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Janet Yellen tells Congress US could hit debt limit in mid-JanuaryMELBOURNE, Australia , Dec. 10, 2024 /PRNewswire/ — After just nine months in the market, Firmable is rapidly gaining traction as Australia’s leading B2B sales and marketing database. This early success signals a shift in how Australian businesses are approaching sales growth, prioritising accurate, localised data to drive results. Firmable has already onboarded over 1,500 users from more than 500 companies through the platform, capitalising on its unique value proposition: a deeply localised dataset that provides unmatched accuracy and breadth. Australian businesses are increasingly switching from global competitors to Firmable, drawn by its ability to deliver reliable data and local support. According to Matt Perrott , CEO and co-founder of BuildPass: “Compared to ZoomInfo, Firmable has much wider coverage, accuracy, and depth of local data for only a fraction of the price.” G2 , the largest and most trusted business software comparison site, recently recognised Firmable’s position as a market leader by awarding High Performer Badges in the Sales Intelligence and Lead Management categories on customer satisfaction in the Australian market. Firmable was also named Easiest to Do Business With based on exceptional customer ratings. These accolades reflect Firmable’s commitment to delivering unparalleled value and service to its customers. Leigh Jasper , co-CEO and co-founder of Firmable, remarked: “Firmable was founded to tackle one of the biggest challenges we observed in the Australian market – access to reliable and accurate B2B data. Australian businesses deserve a local solution that truly understands their needs, and Firmable is delivering exactly that.” “We created Firmable to solve a problem we experienced firsthand: the lack of accurate and reliable B2B data for Australian businesses,” said Tara Salmon , Chief Revenue Officer of Firmable. “The impact is clear – our outbound sales team has achieved exceptional results, using Firmable as their own data tool, generating $160K in monthly pipeline per SDR, despite an ACV of < $10,000 . This efficiency highlights how the right data and tools enable more effective B2B sales.” Looking ahead to 2025, Firmable plans to continue scaling its operations while introducing innovative AI-driven tools, including predictive signals and AI agents. These enhancements will empower users to target leads more effectively and improve their sales efficiency, further cementing Firmable’s position as a market leader. “Our lean approach and internal use of AI have enabled us to focus on growth without overextending,” added Salmon. “By equipping our Go-To-Market team with the tools and data they need, we’ve created a streamlined process that’s delivering results at scale.” With plans to deepen its database and expand its product offerings, Firmable is positioned for accelerated growth in 2025. The company’s focus on delivering value through local expertise and innovative technology has resonated with Australian businesses, making Firmable the go-to choice for B2B data. About Firmable Firmable is Australia’s definitive B2B database platform, helping businesses drive smarter decisions and outperform by knowing more about their leads, customers, and candidates than ever before. The platform provides access to the largest database of Australian companies in one place with a rich set of attributes, allowing sales and marketing teams to accelerate growth, better engage with their customers, and save time by leveraging reliable market intelligence. View original content to download multimedia: https://www.prnewswire.com/apac/news-releases/firmable-hits-1500-users-gaining-momentum-in-the-australian-market-302325915.html SOURCE Firmable Pty Ltd.Janet Yellen tells Congress US could hit debt limit in mid-January

Louisville will aim to end a three-game losing streak when it hosts UTEP on Wednesday, but beating the Miners may not be an easy feat. UTEP (6-2) comes to the Derby City winners of three straight, most recently beating Seattle 88-72 on Saturday. The Miners shot 56.1 percent (32 of 57) and used a 24-2 first-half run to essentially put the game away. Coach Joe Golding said that first-half performance may have been UTEP's best in his four years leading the school. "I thought offensively and defensively the first 20 minutes we were really locked in and ready to go. (The game) never got close," he said. "We kept it at 20-plus points for the majority of the game. Our ball movement was terrific." Ahamad Bynum led the Miners with 19 points on 7-of-9 shooting off the bench, while Otis Frazier III added 18 points and five assists. Frazier (13.6 points per game) and Bynum (12.1 ppg) are among four UTEP players averaging in double figures. Bynum leads the country shooting 63.3 percent from beyond the 3-point arc, though he has attempted just 30 threes, making 19. Louisville (5-4) also started hot in its last game but could not sustain its momentum in a 76-65 home loss to then-No. 9 Duke on Sunday. Coach Pat Kelsey's team, which had just seven players healthy, made 10 of its first 14 shots to build a 30-16 lead before the Cardinals' lack of depth caught up to them. Louisville shot just 9-of-37 (24.3 percent) after its hot start and was outscored 43-28 after halftime. Terrence Edwards Jr. paced the Cardinals with 21 points in his first game as a reserve this season. Edwards (11.9 ppg) is one of four Louisville scorers averaging double figures, led by Chucky Hepburn leads the team in scoring (14.3 ppg) and is second in the country with 3.2 steals per game. The Cardinals entered the season with expectations of rotating 10 or more players to utilize Kelsey's up-tempo attack. However, swingman Kasean Pryor (knee) and guard Koren Johnson (shoulder) will both miss the rest of the season, while forward Aboubacar Traore (arm) is out indefinitely. After Sunday's loss, Kelsey did not rule out adding players to the roster during the season. "Everything's on the table," he said. "I don't sleep, figuring out what buttons to push to get this team to be the best that they can be. We'll scour every inch of the Earth to figure out how we can improve our team. And whether that happens or not, I have no idea, but I'm willing to try anything." --Field Level Mediaenowned sportscaster , a fixture in the world of and a beloved voice for decades, following a brave battle with cancer, his family confirmed on Friday. In a heartfelt statement, shared their sorrow: , earning him a revered place in sports broadcasting. Best known for his work with CBS, he became a household name as the host of the NCAA Tournament and as a play-by-play announcer for NFL games. left an indelible mark on fans and colleagues alike. CBS mourned Gumbel's passing Greg Gumbel's journey at CBS began decades ago, . After joining the network in 1998, he quickly became the lead play-by-play announcer . Later, he hosted for two seasons before returning to call NFL games in 2006, after the 2022 season. , president and CEO of CBS Sports, expressed his in a statement: An icon of sports journalism Though Gumbel due to his courage and determination . Greg Gumbel leaves behind . His iconic voice will echo , and his impact on the industry will not be forgotten.Brentford boss Thomas Frank claimed Brighton forward Joao Pedro should have been sent off during his side’s goalless Premier League draw at the Amex Stadium. Pedro escaped punishment after swinging an arm at Bees substitute substitute Yehor Yarmoliuk without making contact. VAR reviewed the second-half incident but deemed there was no violent conduct. Frank and Brighton head coach Fabian Hurzeler disagreed about the decision. “As I understand the rules, you can’t swing your arm to try to hit someone,” said Frank. “If you hit them or not, it’s a red, that’s the way I understand the rules.” Frank spoke to the match officials, including referee Andy Madley, about the flashpoint at full-time. “They haven’t seen the situation yet, not on TV afterwards,” said Frank. “To be fair to him, I think the angle can be tricky so that’s why you’ve got VAR.” Asked about Frank’s assessment, Hurzeler replied: “Interesting opinion. I see it completely different. “For me, it’s not a red card. He tried to get free from a person.” Brighton were booed off after their winless run was stretched to six top-flight games. Albion dominated for large periods and hit the woodwork inside four minutes through Julio Enciso. Bees goalkeeper Mark Flekken made some important saves before being forced off injured in the 36th minute, albeit his replacement Hakon Valdimarsson was rarely tested on his Premier League debut. The Seagulls remain 10th ahead of Monday’s trip to Aston Villa, with Brentford a position and two points below moving towards their New Year’s Day showdown with Arsenal. Hurzeler thought the jeers at full-time were unfair. “The team doesn’t deserve that because in all the games we had in the last weeks they were all good, they were all intense, they were all where we thought we deserved more” said the German, whose team have lost to Fulham and Crystal Palace and drawn with Southampton, Leicester and West Ham in recent matches. “We try to work hard to satisfy our supporters, we try to give them what they deserve, we try to make them proud. “But the Premier League is tough. We know there will be (tough) periods we have to go through, especially with this young squad. “We try to stick together, find the positive and keep on going.” Brentford, who remain without a top-flight away win this term, had an early Yoane Wissa finish ruled out for offside following VAR intervention but barely threatened, despite an improved second-half showing. Frank, who is awaiting news on Flekken and defender Ben Mee, who also left the field injured, said: “I thought it was a fair point. “Brighton were better in the first half, no big, clearcut chances, and I thought we were better second half. “Overall, I’m happy with the performance, especially the way we defended. “We haven’t had too many clean sheets this season, so in that context I thought it was very impressive against a good Brighton team. “We know we have a lot of players out – we get two more injuries during the game. “The way the players showed their mentality and character and dug in was hugely impressive.”

NEW YORK , Nov. 22, 2024 /PRNewswire/ -- Today the Sexual and Reproductive Justice Hub (SRJ Hub) at the CUNY Graduate School of Public Health and Health Policy (CUNY SPH) launched the newest iteration of the civil society-led Global 16 Days of Activism to End Gender-based Violence campaign. For more than 30 years, feminist activists and movements around the world have used the 16 days between the International Day for the Elimination of Violence Against Women ( November 25 ) and Human Rights Day ( December 10 ) to advocate for an end to gender-based violence. With the help of the SRJ Hub, the campaign now will transition into a year-round initiative, reflecting the 365-days-a-year efforts of feminist activists to shift norms, secure accountability, and transform power structures that oppress women, girls, and gender-diverse people. The 2024 campaign responds to requests from grassroots organizers who asked for more flexible and diverse campaign messages, illustrations, and resources. Their perspectives are complemented by insights from the campaign's Advisory Council composed of scholars and organizers with deep experience in gender, economic, racial, reproductive, and environmental justice. Bodily autonomy, the 2024 campaign theme, makes visible the ways different causes and manifestations of gender-based violence are linked. By avoiding a uniform, standardized approach, the campaign will enable local partners to adapt materials according to their unique needs, prioritizing authenticity and safety in local activism. "Women's and feminist gender justice organizations and movements have always been at the forefront of the push for bodily autonomy, and now more than ever we need to support the efforts of grassroots organizers who know what works in their contexts," said CUNY SPH Senior Associate Dean for Academic and Student Affairs Terry McGovern . "The campaign materials will allow organizers to mix and match sample images and messages or use their own." The SRJ Hub continues to encourage funders to support the requests of grassroots organizers for multi-year, trust-based core funding that advances their efforts to promote bodily autonomy and end gender-based violence. This includes support for local events and strategic resources or organizers in restrictive environments. Addressing Urgent Global Trends A confluence of global trends threaten previously enshrined protections and push equality farther out of reach for far too many women, girls, and gender-diverse people across the globe. These include femicide and restrictions on abortion access; exclusion and marginalization of LGBTQI+ people; growing gender inequality as debt crises, austerity measures, and corruption crowd out social expenditures; conflict and occupation enabled by disregard for international law; increasingly frequent and devastating climate crises; and failure to fully engage with patriarchal practices driving the popularity of anti-gender movements. Bodily Autonomy Theme Connects Movements At a time when equality remains out of reach for far too many women, girls, and gender-diverse people across the globe and many previously enshrined protections are being rolled back, the 2024 campaign theme will amplify the efforts of feminist grassroots groups to resist and counter the impacts of gender-based violence by framing bodily autonomy as a fundamental human right. The campaign defines bodily autonomy as the freedom to express every thought, feeling, need, and desire through our bodies, each uniquely shaping who we are . "Too often campaigns focus on suffering and victimization," said SRJ Hub consultant Oriana López Uribe, who led the campaign strategy design process. "We want people to imagine what life could be like if everyone had the power and right to make choices about our physical selves, and to feel empathy and solidarity with others who want the same thing." This approach is reflected in the campaign's principles, which emphasize positivity, bravery, and collective care for all: Grassroots organizers who reviewed and contributed to the sample messages told us, "I like the different levels of messaging, the intentional counter-messaging for some of the more dominant narratives, and some really simple questions that can lead to rich conversations. Many messages were a refreshing change from NGO comms which I appreciate," and "I appreciate the nuances in the design of the framework and in the messaging. It has been a long time since I encountered those layers in a global campaign. And I love that the messaging is evoking emotions and not dictating policy solutions. I think this is a tactic that progressive movements have abandoned and that anti-rights groups are good at." The campaign is on Instagram, 'X' and TikTok as @365toEndGBV and c ampaign materials are available for download after submitting individual or collective information in this form . The campaign materials include sample templates, illustrations, and messages in Arabic, English, French, Spanish, Portuguese, and Russian, as well as tips for designing campaigns and activities, and examples from other campaigns. The SRJ Hub plans to update and expand materials throughout the year based on user feedback. Media contact: Clarisa Bencomo Clarisa.Bencomo@sph.cuny.edu 917-702-0998 About the Sexual and Reproductive Justice Hub In 2024, the City University of New York Graduate School of Public Health and Health Policy (CUNY SPH) began hosting the Global 16 Days Against Gender-Based Violence campaign following the closure of its founding host, the Center for Women's Global Leadership at Rutgers University . The campaign is housed at the Sexual & Reproductive Justice Hub (SRJ Hub) at CUNY SPH, which coordinates solutions-oriented scholarship, training, and advocacy, centering the lived experiences of women of color and funding their and other marginalized people's work. Our work is informed by our experience as part of the United States' largest, oldest, and most diverse urban public university system, with faculty, staff, and students connected to communities and populations around the world. Origin of the Global 16 Days Campaign The Global Campaign was launched in 1991 at the first Women's Global Leadership Institute held by the Center for Global Women's Leadership (CGWL), with the goal of raising awareness of GBV as a human rights violation. From the beginning, the Campaign brought together a diverse group of activists and researchers working at all levels from grassroots to international, and united in their belief that ending GBV requires local and global work to change the norms and systems that drive GBV in all its manifestations. Under CGWL's stewardship the Global Campaign gained traction in more than 187 countries, with participation from over 6,000 organizations and a reach of over 300 million. It played a pivotal role in gaining recognition of GBV as a human rights violation in the 1993 Vienna Declaration and Program of Action and the 1995 Beijing Declaration and Platform for Action . Early campaign themes addressed health impacts of GBV, cultural drivers, racism, sexism, and militarism, among others. More recent campaign themes have included femicide (2021-2022), violence against women working in the informal economy (2020), and violence and harassment in the world of work (2018 – 2019). The latter included advocacy in support of the adoption of the historic International Labor Organization (ILO) Convention 190 , concerning the elimination of violence and harassment in the world of work (2019). In August 2022 , CGWL sadly closed its doors after 31 years of collaborative and transformative global work. The 16 Days Campaign is now housed at CUNY SPH, ensuring that the important work of CGWL will continue going forward. About CUNY SPH The CUNY Graduate School of Public Health and Health Policy (CUNY SPH) is committed to promoting and sustaining healthier populations in New York City and around the world through excellence in education, research, and service in public health and by advocating for sound policy and practice to advance social justice and improve health outcomes for all. View original content to download multimedia: https://www.prnewswire.com/news-releases/16to365-new-resources-for-year-round-activism-to-end-gender-based-violence-and-strengthen-bodily-autonomy-for-all-302314570.html SOURCE CUNY SPH

Principal Financial Group Inc. stock underperforms Monday when compared to competitorsGOJO President and CEO, Carey Jaros , Corporate Sales Director Moshe Lewis and National Sales VP, Ashley Fubini , received top honors for industry leadership AKRON, Ohio , Nov. 21, 2024 /PRNewswire/ -- GOJO President and CEO, Carey Jaros received the Jack D. Ramaley Industry Distinguished Service Award from ISSA in recognition of her outstanding service to the cleaning industry. With an audience of more than 500 industry colleagues, Jaros accepted the prestigious award, named after ISSA's executive director from 1960 to 1981. In accepting the award, Jaros praised ISSA, the GOJO team, distributor partners, and customers for their leadership in advancing the global cleaning industry through collaboration, mentorship, and participation in industry initiatives to help the sector grow and thrive. "I firmly believe that any time a leader is recognized that recognition ultimately belongs to their team, as none of us accomplish anything worthy of an award like this on our own," said Jaros. "So, it's my honor to accept the Jack D. Ramaley Award on behalf of all of Team GOJO, who are so passionate, hard-working, and purpose-driven, and our awesome distributor partners, who ultimately enable our PURELL products to get to people out in the world, and who are also dear friends and colleagues who push us to get better and better." In addition to Jaros' award, GOJO Corporate Sales Director, Moshe Lewis was selected as a member of the inaugural class of ISSA Emerging Leaders for 2024, and was the 1 st Runner Up for the Rising Star Award. Lewis is part of a group of 30 industry professionals that represent the next generation of leaders and was selected from a group of more than 100 nominations of industry professionals under the age of 40 for his outstanding contributions, leadership, and commitment to driving the industry forward. In addition to Jaros and Lewis' honors, the ISSA Hygieia Network awarded GOJO's National Sales Vice President Ashley Fubini the Rising Star of the Year Award. The award recognizes the significant achievements of an ISSA Hygieia member who has demonstrated consistent upward mobility in her career within the cleaning industry. Along with GOJO's multiple awards, the company continued to wow the ISSA Trade Show attendees with its newest dispensing system - PURELL ® ES 10. The PURELL ES10 is our simplest, most sustainable touch-free dispensing system. 3 This ground-breaking technology proves that less is more with less maintenance and less waste, all while delivering more ways to impress. Significant features of the new product include: Less Maintenance Less Waste More Ways to Impress GOJO is certified by the Women's Business Enterprise National Council (WBENC) as a Women's Business Enterprise, so purchasing these dispensing systems and PURELL ® refills can help customers achieve their supplier diversity goals and demonstrate their commitment to fostering diversity and equity. Businesses and government entities can now purchase the PURELL ® ES10 Dispensing Systems across the United States . Interested customers can visit (insert link) to learn more or contact their GOJO distributor. A video of the new dispensing system can be viewed here . About GOJO Industries GOJO is a Purpose-driven, 3rd generation Family Enterprise whose market-leading PURELL® soap, hand sanitizer, surface sprays and wipes are used around the world to help keep people healthy and well. A WBENC-certified women-owned business, for more than 75 years, GOJO has used science-based innovation to set new standards in safety, efficacy, and sustainability for both consumers and in public spaces like hospitals, schools, restaurants. GOJO is headquartered in Akron, Ohio with manufacturing facilities located in Northeast Ohio . For more information on GOJO Industries, please visit GOJO.com . Footnotes: 1 Per standard use under normal usage conditions 2 Compared with ES8 3 Has less 30% less plastic per refill and a 38% reduction in greenhouse gas emissions compared to ES8 system. View original content to download multimedia: https://www.prnewswire.com/news-releases/gojo-shines-at-issa-trade-show-celebrating-success-with-multiple-industry-awards-302313642.html SOURCE GOJO Industries, Inc.

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City receives $446,000 Shannon Grant for safetyWake Forest keeps trying new things early in the season, even if not all of the adjustments are by design. The Demon Deacons will try to stick to the script when Detroit Mercy visits for Saturday's game in Winston-Salem, N.C. The Demon Deacons (5-1) will be at home for the final time prior to three consecutive road games. Detroit Mercy (3-2) already has two more victories than all of last season. After a couple of narrow wins and a loss at Xavier, Wake Forest had a smoother time earlier this week in defeating visiting Western Carolina 82-69 on Tuesday night. Yet these are games when teams have to figure where contributions are going to come from in certain situations. The experimenting took a turn for Wake Forest in the Western Carolina game. Center Efton Reid III had limited minutes because of migraines, so there was a shift in responsibilities. Normal backcourt players Cameron Hildreth and Juke Harris logged time at the power forward slot. "That's just part of it," coach Steve Forbes said. "They did a good job adjusting. We ran a lot of stuff and there are several guys learning different positions. ... I give credit to those guys for doing the best job that they could do on the fly and adjusting to the play calls that we ran and the stuff that we changed." Wake Forest could excel if both Parker Friedrichsen and Davin Cosby can be consistent 3-point threats. Friedrichsen slumped with shooting in the first few games of the season and was replaced in the starting lineup by Cosby. In Tuesday's game, Friedrichsen drained four 3-pointers, while Cosby hit two. "It was really good to see Parker and Davin both make shots together," Forbes said. Not everything was solved for the Demon Deacons. Western Carolina collected 12 offensive rebounds, and that took some of the shine off Wake Forest's defensive efforts. "We can't be a good defensive team, or a really good defensive team, unless we rebound the ball," Forbes said. "It's demoralizing to your defense to get stops and then not get the ball." In Detroit Mercy's 70-59 win at Ball State on Wednesday, Orlando Lovejoy tallied 19 points, seven rebounds and five assists. "We got the ball to the shooters and playmakers," first-year Titans coach Mark Montgomery said. "You could tell by the guys' body language that we were going to get a road win. It had been a long time coming." On Saturday, the Titans will look for their second road victory since February 2023. The outcome at Ball State seemed significant to Montgomery. "We had to get over the hump," he said. "Our guys grinded it out." --Field Level MediaWASHINGTON — Treasury Secretary Janet Yellen said her agency will need to start taking “extraordinary measures,” or special accounting maneuvers intended to prevent the nation from hitting the debt ceiling , as early as January 14, in a letter sent to congressional leaders Friday afternoon. "Treasury expects to hit the statutory debt ceiling between January 14 and January 23," she wrote in a letter addressed to House and Senate leadership, at which point extraordinary measures would be used to prevent the government from breaching the nation's debt ceiling — which was suspended until Jan. 1, 2025. The department in the past deployed what are known as “extraordinary measures” or accounting maneuvers to keep the government operating. Once those measures run out, the government risks defaulting on its debt unless lawmakers and the president agree to lift the limit on the U.S. government’s ability to borrow. "I respectfully urge Congress to act to protect the full faith and credit of the United States," Yellen said. FILE - U.S. Treasury Secretary Janet Yellen speaks during a visit to the Financial Crimes Enforcement Network (FinCEN) in Vienna, Va., on Jan. 8, 2024. (AP Photo/Susan Walsh, File) The news came after Democratic President Joe Biden signed a bill into law last week that averted a government shutdown but did not include Republican President-elect Donald Trump’s core debt demand to raise or suspend the nation’s debt limit. Congress approved the bill only after a fierce internal debate among Republicans over how to handle Trump's demand. “Anything else is a betrayal of our country,” Trump said in a statement. After a protracted debate in the summer of 2023 over how to fund the government, policymakers crafted the Fiscal Responsibility Act, which included suspending the nation's $31.4 trillion borrowing authority until Jan. 1, 2025. Notably however, Yellen said, on Jan. 2 the debt is projected to temporarily decrease due to a scheduled redemption of nonmarketable securities held by a federal trust fund associated with Medicare payments. As a result, “Treasury does not expect that it will be necessary to start taking extraordinary measures on January 2 to prevent the United States from defaulting on its obligations," she said. The federal debt stands at about $36 trillion — after ballooning across both Republican and Democratic administrations. The spike in inflation after the COVID-19 pandemic pushed up government borrowing costs such that debt service next year will exceed spending on national security. Republicans, who will have full control of the White House, House and Senate in the new year, have big plans to extend Trump's 2017 tax cuts and other priorities but are debating over how to pay for them. Many consumers may remember receiving their first credit card, either years ago in a plain envelope, or months ago from a smartphone app. Still other consumers may remember their newest card, maybe because it's the credit card they're now using exclusively to maximize cash back rewards or airline miles. But for most consumers, there's also a murky in-between where they add, drop and generally accumulate credit cards over time. Over the years, consumers may close some credit card accounts or leave some of their credit cards dormant as a backup form of payment, or perhaps left forgotten in a desk drawer. In the data below, Experian reveals the changes in consumers wallets in recent years. U.S. consumers, on average, carry fewer cards today than they did in 2017, when the typical wallet held 4.2 active credit cards. As of the third quarter (Q3) of 2023, consumers carried 3.9 cards on average. This average is up slightly since the early days of the pandemic, when consumers reduced their average credit card debt and number of accounts as the economy slowed. As Experian revealed earlier this year, credit card balances are still climbing, despite (and partially because of) higher interest rates. And while average balances are increasing, they are spread across fewer accounts than in recent years. Alternative financing—including buy now, pay later plans for purchases—may account for at least some of this discrepancy, as consumers gravitate toward these newer financing methods. In general, residents of higher-population states tend to carry more credit cards than those who live in states with fewer and smaller population centers. Nonetheless, the difference between the states is relatively small. Considering that the national average is around four credit cards per consumer, the four states with the fewest cards per consumer (Alaska, South Dakota, Vermont and Wyoming) aren't appreciably different, with "only" about 3.3 credit cards per consumer. Similarly, the four states on the higher end of the scale where consumers have 4.2 or more credit cards are Connecticut, Delaware, Florida, New Jersey and Rhode Island. The disparity in average credit card counts is more apparent when the population is segmented by age, thanks in part to Generation Z, many of whom have yet to receive their first credit card. The average number of credit cards for these consumers was two, less than half of what older generations keep on hand. The average number of credit cards held by each generation follows the familiar pattern seen in credit card balances, which tend to increase in a consumer's middle age. It's not surprising that the number of credit card accounts follows a similar climb throughout young adulthood and middle age, then drops off in the retirement years. No matter how many credit cards you may have at the moment, keep in mind that the number of accounts has little if any bearing on one's FICO Score. Far more important is how consumers manage those accounts. This is easily demonstrable by quickly stepping through some of the factors that affect your credit scores . Longer credit histories do tend to have a positive effect on a consumer's credit score, but it's not something you can rush. Adhering to on-time payments and managing amounts owed will go far in improving credit scores, even absent a lengthy credit history. While accounts closed in good standing remain on your credit report for 10 years, canceling your oldest credit card account still has the potential to shorten your credit history when it is eventually removed. The impact of its removal depends on any other active credit cards in your credit file. Ultimately, the number of cards a particular individual carries is a personal decision. Justifications can be found for carrying a travel rewards card, a cash back card, a balance transfer card, a card for business transactions and other types of credit cards that other consumers may not have either the need or qualifications for. However, keeping track of numerous credit cards, whether or not a consumer is actively using all of them, can be a mentally taxing exercise. Not only that, credit card fees can add up and dull the benefit of carrying several credit cards. Organized consumers can benefit greatly from a wallet full of specialized cards, but for those seeking a more zen-like financial future, some judicial pruning may be in order. Methodology: The analysis results provided are based on an Experian-created statistically relevant aggregate sampling of our consumer credit database that may include use of the FICO Score 8 version. Different sampling parameters may generate different findings compared with other similar analysis. Analyzed credit data did not contain personal identification information. Metro areas group counties and cities into specific geographic areas for population censuses and compilations of related statistical data. This story was produced by Experian and reviewed and distributed by Stacker Media. Stay up-to-date on the latest in local and national government and political topics with our newsletter.

Oaxaca de Juárez, México, Nov. 21, 2024 (GLOBE NEWSWIRE) -- Dickey’s Barbecue Pit , the world’s largest barbecue concept, is thrilled to announce the grand opening of its first location in Oaxaca de Juárez, Mexico. The new store, led by local entrepreneur and franchisee Jonathan Rosas Blanco, marks a pivotal milestone in Dickey’s international expansion, bringing authentic, slow-smoked barbecue to a new audience of food lovers. This opening is part of an ambitious plan to continue growing the brand’s footprint in key Mexican markets, including CDMX and Monterrey. To celebrate the launch, Dickey’s pulled out all the stops with a three-day grand opening event, delighting the community with their legendary flavors and famous hospitality. The celebration featured a special Grand Opening (G.O.) offer, with guests enjoying one of Dickey’s Classic Pulled Pork or Marinated Chicken Breast Sandwiches for only 99 pesos, available through November 24th. Excitement reached new heights as 83 lucky adults received Big Yellow Tickets, granting them the opportunity to enjoy Dickey’s barbecue for the next year. “We are beyond excited to bring our beloved Texas-style barbecue to Oaxaca de Juárez, with more expansion planned in the coming months,” said Jonathan Rosas Blanco, local franchisee and visionary behind the Mexico expansion. “It is a privilege to introduce the community to Dickey’s rich history, quality food, and warm hospitality. This is just the beginning of our journey in Mexico.” Dickey’s leadership expressed their enthusiasm for this new chapter in international growth. “We’re honored to bring authentic barbecue to Oaxaca de Juárez and support passionate entrepreneurs like Jonathan as he spearheads our expansion into Mexico,” said Roland Dickey , Jr., CEO of Dickey’s Capital Group. “The energy and excitement around this opening show that there is a real appetite for our brand’s flavors and traditions.” Laura Rea Dickey , CEO of Dickey’s Barbecue Restaurants, Inc., added, “We’re incredibly proud to continue sharing our pit-smoked heritage with the world, and this new location in Oaxaca de Juárez is a testament to the strong demand for Dickey’s experience internationally. We look forward to building lasting connections in Mexico.” Jim Perkins, Executive Vice President of International Development for Dickey’s, commented on the significance of this launch. “This store represents an important step in our international strategy, and it showcases our ability to adapt and thrive in new markets with the help of dedicated franchisees like Jonathan.” The Oaxaca de Juárez opening is the first of many planned locations for Mexico, with additional stores expected in CDMX and Monterrey in the near future. Dickey’s continues to bring its signature blend of authentic, pit-smoked barbecue and exceptional service to communities worldwide. About Dickey’s Barbecue Restaurants, Inc. Founded in 1941 by The Dickey Family, Dickey's Barbecue Restaurants, Inc. is the world’s largest barbecue concept and continues as a third-generation family-run business. For over 80 years, Dickey’s Barbecue Pit has served millions with its signature Legit. Texas. Barbecue.TM Slow-smoked over hickory wood-burning pits, Dickey’s barbecued meats are paired with a variety of southern sides. Committed to authentic barbecue, Dickey’s never takes shortcuts—because real barbecue can’t be rushed. With over 866 restaurants across eight concepts in the U.S. and several countries, Dickey’s Barbecue Franchise and Dickey’s Restaurant Brands continues to grow under the leadership of Roland Dickey, Jr ., CEO of Dickey’s Capital Group, and Laura Rea Dickey, CEO of Dickey’s Barbecue Pit, Inc. Dickey’s has been recognized on Newsweek’s 2022 "America’s Favorite Restaurant Chains" list, Nation’s Restaurant News 2024 top fast-casual brands for value, and USA Today’s 2021 Readers’ Choice Awards. The brand has also ranked in the Top 20 of Fast Casual’s “Top 100 Movers and Shakers” for four of the past five years. Additional accolades include Entrepreneur's Top 500 Franchise and Hospitality Technology’s Industry Heroes list. The brand has been featured by Fox News, Forbes, Franchise Times, The Wall Street Journal, and People Magazine. For more information, visit www.dickeys.com . For information about becoming a franchise partner, visit www.dickeysfranchise.com. Attachment Louisa Garrett Dickey's Barbecue Pit lgarrett@dickeys.comNigeria merits membership in G20, BRICSMorden goalie earns spot with WHL’s SilvertipsOTTAWA — Prime Minister Justin Trudeau was taking part in a cabinet committee meeting on Canada-U.S. relations today, amid increasing calls for his resignation. A mid-day adjustment to Trudeau's itinerary was issued by the Prime Minister's Office and noted he was taking part in the meeting virtually, though a specific time wasn't listed. Neither Trudeau, nor Finance Minister Dominic LeBlanc issued a public comment after the meeting. Last week was a chaotic one for the governing Liberals, starting with Chrystia Freeland's cabinet resignation just hours after she was set to table the fall economic statement. Freeland and LeBlanc have previously spoken with the media at the conclusion of these cabinet committee meetings on dealing with the incoming Trump administration. The committee was reformed following Donald Trump's re-election, and a chief topic of discussion at the meetings has been border security after the incoming president threatened to impose 25 per cent tariffs on Canadian products. Several Liberal MPs publicly called for Trudeau to step down as Liberal leader since Freeland's resignation, and the NDP has joined the other major opposition parties in saying it no longer has confidence in the minority Liberal government. This report by The Canadian Press was first published Dec. 23, 2024 David Baxter, The Canadian Press

California to consider requiring mental health warnings on social media sites

ATLANTIC CITY, N.J. (AP) — New Jersey gambling regulators have handed out $40,000 in fines to two sportsbooks and a tech company for violations that included taking bets on unauthorized events, and on games that had already ended. In information made public Monday, the New Jersey Division of Gaming Enforcement fined DraftKings $20,000. It also levied $10,000 fines on Rush Street Interactive NJ and the sports betting technology company Kambi. According to documents released by the state, Rush Street accepted 16 bets worth $1,523 in Nov. 2021 on a college basketball game between the University of North Carolina-Asheville and Tennessee Tech University after the game had already concluded with a UNC victory. Kambi told the enforcement division that a trader had failed to manually remove that game from its betting markets, saying it had stopped receiving messages from its own sports data provider due to a network connectivity error. Kambi said it has updated its guidelines and retrained its traders to prevent a recurrence. Kambi, which is based in Malta, did not immediately respond to a message seeking comment Monday. Rush Street declined comment, and DraftKings had no immediate comment Monday. DraftKings stopped using Kambi in 2021. In March 2022 Rush Street took seven bets totaling just under $2,900 on three Magic City Jai Alai games after the results were already known. Kambi told the division it experienced a connectivity issue that allowed the bets to be accepted after the games were over. An explanation of what Kambi did to address the situation was blacked out in documents released by the division. A month earlier Rush Street took 13 wagers worth $8,150 with pre-match odds on a Professional Golf Association match after the event had already begun. In this case, Kambi told the division a newly hired trader failed to enter the correct closing time time for bets on the event. The trader and a supervisor underwent retraining. DraftKings was fined for taking bets on unapproved events including Russian basketball for nine months in 2020 and 2021. It eventually voided over $61,000 in bets and returned the money to customers after being directed to do so by the state. In this case, Kambi told the division it misidentified this particular Russian basketball league as one that was approved for wagering in New Jersey. DraftKings told the state it did not catch the error, either. In 2020, DraftKings accepted 484 wagers on unapproved table tennis matches. Kambi incorrectly enabled the events for wagering without conditions required by the state, the division said. In Feb. 2022, the division said DraftKings took pre-season NFL bets involving specific players but did not give the state specific information on what information was to be included in the bets, drawing 182 wagers worth nearly $7,000 that were later voided and refunded to customers. Follow Wayne Parry on X at www.twitter.com/WayneParryAC

S&P/TSX composite up almost 150 at closing, U.S. markets also higherAll you have to do to become a South Dakota resident is spend one night. Stay in a campground or hotel and then stop by one of the businesses that specialize in helping people become South Dakotans, and they’ll help you do the paperwork to gain residency in a state with no income tax and relatively cheap vehicle registration. The system brings in extra government revenue through vehicle fees and offers refuge to full-time travelers who wouldn’t otherwise have a permanent address or a place to vote. And that’s the problem. State leaders are at a stalemate between those who say people who don’t really live in South Dakota shouldn’t be allowed to vote in local elections and those who say efforts to impose a longer residency requirement for voting violate the principle that everyone gets to vote. And at least one state has gotten wind that its residents might be avoiding high income taxes with easy South Dakota residency and is investigating. Catering to the nomadic lifestyle Easy South Dakota residency for nomads has become an enterprising opportunity for businesses such as RV parks and mail forwarders. “That’s the primary concept here, is the people that have given up their sticks and bricks and now are on wheel estate, we call it, and they’re full-time traveling,” said Dane Goetz, owner of the Spearfish-based South Dakota Residency Center, which caters to full-time travelers. “They need a place to call home, and we provide that address for them to do that, and they are just perpetually on the move.” RELATED COVERAGE McConnell absent from Senate on Thursday as he recovers from fall in Capitol Bone-chilling cold returns to the Midwest in the wake of a storm that soaked the East Coast North Dakota regulators OK underground storage for proposed Midwest carbon dioxide pipeline Goetz estimated more than 30,000 people are full-time traveler residents of South Dakota, but the actual number is unclear. The state Department of Public Safety, which handles driver licensing, says it doesn’t track the number of full-time traveler applications. Officials of the South Dakota Secretary of State’s Office did not respond to emailed questions or a phone message seeking the state’s tally of full-time travelers registered to vote. The office is not responsible for enforcing residency requirements, Division of Elections Director Rachel Soulek said. Victor Robledo, his wife and their five kids hit the road a decade ago in a 28-foot (8.5-meter) motorhome to seek adventure and ease their high cost of living in Southern California. They found South Dakota to be an opportunity to save money, receive mail and “take a residency in a state that really nurtures us,” he said. They filed for residency in 2020. “It was as simple as coming into the state, staying one night in one of the campgrounds, and once we do that, we bring in a receipt to the office, fill out some paperwork, change our licenses. I mean, really, you can blow through there — gosh, 48 hours,” Robledo said. Residency rules spark election concerns Residency becomes thorny around voting. Some opponents don’t want people who don’t physically live in South Dakota to vote in its elections. “I don’t want to deny somebody their right to vote, but to think that they can vote in a school board election or a legislative election or a county election when they’re not part of the community, I’m troubled by that,” said Democratic Rep. Linda Duba, who cited 10,000 people or roughly 40% of her Sioux Falls constituents being essentially mailbox residents. She likes to knock on doors and meet people but said she is unable to do “relationship politics” with travelers. The law the Republican-controlled Legislature passed in 2023 added requirements for voter registration, including 30 days of residency — which don’t have to be consecutive — and having “an actual fixed permanent dwelling, establishment, or any other abode to which the person returns after a period of absence.” The bill’s prime sponsor, Republican Sen. Randy Deibert, told a Senate panel that citizens expressed concerns about “people coming to the state, being a resident overnight and voting (by) absentee ballot or another way the next day and then leaving the state.” Those registered to vote before the new law took effect remain registered, but some who tried to register since its passage had trouble. Dozens of people recently denied voter registration contacted the American Civil Liberties Union of South Dakota, according to the chapter’s advocacy manager, Samantha Chapman. Durational residency requirements for voting are, in general, unconstitutional because such restrictions interfere with the interstate right to travel, said David Schultz, a Hamline University professor of political science and a professor of law at the University of St. Thomas. “It’s kind of this parochialism, this idea of saying that only people who are really in our neighborhood, who really live in our city have a sufficient stake in it, and the courts have generally been unsympathetic to those types of arguments because, more often than not, they’re used for discriminatory purposes,” he said. State lawmakers at odds over residency law Earlier this year, the Legislature considered a bill to roll back the 2023 law. It passed the Senate but stalled in the House. During a House hearing on that bill, Republican Rep. Jon Hansen asked one full-time traveler when he was last in South Dakota and when he intends to return. The man said he was in the state a year earlier but planned to return in coming months. Another man who moved from Iowa to work overseas said he had not lived “for any period of time, physically” in South Dakota. “I don’t think we should allow people who have never lived in this state to vote in our state,” Hansen said. Republican Sen. David Wheeler, an attorney in Huron, said he expects litigation would be what forces a change. It’s unlikely a change to the 30-day requirement would pass the Legislature now, he said. “It is a complicated topic that involves federal and state law and federal and state voting rights, and it is difficult to bring everybody together on how to appropriately address that,” Wheeler said. Out-of-state residents may see tax benefits More than 1,600 miles (2,500 kilometers) east, Connecticut State Comptroller Sean Scanlon has asked prosecutors to look into whether some state employees who live in Connecticut may have skirted their tax obligations by claiming to be residents of South Dakota. Connecticut has a graduated income tax rate of 3.0% to 6.99%. Connecticut cities and towns also impose a property tax on vehicles. South Dakota has none. Scanlon and his office, which administers state employee retiree benefits, learned from a Hartford Courant columnist in September that some state retirees might be using South Dakota’s mail-forwarding services for nefarious reasons. Asked if there are concerns about other Connecticut taxpayers who are not state retirees possibly misusing South Dakota’s lenient residency laws, the Department of Revenue Services would only say the agency is “aware of the situation and we’re working with our partners to resolve it.” A South Dakota legislative panel broached the residency issue as recently as August, a meeting in which one lawmaker called the topic “the Gordian knot of politics.” “It seems like it’s almost impossible to come to some clear and definitive statement as to what constitutes a residency with such a mobile population with people with multiple homes and addresses and political boundaries that are easy to see on a map but there’s so much cross-transportation across them,” Republican Sen. Jim Bolin said. ___ Dura reported from Bismarck, North Dakota. Associated Press Writer Susan Haigh in Hartford, Connecticut, contributed to this report.

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Resonance Security Unveils Pulsecheck: A Free and Secure Cybersecurity Assessment Tool 12-24-2024 12:36 AM CET | IT, New Media & Software Press release from: Getnews / PR Agency: NewswireJet Resonance Security is redefining cybersecurity accessibility with the launch of Pulsecheck, a free and secure tool designed to deliver comprehensive cybersecurity assessments in just minutes. Tailored for institutions, small businesses, web3 organizations, and individuals, Pulsecheck empowers users to evaluate their full-spectrum cybersecurity status quickly, securely, and without cost. Image: https://www.globalnewslines.com/uploads/2024/12/75155ae1ccab6b5774c7a2ccbf13873d.jpg This holiday season, Resonance Security is redefining cybersecurity accessibility with the launch of Pulsecheck, a free and secure tool designed to deliver comprehensive cybersecurity assessments in just minutes. Tailored for institutions, small businesses, web3 organizations, and individuals, Pulsecheck empowers users to evaluate their full-spectrum cybersecurity status quickly, securely, and without cost. The tool is now available at www.resonance.security [ https://www.resonance.security/ ], offering not only insights but also the chance to win exciting prizes with every submission. Transforming Cybersecurity for Everyone Cyberattacks are projected to cost the world $10 trillion annually by 2025, and individuals alone face losses exceeding $714 billion each year. Pulsecheck addresses this growing challenge by making cybersecurity assessments easy, fast, and accessible to all. With a simple and intuitive interface, Pulsecheck identifies critical vulnerabilities that hackers often exploit and provides actionable recommendations to improve cybersecurity. From businesses conducting due diligence to individuals seeking peace of mind, Pulsecheck offers a no-cost solution to stay ahead of cyber threats. "Cybersecurity is no longer optional-it's essential," says Charles Dray, CEO of Resonance Security. "We've made the decision to never let institutions, small businesses, or individuals fall behind. Pulsecheck is the perfect no-brainer, free solution that safely unlocks full-spectrum cybersecurity status and suggestions for businesses and individuals everywhere. Resonance is all in when it comes to making a long-term positive impact with cybersecurity." The Power of Pulsecheck Pulsecheck stands out as the first tool of its kind to provide free, secure, full-spectrum assessments for any vertical in less than three minutes. Highlights include: Broad Use Cases: Ideal for institutions, small businesses, Web3 users, and individuals. Instant Insights: A clear and comprehensive cybersecurity status delivered in record time. Prize Incentives: Every submission enters users into a raffle with prizes ranging from charitable donations to VR headsets and other cutting-edge gadgets. Image: https://www.globalnewslines.com/uploads/2024/12/8b9a5f578c6ae42b605758ab87a9d5ec.jpg Innovative Features on the Horizon Resonance Security is just getting started with Pulsecheck. Plans are underway to integrate an AI Agent named Reason, which will serve as a dynamic cybersecurity guide. This agent is designed to evolve with emerging threats, offering users real-time assistance and recommendations. Additionally, Resonance is dedicated to data security, undergoing rigorous penetration testing and working toward achieving SOC2 Type 2 compliance by early 2025. White-labeled versions of Pulsecheck will also be available to any organization, along with a catalogue of anonymous cybersecurity statistics for advanced analysis by enrolled users. A Tool for Due Diligence Pulsecheck is already making waves as a reliable tool for due diligence. Investors, VCs, insurance companies, creditors, and recruiters are already using it to obtain official attestations of cybersecurity status, ensuring confidence in the security measures of businesses and individuals alike. Why Pulsecheck Matters In an era where cyber threats are escalating rapidly, Resonance Security's Pulsecheck offers a game-changing solution that combines accessibility, speed, and reliability. It's not just a tool; it's a movement to democratize cybersecurity, bring awareness, and protect users from the devastating costs of cybercrime. Visit www.resonance.security [ https://www.resonance.security/ ] to try Pulsecheck today and take the first step toward securing your digital future. Media Contact Company Name: Resonance Security Contact Person: Lisa Gibbons Email: Send Email [ http://www.universalpressrelease.com/?pr=resonance-security-unveils-pulsecheck-a-free-and-secure-cybersecurity-assessment-tool ] Phone: 0897001102 Address:1350 Avenue of the Americas City: New York State: New York Country: United States Website: https://www.resonance.security/ This release was published on openPR.How South Korean gaming veteran Joonmo Kwon sees the new reality for Web3 games | The DeanBeat