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Jays Beat Royals
Blue Jays 4 Royals 3 The Jays are above .500 and own the last Wild Card spot. After the first inning, I thought this was going to be a high scoring game. The Jays got two in the first (it should have been more). Brett Bateman started the game with a single, but was quickly […]
Royals vs Blue Jays, September 5 live discussion
What’s it going to take for the Royals to stop the September spinout?
Caroline Cotter concert to benefit Dolly Fisher Fund
Acclaimed singer-songwriter Caroline Cotter will perform a special concert at the First Congregational Church of Blue Hill on Sunday, Sept. 20, at 2 p.m. to raise money for the church’s
Byron Donalds accuses David Jolly of ducking media, voters in 'basement campaign'
'He's nowhere to be seen.'
“We’ll be a real contender”
Anne Butzelaar, Women's Football EditorLucy Bronze believes Chelsea showed enough in their 1-1 draw with Aston Villa to demonstrate their credentials for the season ahead, despite admitting the Blues ...
Arsenal vs Chelsea Premier League Preview: Derby Day
The Gunners host the Blues for a massive derby in the season’s early stages
From Life’s Origin to Cyanobacteria in a Billion Years
That’s now just 1 billion years for all the apparatus to hit on the lucky combination randomly, unless we start with design principles.
Prospect Showcase Details Unveiled for Stars
The Stars head to Detroit for a four-team round robin, testing top young talent against the Red Wings, Blue Jackets, and Penguins in an expanded prospect showcase.
Bobby Rush headlines 26th Annual Blues BBQ Festival at Hudson River Park
The Blues BBQ Festival returned to Hudson River Park for its 26th year on Aug. 15 with a very special headlining performance. Grammy-award-winning blues
John Terry explains how Chelsea can hurt Arsenal
John Terry clearly wants Chelsea to win their match against Arsenal this weekend, with the former defender’s loyalty to the Blues well known.The ex-defender knows Arsenal are the best team in the le...
In 2024, scientists dyed Michigan’s Peter Lake blue to block sunlight, then added fertilizer; despite the dye, rain washed pigment out and algae turned it green
In the summer of 2024, researchers dyed the water of Peter Lake, located in Michigan's Upper Peninsula, USA, with a non-toxic blue dye called Aquashade, then deliberately added fertilizer to the same lake. The experiment wasn't done for beautification.
Video Airlines battle it out for business
As Southwest Airlines announces its first ever lounges, JetBlue Airlines now adds First class seats to your travel options.
The U.S. is "unlearning" decades of public health progress
On August 10, in the Oval Office, Donald Trump signed an executive order telling American parents to break the measles, mumps, and rubella shot into three separate injections and to space childhood vaccines across many more trips to the doctor. He said the change would "align the United States with ...
Blue-collar support trends highlighted GOP gains among rank‑and‑file workers
Forty-five years ago this week: Kathy Oatis of the Colorado AFL-CIO’s Committee on Political Education said that organized labor had a negative image with the American voter. “I don’t think the country is against us,” said Oatis. “I think the leaders of the country are, and they don’t support the things that we have traditionally […]
Toronto Blue Jays Announce Trey Yesavage Update Amid Playoff Push
The Toronto Blue Jays welcomed back Jameson Taillon from the IL on Friday night against the Kansas City Royals, but they’re still awaiting the potential return of Trey Yesavage.Yesavage played a pivotal role as a rookie last year during the Blue Jays’ World Series run, and before his injury this season, he quickly became Toronto’s […] The post Toronto Blue Jays Announce Trey Yesavage Update Amid Playoff Push appeared first on HEAVY.
Jays Crush Royals
Blue Jays 9 Royals 2 Let’s get the bad news out of the way off the start. Jameson Taillon came out of the game after the second inning with right elbow discomfort. Why is it always the throwing arm that gets the discomfort? Oh right, because they are doing something very unnatural with the throwing […]
Royals vs Blue Jays, September 4 live discussion
Danny Drips arrives on your local TV station
Arkansas Renaissance Festival kicks off fall with Labor Day hours and champion jousting
Blue Jays series preview: The team that ended the streak
Can the Royals keep the winning going against the Blue Jays?
Fulham v Crystal Palace: Key stats and talking points
Fulham's campaign got off to the worst possible start when they conceded to neighbours Chelsea just 30 seconds into their opening match. Defeat by the Blues was followed by another at Sunderland and while there will be no panic at the Cottage as new head coach Alvaro Arbeloa is still settling in, fans might be aware that only twice before have Fulham lost their first three games of a top-flight campaign (1951-52 and 2020-21). Fulham have also struggled against Palace in recent years, winning just two of their last 13 Premier League matches against the Eagles (D6, L5), with neither victory coming on home soil.
Predicting Duke Blue Devils 2026 Football Schedule
Predicting each game on the Duke Blue Devils' 2026 football schedule.
16th Annual Men’s Health Event
The Michigan Men’s Health Foundation is hosting the 16th annual Men’s Health Event on Saturday, September 26, 2025, from 9 a.m. to 3 p.m., at the Wayne State Fieldhouse in Detroit.Men 18 years and older, with or without health insurance, are encouraged to take advantage of this free event focused on preventative healthcare. | WWJ Newsradio 950
Pair of rare, colorful lobsters have a new home in Maine
A two-toned lobster like Ethel is 1 in 50 million, while a blue one like Gertrude is 1 in 2 million.
Even blue California wants lower taxes and smaller government
A new survey of Californians’ political views shows the Democrats are still dominant, but a majority of voters wants lower taxes and smaller government.
Leadership lessons from Blank Street's first employee
Blank Street's first employee says he almost rejected blueberry matcha — a beverage that ended up transforming the company.
What Bluebird has taught us about compassion
The Bluebird Run in Tallahassee offers a space for community healing and mental health support this Labor Day.
Releasing guilt: NAMI Tallahassee’s Bluebird Run/Walk
Losing a friend to suicide brought guilt, but I found peace. Join me at the Bluebird Run for mental health support.
How Motherwell's blueprint is defying second-season syndrome
New faces, same identity. Motherwell's approach has fans dreaming of a campaign that surpasses the highs of 2025-26.
Brett Bateman Continues to Spark Toronto Blue Jays Offense
The Blue Jays beat the Cleveland Guardians on Thursday afternoon to move within 0.5 games of the third and final wild card spot.
Blue Jays vs Guardians Highlights ⚾️ MLB on FOX
Check out the best highlights between the Toronto Blue Jays and the Cleveland Guardians.
‘I didn’t get into healthcare to watch it disappear’: Tensions boil over Eastern Oregon hospital cutbacks
With steep Medicaid cuts coming, austerity measures are already well underway at Blue Mountain Health District.
Jays Beat Guardians
Blue Jays 6 Guardians 3 That was an interesting game in a lot of ways: We had nine hits, but only one extra-base hit, Lukes’ double and six walks. Bateman had 3 hits, Lukes 2. Vlad was 0 for 3 with a walk and the sac fly. Smith was 0 for 2 with 3 walks. […]
Blue Ridge Health plans new medical facility in Hendersonville
WLOS News 13 provides local news, weather forecasts, traffic updates, notices of events and items of interest in the community, sports and entertainment programming for Asheville, NC and nearby towns and communities in Western North Carolina and the Upstate of South Carolina, including the counties of Buncombe, Henderson, Rutherford, Haywood, Polk, Transylvania, McDowell, Mitchell, Madison, Yancey, Jackson, Swain, Macon, Graham, Spartanburg, Greenville, Anderson, Union, Pickens, Oconee, Laurens, Greenwood, Abbeville and also Biltmore Forest, Woodfin, Leicester, Black Mountain, Montreat, Arden, Weaverville, Hendersonville, Etowah, Flat Rock, Mills River, Waynesville, Maggie Valley, Canton, Clyde, Franklin, Cullowhee, Sylva, Cherokee, Marion, Old Fort, Forest City, Lake Lure, Bat Cave, Spindale, Spruce Pine, Bakersville, Burnsville, Tryon, Columbus, Marshall, Mars Hill, Brevard, Bryson City, Cashiers, Greer, Landrum, Clemson, Gaffney, and Easley.
Thursday Jays Notes
There isn’t much for Jays news this morning. The starters against the Royals: And, our weekly Anthony Santander rumour: Today’s lineups: Today’s Lineups BLUE JAYS GUARDIANS Brett Bateman – CF Steven Kwan – CF Nathan Lukes – RF Chase DeLauter – RF Vladimir Guerrero – 1B Jose Ramirez – DH Jesus Sanchez – LF Jo […]
B.B. King Documentary in the Works From Estate
The B.B. King Music Company and the legendary blues musician’s estate have announced a new feature documentary on his life, music and legacy.
Scientists to Classrooms: A thriving Science News Learning outreach program
For three years, classrooms participating in Science News Learning have welcomed scientists to share their research and career journeys, giving…
Entertainment around the area
Justin Hayward, the last surviving member of the classic Moody Blues lineup, leads the entertainment highlights coming to local and regional venues over the next couple of weeks. The singer/guitarist,...
Red Sox Minor Lines: Hayden Mullins strikes out ten
Worcester: PPD, Make-Up Friday This game was called quite early in the day due to inclement weather in Buffalo (Blue Jays AAA.) It will be played as part of a double-header Friday, with first pitch at 4:05. Portland: L, 5-4 (F/10) (BOX SCORE) The Sea Dogs got walked off in Chesapeake (Orioles AA) after letting […]
What happens when a blue state votes on trans sports?
Four states have midterm ballot measures on the issue. Washington’s would go further than any law in the country.
Guardians and Blue Jays play with series tied 1-1
The Cleveland Guardians and Toronto Blue Jays play on Thursday with the winner claiming the three-game series
East Texas Tonight: Tyler business owner brings childhood dream to life
Nicole Crisp is the owner of the Blue Bird Antique Mall & Treasure Shoppe in Tyler — a job in the making since her childhood.
ASU's Matthew Mayich had heat stroke, lack of oxygen to brain
Matthew Mayich, the Arizona State hockey player and Blues draft pick who collapsed in an offseason workout suffered exertional heat stroke that reduced the flow of oxygen to his brain, his attorney told ESPN.
Prime Video becomes local streaming home for six NHL teams
Prime Video will be the exclusive local streaming home for six NHL teams next season. Prime Video and the NHL jointly announced Wednesday that the streamer is now the local rights holder for the Carolina Hurricanes, Anaheim Ducks, Columbus Blue Jackets, Dallas Stars, Minnesota Wild, and St. Louis Blues, each within that team’s own regional…
Spanberger's ICE restrictions dealt major setback as judge warns other blue states
A federal judge blocked a key part of Gov. Abigail Spanberger's law restricting local 287(g) cooperation with ICE as Republicans say they warned her.
Penn State's Matt Campbell embracing Joe Paterno's legacy in shift from predecessors
Penn State's first-year coach has a framed photo of Paterno in his office and has praised a new exhibit honoring the coach at Beaver Stadium.
iPhone 18 Pro will have three upgrades that have been rumored for years
iPhone 18 Pro launches next week, and expected to feature three upgrades that have been rumored for years. Here’s what’s coming.
Kennedy Center disassembles 'Blue' sculpture from its grounds
The Kennedy Center removed a sculpture known as “Blue,” a tall, blue stick figure designed by Joel Shapiro and installed in 2019. This change follows ongoing efforts by the center's
Columbus Blue Jackets, NHL reveal next step in TV, streaming plans
Columbus Blue Jackets games will air on a new network with streaming on Prime Video for $19.99 monthly or $99.99 annually.
Introducing: H. Moser & Cie. Streamliner Tourbillon Skeleton Ceramic Alpine Limited Edition
The new H. Moser & Cie. x Alpine Motorsports watch comes in anthracite grey ceramic, with a fully openworked movement in Alpine blue.
Would You Quit a Show Because of Your Co-Star’s Politics?
Most of us have worked with people we disagree with. But what happens when those beliefs feel less like a political difference and more like something that could directly harm you or your family? Where do you draw the line?
Exhibition at URI illuminates art and science collaboration
KINGSTON, R.I. – Sept. 2, 2026 – Art League RI and the University of Rhode Island are featuring the collaborative works of artists and scientists in a new exhibition titled “Environmental Currents: Art and Science Explore our Changing World” from Sept. 10 through Nov. 18 at Studio Blue on the URI Narragansett Bay Campus. With […]
Kennedy Center begins removal of outdoor ‘Blue’ sculpture
The Kennedy Center has started taking down a stick figure sculpture on the grounds as President Donald Trump has aimed to reshape the performing arts institution, including with new art.
NHL, Prime Video strike local streaming deal for 6 teams
The multiyear agreement makes Prime Video the exclusive local streamer for the Ducks, Hurricanes, Blue Jackets, Stars, Wild and Blues.
Apple's New Mac Mini Already Discounted - See the Pre-Order Deals
Amazon has introduced the first cash discounts on Apple's brand new Mac mini, with discounts including two of the M6 models as well as the M5 Pro model. All of these deals are pre-order discounts on the 2026 Mac mini, which officially launches on September 22. Note: MacRumors is an affiliate partner with Amazon. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.
Birding takes flight: Four-part library series explores Florida’s feathered friends
From the tiny Chipping Sparrow with its rust-red cap to the loud but beautiful Blue Jay foraging for a snack of unshelled peanuts — and many other feathered species —
ATLAS publishes first paper on Public Engagement with Science
You can’t exactly take the ATLAS experiment on tour. At 7,000 tonnes and buried 100 metres underground at CERN, it’s not easy to move. So, for more than a decade, the ATLAS Collaboration has found another way to bring the experiment to people around the world: live, interactive virtual visits with the scientists who work on it. In a recent paper published in the European Physical Journal Plus, the ATLAS Collaboration documents the evolution and impact of its flagship Virtual Visits programme. The paper is the Collaboration’s first publication focused specifically on science education, communication and outreach. It traces the programme from its beginnings as an experimental outreach effort in 2010 through its growth into a global programme – connecting classrooms in the Amazon, schools in the Himalayas and even a research station in Antarctica. Drawing on data collected between 2019 and 2025, the paper examines the programme’s reach and impact. Global reach, local connection Figure 1: World map showing the number of virtual visits across participating countries from 2019 to 2025. Cooler colours (purple and blue) are used for countries with fewer visits, and warmer colours (red and orange) for countries with more visits. (Image: ATLAS Collaboration/CERN) The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. While visiting CERN in person is an unforgettable experience, financial and logistical barriers can make such a trip difficult for many students and public groups. Video conferencing has allowed the Collaboration to break down these barriers: between 2019 and 2025, the Collaboration hosted 698 virtual visits, engaging tens of thousands of participants across nearly 70 countries (see Figure 1). Interactivity is central to the programme. Far from simple one-way broadcasts, Virtual Visit audience members are encouraged to engage in conversation with the scientist(s) hosting the visit. Most hosts are volunteers from the ATLAS Collaboration, who bring their diverse scientific expertise, language skills and cultural backgrounds to each visit. Where possible, audiences are paired with volunteer scientists who share their native language and cultural background, making it easier to engage, ask questions and connect with the hosts. Between 2019 and 2025, Virtual Visits were held in 19 different languages. The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. Constant evolution Figure 2: The number of ATLAS Virtual Visits organised annually since 2019. (Image: ATLAS Collaboration/CERN) The ATLAS Virtual Visit programme has continuously evolved to enhance the visitor experience. Early sessions were hosted directly from the ATLAS Control Room before transitioning in 2014 to a dedicated space in the ATLAS Visitor Centre, equipped with modern videoconferencing technology. In 2019, the ATLAS Collaboration expanded the programme’s reach, introducing live Virtual Visits from the experimental cavern during year-end maintenance stops and long LHC shutdowns. These exclusive sessions take participants beyond the ATLAS visitor platform, offering real-time, up-close views of the towering detector. When the COVID-19 pandemic disrupted in-person gatherings worldwide, demand for virtual engagement surged. The ATLAS Collaboration adapted rapidly by introducing Open Virtual Visits streamed via Zoom and YouTube, allowing individual science enthusiasts and families to join live guided tours. Figure 2 shows that the programme reached a peak of 155 visits in 2021 and has since maintained around 100 visits per year, demonstrating sustained engagement beyond the pandemic-driven increase. More than just a tour Beyond participation numbers, the paper highlights the positive impact on participants and educators. Teachers report successfully integrating Virtual Visits into their physics curricula, sparking sustained curiosity and in many cases inspiring students to pursue STEM studies and careers. Feedback received also highlighted how the direct dialogue with ATLAS scientists has given students an authentic and personal perspective on particle physics, helping them connect what they learn in the classroom with the people behind ATLAS research. Looking ahead, the programme will continue to evolve with new technologies and communication platforms. The goal is simple: to give even more audiences the opportunity to engage directly with particle physics and make fundamental science open to all. Learn more Breaking barriers: the impact of ATLAS Virtual Visits in science communication (Eur. Phys. J. Plus 141, 874 (2026), arXiv:2601.22457, see figures) ATLAS Virtual Visit Dashboard Register for an ATLAS Virtual Visit
2026 Week 1 Preview: Tulane Green Wave @ Duke Blue Devils
It’s the only Week 1 matchup between two reigning conference champions.
Leaked iPhone 18 Pro Parts Point to Three Color Options Excluding Black
Longtime leaker Sonny Dickson has shared an image of differently colored SIM card trays that he claims are for Apple's upcoming iPhone 18 Pro models, suggesting Apple's flagship lineup will again be available in a trio of colors: Silver, Dark Cherry, and Sky Blue. Apple currently offers the iPhone 17 Pro in Cosmic Orange, Silver, and Deep Blue.
CareFirst files trademark suit against Hagerstown health company
CareFirst BlueCross BlueShield sued a similarly named Maryland healthcare company, alleging that it's misleading customers.
Democrat establishment flexes dominance as insurgents fall and GOP bench thins in deep blue stronghold
Massachusetts Democrats rewarded Ed Markey, 80, over Seth Moulton in a generational clash after Moulton urged the party to "pass the torch."
Local businesses weigh in to help shape N. Charleston’s future development plan
North Charleston is rewriting the blueprint that will shape the city’s future.
Blue Jays' Spencer Arrighetti: Takes loss in bulk-relief role
Blue Jays' Spencer Arrighetti: Takes loss in bulk-relief role
Eagles updated practice squad: Complete list of 17 players
The Eagles filled their practice squad by signing Kiran Amegadjie, Jaydon Blue, Danny Gray and Robert Longerbeam
'Red, White and Blue Jeans': Eastern Idaho State Fair kicking off nine days of food, fun and record-setting entertainment
BLACKFOOT — Dust off your denim and get ready to wave the Stars and Stripes because the Eastern Idaho State Fair is about to take over Blackfoot for nine straight
Lenovo’s ‘Pen Pro for Googlebook’ hits Bluetooth SIG with wireless charging and gestures
With Google’s private media event in New York City just around the corner, the hardware surrounding the launch of Googlebook continues to leak out left and right. While we’ve spent plenty of time...
iPhone 18 Pro Colors Apparently Include Black, But Skip Silver
iPhone 18 Pro colors could include Dark Cherry, Sky Blue, and Black, with a Silver option unlikely to make the final lineup, according to the leaker known as "Fixed Focus Digital". In a new post on Weibo, the leaker "Fixed Focus Digital" said the iPhone 18 Pro has entered full mass production and predicted a slightly different color lineup from what previous rumors have suggested, featuring Dark Cherry (also referred to as Burgundy), Sky Blue, and Black.
CHI St. Vincent & CommonSpirit Health opt out of AR Blue Cross Blue Shield networks
CHI St. Vincent has opted out of the healthcare provider networks of Arkansas Blue Cross and Blue Shield and its associated health plans (Arkansas Blue Medicare
DeGrom strikes out 8, allows 1 hit in 7 shutout innings as Rangers beat A's
The Rangers (68-70) trail Cleveland by 1 1/2 games in the race for the final AL wild-card spot.
Western New York lawmakers propose 'Hands Off Our Great Lakes' Act
The proposed legislation seeks to block the president and other federal officials from renaming any of the Great Lakes.
Paying Homage To “The Troublemaker Of Watchmaking” With The M.A.D.3 Vincent Calabrese
✓ Meet the new M.A.D.3 Vincent Calabrese ✓ Paying homage to the self-proclaimed troublemaker of watchmaking ✓ Check out this Baladin watch! ✓
Legacy Entertainment | Beijing Haichang Ocean Park launch
The new attraction, designed by Legacy Entertainment and its subsidiary, The Aquarium Design Company, is the first new aquarium project in the city since 2000
Former Dallas Cowboys RB With ‘Maturity Issues’ Signs With Eagles
Dallas Cowboys running back and 2025 draft pick Jaydon Blue signs with NFC East Division rival. The post Former Dallas Cowboys RB With ‘Maturity Issues’ Signs With Eagles appeared first on HEAVY.
Eagles sign former Cowboys running back to practice squad
RB Jaydon Blue is staying in the NFC East, but is heading to Philly to start the season.
US oil firm to take over some Venezuelan oilfields previously run by Chinese, Russian companies, officials say
U.S. oil company North American Blue Energy Partners will take over some oilfields previously controlled by five Chinese companies and a Russian firm, two U.S. officials told Reuters on Monday.
Public health advisory issued for Pontoosuc Lake in Pittsfield
The Pittsfield Health Department issued a public health advisory Monday for Pontoosuc Lake following the discovery of a blue-green algae bloom. The advisory applies to the lake in both Pittsfield a…
Vending machine brings free Narcan, health supplies to Raytown. How it works
Jackson County Public Health recently opened its second Bluebox outside of a Raytown business, offering free naloxone and other supplies.
iPhone Ultra release timing: Here’s what the latest reporting says
Apple will unveil its foldable iPhone Ultra next week at the September event, here’s what to expect from release timing after that.
Half the World’s Population Will Be Nearsighted by 2050. Scientists Found a Life-Changing Fix.
A hidden band between violet and blue keeps animals’ eyesight perfect—but lightbulbs don’t emit it.
AU hosts House Blue-Ribbon Study Committee focusing on healthcare
“There’s a basic principle you have to remember: Where you train is where you’re likely to practice,” says MCG Dean David Hess, MD.
At Blue Elephant, artists explore ‘Repetition, Ruin, and Reconstruction’
Life is cyclical by nature. Time folds over and patterns begin to arise in every aspect of living — some good, some bad. As humans, it is an often forgotten
Buffalo Bills cut 21 players, trim roster down to 53 ahead of the regular season
Notable names released include RB Frank Gore Jr., LB Andre Jones Jr., QB Shane Buechele and WR Trent Sherfield Sr.
Here are the local races to watch in the Massachusetts state primary Tuesday
In blue Massachusetts, the primaries are often the most decisive component of the election cycle. And there are several subplots to watch.
Bluebird 5K Run on Labor Day raises awareness about suicide prevention
Tallahassee's Bluebird 5K race on Labor Day honors those lost to suicide and raises up stories of hope and mental health recovery.
Five-star Small Forward Discusses Duke, Recruitment
A five-star small forward discusses the Duke Blue Devils and where his recruitment is at right now.
Maui Chamber of Commerce and BizFlixTalk™ Bring Subsidized Business Growth Program to Maui Entrepreneurs
Maui business owners will have a new opportunity this fall to step back from the day-to-day demands of running a business and focus on what comes next through The Business Expansion Blueprint, a six-week interactive business-growth experience offered by the Maui Chamber of Commerce in partnership with BizFlixTalk.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
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