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The Zimbabwe Stock Exchange listed group, has released its voluntary operating update for the period ended 30 September 2024, showcasing resilient top-line growth despite challenging conditions. The company’s sales momentum continued into the third quarter, with double-digit growth in gross flows, supporting the ongoing improvement in net client cash flow. “In South Africa, the formation of the Government of National Unity and the 25-basis point interest rate cut had a positive impact on investor and customer sentiment, though tangible improvements in capital investments and disposable income remain constrained,” the company said. “In our Africa regions, excluding South Africa, the economic climate continued to be affected by elevated inflation and currency depreciation in some markets.” Following the recent elections in South Africa, a historic coalition was established as 10 political parties, representing a broad range of ideologies, united to form the GNU. Although tangible improvements in capital investments and disposable income remain constrained, Old Mutual’s diversified distribution strategy and strong performance in certain segments, such as life assurance and wealth management, helped drive sales. The has also highlighted that Old Mutual’s life assurance sales increased by 6% from the prior period, driven by good risk sales in the Mass and Foundation Cluster across all distribution channels. Personal Finance delivered higher guaranteed annuity sales, better savings, and funeral sales, while Wealth Management reported good sales growth in tax-free savings, wealth life, and investment funds. The company’s gross flows increased by 19% from the prior period, mainly driven by excellent inflows in Wealth Management, which saw a significant uplift across all platforms. Net client cash flow improved materially, benefiting from robust inflows and reduced levels of outflows in Wealth Management. Old Mutual’s regulatory solvency ratio for Old Mutual Life Assurance Company (South Africa) Limited (OMLACSA) marginally reduced to 198% and remains within the target range of 175%-210%. The Group’s discretionary capital balance increased to R1.6 billion from the R1.4 billion reported at 30 June 2024. The implementation of the two-pot retirement regime, effective 1 September, is expected to have an impact on Old Mutual’s operations. However, the company said it remains well-positioned to manage the increase in claims volumes, having paid 93% of the 240,000 claims submitted, amounting to R2.4 billion, as of the end of October 2024. Old Mutual operates in 13 African countries: South Africa, Namibia, Botswana, Zimbabwe, Kenya, Malawi, Tanzania, Nigeria, Ghana, Uganda, Rwanda, South Sudan and eSwatini. The Group has a niche business in China.
INDIANAPOLIS (WISH) — Gov.-elect Mike Braun on Thursday said he will rearrange state agencies into a Cabinet-style model for better efficiency and accountability. Braun said his Cabinet will consist of his chief of staff, the lieutenant governor, the superintendent of the Indiana State Police, the adjutant general of the Indiana National Guard, and eight secretaries responsible for a different policy area. Some of the secretaries’ titles are familiar, namely the secretary of commerce and the secretary of education. Their portfolios will be larger. In addition to the Indiana Economic Development Corp., the secretary of commerce now will oversee the Indiana Destination Development Corp. and the Ports of Indiana. The secretary of education, meanwhile, will oversee the Commission for Higher Education and the School for the Blind and School for the Deaf in addition to the Indiana Department of Education. Other positions are completely new. Chief among them is a secretary of public safety. The Department of Correction, Indiana Law Enforcement Academy, Indiana Department of Homeland Security and a new Office of School Safety will report to them, though the state police will still report directly to the governor. The Indiana Department of Health, the Family and Social Services Administration and the departments of Child Services and Veterans Affairs will answer to a new secretary of health and family services. Indianapolis Department of Transportation and the Bureau of Motor Vehicles will answer to a new secretary of transportation and infrastructure. Braun said in a statement the secretaries will be empowered to drive progress within their policy areas and will be held responsible for agency performance and improvement. The Cabinet will also be allowed to implement cross-government initiatives. “By aligning agencies and reorganizing the executive branch, we can drive accountability for leaders and agencies, promote better coordination and communication between our administration and the Indiana General Assembly, and create efficiency across state government,” Braun said in the statement. Like other gubernatorial appointments, Braun’s Cabinet secretaries will not require approval by the state Senate.Raiders’ Pierce after win hurts draft order: ‘We don’t do this to lose’
Authored by Eric Utter via AmericanThinker.com, This is going to be controversial to many, but I am going to tell it like I see it, so damn the torpedoes, full speed ahead. The Biden administration, set up as it was by the Obama administration, has been a clear and present danger to the United States of America. In almost every way imaginable. It has tanked an economy that otherwise was on the way to (an almost inevitable) rapid, post-pandemic recovery, causing pain to countless American families. Speaking of the pandemic, its ludicrous lockdown policy, and a host of other counterproductive and destructive policies, caused immeasurable physical, mental, and emotional harm to millions of people—and summarily destroyed many small businesses, particularly restaurants. It fostered a growing oligarchy by ensuring certain government-approved giant corporations prospered while the small businesses were devastated. It nourished this budding fascism even as it took every opportunity to baselessly label Donald Trump and his supporters as “fascists.” Similarly, it incessantly talked of “saving our democracy” even as it tried to destroy it by pushing for the end of the Electoral College and the filibuster, supporting the advent of congressional representation for Washington, D.C., urging the granting of statehood to Puerto Rico, and, most egregiously, going to any and all lengths to get rid of its chief political opponent, Donald J. Trump. It is still doing all it can to obstruct the will of the people, as was evident in its post-election auctioning off materials for the border wall for pennies on the dollar, as well as in placing various other roadblocks in front of the incoming administration. (In other words, it is doing everything possible to counteract the will of the people. Doesn’t sound very democratic to me.) Leaving the border wide open for years has created the greatest current—and latent—security threat the nation has ever faced. Period. In colluding with the social media giants to suppress the Hunter Biden laptop story, or with foreign agents to concoct the Russian-collusion hoax, Democrats have shown, time and again, they will do anything to attain and retain power. The Biden administration made that abundantly clear...seven ways from Sunday. In its constant use of lawfare and its “accountability for thee but not for me” perversion of the justice system, it has created a two-tiered system of justice that is deeply anti-American and monstrously pernicious. And that is troubling—and frightening—to most Americans. The Biden administration has helped make a mockery of common sense—if not of reality itself —with its official inability to define what a woman is, and to simultaneously approve of “gender reassignment” surgeries and procedures (even for the very young)...and biological men in women’s locker-rooms, bathrooms, and on their sports teams. It has done grievous damage to our culture—and unity—by endlessly promoting the absurd ideologies of DEI and CRT. Its unwillingness to ever be available, accountable, or transparent is only matched by its overwhelming desire and propensity to lie to the very citizens it is supposed to serve. Which we have seen in its attempts to protect itself, smear Trump and his supporters, give a pass to the Chinese spy balloon, and in its flat-out refusal to tell Americans anything resembling the truth about the drone fiasco that has been ongoing for over a month. The non-answers and gibberish that has spewed from the mouths of “government officials,” has been truly mind-blowing...on this and numerous other matters. As if all of this weren’t enough, its foreign policy may yet lead to our destruction. It essentially surrendered to goat-herders in Afghanistan, leaving behind billions of dollars of high-end military equipment, more than a dozen dead Americans, and our reputation and dignity. It has bizarrely coddled Iran while playing hardball with Israel, the only liberal democracy in the Middle East. And it seems almost determined to get us directly involved in a shooting war with Russia, if not a nuclear one. To me, this is far worse than incompetence, more than malfeasance. To me, it spells T-R-E-A-S-O-N . Were this an age of reason , what other conclusion could be reached?
President-elect Donald Trump’s repeated calls to defund public media have put organizations like NPR and PBS on high alert . Trump has long criticized outlets like NPR and PBS, accusing them of promoting liberal bias, and has vowed to cut all federal funding for the Corporation for Public Broadcasting (CPB), which supports public media, The Guardian reports . In April on Truth Social, Trump called NPR a “total scam” and demanded an end to its funding. His criticism follows a longstanding pattern of Republican efforts to reduce or eliminate public media funding, dating back to the 1967 creation of the CPB. The CPB provides grants to over 1,500 public radio and TV stations across the country, helping ensure editorial independence while also allowing for local fundraising. Also Read: Benzinga Bulls And Bears: Quantum Computing, Tesla, AMD — And Whales Buy 270 Million Dogecoin Over 4 Days Trump’s allies, including Elon Musk , have joined the chorus. Musk, after labeling NPR as “state-affiliated media” in 2023, has called for the defunding of NPR, echoing Trump’s anti-public media stance, the report adds. His recent collaboration with Vivek Ramaswamy to reduce government spending includes proposed cuts to the CPB’s $535 million budget. Despite these efforts, public media remains deeply embedded in American life, with 99% of the population within reach of public radio or TV, The Guardian adds. Yet the U.S. spends far less on public media compared to other countries. Critics argue that defunding public media would harm rural communities, where stations are often crucial for local news and emergency alerts. While bills to defund NPR and PBS are currently before Congress, the challenge of transferring emergency alert responsibilities and the two-year funding cycle for the CPB could slow these efforts. Read Next: ExxonMobil Stock Navigates Death Cross: Market Signals Turn Bearish For Oil Giant © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.Blake Snell, Dodgers agree to five-year, $182M contract: Reports
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Beauty and skincare trends may come and go, but there are a few that have proven themselves to be effective and stand the test of time. One of these trends? The use of light therapy, both in and out of doctors’ offices. Once considered a very niche skin treatment, light therapy’s popularity has grown exponentially over the last decade. As someone who loves to get skincare treatments, I have to admit that I was hesitant when LED (light emitting diode) light therapy devices became available for private home use outside that of dermatologist and aesthetician offices. Not only did I struggle to understand how a home device could be as efficacious as those used in professional office settings, but it seems counterintuitive that this kind of technology is both effective and accessible at a range of price points. But I was wrong! There are quite a few brands with either a light mask or wand in their repertoire but there’s one that caught my eye from the moment it became available. And, of course, it’s the most expensive option. I simply cannot help my taste level, it’s a blessing and a curse. After months of seeing rave reviews online, both from customers and beauty professionals alike, I made one of my very first big beauty splurges and bought the Dr. Dennis Gross DRx SpectraLite FaceWare Pro light mask , which retails for a cool $455. Needless to say, I was eager to see if my purchase was made in vain — and dear readers, I am pleased to report that it was worth every hard-earned cent. As it turns out, there’s a reason the mask is used by celebrities and influencers like Salma Hayek , Charlotte McKinney , and Lucy Hale. It really, truly works — if you are willing to play the long game. So, what does this best-selling light mask actually do? It uses LED lights over your entire face to target the look of both wrinkles and breakouts. This is ideal if, like me, you are perpetually trying to deal with both. You’ve likely seen similar-looking masks and wands floating around, but Dr. Dennis Gross’ FDA-cleared technology uses a combination of 100 red lights and 62 blue lights that work together to target these common skin issues. Red light supports natural collagen production, which helps to smooth the look of fine lines and wrinkles and diminish visible discoloration, scars, and damage, while blue light targets acne-causing bacteria, helping shorten the length of breakouts, calm red skin, and prevent future breakouts. The mask has three settings: red light, blue light, and a third with purple light, a combination of the other two colors. I’ve found that aside from the price tag, something that often discourages people from making the leap is the fact that the brand recommends consistent use for up to 10 weeks to see optimal results. That said, you only need to use it for three minutes a session, so it doesn’t take up a huge chunk of time out of each individual day. But I get it. Ten weeks feels like a really long time! Let me assure you that if you’re using it primarily for acne and breakouts, you may see results almost immediately. I get awful acne along my cheeks when the seasons change. My tender skin doesn’t know how to deal with the onslaught of extreme temperature changes, summer humidity, or winter dryness. During this time, I use my light mask nearly daily, and it’s shocking how quickly my breakouts dry up, and the accompanying scars fade. During this time, I primarily use the blue light setting. During what I like to call my “acne off-season,” I use the purple light 2-3 times a week for regular upkeep. I find that it keeps my skin soft, smooth and healthy and is a lovely supplement to my skincare routine. I can definitely attest that my skin feels smoother after regular use for at least 90 days, which makes it a perfect investment if you have a big event coming up. I loaned my mask to my now-sister-in-law in the months leading up to her wedding a few years back, and she was thrilled with the results. Another thing I love about this light mask is that it truly stands the test of time. I’ve had it for at least four years, and it’s never failed me or had any maintenance issues, and that’s with very regular use. So yes, it’s quite the investment up front, but you’ll be able to reap the benefits for many years to come. I like to use it right after washing my face on bare skin. The eye holes and lack of constraining wires make it easy to go about my business during the three short minutes that it takes to do its thing. Make a snack, take a selfie, drink some wine through a straw — the world is your robo-face oyster. Once it turns off automatically, I continue with my skincare routine as normal. It truly couldn’t be easier to add this step into your regime. A purchase of the Dr. Dennis Gross DRx SpectraLite FaceWare Pro light mask includes a USB charging cord, a detachable and adjustable head strap, a storage bag and user manual to get you started. Even if you aren’t a beauty or skincare fanatic, you won’t regret adding this device to your rotation. The reviews truly speak for themselves. Add it to your birthday wishlist or save up and treat yourself because you absolutely deserve it. I always like to round out a pricey recommendation with more affordable ones, so I’ve included a few other popular options below in case you want to try out light mask technology before you make the big leap. Keep reading to make them yours. 1. Dr. Dennis Gross Skincare DRx SpectraLite FaceWare Pro mask Treat yourself to this game-changing skincare device. Not only is it an easy, convenient way to stay on top of your appearance, but it's also a great gift if you really want to wow a beauty lover in your life. And while it's a big financial investment up front, think of how much you'll save in professional treatments. Promising reviews: "I’ve been consistent with using this for an entire year now. I use it every night before bed. No problems with the charging or strap or anything. I’m in my mid 30’s and my skin has been pretty good to me for the past year. My rosacea has reduced, I’ve had absolutely no acne at all, my wrinkles are barely noticeable, and overall my skin just looks and feels better. I started using a pricy moisturizer too, but I’m sure it’s everything combined. Good purchase!" — Corina Grace "I was hesitant to purchase because of the price. However I am in love with this mask. I have been using it for 2 weeks now and I can already see results. Worth every penny !!!!" — k. owen "It's pricey but it works. This product is expensive but worth the investment if can afford it and will commit to consistent, daily use. I’ve been using for three weeks and can already see improvement in my nasal folds and laugh lines (around my mouth) in photos as well as in the mirror. I typically look for bargains and saw there were similar products for much cheaper, but this mask only needs 3 minutes per cycle and most of the cheaper versions require 20. I’m a career woman and new mom (at 37) and don’t have 20 extra minutes daily. The time savings made it worth it to me and I’m very happy with the purchase." — Amazon Customer Get it from Amazon for $455 (available in two colors). 2. TheraFace PRO handheld facial massage device While only marginally less expensive than the Dr. Dennis Gross light mask, the TheraFace offers the benefits of light therapy alongside that of percussive massage therapy. It's a versatile, multi-use product that is great for someone who wants a 6-in-1 device that can target multiple skincare issues. It comes with three percussive attachments that massage tired, sore muscles and can ease the pain of TMJ. A facial cleansing brush to ensure the deepest fresh clean. A microcurrent head that works to tighten skin and more. Like the aforementioned light mask, it uses three different light modes: one to target skincare, another to prevent and heal acne and a third that is the combination of both. Promising reviews: "I have always had decent skin. I am very prone to blackheads because I have larger pores, but overall I only suffered from very mild acne. For the most part, if I’m breaking out or having trouble spots of dry skin or any hyperpigmentation, it’s because I slacked on my skincare. As far as fine lines/wrinkles I have them on my forehead (main skin concern) and around my eyes a bit. If my skin is dryer then I’ll have slight smile lines but nothing that bothers me. This thing is a lazy persons best friend when it comes to at home treatments. With the exception of the microcurrent feature, all of the treatments require no rinsing after. (So I can literally use this sitting on the couch or laying in bed) I enjoy skincare and use at least 3-5 face masks per week. Sometimes more. Since getting this, I’ve used less masks but have seen incredible results. It’s almost too good to be true! My skin has a much healthier glow to it, that you can’t get from any cream or serum. It’s just healthy looking and clear. I cannot wait to see what my skin looks like after using this for the next few months. This plus a good spf is literally all I need. Therabody never misses!" — Jessie Marie "This all-in-one tool has made me happy. I definitely have fewer fine lines and my skin is tighter. Don’t expect the results you would receive with a facelift, but there is a noticeable difference after using this for several months." — K. Amin Get it from Amazon for $249 (available in two colors). 3. Newkey 7 light mask This popular and highly rated mask boasts seven different light settings that purport to solve myriad skin issues. Like the above, red and blue light targets skin and acne issues. The company also offers green light it says can help improve pigmentation, yellow light that can soothe skin and reduces redness, purple light to stimulate lymph nodes and relax you, light blue light to soothe allergy-reactive skin and white light to accelerate tissue metabolism. The suggested operating time is between 15 and 20 minutes, though you'll probably want to start slow just a few times a week as you try out the different settings and see what works for you. Promising review: "It works. I was skeptical about this and had my eye on it for a while. I thought it was too expensive. But then I added up how much I was spending on facials including LED, I realized it may pay for itself. I’ve used it a few times and can see a difference. My skin is more even toned and looks younger. Fine lines seem even finer. Worth every penny." — Poolmomof3 Get it from Amazon for $150.89 . 4. LightStim for acne This LightStim wand combines blue and red wavelengths of therapeutic light to help treat and control mild to moderate acne, and its small compact nature makes it easy to use while on the go. It comes with a power adaptor, goggles and guide, so you know you're doing it right. Promising review : "It works! It works for me, I love it. I alway get acne on my jawline and forehead. I like the warm light, IT works when you use it daily until all the acne disappears." — Carrie Get it from Dermstore for $169 . 5. Skin Gym WrinkLit LED mask Skin Gym's mask uses three lights — blue, red, and orange — to help eliminate pesky zits, diminish redness, and leave dull skin fresh and glowing. It's wireless, so you don't have to be tied to a plug while it works, and it's pretty cute, if you ask me. Promising review : "Useful! It’s definitely awesome and worth every penny. I have acne prone skin and I can definitely see that my blemishes and pores are minimizing and fading away. Love this Mask!" — Naomi Get it from Bloomingdale's for $99 . 6. Solawave advanced skincare wand with red light therapy If a mask feels too cumbersome, then you may want to check out Solawave's red light wand. It helps depuff the skin along with providing the benefits of red light therapy like reducing the look of wrinkles, fine lines and dark circles over time. It's super portable and can accompany you on your travels with a charge that lasts up to 12 uses. Promising review : "Love this thing! As a previous cosmetologist of 14 years, I know changes in my skin when I see them! I noticed changes after the first time using this one it helps with acne and wrinkles and overall brightening of the skin. It will always be something I use in my routine!" — Katherine B. Get it from Solawave for $169 (available in three colors). 7. Aphrona LED light treatment mask Aphrona's mask penetrates the skin to the cellular level to treat issues such as fine lines, wrinkles and acne. It uses red, blue and green light to accelerate healing and support skin rejuvenation. It does have to be plugged in during use, so be prepared to stay put. Promising review : "First, I love this LED mask. I don’t find the heaviness of the mask to be that bad. What I do is place my nose in the nose slot first, then resting the mask directly to my forehead meaning my forehead and nose are in direct contact with the plastic mask/shield. The mask isn’t made of rubber and therefore it won’t conform to your face on all parts. The application I use gets the biggest bang for your buck in terms of getting your skin/face as close to the mask as possible. The closer your face is to the mask the better the LED’s do their job. If you do research, every inch that your face is from the mask, it’s power declines by a certain percent. In terms of the quality of the mask, the wavelength amounts for each color are excellent, as they have to be in a certain and specific range for them to do what they say they will do." — Privy Liyy Get it from Amazon for $169.99+ (available in two colors). 8. A box of sterile alcohol pads Don't forget to clean your mask after use, or else all your hard work will be for naught. I like to keep a box of medical-grade alcohol swabs handy and wipe the inside of the mask down a couple of times a week to keep it clean. This Medpride box includes 100 pads you can use as needed. Get them from Amazon for $4.25 (also available in a 200-pack). Reviews have been edited for length and/or clarity.
Sorber scores 22 as Georgetown beats Coppin State 83-53
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SOME significant changes are coming in the New Year for Social Security recipients, including a check increase. About 72.5 million Americans depend on a program from the Social Security Administration (SSA). Those programs offer financial support to those who are retired , disabled, or survivors after the death of a spouse, divorced spouse, child, or dependent of someone who paid Social Security taxes . Most recipients know that the monthly check they get in the mail as part of their benefits arrives on Wednesdays, depending on their birthday. They also know that the cost-of-living adjustment (COLA) is announced in October of each year, which will determine how much money they get in the following year. Cost-of-living adjustments are made based on inflation rates and determine what monetary amount would help Americans comfortably get what they need to live in the current economy. Read More on Social Security The COLA adjustment announced on October 10 was 2.5%, the lowest increase in about four years. Still, it's floating around the historical average of about 2.6% and means an additional $48 per month for each check throughout the year, or $576 total. With the COLA adjustment, the average Social Security payment will be $1,968. Although retirees could benefit even more. Most read in Money WAIT IT OUT So long as they wait until what's defined as the full retirement age , determined by the SSA, they can get 100% of benefits. That number is 67 for anyone born after 1960 and means those who wait until then to stop working get $4,018 per check. This is up from $3,822 last year. Single disabled, widows, and widowers will see their payments bumped up to $1,832. Those who are disabled with a spouse and one or more children will have an increase to $2,826 monthly. It's important to note that all of the listed totals are expected averages and are subject to change depending on factors personal to each recipient. Social Security payments are issued on the second, third, or fourth Wednesday of each month based on the recipient's birthdate: Second Wednesday : For individuals born between the 1st and 10th of the month Third Wednesday : For those born between the 11th and 20th Fourth Wednesday : For those born between the 21st and 31st Increases will arrive when payments for 2025 begin in January. TAX CONSIDERATIONS Those Americans still working should also remember that there is a limit on the amount of earnings that can be taxed by the SSA. It's defined as the "maximum taxable earnings" and changes annually along with the COLA based on increases in average wages nationwide. As a result, the more you make, the more is taxed. In 2025, maximum earnings will go up to $176,100 from $168,600. Read More on The US Sun There could also be extraordinary money some Americans could save if President-elect Donald Trump makes specific changes to Social Security. Still, an economist exclusively told The U.S. Sun that Social Security is quietly "screwing people it was designed to help."