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Happy New Year 2025 Celebration: Not everyone celebrates New Year on January 1. Here's list of regions and religions with different dates for new yearsTuesday, December 24, 2024 The global business travel insurance market, which was valued at $3.61 billion in 2020, is forecast to reach $20.19 billion by 2030. This growth represents a compound annual growth rate (CAGR) of 19.2% from 2021 to 2030, according to a new market analysis report by Allied Market Research. The market expansion is driven by several factors, including increasing demand for business travel insurance, the rise of multi-trip coverage, and technological advancements in insurance services. Factors Driving the Growth of the Business Travel Insurance Market One of the primary factors contributing to the growth of the business travel insurance market is the rising need for immediate coverage for business-related travels. This insurance not only covers personal belongings and business equipment but also offers security against unexpected damages or interruptions during business trips. As business travel continues to increase globally, so does the demand for travel insurance that covers risks and mishaps while employees are abroad or traveling domestically. Another driving factor is the significant increase in spending by businesses on different types of insurance policies. Companies recognize the importance of protecting their workforce during international and domestic business trips, thereby fueling the demand for comprehensive insurance packages. Additionally, with advancements in digital tools such as artificial intelligence (AI), global positioning systems (GPS), and data analytics, insurance providers are able to offer more affordable and tailored policies that meet the specific needs of business travelers. COVID-19 Impact and Recovery The COVID-19 pandemic significantly affected the business travel sector, leading to a sharp decline in global travel and, consequently, in the demand for business travel insurance. With travel rules fluctuating and a global sense of uncertainty, the market for business travel insurance saw a notable dip. However, as global travel restrictions ease and business travel resumes, the market is expected to recover and experience rapid growth in the coming years. The increasing resumption of international and domestic business travel, combined with the introduction of more flexible and robust insurance products, has encouraged businesses to invest in insurance solutions. The market is now poised for a strong recovery, as both businesses and employees recognize the need for adequate protection during their trips. Segments and Trends Shaping the Market The business travel insurance market is segmented based on coverage type, distribution channels, and applications, which help provide a clearer understanding of the evolving market landscape. Opportunities and Challenges in the Market The growing adoption of digital tools by insurance providers offers significant opportunities for the market. Technologies like AI, machine learning, and big data analytics are helping insurers create more personalized and flexible insurance plans for business travelers. The use of these technologies also streamlines the claims process, providing a more efficient experience for travelers and businesses alike. Despite these advancements, challenges remain in raising awareness about the importance of business travel insurance. Many businesses still do not have adequate insurance policies in place for their employees, particularly for domestic and regional travel. The lack of knowledge about available policies and coverage options impedes the growth of the market to some extent. However, increased education and marketing efforts by insurers are expected to address this issue over time. Key Market Players and Strategies The global business travel insurance market is highly competitive, with several key players leading the market. These companies include: These market leaders are focusing on strategies such as partnerships, collaborations, and product innovations to strengthen their position in the industry. Many of these companies are leveraging new technologies and digital platforms to reach business clients more effectively and offer tailored insurance solutions. Conclusion As business travel rebounds globally, the business travel insurance market is set to experience substantial growth. With a projected market size of $20.19 billion by 2030, businesses are increasingly recognizing the value of protecting their employees during trips. The multi-trip segment, along with advancements in digital tools and AI-powered insurance services, will continue to drive this market forward, offering both opportunities and challenges for stakeholders in the coming years.

U.S. shoppers just got through Black Friday and Cyber Monday, two of the year's biggest shopping days. According to data from Adobe , consumers used Buy Now, Pay Later payment methods to fund nearly a billion dollars of purchases on Cyber Monday alone. Estimates peg Buy Now, Pay Later's share of total spending across the two days at 7.7%, up from 7.5% last year and 6.8% in 2022. Affirm ( AFRM 5.17% ) is emerging as a big winner in the Buy Now, Pay Later (BNPL) growth trend. The company has partnered with leading consumer-facing companies, such as Amazon and Apple , to grow its user base as consumers increasingly consider deferred payment choices. Could Affirm be the next big thing in fintech ? I've analyzed the business to determine how likely Affirm will become a millionaire-making stock. Here is what you need to know. Tremendous growth potential from market expansion alone Consumer debt is a pillar of the U.S. economy. Today, household credit card debt is at $1.16 trillion, an all-time high. Credit cards have been around for decades and can bury people in high-interest debt if their spending gets away from them. Buy Now, Pay Later wants to disrupt the credit card industry. It involves originating installment loans on a per-transaction basis. Affirm takes it a step further, championing its transparency as it doesn't even charge late fees to borrowers. The growth opportunity for Buy Now, Pay Later is massive. Grand View Research, a consulting firm, estimates the BNPL market will grow 24% annually through 2030. Affirm is working to expand in three key areas to grow its business: users, merchants, and engagement (transactions per user). In Q1 of Affirm's fiscal year 2025, the company posted solid growth in all three categories: Importantly, Affirm's gross merchandise volume seems to be growing faster than the Buy Now, Pay Later industry, which signals that the company is executing well. Affirm's growth versus the field is critical to watch because Buy Now, Pay Later is already becoming highly competitive with fellow disruptors like Klarna and Afterpay ( Block ) and incumbents like PayPal . I think there's room for more than one winner. There are hundreds of millions of adult consumers worldwide (Affirm recently launched in the U.K.). Meanwhile, e-commerce is still a fraction of total retail spending, and Buy Now, Pay Later is an even smaller fraction of e-commerce! In other words, the opportunity is big enough that, if all goes well, Affirm could become a massive company over the coming years and beyond. Affirm's CEO could be a competitive edge over others Singling out young companies as potential life-changing investments requires a lot of foresight and faith in the people leading these businesses. This is an overlooked point when considering investing in Affirm, which its founder, CEO Max Levchin, still leads today. Max Levchin has deep fintech roots; he was a co-founder of PayPal, arguably the leading fintech innovator of the early 2000s. Affirm's strong leadership also manifests in two significant areas within the company that I think will be crucial to its long-term success. First is the company's effective underwriting. Affirm has maintained disciplined default rates on its loans despite not even charging late fees to borrowers. Not every company can evaluate credit effectively. Apple tried to launch a Buy Now, Pay Later service but scrapped it a year later and partnered with Affirm instead . Second is Affirm's product innovation. Buy Now, Pay Later is primarily used online, but Affirm has gotten a head start in going after offline spending with the Affirm Card. This physical dual-purpose payment card allows users to split transactions between debit and Buy Now, Pay Later installment loans of their choosing. Affirm Card has accumulated roughly 1.5 million users in just over a year since its launch. Here is the verdict Affirm is already a large company with a $22 billion market cap and isn't profitable yet. However, the financials are improving, and management expects that to continue as the company grows. Can Affirm be a millionaire-maker stock? The payments and retail industries are large enough that a successful Affirm can eventually grow to the size of a significant fintech company. Still, even PayPal is worth under $100 billion today, so investors could wait a long time for Affirm to turn any modest investment into millions. That's OK, though. Affirm has the ingredients for market-beating growth and investment returns over the next five to 10 years, making it an attractive addition to any diversified portfolio .

Georgia loses QB Carson Beck (arm) during SEC title gameSliding at Oregon’s 26 yard line as time expired in a 32-31 loss to the Ducks still haunts Ohio State quarterback Will Howard. “I still have nightmares about that play,” Howard said. “I still run it over in my head; how could I have — what could I have done better? I get a chance to go out there and right the wrong from that game.” Howard and the No. 8 Buckeyes will face the No. 1 Ducks again in the Rose Bowl on Wednesday (2 p.m., ESPN). Ohio State threw for 326 yards in the loss to Oregon, the most allowed this season by UO. But the Ducks won the rushing and turnover battles. RELATED: Ohio State receiver Jeremiah Smith thinks about offensive pass interference penalty against Oregon ‘probably every day’ Howard, who was 28 of 35 with two touchdowns and ran for 13 yards and a score during the Oct. 12 game at Autzen Stadium, said he watched the film from the loss to Oregon “more counts than I could count” during the two weeks after. “I watched it quite a few times that bye week afterwards,” Howard said. “How could I have fixed it? At the same time you want to flush it and get away from it but now that they’re back, they’re the squad we’re playing — I have watched it and it hurts because I’m like man, there’s so many opportunities for us to win that game. Looking back at it, it’s like man, we just didn’t play our best ball that day. “It makes you excited because we got another chance at it. You don’t get a lot of second chances in life and God’s blessed us with one. We got to make sure we take advantage of it. It’s a hell of a team. I mean Oregon’s a great team, they do some really good stuff. It’s not going to be easy. We got to go in there and do our thing and take what they give us and impose our will because that’s the only way we can do it from here on out.” RELATED: Oregon’s win over Ohio State ‘still bugs’ Will Howard, ‘pissed off’ Buckeyes defense CFP quarterfinal at the Rose Bowl Who: No. 1 Oregon Ducks (13-0) vs. No. 8 Ohio State (11-2) When: Wednesday, Jan. 1 Time: 2 p.m. PT Where: Rose Bowl, Pasadena, California TV channel: ESPN Stream: You can watch this game live for FREE with Fubo (free trial) or by signing up for Sling (cheapest streaming plans, $25 off your first month). If you already have cable, you can also watch this game live on Watch ESPN with your cable or satellite provider login information. Oregon Ducks football 2024 season schedule, scores Sign up for The Ducks Beat newsletter -- James Crepea covers the Oregon Ducks and Big Ten. Listen to the Ducks Confidential podcast or subscribe to the Ducks Roundup newsletter .

Giants release quarterback Daniel Jones just days after benching him EAST RUTHERFORD, N.J. (AP) — The Daniel Jones era in New York is over. The Giants quarterback was granted his release by the team just days after the franchise said it was benching him in favor of third-stringer Tommy DeVito. New York president John Mara said Jones approached the team about releasing him and the club obliged. Mara added he was “disappointed” at the quick dissolution of a once-promising relationship between Jones and the team. Giants coach Brian Daboll benched Jones in favor of DeVito following a loss to the Panthers in Germany that dropped New York's record to 2-8. Conor McGregor must pay $250K to woman who says he raped her, civil jury rules LONDON (AP) — A civil jury in Ireland has awarded more than $250,000 to a woman who says she was raped by mixed martial arts fighter Conor McGregor in a Dublin hotel penthouse after a night of heavy partying. The jury on Friday awarded Nikita Hand in her lawsuit that claimed McGregor “brutally raped and battered” her in 2018. The lawsuit says the assault left her heavily bruised and suffering from post-traumatic stress disorder. McGregor testified that he never forced her to do anything and that Hand fabricated her allegations after the two had consensual sex. McGregor says he will appeal the verdict. Week 16 game between Denver Broncos and Los Angeles Chargers flexed to Thursday night spot The Los Angeles Chargers have played their way into another prime time appearance. Justin Herbert and company have had their Dec. 22 game against the Denver Broncos flexed to Thursday night, Dec. 19. Friday’s announcement makes this the first time a game has been flexed to the Thursday night spot. The league amended its policy last season where Thursday night games in Weeks 13 through 17 could be flexed with at least 28 days notice prior to the game. The matchup of AFC West division rivals bumps the game between the Cleveland Browns and Cincinnati Bengals to Sunday afternoon. NBA memo to players urges increased vigilance regarding home security following break-ins MIAMI (AP) — The NBA is urging its players to take additional precautions to secure their homes following reports of recent high-profile burglaries of dwellings owned by Milwaukee Bucks forward Bobby Portis and Kansas City Chiefs teammates Patrick Mahomes and Travis Kelce. In a memo sent to team officials, a copy of which was obtained by The Associated Press, the NBA revealed that the FBI has connected some burglaries to “transnational South American Theft Groups” that are “reportedly well-organized, sophisticated rings that incorporate advanced techniques and technologies, including pre-surveillance, drones, and signal jamming devices.” Brock Purdy will miss Sunday's game for the 49ers with a shoulder injury SANTA CLARA, Calif. (AP) — San Francisco 49ers quarterback Brock Purdy will miss Sunday’s game against the Green Bay Packers with a sore throwing shoulder. Purdy injured his right shoulder in last Sunday’s loss to the Seattle Seahawks. Purdy underwent an MRI that showed no structural damage but the shoulder didn’t improve during the week and Purdy was ruled out for the game. Coach Kyle Shanahan said star defensive end Nick Bosa also will miss the game with injuries to his left hip and oblique. Left tackle Trent Williams is questionable with an ankle injury and will be a game-time decision. Red Bull brings wrong rear wing to Las Vegas in mistake that could stall Verstappen's title chances LAS VEGAS (AP) — Max Verstappen is suddenly in jeopardy of being denied a fourth consecutive Formula 1 title Saturday night. Red Bull apparently brought the wrong rear wing to Las Vegas and GPS data showed its two cars to be significantly slower on the straights than both McLaren and Mercedes, which led both practice sessions. Red Bull says it doesn’t have a replacement rear wing in Las Vegas to fix the issue and little chance of getting two flown in from England ahead of the race. Lawyer says ex-Temple basketball standout Hysier Miller met with NCAA for hours amid gambling probe PHILADELPHIA (AP) — A lawyer for former Temple basketball standout Hysier Miller says the 22-year-old sat for a long interview with the NCAA amid an investigation into unusual gambling activity. But neither the lawyer nor federal law enforcement officials on Friday would confirm reports that a federal probe is now under way. Lawyer Jason Bologna says Miller cooperated because he hopes to play again. Miller was released last month after transferring to Virginia Tech. Temple President John Fry says the Philadelphia school has not been asked for any information from federal law enforcement officials. Caitlin Clark to join Cincinnati bid for 16th National Women's Soccer League team WNBA star Caitlin Clark has joined Cincinnati’s bid for an expansion National Women’s Soccer League team. Major League Soccer franchise FC Cincinnati is heading the group vying to bring a women’s pro team to the city. The club issued a statement confirming Clark had joined the bid group. NWSL Commissioner Jessica Berman has said the league plans to announce the league’s 16th team by the end of the year. The league's 15th team will begin play in 2026 in Boston. Alyssa Nakken, first full-time female coach in MLB history, leaving Giants to join Guardians CLEVELAND (AP) — Alyssa Nakken, the first woman to coach in an MLB game, is leaving the San Francisco Giants to join the Cleveland Guardians. Nakken made history in 2022 when she took over as first-base coach following an ejection. A former college softball star at Sacramento State, Nakken joined the Giants in 2014 and was promoted to a spot on manager Gabe Kapler’s staff in 2020, becoming the majors’ first full-time female coach. Nakken has been hired as an assistant director within player development for the Guardians, who won the AL Central last season under first-year manager Stephen Vogt. Nakken, 34, will work with former Giants coaches Craig Albernaz and Kai Correa. Aaron Judge won't be bothered if Juan Soto gets bigger contract from Yankees than his $360M deal NEW YORK (AP) — Aaron Judge won’t be bothered if Juan Soto gets a bigger deal from the New York Yankees than the captain’s $360 million, nine-year contract. Speaking a day after he was a unanimous winner of his second MVP, Judge says “It ain’t my money” and adds "that’s never been something on my mind about who gets paid the most.” Judge led the major leagues with 58 homers, 144 RBIs and 133 walks while hitting .322. Soto batted .288 with 41 homers, 109 RBIs and 129 walks in his first season with the Yankees, then became a free agent at age 26.Fidelity National Financial, Inc. (NYSE:FNF) Director Sandra Douglass Morgan Sells 2,092 Shares

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