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Steelers believe they’re Super Bowl contenders. The next 3 weeks will see if they’re rightGameStop: Fiscal Q3 Earnings SnapshotATLANTA (AP) — Jimmy Carter, the peanut farmer who won the presidency in the wake of the Watergate scandal and Vietnam War, endured humbling defeat after one tumultuous term and then redefined life after the White House as a global humanitarian, has died. He was 100 years old. The longest-lived American president died on Sunday, more than a year after entering hospice care , at his home in the small town of Plains, Georgia, where he and his wife, Rosalynn, who died at 96 in November 2023 , spent most of their lives, The Carter Center said. “Our founder, former U.S. President Jimmy Carter, passed away this afternoon in Plains, Georgia,” the center said in posting about his death on the social media platform X. It added in a statement that he died peacefully, surrounded by his family. As reaction poured in from around the world, President Joe Biden mourned Carter’s death, saying the world lost an “extraordinary leader, statesman and humanitarian” and he lost a dear friend. Biden cited Carter’s compassion and moral clarity, his work to eradicate disease, forge peace, advance civil and human rights, promote free and fair elections, house the homeless and advocacy for the disadvantaged as an example for others. “To all of the young people in this nation and for anyone in search of what it means to live a life of purpose and meaning – the good life – study Jimmy Carter, a man of principle, faith, and humility,” Biden said in a statement. “He showed that we are a great nation because we are a good people – decent and honorable, courageous and compassionate, humble and strong.” Biden said he is ordering a state funeral for Carter in Washington. Businessman, Navy officer, evangelist, politician, negotiator, author, woodworker, citizen of the world — Carter forged a path that still challenges political assumptions and stands out among the 45 men who reached the nation’s highest office. The 39th president leveraged his ambition with a keen intellect, deep religious faith and prodigious work ethic, conducting diplomatic missions into his 80s and building houses for the poor well into his 90s. “My faith demands — this is not optional — my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can, with whatever I have to try to make a difference,” Carter once said. A president from Plains A moderate Democrat, Carter entered the 1976 presidential race as a little-known Georgia governor with a broad smile, outspoken Baptist mores and technocratic plans reflecting his education as an engineer. His no-frills campaign depended on public financing, and his promise not to deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter repeated before narrowly beating Republican incumbent Gerald Ford, who had lost popularity pardoning Nixon. Carter governed amid Cold War pressures, turbulent oil markets and social upheaval over racism, women’s rights and America’s global role. His most acclaimed achievement in office was a Mideast peace deal that he brokered by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at the bargaining table for 13 days in 1978. That Camp David experience inspired the post-presidential center where Carter would establish so much of his legacy. Yet Carter’s electoral coalition splintered under double-digit inflation, gasoline lines and the 444-day hostage crisis in Iran. His bleakest hour came when eight Americans died in a failed hostage rescue in April 1980, helping to ensure his landslide defeat to Republican Ronald Reagan. Carter acknowledged in his 2020 “White House Diary” that he could be “micromanaging” and “excessively autocratic,” complicating dealings with Congress and the federal bureaucracy. He also turned a cold shoulder to Washington’s news media and lobbyists, not fully appreciating their influence on his political fortunes. “It didn’t take us long to realize that the underestimation existed, but by that time we were not able to repair the mistake,” Carter told historians in 1982, suggesting that he had “an inherent incompatibility” with Washington insiders. Carter insisted his overall approach was sound and that he achieved his primary objectives — to “protect our nation’s security and interests peacefully” and “enhance human rights here and abroad” — even if he fell spectacularly short of a second term. And then, the world Ignominious defeat, though, allowed for renewal. The Carters founded The Carter Center in 1982 as a first-of-its-kind base of operations, asserting themselves as international peacemakers and champions of democracy, public health and human rights. “I was not interested in just building a museum or storing my White House records and memorabilia,” Carter wrote in a memoir published after his 90th birthday. “I wanted a place where we could work.” That work included easing nuclear tensions in North and South Korea, helping to avert a U.S. invasion of Haiti and negotiating cease-fires in Bosnia and Sudan. By 2022, The Carter Center had declared at least 113 elections in Latin America, Asia and Africa to be free or fraudulent. Recently, the center began monitoring U.S. elections as well. Carter’s stubborn self-assuredness and even self-righteousness proved effective once he was unencumbered by the Washington order, sometimes to the point of frustrating his successors . He went “where others are not treading,” he said, to places like Ethiopia, Liberia and North Korea, where he secured the release of an American who had wandered across the border in 2010. “I can say what I like. I can meet whom I want. I can take on projects that please me and reject the ones that don’t,” Carter said. He announced an arms-reduction-for-aid deal with North Korea without clearing the details with Bill Clinton’s White House. He openly criticized President George W. Bush for the 2003 invasion of Iraq. He also criticized America’s approach to Israel with his 2006 book “Palestine: Peace Not Apartheid.” And he repeatedly countered U.S. administrations by insisting North Korea should be included in international affairs, a position that most aligned Carter with Republican President Donald Trump. Among the center’s many public health initiatives, Carter vowed to eradicate the guinea worm parasite during his lifetime, and nearly achieved it: Cases dropped from millions in the 1980s to nearly a handful. With hardhats and hammers, the Carters also built homes with Habitat for Humanity. The Nobel committee’s 2002 Peace Prize cites his “untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” Carter should have won it alongside Sadat and Begin in 1978, the chairman added. Carter accepted the recognition saying there was more work to be done. “The world is now, in many ways, a more dangerous place,” he said. “The greater ease of travel and communication has not been matched by equal understanding and mutual respect.” ‘An epic American life’ Carter’s globetrotting took him to remote villages where he met little “Jimmy Carters,” so named by admiring parents. But he spent most of his days in the same one-story Plains house — expanded and guarded by Secret Service agents — where they lived before he became governor. He regularly taught Sunday School lessons at Maranatha Baptist Church until his mobility declined and the coronavirus pandemic raged. Those sessions drew visitors from around the world to the small sanctuary where Carter will receive his final send-off after a state funeral at Washington’s National Cathedral. The common assessment that he was a better ex-president than president rankled Carter and his allies. His prolific post-presidency gave him a brand above politics, particularly for Americans too young to witness him in office. But Carter also lived long enough to see biographers and historians reassess his White House years more generously. His record includes the deregulation of key industries, reduction of U.S. dependence on foreign oil, cautious management of the national debt and notable legislation on the environment, education and mental health. He focused on human rights in foreign policy, pressuring dictators to release thousands of political prisoners . He acknowledged America’s historical imperialism, pardoned Vietnam War draft evaders and relinquished control of the Panama Canal. He normalized relations with China. “I am not nominating Jimmy Carter for a place on Mount Rushmore,” Stuart Eizenstat, Carter’s domestic policy director, wrote in a 2018 book. “He was not a great president” but also not the “hapless and weak” caricature voters rejected in 1980, Eizenstat said. Rather, Carter was “good and productive” and “delivered results, many of which were realized only after he left office.” Madeleine Albright, a national security staffer for Carter and Clinton’s secretary of state, wrote in Eizenstat’s forward that Carter was “consequential and successful” and expressed hope that “perceptions will continue to evolve” about his presidency. “Our country was lucky to have him as our leader,” said Albright, who died in 2022. Jonathan Alter, who penned a comprehensive Carter biography published in 2020, said in an interview that Carter should be remembered for “an epic American life” spanning from a humble start in a home with no electricity or indoor plumbing through decades on the world stage across two centuries. “He will likely go down as one of the most misunderstood and underestimated figures in American history,” Alter told The Associated Press. A small-town start James Earl Carter Jr. was born Oct. 1, 1924, in Plains and spent his early years in nearby Archery. His family was a minority in the mostly Black community, decades before the civil rights movement played out at the dawn of Carter’s political career. Carter, who campaigned as a moderate on race relations but governed more progressively, talked often of the influence of his Black caregivers and playmates but also noted his advantages: His land-owning father sat atop Archery’s tenant-farming system and owned a main street grocery. His mother, Lillian , would become a staple of his political campaigns. Seeking to broaden his world beyond Plains and its population of fewer than 1,000 — then and now — Carter won an appointment to the U.S. Naval Academy, graduating in 1946. That same year he married Rosalynn Smith, another Plains native, a decision he considered more important than any he made as head of state. She shared his desire to see the world, sacrificing college to support his Navy career. Carter climbed in rank to lieutenant, but then his father was diagnosed with cancer, so the submarine officer set aside his ambitions of admiralty and moved the family back to Plains. His decision angered Rosalynn, even as she dived into the peanut business alongside her husband. Carter again failed to talk with his wife before his first run for office — he later called it “inconceivable” not to have consulted her on such major life decisions — but this time, she was on board. “My wife is much more political,” Carter told the AP in 2021. He won a state Senate seat in 1962 but wasn’t long for the General Assembly and its back-slapping, deal-cutting ways. He ran for governor in 1966 — losing to arch-segregationist Lester Maddox — and then immediately focused on the next campaign. Carter had spoken out against church segregation as a Baptist deacon and opposed racist “Dixiecrats” as a state senator. Yet as a local school board leader in the 1950s he had not pushed to end school segregation even after the Supreme Court's Brown v. Board of Education decision, despite his private support for integration. And in 1970, Carter ran for governor again as the more conservative Democrat against Carl Sanders, a wealthy businessman Carter mocked as “Cufflinks Carl.” Sanders never forgave him for anonymous, race-baiting flyers, which Carter disavowed. Ultimately, Carter won his races by attracting both Black voters and culturally conservative whites. Once in office, he was more direct. “I say to you quite frankly that the time for racial discrimination is over,” he declared in his 1971 inaugural address, setting a new standard for Southern governors that landed him on the cover of Time magazine. 'Jimmy Who?' His statehouse initiatives included environmental protection, boosting rural education and overhauling antiquated executive branch structures. He proclaimed Martin Luther King Jr. Day in the slain civil rights leader’s home state. And he decided, as he received presidential candidates in 1972, that they were no more talented than he was. In 1974, he ran Democrats’ national campaign arm. Then he declared his own candidacy for 1976. An Atlanta newspaper responded with the headline: “Jimmy Who?” The Carters and a “Peanut Brigade” of family members and Georgia supporters camped out in Iowa and New Hampshire, establishing both states as presidential proving grounds. His first Senate endorsement: a young first-termer from Delaware named Joe Biden. Yet it was Carter’s ability to navigate America’s complex racial and rural politics that cemented the nomination. He swept the Deep South that November, the last Democrat to do so, as many white Southerners shifted to Republicans in response to civil rights initiatives. A self-declared “born-again Christian,” Carter drew snickers by referring to Scripture in a Playboy magazine interview, saying he “had looked on many women with lust. I’ve committed adultery in my heart many times.” The remarks gave Ford a new foothold and television comedians pounced — including NBC’s new “Saturday Night Live” show. But voters weary of cynicism in politics found it endearing. Carter chose Minnesota Sen. Walter “Fritz” Mondale as his running mate on a “Grits and Fritz” ticket. In office, he elevated the vice presidency and the first lady’s office. Mondale’s governing partnership was a model for influential successors Al Gore, Dick Cheney and Biden. Rosalynn Carter was one of the most involved presidential spouses in history, welcomed into Cabinet meetings and huddles with lawmakers and top aides. The Carters presided with uncommon informality: He used his nickname “Jimmy” even when taking the oath of office, carried his own luggage and tried to silence the Marine Band’s “Hail to the Chief.” They bought their clothes off the rack. Carter wore a cardigan for a White House address, urging Americans to conserve energy by turning down their thermostats. Amy, the youngest of four children, attended District of Columbia public school. Washington’s social and media elite scorned their style. But the larger concern was that “he hated politics,” according to Eizenstat, leaving him nowhere to turn politically once economic turmoil and foreign policy challenges took their toll. Accomplishments, and ‘malaise’ Carter partially deregulated the airline, railroad and trucking industries and established the departments of Education and Energy, and the Federal Emergency Management Agency. He designated millions of acres of Alaska as national parks or wildlife refuges. He appointed a then-record number of women and nonwhite people to federal posts. He never had a Supreme Court nomination, but he elevated civil rights attorney Ruth Bader Ginsburg to the nation’s second highest court, positioning her for a promotion in 1993. He appointed Paul Volker, the Federal Reserve chairman whose policies would help the economy boom in the 1980s — after Carter left office. He built on Nixon’s opening with China, and though he tolerated autocrats in Asia, pushed Latin America from dictatorships to democracy. But he couldn’t immediately tame inflation or the related energy crisis. And then came Iran. After he admitted the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979 by followers of the Ayatollah Ruhollah Khomeini. Negotiations to free the hostages broke down repeatedly ahead of the failed rescue attempt. The same year, Carter signed SALT II, the new strategic arms treaty with Leonid Brezhnev of the Soviet Union, only to pull it back, impose trade sanctions and order a U.S. boycott of the Moscow Olympics after the Soviets invaded Afghanistan. Hoping to instill optimism, he delivered what the media dubbed his “malaise” speech, although he didn’t use that word. He declared the nation was suffering “a crisis of confidence.” By then, many Americans had lost confidence in the president, not themselves. Carter campaigned sparingly for reelection because of the hostage crisis, instead sending Rosalynn as Sen. Edward M. Kennedy challenged him for the Democratic nomination. Carter famously said he’d “kick his ass,” but was hobbled by Kennedy as Reagan rallied a broad coalition with “make America great again” appeals and asking voters whether they were “better off than you were four years ago.” Reagan further capitalized on Carter’s lecturing tone, eviscerating him in their lone fall debate with the quip: “There you go again.” Carter lost all but six states and Republicans rolled to a new Senate majority. Carter successfully negotiated the hostages’ freedom after the election, but in one final, bitter turn of events, Tehran waited until hours after Carter left office to let them walk free. 'A wonderful life' At 56, Carter returned to Georgia with “no idea what I would do with the rest of my life.” Four decades after launching The Carter Center, he still talked of unfinished business. “I thought when we got into politics we would have resolved everything,” Carter told the AP in 2021. “But it’s turned out to be much more long-lasting and insidious than I had thought it was. I think in general, the world itself is much more divided than in previous years.” Still, he affirmed what he said when he underwent treatment for a cancer diagnosis in his 10th decade of life. “I’m perfectly at ease with whatever comes,” he said in 2015 . “I’ve had a wonderful life. I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” ___ Sanz is a former Associated Press reporter. Bill Barrow And Alex Sanz, The Associated Press
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ZIONSVILLE, Ind. (WISH) — Rahal Letterman Lanigan Racing (RLL) announced on Monday that Devlin DeFrancesco is joining the NTT IndyCar Series team on a multi-year deal. DeFrancesco will race the No. 30 car beginning this upcoming season. “I’m very excited to be back in the IndyCar Series,” DeFrancesco said in a press release . “Rahal Letterman Lanigan Racing has an amazing history and is also on an impressive trajectory. Seeing all the work that is going on from the men and women behind the scenes, it is easy to see that this team and myself are very hungry for results. I look forward to getting started with all the great people here.” DeFrancesco last raced in the IndyCar Series during the 2023 season with Andretti Steinbrenner Autosport, finishing 22nd in the standings. His first IndyCar season was the year prior (2022) with Andretti Steinbrenner Autosport. He finished 23th in the standings that year. DeFrancesco’s best IndyCar race result has been 12th (World Wide Technology Raceway in 2022 and the Streets of Detroit in 2023). “I’m very pleased that we are able to welcome Devlin to the team,” RLL co-owner Bobby Rahal said in the press release. “We had the chance to witness his ability while he was at Andretti and there were clearly times when he was quite competitive so I’m confident that we can have a lot of good races together. We’re looking forward to his contribution to the team.” With Monday’s announcement RLL’s full-time driver lineup for the upcoming season is set. Graham Rahal will race No. 15 car , while Louis Foster will drive the No. 45 car. Only three full-time driver spots remain for the upcoming IndyCar season, two with Dale Coyne Racing and one with Juncos Hollinger Racing. The 2025 NTT IndyCar Series season begins March 2 on the Streets of St. Petersburg with the Firestone Grand Prix of St. Petersburg.
Share Tweet Share Share Email Predictive analytics, a subset of advanced analytics, uses statistical algorithms, machine learning techniques, and data mining to analyze historical data and make predictions about future outcomes. In finance, this approach has become a cornerstone for enhancing decision-making, reducing risks, and identifying opportunities. But how does predictive analytics contribute to financial health? And why is seeing the big picture crucial ? The Importance of Financial Health Financial health reflects the stability and sustainability of an individual, business, or economy. For individuals, it entails consistent income, manageable debt, and savings for future needs. For businesses, financial health involves maintaining profitability, ensuring liquidity, and managing risks effectively. Predictive analytics provides tools to assess, monitor, and improve these aspects by offering data-driven insights. Why Predictive Analytics Matters in Financial Management Proactive Decision-Making: Instead of reacting to financial issues, predictive analytics allows entities to anticipate and mitigate problems before they escalate. Risk Management: By analyzing historical patterns, businesses can identify potential risks and devise strategies to counteract them. Optimized Investments: Insights derived from predictive models can help optimize investment decisions, ensuring maximum returns. Key Applications of Predictive Analytics in Financial Health Credit Scoring and Risk Assessment Credit scoring is one of the most common applications of predictive analytics in finance. By evaluating historical borrowing and repayment data, predictive models can determine the likelihood of a borrower defaulting on a loan. Furthermore, This information helps lenders make informed decisions, minimizing potential losses. For example, financial institutions use machine learning models to evaluate creditworthiness by considering multiple factors, such as income, credit history, and spending habits. These models go beyond traditional credit scoring methods, providing a comprehensive risk profile for borrowers. Fraud Detection Financial fraud poses a significant threat to individuals and organizations alike. Predictive analytics plays a pivotal role in identifying unusual patterns that may indicate fraudulent activities. Machine learning algorithms analyze vast amounts of transactional data, flagging anomalies in real time. For instance, if a credit card is suddenly used in a different country or for unusually large purchases, predictive models can detect these anomalies and trigger alerts. This proactive approach enhances security and reduces financial losses. Portfolio Management Investors and portfolio managers rely on predictive analytics to make data-driven decisions. By analyzing market trends, economic indicators, and historical performance, predictive models provide insights into the future performance of assets. This enables better asset allocation, diversification, and risk management. For example, robo-advisors use predictive analytics to recommend personalized investment strategies based on an investor’s goals, risk tolerance, and financial situation. These automated tools make investing accessible and efficient. Cash Flow Forecasting Accurate cash flow management is vital for businesses to ensure liquidity and avoid financial crises. Predictive analytics helps companies forecast cash inflows and outflows by analyzing historical data, seasonal trends, and market conditions. This foresight allows businesses to plan expenditures, manage debts, and seize growth opportunities effectively. Personal Financial Planning Individuals can leverage predictive analytics for budgeting and long-term financial planning. In as much as, Tools like budgeting apps and financial planning software use predictive models to analyze spending habits and forecast future financial needs. These insights empower users to make informed decisions, save effectively, and achieve financial goals. The Role of Data in Predictive Analytics Data is the backbone of predictive analytics. Without accurate and comprehensive data, predictive models cannot deliver reliable insights. In financial health, data sources include: Historical Financial Data: Past transactions, income statements, and balance sheets provide the foundation for analysis. Market Trends: Economic indicators, stock market data, and industry trends help predict future scenarios. Behavioral Data: Insights into consumer behavior, such as spending habits and preferences , enrich predictive models. Challenges in Implementing Predictive Analytics Data Quality and Accessibility The accuracy of predictive models depends on the quality of data. Incomplete, outdated, or biased data can lead to flawed predictions. Additionally, accessing sensitive financial data often involves navigating complex privacy regulations and security concerns. Integration with Existing Systems Implementing predictive analytics requires integrating advanced tools with existing financial systems. This process can be challenging and time-consuming, especially for organizations with legacy systems. Expertise and Costs Building and maintaining predictive models demand skilled data scientists and significant investments in technology. Moreover, For smaller businesses or individuals, these costs can be prohibitive. Best Practices for Leveraging Predictive Analytics Define Clear Objectives Identify specific financial goals and align predictive analytics efforts with these objectives. Whether it’s reducing credit risks, improving savings, or optimizing investments, clarity in goals ensures effective implementation. Invest in Quality Data Ensure access to accurate, comprehensive, and up-to-date data. Implement robust data governance practices to maintain data integrity and compliance. Embrace Automation Automation simplifies predictive analytics processes, making them more accessible and efficient. Tools like artificial intelligence (AI) and machine learning can automate data analysis, model building, and insights generation. Monitor and Update Models Predictive models must evolve with changing market conditions and new data. Thus, Regular monitoring and updates ensure models remain relevant and reliable. Future Trends in Predictive Analytics for Financial Health The field of predictive analytics continues to evolve, driven by advancements in technology and increasing demand for data-driven insights. Key trends include: Integration with Artificial Intelligence AI-powered predictive analytics can process vast amounts of data at unprecedented speeds, uncovering deeper insights and enhancing accuracy. Additionally, AI-driven tools like natural language processing and deep learning are expected to revolutionize financial analytics. Real-Time Analytics Real-time predictive analytics enables faster decision-making by providing immediate insights. This capability is particularly valuable in volatile markets or fraud detection scenarios. Increased Accessibility As technology becomes more affordable, predictive analytics tools are becoming accessible to small businesses and individuals. Furthermore, This democratization of analytics empowers more users to benefit from data-driven insights. Conclusion Predictive analytics is transforming financial health by enabling proactive decision-making, enhancing risk management, and optimizing financial strategies. Additionally, By seeing the big picture, individuals and businesses can navigate uncertainties, seize opportunities, and achieve sustainable growth. While challenges exist, the future of predictive analytics in finance holds immense potential, promising greater accessibility, efficiency, and impact. Furthermore, Embracing this innovative approach is not just an option—it’s a necessity for thriving in an increasingly data-driven world. Related Items: Offload Real-Time Analytics , Predictive Analytics for Financial Health , Seeing the Big Picture Share Tweet Share Share Email Recommended for you Offload Real-Time Analytics from MongoDB Using Elasticsearch Comments
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