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Great businesses rarely go on sale. But one fintech stock that I have followed for years just experienced a sudden correction. Give your portfolio an early gift by investing in this quality business before the holidays hit. Nu Holdings is a growth machine backed by Warren Buffett I've been a big fan of Nu Holdings ( NU 0.58% ) since its initial public offering in 2021. And I'm not alone in my fandom. Warren Buffett has picked up more than $1 billion in shares, a stake that he has refused to trim even as the stock price skyrocketed by more than 200% since mid-2022. What do I love most about Nu? It has developed a proven recipe for growth that should be sustained for years, if not decades to come. More than a decade ago, Nu's founders realized that Latin America's banking industry was primed for new competition. At the time, the banking industry was largely consolidated, with minimal innovation despite the advent of new technologies like the internet and smartphones. What the company decided to do was a novel break from tradition, at least for a Latin American financial services business. Instead of opening a bunch of physical branches, Nu went directly to consumers through a smartphone app. While this was fairly common at the time in more developed markets, the strategy was wholly unique in Latin America. By offering its services directly through a smartphone, Nu was able to lower costs for most conventional financial services like debit and credit cards, banking and checking accounts, and basic investment accounts. This reduction in fees, plus ease of access, allowed it to grow quickly. But there was another major advantage to this strategy: Nu could innovate far more nimbly than the competition. At the push of a button, it could activate a new product or service for millions of customers. Clearly these factors were in demand by Latin American residents. The company went from zero customers to 109 million as of the most recent quarter. And with more than 650 million residents across the entirety of Latin America, the company has plenty of room for long-term growth. The discount on this fintech stock may not last long Nu has become a growth machine, and its stock price has risen consistently due to that reality. But even growth superstars like this temporarily go on sale. Over the last few weeks, shares have fallen in value by nearly 25%. What was the cause? In mid-November, the company reported blockbuster earnings. But sales growth was below historical norms, while certain profitability metrics compressed. Then this week, an analyst from Citigroup cut his rating on Nu stock to a sell from neutral with a price target of $11, down from $14.60. While the analyst noted Nu's "impressive capacity" to grow, he thought that the latest run-up was an opportunity to take profits. There's no doubt that shares were expensive in mid-November when they set all-time highs. Nu was trading at more than 10 times sales, and more than 40 times profits. That's a steep price to pay for a bank stock. But this isn't any ordinary bank stock -- this a fintech business, capable of growing rapidly with impressive economies of scale. For example, the company just turned profitable in 2023, and already its shares trade at just 33 times earnings after the correction. On a forward basis, shares trade at less than 28 times expected earnings. NU PS ratio, data by YCharts. PS = price to sales; PE = price to earnings. Did Nu's valuation get a little out of hand last month? Perhaps. But this is a business built for the next century, not just the next few years. Getting a small discount on a fantastic business that can grow for the rest of your life is an opportunity too good to pass up. Analysts are often concerned with short-term price movements. But long-term investors should use these short-term movements to their advantage. Nu' Holdings' recent quarter wasn't up to its usual standard, but everything is still headed in the right direction from a macro perspective. While the latest correction may have been warranted on a short-term basis, don't expect the discount to last through the holidays -- this is too good a bargain to pass up for patient investors.Lindsey Vonn takes another step in comeback at age 40, competes in a pair of downhills( MENAFN - Jordan Times) AMMAN - Minister of government Communications Mohammed Momani on Saturday highlighted the vital role of the national media in strengthening the Jordanian state. Momani, who is also the government spokesperson, stressed media's importance in defending the Kingdom against various challenges, while fulfilling its "crucial duty" of providing accurate information and facts to the public, the Jordan News Agency, Petra, reported. Speaking during a meeting with representatives of public and local radio stations, the minister pledged to provide all possible resources to improve the national media landscape. The meeting falls within the ministry's ongoing series of interactive sessions with various media sectors to engage in a constructive dialogue on the state of the national media and address the challenges it faces. He explained that the next step, following consultations with various media sectors, would be the formation of specialised working groups for each media sector to develop practical recommendations and solutions to improve the working environment, focusing on digital content development and addressing key challenges within each sector. Any improvements in the media industry must be in line with the state's modernisation efforts, which include political, economic and administrative reforms, the minister noted. He acknowledged that the production of traditional media content differs significantly from digital content, noting that the fast-paced technological age demands fast, accurate and efficient methods of information delivery. Momani listened to feedback from attendees who emphasised the need for faster digital content production that differs from traditional formats. They called for boosting the role of media spokespersons in ministries and government institutions to ensure smoother communication and efficient flow of information, especially for live service programmes and morning broadcasts. They also urged coordinated efforts to improve the quality of media output, enhance information dissemination and promote the development of digital media within official media institutions. MENAFN14122024000028011005ID1108993549 Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. 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Wendy H. Wong has won the Balsillie Prize for Public Policy for her book on how mass data collection affects democratic freedom. The Writers' Trust of Canada presented Wong with the $60,000 award for "We, the Data: Human Rights in the Digital Age" at a private dinner in Toronto on Tuesday evening. Wong is a professor of political science at the University of British Columbia's Okanagan campus in Kelowna. Jurors praised her book as an "eye-opening, gripping look at the ways in which humanity is being codified, monitored, and tracked at alarming speed and intensity — in largely unaccountable ways." The Balsillie Prize, administered by the Writers' Trust and sponsored by the Balsillie Family Foundation, goes to a book of non-fiction that advances and influences public policy debates. This year's shortlisted authors, who each receive $5,000, were Gregor Craigie for "Our Crumbling Foundation: How We Solve Canada’s Housing Crisis"; Christopher Pollon for "Pitfall: The Race to Mine the World’s Most Vulnerable Places" and M.G. Vassanji for "Nowhere, Exactly: On Identity and Belonging." "We, the Data" was also a finalist for this year's Lionel Gelber Prize, administered by the Munk School of Global Affairs & Public Policy at the University of Toronto, which goes to the world's best book on international affairs. __ This report by The Canadian Press was first published Nov. 26, 2024.

Insurgents reach gates of Syria’s capital, threatening to upend decades of Assad rule BEIRUT (AP) — A Syrian opposition war monitor and a pro-government media outlet say government forces have withdrawn from much of the central city of Homs. The pro-government Sham FM reported that government forces took positions outside Syria’s third-largest city, without elaborating. Rami Abdurrahman who heads the Britain-based Syrian Observatory for Human Rights, said Syrian troops and members of different security agencies have withdrawn from the city, adding that rebels have entered parts of it. Losing Homs is a potentially crippling blow for Syria’s embattled leader, Bashar Assad. An archbishop's knock formally restores Notre Dame to life as winds howl and heads of state look on PARIS (AP) — France’s iconic Notre Dame Cathedral has formally reopened its doors for the first time since a devastating fire nearly destroyed the 861-year-old landmark in 2019. The five-year restoration is widely seen as a boost for French President Emmanuel Macron, who championed the ambitious timeline, and brings a welcome respite from his domestic political woes. World leaders, dignitaries, and worshippers gathered on Saturday evening for the celebrations under the cathedral's soaring arches. The celebration was attended by 1,500 dignitaries, including President-elect Donald Trump, Britain’s Prince William, and Ukrainian President Volodymyr Zelenskyy. For Catholics, Notre Dame’s rector said the cathedral “carries the enveloping presence of the Virgin Mary, a maternal and embracing presence.′′ Trump is welcomed by Macron to Paris with presidential pomp and joined by Zelenskyy for their talks PARIS (AP) — French President Emmanuel Macron has welcomed Donald Trump to Paris with a full dose of presidential pomp. And they held a hastily arranged meeting with Ukraine’s Volodymyr Zelenskyy on a day that's mixing pageantry with attention to pressing global problems. The president-elect's visit to France is part of a global a celebration of the reopening of Notre Dame Cathedral five years after a devastating fire. Macron and other European leaders are trying to win Trump’s favor and persuade him to maintain support for Ukraine in its defense against Russia’s invasion. Trump isn't back in office but he's already pushing his agenda and negotiating with world leaders NEW YORK (AP) — Donald Trump is making threats, traveling abroad, and negotiating with world leaders. He has more than a month-and-a-half to go before he’s sworn in for a second term. But the president-elect is already moving aggressively to not only fill his Cabinet and outline policy goals, but also to try to achieve his priorities. In recent days, Trump has threatened to impose a 25% tariff on goods from Canada and Mexico, two of the country’s largest trading partners. That led to emergency calls and a visit. And he's warned of “ALL HELL TO PAY” if Hamas doesn't release the hostages still being held captive in Gaza. South Korea's president avoids an impeachment attempt over short-lived martial law SEOUL, South Korea (AP) — South Korea’s embattled President Yoon Suk Yeol has avoided an opposition-led attempt to impeach him over his short-lived imposition of martial law. Most of Yoon's ruling party lawmakers boycotted a parliamentary vote Saturday to deny a two-thirds majority needed to suspend his presidential powers. The scrapping of the motion is expected to intensify protests calling for Yoon’s ouster and deepen political chaos in South Korea. A survey suggests a majority of South Koreans support the president’s impeachment. Yoon’s martial law declaration drew criticism from his own ruling conservative People Power Party. But the party also apparently fears losing the presidency to liberals. Days after gunman killed UnitedHealthcare's CEO, police push to ID him and FBI offers reward NEW YORK (AP) — Nearly four days after the shooting of UnitedHealthcare CEO Brian Thompson, police still do not know the gunman’s name or whereabouts or have a motive for the killing. But they have made some progress in their investigation into Wednesday's killing of the leader of the largest U.S. health insurer, including that the gunman likely left New York City on a bus soon after fleeing the scene. The also found that the gunman left something behind: a backpack that was discovered in Central Park. Police are working with the FBI, which on Friday night announced a $50,000 reward for information leading to an arrest and conviction. UnitedHealthcare CEO's shooting opens a door for many to vent frustrations over insurance The fatal shooting of UnitedHealthcare's CEO has opened the door for many people to vent their frustrations and anger over the insurance industry. The feelings of exasperation, anger, resentment, and helplessness toward insurers aren’t new. But the shooting and the headlines around it have unleashed a new wave of patients sharing such sentiments and personal stories of interactions with insurance companies. Conversations at dinner tables, office water coolers, social gatherings and on social media have pivoted to the topic. Many say they hope the new amplified voices can bring about change for companies often accused of valuing profits over people. 2 Pearl Harbor survivors, ages 104 and 102, return to Hawaii to honor those killed in 1941 attack PEARL HARBOR, Hawaii (AP) — The bombing of Pearl Harbor 83 years ago launched the United States into World War II. Two survivors have returned to the Hawaii military base for a remembrance ceremony on the attack's anniversary. Both are over 100 years old. They joined active-duty troops, veterans and members of the public for an observance hosted by the Navy and the National Park Service. A third survivor was planning to join them but had to cancel due to health issues. The bombing killed more than 2,300 U.S. servicemen. An explosion destroys an apartment block in a Dutch city, killing at least 3 and injuring others THE HAGUE, Netherlands (AP) — An explosion and fire has rocked a neighborhood in the Dutch city of The Hague, killing three people and injuring other people and destroying several apartments. The cause of the disaster is unclear. Emergency authorities said four people were rescued from the rubble and taken to the hospital. The mayor said rescuers were no longer looking for survivors but for eventual bodies, but could not specify how many people might still be unaccounted for. Residents of the northeastern neighborhood of Mariahoeve in The Hague heard a huge bang and screams before dawn. Dutch authorities have deployed a specialized urban search and rescue team to find victims. How 'Mufasa' rose with Aaron Pierre and Blue Ivy's voices along with new Lin-Manuel Miranda music SAN DIEGO (AP) — When Aaron Pierre was cast as Mufasa, the weight of following in the late James Earl Jones’ legendary footsteps was enough to rattle any actor. But instead of letting the pressure roar too loudly, he harnessed his nerves to breathe fresh life into his young lion character. Pierre found parallels between himself and his character while filming his leading role in “Mufasa: The Lion King,” which opens in theaters Dec. 20. He took the reigns as the new voice of Mufasa after Jones played the iconic King Mufasa in both the 1994 and 2019 versions of Disney’s “The Lion King.” The prequel offers a fresh exploration into Mufasa’s origin story.

Groups break down barriers on Colorado’s slopes to diversify winter sports that are “just so hard to get into”Ange Postecoglou has no fit centre-backs at his disposal heading into the game against Wolves Tottenham Hotspur suffered a 1-0 defeat to Nottingham Forest at City Ground on Boxing Day, leaving them 12th in the table. Ange Postecoglou has dealt with a lot of injury problems at White Hart Lane this season. He has been left with a lack of options at the heart of the backline ahead of facing Wolverhampton Wanderers on Sunday as Radu Dragusin suffered an ankle problem in the closing stages of the Nottingham Forest game. Archie Gray has been forced to fill in at centre-back owing to the injury absences of Cristian Romero, Micky van de Ven and Ben Davies. Davies returned to training last week and the Spurs gaffer hoped he would be able to return against Wolves. However, the Welshman has suffered a setback in his recovery from a hamstring injury in training, ruling him out for at least the next two weeks. This has left Ange Postecoglou scratching his head on who he will start alongside Archie Gray in the heart of Tottenham’s defence this weekend. As a result, he could hand a first Premier League start to Alfie Dorrington. A product of Spurs’ famed academy, Dorrington has already made his Premier League debut, coming off the bench in the 5-0 Premier League win against Southampton at St Mary’s Stadium earlier this month. However, Big Ange is seemingly not yet ready to hand the teenager his first Premier League start in Spurs stripes. According to an update from Daily Hotspur via X , Yves Bissouma has been training in central defence. Big Ange doesn’t plan on using Dorrington as things stand. Yves Bissouma was the man who replaced Dragusin in the dying stages of the game at the City Ground on Boxing Day after the Romanian international was forced off. The Tottenham boss admitted in his pre-match presser that he is not sure if the Mali international can play as a centre-back as he’s operated in that position before. Nonetheless, it appears Big Ange has faith in Bissouma to perform as a central defender alongside Gray vs Wolves. It is unsurprising that he is hesitant to throw academy kid Dorrington at the deep end and would prefer to bring him off the bench if required. With Bissouma rumoured to have been training in central defence on Saturday, Dragusin’s unavailability for the clash with Wolves has become apparent. This article first appeared on To The Lane And Back and was syndicated with permission.

Brandi Glanville Explains Why Her Face Is Disfigured12. Clemson Tigers 10-3 (7-1 Atlantic Coast Conference regular season) What's next: First-round at No. 5 seed Texas, Dec. 21 Head coach: Dabo Swinney (17th season, 180-46 overall) About Swinney: The 55-year-old, who is 6-4 in the CFP, took over during the 2008 season and has won two national titles (2016, 2018). He will take the Tigers to the CFP the first time since the 2020 season and the seventh time overall. Resume The Tigers, the only three-loss team in the 12-team field, were in a must-win situation in the ACC championship game, prevailing on a last-second, 56-yard field goal to defeat SMU 34-31. Clemson lost two games to SEC opponents (Georgia and South Carolina) this season. The Tigers' other defeat came at home to Louisville. The matchup with Texas will be Clemson's first true road game against the SEC this season. Postseason history A nine-time winner of the ACC Championship Game, the Tigers notched a double-figure win total for the 13th time in the last 14 seasons. Along with its two national titles, Clemson reached the title game two other times (2019 and 2015). This will be the first Clemson-Texas matchup. The road to Atlanta It will be a tricky road for the Tigers to reach the CFP title game in Atlanta at a venue familiar to Clemson fans. The Tigers will take at least two and maybe three trips outside of their own time zone to qualify for the final. Names to know QB Cade Klubnik Klubnik, a Texas native, has been taking snaps in crucial situations since a limited role as a freshman in 2022, when he rescued the Tigers in an ACC Championship victory vs. North Carolina. Sporting a 19-8 career record as a starter, Klubnik has thrown for 3,303 yards and 33 touchdowns along with five interceptions this season. He tossed four TDs in the ACC title game Dec. 7 against SMU after receiving All-ACC honorable mention following the regular season. "He's battle-tested," Swinney said. "He has got a lot of experience under his belt. He has had some failure, which has made him better." RB Phil Mafah The senior has racked up 1,106 rushing yards with eight touchdowns this season and has 28 career scores. Mafah has averaged fewer than 17 carries per game, so he makes the most of his opportunities, and at 230 pounds he can be a load to bring down. DE T.J. Parker He's been disruptive on a regular basis, racking up 19 tackles for loss (11 sacks) this season. The 265-pound sophomore helped set the tone in the ACC title game when the Tigers feasted on early SMU mistakes. Parker is tied for the Division I lead with six forced fumbles this season. K Nolan Hauser The freshman joined the Tigers this season with great acclaim and produced a career highlight with a 56-yard game-winning field goal -- the longest in ACC title game history -- to beat SMU at the buzzer. --Field Level Media

Ballroom Blitz review: Adam Clayton’s celebration of Irish showbands hints at the burden of being in U2

Electricity is the foundation of modern life; it enables every task during our waking hours and keeps us safe and comfortable while we sleep. Dairyland Power Cooperative was formed in 1941 to provide safe and reliable electricity to rural residents here in the Upper Midwest. Nearly 85 years later, Dairyland’s mission to power communities remains essentially the same, but how we do our job as a critical services provider is changing dramatically. Dairyland continues to walk the talk on reducing CO2. In the past decade, we have retired 579 megawatts of coal-fired generation; our coal footprint has been reduced by 60% since 1999. However, grid regulators, such as the North American Electric Reliability Corporation, are sounding the alarm on complex reliability challenges resulting from power plant retirements. To ensure we are safe and reliable during the clean energy transition, Dairyland will continue to: System Operator Scott Brennan works in the new control room of Dairyland Power Cooperative in La Crosse in December 2023. Saskia Hatvany Listen now and subscribe: Apple Podcasts | Spotify | Stitcher | RSS Feed | SoundStack | All Of Our Podcasts Today, I would like to particularly focus on the potential of advanced nuclear energy to help America safely and effectively transition to a lower carbon economy. If we as a nation are serious about achieving carbon goals while maintaining a reliable and affordable grid, nuclear energy must be part of the conversation. Dairyland is exploring carbon-free power supply technologies, including small modular reactor (SMR) nuclear plants. SMRs have the potential for flexible, high-capacity, zero-carbon energy production. No matter what the weather, SMRs can power your life without leaving a carbon footprint. In addition, SMR facilities can bring family-supporting jobs and economic benefits to communities. But change doesn’t happen overnight. Now is the time to prepare for a pivot towards nuclear for energy transition success. How? By engaging with local communities, elected officials, industry and academic experts and anyone interested in dialogue about the future. Dairyland Electric Cooperative CEO Brent Ridge, right, speaks about the need for nuclear energy in the future as U.S. Rep. Derrick Van Orden listens Oct. 29. STEVE RUNDIO, River Valley News Group file photo In addition to advanced nuclear, Dairyland is interested in pumped storage hydro and long-duration energy storage (LDES) technologies. Recently, Dairyland received a $28 million U.S. Department of Energy award to bring LDES projects to rural communities. The federal funding supports the development of three battery storage facilities in Wyeville, Wisconsin; Frentress Lake, Illinois; and Waukon, Iowa. It is a thrilling time to work in the energy sector, with emerging technologies and opportunities that will require new skillsets and innovative thinkers to propel the energy transition forward. Dairyland looks forward to collaborating with our members, communities and the next generation of visionaries to improve quality of life everywhere we serve. Brent Ridge

Migrant crossings via Panama’s Darien Gap dropBy Philip Shimnom Clement The American Center for Artificial Intelligence has called for the deployment of responsible Artificial Intelligence (AI) to promote economic growth and development of the country. Olusola Amusan, Director (ACAi) made the disclosure in Abuja on Saturday during the Annual lecture and Investiture with the theme: “Responsible AI: Charting a Path for Ethical and Inclusive Innovation.” He said this year’s theme reflects a mission that resonates deeply in era of technological advancement, with a mission to align Innovation with the values that define humanity. “Artificial Intelligence is no longer a distant concept; it is interwoven into the fabric bric of our lives, influencing industries, economies, and societies worldwide. “However, with this immense potential comes the profound responsibility to ensure Al systems are ethical, transparent, and equitable. This summit is more than a platform for discussion It is a call to action. Through the insights of our distinguished speakers and the collaborations we foster here, we aim to inspire solutions that address real-world challenges while safeguarding the ethical integrity of Al development,” he explained He added that the investiture of new members into the American Center for Artificial Intelligence Fellowship is targeted at growing network of visionarnes committed to steering Al’s future responsibly. Also speaking, another digital equity and tech leader, Emmanuel Asika stated that responsible AI should be designed in a way that it includes all gender and all facets of human endeavours He added that “It should also be accountable and transparent and devoid of anything that will lead to data privacy breach.” Meanwhile, Zareefa Mustapha, who represented the Director General of the National Information Technology Development Agency (NITDA) said the Agencg is developing a National AI strategy which is a working document to ensure it’s ethical use. Join Daily Trust WhatsApp Community For Quick Access To News and Happenings Around You.

Drama surrounds final three F1 races of season

T-Mobile says cyber attackers had no access to customer dataCity of Tracy Parks & Rec hosted adult softball co-ed championship game last Monday night. Jay’s Gourmet - Food with Soul took home the trophy, ending their undefeated season with an 11-0 record. The Brew Jays took second place. The co-ed league came back to life this year after a pandemic caused hiatus and will be back again in the spring of 2025. Contact the Tracy Press sportsdesk at aarmeniakos@tracypress.com , or call 209-830-4229.

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