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2025-01-25
top 10 casino games online
top 10 casino games online Meanwhile, at the top of the table, the battle for the La Liga title continues to be fiercely contested by three of Spain's biggest clubs: Barcelona, Real Madrid, and Atletico Madrid. With each team showcasing their own strengths and weaknesses, the race for the championship remains wide open and unpredictable.If I'd invested $5,000 in this ASX S&P 500 Index Fund 5 years ago, here's how much I'd have now

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The release of Sora represents a significant step forward in OpenAI's mission to democratize AI technology and empower individuals and businesses to leverage the power of artificial intelligence for creative endeavors. By providing access to cutting-edge AI tools like Sora, OpenAI is helping to bridge the gap between technical expertise and creative expression, opening up new possibilities for innovation and storytelling.

There's no place like home for the holidays. And that may not necessarily be a good thing. In the wake of the very contentious and divisive 2024 presidential election, the upcoming celebration of Thanksgiving and the ramp-up of the winter holiday season could be a boon for some — a respite from the events of the larger world in the gathering of family and loved ones. Hours and even days spent with people who have played the largest roles in our lives. Another chapter in a lifetime of memories. That's one scenario. For others, that same period — particularly because of the polarizing presidential campaign — is something to dread. There is the likelihood of disagreements, harsh words, hurt feelings and raised voices looming large. Those who make a study of people and their relationships to each other in an increasingly complex 21st-century say there are choices that those with potentially fraught personal situations can make — things to do and things to avoid — that could help them and their families get through this time with a minimum of open conflict and a chance at getting to the point of the holidays in the first place. DO assess honestly where you are with it all For those who feel strongly about the election's outcome, and know that the people they would be spending the holiday feel just as strongly in the other direction, take the time to honestly assess if you're ready to spend time together in THIS moment, barely a few weeks after Election Day — and a time when feelings are still running high. The answer might be that you're not, and it might be better to take a temporary break, says Justin Jones-Fosu, author of “I Respectfully Disagree: How to Have Difficult Conversations in a Divided World.” “You have to assess your own readiness,” he says, “Each person is going be very different in this.” He emphasizes that it's not about taking a permanent step back. “Right now is that moment that we’re talking about because it’s still so fresh. Christmas may be different.” DON’T miss the bigger picture of what the holiday is all about Keep focused on why why you decided to go in the first place, Jones-Fosu says. Maybe it’s because there’s a relative there you don’t get to see often, or a loved one is getting up in age, or your kids want to see their cousins. Keeping that reason in mind could help you get through the time. DO set boundaries If you decide getting together is the way to go, but you know politics is still a dicey subject, set a goal of making the holiday a politics-free zone and stick with it, says Karl Pillemer, a professor at Cornell University whose work includes research on family estrangement. “Will a political conversation change anyone’s mind?" he says. “If there is no possibility of changing anyone’s mind, then create a demilitarized zone and don’t talk about it.” DON’T take the bait Let’s be honest. Sometimes, despite best efforts and intentions to keep the holiday gathering politics- and drama-free, there’s someone who’s got something to say and is going to say it. In that case, avoid getting drawn into it, says Tracy Hutchinson, a professor in the graduate clinical mental health counseling program at the College of William & Mary in Virginia . “Not to take the hook is one of the most important things, and it is challenging,” she says. After all, you don’t have to go to every argument you’re invited to. DO think about what will happen after the holiday If you risk getting caught up in the moment, consider engaging in what Pillemer calls “forward mapping.” This involves thinking medium and long term rather than just about right now — strategy rather than tactics. Maybe imagine yourself six months from now looking back on the dinner and thinking about the memories you'd want to have. “Think about how you would like to remember this holiday,” he says. “Do you want to remember it with your brother and sister-in-law storming out and going home because you’ve had a two-hour argument?” DON'T feel you have to be there uninterrupted Things getting intense? Defuse the situation. Walk away. And it doesn't have to be in a huff. Sometimes a calm and collected time out is just what you — and the family — might need. Says Hutchinson: “If they do start to do something like that, you could say, `I’ve got to make this phone call. I’ve got to go to the bathroom. I’m going to take a walk around the block.'"

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Judge dismisses charges against Karen Read supporter who scattered rubber ducks and fake $100 billsAngels trying another big move with Yusei Kikuchi signing. Plus, robot umps are nighAs the tournament draws near, the anticipation continues to build, with both teams intensifying their preparations for the battles that lie ahead. The clash between iG and TES is not just a showdown between two teams, but a reunion of old friends and former teammates who have since carved out their own legacies in the world of esports. The narratives of redemption, rivalry, and reconnection intersect in a thrilling display of skill, strategy, and sheer determination.

Manchester City's recent struggles in the Champions League have left fans and pundits alike questioning the future of the team under Pep Guardiola. After a shocking defeat to Lyon in the quarterfinals of the 2019-2020 Champions League, the pressure was on Guardiola and his squad to bounce back stronger in the following season. However, the start of the 2020-2021 campaign has been far from ideal for the Citizens.Q2 Fiscal 2025 Highlights Reports revenue of $11.5 Million Gross margin increased to 71% from 63% Net loss of $(4.2) million reflects $(4.9) million one-time non-cash lease related impairment charges for right-of-use assets and tenant leasehold improvements Adjusted EBITDA improved by 42% year-over-year due to continued cost controls PHOENIX, Dec. 16, 2024 (GLOBE NEWSWIRE) -- Aspen Group, Inc. (OTC Markets: ASPU) (“AGI” or the "Company"), an education technology holding company, today announced financial results for its second quarter fiscal year 2025 ended October 31, 2024. Second Quarter Fiscal Year 2025 Summary Results _______________________ 1 GAAP gross profit calculation includes marketing and promotional costs, instructional costs and services, and amortization expense of $0.5 million and $0.5 million, and $0.9 million and $1.0 million for the three and six months ended October 31, 2024 and 2023, respectively. 2 Net income (loss) in fiscal Q2 2025 and year-to-date fiscal 2025 includes a noncash impairment charge of $(4.9) million. Additionally, fiscal Q2 2025 and year-to-date fiscal 2025 contain a non-cash gain of $1.1 million and $1.9 million, respectively, related to the change in the fair value of put warrant liability. See further explanation on page 2. 3 Non-GAAP financial measures. See reconciliations of GAAP to non-GAAP financial measures under “Non-GAAP – Financial Measures” starting on page 5. “We made significant strides toward stabilizing our revenue in the second quarter of fiscal 2025 while achieving positive cash flow through disciplined cost management,” said Michael Mathews, Chairman and CEO of AGI. “Despite maintaining a disciplined marketing spend, we achieved notable improvements in our financial performance, particularly gross margin. Our gross margin expanded primarily due to the lower instructional costs from completing the AU Pre-licensure BSN program teach-out and increased efficiencies in USU’s instructional operations. Additionally, restructuring efforts reduced general and administrative expenses by 14% year-over-year. While our net loss was impacted by a one-time, noncash leasehold impairment charge, the lower instructional costs and expense reduction initiatives in the second quarter collectively drove a 42% year-over-year improvement in Adjusted EBITDA for the quarter and delivered modest year-to-date positive cash from operations.” Mr. Mathews concluded, “As of the filing of our quarterly report for the first quarter fiscal year 2025 with OTC Market, AGI is now fully compliant with the QB listing requirements. We have recently begun the process to resume trading on the OTCQB.” Fiscal Q2 2025 Financial and Operational Results (compared to Fiscal Q2 2024) Revenue decreased by 17% to $11.5 million compared to $13.8 million. The following table presents the Company’s revenue, both per-subsidiary and total: Aspen University's (“AU”) revenue decline of $2.5 million, or 35%, reflects the completion of the teach-out of the pre-licensure program and lower post-licensure enrollments in prior quarters as a result of the decrease in marketing spend initiated in late Fiscal Q1 2023. The active student body at AU decreased by 33% year-over-year to 3,827 at October 31, 2024 from 5,679 at October 31, 2023. United States University (“USU”) revenue was up 2% compared to the prior period. MSN-FNP program enrollments decreased in the quarter due to lower marketing spend initiated in late Fiscal Q1 2023. Lower enrollments were offset by higher revenue per student driven by more students entering their second year of the MSN-FNP program, which includes clinical rotations, and by tuition increases. The active student body at USU decreased by 6% to 2,560 at October 31, 2024 from 2,733 at October 31, 2023. GAAP gross profit decreased 7% to $8.1 million compared to $8.7 million primarily due to the overall student body decrease of 24%. Gross margin was 71% compared to 63%. AU's gross margin was 67% versus 61%, and USU's gross margin was 74% versus 67%. The increase in gross margin is the result of lower instructional costs from completing the AU Pre-licensure BSN program teach-out, increased efficiencies in USU’s instructional operations and lower marketing spend. AU instructional costs and services represented 26% of AU revenue, and USU instructional costs and services represented 23% of USU revenue. AU marketing and promotional costs represented 1% of AU revenue, and USU marketing and promotional costs represented 1% of USU revenue. In Fiscal Q2 2025 and year-to-date Fiscal 2025, our bottom line was materially impacted by a $4.9 million non-cash right-of-use assets and tenant leasehold improvements impairment charge. The charge is the result of the fact that AU is no longer able to utilize space for BSN Pre-licensure operations due to the completion of the teach-out. The charge represents the entirety of the remaining impairment exposure due to the teach-out. The impact of the charge to our operating expenses, net loss and EBITDA is presented in the following table: _____________________ NM – Not meaningful The following tables present the Company’s net income (loss), both per subsidiary and total: The following tables present the Company’s Non-GAAP Financial Measures, both per subsidiary and total. See reconciliations of GAAP to non-GAAP financial measures under “Non-GAAP – Financial Measures” starting on page 5. Adjusted EBITDA improved by $0.5 million due to the reduction in instructional costs and services related to the teach-out of the pre-licensure program, increased instructional efficiencies at USU and a decrease in general and administrative costs attributed to our restructurings. Operating Metrics New Student Enrollments Total enrollments for AGI decreased 30% from Fiscal Q2 2024 but increased 15% sequentially, despite the reduction in internet advertising spend across all programs to maintenance levels. The sequential increase in enrollments reflected an unusually strong month of August as prospective students enrolled prior to an annual tuition increase which took effect in September 2024. New student enrollments at AU decreased 37% year-over-year and at USU decreased 19% year-over-year. The new student enrollment decrease year-over-year was primarily impacted by our reduction in marketing spend. We anticipate the resumption of marketing spend in late Fiscal 2025 at a level necessary to provide enrollments needed to grow the student body and allow for the generation of positive operating cash flow. New student enrollments for the past five quarters are shown below: Total Active Student Body AGI’s active degree-seeking student body, including AU and USU, declined 24% year-over-year to 6,387 at October 31, 2024 from 8,412 at October 31, 2023. AU's total active student body decreased by 33% year-over-year to 3,827 at October 31, 2024 from 5,679 at October 31, 2023. On a year-over-year basis, USU's total active student body decreased by 6% to 2,560 at October 31, 2024 from 2,733 at October 31, 2023. Total active student body for the past five quarters is shown below: Nursing Students Nursing student body for the past five quarters is shown below . Liquidity The Fiscal Q2 2025 ending unrestricted cash balance was $0.8 million. The following three factors will help us continue to stabilize operating cash flow in the second half of Fiscal 2025. First, effective August 16, 2024, AU transitioned from the Heightened Cash Monitoring 2 (HCM2) to the Heightened Cash Monitoring 1 (HCM1) method of receiving student financial aid payments from the U.S Department of Education. This transition allows AU to disburse student financial aid using institutional funds and immediately draw down reimbursement by submitting disbursement records, eliminating payment delays and resulting in more consistent unrestricted cash balances. Second, we renegotiated the 15% Senior Secured Debentures in November 2024, reducing ongoing principal payments and changing the timing of principal payments from monthly to quarterly. Finally, the Company initiated a fourth restructuring late in the fourth quarter of calendar 2024, projected to reduce annual operating expenses by over $1.5 million. Cost reductions associated with the four restructuring plans and other corporate cost reductions were implemented to ensure that the company will have sufficient cash to meet its working capital needs for the next 12 months. Non-GAAP – Financial Measures This press release includes both financial measures in accordance with Generally Accepted Accounting Principles, or GAAP, as well as non-GAAP financial measures. Generally, a non-GAAP financial measure is a numerical measure of a company’s performance, financial position or cash flows that either excludes or includes amounts that are not normally included or excluded in the most directly comparable measure calculated and presented in accordance with GAAP. Non-GAAP financial measures should be viewed as supplemental to, and should not be considered as alternatives to net income (loss), operating income (loss), and cash flow from operating activities, liquidity or any other financial measures. They may not be indicative of the historical operating results of AGI nor are they intended to be predictive of potential future results. Investors should not consider non-GAAP financial measures in isolation or as substitutes for performance measures calculated in accordance with GAAP. Our management uses and relies on EBITDA, Adjusted EBITDA and Adjusted EBITDA Margin, which are non-GAAP financial measures. We believe that management, analysts, and shareholders benefit from referring to the following non-GAAP financial measures to evaluate and assess our core operating results from period-to-period after removing the impact of items that affect comparability. Our management recognizes that the non-GAAP financial measures have inherent limitations because of the excluded items described below. We have included a reconciliation of our non-GAAP financial measures to the most comparable financial measures calculated in accordance with GAAP. We believe that providing the non-GAAP financial measures, together with the reconciliation to GAAP, helps investors make comparisons between AGI and other companies. In making any comparisons to other companies, investors need to be aware that companies use different non-GAAP measures to evaluate their financial performance. Investors should pay close attention to the specific definition being used and to the reconciliation between such measure and the corresponding GAAP measure provided by each. AGI defines Adjusted EBITDA as EBITDA excluding: (1) bad debt expense; (2) stock-based compensation; (3) severance; (4) impairments of right-of-use assets and tenant leasehold improvements and (5) non-recurring (income) charges. The following table presents a reconciliation of net income (loss) to EBITDA and Adjusted EBITDA and of net income (loss) margin to the Adjusted EBITDA margin: The following tables present a reconciliation of Net income (loss) to EBITDA and Adjusted EBITDA and of Net income (loss) margin to the Adjusted EBITDA margin by business unit: ___________________ NM – Not meaningful Forward-Looking Statements This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 including the impact of our operating and debt restructurings, results of our resumption of marketing spend, and our liquidity. The words “believe,” “may,” “estimate,” “continue,” “anticipate,” “intend,” “should,” “plan,” “could,” “target,” “potential,” “is likely,” “will,” “expect” and similar expressions, as they relate to us, are intended to identify forward-looking statements. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. The results anticipated by any or all of these forward-looking statements might not occur. Important factors, uncertainties and risks that may cause actual results to differ materially from these forward-looking statements include, without limitation, the impact from our fourth restructuring plan, the effectiveness of our future marketing, our ability to sublease our remaining leases other than our executive offices and necessary space used by AU and USU, the continued high demand for nurses for our new programs and in general, student attrition, national and local economic factors including the labor market shortages, and competition from other online universities including the competitive impact from the trend of major non-profit universities using online education. . We undertake no obligation to publicly update or revise any forward-looking statements, whether as the result of new information, future events or otherwise. About Aspen Group, Inc. Aspen Group, Inc. is an education technology holding company that leverages its infrastructure and expertise to allow its two universities, Aspen University and United States University, to deliver on the vision of making college affordable again. Investor Relations Contact Kim Rogers Managing Director Hayden IR 385-831-7337 Kim@HaydenIR.com GAAP Financial Statements The following table provides a reconciliation of cash and cash equivalents and restricted cash reported within the accompanying consolidated balance sheet to the total amounts shown in the accompanying unaudited consolidated statements of cash flows:

Title: The Main Opposition Criticizes the Promise of "The New Government Will Begin Working Immediately After Establishment"After leaving Liverpool, Baros had stints at Aston Villa, Lyon, Galatasaray, and a number of other clubs before eventually returning to his homeland to finish his career at Banik Ostrava. Throughout his career, he scored over 200 goals and won numerous domestic and international trophies, cementing his legacy as one of the greatest Czech footballers of his generation.

In conclusion, the year 2024 has been a milestone year for China's economy, marked by genuine efforts and tangible outcomes. By prioritizing innovation, quality development, infrastructure, and SME resilience, China has demonstrated its capacity to overcome challenges and chart a course towards sustained prosperity. As we chart the path forward, let us look to China as an inspiration for what is possible when we combine vision, determination, and hard work to drive economic progress and social well-being.Nintendo has yet to comment on the pricing practices of third-party sellers, but the company has reaffirmed its commitment to providing high-quality products at affordable prices. Fans are hopeful that more stock of the alarm clock will become available in the future, allowing more people to enjoy this unique and collectible item without breaking the bank.

In a surprising twist for gamers, Nvidia’s latest driver update has introduced the “Nvidia App,” leading to significant performance decreases in certain scenarios. Performance benchmarks reveal that this app, included with Nvidia’s 566.36 driver, can cause frame rates to drop by up to 15% in some games, compared to previous figures with GeForce Experience. Last month, Nvidia placed the GeForce Experience on legacy status with the release of driver 566.14, nudging users towards their new app. By the time driver version 566.36 arrived, GeForce Experience was completely replaced by this new app. However, users have noticed that skipping the app entirely results in better gaming performance. The performance drop varies, though. Using the Nvidia RTX 4060, tests documented between a 2-12% decrease in frame rates across different games, such as Black Myth: Wukong and Assassin’s Creed Mirage. The most significant drops registered up to 15%, illustrating the drastic impact of this app compared to the enhanced yet costly RTX 4060 Ti. Oddly, a few outliers existed: games like Stalker 2 occasionally ran faster, hinting at inconsistencies likely tied to VRAM limitations. Meanwhile, Microsoft Flight Simulator 2024 saw a marginal gain at 1440p ultra settings. Amidst inquiries into the problem, some speculate that Unreal Engine 5 is particularly affected. While Nvidia investigates these issues, opting for a clean driver install without the accompanying app could be the best course for those prioritizing gaming performance over additional features. Nvidia’s Latest App Update: Do Performance Drops Outweigh New Features? Nvidia’s recent driver update has sparked significant discussion in the gaming community with the introduction of the “Nvidia App.” Designed to replace the legacy GeForce Experience, this new application is reportedly causing notable performance declines for gamers using certain hardware and configurations. Key Features and Specifications Nvidia’s latest software shift emphasizes an integrated ecosystem by phasing out the GeForce Experience in favor of this new app, included with driver 566.36. Despite its potential to unify driver management and gaming optimizations, early adopters report that the app may reduce frame rates by up to 15% in specific scenarios. Performance Review and Benchmarks Recent benchmarks indicate varying degrees of performance changes. On an Nvidia RTX 4060, for instance, gamers observed a 2-12% reduction in frame rates when playing titles like Black Myth: Wukong and Assassin’s Creed Mirage. In more extreme cases, the drop reached 15%, a stark contrast to the experience provided by the RTX 4060 Ti, albeit at a higher cost. Interestingly, anomalies suggest certain games, such as Stalker 2, occasionally perform better, hinting at intricate dependencies on VRAM and potentially game-specific optimizations. Microsoft Flight Simulator 2024 even showed slight gains at higher resolutions, highlighting the app’s potentially mixed impact. Unveiling the Pros and Cons Pros: – Centralized driver management – New features aimed at optimizing gameplay Cons: – Significant frame rate reductions in several popular games – Higher system resource demands – Potential inconsistencies linked to specific game engines, like Unreal Engine 5 Strategies for Gamers In light of these revelations, gamers dedicated to maximizing performance might consider performing a clean installation of Nvidia drivers without the app’s additional features. This approach can circumvent potential slowdowns, while Nvidia continues investigating and refining the app’s implications on gaming performance. Industry Trends and Predictions The move signifies a broader industry trend of consolidating hardware and software ecosystems. Despite immediate challenges, Nvidia’s shift could pioneer smoother transitions in the long run, as game developers and hardware manufacturers seek synergies in emerging technologies like ray tracing and AI-driven optimizations. Conclusion Nvidia’s introduction of the new app marks a notable evolutionary step toward modernization yet presents unforeseen performance trade-offs. As the gaming community evaluates whether the benefits justify the potential dips in gaming fluidity, the importance of future updates and community feedback becomes evident in shaping the app’s ongoing development. For further insights and updates about Nvidia’s innovations, visit the main site for Nvidia .

While the announcement of the job cuts has been met with criticism and concern from employee unions and labor advocates, the German Railway Freight Company has emphasized that it is committed to supporting those affected by the layoffs. The company has pledged to provide severance packages, job placement assistance, and training programs to help affected employees transition to new opportunities.

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