Wednesday, November 19, 2025

 
Home Blog Page 29

Here’s how much I’d need to invest in Lloyds’ shares for a £1,000 second income

0


Image source: Getty Images

There are lots of ways to earn a second income. But investing in high-quality stocks is among the easiest methods for those willing to take on a bit of risk. And when it comes to dividend-paying stocks, few come close to the popularity of Lloyds‘ (LSE:LLOY) shares.

The leading British bank has had a phenomenal run in 2025, with its market-cap climbing by over 70%, far outpacing the FTSE 100. In fact, this momentum’s pushed the back stock to its highest level since the 2008 financial crisis. And yet, it still offers an index-beating dividend yield of 3.6%.

With a dividend per share of 3.33p, investors can unlock a £1,000 second income stream by simply buying roughly 30,000 shares. And looking at where the bank stock’s currently trading, such a transaction would cost around £28,000.

That’s certainly a meaningful lump sum of capital. But even smaller investors can still tap into this income opportunity by gradually building their position over time. And it’s still a lot faster than relying on the 3.1% yield of a FTSE 100 index fund.

But is it actually a good investment?

The power of higher interest rates

For most businesses, higher interest rates can be quite challenging. After all, it drives up the cost of debt, slows consumer spending, and makes it far more challenging to execute ambition growth strategies. Yet for banks like Lloyds, higher rates have proven to be enormously beneficial.

Wider lending margins have drastically boosted earnings. Subsequently, management’s raised its full-year 2025 profit guidance and even delivered an underlying return on tangible equity of 14.6% in its latest third-quarter results.

Combining this momentum with rising levels of mortgage volumes, with relatively stable default rates and credit impairment charges, investor sentiment’s drastically improved. Even more so with uncertainty surrounding the motor finance scandal starting to dissipate.

Insider buying activity has started heating up, and analysts are upgrading their share price targets. All in all, it seems Lloyds is firing on all cylinders. As does its dividend.

What’s the catch

Lloyds’ performance in 2025 has undeniably been impressive. However, like every business, there are still some notable threats on the horizon for investors to watch carefully.

The bank remains highly sensitive to the UK economic landscape. Recent interest rate cuts by the Bank of England are undoubtedly helping boost mortgage volumes, but consumer spending remains weak. And with fears of higher taxes for consumers and businesses alike in the upcoming UK Autumn Budget, economic growth may continue to prove elusive.

In other words, despite the recent strengthening of Lloyds’ financials, numerous macroeconomic headwinds are rising. These might ultimately handicap the bank’s ability to keep up its current momentum. And with a payout ratio of roughly 70%, dividends could end up on the chopping block if profits start to reverse.

The bottom line

All things considered, Lloyds’ rally is certainly justified given the immense improvement in the bank’s financials. And even with risks potentially around the corner, investors seeking to earn a second income from the British banking sector may want to consider investigating further.

However, personally, I think there are even better opportunities within the financial sector to explore.



This story originally appeared on Motley Fool

Luka Doncic scores 41 to lead Lakers’ rout of the Bucks

0


The stressful trip grew even more trying for the Lakers when two more core players weren’t able to play in the last leg of a five-game journey that tested L.A. in many ways.

Steady defensive ace Marcus Smart (viral illness) and the solid Rui Hachimura (left calf soreness) missed the second night of back-to-back games Saturday against the Milwaukee Bucks at Fiserv Form, the two of them sidelined along with LeBron James (sciatica) and Gabe Vincent (left ankle sprain).

That left it up to Luka Doncic, Austin Reaves and Deandre Ayton to lead the rest of the Lakers to the finish of the eight-day trip the right way and overcome the dominance of Giannis Antetokounmpo.

Doncic, Reaves and Ayton combined for 86 points, and the Lakers opened a 31-point, first-half lead that went a long way in pulling off a 119-95 win over the Bucks.

Doncic led the way with 41 points, nine rebounds and six assists, making big shots and getting to the line to turn back the Bucks and help the Lakers finish their trip 3-2. Doncic was nine for 19 from the field, including five for 11 from three-point range. He made 18 of 20 free throws.

Reaves had 25 points, eight assists and six rebounds and also hit big shots to block the Bucks’ comeback, while Ayton had 20 points and 10 rebounds.

Antetokounmpo finished with 32 points, 10 rebounds and five assists, but his effort wasn’t enough to lift the Bucks, who also were playing a back-to-back.

The Lakers’ lead got sliced to 13 in the fourth quarter, but Doncic and Reaves wouldn’t let the Lakers lose their grip, both drilling threes and making free throws to ensure they pulled out the win.

The Lakers started the trip with a loss in Atlanta to a Hawks team missing several starters and key role players. Then the Lakers lost to the defending champion Oklahoma City Thunder by 29, leaving them staggering at 1-2 on the trip.

But the Lakers got their mojo back Friday in New Orleans against the Pelicans, then went out and smoked the Bucks despite being even more shorthanded.

Lakers coach JJ Redick’s only update on Hachimura’s injured calf was “it’s tight.”

Redick was asked if Hachimura was injured against the Pelicans.

“I think he’s been having some tightness all week,” Redick said. “With a back-to-back, probably just smart to hold him out tonight. But I don’t think it will be a lingering thing.”

Lakers forward Adou Thiero dunks past the Bucks’ Andre Jackson Jr. during the second half Saturday.

(Morry Gash / Associated Press)

Redick had said he expected rookie Adou Thiero to make his debut this weekend, and the 6-foot-8 forward did.

Asked what he wanted to see from Thiero, Redick said: “Very simple — just be a banshee.”

Thiero, out to start the season while recovering from left knee surgery, had four points and an offensive rebound in five minutes, scoring his first NBA basket on a fast-break dunk off an assist from Bronny James.

The Lakers went hard in the second quarter, outscoring the Bucks 35-16 in building a 63-34 lead at the half. Ayton was a big force in the second quarter, scoring 14 points on six-for-nine shooting and grabbing four rebounds.

The Lakers shot 63.6% from the field in the second quarter, 50% from three-point range (two for four). Their defense was stellar, holding the Bucks to 15.8% shooting.

The Bucks battled back in the third quarter behind better three-point shooting, but the Lakers leaned on Doncic and Reaves to head home with a winning trip.



This story originally appeared on LA Times

The 10 most common deadly conditions and diseases based on genetics

0


Britons could be one step closer to a health crisis since the day they were born – as a doctor names the 10 deadly diseases and conditions genetically we’re more disposed to. A new study reveals half (49%) of UK adults are completely unaware of what our blood type is, while 55% are ignorant of our family history of major diseases like heart issues, cancer or diabetes.

Worryingly a quarter don’t know if anyone in their family is taking any medication, with 49% unable to tell a paramedic which pills their loved ones would need in an emergency. Now Channel 4 TV’s Embarrassing Bodies medical expert Dr Dawn Harper has revealed the 10 deadly diseases and conditions genetically any of us could unwittingly be more disposed to.

Dr Dawn Harper, who analysed the results of the survey of 2,000 adults, said: “It highlights a worrying gap in how little many people know about their own health history and that of their families.

“It’s surprising how often even basic details, such as hereditary conditions or long-term family health patterns, go unnoticed or unrecorded.

“Some may take the view that if something is ‘in your genes,’ there’s little you can do about it, but I firmly believe that knowledge is power.

“Understanding your genetic predispositions gives you the chance to take control, to make informed decisions, adopt preventative habits, and in many cases, reduce your overall risk through simple lifestyle changes.”

MiCode, which commissioned the research, says its service gives users a secure way to store and share essential health data for themselves and loved ones.

It offers a secure digital vault for all your health essentials – from blood type to medication lists – so you’re never caught out in an emergency.

Tom Johnson, founder of MiCode, added: “This survey shows a shocking gap in our national health knowledge.”

The 10 potentially hereditary diseases and conditions you may be at risk of:

1 – High blood pressure:

Dr Harper says: “High blood pressure is what we call a multifactorial disease. Lots of lifestyle factors can influence our blood pressure, but there is also a genetic link and contrary to popular belief, most people with high blood pressure don’t get headaches or visual problems. Most have no symptoms at all. I think everyone over 40 should have their blood pressure checked and if high blood pressure runs in your family, you should be checked earlier.”

2 – High cholesterol:

“Only 20% of our cholesterol comes from our diet. The rest is made in our bodies. There is a condition called familial hypercholesterolaemia which, as the name suggests, is an inherited condition which can lead to high cholesterol and if this runs in your family, you should definitely know your cholesterol.”

3 – Heart disease:

“Like blood pressure, there are lots of lifestyle factors that can increase the risk of developing heart disease. It’s important to know if close relatives have had heart attacks, especially if it happened when they were young, because that would potentially mean an increased risk of developing heart disease and may mean an individual could pay closer attention to adapting their lifestyle to mitigate that risk.”

4 – Diabetes:

“There are 4.6 million people in the UK with diabetes and 6.3 million living with pre-diabetes. It is also estimated that there are a further 1.3 million people in the UK with diabetes who have not yet been diagnosed. If diabetes runs in your family and you have not been tested, you could be one of them. Diabetes increases the risk of serious conditions like heart attacks, strokes, kidney disease, loss of sight and peripheral vascular disease, so it is vital to get checked.”

5 – Osteoporosis:

“Osteoporosis (thin bone disease) has a strong genetic link. People often tell me they know they are fine because they don’t have any aches and pains, but osteoporosis has no symptoms until the bones are so thin that they break easily. Osteoporosis in the spine can cause the vertebrae to crush under the weight of the body. Having a first degree relative with osteoporosis significantly increases your risk of developing the disease and you may be eligible for a DEXA scan on the NHS.”

6 – Cancer – in particular breast, prostate, colon, ovary, pancreas, skin (melanoma), stomach, uterus, kidney, thyroid, eye and brain:

“All of these cancers have a genetic risk and if they run in your family, you could be referred to a genetic specialist for gene testing. I remember meeting three sisters when I was filming for Embarrassing Bodies. There was a strong family history of breast cancer at a young age, and they had all decided to get genetic testing. Two of the sisters tested positive. One opted to have a bilateral mastectomy and the other decided to watch her weight, cut down on alcohol, do more exercise and stop hormonal contraception (all factors that can increase the risk of developing breast cancer). All three agreed they were glad to have found out, so that they could make informed decisions.2

7 – Alzheimer’s:

“There is a genetic link to developing Alzheimer’s. If you know this runs in your family, you can reduce your risk by altering your lifestyle. Anything that is good for the heart is good for the brain, so maintaining a healthy weight, eating a well-balanced diet, taking regular exercise, not smoking and drinking alcohol within recommended limits will help reduce your risk. Challenging your brain with word games, sudoku, or learning a new language will help keep your brain healthy.”

8 – Asthma and allergies:

“There is a strong genetic link with asthma. It is vital that you know about any allergies in your loved ones, and they know any in you, so that that can be communicated in an emergency situation to the medics looking after them or you.”

9 – Mental health issues:

“Mental health problems often have a genetic link and if, for example, depression and anxiety run in your family, it is a good idea to prioritise your own mental health. Take regular exercise, spend time in nature, manage stress and stay connected with friends.”

10 – Auto-immune diseases:

“All auto-immune diseases have a genetic link. If you know someone in your family has an auto-immune disease and you start to develop symptoms, your GP would  get you tested.”



This story originally appeared on Express.co.uk

12 Sci-Fi TV Shows That Were Canceled Way Too Soon

0






Sometimes even the most beloved science fiction series don’t garner enough of an audience for the network to justify producing more seasons. This is a tale at least as old as “Star Trek: The Original Series” which, despite a vocal fan base, was canceled after three seasons. This trend has continued on, with cult classic shows either not finding their audience until after cancellation or not living up to network expectations. Sci-fi shows often come with higher price tags than a sitcom or reality show and face a higher cancellation risk if they can’t build that sizable audience in time.

Even accounting for the financial realities of the industry, these untimely cancellation notices still hurt decades later. These are fan-favorite shows bringing fresh stories to the genre that just didn’t quite get the chance to tell their full tale. Some of these shows have grown even more popular in the years since, but those original cancellations still stand. Here are 12 sci-fi TV shows that were canceled way too soon and are still worth checking out.

Millennium (1996-99)

After creating “The X-Files,” writer and producer Chris Carter created another sci-fi horror show involving FBI agents, “Millennium.” The Fox show followed former FBI profiler Frank Black (Lance Henriksen), who had the unique ability to see through the perspective of murderers and other criminals. After resigning from the bureau, Black worked as a consultant for a shadowy organization known as the Millennium Group. Initially pursuing serial killers like he did with the FBI, Black stumbled across supernatural threats as he uncovered the disturbing truth behind the group.

Generally, “Millennium” was a much darker show than “The X-Files,” reflecting pop culture’s resurgent interest in serial killer stories at the time. As hinted by the title, the show capitalized on the impending year 2000, though it would be canceled prior to reaching its titular year. Black resurfaced in a crossover episode of “The X-Files” after its cancellation to provide closure, albeit unsatisfactorily. A serial killer show with paranormal undertones, “Millennium” was ahead of its time, beyond the apocalyptic anxiety within its premise.

The Lone Gunmen (2001)

As “The X-Files” neared the end of its original run, it spawned the Fox spin-off series “The Lone Gunmen” in 2001. The show stars the titular conspiracy theorist trio from the main series: John Fitzgerald Byers (Bruce Harwood), Melvin Frohike (Tom Braidwood), and Ringo Langly (Dean Haglund). Continuing the group’s usual paranoia-fueled investigations, the Gunmen delve into alleged government cover-ups and clandestine plots to steer the course of civilization. While the stakes are often high, the show has a much lighter tone than “The X-Files,” sometimes veering into outright slapstick comedy.

Despite its sole season ending on a cliffhanger and positive critical reviews, “The Lone Gunmen” was canceled due to low ratings. Several lingering plot threads were resolved in the ninth season of “The X-Files,” seemingly ending with the trio’s heroic deaths. “The X-Files” Season 12 suggested that a Lone Gunman faked his death, but it still would’ve been nice to see the three characters thrive in the spotlight.

Terminator: The Sarah Connor Chronicles (2008-09)

After the lackluster reaction to 2003’s “Terminator 3: Rise of the Machines,” the franchise found new life on television with Fox’s “Terminator: The Sarah Connor Chronicles.” Set in the aftermath of “Terminator 2: Judgment Day,” Sarah Connor (Lena Headey) and her son John (Thomas Dekker) learn they must prevent a cybernetic armageddon. The Connors are pursued not only by other Terminators sent from the future to kill them, but also the FBI for their destructive actions in “Judgment Day.” On the run, the duo is joined by the heroic Terminator, Cameron (Summer Glau), reprogrammed to defend them and ensure John fulfills his destiny.

Running for two seasons, “The Sarah Connor Chronicles” found fun and exciting ways to explore the wider Terminator mythos after “Judgment Day.” Headey made for an effective Sarah Connor, while Glau was always a standout in her performance as Cameron, bringing immense heart to an otherwise cold world. And for a network television show, the series featured plenty of high-octane action, worthy of its iconic franchise. One of the best TV shows based on a movie, “Terminator: The Sarah Connor Chronicles” played masterfully with its richly established sandbox while adding its own twist. 

Jericho (2006-08)

The 2006 CBS series “Jericho” begins with the end of the world as we know it, opening with 23 major American cities hit by nuclear strikes. The resulting collapse of modern civilization in the United States unfolds from the perspective of the small Kansas town of Jericho and its residents. As Jericho tries to reposition itself as a self-sufficient community without federal resources, tensions rise with the neighboring town of New Bern. This is interrupted by the arrival of a new military government, the Allied States of America, which imposes its own repressive rule over the community.

From its post-apocalyptic tribalism to its conspiracy-driven central mystery, “Jericho” avoids the overwhelmingly bleak tone that usually comes with its premise. That said, this is a show that doesn’t pull punches, especially as Jericho’s external conflicts escalate. The show’s got a solid ensemble cast led by Skeet Ulrich, with a pre-“Walking Dead” Lennie James among its standouts. “Jericho” is one of the best shows that aired for two seasons, offering tantalizing questions and plot directions with its explosive premise.

Firefly (2002)

Let’s get the obvious thing out of the way first and acknowledge the toxic allegations surrounding series creator Joss Whedon that make him a problematic figure. With that said, he was also the principal creative force behind several beloved sci-fi television series that were canceled in short order. One such ill-fated series is Fox’s “Firefly,” a space Western set in a largely lawless solar system despite the presence of a totalitarian Alliance. The story follows Captain Mal Reynolds (Nathan Fillion), who leads his crew on a small spacefaring freighter, often on smuggling contracts among the frontier colonies.

What “Firefly” does so well is fill out a Western-influenced world and mythos in its 14-episode run. The other strong quality is the ensemble cast making up the Firefly’s crew, each with their own idiosyncrasies and foibles that play well off each other. Mal Reynolds is made in the mold of Han Solo, but Fillion brings plenty of his own irascible charm to make the character his own. One of TV’s best one-season sci-fi shows, “Firefly” offers a lived-in and lawless look at life on the cosmic frontier.

Dollhouse (2009-10)

Another Whedon-created sci-fi show on Fox that got its marching orders less than two full seasons in was “Dollhouse.” Premiering in 2009, the show starred “Buffy the Vampire Slayer” alum Eliza Dushku as Echo, whose memories were repeatedly erased to accommodate temporary mental programming based on wealthy client requests. However, Echo was unique among the other Dolls in that she retained a fraction of her memory between each wipe, gradually developing a sentient personality. As the Los Angeles-based Dollhouse struggled to maintain control of its Dolls, Echo tried to avoid being detected as operating outside her programming and exiled with other broken Dolls.

“Dollhouse” was a much headier sci-fi story than Whedon’s other work, exploring the nature of identity and purpose through its near-future lens. Dushku, who also served as a series producer, gave a commanding performance as Echo, drastically shifting with each reset while retaining an underlying core personality. The series was canceled in the midst of production on its second season, though the 13-episode season was ultimately aired in its entirety. Holding a strong ranking among Whedon shows, “Dollhouse” featured the writer and producer at his most existential.

FlashForward (2009-10)

The 1999 novel “Flashforward” by British author Robert J. Sawyer was adapted into the 2009 ABC sci-fi series “FlashForward.” The show starts with a global event that has seemingly everyone on the planet lose consciousness for 137 seconds, receiving a vision of their lives six months into the future. The story centers on a team of Los Angeles-based FBI agents, focusing on partners Mark Benford (Joseph Fiennes) and Demetri Noh (John Cho) as the team tries to find out what occurred and if this is an isolated incident while reconciling with each of their individual premonitions.

“FlashForward” boasts an intriguing core premise, as the audience tries to figure out what each of the main characters just witnessed from their sneak peek. Particularly gripping is Noh’s premonition, or lack thereof, as he realizes he has to try to avert his death based on the flashforward’s implications. The series ended with an unresolved cliffhanger, but the show’s sole season told a compelling and well-crafted story. A series with a great narrative hook and well-rounded ensemble cast, “FlashForward” takes full advantage of its potential.

Caprica (2010)

One of the most universally acclaimed sci-fi series of the 21st century was the 2004 reimagining of “Battlestar Galactica,” depicting humanity’s fight against the Cylons. The year after the show’s conclusion, the prequel spin-off “Caprica” premiered on Syfy, set 58 years before the events of its predecessor in the Twelve Colonies of Kobol. When wealthy tech industrialist Daniel Graystone (Eric Stoltz) loses his daughter to an unexpected tragedy, he becomes obsessed with resurrecting her through technology. This leads him to team up with lawyer Joseph Adama (Esai Morales) as Graystone uses his resources to create the Cylons.

Most of the sharp character development that made “Battlestar Galactica” so enjoyable is present in “Caprica,” albeit framed much differently. This is largely elevated by Stoltz and Morales’ central performances, with the story exploring the lengths they’ll go to in order to extinguish their grief. Unfortunately, the show’s look at the franchise’s early days were cut short, with the series canceled before it completed its broadcast run. And with the “Battlestar Galactica” reboot no longer in development at Peacock, the early “Caprica” cancellation continues to sting years later.

Terra Nova (2011)

Filmmaker Steven Spielberg teamed up with prolific “Star Trek” screenwriter and producer Brannon Braga for the 2011 Fox series “Terra Nova.” The show takes place in the 22nd century, with Earth suffering from overpopulation and degrading environmental conditions when a temporal rift is discovered. This leads to the creation of a colony on a parallel Earth during the planet’s Cretaceous Period, complete with the presence of dinosaurs. Former police officer Jim Shannon (Jason O’Mara) and his medical expert wife Elisabeth (Shelley Conn) are among the prominent colonists, joined by their three children.

While the “Terra Nova” ratings ticked up for its finale, the show was canceled by Fox after a single season. This was likely due to the series’ high price tag, particularly in bringing its time-bending world to life. To its credit, the show boasts a cinematic-level presentation, helping elevate the action. A survivalist tale that combines otherworldly colonization with dinosaurs — always a winning choice — “Terra Nova” provides ambitious thrills.

Almost Human (2013-14)

While Karl Urban has found incredible success starring on Prime Video’s “The Boys,” his first major starring role in an American television series was Fox’s “Almost Human.” Urban played John Kennex, a police detective in New Pittsburgh in the year 2048 who is paired with android partner Dorian (Michael Ealy). Together, the duo solved crimes around the city as Kennex recovered from a devastating gangland ambush that killed most of his squad and left him losing significant portions of his memory. Along the way, Dorian provided amusing observations about Kennex, often inadvertently deflating his normally gruff nature as the two learned to work together.

“Almost Human” was a sort of buddy-cop crime drama that really benefited from its two lead actors’ rapport. Urban and Ealy settled quickly into their good cop/bad cop archetypes while the case-of-the-week format was filled out well by the futuristic setting. New Pittsburgh was a future that alternated between bright and bleak, with the show demonstrating the wonders of advanced tech while emphasizing it as a catalyst for rampant crime. Lasting only a single season, “Almost Human” had a great cast and an interesting setting, but just couldn’t maintain high-enough ratings for the network.

Westworld (2016-22)

The classic ’70s sci-fi movie “Westworld” was adapted into a big-budget HBO original series in 2016, retaining writer Michael Crichton’s initial premise. The show takes place at an elaborate theme park created by Delos Inc., which recreates various historical periods for guests to live out their fantasies unfettered. Populating these regions are highly advanced synthetic beings who have their memories wiped regularly to welcome new sets of guests. However, the androids begin to not only retain their memories, but develop sentience, leading to a rebellion against their corporate masters.

“Westworld” really takes Crichton’s theme-park-gone-wild premise and uses it as a springboard for a more ambitious sci-fi story. The show asks heady existential questions about purpose and identity through its synthetic characters as they finally gain agency. This is all couched in between a mix of action that progresses from Western-tinged to something more distinctly sci-fi. Canceled amid negotiations for a fifth season, “Westworld” might not be as over as we thought as fans wait for a satisfying conclusion.

Altered Carbon (2018-20)

One of the most ambitious sci-fi series produced by Netflix was “Altered Carbon,” set in a thoroughly dystopian future. Humanity has found a way to outlast death, transferring their consciousness and memories into a device implanted into a new body when their current one expires. The show follows former soldier Takeshi Kovacs (Joel Kinnaman), who is tasked with investigating the murder of Laurens Bancroft (James Purefoy), one of the richest men in the world. The second season takes place 30 years later, with Kovacs now in a new body (played by Anthony Mackie) as he searches for his missing lover Quell Falconer (Renée Elise Goldsberry).

Based on the novel by Richard K. Morgan, “Altered Carbon” is one of Netflix’s most visually stunning series, with the streamer sparing no expense in adapting the sci-fi tale. Each season has a different mystery at its core, the second of which is particularly personal for Kovacs, keeping the audience invested, too. The change in lead actors and driving case helps keep the show fresh, maintaining the overarching world but changing up the energy behind it. Canceled after two seasons at Netflix, “Altered Carbon” was big-budget cyberpunk television done right.





This story originally appeared on TVLine

Why Rams 4 tight ends have become their secret weapon on offense

0


Logan Paulsen recognized the mastery, despite Sean McVay’s youth.

Jordan Reed immediately tapped into the positivity of the then-20-something assistant coach.

So the former NFL tight ends, who were tutored by McVay in Washington, are happy that the Rams’ ninth-year coach has utilized a quartet of tight ends this season — a sizable shift in an offense that has helped fuel a four-game winning streak entering Sunday’s game against the Seattle Seahawks at SoFi Stadium.

  • Share via

Gary Klein breaks down Sunday’s matchup between the Rams and the Seattle Seahawks at SoFi Stadium.

McVay is among coaches who recognize “how much of a matchup nightmare tight ends can be and how vital they are to an offense,” Reed said, “so it’s awesome to see the position grow.”

McVay was an offensive assistant in Washington for one season before he was elevated to tight ends coach in 2011, and then offensive coordinator in 2014.

“He was so young,” said Paulsen, who played in Washington from 2010 to 2015. “He never played tight end before, he didn’t have any background there … and here he comes as a quality-control guy with this level of mastery.

“And I think that just speaks to how special he was then, and how special he is now.”

McVay, 39, acknowledges that the Rams’ deployment of multiple tight ends harks to his start as an NFL position coach.

“This does bring back some good memories,” he said.

The Rams have scored at least 34 points in each of their past three games. All have featured at least one touchdown by a tight end — veteran Tyler Higbee, Davis Allen, Colby Parkinson and/or rookie Terrance Ferguson.

Sean McVay instructs players during training camp with Washington in July 2014.

Sean McVay instructs players during training camp with Washington in July 2014.

(Alex Brandon / Associated Press)

The group has thrived under tight ends coach Scott Huff, with plays designed by offensive coordinator Mike LaFleur and McVay, who doubles as the Rams’ playcaller.

“The only reason you can do it is because you have four players that are capable of doing it,” McVay said.

During McVay’s first eight seasons, the Rams’ offense operated almost exclusively out of 11 personnel, which featured a running back, a tight end and three receivers. But this season, McVay has used as many as three tight ends at a time for added blocking and receiving targets.

Higbee, Allen, Parkinson and Ferguson have combined for 50 catches and seven touchdowns.

“They all bring their own edge to the game,” quarterback Matthew Stafford said. “Their play style is relentless. I think of so many plays in games where guys are fighting that extra inch and those guys epitomize that.”

The tight ends are thrilled with their expanded role.

“The plate’s a lot fuller,” said Allen, who has three touchdown catches.

And all players are involved, Parkinson noted.

“You can see the joy on everyone’s faces, but especially this tight ends group,” he said. “It’s fun to be able to impact the game.”

Ferguson has provided the biggest wrinkle.

The Rams selected the former Oregon star with their first pick in the 2025 draft, and he impressed during offseason workouts. But a groin injury suffered during training camp slowed Ferguson’s development at one of the NFL’s most complicated positions.

On Oct. 19 in London, Ferguson showed his route-running and separation skills in a victory over the Jacksonville Jaguars. He has continued to evolve the past two games.

Rams tight end Terrance Ferguson catches a touchdown pass against the Jacksonville Jaguars in London on Oct. 19.

Rams tight end Terrance Ferguson catches a touchdown pass against the Jacksonville Jaguars in London on Oct. 19.

(Ian Walton / Associated Press)

“Just blessed that they have the trust to put me in those opportunities to showcase my athleticism, to be able to stretch the field and run some special routes and do some cool things,” said Ferguson, who trained with Paulsen before the draft.

Paulsen, who played eight NFL seasons, said McVay’s ability to create a “safe space” for players to learn exactly what he is looking for in a play was “freeing.”

“I know it sounds like he’s putting you in a box,” Paulsen said, “but when you know exactly what is expected of you, it’s easier for you to meet that expectation.”

While playing for McVay, Reed made the NFL All-Rookie team in 2013 and was voted to the Pro Bowl in 2016.

McVay’s “positivity,” his ability to make complicated concepts understandable and his knack for creating mismatches, helped fuel Reed’s development.

“He made you feel like you were the best,” Reed said. “That’s what it was like playing for him.”

Then and, apparently, now.

Rams tight ends said they always enjoy when McVay stops by their meeting room to “chop it up,” about their position.

“He’s always had a love for it,” Higbee said. “I know he misses it a little bit.”



This story originally appeared on LA Times

Portable mortgages explained: What they are and how they work

0


Federal Housing Finance Agency Director Bill Pulte said the government agency is “actively evaluating” portable mortgages, which would allow a homeowner to transfer their loan from their current home to a new home when they move.

With portable mortgages, the homeowner would effectively be able to keep their existing interest rate and terms instead of paying off the loan and getting a new one.

It’s a strategy designed to inject movement into a stagnant housing market.

Many homeowners and would-be buyers have remained on the sidelines because they are reluctant to trade their sub-3% mortgage rates for today’s loans hovering around 6.5%. 

Realtor.com senior economist Jake Krimmel told FOX Business that these types of mortgages aren’t compatible with the architecture of U.S. mortgage finance nor would they fix the broader affordability problems facing the housing market today if they were.

Krimmel called Pulte’s proposal “a brute-force attempt to ‘solve’ the lock-in effect.” 

When a typical homeowner moves today, they typically have to prepay their existing loan and take out a new one at prevailing rates.

Theoretically, Krimmel said that if that rate gap was the only thing holding back mobility, portable mortgages might unlock some activity and free up inventory.

However, Krimmel pointed to a May 2025 Federal Reserve report that revealed how the lock-in effect only explained about half of the recent decline in mobility. 

Federal Housing Finance Agency Director Bill Pulte said the government agency is “actively evaluating” portable mortgages, which could lead homeowners to transfer their loan from their current home to a new one when they move. PA Images via Getty Images

“It’s not clear portability would bring sales back to normal levels,” Krimmel said, adding that the benefits of a portable mortgage would also “be highly selective.” 

With portable mortgages, Krimmel said only current mortgage holders with low rates would benefit, while renters and homeowners without a mortgage would still face today’s rates.

But feasibility, he said, is the bigger issue.

“The U.S. mortgage system is built on securitization, where loans are pooled and priced based on the specific property backing them,” Krimmel said.

“Mortgages must be tied to the home where they originated, so investors can assess collateral risk.” 


A red "For Sale" sign on a black gate in front of a white house with a terracotta tile roof.
Portable mortgages would make it possible for homeowners to keep their current interest rate instead of getting a new one. AFP via Getty Images

If a mortgage became portable, the “collateral (and therefore the risk profile of the entire pool) would change midstream,” which would break the logic of securitization.

They would also throw off models used to predict how fast homeowners pay off their mortgage and how long those loans last, both of which are key to valuing mortgage-backed securities.

If moving no longer requires buyers to pay their current mortgage, the duration of these loans “would extend sharply and unpredictably,” according to Krimmel. Investors would therefore demand higher compensation for that extension risk, which would push “mortgage rates higher, first abruptly and then structurally through wider spreads over the 10-year Treasury.” 

The issues extend beyond that too. For instance, Krimmel said origination and servicing would become far more complex because the lien, escrow, taxes and title obligations all depend on the specific property.

“Overall, portable mortgages might seem like a good way to mitigate the lock-in effect – a niche issue unique to current market conditions; but widespread implementation would introduce thorny technical problems and significant unintended consequences – many of them worse than the issue they’re trying to solve,” he said.



This story originally appeared on NYPost

The BBC’s shameful edit and more: Letters

0

Shame on the BBC

I was born and raised in the United Kingdom when everyone had complete faith and trust in the BBC as an impartial broadcaster. Sadly, I have witnessed its decline into a mouthpiece for the left (“Edited out at BBC,” Nov. 10).

The old guard was replaced by a younger generation that has no qualms in pushing its own views on the public. The time has come to stop its public funding in the same way President Trump is withdrawing funds from PBS and NPR.

Ephraim Aminoff

Great Neck

In-flight disservice

I am rooting for Matias Ferreira to win his lawsuit against Delta and the ignorant staff member who ousted him from the exit row seat (“Airing grievance,” Nov. 11).

What a disservice to all our brave veterans. Any of us would choose to call on Ferreira should there be an emergency. Going forward, I will not choose to fly Delta. Their staff are no more equipped to assist, except to show us how to use an oxygen mask, than they are to save anyone. Thank you, Mr. Ferreira for your service and bravery.

Donna Skjeveland

Holbrook

The real ‘fascists’

UC Berkeley protesters ironically tried to shut down free speech while shouting “fascist” at others (“Antifa swarms TPUSA,” Nov. 12).

Rather than foster a dialogue inside, they resorted to violence outside to prevent people from participating in discourse. That act is the definition of fascism.

The violent protesters need to do more than take a simple look in the mirror and go brush up on real history. Then they can go pick up a mic and debate. Once upon a time, Berkeley was known for that.

Deirdre Harvey

Valley Stream

Drug-use dangers

Naomi Schaefer Riley hit the nail on the head with her article about the danger of destigmatizing drug use (“Up in smoke,” Postscript, Nov. 9)

I’m a recovery advocate and own a small sober-living home for ladies in Bergen County. Last week was my 24-year sober anniversary, and Riley’s article was a gift. This destigmatizing trend, along with other well-meaning but ultimately harmful societal shifts, seem to be about money, not human lives.

Lisa Gladwell

River Edge, NJ

Gavin’s failures

Joel Pollak’s column on Gavin Newsom rightly holds the state’s Democratic leaders to account for their failures to assist in rebuilding fire-ravaged areas or implement proven, common-sense policies to help prevent future wildfires (“Gavin’s Victory Lap Leaves Cali Behind,” PostOpinion, Nov. 11).

But Newsom and his party’s failures go far beyond abandoning victims of the recent fires.

In fact, it is some of the constituencies that Democrats like to claim as their own which are bearing the heaviest burden from Newsom’s policies.

Issues like education, homelessness and poverty are the very problems Democrats claim the moral high ground on. Yet, on Newsom’s watch, every one has worsened, and the state he runs has some of the worst results in the country.

Jim Trageser

San Marcos, Calif.

Sub slinger let go

There are certainly good reasons to oppose Donald Trump’s xenophobic anti-immigration policies. But throwing something at an innocent federal agent is just as bad as assaulting a doctor who performs abortions if you don’t agree with abortion-on-demand (“Cold cut him a break,” Nov. 7).

John Francis-Fox

Sunnyside

Want to weigh in on today’s stories? Send your thoughts (along with your full name and city of residence) to letters@nypost.com. Letters are subject to editing for clarity, length, accuracy, and style.



This story originally appeared on NYPost

Ex-Fed Governor Kugler quit after more trading violations

0

Former Federal Reserve Governor Adriana Kugler abruptly resigned after Chair Jerome Powell refused to grant her a waiver to address financial holdings that ran afoul of the central bank’s ethics rules, according to a Fed official.

Kugler also faced a probe by the Fed’s internal watchdog related to her recent financial disclosures before stepping down in August, according to a document released Saturday.

Fed ethics officials declined to certify Kugler’s latest disclosures, which were posted on the website of the Office of Government Ethics, and referred the matter to the board’s inspector general, the document showed. The OGE also declined to certify Kugler’s newly released disclosures.

The disclosures revealed details related to financial activity that violated the Fed’s internal ethics rules.

Kugler announced on Aug. 1 that she would resign effective Aug. 8, without citing a reason and after she missed the central bank’s July 29-30 policy meeting. At the time, the Fed said her absence from the meeting was due to a “personal matter.”

Ahead of that meeting, Kugler sought permission to conduct financial transactions to address what the Fed official described as impermissible financial holdings. It wasn’t immediately clear which holdings were involved in that request.

According to the official, Kugler asked for a waiver to rules requiring top Fed officials to obtain clearance before conducting certain financial transactions and prohibiting them from trading during so-called blackout periods that straddle their policy meetings. Powell denied the request.

Kugler’s resignation gave President Donald Trump an earlier-than-expected opportunity to fill a slot on the Fed’s board in the midst of his intense pressure campaign urging policymakers to drastically lower interest rates. The opening ultimately went to Trump ally Stephen Miran, who took an unpaid leave of absence from his post as a White House economic adviser and has called repeatedly for rapid rate cuts.

Prohibited Trades

The newly released documents revealed previously undisclosed trading in individual stocks in 2024, which is prohibited for Fed officials and their immediate family members, including Materialise NV, Southwest Airlines, Cava Group, Apple Inc. and Caterpillar.

Some of the prohibited trades also represented violations for having been executed during blackout periods straddling each policy meeting during which no transactions are allowed.

That included the purchase of Cava shares on March 13, 2024, days ahead of a March 19-20 meeting and the sale of Southwest shares on April 29, 2024, on the eve of the Fed’s April 30-May 1 gathering. The disclosure also lists several fund transactions that fell within blackout periods. 

A footnote connected to the Jan. 2, 2024, sale of Materialise NV shares read: “Consistent with her September 15, 2024, disclosure, certain trading activity was carried out by Dr. Kugler’s spouse, without Dr. Kugler’s knowledge and she affirms that her spouse did not intend to violate any rules or policies.”

Kugler, who was appointed to the Fed in September 2023 by President Joe Biden, declined to comment.

Financial Disclosure

In the disclosure released Saturday, Fed ethics official Sean Croston said, “Consistent with our standard practices and policies, matters related to this disclosure were referred earlier this year by the Board’s Ethics Office to the independent Office of Inspector General for the Board of Governors of the Federal Reserve System.”

The financial disclosure, which was submitted roughly a month after Kugler’s departure, covered calendar years 2024 and 2025 through her resignation. Top Fed officials are required to submit disclosures annually and after leaving the central bank, and to report periodic financial transactions. 

“Earlier this year we received a referral from the Board’s Ethics Section regarding certain matters related to this filing,” a spokesperson for the Fed’s Office of Inspector General said in a statement. “We have opened an investigation and, consistent with our practice, we are unable to comment further until our investigation is closed.”

Previous Violations

In previously released, periodic financial disclosures during 2024, Kugler acknowledged that she had run afoul of Fed investment and trading rules when her spouse completed four purchases of shares of Apple and Cava. 

Those trades violated the central bank’s rules that limit how senior Fed officials, their spouses and minor children invest and trade. 

Kugler said her spouse made the purchases without her knowledge. The shares were later divested and Kugler was deemed in compliance with applicable laws and regulations by the Fed’s designated ethics official, according to the disclosures.

Powell introduced tougher restrictions on investing and trading for policymakers and senior staff at the central bank in 2022. That followed revelations of unusual trading activity during 2020 by several senior officials.

Boston Fed President Eric Rosengren and Dallas Fed chief Robert Kaplan each announced their early retirement after the revelations, with Rosengren citing ill health. The Fed’s internal watchdog ultimately cleared the pair of legal wrongdoing, but chastised them for undermining public confidence in the central bank.

The new rules, which the Fed said at the time were aimed at supporting the public’s confidence in the impartiality and integrity of policymakers, boosted financial disclosure requirements, among other measures.

Senator Elizabeth Warren, a Democrat from Massachusetts who has long called for stricter ethics rules at the central bank, released a statement on Saturday calling for bipartisan legislation “to make the Fed more transparent and accountable.”



This story originally appeared on Fortune

A New Standard of Luxury

0


Classy. This is the word you will say over and over again to describe your Conrad Tulum Resort experience.

Enter through the resort’s massive hand-carved doors and catch your first glimpse of the Caribbean Sea. You are struck by the richness of the wood displayed in the doors, the front desk, and the furniture in the open-air lobby. You learn the wood is called Tzalam, native to the Yucatan, and is one of the most exotic timbers in the world.

As you converse with the team at the front desk and then are escorted to your suite, you discover that the engaging personalities of the first three Conrad Tulum team members aren’t a one-and-done. The natives of this Yucatan region exude a Mayan spirit that is welcoming and conscientious. These charming personal ingredients translate into a guest stay that is simply enchanting.

Accommodation Sensation

Classy. Your accommodation “wow” first impression comes when the door to your suite opens, and you are introduced to the Caribbean Sea for the second time in five minutes. An ocean view never gets old, and the recurring water images found at the Conrad Tulum will feed that need tenfold.

Special touches are sprinkled throughout your suite. The word “welcome” is spelled out on the foot of your bed. Paintings from local artisans grace the wall. The espresso coffee machine is primed and ready to go.

There is more of the signature Tzalam wood threaded throughout the finishes in your suite, and the bathroom features his and her sinks. The Conrad Tulum ambassador who walked you to your guestroom points out that your shower window opens to a … you guessed it, an ocean view. Step outside to your balcony and discover a private plunge pool.

Contemporary fine-dining restaurant with sculptural ceiling design, marble tables, warm wood seating, and soft ambient lighting.

Restaurants Galore

Classy. Foodies will be delighted when they discover that the Conrad Tulum has 11 restaurants and bars. Dining specialties include Asian, Japanese, Mediterranean, seafood, and Michelin-award-winning Mexican. There is a good chance that your vacation may align with one of the culinary special events offered throughout the year.

The mission of these restaurants is to celebrate flavors that bring people together. Each of the resort’s dining venues delivers a unique vibe, and the plethora of entrée choices will stir your soul.

The resort’s emphasis on architectural flair continues at these aesthetically unique restaurants. Accents include a tunnel of bamboo, water cascades, and natural stone that is distinctive to the Yucatan.

Serene spa relaxation lounge with circular skylight, stone walls, and comfortable reclining chairs surrounding a central water feature.Serene spa relaxation lounge with circular skylight, stone walls, and comfortable reclining chairs surrounding a central water feature.

Ocean Therapy

Classy. The Conrad Tulum is home to a private white sand beach and five pools. Each pool has easy access to a palapa restaurant to serve your every food and beverage desire.

For those who wish to take relaxation to another level, the Conrad Spa offers wellness to the sky and back. The indoor-outdoor fusion the resort is known for is front and center at this calming spa that pays homage to the region’s cenotes.

The spa has a spherical opening that allows rainwater in. Guests move through the spa on wooden planks and look up to a blue sky opening. The textures woven in the massage areas also feature the Tzalam wood. The floor-to-ceiling windows open to nature but still provide privacy.

Golfer taking a swing on a lush oceanside golf course surrounded by palm trees and blue skies.Golfer taking a swing on a lush oceanside golf course surrounded by palm trees and blue skies.

A Paradise Awaits

Classy. Conrad Tulum’s concierge team is on hand for guests wishing to explore and discover what the mystical region surrounding the resort has to offer. Options include archeology, nature, yachting, wine, and championship golf.

The city of Tulum is a favorite for archeology buffs with its pyramid-shaped temple and surrounding ruins. This archeological site is perched high on a cliff and overlooks a breathtaking view of the Caribbean Sea. You may also enjoy Tulum by sea via The Yachting Experience. Your journey includes a chef, a mixologist, snorkeling gear, and paddleboards. Golfers will thrill to playing the Robert Trent Jones Jr.-designed PGA Riviera Maya Golf Course. Your 18-hole round features extraordinary course conditions, cenotes, and tropical wildlife.

For the guest whose top vacation priority is a rejuvenating vacation elevated by beautiful ocean views… Conrad Tulum Resort will not disappoint. The prophetic note you received on your first day said it all: Welcome to our sanctuary of wonders. On your last day, you reflect on the resort, the food, the experiences, the service, and think, “Conrad Tulum Resort. Classy.” https://conradtulumrivieramaya.com/



This story originally appeared on Upscalelivingmag

It takes nerves of steel to buy growth stocks right now! Here’s what I’m doing

0


Image source: Getty Images

It’s often the case that growth stocks get hit hardest when share prices fall sharply. And that’s been the case recently with the rising concern around artificial intelligence (AI) valuations. 

Not every stock that’s down is an opportunity. But some of them are, and I think there’s a real chance for investors who can figure out the difference. 

Falling knives

AI is clearly changing a lot for companies in the tech sector. And in a lot of cases, it’s making share prices go down as investors see threats to what looked like promising companies. 

One example is Duolingo (NASDAQ:DUOL). The stock is down 66% in the last six months, because investors are concerned about the threat of AI-enabled competitors.

The firm doesn’t look like going bust. But the stock was trading at a price-to-earnings (P/E) ratio of 268 a year ago, which implies huge growth that now looks less likely to materialise.

At a P/E ratio of 23, the stock looks more reasonable, but a discounted share price isn’t always an opportunity. Investors who need reminding can look at Peloton‘s performance over the last five years.

In other words, piling into stocks just because they’re down isn’t always a good plan. In a lot of cases, they’ve been falling because there’s a real chance their growth prospects are lower. 

This, however, isn’t always the case. The market is well capable of overestimating the threats a company is facing and when it does, there can be outstanding opportunities for investors.

Opportunities

Interestingly, I think some of the most attractive growth opportunities right now might be closer to home. FTSE 250 housebuilder Vistry (LSE:VTY) is one example.

After a series of profit warnings connected with internal costing errors, the stock is down 55% from where it was 15 months ago. But things should be starting to look up for the company.

The accountancy issues are likely to impact profits, but the effect should wear off by the end of 2026. And I’m not convinced this is being reflected in the share price.

Vistry has a different business model from most housebuilders. Rather than building by itself, it works with partners such as local authorities and housing associations. 

The risk with this is that it involves extra relationships that can potentially become strained. But the advantage is that it makes the company much more efficient than other builders.

With the effects of the recent problems starting to wear off, but the stock still some way from where it was, I think this is an opportunity. That’s why I’ve been adding to my investment.

Being brave

It takes courage to buy a stock that has been falling sharply. It’s a sign investors think there’s a problem with the underlying business and there’s rarely smoke without fire.

Sometimes, though, the fire isn’t as bad as the market thinks it is. In those situations, investors who know what they’re looking for can find outstanding opportunities. 

There’s always a risk of catching the next Peloton. But while Vistry has had big problems recently, I think these are coming to an end and this makes the share price a bargain.



This story originally appeared on Motley Fool