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ag.okebet ( ) just hit a new 12-month high. Investors who missed the bounce are wondering if BMO stock is still and good to buy for a self-directed Tax-Free Savings Account (TFSA) or Registered Retirement Savings Plan (RRSP) portfolio focused on and total returns. Bank of Montreal share price Bank of Montreal trades near $146 per share at the time of writing. The stock has been on a wild ride in the past two trading sessions. BMO released its fiscal fourth-quarter (Q4) 2024 results on December 5. Markets initially reacted negatively to the report, sending the stock from $134 to $127. As analysts combed through the results, however, sentiment shifted, and BMO reversed course. Savvy investors who bought the initial dip are up as much as 15%. This kind of volatility is not historically common with the big Canadian banks that are broadly viewed as best-in-class global financial institutions. In the case of Bank of Montreal, the sharp jump in provisions for credit losses (PCL) scared investors who have been concerned that high interest rates are still putting pressure on businesses and households with too much debt. That scenario is likely to persist, even as interest rates continue to decline, but BMO said it expects PCL to moderate through 2025. Bank of Montreal’s high provisions are largely connected to its U.S. operations. The bank has some commercial loans that are in trouble and has decided to set cash aside for potential losses. Bank of Montreal purchased California-based Bank of the West for US$16.3 billion in early 2023, enlarging its existing BMO Harris Bank operations. BMO negotiated the deal in late 2021, near the peak of the first post-pandemic rally in bank stocks. Since then, aggressive rate hikes by the central banks have put pressure on borrowers and have led to a surge in PCL at Bank of Montreal and its peers. Opportunity The market appears to be of the opinion that the worst is over for Bank of Montreal in the American business. Looking ahead, the U.S. Federal Reserve is expected to continue to cut interest rates, although the pace might slow down if planned tariffs drive up inflation. Bank of Montreal’s large U.S. footprint positions the bank to benefit from growth in the U.S. economy, which is in better shape than the economy in Canada and will likely outperform the domestic market in the next couple of years. Dividends and share buybacks Investors might also be encouraged by the 3% dividend increase and BMO’s plans to repurchase 20 million shares. This suggests the board is comfortable with the earnings outlook for fiscal 2025 and beyond. Risks Unemployment in Canada for November inched up 0.3% to 6.8%. If job losses continue to increase as the economy softens, there could be a surge in loan defaults, even as interest rates are expected to decline. In Canada, roughly a million fixed-rate mortgages are coming due in 2025. Most people will see renewal rates that are much higher than their current rate. Banks have broadly said that households are doing a good job of being able to adjust to the rate increases, but a sharp jump in unemployment could change the narrative. Another risk is Donald Trump’s planned tariffs on all goods entering the United States. Americans could see a surge in inflation as businesses pass on the costs to consumers. Canada’s economy could take a hit due to the amount of trade the country does with the United States. Both these situations would be negative for Bank of Montreal and its peers. Is BMO stock a buy today? Investors with a buy-and-hold strategy should be comfortable owning Bank of Montreal for its dividend. Given the size of the recent rally, however, it might be worthwhile to wait for a pullback or at least take a small position and look to add on a new weakness.

Title: "Solemn Oath: NPC Companions are Getting Smarter and less Annoying!"Torquay United 4 Weston-super-Mare 2 - Gulls beat leaders in Plainmoor thriller

An energized SMU squad will carry a three-game winning streak against up-and-down Virginia in the Atlantic Coast Conference opener for each team on Saturday in Dallas. The game is the first for the Mustangs' basketball team as a member of one of the nation's perennial powerhouse leagues, but don't expect SMU (7-2) to wilt in the spotlight. The Mustangs lambasted Alabama State 101-72 on Tuesday in their most recent outing. Their two losses came against Butler on the road by 11 points and against Mississippi State at home by five. Kario Oquendo poured in a season-high 20 points to lead seven SMU scorers in double figures in the win over Alabama State. Matt Cross added 12 points and 10 rebounds for the Mustangs while Samet Yigitoglu and Chuck Harris scored 12 points apiece. Yohan Traore and B.J. Edwards each had 11 and Jerrell Colbert hit for 10. "I think it's finally getting to the point where we are starting to figure out how to play as a team," Oquendo said. "You can see it from game to game. We're getting better, and every practice, we're getting better. I believe the more games we play together, the more the things start coming together." SMU is second in scoring per game in the ACC (averaging 88.3 points) and assists per game (16.4). The Mustangs lead the ACC in rebound margin (plus-10.9), total rebound average (43.3 per game) and offensive rebounds (15.2 a game) -- all in all, an impressive start to their campaign. Boopie Miller is the SMU leader in scoring average (15.6 points per game) and assists (5.8), with Cross the top rebounder (7.5 per game). The Cavaliers (5-3) head to Dallas after an 87-69 loss at No. 13 Florida on Wednesday in the SEC/ACC Challenge. Elijah Saunders scored 19 points for Virginia while Isaac McKneely added 12 points -- all on 3-pointers. The Cavaliers, however, had no answer for the Florida defense, committing 15 turnovers that led to 20 points for the Gators. Virginia led 18-9 early but were down by four at halftime. They got to within a point after a deep basket by Saunders in the opening minute of the second half, but that was as close as the Cavaliers would come. "Overall, I was very, very pleased with the first half," Virginia interim coach Ron Sanchez said. "I think that we handled adversity well. This group is on its way of becoming who they're going to be. It's painful growth, but you grow nonetheless." McKneely leads the Cavaliers with 13.1 points per game, followed by Saunders at 10.3. Jacob Cofie is the top rebounder at 6.4 per game, while Andrew Rohde has a team-best average of three assists. The teams have met just once before, with the Cavaliers outlasting SMU 76-73 in the semifinals of the Corpus Christi Challenge on Nov. 29, 2013. --Field Level Media

DAVID Beckham paid a secret visit to Man United’s beloved receptionist Kath Phipps before she died. He was among a host of club legends to pay heartfelt tribute to Kath, 85 — an Old Trafford employee for 56 years. Alongside a photo of them holding hands, Becks, 49, wrote : “I moved up to Manchester at 15 and Kath made a promise to my mum and dad, ‘I’ll look after your boy for you, don’t you worry’. “And from that first day till the last day I spent with her, that’s exactly what she did.” Becks added on Instagram: “Old Trafford will never be the same without your smile as we walk through those doors. We love you.” Becks travelled to her home two weeks before she passed away. READ MORE DAVID BECKHAM A source told The Sun: “David made it his mission to go to see Kath at home. “It was an incredibly emotional moment.” In Netflix series Beckham, she said she found bullets in letters sent to him after his 1998 World Cup red card. After Kath’s death was announced on Thursday, ex-Old Trafford star Wayne Rooney called her the club’s “heart and soul” while his team-mate Rio Ferdinand said she was “incredibly selfless”. Most read in Football United fan Kath started out as a switchboard operator for the club in the 1960s. Latterly, she was receptionist at the Carrington training complex. She said last year: “I don’t think I’ve had one cross word with anybody in all the years I’ve been here. "I look forward to coming in and having a smile on my face every day.”Author sheds light on James Dean’s secret life in new bookAP Trending SummaryBrief at 6:04 p.m. EST

The circumstances surrounding Liu Dabeili's passing have raised questions and concerns about the safety and implications of cosmetic surgeries, particularly when performed on seemingly healthy individuals. While liposuction is a commonly performed procedure with generally favorable outcomes, there are inherent risks and potential complications that must be carefully considered before undergoing such surgery. The tragic outcome in this case serves as a stark reminder of the importance of thorough evaluation and caution when it comes to elective medical procedures.

When Apple introduced the nano-texture display option, it revolutionized how creators like me interacted with their most crucial tool. Let’s face it, we look at the display on the laptop 100% of the time we use it, so it needs to be as perfect as humanly possible. Until now, despite countless improvements from Apple and others, no display has truly nailed the combination of resolution, quality, accuracy, and glare reduction. This is the first time it genuinely feels like everything has come together perfectly. As someone who frequently battles glare while simultaneously demanding the ideal combination of portability and power, I wholeheartedly believe that the MacBook Pro 14-inch, equipped with the formidable M4 Pro chip, represents a significant improvement that fully satisfies all my creative demands. Designer: Apple The magic lies in microscopic etchings that break down light waves. Instead of applying a coating that dulls the display, Apple precisely alters the glass surface itself. These nanometer-scale etchings scatter ambient light while attempting to maintain the display’s inherent color accuracy and contrast. The nano-texture display, a $150 upgrade, felt like a luxury at first—until I used it for the first time today. Working outdoors, on airplanes, in cars, or any bright environment is now effortless. Previously, my 16-inch M1 Max MacBook Pro would glare so much under sunlight that I’d have to squint or move indoors. Now, with the nano-texture display, direct sunlight feels irrelevant. I placed both laptops side-by-side during my testing, and the difference was immediate. The nano-texture display stood out, turning a frustrating glare-filled workspace into a productive one. Apple’s nano-texture technology effectively reduces glare—it’s the closest thing to a paper-like feel I’ve experienced on a laptop screen, offering a unique viewing experience akin to a printed photograph. The etched surface scatters light evenly, making it comfortable to look at for long hours without that usual agony of dealing with glare. The crisp colors and contrast are still intact, which is crucial for my work. The nano-texture display also gives me a genuine sense of immersiveness, drawing me in without distraction, which is particularly beneficial for long sessions of writing, editing images, and videos. Whether I’m writing or editing images or videos, the screen performs seamlessly, with wide viewing angles and consistent quality, regardless of lighting conditions. For someone who is always on the move, the weight of my gear matters as much as its performance. The M4 14-inch MacBook Pro is incredibly light at 3.1 pounds compared to the 16-inch, which is heftier at 4.7 pounds and even lighter than the 15-inch MacBook Air M3, which weighs 3.3 pounds. This reduction might not sound significant on paper, but it’s transformative in daily use—especially when carrying other essentials. The smaller display size could seem limiting, but it works perfectly for my needs in real-world use. As an editor and journalist who runs multiple tasks simultaneously—often including working in tight spaces like cafés or planes—the compact form factor fits seamlessly into my workflow without feeling like a compromise. As a one-bag packer, the smaller M4 MacBook Pro fits easily into my backpack, allowing me to travel light without sacrificing capability. Apple Silicon has spoiled me with its reliability. The M4 Pro chip continues the tradition of handling demanding tasks without hiccups. Whether I’m editing a 4K video, running multiple content creation applications, or using a native AI app to transcribe audio to text, the performance is seamless. Efficiency isn’t just about speed—it’s about working without worrying if my machine can keep up. What’s most surprising is how quiet it remains, even under heavy loads. I’ve been extremely spoiled by the noiseless MacBook Air, thanks to its fanless architecture, so this is a welcome feature during late-night writing sessions or when working in quieter environments. Nano-Texture: The Heart of the Upgrade This display technology presents the perfect opportunity to upgrade—at this very moment. The nano-texture screen significantly reduced reflections, transforming how I work in mixed lighting conditions. My work remains vibrant and clear in a sunlit office, where glare usually dominates. At the same time, in dimly lit offices, the contrast and color accuracy stay sharp. It feels like the display adapts to me rather than vice versa. For those already using an M1 Max MacBook Pro, the move to the M4 Pro might feel incremental on paper. But for me, it’s the culmination of subtle refinements: the nano-texture display, compactness of the 14-inch form factor, and even more efficient performance. These changes align perfectly with all my daily needs. It’s about having reliable tools that enhance my workflow and make my day-to-day tasks more efficient. The M4 14-inch MacBook Pro is a reliable and essential part of how I create, edit, and collaborate every day. This is just a rough hands-on, and the full review is forthcoming. I have a trip to Japan, China, and then Dubai in the next few weeks back to back, and I can’t wait to put it through real-world tests. Starting at $1,999, with the nano-texture display option adding $150, it’s an investment that feels justified every time I power it on. For anyone who demand the best from their gear, this MacBook Pro delivers an experience worth every dollar.

As the teams prepare to take to the field, all eyes will be on the Santiago Bernabeu Stadium, where the battle for supremacy in the UEFA Champions League will unfold. With a star-studded lineup and the promise of exciting football, this match is one that fans will not want to miss. Let the games begin!

The European Union's antitrust regulators have launched a formal investigation into Google's advertising activities, following complaints from competitors and concerns over potential anti-competitive behavior. The investigation will focus on whether Google has been unfairly favoring Meta in ad deals, giving the social media company an unfair advantage in the digital advertising market.