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Impact Of Growing Online Shopping Adoption: A Key Driver Transforming The Photo Printing And Merchandise Market 2024Appalachian State hires South Carolina offensive coordinator Dowell Loggains as head coach
The leaked images showcase a stunning interior that combines elegance and innovation in equal measure. The first thing that catches the eye is the use of high-quality materials throughout the cabin. Plush leather upholstery, polished wood accents, and brushed aluminum trim create a sophisticated and upscale ambiance that rivals that of top luxury brands.Thirdly, the growing influence of global factors on the A-share market has introduced new complexities for investors. With increased interconnectedness of global financial markets, events and developments in international markets can have ripple effects on A-share performance. Factors such as geopolitical tensions, trade disputes, and global economic trends can exert significant influence on local market sentiment and investment flows. Investors must maintain a global perspective and consider the impact of external factors on A-share investments to make informed decisions.The upcoming meeting between the Prime Minister and opposition leaders is expected to be a crucial step towards finalizing the details of the power transfer. Key issues such as timelines, responsibilities, and safeguards will likely be on the agenda, with both sides aiming to ensure a smooth and orderly transition.
Arizona State routed Iowa State 45-19 in the Big 12 championship game Saturday. The victory caught the attention of former alumni from both schools, including San Francisco 49ers teammates Brandon Aiyuk and Brock Purdy. More News: 49ers' Nick Bosa Game Status Revealed as Talanoa Hufanga Returns from IR Aiyuk, a former receiver for Arizona State, took to social media to call out Purdy, a former quarterback for the Cyclones after ASU won its first conference title since 1996. "Brock, my brother, let me get that brother," Aiyuk said in a video posted to his Instagram story . "Let me get that, all blue ,please. Make sure it's all there too. Thank you." Based on Aiyuk's comments, it can be inferred the 49ers offensive duo had made a bet on which of their alma maters would take home the Big 12 championship trophy. Following the dominant victory by Arizona State, the Sun Devils will now wait for their College Football Playoff seeding fate to be revealed. The bracket and seeds for the 12-team tournament will be unveiled Sunday. ASU put up 464 total yards of offense against the Cyclones. Star running back Cam Skattebo rushed for 170 yards and two touchdowns. Freshman quarterback Sam Leavitt completed 12 of 17 passes for 219 yards and three scores. Arizona State scored 35 unanswered points in the program's lights-out victory against ISU. While the Sun Devils have had an unforgettable season in Kenny Dillingham's second year as head coach of the program, a series of unfortunate events have transpired for the 49ers. Aiyuk landed a blockbuster contract extension after the saga of the offseason finally came to an end just days before San Francisco's season opener. The star receiver signed a four-year, $120 million contract. By no fault of his own, Aiyuk's lengthy hold-in was just the tip of the iceberg for the 49ers this season. Star running back Christian McCaffrey then missed the first half of the season after his Achilles tendinitis unfurled into a severe injury. The gravity of McCaffrey's injury was serious enough to send McCaffrey to see a specialist in Germany. As the McCaffrey injury saga continued, Aiyuk sustained a season-ending ACL/MCL injury in Week 7. Since then, McCaffrey returned for just four games before returning to injured reserve. Running back Jordan Mason, who played in 12 games this season, also hit the IR. Purdy also dealt with an unexpected shoulder injury that sidelined him in Week 12, but he is expected to play this Sunday against the Chicago Bears. Although the 49ers have endured a trying season, the team camaraderie is evident with Aiyuk's jest toward Purdy following the Big 12 championship game. For more on the NFL and NCAA, visit Newsweek Sports .
Military service academies see drop in reported sexual assaults after alarming surge
In conclusion, the former Spanish Foreign Minister's insights shed light on the nuanced and evolving nature of Sino-European relations. While cooperation is essential for addressing global challenges, it is equally important to acknowledge and address the challenges that threaten to undermine the partnership. By fostering open dialogue, upholding shared values, and finding common ground, China and Europe can navigate the complexities of their relationship and continue to work towards a more prosperous and sustainable future together.Title: Unleashing the Power of Large-scale Models: Unveiling the Definitive Growth in E-commerce
In conclusion, the November CPI data from the National Bureau of Statistics highlights the resilience of China's economy amid global uncertainties and domestic challenges. The marginal increase in CPI and the decline in housing prices signal a complex economic landscape that requires prudent policy measures and strategic planning to ensure sustainable development. By staying vigilant and proactive in addressing economic issues, China can maintain stability and promote long-term growth for the benefit of its citizens and the global economy as a whole.
Fans of Beijing Guoan have already begun to express their support and excitement for the new era under Valverde's leadership. Many are optimistic about the positive changes and improvements that he will bring to the team, and are eagerly anticipating the start of the new season.Meanwhile, the victors of the match celebrated a hard-fought win that not only boosted their confidence but also gave them much-needed points in their own battle to stay afloat in the Premier League. The energy and determination displayed by the team on the pitch were commendable, showcasing the fighting spirit that is required to succeed in the unforgiving world of top-flight football.
With rising prices across the country, Americans are growing more concerned about their financial future . In a recent study from MarketWatch Guides , nearly 90 percent of respondents reported feeling financial stress. In this tense economic time, many people are turning to registered investment advisers (RIAs) for help. "The primary benefit of an RIA is the ability to plan your short- and long-term financial goals with an adviser who has experience recommending investments that meet your needs," Alex Beene, a financial literacy instructor at the University of Tennessee at Martin, told Newsweek over email. "They're especially helpful if you have little to no background in investing and need guidance." But growing a client's assets through personalized planning and strategies is not the only thing a great RIA does—they must also build and maintain trust. When choosing an RIA, one must look beyond the portfolio and consider an adviser's conflicts of interest. According to the U.S. Securities and Exchange Commission (SEC), RIAs are legally required to always act in their client's best interest. To ensure they are, firms must comply with federal and state regulations and disclose any activity or connections that might put their fiduciary duties at risk. In Newsweek 's latest ranking of America's Top Financial Advisory Firms 2025 , more than 15,000 SEC-registered RIAs were evaluated based on overall performance, adviser-client ratio and the breadth of financial services provided. It also identified any wrongdoing that might make them less trustworthy for clients, such as disciplinary actions and conflicts. Each firm was screened for reputational risks, including legal disputes and scandals within the last two years. The sweep searched for various legal and regulatory actions made against firms by the SEC, the Commodity Futures Trading Commission (CFTC), foreign and domestic courts and federal, state and foreign regulatory authorities. Disciplinary actions include: RIAs must also file compliance reports with the SEC that list any conflicts to ensure firms do not breach their fiduciary obligations to clients. These discretions include: A firm's total score was based on the total market value of its assets under management (AUM) and the compound annual growth rate (CAGR) of revenue in both the past 12 months and also the past five years, as well as other factors, like adviser-client ratio and client retention. Then Newsweek /Plant-A deducted 0.5 percent from a firm's score for each self-reported conflict of interest and excluded firms with serious disciplinary actions against them. In total, 750 firms across 45 states, the District of Columbia and Puerto Rico were included in the ranking and were rated with four, four and a half, and five stars. Because RIAs must act solely in the best interest of their clients, regulatory agencies take conflicts of interest very seriously. Eliminating or at least exposing conflicts strengthens the trust between adviser and client and protects the clients from harm. According to the SEC , "an investment adviser's obligation to act in the best interest of its client is an overarching principle that encompasses both the duty of care and the duty of loyalty." Prime Capital Financial, formerly known as Prime Capital Investment Advisors, received a five-star rating on Newsweek 's ranking. The Kansas-based firm has a total AUM range over $10 billion and an AUM CAGR of 10 to 20 percent over five years. "We believe that every decision begins and ends with what is best for the client. While many firms focus solely on numbers, we prioritize understanding our clients' broader life goals and creating strategies that support their values and vision," Chief Marketing Officer Terra McBride told Newsweek over email. "Our advisers combine deep technical expertise with a commitment to building meaningful, long-term relationships." While it should be the goal for all RIAs to eliminate all conflicts of interest, some may persist. That is why current and potential clients should be aware of what each RIA is offering. Kevin Thompson, founder and CEO of 9i Capital Group LLC, told Newsweek that understanding conflicts of interest helps clients ensure they're being treated fairly and not receiving recommendations solely for the adviser's benefit. "It's critical to recognize that no business model is entirely free of conflicts," he said over email. "Clients should pay attention to how advisers are compensated." These conflicts, Thompson said, are disclosed verbally during client meetings or in engagement agreements that clients sign during onboarding. Conflicts may also be presented on a firm's website to ensure clients are making informed decisions about the relationship. Firms are also required to disclose those conflicts in their reports to the SEC and state regulators. Fort Sheridan Advisors in Highland Park, Illinois, received a five-star rating on Newsweek 's list and has a total AUM range of $500 million to $1 billion and an AUM CAGR of 20 to 30 percent over five years. The firm believes its commitment to transparent communication, personalized service and advanced technology builds loyalty and reduces client attrition, John Brinckerhoff, a strategic adviser for the firm, told Newsweek over email. The firm has made several technological improvements recently, including switching to client relationship management software, which it says is better for RIAs. Brinckerhoff said this upgrade allows them to streamline operations, improve responsiveness and ensure that the firm is meeting client needs in a timely manner. Beginning a financial planning journey can be daunting, but getting help can be the first step in reducing money anxiety and achieving personal financial goals. "The biggest mistake you can make is indecisiveness," financial literacy instructor Alex Beene said. "As stressful as diving into the investment world can be, it's far more stressful not taking the leap and realizing years down the road how much could have been gained."ALBANY ‒ Sometimes finding the perfect gift for an avid hunter or angler can be difficult. The Georgia Department of Natural Resources Wildlife Resources Division has a few suggestions that will allow hunters on any Christmas list to enjoy the outdoor activities they love, regardless of age and experience. The gift of a youth license, a lifetime license or an annual hunting or fishing are all great examples of how to give access to the great outdoors and provide support for Georgia wildlife and state-managed lands. While a lifetime license purchase includes a free durable license card, you can put any annual license on a beautiful “collector’s hard card” (a credit card-sized durable license card) giving you the perfect stocking stuffer or wrap-able gift. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.
For the gunman and his team, adding a player of the Brazilian star's caliber would not only provide a boost to their attacking options but also add a touch of finesse and flair to their overall play. With his skill set and experience at the highest levels of the game, the Brazilian midfielder could be the missing piece that propels the team to greater success.
In conclusion, the case of the alleged indecent photos involving Greenland Group's chairman raises important considerations about the power of information, the impact of rumors, and the need for ethical conduct in the business world. Let us use this incident as an opportunity to reflect on the importance of accuracy, accountability, and integrity in all our dealings.In a dynamic and rapidly evolving environment, leadership transcends traditional paradigms. It requires adaptability, foresight and a deep understanding of the unique challenges and opportunities shaping our country’s socioeconomic landscape. As the Philippines navigates the crossroads of technological innovation, environmental sustainability, workforce transformation and geopolitical shifts, leaders must guide their organizations and communities toward a resilient and prosperous future. The Philippines has emerged as one of the most dynamic economies in East Asia and the Pacific. With a growth rate of 6 percent in the first half of this year, it is among the top performers in the region. Rapid technological advancements, reshaping industries and creating new growth pathways underpin this robust economic performance. The integration of artificial intelligence, blockchain and digital platforms has revolutionized sectors, such as finance, health care, education, transport and logistics, offering unprecedented opportunities for innovation and efficiency. However, the swift pace of technological change also presents challenges, particularly in terms of workforce readiness and digital infrastructure sufficiency. Leaders must invest in upskilling initiatives to enable employees to survive and thrive in a digital economy. Moreover, fostering a culture of continuous learning and adaptability is essential to navigate the complexities of technological transformation. The Philippines is acutely vulnerable to the impacts of climate change. Frequent typhoons, rising sea levels and environmental degradation pose significant threats to communities and economic stability. Recognizing this, the government and the private sector must increasingly prioritize sustainability initiatives to mitigate environmental risks and promote resilience. Leaders are now tasked with integrating sustainable practices into their organizational strategies, aligning business objectives with environmental stewardship. Such action involves adopting renewable energy sources, implementing eco-friendly supply chain practices, and engaging in corporate social responsibility programs that address environmental concerns. By championing sustainability, leaders contribute to preserving natural resources and enhancing their organizations’ reputations and long-term viability. The Philippine workforce is undergoing a significant transformation, driven by its youthful demographics. With 28 percent of the population aged 10 to 24, our country enjoys a considerable labor market advantage. This demographic profile offers both opportunities and challenges, compelling leaders to unlock the potential of a young and rapidly evolving workforce. The rise of remote work, the gig economy and the integration of multigenerational teams necessitate reevaluating traditional management approaches. Leaders must cultivate inclusive environments that value diverse perspectives and foster collaboration across generational divides. Adopting flexible work arrangements, promoting work-life balance and investing in employee well-being are critical strategies for recruiting and keeping top talents. The Philippines’ strategic location in Southeast Asia is at the center of complex geopolitical dynamics, particularly concerning territorial disputes in the South China Sea. The government’s efforts to balance relations with major powers, including the United States and China, require astute leadership to navigate diplomatic intricacies while safeguarding our national interests. Economic uncertainties, such as global trade tensions and fluctuating commodity prices, further underscore the need for resilient and adaptable leadership. Leaders must develop robust risk management frameworks, diversify markets and foster innovation to mitigate external shocks and sustain economic growth. The pressures of modern work, exacerbated by the COVID-19 pandemic, have brought mental health and well-being to the forefront of organizational priorities. Leaders in the Philippines are increasingly recognizing the importance of creating supportive work environments that prioritize employee well-being. Implementing mental health programs, providing access to counseling services and promoting a culture of openness and support are essential steps in addressing this critical issue. By prioritizing mental health, leaders enhance employee satisfaction and productivity and contribute to their organizations’ overall resilience and sustainability. To address these multifaceted challenges effectively, Philippine leaders are adopting new approaches that emphasize agility, inclusivity and purpose-driven strategies. Agile leadership: In an environment marked by rapid change, agile leadership enables organizations to adapt swiftly to emerging trends and challenges. This approach involves iterative decision-making, encouraging a continuous improvement culture and giving teams the freedom to innovate. Inclusive leadership: Embracing diversity and fostering inclusivity are vital for driving innovation and organizational success. Leaders must actively seek diverse perspectives, promote equitable opportunities and create environments where all employees feel valued and empowered. Stakeholder capitalism: Beyond shareholder-centric models, stakeholder capitalism considers the needs and interests of all stakeholders, including employees, customers, communities and the environment. This holistic approach aligns business success with societal well-being. Servant leadership: By prioritizing the needs of others and focusing on the growth and well-being of employees and communities, servant leaders build trust and foster a sense of purpose within their organizations. In the contemporary Philippine context, success is redefined to encompass financial performance, social impact, environmental sustainability and human development. Purpose-driven leadership: Organizations with a clear mission that aligns with societal values are better positioned to inspire loyalty and drive long-term success. Purpose-driven leaders articulate a vision that resonates with employees and stakeholders, fostering a shared commitment to meaningful goals. Sustainable growth: True success entails achieving economic growth that is environmentally sustainable and socially inclusive. Leaders must balance short-term gains with long-term objectives, ensuring that their organizations contribute positively to society and the planet. Employee engagement and well-being: Leaders must recognize that employees are the organization’s backbone and must invest in their development, well-being and engagement. They must also provide growth opportunities, promote work-life balance and establish an inclusive and encouraging work environment. Reputation and trust: In an era of transparency and accountability, an organization’s reputation is critical. Leaders must uphold ethical standards, demonstrate integrity and build stakeholder trust to sustain long-term success. As the Philippines continues to navigate the complexities of the modern era, leaders across sectors are called upon to embrace transformative approaches that align with the nation’s unique challenges and opportunities. By fostering innovation, championing sustainability, prioritizing employee well-being and navigating geopolitical dynamics with strategic insight, leaders can drive progress that benefits their organizations and society. The journey ahead requires a commitment to continuous learning, adaptability and a steadfast dedication to creating value that transcends traditional metrics of success. By leading with purpose, empathy and integrity, Philippine leaders have the opportunity to shape a future that is resilient, inclusive and prosperous for all. INQ Subscribe to our daily newsletter By providing an email address. I agree to the Terms of Use and acknowledge that I have read the Privacy Policy . The author is former president of the Management Association of the Philippines and former secretary of the Department of Trade and Industry. Feedback at [email protected] and [email protected] .
Title: One Year Anniversary of Dong Yuhui's "Short Essay" Incident: Business Horizons Continue to ExpandRenuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | California case is the first confirmed bird flu infection in a US child Health | Broward Health and Nicklaus Children’s Hospital to share pediatric services Health | Foodborne outbreaks on the rise in Florida: What consumers need to know Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.
