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y-jesus WEST PALM BEACH, Fla. — An online spat between factions of Donald Trump's supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump's movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump's Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer's comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar." Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry's need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump's world and what his political movement stands for. Trump has not yet weighed in on the rift. His presidential transition team did not respond to questions about positions on visas for highly skilled workers or the debate between his supporters online. Instead, his team instead sent a link to a post on X by longtime adviser and immigration hard-liner Stephen Miller that was a transcript of a speech Trump gave in 2020 at Mount Rushmore in which he praised figures and moments from American history. Musk, the world's richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump's movement but his stance on the tech industry's hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry's need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent," he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Trump's own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump's businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country" and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country," he told the “All-In" podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump's budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.LANDOVER, Md. (AP) — The ball bounced through KaVonte Turpin's legs and stopped at the 1-yard line. He picked it up, made a spin move and was off to the races. Turpin's 99-yard kickoff return touchdown was the highlight of the Dallas Cowboys' 34-26 win at Washington on Sunday that ended their losing streak at five. That came with just under three minutes left, and then Juanyeh Thomas returned an onside kick for a TD to provide a little happiness in the middle of a lost season. "Feels good to win," coach Mike McCarthy said. “It’s been a minute.” Chauncey Golston ripping the ball out of Brian Robinson Jr.'s hands for what counted as an interception of Commanders rookie quarterback Jayden Daniels and Donovan Wilson forcing a fumble of John Bates earlier in the game helped put the Cowboys in position to make it a game, as did the play of Cooper Rush. Turpin's monster return after initially muffing the retrieval had everyone buzzing. "He did that for timing," McCarthy said. “That was part of the plan. He’s a special young man. Obviously a huge play for us.” Commanders safety Jeremy Reaves, the All-Pro special teams selection two seasons ago, was the first one down the field and blamed himself for not tackling Turpin when he had the chance. “I’ve made that play 100 times,” Reaves said. “I didn’t make it today, and it cost us the game.” Turpin's spin move will likely be replayed over and over — and not stopped by many. Receiver CeeDee Lamb called it “his escape move” because Turpin has been showing it off in practice. “I know I can just get them going one way and then spin back the other way,” Turpin said. "That’s just one of my moves when I’m in trouble and I've got nowhere to go: something nobody ever seen before.” In a wacky finish that McCarthy likened to a game of Yahtzee, Thomas' return was almost as unexpected. It came with 14 seconds left after Washington kicker Austin Seibert missed the extra point following Daniels' 86-yard touchdown pass to Terry McLaurin to leave Dallas up 27-26. “I kind of waited a second and I was like: ‘Should I try? Should I try?’” Thomas said. “I said, ‘I think I’m gonna score the ball,’ so just ran and I scored.” The Cowboys' playoff odds are still incredibly long at 4-7, but with the New York Giants coming to town next for the traditional Thanksgiving Day game at Dallas, players are willing to dream after winning for the first time since Oct. 6. “Lot of games left,” said Rush, who threw two TD passes. “Pretty insane. ... I think both sides of the ball and special teams picked each other up all game. I think it was a full team effort. Finally picking each other up like we’re supposed to.” AP NFL: https://apnews.com/hub/nfl

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PHILADELPHIA (AP) — The guy on the Philly sports talk radio station had something to say, and he started to vent about the perceived strained relationship between star quarterback Jalen Hurts and standout wide receiver A.J. Brown. Why weren’t these two Pro Bowl Eagles on the same page? Why had their personal and professional relationship changed even with Philadelphia enjoying tremendous success? It was football gossip usually ripe for a hot-take host or fed-up fan to stir up on the air — only in this instance, the temperature check came from inside the locker room. Normally respected team leader Brandon Graham, who is sidelined with a triceps injury, noted in a radio appearance that “ ” between Hurts and Brown in the wake of a in last week’s win over Carolina. An apologetic Graham walked back his comments. Hurts and Brown both insisted their relationship was cool in front of media hordes more appropriate for the Super Bowl. As for the rest of the Eagles, they were ready to squash the so-called controversy. “We are moving on,” offensive lineman and Jordan Mailata said. “It is the Pittsburgh Steelers this week. Not the A.J. Brown and Jalen Show. It is the Pittsburgh Steelers. That’s it.” Oh yeah, the Steelers! Lost in the brouhaha ignited in a Philly sports bar is the fact that sitting — and winning — on the western side of Pennsylvania are the Steelers (10-3). Unlike most matchups in series history, this one Sunday at the Linc comes with the tantalizing appeal of a potential Super Bowl preview. The Steelers have won seven of eight, and the Eagles (11-2) have won nine straight and could clinch the NFC East with a win and a Washington loss or tie. It’s the first time the teams — among the original eight NFL teams — will play each other when they both have a double-digit win total. Both teams are in strong position for a playoff run — the Eagles led by and his pursuit of Eric Dickerson’s NFL season rushing record; Russell Wilson and the atop the AFC North in large part thanks to six wins against teams that currently have losing records. “I do like playing really good people, I think there’s growth in it,” Steelers coach Mike Tomlin said. “You’ve got to get the job done. But man, I think there’s significant growth in pitting your collective talents and skills versus big-time opponents and they’re certainly that.” Will the drama out of Philly this week affect the Eagles? They certainly don’t think so and neither do the oddsmakers — the Eagles are 5 1/2-point favorites, per BetMGM. “What I’ve noticed about this football team is they’re so locked in and determined to get better each day,” Eagles coach Nick Sirianni said. “We don’t really want anyone else talking to us about anything other than the Pittsburgh Steelers.” Good luck with that, Coach. Maybe playing the Steelers on Sunday at home can snap the Eagles out of their offensive malaise. Hurts threw three TD passes to Brown in a 35-13 win in 2022. Barkley watch Barkley in rushing with 1,623 yards, 216 yards ahead of Baltimore’s Derrick Henry. He is averaging 124.8 yards per game. At that pace, and with one more game to play than Dickerson had, he would become the top single-season rusher in NFL history. He needs 483 yards over the final four games to top Dickerson’s 40-year-old record. Barkley is on pace for 2,122 yards, which would put him just 17 yards beyond Dickerson’s 2,105 in 1984. Barkley doesn’t need much of a reminder from his 2020 performance when, while playing for the New York Giants, he ran into a Pittsburgh defense that seemed reminiscent of its famed Steel Curtain. The Steelers held Barkley to 6 yards on 15 carries. Bye, George The Steelers will have to find a way forward against the NFL’s toughest defense without wide receiver George Pickens, who will miss his second straight game with a hamstring injury. Pittsburgh survived last week against Cleveland, with Mike Williams and Scotty Miller — afterthoughts of late — coming off the bench to make an impact. While Tomlin believes “the strength of the pack is the pack,” the reality is the Steelers don’t have anyone who can stretch the field like Pickens, who leads the team in receptions (55) and yards (850) by a wide margin. It’s a challenge, but considering the way Wilson has spread the ball around — eight players caught passes against the Browns — he won’t lack for options. “Everybody in the receiver room has a different skill set, different strengths,” Calvin Austin III said. “The coaching staff knows that and they know how to put us in position to be able to show that.” Playoff preview The cross-state trip to Philadelphia, where the Steelers haven’t won in nearly 60 years, is the start of an 11-day stretch in which Pittsburgh faces three teams likely bound for the playoffs. While Tomlin is leaning into the “nameless, gray faces” mantra he uses for every opponent, his players know facing the Eagles, Ravens and Chiefs in such a short period is a litmus test for what’s to come in January. “That’s why I’m in the league, period,” linebacker Patrick Queen said. “When you sign up to play football, you want to play at the highest level. ... I love to play the game the right way. I think these next few games is going to show that and it starts with the Eagles.” ___ AP NFL:Cousins Properties Announces Pricing of Senior Notes Offering

Polls close in Uruguay’s election, with ruling coalition and opposition headed for photo finish

*Warning - This article contains spoilers for the Waitrose Christmas Advert* The second instalment of Waitrose's Christmas advert, Sweet Suspicion: A Waitrose Mystery, has finally been released, revealing the identity of the thief that had viewers guessing for weeks. The initial advert which was launched in early November, featured the No. 1 Red Velvet Bauble Dessert being stolen by an unidentified culprit. The mystery surrounding the identity of the thief has kept viewers captivated for weeks, making it Waitrose's most successful Christmas campaign to date. According to polls on Waitrose's website, the majority of customers suspected Fig the Cat as the dessert thief, followed by Gamma, then May, with Steve being the least suspicious, reports the Daily Record . Waitrose has now unveiled the second ad, which sees Matthew Macfadyen return as the detective. The latest video follows him as he tries to establish a motive, featuring glimpses from Christmas Day as the movements of the guilty party are reconstructed. The second advert premiered on TV tonight (November 26) during the commercial break for the Great British Bake Off on Channel 4 at 8.15pm, and will be shown again during the I'm A Celebrity...Get Me Out Of Here! break on ITV at 9.15pm. Nathan Ansell, Customer Director at Waitrose, has commented on the impact of their Christmas campaign, noting: "The last few weeks have been filled with suspicion, guessing and alibis. Customers and Partners alike have been getting into the whodunit spirit, from wearing the ad t-shirts in store with their predictions of who the culprit is, we've also seen huge engagement on social media polls and I've even had customers getting in touch with their own detailed theories and pictures." Ansell went on to express his anticipation for the reveal, saying: "I can't wait for everyone to find out who did it! So here's to celebrating with some amazing GOOD food and seeing the surprise or smug looks on everyone's faces." Fans can hear Actor Matthew Mcfadyen talking abou thte Waitrose Christmas ad as he joins Nick Grimshaw and Angela Hartnett on the beloved and award-winning foodie podcast Dish from Waitrose, which is out on Wednesday, November 27.Special teams bungles dominate NFL, with Commanders and Cowboys leading the way

John Munn: What’s coming nextATLANTA — The U.S. government’s premier research body has made an important discovery that could help create new drugs to lower “bad” cholesterol, and hopefully prevent heart attacks and stroke. But the interesting part of that story isn’t just the discovery itself, but the technology responsible for it: a relatively new type of microscope that essentially froze LDL cholesterol molecules, allowing researchers for the first time to get a detailed view of the structure of LDL and find new ways to approach stopping LDL buildup into body. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get the latest news, sports, weather and more delivered right to your inbox.

RICHMOND, Va.--(BUSINESS WIRE)--Dec 12, 2024-- The Board of Directors of NewMarket Corporation (NYSE: NEU) (the “Company”) approved a new share repurchase program authorizing management to repurchase up to $500 million of the Company’s outstanding common stock through December 31, 2027, as market conditions warrant and covenants under the Company’s existing debt agreements permit. The new repurchase program will replace the Company’s existing $500 million repurchase program approved by the Board of Directors in October 2021, which will expire on December 31, 2024. Under the new program, the Company may conduct share repurchases in the open market, in privately negotiated transactions, through block trades or pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934. The new program does not require the Company to acquire any specific number of shares and may be terminated or suspended at any time. NewMarket Corporation is a holding company operating through its subsidiaries Afton Chemical Corporation (Afton), Ethyl Corporation (Ethyl), and American Pacific Corporation (AMPAC). The Afton and Ethyl companies develop, manufacture, blend, and deliver chemical additives that enhance the performance of petroleum products. AMPAC is a manufacturer of specialty materials primarily used in solid rocket motors for the aerospace and defense industries. The NewMarket family of companies has a long-term commitment to its people, to safety, to providing innovative solutions for its customers, and to making the world a better place. Some of the information contained in this press release constitutes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Although NewMarket’s management believes its expectations are based on reasonable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results will not differ materially from expectations. Factors that could cause actual results to differ materially from expectations include, but are not limited to, the availability of raw materials and distribution systems; disruptions at production facilities, including single-sourced facilities; hazards common to chemical businesses; the ability to respond effectively to technological changes in our industries; failure to protect our intellectual property rights; sudden, sharp, or prolonged raw material price increases; competition from other manufacturers; current and future governmental regulations; the loss of significant customers; termination or changes to contracts with contractors and subcontractors of the U.S. government or directly with the U.S. government; failure to attract and retain a highly-qualified workforce; an information technology system failure or security breach; the occurrence or threat of extraordinary events, including natural disasters, terrorist attacks, wars and health-related epidemics; risks related to operating outside of the United States; political, economic, and regulatory factors concerning our products; the impact of substantial indebtedness on our operational and financial flexibility; the impact of fluctuations in foreign exchange rates; resolution of environmental liabilities or legal proceedings; limitation of our insurance coverage; our inability to realize expected benefits from investment in our infrastructure or from acquisitions, or our inability to successfully integrate acquisitions into our business; the underperformance of our pension assets resulting in additional cash contributions to our pension plans; and other factors detailed from time to time in the reports that NewMarket files with the Securities and Exchange Commission, including the risk factors in Part I, Item 1A. “Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2023 and Part II, Item 1A. “Risk Factors” of our Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2024, which are available to shareholders at www.newmarket.com . You should keep in mind that any forward-looking statement made by NewMarket in the foregoing discussion speaks only as of the date on which such forward-looking statement is made. New risks and uncertainties arise from time to time, and it is impossible for us to predict these events or how they may affect the Company. We have no duty to, and do not intend to, update or revise the forward-looking statements in this discussion after the date hereof, except as may be required by law. In light of these risks and uncertainties, you should keep in mind that the events described in any forward-looking statement made in this discussion, or elsewhere, might not occur. View source version on businesswire.com : https://www.businesswire.com/news/home/20241210821417/en/ CONTACT: FOR INVESTOR INFORMATION CONTACT: William J. Skrobacz Investor Relations Phone: 804.788.5555 Fax: 804.788.5688 Email: investorrelations@newmarket.com KEYWORD: VIRGINIA UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: CHEMICALS/PLASTICS ENERGY MANUFACTURING OIL/GAS SOURCE: NewMarket Corporation Copyright Business Wire 2024. PUB: 12/12/2024 05:01 PM/DISC: 12/12/2024 05:02 PM http://www.businesswire.com/news/home/20241210821417/en

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North Dakota regulators OK underground storage for proposed Midwest carbon dioxide pipelineMakiyaya sun nemi daukin gwamnati a Kano

Stock market today: Wall Street slips as the 'Magnificent 7' weighs down the market

UK, US, EU Authorities Gather in San Francisco to Discuss AI SafetyBaramulla, Nov 22: In a significant development towards improving the public health care sector in Baramulla, the District Administration Baramulla has signed a Memorandum of Understanding (MoU) with the National Hydroelectric Power Corporation (NHPC). This collaboration, under NHPC’s Corporate Social Responsibility (CSR) initiative, aims to enhance healthcare facilities in the district by funding and implementing key projects in the health sector. Deputy Commissioner Baramulla, Minga Sherpa, Chief Planning Officer Javaid Ahmad, and officers from NHPC, including Om Prakash, Group General Manager; K Vaidheeswaran, GM (CSR); RS Choudhary, GSM (CSR); and Keshav Prakash, Engineer (CSR) were present during the MoU signing ceremony. As part of this agreement, NHPC has committed to fully funding key projects that address pressing healthcare needs in Baramulla. Among the initiatives is the installation of a high-capacity DG set at the PHC Mohura, ensuring uninterrupted power supply and enabling round-the-clock medical services. Another vital project under this collaboration is the provision of a state-of-the-art 4×4 ambulance for the Primary Health Centre in Boniyar. This vehicle, equipped to navigate the district’s challenging terrain, will ensure timely medical assistance in remote and hilly areas, improving emergency response times and saving lives. Additionally, the partnership includes the establishment of a fully equipped dialysis centre at the Government Medical College in Baramulla. This facility will cater to the needs of patients suffering from kidney ailments, eliminating the need for long-distance travel to access specialized treatment. Speaking during the ceremony, the DC expressed his appreciation for NHPC’s proactive role in enhancing the district’s healthcare infrastructure and highlighted the importance of such collaborative efforts in addressing healthcare challenges in shared commitment to improving healthcare facilities in Baramulla.

The year 2024 has been one of uncertainty. The world has endured several surprise wars, a jittery economy, and an indecisive Federal Reserve. Headlines wavered between impending doom and potential boon. Our two presidential candidates espoused divergent visions of our country’s future. Even fundamental economic principles, such as the relationship between growth and inflation, were called into question. The year also brought some good news — at least for investors. As of Dec. 10, the S&P 500 was up over 28 percent in 2024. Meanwhile, the tech-heavy NASDAQ grew 33 percent and the Dow Jones gained 17 percent for the year. While investor rationale is up for debate, the bottom line is simple. Investors who remained disciplined were rewarded handsomely. Those who avoided markets missed out. Investors should apply similar discipline this tax season. My recent election article explains that it is difficult to predict future legislative changes. Fortunately, there are various tried-and-true tax planning tips available in any environment. Some are even tailored specifically for today’s political climate. The following six tax planning strategies are worth discussing with a financial advisor, accountant, and/or attorney. Note that certain strategies are complex and require personalized guidance. Tax-loss harvesting Tax-loss harvesting is an age-old tax management strategy for investors. The practice involves selling losing investments in taxable accounts, booking the losses, and purchasing replacement securities.[1] The losses can offset capital gains and/or up to $3,000 in ordinary income each year. Losses are hard to come by in stock portfolios this year. However, investors may still have unrealized losses in their bond portfolios following the Fed’s rapid interest rate campaign. Investors should review their taxable accounts for any unrealized losses before year-end. Optimize asset location The first step in portfolio design is asset allocation. This is where the investor selects a desired balance between stocks, bonds, cash and other investments. The final mix determines the risk and return profile for a given portfolio. The next step is asset location. This involves positioning assets where they receive the most favorable tax treatment. Different investments trigger different tax events: bonds generate regular interest, stocks pay periodic dividends, REITs distribute recurring income, and mutual funds make annual capital gains distributions. Each event’s tax treatment depends on the type of account holding the asset. Investors should coordinate their holdings with the appropriate account type. It is generally prudent to hold high-tax assets, such as REITs and certain bonds, in IRAs and 401(k)s. Investors can then concentrate tax-efficient assets, like municipal bonds and certain growth stocks, in their taxable accounts. Tax-advantaged accounts One of the easiest tax-planning strategies is to optimize tax-advantaged accounts. These include 401(k)s, IRAs, HSAs, and others. Readers should first confirm whether they are utilizing their company benefit plans. This can be accomplished with a simple trip to their HR departments. Benefits packages change every year, and many forgo important tax savings opportunities without realizing it. Readers should also maximize their contributions to these accounts wherever possible. See BaldwinClarke’s 2024 Tax Overview for the current contribution limits and income thresholds. Evaluate Roth conversions Roth conversions are a common long-term tax planning strategy. The process involves transferring funds from a tax-deferred retirement account, such as a Traditional IRA or 401(k) Plan, to a Roth IRA. Individuals owe income taxes on any amounts converted. However, future withdrawals from the Roth IRA are tax-free if certain conditions are met.[2] The chief advantage is flexibility. Someone with major one-time spending goals, such as a vacation home or a new car, can access large sums of money tax-free from a Roth IRA in retirement. Withdrawals from a Traditional IRA or 401(k) Plan are otherwise fully taxable. Roth conversions can also result in real tax savings. Our progressive tax system means that high earners pay higher tax rates than low earners. Using the previous example, an individual funding large expenses from a Traditional IRA or 401(k) plan risks temporarily spiking his or her tax bracket. This problem can be mitigated or avoided entirely with Roth conversions. A growing national deficit makes Roth conversions even more compelling. Many speculate that tax rates will rise in the future to cover our nation’s growing deficit. Those that pay their taxes now may benefit from today’s historically low tax rates. Charitable contributions Charitable contributions can be deducted against your taxable income for the current year. These deductions are particularly beneficial for high earners. Charitable deduction limits depend upon the charity classification, gift type, and income level for the taxpayer. Public charities, such as churches and schools, allow a taxpayer to deduct up to 50 percent of their adjusted gross income (AGI) for the current year. The limit rises to 60 percent of AGI if the taxpayer donates liquid cash to the charity. The limits are lower for private charities, such as foundations and fraternal orders. Unused deductions can generally be carried forward for up to five years. An experienced advisor can optimize charitable gifting strategies by evaluating both the type of charity and the timing of the contribution. As mentioned, certain charity types provide enhanced tax benefits. Similarly, certain life stages offer greater savings opportunities, such as years when a taxpayer’s income is unusually high. Estate tax mitigation Federal laws currently allow individuals to transfer up to $13.61 million to heirs without estate taxes. This exemption doubles to $27.22 million for married couples.[3] Moreover, individuals can give up to $18,000 per beneficiary annually without gift taxes. These laws create a very favorable estate planning environment for proactive people. The current estate tax exemption is both historically high and subject to change. Heirs can thank the Tax Cuts and Jobs Act of 2017 for enacting these limits. However, this bill’s provisions are set to expire on Dec. 31, 2025. Before this date, Congress will decide whether to extend the exemption, make it permanent, or impose new limits entirely. The exemption will fall to the previous limit of $5.6 million per individual if no action is taken. Fortunately, the annual gift tax exclusion is not expected to change anytime soon. A simple strategy involves making outright lifetime gifts of cash, property, and other assets to heirs. This option is attractive for anybody with disposable assets, dependent family members, and/or long-term bequest goals. It is also likely to survive potential tax reform. Complex strategies leverage the estate tax exemption using irrevocable trusts. The full scope of these techniques falls beyond the purpose of this article. Readers are encouraged to contact their advisor or attorney for individualized guidance. Philanthropic individuals might also consider certain charitable transfer strategies to further shelter assets from estate taxes. Proactive, not reactive Concerns over potential tax changes are nothing new. In fact, it was only three years ago that the newly elected Biden administration announced plans to raise capital gains taxes for high earners. The proposal stalled in Washington and ultimately failed. Taxpayers who sold assets preemptively faced regret. Readers should act on knowns rather than unknowns. Potential tax changes rely on a host of factors beyond any taxpayer’s control. It is critical to remain discerning and pragmatic in today’s inflammatory political environment. Bryce Schuler is a certified financial planner at BaldwinClarke in Bedford. He and his team specialize in serving successful families, business owners, and organizations throughout New England. [1] Investors may replace the losing investments with similar, but not identical, investments to maintain the desired portfolio allocation. This step is crucial to avoid violating the IRS’s “wash-sale” rule. [2] Roth withdrawals must meet certain conditions to be fully tax-free. The Roth account typically must be open and funded for at least five years. In addition, the account holder must be age 59.5 or older at the time of the distribution or meet certain exceptions (e.g., death, disability, first-time home purchase). [3] The estate and gift tax exemptions referenced in this article reflect 2024 rules.