z rich

COLUMBUS, Ohio – Ohio State coach Ryan Day attempted to offer an explanation for the post-game fight at Ohio Stadium. What happened? Michigan players tried to plant an "M" flag on the "Block O" after a stunning 13-10 victory against No. 2 Ohio State on Saturday. Several Buckeyes left the post-game tradition of singing "Carmen Ohio" to quite literally meet the Wolverines at midfield. Per the Ohio State Police, "multiple officers representing Ohio and Michigan used pepper spray." Following the game, officers from multiple law enforcement agencies assisted in breaking up an on-field altercation. During the scuffle, multiple officers representing Ohio and Michigan deployed pepper spray. OSUPD is the lead agency for games & will continue to investigate. "I don't know all the details of it, but I know these guys were looking to put a flag on our field and our guys were not going to let that happen," Day said. "We're embarrassed of the fact we lost, but there are some prideful guys on our team that weren't going to let that happen." The ugly scene marred the latest upset that will be etched into The Game rivalry lore, but it is a distraction from the main talking point. Michigan planted the same flag at Ohio Stadium two years after a 45-23 victory on Nov. 26, 2022, but that was a top-five team celebrating its first win in The Shoe since 2000. This was without question the Buckeyes' most embarrassing loss to the Wolverines over the last four years. The post-game fight is a distraction from the newly posed psychological test for Ohio State (10-2, 7-2), which lost the most important game of the season and now has to prepare for a run in the first 12-team College Football Playoff. What Ryan Day said after loss to Michigan Day – now 1-4 vs. Michigan – was left without an answer to what comes next after a loss in an all-in game against the Wolverines. Maybe that is because he simply does not have an answer for Michigan. "I don't know," Day said. "We're fresh off The Game. I don't really have the answer to that. We're very disappointed. Never thought this would happen right here." To be fair, few people did. The Buckeyes were three-score favorites. Michigan quarterback Davis Warren was 9 of 16 for 62 yards and two second-half interceptions to Ohio State standouts Caleb Downs and Jack Sawyer. That line alone would indicate a Buckeyes' win. Who had a 10-10 game at half? The Wolverines shutting out Ohio State in the second half? An upset that resembled the 14-9 shocker on Nov. 23, 1996 that was part of the lineage of John Cooper losses to inferior Michigan teams? And we're talking about planting a flag at midfield? What about the game plan? Ohio State continued to try to hammer at a Michigan run defense that featured future first-round picks Mason Graham and Kenneth Grant. Day seems hyper-obsessed with showing how tough the Buckeyes are in these big-game environments, especially against Notre Dame and Michigan. Ohio State had 26 carries for 77 yards. It was an imperfect balance with Will Howard – who was 19 of 33 for 175 yards, one TD and two costly interceptions. Jayden Fielding missed two field goals. "When we end up throwing 33 times out of 59 — more passes than runs — you can't just abandon the run.," Day said. "You have to be able to control the ball." "The turnovers, the rushing yards, you miss opportunities like those two field goals, yeah, it's going to cost you a game like this," he said. "Every yard matters. Every point matters." Michigan (7-5, 5-4) chipped away three-yards-at-a-time in 20-degree temperatures with Kalel Mulllings, who had 32 carries for 116 yards and a touchdown. He helped set up the game-winning field goal with a 27-yard run on third-and-6. Then, Mullings had some choice words for the Buckeyes afterward in a post-game interview with Fox's Jenny Taft. "At the end of the day they have to learn how to lose, man,” Mullings said. “We had 60 minutes, four quarters to do all that fighting. Now people want to talk and fight. That's bad for the game. Classless, in my opinion." This is an easy trap for Ohio State to fall into in order to find some explanation – any explanation – for the inability to take back control of a rivalry the Buckeyes have dominated for most of the 21st century. Ohio State is 17-7 against Michigan since 2000, but there was a fall-back each of the last three years. You cannot blame players having the flu, former Michigan assistant Connor Stalions stealing signs, a late interception by former Ohio State quarterback Kyle McCord or a post-game brawl. Michigan won the game. They planted a figurative flag at this point that the Buckeyes have not been able to tear down. In the end, Day will take the blame, and he accepted that afterward. "Everybody wants to win this game in the worst way, and nobody wants to win it more than we do," Day said. "It's our No. 1 goal every year. When you don't do that, that's disappointment and frustration." What's next for Ohio State? Now the challenge. Ohio State still is going to the College Football Playoff. The Big Ten championship is gone, but the chance to host a first-round home game is in the cards. The Buckeyes are good enough to win a national championship – but that will depend on the psyche of the team and the ability to block out the highly-toxic noise in Columbus about the failures against Michigan. This was supposed to be the year. The transfer portal spree that landed Howard, Quinshon Judkins and Caleb Downs. The hiring of UCLA coach Chip Kelly as the new offensive coordinator. A barely bowl-eligible Michigan team? This should not have happened. That game matters more than anything else, and we are about to find out just how much when Ohio State returns to the field. Texas went to the playoff without beating Oklahoma last year. But this is Ohio State-Michigan, and with all apologies to the Red River Rivalry, this one means a lot more. How else could you explain Howard and Cody Simon apologizing to the media afterward for the loss. Simon fought back tears. "I don't really know what it's going to look like, but this hurts," Simon said. "We have to come together as a team." Howard also fought back tears and it was short in his response. He had no comment about the post-game fight. He was one of the few who at least addressed what is next. He will start thinking about that Sunday. "We're a two-loss team, we're going to make the playoff and we're going to make a run, but this one hurts," Howard said. "It hurts." When asked a variation of the question and doubled down. "I just said we're going to regroup, go into the playoffs and make a run," Howard said. Start talking about that instead of planting a flag. The sooner the better.z rich 。

Central Banks Are Hoarding Gold-Should You Follow Their Lead?Report: Iowa CB Jermari Harris opts out of rest of season

NexOptic Technology (CVE:NXO) Shares Down 20% – Here’s What HappenedUniversity of Floki Launches to Educate Crypto Users with Free Expert-Led Courses

Kerala registers highest growth in forest cover outside recorded forest areas since 2013, India State of Forest Report 2023 revealsTop 10 Best Organic Farming Companies in India 2025 | Sustainable Agriculture Leaders

DenisTangneyJr Real Estate Weekly Outlook U.S. equity markets tumbled this past week, while benchmark interest rates jumped to six-month highs after the Federal Reserve cut rates for a third-straight meeting but indicated a less-dovish outlook for further easing in 2025. Reflecting concern Read The Full Report on iREIT+Hoya iREIT+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income , diversification , and inflation hedging . Get started with a Free Two-Week Trial and take a look at our top ideas across our exclusive income-focused portfolios. With a focus on REITs, ETFs, Preferreds, and 'Dividend Champions' across asset classes, members gain complete access to our research and our suite of trackers and portfolios targeting premium dividend yields up to 10%. Alex Pettee is President and Director of Research and ETFs at Hoya Capital. Hoya manages institutional and individual portfolios of publicly traded real estate securities. Alex leads the investing group iREIT®+HOYA Capital . The service features a team of analysts focusing on real income-producing asset classes that offer the opportunity for reliable income, diversification, and inflation hedging. Learn More . Analyst’s Disclosure: I/we have a beneficial long position in the shares of RIET, HOMZ, IRET, ALL HOLDINGS IN THE IREIT+HOYA PORTFOLIOS either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Hoya Capital Research & Index Innovations (“Hoya Capital”) is an affiliate of Hoya Capital Real Estate, a registered investment advisory firm based in Rowayton, Connecticut that provides investment advisory services to ETFs, individuals, and institutions. Hoya Capital Research & Index Innovations provides non-advisory services including market commentary, research, and index administration focused on publicly traded securities in the real estate industry. This published commentary is for informational and educational purposes only. Nothing on this site nor any commentary published by Hoya Capital is intended to be investment, tax, or legal advice or an offer to buy or sell securities. This commentary is impersonal and should not be considered a recommendation that any particular security, portfolio of securities, or investment strategy is suitable for any specific individual, nor should it be viewed as a solicitation or offer for any advisory service offered by Hoya Capital Real Estate. Please consult with your investment, tax, or legal adviser regarding your individual circumstances before investing. The views and opinions in all published commentary are as of the date of publication and are subject to change without notice. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Any market data quoted represents past performance, which is no guarantee of future results. There is no guarantee that any historical trend illustrated herein will be repeated in the future, and there is no way to predict precisely when such a trend will begin. There is no guarantee that any outlook made in this commentary will be realized. Readers should understand that investing involves risk and loss of principal is possible. Investments in real estate companies and/or housing industry companies involve unique risks, as do investments in ETFs. The information presented does not reflect the performance of any fund or other account managed or serviced by Hoya Capital Real Estate. An investor cannot invest directly in an index and index performance does not reflect the deduction of any fees, expenses or taxes. Hoya Capital Real Estate and Hoya Capital Research & Index Innovations have no business relationship with any company discussed or mentioned, and never receive compensation from any company discussed or mentioned. Hoya Capital Real Estate, its affiliates, and/or its clients and/or its employees may hold positions in securities or funds discussed on this website and our published commentary. A complete list of holdings and additional important disclosures is available at www.HoyaCapital.com. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.Japanese shares gain on weaker yen after Christmas break

KANSAS CITY, Mo. — As his team’s frantic last play from scrimmage was unfolding against the Kansas City Chiefs on Friday, Raiders coach Antonio Pierce was under the impression officials had called the play dead. “We heard a whistle on our sideline,” Pierce said Saturday, less than 24 hours after the Raiders’ gut-wrenching 19-17 loss. Had Pierce’s initial understanding of the situation held up, the fumbled shotgun snap between Raiders center Jackson Powers-Johnson and quarterback Aidan O’Connell would have been moot. The Raiders would have gotten another chance to run a third-down play against the Chiefs. Or, just brought on kicker Daniel Carlson to attempt a game-winning field goal from 54 yards out. But after the officials huddled, they cited the Raiders (2-10) for an illegal shift rather than an illegal procedure. The Chiefs (11-1) immediately declined the penalty, which meant the fumble Nick Bolton recovered stood — as did one of the most improbable Raiders losses in years. Pierce, who said he would not have done anything differently tactically on the final play, said the Raiders will send a complaint to the NFL, as they typically do after most games when concerns are raised. The NFL, according to Pierce, typically responds within 24 to 36 hours. “We’ll read it and learn from it,” Pierce said. Big pass rush The Raiders registered a season-high four sacks against Chiefs quarterback Patrick Mahomes on Friday, the most they have had since Week 18 last year against the Denver Broncos. It was the 30th straight game the Raiders have recorded at least one sack. The key? Getting help alongside Maxx Crosby, who had one sack, two tackles for loss and four of the Raiders’ 12 quarterback hits. K’Lavon Chaisson added three tackles, 1 1/2 sacks, one tackle for loss and three quarterback hits. Zach Carter added two tackles and a sack, and Adam Butler had six tackles and a half-sack. Pierce was impressed. “We just talked about being relentless. No different than every year we play Kansas City with Patrick,” Pierce said. “It takes everybody. It can’t be the Maxx Crosby show.” Injuries to Malcolm Koonce and Christian Wilkins have reduced what was expected to be a dominant Raiders pass rush. But on Friday, the Raiders finally put together a solid group effort. “Just the overall rush coordination, rush plan. The strain, the finish,” Pierce said. “I thought they all had some great opportunities, some great rushes where we were winning.” O’Connell’s huge day Playing in his first game after missing over a month with a fractured right thumb, Raiders quarterback Aidan O’Connell threw for 340 yards and two touchdowns. The last time a Raiders quarterback threw for more than 340 yards without an interception was Derek Carr in 2021. O’Connell’s 116.4 passer rating on 35 pass attempts was the best rating for a Raiders quarterback with that many throws since Carr in 2021. O’Connell’s four games with a passer rating of 100 or better over his first 15 starts is the most in franchise history. O’Connell said he would have traded it all for a win. “It’s been a hard season,” O’Connell said. “I feel really bad for the guys who work so hard. I’ve been out for five weeks, and it’s been hard to watch because I know how hard the guys work throughout the week. It’s tough to stomach right now. But again, I couldn’t be more proud of our coaching staff and our players. It was a great game except for the last play.” ©2024 Las Vegas Review-Journal. Visit reviewjournal.com. . Distributed by Tribune Content Agency, LLC.Unpacking IT challenges

With the holidays taking up much of your time, you may not be concentrating on retirement moves to make before 2025. But if you’re the type of person who does everything to the max, investing in your future retirement now could be a game changer. Contribution limits In 2024, you can invest up to $23,000 into your 401(k) retirement plan as per IRS contribution limits. If you’re over 50 and need to play catch-up, you can invest an extra $7,500. That means your total possible contribution for 2024 is $30,500. If that seems like a lot, it is. But you don’t have to max out your contributions if you can’t afford it. Employer matching can help. In 2025, you can invest $23,500, bringing your possible contribution up to $31,500. If you’re over 50, the catch-up contribution remains at $7,500 for 2025. But a huge change was made in SECURE 2.0 for employees aged 60 to 63 who participate in workplace retirement plans. Starting in 2025, this super catch-up contribution limit is $11,250 instead of $7,500. People are also reading... Adobe Stock Four ways to max out 1. Figure out how much you contributed. If you’ve contributed as much as possible for the year, you’re in good shape going into 2025. If you’re not sure, you changed jobs or haven’t contributed consistently in 2024, you still have time to make adjustments to max out your 401(k) contributions for the year. 2. Check your employer’s match. Employer matching is a job benefit not to be overlooked. After all, for every dollar you save in your 401(k), your employer matches your contributions dollar-for-dollar or offers a partial match up to a certain percentage of your wages. Knowing where you stand can help you make the most of this opportunity. For example, let’s say you earn $50,000 per year and contribute $3,000 to your 401(k), or 6% of your salary. If your employer offers to match 50 cents of each dollar you contribute up to 6% of your pay, they would add $1,500 each year to your 401(k) account, boosting your total annual contributions to $4,500. 3. Look at your budget. Maxing out your 401(k) is always a good move. However, retirement planning can be a balancing act; sometimes, your budget is downright against it. If you have high debt or no money set aside for emergencies, you may want to hold off a bit. That doesn’t mean you shouldn’t contribute to your retirement plan at all. Maintaining contributions is important, even if it means not maxing it out. Still, if you wait too long to save, you’ll have to play catch-up. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts If you save too much, you may have to tap into your account early, which can mean early withdrawal penalties if you are under age 591⁄2. 4. Boost your contributions. If you have enough cash stashed away to cover a large lump sum contribution to your 401(k), you could max out your 401(k) contributions before the end of the year. You can do this by increasing the percentage you contribute monthly from your paycheck. You’ll want to speak with your employer or HR department to see if this is possible and fill out the necessary paperwork. Keep in mind that how often you increase it or even if you can will depend on your plan rules. You may also want to check to be sure your contributions are still automatic. Since it’s usually easier to save money if it’s automatically deducted from your paycheck, it may be worth reviewing your budget to see if you can boost your contribution amount to max out your 401(k). If you haven’t set up automatic payroll contributions, now is a good time to do so. 1 in 4 people say they’ll go into debt for the holidays. Is social media to blame? Benefits of maxing out Maxing out your 401(k) has some clear benefits. This is especially true if you’ve fallen behind on your savings goals or you simply want to grow your retirement nest egg faster. The main advantage is that you’ll have more money saved for retirement. According to Northwestern Mutual’s 2024 Planning & Progress Study, most retired Americans believe they will need nearly $1.5 million in the bank to retire comfortably. That’s a 15% increase — which far outpaces the 3% to 5% inflation rate — over 2023 and is up 53% from 2020. The money you put into your 401(k) lowers how much you’ll pay in taxes for the year, which may put you in a lower tax bracket. Also, 401(k) investments grow tax-deferred, so you won't pay taxes on the money until you withdraw the funds in retirement. If you have a Roth 401(k), you don't get a tax break on contributions because you fund your account with after-tax dollars. But the money you contribute grows tax-free and you won’t pay any taxes on your withdrawals in retirement. Speak with a pro Maxing out your 410(k) each year may not be enough to retire comfortably, but it is a great start. That’s why enlisting the help of a financial adviser in 2024 can help you get a head start on 2025 and a happy retirement down the road. 4 tips to help you experience exceptional cruise dining | PennyWise podcast You need to make $108,000 to afford a home in America Americans who bought homes in 2024 were older and richer than ever Why you shouldn't store your money in payment apps Be the first to knowFactors driving operational excellence at seaportsRocket scientist’s cast-iron pan threatens to topple Le Creuset

MANCHESTER, England (AP) — Pep Guardiola committed himself to Manchester City for another two years on Thursday and quickly set his sights on adding to his record-breaking reign. Guardiola ended uncertainty about his future by signing a contract extension that would prolong his tenure as City manager to 11 seasons. “I have said this many times before, but I have everything a manager could ever wish for," said the 53-year-old Catalan coach, whose current deal was due to expire at the end of this season. "Hopefully now we can add more trophies to the ones we have already won. That will be my focus.” Guardiola has overseen a period of unprecedented dominance since joining City in 2016. He has gone on to win six Premier League titles in seven years at the Etihad Stadium and also won the Champions League. In total, he has won 15 major trophies at the club. He has set new benchmarks, with City becoming the first team to win four-straight English league titles and the first to amass 100 points in a single season in 2018. He also led City to the treble in 2023, winning the Premier League, Champions League and FA Cup in one season — matching Manchester United's achievement in 1999. “Manchester City means so much to me. This is my ninth season here. We have experienced so many amazing times together. I have a really special feeling for this football club,” Guardiola added in his statement. “That is why I am so happy to be staying for another two more seasons.” Publicly, Guardiola gave no indication about whether he would stay on even as he entered the final months of his contract. That led to speculation about potential successors, but City remained hopeful he could be convinced to sign another extension. He has already managed City for longer than any his former clubs, having spent four years at Barcelona and three at Bayern Munich. City Chairman Khaldoon Al Mubarak said he was “delighted” that Guardiola is staying. “His hunger for improvement and success remains insatiable and the direct beneficiaries of that will continue to be our players and coaching staff, the culture of our club, and the English game at large,” he said. “This renewal will take Pep beyond a decade of coaching Manchester City and the opportunity to continue to re-write the managerial record books.” Guardiola's new deal comes at a time when City's Premier League dominance appears to be under threat . The four-time defending champion has lost four games in succession in all competitions — the worst losing streak of Guardiola's managerial career. Guardiola is widely considered one of the greatest managers of all time, having been a serial winner at Barcelona, Bayern and City. He has won 33 major titles with those clubs, including three Champions League trophies. His decision to stay at City also comes as the club faces a slew of alleged financial breaches . Punishment could be as extreme as expulsion from the league. City faces more than 100 charges ranging over a nine-year period when it was trying to establish itself as the biggest force in English soccer. The club denies the charges and Guardiola had said in September — when a closed-door hearing was scheduled — that he welcomed the chance to clear the club’s name. A verdict is not expected until next year. James Robson is at https://twitter.com/jamesalanrobson AP soccer: https://apnews.com/hub/soccerSport in the age of social media ... Stars battling rampant online abuse

THE Securities and Exchange Commission has made permanent the cease and desist order against Humanitarian and Spiritual Mission Apostulates of Davao and Asia Inc., Hasmadai Foundation Inc. and Humanitarian Institute of Technology Corp. for their unauthorized solicitation of investments. In a resolution, the SEC en banc affirmed the issuance of the CDO against the Hasmadai Group, effectively denying the company’s motion to lift. The SEC issued the CDO against these entities on May 21 after they were found to be soliciting investments from the public without the necessary license from the Commission through the Hasmadai Group’s branches in the Caraga Region. The Hasmadai Group’s scheme revolved around the solicitation of donations ranging from P5,000 to P20,000, with the donor guaranteed to get a monthly “missionary allowance” equivalent to 27 percent to 34 percent of the donation. A donor of P5,000 is guaranteed to receive P8,100 over a 6-month period, while a donor of P20,000 are promised to get more than twice the amount at P41,4000. The scheme involved the sale or offer of securities in the form of investment contracts, whereby a person makes an investment of money, in a common enterprise, with the expectation of profits, to be derived solely from the efforts of others, the SEC said. Section 8 of Republic Act (RA) 8799, or the Securities Regulation Code (SRC), provides that securities shall not be sold or offered for sale or distribution within the Philippines, without a registration statement duly filed with and approved by the SEC. In its motion to lift the SEC order, Hasmadai representatives maintained that the amounts received by its entities were donations and not investments and, as such, cannot be considered as securities under the contemplation of the SRC. It further argued that it is a religious organization whose operations are supported by the donations it receives from willing donors, both locally and abroad, and from the profits generated by its shopping centers. The SEC dismissed the Hasmadai Group’s arguments, and ruled that its members are not donating out of gratuity, but because of the promised missionary allowance ranging from 27 percent to 34 percent that they will receive. “The use of the term ‘donation’ by Hasmadai does not operate to negate the fact that the unauthorized investment scheme, which it is carrying out, consists of selling/offering unregistered securities in the form of investment contract,” the SEC en banc said. A journalism graduate and has covered the Philippine business beat for more than a decade.Ohio State, Michigan players involved in postgame scuffle