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US lawmakers concluded a two-year investigation Monday into the Covid-19 outbreak that killed 1.1 million Americans -- backing the theory that the virus likely leaked from a Chinese laboratory. A 520-page report from the Republican-controlled House Select Subcommittee on the Coronavirus Pandemic looked at the federal and state-level response, as well as the pandemic's origins and vaccination efforts. "This work will help the United States, and the world, predict the next pandemic, prepare for the next pandemic, protect ourselves from the next pandemic, and hopefully prevent the next pandemic," panel chairman Brad Wenstrup said in a letter to Congress. US federal agencies, the World Health Organization and scientists across the planet have arrived at different conclusions about the most likely origin of Covid-19, and no consensus has emerged. Most believe it to have spread from animals in China, but a US intelligence analysis said last year that the virus may have been genetically engineered and escaped from a virology lab in the Chinese city of Wuhan, where human cases first emerged. The congressional panel was persuaded by the lab leak theory after meeting 25 times, conducting more than 30 transcribed interviews and reviewing more than one million pages of documents. The investigation included two days of interviews behind closed doors with Anthony Fauci, the government scientist who became the nation's most trusted expert in the chaotic early days of the 2020 outbreak. Fauci's clashes with former and incoming president Donald Trump over the response sparked fury on the right, and he now lives with security protection following death threats against his family. More from this section Republicans accuse the 83-year-old immunologist of helping to set off the worst pandemic in a century by approving funding passed on to Chinese scientists they accuse of manufacturing the SARS-CoV-2 coronavirus that causes Covid-19. Among its headline conclusions, the report said the National Institutes of Health had indeed funded contentious "gain-of-function" research -- which seeks to enhance viruses as a way of finding ways to combat them -- at the Wuhan Institute of Virology. Fauci angrily denied covering up the origins of Covid-19 before the panel in June, arguing that it would be "molecularly impossible" for the bat viruses studied at the lab to be turned into the virus that caused the pandemic. But the panel's report said SARS-CoV-2 "likely emerged because of a laboratory or research related accident." The probe found that lockdowns "did more harm than good" and that mask mandates were "ineffective at controlling the spread of Covid-19," contradicting other research showing that masking in public does reduce transmission rates. Social distancing guidelines also came under criticism, although travel restrictions were deemed to have saved lives. Investigators found that Trump's Operation Warp Speed -- the publicly-funded project to develop Covid vaccines -- was a "tremendous success" but that school closures would have an "enduring impact" on US children. ft/jgcCan AI chatbots really make your Christmas shopping easier?
North Dakota State erases 14-point deficit, beats Abilene Christian 51-31 in FCS second round
By Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. The economy steadily grew Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Savings accounts offered high rates and returns Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Credit card debt hit a high Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Small business boomed Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Home buying remained challenging Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. The markets were a boon for investors Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Premiums went up for home and auto insurance Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Lawsuits and uncertainty over student loan relief continued Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Traveling in style was all the rage Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Dynamic pricing expanded its reach Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. The car market came back for buyers Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Buy now, pay later grew in popularity Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Inflation eased, finally Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Rents were still high, but price growth slowed Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Trump won the election, promised tariffs and deportations Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Congress squabbled while consumer-first, antitrust efforts won Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .Elon Musk has made the concept of slashing waste popular, and he has “ink by the barrel,” Rep. Josh Brecheen (R-OK) said during an appearance on Breitbart News Daily . Speaking about the Department of Government Efficiency (DOGE), host Mike Slater expressed concern that some members of Congress will not have the courage to do what is right and cut spending. “My comment to Vivek and Elon — one of the last speakers on stage was speaking to Elon, when I said this: ‘You’ve made it popular. You’ve made the concept of cutting right now popular, and you have ink by the barrel,'” Brecheen responded. “So my enthusiasm is the power of the thousands and thousands, hundreds of thousands, millions of X followers — that he could put one post out that people pay attention to,” Brecheen said. “And I said, ‘You know, you’ve got the ability to lift the roof off this building,'” he said. He said some of his colleagues beholden to their donors will, in fact, play the game and resist spending cuts, but he said Musk has the ability to “lift the roof off this building and bring transparency and create that naughty list of who gets coal in their stockings moving ahead, because they refuse to implement the full agenda of what President Trump talked about.” LISTEN: “It’s not just the excitement of the economy,” he added, noting that they can get the “economy roaring again” if they deal with inflation, which is directly connected to the efforts of DOGE to slash spending. “Inflation is caused by devaluation of the currency because of overspending — the $2 trillion every year we’re overspending. We’ve lost 25 percent of the dollar’s value just since 2020, January 2020,” he added. “We can get it back, and I know you’ll follow through,” Slater told the congressman. Breitbart News Daily airs on SiriusXM Patriot 125 from 6:00 a.m. to 9:00 a.m. Eastern.BETHESDA, Md., Dec. 11, 2024 (GLOBE NEWSWIRE) -- Host Hotels & Resorts, Inc. HST (the "Company"), the nation's largest lodging real estate investment trust, today announced that its board of directors authorized a regular quarterly cash dividend of $0.20 per share. In addition, the Company announced a special dividend of $0.10 per share, bringing the total dividends declared for the year to $0.90 per share. The dividend is payable on January 15, 2025, to stockholders of record as of December 31, 2024. ABOUT HOST HOTELS & RESORTS Host Hotels & Resorts, Inc. is an S&P 500 company and is the largest lodging real estate investment trust and one of the largest owners of luxury and upper-upscale hotels. The Company currently owns 76 properties in the United States and five properties internationally totaling approximately 43,400 rooms. The Company also holds non-controlling interests in seven domestic and one international joint ventures. SOURAV GHOSH Chief Financial Officer (240) 744-5267 JAIME MARCUS Investor Relations (240) 744-5117 ir@hosthotels.com © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
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Cenovus Energy Inc. stock rises Wednesday, outperforms marketAustralia’s women will bat first as they have the chance to wrap up the three-match ODI series against India at Allan Border Field in Brisbane on Sunday after a convincing win in the opening game. Watch every ball of Australia v India LIVE & ad-break free during play in 4K on Kayo | New to Kayo? Get your first month for just $1. Limited time offer. With captain Alyssa Healy sidelined by injury, Tahlia McGrath has taken the reins and she won the toss and elected to give her batters first opportunity in the 35 degree heat after they chased successfully with a five-wicket victory in game one. Australia have made one change to their line-up with left-arm spinner and lower order batter Sophie Molineux coming in for Melbourne Renegades teammate Georgia Wareham, while India also made one change with off spinner Minnu Mani will make her debut in place of pace bowler Titas Sadhu. India were bowled out for 100 in 34.2 overs on Thursday with experienced swing bowler Megan Schutt capturing her maiden five-wicket haul in an ODI with figures of 5/19. With the bat, debutant Georgia Voll steered the chase with an unbeaten 46 from 42 balls. Voll was selected off the back of a stellar Women’s Big Bash League with the Sydney Thunder where she smashed 330 runs at an average of 30 with a strike rate of 144.73, and has formed a new-look, aggressive opening partnership with Phoebe Litchfield, who made 35 off 29 balls in the first ODI. More of the same is expected from the pair of 21-year-olds on Sunday as they attack the powerplay before the experienced heads of Ellyse Perry and Beth Mooney walk to the crease. Australia’s XI: Phoebe Litchfield, Georgia Voll, Ellyse Perry, Beth Mooney (wk), Annabel Sutherland, Ashleigh Gardner, Tahlia McGrath (c), Sophie Molineux, Alana King, Kim Garth, Megan Schutt India’s XI: Smriti Mandhana, Priya Punia, Harleen Deol, Harmanpreet Kaur (c), Jemimah Rodrigues, Richa Ghosh (wk), Deepti Sharma, Minnu Mani, Priya Mishra, Saima Thakor, Renuka Singh Thakur LIVE BLOG Follow along for all the latest updates from Australia vs India below! Can’t see it? Click here!