Community, Diversity, Sustainability and other Overused Words
Community, Diversity, Sustainability and other Overused Words
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Note: If you're looking for a good local hard money lending company, we recommend Crescent Lenders: https://www.crescentlenders.com/santa-monica-hard-money-lenders/ Why many first-time investors choose a hard money loan The real estate investment arena hasn’t exactly been rolling out the red carpet for new investors, but things are about to change. According to industry insiders, we’re stepping into a Goldilocks zone over the next six to 12 months. For the last few years, you...
How is seasonal affective disorder linked to substance use disorder? Seasonal affective disorder (SAD) is sometimes flung around casually in conversation. But it’s more than just feeling sad when the winter and darker days set in. SAD is classified as a major depressive disorder with a seasonal pattern. About 25% of people living with serious mental health conditions, including SAD, deal with addiction. Similarly, if you have bipolar disorder, symptoms of depression may worsen...
Seasonal affective disorder? It might be your hormones The “winter blues” are real. Seasonal affective disorder (SAD) affects roughly 5% of U.S. adults, and nearly 4 in 10 people say their mood reliably tanks in winter. Less sunlight, shorter days, and melatonin going into overdrive all play a role. While SAD may be a convenient scapegoat for every low mood between November and March, its symptoms—like fatigue, irritability, low motivation—can also be driven by hormone...
What drivers pay for auto insurance in every state: A monthly cost snapshot Auto insurance costs continue to rise nationwide, reflecting factors such as increasing claim severity, repair costs, and state-specific insurance regulations. Cheap Insurance, a consumer-focused insurance comparison website, investigates the premium cost averages for minimum liability and full coverage auto insurance across the U.S., including state-by-state breakdowns. Keep in mind that these are...
Worried about surveillance, states enact privacy laws and restrict license plate readers As part of its deportation efforts, the Trump administration has ordered states to hand over personal data from voter rolls, driver’s license records and programs such as Medicaid and food stamps. At the same time, the administration is trying to consolidate the bits of personal data held across federal agencies, creating a single trove of information on people who live in the United S...
The most popular cities to move to in 2026 Many former sweetheart cities are losing their crowns to these up-and-comers. MoveBuddha data shows Austin’s out, while cities like Knoxville, Saint Paul, and Chicago are rising up. After years of buzz, Florida’s real estate market is “nursing a hangover.” And Austin’s once red-hot real estate market is now sagging under price reductions as homes linger on the market. So where will Americans land next? To determine which way the w...
How policy is setting the stage for markets in 2026 As we step into 2026, the fundamental backdrop for markets appears more favorable than anything we’ve seen since 2021. It may be hard to remember after wrapping up a strong year for global markets, but investors climbed a significant wall of worry throughout 2025. Policy uncertainty dominated headlines: Would DOGE trigger a recession? Was the U.S. heading into a trade war? Would the Fed prioritize fighting inflation or s...
Pennsylvania’s unique system of electing poll workers comes with downsides For this November’s election, no candidate was listed on the ballot for judge of elections in Scranton’s Ward 6, Precinct 1. So the poll worker on duty allegedly wrote her own name on the ballots. According to the Lackawanna County district attorney, Kathie Sico, who was serving as the precinct’s judge of elections that day, decided to write herself in for the position on the ballots before handing...
The rule of seconds: A safe following distance on the highway Following too closely behind another vehicle, or tailgating, is one of the most common causes of car accidents across the country. Rear-end accidents often lead to serious injuries, including whiplash, even when they occur at a slow speed. For this reason, drivers should always keep a safe distance between their cars and the vehicles ahead of them in traffic. As a driver, you may wonder what constitutes a “safe d...
After the holidays: Hardcore ways to get your budget back on track The holidays can be a delightful time—full of traditions, loved ones, and moments you want to make special. Between gifts, gatherings, and seasonal events, holiday spending can add up fast. And if your bank account took a hit—or you went over your budget—try not to be too hard on yourself. It happens, and it’s absolutely possible to bounce back. You can learn to manage financial setbacks, including holiday...
Which states limit renters insurance requirements and which do not Renters insurance is not required by law in any U.S. state, but landlords often make it a condition of renting through a lease agreement. What varies by location is how much control state law gives landlords when requiring coverage. Some states include additional tenant protections that limit how renters insurance requirements can be enforced, while others give landlords broader flexibility as long as the...
Why parents aren’t reading to kids, and what it means for young students Jeana Wallace never enjoyed reading as a child. The books she read in school didn’t interest her and “constant deadlines made it even harder to connect with the stories,” she said. Reading was a chore, something to rush through for a test or school assignment. So when Wallace became a mother in 2019, she didn’t read to her son at home often — about once or twice a week, “maybe not even that,” said W...
Is interest in a 4-year college degree drying up? Not really. American colleges are under siege. The Trump administration has waged a legal and rhetorical battle against the country’s elite universities. Voters have grown increasingly skeptical of higher education. Some high school students are questioning the value of a college diploma. In turn, there’s been a veritable firehose of news stories about a generational pivot away from college due to some combination of rui...
How a gang tattoo removal program is helping people start fresh When people walk into the Clean Slate tattoo removal clinic at the University of California San Diego, they carry more than just ink on their skin. Many are justice-impacted adults — people with histories of incarceration, probation, or parole — trying to shed a visible reminder of a past they’ve already worked hard to leave behind. Some arrive with gang tattoos on their faces or hands that expose them to viole...
How award season has evolved into a second-screen cultural spectacle In a media landscape shaped by on-demand streaming and personalised feeds, live television might seem like a fading idea. Yet year after year, award shows like the Golden Globes still dominate timelines, group chats, and entertainment headlines. They create moments that capture reaction, commentary, and conversation in real time. That cultural pull is reflected in both viewing figures and social buzz. The...
Analyzing the growing role of real estate in intergenerational wealth As older generations (particularly Baby Boomers and the Silent Generation) retire or pass away, their assets are transferred to heirs, who are largely family members. According to a recent report from Cerulli, approximately $124 trillion will move from older generations to Gen Xers and Millennials by 2048. This means the United States will experience a historic intergenerational wealth transfer over the...
Only 40% of remote workers get clear feedback from management, new survey shows As a growing number of major companies make headlines with return-to-office mandates, conversations often center on productivity and culture. Far less attention is paid to the fundamental question: Are companies actually managing remote work effectively? New data suggests that many companies are still struggling to adapt. Remote work itself isn’t to blame, as the data shows that distributed t...
How QR Codes level the playing field for brands in January What kills January resolutions: lack of willpower or too many steps? Approximately 43% of people abandon their New Year's resolutions before the end of the month. This may not be because they stop wanting to change but that getting started requires too much setup. And if those resolutions involve trying a new brand or service? The friction multiplies. Download this. Create an account. Verify your email. By the time...
Everyone hates gas-powered leaf blowers. So why is it so hard to ban them? The push to ban gas-powered leaf blowers has gained an unlikely figurehead: Cate Blanchett, the Australian actress. “Leaf blowers need to be eradicated from the face of the Earth,” she said in an interview in March. Her complaints have gone viral on TikTok and other social media platforms. “It’s a metaphor for what’s wrong with us as a species,” Blanchett said. “We blow s--- from one side of our lawn t...
Minimum payments myth and more decoded: What 50% of U.S. consumers don’t know about managing credit wisely Your credit score is one of the most important numbers in your financial life, yet it remains a mystery to many. To find out what people really know about their credit, Credit One Bank conducted a survey in November with 1,000 U.S. consumers — asking them about everything from where they learned about credit to how scores are calculated. What was discovered? A lot of con...
Cozy hobbies are the new self-care on TikTok—here’s how to find yours According to TikTok, “cozy hobbies” are the new self-care—and it’s easy to see why. These low-effort activities like journaling, watercoloring and crocheting invite you to slow down, use your hands and unplug from screens for a while, which is something we all need in this fast-paced, digital world. While the cooler months naturally call for all things cozy, especially as the days get shorter, evenings gr...
How demand for clean skincare products is reshaping the beauty aisle The cosmetics industry has had its fair share of critics over the decades, meaning that adaptability is built into its DNA. In the past, this took the form of moves away from animal testing and a reconfiguring of marketing around body positivity rather than unattainable, unhealthy standards. Today, there’s quite a different pressure on the market. The intermingled consumer demand for sustainability, naturalne...
What to eat when you have the flu: 5 foods to eat and 3 foods to avoid When the flu hits, your body needs more than just rest. Proper nutrition plays a crucial role in helping your immune system fight off the virus and recover faster. Eating the right foods can reduce symptoms like fatigue, congestion, and sore throat, while avoiding certain foods can prevent aggravating your condition. Flu symptoms often include fever, chills, body aches, and digestive upset. These symptoms...
Psoriatic arthritis medications: A comprehensive guide Psoriatic arthritis is an autoimmune condition that causes joint inflammation, skin symptoms, and pain. People searching for psoriatic arthritis prescriptions are often looking for detailed information about medication options, their effectiveness, potential side effects, and ways to manage costs. This guide from SaveHealth, a prescription discount/savings card website, explores the most commonly prescribed medications...
What revenue operations actually need to know about dialer software Your sales team is burning through leads faster than they can convert them, and your cost per acquisition keeps climbing. Reps spend 70% of their time on nonselling tasks, according to Salesforce’s State of Sales research, including manual dialing. Apollo.io explains what revenue operations teams should understand about dialer software. Key takeaways - Manual dialing kills productivity: Reps spend 80% of t...
