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The Miami Hurricanes, who once appeared to be a near-lock for the College Football Playoff, are not playing for a national title. Instead, they will play in the Pop-Tarts Bowl in Orlando. That bowl berth against Iowa State is a let-down for fans with dreams of a sixth national title in their minds, as well as players hoping to compete for a championship. However, Miami’s trip to Orlando and the lead-up to it are still crucial periods for the Hurricanes for multiple reasons. First, it’s a chance for the program to achieve something it has not done in more than two decades: win 11 games. Although the 11th win won’t get them closer to a championship, it is a good sign of the program’s progress over Mario Cristobal’s tenure. It would also end UM’s five-game losing streak in bowls. “We’re not satisfied,” Cristobal said. “We want to win every single game. We won 10. We were close on the other two, but close isn’t good enough. We want progress. We’re hungry and driven to get better, and so that’s what our focus is on: to improving as a football program, to getting better, to moving into the postseason with an opportunity against a great football team like this and putting our best on the field.” There are signs the Hurricanes will show up at close to full strength for the bowl game. Running back Damien Martinez announced he was going to play, and star quarterback Cam Ward said in a video call posted on social media that he intends to play, as well. “We’re trying to win our first bowl game in 20 years,” Ward said in the video, mistaking the length of UM’s long bowl losing streak. “We’re going hard.” Playing in the bowl game also provides the opportunity for the Hurricanes to get in several practices between now and the game. That means Miami can develop its young players and prepare them for next season during both the practices and the bowl game itself. “It’s extremely valuable,” Cristobal said. “You really don’t have many opportunities throughout the course of the year — time is limited more and more each season with your student-athletes. I want to state this and be very clear: it’s very important, it’s ultra-important for the University of Miami to continue to develop and grow and progress by stressing the importance of offseason opportunities ... You learn a lot about your team and learn a lot about your people and your program when you head to the postseason.” Of course, there are potential negatives. Players can get hurt; Mark Fletcher Jr. suffered a foot injury in the Pinstripe Bowl last year that cost him all of spring practice. A poor performance can also potentially set the tone for next season, like how Florida State, fresh off a playoff snub last year, suffered a devastating loss against Georgia in the Orange Bowl and went on to a dismal 2-10 season this year. “This is the ending of ’24 and the beginning of ’25,” Cristobal said. “This is the last opportunity to be on the field and carry some momentum into the offseason. So it is, in essence, it is the most important game because it’s the next game. “There’s a lot of excitement in the form of opportunity for our guys. Our guys love to play football. The chance to play one more time with this special group — this is a special group of guys now. They’ve worked hard to really change the trajectory of the University of Miami, and they want to continue to elevate the status and the culture at the University of Miami. So certainly a ton to play for.” ©2024 South Florida Sun Sentinel. Visit at sun-sentinel.com . Distributed by Tribune Content Agency, LLC.jollibet casino free 100 apk 。

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MINNEAPOLIS (AP) — With Penn State's strong push for a spot in the College Football Playoff still a couple of wins from completion, the biggest roadblock to a bid for the Nittany Lions in this favorable final third of their schedule has appeared with a trip to Minnesota . That's why this week, naturally, is too early for them to talk about making the inaugural 12-team tournament — as enticing as their prospects might be. “I think the quality of teams that we go in and play each week speaks for itself,” quarterback Drew Allar said. "But as far as rankings, it doesn’t really matter until it matters.” Penn State (9-1, 6-1 Big Ten) is fourth in both the AP poll and the CFP rankings this week, needing help for a long-shot hope of reaching the Big Ten title game because of a loss to now-No. 2 Ohio State on Nov. 2. In this new era of playoff expansion, the Nittany Lions are on firm footing for an at-large bid. Lose to the unranked Gophers (6-4, 4-3), however, and that ground could become shaky given the current collection of standout two-loss teams in the SEC. In case the Nittany Lions needed proof of the danger of letting focus diverge, coach James Franklin and his staff can call up the tape from Nov. 9, 2019. That's when an undefeated Penn State team came to Minnesota and lost 31-26 . The Nittany Lions lost again at Ohio State two weeks later and finished 11-2, one of several not-quite performances for this storied program that last went unbeaten in 1994 and hasn't been recognized as national champions since 1986. The Gophers were undefeated themselves after that game before losses to rivals Iowa and Wisconsin ended their Rose Bowl quest. This team isn't on that level of talent and success from five years ago, but the chemistry has been off the charts. Coach P.J. Fleck drew attention to some of the individual standout performances that fueled the signature victory in 2019 in meetings with players this week. “We need our best playmakers to play their best. Penn State’s going to need their playmakers to be their best. That’s what happens in November,” Fleck said. Tyler Warren has already shattered nearly every record for Penn State tight ends. The do-it-all senior become such a force his teammates insist he’s worthy of the Heisman Trophy, tracking toward the top of the NFL draft board for his position next spring. “He’s the best tight end in America, but he’s also the most complete tight end in America," Allar said. Warren is coming off a 190-yard performance at Purdue that included 63 yards on three rushes and 127 yards on eight receptions. “He has the ability to take a play that should be 2 or 3 yards and turn it into 30 or 40,” Gophers defensive end Danny Striggow said. Penn State defensive end Abdul Carter has 171⁄2 tackles for loss, the second-most in the FBS, and eight sacks to match the third-most in the Big Ten. He has a challenging matchup this week with Minnesota left tackle Aireontae Ersery across from him in a battle of projected first-round NFL draft picks. Gophers coaches told Striggow and his fellow defensive linemen a couple of seasons ago to relish the opportunity to face Ersery in practice. “That’s one of the best looks in the country that you’re going to get,” Striggow said. Carter has successfully made the transition from linebacker this season. “He is impacting the game in a number of ways, which creates opportunities for other guys on our defensive line and within our defense and causes a lot of headaches,” Franklin said. “He is becoming more and more of a leader every single day.” Allar and the Nittany Lions have paid particular attention to protecting the ball this week, given the Gophers have 16 interceptions, one short of the national lead. Penn State quarterback Drew Allar feels he’ll need to be especially accurate this weekend considering Minnesota has 16 interceptions on the season. “We’re just going to have to be disciplined and stick to our game plan,” Allar said. The Gophers have a strong group of departing players who will take the field at Huntington Bank Stadium for the final time, including Ersery, quarterback Max Brosmer, wide receiver Daniel Jackson, right guard Quinn Carroll, cornerback Justin Walley, kicker Dragan Kesich and Striggow. “It’s been good to reflect, but it’s not over yet," Striggow said. "Those short windows of reflection, I cut ’em out and then say, ‘We’ve got some more memories to make.’” 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 .

Generative AI Trends for 2025: What to Expect in the Coming YearThe ( ) has been one of the best-performing funds in 2024. But I don't think this will be the end of the long-term gains. As we can see on the chart above, the FANG ETF has climbed a hefty 41% this year. In comparison, the (ASX: XJO) has climbed by 10% — not a bad result, but a significant underperformance to the FANG ETF. Past performance is not a reliable indicator of future performance, of course, and I'm certainly not expecting the FANG ETF to rise another 40% in the next year. But I do believe that this fund, which provides access to leading US technology companies, can beat the ASX 200 again over the next five years. Here's why. While not guaranteed to occur, incoming United States president Donald Trump has indicated he wants to reduce business taxes to 15%, down from 21%. yet. I'm sure more details will come in due course. But I wouldn't be surprised if the businesses inside the FANG ETF see their taxes reduced to some degree, which would boost their . Investors typically value a business on how much profit they're making and could make in the future. A taxation boost to EPS should theoretically boost the share price. The FANG ETF is not known for strong . It has only 10 positions that are designed to be equally weighted. But I think these companies have been and can continue to be wonderful investments. Currently, the FANG portfolio holds these 10 giant technology businesses: These companies are among the best in the world at what they do, whether that's smartphones, device software, social media (such as Instagram), online video, online search, cybersecurity, e-commerce, cloud computing, AI and more. They also typically have strong profit margins, excellent and effective management. Considering the world is becoming increasingly technological, and that these companies are some of the entities driving that change, this area of the global share market is where I'd want at least some of my money, whether that's through the FANG ETF or a different investment. I often say that, in the business world, winners keep winning. Companies like Microsoft, Apple and Alphabet are so far ahead of the competition that it may be almost impossible for others to catch up starting from scratch. With their high , it makes sense for these winners to retain and reinvest profits in improving their products or services and developing new offerings. In my opinion, these companies' rising profits are likely to lead to ongoing capital growth, even if they start with relatively high . The FANG ETF has returned an average of 20% per annum over the past three years. While the next three years aren't guaranteed to be as good, I think the FANG ETF has plenty of capability to outperform the ASX 200.

The housing market continues its downturn as mortgage applications hit their lowest levels in three decades, according to data issued by the Mortgage Bankers Association (MBA). Nick Gerli, CEO of Reventure Consulting, pointed to the reality on X, formerly Twitter, noting that current mortgage demand has fallen about 50% compared to pre-pandemic levels in 2019. For sellers, the latest figures are a bad sign as they head into winter, with purchase applications down 49.7% from 2019 levels and 55.2% below 2020 numbers. Don't Miss: This Jeff Bezos-backed startup will allow you to become a landlord in just 10 minutes, with minimum investments as low as $100 for properties like the Byer House from Stranger Things. Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing — you can become an investor for $0.80 per share today. The downturn continues despite favorable conditions that typically boost market activity. Despite two Federal Reserve rate cuts – one in September and another in early November – and the election’s conclusion, buyers remain hesitant to enter the market. Behind the reluctance is historically poor homebuyer sentiment. The University of Michigan Sentiment Survey data showed that most Americans "believe that high interest rates are weighing down homebuying conditions." According to Gerli, the core issue centers on housing prices. Current home valuations have reached unsustainable levels relative to inflation and income, exceeding the 2006 housing bubble peaks when adjusted for inflation. The disconnect between perceived value and listing prices drives potential buyers away. “So buyers look for a home they think should be $350,000. And it costs $500,000,” Gerli said. “And they immediately give up. Because they know the home isn’t worth that amount.” See Also: Invest in $20+ trillion home equity market today across cities like Austin, Miami, and Los Angeles through a unique 5-year term fund targeting a 14-20% IRR with minimums as low as $2,500 Recent MBA data supports Gerli's assessment. While overall mortgage application volume showed a minimal 0.5% increase last week – the first rise in seven weeks – the average 30-year fixed-rate mortgage climbed to 6.86%, up from 6.81%. Refinancing applications dropped 2% to their lowest point since May despite being 43% higher than the previous year. Joel Kan, MBA’s deputy chief economist, notes some bright spots in specific market segments. Applications for FHA and VA loans showed respective increases of 3% and 9%, with FHA rates notably declining against the broader trend. The regional nature of the housing market means some areas may fare better than others . Gerli noted the variations in price forecasts for 2025, particularly between markets like Florida and New York. For sellers hoping to move properties this winter, the message appears clear – price adjustments may be necessary to attract buyers in the current market environment. Market dynamics suggest a shift in buyer behavior outside of typical seasonal slowdowns, pointing to deeper structural challenges in the housing market that might require price corrections to resolve. Read Next: Commercial real estate has historically outperformed the stock market, and this platform allows individuals to invest in commercial real estate with as little as $5,000 offering a 12% target yield with a bonus 1% return boost today! Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die." Here’s how you can earn passive income with just $100. © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

BATON ROUGE, La. (AP) — Louisiana’s GOP-dominated legislature passed tax cuts on personal and corporate income on Friday in exchange for a statewide sales tax increase, a mixed bag of success for Gov. Jeff Landry, whose original tax revision plans faced mounting resistance from lawmakers and lobbyists amid hard fiscal realities . The final passage of the bulk of Landry's proposed measures winds down a special legislative session called Nov. 6 by the governor and his allies. They said their purpose was to make the state’s tax code more business friendly, bring jobs and reverse trends of outward migration from the state. It was the third special legislative session called by Landry, a Republican, since he assumed office in January. The package of legislation includes a permanent $2,000 raise for teachers and doubles standard deductions for residents aged 65 and older. It raises the state sales tax to 5%, while granting Landry’s wish for lower personal and corporate income tax rates. It repeals the 0.275% corporate franchise tax, a levy on businesses operating on the state worth more than $500 million in annual revenue. The state's new corporate income tax rate will be a flat 5.5%, reducing the highest tier from 7.5%. Landry had wanted a 3.5% flat rate. Lawmakers approved a flat 3% individual income tax rate and nearly tripled the standard deduction for individuals. Previously, the personal income tax rate had stood at 4.25% for individuals earning $50,000 or more. “What I’m very confident in is that everyone’s going to have more money in their pocket at the end of the day with the personal income tax reductions,” said Republican Rep. Julie Emerson, who spearheaded legislation to flatten the income tax rate. With the personal income tax reductions reducing annual revenue by $1.3 billion, Landry’s original plan had called for applying sales taxes to dozens of services like car-washing, dog-grooming and lobbying. He also sought to eliminate large tax incentives for the restoration of historic buildings and the film industry. Those proposals were defeated, leading to a bigger sales tax hike than Landry initially proposed. Louisiana already had the highest combined state and average local sales tax in the country at 9.56%, according to the Tax Foundation, a think tank favored by conservatives. Associated Press writer Kevin McGill contributed to this report. _____ Brook is a corps member for The Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. Follow Brook on the social platform X: @jack_brook96DAVENPORT, Iowa, Dec. 09, 2024 (GLOBE NEWSWIRE) -- Lee Enterprises, Inc. (NASDAQ: LEE), a leading provider of trusted local journalism across the United States, today announced a first-of-its-kind content partnership with ProRata.ai , an innovator in artificial intelligence-driven solutions. This partnership marks a pivotal milestone in the evolution of hyper-personalized local content and real-time advertising solutions tailored to the unique needs of local search and AI search engines. Through this partnership, Lee Enterprises and ProRata.ai will collaborate on groundbreaking technology integration and co-development efforts to bring a cutting-edge attribution platform to local media. The alliance aims to redefine how local news and advertising are delivered, enabling hyper-personalized content experiences and seamless real-time advertising production at an unprecedented scale. "This partnership is a monumental step forward for Lee Enterprises as we continue to lead the transformation of local media,” said Kevin Mowbray, Chief Executive Officer of Lee Enterprises Inc. "By joining forces with ProRata.ai , we are not only embracing innovation but also creating meaningful solutions that connect local audiences and businesses in ways never before imagined. Together, we are shaping the future of news and advertising.” The agreement, as outlined in the recently signed term sheet, establishes the foundation for a series of transformative initiatives, including: As both companies move forward, this partnership lays the groundwork for further innovation in local media and advertising. Lee Enterprises and ProRata.ai are committed to exploring additional opportunities for technology integration and co-development, driving digital transformation, and delivering unparalleled value to readers, advertisers, and local communities. About Lee Enterprises Inc. Lee Enterprises, Inc. is a trusted local news provider serving 73 markets in 26 states. With a dedication to quality journalism and digital innovation, Lee delivers valuable content and advertising solutions to its communities and partners. For more information, visit www.lee.net . About ProRata.ai Founded in 2024 by Bill Gross at Idealab Studio, ProRata's mission is to ensure that generative AI platforms compensate and credit content owners for the use of their material. ProRata builds technology that enables generative AI platforms to attribute contributing content sources and share revenues on a per-use basis, protecting and rewarding creators while helping to prevent unreliable content from compromising AI results. For more information, please visit prorata.ai . Contact: [email protected] (563) 383-2100Contrasting First Business Financial Services (NASDAQ:FBIZ) & Metropolitan Bank (NYSE:MCB)

Williams Companies Is Now OvervaluedEducation Above All ( EAA) Foundation, a global development and education foundation, concluded its Doha Forum participation with a high-level panel discussion focused on debt, innovative financing, and solutions to support education. The session aligned with Doha Forum’s objectives of creating a collaborative platform for addressing global issues, promoting sustainable solutions, and fostering impactful networks. Global thought leaders participated in the panel discussion, including Paula Ingabire, minister of Information Communication Technology and Innovation, Rwanda, Fahad al-Sulaiti, director-general of the Qatar Fund For Development; Laura Frigenti, CEO, Global Partnership for Education; Dr Hiba Ahmed, director-general of the Islamic Solidarity Fund for Development, Islamic Development Bank; Fatima Yasmin, vice-president, Asian Development Bank; and moderated by Dr Safwan Masry, dean of Georgetown University in Qatar.EAA Foundation and its partners addressed three interconnected themes: the high number of out-of-school children, the education funding gap intensified by rising debt burdens, and innovative solutions to tackle these global challenges. The panel provided insights into education access, quality, and relevance, focusing on how rising debt pressures influence education budgets. Participants explored partnership-driven approaches to increasing domestic education spending, presented alternative funding models, and introduced a country pilot initiative as a new model for educational financial sustainability. Mohammed al-Kubaisi, acting CEO of EAA Foundation, said: “As we confront significant funding challenges faced by low-income and low-middle-income countries in financing education, our discussion at the Doha Forum reflects EAA Foundation’s commitment to providing equitable access to quality education across the globe. The recent Unesco GEM Report 1 highlights a national average financing gap of $97bn per year to achieve SDG 4, emphasising the critical need for innovative funding solutions. Through creative financial solutions and inclusive investments, we can bridge the gap, empower future generations, and build a more equitable and prosperous future.” EAA has provided educational opportunities to over 19mn out-of-school children and youth across 60 countries, leveraging nearly $3bn in co-funding through strategic partnerships. Related Story Qatar participates in CBIE 2024 conference in Canada

Even with access to blockbuster obesity drugs, some people don't lose weightBATON ROUGE, La. (AP) — Louisiana’s GOP-dominated legislature passed tax cuts on personal and corporate income on Friday in exchange for a statewide sales tax increase, a mixed bag of success for Gov. Jeff Landry, whose original tax revision plans faced mounting resistance from lawmakers and lobbyists amid hard fiscal realities . The final passage of the bulk of Landry's proposed measures winds down a special legislative session called Nov. 6 by the governor and his allies. They said their purpose was to make the state’s tax code more business friendly, bring jobs and reverse trends of outward migration from the state. It was the third special legislative session called by Landry, a Republican, since he assumed office in January. The package of legislation includes a permanent $2,000 raise for teachers and doubles standard deductions for residents aged 65 and older. It raises the state sales tax to 5%, while granting Landry’s wish for lower personal and corporate income tax rates. It repeals the 0.275% corporate franchise tax, a levy on businesses operating on the state worth more than $500 million in annual revenue. The state's new corporate income tax rate will be a flat 5.5%, reducing the highest tier from 7.5%. Landry had wanted a 3.5% flat rate. Lawmakers approved a flat 3% individual income tax rate and nearly tripled the standard deduction for individuals. Previously, the personal income tax rate had stood at 4.25% for individuals earning $50,000 or more. “What I’m very confident in is that everyone’s going to have more money in their pocket at the end of the day with the personal income tax reductions,” said Republican Rep. Julie Emerson, who spearheaded legislation to flatten the income tax rate. With the personal income tax reductions reducing annual revenue by $1.3 billion, Landry’s original plan had called for applying sales taxes to dozens of services like car-washing, dog-grooming and lobbying. He also sought to eliminate large tax incentives for the restoration of historic buildings and the film industry. Those proposals were defeated, leading to a bigger sales tax hike than Landry initially proposed. Louisiana already had the highest combined state and average local sales tax in the country at 9.56%, according to the Tax Foundation, a think tank favored by conservatives. Associated Press writer Kevin McGill contributed to this report. _____ Brook is a corps member for The Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. Follow Brook on the social platform X: @jack_brook96EAA spotlights funding for education

Florida State continues torrid star with rout of UMassJet2 (LON:JET2) Stock Price Up 9.3% After Dividend Announcement