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lol646 casino online games philippines withdrawal 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. People are also reading... 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I lost all my food: FEMA goes door-to-door in Hickory with Hurricane Helene aid From the earth, for the earth: Why plant-based eating is here to stay 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. The 7 small business trends that paid off in 2024 The 7 small business trends that paid off in 2024 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. 1. Small and cozy office spaces in industrial and flex condos 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. 2. More outsourcing of financial services 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. 3. Automating bookkeeping tasks with AI 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. 4. AI-driven customer service 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. 5. Personalized customer experiences "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. 6. Businesses promoting social impact 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. 7. Increased social commerce sales 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.For a few more weeks, Biden retains the responsibilities and powers of the nation’s highest office. If he believes his words, he must take urgent action to strengthen our democracy, even as he works to ensure a peaceful transfer of power. President-elect Donald Trump has made little secret of his desire for unchecked power, whether to be a dictator on day one, weaponize the Department of Justice against perceived enemies or strip broadcast licenses from disfavored media outlets. But this has yet to come to pass. America only has one president at a time. If Biden’s campaign ad was more than political bluster — and his lifetime of dedicated public service suggests it was heartfelt — he must now do everything he can to safeguard our fundamental rights. So what can he do? First, he can shore up protections for the dedicated career civil servants who keep us safe. Doctors, scientists and bank inspectors ensure the prescribed drugs are safe, our water is free of toxins, our jobs won’t cause us injury and our life’s savings won’t disappear when we make a deposit. Civil servants in agencies such as the FBI, CIA and Defense Department keep us safe from terrorists and foreign adversaries. With his billionaire Cabinet picks and quid-pro-quo style, Trump will replace servants of the people with those who serve him. He doesn’t want career civil servants to blow the whistle when his actions sacrifice Americans’ safety and well-being to benefit his wealthy friends. Solidifying job protections for civil servants gives them what authoritarians hate most: the ability to stand up, speak truth and ensure our laws are followed. Biden says he’s the most labor-friendly president in a generation. Now he must aggressively side with public workers in contract negotiations and offer whistleblower training to put our health and safety over the interests of billionaires. Second, Biden can recognize the Equal Rights Amendment to protect women. Many in Trump’s orbit are pushing him to use draconian measures to block Americans’ access to reproductive care. His nominee for defense secretary has said he believes women are less effective fighters and shouldn’t serve in ground combat units. Trump also could scale back efforts to combat sex discrimination in the workplace and health care. The ERA could offer vital constitutional protections. Virginia ratified it in 2020 and was the last state needed to bring it into force, but it has yet to be formally recognized as the 28th Amendment to the Constitution. This is the case even as the nation’s leading scholars and the American Bar Association argue it has already been adopted. Biden has the power to clarify this once and for all. Finally, Biden should do all he can to prepare our military, law enforcement and intelligence communities to uphold the rule of law and push back against attempts to weaponize them against law-abiding citizens. The Republican-led House of Representatives has passed two bills to safeguard journalists and stop the government from purchasing Americans’ private location, web history and search data without a warrant. Biden must press the Senate to take immediate action on these bills. Through training and guidance, he also can reiterate that presidential immunity does not shield military and law enforcement officers from the legal requirement to follow only lawful orders. Additionally, his administration can lay out constraints on the domestic deployment of federal forces, even if they are ultimately reversed. Biden’s term isn’t over, nor is his responsibility to the children and grandchildren watching him, waiting to see what kind of America they will inherit. Urgent actions are sitting on the most powerful desk in America. We must now ask the lifelong statesman and patriot who sits behind it: What will you do to protect our democracy?NEW DELHI: Emphasising on the use of technology in implementation of the new criminal laws, Union home minister Amit Shah on Tuesday said it should enable generation of alerts for all criminal cases at pre-defined stages and timelines - right from registration to disposal - for the benefit of victims and complainants. Chairing a review meeting on implementation of Bharatiya Nyaya Sanhita , Bharatiya Nagarik Suraksha Sanhita and Bharatiya Sakshya Adhiniyam with National Crime Records Bureau (NCRB) brass, Shah suggested alerts for investigation officers and senior officers as per pre-defined timelines, so as to expedite the probe process. The review meet - attended by senior officials of home ministry, NCRB and National Informatics Centre - took stock of the implementation of integration of various software and databases pertaining to investigation, prosecution, forensics and courts at all-India level. These include the crime and criminal tracking network and systems (CCTNS), national automated fingerprint identification system, prisons, courts, prosecution and forensics with the Interoperable Criminal Justice System (ICJS) 2.0. Shah directed NCRB to facilitate complete implementation of new criminal laws in ICJS 2.0, besides emphasising on usage of apps like eSakshya, Nyaya Shruti, eSign and eSummons in every state and UT. In a separate meeting on Tuesday, Shah also reviewed the implementation of new criminal laws in Uttarakhand, with the state chief secretary and DGP, in the presence of CM Pushkar Singh Dhami. Asking Dhami to fully implement the laws - which he said are becoming "protectors of civil rights" and the basis of "ease of justice" - as soon as possible, he emphasised on the need to fill the gaps in technology and other areas for their 100% rollout. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , Location Guesser and Mini Crossword . Spread love this holiday season with these Christmas wishes , messages , and quotes .NEW YORK , Dec. 23, 2024 /PRNewswire/ -- A closed-end fund that invests in global equities using a disciplined value approach Average weekly trading volume of approximately 48,746 shares Fund's adviser has more than 50 years of small- and micro-cap investment experience *Not Annualized Important Performance and Expense Information All performance information reflects past performance, is presented on a total return basis, and reflects the reinvestment of distributions. Past performance is no guarantee of future results. Current performance may be higher or lower than performance quoted. Returns as of the most recent month-end may be obtained at www.royceinvest.com . The market price of the Fund's shares will fluctuate, so that shares may be worth more or less than their original cost when sold. The Fund invests primarily in securities of small-cap and mid-cap companies, which may involve considerably more risk than investing in larger-cap companies. The Fund's broadly diversified portfolio does not ensure a profit or guarantee against loss. From time to time, the Fund may invest a significant portion of its net assets in foreign securities, which may involve political, economic, currency and other risks not encountered in U.S. investments. 1 Geometric Average : This weighted calculation uses each portfolio holding's market cap in a way designed to not skew the effect of very large or small holdings; instead, it aims to better identify the portfolio's center, which Royce believes offers a more accurate measure of average market cap than a simple mean or median. 2 Harmonic Average : This weighted calculation evaluates a portfolio as if it were a single stock and measures it overall. It compares the total market value of the portfolio to the portfolio's share in the earnings of its underlying stocks. The Price-Earnings , or P/E, ratio is calculated by dividing a company's share price by its trailing 12-month earnings-per-share (EPS). The Fund's P/E ratio calculation excludes companies with zero or negative earnings (18% of portfolio holdings as of 11/30/24). The Price-to-Book, or P/B, Ratio is calculated by dividing a company's share price by its book value per share. The Price-to-Book , or P/B, Ratio is calculated by dividing a company's share price by its book value per share. Net leverage is the percentage, in excess of 100 %, of the total value of equity type investments, divided by net assets. Portfolio Composition Recent Developments The investment goal of Royce Global Trust is long-term growth of capital. Under normal market circumstances, the Fund will invest at least 80% of its net assets in equity securities, such as common stock and preferred stock, and at least 65% of its net assets in the equity securities of companies located in at least three countries outside of the United States . Royce & Associates, LP manages the Fund. Daily net asset values (NAVs) for Royce Global Trust are now available on our website and online through most ticker symbol lookup services and on broker terminals under the symbol XRGTX. For more information, please call The Royce Funds at (800) 221-4268 or visit our website at www.royceinvest.com . An investor in Royce Global Trust should consider the Fund's investment goals, risks, fees, charges, and expenses carefully before purchasing share's of the Fund's common stock. Important Disclosure Information Closed-End Funds are registered investment companies whose shares of common stock may trade at a discount to their net asset value. Shares of each Fund's common stock are also subject to the market risks of investing in the underlying portfolio securities held by the Fund. Royce Fund Services, LLC. ("RFS") is a member of FINRA and has filed this material with FINRA on behalf of each Fund. RFS does not serve as a distributor or as an underwriter to the closed-end funds. SOURCE Royce Global Value Trust, Inc.

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Trend Vision OneTM – Email and Collaboration Security is a critical part of Trend's centralized attack surface risk management (ASRM) platform DALLAS , Dec. 17, 2024 /PRNewswire/ -- Trend Micro Incorporated ( TYO: 4704 ; TSE: 4704 ), a global cybersecurity leader, today announced its positioning as a Leader in the 2024 Gartner® Magic QuadrantTM for Email Security Platforms (ESP) . Rachel Jin , Chief Enterprise Platform Officer at Trend: "While technology continues to evolve, email remains the number one form of business communication—and a critical threat vector. Centralizing visibility and control as part of a fully integrated security architecture enables our customers to accelerate compliance and mitigate risk." Trend's flagship ESP product, Trend Vision OneTM – Email and Collaboration Security, is seamlessly integrated as part of a comprehensive ASRM and XDR platform for correlated intelligence and enhanced cross-layer security delivered from a single source. According to Gartner, "Leaders have a strong vision for the future of ESPs, balanced with the Ability to Execute on those visions. While Leaders may vary in product efficacy or functionality, their services offered are consumable by broad swathes of the email market and have strong commitments to customer success. Leaders are early to identify new attack trends and move quickly to fill gaps created by an evolving threat landscape, either by innovation or acquisition. Leaders excel with technical capabilities, infrastructure that supports progressive product strategies, and an emphasis on customer success." Trend has always prioritized continuous customer feedback, starting early on in the development lifecycle, in order to drive innovation, generate new product ideas and align solutions with user expectations. Core capabilities of Trend's ESP include: Trend's sales strategy is built on deep industry expertise and extensive intelligence. This enables the company to anticipate and rapidly respond to market shifts. *Gartner, Magic Quadrant for Email Security Platforms, By Max Taggett , Nikul Patel , Franz Hinner , Deepak Mishra , 16 December 2024 Gartner does not endorse any vendor, product or service depicted in its research publications and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner's Research & Advisory organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose. GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally, Magic Quadrant is a registered trademark of Gartner, Inc. and/or its affiliates and is used herein with permission. All rights reserved. About Trend Micro Trend Micro, a global cybersecurity leader, helps make the world safe for exchanging digital information. Fueled by decades of security expertise, global threat research, and continuous innovation, Trend Micro's AI-powered cybersecurity platform protects hundreds of thousands of organizations and millions of individuals across clouds, networks, devices, and endpoints. As a leader in cloud and enterprise cybersecurity, Trend's platform delivers a powerful range of advanced threat defense techniques optimized for environments like AWS, Microsoft, and Google, and central visibility for better, faster detection and response. With 7,000 employees across 70 countries, Trend Micro enables organizations to simplify and secure their connected world. www.TrendMicro.com . View original content to download multimedia: https://www.prnewswire.com/news-releases/trend-micro-named-a-magic-quadrant-leader-for-email-security-platforms-302334254.html SOURCE Trend Micro Incorporated