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bmy88 com app Cyber Monday shoppers expected to set a record on biggest day for online shopping"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" Thanks for your interest in Kalkine Media's content! To continue reading, please log in to your account or create your free account with us.Legitimately amazing gifts that are currently on sale

Analysis: Protecting QBs from violent late hits like the one that leveled Trevor Lawrence isn't easyWith public projects disrupted following the political changeover on August 5 and the interim government exercising caution in spending, the implementation rate of the annual development programme (ADP) fell to at least 14-year low in the July-October period of this fiscal year. The government allocated Tk 278,288 crore for the ADP this fiscal year, up 9.6 percent from last fiscal year's revised budget of Tk 254,000 crore. However, in the first four months of FY25, implementing agencies could spend only Tk 21,978 crore, according to data from the Implementation Monitoring and Evaluation Division (IMED). They spent Tk 31,692 crore during the same period in the last fiscal year. This was reflected in the drop in the implementation rate, which fell from 11.54 percent to just 7.90 percent year-on-year in the four-month period. The government could implement only 14.25 percent of the ADP in the same period in FY20. According to the IMED officials, all projects under the ADP are on hold as contractors, who fled following the ouster of the Awami League government, are yet to return to work. The ADP implementation rate is usually slow at the beginning of the fiscal year, said Mir Nasir Hossain, managing director of construction company Mir Akhter Hossain Ltd. But this year is different due to the political changeover and anti-discrimination student movement, which impacted the ADP implementation, he said. Besides, the government is identifying project which are not that important, for which the rate of implementation of the ADP is slow compared to that of previous years, he said. However, Hossain is hopeful that the ADP implementation would gain pace in the third quarter of the fiscal year as the interim government would by then identify ways to expedite implementation of the development work. Among the 56 ministries and divisions that received a portion of the ADP allocation, the Cabinet Division, foreign affairs ministry, law and justice division, and parliament secretariat were unable to spend a single paisa. Another seven agencies spent less than one percent of their allocations. Among the 15 agencies that received the largest allocations, the local government division performed the best, managing to spend 13.90 percent of its total allocation followed by the Ministry of Science and Technology at 13.63 percent. Additionally, the Ministry of Agriculture managed 11.58 percent and the Ministry of Railways 12.90 percent. The IMED officials said the government is currently reviewing projects on a priority basis. They added that some projects, which were taken up on political consideration and which caused the implementation rate to slow, would be scrapped. However, the officials opined that implementation would gather momentum after the decisions were finalised. Meanwhile, steelmakers demanded that the government accelerate the implementation of development projects to provide relief to the industry, which has seen sales decline by 40 percent due to low public sector demand. According to Bangladesh Steel Manufacturers Association, the government accounts for 67 percent of the country's total steel consumption.

NoneBorno approves N1.6bn for rehabilitation of 33 schools affected by floods

Consumers in the United States scoured the internet for online deals as they looked to take advantage of the post-Thanksgiving shopping marathon with Cyber Monday. Even though e-commerce is now part and parcel of many people's regular routines and the holiday shopping season, Cyber Monday — a term coined in 2005 by the National Retail Federation — has become the biggest online shopping day of the year, thanks to the deals and the hype the industry has created to fuel it. Adobe Analytics, which tracks online shopping, expected consumers to spend $13.2 billion Monday — a record, and 6.1% more than last year. That would make it the biggest shopping day for e-commerce for the season — and the year. Online spending was expected to peak between the hours of 8 p.m. and 10 p.m. on Monday night, per Adobe — reaching an estimated $15.7 million spent every minute. For several major retailers, a Cyber Monday sale is a dayslong event that began over the Thanksgiving weekend. An Amazon Prime delivery person lifts packages while making a stop Nov. 28, 2023, in Denver. Amazon kicked off its sales event right after midnight Pacific time on Saturday. Target's two days of discount offers on its website and app began overnight Sunday. Walmart rolled out its Cyber Monday offers for Walmart+ members Sunday afternoon and opened it up to all customers three hours later, at 8 p.m. Eastern time. Consumer spending for Cyber Week — the five major shopping days between Thanksgiving and Cyber Monday — provides a strong indication of how much shoppers are willing to spend for the holidays. Many U.S. consumers continue to experience sticker shock after the period of post-pandemic inflation, which left prices for many goods and services higher than they were three years ago. But retail sales nonetheless remain strong, and the economy kept growing at a healthy pace. At the same time, credit card debt and delinquencies are rising. More shoppers than ever are also on track to use "buy now, pay later" plans this holiday season, which allows them to delay payments on holiday decor, gifts and other items. Many economists also warned that President-elect Donald Trump's plan to impose tariffs next year on foreign goods coming into the United States would lead to higher prices on everything from food to clothing to automobiles. A FedEx delivery person carries a package from a truck Nov. 17, 2022, in Denver. The National Retail Federation expects holiday shoppers to spend more this year both in stores and online than last year. But the pace of spending growth will slow slightly, the trade group said, growing 2.5% to 3.5% — compared to 3.9% in 2023. A clear sense of consumer spending patterns during the holiday season won't emerge until the government releases sales data for the period, but some preliminary data from other sources shows some encouraging signs for retailers. Vivek Pandya, lead analyst at Adobe Digital Insights, noted that discounts from Thanksgiving onward "exceeded expectations" and online spending throughout Cyber Week is on track to cross a record $40 billion mark combined. U.S. shoppers spent $10.8 billion online on Black Friday, a 10.2% increase over last year, according to Adobe Analytics. That's also more than double what consumers spent in 2017, when Black Friday pulled in about $5 billion in online sales. Consumers also spent a record $6.1 billion online on Thanksgiving Day, Adobe said. Meanwhile, software company Salesforce, which also tracks online shopping, estimated that Black Friday online sales totaled $17.5 billion in the U.S. and $74.4 billion globally. Mastercard SpendingPulse, which tracks in-person and online spending, reported that overall Black Friday sales excluding automotive rose 3.4% from a year ago. A United Parcel Service driver sorts deliveries July 15, 2023, on New York's Upper West Side. E-commerce platform Shopify said its merchants raked in a record $5 billion in sales worldwide on Black Friday. At its peak, sales reached $4.6 million per minute — with top categories by volume including clothing, cosmetics and fitness products, according to the Canadian company. Toys, electronics, home goods, self-care and beauty categories were among the key drivers of holiday spending on Thanksgiving and Black Friday, according to Adobe. "Hot products" included Lego sets, espresso machines, fitness trackers, makeup and skin care. Other data showed physical stores saw fewer customers on Black Friday, underscoring how the huge crowds that were once synonymous with the day after Thanksgiving are now more than happy to shop from the comfort of their homes. RetailNext, which measures real-time foot traffic in stores, said its early data showed store traffic on Friday was down 3.2% in the U.S. compared to last year, with the biggest dip happening in the Midwest. Sensormatic Solutions, which also tracks store traffic, said its preliminary analysis showed retail store traffic on Black Friday was down 8.2% compared to 2023. Grant Gustafson, head of retail consulting and analytics at Sensormatic Solutions, noted that in-store traffic was getting spread across multiple days since many retailers offered generous discounts before and after Black Friday. "Some of the extended Black Friday promotions really ended up leading to a little bit of a softer day-of traffic than expected," Gustafson said. In 2024, staying small on purpose seems to be paying off big for small businesses. They're keeping operations small and targeting niche, highly specialized customers. And some business owners find this strategy results in more time, energy, and money to intentionally capitalize on unique, small cap opportunities. The data tells the story of growth in small businesses for the year. According to NEXT , the Small Business Administration (SBA) reports awarding 38,000 SBA 7(a) loans under $150,000: double the amount they awarded in 2020. Here are the related small-business trends paying off in 2024. Commercial real estate agent Ryan Beckenhauer of Market Real Estate in Boulder, Colorado, has noticed that small businesses are growing smaller, and that their office and warehouse spaces are starting to reflect that as they shop for business space. In commercial real estate, many small business owners gravitate toward industrial condos and other flexible spaces. These are small-scale industrial spaces with a 90:10 or 80:20 split of warehouse to office. "More individuals are leveraging skills acquired at larger organizations to venture out on their own," explains Beckenhauer. And he goes on to say that they don't need a large commercial space as they make that leap to start a business. His clients include engineers, consultants, builders and other tradespeople. Beckenhauer's clients like the flexibility of being out of an office and being close to their inventory and workshop space. "The clients want to see and touch the finishes," he says. Small business owners both rent or buy these spaces. But he's seeing his clients opt to own industrial condos to stabilize costs due to rent increases in Boulder. And because these spaces are smaller, it can be easier for new buyers to qualify for financing. Mariana Alvarez, owner of Controller Works , an online bookkeeping and advisory firm, has noticed that small business owners outsource financial support services because they don't want to increase headcount. "Outsourcing gives them the possibility of having access to the knowledge and the skills of a CFO without having to pay for the salary," she says. "They don't have to manage or deal with the workload, employment taxes , and all that comes with it," says Alvarez. Additionally, many small business owners in fields like construction are family-owned, and this makes it easier for business owners to hand off delicate financial work to a trusted person with financial experience. Every small business has recurring tasks that can benefit from some level of artificial intelligence automation . And Alvarez sees a lot of value in using AI for small business bookkeeping. She explains that you can automate the data entry on Quickbooks. "When you create rules, as long as you create the rules correctly, it pretty much does itself," says Alvarez. From there, you can lean on financial experts to help you analyze the data and make more informed decisions. She uses AI as a background resource when guiding her accounting clients. "I believe that we still need the human-to-human interaction that comes with more perspective for financial analysis," she explains. According to the SBA , 77% of consumers feel that human interaction is still required for a positive customer experience. People turn to small businesses every day for a human experience. According to Arvind Rongala, CEO of Edstellar , small business workers can show up for their customers but still use AI for routine tasks like customer queries. "This balance allows companies to scale their operations without losing the personal touch that makes them unique. It's important to remember that AI isn't there to replace the human element—it's there to enhance it," he says. "By really focusing on one very small weakness that Amazon has, I've been able to carve out a successful business by offering something different," says Lou Harvey owner of Tank Retailer , a retailer of commercial water and fuel tanks. "When you read our customer reviews, many of them actually mention me by name because of how much we focus on customer service and go the extra mile." One of Harvey's most successful business strategies this year has been to lean into his small, niche market and offer the kind of customer experience that large retailers like Amazon don't. "Any small weaknesses that Amazon has (however small those weaknesses may be) needs to become a strength of a smaller business focusing on a niche market," says Harvey. Harvey has his company's customer service phone number front and center on the website to help earn customer trust. "I prominently feature our phone number, and a real person always answers the phone (usually it's me)," says Harvey. Lucie Voves, CEO and founder of Church Hill Classics , an online, woman-owned diploma framing company that uses sustainable materials, has noticed an uptick in customers seeking services from a business on a mission. "This year, we've seen a growing inclination for consumers to actively seek out and support small businesses owned by women and minorities," says Voves. When consumers shop small, they choose to make their dollars count. "Customers are fueled by a desire to promote social impact through purchasing power," says Voves. Long gone are the days of online retailers "building it and they will come." In 2024 we've seen more small businesses than ever turn to social commerce to sell directly on social media platforms like Instagram Shopping , Facebook Marketplace , and TikTok . Small business owners are turning toward influencers, social media ads, and organic content to target their customers. Mike Vannelli of Envy Creative creates online ads for businesses, and he has seen his clients succeed on TikTok of late. "I've seen businesses, especially in retail, use TikTok's short-form video format to make their products go viral. Think of it as word-of-mouth marketing on steroids," says Vannelli. He uses the platform's algorithm to push a company's content to the right audiences, and it works because TikTok loves storytelling. "I know small brands that use behind-the-scenes videos, customer testimonials, and even playful challenges that tap into trends to humanize their products and build trust," explains Vannelli. To stand out on TikTok, he says, smaller brands need to embrace authenticity and emotional connection. Show your team, share your journey, and involve your community in content creation. This story was produced by NEXT and reviewed and distributed by Stacker. Get the latest local business news delivered FREE to your inbox weekly.Ohio State, Michigan players involved in postgame scuffle

Los Alamos Chief Engineer Joins Nuclear Fusion Startup Fuse to Lead Federal BusinessThe comprehensive three-day program takes place on February 20-22, 2025 in the Greater Palm Springs, California area, with an optional pre-meeting workshop and a session on AI in cosmetic surgery organized by the AACS's Committee on Artificial Intelligence CHICAGO , Dec. 16, 2024 /PRNewswire/ -- The American Academy of Cosmetic Surgery (AACS) , the world's largest multi-specialty home for physicians dedicated to cosmetic surgery and aesthetic medicine, will conduct its 41st Annual Scientific Meeting (ASM) on February 20-22, 2025 , with an optional pre-meeting workshop, Sculpting Human Figure 101: The Integration of Art and Science, on February 19 . Recognized globally for its commitment to educating for patient safety since it was founded in 1985, the AACS will hold this signature Continuing Medical Education (CME) program in-person at the La Quinta Resort & Club in the Greater Palm Springs, California area. The meeting includes a comprehensive scientific program focused on top-quality education, patient safety, and cutting-edge developments in the field of cosmetic surgery and aesthetic medicine. Attendees will have ample opportunities to network, learn, and share ideas with industry leaders from across the country and around the world. Offering 32 educational sessions led by foremost experts in cosmetic surgery, the scientific program content spans diverse specialties, such as dermatology, otolaryngology, general surgery, oral, and maxillofacial surgery, ophthalmology, and plastic and reconstructive surgery. The program includes an outstanding array of featured guest speakers , including opening keynote speaker Sandra Lee , MD, FAACS (widely known as Dr. Pimple Popper), Women in Cosmetic Surgery keynote speaker Susan Dunn , LMT, NMT, 2025 Webster Lecturer Edward M. Zimmerman , MD, and closing keynote speaker, Elda Fisher , MD, DMD, FACS . Attendees will experience pioneering sessions on the latest techniques and developments in cosmetic surgery, including the integration of innovative artificial intelligence (AI) technologies into cosmetic surgery, body contouring, face lift surgery, ultrasound-guided Brazilian butt lift, breast, rhinoplasty, liposuction, skin rejuvenation and regenerative medicine, gender affirmation, and more. The rich program offers a variety of learning formats to suit every participant, including: short abstract presentations during which colleagues will share their latest techniques, discoveries, and cases; a drop-in video session for observing in-depth surgical techniques; small-group sessions for intimate discussions and expert insights; a Morbidity and Mortality (M&M) Conference focused on managing complications; a GOAT (Greatest of All Time) Panel with tips from industry veterans, and formal poster presentations. An annual highlight, The Webster Society Gala Dinner will celebrate the legacy of Dr. Richard Webster and honor the esteemed 2025 Webster Lecture recipient Dr. Edward Zimmerman . Allied Health professionals can participate in a dedicated track featuring practice management and clinical topics designed for mid-level providers. There will be an Injectables Day, featuring a three-session track on the latest techniques and advancements in injectables and a breakfast session titled, "Charting Your Course: From Training To Triumph in Cosmetic Surgery" will be offered to those newer to the field. In keeping with the Academy's mission to advocate for patient safety and ensure that new advancements meet the highest standards of care, the recently formed AACS Committee on Artificial Intelligence will present a session on "AI and New Frontiers in Cosmetic Surgery," moderated by Committee Chair Albert Carlotti , MD, DDS, FAACS , and Giselle Prado-Wright , MD, MBA. This cutting-edge session will share insights and knowledge needed to navigate the evolving AI landscape. As Dr. Carlotti comments, "Artificial intelligence is reshaping industries worldwide, and cosmetic surgery is no exception. By proactively addressing the opportunities and challenges of AI, we can ensure that these advancements enhance - not compromise - our commitment to excellence in patient care." The optional pre-meeting workshop on Wednesday, February 19 will be presented by Sculpting for Surgeons, LLCTM , featuring professional sculptor and aesthetic surgeon Dr. Peter Schmid . Didactic presentations and an interactive sculpting experience will provide perspectives that can be directly applied to patient analysis, cosmetic surgical planning, execution, and ongoing practices. AACS President Mo Banki , MD, DMD, FAACS comments, "Our 41st Annual Scientific Meeting offers stellar opportunities for cosmetic surgery practitioners from around the world to learn from and be inspired by leading cosmetic surgery and aesthetic medicine experts, deepen their knowledge and understanding of the latest research and techniques, and exchange ideas with one another in the interest of advancing the profession." Scientific Program Chair Lisa Chipps , MD, FAACS, notes, "Given our deep commitment to education and patient safety. we are thrilled to offer such a dynamic program that will abundantly share new findings, new research, new techniques, and new ideas from outstanding cosmetic surgery practitioners." The full AACS ASM program can be viewed here . Details about the pre-meeting workshop can be accessed here . Cosmetic surgery practitioners may register here for the 2025 AACS ASM. About the American Academy of Cosmetic Surgery (AACS) The American Academy of Cosmetic Surgery (AACS) is committed to advancing the multi-specialty, global disciplines of cosmetic surgery and aesthetic medicine for the benefit of patients and practitioners. Since its inception in 1985, the AACS has become the leading educational provider for cosmetic surgery practitioners from a diverse array of medical specialties, including dermatology, oral & maxillofacial surgery, otolaryngology, general surgery, ophthalmology, and plastic/reconstructive surgery. AACS is composed of over 1,600 members who pursue educational and training opportunities in cosmetic surgery to ensure consistently high quality patient care. View original content to download multimedia: https://www.prnewswire.com/news-releases/the-american-academy-of-cosmetic-surgery-aacs-presents-its-41st-annual-scientific-meeting-featuring-groundbreaking-educational-sessions-and-an-innovative-pre-meeting-workshop-302332821.html SOURCE American Academy of Cosmetic Surgery (AACS)Cyber Monday tabletop gaming deals have been particularly nice this season, and especially when it comes to board game deals. But just because board games have largely had all the fun, that doesn't mean there aren't deals to be found for Dungeons & Dragons. For example, the Young Adventurer's Collection Box Set is at a record-low price that's hard to beat. This Cyber Monday deal is just $14.94 over on Amazon at the moment. Given that the set of four books typically retails for $34.99, that's a saving of about $20. This is the lowest price I've ever seen on the collection, with previous offers all handing around the $23 mark over the last few months. When it comes to the best Cyber Monday gaming deals , it's hard to beat the bang for the buck as presented here. Should you buy the The Young Adventurer's Collection Box Set 1? When people think of D&D, they probably often think of running a campaign or the big imposing rulebooks that are hard for people to engage with initially. It's a classic conundrum: how do you best introduce someone to D&D if they have no familiarity with it whatsoever? Enter the Young Adventurer's Guides! The four books in this box set – Monsters & Creatures, Warriors & Weapons, Dungeons & Tombs, and Wizards & Spells – are explicitly designed to bring young fans into the fold by introducing various concepts in a straightforward, easy-to-understand way. It's not going to directly teach anyone how to play D&D, but it will introduce them to important aspects of the game that will make learning that much easier. And the good news is: there's a second set if this one lands particularly well! If this loot doesn't interest you, be sure to check out our guide to Cyber Monday board game deals and Cyber Monday deals for gamers .

Patriots turn their attention to the future after being eliminated from playoff contention