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Tag: money

  • Comfortable Living Solutions Designed for Students

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    Every student wants to thrive academically while also enjoying their university experience to the fullest. Balancing coursework, extracurricular activities, and social engagements can be quite challenging.

    What if there were comfortable living solutions specifically designed to support students in this dual endeavor? These specialized housing options not only provide modern amenities but also foster a supportive community that can enhance both learning and socialization.

    Understanding Comfortable Living Solutions

    Comfortable student living means creating a place that feels like home even when you’re away. These homes have modern features like fast internet and study areas.

    The spaces are designed so students can hang out with friends or focus on schoolwork. They are also close to campus, which saves travel time.

    Safety is a big priority, giving students a secure place to relax. Plus, fun activities help students make friends and build a strong community.

    The purpose of these solutions extends beyond providing a roof over a student’s head. They aim to create an inviting atmosphere that contributes to the overall college experience.

    Modern Amenities That Cater to Student Needs

    Students today want more than just a plain room. They look for extra features that make life better.

    Many residence halls offer gyms and recreation areas for exercise and relaxation. There are also common rooms with fun options for movie nights or group study.

    Kitchens are available too, so students can cook their own meals and spend time with friends. For schoolwork, quiet study areas are provided to help students stay focused and productive.

    These amenities cater to the needs of a diverse student body. It helps to create a balanced lifestyle where relaxation and productivity coexist.

    Community Support as a Fundamental Feature

    Building a strong community is very important in student housing. When students feel connected to their peers, they usually do better in school and enjoy their time more. Communities grow through fun events like game nights and study sessions that bring people together.

    Peer mentoring programs also help. Older students can guide new ones. Plus, feedback meetings give everyone a chance to share their ideas and needs to make the living space even better.

    These social opportunities not only help students develop friendships but also establish a strong support network essential for navigating the ups and downs of college life.

    Your Home Awaits

    Looking for the right cozy spot tailored for your academic journey? Comfortable living solutions provide everything you need to not just survive, but thrive throughout your collegiate years.

    For instance, student apartments in Tampa offer comfort, modern amenities, and close access to campus. This makes student life easier and more enjoyable.

    These student housing environments are equipped with all the modern comforts and community support you would hope for. You can focus on your studies without sacrificing your social life.

    Your Ideal College Experience

    The right living arrangement can empower students to strike a harmonious balance between studies and leisure. With modern amenities and an encouraging community, these places truly transform the college experience into something meaningful and enjoyable.

    Create your ideal living environment!

    For more informative tips, check out our blog posts.

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    Robert

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  • The ‘Boring’ Side of AI That Could Make You a Fortune | Entrepreneur

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    Opinions expressed by Entrepreneur contributors are their own.

    Most people building with AI are chasing the same thing: viral chatbots, cool demos or the next trending wrapper. But I think the real money — the serious, unicorn-level money — is somewhere else entirely.

    It’s in the stuff nobody wants to touch. Tedious, time-wasting, must-do tasks. The things you hate doing, but have to. That’s where the next wave of AI companies will emerge.

    Painful > pretty

    AI that makes you laugh is fun. AI that gets your taxes filed, your Visa sorted or your documents organized? That’s life-changing.

    When I moved to the UK on a Global Talent visa, I couldn’t find a single tool to track my absence days — something crucial for maintaining legal status. So I built it myself. Not to show off. Just to solve a problem I was quietly freaking out about.

    That’s the kind of “boring” problem most people overlook. But if it causes stress, repetition or fear — it’s valuable.

    There’s more money in fixing one painful workflow than chasing 100 likes on a fancy AI-generated avatar.

    Related: Don’t Be Afraid to Embrace Boring Ideas

    The more annoying it is, the bigger the opportunity

    Scheduling medical appointments. Submitting invoices. Picking wines from a 40-page restaurant list. These aren’t sexy problems. But they’re everywhere, and no one enjoys dealing with them.

    I’ve built apps that take care of those exact scenarios. Some were simple side projects, but they solved problems that people repeatedly run into. That’s the magic formula.

    In a piece I wrote earlier — 7 AI-Based Business Ideas That Could Make You Rich — I pointed out that the most profitable ideas are often hiding in plain sight. This is another example of that.

    No team? No problem.

    The tools available now are ridiculous. With GPT-4o, Supabase, Vercel and Claude, I’ve launched entire products in a week — solo.

    No designers. No backend engineers. Just a painful idea, an AI stack and a few cups of coffee.

    I’m not the only one. I’ve seen one-person shops build apps that manage apartment leases, prep legal docs and even coach you through IVF. They’re quiet tools with unflashy interfaces, but they’re deeply useful.

    If you’re a founder today, your MVP doesn’t need to be impressive — it just needs to make someone’s headache disappear.

    Build for Tuesday, not for tech Twitter

    Some of the smartest founders I know aren’t even trying to go viral. They’re building for Tuesdays — for that one problem that hits at 4:00 p.m. when you’re stuck in a bureaucratic loop and need someone (or something) to handle it for you.

    And here’s the kicker: The more boring the problem, the less competition you’ll have. AI founders are still chasing novelty. That’s your advantage.

    This article on overlooked metaverse jobs made a similar point: There’s a fortune in places people ignore.

    Boring doesn’t mean small

    If you told someone a decade ago that accounting automation or AI-powered scheduling tools would be billion-dollar companies, they’d probably laugh.

    Now those tools run quietly in the background of almost every business.

    The lesson: Don’t build for applause. Build for relief. If your product makes someone breathe easier, saves them time or reduces stress — they’ll pay for it.

    Even if they never tweet about it.

    Related: Why Unglamorous Entrepreneurial Opportunities Can Be Lucrative

    Boring tools can still build billion-dollar companies

    If you need proof, look at Expensify. It started by solving one thing: making expense reports less painful. It’s not exciting, not revolutionary — just useful. Nobody dreams about scanning receipts, but millions of people have to do it.

    Now Expensify processes billions in transactions. All because it made one annoying task easier.

    Same story with Calendly, which killed the back-and-forth of scheduling. DocuSign, which removed the pain of printing and scanning contracts. UiPath, which built a massive business by automating office tasks.

    None of these were flashy, but they fixed something people deal with every day. That’s what makes them work.

    If you’re building with AI, forget the hype. Look for the problems people quietly suffer through. The ones they never talk about publicly, but deal with constantly. That’s where the best ideas live.

    Boring isn’t a weakness. Boring is a business model.

    You don’t need a revolutionary idea. You just need to make one annoying thing go away.

    If you can do that, it won’t matter how it looks. It will sell.

    Most people building with AI are chasing the same thing: viral chatbots, cool demos or the next trending wrapper. But I think the real money — the serious, unicorn-level money — is somewhere else entirely.

    It’s in the stuff nobody wants to touch. Tedious, time-wasting, must-do tasks. The things you hate doing, but have to. That’s where the next wave of AI companies will emerge.

    Painful > pretty

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

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    Ashot Gabrelyanov

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  • Eric Adams’s Kettle-Cooked Administration

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    The Eric Adams era in New York City began with questions about whether the avowedly vegan mayor was ordering the branzino at a midtown Italian restaurant run by a couple of felonious old friends, and the food-related questions really never stopped. The “night-life mayor,” an ex-cop, insisted that everything he did was kosher, yet he and his associates were repeatedly caught in outrageous, petty, and asinine acts of snack-adjacent graft. He had a police commissioner resign after his twin brother was accused of shaking down bars and restaurants. A senior aide and old cop buddy of Adams’s, put in charge of migrant-shelter contracts, was, according to a lawsuit, known as Crumbs by subordinates, because he’d once said, “I have to get mine.” Another top aide, Ingrid Lewis-Martin, has faced a ream of corruption charges, including accepting money from a businessman who helped her son start a Chick-fil-A franchise. Adams himself was indicted last fall for accepting meals and other freebies arranged by a representative of the Turkish government, in exchange for fast-tracking building permits. (Each has denied wrongdoing, comestible or otherwise.) On Wednesday, the trail of treats, upgrades, and little favors appeared to reach its flavor-dusted peak, when a close adviser to the Mayor apparently attempted to pay off a reporter with cash stuffed into an open pouch of Herr’s sour-cream-and-onion potato chips.

    The incident took place in Harlem. Katie Honan, a hard-nosed City Hall reporter for the nonprofit newsroom The City, was there to cover the opening of a new campaign office for Adams’s independent, desperate, long-shot bid to win reëlection. For the past four years, Honan has been a worm in Adams’s apple, scoring scoop after scoop about the dramas, inanities, and intrigues of his administration. Her handheld videos of Adams entering and leaving City Hall, while refusing to answer her questions, will be one of the enduring artifacts of this era of city politics. “Have you made attempts to try to remember it?” Honan asked Adams at a press conference in 2024, after the Mayor had his phone seized by the F.B.I. and claimed to have forgotten the passcode. “Is it someone’s birthday?”

    During the office opening, Honan spotted Winnie Greco, a longtime Adams fund-raiser who has served as a paid liaison to the city’s Chinese American communities, and who briefly disappeared from Adams’s side last year after she came under scrutiny by federal investigators. (Among other questionable arrangements, Greco reportedly lived for nearly a year in a suite in a Queens hotel that had a city contract to house formerly incarcerated individuals.) According to Honan, Greco texted her after the event and asked to meet across the street from the new campaign office. The pair walked into the Whole Foods on 125th Street. Greco handed Honan an open bag of chips with the top crumpled. “Honan, thinking it was an offer of a light snack, told Greco more than once she could not accept the chips, but Greco insisted that she keep them,” Honan’s colleagues at The City wrote in an article published on Wednesday evening.

    Greco left, and, when Honan looked inside the bag, she found a red envelope filled with money. “I can’t take this, when can I give it back to you?” Honan texted Greco. Greco initially said they could meet, but then stopped responding. Honan went to her office, where she handed the bag over to her editors. They contacted the city’s Department of Investigation. “Anticipating possible law enforcement investigations, THE CITY did not open the envelope or count the money inside,” Honan’s colleagues reported, though they spotted “at least one $100 bill and several $20 bills.” An investigator from the Brooklyn U.S. Attorney’s office soon came by to seize the bag, but not before The City’s editors immortalized it in a mug shot. Honan’s colleagues called Greco, who begged them to “forget about this” and call her lawyer. “I make a mistake,” she said. “I’m so sorry. It’s a culture thing. I don’t know. I don’t understand. I’m so sorry. I feel so bad right now. I’m so sorry, honey.” Greco’s lawyer took a similar tack. “I can see how this looks strange,” he told The City. “But I assure you that Winnie’s intent was purely innocent. In the Chinese culture, money is often given to others in a gesture of friendship and gratitude.”

    Earlier this year, Adams cut a deal with the Trump Administration to get out from under federal corruption charges. He insisted there was nothing wrong with his actions, either as alleged in the indictment (the favors from the Turkish government) or in his new kinship with the President (he made an implicit promise to coöperate with ICE’s mass-deportation campaign). But Adams has barely attempted to account for the actions of his many aides who have faced their own investigations. Just this morning, Lewis-Martin was handed four new bribery charges, including one related to thousands of dollars in catering for events at Gracie Mansion, the Mayor’s residence. (She has pleaded not guilty.) The investigations into Greco and others, including former senior officials at the N.Y.P.D., are still presumably somewhere in the bowels of the federal bureaucracy. Time and again, when presented with the misdeeds of his friends, allies, subordinates, and appointees, Adams has feigned, at most, mild surprise. “We are shocked by these reports,” a spokesman for the Mayor’s reëlection campaign told The City on Wednesday, in response to the tale of the cash in the chip bag. “He has always demanded the highest ethical and legal standards, and his sole focus remains on serving the people of New York City with integrity.”

    This kind of boilerplate has been intolerable all along, and is only more absurd now as Adams puts the city through the farce of seeking a second term, claiming that Zohran Mamdani, the Democratic nominee, is somehow unqualified to hold the office that he has repeatedly turned into a national joke. From the start, Adams has insisted that the media is out to get him—at his weekly press conferences, which he’s lately suspended, he often reserved a special contemptuous smile for Honan—but, if anything, he’s been given leeway. He has surrounded himself with clowns, grifters, and obvious bad news, and asked the public to swallow it. He’s tried to live down the sketchy airline upgrades, the straw donors, the late nights at clubs and restaurants run by his buddies, the self-dealing of his associates, his alliance with Trump. In the end, the bag of chips might sum him up. He’s kettle-cooked. ♦

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    Eric Lach

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  • How to Make Driving Baby-Friendly

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    Image by Freepik

    Driving around with a baby in tow can be stressful. You always have the urge to bring everything inside your car to make sure that you have anything that you need when you need it. Apart from bringing the essentials, you also need to make sure that your car is prepared to accommodate your little one.

    Installing items such as baby car shades by Snap Shades will definitely make the drive even more comfortable.

    When driving with a baby on board, you need to be strategic about certain things to ensure comfort and safety not just for your baby but for the other passengers as well. Here are some of the things that you can do to make driving baby-friendly:

    1. Secure Your Car Seat Correctly

    Regardless of where you are going or how long your drive will take, the car seat should always be in your car. Your child’s safety is highly dependent on how correctly you install the car seat. Be sure to follow the instruction manual and double-check the way the car seat is installed. Don’t forget to do maintenance checks on the car seat from time to time too.

    2. Regulate Your Car’s Temperature

    Temperature changes can affect your baby’s health and mood. You need to make sure that your car’s temperature is well regulated, especially during the summer. You can regulate your car’s temperature by installing sun shades like Snap Shades to help keep your car’s temperature cool as well as block harmful UV rays. By being proactive in keeping your car’s temperature cool, your drive will be smooth and less inconvenient.

    3. Pack Baby Essentials

    Contrary to what you actually think and what you plan on doing, you don’t need to carry all of your baby’s things inside your car. You just need the essentials to make the drive comfortable. A small kit containing diapers, wipes, pacifiers, a few snacks, a toy, and a blanket should be enough to keep your baby in a safe and emergency-ready space.

    Bringing too many things during the drive will only complicate things for you. More options would mean more clatter and overthinking. Simplify things by picking only the essentials.

    4. Prepare Your Playlist

    You got it right! As a parent or a guardian, you need to give up your usual playlist and keep your baby entertained by playing soothing sounds that can help your baby relax. Lullabies, gentle music, and white noise will help your baby calm down. While we are at it, this soothing music is not only designed to help your baby relax, but it can help you chill too!

    5. Work Around Your Baby’s Routine

    If you are planning on doing a long drive, consider working around your baby’s schedule and routine. Schedule your drive during your baby’s nap times or after your baby is fed so that they will be calm in the car.

    Start Planning Your Drive

    In any drive, whether you are with a baby or not, you really need to be prepared to ensure comfort and protection. Proper planning is key to making sure that you have everything covered. Start by investing in key items for your car to make every drive as comfortable as possible. Install your car shades to keep your car’s temperature cool and maintained. Visit the Snap Shades website to know which one is suited to your vehicle!

    ALSO READ: Top 10 Travel Tips for an Easy Family Road Trip

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    Robert

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  • Powerball jackpot climbed to an estimated $643 million for Wednesday drawing. Here are the numbers

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    After there was no winner in Monday night’s drawing, Powerball’s jackpot climbed to an estimated $643 million ahead of Wednesday’s drawing. The numbers pulled in Wednesday night’s drawing were: 31-59-62-65-68 Powerball 5 The Powerplay Multiplier was 2xThe $643 million figure was already the 13th largest prize in the history of Powerball. The last jackpot was already the largest of 2025 as the lottery has gone without a winner since May 31.Preliminary data from the Multi-State Lottery Association, which helps facilitate the Powerball lottery, shows Powerball sales are 40% higher than they were at this point last year.”As the jackpot increases, we expect ticket sales to increase,” the association said.While the size of the jackpot and the ticket sales have risen, the odds of winning the top prize have not. The chances of winnings the jackpot stand at about 1 in 292 million.If someone wins in the next drawing, they’ll get to choose between the jackpot amount, which is paid out in 30 annual payments, or a one-time cash option of approximately $290 million.

    After there was no winner in Monday night’s drawing, Powerball’s jackpot climbed to an estimated $643 million ahead of Wednesday’s drawing.

    The numbers pulled in Wednesday night’s drawing were:

    31-59-62-65-68 Powerball 5

    The Powerplay Multiplier was 2x

    The $643 million figure was already the 13th largest prize in the history of Powerball. The last jackpot was already the largest of 2025 as the lottery has gone without a winner since May 31.

    Preliminary data from the Multi-State Lottery Association, which helps facilitate the Powerball lottery, shows Powerball sales are 40% higher than they were at this point last year.

    “As the jackpot increases, we expect ticket sales to increase,” the association said.

    While the size of the jackpot and the ticket sales have risen, the odds of winning the top prize have not. The chances of winnings the jackpot stand at about 1 in 292 million.

    If someone wins in the next drawing, they’ll get to choose between the jackpot amount, which is paid out in 30 annual payments, or a one-time cash option of approximately $290 million.

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  • Why the Braided Crib Bumper Has Become a Must-Have for Modern Nurseries

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    Image by Freepik

    The Rise of Stylish and Practical Nursery Accessories

    Every generation of parents looks for ways to make their baby’s nursery both safe and beautiful. Years ago, safety meant simple rails and plain sheets, but today’s parents want something more—something that combines protection, softness, and design. This is exactly why the braided crib bumper has become one of the most sought-after nursery essentials. Unlike traditional bumpers that were flat and rigid, the braided version is soft, flexible, and visually appealing. It not only serves a functional role in protecting the baby from crib rails but also instantly elevates the aesthetic of the room. Parents who once thought of bumpers as purely practical now see them as statement pieces, seamlessly blending safety with style.

    Comfort and Safety in One Thoughtful Design

    A newborn spends countless hours in their crib, moving, turning, and exploring even in the earliest weeks. Crib rails, while essential for security, can sometimes be uncomfortable or even unsafe if left uncovered. The braided crib bumper solves this problem with its thick, cushioned design that acts as a soft barrier. Parents appreciate that it minimizes the risk of bumps and trapped limbs, creating a snug and protected environment. At the same time, the braided structure allows for flexibility—it can be adjusted to fit different crib sizes, used as a partial guard, or even repurposed as a floor cushion during playtime. This adaptability makes it a long-lasting investment, extending well beyond the newborn stage.

    A Decorative Touch That Defines the Nursery

    While function is always the first concern, design plays an equally important role in making a nursery feel special. The braided crib bumper adds a sense of warmth and charm to the crib, turning a simple piece of furniture into a cozy nest. Available in a wide range of colors, from soft pastels to bold modern shades, it allows parents to match or contrast with existing bedding. Many families enjoy how easily it blends into both traditional and contemporary interiors, making it a versatile choice for any style of nursery. Some parents even use braided bumpers as photo props, highlighting their baby’s first months in a setting that feels both personal and Instagram-worthy.

    The Practical Side Parents Appreciate

    Beyond comfort and beauty, the braided bumper is also highly practical. It is usually made from hypoallergenic materials that are safe for sensitive skin and can be machine-washed, which is a lifesaver for parents dealing with inevitable messes. Unlike stiff bumpers, it holds its softness and shape even after repeated washes. Its portability is another hidden advantage—it can be moved from the crib to a playpen or used on the floor for extra cushioning. For parents looking for products that truly grow with their child, this versatility makes it one of the smartest purchases they can make for their nursery.

    A Perfect Gift with Daily Value

    When friends or relatives look for the perfect baby gift, they often want something that is both useful and memorable. A braided crib bumper fits both needs perfectly. It is not just a decorative accessory but an item that will be used daily, ensuring that the gift holds lasting value. Parents will remember the thoughtfulness every time they lay their baby down to sleep. Unlike clothing, which is quickly outgrown, or toys that lose their appeal, a braided bumper remains relevant for months, if not years, making it an ideal choice for baby showers or first birthdays.

    Kari Studio – The Trusted Choice for Parents

    Modern nurseries are about more than just furniture; they are about creating a space where a baby feels safe and parents feel at ease. The braided crib bumper perfectly embodies this balance, offering protection, comfort, and beauty all in one. For families searching for the best products, Kari Studio offers a curated collection of braided crib bumpers designed with care and quality. With their help, every crib can become a secure, stylish, and welcoming place for your little one.

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    Robert

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  • Truckload of donations made by Minnesota family tossed at the dump

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    Imagine paying to donate a truckload of items, only to find out they were trashed. One Minnesota family says that’s exactly what happened to them. 

    For months, Matt and Mary Cullum say they carefully decided what to donate, from furniture to gently used baby clothes. The Cullums collected items, big and small, to donate over a year. 

    The Cullums felt strongly about making sure what they could no longer use went to another loving home.

    “This stuff has been staying in our basement, cleaned and organized, for a while. And I know that getting rid of it was like saying goodbye to that chapter in our life. But what gave me peace is knowing that some other kid would get to enjoy it,” Mary Cullum said.

    The family had a long list that filled a 20-foot moving truck, including dressers, nightstands, end tables, an oak cabinet, a bed, and much more. Their collection of items to be donated also included toys, clothing, bikes and baby swings. They found a company that said they could do it all — sort and donate the items — and hired the Shoreview franchise of College Hunks Hauling Junk. 

    “If you look at their website that they pride themselves in repurposing, recycling or giving things a second life before they take anything to the dump,” Mary Cullum said.

    The Cullums paid $1,500 for the pick-up. About an hour and a half later, Mary Cullum started to regret donating some sentimental items. But by then, it was too late. She was told her donated items were “all gone,” that it was all “at the dump.” She said she raced there in hopes of salvaging something.

    “It was just an overwhelming pile of stuff, of garbage. I was trying to look for like larger items, and everything had just been bulldozed,” Mary Cullum said.

    She took a video walking through the debris at the dump site, grabbing what she could save before she says it became too dangerous. And she watched the video of the donation being crushed. 

    “My ‘mama heart’ was breaking because I wanted to get back the things. And I was just so disappointed that they treated good things like garbage, things that could have made a difference for another family, and things that we cherish, and we had put together so carefully, and our donation was treated like trash,” Mary Cullum said.

    The Cullums salvaged a few items, then contacted the company. When the issue wasn’t resolved, they turned to the Better Business Bureau. The company responded, saying they’ve done more training. 

    The Cullums contacted the Minnesota Attorney General’s Office. When they still didn’t get the response they were looking for, they contacted WCCO to get answers. College Hunks Shoreview owner Ryan Spille gave WCCO a tour of their office and clarified there are two parts to the business: moving and junk hauling. Donations fall under the latter.

    “We do donation runs every week, week and a half,” Spille said.

    He says items are brought back here to be sorted, and truck captains are incentivized to donate versus dump.

    “Their commission percentage goes up or down depending on their, what we call, disposal percentage. Disposal percentages are how much it costs you to dispose, versus how much money you brought in, so they have a strong incentive to donate stuff, because that’s free. That will bring their disposable percentage down,” Spille said.

    WCCO questioned how the Cullum family’s big donation could have ended up in the trash. 

    “If our guys are, like, actually dumping stuff that’s in good condition, I mean that, like, immediately horrifies me. I’m like, ‘No, that can’t happen. And so we sit that Captain down and say, ‘Look, we have a responsibility to give those toys to donation,’ or something like that,” Spille said.

    He says in this case, one of two things happened: the items weren’t donatable or the captain made a mistake. Overall, the website says they donate or recycle 70%. 

    “What percentage of that is donatable? I don’t actually know. But if I had to guess, I’d say it’s probably like 15% to 20% of everything that we take in,” Spille said.

    The website touts partnerships with Goodwill and Habitat for Humanity ReStore. However, Goodwill told WCCO it “is not, and has never been, affiliated with College Hunks Hauling Junk.” Habitat for Humanity ReStore told WCCO they also don’t have a partnership.

    Spille said, in addition to donations, they also allow employees to take what they need. That’s not advertised. 

    The Cullums asked for a donation receipt. The family never got one.

    “If that’s the case, that’s a problem,” Spille said.

    For the couple, the outrage from the owner is too late.

    “I think I was in shock for a while. I know I cried a lot because that’s the last place I wanted it. And I was upset because this is something I felt was taken from the community. You know, if we hadn’t tried to track down that box, I could have lived blissfully unaware,” Mary Cullum said.

    College Hunks is a franchise. This report applies only to the actions of the Shoreview location.

    The Attorney General’s Office sent two letters to College Hunks Shoreview asking for a response. They’ve gone unanswered. WCCO discovered the letters went to the wrong address. 

    So what can you do in a similar situation? One thing is to ask the company to send pictures along with a list of what was accepted for donation. Also, follow up with the company to get the donation receipt for your taxes.

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    Jennifer Mayerle

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  • Graffiti-tarnished towers in downtown L.A. remain in limbo

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    Early last year, vandals breached fencing, climbed dozens of flights of stairs and painted bold, colorful graffiti on the exterior of three unfinished high-rises that make up the abandoned Oceanwide Plaza development.

    The so-called Graffiti Towers — visible from great distances on the 110 Freeway and looming over thousands of visitors attending events across the street at Crypto.com Arena — were expected to be sold in a bankruptcy auction a year ago.

    But the long-running bankruptcy sale of downtown Los Angeles’ most spectacular eyesore drags on with no clear end in sight. Experts blame a confluence of factors, including high interest rates, rising construction costs and delays in attracting viable bidders.

    Construction on what would have been one of the city’s most notable landmarks, with high-rise housing, a hotel and a shopping center, halted in 2019 when Beijing-based conglomerate Oceanwide Holdings ran out of money to pay contractors after spending $1.2 billion on the complex that fills a large city block on Figueroa Street.

    Business leaders have expressed alarm that the graffiti some find artistic will prove embarrassing when global attention is focused on the World Cup next year and the Summer Olympics in 2028.

    Resolution of the Oceanwide Plaza saga also can’t come soon enough for many downtown stakeholders who see the graffitied towers — rising as high as 49 stories — as a dark presence besmirching the city and sending a negative message about the neighborhood.

    “The Graffiti Towers have worldwide infamy at this point,” said Cassy Horton, co-founder of the DTLA Residents Assn. “It’s like this beacon that shines and says, ‘Come create mischief down here and you won’t get in trouble. This is the spot to do it.’”

    A rendering of proposed advertising signs on the Oceanwide Plaza towers in downtown Los Angeles that are now covered with graffiti.

    (HansonLA)

    The graffiti is likely to remain until a new owner takes on the painstaking task of removing it.

    More than a year ago, a federal judge set a Sept. 17 auction of the property, saying there were several potential bidders. The winner of the auction ultimately wasn’t able to come up with the promised purchase price and negotiations commenced with other bidders.

    The real estate broker managing the sale, Mark Tarczynski of Colliers, declined to comment on the status of the sale but told real estate publication the Real Deal recently that two real estate development companies, one from the U.S. and one from abroad, are now competing as bidders. He said he anticipates closing the deal by the end of the year.

    The purchase price, which would be used to pay creditors including general contractor Lendlease and EB-5 visa investors, would just be the beginning of expenses for the new owner. Estimates to complete the project reach $1 billion, even though it is about 60% completed.

    Challenges to get it done include market conditions that are hamstringing other planned real estate developments. Builders complain of high interest rates for borrowing money to finance construction.

    New tariffs are driving up the cost of imported construction materials while raising uncertainty about how long the tariffs may last or what new ones may arise. Labor costs have also been increasing in recent years, and the recent Immigration and Customs Enforcement raids have added a destabilizing effect on the construction labor pool, industry observers have said.

    Los Angeles architect Douglas Hanson, who designed the 35-story Circa apartment complex next to Oceanwide Plaza, has an idea to shield people’s gaze from the graffitied towers and bring in some money.

    A skyscraper wrapped in a colorful patterned covering, next to other high-rises

    A rendering of a proposed covering on the east side of Oceanwide Plaza towers in downtown Los Angeles that are now awash in graffiti.

    (HansonLA)

    He suggests rolling down vinyl advertising signs that could be seen on the from the freeway on the west side of the complex and lowering other vinyl coverings on the east side that would display a beach scene or some other art.

    “You can get good money for advertising in that neighborhood,” which allows large commercial displays, Hanson said. Ad revenue would more than pay for the signs, he said.

    The buildings wouldn’t be fully wrapped like a Christo art project, he said. “Just drape them down and leave a little bit of the history of the building behind them.”

    The Oceanwide Plaza site was a sprawling asphalt lot used for event parking when Oceanwide Holdings bought it in 2014 with a vision to build a fancy, mixed-use development that was far bigger in scale than what is typically built in the U.S.

    Oceanwide set to work on the complex, which was intended to house luxury condominiums, apartments, a five-star Park Hyatt hotel and an indoor mall that would include deluxe shops and restaurants. A massive electronic sign on its facade was to bring a flavor of Times Square to Figueroa Street.

    Many of the residents and visitors were expected to be Chinese citizens, but the country’s government implemented tighter controls on money leaving the country in 2019 and the pool of potential condo buyers shrunk.

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    Roger Vincent

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  • Effective Strategies for Building More Loyal Customer Relationships

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    Discovering new ways to attract customers is an essential skill that every successful business needs to learn and master. However, there is a big difference between customer acquisition and customer retention.

    While many businesses want to ensure they’re putting in the effort to grow their market presence, simply generating new sales doesn’t necessarily equate to long-term success. To be successful, you must be able to leverage your existing customer relationships to create stable, recurring revenue streams.

    However, keeping customers engaged with a single brand is rarely an easy task. Without the right strategic approach, the effort your business makes to establish new relationships can quickly go to waste as attrition rates climb.

    Fortunately, there are various effective strategies you can follow to help your business establish strong, loyal relationships with customers.

    Provide Reliable Services

    Most people have their own stories related to poor brand experiences that left them with a bad taste in their mouths. There is nothing worse than investing in a product or service with the promise of exceptional support, only to find that the brand isn’t reliable.

    As a business, this is where you have the ability to step outside of this mold. By taking the time necessary to demonstrate to your customers the dependability of your business, you help create a sharp contrast between your brand and others. This can be incredibly important when you’re competing for placement in highly saturated markets.

    To create this level of credibility it takes more than just providing a great product. You need to stand behind your claims and always strive to be clear and honest in all your communications with customers as your business grows.

    Take the Time To Get To Know Your Customers

    It’s essential to always be in tune with what your customers need. Getting to know your customers, including how their business operates or the challenges they’re facing, is crucial for establishing a solid foundation to build your relationships.

    When you take the time to get to know your customers, including their objectives or long-term goals it not only helps you to align your initiatives to support them, but it also shows your customers that you’re genuinely interested in helping them to be successful. This creates a much closer connection, transforming a strictly transactional relationship into one that benefits both partners.

    Avoid Always Talking About Business

    Great relationships involve more than just offering great customer support. When it comes to keeping customers happy, you may be surprised just how impactful it can be to simply show more interest in others, especially when there is no expectation of any returned favors.

    There is a common term in business settings that “people do business with people.” This essentially means that while a transaction in itself represents an exchange of goods and services, the value represented by this transaction isn’t the only thing that buyers focus on. The reality is, companies today have no shortage of options to choose from when sourcing products and services. Relationships, however, can keep customers from exploring what those companies have to offer.

    But getting your relationships to this point requires time and effort. Still, when building stronger relationships, it’s often the little things that add up. For example, writing a quick email to check in, scheduling a brief call to catch up with key contacts, or sending a gift card as a thank-you at the end of the year can make a significant positive impact.

    Don’t Push Products Your Customers Don’t Actually Need

    No one likes to feel like they’re being “sold” on something, especially when it’s something they don’t really need. It’s essential to look for opportunities to upsell your customers, but this should never come at the expense of pushing products solely for the revenue they generate.

    This type of sales tactic can cause more harm than good to key customer relationships. Instead of always looking for an angle to push new products or services, spend more time understanding how your customers use their current products and where and how they can be improved.

    If you identify a genuine fit for one of your product or service add-ons, mention it to your customers without coming across as pushy. Explain the benefits and let them decide for themselves if it’s something they really need or want.

    Create a Customer Loyalty Program

    Looking for ways to really show your customers how much they mean to your business is a way to keep your relationships moving forward. One way to do this is creating a customer loyalty program.

    Everyone loves free things, especially when they’re given as a token of appreciation for being a loyal customer. The great news is that there are numerous ways to incorporate rewards into your existing business processes.

    For example, you could offer customers special discounts on their purchases based on how often they order. Depending on the type of business you have, you may also consider offering your customers financial rewards, such as gift cards or cash back on purchases.

    Regardless of the type of reward you decide to use, ensure consistency in your approach and have the necessary resources in place to manage any formal programs you establish.

    Be Open to Feedback

    When you’re looking for better ways to serve your customers, one of the best things you can do is ask them yourself. Although not every customer may provide you with overly detailed insights, conducting one-on-one discussions and sending out customer surveys can help you extract valuable information on how to continue improving your relationship.

    It isn’t always easy to get busy customers excited about stopping what they’re doing to provide you with feedback. To help with this, any surveys you create should be short and sweet. Come up with a few helpful questions they can answer. You could also encourage them to leave a business or product review on social media or other platforms at their convenience.

    Simply asking for feedback can demonstrate to your customers that you’re actively working to improve your business operations and can be a great way to build a stronger relationship. By showing customers their opinions matter and that you’re taking their comments to heart, it will help them to feel more confident in the partnership moving forward.

    Train Your Employees to Stay Responsive

    Most of the time, your customers will have regular engagements with your employees. This is why it’s essential to train all your employees on the importance of responding promptly to your customers’ needs.

    However, remaining responsive doesn’t just mean responding quickly to questions or concerns. You should also provide employees with the necessary tools and resources to empower them to solve issues promptly, bringing workable solutions to customers when they need them most.

    Build Stronger Customer Relationships

    Establishing long-term relationships with your customers is a critical element for helping your business scale. By following the strategies discussed, you will be able to reduce customer attrition while improving customer loyalty and increasing recurring revenue streams.

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    Cindy Mielke

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  • Average Ages to Make 6 Figures, Buy a House, Save for Retirement | Entrepreneur

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    There’s no age limit when it comes to achieving significant financial milestones, but many people envision checking them off their list by a certain point in their lives.

    Unfortunately, these days, amid high costs of living and economic uncertainty, most U.S. adults fall short of wealth-building goals: 77% say they aren’t completely financially secure, according to Bankrate’s Financial Freedom survey.

    How old should you really be to land that dream job, start saving for retirement, earn six figures or buy your first home?

    Related: Rewire Your Brain to Reach Money Goals With This Simple Exercise From a Former J.P. Morgan Retirement Executive

    New research from Empower set out to answer those questions and explore how Americans navigate money milestones today.

    Although just 17% believe people should hit financial milestones by a specific age, 44% are glad they achieved them when they did, per the report.

    On average, Americans think you should start saving for retirement at 27, land your dream job at 29, buy your first home at 30 and earn six figures by 35, according to the research. Respondents also reported hoping to be debt-free at 41 and to retire at 58.

    About half of Americans (45%) wish they’d saved money earlier and with more consistency in order to prepare for life’s big changes, the study found.

    Related: Make Your Money Manage Itself — How to Automate Your Personal Finances and Keep Your Goals on Track

    After planning for retirement and becoming a homeowner, Americans see several life events as significant wealth-building opportunities: investing in stocks (34%), investing in education (26%), changing career paths (21%), getting married (19%) and starting a business (19%).

    Nearly one-third of respondents said they realized the value of having a financial plan or working with a financial planner after meeting a life milestone.

    “For all ages, it’s important to talk to an advisor who can help create a tailored path specific to your financial goals and set you up for a realistic retirement lifestyle,” Stacey Black, lead financial educator at Boeing Employees Credit Union (BECU), told Entrepreneur last year.

    Ready to break through your revenue ceiling? Join us at Level Up, a conference for ambitious business leaders to unlock new growth opportunities.

    There’s no age limit when it comes to achieving significant financial milestones, but many people envision checking them off their list by a certain point in their lives.

    Unfortunately, these days, amid high costs of living and economic uncertainty, most U.S. adults fall short of wealth-building goals: 77% say they aren’t completely financially secure, according to Bankrate’s Financial Freedom survey.

    How old should you really be to land that dream job, start saving for retirement, earn six figures or buy your first home?

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

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    Amanda Breen

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  • Closures of Fred Meyer in Tacoma, WA impacting 200 employees, creates ‘food desert’

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    The upcoming closure of a Fred Meyer store in Tacoma will impact more than 200 employees and has left residents concerned that they will be living in a food desert. 

    What we know:

    The closure on Pacific Avenue has alarmed some members of the community. Neighborhood leaders have scheduled a town hall meeting to discuss the loss in late August.  

    On a Sunday afternoon, you can find the South End Fred Meyer in Tacoma pretty packed as people stock up for the week. 

    However, that Sunday ritual will soon be a thing of the past at the store located at 72nd Ave and Pacific Ave. Parent company Kroger announced a group of nationwide closures in June, which will include the store at 72nd and Pacific Avenue.

    Tacoma City Councilmember Joe Bushnell says it’s part of a larger company-wide decision to run more efficiently and ensure the long-term health of their business.

    He said in an online statement:

    “I want to express my disappointment regarding the news of the upcoming closure of our local Pacific Fred Meyer store. For years, this store has been more than just a place to shop; it has been a community hub, a vital source of groceries and prescriptions, and an employer for many of our residents.

    We have been in communication with Kroger, the parent company, and we understand this was a difficult decision for them, and that this closure is part of a larger company-wide decision to run more efficiently and ensure the long-term health of their business.”

    In the wake of that announcement, thousands signed the change.org petition, which calls for leaders to keep the store or provide for a replacement.  It reads, “This store is a lifeline in a neighborhood already recognized by public health officials as a food desert — an area where people have limited access to affordable, fresh, and nutritious food.”

    “That community is losing a vital grocery store. A lot of those shoppers aren’t going to have access to coming to a different Fred Meyer,” said Aria Joslyn, member of UFCW 367, Fred Meyer cashier. 

    Joslyn, who used to work at the store that is closing, says the impact on workers is also a concern.

     A Worker Adjustment and Retraining Notification (WARN) filing with the state says that permanent layoffs are slated for September 27th with an impact on 226 workers.  

    “It’s super disappointing. I worked at that store for a long time, and the people there, it’s a great crew there,” said Joslyn.

    Kroger has said it is offering its workers the opportunity to transfer.  However, Joslyn says there are worries about hours.

    “Bringing on new employees at each of the stores is just going to spread the hours thinner and leave more people in unstable employment situations,” says Joslyn. 

    To talk about concerns, the South End Neighborhood Council has planned a town hall meeting on Thursday, August 28th.

    An online post states, “The South End Fred Meyer is closing—and the impacts on food access, jobs, and our community will be real. Let’s talk about it, plan for the future, and make sure our neighborhood is heard.”

    That meeting is scheduled from 6-7:30 p.m.

    The Source: Information in this story came from Worker Adjustment and Retraining Notification and original FOX 13 Seattle interviews.

    MORE NEWS FROM FOX 13 SEATTLE

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    To get the best local news, weather and sports in Seattle for free, sign up for the daily FOX Seattle Newsletter.

    Download the free FOX LOCAL app for mobile in the Apple App Store or Google Play Store for live Seattle news, top stories, weather updates and more local and national news.

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    Jennifer.Dowling@fox.com (Jennifer Dowling)

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  • How Behavioural Addictions Affect the Brain, Similar to Substance Use

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    Image by Freepik

    You open your phone to check the time. Before you realise it, you’re deep into reels, jumping between apps, and wondering how 45 minutes just slipped by. You were supposed to eat dinner, or maybe reply to a work message. But that one harmless scroll turned into something else. And now, you feel a little foggy, but still want to keep going.

    This isn’t just about being distracted. It’s about a pattern. Something many people experience but rarely talk about. A loop of behaviour that doesn’t involve any alcohol, drugs, or cigarettes, yet still manages to feel strangely difficult to break. This is what experts refer to as behavioural addiction. And yes, your brain treats it very much like it would a substance.

    What Is a Behavioural Addiction, Really?

    There’s no single definition that fits everyone, but let’s break it down simply. A behavioural addiction is when a person repeatedly engages in a certain action or activity, even when they know it’s affecting their life in some way. It could be their relationships, work, health, or peace of mind. Still, they can’t seem to stop.

    Some examples that are becoming more common, especially in Indian homes:

    • Gaming for hours, skipping meals or sleep
    • Obsessively watching shows or short videos, even while feeling exhausted
    • Checking stock market apps or crypto updates constantly
    • Online betting, especially during sports seasons
    • Shopping for things you don’t need, just for the thrill of buying
    • Doom-scrolling late into the night, feeling unsettled but unable to look away

    Now, these things aren’t inherently harmful. It’s when they start to take over – mentally, emotionally, and practically – that the issue begins.

    Why It Feels So Hard to Stop

    The tricky part? These behaviours trigger the brain’s reward system. That feel-good chemical, dopamine, gets released every time you win a round, discover something entertaining, or receive a ‘like’ on social media. It creates a small burst of pleasure – the brain takes note. It starts wanting more of that feeling. And before long, that behaviour becomes part of your routine.

    You’re not chasing fun anymore. You’re chasing relief. It becomes the only thing that seems to calm you down after a tough day or distract you from uncomfortable emotions. That’s where the comparison with substance use becomes real, because the loop looks nearly identical inside the brain.

    Inside the Brain: How It Mirrors Substance Use

    Let’s make this easier to visualise. Whether it’s a substance use or a repeated behaviour, the same parts of the brain are involved:

    Brain Area Function
    Prefrontal Cortex Decision making, control over impulses
    Nucleus Accumbens Processes rewards and pleasure
    Amygdala Stores emotional memory
    Ventral Tegmental Area Produces dopamine, initiates craving

    When these areas keep getting activated again and again, the brain starts adjusting. It may reduce dopamine sensitivity. That means, over time, the same activity doesn’t give you the same high. You need more. Longer screen time. Bigger bets. Bingeing on more episodes.

    This is how tolerance builds up – not just with alcohol or substances, but also with behaviours.

    But There’s No Physical Substance Involved, So Why Is It Dangerous?

    That’s the thing. Because there’s no drink or pill, behavioural addictions often go unnoticed. They’re easier to hide. More socially acceptable. Who’s going to question a person watching Netflix for five hours when the whole country seems to do it? Or someone glued to their phone, when even their parents might be doing the same?

    But just because it’s common doesn’t mean it’s harmless.

    People who struggle with behavioural addiction may:

    • Lose sleep, which in turn affects mood and health
    • Start avoiding real conversations and relationships
    • Feel anxious or restless when they’re away from the activity
    • Miss deadlines, underperform at work or school
    • Eat poorly, skip routines, and feel constantly low on energy

    And the worst part? Many don’t even realise it’s become a problem until someone points it out, or until something major breaks down.

    What Makes Someone More Vulnerable?

    Not everyone who scrolls social media for an hour a day will fall into addiction. But some factors do raise the risk:

    • High stress levels: exams, job pressure, financial worries
    • Emotional distress: loneliness, heartbreak, loss, or low confidence
    • Existing mental health struggles: depression, anxiety, trauma
    • Lack of routine: especially in teens and young adults with too much unstructured time
    • Reward-seeking personality: people who naturally enjoy thrill, novelty, or intense experiences

    You’ll notice that none of these are faults or weaknesses. They’re just realities. And in today’s fast-paced world, more people are falling into these patterns without intending to.

    What Does It Feel Like on the Inside?

    Let’s say you’re in the middle of a binge-watching session. You know it’s late. You have work in the morning. But the next episode auto-plays, and you don’t hit pause. Your mind says stop, but your hand doesn’t. You watch, then feel guilty after. The next day, you feel tired, unproductive, and to feel better, you watch more.

    Or you lose ₹500 on an online game, but tell yourself, “I just need one win.” And suddenly you’ve spent an hour chasing losses. You don’t enjoy it anymore, but quitting halfway feels worse than losing again.

    These aren’t rare feelings. They’re common. And they’re a sign of internal conflict – something that might need attention, not shame.

    How Can You Tell If It’s Becoming a Problem?

    Here are a few signs that could point to a behavioural addiction:

    • You’re doing it longer than planned, regularly
    • You feel irritated or low when you can’t engage in the behaviour
    • You’re hiding the extent of it from friends or family
    • You’ve tried to reduce or stop, but keep falling back in
    • Other parts of life (studies, sleep, marriage, meals) are suffering quietly

    Even if you don’t relate to all of these, relating to two or three may be enough to start reflecting.

    Helping Yourself (or Someone Close)

    No one wants to feel trapped by a screen or a cycle. The good news is that things can improve, even without dramatic changes.

    What Can You Do?

    • Track your time: Just noticing how many hours go into an activity can be eye-opening.
    • Create small barriers: Log out of the app. Keep the phone outside the bedroom. Use a timer.
    • Replace the behaviour: Don’t just stop. Fill that time with something mildly engaging – a walk, a phone call, cooking, or journaling.
    • Talk about it: With a friend, sibling, or therapist. Saying it out loud breaks the isolation.
    • Set achievable goals: Don’t aim for perfection. Reducing the time gradually is more realistic than cutting it off completely.

    For Parents or Family Members:

    • Avoid name-calling or yelling. It often makes people hide the behaviour more.
    • Ask what they’re feeling, not just what they’re doing.
    • Offer company during breaks – even sitting together without devices can help.
    • Consider professional help without shame. Therapy is for clarity, not punishment.

    How Therapy Helps

    Many people hesitate to seek counselling for behavioural addiction, especially in India, thinking it’s only for extreme cases. But the truth is, therapy is just a space to understand yourself better.

    At Sukoon Health, experienced mental health experts create a safe, non-judgmental space, guiding you to make small, meaningful changes that can positively impact every part of your life.

    A mental health professional can:

    • Help identify emotional triggers
    • Break down the loop of craving and reward
    • Rebuild interest in healthier routines
    • Provide structure and support without judgement

    Sometimes, even a few sessions can bring relief – just having someone validate your struggle can be a powerful first step.

    The Road to Recovery Is Not a Straight Line

    There will be slip-ups. Days when you fall back into old habits. That doesn’t mean you’ve failed. It just means your brain is still learning to live differently.

    Instead of aiming to “fix” everything, try building a rhythm that makes space for:

    • Disconnection from screens once a day
    • Simple offline joy – music, walks, reading, even small chats
    • Self-kindness when you fall off track
    • A reminder that you’re not alone in this, not even remotely

    Final Thoughts: It’s Okay to Reclaim Control, Slowly

    Behavioural addictions sneak in quietly. They don’t carry the obvious warning signs of substance use, but they can be just as draining. The fact that they’re socially accepted makes them even harder to notice.

    But once you do notice – once you pause and ask, “Is this helping or harming me?” – you’ve already taken the first step.

    Not every habit is harmful. But if it’s making your life feel smaller, tighter, or more anxious, you have every right to loosen its grip.

    You deserve that space. You deserve that peace. And yes, it’s possible.

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    Robert

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  • Cash use in Canada remains steady as digital payments grow – MoneySense

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    The central bank said Thursday that its 2024 survey on payment methods shows Canadians kept an average of $156 in cash on hand, $16 more than in 2023. Adjusted for inflation, the Bank of Canada said the value of cash on hand has been “quite stable” since 2017 despite small variations over the COVID-19 pandemic.

    Older Canadians most likely to carry cash

    The survey showed customers are using ATMs and bank branches more often, however, and also taking more cash out per withdrawal.

    Broken down by age group, those 55 and older were most likely to have cash on their person at 86.8%, more than 10 percentage points higher than other demographics. But it was the youngest surveyed cohort, those aged 18 to 34, who held the most in their wallets on average at $206. The Bank of Canada said those in the lowest income bracket tended to hold the least amount of cash, but were most likely to pay via cash.

    Canada bucks the global trend of declining cash use

    The survey of more than 4,000 individuals, done in partnership with Ipsos from mid-October to mid-November last year, included a selection of respondents logging their regular purchases over a number of days. Those surveyed suggest they were making roughly one in five purchases with cash.

    While the use of cash was on a steady decline heading into the COVID-19 pandemic, the Bank of Canada said those figures have been resilient over recent years. That marks a deviation from other nations, such as the United States, which Bank of Canada researchers pointed out has seen continued annual declines in the use of cash.

    Younger consumers may drive digital payment shift

    The Bank of Canada said it expects 79% of Canadians had no plans to go cashless in 2024, while 8% said they would eventually do so and 13% said they were already cash-free. Those figures were steady from 2022 and 2023.

    Credit cards, meanwhile, continue to top the list of the most-used payment methods with 46% of purchase volumes. Debit cards follow at 23%. Mobile payments—any purchase made via a smartphone app, including those linked to a credit card—are meanwhile gaining traction. Mobile transactions accounted for almost 5% of purchases in 2024, up a couple of percentage points from a year earlier.

    If those trends keep pace, the Bank of Canada suggested that preferences among younger consumers might shift towards holding digital wallets rather than physical ones, which could in turn drive down demand for cash.

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    The central bank said it studies how Canadians’ cash behaviours and preferences inform its role managing payment systems in the country.

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    The Canadian Press is Canada’s trusted news source and leader in providing real-time stories. We give Canadians an authentic, unbiased source, driven by truth, accuracy and timeliness.

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  • How to Choose the Right CPA Services for Your Business

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    When it comes to managing your business finances, hiring the right CPA services can make the difference between simply getting by and truly thriving. A Certified Public Accountant offers more than just tax filing—they can help with strategic planning, compliance, and long-term financial health. But with so many options available, how do you choose the right CPA services for your specific needs?

    1. Identify Your Business Needs

    Before you begin your search, make a list of the services you require. CPA firms often provide a range of offerings, including bookkeeping, payroll, tax preparation, audit assistance, and business consulting. A small startup might only need basic tax and bookkeeping support, while a growing company could benefit from advanced financial forecasting or industry-specific expertise.

    2. Look for Relevant Experience

    Not all CPA services are the same—experience matters, especially when it comes to your industry. A CPA who understands the unique regulations, deductions, and challenges in your field can save you time, money, and headaches. For example, a manufacturing company will have different reporting requirements than a nonprofit organization or a digital marketing agency.

    3. Verify Credentials and Licensing

    It’s essential to ensure that the CPA you hire is licensed in your state and maintains their credentials through continuing education. You can verify licensing through your state’s board of accountancy. Additionally, check for professional memberships, such as the American Institute of Certified Public Accountants (AICPA), which signals a commitment to high ethical and professional standards.

    4. Evaluate Communication and Accessibility

    A CPA should be a trusted advisor you can easily reach when questions arise. Ask about their communication style, response times, and whether they offer year-round support or only seasonal services. Good CPA services should feel like a partnership, not a once-a-year transaction.

    5. Understand Their Technology and Processes

    Modern CPA services often integrate cloud-based accounting tools and secure document-sharing systems. This can streamline your workflow, give you real-time insights, and make collaboration easier—especially if your team is remote or spread across multiple locations.

    6. Compare Pricing Structures

    Some CPA services charge hourly, others offer fixed monthly retainers, and some work on a project basis. Understanding how pricing aligns with your needs will help you avoid surprises and budget more effectively. Keep in mind that the cheapest option isn’t always the best—value often comes from the quality of advice and service you receive.

    7. Ask for References and Reviews

    Past client experiences can give you insight into what it’s like to work with a particular CPA. Look for testimonials, online reviews, or even request a few client references. Consistent positive feedback is a strong indicator of reliable service.

    Final Thoughts

    Choosing the right CPA services is about finding a professional who can not only keep your business compliant but also help you plan for future success. By evaluating your needs, checking credentials, and assessing communication, you can partner with a CPA who becomes a long-term asset to your business—not just a line item at tax time.

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    Robert

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  • What Is the Difference Between Green and Sustainable Manufacturing

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    Understanding the distinction between green and sustainable manufacturing is crucial when making a positive impact in the manufacturing industry, whether as a business leader, employee, or informed consumer. In Singapore and beyond, these concepts are shaping the future of production, brand reputation, and market differentiation.

    The rise of eco-conscious consumers and companies seeking to improve their environmental footprint led to an increasing focus on green and sustainable manufacturing. The two concepts often overlap but serve distinct purposes for the future of industrial processes.

    Let’s learn the key differences between green and sustainable manufacturing and understand how adopting either (or both) can positively impact your brand’s long-term success.

    Defining the Concepts

    At first glance, “green manufacturing” and “sustainable manufacturing” may seem like two sides of the same coin. Both aim to reduce environmental impacts, promote eco-friendly practices, and align industries with global efforts toward mitigating climate change.

    However, the fundamental difference lies in their scope, implementation, and long-term vision.

    Green Manufacturing – A Focus on Environmental Impact Reduction

    Green manufacturing refers to processes and practices that aim to minimise environmental impact by reducing waste, emissions, and resource consumption, primarily in the production process. The focus is often on eco-friendly manufacturing technologies, energy efficiency, and pollution prevention.

    Green production processes are designed to use fewer hazardous materials, reduce energy consumption, and lower the environmental footprint in every possible area of production. Green manufacturing companies typically adopt:

    • Renewable energy sources in production lines
    • Waste reduction and recycling programs
    • Cleaner production methods
    • Use of eco-friendly materials
    • Using energy-efficient machinery
    • Reducing water consumption

    These efforts are typically aimed at making manufacturing operations more environmentally friendly. Green manufacturing often involves implementing immediate, practical changes. It focuses on enhancing processes and technologies within the existing framework of the manufacturing system, with a primary emphasis on efficiency and minimising negative environmental impacts.

    Sustainable Manufacturing – Long-Term Solutions for People, Profit, and Planet

    Sustainable manufacturing goes a step further. It not only addresses environmental concerns but also integrates social and economic dimensions. Sustainable manufacturing processes are designed to meet present needs without compromising the ability of future generations to meet their own needs.

    Sustainable manufacturing extends beyond the production process itself, encompassing the broader impact of the entire product lifecycle. From sourcing raw materials to the end of the product’s life. This approach considers:

    • Environmental protection (like green manufacturing, designing products that can be reused or recycled at the end of their life cycle)
    • Social responsibility (worker well-being, fair labour practices, community impact)
    • Economic viability (long-term profitability, resource efficiency, ethically sourced materials)

    Sustainable manufacturing is about creating value in a way that is beneficial for the planet, people, and profits, which is often referred to as the “triple bottom line.” This approach includes not just environmental impact reduction but also social and economic considerations. It adopts a holistic approach to sustainability, ensuring that manufacturing practices are economically viable, socially responsible, and environmentally sound in the long term.

    While green manufacturing is more process-focused, sustainable manufacturing encompasses a broader, more holistic strategy for overall business sustainability, which includes ethical considerations alongside environmental goals.

    What Is the Difference Between Green and Sustainable Manufacturing?

    All sustainable manufacturing is green, but not all green manufacturing is fully sustainable. The key difference lies in scope and intent:

    Green manufacturing is primarily focused on reducing the negative environmental impact of manufacturing processes.

    Sustainable manufacturing encompasses green manufacturing principles but also includes social and economic factors, aiming for a holistic approach to long-term viability.

    Why Should This Distinction Matter to You?

    Both green and sustainable manufacturing are integral to the movement toward more environmentally responsible production in today’s industries. However, they serve different purposes and contribute to the broader goal of reducing global environmental impacts in unique ways.

    This comparison table outlines the key differences and benefits of each approach, helping your business identify how it can reduce environmental impact and future-proof operations.

    Aspect Green Manufacturing Sustainable Manufacturing
    Benefit to Business Improves brand reputation, attracts eco-conscious customers, and provides cost savings through operational efficiency. Builds a strong, resilient brand, differentiates from competitors, and ensures long-term market viability.
    Strategic Business Value Helps companies position themselves as eco-friendly, improving communication with customers and investors. Helps future-proof businesses against regulatory changes and market shifts, building trust with a broader customer base.
    Examples Solar panels, eco-friendly packaging, energy-efficient equipment, and waste reduction. Circular economy practices, ethical sourcing, carbon neutrality, and fair labour practices.
    Real-World Example (Singapore) Panasonic’s solar-powered factory.

    Source: https://www.coolingpost.com/world-news/panasonic-factory-employs-solar-pv/

    Sembcorp’s integrated water plants and circular economy initiatives.

    Source: https://www.siww.com.sg/landing-page/past-events/siww2022/programme/technical-site-visits/sembcorp-newater-plant

    Customer Appeal Attracts eco-conscious customers seeking environmentally friendly products. Attracts customers who value ethical production, long-term environmental responsibility, and social equity.

    The Role of Technology and Innovation

    Advancements in green manufacturing technologies are making it easier for companies to reduce their environmental footprint. However, sustainable manufacturing processes also require:

    • Transparent supply chains
    • Ethical sourcing of materials
    • Ongoing stakeholder engagement

    You can drive innovation that benefits both business and society by combining green manufacturing with broader sustainability goals. As consumers and businesses become more focused on reducing their environmental impact, they are increasingly drawn to companies that prioritise eco-friendly manufacturing.

    How to Get Started: Practical Steps

    Adjusting your business production to fit eco-friendly or sustainable manufacturing can be a powerful way to differentiate your brand in a competitive marketplace. Consider incorporating sustainability-focused messaging into your production lines and reach your ideal consumer through relevant marketing campaigns, emphasising your efforts to adopt green production processes, source materials responsibly, and reduce your carbon footprint.

    If you’re inspired to make a difference, consider these steps.

    1. Assess your current operations: Identify areas where green production and sustainable manufacturing processes can be implemented.
    2. Set measurable goals: For example, reduce energy use by 20% or achieve zero waste to landfill.
    3. Engage your team: Foster a culture of environmentally conscious manufacturing.
    4. Communicate your efforts: Share your journey with customers and stakeholders to enhance your brand reputation.

    Use your eco-friendly and sustainable practices as key selling points in your communications. Educate your audience on the value of green and sustainable manufacturing, helping them understand why these practices are not only good for the planet but also beneficial for consumers.

    Transparency about your processes and commitment to sustainability demonstrates a company that cares about the future of both the environment and the people it serves.

    The Path Forward

    You’re better equipped to champion positive change in the manufacturing and sustainability landscape when you understand the difference between green and sustainable manufacturing. Adopting eco-friendly manufacturing practices and striving for holistic sustainability can set you apart as a forward-thinking, responsible leader.

    Your commitment to sustainability and manufacturing excellence builds lasting trust with your customers, making your brand a beacon of positive change in the industry. Both approaches are crucial in advancing the manufacturing industry’s commitment to sustainability, and they present valuable opportunities for businesses to enhance efficiency and attract eco-conscious customers.

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    2Stallions Digital Marketing Agency

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  • Indian Couple’s Guide to a Romantic Bali Getaway

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    Image by Freepik

    Bali’s tropical beauty makes it a top destination for couples seeking romance, adventure, and relaxation. With breathtaking beaches, vibrant culture, and luxurious stays, it’s perfect for honeymoons, anniversaries, or a special escape.

    Every moment in Bali feels magical, making it the ultimate romantic getaway. Ready for an unforgettable adventure? Let’s learn how you can make the most of your romantic Bali getaway!

    Key Advice for Organising the Ideal Honeymoon in Bali

    Plan a magical and hassle-free honeymoon in Bali with these essential tips for a romantic getaway.

    1. Determine Your Budget

    Bali provides a variety of accommodations and activities to fit different budget ranges. Set a clear budget before you start planning your honeymoon to ensure a stress-free experience.

    2. Select Your Travel Dates

    Bali is a fantastic destination all year round, but the best time to visit for a honeymoon is between April and October. Make sure to plan your trip around your work schedule and other commitments.

    3. Book Your Flights

    Book your flights well in advance to get the best deals. Bali’s Ngurah Rai International Airport is well-connected to many international destinations.

    4. Get Travel Insurance

    It’s wise to purchase international travel insurance to cover any unexpected situations during your trip. Be prepared for unexpected issues, such as flight delays, lost baggage, or medical emergencies, during your Bali adventures.

    Choosing a trusted provider like Digit Insurance can make all the difference, offering global support, smartphone-enabled claim processing, and even coverage for adventure activities. This ensures your trip remains worry-free and unforgettable.

    5. Check Visa Requirements

    Depending on your nationality, you may need a visa to enter Bali. Be sure to check the visa requirements before you travel.

    6. Choose Your Accommodation Wisely

    Bali offers a variety of options, from upscale resorts and charming boutique hotels to secluded private villas. Think about what amenities matter most to you, whether it’s a private pool, a spa, or easy access to the beach.

    7. Plan Your Activities

    Bali offers plenty of activities perfect for honeymooners, like visiting ancient temples, strolling through rice fields, enjoying a couple’s spa session, or even taking a cooking class. Plan your favourite activities and book them in advance for a smooth trip.

    8. Consider Transportation

    Bali can sometimes be busy, so hiring a private driver could make travel easier. You can also rent a scooter or a car, but be aware of the traffic and driving conditions.

    9. Pack Smart

    As Bali has a tropical climate, pack light clothes, swimwear, sunscreen, and insect repellent. Don’t forget a hat, sunglasses, and comfy shoes for walking.

    10. Enjoy Your Honeymoon

    Bali is a beautiful and romantic place. Take time to relax and enjoy each other’s company in this tropical paradise.

    Best Romantic Honeymoon Places to Stay in Bali

    Here are some of the most romantic spots in Bali, ideal for making your honeymoon truly unforgettable.

    Ubud: Peace, Nature, and Culture

    Surrounded by rice fields, waterfalls, and temples, Ubud offers couples privacy and peace. Enjoy outdoor baths, poolside breakfasts, and relaxing couple’s spas.

    Ideal for: Nature lovers and those needing a peaceful escape after the wedding rush.

    Seminyak: Chic Beaches and Luxury Dining

    Seminyak is the perfect blend of beach life, high-end shopping, and nightlife. Savor sunsets at beachside restaurants, or unwind in your private infinity pool.

    Ideal for: Couples who want a mix of beach fun and luxury.

    Nusa Dua: Calm Waters and Exclusive Resorts

    Nusa Dua’s pristine beaches and luxury resorts make it the ultimate spot for honeymooners seeking relaxation and privacy.

    Ideal for: Couples looking for complete luxury and privacy.

    Romantic Experiences in Bali Every Indian Couple Will Love

    From dreamy sunsets to couples’ spa days, Bali offers Indian couples unforgettable ways to connect, relax, and celebrate love.

    1. Sunset at Uluwatu Temple

    Watch the sun set over the ocean from a cliff at Uluwatu Temple, accompanied by a traditional Kecak dance.

    2. Couple Spa with a Flower Bath

    Relax with a traditional Balinese massage and enjoy a luxurious flower bath. Many resorts offer in-villa spa services for a private experience.

    3. Swing Above the Jungle

    Snap an unforgettable photo on the iconic Bali Swing in Ubud, often paired with a scenic lunch.

    4. Private Photoshoot

    Capture your love with a professional photographer at picturesque locations like Tegalalang Rice Terrace or Tibumana Waterfall.

    5. Candlelight Beach Dinner

    Savour a romantic seafood dinner at Jimbaran Bay, with your feet in the sand, surrounded by candlelight and the soothing sound of waves.

    6. Indian Food Romantic Dining Options

    While Bali’s local flavours are worth exploring, sometimes nothing beats the comfort of familiar Indian cuisine, especially on a romantic getaway. Areas like Seminyak, Kuta, and Ubud offer several Indian restaurants that are perfect for a cosy dinner for two.

    Many upscale resorts also offer custom Indian meals, including vegetarian and Jain options, upon request. This ensures that both love and flavour stay on the table throughout your trip.

    Things to Keep in Mind by Indian Couples on a Romantic Getaway in Bali

    Here are key travel tips for Indian couples to make your getaway smooth, memorable, and stress-free.

    1. Currency

    Indonesian Rupiah (IDR). 1 INR ≈ 190 IDR (check current rates).

    2. Flight Duration

    Approximately 6–8 hours from major Indian cities (via Kuala Lumpur/Singapore).

    3. Travel Insurance

    Purchase reliable international travel insurance before your trip to protect your honeymoon from unexpected issues like flight delays, medical emergencies, or baggage loss. It’s a small step that offers big peace of mind.

    4. Local SIM Cards

    Major mobile companies provide affordable data plans, making it easy to stay connected while travelling.

    5. Best Time to Visit

    April to October (dry season), perfect for beach and outdoor activities.

    6. Dress Code for Temples

    Modest clothing is required, with sarongs often provided at the entrance.

    Bali is truly one of the top destinations for a romantic escape, combining relaxation, adventure, culture, and luxury in the perfect setting. Whether you’re exploring ancient temples, lounging on the beach, or enjoying a candlelit dinner, there’s something for every couple.

    With its rich culture, luxurious resorts, and breathtaking landscapes, Bali guarantees an unforgettable experience for couples in love. So pack your bags and get ready for a romantic adventure of a lifetime!

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    Robert

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  • Commentary: California has sued Trump 37 times. Here’s what’s at stake.

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    Seven months into President Trump’s second term, California has filed 37 lawsuits against his administration and spent about $5 million doing it.

    Before you go off on a government-spending rant, let me drop this figure on you: For each dollar the state has spent in litigation with Trump, it has recouped $33,600 in funds that the federal government has tried to take away from the Golden State, according to Atty. Gen. Rob Bonta.

    That, as he put it during a Monday news conference, is “bringing the receipts.”

    These aren’t dollars Californians were wishing for or begging for from the federal government — these are funds that have already been legally allotted to the state but which the Trump administration is attempting to stop for reasons petty, ideological or both. They pay for teacher training, immunizations, tracking infectious diseases, keeping roads safe, disaster recovery and on and on. And they are predominantly your tax dollars, being withheld from your state.

    “What we’re demanding is that we get the funding that’s already been legally approved and appropriated,” Bonta said.

    But as much as it’s about paying for the basics that keep California going, it’s also about protecting an inclusive and equitable way of living that defines the ethos of our state. Don’t tread on us! Californians get to spend our money how we see fit.

    “When you add it all up, you see the totality of what’s at stake: the California dream,” Bonta said. “The idea that every Californian, no matter how they look, where they live or how much money they have, can send their kid to school, go to the doctor when they’re sick and put food on the table and a roof over their heads.”

    Or as Gov. Gavin Newsom put it, it’s litigation not for the sake of suing, but to “defend, to stand tall, to hold the line in terms of our values, the things we hold dear.”

    It’s serious times, folks. Trump has made it clear that he doesn’t stand for LGBTQ+ rights, for immigrants’ rights, for women’s rights, for due process or even public schools. But so far, the courts have held, for the most part, to their responsibility to be a check on this unbalanced administration.

    Of course, lawyers win cases, sometimes regardless of facts. I want to give a shout out to our state Department of Justice. Bonta may be the state’s top lawyer, but there is a whole army of legal folks behind these lawsuits.

    The $5 million spent so far has been entirely in-house, Bonta said. This cash isn’t going to expensive outside counsel, but, as my colleague Kevin Rector points out, money that is funding the smart, talented attorneys and staff who work for taxpayers.

    More than a few of them were around during Trump’s first term, when the state was involved in more than 120 lawsuits against his administration. Many of those suits were about process — the haphazard, rules-be-damned way Trump seeks to implement his policies.

    Our California lawyers learned then that courts do in fact uphold law, and simply pointing out that rules have to be followed was often enough to stop Trump. While we now have a seasoned legal team that understands the weaknesses in what Trump is doing, the sort-of-funny part is that he’s still doing it. Few lessons learned, which is good for California.

    So far, these lawsuits by California have ensured that about $168 billion that Trump would have cut off instead continued to flow to California. Bonta said that in the 19 cases that have made it in front of a judge so far, he’s succeeded in 17, including winning 13 court orders directly blocking Trump’s “illegal actions.”

    He’s also secured wins outside of court, including when the U.S. Department of Education recently backed down after freezing school funding weeks before school is set to start. That funding, under threat of a lawsuit, has been restored.

    Bonta said that while the state is fighting every lawsuit with rigor, two are personal to him and “remain sort of the most important in terms of what they represent.”

    They happen to be the first two suits the state filed, shortly after Trump took office. The first was about birthright citizenship, and Trump’s bid to end it. It’s a case Bonta says is “very meaningful” to him.

    Bonta was born in the Philippines and immigrated to the United States when he was 2 months old, living in a trailer in the Central Valley town of La Paz, the home of the United Farm Workers. His parents left their country to avoid martial law as the dictatorship of Ferdinand Marcos gained power, and worked with civil rights leaders including Cesar Chavez once they settled here.

    So it makes sense that an executive order that would leave about 24,500 babies born each year in California without U.S. citizenship hits hard with Bonta.

    Bonta, along with attorneys general of several other states, filed that lawsuit the day after Trump took office, in response to an executive order he signed on Inauguration Day. So far, multiple courts have expressed deep skepticism of that order, and the idea that the Constitution and prior Supreme Court rulings should be ignored in favor of Trump’s position.

    The second case that Bonta takes personally is a multistate pushback on Trump’s sweeping halt of federal funding. That case put at risk about $3 trillion nationwide, including that $168 billion in California, about a third of the state budget.

    Coming up next is a challenge to the deployment of Marines and National Guard troops in Los Angeles. The Trump administration has been quietly removing those soldiers in recent days, perhaps in preparation for asking the court to drop that case, which seems like a loser for them. No troops, no case. We’ll see how it goes in a few days.

    “The Marines and the National Guardspeople arrived to quiet streets in L.A.,” Bonta said. “The president has been incredibly, in my view, disrespectful to these patriots. He’s treated them as political pawns.”

    The $5 million the state has spent so far on legal fights with Trump is part of $25 million the Legislature set aside earlier this year during a special session. Bonta said that even that will likely not be enough to keep the challenges flowing for the next three and a half years.

    Newsom, for his part, is all in and promised that Bonta “will not be in need of resources to do his job.” (And yes, I know it raises his profile for a 2028 presidential run.)

    As much as it seems ridiculous that we are setting aside this huge chunk of change for legal fees at a moment when we are facing a budget crisis, the cost of letting Trump run roughshod over our state is much higher. This is money well spent.

    Because it’s not just our federal funding at stake, it’s the California dream.

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    Anita Chabria

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  • Changing Your Spending Habits

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    Have you ever looked at your bank account at the end of the month and thought, “Where did all my money go?” You’re not alone. Most of us have been there at some point, scratching our heads and wondering how all those little purchases added up so fast.

    Changing your spending habits isn’t about cutting out all the fun or feeling guilty every time you swipe your card. It’s about becoming more aware of where your money is going and making choices that actually support your goals and dreams.

    For many people, shifting spending habits becomes a priority when they’re facing serious financial challenges, like medical debt relief. After all, big life events and unexpected costs can shine a light on the importance of making more intentional money decisions. But you don’t have to wait for a crisis to start. You can make changes today that set you up for a stronger financial future.

    Get Clear on Your Why

    Before you change any habit, it helps to understand why you want to do it. Without a clear reason, it’s easy to fall back into old patterns.

    Ask yourself what you really want from your money. Do you want to feel less stressed about bills? Save for a big trip? Build a safety net so you’re ready for emergencies?

    Write your reasons down and keep them somewhere visible, like on your fridge or as a note on your phone. This reminder can help you stay motivated when you feel tempted to spend on something you don’t need.

    Track Your Spending Without Judgment

    A lot of people avoid looking at their spending because they’re afraid of what they’ll find. But knowledge is power.

    Spend a month tracking every dollar that leaves your account. You can use an app, a notebook, or a spreadsheet — whatever feels easiest. The key is to write everything down honestly without judging yourself.

    When you see where your money is going, you can start to notice patterns. Maybe you spend more on takeout than you thought or realize those small impulse buys at the store really add up.

    Create a Simple, Realistic Budget

    Budgets don’t have to be complicated or restrictive. A simple budget can be a helpful guide rather than a set of strict rules.

    Start by listing your fixed expenses like rent, utilities, and debt payments. Then look at your variable spending, like groceries, entertainment, and shopping.

    Give yourself realistic limits. If you love going out for coffee, don’t cut it out completely. Just set a reasonable amount each month so you can still enjoy it without guilt.

    Find Your Spending Triggers

    A lot of spending happens without us even thinking about it. Maybe you shop online when you’re bored, stressed, or celebrating.

    Take note of what’s happening when you make unplanned purchases. Are you feeling down after a hard day? Did you see an ad that made you feel like you “needed” something new?

    Once you know your triggers, you can create healthier ways to handle those feelings. For example, if you shop when you’re bored, try going for a walk or calling a friend instead.

    Make It Harder to Spend Impulsively

    We live in a world where it’s super easy to spend money. Just a few clicks and something is on its way to your door.

    To slow yourself down, delete saved payment information from shopping sites, unsubscribe from marketing emails, and remove shopping apps from your phone.

    These small changes add a pause between wanting something and buying it, giving you time to think about whether you really need it.

    Celebrate Progress (Not Just Perfection)

    Changing habits takes time, and you’re going to slip up now and then. That’s totally normal.

    Instead of focusing on every mistake, celebrate your wins. Did you stick to your grocery budget this week? Avoid that impulse buy? Make an extra payment toward Medical Debt Relief?

    These small victories matter and help build your confidence. Over time, they add up to big changes.

    Set Up Automatic Supports

    Automating good decisions can make it easier to stick to your new habits.

    Set up automatic transfers to savings right after payday so you don’t spend that money without thinking. You can also automate bill payments to avoid late fees and protect your credit score.

    The less you have to rely on willpower alone, the more likely you are to succeed.

    Lean on Your Community

    Talking about money can feel uncomfortable, but sharing your goals with a trusted friend or family member can help keep you accountable.

    You can also join online groups or local meetups focused on budgeting or debt repayment. Seeing others work toward similar goals can motivate you and make you feel less alone.

    Final Thoughts

    Changing your spending habits isn’t about depriving yourself or living on the bare minimum. It’s about aligning your money with your values and long-term goals.

    By becoming more self-aware, creating a simple plan, and taking small, practical steps, you can build habits that support the life you really want.

    Whether you’re focusing on paying off Medical Debt Relief or just trying to save a little more each month, every small step forward is a victory. Start today, be kind to yourself, and remember that progress is always better than perfection.

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    Robert

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  • Los Angeles approves plan to spend nearly $425 million in ‘mansion tax’ money

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    The Los Angeles City Council on Tuesday approved a plan to spend nearly $425 million collected from Measure ULA, directing the money to a series of affordable housing and homelessness programs.

    The spending plan for the 2025 fiscal year that started Tuesday is the largest yet under Measure ULA, also known as the mansion tax.

    The voter-approved measure, which taxes property sales above about $5 million, has drawn criticism from the real estate industry for years and recently been the subject of several reports that found it has limited property sales and thus reduced property tax revenue and the construction of new housing.

    Backers, however, tout the measure as providing crucial dollars to affordable housing and homelessness prevention programs at a time when the state and county have cut funding.

    In all, the 2025 ULA spending plan is greater than all other years combined.

    “Don’t believe the hate from big-money real estate or their lies appearing all over the media,” Joe Donlin, director of United to House LA, said in a statement. “Measure ULA is doing the steady work to create stable homes and good jobs for Angelenos.”

    Under the plan approved Tuesday, more than $100 million is set to flow to homelessness prevention programs, including income support for at-risk tenants and eviction defense.

    The majority of the 2025 funds, more than $288 million, is to be spent on the production and preservation of affordable housing.

    Since voters passed the measure in late 2022, the tax has collected more than $702 million, according to the city’s Housing Department.

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    Andrew Khouri

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  • New Study: Men Spend $48.52 on OnlyFans Models, but Only 4.2% of Subscribers Pay

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    Analysis of over 1 million subscribers reveals surprising economic insights into the popular platform

    A groundbreaking study conducted by OnlyGuider, with data support from OnlyTraffic, analyzed the behavior of 1,003,855 OnlyFans subscribers. The results showed that just 4.2% of subscribers spend money on the platform, averaging $48.52 per creator. Meanwhile, the top 0.1% of creators dominate, capturing 76% of all revenue and earning an average of $146,881 monthly.

    The study, based on 58,947,698 transactions totaling $2,045,944, highlights the critical role of engagement, with messages driving 69.74% of revenue.

    Key Findings from the Study

    Subscriber Spending: Only 4.2% of subscribers spend money, averaging $48.52 per creator. The majority (95.8%) pay nothing. For success, it’s crucial to find and retain those willing to pay.

    Distribution of Revenue Among Creators: The top 0.1% of creators take 76% of all earnings, averaging $146,881 per month. The remaining 99.9% share just 24%. Competition is fierce, and the top is the elite.

    Earnings per Subscriber: Models earn an average of $2.06 per subscriber. To stay profitable, acquisition costs must be below $2. Marketing efficiency is key.

    Impact of “Whales”: Only 0.01% of subscribers (“whales”) generate 20.2% of revenue. These generous users are gold for creators. They need to be found and retained.

    Sources of Income: Messages provide 69.74% of revenue, while subscriptions account for just 4.11%. Personal interaction with subscribers is far more profitable than mere subscriptions.

    Timing of Payments: 83.3% of payments come within the first 48 hours after subscription. Spending drops sharply afterward. It’s important to engage newcomers immediately with welcome content or offers.

    Weekend Revenue: Weekends account for 29.7% of revenue. Subscribers are more likely to spend on these days, making it the best time for promotions and content.

    Subscriber Activity: Only 17.19% of subscribers initiate communication with creators, while 82% remain silent.

    Complete Study Results: https://onlyguider.com/blog/onlyfans-statistics/

    OnlyGuider’s innovative search engine helps thousands of users discover OnlyFans creators that match their interests, providing a seamless connection between creators and their audience. Whether you’re looking for specific niches or new talent, OnlyGuider makes it easy to find the perfect fit.

    Meanwhile, OnlyTraffic, a leading CPA platform for OnlyFans, helps creators boost their audience and revenue through strategic partnerships with marketers, driving growth and maximizing earning potential.

    Source: Khvatov Team

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