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I am constantly looking for books that can teach kids important life skills in a fun and engaging way because I am both an educationist and a parent. MoneyVilla: Learn to be Money Smart by Dr. Bilal Ahmad Pandow is one such gem that I cannot recommend enough. Children as young as six can benefit from this book’s fresh perspective on financial literacy. Stories and colorful graphics set MoneyVilla apart from other financial manuals, making it easier to understand topics like banking, budgeting, and saving. This book stimulates critical thinking about money—a topic that even adults struggle with—through the experiences of its realistic characters, which fosters curiosity and helps youngsters. The author’s ability to simplify seemingly insurmountable concepts such as interest, investing, and long-term planning is my biggest takeaway. One example is the book’s age-appropriate and successful use of realistic events to convey the notion of making financial goals. Each chapter ends with pictures and an activity to keep young readers interested and help them remember what they’ve learned. Vitasta Publishing Private Limited is a prestigious literary house that has a stellar reputation for publishing influential and thought-provoking publications, like MoneyVilla: Learn to Be Money Smart. On July 11, 2024, Vitasta Publishing Private Limited will release the first edition, a thoughtfully written introduction to financial literacy for children aged 6 to 10. This 144-page paperback book is perfect for little readers since it is simple, light, and written in English. As a standout in its area, HYPERLINK “https://amzn.in/d/ed7vWyV” MoneyVilla has achieved a Best Sellers Rank of #136 in “Young Adults’ Money & Jobs.” Its ISBN-10 is 8119670248, and its ISBN-13 is 978-8119670246. In my opinion, MoneyVilla fills a critical need in children’s reading and is a powerful tool for promoting early financial education. We cannot overstate the importance of teaching young people about money management, particularly in a society where conventional school curricula underemphasize this subject. Its captivating storyline encourages kids to take charge of their own financial destinies rather than just learning about money. Kids may learn valuable life lessons from MoneyVilla’s relevant characters and situations, which boosts their self-esteem and encourages them to see money not as a mysterious force but as a powerful instrument. Additionally, families can use the book as a starting point for important conversations about money, a topic that is often difficult to discuss or perceived as too complex for children. With MoneyVilla, parents can teach their children about money in a fun and effective way by tackling this important topic in an age-appropriate and approachable fashion. These early conversations may provide the groundwork for positive money habits, giving kids the tools they’ll need to handle the inevitable financial difficulties they’ll face as adults. In the end, the book encourages a mindset of fiscal responsibility, which might benefit the family in the long run. The valued personal financial expert and author Monika Halan has graced MoneyVilla with her perceptive viewpoint. Her assessment of this book is very significant because of Halan’s reputation for having in-depth knowledge of financial planning and making complicated financial ideas accessible to the general public. Her endorsement underscores the significance of the book in shaping young minds, given her commitment to promoting financial literacy and equipping individuals with the necessary tools to make informed financial choices. Halan praises MoneyVilla for its fresh take on budgeting lessons, praising the app’s capacity to make learning about money fun and accessible while simultaneously instilling a sense of permanence in its users. Her endorsement further cements the book’s standing as a vital resource for families, teachers, and everyone enthusiastic about financial education If you care about helping your students become financially responsible adults, you should read MoneyVilla. Beyond its literary merit, this work serves as a foundational guide in the effort to instill a sense of financial responsibility in the next generation. Whether you’re a teacher seeking a resource to incorporate into your lessons or a parent hoping to impart financial literacy to your child, this book will not disappoint. A must-have for every library, Dr. Pandow’s work is a joy to read and a treasure trove of knowledge. [Author is an Assistant Professor at Higher Colleges of Technology, United Arab Emirates]
This past Saturday’s South Carolina 400 at Florence Motor Speedway was the most highly anticipated Late Model Stocks race this year, thanks to Dale Earnhardt Jr. making his return behind the wheel of the No. 8 Budweiser Chevrolet for the first time since 2007. Unfortunately, the event was snake bitten by technical issues on the FloRacing broadcast. At multiple times throughout the race, the audio cut out, the stream cut out and sometimes, both happened at the same time. Earnhardt discussed the broadcast issues during Monday’s “ Dale Jr. Download ,” asking fans to go easy on FloRacing “because they are the only ones really that are trying to bring this content to us.” “Hopefully people aren’t too hard on Flo because they are the only ones really that are trying to bring this content to us,” Earnhardt said. “... I can watch multiple weekly shows with multiple tablets, my phone, my iPad, my Apple TV or whatever it is, my Smart TV — I can watch three or four shows a night on any given weekend. It’s awesome.” The broadcast booth lost power at one point, leaving Eric Brennan and Blake McCandless without the ability to call the race. To finish out the race, James Pike took up the mantle. The FloRacing pit reporter suddenly had to handle play-by-play and color commentator duties all at once. He had to do it with quite the setup, too. From on top of a trailer in the infield, Pike delivered the race for fans at home. One man with a microphone, his IFB comms and the Race Monitor app to keep track of the running order. Dale Earnhardt Jr.’s run at Florence goes sideways late in race NASCAR Productions issued an apology for the issues with the FloRacing broadcast. “NASCAR Productions is aware of the ongoing issues related to the live stream of the South Carolina 400 and is working diligently to resolve them. We apologize for these challenges during what we understand is a highly anticipated event,” NASCAR Productions wrote in a statement on X. As for Earnhardt’s performance at Florence, the NASCAR Hall of Famer started the race in the 37th position and worked his way up to second behind eventual race winner Treyten Lapcevich. Earnhardt had a car capable of taking the checkered flag, but a fuel pump issue on Lap 219 brought his run to an early end. He officially finished 28th. “I felt great about the car,” Earnhardt said after the race, via NASCAR.com . “Picked them off as I could. The car was excellent, and a lot of guys were starting to struggle with the balance of their car. For the second half, we were going to sit there in second. When it was time to start pressuring [Lapcevich], I could probably get him loose, drive off the corner and beat him. “It was about time to turn it on and then the fuel pump broke.” On3’s Jonathan Howard contributed to this article. This article first appeared on 5 GOATs and was syndicated with permission.The popularity of The Finals is on the up, with Season 4 breathing a wave of fresh air over the arena. The community's lukewarm response to the previous season seems to have been taken into account, and many of the issues have been rectified . This means that this is the perfect time to jump into The Finals if you haven't already. This will be made all the easier on 12th December, as Embark's online shooter is coming to PS4, opening it up to many additional aspiring finalists. This surprise drop on the PS4 also coincides with the release of Season 5, making for an exciting few weeks ahead for players. You can watch a teaser of Season 5 below: In addition to this good news, we can also confirm that a PS5 Pro update for the game is now available. From its release in December o2023, The Finals has undergone many changes and updates, and over the course of four seasons, has adapted and listened to its community, something which is important in the live-service landscape. Back in May, publisher Nexon admitted that The Finals had "lower than expected" performance. Have you stuck with The Finals? Will you be playing it on PS4? Grab the cash box in the comments below.
The Minister of Livestock Development, Idi Maiha, has said the livestock sector, if properly nurtured, can contribute N33tn to the nation’s economy. The minister stated this at an inaugural meeting with the House of Representatives Committee on Livestock Development on Tuesday in Abuja. He noted that once unbundled, the sector has the potential to attract a lot of investment in the country. The minister said Nigerian businessmen have already indicated interest in going into ranching and dairy farming across the country. “At the moment we are taking stock of those state governments that have external ministry of livestock and fisheries. For state governments that have not created, they should give it effect and have a standing Ministry for Livestock for a seamless relationship between the Federal Ministry of Livestock Development and the State Ministries of Livestock as the case may be. “This sector sector is worth about N33tn once unbundled. Once unbundled, we have a huge opportunity to attract capital into the country as well as have a lot of ranchers. Related News Domestic transactions hit N3.73tn on NGX Minister hails TEFFund contribution to economic growth Rising malaria prevalence in Ogun worrisome – Minister “At the moment, we have a lot of requests from Nigerian businessmen who want to go into ranching and dairy activities. “So it is a question of settling down and unbundling this Ministry, giving it to the formal sector so that it can be derisked and people will know that beyond what everybody has been saying before the creation of this Ministry, there is a strong political support from the office of the President and then this committee,” the minister said. The Chairman of the Committee, Wale Raji, called for the transformation of the livestock sector for meaningful economic growth. He said the committee understood the urgency the sector needs and promised to legislative partnership for the development of the sector. “The only regret is that the creation of the ministry is coming this late. But our consolation is that it is better late than never. And with your wealth of experience as a technocrat and also a practicing farmer, we do not doubt that we have a round peg in a round hole. The whole essence would be towards the development and progress of the country,” he saidIn a shocking incident, a young doctor in Madhya Pradesh’s capital city Bhopal allegedly refused to treat an elderly Muslim patient and asked the family to seek treatment elsewhere. The man died while being taken to another hospital. In a shocking incident, a young doctor in Madhya Pradesh's capital city Bhopal allegedly refused to treat an elderly Muslim patient and asked the family to seek treatment somewhere else. The man died while being taken to another hospital. Later, the son of the deceased... pic.twitter.com/tdKRDpWss8 Later, the son of the deceased confronted the doctor Sonali Chouksey who alleged she was being harassed by the patient’s family. She reportedly threatened to frame the son in a religious conversion case. On November 23, a video of the confrontation surfaced on social media where the doctor is heard saying, “You are a maulana, go away from here. If not, I will trap you on a false case.”
Facebook Twitter WhatsApp SMS Email Print Copy article link Save AVALON — Seen as a lame duck since the Democratic National Convention over the summer, and by many even earlier than that, Joe Biden remains the president of the United States until Jan. 20. This week, the 82-year-old president returned from an international conference in Azerbaijan, pardoned a couple of Thanksgiving turkeys, pushed for a ceasefire in Gaza, rushed to fill judicial vacancies as his term comes to a close, and made Avalon very happy. On Monday, Biden signed a new policy that will allow the use of sand from Hereford Inlet in federal beach replenishment projects. Previously, sand could be taken from the inlet in an emergency, such as after Superstorm Sandy in 2012, but regular beach projects, such as those that add sand to Avalon and Stone Harbor beaches about every three years, had to use other sources. What does Spirit Airlines' bankruptcy mean for Atlantic City International Airport? Atlantic City police say power restored after daylong outages Ocean City introduces new fees on rentals Jake Blum's 2-point conversion in OT propels Mainland Regional to second straight state final Ocean City residents speak against Bible study on school time Chicken Bone Beach foundation to purchase Atlantic City's Dante Hall with NJEDA grant High school football scoreboard: Friday's semifinal winners, plus Saturday updates South Jersey first grader assaulted by teacher during bus trip, lawsuit alleges Want a piece of Gillian's Wonderland? This Burlington County antique shop has tons of them. Galloway man gets 3 years in Ocean City fatal crash South Jersey student talks about her yearlong suspension as others adjust to school elsewhere: 'It was a hard lesson' 4 arrested, 3 stolen vehicles recovered in Atlantic City Upper Township Committee to vote on Beesleys Point redevelopment proposal 3rd Ward meeting tonight on 'Icona in Wonderland' Ocean City hotel plan 'Doing the hard work' paying off in Atlantic City's Chelsea neighborhood “It just made no sense to us,” said Scott Wahl, Avalon’s administrator. The rule related to environmental regulations, but Wahl had little insight into what they were intended to protect. State-funded projects or local projects could also use sand from Hereford Inlet, just not the regular federally sponsored projects. That meant bringing sand from the other end of Seven Mile Beach, from Townsends Inlet, which Wahl estimated increased the cost of two recent beach fill projects by about $7 million. In North Wildwood, officials say they got everything they wanted from an emergency state project to rebuild badly eroded beaches before the July 4 holiday. Mayor Pat Rosenello said the work saved summer. In 2021, officials from Avalon, Stone Harbor and North Wildwood met with David Bernhardt, then the U.S. secretary of the interior, and convinced him that the sand taken from that inlet enhanced the environment rather than harmed it. But he wasn’t the secretary much longer, and as the Biden administration took over from former President Donald Trump, that decision was reversed. Biden signed House Resolution 5490, known as the BEACH Act, an acronym for Bolstering Ecosystems Against Coastal Harm. The act impacts federal rules across multiple states, and has been described as the most significant changes to the Coastal Barrier Resources Act in 34 years. It adds hundreds of thousands of acres to a system aimed at limiting development in coastal communities. But local officials are primarily interested in one change: permitting the use of Hereford Inlet sand for all federal beach replenishment projects. “Avalon was proud to lead this four-year battle over this sand source issue and is tremendously grateful to the efforts of Congressman Jeff Van Drew and our federal lobbyists, Warwick Group Consultants, for this significant and important legislation,” Avalon Mayor John McCorristin said in a statement. “This bill now takes away discretionary decisions based on politics in Washington and applies both science and common sense to protect lives and property in our communities.” “The signing of this bill into law is demonstrative of the strength of communities working together to solve common problems,” said Judy Davies-Dunhour, mayor of Stone Harbor. “By sharing resources, knowledge, expertise, and relentless vigor, our natural resources are protected, and our communities are further protected from severe storms that impact our communities.” The inlet runs between Stone Harbor and North Wildwood, with North Wildwood eagerly anticipating its own beach replenishment project. In an interview earlier this week, North Wildwood Mayor Patrick Rosenello also welcomed the approval, although he was not certain whether it would apply to the Wildwoods as well. “During two recent beach fill projects, more than $7 million of federal, state, and local taxpayer funds were needlessly spent on pipe and booster pumps to send sand from Townsends Inlet to the Stone Harbor beach while several millions of usable sand sat in Hereford Inlet adjacent to Stone Harbor,” Wahl said in a statement. “This legislation removes interpretations from federal law and allows sand to be used for federal coastal storm risk management projects.” Contact Bill Barlow: 609-272-7290 bbarlow@pressofac.com Twitter @jerseynews_bill Get Government & Politics updates in your inbox! Stay up-to-date on the latest in local and national government and political topics with our newsletter. Author email {{description}} Email notifications are only sent once a day, and only if there are new matching items.
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Prime Minister Narendra Modi on Tuesday recalled the 26/11 terrorist attacks and reiterated that every terrorist organisation challenging India's security will be dealt with a befitting reply. NEW DELHI: Speaking at a function organised by Supreme Court to celebrate the 75th year of the adoption of the Constitution, PM Modi said, "In discharging the duties entrusted to me by the Constitution, I have always strived to remain within the boundaries set by the Constitution." The remark was possibly aimed at SCBA president and MP Kapil Sibal, who said that to protect the values of the Constitution and centrality of the people of India to governance, SC must keep reminding govt of the day about its duties to preserve the independence of the judiciary. The PM said, "Some wise man raised this issue, that's why I thought it fit to place my view. For this august gathering, a hint is enough and requires no elaboration." Modi began his speech by paying homage to victims of the 26/11 terror attack in Mumbai and said while the country celebrates Constitution Day and pays homage to the framers of the Constitution, which remains the guiding light for his govt, "we must not forget the heinous terror attack on this day in 2008. I pay homage to those innocents who lost their lives." "I am reiterating the resolve of the country that every terror outfit which challenges the safety and security of the country will get a befitting response (muh tod jawab)," he said, hinting that the response of the then UPA govt to 26/11 was delayed and inadequate. The PM outlined the work of his govt in the last 10 years, and said: "Our aim is to provide a dignified quality of life to every citizen and achieve social justice." "The humane values of Ram, Sita, Hanuman, Buddha, Mahavir and Nanak, whose pictures adorn the pages of the original Constitution, are at the core of our policies," he said. Modi said Constituent Assembly chairperson Rajendra Prasad had said the country needed people at the helm of governance who do not want anything for themselves but keep the nation as the priority. He said his govt functions on the mantra of 'nation first'. CJI Sanjiv Khanna said judges while discharging their duties walk a razor's edge and attempt a balancing act while deciding issues involving conflict between rights of people. He said faith of the people is foremost for the judiciary along with transparency, efficiency and accountability. Referring to the oft-repeated political barb, "tyranny of unelected", for constitutional court judges, the CJI said, "Imagine a world where judges campaign for votes, solicit views and decisions from the public and make promises about future judgments. This ensures that its decisions are unbiased, without affection or ill-will, free from external pressures and guided solely by the Constitution and the law. Therefore, it is said that administration of justice is the firmest pillar of governance." CJI Khanna said though pendency of cases has crossed the dreaded five-crore mark, the disposal rate of cases registered a remarkable 102% this year in trial courts and 97% in SC. The institution of an equally high number of cases shows the faith of people in the judiciary, and the rate of disposal reflects the efficiency of the justice delivery system, the CJI said. While Justice B R Gavai gave the welcome address, Justice Surya Kant gave the vote of thanks. Centrality of rule of law in justice dispensation was the overlapping themes of the brief addresses of both SC judges. Minister of state for law and justice Arjun Ram Meghwal said the Constitution is a dynamic document that allows govt to achieve its objectives through policies for social justice.Aryan Brotherhood leader accused of attempting to murder two prison guards
Rio Ferdinand claims Liverpool are 'the best team in Europe' after victory over Real Madrid - as he insists Arne Slot's side were like 'rottweilers' on the pitch Liverpool secured a 2-0 win over Real Madrid in their Champions League clash Afterwards, Ferdinand claimed that Arne Slot's side were the best across Europe SOCCER A-Z: Listen now wherever you get your podcasts, or watch on YouTube. New episodes every Wednesday and Friday By LEWIS STEELE Published: 23:13, 27 November 2024 | Updated: 23:25, 27 November 2024 e-mail View comments Liverpool are the ‘best team in Europe’ and are ‘playing like Rottweilers that have not been fed in a while’, according to pundit Rio Ferdinand . The Reds toppled the mighty Real Madrid last night after goals from Alexis Mac Allister and substitute Cody Gakpo made it five wins from five in Europe, to put them top of the Champions League as well as the Premier League . Caoimhin Kelleher made a heroic stop to deny Kylian Mbappe from the penalty spot at 1-0 while Mohamed Salah failed to follow up his blockbuster comments this week as the Egyptian also missed a spot-kick. But this was a breathtaking display from Slot’s men and Ferdinand said on TNT Sports: ‘They've put the gauntlet down to all the other teams in Europe. They look like the best team in Europe at the moment. ‘They're playing as a team and look the hungriest individuals about. They're not only getting results, they look starving. They look like they haven't been fed for ages, Rottweilers running round the pitch hunting teams down. They've got the composure.’ Slot had his family in attendance and hailed a special night. ‘It is always good to win a game, especially a big game like this,’ said the Dutchman, who will be back at the AXA Training Centre this morning to prepare for a crunch title tussle against strugglers Liverpool remain top of the Champions League and the Premier League after a strong start Rio Ferdinand labelled them the 'best team in Europe' after beating Real Madrid on Wednesday Arne Slot (right) has got the best out of Egyptian star Mohamed Salah (left) in recent weeks Manchester City on Sunday. ‘It will mean more in the later stages of the tournament. It is difficult to judge how big these wins are. If we are able to beat them in the knockout stages it will be a bigger statement.’ Slot also thanked the Liverpool academy for penalty hero Kelleher and player-of-the-match Conor Bradley, who marked Mbappe out of the match and registered an assist. ‘He assisted? I didn’t know... he was in a strange position then,’ laughed Slot. ‘It is nice for him, his family and the academy that a player who comes through does so well, like Caoimhin and Curtis (Jones). To have three academy players doing so well is a big compliment and Conor did very well. I am not surprised because he showed it last season.’ Jude Bellingham was another to flop on the big stage for Carlo Ancelotti’s men and he said: ‘They were just more up for it than us which is really disappointing to say. It's a bad result against the best-performing team in Europe. ‘It's no disgrace to come here and lose but we are disappointed in how we performed.’ Ancelotti, whose European champions are 24th in the new-look league phase, added: ‘To be totally honest it is a fair result, Liverpool deserved to win, they have a real good dynamic. They are in great form, connected playing with a high intensity.’ On Mbappe, the seven-time European Cup winner said: ‘This has happened before in my career many times, forwards with no confidence. There is a medicine... I think Mbappe is in a difficult moment. We have to support him and give him our love, he will soon be fine.’ Gareth Bale Rio Ferdinand Mohamed Salah Share or comment on this article: Rio Ferdinand claims Liverpool are 'the best team in Europe' after victory over Real Madrid - as he insists Arne Slot's side were like 'rottweilers' on the pitch e-mail Add commentFiscal Third Quarter Total Revenues of $2.160 Billion , Up 15.8% Year Over Year Subscription Revenues of $1.959 Billion , Up 15.8% Year Over Year PLEASANTON, Calif. , Nov. 26, 2024 /PRNewswire/ -- Workday, Inc. (NASDAQ: WDAY), a leading provider of solutions to help organizations manage their people and money , today announced results for the fiscal 2025 third quarter ended October 31, 2024. Fiscal 2025 Third Quarter Results 1 See the section titled "About Non-GAAP Financial Measures" in the accompanying financial tables for further details. Comments on the News "Workday's solid performance in Q3 reflects the trust our customers place in us across industries, the global momentum around our AI-driven innovations, and the strength of our partner ecosystem," said Carl Eschenbach , CEO, Workday. "Organizations are increasingly consolidating on the Workday platform to reduce total cost of ownership, simplify their operations, and to unlock the power of our best-in-class AI solutions. Workday gives them the ultimate advantage – and that positions our business for long-term success." "In Q3, we once again made good progress across a number of our key growth areas," said Zane Rowe , CFO, Workday. "Looking ahead, we expect fiscal 2025 subscription revenue of $7.703 billion , growth of 17%, and fiscal 2025 non-GAAP operating margin of 25.5%. We are focused on executing in our seasonally strongest quarter, as we lay the foundation for durable, profitable growth at scale." Recent Highlights 1 Gartner Magic Quadrant for Cloud HCM Suites for 1,000+ Employee Enterprises, Ranadip Chandra, Sam Grinter, Ron Hanscome, Chris Pang, Anand Chouksey, Josie Xing, Harsh Kundulli, David Bobo, Laura Gardiner, Hiten Sheth, Emi Chiba, Travis Wickesberg, and Michelle Shapiro, 23 October 2024. 2 Gartner Magic Quadrant for Cloud ERP for Service-Centric Enterprises, Robert Anderson, Denis Torii, Sam Grinter, Naveen Mahendra, Tomas Kienast, Johan Jartelius, 4 November 2024. 3 Gartner Magic Quadrant for Financial Planning Software, Regina Crowder, Vaughan Archer, Matthew Mowrey, Michelle Carlsen, 18 November 2024. Financial Outlook Workday is providing guidance for the fiscal 2025 fourth quarter ending January 31, 2025 as follows: Workday is updating its guidance for the fiscal 2025 full year ending January 31, 2025 as follows: 1 The Company has not provided a reconciliation of its forward outlook for non-GAAP operating margin with its forward-looking GAAP operating margin in reliance on the unreasonable efforts exception provided under Item 10(e)(1)(i)(B) of Regulation S-K. The Company is unable to predict with reasonable certainty the amount and timing of adjustments that are used to calculate this non-GAAP financial measure, particularly related to stock-based compensation and its related tax effects, acquisition- related costs, and realignment costs. Earnings Call Details Workday plans to host a conference call today to review its fiscal 2025 third quarter financial results and to discuss its financial outlook. The call is scheduled to begin at 1:30 p.m. PT / 4:30 p.m. ET and can be accessed via webcast . The webcast will be available live, and a replay will be available following completion of the live broadcast for approximately 90 days. Workday uses the Workday Blog as a means of disclosing material non-public information and for complying with its disclosure obligations under Regulation FD. About Workday Workday is a leading enterprise platform that helps organizations manage their most important assets – their people and money . The Workday platform is built with AI at the core to help customers elevate people, supercharge work, and move their business forever forward. Workday is used by more than 10,500 organizations around the world and across industries – from medium-sized businesses to more than 60% of the Fortune 500. For more information about Workday, visit workday.com . © 2024 Workday, Inc. All rights reserved. Evisort, Workday, and the Workday logo are registered trademarks of Workday, Inc. All other brand and product names are trademarks or registered trademarks of their respective holders. Forward-Looking Statements This press release contains forward-looking statements including, among other things, statements regarding Workday's fourth quarter and full-year fiscal 2025 subscription revenue and non-GAAP operating margin, growth, momentum, and innovation. These forward-looking statements are based only on currently available information and our current beliefs, expectations, and assumptions. Because forward-looking statements relate to the future, they are subject to risks, uncertainties, assumptions, and changes in circumstances that are difficult to predict and many of which are outside of our control. If the risks materialize, assumptions prove incorrect, or we experience unexpected changes in circumstances, actual results could differ materially from the results implied by these forward-looking statements, and therefore you should not rely on any forward-looking statements. Risks include, but are not limited to: (i) breaches in our security measures or those of our third-party providers, unauthorized access to our customers' or other users' personal data, or disruptions in our data center or computing infrastructure operations; (ii) service outages, delays in the deployment of our applications, and the failure of our applications to perform properly; (iii) privacy concerns and evolving domestic or foreign laws and regulations; (iv) the impact of continuing global economic and geopolitical volatility on our business, as well as on our customers, prospects, partners, and service providers; (v) any loss of key employees or the inability to attract, train, and retain highly skilled employees; (vi) competitive factors, including pricing pressures, industry consolidation, entry of new competitors and new applications, advancements in technology, and marketing initiatives by our competitors; (vii) our reliance on our network of partners to drive additional growth of our revenues; (viii) the regulatory, economic, and political risks associated with our domestic and international operations; (ix) adoption of our applications and services by customers and individuals, including any new features, enhancements, and modifications, as well as our customers' and users' satisfaction with the deployment, training, and support services they receive; (x) the regulatory risks related to new and evolving technologies such as AI and our ability to realize a return on our development efforts; (xi) our ability to realize the expected business or financial benefits of any acquisitions of or investments in companies; (xii) delays or reductions in information technology spending; and (xiii) changes in sales, which may not be immediately reflected in our results due to our subscription model. Further information on these and additional risks that could affect Workday's results is included in our filings with the Securities and Exchange Commission ("SEC"), including our most recent report on Form 10-Q or Form 10-K and other reports that we have filed and will file with the SEC from time to time, which could cause actual results to vary from expectations. Workday assumes no obligation to, and does not currently intend to, update any such forward-looking statements after the date of this release, except as required by law. Any unreleased services, features, or functions referenced in this document, our website, or other press releases or public statements that are not currently available are subject to change at Workday's discretion and may not be delivered as planned or at all. Customers who purchase Workday services should make their purchase decisions based upon services, features, and functions that are currently available. Workday, Inc. Condensed Consolidated Balance Sheets (in millions) (unaudited) October 31, 2024 January 31, 2024 Assets Current assets: Cash and cash equivalents $ 1,311 $ 2,012 Marketable securities 5,846 5,801 Trade and other receivables, net 1,404 1,639 Deferred costs 244 232 Prepaid expenses and other current assets 273 255 Total current assets 9,078 9,939 Property and equipment, net 1,263 1,234 Operating lease right-of-use assets 335 289 Deferred costs, noncurrent 490 509 Acquisition-related intangible assets, net 383 233 Deferred tax assets 1,031 1,065 Goodwill 3,479 2,846 Other assets 365 337 Total assets $ 16,424 $ 16,452 Liabilities and stockholders' equity Current liabilities: Accounts payable $ 74 $ 78 Accrued expenses and other current liabilities 323 287 Accrued compensation 476 544 Unearned revenue 3,447 4,057 Operating lease liabilities 102 89 Total current liabilities 4,422 5,055 Debt, noncurrent 2,983 2,980 Unearned revenue, noncurrent 64 70 Operating lease liabilities, noncurrent 278 227 Other liabilities 53 38 Total liabilities 7,800 8,370 Stockholders' equity: Common stock 0 0 Additional paid-in capital 11,115 10,400 Treasury stock (1,208) (608) Accumulated other comprehensive income (loss) 16 21 Accumulated deficit (1,299) (1,731) Total stockholders' equity 8,624 8,082 Total liabilities and stockholders' equity $ 16,424 $ 16,452 Workday, Inc. Condensed Consolidated Statements of Operations (in millions, except number of shares which are reflected in thousands and per share data) (unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Revenues: Subscription services $ 1,959 $ 1,691 $ 5,678 $ 4,843 Professional services 201 175 557 494 Total revenues 2,160 1,866 6,235 5,337 Costs and expenses (1) : Costs of subscription services 329 264 924 759 Costs of professional services 201 181 606 552 Product development 647 619 1,952 1,829 Sales and marketing 620 538 1,804 1,581 General and administrative 198 176 609 512 Total costs and expenses 1,995 1,778 5,895 5,233 Operating income (loss) 165 88 340 104 Other income (expense), net 62 41 178 114 Income (loss) before provision for (benefit from) income taxes 227 129 518 218 Provision for (benefit from) income taxes 34 15 86 25 Net income (loss) $ 193 $ 114 $ 432 $ 193 Net income (loss) per share, basic $ 0.73 $ 0.43 $ 1.63 $ 0.74 Net income (loss) per share, diluted $ 0.72 $ 0.43 $ 1.61 $ 0.73 Weighted-average shares used to compute net income (loss) per share, basic 265,411 262,153 265,062 260,747 Weighted-average shares used to compute net income (loss) per share, diluted 268,549 266,377 268,936 264,087 (1) Costs and expenses include share-based compensation expenses as follows: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Costs of subscription services $ 35 $ 30 $ 108 $ 90 Costs of professional services 28 29 86 87 Product development 162 162 498 494 Sales and marketing 78 65 226 212 General and administrative 65 63 204 188 Total share-based compensation expenses $ 368 $ 349 $ 1,122 $ 1,071 Workday, Inc. Condensed Consolidated Statements of Cash Flows (in millions) (unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Cash flows from operating activities: Net income (loss) $ 193 $ 114 $ 432 $ 193 Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
The Cincinnati Bearcats men's basketball team has gotten off to a fast start this season in more ways than one. The No. 16 Bearcats have raced to a 5-0 record while outscoring their opponents by more than 31 points per game, with just one team (Northern Kentucky) coming within 16 points. Cincinnati is averaging a robust 87 points per game with one of the more efficient offenses in college basketball. Cincinnati will look to continue that hot streak when it plays host to Alabama State in nonconference action Wednesday evening. Cincinnati has punished opposing defenses in a variety of ways this season. Despite being the No. 14 offense in the nation in Ken Pomeroy's efficiency ratings, the Bearcats aren't among the nation's leaders in pace. Still, they take advantage of those opportunities when they are there. "Us playing fast is something we want to do," Cincinnati forward Dillon Mitchell said. "When I was being recruited here, that was something Coach (Wes) Miller wanted to do. "There could be games where we're not making shots or something is off, but one thing is we're gonna push the ball, play hard and play fast. That's something he preaches. We'll be in shape and get rebounds." Mitchell is fresh off a double-double with 14 points and 11 rebounds in Cincinnati's 81-58 road win at Georgia Tech Saturday. He is one of four Bearcats to average double figures in scoring this season. That balance was on display once again against the Yellow Jackets, with Connor Hickman and Jizzle James also scoring 14 points each and Simas Lukosius contributing 12 points. In that game, Cincinnati sank 51.6 percent of its shots while regularly getting out into transition with 16 fastbreak points, while winning the rebounding battle 36-29. "Any time you get a road win over a quality, Power 4 team, you're gonna feel good about it," Miller said. "I was pleased with our effort." Lukosius is scoring 16.6 points per game, while James is at 14.0 points, followed by Mitchell at 12.4, while he also grabs a team-best 8.6 rebounds. Alabama State (3-3) has a tough task ahead, especially when considering its 97-78 loss at Akron Sunday, which ended a three-game winning streak. The Hornets allowed the Zips to shoot 46.4 percent from the field and were 53-32 in the rebounding battle. Alabama State gave up a season high in points, after playing the likes of LSU and UNLV earlier this season. Akron standout Nate Johnson lit up Alabama State for 25 points, as the game got away from the Hornets in the second half to keep them winless in true road games. Alabama leading scorers CJ Hines and TJ Madlock still got theirs against Akron, scoring 19 and 17 points, respectively. They were joined in double figures by reserve Tyler Mack (18 points), but recent history says they'll need more help to keep up with the Bearcats. Hines leads the Hornets with 15.7 points per game, while Madlock contributes 14.5 points. In previous Akron Basketball Classic wins last week against Omaha and Lamar, Alabama State featured at least four double-digit scorers in each game. --Field Level MediaNone
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Authored by Philip Wegmann via RealClearPolitics , In the spring, James Blair, political director for the Trump campaign, called a meeting in West Palm Beach. The occasion: Marc Elias had changed the world. It was Elias who had petitioned the Federal Election Commission at the beginning of the year to allow a George Soros-funded political action committee to coordinate with campaigns. And the Democratic super lawyer had won. A nine-page advisory opinion followed in March. For the first time, the FEC ruled that federal candidates could coordinate with outside organizations. And now politics would change forever. Blair sensed opportunity. All he had to do, the reason he gathered the most loyal MAGA captains of the biggest grassroots armies around a conference table inside Trump campaign headquarters last April, was convince them to accept a little heresy. The political director had to teach them to love the mail-in ballot. Trump had taught his base to hate mail balloting, a practice he blamed for his loss in 2020. Now Blair was urging the former president’s most faithful followers to embrace what was previously verboten. According to sources inside the room that day, the conversion did not go smoothly. Charlie Kirk, founder of Turning Point USA, balked. A confidant of the Trump family, Kirk and his lieutenant Tyler Bowyer were allegedly “horrified” by the idea of pushing absentee ballots for fear of alienating MAGA diehards . Ned Ryun, CEO of American Majority Action, insisted absentee ballots were half the battle, arguing that Republican hopes would languish in long lines on Election Day without them. One source described the mood that day as “snippy.” Turning Point spokesman Andrew Kolvet dismissed that characterization and told RealClearPolitics the organization was making plans as early as 2022 to “hammer home” the early vote. “ There were skeptics ,” Blair said in retrospect. Without singling anyone out, he told RCP that “less sophisticated” operatives on the right still subscribed to “this theory that ‘well, if the votes come in early, then [Democrats] know how many they need to cheat.’” His counter-argument as he showed the grassroots the math: “No, once a vote is banked, that’s good.” This was easier said than done, as Trump had hardwired a deep distrust into the minds of millions of Republicans by arguing that anything other than same-day voting was synonymous with fraud. “We have to get rid of mail-in ballots,” Trump said during his January victory speech after winning the Iowa caucuses. As he began his easy march through the GOP primary field, Trump added, “Once you have mail-in ballots, you have crooked elections.” Data alone would not be enough to convince the base to abandon that belief. Only Trump could change their minds. “He had to create the permission structure for his voters,” Blair explained, “which is that voting early, whether by mail or in person, can be a pathway to victory, not to defeat.” Clearing a primary field of Republican challengers too afraid to attack him was one thing. Unseating an incumbent president would be another. Enter Susie Wiles. She came from Florida, just like Blair, where Republicans had built majorities for decades despite being outnumbered by Democrats on registered voter rolls. As campaign co-chair, she had just helped Trump brush aside the primary challenge of Florida’s own governor. Then Wiles looked to the general election, directing Blair to draft a memo outlining a new Trump way to win. In short, they planned to export the Florida model. They laid out the data, pointed to successful case studies, and ran sophisticated election simulations. But the final argument that changed Trump’s mind? “Look, sir,” the former president was told, according to sources familiar with the discussions, “people are really excited to vote for you, and they want to vote for you as soon as they have the chance to vote.” On the evening of April 19, in characteristic all caps, Trump did something very uncharacteristic: He reversed himself and blessed the mail ballot. Wrote the former president on his social media website Truth Social: ABSENTEE VOTING, EARLY VOTING, AND ELECTION DAY VOTING ARE ALL GOOD OPTIONS. REPUBLICANS MUST MAKE A PLAN, REGISTER, AND VOTE! Once the green light was given, the Trump machine kicked into another gear. They would still drive turnout on Election Day, but they would work just as hard to bank votes in advance. This has an obvious tactical advantage. Every supporter who cast their ballot early represented one less voter the campaign had to spend time and resources on getting to the polls on November 5. All campaigns do this. But the FEC decision that allowed federal candidates to coordinate with outside groups, the one ushered in by liberal lawyer Marc Elias, turbocharged everything. Tim Saler, chief data consultant for the Trump campaign, took full advantage. Saler was the analytical brain behind the GOP’s ground game juggernaut. Despite all the massive reporting from the Associated Press to the New York Times suggesting the opposite, he insisted in an interview with RCP that Trump actually had one. “It was not outsourced at all,” Saler said of the get-out-the-vote apparatus. “It was coordinated.” Flashback to Florida. Many of the groups inside Trump headquarters, almost a dozen in total, were already planning their own canvassing programs. Some had more experience than others. Turn Out for America, a political action committee bankrolled by conservative billionaire Dick Uihlein, was on board from the beginning and widely considered among Trump operatives as “the gold standard.” American Majority Action, Ryun’s group, had just run two pilot programs the year before, one in Louisiana and another in Virginia. Ryun was convinced Republicans could win by banking votes. “We had faith in what they did,” said a source with direct knowledge of the Trump operation. The newest addition: Turning Point Action. Kirk and Bowers leveraged their influence with millions of conservative students to create a turnout machine. “Turning Point will just need to keep evolving,” a Trump operative said of the newest edition while stressing that their efforts were welcome and helpful. America PAC, the Elon Musk upstart that would eclipse all the rest in spending, would come later. Saler loves them all and says each did good work. Ahead of Election Day, the first order of business was making sure the assorted groups “did no harm.” Under the new FEC paradigm, and for the first time, the campaign could communicate priorities, coordinate strategy, and share best tactics. Hence the second priority discussed at the West Palm Beach meeting: A data-sharing agreement. “ There was a real misnomer, or just a false attack, that we didn’t have a field program ,” Saler said of the idea “that our field program had been farmed out.” The campaign already had in-house volunteers, a program called Trump Force 47, that fanned out to all 50 states and knocked on millions of doors on its own. What the new coordination rules provided for was the creation of the outside armies fanning out to each of the seven battleground states in search of the all-important low-propensity voter. “The president’s coalition is more rural, lower propensity, and more down scale,” Saler explained. “ Think a 35-year-old man who turns a wrench in small-town, central Wisconsin, who never engages face-to-face with anybody in politics .” To turn out a coalition like no other, Saler had to assemble an apparatus like no other. The campaign would be at the center. They shared targeting priorities with the outside groups, who then sent their people into the field to find and identify Trump voters, building a real-time data loop. They didn’t just go where other GOP presidential campaigns had been in years past. Because of the new canvassing rules, Trump HQ could send outside groups, not just to big population centers, but door to door even in the most rural areas . On front porches, outside grocery stores, and everywhere in between, canvassers sought out the MAGA faithful, registered them to vote, and pushed them to do it early. “The president is a unique character in American history; He is the champion of the forgotten man and woman,” Saler said before adding that the campaign was just as unique. “ We also didn’t forget them .” In the moment, though, skepticism abounded. Some Republicans, many of them on the outside looking in, questioned the wisdom of relying so heavily on mercenary doorknockers ahead of what was sure to be a make-or-break election. Even Ben Shapiro was worried. In an October interview, Shapiro warned the former president that he was hearing mixed reviews about the ground game. Was his campaign up to the job? Trump avoided the question. In the final stretch, no one had a definitive answer. A team of rivals, meanwhile, was working on his behalf in pursuit of low-propensity voters. A staple on the college circuit, Kirk focused on the youth vote while directing his organization’s political arm, Turning Point Action, to decamp from campus and field an army of more than a thousand paid doorknockers across each of the swing states in pursuit of low-propensity voters overall. A spokesman denied that there was any hesitation about registering voters for absentee ballots. Instead, the organization modeled its early-vote strategy off of the Democratic playbook while making accommodations for lingering concerns over mail-in ballots. The emphasis was on early voting, but if a voter preferred to cast their ballot in person on Election Day, the organization was ready to drive them to the polls. Explained Turning Point spokesman Andrew Kolvet, “We only care about getting ballots in the box.” At times, the organization took “low propensity” to the extreme. Scott Presler, a conservative activist who partnered with Turning Point in Pennsylvania, courted a normally apolitical and untapped constituency: the Amish. That community’s aversion to politics wasn’t the chief obstacle. It was the calendar. “Get this,” he told RCP, “Amish get married on Tuesdays in November.” Otherwise, they generally match the voter profile of a normal social conservative, he reported. Armed with that information, Presler parachuted into rural farming communities west of Philadelphia and north of Pittsburgh with absentee and mail-in ballot applications. While Turning Point and their partners earned praise for that kind of innovation, elsewhere, some questioned the efficiency of their organization. One Turning Point intern attracted online criticism when he bragged in a social media post that he knocked on just 500 doors over the course of nine weeks, a seemingly low number. Another paid Turning Point Action employee, currently under contract in Wisconsin through November, told RCP that management had set a daily goal of just 10 voter contacts. “ We set out on a mission to chase low-prop and first-time voters across the country, ” Kirk wrote in a social media post the week after the election. Across four states (Arizona, Michigan, Nevada, and Wisconsin), according to their internal numbers, Turning Point Action had helped no less than 300,000 low-propensity voters cast their votes. “Mission accomplished,” he wrote. American Majority Action took a more traditional approach with Ryun at the helm. The hard-nosed operative, who helped former Wisconsin Gov. Scott Walker become just the second state executive to survive a recall 13 years prior, had raised and deployed as many grassroots armies in the time since. The difference this time? Ever since the “Red Wave” fizzled in the 2022 midterms, Ryun had been on a one-man crusade to force Republicans to embrace absentee and early voting in earnest. After running two successful pilot programs in state races, he was convinced the GOP could take the approach national. Trump supporters would learn to love the mail-in ballot, he was convinced, once they won with it. Toward that end, American Majority picked four targets: Arizona, Nevada, North Carolina, and Wisconsin. They hired 1,600 staff, drilling into each canvasser two numbers: Seven and nine. Between seven and nine is how many times a single low-propensity voter, on average, must be contacted before they will return a mail-in ballot. A blunt Ryun calls it “targeted harassment.” According to an after-action report, the group made more than 11 million phone calls in support of Trump and sent just shy of four million texts to voters in each of their four target states. They knocked on nearly 2 million doors. On the eve of the election, Ryun wrote in an op-ed for “American Greatness” that Republicans had experienced their fair share of growing pains. It would take time for the GOP to catch up to Democrats on the early voting front, but overall, the conservative movement earned a passing grade: “A solid B to B+ level with lots of room for growth.” America PAC was the last big group to arrive. Elon Musk endorsed Trump after the first assassination attempt, and while Republicans welcomed the many millions of dollars from the world’s richest man, the political novice attracted his fair share of scrutiny. His group planned to compete in all seven battleground states. They initially hired just a handful of vendors to execute a one-size-fits-all, top-down strategy. By the end of the summer, though, Musk fired his initial team and hired Genera Peck and Phil Cox, veterans of the defunct DeSantis campaign, to put together a national plan with individual directors in each of the battleground states. They took a tailored approach, and by the end, Musk lent his celebrity to the Pennsylvania campaign, a state he often told voters was the key to the whole election. His group spent north of $200 million, a deep war chest that lent itself to sending canvassers nearly everywhere. The scope of all of this was relatively new territory. Few national, grassroots organizations previously had the resources and expertise to chase votes across multiple states concurrently. Each additional battleground added another level of complexity and difficulty. But it wasn’t all top-down. A patchwork of groups supplemented the work in the individual swing states. Motivated by the frustration that the right had “yielded voter registration to the left,” former Georgia Sen. Kelly Loeffler launched “ Greater Georgia ” in the Peach State. The group identified tens of thousands of conservative Georgians and helped get them registered to vote. Another state-specific get-out-the-vote engine to the north: PA Chase. Founded by Cliff Maloney, that organization canvassed throughout Pennsylvania in search of low-propensity voters in need of a mail-in ballot. “We’re finally catching up to the Democrats,” Maloney said of his efforts before Election Day. “This is straight out of their playbook, right? In this way, the Trump campaign and its allies chased the low-propensity voter. And it worked. He not only swept each swing state on his way to becoming just the second president in history to win non-consecutive terms, but Trump also won the popular vote, something Republicans haven’t achieved since 2004. Said Saler of the electorate that returned the former and future president to the Oval Office, “He created them.” Many were first-time voters. Some voted only for him. Now every Republican operative involved in planning for the midterms and the next general election is focused on one question: How to keep these voters in the GOP fold? It will likely include a heavy emphasis on the early vote. Trump World, even in victory, sees the mail-in ballot as a pragmatic necessity, not an ideal way to vote . “Look, they’re not perfect, and if we could just do away with them, we probably would, but that’s not the world we live in,” Blair said. “They exist. So, it is what it is.” For his part, Ryun has become their biggest apostle of early voting and the mail-in ballot. After Republicans won big, he isn’t in a hurry to see the GOP set them aside. “I’m telling you, this works, and this should be our game planning forward,” he said, before adding that a more pressing question for the right was discerning which groups did real work and which did little more than gobble up donor dollars. “There are some vaporware organizations, like Turning Point, that I’m afraid were not as effective as they could have been because they were on a journey of self-discovery in politics,” Ryun said. “My concern for the future is, how do we make sure that some of these voters who turned out for Trump-only become consistent Republican voters.” A Turning Point spokesman dismissed that criticism. Said Kolvet, “We’re not in the business of getting down in the mud.” The results, he said, speak for themselves. “The campaign, which knows the data and accomplishments well, knows how successful our program was,” the spokesman concluded. Republicans will have their work cut out for them in the midterms. They have historically underperformed whenever Trump is not on the ballot. The coordination between federal candidates and outside groups – that the FEC allowed at the insistence of Democrats like Elias – will not change. It was central to a Trump victory. “Thank you, Marc,” quipped Saler, the Trump data consultant who helped engineer the former, and future, president’s comeback. “We appreciate you.”None
KOZHIKODE: Chief Minister Pinarayi Vijayan reiterated his criticism against Indian Union Muslim League (IUML) State president Syed Sadikali Shihab Thangal. Justifying his statement, Pinarayi said his criticism against Thangal was political and had no other shades. The Chief Minister was speaking after inaugurating the Kozhikode South CPM Area Committee office. Pinarayi Vijayan: “Congress party abetted in the demolition of Babri Masjid. At that time the League was with the Congress in the Kerala Cabinet. Despite Congress aiding the demolition, League didn’t utter a word and showed no resistance. They were afraid of losing power in the Kerala cabinet. And now, they have transformed into such a pity stage of doing any unscrupulous act to hang on to power. The league is now providing shelter to SDPI and Jamaat-e-Islami Hind. UDF propagated the by-polls to be the verdict of the government's performance. So then let us discuss Chelakkara. LDF won big while UDF’s Ramya even failed to amass the vote she got during the LS polls. The by-polls did nothing to hurt LDF. BJP meanwhile got battered by the Palakkad result. Their vote share plummeted by a large. The by-poll results serve as an encouragement for LDF as we worked well and even increased the vote percentage in all constituencies.”OTTAWA - Canada’s financial intelligence agency says it is modernizing with the aim of providing valuable information to police and security officials in real time — or as close to that goal as it can get. In its newly released annual report, the Financial Transactions and Reports Analysis Centre of Canada says it is working with businesses and federal partners to move more quickly in the fight against money laundering and terrorist financing. The agency, known as Fintrac, identifies money linked to illicit activities by electronically sifting millions of pieces of information each year from banks, insurance companies, money services businesses, real-estate brokers, casinos and others. In turn, it discloses intelligence to police and security agencies about the suspected cases. In 2023-24, Fintrac produced more than 4,600 financial intelligence disclosure packages for recipients including the RCMP, municipal and provincial police, the Canada Border Services Agency and the Canada Revenue Agency. In a message in the report, Fintrac director Sarah Paquet says the agency aims to harness modern skills, tools and technologies to analyze data and produce intelligence in real time. Paquet said such swiftness could be a game-changer, for example, in the agency’s efforts to track financial transactions related to human trafficking for sexual exploitation. “It will allow us to proactively identify and assist law enforcement in disrupting networks much quicker,” she said. “This will mean rescuing victims sooner, saving them from prolonged abuse. It will mean supporting survivors sooner, getting them the assistance they need in a more timely fashion. And it will help law enforcement target, arrest and charge the traffickers sooner, preventing the abuse of new victims.” Fintrac’s digital strategy includes advancing automation, analytics and the use of artificial intelligence, Paquet said. In a bid to “stay ahead of the bad actors,” Fintrac has created a digital acceleration and modernization team “to experiment with, and exploit, the latest technologies.” Transnational organized crime groups and professional money launderers are the most prominent threats to Canada when it comes to illicit cash transactions, the report said. “At the same time, while the threat of terrorist financing is not as pronounced in Canada as it is in other regions of the world, there are networks operating in our country that are suspected of raising, collecting and transmitting funds abroad to various terrorist groups.” This report by The Canadian Press was first published Nov. 26, 2024.
Black Friday is just days away. But if you can't wait until sales officially kick off to upgrade or replace your TV , you can find some incredible early holiday deals at Amazon , Best Buy , and Walmart . You'll find great discounts from brands like Sony , LG , TCL , and Hisense on everything from high-end OLED models to entry-level smart TVs for college dorms and first apartments. Also: The best Black Friday deals live now I've spent years testing TVs at ZDNET , and am constantly looking out for the best deals and discounts from top brands, particularly around the holidays. To help you find the very best Black Friday TV deals, I put together a list of discounts and markdowns I've found at trusted retailers and directly from the brands themselves. Keep reading below to find out just how much you can save on a new TV, plus a few extras to round out your home theater. 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LG G4 OLED 83-inch for $5,000 (save $800 at Amazon): LG's flagship, premium-grade OLED TV features adaptive brightness, Dolby Vision HDR, a dedicated filmmaker mode, and an updated, sleek design. LG Class 85 QNED 86-inch for $1,000 (save $500 at Best Buy): This mid-range big-screen offers a 120Hz refresh rate, HDR10 support, and AMD FreeSync VRR for console gaming. Black Friday 2024 Samsung TV deals Samsung QNX1D 85-inch for $1,750 (save $2,250, Only available at Samsung): A refresh to Samsung's flagship QLED line with object tracking sound, adaptive audio, and AMD FreeSync Premium Pro VRR. Samsung QE1D 65-inch for $680 (save $620, Only available at Samsung): A mid-range QLED with object tracking sound and a Pantone Validated panel for lifelike colors and contrast. Samsung Crystal DU9000 98-inch for $2,500 (save $1,500): One of the most affordable cinema-class TVs on the market features a 120Hz refresh rate, object tracking sound, and built-in voice controls. Black Friday 2024 TV deals: Discounts from top retailers TCL Q68 85-inch for $1,000 (save $500): A great mid-range TV with Dolby Vision and Dolby Atmos support, a 120Hz max refresh rate, and built-in voice controls. LG QNED85T 75-inch for $1,000 (save $250): A great mid-range LED TV from LG with a 120Hz refresh rate, HDR10 support, and VRR support for both AMD FreeSync Premium and Nvidia G-Sync. Samsung The Frame 55-inch for $1,000 (save $500): A gallery-inspired TV from Samsung with dedicated art mode, anti-glare matte screen, and built-in voice controls. Sony X90L 98-inch for $5,000 (save $3,000): A cinema-sized TV with Dolby Vision HDR support, exclusive VRR features for the PS5, and 120Hz refresh rate. Hisense U6N 65-inch for $500 (save $200): This mid-range TV from Hisense supports both Dolby Atmos and Dolby Vision, has a 60Hz refresh rate, and Bluetooth connectivity. Hisense U7 75-inch for $900 (save $500): A premium TV with Dolby Vision IQ HDR, Dolby Atmos virtual surround sound, a 144Hz refresh rate, and VRR support for console gaming. Amazon Fire TV Stick 4K for $22 (save $28): Turn any TV into a streaming hub with this HDMI device. It supports Wi-Fi 6 for stable connectivity and thousands of streaming apps. Roku Express for $20 (save $10): A simplified streaming box with access to thousands of popular apps like Netflix, Prime Video, and Disney+. SunBrite Veranda 3 55-inch for $2,000 (save $900): An outdoor TV rated for full shade with up to 1,000 nits of brightness, 4K resolution, and the Google TV platform. Hisense S7N 55-inch for $700 (save $300): A gallery-inspired QLED TV with a dedicated art slideshow mode, 144Hz refresh rate, and built-in 2.0.2CH surround sound. Amazon Fire TV Omni 75-inch for $700 (save $3580): Amazon's mid-range smart TV offers Dolby Vision HDR, built-in Alexa voice controls, and Dolby Digital Plus audio. Samsung Q60D 55-inch for $500 (save $300): Samsung's mid-range QLED TV offers object tracking sound, dedicated gaming hub with cloud gaming support, and a Pantone Validated screen for color accuracy. Roku Select 65-inch for $350 (save $100): Roku's mid-grade smart TV offers 4K resolution, 60Hz refresh rate, and automatic brightness adjustment. Roku Ultra for $79 (save $21): A 4K streaming box that can turn any TV into a smart TV with Dolby Vision and Dolby Atmos support, Bluetooth connectivity, and Wi-Fi 6 support. Samsung QN90D 65-inch for $1,500 (save $800): Samsung's flagship QLED TV offers object tracking sound, built-in voice controls, and a 120Hz refresh rate. Amazon Fire TV Omni Mini-LED 65-inch for $920 (save $170): Amazon's flagship TV offers an excellent picture with Dolby Vision HDR support, a 144Hz max refresh rate, and Dolby Atmos virtual surround sound. Samsung Class Q80D 85-inch TV : $1,748 (save $650): The popular Q80D series Samsung smart TV features QLED technology and up to 120Hz refresh rate. Samsung Class Q60D 65-inch TV : $698 (save $100): This QLED Samsung TV offers a vibrant image and up to 4K resolution. Samsung The Frame 65-inch TV : $1,298 (save $700): Samsung's popular The Frame QLED TV delivers beautiful 4K resolution images while doubling as a work of art when not in use. LG StanbyME Go portable TV : $799 (save $400): Yes, LG made a briefcase smart TV that you can take anywhere. At 27 inches, it's a full HD TV with WebOS and the portability to watch it in your backyard or while tailgating. Vizio 2.1 soundbar : $99 (save $30): This Vizio all-in-one soundbar supports Dolby Atmos and DTS. Vizio Elevate SE soundbar : $399 (save $100): This Vizio 5.1.2 channel soundbar boasts Bluetooth support, Dolby Atmos, and 3D spatial audio. Hisense R6 75-inch for $498 (save $200): A budget-friendly big-screen TV with Dolby Vision and DTS Studio Sound, a dedicated gaming mode, and the Roku TV platform for streaming. Samsung QN90C 75-inch for $1,698 (save $1,601): The previous iteration of Samsung's flagship QLED TV still has a lot to offer with object tracking sound, a dedicated gaming hub, and 120Hz refresh rate. Samsung The Terrace 65-inch for $2,974 (save $2,025): This outdoor TV is rated for partial sun exposure, making it perfect for covered patios and decks. Sylvox 55-inch outdoor TV for $1,349 (save $800): A waterproof TV designed for partial sun exposure, making it perfect for covered patios and enclosed porches. Roku Pro Series 55-inch for $600 (save $300): A mid-range smart TV from Roku with access to thousands of streaming apps like Netflix, Hulu, and Disney+. Samsung QN900C 65-inch for $2,788 (save $2,211): Samsung's previous iteration of their flagship 8K TV, which gives you four times the resolution as a 4K model and 16 times that of a 1080p HD TV. Hisense U7N 100-inch for $1,798 (save $1,200): A cinema-sized smart TV with a 144Hz refresh rate, Dolby Vision HDR, and Dolby Atmos virtual surround sound. Sony Bravia X93L 75-inch for $1,598 (save $900): A big-screen Mini-LED TV with a 120Hz refresh rate and VRR support for console gaming, Dolby Atmos virtual surround sound support, and exclusive features for gaming on the PlayStation 5. Sony Bravia A80L OLED 83-inch for $4,000 (save $800): With a 120Hz refresh rate and support for both Dolby Vision and Dolby Atmos, you'll get a cinema-quality experience in the comfort of your own living room. Samsung DU6950 75-inch for $550 (save $200): A budget-friendly big-screen TV with 4K resolution, a 60Hz refresh rate, and built-in voice controls. LG NanoCell 75 65-inch for $480 (save $420): A great mid-range LED model from LG with 4K resolution, dynamic tone mapping, and a 60Hz refresh rate. LG Class 99 8K 75-inch for $2,300 (save $1,200): This TV gives you 8K resolution, which is four times the detailing of 4K, and 16 times that of 1080p. Hisense U7 75-inch for $900 (save $600): A great mid-range TV with the Google TV platform for access to thousands of streaming apps and a 144Hz refresh rate. Hisense QD5 65-inch for $330 (save $170): A budget-friendly QLED from Hisense with Dolby Vision HDR, an automatic low-latency mode for console gaming, and voice-enabled remote. Hisense QD6 75-inch for $450 (save $250): A budget-friendly big-screen with an updated QLED panel for better color and contrast as well as Dolby Vision HDR support. Hisense U6 75-inch for $650 (save $550): The Hisense U6 supports both Dolby Vision and Dolby Atmos, AMD FreeSync VRR, Wi-Fi 6, and both Chromecast and Apple AirPlay. Roku Pro 75-inch for $1,000 (save $700): Roku's own flagship TV has a 120Hz refresh rate, Dolby Vision and Dolby Atmos support, and a QLED panel for more lifelike colors and contrast. Hisense L9H laser projector with 100-inch screen for $3,000 (save $2,500): An ultra-short throw laser projector with an included screen, Dolby Vision and Atmos support, 4K resolution, and a 3000 lumen lamp. Roku Plus 75-inch for $750 (save $150): An affordable big-screen TV that uses the Roku platform to give you access to thousands of streaming apps, integrated voice controls, and live TV. Furrion Aurora 55-inch for $1,200 (save $800): This ruggedized outdoor TV is rated for full shade, making it perfect for covered patios and enclosed porches or 3-season rooms. LG UT90 98-inch for $2,500 (save $1,500): A simplified smart TV with a 120Hz refresh rate, HDR10 support, and 4K resolution. Hisense A6 85-inch for $700 (save $300): A budget-friendly big-screen TV that uses the Google platform to give you access to popular streaming apps, integrated voice controls, and Dolby Vision HDR support. Insignia F30 58-inch for $250 (save $130): A simple smart TV with 4K resolution, HDR10 support, and a 60Hz refresh rate. Samsung S84D 77-inch OLED for $1,600 (save $1,700): This Best Buy-exclusive OLED is one of Samsung's more budget-friendly versions, offering signature OLED picture quality, excellent sound, and tons of smart features for a more affordable price. Black Friday 2024 home audio deals Samsung HW-Q850D for $600 (save $500 at Best Buy): A high-end home theater system with Dolby Atmos support, 7.1.2CH audio, and an HDR10+ passthrough. LG S95TR for $1,000 (save $500 at Best Buy): LG's premium home audio system features Dolby Atmos support, a wireless subwoofer, and Bluetooth connectivity. Roku Streambar SE for $70 (save $30 at Best Buy): A 2-in-1 streaming box and soundbar that gives you access to thousands of popular apps and boosts dialogue. JBL Bar 9.1 for $570 (save $630 at Amazon): A high-quality home audio system with a wireless subwoofer, dedicated satellite speakers, and a 4K Dolby Vision passthrough. FAQs Black Friday is the day after Thanksgiving in the US. This year, it falls on Nov. 29, 2024. They absolutely can be! Televisions are one of the few electronics categories that offers regular, predictable sale seasons throughout the calendar year. With Black Friday being one of the most prominent. Big brands like Sony, LG, and Samsung usually have their biggest discounts during the holiday shopping season, but it's not uncommon to also find summer sales on high-end TVs as well as budget-friendly models from TCL and Hisense. In terms of which day will have the best TV deals, in the past, we've seen TVs typically have the better deals on Black Friday. Since prices fluctuate throughout the long weekend, if you see a big drop, we'd recommend picking it up quickly before it goes out of stock. You can check sites like CamelCamelCamel to see price histories. Black Friday is prime time for scammers and resellers. Each deal on this list has been vetted as being sold and shipped by reliable retailers like Amazon, Best Buy, and Walmart. I've also avoided ultra-budget brands like Onn and Vizio, as the discounts are negligible at the time of writing, and these brands don't offer the same quality TVs as even TCL or Hisense. ZDNET's resident TV experts have tested and researched dozens of models from just as many brands, and we all agree that the Samsung S95D OLED is the best TV you can buy right now. With an updated OLED panel for a more lifelike picture, a 120Hz refresh rate, object tracking sound, and a dedicated gaming dashboard with cloud gaming support. Based on the OLED TVs we've tested , we've found that they offer better picture quality, including higher contrast, truer color accuracy, and deeper blacks than QLEDs. However, what works best for you might depend on your viewing environment and individual needs. For more details and advice on how to choose which is right for you, check out our full OLED vs. QLED explainer . Once you've hammered out a budget for your next TV, there are a few other important factors to consider: Brand integrity: It's tempting to pick up that ultra-cheap TV during a sale event from a no-name brand. But you may end up paying more to replace it in a few years (or months) if it was built with cheap components or stops receiving over-the-air firmware updates. No matter which brand of TV you choose, make sure that the company offers industry standard return and exchange policies as well as clear options for customer service. Smart features: Not all smart TVs are created equal, with premium options from brands like LG and Sony offering OLED panels for incredible picture quality as well as quality of life features like built-in voice controls and pre-loaded suites of streaming apps. Make sure the TV you have your eye on has all of the smart features you need to keep up with your favorite shows and movies. Reasons to upgrade: It seems like every year TV brands refresh their model line-ups. Sometimes those refreshes introduce cool new options like Samsung's object tracking sound and cloud gaming support. Others are more subtle upgrades like improved QLED panels and speakers or new app support. Before you drop a whole paycheck on a new TV, make sure it offers enough reasons to upgrade to make it worth the price. 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NoneTo the stalwart seniors reviewing their Medicare coverage this fall: Godspeed. The open-enrollment process has become so convoluted that almost 70 percent of beneficiaries don’t bother to compare their options. Many are opting to migrate to Medicare Advantage, a simpler, privately run alternative paid for by the government. By 2034, more than 60 percent of seniors will be enrolled, up from about half today. The popularity of Medicare Advantage would be good news if not for its exorbitant cost. The government spends 22 percent more on Medicare Advantage beneficiaries than similar enrollees in the traditional program, amounting to $83 billion annually. Medicare Advantage beneficiaries, in return, enjoy more streamlined coverage and generous benefits while paying little or nothing in premiums. Unfortunately, Medicare’s fiscal state doesn’t leave much room for such extravagance. Its main trust fund is slated for insolvency by 2036. Total expenditures reached $1 trillion last year — some 16 percent of the federal budget — up from $575 billion a decade earlier. The demographics are similarly unfavorable: As the population ages, fewer workers will fund the program through payroll taxes. Demand for costly new medicines and technologies, meanwhile, is only rising. Lawmakers have taken steps to rein in Medicare Advantage spending, including a practice known as upcoding, which inflates insurer payments. They’re also increasing scrutiny of care denials. Yet little’s been done to address the deficiencies in the traditional program that have spurred the flight to Medicare Advantage. Medicare, the federal health plan for seniors, was created in 1965. It started with Parts A and B for hospital and doctor services. Over time, Congress added and standardized supplemental benefits, including Part D for prescription drugs and Medigap, which helps seniors cover out-of-pocket expenses. Both are optional and run by commercial insurers, though the government helps pay for Part D. (Medigap is financed by premiums.) Medicare Advantage is considered Part C. Each benefit in this patchwork abides by its own rules and imposes different costs. Part A typically has no premium and a high deductible; Part B has a moderate premium and lower deductible, with a 20 percent coinsurance rate for most visits. Neither has an out-of-pocket maximum. The average beneficiary can then choose from 10 Medigap policies and no less than 21 stand-alone Part D plans. Medicare Advantage, by contrast, is a one-stop shop. It bundles hospital and doctor visits and prescription drug coverage with perks such as vision, hearing and dental care, while caps on out-of-pocket spending eliminate the need for Medigap. The trade-off is a more limited provider network and restrictions on care. (Traditional Medicare seldom requires so-called prior authorization, and almost all doctors nationwide participate.) Yet satisfaction scores remain high. The choice between a larger network with higher out-of-pocket costs (Medicare) and a narrower one with lower costs (Medicare Advantage) isn’t always an obvious one for a senior on a fixed budget. And the system’s overriding complexity makes choosing much harder. As things stand, it often amounts to high-stakes guesswork. Restructuring parts of traditional Medicare might help. A single deductible and out-of-pocket maximum for Parts A and B would simplify seniors’ choices and provide more certainty about their costs. A higher deductible in the traditional program would be a reasonable concession for lower premiums, copays and coinsurance, and could lessen the need to purchase Medigap policies. As for Part D, the complexity of adding the privately run program may not outweigh the benefits, as seniors may prefer to keep their choice of plans. A better alternative would be to update the Medicare Plan Finder tool to consolidate pricing information. (The last update — in 2019, for a relatively modest $11 million — predated significant advances in automation and analytics.) Increasing the paltry budget for in-person help, now 85 cents per beneficiary, would also be worthwhile. Simplifying Medicare is no simple task. But it would increase competition, save taxpayers money and protect the solvency of a critical government program. It’s also the right thing to do for the 65 million seniors who currently face a maddening array of ambiguous choices. — Bloomberg NewsMy older brother is a New York Jets fan, and we talk after every Miami Dolphins and Jets game. He couldn’t see the game on Sunday, so he just saw the score and how it went to overtime. He said it looked like a typical Dolphins vs. Jets game. I said, “Yes, it was. The Dolphins should have lost the game on Sunday because the Jets were the better team, but the Jets have stupid coaches, and they bailed the Dolphins out.” I was very disappointed in the Dolphins’ defense on Sunday. They were bad, and yes, they had a 5-yard loss and a sack on back-to-back plays on the final possession. Kendall Fuller was able to get Devante Adams out of bounds to keep time on the clock, but for the most part, the Jets’ offense had its way with the Dolphins. It started up front where the Jets don’t have a very good offensive line, but they ran the ball decently against the Dolphins with two rookie running backs drafted late in the draft. The Dolphins were giving up 4 yards a carry, making you wonder why the Jets didn’t keep running it. The Dolphins were missing a tackle and not getting much push up front. Aaron Rodgers picked apart the Dolphins all day long, throwing his first 300-yard game in over two years. Adams and Garrett Wilson looked like the duo the Jets had been looking for all season. The Dolphins had no answers for them. I feel like the Dolphins have more holes than ever on defense, and they are getting labeled as being soft , and it’s more than justified. The Dolphins don’t set the tone up front and get pushed, especially against good teams, but the Jets aren’t even an average team. Our defensive line lacks physicality as a whole and can’t dominate up front. I knew it would be different this year after losing Christian Wilkins , but the Dolphins banked on 38-year-old Calais Campbell and many guys on one-year contracts. Campbell and Zach Seiler have played well, but the other guys don’t give the effort those guys offer. The Dolphins have to find some younger, bigger, and more physical players to compliment Seiler on the defensive line next year, or we are going to see the same issues upfront. The Dolphins also need better linebackers. Yes, Jordan Brooks has played well but missed some tackles on Sunday. Anthony Walker has provided a little spark after moving on from David Long but has durability issues. The Dolphins need to find an inside linebacker who can run sideline to sideline and make tackles—one who doesn’t take bad angles, over-pursue, and miss the ball carrier. It’s been a while since the Dolphins have had that type of linebacker. Instead, they have had undersized guys who aren’t physical enough against the better teams. How many games this year have we seen the Dolphins miss over ten tackles? Too many. That’s why they were overmatched by the Green Bay Packers, and it cost them the game against the Arizona Cardinals on their final drive to win earlier this year. And the safeties are horrible as a group. Jordan Poyer needs to retire because he can’t play anymore, and it is so clear every time you watch him play. He’s not as fast as he used to be, and he is a liability. Jevon Holland is supposed to be our blue-chip safety for years to come, and his contract is up after the season. Well, I would tell him to take a walk after the season because his play has been uninspiring to say the least. He takes bad angle,s and he and Poyer are constantly having communication issues in the secondary. The Dolphins have to tear down that position as well and more physical ball-hawking safeties. I’m not going to place the blame on defensive coordinator Anthony Weaver because it’s an easy cop-out. I blame the person who put this team together, and that’s general manager Chris Grier. I don’t know why he thought this defense would be good signing older players and a bunch of scrap-free agents to one-year deals. He should have done a better job last offseason. If he returns next year, this team currently has ten draft pick,s and he needs to use at least half of them to rebuild this defense. It needs to get younger, and it needs players that are tough-minded and physical. This group as a whole doesn’t have it. They also need to get faster. I understand the Dolphins went into the season without their top pass rushers from a season ago coming off season-ending injuries, but that’s on Grier for not stocking up the defense better. This side of the ball went through change with free-agent losses, and it needs more change next year. If they don’t, then it’s going to be the same soft defense. You can change the defensive coordinator, but that would be lazy putting lipstick on the pig. If the Dolphins want to shed the soft label on defense, go find more tough-minded players. This article first appeared on Dolphins Talk and was syndicated with permission.None
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