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Tag: money

  • A look at the booming business of Taylor Swift and her brand

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    A look at the booming business of Taylor Swift and her brand – CBS News










































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    Taylor Swift’s new album “The Life of a Showgirl” is big business. It’s also breaking her own records, including several on Spotify. Ali Bauman shows how Swift is also queen of the box office this weekend.

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  • Faith Without Borders: Voice Over Services for Christian Media and the Role of Christian Translation Organizations

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    The Gospel message is timeless, but the way it reaches people is constantly changing. With media now playing a central role in evangelism, many ministries face the challenge of speaking to hearts across language and cultural divides. This is where solutions like voice-over services for Christian Media and the support of a trusted Christian translation organization become essential. They help churches and missionaries convey their message in a way that is both understandable and inspiring to believers everywhere.

    From Local Pulpits to Global Audiences

    Pastors and missionaries work tirelessly to prepare sermons, Bible studies, and discipleship resources. Yet without translation, these valuable teachings may remain confined to a single language. A short video sermon, for example, could reach thousands more if voiced in Spanish, French, or Swahili. With professional voice-overs, Christian media becomes engaging and accessible to audiences far beyond the walls of the local church.

    The Value of Faith-Based Translation

    General translation agencies often miss the depth of meaning behind biblical concepts. In contrast, a specialized Christian translation organization ensures that faith-based materials are not only linguistically accurate but also spiritually faithful. Whether translating hymn lyrics, mission training guides, or devotional apps, the focus is on keeping biblical truths clear and relevant. This attention to theological detail is what sets Christian Lingua apart.

    Why Voice Over Brings Scripture to Life

    Hearing Scripture or teaching in one’s native language has a profound effect. Voice-over services for Christian Media allow believers to connect emotionally, not just intellectually, with the message. Whether it’s an audio Bible, a worship video, or an online sermon series, the tone, passion, and authenticity of the speaker can be carried across cultures, making the message feel personal and alive.

    A Call to the Global Church

    The Great Commission reminds us that the Gospel is for “all nations.” By embracing translation and voice-over services, ministries take a practical step toward fulfilling that mission. At Christian Lingua, we have been blessed to partner with pastors, missionaries, and churches who want to see their message reach beyond borders.

    Your ministry’s voice matters. Partner with Christian Lingua today to share the hope of Christ in every language. Visit us at https://www.christianlingua.com/.

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    Robert

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  • Oregon Treasury To Send $3.5M In Unclaimed Funds To Residents—No Action Required – KXL

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    SALEM, Ore. — Thousands of Oregonians could soon find unexpected money in their mailboxes, thanks to a $3.5 million initiative from the Oregon State Treasury.

    State Treasurer Elizabeth Steiner, MD, announced Tuesday that the Treasury will automatically return unclaimed funds to verified residents this month through its annual “Checks Without Claims” program.

    “At Treasury, we are pleased to reunite thousands of Oregonians with their forgotten cash—especially since they don’t have to lift a finger to get it,” said Treasurer Steiner. “Our mission is to do more than just hold these funds—it’s to put them back in people’s pockets so they can thrive financially.”

    The checks—ranging from $50 to $10,000—will be sent to individuals whose unclaimed property was reported to the state between 2019 and 2023. Along with the check, recipients will also receive a confirmation letter from the Treasurer’s office.

    This is the second round of “Checks Without Claims” in 2025. Earlier this year, the Treasury reconnected more than 20,000 people with nearly $11 million in unclaimed money.

    Unclaimed property includes funds such as:

    More than $1 billion in unclaimed assets is currently held by the Oregon Treasury. While most people must file a claim to retrieve their funds, “Checks Without Claims” proactively sends money to individuals whose information the agency can confidently verify.

    According to national data, 1 in 7 Americans has unclaimed property. Oregon residents are encouraged to search for theirs anytime here.

    More about:


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    Jordan Vawter

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  • ‘Enough is enough!’: Tesco boss urges Rachel Reeves to avoid tax hikes

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    • Supermarket giant eyes £3.1bn annual profit after bumper summer sales  

    The boss of Tesco has warned the Chancellor that ‘enough is enough’ amid fears of more tax rises as the supermarket upgraded its annual profits.

    Britain’s biggest supermarket boosted profit expectations after fending off ‘competitive intensity’ in the market thanks to a scorching summer.

    But chief executive Ken Murphy warned shoppers are ‘worried’ about the November Budget and urged her to not whack retailers with higher costs again.

    Murphy said: ‘Our one ask is don’t make it harder for the industry to deliver great value for customers.

    ‘In the last Budget, the industry in the sector incurred substantial additional operating costs. We’re doing our best to deal with them. But enough is enough.’

    Retailers have been grappling with a £7billion increase in costs following last year’s Budget.

    Tesco chief executive Ken Murphy warned shoppers are ‘worried’ about the November Budget

    They have pleaded with Labour to help the sector through business rates reform.

    Murphy reiterated his call for large retailers to be excluded from a higher rate of tax in Labour’s rates reforms, arguing these ‘anchor’ tenants attract shoppers to the High Street.

    ‘All we’re asking is that the government follow through on its promise and make it a fair system,’ he said.

    The grocer said it now expects annual profits between £2.9billion and £3.1billion – an upgrade from an earlier forecast of between £2.7billion and £3billion.

    Earlier this year, the grocer pledged to take a hit to profits as it fired the starting gun on a supermarket price war in April.

    But good weather helped UK like-for-like sales rise 4.9 per cent in the first six months of the year, while it also poached shoppers from rivals.

    The supermarket now holds 28.4 per cent of the market, and has been attracting customers with its Aldi price match and Clubcard scheme.

    These gains helped to offset a hit in cost inflation, including Rachel Reeves’ raid on National Insurance contributions and a new packaging levy.

    ‘Competitive intensity remains high, and with continued pressure on household budgets, we remain committed to ensuring customers get the best possible value by shopping at Tesco,’ Murphy added.

    He said there was a ‘mixed sentiment among customers’ as the group prepares for its key Christmas trading period.

    ‘They are concerned. They are worried about the Budget, they’re worried about the economic outlook,’ he said.

    It comes as economists expect food inflation to remain above 5pc into next year, creating further pressure on households.

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  • Make your payment plan now to avoid utility shutoff this winter

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    Minnesota politicians react to government shutdown, and more headlines



    Minnesota politicians react to government shutdown, and more headlines

    04:58

    The thermometer may currently read 80 or 90 degrees, but now is the time when Minnesotans concerned about paying for energy costs this winter will want to create a payment plan so their heat isn’t turned off. 

    Although Minnesota has a Cold Weather Rule that prevents a utility service from being disconnected for both renters and homeowners, customers must also have a payment plan set up and maintained. The payment agreement will need to be agreed upon by both the customer and the company. 

    If a payment plan can’t be reached, customers can appeal under the Cold Weather Rule. According to CenterPoint Energy, a payment agreement will not only take into account the customer’s financial situation but also extenuating household circumstances. 

    Last month, the National Energy Assistance Directors Association released a report that projected a much higher price tag for heating costs this winter, with costs going up on average by more than 7.5% from last winter. 

    However, officials with NEADA say homeowners with electric heat are expected to see an even higher increase. The average price last winter was $1,093, and this year, NEADA projects that same average cost to be $1,205. That’s an increase of $112, or 10.2%.

    The Cold Weather Rule takes effect on Wednesday and lasts through April 30. If you want to create a payment plan, you should contact your utility provider to do so. 

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    Krystal Frasier

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  • Is Your Parenting Style Helping or Hurting Your Child? Try These Counseling-Based Techniques

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    Today, being a parent is no longer limited to following the age-old techniques and tricks to raise kids.

    You must explore new-age ways and tricks to create a supportive environment that fosters your child’s growth. But is your parenting style helpful, or is it hurting your child? Here’s all you need to know.

    Common Parenting Styles and Their Impact

    Helpful Parenting Styles

    • Friendly Parenting – Active listening and respecting boundaries.
    • Lead by Example Parenting – Teaching children by actions, and not just words.
    • Authoritative Parenting – Conducting emotional checks for balanced parenting.
    • Free Range Parenting – Allowing children to make decisions and solve issues on their own.

    Hurtful Parenting Styles

    • Overprotective Parenting – Limiting the child to play, go out and meet people due to worry.
    • Strict Parenting – Setting strict boundaries and limits for everyday activities.
    • Uninvolved Parenting – Neglecting the child and letting them be too independent.
    • Authoritarian Parenting – Encouraging excessive discipline but limited open communication.

    Must-Try Parenting Counseling Techniques For You

    Spend Quality Time With Children

    The first parenting counseling tip is to spend quality time with your children. Being involved with them on a daily basis will give you that much-needed time for regular check-ins, asking them about their day at school, and more. This will help you build a good relationship with them, where they look forward to spending time together.

    Encourage Them To Communicate Openly

    A good parenting counseling tip that will bridge any communication gap between you and your child is to create an atmosphere where everyone can talk freely. Encourage them to address their concerns, feelings, emotions, and thoughts openly with you.

    Set aside 10-20 minutes a day to ask them about their day, what they did, what they did or didn’t like, and how they are feeling, to build a trusting bond.

    Set Healthy and Flexible Boundaries

    Limiting the child with strict “No-Nos” is not a healthy practice, but leaving them fully free is also not ideal. Here, you must create a balance by instilling healthy and flexible boundaries. Instead of cutting their screentime as punishment, explain to them why they should watch less screen and see the change.

    You must also validate their concerns and fears instead of pushing them against their will, as that can confuse them and cause them to feel distant and neglected.

    Encourage Decision-Making

    Telling the child what to do in a specific situation does not contribute to their development. A healthy parenting counseling tip is to let them be independent as much as possible. For instance, for young kids, let them decide their next McDonald’s order, for teenagers, let them choose their clothes after school, and so on.

    The type of decisions they can make is up to you, but giving them some responsibility can help them become more responsible and confident.

    Be Patient With Them

    One underrated tip that can make a significant difference in your parenting is being patient with your child. Young minds are curious about too many things that they see every day. Instead of shutting their questions down, patiently understand where they are coming from.

    This way, they will develop a healthy dependence on you and your thoughts for assistance, as opposed to observing all the confusing information available on the internet.

    Set a Good Example

    Young children pick up habits and behaviors from their surroundings. So, instead of telling them what to do, start doing things you want them to adopt around them.

    For example, instead of forcing them to have milk before bed, start drinking a glass yourself, and soon, you will see them mimic the same behavior before bedtime.

    Why Does the Right Parenting Style Matter?

    Your parenting style directly impacts your relationship with your child, their growth and emotional awareness.

    By choosing a balanced approach, you can give your child a better environment to grow up in, along with the following benefits:

    • A trusting relationship between the parent and child
    • Open communication
    • Healthy boundaries
    • Mutual respect, etc.

    Conclusion

    Having a healthy relationship with your child is the biggest gift for both you and them. The way you treat them directly impacts how they grow up. Try to adopt the parenting counseling tips mentioned above and see the difference.

    For more expert advice on building stronger parent–child connections, this collection on Parenting Preparedness offers practical guidance.

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    Robert

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  • Exploring Ergonomic Pillow Designs for Neck and Back Support

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    A good night’s sleep is one of the most important contributors to overall wellbeing. Yet, many people wake up with stiffness, soreness, or ongoing discomfort in their neck and back. One of the simplest ways to address this issue is by choosing the right pillow. Ergonomic pillow designs have become increasingly popular, offering targeted support that encourages proper spinal alignment and relieves pressure. From contoured shapes to specialised leg pillows, these products are designed to create a more restorative sleep environment.

    Why Ergonomic Pillow Design Matters

    Traditional pillows often provide little more than cushioning, which may not be enough for those with chronic pain or posture-related issues. Ergonomic pillows, on the other hand, are shaped and structured to complement the natural curves of the body. By reducing strain on the neck, shoulders, and back, they help sleepers maintain neutral alignment, ultimately reducing discomfort and improving sleep quality.

    Types of Ergonomic Pillows for Neck Support

    Contour pillows: These feature a wave-like design that cradles the head and neck. They are especially beneficial for side and back sleepers who need consistent cervical support.
    Memory foam pillows: With the ability to mould to individual shapes, memory foam pillows reduce pressure points while keeping the spine aligned.
    Adjustable pillows: Filled with removable layers or inserts, these allow sleepers to fine-tune firmness and loft for optimal comfort.

    Supporting the Back with Specialised Pillow Designs

    While neck support is critical, back health should not be overlooked. Lumbar pillows and wedges are excellent for providing lower back support, particularly for people who sit for long hours during the day or experience pain while lying flat. Placing these pillows strategically can ease pressure on the spine, helping to reduce pain over time.

    The Role of Leg Pillows in Ergonomic Sleep

    Leg and knee support is another key aspect of ergonomic sleep. Using a pillow between or beneath the legs can promote better spinal alignment, reduce hip strain, and improve circulation. For side sleepers, a leg pillow between the knees helps keep the hips level, while back sleepers may benefit from elevating the legs slightly to reduce lower back pressure.

    Choosing the Right Ergonomic Pillow for You

    The right pillow depends on your sleeping position, personal comfort preferences, and any existing conditions. Side sleepers often need firmer, higher-loft options, while back sleepers may prefer medium support. Those with chronic pain may need specialised designs like wedges or cervical contour pillows.

    Final Thoughts

    Investing in ergonomic pillows is more than a matter of comfort—it’s an important step toward protecting spinal health and improving sleep quality. Whether you’re considering contour pillows for neck support, lumbar cushions for the back, or dedicated leg pillows to aid circulation and alignment, these thoughtful designs can transform the way you rest.

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    Robert

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  • Custom Cover Letter Generator: Create Tailored Letters in Minutes

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    Image source: pexels.com

    Have you ever felt stuck trying to write a cover letter for a job? It can be hard to know what to say or how to start. A well-written cover letter is important because it shows a potential employer why you are a good fit for the job.

    If you want to save time and create a letter that stands out, this blog post is for you. By reading on, you will learn how to use a custom cover letter generator to create tailored, professional letters in minutes and boost your chances of landing the perfect job today.

    What Is a Custom Cover Letter Generator?

    A custom cover letter generator is an online tool that helps you create a unique cover letter quickly. Instead of starting from scratch, you enter some information about yourself and the job you want.

    These generators often ask for details like your name, skills, experience, and the job description. Using a cover letter generator in no time can help you get past the hardest part of job hunting, which is writing a letter that matches each job.

    Why Tailored Letters Matter More Than Generic Ones

    Many people make the mistake of sending the same cover letter to every job. This can make employers think you are not really interested or that you did not put in much effort. A tailored cover letter shows that you understand the job and that you care about the company.

    When you customize your letter, you can highlight the skills and experiences that match the job description. A custom cover letter generator helps you do this quickly and easily.

    How To Use a Custom Cover Letter Generator Effectively

    Using a cover letter generator is simple, but there are ways to get better results. First, gather all the information you need. This includes your resume, the job listing, and details about the company.

    Next, enter accurate information into the generator. Be honest and clear about your skills and experience. After the tool creates the letter, read it carefully.

    Make sure it sounds like you and matches the job you want. You can always add your personal touch or fix small mistakes. This way, your letter will feel natural and professional.

    Benefits of Creating Letters With a Generator

    One big benefit of using a custom cover letter generator is saving time. Writing letters can take hours, especially when you want each one to be different. With a generator, you can have a letter ready in minutes.

    Another advantage is that the tool often uses correct grammar and a good format. This helps you avoid mistakes that can hurt your chances. Also, a cover letter generator can give ideas when you do not know what to write.

    Common Features of Custom Cover Letter Generators

    Most cover letter generators have similar features. They allow you to choose different styles or templates. This means you can pick a look that matches the type of job or company.

    Some tools suggest phrases or sentences that fit well with your information. Others check your letter for errors before you finish.

    Some generators offer advice or tips as you go along. These features help make the letter clear and strong. Knowing these features can help you pick the best generator for your needs.

    Tips to Make Your Cover Letter Stand Out

    Even when using a cover letter generator, it is important to add your own touch. Start by using the person’s name in the greeting if possible. This shows you did some research.

    Avoid repeating everything from your resume; instead, explain why your skills matter for the job. Use simple language that is easy to read but sounds professional. Keep your letter focused on the job and company, and avoid generic statements.

    Finally, end with a call to action, like saying you look forward to an interview. These small changes make a big difference.

    What To Avoid When Using a Cover Letter Generator

    While cover letter generators are helpful, there are some things to avoid. Don’t rely only on the tool to do all the work. Always review the letter and make changes if needed.

    Avoid copying a letter exactly without checking if it fits the job. Sometimes, the tool might use phrases that do not match your style or the company’s culture.

    Don’t forget to check for spelling and grammar errors even if the tool promises to fix them. Also, never lie or exaggerate your skills. Honesty is key to building trust with employers.

    How Tailored Letters Help You Get Interviews Faster

    When your cover letter matches the job and company, it grabs the attention of hiring managers. They see that you took the time to learn about the role and how you fit into it. This makes them more likely to invite you for an interview.

    Tailored letters show confidence and professionalism. Using a cover letter generator in no time can help you keep up with multiple job applications while still making each letter personal. This balance can increase your chances of getting called for interviews quickly.

    Right Cover Letter Generator for You

    There are many cover letter generators available online, so choosing the right one is important. Look for tools that are easy to use and offer good customization options. Some generators are free, while others require payment for extra features.

    Check reviews and ratings from other users to find a reliable tool. It’s helpful if the generator can save your letters so you can edit them later. Make sure it supports the type of job you want.

    Extra Ways To Boost Your Job Application

    Besides using a custom cover letter generator, there are other ways to improve your job applications. Make sure your resume is clear and well-organized. Use keywords from the job listing in both your resume and cover letter.

    This can help your application pass through computer screening systems. Practice your interview skills so you are ready when you get a call. All these efforts combined with a great cover letter can increase your chances of landing the perfect job.

    Unlock Your Job Search Potential With Tailored Letters

    A custom cover letter generator can help you write tailored, professional letters quickly and easily. It makes the writing process less stressful and helps you focus on what matters most. By using this tool and adding your own details, you show employers why you are the best choice.

    Tailored cover letters increase your chances of getting interviews and landing the job you want. Did this guide help you? Browse the rest of this section for more advice on a variety of topics.

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    Robert

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  • Reputed Mexican Mafia figure accused of brokering drug cartel alliance strikes plea deal

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    To hear prosecutors tell it, Jose Landa-Rodriguez was public enemy No. 1.

    A reputed Mexican Mafia member called “Fox,” Landa-Rodriguez was charged in three cases between 2011 and 2018. The allegations included a murder plot, overseeing rackets in the Los Angeles County jails and pursuing an alliance between his U.S. prison gang and a drug cartel from his home state of Michoacán.

    Landa-Rodriguez, 60, was acquitted in one federal case. But still facing life on state charges, he struck a plea deal that will see him deported back to Mexico after serving seven more years in prison.

    On Thursday, Landa-Rodriguez pleaded no contest in Los Angeles County Superior Court to making criminal threats and was sentenced to time served, his lawyer Nicholas Rosenberg said.

    L.A. County prosecutors had charged that Landa-Rodriguez, while incarcerated in a federal penitentiary for illegally reentering the country, sanctioned the killing of a rival’s underling.

    According to trial testimony, Landa-Rodriguez was locked in a power struggle with another reputed Mexican Mafia member, Arthur “Turi” Estrada, over who would collect money from drug sales on California prison yards.

    Landa-Rodriguez used coded language in an email to order a hit on an Estrada underling, prosecutors alleged. “Do not let him get into our backyards,” he wrote, according to prosecutors.

    Federal authorities alleged Landa-Rodriguez set his eyes on a racket far more lucrative than prison drug deals. In 2013, he was accused of trying to establish a methamphetamine pipeline with a cartel from his home state in western Mexico, La Familia Michoacana.

    According to recorded phone calls, La Familia’s leaders feared extradition and wanted the Mexican Mafia to protect them if they ended up in U.S. prisons. In exchange, the cartel promised a bottomless supply of cheap drugs that the Mexican Mafia could sell on American streets.

    Landa-Rodriguez was discussing the deal with a cartel representative in recorded prison calls when another Mexican Mafia member, Ralph “Perico” Rocha, heard about the negotiations. Facing extortion charges, Rocha had secretly cut a deal for a reduced sentence. He inserted himself into the talks, arranging meetings in a bugged office building that allowed federal agents to record every word.

    Suspicious that he was working for the authorities, Landa-Rodriguez told the cartel to stay away from Rocha. They were all indicted anyway.

    The case against Landa-Rodriguez and four other Mexican Mafia members was roiled when it emerged that Rocha had secretly recorded himself disparaging his government handlers. Landa-Rodriguez was acquitted of all charges in 2019.

    But the verdict didn’t mean Landa-Rodriguez walked out of jail.

    In 2013, prosecutors alleged in a second federal indictment, Landa-Rodriguez seized control of the Los Angeles County jail system, the country’s largest. According to prosecutors, he oversaw the lucrative schemes the Mexican Mafia uses to extract money from the 6,000 or so Latino prisoners who make up more than half of the county’s male inmate population.

    Landa-Rodriguez allegedly received a one-third cut of all drug sales within the jails, leading prosecutors to dub their investigation “Operation Dirty Thirds.” He was also accused of profiting from an extortion racket called “the kitty.”

    Landa-Rodriguez’s former right-hand man, Luis “Hefty” Garcia, testified in 2022 that every Latino inmate was required to contribute $1.50 worth of items — food, clothing or hygiene supplies — for every $7 spent at the commissary. The “kitty” is then resold, creating a secondary market within the jails that is cheaper than the commissary.

    “It may sound like a small amount,” Garcia said, “but in the big picture, it’s a large amount of money.”

    Every week, Garcia testified he collected $1,500 to $2,500 from “kitty” sales at Men’s Central Jail, $1,000 from Twin Towers and about $3,200 from the jail complex in Castaic known as Wayside, Garcia testified. This adds up to about $23,000 a month.

    After seven years of litigation, hearings and the trial of a co-defendant — Landa-Rodriguez’s former lawyer — Landa-Rodriguez pleaded guilty to racketeering in March.

    In his plea agreement, he admitted the Mexican Mafia engaged in murder, kidnapping, extortion, robbery and witness tampering to “promote a climate of fear” within the jails. He also acknowledged putting an unnamed rival on the “green light list” — the Mexican Mafia’s hit list — in 2015.

    In a sentencing memo, lawyer Vitaly Sigal said his client has been incarcerated since 1998. When Landa-Rodriguez was last free, Sigal wrote, “Bill Clinton was the president of the United States, the internet was a relatively new concept that needed to be accessed via dial-up modem [and] the top-grossing movie in the world was Titanic.”

    Sigal said Landa-Rodriguez plans to return home to Michoacán after serving his time and accepting deportation.

    The cartel with which Landa-Rodriguez once negotiated, now rebranded as La Nueva Familia Michoacana, was designated by the U.S. Treasury Department in April as a foreign terrorist organization.

    In August, Mexican authorities handed over Servando Gómez Martinez, a La Familia leader called “La Tuta,” to face drug trafficking charges in New York.

    But according to his lawyer, Landa-Rodriguez has no interest in prison politics or transnational criminal alliances. He dreams of returning to his family’s ranch, Sigal wrote, where he lived before coming to the United States at 15, before he ever joined a South L.A. gang or knew the inside of a jail cell.

    Today, “he seeks no power, status or conflict,” Sigal wrote. “Only the quiet dignity of growing old in the company of loved ones.”

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    Matthew Ormseth

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  • Supporters of redrawing California’s congressional districts raise tens of millions more than opponents

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    Supporters of the November ballot measure to reconfigure California’s congressional districts — an effort led by Gov. Gavin Newsom to help Democrats win control of the U.S. House of Representatives next year — have far out-raised the opposition campaigns, according to fundraising disclosures filed with the state.

    The primary group backing Proposition 50 raked in $77.5 million and spent $28.1 million through Sept. 20, according to a campaign finance report that was filed with the secretary of state’s office on Thursday.

    The committee has $54.4 million in the bank for the final weeks of the campaign, so Californian should expect a blizzard of television ads, mailers, phone calls and other efforts to sway voters before the Nov. 4 special election.

    The two main groups opposing the ballot measure have raised $35.3 million, spent $27.4 million and have roughly $8.8 million in the bank combined, campaign finance reports show.

    Despite having an overwhelming financial advantage, the campaign supporting Proposition 50 has tried to portray itself as the underdog in a fight to raise money against opposition campaigns with ties to President Trump and his supporters.

    “MAGA donors keep pouring millions into the campaign to stop Prop. 50 in the hopes of pleasing their ‘Dear Leader,’” said Hannah Milgrom, a spokesperson for the Yes on 50, the Election Rigging Response Act campaign. “We will not take our foot off the gas — Prop. 50 is America’s best chance to stop this reckless and dangerous president, and we will keep doing everything we can to ensure every Californian knows the stakes and is ready to vote yes on 50 this Nov. 4th.”

    A spokesperson for one of the anti-Proposition 50 campaigns, which was sending mailers to voters even before the Democratic-led California Legislature placed Proposition 50 on the November ballot, said their priority was to help Californians understand the inappropriateness of redrawing congressional boundaries that had been created by a voter-approved, state independent commission.

    “We started communicating with voters early about the consequences of having politicians draw their own lines,” said Amy Thoma, a spokesperson for a coalition that opposes the ballot measure. “We are confident we’ll have the resources necessary to continue through election day.”

    A spokesperson for the other main anti-Proposition 50 group agreed.

    “When you’re selling a lemon, no amount of cash can change the taste. We’re confident in raising more than sufficient resources to expose Prop. 50 for the blatant political power grab that it is,” said Ellie Hockenbury, an advisor to the No on 50 – Stop Sacramento’s Power Grab campaign. Newsom “can’t change the fact that Prop. 50 is nothing more than a ploy for politicians to take the power of redistricting away from the voters and charge them for the privilege at a massive cost to taxpayers.”

    The special election is expected to cost the state and the counties $282 million, according to the secretary of state’s office and the state department of finance.

    If approved, Proposition 50 would have a major impact on California’s 2026 congressional elections, which will play a major role in determining whether Trump is able to continue enacting his agenda in the final two years of his tenure. The party that wins the White House frequently loses congressional seats two years later, and Republicans hold a razor-thin majority in the House.

    After Trump urged GOP-led states, notably Texas, to redraw their congressional districts to increase the number of Republicans elected to Congress in next year’s midterm election, Newsom and other California Democrats responded by proposing a counter-effort to boost the ranks of their party in the legislative body.

    California’s congressional districts are drawn once every decade after the U.S. Census by a voter-approved independent redistricting commission. So Democrats’ proposal to replace the districts with new boundaries proposed by state lawmakers must be approved by voters. The state Legislature voted in August to put the measure before voters in a special election on Nov. 4.

    Polling about the proposition is not definitive. It’s an off-year election, which means turnout is likely to be low and the electorate is unpredictable. And relatively few Californians pay attention to redistricting, the esoteric process of redrawing congressional districts.

    There are more than 30 campaign committees associated with Proposition 50 registered with the secretary of state’s office, but only three have raised large amounts of money.

    Newsom’s pro-Proposition 50 effort has received several large donations since its launch, including $10 million from billionaire financier George Soros, $7.6 million from House Majority PAC (the Democrats’ congressional political arm) and $4.5 million from various Service Employees International Union groups. Former Google CEO Eric Schmidt and his wife have contributed $1 million to a separate committee supporting the proposition.

    The opposition groups had few small-dollar donors and were largely funded by two sources — $30 million in loans from Charles Munger Jr., who for years has been a major Republican donor in California, and a $5-million donation from the Congressional Leadership Fund, the GOP political arm of House Republicans.

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    Seema Mehta

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  • Why Engineering Quality Control is Crucial for Heavy Industry Projects

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    Small mistakes in heavy industry can lead to massive consequences. Without rigorous engineering quality, unwanted incidents become far more likely which jeopardise both timelines and lives. These aren’t just technical issues; they’re high-cost liabilities that can damage reputations. Quality lapses often start small like an overlooked weld, a misaligned component, but the ripple effects can stall entire projects. Proactive quality control isn’t just about ticking boxes; it’s a strategic safeguard for performance. In a high-stakes environment, investing in quality upfront is the smartest way to prevent costly setbacks later.

    The Role of Quality Control in Engineering Success

    Engineering quality control is the backbone of safe, and efficient industrial projects. From the first weld to final assembly, precise quality checks ensure components meet design intent and function under extreme conditions thus reducing the risk of failure. By processes at every stage, teams can catch errors early and maintain full alignment with regulatory and project standards. Whether it’s a high-pressure pipeline or a heavy-duty support structure, consistent quality control translates to safer outcomes.

    Risk Reduction Through Proactive QA/QC Measures

    Proactive quality assurance is one of the most effective ways to safeguard industrial projects from compliance failures. By implementing early-stage inspections, non-destructive testing, and documentation checks, teams can detect potential issues before they escalate which results in avoiding regulatory penalties. For example, identifying weld inconsistencies during fabrication can prevent shutdowns or structural failures down the line. These early interventions help maintain momentum across complex project phases and instill greater confidence among stakeholders. In high-pressure environments, proactive QA/QC isn’t just a best practice, it’s a strategic advantage for delivering safe, on-spec results on time.

    Cost Control and Operational Efficiency

    Robust quality control isn’t just about safety, it’s a powerful tool for controlling costs and streamlining operations. By catching defects before they reach critical phases, teams can significantly reduce rework which erodes profit margins. Let’s say an early detection of dimensional inaccuracies in structural components can prevent full-system reassembly or costly on-site modifications. These upstream interventions improve labour efficiency in large-scale industrial projects, where downtime carries a hefty price tag, investing in quality control upfront delivers measurable savings and keeps operations running at peak efficiency.

    Supporting Long-Term Asset Performance

    The true value of quality control extends far beyond project completion, it directly impacts the lifespan and reliability of industrial assets. When components are installed to exacting standards, they’re less prone to early failure.

    A precision weld inspections during construction can prevent fatigue-related cracks that compromise performance years down the line. By embedding QC early in the asset lifecycle, teams can reduce unplanned outages. In environments where uptime is critical, quality control becomes a long-term investment in operational resilience and asset durability.

    Choosing the Right Quality Control Partner or System

    Selecting the right quality control partner or system can make or break your project’s success. Look for providers with proven experience in your sector, recognised certifications, and the ability to deliver consistent, data-backed results. The right partner will not only meet compliance standards but also help you streamline inspections, reporting, and issue resolution.

    Engineering Excellence Starts with Quality Control

    In heavy industry, quality control is a strategic investment that drives long-term success. By evaluating your current QA/QC approach and strengthening weak points, you can deliver consistently high-value outcomes. The path to engineering excellence starts with quality.

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    Robert

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  • CRM for Nonprofits: Managing Donors, Volunteers, and Campaigns

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    Successfully running a nonprofit requires meticulous organization, strategic planning, and robust connections with donors and volunteers. Many organizations struggle with disorganized data, missed donor opportunities, and labor-intensive manual processes. This limitation can impede growth and diminish the efficacy of campaigns.

    A CRM for nonprofits offers a robust solution. It helps centralize donor information, manage volunteers, and track campaigns-all from one system. Utilizing the right CRM allows nonprofits to fortify relationships, streamline processes, and elevate fundraising. Keep reading to see how this tool can transform your organization’s daily operations.

    What Is CRM for Nonprofits?

    A nonprofit CRM is specialized software designed to manage donors, volunteers, and supporters within a unified system. It lets nonprofits send personal messages, track campaigns, and organize volunteers. This saves time and allows them to focus more on their mission.

    Managing Donors Effectively

    Donors are the heart of any nonprofit, and keeping them engaged is key to long-term success. A CRM tracks every donation, showing which supporters give most often. This helps nonprofits understand their donors and build stronger relationships.

    A CRM also enhances communication by making it simpler and more personable. It allows nonprofits to send messages based on donor history or interests. Inactive donors can be reached with reminders or event invites to keep them involved.

    Organizing Volunteers with Ease

    Volunteers are vital, but managing their schedules and skills can be hard. A nonprofit CRM keeps all volunteer information in one place, including contacts, skills, and event history. This makes it easy for staff to find what they need quickly.

    A CRM also helps match volunteers to tasks and events based on availability. This ensures the right people are in the right roles and reduces last-minute changes. It makes running events smoother and easier.

    CRMs also track volunteer activity and contributions. Organizations can see who is actively involved and recognize their efforts. When volunteers feel appreciated, they are more likely to stay engaged.

    Running Successful Campaigns

    Campaigns are key to nonprofit growth, including fundraisers, awareness events, and online drives. A CRM helps organize all campaign data in one place. This makes it easier for nonprofits to plan and run campaigns effectively.

    With a CRM, nonprofits can send messages based on donor history, interests, or demographics. They can track donations, pledges, and participation in real time. After the campaign, Mightycause streamlines fundraising and performance tracking.

    Beyond Operations: Strengthening Impact

    A nonprofit CRM does more than save time-it boosts impact. By simplifying tasks, staff can focus on their mission. This strengthens donor loyalty, keeps volunteers engaged, and improves campaign results.

    Many CRMs link with marketing tools, email systems, and accounting software, reducing extra work. Staff get a clear view of operations and fundraising in one place. This creates a stronger organization ready to grow and achieve more.

    Take Your Nonprofit Further with CRM

    A CRM for nonprofits is more than a convenience-it’s a necessity today. It helps manage donors and volunteers efficiently. The right system saves time, improves relationships, and boosts impact.

    If you’re ready to streamline operations and strengthen your community, now is the time to explore CRM solutions. And don’t stop here, continue reading our blog for more practical tips and strategies designed to help nonprofits thrive.

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    Robert

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  • ‘Snowball method’: How starting small can help motivate you to pay off debt

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    Debt can easily snowball out of control. With Americans owing more than a trillion dollars in credit card debt, an unexpected medical bill, a car repair or utility bill can be overwhelming.

    But there’s one strategy that can help consumers take control of their finances — by celebrating the small wins. And it begins with starting small.

    It’s called the “snowball method.” It works by paying off the smallest debts first, then moving up to the bigger balances.

    Finding “the one” is getting fairly expensive — a recent survey from badcredit.org shows one in five singles is going into debt for love.

    “The idea is that maybe you pay off that $500 store credit card bill, and then you’re more motivated to take on the $1,000 debt or the $2,000 debt,” said Ted Rossman from Bankrate.

    He explains this payoff method is all about creating a goal and sticking to it.

    “It’s kind of like if somebody goes on a diet or they want to hit the gym after New Year’s — you need to get in that habit,” Rossman said. “If the snowball helps you get in the habit of paying off these debts, even if it may not be the mathematical right answer, it might be the right answer for you from a motivational standpoint.”

    To start, make a list of all credit card balances from lowest to highest. Then, start making the minimum payment on all balances, except for the smallest one. That’s the debt that one will want to make extra payments towards.

    “The biggest benefit of the debt snowball is the quick win,” said Rossman. “And the fact that you feel like, ‘OK, great, I got a win under my belt.'”

    When that debt is paid off, pay the next smallest debt and repeat.

    “The snowball contrasts with another winter metaphor, the ‘debt avalanche method,'” Rossman said. “The avalanche involves sorting from highest interest rate to lowest. And the avalanche is going to save you more money mathematically because you’re paying down the highest interest rates first.”

    By staying focused on the payoff goals and not adding new unnecessary debts, existing debts should slowly melt away.

    “Sometimes you can switch back and forth or even do multiple things simultaneously,” said Rossman. “Regardless of the payoff method you choose, you do also likely have to make some lifestyle modifications just to make sure that you don’t go back there. There’s an industry saying that credit cards are like power tools. They could be really useful or dangerous.”

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    Ale Zimmermann and Bianca Beltrán

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  • Gen X’s Retirement ‘Blind Spot’ Derails Financial Plans: Report | Entrepreneur

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    As the oldest members of Gen X continue to turn 60 this year, the so-called “sandwich generation” is getting closer to the typical age for retirement (62, on average).

    Unfortunately, many Gen X professionals lack the financial resources to retire well.

    Just 54% of Gen X savers said they’re on track for retirement, the lowest percentage of any generation, according to a BlackRock report.

    Related: 25% of Boomers Face a Bleak Retirement — Are You Making the Same Mistakes?

    An annual research study from Northwestern Mutual casts the spotlight on some of Gen X‘s most pressing retirement issues as the group approaches its golden years.

    First, Gen Xers said they’d need $1.57 million to retire comfortably, or $310,000 more than the “magic number” national average, according to the research.

    More than half (56%) of Gen Xers thought they’d likely outlive their savings, while just 40% of Boomers and beyond felt the same, per the report.

    Related: The National Average Salary Is About $65,000. Here’s What Americans Are Saving for Retirement — How Do Your Stats Compare?

    Across all generations, Gen X was the least likely to report the expectation of an inheritance.

    Additionally, Gen X respondents were more concerned than millennials or Boomers about paying off their mortgage: 25% compared to 24% and 18%, respectively.

    Gen X also reported less understanding of some critical factors that could impact their retirement plans. For example, they had a looser grasp on how inflation (53%) and taxes (49%) could affect their financial plans, compared to 66% and 62% of Boomers.

    Related: Retirees Will Likely Outlive Their Savings in 5 States, Falling Short By Up to $448,000. Here’s Where They Have Better Odds.

    What’s more, 50% of Gen X admitted to a “common blindspot” when it comes to managing their finances: They said they’d prioritized building wealth without doing enough to protect their assets. Just 35% of Boomers felt the same.

    “Growth without protection can leave people vulnerable,” Jeff Sippel, chief strategy officer at Northwestern Mutual, said. “Especially as you get older, safeguarding what you’ve built is just as critical as continuing to build. A holistic plan should account for both.”

    As the oldest members of Gen X continue to turn 60 this year, the so-called “sandwich generation” is getting closer to the typical age for retirement (62, on average).

    Unfortunately, many Gen X professionals lack the financial resources to retire well.

    Just 54% of Gen X savers said they’re on track for retirement, the lowest percentage of any generation, according to a BlackRock report.

    The rest of this article is locked.

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    Amanda Breen

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  • I Fell for a $1.25 Million Scam — Now MrBeast Is Helping Me Hunt Down the Scammers | Entrepreneur

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    Opinions expressed by Entrepreneur contributors are their own.

    This is hard to admit, but I got scammed out of $1.25 million.

    The money is gone, and I can’t get it back. But instead of hiding, I’ve decided to share my story. My recent post on X about the $1.25 million scam went viral with more than 4 million views and thousands of reposts and comments.

    MrBeast even chimed in that he would give a $100,000 reward to anyone who could help track down the scammers.

    Now that I’ve had even more time to process the situation, I think it’s time to share the lessons I’ve learned from my $1.25 million mistake.

    How it began

    A few years ago, I donated $1.2 million to MrBeast’s #TeamSeas campaign to help clean up the oceans. After the donation, I was invited to spend a few days with Jimmy (MrBeast) and his team.

    So, when they reached out to me again for a donation to MrBeast’s Team Water campaign, I naturally wanted to help. During the discussion, we even talked about planning another meet-up.

    A few weeks after I donated $1 million to the project, I was added to what looked like a private group text with other major donors; it didn’t feel out of place at all. In fact, it seemed like the natural next step.

    The group looked legitimate. The names were impressive: Mark Rober, Shopify’s Tobi Lütke, Stake’s Ed Craven, Adin Ross. There was banter, casual voice notes and even more talk about the donor trip. It all lined up with what I’d been expecting — and I felt like I was in the “cool crowd.”

    Then came the pitch: a crypto investment tied to a major exchange. Everyone in the group “joined.” I didn’t want to be the outsider. So I wired the money. $1.25 million.

    Later, I checked in with the real Jimmy and felt my stomach drop. The group text was fake. My money was gone.

    Related: The 3 Biggest Mistakes That Made Me a Better Entrepreneur

    Lesson 1: Don’t make big decisions when you’re distracted

    When the scam was unfolding, I was away at a retreat that I’d been planning all year. This was terrible timing for me, but perfect for the scammers.

    I was relaxed and in the completely wrong headspace for any major decisions. My guard was down, and I was the perfect target.

    Having reviewed the texts afterward, I see several red flags that would have given me pause any other day. However, I was distracted and made a rash decision.

    Tip: Don’t make major decisions when you’re distracted, traveling or emotionally charged. Give yourself the space and energy to sit with the choices and only make a decision with a clear head.

    Lesson 2: Listen to reality, not the story you’re telling yourself

    When I was added to the text group, I honestly wanted it to be real. I’d talked with MrBeast’s team previously about planning a trip, and my brain connected the dots, telling me this was all part of the plan.

    This also had me overlooking red flags. I didn’t verify the phone numbers, and I didn’t double-check anything. I trusted what I wanted to be true instead of what the evidence showed. I was naive, and it cost me $1.25 million.

    Entrepreneurs make this same mistake all the time. We fall in love with our product, our marketing strategy or our “next” big idea. When our customers and data tell us otherwise, we often struggle to accept that reality and continue pushing what we want instead of what is right.

    Tip: Don’t fall in love with the story you tell yourself. Trust the data, trust what your customers are telling you, and be willing to adjust or pivot.

    Lesson 3: Don’t be afraid of mistakes — share them

    This was easily the most embarrassing mistake of my life. I’m a successful entrepreneur, and I made more than $50 million before 30 — being scammed was not supposed to happen to me.

    But, it did.

    The easiest way to deal with this mistake would be to hide it. But, I didn’t.

    Instead, I shared it. First with my family and close friends, then publicly online. The responses ranged from “idiot” to “martyr,” but overwhelmingly, people appreciated the honesty. Some even admitted they’d been scammed too, but had never told anyone.

    And then something unexpected happened: MrBeast himself spoke up. He offered a $100,000 reward for credible information leading to the scammers.

    Sharing reframed the story. From personal embarrassment to a community problem worth solving.

    Tip: Don’t hide from your mistakes. Own them, talk about them, and turn them into lessons others can learn from.

    Related: Beware of SEO Scammers — Here’s How to Spot and Avoid Mediocre SEO Agencies

    Final thoughts

    I’ll never see the $1.25 million I lost again. But I can use it as the most expensive learning experience of my life.

    If you take nothing else from my story, take these:

    1. Don’t make important decisions while distracted.
    2. If it’s too good to be true, it probably is.
    3. Don’t be afraid to talk about your mistakes.

    If you’re curious about how this scam actually played out, I’ve made everything public. On Great.com, we’ve posted the full chat logs, the wallet addresses and even the phone numbers tied to the scammers. You can see exactly what I saw — and if you spot something that could help track them down, you could earn the $100,000 reward from MrBeast.

    This is hard to admit, but I got scammed out of $1.25 million.

    The money is gone, and I can’t get it back. But instead of hiding, I’ve decided to share my story. My recent post on X about the $1.25 million scam went viral with more than 4 million views and thousands of reposts and comments.

    MrBeast even chimed in that he would give a $100,000 reward to anyone who could help track down the scammers.

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

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    Erik Bergman

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  • How to Stay Sun-Safe While Staying Active

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    Spending time outdoors is one of the best ways to support your health and wellbeing, but it also increases your exposure to harmful ultraviolet (UV) rays. Whether you are running, cycling, or playing sport, long hours in the sun can quietly damage your skin over time. Excessive UV exposure is the leading cause of skin cancer in Australia, making prevention an essential part of an active lifestyle. By adopting simple, consistent habits now, you can continue enjoying outdoor activities with confidence, knowing you are protecting both your skin and your long-term health.

    Tip 1: Choose the Right Sunscreen for Your Activity

    Selecting the correct sunscreen is one of the most effective ways to guard against sun damage during exercise. Look for a broad-spectrum sunscreen with an SPF of at least 30, which protects against both UVA and UVB rays. If you are running, cycling, or playing sport, opt for a water- and sweat-resistant formula so protection lasts through movement and perspiration. Apply generously 20 minutes before heading outdoors, covering all exposed skin, including ears, neck, and the back of hands. Reapply every two hours—or more often if sweating heavily—to maintain effective coverage. Consistency is key.

    Tip 2: Protect with Clothing and Gear

    Protective clothing provides a strong barrier against the sun while still allowing you to stay active and comfortable. Choose lightweight, breathable fabrics with a UPF (Ultraviolet Protection Factor) rating, which block harmful rays without overheating your body. A wide-brimmed hat offers shade for your face, ears, and neck, while wraparound sunglasses shield your eyes from UV exposure that can contribute to long-term eye damage. For sports or high-intensity activities, select gear designed to stay cool and wick away sweat. With the right clothing and accessories, you can enjoy your outdoor pursuits while reducing unnecessary sun exposure.

    Tip 3: Be Smart About Timing

    The timing of your outdoor activity makes a significant difference to your skin’s safety. UV levels peak between 10 am and 4 pm, when the sun’s rays are at their strongest. By scheduling exercise for early morning or late afternoon, you can reduce direct exposure and still enjoy the benefits of being outdoors. When training or competing during peak hours cannot be avoided, seek shade whenever possible and take regular breaks to cool down. Adjusting your schedule even slightly can dramatically cut your risk, allowing you to stay active while protecting your skin health.

    Tip 4: Stay Hydrated and Skin-Aware

    Hydration supports overall health and plays a role in maintaining skin resilience under the sun. Drinking water before, during, and after outdoor activity helps your body regulate temperature and reduces the risk of heat-related stress. Beyond hydration, it is essential to remain aware of changes to your skin. Perform regular self-checks to look for new or altered moles and spots, as these may signal early warning signs of skin cancer. Booking a professional skin check provides an added layer of protection, ensuring any concerns are assessed promptly and accurately by a qualified expert.

    Practical Extras for Everyday Sun Safety

    Small, consistent steps can make sun safety effortless. Keep a travel-sized sunscreen in your gym bag, car, or backpack so reapplication is never forgotten. Build short breaks into your activity to reapply protection or adjust gear. Choose routes or training spaces with shaded areas, reducing unnecessary exposure. Normalising these habits turns protection into second nature, much like stretching before exercise or drinking water during sport. Simple routines make a lasting difference. By weaving sun safety into your daily activities, you can enjoy the outdoors with confidence while protecting your long-term health.

    Protect Your Skin, Protect Your Health

    By making sun safety a routine part of your active lifestyle, you can enjoy the outdoors without compromising your wellbeing. Simple, consistent habits like sunscreen, protective clothing, and mindful timing—offer lasting protection. Professional skin checks provide extra reassurance, helping detect concerns early and keeping your skin healthy for the long term. Protecting your skin today ensures you can stay active, confident, and healthy well into the future.

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    Robert

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  • Why Booking a South Africa Safari Holiday is Worth It

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    Imagine the sun rising over an open savanna, casting a golden glow on the landscape as you spot a herd of elephants making their way to a waterhole. A South Africa safari isn’t just a holiday; it’s a profound experience that connects you with nature in a way few other trips can.

    It offers a unique blend of adventure, relaxation, and discovery that leaves a lasting impression. For many, a safari is a once-in-a-lifetime journey. It’s an opportunity to step away from daily routines and enter a world where nature reigns supreme.

    This guide will discover six compelling reasons why a safari in South Africa should be at the top of your travel list.

    Witness Wildlife in Their Natural Habitat

    Seeing animals in their natural environment is a powerful experience that a zoo simply cannot replicate. On a South African safari, you can watch a lion pride stalking its prey, a giraffe gracefully nibbling on acacia leaves, or a rhino mother protecting her calf.

    These are unscripted moments of pure nature that create a deep appreciation for the animal kingdom and its intricate balance.

    Experience Diverse Landscapes

    South Africa’s geography is remarkably varied, offering much more than just the classic savanna. You can find yourself in the dramatic Drakensberg Mountains, the lush wetlands of iSimangaliso, or the semi-arid plains of the Karoo.

    While some destinations like the Thailand all inclusive resorts offer beautiful beaches, South Africa provides a spectrum of natural settings. This variety ensures that every day of your safari brings new scenery and different wildlife, keeping the adventure fresh and exciting.

    Each region has its own unique ecosystem and photographic opportunities, making it a dream for nature lovers.

    Support Conservation Efforts

    When you choose a reputable safari operator, a portion of your travel costs often goes directly toward wildlife conservation and anti-poaching initiatives. This means your holiday actively contributes to protecting endangered species like rhinos and elephants for future generations.

    Your trip becomes a meaningful investment in the preservation of South Africa’s precious natural heritage, making your experience both enjoyable and impactful.

    Immerse Yourself in Rich Cultural Experiences

    A safari in South Africa offers more than just wildlife viewing; it’s a chance to connect with the local culture. Many lodges and tour operators partner with nearby communities, providing opportunities to visit villages, learn about traditional customs, and meet the people who call this land home.

    These interactions offer a deeper understanding of the region’s history and heritage, enriching your travel experience far beyond the safari vehicle.

    Disconnect from the Everyday

    In a constantly connected world, a safari offers a rare chance to truly unplug. With limited or no Wi-Fi in many remote lodges, you are encouraged to put away your devices and be fully present in your surroundings.

    This digital detox allows you to reconnect with yourself and the natural world, trading screen time for stunning sunsets and the sounds of the African bush at night. It’s a refreshing reset for the mind and soul.

    Create Extraordinary Memories

    A South Africa safari is a journey filled with moments that will stay with you forever. The thrill of spotting the “Big Five”, the serenity of a sunset over the bushveld, and the warmth of the local hospitality all combine to create a truly magical experience.

    These memories are not just photos on a camera; they are powerful stories and feelings that will inspire you long after you’ve returned home.

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    Robert

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  • Ohio businesses, families navigate rising utility bills amid technology boom

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    DUBLIN, Ohio — As technology companies expand across Ohio, rising electricity demand is pushing utility bills higher for families and businesses. Experts and small business owners say it is too soon to know whether the long-term benefits of tech growth will outweigh the immediate costs.


    What You Need To Know

    • Utility transmission costs in parts of Ohio have risen more than 350% in recent years, straining households and small businesses

    • Experts say demand from new data centers and artificial intelligence is adding pressure to the state’s aging power grid

    • It remains uncertain whether long-term job creation and investment in tech will balance out the higher costs


    For Enas Lanham, owner of the Dublin Toy Emporium, higher power bills are just one more challenge on top of inflation and tariffs. She said that her utility costs have been steadily climbing.

    “It’s been a gradual increase, I’d say, since 2022. And then it just continued to increase over that time,” Lanham said.

    To keep her store running, Lanham has relied on creativity, including hosting events and finding new ways to attract customers.

    “Constantly reevaluating ways to either generate more revenue or creative ways to get people in. So I look at it more as just, you know, regular problem solving,” she said.

    Her experience reflects a broader trend across the state. In some areas, transmission costs have risen by more than 350% over the past decade, according to energy leaders. The state’s power grid, which is more than a century old, is struggling to keep up as artificial intelligence and data centers drive up demand.

    “Demand is going up. Supply is going down, which is creating elevated prices. Additionally, in June, we’re seeing a large jump in what we call capacity. And that is a charge that all ratepayers pay,” said Susanne Buckley, partner at Scioto Energy.

    Still, some energy experts remain optimistic.

    “I see it as a positive story. Certainly. We need to be concerned about rising electricity prices and bring those back in control. You can do that with competition and innovation,” said John Seryak, managing partner at Runner Stone.

    At the Ohio Manufacturers’ Energy Conference, experts cautioned that it is still too early to say if new technology investments will create enough jobs or growth to offset higher utility bills. The projects remain in their early phases, and the full impact could take years to measure.

    In the meantime, experts recommend several steps for consumers: shop for competitive energy suppliers, stay on top of energy plans and rates, track usage during peak hours, and use energy-saving measures such as adjusting thermostats or switching to efficient lighting.

    For Lanham, the issue comes down to fairness.

    “But these big businesses, they’re the ones that really have the funds to manage that. So I think a lot of it is just looking at it from a monetary system and a fairness in terms of being able to have the average American be able to support their families, support their business and to succeed,” she said.

    Families and small business owners across Ohio are bracing for what comes next, hoping today’s challenges lead to tomorrow’s opportunities.

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    Saima Khan

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  • Smart Habit Tracking: AI Alerts for Your Personal Progress Dashboard

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    We have all experienced that feeling of excitement when we set a new goal! We start by downloading the latest habit-tracking app, buying a crisp new journal, or sticking a motivational poster on the wall. Whether it is drinking eight glasses of water, meditating for ten minutes, or writing 500 words a day, the initial enthusiasm is a powerful force. We diligently check off the boxes for the first few days, maybe even a week. The streak becomes a badge of honor.

    Then life intervenes with a busy day, an unexpected errand, or just plain fatigue disrupts our progress. Missing a day breaks the once-pristine streak. Guilt creeps in, motivation fades, and soon the app or journal is abandoned.

    The fundamental flaw in traditional habit tracking is not the intention; it is the implementation that goes a long way. Most systems are passive. They are digital ledgers, patiently waiting for you to report your successes or failures. They are reactive, not proactive. They show you the data, but they rarely provide the wisdom.

    But what if your habit tracker could be more than just a passive observer? What if it could be an active, intelligent partner in your journey of self-improvement? Welcome to the new era of personal development, enhanced by Artificial Intelligence. Smart habit tracking, which leverages powerful AI services to provide AI-driven alerts and dynamic progress dashboards, is transforming the way we build a better version of ourselves.

    The Limits of the Humble Checkbox

    For decades, the core principle of habit tracking has been based on Jerry Seinfeld’s “Don’t Break the Chain” method. While effective in its simplicity, this model has significant limitations in our complex, data-rich world:

    • Insight Scarcity: A calendar full of ‘X’s tells you that you did something, but it does not tell you why or how. It does not reveal the hidden patterns. Did you consistently miss your morning run on days following a late night? Did your writing output double on days you meditated? A simple checkbox cannot connect these dots.
    • The “All-or-Nothing” Mindset: Breaking a long streak can feel catastrophic, leading many to abandon the habit altogether. This rigid system doesn’t account for the nuances of human life. It punishes deviation instead of encouraging recovery.
    • Generic Reminders: “Don’t forget to drink water!” Your phone pings you with a generic reminder at 2 PM. It is the same reminder everyone else gets, regardless of your personal schedule, current activity, or actual hydration levels. More often, these “dumb” notifications become background noise we learn to ignore.
    • Reactive Analysis: You are the one responsible for looking at the data and figuring out what went wrong. It requires a level of self-awareness and discipline that is often in short supply, especially when you are already struggling with a habit.

    Enter AI: Your Personal Data Scientist and Coach

    Imagine having a personal coach who watches over your progress 24/7, understands your unique rhythms, and offers tailored advice at the exact moment you need it. This is the promise of AI-integrated habit tracking. By leveraging machine learning algorithms, these smart systems move beyond simple data logging to provide predictive, personalized, and actionable insights.

    The AI does not just see a collection of data points; instead, it recognizes a pattern. It analyzes your inputs of habit completions, journal entries, sleep data from your watch, and meetings from your calendar to understand the intricate web of your life. It becomes your personal data scientist, dedicated to one subject, and that’s you.

    This intelligent analysis fuels the two most revolutionary features of modern habit-tracking platforms – AI alerts and the smart personal progress dashboard.

    The Power of the Smart Alert: More Than Just a Nudge

    The difference between a standard reminder and an AI-powered alert is the same as that between a generic road sign and a GPS offering a real-time detour around a traffic jam. Smart alerts are all about context and timing.

    Here’s how they are changing the game:

    Predictive Alerts: By recognizing your past patterns, the AI can anticipate future challenges.

    • Example: The system notices you almost always skip your 30-minute reading goal on days you have back-to-back meetings after 3 PM. It might send an alert at 11 AM: “Your afternoon looks busy today. It’s a great time to get your reading session in now to stay on track.”

    Contextual Alerts: These systems can integrate with your phone’s other functions, like GPS and your calendar, to provide hyper-relevant nudges.

    • Example: You have set a goal to go to the gym three times a week. Your phone’s GPS notes that you are driving past your gym on your way home from work, and your calendar shows you have no evening appointments. You might get an alert: “You’re just two minutes from the gym, and your evening is free. Perfect chance for a workout!”

    Motivational Alerts: The AI learns what kind of encouragement works for you. Instead of just celebrating a streak, it can frame your progress in more meaningful ways.

    • Example: “Great job hitting your water intake goal! This is the 15th day of this month. At this rate, you are building a truly automatic healthy habit.” This reframes the effort from a daily chore to a long-term identity shift.

    Course-Correction Alerts: This is where AI truly shines as a coach. When you stumble, it helps you get back up intelligently.

    • Example: You have missed your “code for one hour” goal for two days in a row. Instead of a guilt-inducing “You broke your streak!” message, a smart alert might say: “Life can get in the way. How about we aim for a manageable 20 minutes today just to regain momentum? Small wins are powerful.” This approach champions consistency over intensity and prevents total abandonment.

    The Intelligent Dashboard: Your Progress Story, Visualized

    The second pillar of this revolution is the smart dashboard. It transforms that static grid of checkmarks into a dynamic, interactive command center for your personal growth. It does not stand just as the past record but also as a blueprint for future moves.

    An intelligent dashboard provides:

    • Correlation Insights: This is the magic bullet. The dashboard can generate charts that overlay different habits and data streams. You might see a clear visual correlation between the days you get 7+ hours of sleep and the days you successfully complete your “no sugar” goal. This data-driven proof is far more compelling than a mere hunch.
    • Holistic Well-being Metrics: By integrating with health apps like Google Fit or Apple Health, sleep trackers, and even mindfulness apps, the dashboard can present a unified view of your well-being. It can show how your new meditation habit is impacting your resting heart rate or how your hydration goal is affecting your reported energy levels.
    • Dynamic Goal Adjustments: The AI can analyze your performance and suggest data-backed adjustments. If you are consistently exceeding your goal of reading 20 pages a day, it might suggest increasing it to 25. Conversely, if you are consistently failing a goal, it might recommend breaking it down into a smaller, more achievable “micro-habit.”
    • Trend Forecasting: Based on your current trajectory, the dashboard can project your progress over the next few months, showing you the powerful cumulative effect of your daily actions. Seeing a projection of how many books you’ll have read by the end of the year can be a powerful motivator.

    The Human in the Loop: AI as a Partner, Not a Dictator

    It is normal to be concerned about privacy and autonomy. The trick is to see this technology as a partner and not a tyrant. You are always in control. You decide which data to share and which advice to follow. The AI’s role is to illuminate the path and offer intelligent suggestions; your role is to walk this road. The best platforms are built with privacy at their core, ensuring your personal data is secure and used only to benefit you.

    The future of personal development is proactive, personalized, and compassionate. We are moving away from rigid, one-size-fits-all systems and toward intelligent frameworks that understand and adapt to our unique human experience. By harnessing the power of AI, we can finally transform our habit trackers from simple scorecards into wise, data-driven companions on our lifelong journey of growth. The goal is no longer just to avoid breaking the chain but to build a stronger, more resilient, and more self-aware you.

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    Hazel Parkery

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  • Midwest homeowners with electric heat may see a chilling 20% increase in bill

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    For those who like to crank the thermostat up during the winter, a new report showing data for the Midwest and other parts of the country says you should be prepared for a much higher price tag this season if you have electric heat. 

    Friday’s report from the National Energy Assistance Directors Association says that on average, heating costs will increase by more than 7.5% from last winter across the country, from $907 to $976. However, officials with NEADA say homeowners with electric heat are expected to see an even higher increase. 

    The average price last winter was $1,093, and this year, NEADA projects that same average cost to be $1,205. That’s an increase of $112, or 10.2%.

    The association says electrical bill increases are due to the construction of large data centers, the rising cost of natural gas as well as maintaining and upgrading the electrical grid. 

    The report went on to break down estimated winter heating costs by region by using regional temperature and price projections. In the Midwest, electric heat users on average spent $1,251 last winter, according to the report, which projects this winter to cost $1,498. That’s an increase of $246, or nearly 20%. 

    Meanwhile, natural gas users in the Midwest should see an average increase of $99, while propane users should see an increase of about $5. Those are increases of 16.4% and 0.5% from last winter, respectively. 

    Since the winter of 2021-2022, NEADA says the average winter heating cost has risen by 31% for electric users and 26.5% for those who use natural gas. 

    According to NEADA, roughly 21 million households are behind on energy bills. Nationally, 3 million homes had their energy shut off in 2023, and another 3.5 million followed suit in 2024. This year, that number could reach 4 million.

    In Minnesota, a state law known as the Cold Weather Rule prevents utility services from being shut off from Oct. 1 to April 30, while the Extreme Heat Law makes sure electricity isn’t turned off when temperatures reach excessive heat levels. However, to make sure your service isn’t disconnected, a payment plan must be made and agreed upon by the user and the utility company. A payment plan can be set up at any time during the Cold Weather Rule season. 

    Note: The above video first aired on Sept. 15. 

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    Krystal Frasier

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