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By 22 November 2021
A PS5 restock event will be happening at Walmart today – so get prepared
Walmart Plus is giving customers early access to both PS5 restocks and Black Friday deals this year. That means there’s plenty of value in taking the service out for a spin. The membership costs $13 a month, but you can pick up a 15-day free trial to test it out first. Note: trial users won’t be able to gain early access to today’s PS5 restock.
PS5 restock alert! There’s going to be a drop of Playstation 5 consoles today at Walmart, with early doors access available up to three hours ahead of time for Walmart Plus members. This was first rumoured to be true from a sales ad that found its way online recently, but with the official start times listed on Walmart and many waiting in the wings to pounce, everything is lined up and ready to go.
The PS5 restock is happening in line with Walmart’s Black Friday PS5 deals that launch today, but there is a slight twist to this stock drop: Walmart Plus members will have early access, and that early access will start at 4pm ET.
We’ve seen a few retailers put early access or priority queues out for those who are signed up to premium services before, and this looks to be a trend that’s staying. That means that the best way to have a good shot at a PS5 stock today is to sign up for Walmart Plus immediately.
PS5 | $499.99 at Walmart
Live at 4pm ET / 1pm PT – early access
This Walmart PS5 restock is going to be a proper stock drop. And that means you’ve got to be prepared to be as smooth and as quick as possible. It’ll be just as highly sought-after as it has been all year, so get there in advance and be prepared to strike.
PS5 Digital Edition | $399.99 at Walmart
Live at 4pm ET / 1pm PT – early access
This Walmart PS5 restock will also have the Digital Edition up for grabs too so if you’re looking to go digital-only in this new-gen of consoles then this is the one to aim for today. Proving very popular indeed, alongside it’s disc drive brother, the fight will be fierce for this model too.
Walmart Plus, luckily, is not that expensive at all, and you can always cancel it after you’ve used it. You’ll get that aforementioned Black Friday early access, as well as free delivery, member prices on fuel, and other in-store perks as well, all for just $12.95 a month.
Also, while there is a 15-day free trial available you won’t just be able to use this for early access – these privileges are not extended to you if you’re only on a trial sub.
We’re hoping that Walmart has got stacks and stacks of consoles lined up for this PS5 restock, so even those people without WalmartPlus might get lucky. Whatever your plan, though, you should get in there nice and early, ensure your details are correct and make sure you’re all set. As always, this is going to be a fiercely fought-over stock drop, and there’ll also be folks going for the Walmart Xbox Series X restock which is also today.
PS5 ($499.99 / £449.99) | Check at Amazon
The full console is best for those looking for the complete PS5 experience (and a good serving of PS4 as well). The only difference here is that disk drive, but considering you’ll be saving money buying physical games rather than being locked into the PS Store, there’s plenty of value here.
PS5 Digital Edition ($399.99 / £359.99) | Check at Amazon
If you’re looking to spend as little as possible, there’s always the Digital Edition. There’s no disk drive here, so you are limited to your digital library (and Sony’s own PS Store), but if you don’t have a large physical PS4 collection and you’re savvy with those PS5 game sales, this could be the better option.
PS5 restocks come and go with such speed that it can be frustrating working out exactly how to break through to the site and then to checkout. We see plenty of retailers with site slow-downs, and customers having their consoles sniped out of their carts right at the last second. Over the year we’ve spent tracking PS5 restocks, then, these are the tips we’ve found most helpful.
Follow retailers and stock trackers
Before racing to checkout, you’ll have to be in the right place at the right time to make sure you’ve got a fighting chance at a PS5 restock. That means keeping a close eye on retailers via social media so that you never miss an announcement.
Sign in and save your payment details
When it comes down to the wire, it’s important to note that seconds can mean the difference between successfully checking out with a console in your cart and walking away with an L. Sign into your favorite retailers ahead of time, and make sure you stay signed in, saving your payment and shipping details to speed through the checkout process at crunch time.
When the time comes, you’ll want to keep that refresh button warm. Retailer sites are under considerable strain during large PS5 restocks, with so many consumers flooding to a single page so quickly. That means you’ll need to brute force your way through, with as many tabs open as you can manage.
Don’t give up
We often see retailers launching PS5 stock in waves, which means you won’t want to walk away too soon. Even when the page suggests the console is out of stock, we’d recommend spending a little while longer refreshing. You never know when the next round will begin and you might land lucky.
If you manage to secure the console, don’t forget to check out our guides on the best PS5 headsets and best TV for PS5. Equally, our PS5 SSD or best PS5 external hard drives guides may be of use if you’re looking for bonus storage.
I’m one of the Hardware Editors for GamesRadar+, and have been for nearly three years; I’ve also been a writer on games – freelancing and the like – for four or so years for the likes of Eurogamer, RPS, PCGN, and more. Day to day, I take care of a whole host of gaming tech reviews, buying guides, and news and deals content that pops up across GamesRadar+. I’m also a qualified landscape and garden designer so do that in my spare time, and use it to write about games’ landscapes and environments too, including an upcoming book on the topic!
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5 education issues to watch as Tennessee lawmakers return – Chalkbeat Tennessee
One year after tackling pandemic-related school challenges during a special legislative session called by Gov. Bill Lee, Tennessee lawmakers return to the Capitol this week with another major focus on students: how to fund public education.
Lee wants to overhaul the 30-year-old formula that determines how much money the state distributes to school systems, as well as how much local governmental agencies should contribute. He’s expected to work with fellow GOP leaders to offer a legislative proposal this month.
But some say the legislature shouldn’t rush that discussion, especially since it took years to come up with the current formula known as the Basic Education Program, or BEP.
“It’s OK to hold this and keep working on it if we need to,” said Rep. Scott Cepicky, a Republican from Maury County. “Let’s get this right.”
Lawmakers also aren’t inclined toward a lengthy session during an election year. They’ll look to pass a budget and wrap up by mid-April, if possible, so they can return home to campaign.
Until then, here are five issues to watch:
Since October when Lee called for a review of the state’s funding formula, Education Commissioner Penny Schwinn has spearheaded the process that included eight town halls and dozens of meetings with policymakers and education leaders.
Last week, she called the issue “the biggest policy decision we make” and said Tennessee should seize this “moment in time.” She also hinted a draft proposal will be unveiled early this week.
“There is funding that is potentially available, there is momentum. We see need across the state,” she told a forum hosted by Tennesseans for Quality Early Education.
The review, which aims to shift Tennessee to a more student-centered funding approach, has drawn public praise but generated private concerns about its intent. Many public school advocates worry the goal is to pave the way for a new private school voucher program halted by ongoing litigation, though the governor has denied that.
“I’m trying to keep an open mind and not draw conclusions before getting all the information,” said Sen. Ferrell Haile, a Gallatin Republican who is on Lee’s 12-member review committee to create a new strategy.
Schwinn said any future formula must factor in the needs of individual children. That includes students who have disabilities, are English language learners, or come from low-income families.
Currently, enrollment is the main component of the BEP, a formula with 46 components that determine how much school systems receive to pay for teacher salaries and other needs like textbooks, technology, and bus transportation. But districts have flexibility on how to spend that money, which explains why the BEP is considered a funding formula, not a spending plan.
“We want to put more money into education, but we want to make sure the money is being spent well,” said Rep. Mark White, a Memphis Republican who chairs a House education committee and supports forging a new formula this year. “Let’s give it our best shot.”
Whether the state revises its funding formula this year or not, the legislature must pass a budget for the fiscal year that begins July 1 — and is flush with cash. Tax collections during the pandemic’s economic rebound were higher than projected. The state also is sitting on hundreds of millions of dollars in federal grants intended to help working low-income families.
Meanwhile, Tennessee ranks 44th in the nation for student funding, according to the Education Law Center, which gave the state Fs last year for its funding level and funding effort.
The state’s BEP review committee, an influential panel of policymakers and education leaders, has urged the governor to prioritize more funding for school nurses and counselors to get Tennessee to nationally recommended ratios. A $110-million annual investment would fund 1 nurse for every 750 students instead of the current 1:3,000, and 1 counselor for every 250 students instead of the current ratios of 1:500 and 1:350 for elementary and secondary schools, respectively.
In addition to perennial discussions about raising teacher pay, there’s talk about expanding Tennessee’s pre-K program, which serves a fifth of the state’s 4-year-olds. Most districts have waiting lists.
During the pandemic, consensus has grown that pre-K and early grades are the best places for impactful interventions to address learning lag and social-emotional challenges.
“It’s a timely topic that is deserving of deep discussions,” Haile said.
A controversial proposal to limit which supplemental materials teachers can use advanced last year in two House panels before stalling in the Senate Education Committee.
Sen. Janice Bowling, a Republican from Tullahoma, promised to bring her bill back for consideration this year and address worries that “good” materials from organizations like the Tennessee Farm Bureau could be excluded.
The bill, co-sponsored by Rep. Terri Lynn Weaver of Lancaster, would prohibit teachers from using materials that supplant state-approved textbooks unless district leaders approve those materials in advance. Any approved print or electronic materials would be listed on district websites.
“We absolutely need to do something,” agreed Sen. Brian Kelsey, a Republican from Germantown, “but we need to do it in a way that doesn’t have unintended consequences.”
The president of the state’s largest teachers organization called the proposal “demoralizing” for teachers and logistically impossible for school districts. For instance, a teacher couldn’t use yesterday’s newspaper in a current events class.
“This is a move toward completely scripted lessons,” said Beth Brown of the Tennessee Education Association, noting that a new Tennessee law already restricts what teachers can discuss in their classes about racism, white privilege, and unconscious bias.
State testing went well last year, with a 95% participation rate despite the pandemic. But lawmakers are still expected to bring several proposals to change when and how tests are administered.
Expect one proposal to require that testing occur during the last 20 days of the school year, instead of the earlier testing window set by the education department.
“That’s going to give our teachers an extra 30 days of instruction time, which is a lot,” said Cepicky.
Other likely legislation would require students in grades 3-8 to continue testing on paper, while local school systems could opt to move students in higher grades to online exams.
This school year, Tennessee high schoolers are taking their exams online under the state’s plan to transition back to computerized testing after several years of technical snafus.
Should teachers be judged on how much their students know — or how much they grow?
Tennessee has mostly focused on the latter when evaluating their educators and schools through an academic growth model that measures learning over time, regardless of whether students are proficient.
But the complexity and opaqueness of the state’s statistical growth method, combined with increasing frustration over low student proficiency, could renew that debate among lawmakers this year.
“We’ve been doing this for 10 years, and where are we?” asked Cepicky, complaining that only a third of the state’s third graders are reading on grade level.
“Meanwhile, we’ve created an evaluation system where a teacher can get an A in academic growth even if their students aren’t proficient readers. We’ve got to get that commitment back to getting our kids proficient,” he said.
Such a move would mark a dramatic change for Tennessee, considered a pioneer in using “value-added” measurements to judge teachers and schools. For a decade, the guiding principle has been that all students can advance, regardless of out-of-school factors like poverty that might hold them back.
Other issues are sure to surface before this year’s legislature, including more funding for charter school facilities and how to address the state’s worsening teacher shortage. The statistics on the teacher supply is especially troubling, with thousands of Tennessee educators expected to retire by 2024 and fewer candidates entering teacher training programs.
“We’ve got to be creating multiple pathways to teaching in our state, and we’ve got to have a competitive wage,” said JC Bowman, executive director of Professional Educators of Tennessee.
The 2022 session of the 112th General Assembly convenes at noon Central Time on Tuesday. Visit the legislature’s website to track legislation, livestream meetings, and contact legislators.
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Made a Lot of Money in the Stock Market This Year? Here's How to Lower Your Capital Gains Taxes. – The Motley Fool
Returns as of 01/18/2022
Returns as of 01/18/2022
Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services.
Despite recent volatility, it’s been a pretty strong year for the stock market. And at this point, you may be sitting on gains in your portfolio, at least on paper. If you’re eager to sell some stocks at a profit and make those gains official, you should know that doing so could raise your tax bill significantly.
Whenever you sell investments at a profit, you’re required to pay capital gains taxes, the amount of which will hinge on how long you hold those stocks prior to unloading them. If you keep your stocks for a year or less before selling them, you’ll be subject to short-term capital gains, which are taxed the same way as ordinary income. If you hold your stocks for at least a year and a day before selling, you’ll be bumped into the more favorable long-term capital gains category.
But either way, capital gains could cause you to owe the IRS quite a bit of money. And so if you’re looking at a big profit this year, there’s one move it pays to make.
Image source: Getty Images.
Your goal as an investor is no doubt to buy stocks that make you money. But sometimes, that doesn’t happen.
When you get stuck holding stocks that are underperforming, sometimes, selling them at a loss is your best option. But the good news is that taking a loss in your portfolio is a great way to minimize the hit of capital gains taxes.
Say you’re sitting on $10,000 in capital gains this year. If you take a $10,000 loss in your portfolio, you’ll cancel out the capital gains taxes you owe. And, just as importantly, you’ll free up money you can use to invest in different stocks — ones that may perform much better or lend to more diversity in your portfolio.
Now you may end up with capital losses that exceed your gains for the year. But that’s OK, because you can use some of that excess loss to offset ordinary income — up to $3,000 worth, in fact.
So, say you take a $10,000 loss in your portfolio but you only have a $7,000 gain this year. In that case, you’ll still get to use your entire loss for the current tax year.
But even if that’s not the case — say, you have a $10,000 loss and only a $6,000 gain — you can carry the remainder of your loss into future tax years and use it to offset your tax bill at the time. So for example, in this scenario, you’d carry $1,000 of your loss into 2022 and potentially use it then.
Making money on stocks is a good thing, but only if it doesn’t cause a huge tax crunch for you. If you’ve profited nicely in 2021, it pays to see if there are losing stocks in your portfolio worth selling. Doing so could really help minimize this year’s tax burden, not to mention set you up with more money to invest with in 2022.
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HOD tackles license portability, policy changes – American Veterinary Medical Association
The AVMA House of Delegates (HOD) took on issues such as veterinary license portability across states and policy changes at a weekend meeting held January 7-8, during the Association’s annual Veterinary Leadership Conference.
The House’s Veterinary Information Forum addressed ways to make it easier for veterinarians licensed in one state to gain licenses in other states, as well as how to increase support for veterinary team members. During its regular business meeting, the House approved a new policy supporting collection of antimicrobial use data as well as updates to the AVMA policies on rabies and rabies vaccination waivers.
The AVMA News team reported on all of the HOD actions in articles published shortly after the meeting concluded. These are available for all in the profession to read online:
The House also said farewell to four colleagues for whom the weekend meeting was their last one as members of the House of Delegates. Please join in congratulating and thanking these volunteers retiring from the House of Delegates. Those retiring, their affiliation, and years of service were:
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