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The future of healthcare: AI-designed drugs, digital twins, and precision medicine
NEW YORK —The New York Department of State’s Division of Consumer Protection is providing tips to help consumers navigate return and refund policies. According to the National Retail Federation, this year’s holiday weekend from Thanksgiving Day through Cyber Monday set record levels for consumer spending. The State of Retail Returns 2024 Report states $743 billion dollars’ worth of merchandise were returned last year. However, policies vary from store to store, making returns and refunds a challenge at times. Consumers should be aware of laws that protect them so they can make informed decisions about holiday returns and understand what to look for when reviewing return and refund policies. “As the holiday shopping season comes to an end, both gift givers and receivers may have changed their minds about what they bought,” Secretary of State Walter T. Mosley said in a news release. “But depending on where you’re returning the items, there may be some limitations. It’s important for consumers to pay attention, prior to purchase, the return and refund policy so you can exchange that item you’ll never use for something you love.” The Division of Consumer Protection offers the following tips to help consumers navigate return and refund policies: Pay Attention to Return Policies: New York State law requires that stores post their refund policies conspicuously – on the item, at the store entrance or on or near the cash register. Retailers must provide a written copy of the store’s return policy when requested. New York State Law does not require retailers to accept returns; however, they must post a conspicuous notice visible to consumers before the point of sale, advising that no returns will be accepted.If the retailer does not post a return policy, the law requires the retailer accept returns of unused, undamaged merchandise within 30 days of the purchase date. The returned item must include a proof of purchase and the refund must be in the form of cash or credit based on the customer’s preference.Understand the Refund Terms: For retailers that allow returns, New York State law does not require refunds to be given in any specific manner. However, it does require the form of the refund – cash, credit or exchange – be clearly disclosed in advance of purchase. Retailers must also disclose any fees associated with the return. If no fee is listed, customers should inquire whether the store imposes a re-stocking fee for returned merchandise and determine prior to purchase if the item can be returned for a refund or only store credit. Retain Any Proofs of Purchase: Consumers should hold on to receipts in the event a product needs to be returned. If purchasing gifts, ask if a gift receipt is available. It is also advised to keep the packaging of an item, along with its confirmation number. Consumers having difficulty obtaining a refund are encouraged to file a complaint with the New York State Division of Consumer Protection. About the New York State Division of Consumer Protection Follow the New York Department of State on Facebook, X and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here. The New York State Division of Consumer Protection provides voluntary mediation between a consumer and a business when a consumer has been unsuccessful at reaching a resolution on their own. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumerprotection. The Division can also be reached via X at @NYSConsumer or Facebook.Jared Birchall, Elon Musk’s money manager and the head of his family office, is listed as the chief executive officer. Jehn Balajadia, a longtime Musk aide who has worked at SpaceX and the Boring Co., is named as an official contact. Related Articles But they’re not connected to Musk’s new technology venture, or the political operation that’s endeared him to Donald Trump. Instead, they’re tied to the billionaire’s new Montessori school outside Bastrop, Texas, called Ad Astra, according to documents filed with state authorities and obtained via a Texas Public Information Act request. The world’s richest person oversees an overlapping empire of six companies — or seven, if you include his political action committee. Alongside rockets, electric cars, brain implants, social media and the next Trump administration, he is increasingly focused on education, spanning preschool to college. One part of his endeavor was revealed last year, when Bloomberg News reported that his foundation had set aside roughly $100 million to create a technology-focused primary and secondary school in Austin, with eventual plans for a university. An additional $137 million in cash and stock was allotted last year, according to the most recent tax filing for the Musk Foundation. Ad Astra is closer to fruition. The state documents show Texas authorities issued an initial permit last month, clearing the way for the center to operate with as many as 21 pupils. Ad Astra’s website says it’s “currently open to all children ages 3 to 9.” The school’s account on X includes job postings for an assistant teacher for preschool and kindergarten and an assistant teacher for students ages 6 to 9. To run the school, Ad Astra is partnering with a company that has experience with billionaires: Xplor Education, which developed Hala Kahiki Montessori school in Lanai, Hawaii, the island 98% owned by Oracle Corp. founder Larry Ellison. Ad Astra sits on a highway outside Bastrop, a bedroom community about 30 miles from Austin and part of a region that’s home to several of Musk’s businesses. On a visit during a recent weekday morning, there was a single Toyota Prius in the parking lot and no one answered the door at the white building with a gray metal roof. The school’s main entrance was blocked by a gate, and there was no sign of any children on the grounds. But what information there is about Ad Astra makes it sound like a fairly typical, if high-end, Montessori preschool. The proposed schedule includes “thematic, STEM-based activities and projects” as well as outdoor play and nap time. A sample snack calendar features carrots and hummus. While Birchall’s and Balajadia’s names appear in the application, it isn’t clear that they’ll have substantive roles at the school once it’s operational. Musk, Birchall and Balajadia didn’t respond to emailed questions. A phone call and email to the school went unanswered. Access to high quality, affordable childcare is a huge issue for working parents across the country, and tends to be an especially vexing problem in rural areas like Bastrop. Many families live in “childcare deserts” where there is either not a facility or there isn’t an available slot. Opening Ad Astra gives Musk a chance to showcase his vision for education, and his support for the hands-on learning and problem solving that are a hallmark of his industrial companies. His public comments about learning frequently overlap with cultural concerns popular among conservatives and the Make America Great Again crowd, often focusing on what he sees as young minds being indoctrinated by teachers spewing left-wing propaganda. He has railed against diversity, equity and inclusion efforts, and in August posted that “a lot of schools are teaching white boys to hate themselves.” Musk’s educational interests dovetail with his new role as Trump’s “first buddy.” The billionaire has pitched a role for himself that he — and now the incoming Trump administration — call “DOGE,” or the Department of Government Efficiency. Though it’s not an actual department, DOGE now posts on X, the social media platform that Musk owns. “The Department of Education spent over $1 billion promoting DEI in America’s schools,” the account posted Dec. 12. Back in Texas, Bastrop is quickly becoming a key Musk point of interest. The Boring Co., his tunneling venture, is based in an unincorporated area there. Across the road, SpaceX produces Starlink satellites at a 500,000-square-foot (46,000-square-meter) facility. Nearby, X is constructing a building for trust and safety workers. Musk employees, as well as the general public, can grab snacks at the Boring Bodega, a convenience store housed within Musk’s Hyperloop Plaza, which also contains a bar, candy shop and hair salon. Ad Astra is just a five-minute drive away. It seems to have been designed with the children of Musk’s employees — if not Musk’s own offspring — in mind. Musk has fathered at least 12 children, six of them in the last five years. “Ad Astra’s mission is to foster curiosity, creativity, and critical thinking in the next generation of problem solvers and builders,” reads the school’s website. A job posting on the website of the Montessori Institute of North Texas says “While their parents support the breakthroughs that expand the realm of human possibility, their children will grow into the next generation of innovators in a way that only authentic Montessori can provide.” The school has hired an executive director, according to documents Bloomberg obtained from Texas Health and Human Services. Ad Astra is located on 40 acres of land, according to the documents, which said a 4,000-square-foot house would be remodeled for the preschool. It isn’t uncommon for entrepreneurs to take an interest in education, according to Bill Gormley, a professor emeritus at the McCourt School of Public Policy at Georgetown University who studies early childhood education. Charles Butt, the chairman of the Texas-based H-E-B grocery chain, has made public education a focus of his philanthropy. Along with other business and community leaders, Butt founded “Raise Your Hand Texas,” which advocates on school funding, teacher workforce and retention issues and fully funding pre-kindergarten. “Musk is not the only entrepreneur to recognize the value of preschool for Texas workers,” Gormley said. “A lot of politicians and business people get enthusiastic about education in general — and preschool in particular — because they salivate at the prospect of a better workforce.” Musk spent much of October actively campaigning for Trump’s presidential effort, becoming the most prolific donor of the election cycle. He poured at least $274 million into political groups in 2024, including $238 million to America PAC, the political action committee he founded. While the vast majority of money raised by America PAC came from Musk himself, it also had support from other donors. Betsy DeVos, who served as education secretary in Trump’s first term, donated $250,000, federal filings show. The Department of Education is already in the new administration’s cross hairs. Trump campaigned on the idea of disbanding the department and dismantling diversity initiatives, and he has also taken aim at transgender rights. “Rather than indoctrinating young people with inappropriate racial, sexual, and political material, which is what we’re doing now, our schools must be totally refocused to prepare our children to succeed in the world of work,” Trump wrote in Agenda 47, his campaign platform. Musk has three children with the musician Grimes and three with Shivon Zilis, who in the past was actively involved at Neuralink, his brain machine interface company. All are under the age of five. Musk took X, his son with Grimes, with him on a recent trip to Capitol Hill. After his visit, he shared a graphic that showed the growth of administrators in America’s public schools since 2000. Musk is a fan of hands-on education. During a Tesla earnings call in 2018, he talked about the need for more electricians as the electric-car maker scaled up the energy side of its business. On the Joe Rogan podcast in 2020, Musk said that “too many smart people go into finance and law.” “I have a lot of respect for people who work with their hands and we need electricians and plumbers and carpenters,” Musk said while campaigning for Trump in Pennsylvania in October. “That’s a lot more important than having incremental political science majors.” Ad Astra’s website says the cost of tuition will be initially subsidized, but in future years “tuition will be in line with local private schools that include an extended day program.” “I do think we need significant reform in education,” Musk said at a separate Trump campaign event. “The priority should be to teach kids skills that they will find useful later in life, and to leave any sort of social propaganda out of the classroom.” ©2024 Bloomberg News. Visit at bloomberg.com. Distributed by Tribune Content Agency, LLC.
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Canted Coil Spring Market 2024 Set for Major Growth Surge Over the Next Decade 12-29-2024 06:57 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: Prudent Markets Canted Coil Spring Market The Canted Coil Spring Market 2024-2023 report provides a comprehensive analysis of Types (Stainless Steel, Hastelloy, Copper Alloy, Others), Application (Medical, Automobile, Aerospace, Others), Analysis of Industry Trends, Growth, and Opportunities, R&D landscape, Data security and privacy concerns Risk Analysis, Pipeline Products, Assumptions, Research Timelines, Secondary Research and Primary Research, Key Insights from Industry Experts, Regional Outlook and Forecast, 2024-2032. 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US consumer spending solid, inflation showing progress as year ends
Fired workers of auto parts company to get helpBrooklyn Rae Silzer has broken her silence on her “General Hospital” exit. The actress, 18, played the character Emma Drake for 13 years before being replaced by Braedyn Bruner, 24. In a social media post shared Monday, the same day Bruner took over the role of Emma on “GH,” Silzer wrote that she is “forever grateful” that she got to work on the daytime series. “A little note to my @GeneralHospital family and fans who have loved me over the years ❤️ B xoxo,” she captioned the post. “To my amazing General Hospital family who have supported me and watched me grow up over the years as Emma I am forever grateful.” “Although sad my time as Emma has come to an end I will cherish all of my memories and friendships made. I am so lucky to have been casted as Emma 13 years ago and to have had the opportunity to grow her character over the years,” she went on. “I am so excited to see how Braedyn takes care of Emma and bring new layers to her character. I am forever thankful for General Hospital and Emma will always hold a special place in my heart,” Silzer wrote Just 5 years old when she began her run as Emma in 2011, Silzer was a series regular on “General Hospital” until 2016. She continued to appear on the show as a guest star over the past eight years. Many of Silzer’s fans responded to her post expressing how much they will miss her and tried to decipher whether she made the decision to end her run on the series. “Brooklyn, I enjoyed watching you as Emma for all these years,” one fan commented. “You are a shining star! You will always be remembered as Emma. Much love and luck in all your future endeavors. You will be missed ❤️.” Another wrote, “You ARE Emma to us. I’m hoping this was your choice. If so best of everything to you in your future.” “Loved watching you grow up on G.H.,” one person shared, adding, “wish you all the best! Like [said] before I hope this was your decision.” Several regular cast members of “General Hospital” have left the soap in 2024, including Michael Easton , Kelly Monaco and Chad Duell. Easton appeared on over 940 episodes of “GH” across 10 years and revealed in June his time on the show was ending. “I’ve always been partial to the Irish goodbye,” he said a video posted on Instagram . “That’s where you leave the party without actually telling anyone you’re gone. But I thought you all deserved better, so I just wanted to let you know that I just filmed my final scenes here at General Hospital.” “I’ve loved every minute that I’ve been here,” Easton added. “I want to thank the entire cast and crew for allowing me to share their stage this past 10 years. Most importantly, I want to thank all of you for the kindness and love you’ve shown me and my family.” “I won’t ever forget you. And as I walk out here for the last time, and with apologies to the great Lou Gehrig, I feel like the luckiest man on the face of the Earth,” he added. In October, Monaco said farewell to her role as Sam McCall on “General Hospital” after 21 years. Monaco later suggested that her exit wasn’t her decision. “‘No primary role’.. do your homework. When Billy Miller was fired, Sam’s storyline stopped. Stripping Sam of every characteristic she had,” the star wrote in a since-deleted Instagram post on Soap Hub. “Something I worked for decades to build... Slowly dismantling her, into a character that I did not recognize, let alone the audience. Call it what you will... retaliation at it [sic] finest. I will give a proper statement. The truth will set you free.”
Tickets to the $1 Billion Mega Millions Draw available this Christmas Eve on Jackpot.comAiming for a fourth consecutive League One victory at the New York Stadium, Rotherham United welcome Wigan Athletic on Boxing Day, keen to secure maximum points in gameweek 22. Although the visitors have avoided losing in two matches, it will be interesting to see if the Latics' mixed away record holds out against one of the in-form home sides in the third tier. © Imago Rotherham might be 18th in League One, four points clear of the relegation zone (having played two games fewer than Crawley Town), but the Millers' results in front of their supporters have kept them above water. The South Yorkshire outfit have been beaten in only two of nine fixtures on home turf, claiming five wins and playing out two draws. Interestingly, four of the home club's triumphs at the New York Stadium have been in the previous five as hosts, with only third-placed Wrexham beating the Millers in South Yorkshire in that period. Only Wrexham (13 points), table-topping Birmingham (13) and fourth-placed Huddersfield (13) have accrued more points on home soil in the last five than Rotherham (12), an admirable statistic given the trio's standing as promotion hopefuls. Having kept two clean sheets in their past three home fixtures, Steve Evans ' troops aim for a fourth success on the trot to improve their long-term survival prospects. © Imago The Millers welcome Shaun Maloney 's men on Boxing Day, keen to outwit the Greater Manchester outfit, whose form has improved before the busy festive period. Wigan had suffered three consecutive defeats in all competitions (two in League One) before mid-December but have found temporary solutions to beat Bolton (2-0) and play out a draw with Shrewsbury Town (2-2). Regardless, the Latics enter their forthcoming match at Rotherham carrying some disappointment after letting a two-goal lead slip against the division's bottom club, with that tie preventing them from recording consecutive wins for the second time this term. Although the table shows that both sides facing off on Boxing Day are separated by one place and a point, Maloney's 17th-placed men must contend with the Millers' commendable form at New York Stadium and retain their away doggedness to secure a positive outcome. Wigan have been hard to beat on their travels, as evidenced by five clean sheets in 10 road fixtures and nine goals conceded in that period, a tally bettered by Huddersfield, Wrexham and Stevenage (eight). Those numbers stand the Tics in good stead heading into Boxing Day, as they hope to notch consecutive away triumphs for the first time since April, when they defeated Lincoln City and Portsmouth (both 2-1). © Imago Sean Raggett is Rotherham's only reported injury absentee before Wigan's visit on Thursday, thus handing Evans a fairly healthy squad. Jonson Clarke-Harris has netted three goals in the Millers' five home victories, including a brace in the 3-0 success over Northampton Town on December 14, and the forward aims to add to his tally on home soil and overall league return (six). Although Maloney also has most players available, the away side will assess Tyrese Francois before Thursday's trip to South Yorkshire. Thelo Aasgaard (seven goals) and Dale Taylor (four) have jointly contributed to 58% of the away side's 19 league goals, highlighting their importance at Rotherham. Rotherham United possible starting lineup: Phillips; Rafferty, Odoffin, Jules, James; Green, Tiehi, Powell; Nombe, Clarke-Harris, Wilks Wigan Athletic possible starting lineup: Tickle; Sibbick, Kerr, Aimson, Sessegnon; M. Smith; J. Smith, Aasgaard, Adeeko, Thomas; Taylor Wigan have had Rotherham's number in recent meetings, winning three and playing out as many draws in the past six match-ups since the Millers' 3-1 EFL Cup success in 2018. With recent history in the Latics' favour, we back Maloney's men to frustrate the home team and eke out a low-scoring draw. For data analysis of the most likely results, scorelines and more for this match please click here .
One of the hardest questions to answer is a deceptively simple one: who are you? But this is precisely the question that “reminiscence” or “life review” therapies, which draw on autobiographical memory, looks to answer. It’s normal to think about our past or to relive memories in conversations with friends, but it is rare to do so in a considered, intentional way. In 2022, Jane Fonda spoke about conducting a life review after turning 60, telling Glamour , “it totally changed the way I thought about myself and about how I wanted to live the last third of my life”. But whether you’re 60 or 16, looking backwards can be a useful exercise in building purpose and meaning into your present and future. Credit: iStock What is reminiscence therapy? Reminiscence therapy is an umbrella term that encompasses a range of therapeutic approaches. David Hallford, a senior lecturer at Deakin University’s School of Psychology, says most therapy, “either implicitly or explicitly draws on memory”. “But reminiscence therapy is particularly focused on retrieving, reflecting on and reframing experiences into our understanding of ourselves.” Broadly speaking, he says reminiscence focuses on specific themes, like relationships, loss or challenges faced. Life review, on the other hand, is about a more systematic approach to reflecting on experiences across a whole lifetime. And reminiscence is about more than just mapping the big beats in our lives. Sunil Bhar, a professor of psychology at Swinburne University of Technology, says: “It’s not simply about documenting things, like where someone lived or who they married, where they end up with what is essentially a resume of their life. “We’ve discovered that what’s therapeutic about going back over someone’s life is not what they did, but who they are .” Reminiscence, he says, can help people answer the tricky question of “who are you?” “The most common answer to [this question] is, ‘I am a student’, ‘I am a daughter’, ‘I’m a son’; you talk about yourself in terms of the roles that you played in your life,” he says. “So reminiscence is a way of getting to the values that have been driving those roles and those life decisions.” What are its benefits? Research on reminiscence therapy has focused mostly on its benefits for older people, where it’s been shown to improve things like depression and life satisfaction . For people with dementia, reminiscence therapy can help create a sense of agency and improve mental health and cognition. Research has also found it can lessen the effects of anxiety and depression and that it can improve quality of life for cancer patients . However, an emerging body of research shows that reflecting on our lives can be beneficial at any age. Hallford’s research focuses on the benefits of life review , particularly for young adults. He thinks a lack of research is partly for cultural reasons, where there is the “preconception of sitting around and thinking about the good old days as a task of older adulthood, when we are not necessarily completing as many big life tasks like getting our careers started or having kids”. But the benefits of reminiscence therapy in older adults are much the same for younger ones. Research has shown reminiscence therapy to improve levels of self-esteem , confidence, optimism and life satisfaction . One small study led by Hallford this year found guided recall and interpretation of autobiographical memories helped improve young adults’ self-perception and views of others. Used in clinical settings, it has also been shown to reduce depression and anxiety, where it’s often part of a program involving cognitive behaviour therapy. Three great questions to ask How it works Typically, reminiscence therapy is conducted by a psychologist, either in a group setting or one on one. To explore this kind of therapy, you can chat to your GP, counsellor or psychologist. But you can still reap the benefits by reflecting on the past in a less structured way with friends or family. “There is a sense in the literature that maybe what is therapeutic about reminiscence therapy isn’t the outpouring of memories, but really it’s having someone listen,” says Bhar. “It brings the idea that what we’re really after is a human connection, and reminiscence is simply a way of eliciting that.” Hallford says journaling or voice recordings can help with this. It’s also common to use physical objects or music to prompt memories. Bhar says photographs can be a good starting point for talking about the past. So whether you’re spending the break alone or with friends or family, consider going through an old album, or talking about what matters to you most. It might help crystallise who you are. Make the most of your health, relationships, fitness and nutrition with our Live Well newsletter . Get it in your inbox every Monday .Speaking at the New York Times DealBook conference, Altman addressed concerns about Musk's announced role heading a new Department of Government Efficiency in the incoming Donald Trump administration, and whether he might use it to favor his own companies. "I may turn out to be wrong, but I believe pretty strongly that Elon will do the right thing," Altman said. "It would be profoundly un-American to use political power to hurt your competitors and advantage your own businesses." Even if there are "lots of things not to like about him... it would go so deeply against the values I believe he holds very dear to himself that I'm not that worried about it." Musk, an OpenAI co-founder who later departed the company, is currently suing Altman's firm and Microsoft, claiming they shifted from the project's original nonprofit mission. He has since launched xAI, reportedly valued at $50 billion, making it one of the world's most valuable startups. Altman said that the court battle was "tremendously sad" and that he once saw Musk as "a mega hero." Musk became a close ally of Trump during his campaign, spending over $100 million to boost his presidential bid and joining him at rallies. Since the election victory, he has been a frequent presence in the Trump transition and was reportedly on the line when Google CEO Sundar Pichai called the president-elect to congratulate him on winning the election. The tycoon's businesses have deep connections with governments -- both in the United States and elsewhere -- and his new position has raised concerns about conflict of interest. During the interview, Altman also lowered expectations for the importance of OpenAI's models achieving artificial general intelligence (AGI), a benchmark of human-level intelligence the company has long set as the goal for its technology. "My guess is we will hit AGI sooner than most people in the world think, and it will matter much less," he said. "A lot of the safety concerns that we and others expressed actually don't come at the AGI moment... AGI can get built. The world goes on mostly the same way," he said. arp/ahaBest Gutter Guard Installation Companies (2024): LeafFilter Gutter Protection Named Top Gutter Company by Expert Consumers
The proponent of the proposed national commission for the co-ordination and control of the proliferation against small arms, ammunitions and light weapons in Nigeria, NATCOM, Dr. Baba Mohammed, has congratulated Christian faithful and Nigerians on the celebration of this year’s Christmas. Dr. Mohammed in a press statement issued in Abuja said, “it is a celebration of God’s love and mercy to mankind.” The NATCOM bill proponent Dr. Mohammed who is also the Madaki of Ankpa, noted that the celebration of Christmas, is not merely a fanfare but an admonition to the people to have forbearance and show compassion in every situation. The Madakin Ankpa in the spirit of the Christmas celebration called on governments at all levels to be deliberate in initiating measures that will ease the economic hardship, insecurity and other social vices that confront Nigerians. He however, sued for calm, patience and tolerance on the part of citizens especially in the face of the Tinubu led government to put Nigeria in its pride of place. The NATCOM bill proponent specially felicitated with president Bola Ahmed Tinubu, his Vice, Kashim Shettima, the leadership of the national assembly and the secretary to the government of the federation Senator George Akume on the occasion of Christmas. The rest are the chief of staff to the president RT. Hon. Femi Gbajabiamila, the national security adviser Mallam Nuhu Ribadu and the chief of defence staff, General Christopher Musa and other service chiefs, expressing confidence that Nigeria shall be great again under president Tinubu. It will be recalled that the NATCOM bill proposed by Dr. Baba Mohammed is in line with ECOWAS convention 2006 and to which Nigeria is a signatory. He therefore wishes Christians a Merry Christmas and a prosperous New Year.
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