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Bernie Sanders Gives $1 Million to Bolster El-Sayed and Counter AIPAC in Michigan
The transfer came day after the news that the pro-Israel lobby was planning to contribute as much as $9 million to defeat the Democratic nominee for Senate.
Indiana men’s basketball listed as a top NIL spender ahead of 2026-27 season
Indiana, fresh off a transfer portal roster reload, was listed as a big spender by CBS Sports ahead of the season.
Liverpool Injury News: Szoboszlai, Munoz, and Frimpong Latest
Liverpool fans have been provided with a series of fitness updates following the team's pre-Brighton training session this morning. Multiple players face a race against time to be fit for the weekend's Premier League clash, with others set for longer layoffs.
Sheba sells ARC innovation arm to Redesign Health in deal valued at tens of millions of dollars
The deal transfers management of ARC’s global network and the rights to establish new hospital innovation centers to the U.S. healthcare venture builder, while Sheba retains its stakes in portfolio companies.
Baptist Memorial marks lease transfer at Merit Health Rankin
The transfer was first announced on June 2 after a unanimous vote by the Rankin County Board of Supervisors.
Beacon Health to lay off social workers, move crisis screening to telehealth
Beacon Health System says it is laying off several social workers as it transitions to telehealth behavioral health crisis screening in West Michigan emergency
Abbott to separate nutrition business after $385 million settlement tied to formula recall
Abbott, a local medical device and baby formula manufacturer, is planning to separate its nutrition business.
Roma looking to make two signings in January
Roma is already looking ahead to the January transfer window with the goal of expanding Gian Piero Gasperini’s options. The Giallorossi intend to make the squad more competitive and equipped to tack...
Science magazine’s climate plan is a wealth transfer scheme in disguise
Climate policies too often seem to be schemes to transfer wealth and power to special interest groups and spending programs.
Urban Meyer only has one concern about a 24-team College Football Playoff
Urban Meyer won three national titles as a college football head coach, but the game is already very different from his time at Florida and Ohio State. The ways NIL and the transfer portal have shifted the sport’s landscape were hard to predict, and the Fox Sports college football analyst is among those who misread…
Antonio Miguel Cardoso to Leave Olympiacos
Olympiacos have severed ties with their football director, Antonio Miguel Cardoso, following an intense transfer window.
Transfer student finds home at St. Mary’s University
Tabby Lawson finds a welcoming community at St. Mary’s University, discovering a passion for education and personalized support.
SRS names former Allianz exec to alternative risk role
Strategic Risk Solutions said Tuesday it has appointed former Allianz Commercial executive Chris Terry as managing director and head of alternative risk transfer and risk strategy, effective April 19…
Denver Mayor Mike Johnston agrees to allocating $2 million to help businesses impacted by city construction
Denver Mayor Mike Johnston responded to the City Council's request for changes to the 2027 budget, in which city revenue is expected to increase slightly more than 1% from this year.
PFF bye week grades: transfer grades
Nebraska football heads into its bye week at 5-2 after two gut-wrenching losses: a top-10 Indiana team at home and former quarterback Dylan Raiola leading back-to-back touchdown drives to steal
Trump administration holds up Patriot missiles for Ukraine
Delays in approving transfers from partner countries coincide with a worsening rupture between President Donald Trump and Volodymyr Zelensky.
Liverpool Reportedly Out: Chelsea Target ‘Dead Set’ on Joining Blues
Despite it being October, the transfer mill never truly stops spinning with clubs seemingly already lining up their business for January and beyond. Liverpool have started their season under Andoni Iraola fairly well, new reports indicate they won't look to strengthen certain areas in the winter window, which could open the door for Chelsea to …
Mobile health clinic in Southwest Michigan impacts local community
A mobile health clinic in Southwest Michigan is celebrating a milestone after seeing 1,000 patients in less than a year.The team says that number reflects a gro
Sean Combs transferred to new prison after perks report, head injury
Sean Combs was transferred on Friday to FCI Allenwood, a low-security prison in Pennsylvania, following allegations of special prison perks and a head injury at FCI Fort Dix in New Jersey.
Memorial honors North Kingstown officer as family encourages mental health conversations
A new memorial honors a North Kingstown police officer who died by suicide months after joining the department.
Manny Diaz has Suggestion to Fix Transfers in College Athletics
Duke football head coach Manny Diaz has a great suggestion on how to fix transfers in college athletics.
Sean 'Diddy' Combs transferred to Allenwood prison
Disgraced music producer Sean "Diddy" Combs, who was sentenced for prostitution-related crimes, has been transferred to a new US prison following media reports detailing an alleged brawl and special treatment
Family Business Succession Planning Is About More Than Assets
Family business succession is about more than transferring assets. A meaningful legacy also reflects your values, strengths, sense of purpose and the example you leave for future generations.
Sean ‘Diddy’ Combs transferred to new federal prison after medical emergency
Sean ‘Diddy’ Combs was moved from FCI Fort Dix in New Jersey to FCI Allenwood Low in Pennsylvania days after he reportedly suffered a head injury.
Family Business Succession Planning Is About More Than Assets
Family business succession is about more than transferring assets. A meaningful legacy also reflects your values, strengths, sense of purpose and the example you leave for future generations.
Tottenham Looking For A Striker In January
Tottenham Hotspur are reportedly preparing to strengthen their first-team attack when the January transfer window opens, according to TEAMTALK, with Roberto De Zerbi said to have identified five potential striker targets.
Ocasio-Cortez Transfers $1 Million to Help El-Sayed in Michigan Senate Race
The transfer represents an unusually large amount for a House member to give to a Senate race.
Schimpf: How Oklahoma business owners should prepare for the Great Business Transfer
Merrill Wealth Management President Eric Schimpf urges Oklahoma business owners to plan early for sales, succession and wealth transitions.
Transferra Launches Visa Cards for Business and Private Clients
Transferra Transferra Launches Visa Cards for Business and Private Clients Transferra London, UK, Oct. 15, 2026 (GLOBE NEWSWIRE) -- Transferra Launches New Virtual And Physical Visa Cards For Business Accounts And For The People Behind Them A black Visa Business card for company spending and a Visa card in purple-to-silver gradient for personal use, each issued as a virtual and a physical card, linked directly to clients' Transferra accounts. Transferra today announced the launch of new Visa pay
Judge orders Benson student to remain in mental health facility, for now
Wednesday marked the third hearing to decide whether the student should remain at a mental health facility or be transferred to a juvenile detention center. But it saw a dramatic last-second reversal, with the student only minutes away from being taken into custody to a local detention center.
Are Bank Lobbies Still Relevant?
Local banking leaders say technology is changing the way customers use their banks — and their lobbies By Deborah Jeanne Post [caption id=attachment_11109 align=alignright width=300] Steve Gorczynski is M&T Bank Central New York regional president.[/caption] When was the last time you entered the lobby of your bank? If it’s been a while, you’re part of a trend of eschewing the lobby in favor of ATMs, drive-thrus, online banking and remote deposit. A 2025 study performed by the American Bankers Association revealed that only 9% of consumers use bank branches as their preferred way to do banking and 76% prefer mobile banking. The trend away from the lobby reflects consumer behavior in other areas of doing business, including online shopping instead of perusing the mall, ordering fast food at a kiosk, not at the counter and selecting curbside pick-up rather than walking into the restaurant. Consumers want convenience and going in the lobby adds another layer to the task. It also places consumers face to face with one or more representatives of the business, something less favorable to people feeling burned out from interpersonal interactions. Nixing or at least minimizing the size of the lobby isn’t necessarily negative for banks. Fewer people passing through their doors reduces overhead for building maintenance, staffing and furnishing. Greater reliance on virtual banking can mean closing brick and mortar locations and hiring fewer staffers to cover roles like teller and lending officer. “Our focus is on meeting customers where they are and giving them flexibility in how they bank,” said Steve Gorczynski, M&T Bank Central New York regional president. “While many everyday transactions can be supported digitally and through ATMs, branches remain important for more complex financial needs, offering face-to-face guidance and a more personal banking experience.” Talking with a commercial lender or working on a home mortgage are two examples where meeting face-to-face is more desirable for many people. They can receive immediate feedback to questions and can possibly reach their goals more quickly. But there’s little need to have a large seating area, long counters and numerous tellers for routine banking that’s quicker to handle virtually. Online banking can also help people on the go more readily complete banking tasks such as depositing checks, transferring funds among accounts and checking balances. [caption id=attachment_11135 align=alignright width=300] Tina M. Stephens is the vice president branch administration for Fulton Savings Bank.[/caption] “The traditional bank lobby is certainly being evaluated by most institutions today, as the typical large, open and cavernous spaces do not necessarily meet the needs of today’s customers,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “Traditional lobbies often bisect traditional teller stations and customer service areas, which adds confusion, especially for the demographic who routinely use online banking and only access the lobby for customer service needs.” Despite the rollback in physical locations across the industry, Fulton Savings Bank began modernizing its six branch offices in Oswego and Onondaga counties about three years ago and have finished four offices so far in Baldwinsville, Fulton, Constantia, and Phoenix. “We made the decision to build a new branch across the street from our current office in Brewerton which will be completed by the end of 2026, and we will begin the retrofit of our Central Square office in early 2027,” Stephens said. “Our efforts specifically address where we think customers will be in the next three to five years and have greater flexibility to make changes out into the future.” The bank may be onto something, as numerous reports state that screen-weary Gen Z young adults crave more in-person interactions than virtual ones. If the pendulum continues to swing in that direction, it’s hard to see all physical bank areas disappear, even if they change somewhat. Fulton Savings Bank has also consolidated its teller and customer service representative areas to larger “universal banker” areas, where the bank representative can address all customer retail needs. A one-stop-shop experience appeals to busy banking customers who want to perform a few different banking tasks in one visit. Stephens also said that Fulton Savings Bank made additional technology and security enhancements and created flex spaces to accommodate bank meetings throughout the two-county branch footprint. At Solvay Bank, Elizabeth Lavier, vice president marketing and communications manager, lauded digital and online services as convenient and flexible for managing finances; however, “technology is not meant to replace what matters most: the relationships behind every account that have always been at the heart of community banking,” she said. “Even in today’s digital-first world, people of all ages still value the opportunity to sit down with a trusted banker for personalized guidance. We understand that some of life’s biggest moments call for more than a screen.” Lavier views digital banking as another way for the organization to serve customers rather than a replacement for branches, tellers and lenders, which tend to serve customers better for transactions like buying a first car, purchasing a home, saving for a child’s education, or planning for retirement. “Those conversations, built on understanding, experience and personal guidance, are what community banking is all about,” Lavier said. “At the end of the day, banking is about more than transactions. It’s about helping our customers achieve their goals and being there for them every step of the way. By combining the convenience of digital banking with the care, commitment, and personal service of a local community bank, Solvay Bank offers customers the best of both worlds.” Are Paper Checks Destined to Disappear? With the ubiquity of debit cards, online payments, virtual checks and peer-to-peer payment platforms like Venmo, Zelle and PayPal, will paper checks become passe? “In my view, paper checks are unlikely to disappear in the near future,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “They continue to serve a practical purpose by providing a clear paper trail and tangible proof of payment.” According to the American Banker, a leading trade publication that covers the banking and financial industry, in 2024, checks accounted for 65% of all payment fraud losses. Paper checks should be phased out, according to the publication. “The phrase, ‘The check’s in the mail’ probably sounds strange to younger people because the era of paper checks is rapidly drawing to a close. Put bluntly, checks are an expensive, insecure legacy that is a drag on the U.S. economy. Rather than wait for them to vanish slowly, the pragmatic choice is to strategically accelerate the transition to paperless payments.”
Retiring from Farming
Start now to ensure your farm passes to the next generation Deborah Jeanne Post [caption id=attachment_11062 align=alignright width=405] Adam C. Howell, outreach director at Cornell’s NY FarmNet: “Retirement from farming is atypical planning,” he says.[/caption] Roughly 70% of family-owned farms will transfer ownership withing the next two decades, according to data from to the USDA census. Only 30% of those will remain in the family. The number of farms in New York is shrinking as the size of farms increases. In other words, there are fewer farms in the state, but they’re much larger. This is why succession planning is so important for family farms. A farm represents not only a way to make a living but a legacy and family tradition. Many families want to preserve the small farm segment of agriculture and the values it represents. Passing the family farm to the next generation can’t be left to chance. And it shouldn’t be left for “the kids to figure out” after the older generation dies. Succession planning in agriculture isn’t like other types of business retirement planning or personal final planning. “Retirement from farming is atypical planning,” said Adam C. Howell, outreach director at Cornell’s NY FarmNet. “Most farmers, their assets and the way they live and survive in retirement is tied up in the equity in the farm. Those conversations must take place a lot earlier than they think. They’re dealing with something asset-heavy that may require a trust and tax planning.” NY FarmNet offers farmers free, confidential consultation services regarding financial and business management, and family, and mental health support for farmers in New York state. It’s a program of Cornell University in Ithaca. Howell urges farmers to begin the conversation early. Most family farms are run by generations with the oldest generation most involved and typically with fewer of the middle-aged adults and young adults involved. Some of the younger generation may have off-farm jobs and not live on the homestead. “Different people have different expectations on their legacy,” Howell said. “Intergenerational conflict and discussions can be difficult. It may be good to check with NY FarmNet or Ag Mediation to help mediate these conversations with a third party. A lot of farms have broken up because people can’t decide how to divide things.” New York State Agricultural Mediation Program is a USDA‑certified, free or low‑cost service for farmers. Fair is not always equal. A sole owner simply stating that he wants to divide things equally among his children may leave one-quarter of the farm operation to an adult child who moved away and hasn’t sat in a tractor for decades. The three adult children who have toiled on the farm for 30 years may need to buy out the fourth, non-farming sibling but cannot because all of their money is tied up in the equipment, land and stock that supports their livelihood. Their payrate may not allow them to set aside much to buy out the non-farming sibling. As a result, they may need to sell parts of the farm off in order to keep it. However, doing so may limit their ability to sufficiently support their families. The farm owner may need to bequeath more assets to the farming siblings because their efforts have kept the farm going and without those assets and their work, the farm will cease operations. Howell advises seeking professional help on tax and legal issues. Without it, families can be exposed to expensive problems and infighting. A third-party expert can help farm families navigate what is truly fair in the family’s succession plans. Beyond the practical aspects of inheritance, succession also relies upon planning who will operate the farm and how. “I think it’s important that farmers understand the means and methods of farming are always changing,” Howell said. For example, many young adult farmers earn a degree at a school such as Cornell, SUNY Cobleskill or Morrisville, work on a different farm for a while and then return to their family farm with big ideas on how to improve the farm — if only their dad and uncles will agree. Intergenerational conflict is often centered on newer ideas such agritourism, online marketing and shipping goods. “It causes conflict,” Howell said. “A lot of it comes down to communication and respect within the family. If no one in the family wants to take on farming, what we’ll see is older farmers start to help trusted managers buy into the farm.” The middle-aged generation, now in their 40s and 50s, often struggle with wresting the helm from their parents. Howell said that many older farmers don’t discuss with their grown children their vital business information such as vendors, ordering supplies, pricing, recordkeeping and farm planning. They even claim that “the kids” aren’t ready yet. These gaps in cross-training may cause significant problems even before the older generation dies, if there’s an illness or injury. Howell urges farmers to document these processes and cross-train others on the farm how to handle these areas “to make sure if one person is incapacitated, the entire operation is not at risk,” he said. Mark Modzeleski, financial adviser, financial planner and president at Legacy Wealth Advisors of NY in Syracuse, advises families to talk sooner than later about who should be operating the farm. “Someone is driving the farm,” he said. “Have you decided who? Be honest when you have that conversation. Who do they turn to when there’s a question? Or who has the potential to be leaders?” Planning for leadership continuity is vital. Unfortunately, talking like this can become fraught with emotions if it’s only the family involved. Modzeleski advised finding a third party who can help drive the conversation. “Invite the right people to the conversation who can get you from point A to point B,” he said. “This is a marathon, not a sprint.” It may take sitting down a few times with an estate planning attorney who specializes in farm transition, along with a tax professional and others who can help moderate and plan. Family members, owners and possibly, integral farm managers should attend the meetings. “Figure out what you want your legacy to be,” Modzeleski added.
Bridging medicine and care: How China is strengthening international health partnerships
From high-risk surgical care in Benin to stroke interventions in Seychelles, Chinese medical teams abroad are increasingly moving from emergency clinical aid to long-term capacity building. Combining frontline care with specialized malaria control and cataract programs, these health partnerships focus on practical knowledge transfer and serving local populations.
Syracuse Basketball Transfer Speaks on Injury, Recovery
Tasman Goodrick spoke to SyracuseRoundtable in advance of the team's preseason opener.
Man United Set To 'Attack' The January Transfer Window
Michael Carrick’s struggling squad eyes vital reinforcements as Fabrizio Romano reveals the Red Devils possess the remaining funds necessary to fix glaring roster gaps this winter.
SEC announces decisions on revamped NIL policy, transfer portal
The Protect College Sports Act has passed in the Senate, but the legislation, which is aimed at eliminating some of the “chaos” that has affected college sports, and in particular, football, faces an uphill battle in the House of Representatives. Earlier this month, House Majority Leader Steve Scalise detailed some of the issues the PCSA…
Virginia Western and Radford University sign 3 new agreements to create seamless transfer for medical laboratory science degree
Partnership responds to region’s healthcare needs ROANOKE – Virginia Western Community College and Radford University celebrated a strengthened partnership on Monday, Oct. 12, that will enable seamless transfer for students in three health-related programs. Virginia Western President Laura J. Treanor and Radford President Bret Danilowicz signed the articulation agreements in a ceremony on the Virginia Western campus. Virginia […]
Ronald Araujo holds the key to Liverpool's transfer plans
Ronald Araujo has been one of Liverpool’s most promising players in the early weeks of Andoni Iraola’s tenure. The Uruguayan defender was a surprise arrival at Anfield in the summer, joining on lo...
Alicia Farrant transfers nearly $20K from losing Orange County School Board Chair campaign to her nonprofit
The transfer may be legal, but it raises ethical questions, one expert said.
Liverpool must learn from Richard Hughes' mistakes
Although he only spent two full seasons at Liverpool, Richard Hughes oversaw some of the most historic moments in the club’s history. In the five transfer windows in which Hughes headed the recruit...
Commentary: The time for keeping beluga whales captive for our entertainment has passed
Editor’s Note: Since this column was written, another transferred beluga died on Oct. 7.
SEC presidents approve uniform NIL, rev-share contract
SEC presidents voted Monday to approve a uniform NIL and revenue-share contract that includes adjustable components, On3’s Pete Nakos reported. The Big Ten is the other power conference to have uniform rev-share contracts. While that vote took place, the presidents also tabled a vote in whether to re-implement its intra-conference transfer policy. On3 previously reported […]
Nico Iamaleava’s Post-Tennessee Saga Takes Another Twist at UCLA
Nico Iamaleava still can’t really find his footing since leaving the Tennessee Volunteers. His name was massively in the headlines more than a year ago, when he wanted more money from the Vols and couldn’t get it, so he hit the transfer portal. Iamaleava hasn’t lived up to that saga, though. He keeps hitting bumps […] The post Nico Iamaleava’s Post-Tennessee Saga Takes Another Twist at UCLA appeared first on HEAVY.
Liverpool legend claims the club must do January business
Liverpool January transfers: John Aldridge calls for signings after Manchester City defeatJohn Aldridge has urged Liverpool to strengthen in January, arguing that injuries alone cannot explain the squ...
Philadelphia businesses rally to support family of fallen officer Shane Seiber
Michigan State Dominates Northern Michigan in 5-1 Win
First-round picks and veteran transfers powered the Spartans to a season-opening sweep, overcoming a second-period scare to dismantle the Wildcats with a clinical offensive and special teams display.
Scientists Discover a Hidden Hydrogen Pathway That Could Transform CO2 Into Valuable Fuel
Scientists have uncovered an unexpected pathway for hydrogen transfer during catalytic CO2 conversion. A computer model designed to predict how carbon dioxide becomes useful chemicals produced a surprising error: It identified formic acid as the main product instead of methanol. When scientists expanded the model to account for thousands of previously overlooked reactions, its predictions
Juventus is keen to make their team more Italian
Juventus are reportedly preparing to change their transfer strategy by focusing more heavily on Italian players as they look to strengthen their domestic core. The Bianconeri have spent recent years p...
2 offensive transfers have earned the trust of Buckeye Nation
As we head into Ohio State’s sixth game of the season, we’ve got the results to this week’s fan survey, and Buckeye Nation is putting its trust in two transfers on the offense.
Juventus and Roma are interested in new Italy star
Issa Doumbia has emerged as a potential transfer target for Juventus after receiving his first call-up to the Italian national team under Roberto Mancini during the September and October international...
SEC considering restoring archaic transfer policy
This would be a brutal development for the SEC.
Tom Izzo Says Transfer Portal Is Detrimental To The Kids
Tom Izzo used his Big Ten media day turn to say what most coaches won't about the portal. #GoGreen
Kvernadze remains Roma’s priority for January
Roma, ahead of the next transfer window, are looking to provide Gasperini with a right-footed left winger capable of beating opponents. The player, who has been highly sought after this summer, could ...
Epidemiological modeling in the age of artificial intelligence
Nature Computational Science - Artificial intelligence is enabling epidemic models to learn across outbreaks. The next challenge is ensuring that these models learn and transfer not mere...
Andrich Vows To Fight For His Leverkusen Place
After losing his armband and starting role under Carles Martínez, the German midfielder rejects transfer rumors to battle for his place in a new-look Leverkusen hierarchy.
U SPORTS Is Getting An NCAA Boost This Season With
With a new push to potentially limit international players in the NCAA, U SPORTS hockey will become an increasingly enticing option for Canadian players. This season, another group are making the transfer from the NCAA coming to Canada to complete their university women's hockey careers.
Real Madrid Identify Arsenal's Mikel Merino As New Midfield Option
Mikel Merino has reportedly emerged as a potential transfer target for Real Madrid. The Spanish giants are keen on the versatile midfielder but for now, no talks have taken place between Madrid and Arsenal over a possible deal.
Science Museum Oklahoma helps reunite Revolutionary War remains
Science Museum Oklahoma transferred Revolutionary War gunboat Philadelphia remains for reunion and military burial in New York.
The latest Premier League market values 🤑💸
Money money.Between the World Cup, the start of the season and the transfer windows, players' market values have been shaken up this summer.Whether it's new arrivals, dramatic drops or incredible rise...
Scientists in Vienna and Beijing create world’s first nuclear clocks
One of the scientists said he envisions uses for nuclear clocks in areas such as satellite-based navigation and the synchronization of data transfer.
Division I Cabinet approves new transfer windows in several sports
The Division I Cabinet on Wednesday approved changes to the notification of transfer windows for multiple sports, as proposed by each respective sport’s oversight committee.
La Liga's new market values 🤑💸
That's a lot of zeros.Between the World Cup, the start of the season and the transfer windows, players' market values have been shaken up this summer.From new arrivals to dramatic drops and massive ri...
Chelsea’s Sporting Director Succession Plan Revealed Following Lawrence Stewart's Departure
As Laurence Stewart exits Stamford Bridge, a new leadership structure emerges to steer transfer strategy and player pathways under the guidance of manager Xabi Alonso and Behdad Eghbali in a cohesive plan.
Blades expect to avoid points deduction
Sheffield United CEO Stephen Bettis tells BBC Radio Sheffield the Blades expect to avoid an EFL points deduction but will not reinvest a summer transfer haul in January.
Matt Campbell’s Transfer Plan Fails As Penn State Stumbles
Penn State's Matt Campbell relied on Iowa State transfers to fix the roster. The plan backfired, leaving the team winless in the Big Ten after a shocking loss to Northwestern.
Sony Sells off Dozens of XR Patents to Meta in Apparent Pullback from AR/VR Hardware
Meta has acquired a number of Sony patents, including some related to XR headsets, suggesting Sony is significantly pulling back from its XR ambitions. The News As first reported by ZDNet Korea, a recorded transfer of 43 U.S. patent properties took place between June and September 2026, which include virtual, augmented and mixed reality headset […]
Chelsea backroom shake-up as transfer chief set to leave
Laurence Stewart will depart after four years with the club, with his duties already dished out
Kobel reflects on Newcastle interest and his Borussia Dortmund future
Borussia Dortmund goalkeeper Gregor Kobel has consistently been linked with a transfer over the past few years.Last summer, Newcastle United were reportedly interested in the Swiss shot-stopper, but h...
Candidates share their stance on healthcare at Health Improvement Alliance forum
The Health Improvement Alliance of Saint Joseph County held an open forum on Tuesday for political candidates to share their thoughts and stances on healthcare
Milton business fined for oil spill into Lamoille River
ANR says petroleum product from Rowley Fuels Inc. overflowed from a fuel delivery truck during a transfer at their storage facility in 2024.
Ruben Amorim 'Interested' As Joshua Zirkzee Attracts January Interest
AC Milan and Juventus ignite a January transfer battle for Joshua Zirkzee as Ruben Amorim weighs a high-profile reunion to reshape his attack amid ongoing squad rotation.
What’s in Trump’s $3.4 Trillion Tax and Spending Bill: 2025 Reconciliation Act
The Senate passed the Protect College Sports Act (S. 4668). Here's what the federal NIL bill means for revenue sharing, transfers, and state NIL laws.
2 top European teams show interest in Arsenal winger
Atletico Madrid and Juventus are showing an interest in Arsenal winger Noni Madueke, just over a year after his transfer to north London.Photo by Alex Pantling/Getty ImagesMike McGrath reports for The...
Juventus remains interested in experienced Ligue 1 defender
On deadline day during the last transfer window, Nicolas Tagliafico was confident that he would find a new club after reaching agreements with Juventus and Atletico Madrid.Juventus wanted to sign him ...
Exclusive: Chelsea wonderkid attracting transfer interest as January decision made
Olutayo Subuloye is rising through the Blues’ youth ranks, and was recently named Under-21s captain
Scientists finally see how nature moves energy so efficiently
Researchers have captured key steps in a chemical reaction that helps nature transfer energy with remarkable efficiency. Ultrafast X-rays revealed how changes involving electrons and protons are closely linked to the rearrangement of surrounding water molecules. Because similar reactions drive photosynthesis and other energy-conversion processes, the technique could help scientists develop better catalysts, fuel cells, and flow batteries.
Confirmed: Roma reopen talks with Endrick’s entourage
Roma will continue to strengthen in January. Gian Piero Gasperini, even in the last transfer window, was left without a striker capable of sprinting and raising the team’s level. A promised addition...
Deron Rippey Jr., transfers shine during Countdown to Craziness
A handful of new Duke players, including Deron Rippey Jr. and John Blackwell, shined during the 'Countdown to Craziness' scrimmage.
Liverpool Show Transfer Interest In Sunderland Youngster Amid EFL Loan
Sunderland goalkeeping product Matty Young has reportedly become the subject of transfer interest from Premier League giants Liverpool.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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