World News – CA – Vava’s 4K Ultra Short Throw Projector is priced at $ 840 on Amazon

If you are in the market for a short throw projector, you could do a lot worse than the Vava 4K Ultra Short Throw Laser TV projector. The well-rated model usually costs 2. $ 800. However, if you have a few thousand dollars burning a hole in your pocket and are ready to pull the trigger, you can get one today only on Amazon for $ 1 today. Buy $ 960.

That’s almost the equivalent of a deal we saw on the projector earlier this month when it was sold for Jan.. $ 950 was for sale. It is a great deal for the device that was already one of the cheaper short-throw laser projectors.

In our test, we gave the Vava projector an 84 rating. We found that it had an attractive design, along with good picture quality and great sound. It can project an 80-150 inch display onto your wall or screen with adequate brightness.

We weren’t thrilled with the accompanying Android app and the fan noise. And like many similar projectors, native app support isn’t exactly great. With all of the money you save, you can use a Chromecast, Fire, or Roku device as your primary interface instead and still get the most out of an impressive projector.

Get the latest deals on Black Friday and Cyber ​​Monday by visiting our Deals homepage and following @EngadgetDeals on Twitter.

The Wisconsin State Pension Investment Board sold shares in Bank of America, Wells Fargo, and Exxon in the third quarter. It bought JPMorgan stock.

I’ve read some of your HelpMeRetire inquiries, and I have a situation that I don’t seem to find much information about from reading retirement planning guides. I am 60 years old and my spouse is 45 years old. Our cost of living isn’t extravagant, but we love to travel.

The stock market looks resilient but is also showing signs of excessive upward movement. Apple lists four key names.

The expectations of good news on the near horizon are currently stimulating the markets. Last month, both the S&P 500 and NASDAQ rose 11% to new record highs. Investors are excited about the prospect of a COVID vaccine before winter is over. And the election results, that Democrat Joe Biden will rise to the presidency while Republicans will emerge stronger in Congress, promise to avoid the extremes typical of a divided government. In short, investors look forward to getting back to normal over the next few months. And that drives them to look for stocks that are geared for profit. With that in mind, Goldman Sachs analysts put three stocks in particular on the table, noting that each stock could gain over 40% in the coming year. After running both tickers through TipRanks’ database, we found that the rest of the street is also right in the cop camp. Codiack BioSciences (CDAK) As we have all learned from the coronavirus pandemic, something new in medicine can have a huge impact on our world. Codiack wants to turn this principle for the better. This research-led drug aims to transform exosome therapeutics into an entirely new class of drugs. Exosomes are the mechanism for breaking down RNA and are able to transfer genetic material around a body. And therein lies the potential. Codiack has developed a design platform for engineering exosome proteins that can carry and protect drug molecules through cell walls. In fact, the proteins mimic the pathways used by viruses – but they are not viral and are designed to carry a “payload” of therapeutics. If successful, exosome therapy offers doctors the opportunity to develop a drug that delivers certain active substances to certain cells to fight certain diseases. Codiack is involved in every aspect of exosome therapeutics, from design to manufacture, and currently has an active pipeline of agents – seven in total – in various stages of discovery, preclinical testing, and early phase 1 trials. In the life sciences, success or failure is all about that pipeline, and with its diverse, active pipeline of drugs in a new biotech pharmaceuticals sector, Codiack has a good resource to attract investors. To attract these investors, the company went public last October and sold 5. 5 million shares at an opening price of $ 14. 10 per share. Goldman Sachs analyst Graig Suvannavejh is one of the fans of the health name. The analyst wrote, “The biopharmaceutical industry has long had a strong interest in exosomes, but developing for a specific function and manufacturing at scale have proven to be challenging. In a multi-competitive field, CDAK has made the most significant advances on both fronts and as such we consider their technology platform to be world class. « Given the stock’s underperformance (-37%) since going public, we find risk / reward at the current level very compelling and with important data sets for 2021 that allow for potential risk reduction and positive stock inflection, » the analyst concluded. Suvannavejh gives CDAK a buy and its target price of $ 29 shows the level of confidence it has – this implies an uptrend of 222% for the year ahead. (To see Suvannavejh’s track record, click here. ) Overall, Codiack made a strong buy from analyst consensus – 3 reviewers gave buy ratings in the past few weeks. The stock sells for $ 8. 90, and its average target price of $ 24 implies 166% upside for a year. (See CDAK stock analysis on TipRanks) Arcutis Biotherapeutics (ARQT) Acrutis is a pioneering researcher in the treatment of dermatological diseases. Arcutis is involved in discovering the next generation of dermatological treatments – an important niche, especially when you realize that a common disease, psoriasis, hasn’t received FDA approval for a novel treatment in over two decades. The company is leveraging recent advances in immunology and inflammation to find new approaches to skin treatment. The aim is to make it easier for patients and doctors to treat conditions such as psoriasis, alopecia, neurodermatitis, seborrheic dermatitis and vitiligo, to name a few. The company’s lead candidate, ARQ-151 (roflumilast cream), is about to enter a phase 3 study in atopic dermatitis and is in advanced phase 3 plaque psoriasis. Arcutis recently released an update on positive data from the Phase 2 trials of ARQ-151 in atopic dermatitis. The drug is a once-daily treatment and has shown significant symptom relief in patients, particularly those with itching and pruritus-related sleep problems. This is another stock in the Suvannavejh coverage universe. Impressed with developments in the company’s pipeline work, the Goldman analyst notes, “ARQT has an update on the results of its Phase 2 meetings following the Phase 2a study of ARQ-151 in atopic dermatitis (AtD) submitted to the FDA). The feedback from regulators has been generally encouraging, especially the recognition of the robust long-term safety data ARQT is generating for ARQ-151 in plaque psoriasis … ”Accordingly, Suvannavejh rates ARQT with a purchase and sets a price target of $ 36, which is room for 40 indicates% upward growth in 2021. (To see Suvannavejh’s track record, click here. ) Arcutis has 2 current purchase ratings, so the consensus rating is a moderate buy. The stock’s average target price is $ 37, indicating an upward move of 44% from current levels. (See ARQT stock analysis on TipRanks) Oak Street Health (OSH) With the last stock, we’re moving from medical research to medical care. In particular, Oak Street Health operates a primary care clinic and is part of the Medicare network. The company has offices and clinics in Illinois, Indiana, Michigan, Pennsylvania, and Ohio, as well as in New York, North Carolina, Rhode Island, Tennessee, and Texas. It’s been in operation for eight years and went public last summer. The IPO took place in August. In the third quarter, the company’s first publicly traded company, OSH raised $ 217. 9 million sales. Sales increased by 56% compared to the same quarter of the previous year. At 15 cents, earnings per share were in line with expectations. The company is expanding rapidly. In October, Oak Street entered New York by turning 70 in Brooklyn. Location opened. A planned expansion in Texas that includes a partnership with Walmart is also proceeding as planned, and Oak Street has opened its first Walmart Community Clinic in the city of Carrollton, Dallas-Fort Worth area. Robert Jones, who covered this stock for Goldman, set a price target of $ 74 to support his buy recommendation. At the current level, this target implies an upward movement of ~ 58% over the next 12 months. (To see Jones’ track record, click here. ) “The results suggest that operations are still on track, with few incremental updates since the second quarter, when management noted despite the resumption of center openings, (panned) marketing efforts and personal visits COVID. OSH opened 13 new centers in the third quarter and is on the way 73-75 by the end of the year … The company claimed it continues to operate at high levels in places with increased COVID case numbers like Chicago and Detroit, « said Jones. All in all, Strong Buy’s occupational health and safety analyst consensus rating is based on 8 ratings, which are limited to 7 purchases and a single hold. The stock sells for $ 46. 94 and its $ 61. The average target price of 29 suggests it has an uptrend of ~ 31% for the year ahead. (See Health and Safety Stock Analysis on TipRanks. ) To find great ideas for trading healthcare stocks at attractive valuations, visit TipRanks’ Best Stocks to Buy, ‘a newly launched tool that brings together all of TipRanks’ stock insights. Disclaimer: The opinions expressed in this article are solely those of the presented analysts. The content is intended to be used for informational purposes only. It is very important that you do your own analysis before making any investment.

QuantumScape, an electric vehicle battery developer, began trading on the New York Stock Exchange today following a SPAC merger.

Buying a stock is easy, but buying the right stock without a proven strategy is incredibly difficult. What are the best stocks to buy or watch on right now?

The Barron cover story over the weekend discusses whether Ford can be repaired and its inventory can double. * Other articles featured explore the bull case for Tesla in the S&P 500, some global recreational games, and how badly the pandemic has hurt real estate investment trusts. * Also, the outlook for a salon operator, automaker dividends, Apple notebooks, and more. Cover story « Ford Can Be Fixed. Why Its Stock Might Double « by Al Root points out that Ford Motor Company (NYSE: F), the world’s fifth-largest automaker, was among the worst-performing stocks over the past five years. Learn why Barron believes his new chief executive officer could help fix the company and increase its share price significantly. Leslie P. . Norton’s « Pandemic or not, a house needs a deck. This is good news for Azek « shows why Azek Company Inc (NYSE: AZEK), the second largest manufacturer of composite wood decks, is growing rapidly after going public in June. As recycling increases and composite costs decrease, the company expects steady growth, according to the article. In « Supercuts Owner Regis Is A Post-Pandemic Game Of Style, » Nicholas Jasinski argues that the move to a franchise model is driving small-cap hair salon operator Regis Corporation (NYSE: RGS) to buy. Haircuts cannot be sold online and shipped in a box, and investors look forward to when life and business are back to normal. General Motors Company (NYSE: GM), Ford, and other automakers appear to be on track to restore their dividends as 2021 approaches and rear-view mirrors are strong in the third quarter. As stated in « Improving Cash Flows Reconciles GM And Ford Dividends For Recovery » by Lawrence C. . Ostrich. In Alex Eules « Apple’s new MacBooks, critics were enthusiastic. Investors should also worry « why Barron’s believes that while Macs only make up 10% of total Apple Inc (NASDAQ: AAPL) sales, the business is once again important to the future of the consumer electronics giant. ». « Tesla storms the S&P 500. Here is Jack Hough’s « Bull Case » explaining why Elon Musk’s electric vehicle maker is continuing its staggering surge, but Tesla Inc (NASDAQ: TSLA) is now so high that profits from auto manufacturing alone may not be enough even if you look outside for a decade and assume massive market share gains. See Also: Gasoline Gas Bulls And Bears Of The Week: AstraZeneca, Disney, Ford, GE, Roku, And More The consumer staples sector grew nearly 30% in 2020, making it the second best performer this year, according to technology only, Ben Levisohn’s « Tesla Stands. » shortly before the upturn in this sector. What investors should do now. « Discover why Barron’s believes the sector is getting a lot riskier and how investors want to play it. In « Three Stocks to Buy as COVID Lockdowns Ease, » Bill Alpert addresses the claim that global recovery like Anheuser Busch Inbev NV (NYSE: BUD) and Royal Dutch Shell plc (NYSE: RDS-A) as investors are a fair price Look ahead to a post-pandemic world. See what else made the cut. Lawrence C. . Strauss’ « REITs have been hit hard by COVID-19. The impact could last for years, « says COVID-19, which has hurt the most long-term value of real estate investment trusts focused on shopping malls and office space. But what about American Tower Corp (NYSE: AMT) and Prologis Inc (NYSE: PLD)? Also in Barrons this week: * Asking the Most Powerful Woman in Technology * How Much Can Joe Biden Actually Change Tax Policy * Five Tax Measures To Consider For An Unusual Year * Why Taxable Muni Bonds Are Alluring * Whether Companies That Have The Impact Don’t measure up, lag on companies * How emerging markets could benefit from COVID-19 vaccines * Whether millennials or baby boomers are fueling the recent stock rally * A look back at Janet Yellen’s career * Whether the Bitcoin rally has legs * A memory loss trap that Should Be Avoided in Retirement At the time of this writing, the author did not hold a position in the said stocks. Follow Benzinga on Twitter to keep up with the latest news and trading ideas. Photo by Delbeautybox from Pexels See more from Benzinga * Click here for Benzinga option deals * Notable insider buys over the past week: Biglari, Coty, Danaher, Foot Locker and more * Benzinga’s Bulls and Bears of the Week: AstraZeneca, Disney, Ford, GE, Roku and more (C) 2020 Benzinga. com. Benzinga does not offer investment advice. All rights reserved.

Apple has been an American success story several times with Mac, iPod, iPhone and other inventions. But is Apple stock a buy now? This is shown by the stock charts and profits.

(Bloomberg Opinion) – The CEO of Volkswagen AG, Herbert Diess, has predicted that the world’s most valuable company will be a car maker within five to ten years. Given how many investors have bought Tesla Inc. . and other EV inventories, it could happen sooner. Tesla’s market value rose to over $ 540 billion this week – 250 times its expected profit this year – and is now the 10th largest publicly traded company in the world, according to Bloomberg data. A trio of New York-listed Chinese electric vehicle groups – Nio Inc. . , XPeng Inc. . and Li Auto Inc. . – are worth $ 154 billion together. Neither of the three is profitable and together they got less than 30 in the last quarter. 000 vehicles delivered, a little more than 1% of Volkswagen’s car sales. Arrival Ltd. . , a U. . K. . The electric-bus-and-van-based startup, slated to go public through its merger with a special purpose vehicle, is valued at nearly $ 16 billion after SPAC shares more than doubled in a week. The production of vehicles will not start until the end of next year. (1) The electric revolution is real and the move away from internal combustion engines is accelerating. From a climatic point of view, it’s great that investors allocate capital like this. Nevertheless, the reviews look mighty bubbly. The potential for disappointment is enormous, especially for the newest EV manufacturers who aren’t yet to generate significant revenues. Like all financial bubbles, this one is fueled by dreams of enormous wealth. Elon Musk has overtaken Bill Gates as the second richest person in the world. Scottish investment manager Baillie Gifford & Co. . , an early Musk supporter, recently paid out billions of dollars in Tesla stock but keeps a 3. 7% hold a value of around $ 20 billion. Baillie Gifford has more than one horse in EV racing: his Nio stake is worth nearly $ 6 billion. The Chinese company U. . S-listed stocks are this year at 1. 235% increased. Nio’s recent history highlights the dangers of electric vehicle inventories. It warned in March of significant doubts about its ability to continue business after consuming $ 4 billion in cash in three years. It survived thanks to a local government bailout. Tesla has faced bankruptcy at least twice since 2003. Those joining the electric race now claim to have learned lessons from these near-death battles, but there is little evidence that their fate will be any less volatile. Competition is fierce, and while electric motors are easier to build than internal combustion engines, it’s incredibly difficult to design a vehicle that is safe, reliable, and exciting. Incumbents like Volkswagen and General Motors Co. . are much better capitalized and have far more experience in supply chain management and branding. After a slow start, they have gone all-in on electric vehicles. They are not so easily pushed aside. Several factors have driven EV inventories to these dizzying heights. The U. S.. . The Federal Reserve sparked a speculative frenzy by cutting interest rates to zero, and bored millennials trading Robinhood stocks at home discovered the EV bug. Electric vehicle manufacturers know how to market themselves to this crowd: Workhorse Group Inc. . According to the statement, the vans can be paired with a drone, while XPeng emphasizes the ability to drive autonomously. ElectraMeccanica Vehicles Corp.. . The « Solo » model only has three wheels. Then there’s the hottest financial fad of 2020: SPACs. Many have partnered with electric vehicle companies, and a unique feature of these deals is that, unlike a regular IPO, companies are allowed to publish detailed multi-year financial projections. These projections are often extremely bullish. Like Arrival, Fisker Inc. . – an asset-light electric car business whose shares have soared – has yet to begin commercial sales. Even Musk is worried about SPACs, although he didn’t say which ones. These new companies claim to have a solution to the manufacturing difficulties and massive capital expenditures that nearly brought Tesla to a standstill. Compared to the way Apple Inc. . Fisker is outsourcing phone production to Foxconn Technology Group and plans to sell its Ocean SUV to Canadian auto parts maker Magna International Inc. to forgive. Electric and hydrogen truck maker Nikola Corp. . is pursuing a similar strategy with partners GM and CNH Industrial NV. Others take a different approach. Electric pickup startup Lordstown Motors Corp. . acquired a factory from GM and licensed technology from Workhorse to help accelerate market entry. In order not to be outdone, Arrival claims to have reinvented the car’s assembly line. There are plans to build smaller, cheaper “micro-factories” closer to where the products are sold. Greater automation will reduce the need for human labor, they say. However you make vehicles, there is a lot to do. More than a third of Workhorse’s factory workers had to dismantle tools over suspected coronavirus infections. Li Auto remembered all 10. 000 electric SUVs manufactured prior to June after a potential suspension problem was identified. Workhorse and XPeng recently warned of battery supply shortages. A big test for would-be Teslas will come when they run out of money and have to ask equity and debt investors for more, as Tesla and Nio have repeatedly done. ElectraMeccanica warned in its recent reports that its “ability to continue as a company will depend on our continued ability to raise capital on acceptable terms. « All of this may have short sellers licking their lips, but Tesla’s rise shows the risk of betting against the bubble. Nikola was the subject of a damning report from Hindenburg Research that challenged his technology and forced his chairman to resign. However, the market capitalization now exceeds $ 11. 5 billion. This may be right if automakers become the most valuable companies. However, it is inevitable that some will fail. (1) Calculation basis: The transaction with USD 10 per share valued Arrival’s equity at 6 billion. USD. CIIG Spac shares are now trading at $ 26. This column does not necessarily reflect the opinions of the editors or Bloomberg LP or its owners. Chris Bryant is a Bloomberg Opinion columnist specializing in industrial companies. He previously worked for the Financial Times. For more articles like this, please visit us on Bloomberg. com / opinionSubscribe now to stay ahead of the curve with the most trusted business news source. © 2020 Bloomberg L. . P. .

Rhythm Pharmaceuticals received Food and Drug Administration approval for an anti-obesity drug in patients with rare genetic deficits, and RYTM stock hit a two-month high.

John Buckingham, of The Prudent Speculator Investment Newsletter, offers MarketWatch Premium subscribers a special stock screen.

Does buying gold stocks or wagering on the price of gold make sense despite vaccine progress and 2020 election results? Here are a few things to keep in mind.

You can inherit an IRA tax-free, but you could be fined 50% for not following the Rules on Minimum Required Distributions (RMDs). .

AMD stock made an early entry on Friday, while Apple chipmakers Qualcomm and Qorvo are near buy points in semiconductor stocks.

AstraZeneca Headquarters and Research Center in Cambridge, UK * Benzinga spent the past week researching the prospects, or many favorite stocks, of investors. * The bullish calls for the week with shortened holidays included old-school and newer consumer favorites. * A COVID-19 vaccine contender and casino stock were among the bearish calls. When investors look to the future, they hope for COVID-19 vaccines and the incoming U. . S.. . The presidential administration helped stimulate markets last week and propel Dow Jones industrials to new all-time highs. The main U. S.. . Indices ended the week higher with shortened holidays, led by the Nasdaq rising 3%. There has been a lot of emphasis on retailing over the past week, with changes to Black Friday, mixed retail revenue, and some early signs of what the holiday shopping season may look like. This week also saw a second-richest man in the New World, additional layoffs at an entertainment giant, consolidation in the book publishing industry, and new geopolitical tensions. Meanwhile, Benzinga continued to scrutinize the prospects for many of the most popular stocks among investors. Here are some of the most bullish and bearish posts of the past week that are worth another look. According to Chris Katje’s « 2 Catalysts That Could Boost Disney Subscribers, » Bulls Walt Disney Co (NYSE: DIS) unveiled a plan earlier this year that would focus heavily on the direct-to-consumer streaming business. « Upcoming catalysts could support the already strong subscriber growth. What is expected from an upcoming investor presentation? In « Oppenheimer Upgrades General Electric: ‘Turnaround Gaining Traction’, » Wayne Duggan explains how the General Electric Company (NYSE: GE) has steadily advanced its turnaround efforts, improved its balance sheet, and coronavirus vaccine data is for the company optimistic. « Analyst sees Square Hitting 0 on the back of the Bitcoin Heavy Cash App » by Shivdeep Dhaliwal investigates the outlook for Square Inc (NYSE: SQ) and its Cash App. See how the featured analyst believes the mobile payment company will hold its own against competition from PayPal and Venmo. Jayson Derrick’s « Roku Fundamentals » remain strong, « Analyst Says » focuses on why the latest momentum at Roku Inc (NASDAQ: ROKU) could be sustained even after a COVID-19 vaccine becomes available to the public. Also, find out about the company’s international outlook for the new year. For more bullish calls over the past week, check out the following sections as well: * Wall Street Analysts Say These 5 Stocks Are A Buy As The World Prepares For The Post-COVID-19 Time. * China Tech Companies Remain ‘Very Much A’ Growth Play ‘Even After COVID-19, Says Credit Suisse * Cramer’s Year-End Schedule: Upload Digital Retailers To Bears Shanthi Rexalines’ AstraZeneca Analyst Shows Missing Details In Preliminary COVID-19 Vaccine Data’ reveals why an analyst called the intermediate stage 3 dates for AstraZeneca plc (NASDAQ: AZN) coronavirus vaccine candidate « premature and inadequate » and « likely to attract a number of criticisms. « . « Morgan Stanley Downgrades Ford Says EV Strategy Is ‘Not Exactly Clear’, » Jayson Derrick contends that Ford Motor Company (NYSE: F) deserves credit for having a « sense of the world » in building their range of electric vehicles Urgency « has expressed. The management’s strategy is currently « not very clear ». See Wayne Duggan’s « Citron Shorts Palantir, Calls Stock A ‘Full Casino' » for why the famous short seller added Palantir Technologies (NYSE: PLTR) to their vacation shortlist last week. Check how much downside Citron is forecasting from current levels by the end of the year. With Caesars Entertainment Inc (NASDAQ: CZR) stock up more than 100% in six months, it’s time for a rating downgrade and some risk taking. Chris Katje says, « Caesars Entertainment is downgraded for valuation and short-term risks ». Be sure to check out these additional bearish calls: * Bitcoin is experiencing a Thanksgiving swoon * Why Scott Nations is bearish on crude oil * Mexico’s cannabis legalization law will boost business, but there are concerns at the time of this writing, the author had no position in the stocks mentioned. Follow Benzinga on Twitter to keep up with the latest news and trading ideas. Photo courtesy of AstraZenecaSee more from Benzinga * Click here for Benzinga option deals * Barron picks and pans: Emerging Markets, Kandi, Simon Property, Plug Power and more * Notable insider buys from the past week: Avis, Biglari and more (C) 2020 Benzinga. com. Benzinga does not offer investment advice. All rights reserved.

If we say goodbye to a difficult year, it is likely that the economic and financial roller coaster ride is just beginning.

Citron Research editor and notorious short seller added another name to their vacation shortlist on Friday. In a tweet, Left said he was short on Palantir Technologies Inc (NYSE: PLTR) after the stock more than tripled from its direct listing price of $ 10 in September. 30th. On the left is a short sale of Palantir with a target price of $ 20 by the end of the year, indicating a downward trend of more than 50% from current levels. « What a run this last month for everyone. But as traders looking for short exposure, $ PLTR is no longer a stock, but a full casino. Don’t take a crystal ball to know this will fall back on Arda, « Left tweeted. Related Link: Citron Says It Is « Offensive » To Call Blink Charging For EV Stock. Other EV stocks short bets: Its valuation-based short thesis on Palantir is similar to its short thesis on electric vehicle stocks Nio Inc – ADR (NYSE: NIO) back on Nov.. . 13th. In November 2018, Left compared Nio to Tesla Inc (NASDAQ: TSLA) when Nio was trading at around $ 7 per share. However, earlier this month he said investors should take profits on the stock after it rose nearly $ 2 last year. 300% was up. « After a rocky trade route, NIO is in uncharted territory that can never be justified by its current position in the Chinese EV market or its near-term prospects, » Left said of Nio. Left also recently dubbed Electrameccanica Vehicles Corp (NASDAQ: SOLO) as « a complete joke » and EV charging station Blink Charging Co (NASDAQ: BLNK) stock as the « overall scheme ». Benzinga’s Take: Short sellers who have focused on fundamental valuation analysis have been killed for years, especially when it comes to betting against EV stocks. The fact that Left explicitly mentioned his price target of $ 20 on Palantir for « 2020 » suggests that it may be a short-term bet on a correction rather than a longer-term comment on the stock. For more information from Benzinga * Click here to read Benzinga * option trades. Q3 13F Summary: How Buffett, Einhorn, Ackman, and Others Adjusted Their Portfolios (C) 2020 Benzinga. com. Benzinga does not offer investment advice. All rights reserved.

Wall Street is getting more and more optimistic about U. . S.. . Electric vehicle inventories, but it’s not clear if this will continue as more research emerges.

Projector, 4K Resolution, Cyber ​​Monday, Throw, Laser Video Display, Discounts and Allowances