The fourth year of the Close-up Photographer of the Year competition has just come to a close, and the winners have been announced. The contest “celebrates close-up, macro, and micro photography,” among 11 separate categories. More than 9,000 entries were received from 54 countries this year. Contest organizers have once more been kind enough to share some of the winners and finalists with us below.


RIDGEFIELD, CT — It’s cold, and the ground is frozen, but that doesn’t excuse Ridgefield homeowners from performing some important garden maintenance this month, according to one local expert.

Lisa Chuma, a member of The Ridgefield Garden Club, says gardeners should take the month of January to reflect upon Gardens Past and act accordingly.

“Just think about what worked, what you liked, what you didn’t like, or what you saw in someone else’s garden that you liked, and plan to make changes to your own garden,” Chuma said.

Once you have a firm vision of your spring and su…….

Source: Getty Images

Written by Andrew Walker at The Motley Fool Canada

Suncor (TSX:SU) and TD Bank (TSX:TD) are top TSX dividend stocks to consider in 2023 for passive income. Both stocks are now down considerably from their 12-month highs, and investors are wondering if one might be good to buy today for an income portfolio.


Suncor trades near $40 per share at the time of writing compared to $53 last June. The pullback has occurred amid a plunge in oil prices from the 2022 highs. West Texas Intermediate oil currently trades near US$74 per barrel compared t…….

Image source: Getty Images

Passive income is the term used to describe earning money without being actively involved. There are generally three types — dividends from investing, rental income from an asset, and royalties.

For me, investing in the stock market is the most accessible. I don’t have the deposit required to purchase a property. Neither do I have the talent required to, for example, write a piece of music or develop software that could generate a recurring revenue stream.

Although there are never any guarantees, the easiest way for me to generate additional …….

What is financial independence? This is a question that many people ask, and there is no one simple answer. Financial independence can mean different things to different people. Generally, though, it refers to the state of being able to live comfortably without having to work for money. It’s a dream that many people have, and it’s achievable if you put your mind to it!

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Mortgage rates are still twice what they were a year ago, but home prices have been falling since June, and that’s finally making consumers feel better about what had been an overheated, highly competitive housing market.

A monthly housing sentiment index from Fannie Mae showed sentiment improving from November to December. The index is still lower than it was a year ago and just slightly off its record low set in October and November.

related investing news

The share of respondents saying now is a good time to buy a…….

Homebuyers hoping for a better climate in 2023 have longer to wait, as they now face the highest mortgage rates to start a new year since 2002.

However, analysts remain hopeful that today’s volatile rates will stabilize in the coming months.

“While mortgage market activity has significantly shrunk over the last year, inflationary pressures are easing and should lead to lower mortgage rates in 2023,” says Sam Khater, Freddie Mac’s chief economist.

“Homebuyers are waiting for rates to decrease more significantly, and when they do, a strong job market and a large de…….

Stock futures were down Tuesday as concern over higher rates lingered among traders awaiting comments from a closely followed Federal Reserve leader.

Futures tied to the Dow Jones Industrial Average shed 165 points, or 0.5%. S&P 500 futures fell also fell 0.5%, while Nasdaq-100 futures dropped 0.7%.

Atlanta Fed President Raphael Bostic said Monday that interest rates should rise above 5% and stay there for a “long time.” Meanwhile, San Francisco Fed President Mary Daly said the central bank should continue raising rates, albeit at a slower pace. Treasury yields rose slightly…….

Jan 10 (Reuters) – Coinbase Global Inc (COIN.O) said on Tuesday it will reduce its workforce by about 950 employees as part of a restructuring plan, in a third round of layoffs for the cryptocurrency exchange since last year.

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Reports released on Tuesday by Start-Up Nation Central (SNC), SNPI, IVC, and LeumiTech have revealed a 42% drop in investment in Israeli startups in 2022. According to both reports, the hit was felt by both late and early-stage startups.

According to SNC and SNPI, the total volume of investment in 2022 plummeted by almost half – from an unprecedented $27 billion in 2021 to $15.5 billion in the past year. Nevertheless, this is the second-best investment year ever for local startups. For the sake of comparison, investments in Silicon Valley high-tech companies also declined by 40%. <…….