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Ask Eartha: How does climate change impact the North Pole?GRAND FORKS — The Christmas break wasn't a problem for UND. Neither was Waldorf University, the Fighting Hawks' overwhelmed opponent Sunday in The Betty. After a nine-day holiday break, UND did what it needed to do in its 97-57 win over the Warriors — a performance that was sharp, clean and effective as the Hawks now turn their attention to the Summit League season. ADVERTISEMENT "We wanted to get out there, play hard, be connected and be engaged," said UND coach Paul Sather. "We wanted to work on every possession and improve. We wanted to keep the vision kind of small and not look at the scoreboard. For the most part, I think we did that." By halftime, UND had its reserves on the floor and none played better than Zach Kraft, the developing redshirt freshman guard from Grand Forks Red River. Kraft hit four of five 3-pointers in the first half and finished with 12 points. His presence the past few games during the nonconference season has given the Hawks a perimeter scoring threat off the bench. "I'm pretty confident on offense," said Kraft, who finished 4-for-7 on 3-pointers. "I have to keep shooting the ball because that's what I'm out there for. I just have to keep working on my defense a little more, keep getting stops." Kraft said he puts up a lot of shots during UND's practices but estimates he takes roughly 300 or more on the weekends. Kraft's scoring surge lately comes as no surprise to Sather. "He's been doing this," said the UND coach. "I think he's one of our leading scorers in practice. He plays hard and plays with great pace. We really believe in his ability. I always tell him that every time he's open, don't hesitate to shoot it." ADVERTISEMENT UND had the game well under control in the first half, going on a 40-4 run that put the Hawks up 40-10. Treysen Eaglestaff continued his smooth play, leading the Hawks with 19 points. Mier Panoam added 13, Deng Mayar 11 and Dariyus Woodson 10 as UND shot 47 percent and 40 percent from beyond the arc. UND opens Summit League play Thursday at home against Omaha, the team that nipped the Hawks in the first round of last season's league postseason tournament. Sather said his team's play during its 6-9 nonconference season was up and down. UND's highlight was its near upset against No. 5 Alabama on Dec. 19, a game that earned the Hawks some national recognition. "We've been pleased with our (nonconference) play at times and there have been times when we've been disappointed with it," said Sather. "We haven't been consistently what we feel we are. It just hasn't come easy for our team. It's still a work of progress for our team. There have been lineup changes here and there. The last few games, with our rotation, I think we've kind of found something." UND will face a 6-9 Omaha team that also has been up and down in the nonconference season. "I think they've felt really good at times about what they're doing and at other times think they have work to do," said Sather.Johor to streamline SME assistance
Join our daily and weekly newsletters for the latest updates and exclusive content on industry-leading AI coverage. Learn More Every week — sometimes every day—a new state-of-the-art AI model is born to the world. As we move into 2025, the pace at which new models are being released is dizzying, if not exhausting. The curve of the rollercoaster is continuing to grow exponentially, and fatigue and wonder have become constant companions. Each release highlights why this particular model is better than all others, with endless collections of benchmarks and bar charts filling our feeds as we scramble to keep up. Eighteen months ago, the vast majority of developers and businesses were using a single AI model . Today, the opposite is true. It is rare to find a business of significant scale that is confining itself to the capabilities of a single model. Companies are wary of vendor lock-in, particularly for a technology which has quickly become a core part of both long-term corporate strategy and short-term bottom-line revenue. It is increasingly risky for teams to put all their bets on a single large language model (LLM). But despite this fragmentation, many model providers still champion the view that AI will be a winner-takes-all market. They claim that the expertise and compute required to train best-in-class models is scarce, defensible and self-reinforcing. From their perspective, the hype bubble for building AI models will eventually collapse, leaving behind a single, giant artificial general intelligence (AGI) model that will be used for anything and everything. To exclusively own such a model would mean to be the most powerful company in the world. The size of this prize has kicked off an arms race for more and more GPUs, with a new zero added to the number of training parameters every few months. We believe this view is mistaken. There will be no single model that will rule the universe, neither next year nor next decade. Instead, the future of AI will be multi-model. Language models are fuzzy commodities The Oxford Dictionary of Economics defines a commodity as a “standardized good which is bought and sold at scale and whose units are interchangeable.” Language models are commodities in two important senses: But while language models are commoditizing, they are doing so unevenly. There is a large core of capabilities for which any model, from GPT-4 all the way down to Mistral Small, is perfectly suited to handle. At the same time, as we move towards the margins and edge cases, we see greater and greater differentiation, with some model providers explicitly specializing in code generation, reasoning, retrieval-augmented generation (RAG) or math. This leads to endless handwringing, reddit-searching, evaluation and fine-tuning to find the right model for each job. And so while language models are commodities, they are more accurately described as fuzzy commodities . For many use cases, AI models will be nearly interchangeable, with metrics like price and latency determining which model to use. But at the edge of capabilities, the opposite will happen: Models will continue to specialize, becoming more and more differentiated. As an example, Deepseek-V2.5 is stronger than GPT-4o on coding in C#, despite being a fraction of the size and 50 times cheaper. Both of these dynamics — commoditization and specialization — uproot the thesis that a single model will be best-suited to handle every possible use case. Rather, they point towards a progressively fragmented landscape for AI. Multi-modal orchestration and routing There is an apt analogy for the market dynamics of language models: The human brain. The structure of our brains has remained unchanged for 100,000 years, and brains are far more similar than they are dissimilar. For the vast majority of our time on Earth, most people learned the same things and had similar capabilities. But then something changed. We developed the ability to communicate in language — first in speech, then in writing. Communication protocols facilitate networks, and as humans began to network with each other, we also began to specialize to greater and greater degrees. We became freed from the burden of needing to be generalists across all domains, to be self-sufficient islands. Paradoxically, the collective riches of specialization have also meant that the average human today is a far stronger generalist than any of our ancestors. On a sufficiently wide enough input space, the universe always tends towards specialization. This is true all the way from molecular chemistry, to biology, to human society. Given sufficient variety, distributed systems will always be more computationally efficient than monoliths. We believe the same will be true of AI. The more we can leverage the strengths of multiple models instead of relying on just one, the more those models can specialize, expanding the frontier for capabilities. An increasingly important pattern for leveraging the strengths of diverse models is routing — dynamically sending queries to the best-suited model, while also leveraging cheaper, faster models when doing so doesn’t degrade quality. Routing allows us to take advantage of all the benefits of specialization — higher accuracy with lower costs and latency — without giving up any of the robustness of generalization. A simple demonstration of the power of routing can be seen in the fact that most of the world’s top models are themselves routers: They are built using Mixture of Expert architectures that route each next-token generation to a few dozen expert sub-models. If it’s true that LLMs are exponentially proliferating fuzzy commodities, then routing must become an essential part of every AI stack. There is a view that LLMs will plateau as they reach human intelligence — that as we fully saturate capabilities, we will coalesce around a single general model in the same way that we have coalesced around AWS, or the iPhone. Neither of those platforms (or their competitors) have 10X’d their capabilities in the past couple years — so we might as well get comfortable in their ecosystems. We believe, however, that AI will not stop at human-level intelligence; it will carry on far past any limits we might even imagine. As it does so, it will become increasingly fragmented and specialized, just as any other natural system would. We cannot overstate how much AI model fragmentation is a very good thing. Fragmented markets are efficient markets: They give power to buyers, maximize innovation and minimize costs. And to the extent that we can leverage networks of smaller, more specialized models rather than send everything through the internals of a single giant model, we move towards a much safer, more interpretable and more steerable future for AI. The greatest inventions have no owners. Ben Franklin’s heirs do not own electricity. Turing’s estate does not own all computers. AI is undoubtedly one of humanity’s greatest inventions; we believe its future will be — and should be — multi-model. Zack Kass is the former head of go-to-market at OpenAI . Tomás Hernando Kofman is the co-Founder and CEO of Not Diamond . DataDecisionMakers Welcome to the VentureBeat community! DataDecisionMakers is where experts, including the technical people doing data work, can share data-related insights and innovation. If you want to read about cutting-edge ideas and up-to-date information, best practices, and the future of data and data tech, join us at DataDecisionMakers. 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Share Tweet Share Share Email The narrative of triumph often unfolds for those who can see promise where it’s overlooked. Consider the uplifting tale of a college student in Miami who, back in 2013, put $5,600 into Litecoin (LTC) when it was just $2 per coin. By 2017, as the value of Litecoin surged to $360, this initial outlay grew into an impressive $1 million, showcasing the benefits of pioneering moves in the cryptocurrency space. Currently, BlockDAG (BDAG) represents a new blockchain development that could potentially mirror or surpass Litecoin’s impressive outcomes. A Miami College Student’s Ascend from $5,600 to $1M via Litecoin In 2013, when cryptocurrency was largely under the radar, Bitcoin’s rapid ascent started to draw attention. One observant college student from Miami saw the untapped potential of digital currencies. With determination and a modest sum of $5,600, he chose to purchase Litecoin (LTC) at just $2 per coin. Over the subsequent four years, as Litecoin’s price increased steadily, his patience and foresight were rewarded. By the end of 2017, when Litecoin reached $360 per coin, his initial investment had transformed into a substantial $1 million. This story illustrates how an early and thoughtful risk can lead to remarkable outcomes. For those who missed Litecoin’s dramatic rise, BlockDAG, a new layer-1 blockchain crypto, now presents a similar opportunity for significant financial gains. BlockDAG: A New Era of Crypto Opportunities with 30,000x ROI BlockDAG blends blockchain security with the flexibility of Directed Acyclic Graph (DAG) technology, addressing the common blockchain challenges of scalability, security, and decentralization. This hybrid approach allows for increased transaction speeds, scalability, and unparalleled reliability, making it a standout in Layer 1 technology. The network’s Proof-of-Work (PoW) consensus maintains decentralized control while ensuring network integrity, appealing to those looking for sustained growth. This technological prowess has captured significant market interest, with over $170.5 million raised in just 26 presale rounds. From an initial price of $0.001 to $0.0234 in the latest round, early participants have seen a 2,240% increase in value. Experts now predict a potential 30,000x return on investment for early supporters in the future. BlockDAG continues to gain momentum in its presale, aiming for a $600 million target and establishing itself as a leading crypto coin. The Potential for Greater Gains with BlockDAG Compared to Litecoin While Litecoin showcased the advantages of early adoption, BlockDAG presents an even more lucrative opportunity. Its superior technology ensures unmatched scalability and security, crucial for future blockchain applications. With a price increase of 2,240% already, experts are projecting a potential rise to $30 per coin by 2030. Compared to the price in the latest presale batch, this estimate suggests an exceptional growth potential, surpassing Litecoin’s historical performance. BlockDAG also caters to the modern developer and trader with its easy-to-use smart contract platform, allowing users to create and deploy smart contracts effortlessly. This user-friendly approach democratizes blockchain technology, fostering wider adoption and enhancing the value of BDAG coins. Final Say Crypto success often comes from early recognition of potential. While Litecoin has made millionaires in the past, BlockDAG stands out as the best crypto presale with its cutting-edge Layer 1 technology and potential for substantial financial returns. For those considering this emerging powerhouse, the time to act is now. BDAG coins are currently priced at just $0.0234, but with the finalization of presale batch 26 and an upcoming price increase, this opportunity won’t last long. Immediate action could secure a place in the next millionaire wave, as delayed decisions might result in missing out on significant gains. Presale: https://purchase.blockdag.network Website: https://blockdag.network Telegram: https://t.me/blockDAGnetworkOfficial Discord: https://discord.gg/Q7BxghMVyu Related Items: BlockDAG , press release Share Tweet Share Share Email Recommended for you Lightchain AI Innovative Solutions Poised To Attract Significant Investor Interest Top Altcoins Expected To Surge Before the Next Bull Run Don’t Miss These Opportunities Could This Lesser-Known Crypto Asset Be the Key To Unlocking Substantial Wealth? Comments
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ATLANTA (AP) — the peanut farmer who tried to restore virtue to the White House after the Watergate scandal and Vietnam War, then rebounded from a landslide defeat to become a global advocate of human rights and democracy, has died. . The Carter Center said the 39th president died Sunday afternoon, , at his home in Plains, Georgia, where he and his wife, who died in November 2023, lived most of their lives. The center said he died peacefully, surrounded by his family. As reaction poured in from around the world, President Joe Biden mourned Carter’s death, saying the world lost an “extraordinary leader, statesman and humanitarian” and he lost a dear friend. Biden cited Carter’s compassion and moral clarity, his work to eradicate disease, forge peace, advance civil and human rights, promote free and fair elections, house the homeless and advocacy for the disadvantaged as an example for others. “To all of the young people in this nation and for anyone in search of what it means to live a life of purpose and meaning – the good life – study Jimmy Carter, a man of principle, faith, and humility,” Biden said in a statement. “He showed that we are a great nation because we are a good people – decent and honorable, courageous and compassionate, humble and strong.” Biden said he is ordering a state funeral for Carter in Washington. A moderate Democrat, as a little-known Georgia governor with a broad grin, effusive Baptist faith and technocratic plans for efficient government. His promise to never 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 said. Carter’s victory over Republican Gerald Ford, whose fortunes fell after pardoning Nixon, came amid Cold War pressures, turbulent oil markets and social upheaval over race, women’s rights and America’s role in the world. His achievements included brokering Mideast peace by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at Camp David for 13 days in 1978. But his coalition splintered under double-digit inflation and the 444-day hostage crisis in Iran. His negotiations ultimately brought all the hostages home alive, but in a final insult, Iran didn’t release them until the inauguration of Ronald Reagan, who had trounced him in the 1980 election. Humbled and back home in Georgia, Carter said his faith demanded that he keep doing whatever he could, for as long as he could, to try to make a difference. He and Rosalynn co-founded in 1982 and spent the next 40 years traveling the world as peacemakers, human rights advocates and champions of democracy and public health. Awarded the Nobel Peace Prize in 2002, Carter helped ease nuclear tensions in North and South Korea, avert a U.S. invasion of Haiti and and Sudan. By 2022, the center had monitored at least 113 elections around the world. Carter was determined to as one of many health initiatives. the Carters built homes with Habitat for Humanity. The common observation that he was better as an ex-president rankled Carter. His allies were pleased that he lived long enough to see biographers and historians and declare it more impactful than many understood at the time. Propelled in 1976 by voters in Iowa and then across the South, Carter ran a no-frills campaign. Americans were captivated by the earnest engineer, and while an election-year Playboy interview drew snickers when he said he “had looked on many women with lust. I’ve committed adultery in my heart many times,” voters tired of political cynicism found it endearing. The first family set an informal tone in the White House, carrying their own luggage, trying to silence the Marine Band’s traditional “Hail to the Chief" and enrolling daughter, Amy, in public schools. Carter was lampooned for wearing a cardigan and urging Americans to turn down their thermostats. But Carter set the stage for an economic revival and sharply reduced America's dependence on foreign oil by deregulating the energy industry along with airlines, trains and trucking. He established the departments of Energy and Education, appointed record numbers of women and nonwhites to federal posts, preserved millions of acres of Alaskan wilderness and pardoned most Vietnam draft evaders. , he ended most support for military dictators and took on bribery by multinational corporations by signing the Foreign Corrupt Practices Act. He persuaded the Senate to ratify the Panama Canal treaties and normalized relations with China, an outgrowth of Nixon’s outreach to Beijing. But crippling turns in foreign affairs took their toll. When OPEC hiked crude prices, making drivers line up for gasoline as inflation spiked to 11%, Carter tried to encourage Americans to overcome “a crisis of confidence.” Many voters lost confidence in Carter instead after the infamous address that media dubbed his “malaise" speech, even though he never used that word. After Carter reluctantly agreed to admit the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979. Negotiations to quickly free the hostages broke down, and then eight Americans died when a top-secret military rescue attempt failed. Carter also had to reverse course on the SALT II nuclear arms treaty after the Soviets invaded Afghanistan in 1979. Though historians would later credit Carter's diplomatic efforts for hastening the end of the Cold war, Republicans labeled his soft power weak. Reagan’s “make America great again” appeals resonated, and he beat Carter in all but six states. Born Oct. 1, 1924, James Earl Carter Jr. in 1946, the year he graduated from the Naval Academy. He brought his young family back to Plains after his father died, abandoning his Navy career, and . Carter reached the state Senate in 1962. After rural white and Black voters elected him governor in 1970, he drew national attention by declaring that “the time for racial discrimination is over.” Carter published more than 30 books and remained influential as his center turned its democracy advocacy onto U.S. politics, monitoring an audit of Georgia’s 2020 presidential election results. After Carter said he felt “perfectly at ease with whatever comes.” “I’ve had a wonderful life,” “I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” Sanz is a former Associated Press reporter.Connor Clark & Lunn Investment Management Ltd. Acquires 118,292 Shares of Option Care Health, Inc. (NASDAQ:OPCH)Sir Keir Starmer has led a host of tributes to former US president Jimmy Carter, saying he “redefined the post-presidency with a remarkable commitment to social justice and human rights at home and abroad”. The Prime Minister said Mr Carter, who died aged 100, will be remembered for the Camp David Accords between Israel and Egypt, as well as his “decades of selfless public service”. He added that it was the Democrat’s “lifelong dedication to peace” that led to him receiving the Nobel Peace prize in 2002. Very sorry to hear of President Carter’s passing. I pay tribute to his decades of selfless public service. My thoughts are with his family and friends at this time. — Keir Starmer (@Keir_Starmer) Sir Keir was joined in paying tribute to the 39th president by other leaders including the King, current President Joe Biden, Lib Dem leader Sir Ed Davey and former PM Tony Blair. The King remembered former US president Jimmy Carter’s 1977 visit to the UK with “great fondness” and praised his “dedication and humility”. In a message to Mr Biden and the American people, Charles said: “It was with great sadness that I learned of the death of President Carter. “He was a committed public servant, and devoted his life to promoting peace and human rights. “His dedication and humility served as an inspiration to many, and I remember with great fondness his visit to the United Kingdom in 1977. “My thoughts and prayers are with President Carter’s family and the American people at this time.” Mr Biden said that Mr Carter was an “extraordinary leader, statesman and humanitarian”. He said his fellow Democrat was a “dear friend”, as he announced that he will order a state funeral to be held for him in Washington DC. “Today, America and the world lost an extraordinary leader, statesman and humanitarian,” he said. “Over six decades, we had the honour of calling Jimmy Carter a dear friend. But, what’s extraordinary about Jimmy Carter though is that millions of people throughout America and the world who never met him thought of him as a dear friend as well. “With his compassion and moral clarity, he worked to eradicate disease, forge peace, advance civil rights and human rights, promote free and fair elections, house the homeless, and always advocate for the least among us. He saved, lifted and changed the lives of people all across the globe. “He was a man of great character and courage, hope and optimism.” Lib Dem leader Sir Ed Davey said Mr Carter “will be remembered for generations”. “Jimmy Carter was an inspiration,” Mr Davey wrote on X. “He led a truly remarkable life dedicated to public service with a genuine care for people. “My thoughts are with his family, friends and all those who loved him. He will be remembered for generations.” Mr Blair said: “Jimmy Carter’s life was a testament to public service; from his time in office, and the Camp David Accords, to his remarkable commitment to the cause of people and peace round the world over the past 40 years,” he said. “I always had the greatest respect for him, his spirit and his dedication. He fundamentally cared and consistently toiled to help those in need.”
SURPRISE, Ariz. — A homicide investigation is underway in Surprise, according to authorities. The Maricopa County Sheriff's Office said the homicide happened near 211th Avenue & Bradley Road. >> Download the 12News app for the latest local breaking news straight to your phone. Details about the victim and how they died were not released by the sheriff's office. "There is no outstanding suspect or threat to the community," the sheriff's office said in a news release. Further details about the investigation are expected to be released at a later time. This is a developing story; additional details will be added as they become available. Watch 12News+ for free You can now watch 12News content anytime, anywhere thanks to the 12News+ app! The free 12News+ app from 12News lets users stream live events — including daily newscasts like "Today in AZ" and "12 News" and our daily lifestyle program, "Arizona Midday"—on Roku and Amazon Fire TV . 12News+ showcases live video throughout the day for breaking news, local news, weather and even an occasional moment of Zen showcasing breathtaking sights from across Arizona. Users can also watch on-demand videos of top stories, local politics, I-Team investigations, Arizona-specific features and vintage videos from the 12News archives. Roku : Add the channel from the Roku store or by searching for "12 News KPNX." Amazon Fire TV : Search for "12 News KPNX" to find the free 12News+ app to add to your account , or have the 12News+ app delivered directly to your Amazon Fire TV through Amazon.com or the Amazon app. More ways to get 12News On your phone: Download the 12News app for the latest local breaking news straight to your phone. iTunes Google Play On your streaming device: Download 12News+ to your streaming device The free 12News+ app from 12News lets users stream live events — including daily newscasts like "Today in AZ" and "12 News" and our daily lifestyle program, "Arizona Midday"—on Roku and Amazon Fire TV. 12News+ showcases live video throughout the day for breaking news, local news, weather and even an occasional moment of Zen showcasing breathtaking sights from across Arizona. On social media: Find us on Facebook , Twitter , Instagram and YouTube .Moonpig sounds alarm over Royal Mail delays ahead of Christmas as it swings to a £33.3m loss By DAILY MAIL CITY & FINANCE REPORTER Updated: 22:03, 10 December 2024 e-mail View comments Moonpig has sounded the alarm over Royal Mail deliveries ahead of Christmas. Moonpig’s chief executive Nickyl Raithatha has said he is in talks with the delivery company about service levels as many areas of the country are ‘struggling’ with the reliability of deliveries. His remarks come as billionaire Daniel Kretinsky – known as the Czech Sphinx – closes in on a £3.6billion deal to buy Royal Mail through the takeover of its parent company International Distribution Services. Raithatha said: ‘We are working with [Royal Mail] to make sure they do continue to improve those service levels which haven’t been at the level we’d want them to be for the last couple of years. ‘If you’re sending someone a birthday card and it’s their birthday tomorrow, it needs to get there tomorrow. ‘There are many regions that are struggling [with reliability], and you probably only need to speak to a few of your friends, and some of them will say that the post arrives every day and others don’t.’ Concerns: Moonpig boss Nickyl Raithatha has said he is in talks with Royal Mail about service levels as many areas of the country are ‘struggling’ with the reliability of deliveries Moonpig swung to a £33.3million loss in the six months to October 31 amid gloomy consumer confidence following an £18.9million profit a year earlier. In a report published in October, regulator Ofcom said Royal Mail ‘continued to fall below’ its service obligations. Only 74.5 per cent of first-class deliveries arrived on time in the 12 months to the end of March against a target of 93 per cent. Last year Royal Mail hailed its ‘best Christmas’ in four years after a huge effort to make amends for a chaotic festive operation in 2022. It said that more than 99 per cent of first and second-class items sent by the last recommended postal dates were delivered in time for Christmas. RELATED ARTICLES Previous 1 Next Ashtead's wake-up call: Equipment firm's decision to switch... Trump unleashes animal spirits to turbocharge US: But UK... Share this article Share HOW THIS IS MONEY CAN HELP How to choose the best (and cheapest) stocks and shares Isa and the right DIY investing account But many consumers and small businesses are wary after strike action left parcels and cards piled up in sorting offices across the UK. This caution has resulted in Moonpig bringing forward reminders to customers for special occasions such as birthdays to ensure cards were sent in good time to account for delays. But Raithatha shrugged off concerns about the takeover. ‘We talk fairly regularly [with Royal Mail] and we have had lots of reassurances that the quality and level of service that we get wouldn’t be impacted by any sort of ownership change,’ he said. DIY INVESTING PLATFORMS AJ Bell AJ Bell Easy investing and ready-made portfolios Learn More Learn More Hargreaves Lansdown Hargreaves Lansdown Free fund dealing and investment ideas Learn More Learn More interactive investor interactive investor Flat-fee investing from £4.99 per month Learn More Learn More Saxo Saxo Get £200 back in trading fees Learn More Learn More Trading 212 Trading 212 Free dealing and no account fee Learn More Learn More Affiliate links: If you take out a product This is Money may earn a commission. These deals are chosen by our editorial team, as we think they are worth highlighting. This does not affect our editorial independence. Compare the best investing account for you Share or comment on this article: Moonpig sounds alarm over Royal Mail delays ahead of Christmas as it swings to a £33.3m loss e-mail Add comment Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence. More top storiesBy BILL BARROW, Associated Press PLAINS, Ga. (AP) — Newly married and sworn as a Naval officer, Jimmy Carter left his tiny hometown in 1946 hoping to climb the ranks and see the world. Less than a decade later, the death of his father and namesake, a merchant farmer and local politician who went by “Mr. Earl,” prompted the submariner and his wife, Rosalynn, to return to the rural life of Plains, Georgia, they thought they’d escaped. The lieutenant never would be an admiral. Instead, he became commander in chief. Years after his presidency ended in humbling defeat, he would add a Nobel Peace Prize, awarded not for his White House accomplishments but “for his decades of untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” The life of James Earl Carter Jr., the 39th and longest-lived U.S. president, ended Sunday at the age of 100 where it began: Plains, the town of 600 that fueled his political rise, welcomed him after his fall and sustained him during 40 years of service that redefined what it means to be a former president. With the stubborn confidence of an engineer and an optimism rooted in his Baptist faith, Carter described his motivations in politics and beyond in the same way: an almost missionary zeal to solve problems and improve lives. Carter was raised amid racism, abject poverty and hard rural living — realities that shaped both his deliberate politics and emphasis on human rights. “He always felt a responsibility to help people,” said Jill Stuckey, a longtime friend of Carter’s in Plains. “And when he couldn’t make change wherever he was, he decided he had to go higher.” Carter’s path, a mix of happenstance and calculation , pitted moral imperatives against political pragmatism; and it defied typical labels of American politics, especially caricatures of one-term presidents as failures. “We shouldn’t judge presidents by how popular they are in their day. That’s a very narrow way of assessing them,” Carter biographer Jonathan Alter told the Associated Press. “We should judge them by how they changed the country and the world for the better. On that score, Jimmy Carter is not in the first rank of American presidents, but he stands up quite well.” Later in life, Carter conceded that many Americans, even those too young to remember his tenure, judged him ineffective for failing to contain inflation or interest rates, end the energy crisis or quickly bring home American hostages in Iran. He gained admirers instead for his work at The Carter Center — advocating globally for public health, human rights and democracy since 1982 — and the decades he and Rosalynn wore hardhats and swung hammers with Habitat for Humanity. Yet the common view that he was better after the Oval Office than in it annoyed Carter, and his allies relished him living long enough to see historians reassess his presidency. “He doesn’t quite fit in today’s terms” of a left-right, red-blue scoreboard, said U.S. Transportation Secretary Pete Buttigieg, who visited the former president multiple times during his own White House bid. At various points in his political career, Carter labeled himself “progressive” or “conservative” — sometimes both at once. His most ambitious health care bill failed — perhaps one of his biggest legislative disappointments — because it didn’t go far enough to suit liberals. Republicans, especially after his 1980 defeat, cast him as a left-wing cartoon. It would be easiest to classify Carter as a centrist, Buttigieg said, “but there’s also something radical about the depth of his commitment to looking after those who are left out of society and out of the economy.” Indeed, Carter’s legacy is stitched with complexities, contradictions and evolutions — personal and political. The self-styled peacemaker was a war-trained Naval Academy graduate who promised Democratic challenger Ted Kennedy that he’d “kick his ass.” But he campaigned with a call to treat everyone with “respect and compassion and with love.” Carter vowed to restore America’s virtue after the shame of Vietnam and Watergate, and his technocratic, good-government approach didn’t suit Republicans who tagged government itself as the problem. It also sometimes put Carter at odds with fellow Democrats. The result still was a notable legislative record, with wins on the environment, education, and mental health care. He dramatically expanded federally protected lands, began deregulating air travel, railroads and trucking, and he put human rights at the center of U.S. foreign policy. As a fiscal hawk, Carter added a relative pittance to the national debt, unlike successors from both parties. Carter nonetheless struggled to make his achievements resonate with the electorate he charmed in 1976. Quoting Bob Dylan and grinning enthusiastically, he had promised voters he would “never tell a lie.” Once in Washington, though, he led like a joyless engineer, insisting his ideas would become reality and he’d be rewarded politically if only he could convince enough people with facts and logic. This served him well at Camp David, where he brokered peace between Israel’s Menachem Begin and Epypt’s Anwar Sadat, an experience that later sparked the idea of The Carter Center in Atlanta. Carter’s tenacity helped the center grow to a global force that monitored elections across five continents, enabled his freelance diplomacy and sent public health experts across the developing world. The center’s wins were personal for Carter, who hoped to outlive the last Guinea worm parasite, and nearly did. As president, though, the approach fell short when he urged consumers beleaguered by energy costs to turn down their thermostats. Or when he tried to be the nation’s cheerleader, beseeching Americans to overcome a collective “crisis of confidence.” Republican Ronald Reagan exploited Carter’s lecturing tone with a belittling quip in their lone 1980 debate. “There you go again,” the former Hollywood actor said in response to a wonky answer from the sitting president. “The Great Communicator” outpaced Carter in all but six states. Carter later suggested he “tried to do too much, too soon” and mused that he was incompatible with Washington culture: media figures, lobbyists and Georgetown social elites who looked down on the Georgians and their inner circle as “country come to town.” Carter carefully navigated divides on race and class on his way to the Oval Office. Born Oct. 1, 1924 , Carter was raised in the mostly Black community of Archery, just outside Plains, by a progressive mother and white supremacist father. Their home had no running water or electricity but the future president still grew up with the relative advantages of a locally prominent, land-owning family in a system of Jim Crow segregation. He wrote of President Franklin Roosevelt’s towering presence and his family’s Democratic Party roots, but his father soured on FDR, and Jimmy Carter never campaigned or governed as a New Deal liberal. He offered himself as a small-town peanut farmer with an understated style, carrying his own luggage, bunking with supporters during his first presidential campaign and always using his nickname. And he began his political career in a whites-only Democratic Party. As private citizens, he and Rosalynn supported integration as early as the 1950s and believed it inevitable. Carter refused to join the White Citizens Council in Plains and spoke out in his Baptist church against denying Black people access to worship services. “This is not my house; this is not your house,” he said in a churchwide meeting, reminding fellow parishioners their sanctuary belonged to God. Yet as the appointed chairman of Sumter County schools he never pushed to desegregate, thinking it impractical after the Supreme Court’s 1954 Brown v. Board decision. And while presidential candidate Carter would hail the 1965 Voting Rights Act, signed by fellow Democrat Lyndon Johnson when Carter was a state senator, there is no record of Carter publicly supporting it at the time. Carter overcame a ballot-stuffing opponent to win his legislative seat, then lost the 1966 governor’s race to an arch-segregationist. He won four years later by avoiding explicit mentions of race and campaigning to the right of his rival, who he mocked as “Cufflinks Carl” — the insult of an ascendant politician who never saw himself as part the establishment. Carter’s rural and small-town coalition in 1970 would match any victorious Republican electoral map in 2024. Once elected, though, Carter shocked his white conservative supporters — and landed on the cover of Time magazine — by declaring that “the time for racial discrimination is over.” Before making the jump to Washington, Carter befriended the family of slain civil rights leader Martin Luther King Jr., whom he’d never sought out as he eyed the governor’s office. Carter lamented his foot-dragging on school integration as a “mistake.” But he also met, conspicuously, with Alabama’s segregationist Gov. George Wallace to accept his primary rival’s endorsement ahead of the 1976 Democratic convention. “He very shrewdly took advantage of his own Southerness,” said Amber Roessner, a University of Tennessee professor and expert on Carter’s campaigns. A coalition of Black voters and white moderate Democrats ultimately made Carter the last Democratic presidential nominee to sweep the Deep South. Then, just as he did in Georgia, he used his power in office to appoint more non-whites than all his predecessors had, combined. He once acknowledged “the secret shame” of white Americans who didn’t fight segregation. But he also told Alter that doing more would have sacrificed his political viability – and thus everything he accomplished in office and after. King’s daughter, Bernice King, described Carter as wisely “strategic” in winning higher offices to enact change. “He was a leader of conscience,” she said in an interview. Rosalynn Carter, who died on Nov. 19 at the age of 96, was identified by both husband and wife as the “more political” of the pair; she sat in on Cabinet meetings and urged him to postpone certain priorities, like pressing the Senate to relinquish control of the Panama Canal. “Let that go until the second term,” she would sometimes say. The president, recalled her former aide Kathy Cade, retorted that he was “going to do what’s right” even if “it might cut short the time I have.” Rosalynn held firm, Cade said: “She’d remind him you have to win to govern.” Carter also was the first president to appoint multiple women as Cabinet officers. Yet by his own telling, his career sprouted from chauvinism in the Carters’ early marriage: He did not consult Rosalynn when deciding to move back to Plains in 1953 or before launching his state Senate bid a decade later. Many years later, he called it “inconceivable” that he didn’t confer with the woman he described as his “full partner,” at home, in government and at The Carter Center. “We developed a partnership when we were working in the farm supply business, and it continued when Jimmy got involved in politics,” Rosalynn Carter told AP in 2021. So deep was their trust that when Carter remained tethered to the White House in 1980 as 52 Americans were held hostage in Tehran, it was Rosalynn who campaigned on her husband’s behalf. “I just loved it,” she said, despite the bitterness of defeat. Fair or not, the label of a disastrous presidency had leading Democrats keep their distance, at least publicly, for many years, but Carter managed to remain relevant, writing books and weighing in on societal challenges. He lamented widening wealth gaps and the influence of money in politics. He voted for democratic socialist Bernie Sanders over Hillary Clinton in 2016, and later declared that America had devolved from fully functioning democracy to “oligarchy.” Related Articles Yet looking ahead to 2020, with Sanders running again, Carter warned Democrats not to “move to a very liberal program,” lest they help re-elect President Donald Trump. Carter scolded the Republican for his serial lies and threats to democracy, and chided the U.S. establishment for misunderstanding Trump’s populist appeal. He delighted in yearly convocations with Emory University freshmen, often asking them to guess how much he’d raised in his two general election campaigns. “Zero,” he’d gesture with a smile, explaining the public financing system candidates now avoid so they can raise billions. Carter still remained quite practical in partnering with wealthy corporations and foundations to advance Carter Center programs. Carter recognized that economic woes and the Iran crisis doomed his presidency, but offered no apologies for appointing Paul Volcker as the Federal Reserve chairman whose interest rate hikes would not curb inflation until Reagan’s presidency. He was proud of getting all the hostages home without starting a shooting war, even though Tehran would not free them until Reagan’s Inauguration Day. “Carter didn’t look at it” as a failure, Alter emphasized. “He said, ‘They came home safely.’ And that’s what he wanted.” Well into their 90s, the Carters greeted visitors at Plains’ Maranatha Baptist Church, where he taught Sunday School and where he will have his last funeral before being buried on family property alongside Rosalynn . Carter, who made the congregation’s collection plates in his woodworking shop, still garnered headlines there, calling for women’s rights within religious institutions, many of which, he said, “subjugate” women in church and society. Carter was not one to dwell on regrets. “I am at peace with the accomplishments, regret the unrealized goals and utilize my former political position to enhance everything we do,” he wrote around his 90th birthday. The politician who had supposedly hated Washington politics also enjoyed hosting Democratic presidential contenders as public pilgrimages to Plains became advantageous again. Carter sat with Buttigieg for the final time March 1, 2020, hours before the Indiana mayor ended his campaign and endorsed eventual winner Joe Biden. “He asked me how I thought the campaign was going,” Buttigieg said, recalling that Carter flashed his signature grin and nodded along as the young candidate, born a year after Carter left office, “put the best face” on the walloping he endured the day before in South Carolina. Never breaking his smile, the 95-year-old host fired back, “I think you ought to drop out.” “So matter of fact,” Buttigieg said with a laugh. “It was somehow encouraging.” Carter had lived enough, won plenty and lost enough to take the long view. “He talked a lot about coming from nowhere,” Buttigieg said, not just to attain the presidency but to leverage “all of the instruments you have in life” and “make the world more peaceful.” In his farewell address as president, Carter said as much to the country that had embraced and rejected him. “The struggle for human rights overrides all differences of color, nation or language,” he declared. “Those who hunger for freedom, who thirst for human dignity and who suffer for the sake of justice — they are the patriots of this cause.” Carter pledged to remain engaged with and for them as he returned “home to the South where I was born and raised,” home to Plains, where that young lieutenant had indeed become “a fellow citizen of the world.” —- Bill Barrow, based in Atlanta, has covered national politics including multiple presidential campaigns for the AP since 2012.Hail Flutie: BC celebrates 40th anniversary of Miracle in Miami
Share Tweet Share Share Email Predictive analytics, a subset of advanced analytics, uses statistical algorithms, machine learning techniques, and data mining to analyze historical data and make predictions about future outcomes. In finance, this approach has become a cornerstone for enhancing decision-making, reducing risks, and identifying opportunities. But how does predictive analytics contribute to financial health? And why is seeing the big picture crucial ? The Importance of Financial Health Financial health reflects the stability and sustainability of an individual, business, or economy. For individuals, it entails consistent income, manageable debt, and savings for future needs. For businesses, financial health involves maintaining profitability, ensuring liquidity, and managing risks effectively. Predictive analytics provides tools to assess, monitor, and improve these aspects by offering data-driven insights. Why Predictive Analytics Matters in Financial Management Proactive Decision-Making: Instead of reacting to financial issues, predictive analytics allows entities to anticipate and mitigate problems before they escalate. Risk Management: By analyzing historical patterns, businesses can identify potential risks and devise strategies to counteract them. Optimized Investments: Insights derived from predictive models can help optimize investment decisions, ensuring maximum returns. Key Applications of Predictive Analytics in Financial Health Credit Scoring and Risk Assessment Credit scoring is one of the most common applications of predictive analytics in finance. By evaluating historical borrowing and repayment data, predictive models can determine the likelihood of a borrower defaulting on a loan. Furthermore, This information helps lenders make informed decisions, minimizing potential losses. For example, financial institutions use machine learning models to evaluate creditworthiness by considering multiple factors, such as income, credit history, and spending habits. These models go beyond traditional credit scoring methods, providing a comprehensive risk profile for borrowers. Fraud Detection Financial fraud poses a significant threat to individuals and organizations alike. Predictive analytics plays a pivotal role in identifying unusual patterns that may indicate fraudulent activities. Machine learning algorithms analyze vast amounts of transactional data, flagging anomalies in real time. For instance, if a credit card is suddenly used in a different country or for unusually large purchases, predictive models can detect these anomalies and trigger alerts. This proactive approach enhances security and reduces financial losses. Portfolio Management Investors and portfolio managers rely on predictive analytics to make data-driven decisions. By analyzing market trends, economic indicators, and historical performance, predictive models provide insights into the future performance of assets. This enables better asset allocation, diversification, and risk management. For example, robo-advisors use predictive analytics to recommend personalized investment strategies based on an investor’s goals, risk tolerance, and financial situation. These automated tools make investing accessible and efficient. Cash Flow Forecasting Accurate cash flow management is vital for businesses to ensure liquidity and avoid financial crises. Predictive analytics helps companies forecast cash inflows and outflows by analyzing historical data, seasonal trends, and market conditions. This foresight allows businesses to plan expenditures, manage debts, and seize growth opportunities effectively. Personal Financial Planning Individuals can leverage predictive analytics for budgeting and long-term financial planning. In as much as, Tools like budgeting apps and financial planning software use predictive models to analyze spending habits and forecast future financial needs. These insights empower users to make informed decisions, save effectively, and achieve financial goals. The Role of Data in Predictive Analytics Data is the backbone of predictive analytics. Without accurate and comprehensive data, predictive models cannot deliver reliable insights. In financial health, data sources include: Historical Financial Data: Past transactions, income statements, and balance sheets provide the foundation for analysis. Market Trends: Economic indicators, stock market data, and industry trends help predict future scenarios. Behavioral Data: Insights into consumer behavior, such as spending habits and preferences , enrich predictive models. Challenges in Implementing Predictive Analytics Data Quality and Accessibility The accuracy of predictive models depends on the quality of data. Incomplete, outdated, or biased data can lead to flawed predictions. Additionally, accessing sensitive financial data often involves navigating complex privacy regulations and security concerns. Integration with Existing Systems Implementing predictive analytics requires integrating advanced tools with existing financial systems. This process can be challenging and time-consuming, especially for organizations with legacy systems. Expertise and Costs Building and maintaining predictive models demand skilled data scientists and significant investments in technology. Moreover, For smaller businesses or individuals, these costs can be prohibitive. Best Practices for Leveraging Predictive Analytics Define Clear Objectives Identify specific financial goals and align predictive analytics efforts with these objectives. Whether it’s reducing credit risks, improving savings, or optimizing investments, clarity in goals ensures effective implementation. Invest in Quality Data Ensure access to accurate, comprehensive, and up-to-date data. Implement robust data governance practices to maintain data integrity and compliance. Embrace Automation Automation simplifies predictive analytics processes, making them more accessible and efficient. Tools like artificial intelligence (AI) and machine learning can automate data analysis, model building, and insights generation. Monitor and Update Models Predictive models must evolve with changing market conditions and new data. Thus, Regular monitoring and updates ensure models remain relevant and reliable. Future Trends in Predictive Analytics for Financial Health The field of predictive analytics continues to evolve, driven by advancements in technology and increasing demand for data-driven insights. Key trends include: Integration with Artificial Intelligence AI-powered predictive analytics can process vast amounts of data at unprecedented speeds, uncovering deeper insights and enhancing accuracy. Additionally, AI-driven tools like natural language processing and deep learning are expected to revolutionize financial analytics. Real-Time Analytics Real-time predictive analytics enables faster decision-making by providing immediate insights. This capability is particularly valuable in volatile markets or fraud detection scenarios. Increased Accessibility As technology becomes more affordable, predictive analytics tools are becoming accessible to small businesses and individuals. Furthermore, This democratization of analytics empowers more users to benefit from data-driven insights. Conclusion Predictive analytics is transforming financial health by enabling proactive decision-making, enhancing risk management, and optimizing financial strategies. Additionally, By seeing the big picture, individuals and businesses can navigate uncertainties, seize opportunities, and achieve sustainable growth. While challenges exist, the future of predictive analytics in finance holds immense potential, promising greater accessibility, efficiency, and impact. Furthermore, Embracing this innovative approach is not just an option—it’s a necessity for thriving in an increasingly data-driven world. Related Items: Offload Real-Time Analytics , Predictive Analytics for Financial Health , Seeing the Big Picture Share Tweet Share Share Email Recommended for you Offload Real-Time Analytics from MongoDB Using Elasticsearch Comments
Eagles grades vs. Cowboys: Rout was on with Saquon Barkley’s spectacular second half and CJGJ’s two picksAndy Cohen Spills Anderson Cooper’s Most Annoying NYE AnticPETALING Jaya City Council (MBPJ) plans to build the city’s first pickleball courts at The Spine@PJKita in Kelana Jaya as the sport continues to gain interest from the public. Mayor Mohamad Zahari Samingon said MBPJ has already appointed a vendor after a tender process took place to build six pickleball courts near the futsal courts at Dewan D’Kelana multipurpose hall in Petaling Jaya. He said construction for the project was scheduled to begin January next year, adding that the local council awarded the contract following the approval of the Selangor state executive council. “The pickleball courts will be housed in covered and open spaces at the venue,” he said, adding that in Selangor, the Subang Jaya City Council was the first to have pickleball courts. The decision to have pickleball courts came after Selangor Mentri Besar Datuk Seri Amirudin Shari announced, when tabling the state’s Budget 2025, that the state would introduce it as a medal sport when it hosts the 2026 Malaysia Games (Sukma). Amirudin said sports experts had also projected that the Asian region would become the world’s hub for pickleball, with the emergence of an additional 100 million players in the next five years. Mohamad Zahari was speaking after presenting awards to recipients of MBPJ’s Clean Food Premises and Toilets programme in conjunction with World Toilet Day 2024 at the Petaling Jaya Civic Centre. The awards ceremony was held to recognise operators and owners for their efforts and initiatives in keeping food premises and public toilets clean. They were assessed based on criteria set by MBPJ, in accordance with government guidelines. A total of 119 recipients were presented awards at the event. These included 90 for the clean food premises category and 29 for the clean public toilets category. All premises that received this recognition had a high level of cleanliness, with assessment scores exceeding 86% for food premises and 91% for public toilets. On another matter, Mohamad Zahari said more recycling centres could be built in Petaling Jaya, depending on the availability of suitable locations. MBPJ currently had the PJ Eco Recycling Plaza at Sungai Way Free Trade Industrial Zone that was a collection centre for recyclable materials and sold pre-loved items at affordable prices. It also had the Smart Waste Solution Lab in SS2, a pilot project launched in May 2017 that processed food waste into liquid fertiliser, biogas and detergent.
Leicester hope to appoint new manager before Brentford clash on Saturday after sacking Steve Cooper, with club interested in speaking to English boss Steve Cooper was sacked after only 15 games in charge following loss to Chelsea Foxes are interested in a manager they approached last summer and in 2023 Will Ruben Amorim be Man United's saviour? LISTEN NOW: It's All Kicking Off! Available wherever you get your podcasts. Episodes every Monday and Thursday By TOM COLLOMOSSE Published: 23:00, 24 November 2024 | Updated: 23:00, 24 November 2024 e-mail View comments Leicester will look to appoint a new permanent manager in time for Saturday’s trip to Brentford after sacking Steve Cooper after only 15 games in charge. The former Nottingham Forest boss departed King Power Stadium the day after his side’s flat performance in a 2-1 home defeat by Chelsea , leaving them two points above the relegation zone. Cooper was hired on a three-year contract last summer and leaves with Leicester in the best position of the three sides promoted from the Championship last term. It is understood the club would be interested in speaking to Graham Potter , who they approached last summer and in spring 2023. Cooper struggled to win over the majority of the squad. At their Christmas party in Copenhagen on Saturday night – a trip which had been approved by Cooper – players were pictured in the Museo nightclub in the city. In one of the pictures, a reveller holds aloft a sign ‘Enzo I miss you’. Former Leicester coach Enzo Maresca , who was succeeded by Cooper, had led Chelsea to a 2-1 win at King Power Stadium hours earlier. Leicester will look to appoint a new permanent manager in time for Saturday’s trip to Brentford It comes after the Foxes sacked Steve Cooper after only 15 games in charge It is understood Leicester would be interested in speaking to ex-Chelsea boss Graham Potter Even though results were not disastrous, Leicester chiefs were alarmed by the standard of performances while the change in approach between Cooper and Maresca is also thought to have unsettled a number of players. The squad were due to have Monday off before resuming training on Tuesday. Ruud van Nistelrooy may also throw his hat into the ring after leaving Manchester United earlier this month, while David Moyes has a strong track record and is available. Leicester were relegated at the end of the 2022-23 campaign, having resisted sacking Brendan Rodgers until it was arguably too late. Mail Sport understands the hierarchy did not want to be left wondering again this time, with the stakes so high. Though not thought to be a strong factor in his dismissal, Cooper’s vociferous criticism of officials was unusual for a Leicester manager in the era of the Srivaddhanaprabha family’s ownership. After the game on Saturday the Welshman was vocal in his attack on referee Andy Madley for failing to give Leicester more than one penalty in the second half. Leicester Graham Potter Steve Cooper Share or comment on this article: Leicester hope to appoint new manager before Brentford clash on Saturday after sacking Steve Cooper, with club interested in speaking to English boss e-mail Add comment