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In conclusion, the woman's experience with mild botulism poisoning following Botox treatment serves as a stark reminder of the importance of vigilance and caution in the beauty industry. While cosmetic procedures can offer transformative results, ensuring the safety and competence of practitioners is paramount to prevent incidents of harm and promote overall well-being. By prioritizing patient safety and quality care, beauty salons and aesthetic clinics can uphold their commitment to excellence and integrity in the field of cosmetic enhancements.
Sony Corporation, a global leader in entertainment, technology, and gaming, has recently seen its stock price soar to a 20-year high, signaling strong growth and investor confidence in the company's gaming business. The surge in the stock price comes on the heels of a series of successful product launches and strategic partnerships that have propelled Sony's gaming division to new heights.With the emergence of a potential "lifesaver" in the form of straw, could corn be on the brink of transformation? The market sentiment is subtly shifting as new possibilities come to light.
Title: From Water Fees to Water Taxes: Who is Affected by the Pilot Program in 10 Provinces for Over 7 Years with Minimal Change in Residential Water Prices and Clear Water Conservation Goals
Dividend stocks can be your best friend in retirement -- especially when their payouts allow you to cover your living expenses without selling shares. But investors shouldn't mindlessly chase high yields. Stocks that offer sky-high yields of 10% to 15% can be tempting, but they're often risky investments. With that in mind, retirees and soon-to-be retirees should try to find above-average yields, but they shouldn't go looking in the dumpster for them. A better strategy is to seek quality companies that look like they'll be able to keep paying (and raising) their dividends over the long term. These three blue-chip dividend stocks with yields between 4.8% and 7.8% today fit that description. Their dividends are well covered, and they should produce enough growth to manage payout hikes that at least keep up with inflation in 2025 and beyond. 1. Altria Group: 7.8% yield Although smoking rates have been declining for decades in the United States, Altria Group ( MO -0.42% ) , which sells Marlboro cigarettes (among other brands) domestically, has raised its dividend for over 50 consecutive years. This has earned it the rare Dividend King designation. Altria still makes most of its money from cigarettes, but has grown its bottom line by steadily raising its prices enough to more than offset the fact that it sells fewer cigarettes with each passing year. Analysts estimate the company's 2024 earnings will be $5.12 per share, giving it a manageable dividend payout ratio of 80%. Management generally uses the cash after paying the dividend to repurchase shares , which has grown its per-share dividends and profits. Altria has milked its cigarette business for years, and its strategies are still working. The company has grown its earnings at a 4.4% annualized pace over the past five years, and analysts estimate it will grow them by 3.5% annually over the next three to five years. Altria will eventually need to move beyond cigarettes, and it's working on that. The company is pushing next-generation products such as oral nicotine pouches, heat-not-burn tobacco cartridges, and electronic cigarettes (vapes). How Altria develops these products over the next decade will determine its long-term prospects. Still, retirees who buy and hold the stock will be able to rely on the company's near- and medium-term ability to pay and raise its dividend. 2. AT&T: 4.8% yield Telecom giant AT&T ( T -0.44% ) now operates the third-largest wireless network in the U.S. by market share. The company has existed in various forms since the late 1880s, and today is focused on its core communications business after a tumultuous decade that it spent trying to become a successful media streaming company. Over the years of attempting to evolve its business model, AT&T loaded itself with debt. That period culminated with a dividend cut in 2022 intended to free up cash flow that it could use to pay down what it owes. While in some cases, a company having a dividend cut in its recent past can be a sign for investors to avoid the stock, AT&T's payout reduction made it an excellent dividend stock again. Management expects to end 2024 with $17 billion to $18 billion in free cash flow versus a dividend commitment that amounts to about $8 billion annually. In other words, AT&T is spending less than half its cash flow on its dividend, giving it plenty of financial breathing room. Its debt is declining, which is positioning the business for a new era of dividend growth thanks to AT&T's healthiest financials in years. Don't expect too much growth from AT&T. Analysts estimate that it will grow earnings by an average of 3% annually over the next three to five years. Still, that would be enough for management to raise the dividend slowly, with room to expand the payout ratio if AT&T chooses. Either way, investors can look forward to dependable dividends thanks to management's wise decision to rightsize the payout. 3. Enbridge: 6.3% yield Energy still makes the world go round, so business should stay strong for Enbridge ( ENB 0.05% ) , one of the largest energy companies in North America. The Canadian company owns a network of pipelines that transport oil and natural gas throughout the continent, North America's largest natural gas utility by volume, and a portfolio of renewable energy projects, among other businesses. The company makes money primarily from transport and distribution fees, so it enjoys more durable revenue streams than upstream oil companies, which are more sensitive to commodity prices. Enbridge has proven this by increasing its annual dividend payouts for 29 consecutive years, and it has already announced its 30th to take effect in early 2025. Enbridge pays its dividends in Canadian dollars (CA$), but U.S. investors will see their payments automatically translated to U.S. dollars. For 2025, management plans to pay total dividends of CA$3.77 per share, and is guiding for between CA$5.50 and CA$5.90 in distributable cash flow, which would give it a healthy payout ratio in the range of about 64% to 69%. That's right in the 60% to 70% range where management wants it. North America's steadily growing energy demand should ensure Enbridge stays busy. Management expects the company's cash flow to grow at a low single-digit percentage rate through 2026 and then accelerate to approximately 5% annualized growth. Therefore, investors can count on the dividend and expect Enbridge to continue building on its growth streak.Trump asks US Supreme Court to delay TikTok ban
In conclusion, the recent announcements from OpenAI, Xiaomi, and Apple reflect the dynamic and constantly evolving nature of the tech industry, showcasing the diverse approaches and visions of key players in the field of artificial intelligence and advanced technology. As we look towards the future, it is essential for stakeholders, policymakers, and the public to engage in informed discussions and debates about the implications of these developments, ensuring that innovation is guided by ethical considerations and serves the best interests of society as a whole.NEW YORK , Dec. 16, 2024 /PRNewswire/ -- According to a new report from Liminal, a leading market and competitive intelligence technology company, global spending on third-party risk management (TPRM) is set to more than double—from $9.0 billion in 2025 to $19.9 billion by 2030. As third-party ecosystems expand, security threats multiply, and regulations tighten, this rapid growth signals a decisive market shift for companies striving to protect their data, operations, and reputations. Despite managing over 250 third-party relationships on average, Liminal's research found that fewer than half of organizations continuously monitor these vendors. Reliance on static questionnaires and annual audits has proven ineffective, with fewer than 10% of practitioners trusting their assessments. As compliance demands tighten—evidenced by GDPR fines in the billions of dollars—and threats evolve toward AI-enabled scams and cloud weaknesses, these outdated methods fail to identify emerging risks, leaving companies exposed. While most organizations recognize the urgency of new risk conditions and have increased their TPRM budgets, practitioners cite that progress is stalled by fragmented spending, siloed information, and manual workflows. The report shows that firms that invest in continuous monitoring, automation, and integrated solutions gain a clear advantage. By shifting from reactive, error-prone approaches to always-on, data-driven insights, decision-makers can detect vulnerabilities early, meet regulatory requirements more effectively, and foster stronger trust across their supply chains. "With TPRM spending nearly doubling and fewer than half of organizations conducting real-time checks, the data shows a clear mandate: it's time to evolve from basic, outdated compliance tasks to continuous, forward-looking risk intelligence," said Travis Jarae , CEO of Liminal . "Leading companies leverage automation and integrated analytics to stay ahead of emerging threats, turning risk management into a strategic advantage." Key Insights from The Market and Buyer's Guide for Third-Party Risk Management: "From healthcare providers working to safeguard patient data against potentially compromised supply chains to financial institutions navigating emerging regulations and data handling risks, the stakes have never been higher," said Joe Stuntz , Principal Advisor at Liminal . "Leaders who invest in advanced analytics, integrated solutions, and real-time monitoring not only mitigate threats—they position their organizations for sustained growth and trust in a digital-first economy." About Liminal Liminal is a technology company that empowers businesses with actionable market and competitive intelligence for go-to-market and sales enablement. Our state-of-the-art platform combines the precision of AI with human expertise to deliver unparalleled access to proprietary data, in-depth analysis, and curated insights, enabling executives to make informed decisions, enhance productivity, and drive growth. We tackle critical focus areas with targeted solutions for fraud and identity, cybersecurity, trust and safety, financial crimes compliance, and privacy and consent management. Trusted by industry leaders and innovators at top public and private companies and investment firms to navigate market complexities and thrive confidently and clearly. For more information, visit us at Liminal.co . Media Contact: Stacy Beddoes Liminal media@liminal.co 1 (602) 616-9818 View original content to download multimedia: https://www.prnewswire.com/news-releases/liminal-forecasts-third-party-risk-management-solutions-market-to-hit-19-9-billion-by-2030--302332870.html SOURCE Liminal Strategy, Inc.
Key Takeaways Artificial intelligence (AI) is no longer an exclusive tool for large corporations; small businesses can now harness its power to enhance operations, improve customer experiences and drive growth without significant financial investment. By adopting cost-effective AI strategies, small businesses can streamline processes, maximize resources and remain competitive in today's market. Related: How Small and Mid-Sized Businesses Can Leverage AI to Compete With Large Companies 1. Automate routine tasks Repetitive tasks such as handling customer inquiries, scheduling appointments or processing orders can drain valuable time and resources. AI enables automation of these processes, ensuring they are handled efficiently and consistently. For example, conversational AI can provide 24/7 customer support, while workflow automation systems can streamline back-office tasks, reducing errors and freeing employees to focus on more complex and strategic activities. 2. Personalize marketing and engagement AI can analyze customer behavior to identify preferences, enabling businesses to tailor their marketing efforts. Whether it's creating personalized email campaigns , targeting ads to specific customer segments or optimizing social media posts, AI ensures that messages reach the right audience at the right time with the right content. This not only enhances engagement but also increases the return on marketing investments. 3. Enhance decision-making with data insights Making informed decisions is critical to small business success. AI can process large amounts of data to identify trends, patterns and insights that might otherwise go unnoticed. From understanding customer buying habits to forecasting demand for products, AI provides actionable insights that empower businesses to make data-driven decisions , reduce waste and seize opportunities faster. 4. Improve customer relationship management Effective customer relationship management requires timely responses and personalized interactions. AI enhances these efforts by analyzing customer data to predict needs, suggest next steps and automate follow-ups. This not only strengthens customer relationships but also ensures that no opportunity for engagement is missed, boosting overall satisfaction and loyalty. 5. Streamline hiring and workforce management Recruiting and managing employees can be time-consuming and costly. AI can help by screening resumes, matching candidates to job descriptions and identifying the best fits for open roles. It can also assist with scheduling shifts, monitoring productivity and providing real-time feedback, making workforce management more efficient and scalable. Related: Harnessing the Power of AI: 5 Game Changing Tactics for Small Businesses 6. Optimize inventory and resource management AI can predict demand, identify inventory gaps and automate reordering processes, ensuring that small businesses maintain optimal stock levels. By preventing overstocking or understocking, businesses can save money, reduce waste and improve supply chain efficiency. Additionally, AI can suggest cost-saving measures in procurement or operations based on historical data and usage trends. Implementing AI in a cost-effective manner To integrate AI affordably, small businesses should: Related: Small Businesses Have Fewer Resources Than Big Companies. Here's How AI Can Fill the Gaps.
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