Gas station trip earns Florida woman $5M lottery jackpot
Lottery officials said Nubia Fagot, 62, made a stop at the Beacon Service Station on Northwest 12th Street in Doral and selected a $5,000,000 Crossword Cash scratch-off ticket.
The $20 ticket turned out to be a $5 million top prize winner.
Lottery officials said Fagot chose to receive her winnings as a one-time, lump-sum payment of $3,262,138.
The gas station was awarded a $10,000 bonus for selling the winning ticket.
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UPI
a day ago
- UPI
Trump delivers immigration message on Scotland visit
1 of 3 | President Donald Trump played golf in Scotland Saturday morning, teeing it up at his Trump Turnberry golf resort ahead of meetings with European lawmakers and delivering a message after leaving the White House on Friday (pictured). Photo by Will Oliver/UPI | License Photo July 26 (UPI) -- President Donald Trump played golf in Scotland Saturday morning, teeing it up at his Trump Turnberry golf resort ahead of meetings with European lawmakers and delivering a message. "I say two things to Europe: Stop the windmills. You're ruining your countries. I really mean it, it's so sad. You fly over and you see these windmills all over the place, ruining your beautiful fields and valleys and killing your birds," Trump told reporters after arriving on Friday. "On immigration, you better get your act together. You're not going to have Europe any more," he said. Trump is scheduled to discuss trade during a Monday meeting with British Prime Minister Keir Starmer and Scottish First Minister John Swinney. He is also expected to meet with European Commission president Ursula von der Leyen during the four-day visit to Scotland. The delegation will start arriving Saturday and include European trade commissioner Maros Sefcovic, as well as von der Leyen, who Trump referred to as a "highly respected woman." U.S. officials and their EU counterparts are continuing attempts to reach a deal before an Aug. 1 deadline that will see 30% reciprocal tariffs take effect on all EU member states. The United States and Britain reached a deal in June on tariffs between the two countries, although Trump and Starmer were expected to iron out details during their meeting. Protestors demonstrated against Trump's visit in both Edinburgh and Aberdeen Saturday morning, including outside the Trump-owned golf course. He will also visit another of his privately-owned courses, Trump International Scotland in Aberdeenshire, during the trip. "We are really excited, across this whole weekend, there's so many campaign groups turning out in the streets, taking in action in their communities or at rallies like this. It's kind of like a carnival of resistance," demonstrator Anita Bhadani told the BBC outside of the U.S. Consulate General's office in Edinburgh Saturday, after helping to organize the Stop Trump Coalition. The coalition said its purpose is to "defeat the politics of Trumpism, and to promote an alternative, democratic vision of the world based on peace, social justice and international cooperation."
Time Business News
2 days ago
- Time Business News
Top 5 Use-Cases of AI and Machine Learning in the FinTech Industry
FinTech has completely revolutionised the way people manage money today. From paying bills to getting loans and investing in the stock market, everything is at your fingertips. It won't be completely wrong to say that the industry has become a significant part of a common man's life today, without which they may struggle to do their daily tasks. But what's powering modern fintech? Plenty of technologies like blockchain, IoT, Artificial Intelligence (AI), and Machine Learning (ML). But we're going to specifically focus on AI/ML today. These technologies help the fintech app understand user needs, prevent fraud, and offer personalised financial advice. This guide will help you understand how AI and ML are shaping the fintech industry and making complex processes like investing, lending, and saving efficient for its users. Let's Go! Fraud Detection And Prevention The fintech industry deals with big money; thus, it is on the radar of cyberattackers who try various methods, including phishing, money laundering, or unauthorized transactions. How does AI help in fraud detection? Take an example of a user who makes multiple transactions with his credit card. He will get a call from the bank to verify if the payments were made by him. Or imagine a user is in Mumbai, but his card was used in Dubai. He'll get an immediate notification. This is such a good way to save the users from any financial fraud. Without AI and ML, this would not have been possible. These systems keep a track of the user's financial history and alert immediately if they sense any suspicious activity. It's the pattern of transactions that helps. Examples: PayPal's AI scans millions of payments per second, blocking fraud that costs the industry $40 billion yearly. In India, Razorpay's ML catches sketchy UPI attempts like duplicate payments, saving merchants lakhs. Credit Score And Risk Assessment AI and ML have made the task of getting a loan easier. These systems allow AI fintech companies to look for alternate data sources like transaction history and bill payments to generate a credit limit. Examples : Digital lenders like Upstart and Zest AI use AI-based credit scoring to approve more applicants safely. FinTech companies like Razorpay are leading the way in using ML to improve payment security. Personalized Financial Services AI and ML allow the fintech apps to track user behavior, transaction history, and lifestyle habits to deliver personal financial goals. These apps can suggest a saving plan based on the user's behaviour and income to meet the requirements. They can also suggest a good investment plan based on the user's risk tolerance. Example : Groww App in India uses machine learning to track user behavior. How much users invest, when they withdraw, what are their preferred sectors. Based on the behaviour, it offers custom investment insights, like portfolio rebalancing suggestions or fund alternatives that suit their risk profile. This makes stock and mutual fund investing personalised and beginner-friendly. Algorithmic Trading Investing in the stock market is rewarding but comes with its share of risks. Proper knowledge about the market is a must to gain maximum benefits; however, becoming a successful trader is not everyone's cup of tea. This is where AI and ML can be of great help. The AI trading systems analyze millions of data per second, including stock prices, economic indicators, news sentiment, and even tweets. ML algorithms then make high-frequency trading decisions to maximize returns and minimize risk. These systems continuously learn from market patterns, adapt strategies in real-time, and often outperform traditional trading methods. Examples : India's largest stockbroker, Zerodha, integrates with a platform called Streak that lets even non-coders do algorithmic trading. Here, the user can set conditions like: 'Buy this stock if it drops 5% in 15 minutes and RSI is below 30 .' The system will track those conditions using live data and execute the trade automatically when they're met. ML models in the background can help fine-tune the strategy over time. With the AI in fintech markets worldwide growing rapidly, more platforms are now offering retail investors access to AI-powered trading tools. Chatbots and Customer Support Customer service in fintech is expensive due to repetitive queries and long wait times. AI chatbots can handle queries and reduce the human load. Natural Language Processing (NLP) enables these bots to understand user intent and deliver accurate responses. Advanced ML models allow the bots to learn from interactions, becoming smarter and more helpful over time. Examples : Erica by Bank of America helps users track spending, pay bills, and get financial tips. Additionally, Cleo and Plum are AI-powered financial assistance for millennials, offering witty responses and budgeting help. Final Thoughts AI and ML have given extraordinary powers to the fintech industry. From fraud detection to personalised saving and investment plans, these technologies have revolutionised how financial services are delivered, making them more efficient, secure, and user-centric. The rise of AI in fintech is helping companies create smarter, user-first financial products, and the businesses need to hire AI developers that will incorporate it will be in a better position to lead tomorrow's financial revolution. TIME BUSINESS NEWS
UPI
2 days ago
- UPI
Tesla shareS end week in decline amid third straight quarterly loss
Guests attend the opening of the retro-futuristic Tesla Diner & Drive-In in Los Angeles on Monday to view a prototype for a new form of deluxe Tesla charging stations. Photo by Jim Ruymen/UPI | License Photo July 24 (UPI) -- Tesla's shares price declined 1.74% for the week on Friday, two days after posting declining profits for a third straight quarter amid increased competition and a pending loss of federal tax credits. On Friday, the stock price closed at $316.06, up $10.76, or 3.52%, from the day before, when the stock slumped 8.2%. Its market capitalization slumped to $984.73 billion. Tesla earnings report was released after the market closed on Wednesday. Tesla is down 16.7% year to date but up 43.5% from one year ago, according to NASDAQ. Tesla's price was as low as $284.70 on June 5 when Elon Musk's feud with President Donald Trump intensified and $221.85 on April 8 when stock indexes and bond market were tumbling before Trump announced a pause on harsh tariffs on trading partners. The company's stock price reached a record of 479.86 on Dec. 17 before Trump entered the White House as president again on Jan. 20. Tesla first began trading on June 29, 2010, with an initial price offering of $17 but opened trading at $19 per share. Back then the only car for sale was the Roadster and two years before the Model S hit the market. The top-selling cars are now the Model Y SUV and Model 3 sedan. Musk wasn't Tesla founder but he invested early and served as chairman and took over as CEO in 2008. The conference call Thursdsay was light in earnings information and more focused on robotics and artificial intelligence. "The company offered remarkably little detail on some of the most important factors" - like its mysterious new lower-priced model - "making our outlook lean more on imagination than realistic targets," Truist's William Stein, who has a hold rating on Tesla, said in a note after the call in a report by CNN. "I wouldn't say it was a conference call that should be put in the Hall of Fame," Dan Ives of Wdbush Securities, told CNN on Thursday, but said he is still bullish on Tesla's robotics future with Musk in charge. "Communication on the call was less than stellar in terms of details, and I think that definitely played into the selloff that we're seeing." Tesla later told staff Thursday it plans to launch its Robotaxi service in San Francisco this weekend, according to an internal memo obtained by Business Insider. Tesla has a permit for testing its self-driving software in California with a driver behind the wheel. Earning report Looking back, Tesla sold $22.5 billion worth of products during the second quarter, which is $3 billion less than the $25.5 billion in sales during the same period in 2024. Tesla reported $1.2 billion in earnings profit from April to June, which is down from $1.4 billion a year earlier. The earnings drop is the third straight quarter for the EV maker that last reported an earnings gain during the third quarter last year. Driving much of the loss is a decline in Tesla vehicle sales, which totaled $16.7 billion during the second quarter -- down by 16% from a year ago. Tesla delivered 384,000 vehicles during the second quarter, which is 14% fewer than a year ago, the company announced in July. Several factors have contributed to the decline in Tesla sales, including the end to federal tax credits for buying electric vehicles and increased competition for EV makers in China and elsewhere. Musk recently cautioned investors about the approach of a "few rough quarters" due to the loss of the federal EV tax credits. A recently signed budget bill that Trump dubbed "one big, beautiful bill" eliminates a $7,500 federal tax credit after September. Trump said he does not intend to eliminate federal subsidies for Tesla, though. "I want Elon and all businesses within our country to thrive ... like never before," Trump said in a Truth Social post on Thursday. "The better they do, the better the USA does, and that's good for all of us," Trump added. Tesla also posted a decline in new vehicle registrations in Europe in July and only sold 4,300 units of its Cybertruck during the second quarter. Tesla sold about half as many Cybertrucks during the second quarter than it did a year earlier, according to Cox Automotive. Musk has announced Tesla will soon offer a new EV that costs less after beginning production in June. Industry analysts anticipate it will be similar to Tesla's electric Model Y SUV. Tesla's declining EV sales come as demand for EVs has grown by 1.5% so far in 2025 in the United States and by 32% and 26%, respectively, in China and Europe, Cox Automotive and Rho Motion reported. China's BYD EV maker is growing its market share there, while JATO Dynamics reported Volkswagen has overtaken Tesla as the top EV seller in Europe. Recent political turmoil also has led to negative publicity for Musk and Tesla by extension. Musk's recently controversial activities as the former director of the Department of Government Efficiency, subsequent fallout with Trump and recent announcement of founding a third political party have preceded declines in sales and Tesla's share price.
