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Kevin Love (personal) out Saturday – FantasyPros

by Vince DiSilvio | Heat Correspondent | Sat, Dec 21st 1:25pm EST
Kevin Love has been ruled out for Saturday’s game vs the Magic due to personal reasons. (Ira Winderman on X)

Jimmy Butler is listed as doubtful for Miami tonight in Orlando because of the illness that took him out of Friday night‘s loss to Oklahoma City. Kevin Love is out due to personal reasons. Josh Christopher will be joining the team for tonight.
Fantasy Impact:
It’s unclear if Love will be forced to miss any additional time. His next chance to play will come on Monday.
Category: Injury Updates | More Kevin Love: News, Rankings, Stats
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Revolut Joins Forces with Binance, Lists BNB for 40M Global Users – Crypto News Flash

Revolut, une entreprise mondiale de technologie financière, s’est récemment alliée à Binance, la principale plateforme d’échange de cryptomonnaies au monde, pour la cotation de la BNB. Grâce à ce partenariat, Revolut a inscrit la pièce de monnaie de Binance, BNB, sur sa plateforme, la rendant ainsi accessible à 40 millions d’utilisateurs dans le monde.
Changpeng Zhao, fondateur et ancien PDG de Binance, a attiré l’attention du marché sur la cotation en BNB de Revolut dans un billet X.
« Encore une fois, je n’étais pas au courant jusqu’à il y a quelques minutes. La communauté se développe », a écritM. Zhao .
De nombreux membres de la communauté ont accueilli l’annonce avec enthousiasme et ont reconnu que la cotation de Revolut en BNB par Binance était une grande réussite. Ils pensent que Binance peut s’appuyer sur les 40 millions d’utilisateurs mondiaux de Revolut pour présenter sa plateforme en pleine expansion.
Notamment, les utilisateurs particuliers peuvent désormais commencer à vendre et à acheter des BNB sur l’application Revolut en utilisant des devises fiduciaires ou des crypto-monnaies sur leurs comptes. Avec 40 millions d’utilisateurs dans le monde, dont un tiers au Royaume-Uni, Revolut continue d’étendre ses services numériques en ajoutant la BNB à ses offres.
Revolut est avant tout une société de services bancaires et de cartes en monnaie fiduciaire. Ses activités principales comprennent les services bancaires numériques, les opérations de change, les paiements transfrontaliers, les envois de fonds internationaux et l’échange de cryptomonnaies.
La cotation de la BNB sur Revolut ouvre de nouvelles possibilités d’adoption aux clients de Binance. Pour Revolut, l’intégration pourrait contribuer à augmenter sa base d’utilisateurs, car davantage de passionnés de crypto-monnaies afflueront sur la plateforme pour échanger de la BNB.
La cotation de la BNB n’est que l’une des récentes initiatives de Revolut en matière d’expansion cryptographique. CNF a rapporté en septembre que Revolut a introduit le Toncoin (TON) comme l’un de ses altcoins supportés.
À l’époque, Revolut n’avait ouvert le service qu’aux clients du Royaume-Uni et d’Europe.
Les acteurs du marché s’attendent à ce que l’intégration de Revolut et de Binance suscite un sentiment d’optimisme pour la BNB. Cependant, la BNB se négocie toujours sur une tendance baissière, à l’heure où nous écrivons ces lignes. Au cours des dernières 24 heures, le prix de la BNB a diminué de 9,4 % pour s’échanger à 635 $.
[mcrypto id= »435407″]
Il est important de noter que la baisse des prix de la BNB reflète un sentiment de marché baissier plus large. Au cours des dernières 24 heures, la capitalisation totale du marché des crypto-monnaies a diminué de 11,26% pour atteindre 3,23 trillions de dollars. Le bitcoin (BTC), le principal actif numérique au monde, a chuté à 93 924 $, après avoir atteint son plus haut niveau historique de 108 282 $.
Pendant ce temps, le volume quotidien des transactions de la BNB a augmenté de 7,6 % pour atteindre plus de 3 milliards de dollars, ce qui suggère un intérêt et une activité soutenus de la part des investisseurs. Plus tôt dans le mois, la BNB est montée jusqu’à 727,87 dollars avant de chuter à son prix actuel.
Comme mentionné dans un rapport deCNF , les analystes ont souligné les niveaux de 710 $, 650 $ et 632 $ comme étant des niveaux de soutien potentiels pour BNB.
Cependant, ils prévoient que le prix de la BNB pourrait dépasser le niveau critique de 746 $ si l’activité d’achat reste élevée. Par conséquent, ces analystes ont fixé un objectif de prix à long terme entre 805 et 900 dollars pour la monnaie numérique de la bourse.
Godfrey Benjamin est un journaliste crypto expérimenté dont l’objectif principal est d’éduquer tout le monde sur les perspectives du Web 3.0. Son amour pour les crypto-monnaies s’est éveillé lorsqu’il était banquier et qu’il a reconnu les avantages indéniables de la monnaie décentralisée par rapport aux paiements traditionnels.
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Crypto News Flash es su fuente para las últimas noticias e información del mundo de las monedas criptográficas.


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Student loan repayment plans reopening, Education Department says. What to know – USA TODAY

The U.S. Education Department said Wednesday it will reopen two major student loan repayment programs to new enrollments while President Joe Biden’s signature plan is on hold amid court challenges. 
After months of uncertainty, millions of borrowers will now have “more breathing room,” the administration said in its announcement. The roughly 8 million Americans enrolled in Biden’s halted plan – under which bills have been indefinitely paused – can shift to the older programs now if they want their payments to count toward future debt relief. 
Politically, this week’s announcement is an admission in the waning days of Biden’s presidency that his efforts to build the “most affordable repayment plan ever” haven’t been as successful as he hoped, especially after a bruising Supreme Court defeat.
Here’s what to know about the different programs: 
In the summer of 2023, the Biden administration opened applications for a student loan repayment program called Saving on a Valuable Education, or SAVE. Borrowers became eligible to enroll in SAVE before the pandemic-era pause in payments concluded the following fall. 
Under SAVE, borrowers with loans for undergraduate degrees could’ve seen their monthly bills drop to just 5% of their discretionary income, and many saw their payments go to $0. Millions of people signed up for it.
Read more:Who are the winners and losers in Biden’s SAVE student loan repayment plan based on income?
But the program didn’t last long. State attorneys general in conservative states filed legal challenges against it. This summer, a federal appeals court stopped SAVE completely and raised questions about other government applications that factor in people’s wages.
The Education Department has since placed all SAVE enrollees in interest-free forbearance, which means they don’t have to make payments and their loans won’t collect interest – for now. 
But there’s a catch. While SAVE remains in limbo, borrowers who don’t enroll in another plan in the interim can’t make progress toward full forgiveness. Under most repayment plans tied to wages, people’s loan debt is cleared after 20 to 25 years. 
The federal agency is also particularly worried about borrowers who qualify for a program called Public Service Loan Forgiveness, or PSLF. Public service workers – including health care professionals, emergency responders and some nonprofit employees – typically combine PSLF payments with plans based on their income, keeping their bills low and allowing them to remain eligible for relief after 10 years. 
Luckily, for people with high loan bills and low wages, SAVE isn’t the only way to pay based on income and family size.
The Education Department offers several similar plans. The two now open for new enrollments are the Pay As You Earn Repayment Plan, known as PAYE, and the Income-Contingent Repayment Plan, or ICR.
Under PAYE, which was established in 2012, borrowers don’t have to make any loan payments if they live alone and make less than $22,590 a year or $46,800 for a family of four. If they make more than that, the plan requires them to pay 10% of their monthly income. They’re eligible for full relief after 20 years of payments. 
ICR isn’t as good a deal for most borrowers. It’s an older plan that brings payments to $0 for borrowers who live alone and make $15,060 or less a year, or $31,200 for a family of four. Borrowers who earn more are required to pay 20% of their annual income. They can qualify for total debt cancellation after 25 years. 
Both programs are open this month to new enrollments and will remain so through July 1, 2027, the Education Department said. 
Zachary Schermele is an education reporter for USA TODAY. You can reach him by email at zschermele@usatoday.com. Follow him on X at @ZachSchermele.

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‘You just provide the love’: The zero-cost, high-impact practice of fostering PVHS animals – PembinaValleyOnline.com

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The animals in the care of shelters like the Pembina Valley Humane Society (PVHS) are, of course, fortunate. They benefit from a place to live, food, and volunteers who prioritize their health and well-being. A harsh truth, however, is that it’s no replacement for the comfort of home.  
This holiday season, PVHS is spreading the word about a temporary commitment that helps take animals out of the shelter life to prepare for and enjoy home life — fostering.  
“Obviously throughout the year, we’re always looking for fosters to help us understand our animals better,” says Holly Thorne, public relations chair at PVHS. “A lot of times they come to us as strays, and we don’t really know anything about their background, so whenever we have the ability to put them in a foster home, that’s where animals really show their true personalities.”  
Thorne says that the shelter environment does not provide the same information about the animals’ true nature and personalities. 
“Shelters are very stressful environments. They’re loud . . . [and it’s beneficial] to be able to give them a break from the shelter,” she says, adding that the holidays are an especially nice time of year for a reprieve. “Who doesn’t want to be in a warm, comfortable, cozy home over the holidays with the smells of turkey and Christmas trees and all these things? It’s a nice little gift for the dogs and the cats at the shelter.” 
Thorne says that being away for the holidays provides the animals with a taste of home life. It can also help them find adopters.  
“It gives them a break and again it helps us understand more about what they’re like in a home situation so that potential adopters know a little bit more about them and what they can expect when this animal comes into their home,” she says. 
Taylor Rankin and her husband are one couple that has answered the fostering call. They currently have a small furry charge named Mama Beans (Beans or Beanie to her friends). She’s been in their home for about a month now. 
“We’ve been fostering . . . for almost four years,” she says. “It’s so rewarding, honestly — just having extra little paws [on the floor] in the house. It’s great to have a little companion for our dog as well.”  
Rankin adds that another benefit of fostering animals is freeing up space for new intakes in the shelter. She also confirms what Thorne says about how dogs transform when they are in a home — Mama Beans has changed within the month she has been with the Rankins. 
“Originally, they told me that she was not a fan of cats, [and] we actually have two cats right now,” she says. “Initially, it was a little bit of a learning period, but she’s best friends with both of our cats right now, so that’s kind of something we learned about her.” 
Thorne adds that this is extremely useful knowledge. 
“Being able to have a foster tell us [that] she’s great with cats means that we have this ability to tell potential adopters, ‘Hey, you know what, if you want a dog to snuggle with your cats, this is an option.’ We wouldn’t have known [without foster care].” 
Thorne encourages anyone interested in fostering animals to contact PVHS at 204-822-9413.  
 “You can tell us a little bit about your lifestyle and what your home situation is like,” she says. “We don’t just give you an animal, we help match the animal to your home and your lifestyle.”  
There is also more information on the organization’s fostering page
Fostering an animal from PVHS is a short-term commitment that makes a big difference to both the organization and the animals therein. There is no financial cost. 
“We supply all the food and the treats and all those types of things — you just provide the love,” says Thorne.
And if the foster family should fail to return the animal because it wants to continue to provide that love long-term? No one at the shelter would object.  
“This is a temporary thing over the holidays, but I’m not going to say we don’t love foster fails,” says Thorne. “We absolutely do.”  
See Pembina Valley Humane Society’s website for information about Mama Beans, Baxter, Dior, and the other animals at the shelter awaiting their forever homes.  
With files from Ty Hildebrand 

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Google Offers Changes to Android, Browser Contract to Address Antitrust Ruling – Republic World

Published 14:52 IST, December 21st 2024
Alphabet’s Google has proposed a loosening of its agreements with Apple and others to set Google as the default search engine on new devices, in a bid to address a US ruling that it unlawfully dominates online search.
The proposal is much narrower than the government’s push to make Google sell its Chrome browser, which Google called a drastic attempt to intervene in the search market.
Google urged U.S. District Judge Amit Mehta in Washington to move cautiously in deciding what the company must do to restore competition, after his ruling that the company holds an illegal monopoly in online search and related advertising. Courts have cautioned against imposing antitrust remedies that chill innovation, Google said in court papers.
That is especially true “in an environment where remarkable artificial intelligence innovations are rapidly changing how people interact with many online products and services, including search engines,” Google said.
While Google plans to appeal that ruling at the end of the case, it says the upcoming “remedies” phase should focus on its distribution agreements with browser developers, mobile device manufacturers, and wireless carriers.
The judge found the agreements give Google a “major, largely unseen advantage over its rivals” and result in most devices in the U.S. coming pre-loaded with Google’s search engine.
The agreements are hard to exit, the judge said, especially for Android manufacturers, which must agree to install Google search in order to include Google’s Play Store on their devices.
To fix that, Google could make them non-exclusive and, for Android phone manufacturers, unbundle its Play Store from Chrome and search, the company said in its proposal.
Google would allow browser developers that agree to set its search engine as the default to revisit that decision annually under the proposal.
REVENUE SHARING
Unlike the government’s proposal, Google’s would not end revenue sharing agreements, which pass a portion of ad revenue Google makes from search to the device and software companies that present it as the default search engine.
Independent browser developers including Mozilla, which makes Firefox, have said the funds are crucial to their operations. Apple received an estimated $20 billion from its agreement with Google in 2022 alone.
Kamyl Bazbaz, spokesperson for search engine competitor DuckDuckGo, said the proposal attempts to maintain the status quo.
“Once a court finds a violation of competition laws, the remedy must not only stop the illegal conduct and prevent its recurrence, but restore competition in the affected markets,” he said.
Google’s proposal sets the stage for a trial Mehta will hold in April, where the U.S. Department of Justice and a coalition of states will seek to show the need for wide-ranging remedies, including making Google sell off Chrome and potentially its Android mobile operating system.
The government plans to call witnesses from OpenAI, AI search startup Perplexity, and Microsoft, according to court papers.
Prosecutors also want Google to stop paying to be the default search engine, and cease investments in search rivals and query-based AI products, and license its search results and technology to rivals.
The proposals aim to spur innovation in online search, where Mehta found Google’s overwhelming market share keeps competitors from gathering the search data needed to improve their products, and prevent Google from extending its dominance in search to AI.
Updated 14:52 IST, December 21st 2024
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Google has countered a US call to sell its Chrome browser, suggesting a judge address antitrust concerns by barring the firm from making favorable treatment of its software a condition of licensing – Islander News.com

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Updated: December 21, 2024 @ 12:16 pm
Google has countered a US call to sell its Chrome browser, suggesting a judge address antitrust concerns by barring the firm from making favorable treatment of its software a condition of licensing
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