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New Year, New Finances

YourUpdateTV

With the new year underway, it’s a great time to make some financial resolutions to help manage your money. In an increasingly digital world, it’s now more important than ever to harness the power of digital tools so you can level-up your financial journey in the year ahead. Recently, personal finance expert, Farnoosh Torabi, teamed up with Capital One and YourUpdateTV on a nationwide satellite media tour to share tips and digital banking resources to help consumers across the nation get set for financial success in the year ahead. A video accompanying this announcement is available at: https://youtu.be/8FpRQjEfQvc Shopping Smart When it comes to finances, the first place to look is your last few credit card statements, said Torabi, who recommends scrutinizing every purchase to make sure they fulfill a need. And, as we rely more and more on our phones for digital transactions, it can be easy to make impulse purchases, she said. According to Torabi, small behavioral shifts, like avoiding late-night spending, can help you mindfully shop and avoid unnecessary purchases. When you do shop, shop smart. Searching for discounts and coupons is one easy way to save, and, luckily, there are great digital tools out there that can do the work for you. For example, Capital One Shopping is an online tool that finds you better offers, automatically applies the best coupon code at checkout, and lets you know when prices drop on products you’ve viewed and purchased. The best part is it’s free and accessible for anyone in the U.S. via a browser extension download or mobile app on your phone. Getting Organized for Tax Season With tax season just around the corner, it’s never too early to get organized so you can get prepared and maximize your return. Torabi recommends filing your taxes online or by using a tax software to avoid costly errors. This is another great time to take advantage of digital tools like Eno, the intelligent assistant from Capital One, which is available to customers via text, email, mobile app and online. Eno proactively sends customers a personalized year-end summary of possible charitable donations made with their Capital One card so they can see what might be eligible for tax deductions. Protecting Yourself Online Protecting your personal information is paramount, which is why Eno creates virtual card numbers to disguise and protect your actual credit card number when making online purchases. You simply install the browser extension, and next time you’re checking out, you’ll be provided with a unique virtual card number specific to that site. And, it’s worth the reminder, said Torabi – do your research! If a site is new to you, glance at the Better Business Bureau or do a quick online search to make sure it’s a reputable merchant. If it feels too good to be true, it probably is! For more information about digital tools from Capital One, visit capitalone.com About Farnoosh Torabi: Farnoosh Torabi is one of America’s leading personal finance authorities — hooked on helping you live your richest, happiest life. As a Contributing Editor to Oprah Magazine and NextAdvisor, host of primetime series for CNBC and creator of the Webby-nominated podcast So Money, Farnoosh has become our favorite go-to money expert and financial friend. The New York Times calls her advice, “perfectly practical.” About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

February 03, 2021 12:00 PM Eastern Standard Time

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Jennifer Lang Financial Services Releases New 2021 Tax Planning Guide

Jennifer Lang Financial Services, LLC

Contact Details Jennifer Lang +1 877-487-8926 mail@jenniferlangfinancialservices.com Company Website https://www.jenniferlangfinancialservices.com

February 02, 2021 10:05 AM Eastern Standard Time

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New Suzy Research Shows Shift in Valentine’s Day Date Plans This Year

Suzy

Suzy, a real-time market research platform, today announced its new research report, “State of the Consumer: Valentine’s Day 2021,” shows that nearly 70% of consumers are planning to celebrate Valentine’s Day at home this year. The report found that while many Americans and their significant others will change their romantic dinner plans compared to last year, heart-shaped boxes of chocolates still have the hearts of those planning to give candy to the people they love. According to Suzy research, top Valentine’s Day gifts include: Candy (66%); Flowers (60%); Jewelry (54%); Greeting Cards (52%); Wine/Alcohol (42%); and Perfume/Cosmetics (45%). A night in and dinner at home for most Likely due to COVID-19 restrictions or concerns, more than one-third of respondents (38%) who went out for Valentine’s Day last year are staying home this year. Suzy’s research also revealed that 31% who stayed home in 2020 are sticking to the same plan this time around, while nearly a quarter (24%) plan to go out for Valentine’s Day – just as they did last year. Most respondents are cooking dinner at home this year (36%), followed by ordering takeout from a restaurant (28%). Only 23% are planning to dine at a restaurant this year. Candy remains Cupid’s arrow Despite the shift in Valentine’s Day plans, candy remains a Cupid’s arrow for consumers who are planning to give gifts this year. In fact, 86% of those surveyed plan to buy Valentine’s Day candy this year, most often for a significant other (69%), their children (49%) or themselves (41%). The most popular candy purchases are the timeless heart-shaped box of chocolates (29%), followed by Hershey’s Kisses and chocolate-covered cherries (tied at 22%), M&M’s and conversation hearts (also tied at 11%). Most Americans will spend between $10 and $30 on candy (36%). A smaller percentage will spend between $33-50 (18%), $50-100 (15%), and more than $100 (12%) on candy. More than half of consumers are planning to buy greeting cards for Valentine’s Day (53%), with 41% of cards going to a significant other, and 11% to their children. “Research shows that Valentine’s Day this year means a candlelight dinner in the kitchen instead of a night out on the town, and brands will have to adjust accordingly,” said Suzy President Avi Savar. “While spending is still expected to be on par with previous years, sales strategies will need to be adjusted to meet consumer’s ever-changing needs during the pandemic.” Suzy’s State of the Consumer: Valentine’s Day 2021 survey was conducted on Jan. 14, 2021, and included 538 respondents. A full report is available upon request. About State of the Consumer: Valentine’s Day 2021 Suzy’s State of the Consumer: Valentine’s Day 2021 study surveyed 538 U.S. consumers in January 2021. The samples are directionally representative of U.S. consumers and census-weighted across age, gender, ethnicity, and region to accurately reflect attitudes across the broader American consumer population. About Suzy Founded in 2017, Suzy is an enterprise software platform that puts the voice of the consumer at your fingertips. Whether you’re a novice or an expert researcher, Suzy delivers advanced tools combined with the highest-quality audience to deliver insights in minutes. Many of the biggest brands in the world use Suzy to deliver breakthrough products and experiences backed by data-driven decisions. To date, Suzy has raised over $35MM in venture capital funding from investors that include Bertelsmann Digital Media Investments, Foundry Group, Tribeca Venture Partners, Triangle Peak Partners, and Kevin Durant’s 35 Ventures. Learn more at www.suzy.com. Contact Details Catrine Thorrud suzy@trustrelations.agency Company Website http://suzy.com/

February 02, 2021 10:00 AM Eastern Standard Time

Comcast RISE Awards 36 Black-Owned, Small Businesses in California with Marketing and Technology Resources and Makeovers

Comcast West Division

More than 700 Black-owned businesses across the country have been named Comcast RISE award recipients, including 36 small businesses in California. Now, the second phase of Comcast RISE, which stands for “Representation, Investment, Strength and Empowerment,” is accepting applications through February 7, 2021. Black, Indigenous, and People of Color (BIPOC)-owned, small businesses are encouraged to apply for the chance to receive consulting, media, and creative production services from Effectv, the advertising sales division of Comcast Cable, or technology upgrades from Comcast Business, based on their specific needs. “While many of my contemporaries were preparing for retirement, I became an entrepreneur,” said Judi Townsend, founder and owner of the Oakland-based store, Mannequin Madness, that received media services through RISE. “My business is in the recycling industry, where I find new uses for old things. So, when COVID-19 hit, I had to reinvent again. And RISE is an important tool for publicizing the new direction of my business.” “When we were first shut down, we were looking at creating a bigger online profile, and I found the RISE program,” said Jonathan Powell, founder and co-owner of Forever Diamonds & More, a jewelry store in San Jose that received a 30-second TV commercial production. “When you’ve got an establishment like Comcast reaching to pull up small businesses, the lifeblood of the economy, take their hand!” "We all crave a good cup of coffee,” said Olton Rensch, founder and owner of San Francisco-based Tallio’s Coffee that received marketing consultation services. “I was looking for ways to bolster my business during COVID-19 and found the RISE program. Had I not applied, I would have lost out on this great opportunity to bring my dream to life.” Comcast RISE brings together two of the company’s brands — Comcast Business and Effectv, both with expertise in the small business space — to empower business owners with the knowledge and resources needed to navigate the economic effects of the pandemic. Comcast RISE consists of the following main components: A media and technology resources program: This pillar combines Effectv’s renowned media platform and marketing expertise, its award-winning creative agency, Mnemonic, and state-of-the-art technical support from Comcast Business to help small businesses foster and elevate growth. Recipients will receive help with their marketing, media campaigns and creation of 30-second commercials, as well as equipment and technology upgrades, including: ○ Consulting: Advertising and marketing consultations with local Effectv marketing, research and creative teams to gain insights on how to grow your business. ○ Media: A linear TV media campaign to run over a 90-day period. ○ Creative Production: Turnkey 30-second TV commercial production for their businesses. ○ Technology Makeovers: Computer equipment and Internet, Voice and Cybersecurity services for up to a 12-month period. (Taxes and other fees may still apply for tech makeover services.) Business resources to help with curated content: Comcast has launched the Comcast RISE destination complete with aggregated small business news, tips, insights and more on the X1 platform. The destination is designed to help businesses grow by empowering them through education, inspiration and entertainment. Just say “Comcast RISE” into the X1 voice remote. Comcast RISE is part of a larger $100 million Diversity, Equity and Inclusion initiative that Comcast launched this summer. In June, Comcast NBCUniversal announced the development of a comprehensive, multiyear plan to allocate $75 million in cash and $25 million in media over the next three years to fight injustice and inequality against any race, ethnicity, gender identity, sexual orientation or ability. Visit www.ComcastRISE.com to apply, for more information and the latest updates. About Comcast Corporation Comcast Corporation (Nasdaq: CMCSA) is a global media and technology company with three primary businesses: Comcast Cable, NBCUniversal, and Sky. Comcast Cable is one of the United States’ largest video, high-speed internet, and phone providers to residential customers under the Xfinity brand, and also provides these services to businesses. It also provides wireless and security and automation services to residential customers under the Xfinity brand. NBCUniversal is global and operates news, entertainment and sports cable networks, the NBC and Telemundo broadcast networks, television production operations, television station groups, Universal Pictures, and Universal Parks and Resorts. Sky is one of Europe's leading media and entertainment companies, connecting customers to a broad range of video content through its pay television services. It also provides communications services, including residential high-speed internet, phone, and wireless services. Sky operates the Sky News broadcast network and sports and entertainment networks, produces original content, and has exclusive content rights. Visit www.comcastcorporation.com for more information. Contact Details Adriana Arvizo +1 925-200-1919 Adriana_Arvizo@Comcast.Com Company Website https://california.comcast.com/

February 01, 2021 02:40 PM Pacific Standard Time

A Toast to the Big Game: Celebrate the Big Game from Home and Help Out Local Businesses While You Do

YourUpdateTV

On a night when many would typically be flocking to their favorite bars and restaurants to watch the Big Game, this year will be a little different. Recently, Emily Arseneau, Director for Collectif 1806, teamed with Cointreau and YourUpdateTV on a satellite media tour to discuss what people can do to support local bars and restaurants. A video accompanying this announcement is available at: https://youtu.be/6yqrz1ggz1k It’s no secret that the COVID-19 pandemic has had a calamitous effect on local bars and restaurants, with the industry facing a long road to recovery. 1 in 6 restaurants have closed since March and 85% of local establishments are still at risk for permanent closure. Local bars and restaurants and their staff are core to the memorable experiences we all hold near and dear and these cherished establishments remain at risk for closures and jobs lost. So, on one of the biggest nights of the year, Cointreau is lending its microphone and raising awareness for the industry with its first ever Big Game campaign in partnership with the Independent Restaurant Coalition for “Love Letter,” which encourages people to express gratitude to their favorite places on social media. It’s a testament to our love for the industry and we’re looking forward to seeing love letters from people nationwide. For everyone enjoying the game at home this year, try the Original Margarita with Cointreau. It’s easy to make and will be sure to elevate any game day celebration. Here’s how to do it: Ingredients: 1 oz Cointreau 2 oz Blanco Tequila 1 oz Fresh Lime Juice Steps: Combine all ingredients in a shaker and add ice Shake and strain into a salt-rimmed rocks glass Garnish with a lime wheel For more information, visit Cointreau.com/SaveRestaurants About Emily Arseneau: Based in NYC, Emily Arseneau is the Director for Collectif 1806, Remy-Cointreau USA's flagship bartender engagement program. Emily has consulted on concepts and menus all across the United States and has been a guest on streaming platforms for Bustle, Refinery 29, and more as a cocktail expert. She has hosted cocktail master classes throughout the United States, the Caribbean, and China. Emily and her creations have been featured in publications such as Food & Wine, Modern Luxury, American Airlines Magazine, and Liquor.com. Currently, her career focuses on people management and the development and recommendation of incredible heritage brands. About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

February 01, 2021 11:00 AM Eastern Standard Time

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Taste of the NFL Goes Virtual to Feed 30 Million School Kids

YourUpdateTV

America’s children are facing a severe hunger crisis, which has been made worse by the pandemic. Nearly 1 in 4 U.S. children under the age of 18 are food insecure – they wake up hungry every day. For many kids, school meals are the only adequate meal they get each day. To help, GENYOUth has partnered with the 30th Annual Taste of the NFL event taking place on Super Bowl Sunday (February 7th). Recently, Alexis Glick, the CEO of GENYouth teamed with celebrity chefs Tim Love and Andrew Zimmern on a satellite media tour to discuss the important initiative. GENYOUth, the nationally recognized leader in creating healthier school communities, is helping schools feed America’s kids. GENYOUth’s COVID-19 Emergency School Meal Delivery Fund has raised over $10.5 million to support 8,800 schools with grants to fund their emergency meal delivery programs. Live from the Tampa Bay Super Bowl, Taste of the NFL @Home will feature super chefs like Carla Hall, Tim Love, Andrew Zimmern and Lasheeda Perry as they help viewers plan the perfect game day menu at home. The purpose is to help provide funds to schools across the country and specifically in your community. The event will also include chalk talk with legendary athletes with experience performing on the biggest stage. “A Hunger to Win” will be hosted by three-time Emmy-award winning broadcaster, James “JB” Brown, host of “The NFL Today” on CBS-TV, “Inside the NFL” on Showtime, Special Correspondent for CBS News and GENYOUth board member. This engaging and entertaining “Chalk Talk” will offer Taste of the NFL livestream viewers a candid conversation with three of the world’s top athletes. Joining Mr. Brown will be two-time Super Bowl-Winning Quarterback, Peyton Manning, five-time World Series Champion, Derek Jeter, and decorated U.S. boxer, Claressa Shields. For information on how to get involved, please visit tasteofthenfl.com About Alexis Glick: A veteran media executive, television personality and former Wall Street executive, Glick helped launch the Fox Business Network, the largest cable news launch in history, where she served as Vice President of Business News and anchored “Money for Breakfast” and “The Opening Bell” before taking on the role of CEO at GENYOUth. GENYOUth, a nonprofit organization, Glick created in partnership with the NFL, all 32 NFL teams, and America’s dairy farmers, is the largest in-school health and wellness program in the nation whose mission is to create healthier school communities. Glick recruited a world-class board of directors comprised of some of the nation’s most powerful leaders in business, sports, academia and politics. GENYOUth supports 40 million kids daily in 73,000 of our nation’s schools and has raised well over $100M in funds for schools. Glick has been called one of the top “business of philanthropy rock stars” by Forbes. About Andrew Zimmern: An Emmy winner and four-time James Beard Award-winning TV personality, chef, writer and teacher, Andrew Zimmern is regarded as one of the most knowledgeable personalities in the food world. In February 2020, Andrew returned to television with What’s Eating America, which premiered on MSNBC, and in 2021, he will premiere Family Dinner on Chip & Joanna Gaines’ Magnolia Network.As the creator, executive producer and host of Travel Channel’s Bizarre Foods franchise, Andrew Zimmern’s Driven by Food and Emmy award-winning The Zimmern List, he has devoted his life to exploring and promoting cultural acceptance, tolerance and understanding through food. About Tim Love: Chef Tim Love is known as much for his vibrant personality as he is for his signature urban western cuisine, creating inspired and innovative dishes that have earned critical and popular acclaim. With restaurants spanning the nation from Seattle to Knoxville, Love’s roots remain in Texas, where he is chef and owner of seven beloved Texas restaurants. Host of CNBC’s show Restaurant Startup, he and co-host Joe Bastianich vie against each other to invest their own money in restaurant concepts they believe will make them millions. About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

February 01, 2021 11:00 AM Eastern Standard Time

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Army Veteran Dave Wyatt Grows Minuteman Press Franchise in Medina, Ohio During COVID-19 Pandemic By Helping Local Businesses

Minuteman Press International Inc

During his first year in business as Minuteman Press franchise owner in Medina, Ohio, Dave Wyatt was faced with the unprecedented challenges of the COVID-19 pandemic. “We reached out to local businesses early on to let them know we were there to help them in their time of need. They learned we were open as an essential business and that they could trust us, and that sparked our growth.” One of the ways Dave helped other local businesses when they needed it most was through their free initiative Bounce Back Medina. “Bounce Back Medina simply connects local businesses with community members who are looking to shop local and support local. This is completely free and we also provide participating businesses with free COVID-19 awareness posters. This was our way of letting everyone know that we are all in this together and we will help in any way we can to lift each other up.” Dave also reached out to local bars and restaurants, providing them with 100 free printed menus. “I knew they needed to make changes to their menus or simply needed to use them to reach out to customers, so I thought it was the right thing to do. They were very appreciative and once again they saw that we were there to help them at a critical time.” He also printed free 10-minute parking signs for all businesses in the square downtown. “Curbside pickup became very big, and I just wanted to do my part to help other businesses adapt and stay safe.” Goodwill goes a long way to growing sales As a result of his efforts in giving back and building authentic relationships with other local businesses he truly cares about, Dave has seen his sales grow 30% despite the challenges of the pandemic. “Some of the businesses I reached out to through Bounce Back and these other giveaways have remembered us and stuck with us. They see that we can meet their printing and marketing needs. More importantly, they know I am there for them and that I can empathize with them since I am a local business owner too.” At Minuteman Press Medina, Dave is able to provide high-demand products and services that local businesses need right now. He explains, “We provide general printing services, custom branded apparel, wide format printing and signage, and direct mail campaigns. These are all items being ordered and used by our clients during the pandemic.” He continues, “For example, we were honored to be able to help our graduating students last year by printing over 1,200 signs for families. We are proud to help keep businesses safe with social distancing signage and branded face masks. They can safely reach out to their target audiences through direct mail postcards as well as Dynamic Direct Mail, where people are contacted both through the mail and online.” Dave adds, “We are local and we care about our community. We have that personal touch you won’t find elsewhere, and you certainly won’t find it online. You will not find another team to take care of your printing and marketing needs like we do at Minuteman Press Medina.” Dave also credits his local in-house staff of three employees who he is able to lean on to make sure his clients receive that personal touch and outstanding customer service. “We have a great team that works well together. Sierra is our Graphic Designer; Mary is our Customer Support Rep; and Eric is our Production Specialist. I am humbled to have the support I do from them. As a business owner you want to be comfortable when you are away from the shop and they make it that way for me.” Furthering his local ties to the community, Dave makes sure to get involved and stay active. “Community is so important. I am a Chamber Ambassador for the Greater Medina Chamber of Commerce and also a member of the Wadsworth Chamber of Commerce. This allows me to get to know the new businesses as they are coming in or just joining the Chamber. I am a member of the Medina County Economic Development Corporation as well. I join as many networking groups as I can and still be comfortable with my time. Networking and growing relationships through the ‘know, like and trust’ platform was key in thriving during this pandemic.” “Printing will never go away but you must be more than a printer. You need to be a marketer, a designer, a promoter, and most importantly, a business partner. People need to trust you and your team. Once you have that trust, you have a customer for life.” -Dave Wyatt, Minuteman Press franchise owner, Medina, Ohio From the US Army to the American Dream of Business Ownership Prior to owning his own business at the end of 2019, Dave Wyatt says, “I spent 8 years in the Army as an Aircraft Electrician. I spent the next 19 years with Konica Minolta (16 years in service and 3 years in sales). During that time, I did a lot of training and calibrating equipment so I was in many different types of businesses. I saw independent print shops, UPS stores, and Minuteman Press franchises. When I decided to own my own business, I knew I didn’t want to open without support so I went the franchise route.” Why Minuteman Press? Dave answers, “What I liked about Minuteman Press from what I learned in research and what I saw while working for Konica Minolta is that they allow the personality of the business to shine. They offer the most flexibility in terms of how to run your franchise, so while I am following their system, I still feel like an entrepreneur. I didn’t see that from other franchises and I also didn’t want something like foodservice where I’d be working long hours at night and on weekends. Having that freedom to be me and the Monday-Friday hours were huge along with their training and support.” “Minuteman Press has guidelines and if you follow those guidelines you will be successful, but they also allow you the freedom to make many of your own choices when it comes the way that you actually run your business. During my search for a franchise, I felt many other franchisees were just glorified managers for their franchisors because they seemed to have very little freedom to make decisions on their own without corporate breathing down their backs. Between that, their training and support, the Monday-Friday hours, and their cap on royalties, I was sold.” -Dave Wyatt Dave expands on the ongoing local support he receives from Minuteman Press International. “I have a great local support team in Regional Vice President Gary Nowak and Area Manager Rich DeRosa, who are only a call or email away. Everyone at Minuteman Press has been helpful during this pandemic and they have really shown me that they have my back with constant communications and additional marketing strategies. He adds, “Our Minuteman Press FLEX software system is also a huge game-changer for us. We have implemented customer dashboards, which allows for easy online ordering and reordering. If people come to me and say that they prefer online ordering, we make that available to them while also still being their local trusted provider they can still talk to and meet with. They can have the best of both worlds.” Advice for Others Dave shares the following advice for others who are looking to own a business. He states, “Ensure you have enough capital; my bank has been a good business partner and because of that I was prepared when the pandemic first hit. With that said, you can’t be afraid to spend money in ways that will help you market and grow. Invest in people, inventory, and equipment where it makes sense. I also encourage you to study, read books, and listen to podcasts. Always be learning, and never stop.” For more information on Minuteman Press in Medina, Ohio, visit https://www.medina.minutemanpress.com. Learn more about #1 rated Minuteman Press franchise opportunities and read Minuteman Press franchise reviews at https://minutemanpressfranchise.com. Contact Details Chris Biscuiti +1 631-249-1370 cbiscuiti@mpihq.com Company Website https://minutemanpressfranchise.com

February 01, 2021 10:00 AM Eastern Standard Time

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D S Simon Media Announces Content Strategy Veteran Mike Bako to Senior Vice President Key Team Member Lauren Campbell Promoted to General Manager

YourUpdateTV

D S Simon Media has announced promotions to key team members that have been integral to the company’s strong continued performance. Mike Bako has been named Senior Vice President, Media and Broadcast Services. “What D S Simon Media is about is evolving in real time to meet the needs of our clients and embrace that challenge, all while creating the highest caliber and most creative work,” said Bako. “I look forward to continuing to lead and grow our team of seasoned media and production veterans,” he added. Bako has been with the company for 9 years. “Mike has been critical to our 30% growth over the last two years. He has a unique understanding of the broadcast news environment, storytelling and client messaging. He’s a fantastic leader,” said CEO, Doug Simon. Additionally, Lauren Campbell has been named General Manager. “I am very excited to be continuing my career at D S Simon Media in my new role as General Manager,” said Campbell. “I am thankful to be part of such a talented group and am very much looking forward to leading the team to growth and success in 2021,” she added. Campbell has been with the company for 15 years. CEO, Doug Simon, said, “Lauren was vital in helping us successfully navigate the financial challenges posed by COVID while building, maintaining and leading our outstanding team.” Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

January 28, 2021 12:00 PM Eastern Standard Time

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D S Simon Media Announces Promotions to Key Team Members Mike Bako and Lauren Campbell

YourUpdateTV

January 28, 2021 09:40 AM Eastern Standard Time

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