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WASHINGTON (AP) — Marcus Dockery scored 27 points as Howard beat UNC Wilmington 88-83 on Saturday. Dockery added seven assists for the Bison (5-6). Blake Harper scored 18 points while shooting 5 for 11 (3 for 4 from 3-point range) and 5 of 8 from the free-throw line and added seven rebounds. Joshua Strong had 18 points and shot 4 of 7 from the field, including 4 for 6 from 3-point range, and went 6 for 6 from the line. The Seahawks (7-3) were led by Khamari McGriff, who recorded 34 points. Sean Moore added 13 points for UNC Wilmington. Harlan Obioha had 12 points. Howard used a 12-2 second-half run to erase a four-point deficit and take the lead at 82-76 with 2:14 remaining in the half before finishing off the victory. Harper scored 12 second-half points. Howard takes on Drexel at home on Tuesday, and UNC Wilmington hosts FGCU on Wednesday. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

‘Unprecedented’: Shadow treasurer Angus Taylor slams Labor’s economic situationFor the second time in as many years, the Board of Regents has approved a request to plan to shuffle around the University of Montana’s schools into new colleges. The plan approved last year, spearheaded by former provost Pardis Mahdavi, focused on interdisciplinarity, such as adding a new School of Emerging and Applied Technology. The most recent plan is the opposite, and sorts similar disciplines together. The College of Humanities and Sciences will be split between the W.A. Franke College for conservation and forestry programs, a new Science College for mathematical, physical and biological sciences, and the Phyllis J. Washington College for humanities and education. For the second time in as many years, the Board of Regents has approved a request to plan to shuffle around the University of Montana’s schools into new colleges. UM Provost Adrea Lawrence told the Board at their Nov. 21 meeting that this new structure will improve the visibility of UM’s science programs, letting it stand out as a STEM college. She said the new structure will also make collaboration easier. Each proposed new college has a task force set up to help shape its implementation, Lawrence said, and her office has consulted with faculty, staff and students. Lawrence said that curricular changes will take place over the next three to five years in accordance with a portfolio review done last year. The Board unanimously approved the request along with all its other action items on Nov. 22. Andy Tallman is the education reporter for the Missoulian. Want to see more like this? Get our local education coverage delivered directly to your inbox. Education Reporter {{description}} Email notifications are only sent once a day, and only if there are new matching items.BrightSpire Capital (NYSE:BRSP) versus CTO Realty Growth (NYSE:CTO) Critical ReviewIt’s been a stellar 2024 for Nvidia, the giant in graphics processing units (GPUs) crucial for artificial intelligence (AI). Despite a phenomenal growth of over 850% since early 2023, and an impressive 182% gain this year, Nvidia’s stock price has recently encountered turbulence. Concerns about AI adoption, potential competition, and high valuations have brought caution among some investors who wonder if Nvidia’s peak has passed. However, the future still holds immense promise for the tech titan, with several developments poised to rekindle investor enthusiasm as 2025 approaches. Nvidia’s Game-Changing Events January will witness Nvidia CEO Jensen Huang delivering the keynote at the Consumer Electronics Show (CES). His speeches often create waves in the tech arena, and his insights on AI adoption and the state of technology are highly anticipated. Additionally, updates on Nvidia’s cutting-edge Blackwell platform are expected. The new processor, tailored for AI applications, is already generating significant market buzz. Financial experts are optimistic. Citi analyst Atif Malik envisions Nvidia’s stock rising by 25% due to potential positive developments in Nvidia’s technology and sales. This optimism is backed by expectations that Nvidia will exceed Wall Street predictions in the upcoming financial quarter ending February 2025. Moreover, estimations by PwC suggest AI could contribute up to $15.7 trillion to the global economy by 2030, reinforcing AI’s potential impact. Why Now Might Be the Time to Invest Despite past high valuations, Nvidia’s price-to-earnings ratio has become more attractive, making now a potentially strategic time to invest before 2025. As the company’s growth narrative strengthens, investors weigh the enticing possibility of Nvidia capitalizing further from the AI wave. Yet, potential investors should tread with caution, aware of the unpredictable nature of the stock market. For those confident in Nvidia’s role in the AI evolution, holding onto or purchasing the stock could lead to rewarding outcomes in the years to come. The Surprising Future of Nvidia: What You Need to Know Now The Rise of Nvidia: Insights, Innovations, and Prospects Amidst the turbulence in Nvidia’s stock price, experts still envision a vibrant future for the tech giant as revolutionary innovations loom on the horizon. With the approach of 2025, Nvidia is not just holding steady; it’s poised for advances that could redefine its role in the technology sphere, particularly in artificial intelligence (AI). Keynote Highlights and Innovations In January, a pivotal moment arises as Nvidia’s CEO, Jensen Huang, gears up to deliver the keynote at the Consumer Electronics Show (CES). These keynotes are renowned for their groundbreaking announcements and forward-thinking insights into AI adoption and technological state-of-the-art. A highlight of the event will be updates on Nvidia’s next-generation Blackwell platform, which is specially designed to enhance AI applications. The market anticipation surrounding this new processor underscores its potential transformative impact. Market Analysis and Financial Predictions Market analysts like Citi’s Atif Malik project a notable 25% rise in Nvidia’s stock, driven by innovation and robust sales figures expected in 2025. This optimism aligns with predictions that Nvidia will outperform Wall Street forecasts for the financial quarter ending in February next year. The broader perspective from PwC further envisions AI adding a staggering $15.7 trillion to the global economy by 2030, asserting the significant economic implications of AI advancements. The Pros and Cons for Potential Investors Market dynamics have shifted Nvidia’s price-to-earnings ratio to a more appealing alignment, presenting a strategic investment opportunity. The potent combination of technological innovation and market readiness means that the upcoming year could be pivotal for Nvidia’s growth narrative. However, astute investors should remain cautious, attentive to the volatile nature of stock markets while evaluating Nvidia’s potential amid the AI evolution. Holding or acquiring Nvidia stock could prove advantageous as the AI wave accelerates, yet investors must approach with an informed strategy, understanding both risks and rewards. Sustainability and Trends in 2025 Looking towards 2025, sustainability emerges as a key consideration in Nvidia’s strategic planning, particularly as the tech industry faces increasing pressure to address environmental concerns. As AI’s influence grows, Nvidia’s commitment to sustainable innovation might play a critical role in securing a competitive edge in the market. As you explore Nvidia’s unfolding journey, the company’s resilience and pioneering efforts are central themes. The tech giant’s role in the AI domain is set to grow even more significant, with each technological breakthrough further expanding its influence and reach. For more on Nvidia’s next moves and insights, visit the official Nvidia website .

The average rate on a 30-year mortgage in the U.S. eased this week, though it remains near 7% after mostly rising in recent weeks. The rate slipped to 6.81% from 6.84% last week, mortgage buyer Freddie Mac said Wednesday. That’s still down from a year ago, when the rate averaged 7.22%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners seeking to refinance their home loan to a lower rate, rose this week. The average rate climbed to 6.1% from 6.02% last week. A year ago, it averaged 6.56%, Freddie Mac said. Mortgage rates are influenced by several factors, including the yield on U.S. 10-year Treasury bonds, which lenders use as a guide to price home loans. The yield, which mostly hovered around 4.4% last week and was below 3.70% in September, has eased this week. It was at 4.23% at midday Wednesday. Elevated mortgage rates and rising home prices have kept homeownership out of reach of many would-be homebuyers. U.S. home sales are on track for their worst year since 1995. “The 30-year fixed-rate mortgage moved down this week, but not by much,” said Sam Khater, Freddie Mac’s chief economist. “Potential homebuyers are also waiting on the sidelines, causing demand to be lackluster. Despite the low sales activity, inventory has only modestly improved and remains dramatically undersupplied.” Mortgage rates slid to just above 6% in September following the Federal Reserve’s decision to cut its main interest rate for the first time in more than four years. While the central bank doesn’t set mortgage rates, its actions and the trajectory of inflation influence the moves in the 10-year Treasury yield. The central bank’s policy pivot is expected to eventually clear a path for mortgage rates to generally go lower. But that could change if the next administration’s policies send inflation into overdrive again. September’s pullback in mortgage rates helped drive a pickup in sales of previously occupied U.S. homes last month, and likely helped give a boost to demand early last month. The National Association of Realtor’s pending home sales index rose 2% in October from the previous month, its third straight monthly increase, the trade group said Wednesday. Pending transactions were up 5.4% compared to October last year. A lag of a month or two usually exists between when a contract is signed and when the home sale is finalized, which makes pending home sales a bellwether for future completed home sales. Still, because mortgage rates have mostly kept rising in recent weeks, that could dampen sales this month and next in what's already typically a slow season for the housing market. “Though mortgage rates are likely to decline in the coming weeks, the dip will be too little and too late to boost home sales in December,” said Ralph McLaughlin, senior economist at Realtor.com . Forecasting the trajectory of mortgage rates is difficult, given that rates are influenced by many factors, from government spending and the economy, to geopolitical tensions and stock and bond market gyrations. Economists predict that mortgage rates will remain volatile this year, but generally forecast them to hover around 6% in 2025.London: The UK will end a tax exemption for private schools on Wednesday, the centre-left Labour government has announced, in a move set to raise over £1.5 billion ($1.9 billion) for public education . ET Year-end Special Reads What kept India's stock market investors on toes in 2024? India's car race: How far EVs went in 2024 Investing in 2025: Six wealth management trends to watch out for After years of worsening educational inequalities, from January 1, private schools will have to pay 20 percent value added tax on tuition fees, which will be used to fund thousands of new teachers and improve standards in state schools. "It's time things are done differently", finance minister Rachel Reeves said in a statement on Sunday. The funding will "go towards our state schools where 94 percent of this country's children are educated", she said. The policy was promised by Labour in its election campaign and officially laid out in its inaugural budget in October. 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Tuition fees in private schools already average £18,000 a year, according to the Independent Schools Council, which represents private schools. That figure is set to rise, with the government estimating that tuition fees will increase by around 10 percent, with schools taking on part of the additional cost. "High and rising standards cannot just be for families who can afford them," said education secretary Bridget Phillipson. Opponents of the reform say state school enrolment will explode if the private sector is lost, increasing the cost to the government. But studies contradict this. The Institute for Fiscal Studies calculated that the number of children in state schools will actually fall by 2030 due to a projected population decline. Several research centres also point out that the disparity between private and state schools widened sharply under the 14-year Conservative rule. The Labour government won a landslide election in July promising to boost economic growth and improve public services. (You can now subscribe to our Economic Times WhatsApp channel )

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