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fortune gems download Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money. My father always told me that it's better to save $5 than nothing at all — some savings is better than none. My father also made sure I understood that the first priority is paying off bills immediately. I get the most out of a Costco membership so I never feel like I have to eat out. When I graduated from school and started working my first job, my father called. We were on the phone for two hours that night discussing money — specifically, how I should handle my money so that I wasn't without resources when I needed them. My father's view was always that I take care of home first. He told me, "If you're working, there are steps you should take so you are always comfortable." When he said comfortable, he meant that I was secure. "Always take care of home first and then work outward from there," he said. When student loan payments resumed in 2023, many people feared they would have to choose between their student loan payments and groceries — or even rent. When I was paying my student loans back, there were times when I didn't go out or didn't buy something I may have wanted right then, and I was known to say, "I can always go home." I think like that to this day, even when I have the money. Here is the advice my father gave me. 1. Save as much money as you can I save money now automatically, so it's in my savings account before I even see it. My father always told me that it's better to save $5 than nothing at all. I can't tell you how many times having money saved helped me out when emergencies came up — whether it was replacing a washer/dryer in my new home or arriving very late in Paris and learning the room I had reserved was no longer available, and the only one left was $175 more per night . What my father was trying to tell me, and what I saw for myself, was that having money gives you options and can be a safety net for when things don't go as planned. No matter what is happening, I always save a portion of my income. Estimate Your Interest Earnings 2. Pay all of my household bills first, including that cellphone bill Sometimes we have to learn these money lessons the hard way. I can tell you that I have had friends who have had their electricity turned off — and even a friend who had her water shut off after not paying the bill for six months in her brand-new home. My father was and is a great example of how to run a home. When the first of the month came around, he paid every bill that was due. Since this was before you could pay all of your bills online, there were times when I went with him to pay the bills that he did not mail. So when I started working and had my first apartment, he told me, "When you get paid, every bill associated with your home should be paid. That is the first thing you do." And that is what I do to this day. I pay every bill in my home first: rent, cable, electricity, water, and my cellphone bill. Our cellphones are such a big part of our lives, and you may even use your cellphone for work. Make sure that everything you need for your home to run well is taken care of. 3. Stock your refrigerator When you first start earning money, it's so easy to go out, to buy that piece of clothing, or to meet friends for drinks. But it doesn't make any sense to spend $100 on drinks with friends when you don't have groceries in the fridge. Since I can be a homebody, especially during the winter months, this piece of advice is easy for me to follow, but look at the common sense aspect of it. When I hear people say that they are eating beans and rice or ramen noodles and they cannot afford anything else, I always wonder about the money they spent that day. Did you buy coffee, have lunch out, or buy clothing? When I stock my fridge, that is exactly what I do. I can easily have five weeks of groceries in my apartment. Then when I do need to go to the grocery store, it's only for something I have run out of. I'm not starting fresh at the grocery store every week. I also have a Costco membership and buy items I know I use all the time in bulk. My home is my sanctuary, and I can spend time there without spending more money. I have books and magazines that I like to read, I have every snack that I like to eat, and I subscribe to Netflix and Apple TV+. Since I have poured into my home upfront, if I decide not to go out, I don't feel like I am missing out on anything, and I save so much money. It comes down to paying yourself first. Instead of giving yourself what's left, take the first slice and set yourself up for financial stability. Credit scores Credit history Credit reports Budgeting Saving Housing Retirement The economy Financial trendsFRANKLIN, TN, Nov. 22, 2024 (GLOBE NEWSWIRE) -- IMAC Holdings, Inc. ("IMAC” or the "Company”) (NASDAQ: BACK) today announced that it received an expected deficiency notification letter from the Listing Qualifications Staff of The Nasdaq Stock Market LLC ("Nasdaq”) on November 22, 2024 (the "Notice”). The Notice indicated that the Company was not in compliance with Nasdaq Listing Rule 5250(c)(1) (the "Listing Rule”) as a result of its failure to timely file its Quarterly Report on Form 10-Q for the period ended September 30, 2024 (the "Form 10-Q”), as described more fully in the Company's Form 12b-25 Notification of Late Filing (the "Form 12b-25”) filed with the Securities and Exchange Commission (the "SEC”) on November 15, 2024. The Listing Rule requires Nasdaq-listed companies to timely file all required periodic reports with the SEC. The Company continues to work diligently to file the Form 10-Q as soon as practicable. The Notice has no immediate effect on the listing or trading of the Company's common stock on the Nasdaq Capital Market. The Company has until January 21, 2024, to submit a plan to regain compliance with the Listing Rule (the "Plan”). Pursuant to the Notice, if Nasdaq accepts the Plan, Nasdaq has the discretion to grant the Company an exception of up to 180 calendar days from the due date of the Form 10-Q, or until May 19, 2025, to regain compliance with the Listing Rule. The Company intends to take the necessary steps to regain compliance with Nasdaq's listing rules as soon as practicable. While the Company can provide no assurances as to timing, the Company intends to take action to submit a plan to regain compliance within the 60 calendar day submission period, and, if Nasdaq accepts the plan to regain compliance, to subsequently regain compliance within the extended time granted by Nasdaq. While the Company is exercising diligent efforts to maintain the listing of its securities on the Nasdaq Capital Market, there can be no assurance that the Company will be able to regain compliance within the applicable time period. In addition, if the Company does not regain compliance within the applicable time period, Nasdaq could provide notice that the Company's securities will become subject to delisting. If the Company receives notice that its securities are being delisted, Nasdaq rules permit the Company to appeal any delisting determination by Nasdaq staff to a hearings panel. About IMAC Holdings, Inc. IMAC Holdings, Inc. is headquartered in Franklin, Tennessee. We operate our proteomic business through our nationally CLIA-certified, CAP-accredited and NY CLEP certified laboratory in Golden, Colorado. Safe Harbor Statement This document and the exhibits contain forward-looking statements within the meaning of Section 21E of the Exchange Act of 1934, as amended, which are made pursuant to the safe harbor provisions of the Securities Litigation Reform Act of 1995, including, but not limited to, statements regarding the timing and expectations regarding the Company's filing of the Form 10-Q, statements relating to the Company's plan to regain compliance with Nasdaq's listing rules, as well as all statements that are not historical facts. These forward-looking statements are subject to change, and actual results may materially differ from those set forth in this Current Report due to certain risks and uncertainties. Factors that could cause or contribute to changes in such forward-looking statements include, but are not limited to, the risk that the completion and filing of the Form 10-Q will take longer than expected; uncertainties about the timing of the Company's submission of a compliance plan; Nasdaq's acceptance of any such plan; the duration of any extension that may be granted by Nasdaq; and the risk that the Company will be unable to meet Nasdaq's continued listing requirements. The foregoing review of important factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements set forth in reports filed with the SEC, including the Company's current reports on Form 8-K, quarterly reports on Form 10-Q and its annual report on Form 10-K/A, such as statements regarding changes in economic conditions and the impact of competition. Undue reliance should not be placed on any forward-looking statement contained herein. These statements reflect the Company's position as of the date of this Current Report. The Company expressly disclaims any undertaking to release publicly any updates or revisions to any statements to reflect any change in the Company's expectations or any change of events, conditions, or circumstances on which any such statement is based. For additional information, please contact: [email protected]

Nonefranchise, but the first headlined by Anthony Mackie’s Sam Wilson. Red Hulk makes his Marvel Cinematic Universe debut inVideos by ComicBook.com#1. The Issue #2 cover by Taurin Clarke features Red Hulk and Sam Wilson in a battle high above the ground, with Red Hulk delivering a left punch that Sam blocks with his red-white-and-blue shield. “It’s going to be a fun, fast, high-octane adventure that also explores what it means to feel locked out of the American Dream. I feel pretty confident in saying Sam’s never flown through skies like these before,” Narcisse said.Narcisse also gave his thoughts on the character of Sam Wilson: “One of the great things about Sam Wilson is that he straddles the line between everyman and super hero in classic Marvel fashion. “We’re pulling out all the stops to tell a story that matters, that goes deep into what it means for a Black social worker from Harlem to pick up the shield – and put on those wings! – while delivering massive action and thrills in the grand tradition of Marvel super spy science fiction,” Pak explained. We have summarized this news so that you can read it quickly. If you are interested in the news, you can read the full text here. Read more:

An online debate over foreign workers in tech shows tensions in Trump’s political coalitionThere’s a boom coming. Bitcoin has arrived, and its price is setting records. Artificial Intelligence is hot. And the American people just elected a president with a deregulatory mindset. All the ingredients are there. If everything is handled right, America will soon embark on a period of extended wealth creation rarely seen in modern history. For that to occur, a few things must happen, starting with the government staying largely out of the way. That’s hard to do since people rely on government to keep the currency and other mediums of exchange stable. It’s also supposed to root out and protect against fraudsters who take advantage of the hype surrounding any innovative technology to prey on unsuspecting, naïve investors looking to, as the saying goes, “get rich quick.” None of that has to be tossed overboard in pursuit of the newest “new economy.” As we move forward with the integration of crypto technology into the global financial system and overlay AI onto the manufacturing sector, Caveat Emptor — Let the buyer beware — is still a sound strategy for everyone. The better the industry educates the American public about what digital tokens are, how to tell the good from the bad, and how they can be used to transform commerce, the more quickly it will be adopted widely. The same goes for AI, which, up to now, is still talked about as though it were part of a science-fiction future where computers dominate humankind. What people don’t know or are choosing to ignore is that AI is already being used — to significant effect — in healthcare, energy, and manufacturing, leading to lower costs, increased efficiency and driving breakthroughs that benefit us all. The Mayo Clinic says that AI is already improving the quality of preventive screenings, diagnoses and treatments, particularly for cancer patients who are experiencing improved outcomes. Bitcoin is also making healthcare better, at least IBM thinks it does. The company has used blockchain, the technology that makes cryptocurrency viable as a transferable store of value, to make health data systems for the Centers for Disease Control better and safer. Accenture and Shell have partnered to use crypto technology to develop an airline booking system for American Express where business travelers can choose to reduce their carbon footprint by quickly matching them with flights that use cleaner fuel. There are groups out there, like the National Cryptocurrency Association, that are working to share information and best practices and educate consumers about the benefits of broader adoption of blockchain. They’re also working to combat misinformation and address the general lack of understanding at the end-user level regarding crypto. Blockchain seems to have a leg up on AI in this regard, but that’s perhaps because it’s been around longer. Nevertheless, the rules of the road are still being written. Gary Gensler, the crypto skeptic who served as chairman of the United States Securities and Exchange Commission under President Joe Biden, announced recently he’d be stepping down at the end of the current administration. Trump can now replace him with someone friendly to crypto who can promulgate a set of rules that will allow America to close the gap its regulatory inaction has created with nations like China, which are much farther down the road on digital finance. There is growing recognition that a similar effort needs to be made with AI so that the public better understands how it works. The American Association of Retired Persons is one group that recently launched a major initiative, but more needs to be done. Groups like it and the NCA can and should take the lead in educating the public about these technologies, how they work, and why they are worth paying attention to. Modern technologies are for everyone, not a select few. Increasing awareness and education will help us better leverage these technologies from both a practical and policy perspective and will open the door for safe and beneficial mass adoption. We need to bring the public along instead of frightening them.

WASHINGTON (AP) — A ninth U.S. telecoms firm has been confirmed to have been hacked as part of a sprawling Chinese espionage campaign that gave officials in Beijing access to private texts and phone conversations of an unknown number of Americans, a top White House official said Friday. Biden administration officials said this month that at least eight telecommunications companies , as well as dozens of nations, had been affected by the Chinese hacking blitz known as Salt Typhoon. But Anne Neuberger, the deputy national security adviser for cyber and emerging technologies, told reporters Friday that a ninth victim had been identified after the administration released guidance to companies about how to hunt for Chinese culprits in their networks. The update from Neuberger is the latest development in a massive hacking operation that has alarmed national security officials, exposed cybersecurity vulnerabilities in the private sector and laid bare China's hacking sophistication. The hackers compromised the networks of telecommunications companies to obtain customer call records and gain access to the private communications of “a limited number of individuals." Though the FBI has not publicly identified any of the victims, officials believe senior U.S. government officials and prominent political figures are among those whose whose communications were accessed. Neuberger said officials did not yet have a precise sense how many Americans overall were affected by Salt Typhoon, in part because the Chinese were careful about their techniques, but a “large number" were in the Washington-Virginia area. Officials believe the goal of the hackers was to identify who owned the phones and, if they were “government targets of interest,” spy on their texts and phone calls, she said. The FBI said most of the people targeted by the hackers are "primarily involved in government or political activity.” Neuberger said the episode highlighted the need for required cybersecurity practices in the telecommunications industry, something the Federal Communications Commission is to take up at a meeting next month. “We know that voluntary cyber security practices are inadequate to protect against China, Russia and Iran hacking of our critical infrastructure,” she said. The Chinese government has denied responsibility for the hacking.Dejounte Murray is rejoining the Pelicans vs. Toronto and drawing inspiration from his mother

Voice cloning is an emerging technology powered by artificial intelligence and it's raising alarms about its potential misuse. Earlier this year, New Hampshire voters experienced this firsthand when a deepfake mimicking President Joe Biden’s voice urged them to skip the polls ahead of the primary. The deepfake likely needed only several seconds of the president's voice to create the clone. According to multiple AI voice cloning models, about 10 seconds of an actual voice is all that is needed to recreate it. And that can easily come from a phone call or a video from social media. "A person's voice is really probably not that information-dense. It's not as unique as you may think," James Betker, a technical staff member at OpenAI, told Scripps News. Betker developed TortoiseTTS, an open-source voice cloning model. "It's actually very easy to model, very easy to learn, the distribution of all human voices from a fairly small amount of data," Betker added. How AI voice cloning works AI models have been trained on vast amounts of data, learning to recognize human speech. Programs analyze the data and train repeatedly, learning characteristics such as rhythm, stress, pitch and tone. "It can look at 10 seconds of someone speaking and it has stored enough information about how humans speak with that kind of prosody and pitch. Enough information about how people speak with their processing pitch and its weights that it can just continue on," Betker said. Imagine a trained AI model as a teacher, and the person cloning the voice to be a student. When a student asks to create a cloned voice, it starts off as white noise. The teacher scores how close the student is to sounding correct. The student tries again and again based on these scores until the student produces something close to what the teacher wants. While this explanation is extremely simplified, the concept of generating a cloned voice is based on bit-by-bit, based on probability distributions. "I think, at its core, it's pretty simple," Betker said. "I think the analogy of just continuing with what you're given will take you pretty far here." There are currently some AI models that claim to only need two seconds of samples. While the results are not convincing yet, Betker says future models will need even fewer voice samples to create a convincing clone.

Stocks closed lower as Wall Street ended a holiday-shortened week on a down note. The S&P 500 fell 1.1% Friday and the the Dow Jones Industrial Average lost 333 points, or 0.8%. The Nasdaq composite dropped 1.5%. The “Magnificent 7” stocks weighed on the market, led by declines in Nvidia, Tesla and Microsoft. Even with the loss, the S&P 500 had a modest gain for the week and is still headed for its second consecutive annual gain of more than 20%, the first time that has happened since 1997-1998. The yield on the 10-year Treasury rose slightly. On Friday: The S&P 500 fell 66.75 points, or 1.1%, to 5,970.84. The Dow Jones Industrial Average dropped 333.59 points, or 0.8%, to 49,992.21. The Nasdaq composite fell 298.33 points, or 1.5%, to 19,722.03. The Russell 2000 index of smaller companies dropped 35.60 points, or 1.6%, to 2,244.59. For the week: The S&P 500 is up 39.99 points, or 0.7%. The Dow is up 151.95 points, or 0.4%. The Nasdaq is up 149.43 points, or 0.8% The Russell 2000 is up 2.22 points, or 0.1%. For the year: The S&P 500 is up 1,201.01 points, or 25.2%. The Dow is up 5,302.67, or 14.1%. The Nasdaq is up 4,710.68 points, or 31.4%. The Russell 2000 is up 217.52 points, or 10.7%.Tech slump slays Santa rally, weak yen lifts Japan stocks higher

By DEVNA BOSE and JOHN SEEWER “Wanted” posters with the names and faces of health care executives have been popping up on the streets of New York. Hit lists with images of bullets are circulating online with warnings that industry leaders should be afraid. Related Articles National News | Nearly half of US teens are online ‘constantly,’ Pew report finds National News | How to protect your communications through encryption National News | Military service academies see drop in reported sexual assaults after alarming surge National News | Unidentified drones spotted flying at locations across NYC, including LaGuardia Airport National News | About 2.6 million Stanley cups recalled after malfunctions caused burns. Is your mug included? The apparent targeted killing of UnitedHealthcare CEO Brian Thompson and the menacing threats that followed have sent a shudder through corporate America and the health care industry in particular, leading to increased security for executives and some workers. In the week since the brazen shooting , health insurers have removed information about their top executives from company websites, canceled in-person meetings with shareholders and advised all employees to work from home temporarily. An internal New York Police Department bulletin warned this week that the online vitriol that followed the shooting could signal an immediate “elevated threat.” Police fear that the Dec. 4 shooting could “inspire a variety of extremists and grievance-driven malicious actors to violence,” according to the bulletin, which was obtained by The Associated Press. “Wanted” posters pasted to parking meters and construction site fences in Manhattan included photos of health care executives and the words “Deny, defend, depose” — similar to a phrase scrawled on bullets found near Thompson’s body and echoing those used by insurance industry critics . Thompson’s wife, Paulette, told NBC News last week that he told her some people had been threatening him and suggested the threats may have involved issues with insurance coverage. Investigators believe the shooting suspect, Luigi Mangione , may have been motivated by hostility toward health insurers. They are studying his writings about a previous back injury, and his disdain for corporate America and the U.S. health care system. Mangione’s lawyer has cautioned against prejudging the case. Mangione, 26, has remained jailed in Pennsylvania, where he was arrested Monday . Manhattan prosecutors are working to bring him to New York to face a murder charge. UnitedHealthcare’s parent company, UnitedHealth Group, said this week it was working with law enforcement to ensure a safe work environment and to reinforce security guidelines and building access policies, a spokesperson said. The company has taken down photos, names and biographies for its top executives from its websites, a spokesperson said. Other organizations, including CVS, the parent company for insurance giant Aetna, have taken similar actions. Government health insurance provider Centene Corp. has announced that its investor day will be held online, rather than in-person as originally planned. Medica, a Minnesota-based nonprofit health care firm, said last week it was temporarily closing its six offices for security reasons and would have its employees work from home. Heightened security measures likely will make health care companies and their leaders more inaccessible to their policyholders, said former Cigna executive Wendell Potter. “And understandably so, with this act of violence. There’s no assurance that this won’t happen again,” said Potter, who’s now an advocate for health care reform. Private security firms and consultants have been in high demand, fielding calls almost immediately after the shooting from companies across a range of industries, including manufacturing and finance. Companies have long faced security risks and grappled with how far to take precautions for high-profile executives. But these recent threats sparked by Thompson’s killing should not be ignored, said Dave Komendat, a former security chief for Boeing who now heads his own risk-management company. “The tone and tenor is different. The social reaction to this tragedy is different. And so I think that people need to take this seriously,” Komendat said. Just over a quarter of the companies in the Fortune 500 reported spending money to protect their CEOs and top executives. Of those, the median payment for personal security doubled over the last three years to just under $100,000. Hours after the shooting, Komendat was on a call with dozens of chief security officers from big corporations, and there have been many similar meetings since, hosted by security groups or law enforcement agencies assessing the threats, he said. “It just takes one person who is motivated by a poster — who may have experienced something in their life through one of these companies that was harmful,” Komendat said. Associated Press reporters Wyatte Grantham-Philips in New York and Barbara Ortutay in San Francisco, contributed to this report. 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Blooket is an engaging educational platform that aims to make this process fun and competitive. And, because it is such a unique combination of fun and education, it captures students' attention exceptionally well. Blooket provides a dynamic learning platform, combining Quiz-style questions with different game styles, making learning competition combined with actual learning of the subject matter. Students are motivated to join in the fun when teachers create their new skills practice or review lessons in quiz game format with this platform. Blooket's immersive experience reinforces learning outcomes and creates a friendly learning environment. The flexible quiz options are one of Blooket's unique features. They can build their own quizzes to match their unique learning objectives or use a massive library of hundreds of thousands of questions created by other educators. This flexibility enables teachers to adapt quizzes to diverse class needs and subject areas. 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By encouraging them to play Blooket at school and at home, educators can keep their students interested in educational content. Blooket also has tons of existing question sets, but will probably require teachers to tweak them for best results. By slightly changing the questions or changing their formats to better suit their current lesson plans, teachers can customize an experience specifically tailored to their students. Not only does this save time but it makes sure that they are relevant to what is going on in class. Competition may motivate students in online learning environments; however, it may also heighten . To ease the competitive pressure in Blooket gameplay, teachers are able to control speed settings. Educators can create a relaxed learning environment, by changing the settings so that all students can participate regardless of the speed of their answer(s). A very simple tweak can improve the learning experience immensely. Topic: Teacher Engagement for Staff Using Blooket in the Classroom Educators can use the same kind of system to increase class participation — for example, by linking quiz performance to rewards. Gamifying aspects of the learning experience, such as by awarding students with “points” or “tokens” for completing assignments, can incentivize them to engage with the learning material more deeply. Not only does this strategy positively reinforce behaviors, but it also adds an educational aspect to a fun game experience which motivates students to play blooket. In order to use Blooket effectively in the classroom, teachers should first learn about the features the platform offers. Teachers can help create a seamless experience for learners, and they need to know how to create a quiz, game modes, and how to facilitate plays. To build teacher confidence with the platform, we started small, with one or two quizzes, and left time to continue adding complex functionality as they became more proficient in using the platform. Engagement is essential for a positive learning process. In addition to interactive quizzes, teachers can create buzz by adding collaborative elements to Blooket games. Incorporating peer learning is a way to reinforce cooperation and social interaction (students working in teams are 3 times more likely to finish a course) while allowing students to learn with (rather than just learn from) each other. In addition, providing competitions or challenges can also help create community and healthy competition that motivates students to participate and engage regularly. Finally, Blooket can be integrated with other teaching tools, making an easy flow of the lesson. This is a great robust platform that can work alongside many other instructional technology resources. When paired with digital homework platforms or cloud-based education tools, teachers can create holistic lesson plans that harness various methods of learning through Blooket. In addition, incorporating Blooket into other classroom techniques guarantees that all learning types are catered to, creating a more efficient and pleasurable education for each and every pupil. Blooket's fun features and recent updates, along with numerous customization options make the platform an important staple to get students thriving. Playing Blooket in school or at home with him, or her, serves as an engaging activity that promotes interest and enthusiasm. If teachers understand how to use Blooket's features and implement them well in their classes, they can make their lessons more welcoming and interactive — and hence can help facilitate education.Charly Arnolt blasts Kylie Kelce and Joe Rogan claim - 'the left hates him'