As we navigate through 2023, the cryptocurrency landscape continues to evolve dramatically. While Bitcoin remains the stalwart of the market, altcoins are emerging rapidly, transforming from mere hype to genuine investment opportunities. This article explores the factors contributing to the rise of altcoins this year and highlights some promising projects gaining traction.
The Shift in Sentiment
The past few years have been a rollercoaster for cryptocurrencies. As the dust settled from the 2022 downturn, investors became more discerning. Instead of investing in any available token, they began to favor projects with strong fundamentals and real-world applications.
Innovations Driving Growth
Several key innovations are driving the interest in altcoins in 2023:
DeFi Expansion: Decentralized finance (DeFi) platforms have continued to flourish, allowing altcoins to offer unique financial services that challenge traditional banking.
NFTs and Gaming: The intersection of non-fungible tokens (NFTs) and gaming is creating new economic ecosystems, with altcoins serving as currency within these platforms.
Sustainability Focus: Many new altcoins are focusing on sustainability, attracting environmentally conscious investors and developers.
Notable Altcoins Gaining Attention
Several altcoins are making headlines in 2023 for their potential and innovative features:
Ethereum (ETH): Continued upgrades with Ethereum 2.0 are solidifying its position as the leading smart contract platform.
Cardano (ADA): Known for its robust development community, Cardano is making strides with various partnerships.
Polkadot (DOT): As an interoperable platform, Polkadot is attracting projects looking to leverage its unique capabilities.
Chainlink (LINK): As the go-to oracle network, Chainlink is essential for many smart contracts, driving its demand and utility.
Challenges Ahead
While the prospects for altcoins look promising, challenges remain. Regulatory scrutiny continues to grow, which could impact projects differently. Additionally, the volatility inherent in the cryptocurrency market may deter some investors.
Conclusion
In summary, the rise of altcoins in 2023 is a testament to the maturation of the cryptocurrency ecosystem. As investors shift their focus towards projects with tangible value and innovative solutions, the altcoin landscape promises to be more than just a passing trend; it heralds a new era of digital finance and technology.
SALT LAKE CITY — The two largest ski resort owners in North America face a class-action lawsuit that claims the companies artificially inflated daily lift ticket prices to “coerce” skiers and snowboarders to buy expensive season passes.
Four skiers, three from Colorado and one from Massachusetts, claim in the lawsuit filed in federal court in Denver that Vail Resorts and Alterra Mountain Company engage in anticompetitive practices that violate antitrust laws.
“For years, skiers have been told that soaring lift ticket prices, reduced choice, and overcrowding are simply the new reality,” Greg Asciolla, a lead attorney for the plaintiffs, said in a statement, per Reuters. “Our complaint alleges that these outcomes are not the result of healthy competition, but of exclusionary conduct by two companies that dominate access to the most desirable destinations.”
The rise of the mega pass
Vail Resorts fundamentally changed the ski industry when it introduced the Epic Pass in 2008. The multi-mountain season pass provides access to what are now 42 Vail-owned ski areas and another 30 it contracts with around the world. Alterra followed with its Ikon Pass in 2018, for 18 resorts it owns, plus another 70 it has deals with.
In Utah, the Epic Pass is good at Park City Mountain, while the Ikon Pass is good at Alta, Snowbird, Brighton, Solitude, Deer Valley and Snowbasin.
Snowboarders and skiers are pictured at Snowbird in Little Cottonwood Canyon on Jan. 9. The resort’s owner is facing a lawsuit over daily lift ticket prices. (Photo: Laura Seitz, Deseret News)
For the 2025-26 season, a full Epic Pass sold for $1,051, while a full Ikon Pass went for $1,329. Locals-only season passes run a little cheaper.
After introducing the multi-mountain passes, Vail and Alterra raised daily lift ticket prices sharply, exceeding $350 a day at top-tier ski resorts.
“But this is no accident, or the result of competitive market forces … lift tickets for ski areas within the Epic and Ikon ecosystems are priced in a way to induce (or coerce) customers into buying the mega pass bundles,” according to the lawsuit.
Why daily lift tickets cost so much
Speaking about the advent of the Epic Pass and the increase of daily lift ticket prices across the industry, Vail CEO Rob Katz told The Wall Street Journal that “this was an industrywide, ultimately global transformation that happened that our company absolutely led.
“And part of that was making the season pass the absolute best opportunity you could have and then make the lift ticket more expensive. If you’re going to walk up to a ski resort and buy a lift ticket, you’re not giving the ski resort any advance commitment.”
The pass commits skiers and snowboarders to buy before the season starts, not knowing whether it will be a good snow year or not. It provides resort operators a reliable income stream regardless of the weather.
Vail Resorts, a publicly traded company, sells about 2 million Epic passes a year. The lawsuit estimates that privately held Alterra sells about 1 million Ikon passes annually.
The lawsuit contends that while the season passes generate hundreds of millions of dollars for the companies, they are not good deals for customers.
“Skiers and snowboarders are led to believe they are making a cost-conscious decision in buying the Epic or Ikon mega pass, but in reality, and as a result of Vail Resorts’ and Alterra’s respective anticompetitive schemes involving bundling, they are in fact being forced into buying a mega pass, which is itself maximally (over)-priced up to the point where it looks like a good deal when compared to the overpriced lift ticket. In short, both the lift ticket and the mega pass are overpriced,” according to the complaint.
Construction progresses at Deer Valley Resort in Park City on Nov. 5. The resort’s owner is facing a lawsuit over daily lift ticket prices. (Photo: Laura Seitz, Deseret News)
What the ski resort companies say about the lawsuit
Vail and Alterra say the claims in the lawsuit are without merit.
“We launched the Epic Pass in 2008 to make skiing and riding more accessible, reducing the price of a season pass by 60%,” according to a Vail spokesperson, adding it’s still one of the best values in the industry, especially following our further 20% price reduction in 2021.
“As we acquired smaller resorts over the years, we also launched new, lower-priced pass products, such as the Epic Day Pass Local and Limited, for guests who only want to ski close to home,” to the spokesperson.
“We will always give the best value to our pass holders who commit ahead of the season —but that said, we have also been intentional to price our lift tickets, sold in season, on a resort-by-resort basis, including numerous new discount opportunities this past season.”
Last month, Vail cut the price of an Epic Pass by 20% for people aged 13 to 30 to attract and retain Gen Z skiers and snowboarders.
An Alterra spokeswoman said the Ikon Pass “provides the best value” with its access to more than 70 ski areas.
“We believe these claims have no merit and intend to defend ourselves vigorously,” the spokeswoman said in a statement emailed to the Durango Herald. “It is disappointing that we are forced to defend this baseless claim and divert any attention away from operating our business and delivering incredible experiences.”
The lawsuit contends high lift ticket prices for people who don’t ski often and locals “who lose meaningful choice about where to go” because the season pass model “channels” them to only affiliated resorts.
Vail skier visits, season pass revenue down
Skiers and snowboarders exit Park City Mountain Resort’s Town Lift along Main Street in Park City on Jan. 2. A lawsuit over daily lift ticket prices against the resort’s owner comes as the West experiences its lowest snowfall ever. (Photo: Isaac Hale, Deseret News)
Park City Mountain and its five ski areas in Colorado generate the largest share of the company’s revenue, according to the company’s second-quarter fiscal report, released March 9.
Vail had a net income of about $210 million, down from $244.4 million during the same period last year.
Season-to-date total skier visits were down 11.9% at Vail’s North American ski areas compared to the prior year. A skier visit is counted each time a person uses a lift ticket or pass at a resort. Total lift revenue, including season pass revenue, was down 3.6%.
“This has been the most challenging winter across the Rockies that we have ever experienced with the lowest snowfall levels in more than 30 years for our Colorado and Utah resorts, combined with warmer temperatures, resulting in reduced terrain throughout the quarter and into February,” Katz said in the report.
“Given that backdrop, we are pleased with the strength and stability shown by our operating model, as we reported only modest declines in lift revenue in what many would consider a worst-case weather scenario.”
The Key Takeaways for this article were generated with the assistance of large language models and reviewed by our editorial team. The article, itself, is solely human-written.
Could today be your lucky day when you become the next Powerball millionaire?
The Powerball jackpot is an estimated $217 million with a cash option of $98.6 million for Saturday night’s drawing, according to the Powerball website.
The last jackpot won was March 2, with a single winner in Arkansas winning $251 million.
The Mega Millions jackpot is at $100 million, according to the Mega Millions website.
The Powerball winning numbers for Saturday, April 4, 2026 will be listed here when they’re available. The numbers are in.
Powerball winning numbers for April 4, 2026
The Powerball winning numbers for April 4, 2026 are 13-65-41-6-3. Powerball 1. Power Play 4x.
Did anyone win the April 1 Powerball jackpot?
No.
To find the full list of previous Powerball winners, click the link to the lottery’s website.
When is the next Powerball drawing?
After tonight’s drawing, the next Powerball drawing is Monday, April 6. Powerball drawings are held three times a week – Monday, Wednesday and Saturday at 10:59 p.m.
How late can you buy a Powerball ticket in New York?
In New York, in-store and online ticket sales are available until 10 p.m. on the night of the draw. In New Jersey the deadline is 9:45 p.m. and in Connecticut the deadline is 10 p.m.
How to play Powerball
Choose five numbers 1 to 69 and one number 1 to 26 to be your Powerball. To win the Powerball jackpot, match the six numbers on your ticket to the drawn six-number combination (five numbers plus the Powerball).
The odds of winning the jackpot prize are 1 in 292.2 million.
Powerball ticket locations in NY
Powerball tickets cost $2 each. Here’s where to find the closest New York Lottery game retailers near you.
Cryptocurrency has made waves across the globe, stirring excitement and skepticism in equal measures. As people learn more about this digital asset, several myths have surfaced, often leading to misunderstandings. In this article, we aim to clarify what cryptocurrency can and cannot do.
What Cryptocurrency Can Do
1. Facilitate Peer-to-Peer Transactions
Cryptocurrency allows for direct transactions between individuals without the need for intermediaries like banks. This enables quicker and often cheaper transfers of value.
2. Provide Financial Inclusion
With the ability to access cryptocurrency via a smartphone and the internet, unbanked populations can participate in the global economy, offering financial services to those who have been historically excluded.
3. Enhance Security and Privacy
Cryptocurrency transactions are secured through cryptography and blockchain technology. This ensures that transactions are secure and can be conducted with a level of privacy not typically offered by traditional financial systems.
4. Serve as a Store of Value
Many cryptocurrencies, like Bitcoin, are considered digital gold. They are limited in supply, which makes them attractive as a hedge against inflation.
What Cryptocurrency Can’t Do
1. Replace Traditional Currencies Overnight
While cryptocurrencies are gaining acceptance, they are not yet widely used as a medium of exchange in everyday transactions. Full integration into global financial systems is a complex challenge.
2. Eliminate Scams and Fraud
Despite the decentralized nature of cryptocurrencies, scams and fraudulent activities exist. Investors must remain vigilant to avoid falling victim to deceitful schemes.
3. Guarantee Instant Wealth
Many people are drawn to cryptocurrencies as a way to quickly amass wealth. However, the market is highly volatile, and investments carry risks just like any other asset class.
4. Ensure Complete Anonymity
While transactions can be conducted with a degree of privacy, cryptocurrency transactions are recorded on a public ledger. Advanced forensic tools can trace transactions and potentially reveal identities.
Conclusion
Cryptocurrency embodies a revolutionary technological advancement with the potential to transform economies and financial systems. However, it’s important to have realistic expectations. By understanding what cryptocurrency can and cannot do, individuals can make informed decisions in this ever-evolving landscape.
Covered the Lakers and NBA for ESPNLosAngeles.com from 2009-14, the Cavaliers from 2014-18 for ESPN.com and the NBA for NBA.com from 2005-09.
Multiple Authors
LOS ANGELES — After Luka Doncic scored 42 points with 12 assists in the Lakers‘ 127-113 win over the Cavaliers on Tuesday, coach JJ Redick heaped major praise on his superstar for his performance in the month of March.
“I think Luka has had as good of a month as anybody that I can remember in the modern NBA, at least since I’ve been part of it,” Redick said.
It was Doncic’s third straight 40-point game, lifting his March scoring total to 600 points — joining Michael Jordan in 1987 as the only players to reach the mark in March and one of only 10 players to score 600 points in any month.
As dominant as Doncic was, so too were the Lakers, finishing the month with a 15-2 record.
“If you don’t win, it doesn’t really mean anything,” Doncic said when asked about his scoring spree. “So the run we’ve been on, it means a lot.”
For Doncic, who eclipsed 15,000 career points during the game and thoroughly outperformed Cleveland star Donovan Mitchell — who finished with 10 points on 4-for-10 shooting and six assists — it was also another MVP-type performance.
But he once again refrained from being his own advocate for the award.
“I never did that [in the past],” Doncic said. “I’m not the one voting. … But I think I’ve been playing pretty good. We’ve been winning. So that’s it. That’s all I got to say.”
The win over the Cavaliers was notable for more than just Doncic.
It was the 1,229th win (regular season and playoffs) of LeBron James‘ career, passing Kareem Abdul-Jabbar for the most wins by any player in NBA history.
It was also the 100th win of Redick’s coaching career as he became the first Lakers coach since Phil Jackson to guide the team to 50 wins in back-to-back seasons.
“Don’t deserve to be mentioned along with Phil or Pat [Riley] or any of those guys,” Redick said. “I’ve got a lot left to accomplish, for sure. … I’ve had the same [coaching] staff for the most part both years. I think just we are resilient and we’re resolved.”
And they are almost at the finish line to the regular season, clinching a playoff berth Tuesday with six games remaining. Two of those six games are against the Oklahoma City Thunder, starting Thursday on the road.
Just like Cleveland beat Los Angeles by 30 earlier in the season and this improved version of the Lakers exacted some revenge Tuesday, they will have a chance to make up for two losses to the Thunder this season — including one loss by 29 points.
And as hot as Doncic and the Lakers were in March, Shai Gilgeous-Alexander and the Thunder went 14-1, with the reigning MVP averaging 30.7 points on 56.8% shooting and 6.6 assists for the month.
“Very exciting [matchup],” Lakers guard Austin Reaves said. “Obviously they’re the defending champs. Playing at a high level, obviously one of the best teams in the league, if not the best team. And we have an opportunity to go into OKC and battle them.”
The concept of money has evolved significantly over the centuries, from barter systems to physical coins and notes, and now, we stand on the brink of a new financial revolution with the introduction of Central Bank Digital Currencies (CBDCs). But what are CBDCs, and could they signify the future of money?
What Are Central Bank Digital Currencies?
Central Bank Digital Currencies are a digital form of a country’s fiat currency issued by its central bank. Unlike cryptocurrencies such as Bitcoin, which operate on decentralized platforms, CBDCs are centralized and governed by monetary authorities. This digital currency aims to provide a stable, secure, and efficient means of transaction.
Advantages of CBDCs
1. Enhanced Payment Efficiency
CBDCs can streamline payment processes, reducing transaction times and costs. Digital currencies can enable real-time settlements, thus improving the efficiency of the financial system.
2. Financial Inclusion
One of the most significant advantages of CBDCs is their potential to bring unbanked populations into the financial system. With a smartphone and internet access, individuals can engage in financial transactions without the need for traditional banking services.
3. Greater Monetary Policy Control
Central banks can utilize CBDCs to implement monetary policy more effectively. By having real-time data on transactions, central banks can respond quickly to changing economic conditions.
Challenges of Implementing CBDCs
1. Security Concerns
As with any digital asset, security is a primary concern. CBDC systems must be robust against hacking and fraud to maintain public trust.
2. Privacy Issues
While CBDCs offer many benefits, they also raise significant privacy concerns. Centralized control could lead to increased surveillance, as transactions could be monitored by the central banks.
3. Impact on Traditional Banking
The implementation of CBDCs may disrupt existing banking systems. Banks could face reduced deposit bases, which might affect their ability to lend and could lead to a reshaping of the financial landscape.
Global Developments in CBDCs
Several countries are either piloting or actively researching CBDCs. The People’s Bank of China is at the forefront, launching trials for its digital yuan. Meanwhile, the European Central Bank and the Federal Reserve are exploring similar initiatives, analyzing their feasibility and potential impact.
Conclusion: The Future of Money?
While the prospects of Central Bank Digital Currencies are promising, they are not without challenges. As the world navigates this transition, the potential benefits in terms of financial inclusion, efficiency, and monetary control need to be weighed against privacy concerns and the implications for traditional banking. Whether CBDCs will become the future of money remains to be seen, but their development is undoubtedly a significant step towards modernizing the financial landscape.
LAFC returns to BMO Stadium following the final international break before the World Cup, hosting Eastern Conference opponents Orlando City SC for an MLS regular-season match presented by SuperFile.
After five MLS matchdays LAFC stands unbeaten and in first place in the Western Conference with a record of 4W-0L-1D (13 points). The Black & Gold has not conceded a goal in MLS play so far, becoming the first club in MLS history to post five straight clean sheets at the start of a season. LAFC owns a 3W-0L-0D record at home this year, including a 3-nil win over Inter Miami at the LA Coliseum, and has won seven straight MLS home matches dating back to last summer.
Forward Son Heung-Min, fresh off international duty with South Korea, leads all MLS players with seven assists across all competitions so far in 2026. Last season’s MLS Golden Boot runner-up, Denis Bouanga, leads LAFC with five goals scored in all competitions. Twenty-year-old Venezuelan sensation David Martínez has contributed four goals, including two in MLS.
The Month in Photos | March 2026
SCOUTING ORLANDO
Orlando City has gotten off to a tough start following its run of six straight appearances in the MLS Cup Playoffs, the longest current streak in MLS.
The Lions have scored five goals in five games and have conceded a league-high 17 times for a goal differential of -12, which ranks last in MLS.
On March 11 the club parted ways with longtime head coach Oscar Pareja, who had served more than five years at the helm. Pareja’s top assistant Martín Perelman was named interim head coach.
Perelman’s tenure got off to a thrilling start when Orlando acquired star French forward Antoine Griezmann from LaLiga’s Atlético Madrid last week. A former teammate of LAFC goalkeeper Hugo Lloris on France’s national team, Griezmann will join the Lions after the World Cup ends in July.
Lloris and Griezmann became World Cup champions together in Russia in 2018, and made the World Cup final again in 2022 in Qatar.
This year’s Lions have been led by 2025 MLS MVP contender Martín Ojeda (16g/15a last year) who currently leads the team in goals scored with two. Winger Iván Angulo has notched a team-best three assists. Marco Pašalić, an MLS All-Star in 2025, provides danger on the other wing.
Midfielder Braian Ojeda has yet to come off the field in 2026 and leads all Orlando players in minutes played (450).
Two former LAFC players, Black & Gold Original Eduard Atuesta and 2022 MLS Cup champion Maxime Crépeau, currently wear Orlando purple, in midfield and in goal, respectively.
“Because they’ve struggled in the beginning of the season, it’s a red alert for us not to bring our guard down,” LAFC head coach Marc Dos Santos told the media on Thursday. “To be ready, to push the game, to make sure that we’re aggressive. We showed our guys what they’ve been doing since the beginning of the season but we also were clear with the players that look it might be also a moment where they want to change something during these two weeks [the international break].”
INTERNATIONALS RETURN
LAFC welcomes seven members of its MLS senior roster back into the fold after they represented their countries in international play in late March.
While Son (South Korea) and midfielder Mathieu Choiniére (Canada) were logging minutes for their respective World-Cup-bound national teams, most of LAFC’s roster remained in Los Angeles and logged minutes on the training pitch.
“It is important for us to not only keep the guys that we have here fit, but to slowly integrate the guys that are arriving this week in different periods,” Dos Santos said. “Matt Evans arrived earlier in the week, then David [Martínez] arrived, then last night Amin [Boudri], Chonière, Sonny arrived, so just kind of managing slowly the guys coming back and having an idea of what we want to do against Orlando.”
“It’s good to see the guys again,” LAFC midfielder Mark Delgado said. “They’re slowly getting back into rhythm, coming back from international duty, getting the flights out of their legs, and we’re slowly getting the guys integrated again.”
As for Orlando’s internationals, Pašalić took the field for Croatia—which has also qualified for the World-Cup—contributing the winning assist in a 2-1 win over Colombia in a friendly in Orlando last week. Crépeau joined Choiniére on Team Canada, and Braian Ojeda played for Paraguay, which will open the World Cup against the United States in Los Angeles on June 12.
THE SERIES
LAFC has faced Orlando City five times, with the last four matchups taking place in Orlando. The Black & Gold owns a 3W-0L-2D overall record against the Lions, including a 1-1 draw in the Quarterfinals of the MLS Is Back Tournament in July 2020 which saw Orlando advance on penalty kicks.
In their most recent meeting on June 15, 2024, Bouanga scored two goals in a 3-1 LAFC win at Inter & Co Stadium in central Florida.
LAFC CAN WIN IF
It remains focused on securing three points at home instead of on Tuesday’s Concacaf Champions Cup Quarterfinal clash against defending CCC champs Cruz Azul. Just 70 hours after the final whistle against Orlando, LAFC will kick off against the Mexican giants at BMO Stadium, with the second and decisive leg scheduled for the following Tuesday in Puebla, Mexico.
“We can’t look forward too far,” said LAFC midfielder Ryan Raposo. “The staff has been telling us that everyone has to be ready to play. I think from what the coaching staff has said there’s going to be a lot of rotation, a lot of opportunities for guys to prove themselves, and we just need to focus on getting the three points in MLS and then advancing in Champions League.”
ORLANDO CITY CAN WIN IF
LAFC’s early-season evolution hits a snag. The Black & Gold’s defending, and the goalkeeping of Lloris, has carried the club while its playmakers have been working out the kinks, playing through minor injuries, and adapting to new faces and to Dos Santos’ game model. With no defeats through nine total games, LAFC’s imperfect form in the final third has yielded no setbacks thus far.
“I don’t think we’re close to being our best, which is the scary part,” Raposo said. “I think we have a lot more in us. But it’s fine, it’s still early in the year and we’re winning matches. So far it’s OK, but I truly believe that we have another two gears that we can hit, when everyone is at their top form and flying.”
Sturm said Thursday’s result was due to taking the two-time defending champions lightly.
“We didn’t respect our opponent tonight,” said Sturm, whose club finished 0-2-1 against Florida. “They had a lot of guys out, and we didn’t do our job. Shame on us today. … With a team like that, I don’t care who is out, they are a good structure team and played hard. We weren’t willing to do it.”
Added Morgan Geekie, who has a club-high 34 goals: “Tonight, it feels like you let everyone down. Had the opportunities.”
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Can the Bruins rebound? Here’s the preview:
When: Saturday, 5 p.m.
Where: Benchmark International Arena, Tampa
TV, radio: NESN+, WBZ-FM 98.5
Line: Tampa Bay -185. O/U: 6.5.
BRUINS
Season record: 43-25-8. vs. spread: 49-27. Over/under: 42-33, 1 push
Last 10 games: 6-2-2. vs. spread: 8-2. Over/under: 7-3
LIGHTNING
Season record: 47-22-6. vs. spread: 38-37. Over/under: 38-32, 5 pushes
Last 10 games: 7-1-2. vs. spread: 6-4. Over/under: 7-2, 1 push
TEAM STATISTICS
Goals scored: Boston 253, Tampa Bay 270
Goals allowed: Boston 232, Tampa Bay 208
Power play: Boston 23.8%, Tampa Bay 21.8%
Penalty minutes: Boston 944, Tampa Bay 1078
Penalty kill: Boston 76.3%, Tampa Bay 82.0%
Faceoffs won: Boston 52.8%, Tampa Bay 47.5%
Stat of the day: David Pastrnak has 96 points (29 goals, 67 assists) and he is trying to tie Bobby Orr and Phil Esposito as the only Boston players to notch four 100-point seasons.
Notes: The Lightning (47-22-6, 100 points) moved back atop the division standings by percentage points over the second-place Buffalo Sabres … Tampa Bay clinched a playoff spot with the Rangers’ win over the Red Wings on Saturday afternoon … Anthony Cirelli clinched the victory with an empty-net goal to secure his second career hat trick … The 28-year-old Cirelli has recorded 23 goals and 29 assists in 67 matches. He slots at a plus-35 in his production … Tampa Bay owns a 24-13-1 mark on home ice and is 4-1-1 on its season-long seven-game homestand … Goaltender Andrei Vasilevskiy (36-13-4, 2.34 goal-against average, .910 save percentage) maintained his league lead in wins over Utah’s Karel Vejmelka (34).
The cryptocurrency market has gained tremendous popularity in recent years, drawing in a wave of new investors. However, the inherent volatility can be daunting. This article offers valuable tips to help new investors navigate the crypto landscape effectively.
Understand the Basics
Before diving into the crypto market, it’s essential to understand the basic concepts:
Blockchain Technology: The underlying technology of cryptocurrencies.
Types of Cryptocurrencies: Bitcoin, Ethereum, and altcoins.
Wallets: Digital wallets for storage and transactions.
Do Your Research
Knowledge is power in the crypto market. Here are some tips:
Read whitepapers to understand a cryptocurrency’s purpose and technology.
Follow reputable news sources and forums for the latest updates.
Learn from the experiences of other investors.
Start Small
As a beginner, it’s wise to start with a small investment. This allows you to:
Gain experience without risking significant capital.
Understand market fluctuations.
Adjust your strategy as you learn.
Use Reputable Exchanges
Choose a reputable exchange to buy and sell cryptocurrencies. Look for exchanges that:
Offer a user-friendly interface.
Provide strong security features.
Have a solid track record and positive reviews.
Be Mindful of Market Volatility
Cryptocurrencies are known for their price swings. Here are a few strategies to manage volatility:
Set a budget and stick to it.
Consider dollar-cost averaging to minimize the impact of volatility.
Avoid making impulsive decisions based on fear or greed.
Keep Emotions in Check
Emotional trading can lead to significant losses. To maintain a rational approach:
Establish a trading plan with clear goals and strategies.
Take breaks when feeling overwhelmed.
Reflect on your investments regularly.
Stay Updated on Regulations
The regulatory environment for cryptocurrencies is constantly evolving. New investors should:
Familiarize themselves with regulations in their country.
Stay informed about potential changes that may affect their investments.
Conclusion
The crypto market can be exciting yet challenging for new investors. By understanding the basics, conducting thorough research, and exercising caution, you can navigate this volatile landscape with greater confidence. Happy investing!
Their journeys though life have been quite different — Elder Gérald Caussé was the Church’s presiding bishop born in France, while Elder Clark G. Gilbert was the commissioner of Church education born in California.
Yet they’ve come to many of the same conclusions as recently called members of the Quorum of the Twelve Apostles: Jesus Christ lives, He guides His Church through His prophets, and their new assignments cannot be fulfilled without divine help.
In the upcoming April 2026 general conference, members of The Church of Jesus Christ of Latter-day Saints have the opportunity to sustain these two new Apostles as they begin lifelong missions to testify the Savior lives.
“I felt the love of God for me,” said Elder Caussé about being called, “and it was evident that I should accept this calling — and did it with great joy, actually, although I felt totally shocked and overwhelmed.”
Elder Gérald Caussé of the Quorum of the Twelve Apostles plays the piano on Feb. 23, 2026, at the Paris France Stake Center in Versailles, France, where he served as stake president more than 20 years ago. | The Church of Jesus Christ of Latter-day Saints
Said Elder Gilbert: “We know we have things to improve and work on. And yet, I felt really confident that the Lord would make up the difference, that the keys were bigger than any one person and that I would be magnified in that calling.”
Elder Caussé, born in Bordeaux, France, was ordained on Nov. 6, 2025, filling the vacancy in the Quorum of the Twelve Apostles created by the death of Church President Russell M. Nelson.
And Elder Gilbert — born in Oakland, California, and raised in Phoenix, Arizona — was ordained on Feb. 12, 2026, after the death of President Jeffrey R. Holland, president of the Quorum of the Twelve Apostles.
These new prophets, seers and revelators joined episodes 269 and 282 of the Church News podcast to acknowledge the people and experiences that have made it all possible.
“Behold, this is the promise of the Lord unto you, O ye my servants. Wherefore, be of good cheer, and do not fear, for I the Lord am with you, and will stand by you; and ye shall bear record of me, even Jesus Christ, that I am the Son of the living God, that I was, that I am, and that I am to come.”
As he bears witness of the Savior, Elder Caussé knows the Lord will stand by him in this calling, he said. “This is all the comfort I needed.”
Elder Clark G. Gilbert speaks during an interview on Friday, Feb. 13, 2026, in Salt Lake City. | Laura Seitz, Deseret News
Elder Gilbert also perceives this bigger picture, recognizing that “in the end, there is only one responsibility — and that is to testify, witness to the name of Jesus Christ in all the world.”
He quoted Doctrine and Covenants 107:23, which charges Apostles to be “special witnesses of the name of Christ in all the world.”
Since being called to the Twelve, Elder Caussé has felt an outpouring of love from the members of the Church, he said. Now he looks forward to spreading that love with even more.
“If I can share only part of the immense and infinite love of the Savior for people, if I can be that ambassador of love, I hope I can do that.”
‘Orchestrated in heaven’
As a missionary in the Japan Kobe Mission, a young-adult Clark Gilbert struggled at first to learn Japanese. “I realized, ‘This language is hard, but I am pretty sure the Lord wants me to learn it, or He would not have called me here,’” he recounted.
So he went to work studying hard, keeping track of vocabulary, improving his grammar and practicing his Japanese enunciation. He made the Lord his partner in learning Japanese, he said.
“I realized as a missionary, if the Lord wants you to do it, if He has called you to do it, He will magnify and make up the difference.”
Elder Gilbert and his wife, Sister Christine Gilbert, have kept that attitude through his various assignments — from 16th president of BYU–Idaho and first president of BYU–Pathway Worldwide to General Authority Seventy — and now while he serves as an Apostle.
Then-Presiding Bishop Gérald Caussé talks about the new Global Distribution Services Center in Salt Lake City on Thursday, June 8, 2023. | Jeffrey D. Allred, Deseret News
When Elder Caussé looks back at his life, “it feels like a few things were orchestrated in heaven,” he said. This particularly became evident when he became a member of the Presiding Bishopric, which has responsibility for the temporal affairs of the Church.
Having studied business in college, Elder Caussé worked a number of years in strategy consulting and food distribution, which exposed him to the concept of leading a big organization.
“Managing people is very close to ministering to people,” he said. “And so I have applied in management a lot of things that I experience in church.” And it goes both ways: “Church service helped me more in my career than career helped me in Church service.”
‘Outpouring of love’ from other Apostles
Front row, left to right: Elder David A. Bednar, Acting President Dieter F. Uchtdorf, President Henry B. Eyring, President Dallin H. Oaks, President D. Todd Christofferson, Elder Quentin L. Cook and Elder Neil L. Andersen. Back row, left to right: Elder Ronald A. Rasband, Elder Gary E. Stevenson, Elder Dale G. Renlund, Elder Gerrit W. Gong, Elder Ulisses Soares, Elder Patrick Kearon, Elder Gérald Caussé and Elder Clark G. Gilbert. Photo taken March 4, 2026. | The Church of Jesus Christ of Latter-day Saints
The first night after being called, Elder and Sister Gilbert stayed up late reflecting on how they’ve seen each member of the Quorum of the Twelve Apostles witness of Christ.
“There had been a moment where I had heard them bear witness to the name of Jesus Christ,” said Elder Gilbert. “Not only where I heard it, but where I had a witness of their calling. And that has been a strength to me.”
Shortly after being called as an Apostle, Elder Caussé was invited by President Oaks to a room with members of the Quorum of the Twelve Apostles and First Presidency to receive their congratulations one by one.
“That outpouring of love from the Twelve was something that gave me a lot of courage,” he said.
Gospel strength in consecrated families
Elder Gérald Caussé and his wife, Sister Valérie Caussé, speak about his new call to the Quorum of the Twelve Apostles from the Joseph Smith Memorial Building on Temple Square in Salt Lake City on Thursday, Nov. 6, 2025. | The Church of Jesus Christ of Latter-day Saints
Elder Caussé’s pioneer heritage begins with his parents, the first members of the Church in their family. They were baptized in less than three months of meeting with the missionaries. “They were brave to embrace this religion they did not know a lot about based on their feelings and the inspiration of the Spirit.”
His dad went on to serve as a branch president five times. Elder Caussé carried on his parents’ valiance from a young age, as a Primary pianist at 12 and Sunday School president at 16.
Today, “joy in our home is felt whenever there is something about the gospel,” he said. The Caussés adore what he characterizes as their “consecrated family.”
When asked what qualities he sees in his wife, Sister Valérie Caussé, Elder Caussé responded, “How many hours do you have?” She is genuine, authentic, sincere and full of faith, he continued, and she shows her love for others in a very warm and natural way.
Together they raised five children, two of them living in the United States. “They never complained,” no matter where the family went. “We know we can count on them.”
Elder Clark G. Gilbert, then a General Authority Seventy and the commissioner of Church education, and Sister Christine Gilbert teach students about finding Christ in “The Family: A Proclamation to the World” at a BYU–Idaho devotional in Rexburg, Idaho, Sept. 23, 2025. | BYU–Idaho
Similarly, wherever Elder Gilbert had to move his family throughout his life — for career changes or Church assignments — he knew he could count on the support of his wife.
“Part of what was amazing about her is she would be willing to go anywhere, especially if it was something the Lord asked of us.”
He added, “It made it easy for me, when there were hard decisions, to know my wife had confidence that if the Lord had called us to do something, He would honor it.”
What gives them the strength to serve, even in the face of adversity? “All of that is grounded in the covenants we made early on in the temple and in our temple sealing, and we have never looked back and always wanted to do what the Lord wanted us to do.”
They’ve also appreciated the encouragement of their eight children in Elder Gilbert’s apostolic assignment. “This will affect all of them,” he said. “And yet, every one of them in their own unique ways was willing to support this and support their parents.”
Witnessing the mantle of the Prophet
President Dallin H. Oaks, then first counselor in the First Presidency, left, and Elder Clark G. Gilbert, then a General Authority Seventy and commissioner of Church education, speak at an Ensign College devotional in the Assembly Hall on Temple Square in Salt Lake City on Tuesday, May 17, 2022. | Scott G Winterton, Deseret News
As President of the Church, President Oaks “does not teach what he was prepared to do or what his background would suggest,” said Elder Gilbert, “but he teaches what the Lord tells him to speak.”
Elder Gilbert saw this personally when President Oaks addressed BYU students in a Feb. 10 devotional. The substance of the talk was amazing, said Elder Gilbert, but even more profound was the witness he received of the Prophet’s calling.
As commissioner of Church education, Elder Gilbert had conducted research for President Oaks’ remarks. “He was excited to give that message.” Yet taking on the prophetic mantle called for a change of plans.
“He said, ‘Clark, when we were first working on this, I was not yet the Prophet. And now that I am the Prophet, He is giving me a message that I need to give.’”
President Dallin H. Oaks speaks to BYU students during the weekly campus devotional at the Marriott Center in Provo, Utah, on Tuesday, Feb. 10, 2026. | Tess Crowley, Deseret News
While in the Presiding Bishopric, Elder Caussé also saw the prophetic mantle when he reported directly to the First Presidency weekly for 13 years.
In that time, he came to love the late President Nelson’s forward-looking optimism, aptitude for connection and ability to teach the gospel simply. Even at the onset of the COVID-19 pandemic, President Nelson looked to the future with faith and hope, said Elder Caussé.
“Whenever I felt a little down or tired, I always thought of President Nelson, and that always gave me some boost, and I smiled whenever I thought about him.”
Then-Presiding Bishop Gérald Caussé speaks at President Russell M. Nelson’s tribute on Wednesday, Oct. 1, 2025, in the Salt Lake Tabernacle in Salt Lake City. | The Church of Jesus Christ of Latter-day Saints
Having also worked closely with President Oaks, Elder Caussé said he admires the Prophet’s courage, resilience, humility and understanding of the complexities of the world.
“His mind is very bright,” he said, “and whenever there is a meeting and there is a good question that needs to be asked, that is President Oaks asking it.”
‘He is the Savior of the world’
Art glass depicts the 3 Nephi 17 account of Christ ministering to children, in the north entrance buildings on Temple Square in Salt Lake City on Wednesday, March 11, 2026. | The Church of Jesus Christ of Latter-day Saints
As newly called Apostles soon to be sustained in conference, Elder Caussé and Elder Gilbert relish their lifelong mission to testify that Jesus Christ lives.
“We can overcome death because of the Savior,” said Elder Gilbert. “We can be forgiven of our sins because of Jesus Christ. He will succor us in our infirmities and heal us when life is not fair. He is the Savior of the world. And I know that is true.”
Said Elder Caussé: “Jesus is the Christ. His Church is again upon the earth. It is where everyone can find the love of the Savior in the ordinances of salvation and exaltation, help that is needed through brothers and sisters that are unified together, living the gospel in a way that is blessing their lives forever.”
Elder Clark G. Gilbert of the Quorum of the Twelve Apostles and his wife, Sister Christine Gilbert, speak to Church News reporter Mary Richards after filming the Church News podcast episode that aired Tuesday, Feb. 24, 2026. | Rex Warner, Church News
Elder Gérald Caussé of the Quorum of the Twelve Apostles speaks during a recording of the Church News podcast in the Conference Center in Salt Lake City on Wednesday, Nov. 12, 2025. | Kristin Murphy, Deseret News
Elder Clark G. Gilbert, then a General Authority Seventy and commissioner of the Church Educational System, talks with Rabbi Ari Berman, president and rosh yeshiva at Yeshiva University, before the American Council on Education’s Commission on Faith-Based Colleges and Universities held at the REACH of the John F. Kennedy Memorial Center for the Performing Arts in Washington, D.C., on Monday, June 9, 2025. | Isaac Hale, Deseret News
Elder Gérald Caussé of the Quorum of the Twelve Apostles and his wife, Sister Valérie Caussé, look at a model of the Paris France Temple at the Paris France Temple Visitors’ Center in Versailles, France, on Friday, Feb. 27, 2026. | The Church of Jesus Christ of Latter-day Saints
President Dallin H. Oaks of The Church of Jesus Christ of Latter-day Saints and his wife, Sister Kristen M. Oaks, far right, stand near the Carillon Bell Tower by a new plaque with a quote from President Oaks that will be placed at the tower’s base. They are joined by BYU President C. Shane Reese and his wife, Sister Wendy Reese, center; and Elder Clark G. Gilbert and his wife, Sister Christine Gilbert, left, on Feb. 10, 2026. | The Church of Jesus Christ of Latter-day Saints
Then-Presiding Bishop Gérald Caussé, left, and Jon Schmidt of The Piano Guys perform a rendition of “Für Elise” prior to Bishop Caussé’s keynote address on the main stage at the 2025 Utah Area YSA Conference in Salt Lake City on Friday, Aug. 29, 2025. | Brian Nicholson, Deseret News
From left, forum members Elder Clark G. Gilbert, then a General Authority Seventy and commissioner of Church education; Kaylee Merrill, a seminary principal; John Hilton III, a BYU professor of ancient scripture; Jenet Erickson, a BYU associate professor of Church history and doctrine; and Nathan Peterson, a BYU-Idaho religious education faculty member, share a laugh during the Religious Communicators Conference at Brigham Young University in Provo, Utah, on Friday, June 13, 2025. | Brian Nicholson, for the Deseret News
Elder Gérald Caussé of the Quorum of the Twelve Apostles and his wife, Sister Valérie Caussé, walk in Versailles, France, on Monday, Feb. 23, 2026. They raised their family in Versailles. | The Church of Jesus Christ of Latter-day Saints
Elder Clark G. Gilbert, then a General Authority Seventy and commissioner of the Church Educational System, right, introduces Elder Patrick Kearon of the Quorum of the Twelve Apostles, center, and his wife, Sister Jennifer Kearon, left, during a worldwide devotional for young adults at the Conference Center in Salt Lake City on Sunday, Feb. 1, 2026. | Rio Giancarlo, Deseret News
Elder Gérald Caussé of the Quorum of the Twelve Apostles greets reporters prior to an interview at the Joseph Smith Memorial Building in Salt Lake City on Friday, Nov. 7, 2025. | Laura Seitz, Deseret News
President Russell M. Nelson, then president of the Quorum of the Twelve Apostles, left, installs Clark G. Gilbert as the first president of BYU–Pathway Worldwide in the Conference Center in Salt Lake City on Thursday, Nov. 16, 2017. | BYU–Pathway Worldwide
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