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Sixty-six yards for Zay Flowers in road win

Zay Flowers had a team-high eight receptions for 53 yards during the team's Week 5 win over the Atlanta Falcons.

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Oct 12 • 12:36 AM EDT • Sports • sports.yahoo.com
Benson-Brinks ticket vows to put Michigan families first

Michigan Senate Majority Leader Winnie Brinks, running mate to Democratic gubernatorial candidate Jocelyn Benson, said their campaign would focus on putting Michiganders first, lowering costs, and addressing priorities like health

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Oct 12 • 12:22 AM EDT • Politics • abc12.com
Scientists discover vanilla’s hidden healing potential

Scientists have discovered that vanillin, the compound that gives vanilla its distinctive flavor, has powerful properties that could help fight infections, reduce inflammation, and promote wound healing. The inexpensive, widely available ingredient could one day become an important component of advanced wound treatments and regenerative medicine.

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Oct 11 • 8:00 PM EDT • Science • sciencedaily.com
Sunday Night Football: Zay Flowers active for Ravens-Falcons
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Oct 11 • 6:59 PM EDT • Sports • sports.yahoo.com
Six senators call for Trump administration to 'immediately reverse course' on Russian diesel plan

A bipartisan group of six senators are calling on President Donald Trump’s administration to “immediately reverse course” on a plan to purchase diesel from Russia as part of an effort to lower high fuel prices.

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Oct 11 • 1:33 PM EDT • Politics • ksat.com
Six senators call for Trump administration to 'immediately reverse course' on Russian diesel plan

A bipartisan group of six senators are calling on President Donald Trump’s administration to “immediately reverse course” on a plan to purchase diesel from Russia as part of an effort to lower high fuel prices.

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Oct 11 • 1:33 PM EDT • Politics • wsls.com
Health insurance rates rise across Colorado, with the biggest increases hitting the Western Slope

Health insurance premiums for Coloradans using the state’s Affordable Care Act marketplace are increasing by an average of 10% in 2027, lower than preliminary rates showed in June. Western Slope residents, however, are set to...

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Oct 11 • 12:28 PM EDT • Health • summitdaily.com
Leaf Them On The Ground: Benefit More By Doing Less Yardwork

Every autumn, homeowners and gardeners tend to engage in a familiar ritual. As trees shed their leaves, people drag out rakes, leaf blowers and lawn bags to strip their yards bare before winter

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Oct 11 • 10:28 AM EDT • Science • science20.com
New Orleans’ National Fried Chicken Fest lowers Sunday admission price to $25

National Fried Chicken Fest organizers have lowered Sunday’s general admission price to $25 to draw crowds for the final day on Sunday.

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Oct 11 • 10:22 AM EDT • Entertainment • nola.com
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Global trust in science lower than before Covid pandemic, report finds

The proportion of people expressing at least some trust in science has fallen 5 per cent since 2018

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Oct 11 • 9:23 AM EDT • Science • independent.co.uk
Archaeologists reveal huge stretch of ancient Lower Aqueduct into Jerusalem

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Oct 11 • 6:39 AM EDT • Science • haaretz.com
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Personal AI agents threaten companies profiting from consumer inertia

Personal AI agents are helping users lower bills and get refunds, exposing companies that rely on customers doing nothing.

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Oct 11 • 6:11 AM EDT • Business • businessinsider.com
Retail holiday hiring shaping up to be worse than last year

The push to hire retail workers for the holiday shopping season is both starting earlier and ending at a lower total than in recent years.

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Oct 11 • 5:49 AM EDT • Business • businessinsider.com
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Rural MAHA followers say health of communities hasn't improved

A poll finds that the Make America Healthy Again movement has a substantial following among rural voters, but most don't think it has benefited them.

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Oct 11 • 1:22 AM EDT • Health • myjournalcourier.com
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Teladoc Health (TDOC) Stock Looks Reasonable As Shares Stay Down 96%

Teladoc Health has seen its share price grind lower over the years, even as it pushes new telehealth tools into hospitals and clinics. This raises a straightforward question for you as an investor: Is the current US$5.77 price properly anchored to the cash flows the business can realistically produce? Over the past 5 years the stock has fallen 95.7%, so the market has already repriced a huge amount of optimism and that reset now frames any discussion of what its future cash flows are...

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Oct 10 • 10:29 PM EDT • Health • simplywall.st
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Health expert shares simple ways to help lower inflammation throughout the body

Clinical pharmacist Jim LaValle breaks down how diet, stress, medications, blood sugar, environmental exposures and even overtraining may contribute to inflammation — and why the gut-brain connection matters.

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Oct 10 • 9:53 PM EDT • Health • foxnews.com
A surprisingly simple way to relieve knee arthritis pain without pills or surgery

A surprisingly simple change in how you walk could help relieve knee arthritis pain and even slow joint damage. In a year-long clinical trial, researchers found that adjusting the angle of a person's foot while walking reduced osteoarthritis pain by an amount comparable to medication, without requiring drugs or surgery. Even more promising, MRI scans revealed that participants who adopted the personalized walking technique experienced slower deterioration in a marker of knee cartilage health.

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Oct 10 • 7:44 PM EDT • Science • sciencedaily.com
RODRIGUEZ: Nebraska football earns its flowers, despite loss to Indiana

Nebraska football (5-1, 2-1) pushed Indiana to the final minutes in its 20-17 loss to Indiana (6-0, 3-0), proving it deserves a seat at the table and can compete with the best teams in college football.

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Oct 10 • 5:16 PM EDT • Sports • dailynebraskan.com
Ravens Injury Report: Lamar Jackson Out, Zay Flowers Questionable

The third and final injury report for the Baltimore Ravens has some tough news for Lamar Jackson and raises concerns about Zay Flowers.

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Oct 10 • 11:17 AM EDT • Sports • sports.yahoo.com
Trying This Lifestyle Trick With Dinner Could Help Lower Your Blood Sugar

It’s quick, easy to do, and absolutely free.

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Oct 10 • 7:15 AM EDT • Health • prevention.com
TeraWulf to double data center size near Ashland; Ky. Power to add unit at Big Sandy

TeraWulf Inc. plans to double the capacity of its AI data center at the EastPark industrial park near Ashland a year ahead of schedule, which the two companies say would lead to lower residential electric bills for residential customers. Also, the data center could double in capacity again, TeraWulf says. Kentucky Power says it plans to add a new generating unit at the Big Sandy Power Plant near Louisa, Kentucky, as part of the expansion.

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Oct 10 • 6:30 AM EDT • Business • wvgazettemail.com
Trump asks Supreme Court to revive his 2016 election lawsuit against Hillary Clinton

President Donald Trump urged the Supreme Court on Friday to wade into his years long legal battle with former Democratic presidential nominee Hillary Clinton and ex-Justice Department officials over the 2016 election, appealing a case that a lower court concluded was “frivolous.”

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Oct 9 • 11:34 PM EDT • Politics • cnn.com
Trump announces diesel deal with Russia in bid to lower prices

The amount is small compared with U.S. demand, but the deal aligns the U.S. with Russia and against Ukraine’s efforts to bomb Russian refineries.

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Oct 9 • 4:56 PM EDT • Politics • washingtonpost.com
Zay Flowers listed as questionable

Ravens RB Zay Flowers questionable for Week 5 after three limited practices

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Oct 9 • 4:43 PM EDT • Sports • sports.yahoo.com
Zay Flowers, Marlon Humphrey questionable for Ravens this weekend
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Oct 9 • 4:09 PM EDT • Sports • sports.yahoo.com
One type of sleep linked to dramatically lower risk of dementia, Parkinson's and 81 other diseases

Greater REM sleep was linked to 80% lower Parkinson's risk and 46% lower dementia risk in a major study of over 95,000 adults tracked for years.

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Oct 9 • 2:06 PM EDT • Health • foxnews.com
Gears of War: E-Day sells 230K copies

Gears of War: E-Day has sold 230K copies since its advance-access launch on October 1 and full release on October 6. Steam accounts for 168K of those, with Xbox (console and PC) selling 62K. But there’s more to this story, as Xbox makes up the bulk of revenue. E-Day is the best-reviewed Gears game in nearly two decades (and the best one ever made, in my opinion). The Coalition has made a banger here (it’s currently in my top 10 of the year). Despite E-Day’s undeniable quality, this is a soft result. And it’s down to the business model, really. E-Day has made $37M so far, thanks to the Premium upgrade On Xbox, Game Pass is cannibalising much of the premium revenue. Our estimates show that 1.7M folks accessed E-Day via their subscription rather than a copy. But Xbox is having it both ways – or having it halfway, at least – via its Premium Edition Game Pass upgrade. Game Pass subscribers could pay $30 (or their local equivalent) for up to five days of early access starting October 1. Our estimates show that of the 1.7M who accessed E-Day through Game Pass, 722K paid for the upgrade. Between the review embargo lifting on October 1 and the full release, E-Day managed to shift another 250K early-access upgrades – no doubt helped by the campaign’s rave reviews. So despite selling far fewer copies on Steam, Xbox accounts for almost three-quarters of the revenue (roughly $26M of the $37M, versus about $11M on Steam). So “230K copies” undersells the paying audience. Including the 722K upgrades, nearly 950K people actually paid something for E-Day. The $30 upgrade is a halfstep from cannibalisation, but will Xbox go all the way? While E-Day is a sublime game, these are soft numbers for a flagship when Xbox badly needs revenue wins. E-Day sold 62K copies on Xbox against 722K Premium upgrades, so for every one copy sold on Xbox, nearly 12 Game Pass upgrades were sold. The $70 premium SKU is – functionally – dead on Xbox. Normally you can’t see what a Game Pass player would have paid, because the game’s just there in the subscription. But the $30 early-access upgrade estimate shows that 722K people demonstrated they’ll spend real money on this game. In a world without day-one Game Pass, many of these folks would have bought E-Day at $70. They paid $30 for five days early access to something they don’t own. Xbox is, in effect, charging its most valuable customers the least, based on a hangover from a tried-and-exhausted strategy from a previous administration. Those 722K willing-to-pay players generated about $21.7M via the upgrade. If three quarters of this group – mostly US and European audiences – bought E-Day outright, that’s nearly $40M. Of course, Game Pass does bring in meaningful recurring revenue, and E-Day is adding value for hundreds of thousands of subscribers. However, Game Pass is no longer growing, so Xbox is at a crossroads. Xbox is reportedly looking to do a Netflix and bolt on an ad-supported tier to pad it further. But that will just set a new floor, and leadership keeps telling us the priority now is revenue growth, which is subscriber-speak for ARPU. Xbox has already pulled Call of Duty from day-one Game Pass after day-one inclusion hammered its sales, with new CoD titles now arriving on the service around a year late. We know that some Microsoft executives believe the service devalues games outright, and rumours (which Microsoft has dismissed so far, to be fair) suggest that day-one releases could be taken off Game Pass. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe When a game this well-reviewed does this softly on its home platform, the model – not the game – gets brought into question. What else E-Day’s early adopters have played (including this month so far) Looking at E-Day‘s players on Xbox, most have played the franchise before (86% have played Gears 5, 76% Gears 4), and every game on the crossover list is either a shooter or a title from an Xbox-owned studio (though Game Pass is inflating those numbers, of course, more on that later): As for what else Xbox’s E-Day players have played this month, the top three are Fortnite (16%), Roblox (7%), and Call of Duty (6%). Another 5% played Minecraft Dungeons II, which is also on Game Pass and launched a couple of days before Gears‘ advance-access date. Many Game Pass players are happy to check out most big new additions. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Over on Steam, the top crossover games are also mostly shooters (slightly more PC-coded ones), including Space Marine 2, which was itself heavily inspired by Gears: Looking at what E-Day‘s Steam players are into this month shows who they are – as subscriptions don’t skew the data. The top three are Wardogs (13%), Deadlock (12%), and CS2 (10%), so you’ve got the restless shooter crowd checking out the new hotness. A little further down are Helldivers 2 and Space Marine 2, your co-op PVE shooter players who’ll feel right at home in Horde mode. Game Pass is skewing the playtime distribution on Xbox Looking at the playtime distribution in our platform, E-Day players on Steam are – relatively speaking – playing for longer: 54% of E-Day players on Xbox have played for five hours or less (versus 32% on Steam) 19% of Xbox players played for over 15 hours (versus 33% on Steam) 14% of Xbox players played for over 20 hours (22% on Steam) The absolute number of people playing for over 15, 20, and 50 hours is, of course, bigger on Xbox, thanks to the sheer volume of folks who came in through Game Pass (upgraders included). None of that is cause for alarm. Game Pass is the reason Xbox playtime skews lower, as when a game is free to try, people try it and bounce without putting in even an hour (17% under an hour on Xbox versus 6% on Steam). Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe The subscription brings in tourists alongside the committed, dragging down the average even when the game is excellent (but also perhaps winning over the uninitiated). It’s standard across every subscription-included title, on PS Plus too. Forza Horizon 6, for instance, had 11% of its Xbox players bounce under an hour, versus just 2% on Steam. So, Xbox’s crossroads So there we have it. Gears of War: E-Day is an incredible game whose revenues have been stifled by subscription inclusion and exclusivity. It’s the best-reviewed entry in the series in fifteen-odd years, but it still turned into one of the year’s softer flagship launches, not because players didn’t want it, but because Xbox’s own storefront gave its most willing buyers a reason not to pay. Which leaves Xbox at a crossroads. Will it keep making Gears games when the financial returns are this thin and the margins this low? And if it does, does the next one arrive off Game Pass at day one – the way CoD now does, or even on PlayStation? I think it should. Alright, back to E-Day for me! The last word Reply to this email – or reach out here – if you have any feedback for the newsletter – or want to request a game for us to cover. [Alinea Analytics boasts the most accurate PC and console estimates in the business. Game makers use our platform to understand their audience, keep an eye on the competition, monitor sales trends, and spot new opportunities. We equip game studios and financial institutions with accurate data and the confidence to make smarter, data-driven decisions. Want to talk about all things games market data? We’d love to chat!]

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Oct 9 • 11:49 AM EDT • Technology • alineaanalytics.substack.com
Apple Reportedly Cuts iPhone 18 Pro Orders After Price Hike Dampens Demand

Apple has asked some of its suppliers to cut production of iPhone 18 Pro components due to lower-than-expected demand, according to Nikkei Asia ($). Citing its own sources, the report claims that Apple has been more cautious about shipments since early September because of the rising cost of memory chips, leading to higher prices. Component orders for October were said to have been cut by at least 15 percent compared with what was originally requested.

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Oct 9 • 8:23 AM EDT • Technology • macrumors.com
Crimson Desert’s lower review scores were because critics didn’t get a ‘fair chance to explore’, exec says

The press “had limited time” and didn’t play the launch version…

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Oct 9 • 7:34 AM EDT • Technology • videogameschronicle.com
Arjuna Natural to spotlight women’s health innovation and Ashwagandha Quality at SupplySide Global

Arjuna Natural, a leader, manufacturer, and innovator of standardised botanical extracts, will spotlight its award-winning women’s health portfolio and latest ingredient research at SupplySide Global in Las Vegas, NV, booth 6519, including new research on Rhuleave-K, a turmeric and boswellia combination developed to support fast-acting relief from PMS symptoms and lower back pain

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Oct 9 • 6:47 AM EDT • Health • nutraceuticalbusinessreview.com
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Trump's moves to boost diesel supplies have not yet lowered prices

US diesel prices remain at near record highs, up 70% since ​the US-Israeli war on Iran began despite two high-profile recent moves by President Donald Trump to boost supplies of the fuel: pressuring allies ‌to release emergency reserves and expanding access to tax-exempt red-dyed diesel.

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Oct 9 • 6:01 AM EDT • Business • reuters.com
UK’s Oxford Metrics warns about annual loss on entertainment industry spending cuts

Oct 9 (Reuters) - British smart sensing tech firm Oxford Metrics warned about an annual loss on Friday, hit ​by spending cuts and studio consolidation ‌across the film and TV industry and tighter research budgets, sending its shares 15% lower. Here are...

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Oct 9 • 3:57 AM EDT • Entertainment • wkzo.com
The Real Alexis Lafrenière Is Standing Up

We likely never will know what manner of offers Chris Drury fielded when trade talk involved Alexis Lafrenière. For all we know, Laffy could have wound up anywhere – including Lower Slobbovia.

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Oct 8 • 11:34 PM EDT • Sports • sports.yahoo.com
What rising costs mean for Volusia County small businesses

Rising costs are squeezing Volusia County businesses, while local leaders say resources and lower costs still help entrepreneurs open and grow.

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Oct 8 • 10:30 PM EDT • Business • mynews13.com
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Building momentum for new health care price transparency laws

Consumers and employers emphasize the power of competition to lower prices

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Oct 8 • 8:54 PM EDT • Health • pirg.org
Physician Organizations Oppose Legislation That Gives Health Insurers Unilateral Control Over Out-of-Network Payments

The American Society of Anesthesiologists (ASA), American College of Emergency Physicians (ACEP) and American College of Radiology (ACR) today expressed strong opposition to the Lower Premiums, Faster Payments Act, legislation introduced by Rep. Frank Pallone (D-NJ) that would eliminate the independent dispute resolution (IDR) process established under the No Surprises Act (NSA) and replace it with payment rates calculated by health insurance companies.

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Oct 8 • 7:55 PM EDT • Health • newswise.com
Trump bucks and the politics of mailing checks

The checks started going out last week, nearly one million of them, and mostly to battleground states. With a return address for the U.S. Treasury and a letter enclosed signed by President Donald Trump, these one-time checks for $500 were ostensibly government rebates for Obamacare enrollees who overpaid. In the accompanying letter, however, Trump attacks his predecessor and talks about his record in office on an important issue he’s not polling well on, which makes it seem more like the most expensive political mailer in U.S. history. The average piece of direct mail costs between 30 cents and $3, according to Mail Processing Associates, a print, mail, and fulfillment company. At $500 a pop plus roughly 50 cents each to issue the paper check, the cost of Trump’s healthcare mailer sent to more than 950,000 enrollees comes in at more than $475 million. Trump’s midterm healthcare message “For years, the Biden Administration overcharged you to fund the operation of HealthCare dot gov,” Trump wrote in the letter. “That money belongs to hard-working Americans, not the Government, and now, I am returning it to you!” In the letter, Trump makes false and misleading claims about his administration’s record on healthcare costs, an issue Democrats have a 20 point advantage on over Republicans, according to a recent poll from KFF, a nonpartisan health policy think tank. Trump touts his administration’s TrumpRX program, which he claims is “delivering massive discounts.” However, new research from KFF found that of a selection of drugs available on the TrumpRX platform, just five were the lowest price, while 13 were the highest price. Trump also falsely claims in the letter that he’s fighting to lower healthcare costs. In reality, average monthly premium payment costs for enrollees rose 58% under Trump while marketplace sign-ups declined 5%, per KFF. Under Trump’s One Big Beautiful Bill Act, it’s estimated 10 million more Americans will be uninsured by 2034. You get a check and you get a check and you get a check Trump’s long promised cash outs to his fans, from his days as a casino operator and gameshow host to his presidency. During the early days of the COVID-19 pandemic in 2020, the first Trump administration made the unprecedented move to put Trump’s name on checks that went out under the CARES Act (notably the $500 refund checks this time around don’t feature Trump’s name). Ever since, Trump’s been chasing that high. In his second term, Trump’s promised more stimulus that never arrived, like refund checks from DOGE cuts and tariffs, while he said at his party’s convention last month that he’d give out $5,000 checks to everyone if Republicans win in November. In reality, DOGE overstated its cost cutting and Trump’s government actually now spends more than former President Joe Biden’s, while Trump’s tariffs actually grew the trade deficit. His proposal for $5,000 checks would add about $1.2 trillion to the national debt. The problem is there’s no money to give. These $500 checks — plus $90 Medicare rebate checks also going out as well as $250 deposited this week in some Trump Accounts for kids courtesy Dell Technologies CEO Michael Dell and his wife Susan — represent the closest Trump’s going to get to making good on his promise to deliver cash fast. And the checks seem especially targeted. Though the $500 checks went out to enrollees in one of 30 states that use the federal HealthCare dot gov marketplace, a Reuters review found 71% of the payments, or $339 million, went to enrollees in 13 states that have the most competitive elections for governor and U.S. Senate. Most Americans don’t buy it Could Trump bucks sway the election? An Economist-YouGov poll found 57% of U.S. adults doubt Trump will deliver on his promise for $5,000 checks, compared to 21% who do. “I’m waiting on my DOGE check and I’m still waiting on my tariff check,” one 2024 Trump voter who’s since turned on him told a recent focus group. “It felt like kind of trying to buy people’s votes, which honestly felt like in elementary when the class president was like, hey we’re going to take you to the water park if you vote for me. It’s like, I don’t think it works like that.” But for voters in swing states who got a check, it could still matter. One survey published in 2022 found receiving a physically personalized check in the mail during the pandemic was associated with a much greater self-reported likelihood of voting for Trump in 2020, and those gains mainly came from out partisans. The issue for Trump comes if these checks are mostly going to Obamacare enrollees whose premiums have gone up by more than just $500 since he took office and who view the money as something like a bribe before the election rather than an actual long-term solution to lowering household costs. Spending $500.50 per mailer would be absurd as a normal campaign expenditure, but since Trump’s checks and letter are a government rebate, his campaign and super PAC didn’t have to spend a dime and he got out his message regardless. If enough voters in key states are swayed by the one-time payment, it could prove to be the best $0 the Trump campaign spent. Subscribe [ ](https://www.yellopolitics.com/p/why-independent-candidates-are-making) [ Why independent candidates are making independence central to their brand ](https://www.yellopolitics.com/p/why-independent-candidates-are-making) Hunter Schwarz · Oct 6 [ Read full story ](https://www.yellopolitics.com/p/why-independent-candidates-are-making) [ ](https://www.yellopolitics.com/p/these-designers-and-grocery-nerds) [ These designers and grocery nerds will brand Mamdani’s NYC grocery stores ](https://www.yellopolitics.com/p/these-designers-and-grocery-nerds) Hunter Schwarz · Oct 2 [ Read full story ](https://www.yellopolitics.com/p/these-designers-and-grocery-nerds) Trump wants to turn his first-ever golf course into a government course for presidents

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Oct 8 • 6:01 PM EDT • Politics • yellopolitics.com
Six Flags Entertainment (NYSE:FUN) Stock Price Target Lowered at Citigroup

Citigroup lowered their price target on Six Flags Entertainment from $17.00 to $13.00 and set a "neutral" rating for the company in a report on Thursday.

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Oct 8 • 5:42 PM EDT • Entertainment • marketbeat.com
Flutter Entertainment (FLUT) Stock Trades Up, Here Is Why

Shares of global online betting powerhouse Flutter Entertainment (NASDAQ:FLUT) jumped 4.4% in the afternoon session after Citi analyst Monique Pollard upgraded the company from a Neutral rating to a Buy rating. According to StreetInsider, Susquehanna analyst Joseph Stauff separately cut his price target to $100 from $115 and kept a Positive rating. He said third-quarter profit is likely to be lower and that the weaker result is already discounted. The stock, he said, is most sensitive to FanDuel

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Oct 8 • 5:12 PM EDT • Entertainment • finance.yahoo.com
Philadelphia City Council calls on health, sanitation departments to deal with growing rat infestation

Councilmember Anthony Phillips introduced the measure calling on city agencies to stop a growing rat infestation in Lower Northeast Philadelphia.

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Oct 8 • 3:58 PM EDT • Health • cbsnews.com
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New resolution calls rat problem in Northeast Philly a ‘public health emergency'

A new resolution urges the Health Department and other agencies to coordinate an urgent response to rodent activity in Lower Northeast Philly.

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Oct 8 • 2:18 PM EDT • Health • nbcphiladelphia.com
Supreme Court asked to weigh political ad rates

The Trump administration asked the Supreme Court on Thursday to step into a lower court dispute over television advertising rates paid by political candidates and joint fundraising committees weeks before the midterm elections. The application asked the justices to set aside a 2-1 ruling issued Wednesday by the U.S. Court of Appeals for the 4th […]

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Oct 8 • 11:40 AM EDT • Politics • rollcall.com
Why Fermented Foods Are Important for Maintaining a Healthy Gut

Maintaining a healthy gut is a vital way to lower risks of illnesses like heart disease and dementia. Gastrointestinal health expert Dr. Trisha Pasricha joins the 3rd Hour of TODAY to share tips to improve gut health, including eating more fiber, diversifying fruits and vegetables in meals, and introducing fermented foods into your diet.

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Oct 8 • 9:32 AM EDT • Health • today.com
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Q&A: Special Forces vet talks politics and family

Courtesy | Nick Freitas Nick Freitas is an author, political commentator, and social media influencer with more than 2 million Instagram followers. He served in the Virginia House of Delegates as a Republican from 2016–2026 and, before then, was a sergeant and Green Beret in the U.S. Army Special Forces. Freitas gave a lecture on...

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Oct 8 • 9:00 AM EDT • Politics • hillsdalecollegian.com
PepsiCo beats earnings expectations, lowers guidance as it aims to stabilize North America business

PepsiCo stock pops following better than feared results.

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Oct 8 • 6:31 AM EDT • Business • finance.yahoo.com
PepsiCo to cut costs as weak N.America business hurts annual core profit forecast

Oct 8 (Reuters) - PepsiCo said on Thursday it would pursue additional cost cuts after lowering its annual core profit forecast due to sluggish demand for its snacks and beverages

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Oct 8 • 6:12 AM EDT • Business • centraloregondaily.com
PepsiCo to cut costs as weak N.America business hurts annual core profit forecast

PepsiCo said on Thursday it would pursue ​additional cost cuts after lowering its annual core profit forecast due to sluggish ‌demand for its snacks and beverages in North America and ⁠rising input costs.

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Oct 8 • 6:05 AM EDT • Business • ksl.com
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Mali’s AI Propaganda War: The Fake Fighter With a Real Audience

Bamako-based TikTok account built up more than 436,000 followers with AI-generated material praising the army and the Africa Corps.

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Oct 8 • 2:47 AM EDT • Politics • politicstoday.org
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Scientists warn a popular vitamin D supplement may have a hidden downside

Not all vitamin D supplements are created equal, and new research suggests that one popular form may have an unexpected downside. Scientists found that taking vitamin D2 can actually lower the body's levels of vitamin D3, the form naturally produced by sunlight and more effective at boosting overall vitamin D. Previous studies also suggest that vitamin D3 may provide stronger immune protection against viruses and bacteria.

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Oct 7 • 8:00 PM EDT • Science • sciencedaily.com
The first Nvidia RTX Spark laptops cost up to $7,000

Prices start much lower, but 128GB of unified memory is going to really cost you.

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Oct 7 • 3:05 PM EDT • Technology • theverge.com
Downtown office vacancy falls for second straight quarter

Vacancy has now edged lower for two straight quarters after a historic run of 15 straight quarters in which the rate hit a new all-time high.

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Oct 7 • 2:44 PM EDT • Business • chicagobusiness.com
Scientists uncover how the world's smallest flowering plant became so tiny

A new study has revealed how some plants pack the same structures as larger species into a tiny space, making them promising candidates for future crops.

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Oct 7 • 2:20 PM EDT • Science • phys.org
Primary Partners Alliance Demonstrates Nearly $70 Lower PMPM Healthcare Costs Using Lightbeam Health Solutions

/PRNewswire/ -- Lightbeam Health Solutions, a proven AI-enabled solutions and services leader helping healthcare organizations succeed in value-based care,...

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Oct 7 • 12:02 PM EDT • Health • prnewswire.com
GOP gubernatorial candidate pitches plan to lower property taxes

Charles, an attorney and former federal official, said he will also work with the federal government to increase funding for things like substance use disorder treatment.

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Oct 7 • 10:55 AM EDT • Politics • spectrumlocalnews.com
Lower Burrell business outreach project gives city insight into wishes, challenges of business district

A summer intern’s project surveying Lower Burrell business owners is already helping the city strategize how to bridge gaps between its local government and business district. It’s also the catalyst for a new effort to form a business owner network, said City Manager Greg Primm. Kyle Radecki, an urban planning

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Oct 7 • 9:44 AM EDT • Business • triblive.com
'The Social Reckoning' review: Aaron Sorkin's follow-up to 'The Social Network' is missing some key ingredients

A whistleblower reveals hard truths about Facebook in this sequel, which opens Friday.

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Oct 7 • 9:03 AM EDT • Entertainment • yahoo.com
The Politics of Sustainability Have Changed. The Business Case Hasn’t.

Corporate sustainability may have fallen out of favor in some executive and political circles, but the business case remains strong: Companies continue to invest because sustainability initiatives can deliver measurable gains in profitability, resilience, and growth. Drawing on research from NYU Stern’s Center for Sustainable Business and other recent studies, the article shows how four areas in particular—circularity, decarbonization, sustainable sourcing, and employee well-being—can lower costs, reduce risk, strengthen supply chains, improve productivity, and create new revenue opportunities. Examples from industries including automotive, healthcare, apparel, energy, consumer goods, and manufacturing illustrate how companies are capturing value through resource reuse, energy efficiency, resilient sourcing strategies, and investments in frontline workers. While the language of ESG may be losing momentum, the underlying business fundamentals have not changed: organizations that systematically address material environmental and social challenges, quantify the financial impact of their efforts, and embed sustainability into core decision-making are better positioned to improve operational performance and create long-term enterprise value.

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Oct 7 • 8:25 AM EDT • Business • hbr.org
The Politics of Sustainability Have Changed. The Business Case Hasn’t.

Corporate sustainability may have fallen out of favor in some executive and political circles, but the business case remains strong: Companies continue to invest because sustainability initiatives can deliver measurable gains in profitability, resilience, and growth. Drawing on research from NYU Stern’s Center for Sustainable Business and other recent studies, the article shows how four areas in particular—circularity, decarbonization, sustainable sourcing, and employee well-being—can lower costs, reduce risk, strengthen supply chains, improve productivity, and create new revenue opportunities. Examples from industries including automotive, healthcare, apparel, energy, consumer goods, and manufacturing illustrate how companies are capturing value through resource reuse, energy efficiency, resilient sourcing strategies, and investments in frontline workers. While the language of ESG may be losing momentum, the underlying business fundamentals have not changed: organizations that systematically address material environmental and social challenges, quantify the financial impact of their efforts, and embed sustainability into core decision-making are better positioned to improve operational performance and create long-term enterprise value.

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Oct 7 • 8:25 AM EDT • Politics • hbr.org
Lower US Treasury yield view persists despite biggest quarterly surge since 1994

US Treasury yields are forecast to fall over coming months, according to fixed income strategists in a Reuters poll who clung to their long-held view despite the benchmark 10-year yield recording its biggest quarterly jump since 1994.

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Oct 7 • 8:11 AM EDT • Business • reuters.com
Here Are Wednesday’s Top Wall Street Analyst Research Calls: Abbott Laboratories, AppFolio, Delek US Holdings, Flutter Entertainment, Honeywell Aerospace, Intuitive Surgical, Marvell, NetApp, and More

Pre-Market Stock Futures: Futures are trading lower as today’s oil and interest rates are higher. Baseball legend Babe Ruth was often credited with the saying, “Records are made to be broken,” and Tuesday was one of those days for the stock market. For the second straight day, all major indices ended higher, with only the […]

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Oct 7 • 7:59 AM EDT • Entertainment • 247wallst.com
Healthy Food Bundles Lowered Weight, Blood Pressure Long-Term, Study Shows

By Dennis Thompson HealthDay ReporterWEDNESDAY, Oct. 7, 2026 (HealthDay News) — Sending people bundles of healthy food can help them lose pounds and reduce blood pressure, a new study says. People receiving plant-based grocery packages from a Boston-area food pantry wound up in overall better health ...

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Oct 7 • 6:15 AM EDT • Health • usnews.com
What could MS Legislature, politicians do to lower gas prices?

The days of the $20 tank are so far in the rearview mirror that the memories have grown fuzzy.

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Oct 7 • 6:04 AM EDT • Politics • clarionledger.com
NFA test scores dip, but 91% of freshmen stay on track to graduate

NFA's performance index for the 2025-2026 school year is lower than the state average but comparable or better than nearby larger high schools.

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Oct 7 • 4:55 AM EDT • Science • norwichbulletin.com
FBI whistleblower alleges Trump ordered investigations of L.A.-area immigration protesters

A former FBI intelligence analyst has alleged that President Trump ordered the FBI to launch unconstitutional investigations into immigration enforcement protesters from the Los Angeles area.

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Oct 6 • 6:48 PM EDT • Politics • latimes.com
EPA Proposes Approval of Maricopa County Air Quality Rule 204

An effort to lower emissions and protect jobs in Maricopa County is picking up momentum with yet another milestone announcement.Today, the Environmental Protection Agency (EPA) announced proposed appr

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Oct 6 • 6:16 PM EDT • Business • maricopa.gov
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Massie files bill to let small farmers process their own livestock

The bipartisan Red Meat Inspection Exemption Act would cut red tape and costs at a time consumers are looking for lower food prices, Massie said in a news release.

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Oct 6 • 5:34 PM EDT • Politics • spectrumlocalnews.com
Atrium promises state workers lower copays beyond its State Health Plan deal

Treasurer Brad Briner said the program will raise members’ costs in the long run and “violates the spirit of who gets to run” the plan.

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Oct 6 • 3:32 PM EDT • Health • newsobserver.com
Atrium Health's new Affordability Protection Program lowers costs for state employees

Atrium Health's new Affordability Protection Program, effective January 1, 2027, will reduce outpatient surgical care copays and lower inpatient hospital copays.

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Oct 6 • 3:19 PM EDT • Health • wfdd.org
Location Photo

Each week, on Wednesday, The Journal will post a location challenge photo on its Facebook page, encouraging followers to identify where said location can be found. This week, staffer Tom

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Oct 6 • 1:39 PM EDT • Entertainment • journal-news.net
Wisconsin governor candidates offer opposing plans to address rising health care costs

Republican U.S. Rep. Tom Tiffany and Democratic Milwaukee County Executive David Crowley say they want to lower health care costs and make care more accessible. But they’re offering different views on how to do that.

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Oct 6 • 12:44 PM EDT • Health • civicmedia.us
Downtown Tallahassee business expects slower day after nearby underground electrical fire

Metro Deli is located just two blocks from where Tallahassee city officials said the fire-related incident unfolded and left damage on Monroe Street Tuesday morning.

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Oct 6 • 11:57 AM EDT • Business • wctv.tv
ConnectOne Bank joins program for lower-rate business loans in NY

ConnectOne Bank is participating in New York's Linked Deposit Program, which provides small and middle-market businesses access to lower-interest commercial loans. This initiative supports business expansion and innovation by reducing borrowing costs and improving cash flow for eligible companies across Long Island and New York State.

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Oct 6 • 10:56 AM EDT • Business • libn.com
Scientists Just Found a Strange Link Between Cats and Happiness

Countries with more cats tended to report higher happiness, while greater exposure to a common cat parasite was linked to lower scores.

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Oct 6 • 10:37 AM EDT • Science • vice.com
Sphere Entertainment stock price target lowered to $125 by StoneX

Sphere Entertainment stock price target lowered to $125 by StoneX

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Oct 6 • 10:14 AM EDT • Entertainment • investing.com
FBI investigated anti-ICE protesters after Trump demanded probe over TikTok video, whistleblower alleges

The FBI opened preliminary investigations targeting anti-Immigration and Customs Enforcement protesters in Southern California, a former FBI intelligence official alleged in a whistleblower complaint, adding that she believed the move violated the law and agency policy.

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Oct 6 • 9:22 AM EDT • Politics • cnn.com
Wisconsin governor candidates offer opposing plans to address rising health care costs

Republican U.S. Rep. Tom Tiffany and Democratic Milwaukee County Executive David Crowley say they want to lower health care costs and make care more accessible. But they’re offering different views…

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Oct 6 • 7:00 AM EDT • Health • wisconsinwatch.org
Fitter Kids May Grow Into Less Depressed Adults

By Dennis Thompson HealthDay ReporterTUESDAY, Oct. 6, 2026 (HealthDay News) — Kids who run and play will reap mental health benefits into middle age, a new study says. Active, fit children appear to have a lower risk of developing depression in their late 30s and 40s, researchers reported recently ...

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Oct 6 • 6:15 AM EDT • Health • usnews.com
BTIG cuts Sphere Entertainment stock price target on lower revenue outlook

BTIG cuts Sphere Entertainment stock price target on lower revenue outlook

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Oct 6 • 6:12 AM EDT • Entertainment • investing.com
Tuesday ‘Dawg Bites Isn’t Anxious… Yet

Welcome to Tuesday, Bulldog fans! And it’s week 6… the halfway point of the regular season. At this juncture, I believe we all thought we’d know exactly where the 2026 Georgia team stood in the national conversation, because the team would have faced 2 lower division opponents, a rebuilding SEC team, an SEC team that […]

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Oct 6 • 5:30 AM EDT • Sports • sports.yahoo.com
City Council takes on debate over catastrophic risks of AI

AI whistleblowers and executives at top AI labs took turns testifying.

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Oct 5 • 7:24 PM EDT • Politics • ny1.com
Why Sphere Entertainment (SPHR) Stock Is Trading Lower Today

Shares of content production and distribution company Sphere Entertainment (NYSE:SPHR) fell 12.3% in the afternoon session after Craig-Hallum analyst Ryan Sigdahl downgraded the stock from Buy to Hold and reduced the price target to $132 from $170. According to TipRanks, Sigdahl pointed to demand for The Wizard of Oz at Sphere fading faster than expected. The firm cut its estimates to reflect that weaker outlook and lowered its price target to $132 from $170. A reduced target on the show that ha

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Oct 5 • 7:23 PM EDT • Entertainment • finance.yahoo.com
The rocky road to more manageable healthcare costs in NC

NC residents are worried about big medical bills. A state commission is working on ideas to help lower healthcare costs.

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Oct 5 • 6:00 PM EDT • Health • ncnewsline.com
U.S. Supreme Court declines request to consider Bellingham COVID-19 vaccine case

The denial means the lower court’s ruling will remain in effect, thereby signaling the end of the case.

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Oct 5 • 5:23 PM EDT • Politics • bellinghamherald.com
Nasdaq notches record high close as investors focus on earnings

Nasdaq reached a record high close driven by Nvidia and Microsoft gains amid investor focus on earnings and lower oil prices.

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Oct 5 • 4:03 PM EDT • Business • virginiabusiness.com
How a controversial camera system is monitoring mental health patients

The Lampard Inquiry started back in September 2024 and I remember going to the first hearing in Chelmsford. Subscribe The bereaved families made placards of their loved ones, they stood outside in silence and then laid flowers to mark the moment. Now, two years on, in a process meant to last another two years, there’s been a development. Last week, we were told the chair, Baroness Lampard, pictured below, could be looking at making interim recommendations. Throughout the process, she has remarked that although this inquiry is looking at almost 2,000 people who were under the care of Essex mental health services from 2000-2023 when they died, the findings could have national implications for other trusts. ‘Records 24 hours a day in patient’s bedroom’ So why has this happened? One system that the inquiry is going to take a closer look at is a controversial monitoring system called Oxevision. It monitors some vital signs of patients remotely by using a camera placed in a room. It’s used by 40% of NHS mental health trusts. But campaigners, particularly the group Stop Oxevision, have asked for this technology to be removed from mental health wards as soon as possible. I spoke to a member, Hat Porter, today and they described to me what they thought this technology did and explained their concerns: “It records 24 hours a day and it’s located in a patient’s bedroom, which is obviously somewhere you’d usually expect to be a private place. “Our concerns are that the use of the technology has been has been kind of implemented as a substitute for proper in-person support, that it’s kind of over relied on and that there’s a lot of misunderstandings and that the presence of a camera, which has often been used without people’s consent, sometimes without even their knowledge, that that has a really big impact on privacy, dignity and human rights.” ‘Not sufficient’ I put it to them that the company behind Oxevision would dispute their claims about consent and in videos I’ve seen online from NHS trusts, they make it clear that the technology is complementary to trained staff and not a replacement. [ ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) [ How the Nottingham inquiry shines a spotlight on other key mental health care failings ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) Victoria Macdonald · Feb 12 [ Read full story ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) A team of lawyers has been working on the inquiry and with bereaved family members who have concerns about this technology. I spoke to solicitor Priya Singh, from Hodge Jones & Allen, who made the point that questions usually asked by nurses would be missing from using devices like this. “It’s not sufficient to say, oh, the patient is moving around. Somebody must go in and say, are you okay? Are you distressed? Do you want help? Is there anything I can do? Share Channel 4 News “How are you spending your time? So I think a lot of our families cannot see the function of it when ultimately the patient should only really be observed when they’ve been prescribed to be observed, they can be observed more, but that more should really be happening face to face.” The Chair will hear evidence over the next two weeks and then a decision made after that, which could have national impact if she does decide this technology should be investigated or even removed. The Department of Health and Social Care said: “The Government is committed to ensuring that lessons are learned from the Lampard Inquiry to improve patient safety. “We are confident that the Inquiry will play an important role in identifying wider learnings for the health system following the tragic events in Essex and will contribute to improvements in patient safety.” We approached LIO Health, which runs Oxevision, for comment. Subscribe Share Channel 4 News Leave a comment

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Oct 5 • 2:03 PM EDT • Health • channel4news.substack.com
Why Sphere Entertainment (SPHR) Stock Is Trading Lower Today

What Happened? Shares of content production and distribution company Sphere Entertainment (NYSE:SPHR) fell 12.3% in the afternoon session after Craig-Hallum ...

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Oct 5 • 1:25 PM EDT • Entertainment • stockstory.org
Olivia Rodrigo’s Unraveled tour might be 2026’s best

WASHINGTON – For her third major tour, Olivia Rodrigo literally brought herself some well-deserved flowers.

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Oct 5 • 11:52 AM EDT • Entertainment • centraloregondaily.com
The Science Enabling a Steady Supply of Critical Minerals

Researchers are collaborating across disciplines to unlock domestic sources of valuable materials and lower costs.

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Oct 5 • 11:00 AM EDT • Science • newscenter.lbl.gov
Davids Fights Washington Healthcare Cuts with Plan to Lower Costs, Protect Kansas Hospitals

WASHINGTON, D.C. — Today, U.S. Representative Sharice Davids (KS-03) introduced a comprehensive package of healthcare legislation that directly counters Washington’s recent healthcare rollbacks, which are increasing monthly costs and closing rural hospitals. Davids’ efforts would protect Kansas families from rising medical costs, block new federal red tape, and keep local hospitals and health clinics open.

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Oct 5 • 10:14 AM EDT • Health • davids.house.gov
Windows 11 26H2 brings a hidden performance boost — and may slash RAM usage

Windows 11 26H2 quietly brings several performance improvements, including a Low Latency Profile that makes common tasks feel faster. Some users are also reporting lower RAM usage after the update, although Microsoft has not confirmed that 26H2 itself is responsible.

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Oct 5 • 10:12 AM EDT • Technology • notebookcheck.net
Sphere Entertainment (NYSE:SPHR) Downgraded by Craig Hallum to "Hold"

Craig Hallum lowered Sphere Entertainment from a "buy" rating to a "hold" rating and set a $132.00 price objective for the company. in a research report on Monday.

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Oct 5 • 9:06 AM EDT • Entertainment • marketbeat.com
Scientists Reveal The Optimal Amount of Sleep For Lower Dementia Risk

A huge analysis uncovered the sweet spot.

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Oct 5 • 9:00 AM EDT • Science • sciencealert.com
Uncovered raw shrimp a tic against wings restaurant

The following is a list of restaurants in Richmond and Columbia counties that were inspected Sept. 25 through Oct. 2, accompanied by their scores and, in some cases, the health infractions that lowered those scores. Scores below 70 are considered failing.

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Oct 5 • 4:02 AM EDT • Health • thestate.com
Coffee-Rich Diet May Be Linked to Better Breast Cancer Outcomes, But Experts Urge Caution

A new study is again drawing attention to a popular morning beverage: coffee. Researchers found that women with breast cancer who consumed higher amounts of polyphenols, naturally occurring plant compounds abundant in coffee and many plant-based foods, experienced lower rates of breast cancer-related death over a long-term follow-up period.

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Oct 4 • 8:00 PM EDT • Health • baptisthealth.net
Health records from 68 adults link plant-based grocery support to lower blood pressure and weight

Providing people with nutritious foods can improve the management of chronic metabolic diseases such as type 2 diabetes and hypertension. However, most studies of "Food Is Medicine" programs have only ...

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Oct 4 • 3:24 PM EDT • Health • medicalxpress.com
Diet analysis links higher pulse intake to lower heart disease and diabetes risk

New research from two William & Mary students has found that the risk of heart attack could be significantly lowered with one simple dietary change: increasing the intake of pulses. But what is a pulse? ...

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Oct 4 • 3:00 PM EDT • Health • medicalxpress.com
Ravens-Titans inactives: Ronnie Stanley, Zay Flowers to play

The Ravens deactivated four players for their Week 4 matchup with the Titans.

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Oct 4 • 11:59 AM EDT • Sports • sports.yahoo.com
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy

Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. 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. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.

Zay Flowers Injury Update: Ravens WR’s Week 4 Status Revealed

Zay Flowers spent the past week battling a hamstring injury in practice, but the Baltimore Ravens star wide receiver should suit up for Week 4's battle against the Tennessee Titans. A first-round pick in the 2023 NFL Draft, the Boston College product immediately established a rapport with quarterback Lamar Jackson. Back in 2023, the rookie …

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Oct 4 • 7:33 AM EDT • Sports • sports.yahoo.com
Zay Flowers’ availability could reshape Ravens’ attack against Titans

If Zay Flowers plays, his motion and explosive receiving ability could create opportunities for Baltimore’s other weapons against Tennessee

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Oct 4 • 12:21 AM EDT • Sports • sports.yahoo.com
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