the Democratic National Convention in New York's Madison Square Garden, Aug. 14, 1980. (AP Photo/Bob Daugherty) President Jimmy Carter raises a clenched fist during his address to the Democratic Convention, August 15, 1980, in New York's Madison Square Garden where he accepted his party's nomination to face Republican Ronald Reagan in the general election. (AP Photo/stf) Massachusetts Senator Edward M. Kennedy greets President Jimmy Carter after he landed at Boston's Logan Airport, Aug. 21, 1980. President Carter is in Boston to address the American Legion Convention being held in Boston. (AP Photo) President Jimmy Carter, left, and Gov. Bill Clinton of Arkansas enjoy a chuckle during a rally for Carter in Texarkana, Texas, Oct. 22, 1980. Texarkana was the last stop for Carter on a three-city one-day campaign swing through Texas. (AP Photo/John Duricka) In this Oct. 28, 1980 file photo, President Jimmy Carter shakes hands with Republican Presidential candidate Ronald Reagan after debating in the Cleveland Music Hall in Cleveland. (AP Photo/Madeline Drexler, File) Former US President Jimmy Carter, who had negotiated for the hostages release right up to the last hours of his Presidency, lifts his arm to the crowd, while putting his other hand around the shoulders of a former hostage in Iran, believed to be Bruce Laingen, at US AIR Force Hospital in Wiesbaden, Germany, Wednesday, January 21, 1981. Former Pres. Jimmy Carter, center, is joined by his wife Rosalynn and his brother Billy Carter during session of the Democratic National Convention, Tuesday, July 19, 1988, Atlanta, Ga. Billy had been recently diagnosed with cancer. (AP Photo/Bob Daugherty) Former U.S. President Jimmy Carter speaks to newsmen as PLO Chairman Yasser Arafat, right, looks on after the two men met in Paris Wednesday, April 4, 1990. Carter said he felt some leaders did not represent the region's yearning for peace. (AP Photo/Pierre Gieizes) Former U.S. President Jimmy Carter, center, introduces his wife Rosalynn, right, to Chinese Communist Party General Secretary Jiang Zemin, April 14, 1991 in Beijing. (AP Photo/Mark Avery) Former President Jimmy Carter gestures at a United Nations news conference in New York, April 23, 1993 about the world conference on Human Rights to be held by the United Nations in Vienna June 14-25. (AP Photo/Richard Drew) Former Presidents George Bush, left, and Jimmy Carter, right, stand with President Clinton and wave to volunteers during a kick-off rally for the President's Volunteer Summit at Marcus Foster Stadium in Philladelphia, PA., Sunday morning April 27, 1997. (AP Photo/Stephan Savoia) President Bill Clinton presents former President Jimmy Carter, right, with the Presidential Medal of Freedom, the nation's highest civilian honor, during a ceremony at the Carter Center in Atlanta Monday, Aug. 9, 1999. (AP Photo/John Bazemore) Former U.S. President Jimmy Carter adjusts his glasses during a press conference in Managua, Nicaragua, Thursday, July 6, 2006. The former president and 2002 Nobel Peace Prize winner is heading a delegation from the democracy-promoting Carter Center, based at Emory University in Atlanta, Georgia, to observe preparations for Nicaragua's Nov. 5 presidential election. (AP Photo/Esteban Felix) In this Friday, Dec. 8, 2006 file photo, former President Jimmy Carter signs copies of his book "Palestine: Peace Not Apartheid" at the Carter Center in Atlanta, Ga. (AP Photo/Ric Feld) Former President George H.W. Bush, left, watches as Jimmy Carter and Bill Clinton chat during a dedication ceremony for the Billy Graham Library in Charlotte, N.C., Thursday, May 31, 2007. (AP Photo/Gerry Broome) Former President Jimmy Carter poses for a portrait during the Toronto International Film Festival in Toronto, Monday, Sept. 10, 2007. (AP Photo/Carolyn Kaster) Former President Jimmy Carter poses on the red carpet for the documentary film, "Jimmy Carter: Man From Plains" during the Toronto International Film Festival in Toronto, Monday, Sept. 10, 2007. (AP Photo/Carolyn Kaster) Former President Jimmy Carter, right, and his wife Rosalynn wave to the audience at the Democratic National Convention in Denver, Monday, Aug. 25, 2008. (AP Photo/Jae C. Hong) Former President Jimmy Carter, right, and former first lady Rosalynn Carter are seen on stage at the Democratic National Convention in Denver, Monday, Aug. 25, 2008. (AP Photo/Paul Sancya) Former President Jimmy Carter waves to the crowd as he goes on stage at the Democratic National Convention in Denver, Monday, Aug. 25, 2008.(AP Photo/Paul Sancya) Former President Jimmy Carter, right, is seen with Democratic vice presidential candidate Sen. Joe Biden, D-Del., at the Democratic National Convention in Denver, Tuesday, Aug. 26, 2008. (AP Photo/Paul Sancya) President-elect Barack Obama is welcomed by President George W. Bush for a meeting at the White House in Washington, Wednesday, Jan. 7, 2009, with former presidents, from left, George H.W. Bush, Bill Clinton and Jimmy Carter. (AP Photo/J. Scott Applewhite) In this photo taken Saturday, May 29, 2010, former South Africa president Nelson Mandela, right, reacts with former US president Jimmy Carter, during a reunion with The Elders, three years after he launched the group, in Johannesburg, South Africa. (AP Photo/Jeff Moore, Pool) Former US President Jimmy Carter, center, one of the delegates of the Elders group of retired prominent world figures, holds a Palestinian child during a visit to the east Jerusalem neighborhood of Silwan, Thursday, Oct. 21, 2010. (AP Photo/Menahem Kahana, Pool) Former President Jimmy Carter, 86, leads Habitat for Humanity volunteers to help build and repair houses in Washington's Ivy City neighborhood, Monday, Oct. 4, 2010. (AP Photo/J. Scott Applewhite) FILE - In this Friday, Oct. 22, 2010 file photo, former president of Ireland, Mary Robinson, background right, looks at former U.S. president, Jimmy Carter, center, while visiting a weekly protest in the east Jerusalem neighborhood of Sheikh Jarrah. The protest was organized by groups supporting Palestinians evicted from their homes in east Jerusalem by Israeli authorities. (AP Photo/Bernat Armangue) Former U.S. President Jimmy Carter, his wife, Rosalynn, and former UN Secretary General Kofi Annan conclude a visit to a polling center the southern capital of Juba Sunday, Jan. 9, 2011. (AP Photo/Pete Muller) Former President Jimmy Carter signs his name in the guest book at the Jewish Community center in Havana, Cuba, Monday March 28, 2011. Carter arrived in Cuba to discuss economic policies and ways to improve Washington-Havana relations, which are even more tense than usual over the imprisonment of Alan Gross, a U.S. contractor, on the island. C (AP Photo/Adalberto Roque, Pool) Former U.S. President Jimmy Carter pauses during an interview as he and his wife Rosalynn visit a Habitat for Humanity project in Leogane, Haiti, Monday Nov. 7, 2011. The Carters joined volunteers from around the world to build 100 homes in partnership with earthquake-affected families in Haiti during a week-long Habitat for Humanity housing project. (AP Photo/Ramon Espinosa) Former U.S. President Jimmy Carter, sits prior to a meeting with Israel's President Shimon Peres at the President's residence in Jerusalem, Sunday, Oct. 21, 2012. Peres met two of 'The Elders', a group composed of eminent global leaders brought together by Nelson Mandela. (AP Photo/Sebastian Scheiner) Former U.S. President Jimmy Carter watches baseball players work out before Game 2 of the National League Division Series between the Atlanta Braves and the Los Angeles Dodgers, Friday, Oct. 4, 2013, in Atlanta. (AP Photo/Dave Martin) Former President Jimmy Carter speaks during a forum at the John F. Kennedy Presidential Library and Museum in Boston, Thursday, Nov. 20, 2014. Among other topics, Carter discussed his new book, "A Call to Action: Women, Religion, Violence, and Power." (AP Photo/Elise Amendola) President Jimmy Carter, left, and Rosalynn Carter arrive at the 2015 MusiCares Person of the Year event at the Los Angeles Convention Center on Friday, Feb. 6, 2015 in Los Angeles. (Photo by Richard Shotwell/Invision/AP) In this July 10, 2015, file photo, former President Jimmy Carter is seen in Philadelphia. (AP Photo/Matt Rourke, File) In a Sunday, Aug. 23, 2015 file photo, former President Jimmy Carter teaches Sunday School class at Maranatha Baptist Church in his hometown, in Plains, Ga. (AP Photo/David Goldman, File) Former President Jimmy Carter answers questions during a news conference at a Habitat for Humanity building site Monday, Nov. 2, 2015, in Memphis, Tenn. Carter and his wife, Rosalynn, have volunteered a week of their time annually to Habitat for Humanity since 1984, events dubbed "Carter work projects" that draw thousands of volunteers and take months of planning. (AP Photo/Mark Humphrey) Former President Bill Clinton, left, and former president Jimmy Carter shake hands after speaking at a Clinton Global Initiative meeting Tuesday, June 14, 2016, in Atlanta. (AP Photo/John Bazemore) Former U.S. President Jimmy Carter holds a morning devotion in Memphis, Tenn., on Monday, Aug. 22, 2016, before he and his wife Rosalynn help build a home for Habitat for Humanity. (AP Photo/Alex Sanz) Former president Jimmy Carter and Rosalynn Carter arrive during the 58th Presidential Inauguration at the U.S. Capitol in Washington, Friday, Jan. 20, 2017. (AP Photo/Andrew Harnik) In this Feb. 8, 2017, file photo, former President Jimmy Carter speaks during a ribbon cutting ceremony for a solar panel project on farmland he owns in his hometown of Plains, Ga. (AP Photo/David Goldman, File) Former President George W. Bush, center, speaks as fellow former Presidents from right, Barack Obama, Bill Clinton, George H.W. Bush and Jimmy Carter look on during a hurricanes relief concert in College Station, Texas, Saturday, Oct. 21, 2017. All five living former U.S. presidents joined to support a Texas concert raising money for relief efforts from Hurricane Harvey, Irma and Maria's devastation in Texas, Florida, Puerto Rico and the U.S. Virgin Islands. (AP Photo/LM Otero) Former President Jimmy Carter, 93, sits for an interview about his new book "Faith: A Journey For All" which will debut at no. 7 on the New York Times best sellers list, pictured before a book signing Wednesday, April 11, 2018, in Atlanta. (AP Photo/John Amis) Former President Jimmy Carter speaks as Democratic gubernatorial candidate Stacey Abrams listens during a news conference to announce Abrams' rural health care plan Tuesday, Sept. 18, 2018, in Plains, Ga. (AP Photo/John Bazemore) Former President Jimmy Carter and Rosalynn Carter are seen ahead of an NFL football game between the Atlanta Falcons and the Cincinnati Bengals, Sunday, Sept. 30, 2018, in Atlanta. (AP Photo/John Bazemore) Former President Jimmy Carter takes questions submitted by students during an annual Carter Town Hall held at Emory University Wednesday, Sept. 18, 2019, in Atlanta. (AP Photo/John Amis) Democratic presidential candidate former South Bend, Ind., Mayor Pete Buttigieg, left, meets with former President Jimmy Carter, center, at Buffalo Cafe in Plains, Ga., Sunday, March 1, 2020. (AP Photo/Matt Rourke) In this Nov. 3, 2019, file photo, former President Jimmy Carter teaches Sunday school at Maranatha Baptist Church in Plains, Ga. FILE - Former President Jimmy Carter teaches Sunday school at Maranatha Baptist Church, in Plains, Ga., Nov. 3, 2019. Well-wishes and fond remembrances for the former president continued to roll in Sunday, Feb. 19, 2023, a day after he entered hospice care at his home in Georgia. (AP Photo/John Amis, File) Former President Jimmy Carter, arrives to attend a tribute service for his wife and former first lady Rosalynn Carter, at Glenn Memorial Church, Tuesday, Nov. 28, 2023, in Atlanta. (AP Photo/Andrew Harnik) Former President Jimmy Carter arrives for the funeral service for his wife, former first lady Rosalynn Carter at Maranatha Baptist Church, Wednesday, Nov. 29, 2023, in Plains, Ga. The former first lady died on Nov. 19. She was 96. (AP Photo/John Bazemore) A sign wishing former President Jimmy Carter a happy 100th birthday sits on the North Lawn of the White House in Washington, Tuesday, Oct. 1, 2024. (AP Photo/Susan Walsh) Stay up-to-date on the latest in local and national government and political topics with our newsletter.Share Tweet Share Share Email Financial empowerment remains a critical challenge for many communities. Traditional banking systems often exclude those in low-income brackets, leaving them without access to basic savings and credit services. However, a grassroots solution has emerged to address this gap: social micro-savings groups. These community-based initiatives bring people together to collectively save money and work toward shared financial goals, proving that unity can drive transformative change . Understanding Social Micro-Savings Groups Social micro-savings groups are informal collectives where members pool their savings. These groups are typically composed of individuals from similar socioeconomic backgrounds, often within the same community. Members contribute small amounts of money regularly, creating a shared fund. This pool of resources can be used to provide loans, support emergencies, or invest in shared projects. Unlike formal financial institutions, these groups operate on mutual trust and transparency. They have minimal overhead costs, making them accessible to people who might otherwise be excluded from traditional banking systems. Additionally, they foster a sense of ownership and accountability, as each member has a direct stake in the group’s success. Core Principles of Micro-Savings Groups Collective Responsibility: Each member contributes to and benefits from the group’s resources. This shared accountability ensures the system remains functional. Transparency: Regular meetings and clear documentation maintain trust among members. Flexibility: Contributions are tailored to suit the financial capabilities of members. Inclusivity: Groups often prioritize marginalized individuals, including women and rural populations. Benefits of Micro-Savings Groups Financial Inclusion For many individuals, access to formal banking services is a distant dream due to high fees, stringent requirements, or geographic barriers. Micro-savings groups bridge this gap by providing a simple, accessible platform for saving money and accessing credit. Members can build financial resilience without navigating the complexities of traditional banking. Empowerment Through Community Being part of a micro-savings group fosters a sense of belonging and mutual support. Members often share knowledge, skills, and resources, creating a supportive network. This collective strength enables individuals to pursue financial goals they might not achieve alone. Encouraging Savings Habits Saving money can be challenging, especially for those living paycheck to paycheck. Micro-savings groups instill discipline by requiring regular contributions. Over time, members develop a habit of saving, which can lead to greater financial stability. Access to Credit In emergencies or for investment purposes, accessing loans can be crucial. Micro-savings groups offer an alternative to predatory lenders by providing low-interest loans from the shared fund. This system ensures that financial assistance remains affordable and within the community. How Micro-Savings Groups Operate Formation and Membership Groups usually form organically, with members coming together based on mutual trust. Ideal group sizes range from 10 to 25 members, ensuring manageability while fostering a sense of community. Once formed, members establish rules, including contribution amounts, meeting schedules, and loan terms. Contribution and Savings Members contribute fixed amounts at regular intervals, such as weekly or monthly. These contributions are recorded meticulously to ensure transparency. The accumulated savings create a fund that members can borrow from as needed. Loan Disbursement and Repayment Loans are granted based on group consensus, with clear repayment terms and minimal interest rates. Members are motivated to repay loans promptly, as the fund’s sustainability depends on it. Default rates are typically low due to the high level of trust within the group. Profit Sharing At the end of a savings cycle, often a year, the group distributes the accumulated savings and any profits from loan interest among members. This payout serves as a tangible reward for collective effort and financial discipline. The Role of Women in Micro-Savings Groups Women play a pivotal role in the success of micro-savings groups. In many communities, they are the primary caretakers and financial planners. By participating in these groups, women gain access to resources that can improve their families’ well-being. Micro-savings groups also provide a platform for women to develop leadership skills. As treasurers, secretaries, or chairpersons, they gain experience in financial management and decision-making. This empowerment extends beyond the group, enabling women to take on more active roles in their communities. Challenges and Solutions Lack of Financial Literacy Many participants may have limited knowledge of financial management, which can hinder the group’s effectiveness. Regular training sessions on budgeting, saving, and record-keeping can address this issue. Trust Issues Trust is the foundation of micro-savings groups. Any breach, such as mismanagement of funds, can jeopardize the group’s stability. To prevent this, members should establish clear rules and accountability mechanisms. Limited Funds The small contributions of members may not always meet the group’s financial needs. Partnering with NGOs or local governments can provide additional resources and support. Examples of Successful Micro-Savings Initiatives Village Savings and Loan Associations (VSLAs) VSLAs are a popular model of micro-savings groups, particularly in Africa. These groups have helped thousands of rural families access financial services, invest in businesses, and improve their quality of life. Self-Help Groups (SHGs) in India SHGs empower women in rural areas by providing them with access to savings and credit. These groups have significantly contributed to poverty reduction and women’s empowerment. Rotating Savings and Credit Associations (ROSCAs) ROSCAs operate on a rotating basis, where each member receives the entire savings pool at a predetermined time. This system is simple yet effective in addressing immediate financial needs. The Future of Micro-Savings Groups As technology advances, micro-savings groups are evolving. Digital platforms and mobile banking are making it easier for groups to manage their funds and expand their reach. Apps designed specifically for savings groups can facilitate record-keeping, enhance transparency, and connect members with additional financial services. Moreover, partnerships with microfinance institutions and NGOs can amplify the impact of these groups, providing them with access to training, funding, and resources. By leveraging technology and collaboration, micro-savings groups can continue to thrive and empower more communities. Conclusion Social micro-savings groups are a testament to the power of collective effort. By pooling resources and working together, individuals can overcome financial barriers and achieve their dreams. These groups not only provide practical financial solutions but also foster a sense of community and empowerment. As they continue to grow and evolve, micro-savings groups have the potential to transform countless lives, proving that unity truly is strength . Related Items: Share Tweet Share Share Email CommentsThe annual Black Friday shopping day has always been about finding the best deals, but this year retailers are preparing for a US consumer more zealously fixated than ever on getting value for their money. Inflation has stabilized after dramatic price spikes during the Covid pandemic years, but consumers are still feeling the pinch — meaning bargain-hunting strategies such as grabbing early giveaways and waiting for last-minute steals are in vogue. Compared with other years, holiday shoppers in 2024 are “even more preoccupied and very focused around value and discounts,” said Vivek Pandya, leading insights analyst at Adobe Digital Insights. “We do see stronger price sensitivity on the part of the consumer and they are very responsive to deals and event-tie deals,” he said. Consumers throughout 2024 have responded to special discount occasions such as Memorial Day and Amazon’s “Prime Day.” Black Friday, the unofficial kickoff of the US holiday gift season, comes the day after Thanksgiving and opens a long commerce-centered weekend that also includes “Small Business Saturday” and “Cyber Monday.” In recent years, as inflation has grown as a concern, major chains like department store Target have been pulling ahead “Black Friday” promotions to October or even earlier. Consumer prices on average were 22 percent higher in August 2024 compared with January 2020, according to Pew Research, and popular discontent with inflation is one reason Donald Trump won the US presidency in November. Inflation also continues to guide retailer discounting decisions as they try to deliver what the market demands. At Target, shoppers have learned to turn out in force for the chain’s “Circle Week” savings events held about once every quarter. That translates into less buying the week before and after, executives said. After a lengthy period of inflation, “consumers tell us their budgets remain stretched,” Target CEO Brian Cornell told analysts earlier this month. “They’re becoming increasingly resourceful in their shopping behaviors, waiting to buy until (the) last moment of need, focusing on deals and then stocking up when they find them,” he said. The National Retail Federation has projected holiday spending growth of between 2.5 and 3.5 percent in the 2024 season compared with the year-ago period, to as much as $989 billion over the two-month period. Economists have pointed to an easing of gasoline prices as a supportive factor, along with an ebbing in the costs of some food items. The inflationary environment has weighed especially heavily on households with lower incomes, with banks pointing to rising charge-off rates as an indicator of increased stress. But some chains, such as off-price apparel retailer, Burlington Stores have pointed to improvement for this cohort of the population. Some of the chain’s strongest sales have been in stores in low-income zip codes, said Burlington Chief Executive Michael O’Sullivan. “Maybe for the first time since 2021, it looks like their real incomes are finally edging up,” O’Sullivan said on a conference call this week. Thanksgiving, which is always the fourth Thursday in November, falls on its latest possible date in 2024. As a result, retailers are pivoting to a season with five fewer days than last year. Best Buy launched its Black Friday sale a week ahead of Thanksgiving this year. The electronics chain has also brought back “Doorbuster” sales every Friday this year in stores and online — events many chains had phased out in recent years because of their association with hordes of waiting crowds that sometimes resulted in injury. On Wednesday, Adobe Digital Insights said that online sales through the first 24 days of the holiday season were up 9.6 percent year-over-year, above the 8.4 percent growth projected for the entire season. Pandya, the insights analyst, said the shorter season may be one reason for the outsized early sales, but that it also reflects how the competitiveness for online goods that drives down prices.
Simply running on the treadmill is not enough for former UFC light heavyweight champion Jiri Prochazka. Prochazka (30-5-1 MMA, 4-2 UFC) is well known for his different approach to the fight game. Whether it's his mentality heading into the cage, his hard-to-mimic style when competing in the highest level of competition, or his unusual training methods, there is no denying Prochazka is a unique entity. He has always leaned into that, and gave another peek at his preparation ahead of his Jan. 18 matchup with Jamahal Hill (12-2 MMA, 6-2 UFC) at , which takes place at Intuit Dome in Inglewood, Calif. (ESPN+ pay-per-view, ESPN, ESPN+) Check out the video below to see Prochazka's shadow boxing while running on a treadmill (via ): x.com The showdown between former 205-pound titleholders Prochazka and Hill has been brewing for some time. They are less than one month away from finally sharing the octagon, and by all appearances, Prochazka is putting in maximum effort to ensure he's ready.
Chitosan Derivatives Market 2024-2031 Explosive Growth, Highly Accurate Outlook, and an Analysis of the Competitive Landscape Comprise the next big thing - FMC Corp, Kitozyme, Kunpoong Bio.Goa To Launch Unified Digital Portal And Business Facilitation Centres For Msmes Under RAMP Initiative
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Vijilan Security Partners with Cribl to Modernize Data Management for MSPs and Enterprises 12-16-2024 11:30 PM CET | IT, New Media & Software Press release from: Getnews / PR Agency: Comms Factory Image: https://www.globalnewslines.com/uploads/2024/12/1734369767.jpg HALLANDALE BEACH, Fla - December 16, 2024 - Vijilan Security, a leading provider of managed cybersecurity services, today announced its partnership with Cribl [ https://cribl.io/ ], the Data Engine for IT and Security. This collaboration enhances Vijilan's ThreatSensor platform, offering Managed Service Providers (MSPs) and enterprises a future-ready solution that enables sophisticated management and security for their complex and ever-growing volumes of data across private networks, public clouds, and hybrid environments. With data growing year over year and sensors becoming smarter, organizations are faced with a double-edged challenge: an increasing volume of richer, more actionable data and the challenge of efficiently managing and analyzing this data for both IT and security needs. Sensors are also proliferating across diverse environments, generating data that requires advanced tools to process, visualize, and route effectively. Working with Cribl's technology, Vijilan now offers an effective solution to these challenges. Kevin Nejad, Founder and CEO of Vijilan Security, explained, "I see data growing year over year, but data management tools aren't keeping up. Sensors are getting smarter and generating richer data for analysis, but a lot of enterprises and MSP clients are playing catchup when it comes to managing and analyzing these immense repositories of telemetry data. The problem is manifesting in all environments. This is the problem we are solving through our partnership with Cribl. This relationship represents a significant advancement in our commitment to providing cutting-edge data management solutions. By integrating Cribl's technology, we empower our MSP partners and enterprise clients to navigate the complexities of data management with greater efficiency and confidence." Key Benefits for Vijilan Partners: Comprehensive Data Control: Full visibility and management of data from ingestion to storage, enabling clients to make data-driven decisions with confidence. Simplified Compliance: Enhanced capabilities for meeting regulatory requirements such as HIPAA, PCI-DSS, GDPR, and SOX, including data masking and secure routing. Flexible Data Routing: Seamlessly send data to preferred destinations-whether on-premises, in private data centers, or leaders cloud providers Cost Efficiency and Scalability: Handle increasing data volumes while minimizing unnecessary storage and processing costs, ensuring scalability for future growth. "Vijilan security is at the forefront of modernizing their Managed Detection and Response services. Using Cribl Stream, Vijilan is able to completely optimize their data flow and effectively reduce the noise, improve the signal, and provide faster detections at a lower cost. In a very noisy MDR space, Vijilan stands out as a true innovator and market leader," said Zac Kilpatrick, vice president of global go-to-market partners at Cribl. About Vijilan Security Vijilan Security is a trusted provider of cybersecurity services, including SIEM, SOC, XDR, and MDR solutions. With a focus on empowering MSPs and enterprises, Vijilan offers advanced threat detection and response capabilities tailored to meet today's data-driven challenges. Contact Information Vijilan Security Phone: +1 (954) 334-9988 Email: info@vijilan.com Website: https://vijilan.com/incribl/ [ https://vijilan.com/incribl/][LM1 ] [ https://vijilan-my.sharepoint.com/personal/luis_medici_vijilan_com/Documents/Documents/Attachments/vijilan%20crib%2011.24clean+Cribl.docx#_msocom_1 ] Media Contact Company Name: Vijilan Contact Person: Media Relations Email: Send Email [ http://www.universalpressrelease.com/?pr=vijilan-security-partners-with-cribl-to-modernize-data-management-for-msps-and-enterprises ] Phone: +1 (954) 334-9988 Country: United States Website: https://vijilan.com/ This release was published on openPR.UCF coach Gus Malzahn reportedly resigning to take Florida State OC job
Amzil's 14 lead New Mexico past Colorado State 76-68Don Lindich | Tribune News Service Home entertainment holiday specials: These offers are readily available, not a “limited quantity doorbuster.” I do not know how long the various promotions run, but the industry buzz is we will see repeats between now and Christmas so if you miss the deal first time around, keep checking. There is a good chance you will see it offered again. Amazon Fire TV Stick 4K Max, $32.99: Normally $59.99, this streaming device is practically an entire entertainment system. In addition to streaming apps, it has an AI art mode that generates unique art by voice command. It also supports Xbox Live, so you can play Xbox games without buying an expensive console. Just add an Xbox controller, subscribe to the service and enjoy. amazon.com Apple 10.2-inch iPad, $199: The ninth-generation iPad is older but still works well. It is reduced from the $329 MSRP. apple.com Cambridge Audio AXN10/MXN10 Network Players, $399: A network player connects directly to the internet to play music and internet radio from streaming sources. They are a must-have for anyone with a component audio system, and these two players from Cambridge are best-in-class with their exquisite construction, fine sound quality and easy-to-use, comprehensive StreamMagic app. Reduced from the introductory price of $599. cambridgeaudio.com Related Articles Technology | Australian Senate debates social media ban for under-16s Technology | How to get started with Bluesky Technology | Apple readies more conversational Siri in bid to catch up in AI Technology | Supreme Court allows multibillion-dollar class action to proceed against Meta Technology | Apple Pay, other tech firms come under CFPB regulatory oversight Klipsch RP-600M II bookshelf speakers, $499/pair: You will not find a better speaker under $500. You will probably not find a better speaker for the $649 list price, either. The RP-600M II has received great praise from Stereophile magazine, a high-end audiophile publication that routinely tests audio products selling for $100,000 or more. After hearing the RP-600M II, I can understand why. They don’t require much power and the sound is transparent, rich, forward, lively, engaging and dynamic without coming across as over-boosted or unnatural. They dig solidly into the bass registers without a subwoofer and vividly bring any kind of music to life. Available online and in stores. klipsch.com Nebula Cosmos 4K SE projector, $999: A few weeks ago I praised this new 4K Google TV smart projector with a dual Laser-LED light source. It can throw a beautiful 4K image that rivals what you see in a good movie theater, is easy to use and the $1,299 price is a breakthrough. At $999 a lot more people should get a projector and experience how life-changing it can be for movies, sports, television and gaming. seenebula.com Samsung Q80D QLED televisions, $749-$1,749: The Q80D sale makes it possible to get a truly stunning high-end TV for little more than the cost of something ordinary. The 85-inch for $1,749 is a particular standout, a savings of $1,550. samsung.com ©2024 Tribune Content Agency, LLC
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