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Forrest's 30 lead N.C. A&T past North Carolina Central 85-72Savvy investments in the stock market could pave the way to incredible wealth accumulation. Take Nvidia , for example. If you invested $10,000 in Nvidia a decade ago, you would be sitting on over $3 million today. Archer Aviation ( ACHR 4.50% ) is an innovative flying taxi company that could revolutionize urban travel. Imagine effortlessly soaring over city traffic in an electric drone-like aircraft, whisked away to your destination in record time. It's the future and could be closer than you think. According to Morgan Stanley , the urban air travel industry could grow into a $9 trillion market by 2050. As cities grow and traffic congestion worsens, demand for aerial transportation will inevitably surge. The question is: Can Archer Aviation seize this opportunity and provide life-changing wealth? Let's examine the company to find out. Archer Aviation looks to reimagine transportation with its Midnight aircraft Archer is one of the leading companies working on electric vertical takeoff and landing aircraft (eVTOL). These aircraft hover vertically and can operate in small spaces. Also, their electric motors are powered by modern battery technology, allowing them to operate quieter than helicopters with less pollution, making them ideal for urban transportation. Archer has been developing its aircraft since 2018 and has made huge strides in getting them commercially operational. Earlier this year, its flagship Midnight aircraft performed a successful transition flight , where it soared vertically, then transitioned from hovering to flying like a typical fixed-wing aircraft. After reaching speeds of over 100 miles per hour, it returned for a smooth vertical landing. What's next for Archer Several steps are left before eVTOL operators achieve commercial operations and, more importantly, start producing steady revenue. Archer is making significant strides in its certification process, having completed three of the four required steps. This certification is crucial, since it will confirm that the Midnight eVTOL has met rigorous safety standards and will pave the way for commercial flight operations. The company anticipates receiving the certification by late 2025. In addition to type certification, Archer is also pursuing production certification, which will enable the large-scale manufacturing of its Midnight aircraft. With a factory in Georgia, Archer plans to produce up to 650 aircraft annually, with production projected to commence in 2025. The preparation for air taxis is underway. Archer is partnering with Southwest Airlines to map out electric air taxi networks at California airports served by Southwest. And it is collaborating with Signature Aviation to electrify 200 airports across the U.S. Archer expects to roll out its Los Angeles air mobility network by 2026 while also seeking international expansion, with operations in the United Arab Emirates set to begin as early as 2025. Can Archer Aviation set you up for life? Archer's innovative aircraft could revolutionize urban transportation. As a pioneer in the industry, Archer stands to benefit from a first-mover advantage as it transitions from concept to manufacturing and eventually to large-scale commercial operations. However, the company is still pre-revenue, and positive cash flow is years away. The growth story will take years or even decades to play out, making it best for extremely patient investors with a long time horizon. Its significant upside potential comes with a lot of execution risk around this new form of travel that may take time before it has mainstream acceptance, leaving the stock vulnerable to volatility along the way. If you're looking to build a position in Archer today, a wise approach is to start small and gradually add to it over time , making sure it is part of a well-diversified portfolio . In this scenario, you could benefit from the company's potentially explosive growth. And if it fails to take flight, at least you'll have your other investments to fall back on.

The National List (NL), a ticket for unelected entry to Parliament, is a subject of ongoing controversy, especially in the context of the opening of this country’s 10 th Parliament last Thursday. Mr. Ravi Karunanayake’s entry into the legislature via the NL continues to make waves. As far as the NPP or NPP/JVP, whatever you may prefer to call it, there was no serious problem if the nomination of two defeated candidates is discounted. This party which won a stunning better than two thirds majority at the last general election was entitled to 18 National List seats in proportion to its total national vote. It submitted the list of its nominees days after the conclusion of the election – 16 from the list of names placed before the electorate, i.e. pre-election, and two names of candidates who unsuccessfully ran on Nov. 14. The law permits NL places to be filled either from the submitted list or from candidates who ran at the election. This latter provision was allegedly smuggled into the statute. As at previous elections there has been criticism, as was the case this time round too, that those who were rejected by the voters have been permitted “backdoor entry.” The ruling party, despite its earlier profession that it would not nominate defeated candidates, justified its decision to nominate two such on a basis that was not without some logic. As the JVP’s General Secretary Tilvin Silva explained on a television talk show, the two nominations were made from the Digamadulla and Vanni electoral districts. At Digamadulla, with a sizable Muslim population, his party won four seats that did not include a Muslim. So they nominated a defeated Muslim candidate to represent that segment of the electorate in parliament. In the Vanni they won two seats, both by Tamil candidates. Since the district included many Sinhalese who contributed to their victory, they decided to give their Sinhala district organizer a slot. There had been many other requests they had not conceded, Silva said making the point that in politics there must be room for some flexibility. Where the opposition is concerned, Mr. MA Sumanthiran, a defeated ITAK candidate from the Jaffna district very properly declined his party’s single NL entitlement on the grounds that he had been rejected by the voters. The main opposition Samagi Jana Balavegaya (SJB) was undecided at the time this comment is being written of who will take four of the five slots it won having already nominated its general secretary, Ranjith Madduma Bandara, for one of the places. It is reportedly pondering over six names – Dullas Alahapperuma (who ran against Ranil Wickremesinghe for president in the parliamentary vote), Imthiaz Bakeer Markar (the SJB chairman) Sujeewa Senasinghe (lawyer and former state minister) Eran Wickremaratne (former banker and state minister), Tissa Attanayake (SJB national organizer) and Mano Ganesan (former minister and leader of the Democratic People’s Front influencing an Indian Tamil segment of the electorate). Hirunika Premachandra has also gone public saying she’s seeking a place. Whatever the selection criteria, the party is in a tight bind to make its choice. Namal Rajapaksa correctly judged that he would not be able to win a seat under the SLPP’s pohottuwa symbol and wisely had himself placed on the party’s NL. He has thus been able to enter parliament and keep the Rajapaksa name alive in the legislature. Ravi Karunanayake’s nomination on one of the two NL seats that the Ranil Wickremesinghe-led National Democratic Front (NDF) had earned has since seen a lot of smelly stuff hitting the fan. Wickremesinghe is on record saying he knew nothing about the nomination made by Sharmila Perera, the NDF secretary. Karunanayake was quoted in Friday’s Daily Mirror saying Wickremesinghe had been misled by two people he did not want to name “as everyone knows who they are.” He further accused: “No one is talking about the injustice done to me but only talk about negative things about me.” Karunanayake is the third ranking “assistant leader” of the UNP and now risks expulsion from that party. But whether he can be expelled from the NDF and lose the seat he has just occupied is an open question. Whether this country does need a National List enabling backdoor entry to as many as 29 seats in a 225-member House is a matter that merits serious re-examination. The current NL succeeded the previous six Appointed MPs representing “unrepresented interests” under the Soulbury Constitution. They were appointed by the Governor General on the advice of the Prime Minister and included Burghers, Estate Tamils (after they were disenfranchised), European interests, Malays etc. SWRD Bandaranaike nominated Mr. Asoka Karunaratne in 1956 to represent the so-called depressed castes and Mrs. Bandaranaike nominated the well known pediatrician, Dr. LO Abeyratne to represent the children of Sri Lanka. The 1978 constitution created the National List (NL) of 29 members on the basis of bringing in talent unwilling to run for election or could not be elected. But this became a convenience for political parties and their leaders and an avenue of extending patronage. As far as we can recall, Mr. Lakshman Kadirgamar, the best foreign minister we had during a difficult period in our history was one of the few if not the only adornment in parliament through the NL. Are we keeping this backdoor permanently open with beneficiaries receiving generous pensions for life after only five years of parliamentary service? This as much as the long list of “recognized parties” in the books of the Elections Department require urgent review. These parties are brazenly traded, acquired by various vested interests for their own benefit and cost the tax payer hugely as demonstrated in this year’s elections. Hopefully something would be done about both these matters sooner than later.NEW YORK, Dec 28: Elon Musk has announced that he has switched to a more powerful weight-loss medication, sharing the update with a festive photo of himself dressed as Father Christmas. The 53-year-old SpaceX billionaire posted a picture of his slimmer self in a red-and-white fur-lined suit, captioned "Ozempic Santa." Musk clarified that although he had previously been using Ozempic, a medication for Type 2 diabetes that has gained popularity for weight loss, he is now taking Mounjaro instead. "Technically, Mounjaro, but that doesn't have the same ring to it," he added. The change came after Musk experienced uncomfortable side effects from Ozempic, leading him to seek an alternative. Ozempic, along with other GLP-1 inhibitors, works by mimicking a natural hormone that helps users feel full. Musk revealed that high doses of Ozempic caused significant discomfort, making him "fart and burp like Barney from The Simpsons." He noted that Mounjaro has fewer side effects and seems more effective. The drugs have become highly sought after for weight loss, although they are not widely available through federal insurance programs. A recent poll found that 12% of Americans have used GLP-1 inhibitors at some point, with half of that number currently using them. Mounjaro, which has been dubbed the "King Kong" of weight-loss drugs, is considered more effective than its competitors with fewer side effects. It received FDA approval for weight loss in November 2023 under the brand name Zepbound. In the UK, the drug will be available on a limited basis through the NHS starting in April. Research suggests that broader access to GLP-1 inhibitors could have significant health benefits, potentially saving 42,000 lives annually in the U.S., including 11,000 people with Type 2 diabetes who could benefit from these medications. The drugs have gained particular attention in Hollywood, where they have been called the "worst-kept secret" in the industry. Musk has voiced support for making these medications more affordable, stating that "nothing would do more to improve the health, lifespan and quality of life for Americans than making GLP inhibitors super low cost to the public." The issue has become politically charged, with Republicans divided over whether to expand access to GLP-1 inhibitors through federal healthcare programs. Robert F. Kennedy Jr., who has been chosen by Donald Trump to lead the Department of Health and Human Services, has expressed caution, suggesting that while the drugs "have a place," lifestyle changes should be prioritized. Dr. Mehmet Oz, Trump’s appointee to oversee Medicare and Medicaid Services, has been a strong advocate for weight-loss medications. Trump himself sparked speculation about using such drugs after losing 9kg during his presidential campaign, though he attributed the weight loss to his busy schedule.

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James Fontanella-Khan and Antoine Gara in New York, and Colby Smith , James Politi and Alex Rogers in Washington Your guide to what the 2024 US election means for Washington and the world The richest man in the world tried to doom Scott Bessent’s bid to become Treasury secretary less than a week ago. Last Saturday, the billionaire entrepreneur and Donald Trump confidant Elon Musk said the Wall Street investor’s appointment as Treasury secretary would amount to “business-as-usual”. After Musk’s tweet on X, Bessent’s odds of getting the job on the prediction exchange Polymarket fell. The following day the president-elect’s transition team opened up the search, homing in on three new candidates, Apollo Global chief Marc Rowan, former Federal Reserve official Kevin Warsh and Tennessee senator Bill Hagerty. Rowan, who was in Hong Kong, cut his Asian trip short so he could be interviewed by Trump. He spoke at a conference on Tuesday alongside the chief executives of Goldman Sachs and Morgan Stanley, then boarded a private jet for an 18-hour flight so he could be at Trump’s estate at Mar-a-Lago on Wednesday afternoon. Some content could not load. Check your internet connection or browser settings. Hagerty, meanwhile, had travelled with Trump and Musk to the latest SpaceX launch in Texas, stoking speculation that he was emerging as the preferred nominee. This, just as Warsh, a rising star in Republican economic policymaking circles, was starting to emerge as Wall Street’s favoured pick. But those three new candidacies were sideshows in the battle to win the top cabinet role running the world’s largest economy. By Friday, Trump had gone full circle, returning to Bessent, the South Carolinian hedge fund manager, as his choice. Trump’s pick seemed to signal that he, not Musk or anyone else seeking influence over him, would make the big calls. “Scott is widely respected as one of the world’s foremost international investors and geopolitical and economic strategists” and was “widely respected” the president-elect said. “He will help me usher in a new golden age for the United States”. The infighting between the candidates for the Treasury job was extraordinarily bitter over just a few short days, making Bessent’s comeback all the more dramatic. At one point, his critics began circulating via chat groups documents — seen by the Financial Times — purporting to show the poor performance of his Key Square Group hedge fund. Others questioned Bessent’s close ties to George Soros, the liberal hedge fund veteran for whom he worked and later sought funding from to seed Key Square. Some, including Musk, threw their weight behind Howard Lutnick, a fellow Wall Street investor who co-led Trump’s transition team and had put his name forward for the Treasury role. The Bessent camp retaliated by sharing a new set of documents — seen by the FT — asserting that Key Square had stellar returns, especially during the pandemic, an indication that the hedge fund manager had the skills to weather tough economic conditions. As the rhetoric sharpened, some Republican donors and people involved in the selection process privately complained about Lutnick’s behaviour, arguing he was too brash and outspoken for a position that requires discipline in managing the markets. One person close to Trump went so far as to accuse Lutnick of “abusing his position to put his candidacy ahead of everybody else”. That Trump was being so careful about his Treasury choice suggested a level of uncertainty that he had not shown in his other choices, which came in rapid succession after he won the election on November 5. Trump knew that he could not afford a mis-step. He had to find a person wedded to the populist economic policies he championed on the campaign trail, including sweeping tariffs. But he also needed someone he could trust to protect the metric he cared about most: the US stock market. As he weighed the decision, Trump also withheld any nominations for other important economic posts, including director of the National Economic Council, chair of the White House Council of Economic Advisers, commerce secretary and US trade representative. But by Tuesday one piece of the puzzle had been solved. Lutnick would be commerce secretary, which has sweeping responsibilities, including over export controls. Trump said that Lutnick would also have oversight of USTR, the agency that runs US trade policy that normally has its own role in the cabinet. Sensing an opening, finance billionaires in Trump’s orbit lobbied for Rowan, with some texting their support of him directly to the president. Financial figures in Trump’s inner circle made pitches, too, as did a Trump family member. People close to Rowan told the FT he was interested in taking the role and many executives inside Apollo began to believe he could leave the firm he had built into a $700bn-in-assets colossus. The billionaire investor’s meeting with Trump went well on Wednesday, but Rowan also made it clear that while he was honoured to serve the incoming president, he would not be a yes man, said a person with knowledge of the matter. That independence probably hurt his candidacy, said a person close to him. By Thursday it became clear that it would be a race between Warsh and Bessent. A free-trader with traditional views about the need for a strong US dollar and an independent Fed, Warsh was seen as a potential counterweight to some of Trump’s more radical plans for the economy. He had also made it clear that his priority was to become Fed chair once Jay Powell stepped down in May 2026. Recommended Lutnick’s camp was also in favour of Warsh, according to people briefed about the matter. One option floated was for Warsh to stay in the role until the Fed chair opened up, they added. But that plan appeared too convoluted, opening the way for Bessent to boomerang back into the pole position. His bid was boosted by the support of powerful people in Maga circles, especially Steve Bannon, Trump’s former political strategist, and Lindsey Graham, the Republican senator from South Carolina, cementing his stature as a consensus candidate. Accolades rolled in, including from Larry Kudlow, Trump’s former National Economic Council director, who told the FT that Bessent was “absolutely first rate” and an “excellent choice”. But others lamented the decision. An influential investor said that Rowan would have been a better choice. “Marc manages nearly a trillion dollars, he’s the smartest guy on Wall Street and populists fear smart people,” said the investor. “Bessent is likely to follow Trump’s lead.” Still, as Trump hoped, there was a sense of relief among many Wall Street investors, some of whom took to Musk’s social media site X to show their support. “Scott will be instrumental in unleashing the animal spirits of Trump’s economic plan while also being vigilant against the enemies of our great country,” investor Kyle Bass wrote.NYC teacher 'Arthur Dent' sexually abused student in ‘escape room’ and home ‘bat cave’

Chess Champion Quits Tournament Over Outfit DisputePermian Basin Royalty Trust ( NYSE:PBT – Get Free Report ) announced a monthly dividend on Friday, December 20th, NASDAQ Dividends reports. Stockholders of record on Tuesday, December 31st will be given a dividend of 0.0219 per share by the oil and gas producer on Wednesday, January 15th. This represents a $0.26 annualized dividend and a dividend yield of 2.51%. The ex-dividend date of this dividend is Tuesday, December 31st. This is a positive change from Permian Basin Royalty Trust’s previous monthly dividend of $0.02. Permian Basin Royalty Trust has raised its dividend by an average of 36.7% annually over the last three years. Permian Basin Royalty Trust Stock Down 0.8 % PBT stock opened at $10.49 on Friday. The company’s fifty day simple moving average is $12.09 and its 200 day simple moving average is $11.60. Permian Basin Royalty Trust has a 12-month low of $10.14 and a 12-month high of $15.79. The firm has a market cap of $488.94 million, a price-to-earnings ratio of 13.45 and a beta of 0.66. Analyst Upgrades and Downgrades Read Our Latest Analysis on PBT Permian Basin Royalty Trust Company Profile ( Get Free Report ) Permian Basin Royalty Trust, an express trust, holds royalty interests in various oil and gas properties in the United States. The company holds a 75% net overriding royalty interest in the Waddell Ranch properties, including Dune, Sand Hills (Judkins), Sand Hills (McKnight), Sand Hills (Tubb), University-Waddell (Devonian) and Waddell fields in Crane County, Texas. Featured Articles Receive News & Ratings for Permian Basin Royalty Trust Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Permian Basin Royalty Trust and related companies with MarketBeat.com's FREE daily email newsletter .

TORONTO (AP) — Prime Minister Justin Trudeau told that Americans would also suffer if the president-elect follows through on a , a Canadian minister who attended their recent dinner said Monday. Trump if they don’t stop what he called the flow of drugs and migrants across their borders with the United States. He said on social media last week that he would impose a 25% tax on as one of his first executive orders. Canadian Public Safety Minister Dominic LeBlanc, whose responsibilities include border security, attended a dinner with Trump and Trudeau at Trump’s Mar-a-Lago club on Friday. Trudeau requested the meeting in that the northern border is . “The prime minister of course spoke about the importance of protecting the Canadian economy and Canadian workers from tariffs, but we also discussed with our American friends the negative impact that those tariffs could have on their economy, on affordability in the United States as well,” LeBlanc said in Parliament. If Trump on everything imported from Mexico and Canada, with his campaign promise to give American families a break from inflation. Economists say companies would have little choice but to pass along the added costs, for food, clothing, automobiles, alcohol and other goods. The Produce Distributors Association, a Washington trade group, said last week that tariffs will raise prices for fresh fruit and vegetables and hurt U.S. farmers when the countries retaliate. Canada is already tariffs on certain items from the U.S. should Trump follow through on the threat. After his dinner with Trump, returned home without assurances the president-elect will back away from threatened tariffs on all products from the major American trading partner. Trump called the talks “productive” but signaled no retreat from a pledge that Canada says unfairly lumps it in with Mexico over the flow of drugs and migrants into the United States. “The idea that we came back empty handed is completely false,” LeBlanc said. “We had a very productive discussion with Mr. Trump and his future Cabinet secretaries. ... The commitment from Mr. Trump to continue to work with us was far from empty handed.” Joining Trump and Trudeau at dinner were Howard Lutnick, Trump’s nominee for commerce secretary, North Dakota Gov. Doug Burgum, Trump’s pick to lead the Interior Department, and Mike Waltz, Trump’s choice to be his national security adviser. Canada’s ambassador to the U.S., Kirsten Hillman, told The Associated Press on Sunday that “the message that our border is so vastly different than the Mexican border was really understood.” Hillman, who sat at an adjacent table to Trudeau and Trump, said Canada is not the problem when it comes to drugs and migrants. On Monday, Mexico’s president rejected those comments. “Mexico must be respected, especially by its trading partners,” President Claudia Sheinbaum said. She said Canada had its own problems with fentanyl consumption and “could only wish they had the cultural riches Mexico has.” Related Articles Flows of migrants and seizures of drugs at the two countries’ border are vastly different. U.S. customs agents seized 43 pounds of fentanyl at the Canadian border during the last fiscal year, compared with 21,100 pounds at the Mexican border. Most of the fentanyl reaching the U.S. — where it causes about 70,000 overdose deaths annually — is using precursor chemicals smuggled from Asia. On immigration, the U.S. Border Patrol reported 1.53 million encounters with migrants at the southwest border with Mexico between October 2023 and September 2024. That compares to 23,721 encounters at the Canadian border during that time. Canada is the top export destination for 36 U.S. states. Nearly $3.6 billion Canadian (US$2.7 billion) worth of goods and services cross the border each day. About 60% of U.S. crude oil imports are from Canada, and 85% of U.S. electricity imports as well. Canada is also the largest foreign supplier of steel, aluminum and uranium to the U.S. and has 34 critical minerals and metals that the Pentagon is eager for and investing for national security.BCOV Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Brightcove Inc. Is Fair to ShareholdersNone

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

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Shares of Microsoft Co. ( NASDAQ:MSFT – Get Free Report ) were down 1.2% during trading on Thursday . The stock traded as low as $422.02 and last traded at $422.99. Approximately 18,279,258 shares traded hands during mid-day trading, a decline of 11% from the average daily volume of 20,576,088 shares. The stock had previously closed at $427.99. Analysts Set New Price Targets Several research analysts have recently commented on the stock. The Goldman Sachs Group dropped their price target on shares of Microsoft from $515.00 to $500.00 and set a “buy” rating on the stock in a research note on Thursday, October 10th. TD Cowen cut their target price on Microsoft from $495.00 to $475.00 and set a “buy” rating on the stock in a report on Thursday, October 31st. DA Davidson cut Microsoft from a “buy” rating to a “neutral” rating and set a $475.00 price target for the company. in a research report on Monday, September 23rd. BMO Capital Markets lowered their price objective on Microsoft from $500.00 to $495.00 and set an “outperform” rating on the stock in a report on Thursday, October 31st. Finally, Royal Bank of Canada reissued an “outperform” rating and issued a $500.00 price objective on shares of Microsoft in a research note on Tuesday, November 5th. Three investment analysts have rated the stock with a hold rating and twenty-seven have given a buy rating to the company. Based on data from MarketBeat, the company currently has an average rating of “Moderate Buy” and an average target price of $503.03. Check Out Our Latest Research Report on MSFT Microsoft Stock Up 0.1 % Microsoft ( NASDAQ:MSFT – Get Free Report ) last announced its quarterly earnings results on Wednesday, October 30th. The software giant reported $3.30 EPS for the quarter, topping analysts’ consensus estimates of $3.10 by $0.20. Microsoft had a net margin of 35.61% and a return on equity of 34.56%. The firm had revenue of $65.59 billion during the quarter, compared to analysts’ expectations of $64.57 billion. During the same quarter last year, the company earned $2.99 earnings per share. The company’s revenue for the quarter was up 16.0% compared to the same quarter last year. As a group, equities research analysts predict that Microsoft Co. will post 12.93 earnings per share for the current fiscal year. Microsoft Increases Dividend The business also recently declared a quarterly dividend, which will be paid on Thursday, December 12th. Shareholders of record on Thursday, November 21st will be given a $0.83 dividend. This represents a $3.32 dividend on an annualized basis and a yield of 0.78%. This is a boost from Microsoft’s previous quarterly dividend of $0.75. The ex-dividend date is Thursday, November 21st. Microsoft’s dividend payout ratio is 27.39%. Microsoft announced that its Board of Directors has approved a stock buyback plan on Monday, September 16th that permits the company to repurchase $60.00 billion in outstanding shares. This repurchase authorization permits the software giant to buy up to 1.9% of its stock through open market purchases. Stock repurchase plans are generally a sign that the company’s board believes its shares are undervalued. Insider Transactions at Microsoft In other Microsoft news, EVP Judson Althoff sold 25,000 shares of the company’s stock in a transaction dated Friday, November 22nd. The shares were sold at an average price of $417.00, for a total transaction of $10,425,000.00. Following the sale, the executive vice president now directly owns 117,294 shares of the company’s stock, valued at approximately $48,911,598. This represents a 17.57 % decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link . Also, CMO Takeshi Numoto sold 1,000 shares of the stock in a transaction that occurred on Friday, November 22nd. The stock was sold at an average price of $414.72, for a total value of $414,720.00. Following the sale, the chief marketing officer now owns 57,511 shares in the company, valued at approximately $23,850,961.92. This trade represents a 1.71 % decrease in their ownership of the stock. The disclosure for this sale can be found here . In the last quarter, insiders have sold 209,431 shares of company stock valued at $85,796,688. 0.03% of the stock is owned by insiders. Institutional Inflows and Outflows Several large investors have recently bought and sold shares of the company. American Trust lifted its holdings in Microsoft by 12.5% during the 3rd quarter. American Trust now owns 41,620 shares of the software giant’s stock worth $17,909,000 after buying an additional 4,630 shares in the last quarter. Old North State Trust LLC lifted its holdings in Microsoft by 15.4% during the 3rd quarter. Old North State Trust LLC now owns 14,282 shares of the software giant’s stock worth $6,146,000 after buying an additional 1,901 shares in the last quarter. Franklin Resources Inc. lifted its stake in shares of Microsoft by 1.1% in the 3rd quarter. Franklin Resources Inc. now owns 38,420,657 shares of the software giant’s stock valued at $16,104,959,000 after purchasing an additional 406,940 shares during the period. Decatur Capital Management Inc. lifted its stake in shares of Microsoft by 15.7% in the 3rd quarter. Decatur Capital Management Inc. now owns 53,007 shares of the software giant’s stock valued at $22,809,000 after purchasing an additional 7,208 shares during the period. Finally, Synovus Financial Corp lifted its stake in shares of Microsoft by 8.3% in the 3rd quarter. Synovus Financial Corp now owns 445,759 shares of the software giant’s stock valued at $191,812,000 after purchasing an additional 34,261 shares during the period. Institutional investors and hedge funds own 71.13% of the company’s stock. About Microsoft ( Get Free Report ) Microsoft Corporation develops and supports software, services, devices and solutions worldwide. The Productivity and Business Processes segment offers office, exchange, SharePoint, Microsoft Teams, office 365 Security and Compliance, Microsoft viva, and Microsoft 365 copilot; and office consumer services, such as Microsoft 365 consumer subscriptions, Office licensed on-premises, and other office services. 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