San Francisco 49ers quarterback Brock Purdy will not play Sunday and head coach Kyle Shanahan said the lingering discomfort is a concern. Purdy sat out Friday after he participated in the start of Thursday's practice with the 49ers, then retreated indoors for what Shanahan said was a treatment session. Brandon Allen, 32, will start in Purdy's place, and the 49ers are also without defensive end Nick Bosa (oblique). Shanahan said players believe in Allen, even if he's an unknown. "Outside of here people haven't seen a lot of Brandon. But it's his second year (with the 49ers)," Shanahan said. "Obviously guys want Brock up, but guys are excited to see Brandon play." Shanahan said they are "a little surprised" Purdy experienced tightness and discomfort in his shoulder after an MRI exam on Monday that showed no long-term cause for concern. "The way it responded this week, it's really up in the air for next week," Shanahan said of Purdy. Allen is familiar to Packers head coach Matt LaFleur, who was an assistant coach with the Rams during Allen's two-year run in Los Angeles. Allen broke into the NFL in 2016 with the Jaguars and is 2-7 in nine career starts. He went 1-2 with the Broncos in 2019 and 1-5 in six starts over two years with the Bengals in 2020 and ‘21. Shanahan said Allen's confidence grew throughout the week and he doesn't anticipate a major change in how he calls the offense. Left tackle Trent Williams (ankle) also missed practice for the third consecutive day. Without disclosing the nature of the ailment to Purdy's throwing shoulder, general manager John Lynch confirmed Friday an MRI exam took place to determine the severity of any injury. Allen worked with the first team most of Thursday and Friday with Joshua Dobbs also taking snaps. Lynch described Purdy's status for the 49ers (5-5) this week as "tenuous." "Hopefully, he makes progress, and we can have a shot at this weekend, but we'll see," Lynch said in an interview with KNBR in San Francisco. "I think it's tenuous." When Purdy was on the field this week, he primarily worked on the side in position-specific drills with QB coach Brian Griese. Williams played through an ankle injury last week after being listed as questionable but exited the stadium with an exaggerated limp on Sunday. Run game coordinator Chris Foerster said the 49ers aren't where they want to be at 5-5 because they haven't won close games, not because of injuries. "Seven games left is like an eternity," Foerster said. "So much can happen. Do the math. What was our record last year? It was 12-5. I was on a 13-win team that was nowhere near as good as the team last year." With or without Purdy, Foerster said the challenge for the 49ers is not to give up the ball to a defense that has 19 takeaways. The 49ers have 13 giveaways this season. --Field Level Media
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SAN FRANCISCO--(BUSINESS WIRE)--Dec 9, 2024-- Planet Labs PBC (NYSE: PL) (“Planet” or the “Company”), a leading provider of daily data and insights about Earth, today announced financial results for the period ended October 31, 2024. "We are pleased with the multiple large contracts secured with government customers globally this quarter, which we expect to ramp up into the year ahead. The third quarter represented Planet’s largest ever quarter of ACV bookings, helping lay the foundation for future growth," said Will Marshall, Planet’s Co-Founder, Chief Executive Officer and Chairperson. "We continue to see strong demand for our data, particularly where enhanced with AI-enabled solutions. We also saw first light from our Tanager satellite, released the first set of over 300 CO2 and methane detections, and are progressing towards commercializing its hyperspectral data. The success of this program has led us to actively pursue other opportunities that similarly advance our technology roadmap while enhancing our financial position. Ultimately, we believe Planet is well positioned for growth going forward." Ashley Johnson, Planet’s President and Chief Financial Officer, added, “We saw significant improvement in the fundamentals of the business during the quarter, as evident in the year-over-year and sequential improvement in margins, as well as the continued progress on our path to profitability. I’m pleased to confirm that we’re on track to achieve our target of Adjusted EBITDA profitability next quarter. Meanwhile, we’re reducing our cash burn and our balance sheet remains strong with approximately $242 million of cash, cash equivalents, and short-term investments as of the end of the quarter, and we continue to have no debt.” Third Quarter of Fiscal 2025 Financial and Key Metric Highlights: Recent Business Highlights: Growing Customer and Partner Relationships New Technologies and Products Impact and ESG Fourth Quarter Financial Outlook For the fourth quarter of fiscal year 2025, ending January 31, 2025, Planet expects revenue to be in the range of approximately $61 million to $63 million. Non-GAAP Gross Margin is expected to be in the range of approximately 63% to 65%. Adjusted EBITDA is expected to be in the range of approximately $0 to $2 million for the quarter. Capital Expenditures are expected to be in the range of approximately $8 million and $11 million for the quarter. Planet has not reconciled its Non-GAAP financial outlook to the most directly comparable GAAP measures because certain reconciling items, such as stock-based compensation expenses and depreciation and amortization are uncertain or out of Planet’s control and cannot be reasonably predicted. The actual amount of these expenses during the fourth quarter of fiscal year 2025 will have a significant impact on Planet’s future GAAP financial results. Accordingly, a reconciliation of Planet’s Non-GAAP outlook to the most comparable GAAP measures is not available without unreasonable efforts. The foregoing forward-looking statements reflect Planet’s expectations as of today’s date. Given the number of risk factors, uncertainties and assumptions discussed below, actual results may differ materially. Webcast and Conference Call Information Planet will host a conference call at 5:00 p.m. ET / 2:00 p.m. PT today, December 9, 2024. The webcast can be accessed at www.planet.com/investors/ . A replay will be available approximately 2 hours following the event. If you would prefer to register for the conference call, please go to the following link: https://www.netroadshow.com/events/login?show=00196caf&confId=74075 . You will then receive your access details via email. Additionally, a supplemental presentation has been provided on Planet’s investor relations page. About Planet Labs PBC Planet is a leading provider of global, daily satellite imagery and geospatial solutions. Planet is driven by a mission to image the world every day, and make change visible, accessible and actionable. Founded in 2010 by three NASA scientists, Planet designs, builds, and operates the largest Earth observation fleet of imaging satellites. Planet provides mission-critical data, advanced insights, and software solutions to over 1,000 customers, comprising the world’s leading agriculture, forestry, intelligence, education and finance companies and government agencies, enabling users to simply and effectively derive unique value from satellite imagery. Planet is a public benefit corporation listed on the New York Stock Exchange as PL. To learn more visit www.planet.com and follow us on X (formerly Twitter) or tune in to HBO’s ‘Wild Wild Space’. Channels for Disclosure of Information Planet intends to announce material information to the public through a variety of means, including filings with the Securities and Exchange Commission, press releases, public conference calls, webcasts, the investor relations section of its website (investors.planet.com) and its blog (planet.com/pulse) in order to achieve broad, non-exclusionary distribution of information to the public and for complying with its disclosure obligations under Regulation FD. It is possible that the information Planet posts on its blog could be deemed to be material information. As such, Planet encourages investors, the media, and others to follow the channels listed above and to review the information disclosed through such channels. Planet’s Use of Non-GAAP Financial Measures This press release includes Non-GAAP Gross Profit, Non-GAAP Gross Margin, certain Non-GAAP Expenses described further below, Non-GAAP Loss from Operations, Non-GAAP Net Loss, Non-GAAP Net Loss per Diluted Share, Adjusted EBITDA and Backlog, which are non-GAAP measures the Company uses to supplement its results presented in accordance with U.S. GAAP. The Company includes these non-GAAP financial measures because they are used by management to evaluate the Company’s core operating performance and trends and to make strategic decisions regarding the allocation of capital and new investments. Non-GAAP Gross Profit and Non-GAAP Gross Margin: The Company defines and calculates Non-GAAP Gross Profit as gross profit adjusted for stock-based compensation, amortization of acquired intangible assets classified as cost of revenue, restructuring costs, and employee transaction bonuses in connection with the Sinergise business combination. The Company defines Non-GAAP Gross Margin as Non-GAAP Gross Profit divided by revenue. Non-GAAP Expenses: The Company defines and calculates Non-GAAP cost of revenue, Non-GAAP research and development expenses, Non-GAAP sales and marketing expenses, and Non-GAAP general and administrative expenses as, in each case, the corresponding U.S. GAAP financial measure (cost of revenue, research and development expenses, sales and marketing expenses, and general and administrative expenses) adjusted for stock-based compensation, amortization of acquired intangible assets, restructuring costs, certain litigation expenses, and employee transaction bonuses in connection with the Sinergise business combination, that are classified within each of the corresponding U.S. GAAP financial measures. Non-GAAP Loss from Operations: The Company defines and calculates Non-GAAP Loss from Operations as loss from operations adjusted for stock-based compensation, amortization of acquired intangible assets, restructuring costs, certain litigation expenses, and employee transaction bonuses in connection with the Sinergise business combination. Non-GAAP Net Loss and Non-GAAP Net Loss per Diluted Share: The Company defines and calculates Non-GAAP Net Loss as net loss adjusted for stock-based compensation, amortization of acquired intangible assets, restructuring costs, certain litigation expenses, and employee transaction bonuses in connection with the Sinergise business combination, and the income tax effects of the non-GAAP adjustments. The Company defines and calculates Non-GAAP Net Loss per Diluted Share as Non-GAAP Net Loss divided by diluted weighted-average common shares outstanding. Adjusted EBITDA: The Company defines and calculates Adjusted EBITDA as net income (loss) before the impact of interest income and expense, income tax expense and depreciation and amortization, and further adjusted for the following items: stock-based compensation, change in fair value of warrant liabilities, non-operating income and expenses such as foreign currency exchange gain or loss, restructuring costs, certain litigation expenses, and employee transaction bonuses in connection with the Sinergise business combination. The Company presents Non-GAAP Gross Profit, Non-GAAP Gross Margin, certain Non-GAAP Expenses described above, Non-GAAP Loss from Operations, Non-GAAP Net Loss, Non-GAAP Net Loss per Diluted Share and Adjusted EBITDA because the Company believes these measures are frequently used by analysts, investors and other interested parties to evaluate companies in Planet’s industry and facilitates comparisons on a consistent basis across reporting periods. Further, the Company believes these measures are helpful in highlighting trends in its operating results because they exclude items that are not indicative of the Company’s core operating performance. Backlog: The Company defines and calculates Backlog as remaining performance obligations plus the cancellable portion of the contract value for contracts that provide the customer with a right to terminate for convenience without incurring a substantive termination penalty and written orders where funding has not been appropriated. Backlog does not include unexercised contract options. Remaining performance obligations represent the amount of contracted future revenue that has not yet been recognized, which includes both deferred revenue and non-cancelable contracted revenue that will be invoiced and recognized in revenue in future periods. Remaining performance obligations do not include contracts which provide the customer with a right to terminate for convenience without incurring a substantive termination penalty, written orders where funding has not been appropriated and unexercised contract options. An increasing and meaningful portion of the Company’s revenue is generated from contracts with the U.S. government and other government customers. Cancellation provisions, such as termination for convenience clauses, are common in contracts with the U.S. government and certain other government customers. The Company presents Backlog because the portion of its customer contracts with such cancellation provisions represents a meaningful amount of the Company’s expected future revenues. Management uses backlog to more effectively forecast the Company’s future business and results, which supports decisions around capital allocation. It also helps the Company identify future growth or operating trends that may not otherwise be apparent. The Company also believes Backlog is useful for investors in forecasting the Company’s future results and understanding the growth of its business. Customer cancellation provisions relating to termination for convenience clauses and funding appropriation requirements are outside of the Company’s control, and as a result, the Company may fail to realize the full value of such contracts. Non-GAAP financial measures have limitations as analytical tools and should not be considered in isolation from, as a substitute for, or superior to, measures of financial performance prepared in accordance with U.S. GAAP. The non-GAAP financial measures presented are not based on any standardized methodology prescribed by U.S. GAAP and are not necessarily comparable to similarly-titled measures presented by other companies, which may have different definitions from the Company’s. Further, certain of the non-GAAP financial measures presented exclude stock-based compensation expenses, which has recently been, and will continue to be for the foreseeable future, a significant recurring expense for the Company and an important part of its compensation strategy. Other Key Metrics ACV and EoP ACV Book of Business: In connection with the calculation of several of the key operational and business metrics we utilize, the Company calculates Annual Contract Value (“ACV”) for contracts of one year or greater as the total amount of value that a customer has contracted to pay for the most recent 12 month period for the contract, excluding customers that are exclusively Sentinel Hub self-service paying users. For short-term contracts (contracts less than 12 months), ACV is equal to total contract value. The Company also calculates EoP ACV Book of Business in connection with the calculation of several of the key operational and business metrics we utilize. The Company defines EoP ACV Book of Business as the sum of the ACV of all contracts that are active on the last day of the period pursuant to the effective dates and end dates of such contracts, excluding customers that are exclusively Sentinel Hub self-service paying users. Active contracts exclude any contract that has been canceled, expired prior to the last day of the period without renewing, or for any other reason is not expected to generate revenue in the subsequent period. For contracts ending on the last day of the period, the ACV is either updated to reflect the ACV of the renewed contract or, if the contract has not yet renewed or extended, the ACV is excluded from the EoP ACV Book of Business. The Company does not annualize short-term contracts in calculating its EoP ACV Book of Business. The Company calculates the ACV of usage-based contracts based on the committed contracted revenue or the revenue achieved on the usage-based contract in the prior 12-month period. Percent of Recurring ACV: Percent of Recurring ACV is the portion of the total EoP ACV Book of Business that is recurring in nature. The Company defines EoP ACV Book of Business as the sum of the ACV of all contracts that are active on the last day of the period pursuant to the effective dates and end dates of such contracts, excluding customers that are exclusively Sentinel Hub self-service paying users. The Company defines Percent of Recurring ACV as the dollar value of all data subscription contracts and the committed portion of usage-based contracts (excluding customers that are exclusively Sentinel Hub self-service paying users) divided by the total dollar value of all contracts in our EoP ACV Book of Business. The Company believes Percent of Recurring ACV is useful to investors to better understand how much of the Company’s revenue is from customers that have the potential to renew their contracts over multiple years rather than being one-time in nature. The Company tracks Percent of Recurring ACV to inform estimates for the future revenue growth potential of our business and improve the predictability of our financial results. There are no significant estimates underlying management’s calculation of Percent of Recurring ACV, but management applies judgment as to which customers have an active contract at a period end for the purpose of determining EoP ACV Book of Business, which is used as part of the calculation of Percent of Recurring ACV. EoP Customer Count: The Company defines EoP Customer Count as the total count of all existing customers at the end of the period excluding customers that are exclusively Sentinel Hub self-service paying users. For EoP Customer Count, the Company defines existing customers as customers with an active contract with the Company at the end of the reported period. For the purpose of this metric, the Company defines a customer as a distinct entity that uses the Company’s data or services. The Company sells directly to customers, as well as indirectly through its partner network. If a partner does not provide the end customer’s name, then the partner is reported as the customer. Each customer, regardless of the number of active opportunities with the Company, is counted only once. For example, if a customer utilizes multiple products of Planet, the Company only counts that customer once for purposes of EoP Customer Count. A customer with multiple divisions, segments, or subsidiaries are also counted as a single unique customer based on the parent organization or parent account. For EoP Customer Count, the Company does not include users that only utilize the Company’s self-service Sentinel Hub web based ordering system, which the Company acquired in August 2023, and which offers standard starter packages on a monthly or annual basis. The Company believes excluding these users from EoP Customer Count creates a more useful metric, as the Company views the Sentinel Hub starter packages as entry points for smaller accounts, leading to broader awareness of the Company’s solutions throughout their networks and organizations. The Company believes EoP Customer Count is a useful metric for investors and management to track as it is an important indicator of the broader adoption of the Company’s platform and is a measure of the Company’s success in growing its market presence and penetration. Management applies judgment as to which customers are deemed to have an active contract in a period, as well as whether a customer is a distinct entity that uses the Company’s data or services. Capital Expenditures as a Percentage of Revenue: The Company defines capital expenditures as purchases of property and equipment plus capitalized internally developed software development costs, which are included in our statements of cash flows from investing activities. The Company defines Capital Expenditures as a Percentage of Revenue as the total amount of capital expenditures divided by total revenue in the reported period. Capital Expenditures as a Percentage of Revenue is a performance measure that we use to evaluate the appropriate level of capital expenditures needed to support demand for the Company’s data services and related revenue, and to provide a comparable view of the Company’s performance relative to other earth observation companies, which may invest significantly greater amounts in their satellites to deliver their data to customers. The Company uses an agile space systems strategy, which means we invest in a larger number of significantly lower cost satellites and software infrastructure to automate the management of the satellites and to deliver the Company’s data to clients. As a result of the Company’s strategy and business model, the Company’s capital expenditures may be more similar to software companies with large data center infrastructure costs. Therefore, the Company believes it is important to look at the level of capital expenditure investments relative to revenue when evaluating the Company’s performance relative to other earth observation companies or to other software and data companies with significant data center infrastructure investment requirements. The Company believes Capital Expenditures as a Percentage of Revenue is a useful metric for investors because it provides visibility to the level of capital expenditures required to operate the Company and the Company’s relative capital efficiency. Forward-looking Statements This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements generally relate to future events or Planet’s future financial or operating performance. In some cases, you can identify forward looking statements because they contain words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “target,” “anticipate,” “intend,” “develop,” “evolve,” “plan,” “seek,” “may,” “will,” “could,” “can,” “should,” “would,” “believes,” “predicts,” “potential,” “strategy,” “opportunity,” “aim,” “conviction,” “continue,” “positioned” or the negative of these words or other similar terms or expressions that concern Planet’s expectations, strategy, priorities, plans or intentions. Forward-looking statements in this release include, but are not limited to, statements regarding Planet’s financial guidance and outlook, Planet’s path to profitability (including on an Adjusted EBITDA basis) and target for achieving Adjusted EBITDA profitability, Planet’s growth opportunities, Planet’s expectations regarding future product development and performance, and Planet’s expectations regarding its strategies with respect to its markets and customers, including trends in customer demand. Planet’s expectations and beliefs regarding these matters may not materialize, and actual results in future periods are subject to risks and uncertainties that could cause actual results to differ materially from those projected, including risks related to the macroeconomic environment and risks regarding Planet’s ability to forecast Planet’s performance due to Planet’s limited operating history. The forward-looking statements contained in this release are also subject to other risks and uncertainties, including those more fully described in Planet’s filings with the Securities and Exchange Commission (“SEC”), including Planet’s Annual Report on Form 10-K for the fiscal year ended January 31, 2024, Quarterly Report on Form 10-Q for the fiscal quarter ended October 31, 2024, and any subsequent filings with the SEC Planet may make. All forward-looking statements reflect Planet’s beliefs and assumptions only as of the date of this press release. Planet undertakes no obligation to update forward-looking statements to reflect future events or circumstances, except as may be required by law. Planet’s results for the quarter ended October 31, 2024, are not necessarily indicative of its operating results for any future periods. PLANET CONDENSED CONSOLIDATED BALANCE SHEETS (unaudited) (In thousands) October 31, 2024 January 31, 2024 Assets Current assets Cash and cash equivalents $ 138,969 $ 83,866 Restricted cash and cash equivalents, current 6,525 8,360 Short-term investments 103,255 215,041 Accounts receivable, net 38,853 43,320 Prepaid expenses and other current assets 13,992 19,564 Total current assets 301,594 370,151 Property and equipment, net 116,920 113,429 Capitalized internal-use software, net 18,259 14,973 Goodwill 137,411 136,256 Intangible assets, net 29,231 32,448 Restricted cash and cash equivalents, non-current 4,437 9,972 Operating lease right-of-use assets 20,829 22,339 Other non-current assets 2,083 2,429 Total assets $ 630,764 $ 701,997 Liabilities and Stockholders’ Equity Current liabilities Accounts payable $ 3,572 $ 2,601 Accrued and other current liabilities 43,670 44,779 Deferred revenue 66,462 72,327 Liability from early exercise of stock options 6,275 8,964 Operating lease liabilities, current 9,105 7,978 Total current liabilities 129,084 136,649 Deferred revenue 11,230 5,293 Deferred hosting costs 6,665 7,101 Public and private placement warrant liabilities 1,835 2,961 Operating lease liabilities, non-current 13,819 16,952 Contingent consideration 2,871 5,885 Other non-current liabilities 655 9,138 Total liabilities 166,159 183,979 Stockholders’ equity Common stock 28 28 Additional paid-in capital 1,631,077 1,596,201 Accumulated other comprehensive income 1,347 1,594 Accumulated deficit (1,167,847 ) (1,079,805 ) Total stockholders’ equity 464,605 518,018 Total liabilities and stockholders’ equity $ 630,764 $ 701,997 PLANET CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (In thousands, except share and per share amounts) 2024 2023 2024 2023 Revenue $ 61,266 $ 55,380 $ 182,798 $ 161,844 Cost of revenue 23,749 29,350 81,288 81,375 Gross profit 37,517 26,030 101,510 80,469 Operating expenses Research and development 25,216 33,002 78,055 87,929 Sales and marketing 16,795 20,774 62,013 66,209 General and administrative 18,114 20,112 58,198 62,161 Total operating expenses 60,125 73,888 198,266 216,299 Loss from operations (22,608 ) (47,858 ) (96,756 ) (135,830 ) Interest income 2,414 3,445 8,292 11,753 Change in fair value of warrant liabilities 198 6,833 1,126 14,004 Other income (expense), net (60 ) (69 ) 660 894 Total other income, net 2,552 10,209 10,078 26,651 Loss before provision for income taxes (20,056 ) (37,649 ) (86,678 ) (109,179 ) Provision for income taxes 25 355 1,364 1,244 Net loss $ (20,081 ) $ (38,004 ) $ (88,042 ) $ (110,423 ) Basic and diluted net loss per share attributable to common stockholders $ (0.07 ) $ (0.13 ) $ (0.30 ) $ (0.40 ) Basic and diluted weighted-average common shares outstanding used in computing net loss per share attributable to common stockholders 293,338,324 284,197,733 290,674,554 277,252,951 PLANET CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (In thousands) 2024 2023 2024 2023 Net loss $ (20,081 ) $ (38,004 ) $ (88,042 ) $ (110,423 ) Other comprehensive income (loss), net of tax: Foreign currency translation adjustment 52 (1,667 ) (159 ) (1,543 ) Change in fair value of available-for-sale securities 48 89 (88 ) (970 ) Other comprehensive income (loss), net of tax 100 (1,578 ) (247 ) (2,513 ) Comprehensive loss $ (19,981 ) $ (39,582 ) $ (88,289 ) $ (112,936 ) PLANET CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) Nine Months Ended October 31, (In thousands) 2024 2023 Operating activities Net loss $ (88,042 ) $ (110,423 ) Adjustments to reconcile net loss to net cash used in operating activities Depreciation and amortization 36,365 36,033 Stock-based compensation, net of capitalized cost 36,467 44,611 Change in fair value of warrant liabilities (1,126 ) (14,004 ) Change in fair value of contingent consideration 3,161 (923 ) Other (932 ) (3,538 ) Changes in operating assets and liabilities Accounts receivable 5,487 (3,872 ) Prepaid expenses and other assets 8,499 9,483 Accounts payable, accrued and other liabilities (7,731 ) (20,706 ) Deferred revenue 71 19,557 Deferred hosting costs (298 ) (92 ) Net cash used in operating activities (8,079 ) (43,874 ) Investing activities Purchases of property and equipment (32,694 ) (29,086 ) Capitalized internal-use software (4,145 ) (3,266 ) Maturities of available-for-sale securities 57,046 142,903 Sales of available-for-sale securities 162,341 40,072 Purchases of available-for-sale securities (105,582 ) (166,169 ) Business acquisition, net of cash acquired (1,068 ) (7,542 ) Purchases of licensed imagery intangible assets (4,558 ) — Other (300 ) (944 ) Net cash provided by (used in) investing activities 71,040 (24,032 ) Financing activities Proceeds from the exercise of common stock options 332 6,770 Payments for withholding taxes related to the net share settlement of equity awards (7,328 ) (7,112 ) Proceeds from employee stock purchase program 1,083 — Payments of contingent consideration for business acquisitions (8,783 ) — Other (606 ) (15 ) Net cash used in financing activities (15,302 ) (357 ) Effect of exchange rate changes on cash and cash equivalents, and restricted cash and cash equivalents 74 (65 ) Net increase (decrease) in cash and cash equivalents, and restricted cash and cash equivalents 47,733 (68,328 ) Cash and cash equivalents, and restricted cash and cash equivalents at the beginning of the period 102,198 188,076 Cash and cash equivalents, and restricted cash and cash equivalents at the end of the period $ 149,931 $ 119,748 PLANET RECONCILIATION OF NET LOSS TO ADJUSTED EBITDA (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (in thousands) 2024 2023 2024 2023 Net loss $ (20,081 ) $ (38,004 ) $ (88,042 ) $ (110,423 ) Interest income (2,414 ) (3,445 ) (8,292 ) (11,753 ) Income tax provision 25 355 1,364 1,244 Depreciation and amortization 10,117 13,625 36,365 36,033 Change in fair value of warrant liabilities (198 ) (6,833 ) (1,126 ) (14,004 ) Stock-based compensation 11,829 12,598 36,467 44,611 Restructuring costs (1) 25 7,341 10,524 7,341 Employee transaction bonuses in connection with the Sinergise business combination (2) — 2,317 — 2,317 Certain litigation expenses (3) 395 — 395 — Other (income) expense, net 60 69 (660 ) (894 ) Adjusted EBITDA $ (242 ) $ (11,977 ) $ (13,005 ) $ (45,528 ) (1) As part of the 2024 headcount reduction, we recognized immaterial severance and other employee costs for the three months ended October 31, 2024 and $10.5 million of severance and other employee costs for the nine months ended October 31, 2024. For the three and nine months ended October 31, 2024, the restructuring related stock-based compensation benefit of $1.4 million is included on its respective line item. As part of the 2023 headcount reduction, we recognized $7.3 million of severance and other employee costs for the three and nine months ended October 31, 2023. For the three and nine months ended October 31, 2023, the restructuring related stock-based compensation benefit of $1.5 million is included on its respective line item. (2) Certain employees of Sinergise, which became employees of Planet, were paid cash transaction bonuses in connection with the closing of the Sinergise acquisition. The cost of the transaction bonuses was allocated from the purchase consideration we paid for the acquisition. (3) Expenses relating to the Delaware class action lawsuit. PLANET RECONCILIATION OF U.S. GAAP TO NON-GAAP FINANCIAL MEASURES (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (In thousands) 2024 2023 2024 2023 Reconciliation of cost of revenue: GAAP cost of revenue $ 23,749 $ 29,350 $ 81,288 $ 81,375 Less: Stock-based compensation 745 888 2,563 2,855 Less: Amortization of acquired intangible assets 759 796 2,298 1,674 Less: Restructuring costs 128 563 1,312 563 Less: Employee transaction bonuses in connection with the Sinergise business combination — 267 — 267 Non-GAAP cost of revenue $ 22,117 $ 26,836 $ 75,115 $ 76,016 Reconciliation of gross profit: GAAP gross profit $ 37,517 $ 26,030 $ 101,510 $ 80,469 Add: Stock-based compensation 745 888 2,563 2,855 Add: Amortization of acquired intangible assets 759 796 2,298 1,674 Add: Restructuring costs 128 563 1,312 563 Add: Employee transaction bonuses in connection with the Sinergise business combination — 267 — 267 Non-GAAP gross profit $ 39,149 $ 28,544 $ 107,683 $ 85,828 GAAP gross margin 61 % 47 % 56 % 50 % Non-GAAP gross margin 64 % 52 % 59 % 53 % PLANET RECONCILIATION OF U.S. GAAP TO NON-GAAP FINANCIAL MEASURES (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (In thousands) 2024 2023 2024 2023 Reconciliation of operating expenses: GAAP research and development $ 25,216 $ 33,002 $ 78,055 $ 87,929 Less: Stock-based compensation 4,294 5,655 12,120 18,555 Less: Restructuring costs (76 ) 3,297 3,464 3,297 Less: Employee transaction bonuses in connection with the Sinergise business combination — 1,891 — 1,891 Non-GAAP research and development $ 20,998 $ 22,159 $ 62,471 $ 64,186 GAAP sales and marketing $ 16,795 $ 20,774 $ 62,013 $ 66,209 Less: Stock-based compensation 1,655 1,626 6,863 7,827 Less: Amortization of acquired intangible assets 129 261 473 665 Less: Restructuring costs 24 1,943 4,457 1,943 Less: Employee transaction bonuses in connection with the Sinergise business combination — 41 — 41 Non-GAAP sales and marketing $ 14,987 $ 16,903 $ 50,220 $ 55,733 GAAP general and administrative $ 18,114 $ 20,112 $ 58,198 $ 62,161 Less: Stock-based compensation 5,135 4,429 14,921 15,374 Less: Amortization of acquired intangible assets 36 93 151 254 Less: Restructuring costs (51 ) 1,538 1,291 1,538 Less: Employee transaction bonuses in connection with the Sinergise business combination — 118 — 118 Less: Certain litigation expenses 395 — 395 — Non-GAAP general and administrative $ 12,599 $ 13,934 $ 41,440 $ 44,877 Reconciliation of loss from operations GAAP loss from operations $ (22,608 ) $ (47,858 ) $ (96,756 ) $ (135,830 ) Add: Stock-based compensation 11,829 12,598 36,467 44,611 Add: Amortization of acquired intangible assets 924 1,150 2,922 2,593 Add: Restructuring costs 25 7,341 10,524 7,341 Add: Employee transaction bonuses in connection with the Sinergise business combination — 2,317 — 2,317 Add: Certain litigation expenses 395 — 395 — Non-GAAP loss from operations $ (9,435 ) $ (24,452 ) $ (46,448 ) $ (78,968 ) PLANET RECONCILIATION OF U.S. GAAP TO NON-GAAP FINANCIAL MEASURES (unaudited) Three Months Ended October 31, Nine Months Ended October 31, (In thousands, except share and per share amounts) 2024 2023 2024 2023 Reconciliation of net loss GAAP net loss $ (20,081 ) $ (38,004 ) $ (88,042 ) $ (110,423 ) Add: Stock-based compensation 11,829 12,598 36,467 44,611 Add: Amortization of acquired intangible assets 924 1,150 2,922 2,593 Add: Restructuring costs 25 7,341 10,524 7,341 Add: Employee transaction bonuses in connection with the Sinergise business combination — 2,317 — 2,317 Add: Certain litigation expenses 395 — 395 — Income tax effect of non-GAAP adjustments 914 — 1,326 — Non-GAAP net loss $ (5,994 ) $ (14,598 ) $ (36,408 ) $ (53,561 ) Reconciliation of net loss per share, diluted GAAP net loss $ (20,081 ) $ (38,004 ) $ (88,042 ) $ (110,423 ) Non-GAAP net loss $ (5,994 ) $ (14,598 ) $ (36,408 ) $ (53,561 ) GAAP net loss per share, basic and diluted (1) $ (0.07 ) $ (0.13 ) $ (0.30 ) $ (0.40 ) Add: Stock-based compensation 0.04 0.04 0.13 0.16 Add: Amortization of acquired intangible assets — — 0.01 0.01 Add: Restructuring costs — 0.03 0.04 0.03 Add: Employee transaction bonuses in connection with the Sinergise business combination — 0.01 — 0.01 Add: Certain litigation expenses — — — — Income tax effect of non-GAAP adjustments — — — — Non-GAAP net loss per share, diluted (2) (3) $ (0.02 ) $ (0.05 ) $ (0.13 ) $ (0.19 ) Weighted-average shares used in computing GAAP net loss per share, basic and diluted (1) 293,338,324 284,197,733 290,674,554 277,252,951 Weighted-average shares used in computing Non-GAAP net loss per share, diluted (1) 293,338,324 284,197,733 290,674,554 277,252,951 (1) Basic and diluted GAAP net loss per share was the same for each period presented as the inclusion of all potential Class A common stock and Class B common stock outstanding would have been anti-dilutive. (2) Non-GAAP net loss per share, diluted is calculated using weighted-average shares, adjusted for dilutive potential shares assumed outstanding during the period. No adjustment was made to weighted-average shares for each period presented as the inclusion of all potential Class A common stock and Class B common stock outstanding would have been anti-dilutive. (3) Totals may not sum due to rounding. Figures are calculated based upon the respective underlying non-rounded data. PLANET RECONCILIATION OF U.S. GAAP TO NON-GAAP FINANCIAL MEASURES (unaudited) The table below reconciles Backlog to remaining performance obligations for the periods indicated: (in thousands) October 31, 2024 January 31, 2024 Remaining performance obligations $ 145,890 $ 132,571 Cancellable amount of contract value 86,250 109,821 Backlog $ 232,140 $ 242,392 For remaining performance obligations as of October 31, 2024, the Company expects to recognize approximately 82% over the next 12 months, approximately 98% over the next 24 months, and the remainder thereafter. For Backlog as of October 31, 2024, the Company expects to recognize approximately 70% over the next 12 months, approximately 91% over the next 24 months, and the remainder thereafter. View source version on businesswire.com : https://www.businesswire.com/news/home/20241209391021/en/ CONTACT: Investor Contact Chris Genualdi / Cleo Palmer-Poroner Planet Labs PBC ir@planet.comPress Contact Claire Bentley Dale Planet Labs PBC comms@planet.com KEYWORD: CALIFORNIA BRAZIL UNITED STATES SOUTH AMERICA NORTH AMERICA LATIN AMERICA EUROPE GERMANY INDUSTRY KEYWORD: SOFTWARE MOBILE/WIRELESS NETWORKS OTHER DEFENSE PROFESSIONAL SERVICES HARDWARE DATA MANAGEMENT TECHNOLOGY DEFENSE SATELLITE OTHER TECHNOLOGY ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) SOURCE: Planet Copyright Business Wire 2024. PUB: 12/09/2024 04:08 PM/DISC: 12/09/2024 04:08 PM http://www.businesswire.com/news/home/20241209391021/en Copyright Business Wire 2024.Investing in dividend stocks within a Tax-Free Savings Account (TFSA) offers a powerful way for Canadians to grow their wealth. With a TFSA, dividends earned are completely tax-free, and withdrawals do not count as taxable income, making it a top choice for those aiming to build a steady income stream while avoiding the tax burden. When selecting dividend stocks for a TFSA, a combination of , growth potential, and a solid history of shareholder returns is key. Let’s explore how ( ), ( ), and ( ) fit this bill perfectly. OpenText OpenText is a global leader in information management and cloud-based services, catering to businesses seeking to harness the power of data and artificial intelligence (AI). Recently, OpenText announced its fiscal year 2024 results, reporting total revenues of $5.8 billion — a 29% year-over-year growth. Despite some challenges in revenue growth last quarter, the company’s quarterly earnings showed a 4.3% increase compared to the same period last year, signalling its resilience. OpenText also introduced a $300 million share-buyback program and raised its annual dividend by 5%, reflecting its commitment to rewarding shareholders. With a forward price-to-earnings (P/E) ratio of 8.55, it remains attractively valued, especially for investors looking to combine stable dividend income with l growth in the tech sector. goeasy Next, goeasy may be a lesser-known gem, yet it has steadily built a reputation in the financial services sector by catering to non-prime borrowers. Over the years, it has shown phenomenal growth, with its loan portfolio increasing by 30% year over year in its latest quarter to reach $3.65 billion. The company’s ability to expand during uncertain economic times is a testament to its solid business model and management. Goeasy also boasts a growing dividend, with a forward annual yield of 2.75% backed by a payout ratio of just 27%. This leaves ample room for future increases, making it an appealing choice for those looking to boost their TFSA’s income potential. Moreover, with a robust forward P/E of 8.40, goeasy offers a balance of value and growth for savvy investors. BCE Finally, BCE is one of Canada’s most recognized telecommunications companies, continuing to be a pillar of stability and reliable income. Although facing pressures from a highly competitive industry, BCE’s scale and diversified services allow it to weather challenges effectively. The company’s latest moves, including its acquisition of Ziply Fiber for $5 billion and the sale of its stake in Maple Leaf Sports & Entertainment for $4.7 billion, highlight its strategic focus on streamlining operations and enhancing its market position. While quarterly revenue dipped slightly by 1.8% year over year, BCE’s forward annual dividend yield of over 10% is hard to ignore. With its reliable cash flow and strong commitment to returning value to shareholders, BCE stands out as a core holding for any TFSA focused on income generation. The perfect trio Together, OTEX, GSY, and BCE bring a mix of growth potential, robust financials, and generous dividends to the table. For a TFSA investor, these qualities are invaluable. OpenText’s focus on AI and cloud solutions positions it well in a world increasingly reliant on digital transformation. Meanwhile, goeasy’s unique positioning in the lending space taps into an underserved market, driving robust growth that supports its rising dividend. Lastly, BCE remains a beacon of stability, particularly for income-seeking investors who value consistent cash flow, even amid market volatility. Another significant advantage of these companies is resilience during economic uncertainty. Dividend stocks, especially those with a history of increases like OTEX and GSY, often demonstrate stability during market downturns. This makes them a practical choice for risk-averse investors looking to safeguard their savings while still growing their wealth. Bottom line Incorporating OTEX, GSY, and BCE into your TFSA is not just about diversifying. It’s about building a portfolio that works for you in multiple ways. Whether it’s OpenText’s growth in AI and cloud technology, goeasy’s remarkable earnings trajectory, or BCE’s steady dividend yield, these stocks align perfectly with the goals of a TFSA investor. If you’re looking to make your investments work smarter, not harder, these three options could be the winning formula for a thriving, tax-efficient portfolio.HARTFORD, Conn. – Saturday Night Main Event is one day away as the superstars return to WWE Smackdown today – Friday, Dec. 13 – from the XL Center in Hartford, Connecticut. The episode is available to watch on multiple streaming services for free. How do I watch WWE Smackdown for free? If you can’t watch Smackdown on USA Network today at 8 p.m. Eastern, you can utilize free trials from FuboTV and DirecTV Stream. FuboTV is also offering a special discount of $30 off your first month. In addition, you can take advantage of promotional offers from Sling TV. You can also watch later this week on Peacock , which offers a premium monthly subscription for $7.99 a month or a premium annual subscription for $79.99 a year, which saves you 17% off in one payment. In tonight’s episode , the Bloodline continues their rampage after losing at War Games while Cody Rhodes and Kevin Owens prepare for their title fight at Saturday Night Main Event. The Women’s United States Championship Tournament enters into the semifinals. Fuming from their defeat, the Bloodline jumped Apollo Crews, Andrade and LA Knight. Who will be in their crosshairs this week? The Undisputed WWE Champion brawled with Owens last week. Will General Manager Nick Aldis be able to keep them apart before their match at Saturday Night Main Event? Watch WWE Smackdown for free on DirecTV Stream Bayley will face Chelsea Green in the first semifinal of the Women’s United States Championship Tournament. Michin will clash with Tiffany Stratton in the second semifinal. Bayley and Stratton are the favorites to advance to finals at Saturday Night Main Event. After being attacked by the Bloodline, Knight could turn his attention to the familiar foes, or try to reclaim the United States Championship by going after Shinsuke Nakamura. What path will he choose? Johnny Gargano tricked the WWE Universe with a low blow to recapture the WWE Tag Team Championships from the Motor City Machine Guns. The Street Profits were also attacked, meaning Gargano and Tommaso Ciampa now have a major target on their back. Bianca Belair continues to investigate who attacked her partner Jade Cargill. Will the mysterious assailant be revealed tonight? When is Saturday Night Main Event? The spectacle will take place at the Nassau Veterans Memorial Coliseum in Long Island, New York on Dec. 14 at 8 p.m. It will broadcast live on NBC and Peacock . You can watch for free by utilizing free trials from DirecTV Stream and FuboTV. It’s the first Saturday Night Main Event in 16 years. Watch WWE Smackdown for free on FuboTV Here’s more information on how to watch WWE Smackdown on TV and streaming services. What: WWE Friday Night Smackdown When: Friday, Dec. 13, 2024 Time: 8 p.m. Eastern Where: XL Center | Hartford, Connecticut Channel: USA Network Best streaming options: FuboTV (free trial and $30 off your first month), DirecTV Stream (free trial) and Sling TV (half off first month). You can watch later this week on Peacock too. Cable Channel Finder: AT&T U-Verse , Comcast Xfinity , Spectrum/Charter , Optimum/Altice , Cox , DIRECTV , Dish , Verizon Fios NOTE: WWE Friday Night Smackdown episodes are available on Peacock’s extensive WWE catalog a few days after airtime. You can also watch pay-per-view events from past years on the streaming service. What is WWE Smackdown? Smackdown is one of the longer running television programs in history. It first aired April 29, 1999. Through the years, it has been rebranded, first as Smackdown! from 1999 to 2008, and then Smackdown Live from 2016 to 2019. Its companion program, WWE RAW, airs on Mondays at 8 p.m. Eastern. Didn’t see Monday’s show? Here’s a recap below.Today’s news headlines and Thought for the Day for school assembly: 27 November 2024
1. The Book of Unusual Knowledge — a perfect gift option for your love who is forever rattling off random facts without rhyme or reason. Add some fuel to their fire with this 750-page (!!!) book that's packed to the brim with facts and trivia. Promising review: "My best friend is always telling me new facts about the most random things so when I saw this, I knew it had to be added to his bookshelf. And let me tell you the list of random facts keeps on coming. Yeah, yeah, I know... the internet... but sometimes it’s nice to disconnect from technology and read a real book. Couldn’t be happier with this purchase." — Gregory Get it from Amazon for $9.99 and if they already have it there are other versions to check out, such as: The Book of Extraordinary Facts , The Book of Incredible Information , The Book of Useless Information , The Book of Answers , The Book of Weird and Unusual Trivia and The Book of 10,000 Incredible Facts . 2. A slouchy faux-suede bag you might not be able to resist adding one into your cart for yourself as well (it is nearly the holidays, after all) — I'd apologize, but I'm truly not sorry because this bag is fab-u-lous, JW Pei is an Asian- and family-owned small biz with minimalist accessory designs made with sustainable and vegan materials. TikTok is LOVING this bag — check it out here ! BuzzFeed shopping editor Kayla Boyd is a huge fan and has written about her JW Pei collection so check it out! Get it from Amazon for $79.20 (available in four colors). 3. A jar of Momofuku's chili crunch they can use to jazz up everything from eggs to ice cream. It's made with three types of Mexican chilis, crunchy garlic, and shallots to add heat and texture to every bite — their tastebuds won't know what hit 'em. BuzzFeed editor Bek O'Connell really adores this jar of goodness: "I put this stuff on everything! It just makes food taste better. I highly recommend to any fellow spicy lovers looking for the perfect topping. This chili oil comes with seasoned salts, Mexican chilis, dried garlic, and shallots." Get it from Amazon for $10.39 (available in four flavors and as a multipack). 4. Rainbow drip taper candles that'll transform before their very eyes into a magical masterpiece as they burn — they can go ahead and put those boring old birthday candles aside. Promising review: " These have to be the coolest thing I have ever purchased. I have them in an empty wine bottle. I will be buying many more to cover the entire bottle in wax." — Bre Get them from Amazon for $6.99 . 5. COSRX Snail Mucin 96% Power Repairing Essence that’ll have them wondering if Gary the Snail has been the reason SpongeBob has been looking GOOOOOD for all of these years — it soothes damaged skin while also repairing dark spots and improving skin vitality. Promising review: "Um...WOW! I have used so many products to help with my dry, red, and inflamed skin. During the winter it is so hard to keep my skin moisturized through out the day. Within two days I saw such a huge difference. So calming and gives you a nice, moisturized glow. I feel so much better knowing my skin is healing. I will use this in my routine for the rest of my life!" — Christina A. Get it from Amazon for $19.50 . 6. A dimmable sad duck night-light guaranteed to bring a smile to their face each time they glance down at it. He'll not-so-happily become their daily desk companion. (We all need one, honestly.) Promising review : "I ordered this lamp because of its appearance. I didn't NEED a depressed duck lamp ... but it has totally filled a void in my life I didn't know existed. Everyone who sees it pokes it. The lamp is actually very functional. It's got a really nice set of brightness options and the glow is yellowish, which is much nicer than white in a dim/dark room. One thing that isn't mentioned in the description is that its legs are utterly floppy. It's terrific." — Literated Get it from Amazon for $15.99 . 7. Claw clips made to work with *all* hair types — yes, even if they've broken their hairbrush while trying to comb through your bedhead, they can rock one of these beauties! Promising review: "I have a LOT of hair and it’s pretty wavy and thick. I have a very hard time finding clips that can hold all of it. What’s nice about these particular clips is that the material is a little bit flexible . Usually the big clips are hard plastic and they’re constantly breaking. These won’t do that as they have some give to them and they clasp well. They have several colors that can coordinate with wardrobe. Glad I got them!!" — LeighAnn Get a pack of four from Amazon for $8.99+ (also available as a pack of eight and in three styles). 8. A set of the *new* lightweight wireless "floating" open-air earbuds designed to settle just over your ear instead of inside it. It might just be the perfect gift to your brother who's infamous for losing his headphones — and gets too in the zone when actually wearing said headphones. These keep you ~aware~ of what's going on around you. Reviewers who run or sweat a lot during workouts especially swear by these, because the flexible ear loops lock them in place! Check out a TikTok of the open air ear buds in action. Promising review: "Amazing sound quality! I have owned many headphones and none have been as good as these. There's always the problem with the in-ear ones that they tend to fall off, and the over-ear-ones are just too bulky or hurt to wear for long periods of time. And most importantly being able to wear them not only for audio but for calls too and have a good microphone. These headphones cover all of the above and more . They are lightweight, they don't bother my ears in any way, they don't fall off, they have a good mic, and no sound leaking at all!!!! Best purchase I've done! Now I'm tempted to try other headphones from Tozo ." — Cliente de Kindle Get it from Amazon for $45.99 (clip the $10 off coupon on the product page for this price; available in four colors). 9. A mug warmer because when it's cold outside there is nothing better than being able to wrap your hands around a hot bev — this lil' gadget won't take up much room at all and will ensure that their drink remains the perfect temperature. Promising review: "It's so nice to work on the computer and reach for the coffee ☕️ and it's still hot or warm your choice. Great buy." — Chip Wood Get it from Amazon for $19.98 . 10. And a Gilmore Girls mug if their life's goal is to drink as much coffee as Lorelai and Rory (good luck). Enter the Kirk TikTok sound : "I love your daughter" "What do you have to offer her?" "Nothing. Only this." This , being the mug, of course. Additionally, Silver Buffalo is a small business! Promising review: "It's a cup of happiness. LOL i believe there is a science in the mug you choose every morning for your coffee. Product wise, it is very good quality, colorful, dishwasher safe. Worth the purchase," — Dana Get it from Amazon for $25.99 . 11. An updated version of the Taylor Swift Little Golden Book fans will take one look and say I'm "enchanted to meet you." The new *~style~* comes with 22 (ooOoOh ooOoOh) bonus pages including stickers and fill-in-the-blank activities. You might find see a lil' Travis cameo within. 😉 I have this book (as pictured above) and by that I mean the second I saw it available for pre-order I added it to my cart faster than you could say "We Are Never Ever Getting Back Together." As the parent of a 2-year-old and a 6-month-old, I have many Little Golden Books in my home. However, this one is just STUNNING. I'm a big fan of Taylor (obviously) but was really enamored by how beautiful the pages in the first version was — so, naturally, I had to get the updated version! It's a short book, looks cute on my daughter's shelf, and is a hit for bedtime story time with my son who has, ahem, been mildly encouraged to *also* love Taylor Swift. What more could you want??? Get it from Amazon for $8.78 . Note: If they're a diehard Taylor fan here are some other book options they might enjoy: The Story of Taylor Swift: An Inspiring Biography for Young Readers You Are Fearless: A Book for the Littlest Taylor Swift Fans Let's Meet Taylor: Story of the Superstar Taylor Swift Taylor Swift Style: Fashion Through the Eras 12. A set of LED lightsaber chopsticks that'll make their weekly sushi lunches just a bit more fun. Promising review: "I purchased these for a friend's birthday present (he is a sushi waiter) and these are flippin' AMAZING. I ordered two sets by mistake, but I am totally keeping the second pair for another gift (or for myself!). These are sure to be great conversation pieces and attention-getters. Way to go!" — T. Redwood Get two pairs from Amazon for $12.97 . 13. A sleek time-marked water bottle they'll love for its aesthetic — must-have for anyone who has been very meticulous about what they display on their desk. Arcana is a small business that sells stylish, practical water bottles. Promising review: "Saw it on TikTok and thought it would be a great bottle for work. It is very sleek and lightweight enough to carry when you have other items in your hand. I love the modern look and cleans very easily! The time increments really do motivate, definitely ordering again for myself and gifts. Fast delivery and very nice packaging." — Rosa Get it from Amazon for $16.99+ (available in three colors and two sizes). 14. An "Awakened Artifacts" puzzle from the TikTok-famous Magic Puzzle Company for the hardcore puzzler in your life *or* someone who just needs to zone out and lock into something fun. And this is even better than a regular puzzle because once it's assembled, you can use the easter eggs to solve the puzzle 's puzzle. Promising review: "Bought this as soon as I got the email that it dropped on Amazon! Love this series and will continue to purchase them. Was it the most challenging puzzle? No, but that didn't take away from the fun of putting it together. Great artwork, wacky pieces, two posters, you just can't go wrong with a magic puzzle!" — Jennifer Lawton Get it from Amazon for $22.99 . This is one of 14 puzzles from the Magic Puzzle Company , so there's lots of other ~puzzling~ possibilities once this one's finished! 15. Taco Cat Goat Cheese Pizza — a card game they can play with their squad (turn it into a drinking game?!) on cold winter nights. You deal all the cards out to your two to four players, and everyone keeps their mini-deck face down. Everyone takes a turn putting a card down in the middle of the table, saying one of the words "taco," "cat," "goat," "cheese," and "pizza," in that order. If the picture on your card matches the word that's said, everyone slaps their hand on the card in a pile as quickly as possible. The last person on the pile has to take the stack and add 'em to their cards, and whoever runs out of cards first wins! Get it from Amazon for $9.95 . 16. A cleverly designed rechargeable electric candle lighter with a flexible neck to light every candle in their house to create the *perfect* ambiance without concern they'll run out of lighter fluid. Promising review: "I cook outside, and lighting a fire during wet and windy weather was a real pain. This lighter was a game changer! As long as the material is dry, this lighter will light regularly, consistently, and easily. Plus, it’s rechargeable! Love it!" — Sandra Get it from Amazon for $9.99+ (available in seven colors and as a two-pack). 17. And a zodiac-inspired candle you can count on to make their home smell divine while also adding a pretty piece of decor to the room. Each one is adorned with three healing crystals and a crackling wood wick. Dancing Bear is a small business! Promising review: "I bought as a gift. Looks pretty, smells good and the crystals are lovely! Nice size and a great gift idea for someone hard to buy for. I will definitely be getting myself one!" — Lisa Menor Get it from Amazon for $19.95 (available in 24 styles). 18. A Birthdate pendant featuring gemstones and crystals based on their astrology and day of birth (obvs) because who doesn't love something customized JUST for them? Birthdate Co. is an Asian-owned small business! I have one of these necklaces and it really is gorgeous. I love layering it with other pieces of jewelry that I already own. I love that it comes with a complete explainer of each stone that is included in the necklace and why it was chosen. For example, my specific birth date features a sapphire (for presence of mind), a pearl (for purity), a white topaz (for focus and vision), and an emerald (my birth stone).Such a fun and special necklace anyone would be delighted to get as a gift! Get it from Birthdate Candles for $149 (available in gold or silver). 19. A " Grievance Journal ," aka a "burn book for the discerning misanthrope" that your friend with the darkest humor will find especially cathartic thanks to 52 prompts to express irritations over what's bothering them the most. Promising review : "Bought this intending to gift it to a friend but ended up getting really into the prompts and decided to keep it for myself. WOW, what an awesome way to vent and articulate the negativity you're feeling by actually forcing yourself to form coherent thoughts around your emotions. Cheaper and more effective than therapy, buying several more for friends and fam. " — Alex Get it from Amazon for $27.99 . If your recipient wants something a little less grim, check out this Burn After Writing book with a similar but lighter sentiment. 20. A handheld lamp they will surely find themselves *mooning* over each night. It'll bring a magical ambience to their room, just you wait. Check out a TikTok of the moon lamp in action. BuzzFeed writer Emma Lord is obsessed with this gadget: "UMMMM I bought this because it was on one of Amazon's top selling products pages for so long that I was like 'Why are people so obsessed with this moon!!' And now, my friends, I know. First of all, it really does look hyper realistically like a small moon and adds a chill vibe wherever you plant it. But it's also just so soothing to watch and have in the periphery . You can control dozens of different colors for it and either keep it on those colors or have them alternate, fade uickly, or fade gradually. It's super easy to charge and controlled by a remote, so you can move it off its stand and have it light up wherever you want. These days I tend to turn it on for my designed ~me time~ night every week, in which I will light a candle, pour a glass of red wine, read a romance novel, and, of course, light my lil' moon. Definitely one of my favorite 'the internet made me do it' purchases." Get it from Amazon for $19.98+ (available in six sizes). 21. A One Line a Day journal to provide anyone with a place to jot down a quick daily memory they can look back on for years to come — it'll last them five years! I was given one of these five years ago and it's become a cherished part of my nightly routine. The best part is when you get to the second year and can look back at what you did a year ago from that day. Promising review: "I am loving these journals! I got two — one for each of my boys (a baby and a toddler), and each day, I am writing down a short memory with each of them. I feel like it's the perfect solution for a tired mama who doesn't have time to journal pages and pages, but wants to hold onto sweet memories from when the kids are little . Can't wait to see how they grow over the five years contained in the journals!" — Kathy W. Kuegler Get it from Amazon for $15.26 . 22. A selfie-worthy carbonated clay mask that exfoliates blackheads along with other skin impurities while it bubbles up and looks downright hilarious. Promising review: "Wow! I purchased this on a whim after seeing one of my favorite YouTubers try it out. I didn't expect a lot from it. I tried it out and was shocked!!! The mask was simple (and fun) to use. I wasn't sure I felt a lot happening while it was on, but it was pretty cool how the bubbles started to grow off of my face. Upon inspection after using this mask I was completely amazed. My face felt cleaner than it has in a very long time AND my pores looked amazing! I don't remember a time when I felt like my pores looked great before using this mask. I would highly recommend this mask to anyone. It's also so much cheaper than the GlamGlow ones I have been using (and didn't see near these results from)." — Phil Textor Get it from Amazon for $8.65+ (available in multipacks). 23. Laneige glowy lip balm in a variety of delectable scents — regardless of whether you commit to "Gummy Bear" or "Grapefruit" you'll be rewarded with hydrated and soft lips all day long. Promising review: "I’ve been searching for the holy grail of lip balms, and THIS IS IT. Seriously. I’ve been on the hunt for years, using everything from fancy French balms to plain organic nut butter, and have always needed to reapply hourly. This stuff is magic. Just the tiniest dot is needed to keep my lips super soft and hydrated for hours, even through drinking and eating. The grapefruit smells great but isn’t overwhelming. I’ll never go back to anything else." — Spectacle Get it from Amazon for $19 (available in nine formulas). 24. A "Cup Cozy Pillow" — aka an absolute essential for achieving peak comfort goals in your pal's living room. It features a spot to hold their remote, two mugs, and two additional beverages. They honestly may never want to leave their couch again. Cup Cozy Pillow is a small business that specializes in family-friendly snack and drink organizers. Check out a TikTok of the Cup Cozy Deluxe Pillow in action. Promising review: "This thing is great! I’m home on maternity leave with my new baby and spend most of my time on the couch under a sleeping baby. This product makes it easy for me to keep my drinks, remote, etc close by even with dogs running around . It’s a little more expensive than I would have liked but it works and I love it so money well spent!" — Amber Get it from Amazon for $34.99 (available in eight styles). 25. A chunky knit chenille blanket to bury themselves under because it's simply that time of year – it comes in so many colors you'll absolutely be able to snag one that matches their room's vibe. It's also hypoallergenic *and* machine washable! It's big enough that the two of you can snuggle under it. Samiah Luxe is a small business! Promising review: "Love this look. Makes the room look and feel cozy. But then the blanket ACTUALLY is cozy! Super soft. Heavy. Warm. Worth the money." — Tracy W. Get it from Amazon for $49.99+ (available in three sizes and eight colors). 26. A foot heater for anyone with perpetually cold tootsies — fire this bad boy up, turn on The Great British Baking Show , and enjoy the warmth you’re guaranteed to feel from head-to-toe (literally). Promising review: "I love this product. It's well built, nice neutral colors to blend into my carpet so it's not an eyesore wherever I have it sitting. The fuzziness lends a cozy feel to it, as well. It offers a heat or no-heat setting and two directions for the shiatsu style massagers to work on your heels. The inside is roomy enough that you can even turn your feet on their side to get extra massage there as well. It's a gentle yet deep massage, so it's great for days where you've been standing for hours or walking on your feet a lot. I would recommend to anyone looking for a nice foot massager." — Gardener Get it from Amazon for $45.99 (available in two colors). 27. A self-stirring mug they can count on to flawlessly blend their sugar and creamer into their freshly brewed coffee. Check out a TikTok of the self-stirring mug in action. Promising review : "I'm a huge fan of coffee and I need it in daily life. Absolutely loving this new cup! Easy and quick to mix your coffee and milk, pretty handy! Cleaning the cup couldn't be easier with the self stirring function , just put a little dab of soap, fill the mug half way with water, turn it on and let it do its own thing." — Lina Get it from Amazon for $26.99 (available in five colors). 28. A sunrise alarm clock to wake them up so pleasantly they'll forget that they're supposed to be cranky about heading off to work. This lovely lil' gadget has seven different light settings, calming "wake up" noises, and can be set to gradually get brighter at 30, 20, or 10 minutes. Promising review: "I got this recommendation from TikTok and it really has helped especially with Oregon winters where the sun is not out by the time the alarm rings. It has several peaceful alarm settings and even has night music to put you to sleep. The sunrise with the alarm piano is what I play to wake me up every morning and it is a way better way than to wake up to an annoying phone alarm." — Amazon Customer Get it from Amazon for $39.98 . 29. A Kindle for any lit lover whose main goal at all times is to plow through a *ton* of books on their TBR list — this will ensure they can have *tons* of books at their fingertips at all times. I have a Kindle and surprisingly have become a big fan of it — especially when traveling. While I absolutely prefer a hardcover book, it's nearly impossible to put more than two (which is a stretch in itself) in my suitcase along with my clothes, shoes, toiletries, etc. I read most of my books these days through the Libby app (all you need is a library card for access) which can be used via your phone or Kindle. No need to spend tons of money on novels when I simply am not someone who rereads them! This latest version sports a 7-inch glare-free screen and a battery that'll last WEEKS! Get it from Amazon for $159 (available in three colors and with/without lock screen ads). 30. A subscription to Book of the Month because there are few things as soothing to a bibliophile as cracking open a hardcover book while kicking back in the sunshine. They also offer audiobooks if that's more their speed! I was gifted a BOTM subscription many years ago and I've stayed loyal since! It's the only subscription service I've kept up with and gifted to different people. Each month your gift recipient will be permitted to choose from a selection of books (and more recently, audiobooks!), all of which are different genres. Then the book they select will be delivered to their door. Half of my beautifully color coordinated bookcase is filled with books from BOTM and I couldn't be happier! Get three months from Book of the Month for $59.99 . 31. A Renpho percussion massager — a must-have if they're forever complaining about the knots in their back and wishing they could take a daily trip to the spa. Check out a TikTok of the massager in action. Promising review: " I have tried EVERYTHING for my feet, nothing works and I am always in pain. It came, I tried it out, and I thought wow, that feels AWESOME. But the true test is how do you feel the next day right? You cannot always walk around with a massage gun in your hand. The next day, I felt AMAZING. AMAZING. I used it on my hubby's back too, and he said he felt so much better today as well! In addition, this one is way QUIETER than my original massage gun. It's just really a quality piece. You won't be disappointed in this one. It really is what it says. I know it is hard to choose from all the models on the internet, but this one is the real deal. It's worth the money if you have pain." — L Johnson Get it from Amazon for $89.99 (available in three colors). 32. A reviewer-beloved ~croc~ veggie chopper they can use to dice onions in a flash — save the uncontrollable crying for the next Hallmark holiday movie. It can also spiralize, slice, and chop! Promising review: "I bought this as a gift for my husband, who loves cooking AND crocodiles! He loves it! Best of all, it works great too. We’ve used it so many times, and the blades are still sharp. It’s easy to use and clean. Love it!" — Niki Mitchell Get it from Amazon for $34.99 . 33. Crayola Globbles , a fun lil' toy they can use to burn off some steam in between meetings or when they just need a quick mental break. Don't worry, they won't leave residue on their walls. Check them out on TikTok ! Promising review : " My daughter is 4 and plays with these DAILY! YES they do attract dirt and hair HOWEVER they are so easy to rinse off, it's not a big deal! We took these to a family gathering and ended up giving two away because they were SO loved! The two we gave away went to a 12-year-old and my 19-year-old brother. They discovered throwing them at the ceiling fan and watching them shoot across the room which was pretty entertaining! None of these have busted or ripped and they are definitely NOT gentle with them! I will definitely be buying more! " — Kindle Customer Get a pack of six from Amazon for $9.53+ (also available in a pack of 16). 34. A Baby Nessie Loose Leaf Tea Infuser they'll want to show off to everyone and anyone, but especially their roommate who doesn't "believe in silly fairytales." Promising review: "So stinking cute and works great. I had no loose tea in my cup at all. Easy to clean." — Adriane R. Get it from Amazon for $14.95 . 35. AirPod cases designed to look like a classic roll of Hubba Bubba Bubble Tape and a mini can of Arizona Green Tea — aka what they likely spent all of their allowance on in the '90s. Promising review: "I love these so freaking much!! They look exactly like the pictures. They fit and work great. They are protective and I love the fact that there’s already a clip on them. Great quality, the details and text are clear." — Raven Get them from Amazon for $8.99 . 36. Lightning earrings with flat backing so they can lay down on the couch for a snooze without being poked with every turn of their head. I have a number of piercings in my ears (including these!) and wear my Maison Miru earrings daily. They don't tarnish or feel too heavy — it's not even an issue to sleep or workout in them! They're one of my go-to brands for delicate jewelry. Get them from Maison Miru for $85+ (available in 18-karat gold or silver). 37. A ceramic mug and saucer set that'll help them get their head out of the clouds and come back down to earth with every sip of coffee they take. Caffeine is queen, baby. The mug and saucer are dishwasher and microwave safe. Promising review: "Perfect. I am literally obsessed!! I saw this in a TikTok video and the reality is even better." — Sev Luke Get it from Amazon for $23.98+ (available in 17 styles). 38. Butterfly bandages , because they're an adult and know a kiss won't actually make their scrape better, but a bandage that looks a hug from a butterfly just might. Hug-a-BooBoo is a small business — check their other fun themed bandages here! Promising review: "The cutest and strongest bandaids I ever bought! My niece loves butterflies so I figured these are the perfect ones for her. It comes in a variety of colors and are super easy and comfortable to put on. They are excellent for young kids and adults who love butterflies. 🦋❤️" — Michelle Get a box of 24 from Amazon for $7.99 . 39. A "Gracula" garlic crusher they might accidentally mistake for a children's toy — but it's so much more! With a few twists they can use it to mince garlic, ginger, nuts, chilis, and herbs. See, no need to be afraid of this mythical creature. Promising review: "I love this little guy. I found him on a BuzzFeed list and had to have it as soon as I saw it! I’ve minced as many as five cloves in it in seconds. It’s a little tricky getting all of the garlic out once minced (I use a silicone basting brush to get most of it but I always use more than the recipe calls for anyway so it’s not a deal breaker). Cleanup is a breeze because he goes right in the dishwasher! " — Barbie Get it from Amazon for $18.95 . 40. A Bluetooth speaker with an adorable '90s feel to it they can program with fun pixelated messages, a clock, and animations galore! This lil' gadget has RGB-backlit buttons and, of course, has the ability to play music and podcasts. Check out an unboxing TikTok from @thatkawaiigrl ! BuzzFeed editor Jenae Sitzes loves hers! You can read more on why it's one of her favorite pieces of desk decor here . Promising reviews : "I actually impulsively purchased this because I saw it on TikTok. I have had it for a little over a month now, and it is actually the best item I have purchased in a while. I admit, there is a slight learning curve when setting it up because there is not a clear-cut instructions guide for all of the features, but once you figure it out, it’s so worth it. It is really multifunctional and you can customize it to your liking. I really love the mini games feature on here, like Tetris and Snake , because they all bring back childhood memories for me. My favorite part is the fact that it works as a speaker and when I play music, I can have little videos sync to the music. Who knew a tiny little speaker could bring me so much joy. It is a bit pricy though, but it is just so cute. If you’re looking for a sign to buy this, here’s your sign." — Khuyen Nguyen Get it from Amazon for $79.99 (available in five colors). 41. A darling glass water jug adorned in daisies that are s'cute they'll make them long for springtime all the time. Promising review: "Bought this to encourage my girlfriend to drink more water and it worked lol. And she's always telling me how she gets compliments from the 'girlies' in college lol. A great purchase." — Azi Get it from Amazon for $9.99 (available in six styles). 42. A set of moisturizing animal-themed sheet masks they won't be able to resist belly laughing over when they apply them — they can team up with their friends for a very strange spa night and get those giggles out! Promising review : "I bought these to do a spa day with my niece. We had so much fun, and my face was soft for days afterward. I enjoyed them so much that I bought them again and gave them out for Christmas. Then I bought another set for myself and even shared with co-workers. I don't think it is just the facemask that makes my face look brighter, but also the joy and fun of the prints when you wear them with family and friends. " — Nina M Munoz-Najera Get a set of six from Amazon for $13.75 (available in six packs). 43. A jewelry box designed to look like a frosted cake you'd imagine a toddler diving into hands-first on their birthday. It's likely what you would find in the dictionary next to "pretty in pink" and simply deserves a spot in their home. 2FACEDCAKES is a small business that sells nostalgic, handmade jewelry boxes. Promising review: "It’s even better than I could have hoped!!! I am obsessed with it" — kateeherald Get it from 2FACEDCAKES on Etsy for $46+ (available with or without glitter and with customization of the piping color/wording). 44. A pair of Apple AirPods Pro with noise cancellation to ensure their next flight is, in fact, a peaceful one. Thanks to these bad boys they can blast Taylor Swift for hours, watch endless episodes of Real Housewives and block out the sound of their annoying neighbor's snoring. They come with three sizes of silicone tips to comfortably fit your ears and a charging case that provides more than 24 hours of listening time. I absolutely could not live without these — the noise canceling is absolutely essential for working from home (with kids). I swear by these babies. BuzzFeed Shopping writer Emma Lord loves these: "I have a pair of these, and they're not playing around. Once they're securely in your ear, you can toggle the headphones between noise-cancelling and regular sound, depending on your situation. I've been working from home, and the noise canceling is so effective that I can work next to a window where my neighbor is doing heavy construction and I don't hear anything louder than a faint buzzing. It's quieter than if I'd just plugged my ears with my own fingers. I'm also a runner, and these don't budge when you're sweating, which is nice. It's also handy that these toggle out of noise-cancellation mode, because I feel better being able to hear traffic and other people around me when I'm out and about. The TL;DR is: I love these so much I have zero interest in owning another pair of headphones for as long as I live. " For more, read her full AirPod Pros review ! Get them from Amazon for $245 . 45. Or a pair of Beats Studio Pro wireless headphones you might want to say "screw it" and buy for yourself while you’re already filling your cart with gifts for everyone else. *Extremely Martin Short voice* "I like your Beats." Promising review: "Sounds quality is so good, sometimes it made my head hurt and ears bc of the fit, but it’s kinda comfortable, it’s very loud, and the bass is good. Noise-canceling is so good, I be thinking the earth is quiet, but it’s just the headphones that make it sound like that." — Lolo Get them from Amazon for $249.99 (available in eight colors) 46. A Nintendo Switch OLED with a 7-inch screen, a wide adjustable stand, enhanced audio, and an overall pleasant gaming experience they'll be thrilled to play. They can kickstart their "cozy gamer" lifestyle by purchasing soothing games like Disney Dreamlight Valley or take a more ambitious approach with The Legend of Zelda: Tears of the Kingdom . I have the Nintendo Switch OLED and am a big fan! My husband has the original Switch and I have the Switch Lite, but this newest version has definitely made a good impression on me. I wasn't always enthused with the original version (my hands are small!) but, despite this one being similar in size, the OLED feels a lot lighter and easy to hold. The colors are the screen are beautiful and *so* clear. It connects very easily to the TV, so you can play multiplayer games at any time! Promising review: "Starting off The OLED switch takes things to the next level. I used to play a lot of Mario games many years before, and I didn’t think I’d ever go back to playing Mario again. Nintendo has made it easy to play a lot of my favorite Mario games from back in the day through the online store. Amazon helped ensure that I had confidence with the delivery of my package, they sent me an OTP password through email to help ensure my package was delivered to the right person. I am very grateful to Amazon for helping provide me with a wonderful experience." — Jose A. Hernandez Get it from Amazon for $349 (available in two styles). 47. An iconic espresso martini phone case so they can look the part when they send out the weekly group text to rally the troops for tinis. Promising review: "Absolutely love this case! Looks even cuter in person that it does already online and I know my phone is well protected with it. A win win!" — Mary G. Get it from Velvet Caviar for $28 (available for iPhone and Galaxy devices and in four other designs). 48. A Ninja Creami they can use to pretend they're Cinderella's Fairy Godmother and turn a handful of ingredients into a delectable frozen treat. My apologies to Ben and Jerry, because they'll be whipping up their own dessert from here on out. Yuuuum! Check out a TikTok of the Ninja Creami in action. All you have to do put your fave foods into the containers and freeze them. After 24 hours in the freezer, hook up your machine, select the appropriate preset, and you'll have a yummy treat. Oh! And the containers, lids, and paddle are top-rack dishwasher safe. Check out what BuzzFeed Shopping contributor Jessica Hall thinks of it: "As a wannabe fitness girly, I have started paying a bit more attention to the foods I eat, specifically in terms of how much protein I eat. I find it to be somewhat difficult to consume my full day's worth of protein, and I am not a huge fan of protein bars or protein shakes. I decided to give this thing a try after seeing it literally all over TikTok and how people were making lower calorie protein ice cream in it. The TikTok influencers are *not* lying, you should absolutely get this thing. It comes with little pints, you mix up all your ingredients, pop it in the freezer for 24 hours and then put it in the machine. It legit makes a delicious treat with such a ~creamy~ texture. I have found my best recipe so far is a vanilla protein shake, a little bit of sugar free pudding mix (the fats in it help the texture...at least that's what the Internet told me, so obvi I believe it), and a dash of vanilla extract. Once that's all mixed, I'll throw in some Oreos or M&Ms to have myself a high-protein version of a McFlurry. You can also make delicious smoothie bowls, sorbets, milkshakes, and more. I definitely imagine I'll be using it even more often in the summer when it's hot and I want something cold and refreshing." Promising review: "Everyone needs a Ninja Creami. We love ours! I have made cherry, banana, raspberry, and blueberry sorbets plus churro and chocolate ice cream. The recipe book is full of easy-to-make recipes. Easy to clean and simple to use . Just push a button and then a minute later you have ice cream!" — julie krueger Get it from Amazon for $179.99 . 49. And a delicate initial necklace for anyone who prefers simple jewelry they can wear every day. Get your own initial, your partner's, your little one's, or allllll of the above! ...or so you can scream-sing the Taylor Swift lyrics "I want to wear his initial on a chain 'round my neck not because he owns me but 'cause he really knows me." Either way! Fab item. Promising review: "The best necklace I’ve ever had!!! It’s the perfect size and length, so dainty! I was worried about the gold fading (because it’s so wonderfully affordable) but it hasn’t — not even a little bit!!! I’ve worn it every single day for about a month now, even accidentally wore it in a pool for a little bit but nothing happened and it’s never been damaged! Has become such a staple for me and my everyday outfit, don’t feel complete without it anymore. Would highly recommend and will be buying another if this one ever breaks!!" — Brittany Burrahm Get it from Amazon for $13.99 (available in 26 letters and 2 styles). Some reviews have been edited for length and/or clarity.
Knix's Journey to Becoming a Market Leader in Menstrual HealthThe standard Lorem Ipsum passage, used since the 1500s "Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" Thanks for your interest in Kalkine Media's content! To continue reading, please log in to your account or create your free account with us.
Belichick's bid to reshape UNC football latest sign of pro influence on college level
(BPT) - Consumers are facing increasing costs on virtually every purchase these days and auto insurance is no exception. While skyrocketing costs of this auto-related expense can be attributed to everything from parts replacement to service — even health costs as a result of accidents — consumers can better manage these increases with thoughtful study and attention to detail. Some of the common causes for higher insurance rates are Inflation, car accidents, extreme weather conditions such as hail, hurricanes and wind, along with increased vehicle theft claims. Mercury Insurance has partnered with financial literacy influencer Sam Jarman to highlight specific ways consumers can address these rising costs. "Your car is the second biggest expense for most people, right behind your home, and car insurance is a big part of that," said Jarman. "Checking rates and coverage with your Mercury Insurance agent makes sense along with choosing a car with low maintenance costs." According to Consumer Price Index data released earlier this year, car insurance rates are up almost 21% year-over-year for the 12 months which ended in February. The last time car insurance rates rose that much on an annual basis was 1976. Here are some auto insurance statistics recently released from Forbes : "Our goal is to help our customers get the best rates possible because we know that every dollar counts." said Justin Yoshizawa, Director, Product Management, State. "We encourage consumers to build a close relationship with their agent and discuss what discounts they may be eligible to receive. The answer might be surprising." Mercury offers the following tips for lowering your insurance costs: Review your deductibles with your insurance agent – It is recommended that you review your coverage and deductible with your Mercury agent at least once a year. Their wisdom and experience can help you make wise decisions regarding your insurance. Explore car insurance discounts – In addition to bundling your home and auto insurance, Mercury offers discounts for multi-car, good drivers, good students and auto pay. Your agent may have additional discounts to offer. Let Your Insurer Track Your Driving – Most insurers offer discounts for customers who install telematics. This technology allows your insurance company to collect information regarding your mileage and driving habits. This can also provide valuable information regarding your driving as well as saving you money. Drive a safe car with low repair costs – According to Bankrate , some of the cheapest cars to insure are the Subaru Outback, Honda CR-V and Honda Pilot. Also, look for cars with lower repair costs such as the Toyota Corolla, Toyota Prius and Tesla Model 3. Doing some research before you purchase a vehicle can save you money over the length of ownership. Install an anti-theft device on your car – Drivers may receive an additional discount on your auto insurance if you install an anti-theft device on your car. Before you buy a car, compare insurance costs – You can get a fast and easy quote from your Mercury Insurance agent. To receive a quote, you can reach us at 844-514-2893. To learn more about common types of auto insurance discounts, visit https://www.mercuryinsurance.com/resources/auto/understanding-types-of-auto-insurance-discounts.html . For more information on your auto insurance, you can reference the Insurance Information Institute . Best trending stories from the week. Success! An email has been sent to with a link to confirm list signup. Error! There was an error processing your request. You may occasionally receive promotions exclusive discounted subscription offers from the Roswell Daily Record. Feel free to cancel any time via the unsubscribe link in the newsletter you received. You can also control your newsletter options via your user dashboard by signing in.
Trump promises to end birthright citizenship: What is it and could he do it?Octopus Energy customers could see a reduction of £300 annually on their bills, thanks to a £7,500 heating upgrade grant. This comes as energy bills are set to rise by another £21 or 1.2 percent. The government has extended the Warm Homes Plan, which it claims will save energy customers up to £300 a year. The Department for Energy Security and Net Zero has revealed that 300,000 homes across the UK will each receive £7,500 to replace their boiler with a heat pump in 2025. Planning regulations have been eased to expedite the installation of heat pumps , and more homes will be offered insulation as part of the scheme. The government asserts that a heat pump can reduce bills by as much as £100 a year, while insulation can cut another £200 off, costs covered by the scheme. Get the latest news straight to your phone by joining us on WhatsApp It believes these changes will encourage more households to install heat pumps. The statement read: "Households install an air source heat pump without needing to submit a planning application in England – removing the 1m rule, with figures from Octopus showing 34% of those who order a heat pump are discouraged or drop out for reasons attributed to planning permission. "Working alongside the government's mission to make Britain a clean energy superpower, the Warm Homes Plan will ensure millions more households benefit from homegrown energy delivered by every new turbine, solar panel or pylon built on the path to energy independence," reports the Express . "This includes boosting the budget for the Boiler Upgrade Scheme to support more households switch to a heat pump – which can save families around £100 a year compared to a gas boiler by using a smart tariff effectively, and insulating more homes across the country – potentially saving homeowners around £200 per year." On its website, Octopus' price comparison reveals that households will save on average £300 a year with its Octopus Cosy heat pump tariff against using a traditional boiler on Flexible Octopus, coming in at £1,391 annually instead of £1,691. Octopus Energy's chief executive Greg Jackson, said: "More than a third of customers who order a heat pump drop out because of planning issues, leaving them stuck with dirty, inefficient gas boilers. Removing outdated and unnecessary red tape is an urgent priority to grow this sector and get low cost, safe, clean heating technology into British homes."UnitedHealth Group CEO Andrew Witty made some eyebrow-raising remarks following the assassination of his colleague Brian Thompson . On the day of Thompson's murder, Witty addressed employees in a company-wide video in which he justified their practice of stamping out "unnecessary" health coverage. "Our role is a critical role, and we make sure that care is safe, appropriate, and is delivered when people need it," Thompson said in the internal virtual address, leaked by journalist Ken Klippenstein . "And we guard against the pressures that exist for unsafe care or for unnecessary care to be delivered in a way which makes the whole system too complex and ultimately unsustainable." "So we're going to continue to make that case, and we're going to continue to do the work we do," he added. As critics of the healthcare industry might argue, Witty's comments are emblematic of insurers' ruthless cost-saving policies that prevent patients from getting coverage for often crucial or life-saving procedures, leaving them with enormous medical bills. An analysis by ValuePenguin suggests that UnitedHealthcare — a subsidiary of UnitedHealth Group, which Thompson served as CEO of — denies a staggering 32 percent of claims. That's twice the industry average, and more than any other insurer. The company even reportedly used an AI algorithm to automatically deny some of these claims. On social media, Witty's "unnecessary care" remarks struck a nerve amongst those who have seen themselves or loved ones struggle with UHC's system. "United wouldn't approve my mother for the medicine her doctor said she needed until she first tried this other medicine," tweeted Justin Whang, a popular YouTuber and streamer. "As a result, one day she went temporarily blind on the way home." Another user painfully recalled how her brain surgery was considered "unnecessary" because it was a "cosmetic" issue. "If I had to live with the condition any longer I [definitely] wouldn't be here today," she wrote. But according to Witty, these kinds of grievances aren't based in "reality." Seriously. Taking aim at the company's "vitriolic" critics, he launched into a rant about the negative atmosphere in the media and among the public. "I encourage you to tune out that critical noise that we're hearing right now," Witty told employees. "It does not reflect reality. It is simply a sign of an era in which we live." That is an astoundingly tonedeaf thing to say in a country where medical debt is cited in over 66 percent of bankruptcies, according to a 2019 study . But is anyone surprised at this point? More on United: Suspected Killer of Insurance CEO Had Debilitating Back Injury Share This Article
Los Angeles Lakers @ Phoenix Suns Current Records: Los Angeles 10-6, Phoenix 9-7 When: Tuesday, November 26, 2024 at 10 p.m. ET Where: Footprint Center -- Phoenix, Arizona TV: TNT Follow: CBS Sports App Online Streaming: Catch select NBA matches on Fubo (Try for free. Regional restrictions may apply.) Ticket Cost: $20.00 The Phoenix Suns will take on the Los Angeles Lakers at 10:00 p.m. ET on Tuesday at Footprint Center after having had a few days off. The Suns are limping into the contest on a five-game losing streak. Last Wednesday, the Suns lost to the Knicks at home by a decisive 138-122 margin. The loss doesn't tell the whole story though, as several players had good games. One of the most active was Devin Booker, who posted 33 points along with five assists. His performance made up for a slower match against the Magic last Monday. Even though they lost, the Suns were working as a unit and finished the game with 30 assists. That strong performance was nothing new for the team: they've now posted at least 25 assists in three consecutive matchups. Meanwhile, the point spread may have favored the Lakers last Saturday, but the final result did not. Their bruising 127-102 defeat to the Nuggets might stick with them for a while. The game marked Los Angeles' lowest-scoring contest so far this season. Phoenix's loss dropped their record down to 9-7. As for Los Angeles, this is the second loss in a row for them and nudges their season record down to 10-6. Looking ahead, the Suns are the favorite in this one, as the experts expect to see them win by three points. Bettors picking them against the spread have some confidence (to put it mildly), as the team is sitting on a three-game streak of failing to cover when playing at home. The Suns didn't have too much breathing room in their match against the Lakers in their previous meeting back in October, but they still walked away with a 109-105 victory. Will the Suns repeat their success, or do the Lakers have a better game plan this time around? We'll find out soon enough. Phoenix is a 3-point favorite against Los Angeles, according to the latest NBA odds . The oddsmakers had a good feel for the line for this one, as the game opened with the Suns as a 2-point favorite. The over/under is 234 points. See NBA picks for every single game, including this one, from SportsLine's advanced computer model. Get picks now . Los Angeles has won 6 out of their last 10 games against Phoenix. Oct 28, 2024 - Phoenix 109 vs. Los Angeles 105 Oct 25, 2024 - Los Angeles 123 vs. Phoenix 116 Feb 25, 2024 - Phoenix 123 vs. Los Angeles 113 Jan 11, 2024 - Phoenix 127 vs. Los Angeles 109 Dec 05, 2023 - Los Angeles 106 vs. Phoenix 103 Nov 10, 2023 - Los Angeles 122 vs. Phoenix 119 Oct 26, 2023 - Los Angeles 100 vs. Phoenix 95 Apr 07, 2023 - Los Angeles 121 vs. Phoenix 107 Mar 22, 2023 - Los Angeles 122 vs. Phoenix 111 Dec 19, 2022 - Phoenix 130 vs. Los Angeles 104
The Department of Energy (DOE) is on a loan-approval spree in the lead-up to President-elect Donald Trump’s inauguration, and the winners are all companies manufacturing clean energy solutions on U.S. soil. Companies like Stellantis and Samsung, Rivian, and most recently, EVgo . Trump has promised to cancel any unspent federal dollars under President Joe Biden’s Inflation Reduction Act (IRA), a bipartisan climate law that allocated billions to building a domestic supply chain for clean energy. The IRA spurred a flurry of private investment as well. In particular, automakers and battery manufacturers have collectively invested or promised to invest around $112 billion in building domestic cell and module manufacturing plants for electric vehicles. Those factories have largely benefited Republican-led communities. The fresh loans come from two DOE loan programs — the Advanced Technology Vehicles Manufacturing (ATVM) loan program and the Title 17 Clean Energy Financing Program — that the IRA revived and expanded, respectively. The ATVM program in particular, which went dormant under Trump’s first administration, once provided a much-needed $465 million loan to Tesla in 2009, helping to save the EV maker from one of several near-death experiences. It dwindled under Trump’s administration. A joint venture between General Motors and LG Energy Solution was the first to receive a $2.5 billion loan under the ATVM program in 2022 under Biden’s administration. A condition of these loans is that the borrowers “meaningfully engage with community and labor stakeholders to create good-paying jobs and improve the well-being of the local community and workers.” Over the past couple of weeks, the DOE approved or conditionally approved five loans totaling roughly $15.95 billion. We’re keeping track of where the Biden administration’s DOE loan money is going. Here are some of the biggest recent recipients. EVgo On December 13, the DOE approved a $1.25 billion loan guarantee ($1.05 billion of principal and $193 million of capitalized interest) to electric vehicle charging startup EVgo. The funds will be used to aid the installment of 7,500 public chargers at 1,100 charging stations across the U.S. over the next five years. The first deployments will include 350kW DC fast-charging equipment that can charge two cars at once, and the chargers will be equipped with the Combined Charging System and North American Charging System ports. Eos Energy Enterprises On December 3, the DOE closed a $303.5 million loan guarantee ($277.5 million of principal and $26 million of capitalized interest) to Eos Energy Enterprises to finance the construction of two production lines that promise to produce enough stationary batteries per year to power the electricity needs of 130,000 homes. The project is expected to create up to 1,000 jobs. Stellantis and Samsung (StarPlus Energy) On December 2, the DOE approved a conditional commitment for a loan of up to $7.54 billion ($6.85 billion in principal, $688 in interest) to StarPlus Energy , the joint venture formed by automaker Stellantis and South Korean battery manufacturer Samsung SDI. If finalized, the loan will finance the two lithium-ion battery cell and module factories that are being built in Kokomo, Indiana. The project is expected to create about 3,200 construction jobs and 2,800 operations jobs at the plants. At peak production, the factories are expected to produce 67 GWh of battery capacity, which is enough to power 670,000 vehicles annually. Sunwealth Clean energy investment firm Sunwealth on November 25 scored a loan guarantee of up to $289.7 million for its Project Polo. If finalized, the loan will finance the deployment of up to 1,000 solar photovoltaic and battery energy storage systems to commercial and industrial facilities across up to 27 states. Project Polo is expected to create 3,700 jobs, including 1,900 solar and storage installation jobs and 1,700 operations and maintenance jobs. Rivian Rivian on November 25 secured a conditional commitment for a $6.6 billion loan to help it restart construction on its massive EV factory in Georgia. Rivian expects to begin operations at the factory in 2028, and it will employ 7,500 people by 2030.NoneTrump has promised again to release the last JFK files. But experts say don’t expect big revelations
Medicare enrollment is complicated, but saving money doesn't have to be
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Stocks closed higher on Wall Street, giving the market its fifth gain in a row and notching another record high for the Dow Jones Industrial Average. The S&P 500 rose 0.3% Friday. The Dow added 1%, and the Nasdaq composite tacked on 0.2%. Retailers had some of the biggest gains. Gap soared after reporting quarterly results that easily beat analysts’ estimates. EchoStar fell after DirecTV called off its purchase of that company’s Dish Network unit. European markets closed mostly higher and Asian markets ended mixed. Treasury yields held relatively steady in the bond market. Crude oil prices gained ground. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. Stocks rose on Wall Street in afternoon trading Friday, keeping the market on track for its fifth straight gain. The S&P 500 was up 0.2% and was solidly on track for a weekly gain that will erase most of last week's loss. The Dow Jones Industrial Average climbed 333 points, or 0.8%, and the Nasdaq composite was essentially flat with a gain of less than 0.1% as of 3:07 p.m. Eastern. Markets have been volatile over the last few weeks, losing ground in the runup to elections in November, then surging following Donald Trump's victory, before falling again. The S&P 500 has been steadily rising throughout this week to within close range of its record. “Overall, market behavior has normalized following an intense few weeks,” said Mark Hackett, chief of investment research at Nationwide, in a statement. Several retailers jumped after giving Wall Street encouraging financial updates. Gap soared 10.8% after handily beating analysts' third-quarter earnings and revenue expectations, while raising its own revenue forecast for the year. Discount retailer Ross Stores rose 1.5% after raising its earnings forecast for the year. EchoStar fell 2.4% after DirecTV called off its purchase of that company's Dish Network unit. Smaller company stocks had some of the biggest gains. The Russell 2000 index rose 1.8%. A majority of stocks in the S&P 500 were gaining ground, but those gains were kept in check by slumps for several big technology companies. Nvidia fell 3.3%. Its pricey valuation makes it among the heaviest influences on whether the broader market gains or loses ground. The company has grown into a nearly $3.6 trillion behemoth because of demand for its chips used in artificial-intelligence technology. Intuit, which makes TurboTax and other accounting software, fell 5.6%. It gave investors a quarterly earnings forecast that fell short of analysts’ expectations. Facebook owner Meta Platforms fell 0.8% following a decision by the Supreme Court to allow a multibillion-dollar class action investors’ lawsuit to proceed against the company. It stems from the privacy scandal involving the Cambridge Analytica political consulting firm. European markets closed mostly higher and Asian markets ended mixed. Crude oil prices rose. Treasury yields held relatively steady in the bond market. The yield on the 10-year Treasury fell to 4.41% from 4.42% late Thursday. In the crypto market, Bitcoin hovered around $99,000, according to CoinDesk. It has more than doubled this year and first surpassed the $99,000 level on Thursday. Retailers remained a big focus for investors this week amid close scrutiny on consumer spending habits headed into the holiday shopping season. Walmart, the nation's largest retailer, reported a quarter of strong sales and gave investors an encouraging financial forecast. Target, though, reported weaker earnings than analysts' expected and its forecast disappointed Wall Street. Consumer spending has fueled economic growth, despite a persistent squeeze from inflation and high borrowing costs. Inflation has been easing and the Federal Reserve has started trimming its benchmark interest rates. That is likely to help relieve pressure on consumers, but any major shift in spending could prompt the Fed to reassess its path ahead on interest rates. Also, any big reversals on the rate of inflation could curtail spending. Consumer sentiment remains strong, according to the University of Michigan's consumer sentiment index. It revised its latest figure for November to 71.8 from an initial reading of 73 earlier this month, though economists expected a slight increase. It's still up from 70.5 in October. The survey also showed that consumers' inflation expectations for the year ahead fell slightly to 2.6%, which is the lowest reading since December of 2020. Wall Street will get another update on how consumers feel when the business group The Conference Board releases its monthly consumer confidence survey on Tuesday. A key inflation update will come on Wednesday when the U.S. releases its October personal consumption expenditures index. The PCE is the Fed's preferred measure of inflation and this will be the last PCE reading prior to the central bank's meeting in December. Damian J. Troise And Alex Veiga, The Associated PressEastside Distilling CEO of Subsidiary Buys $36,749 in Stock
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