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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.
Opinion/Guest column: When politics, science collide over vaccination
These actions ignore the 300-plus-year history in the United States of prioritizing the health of people and communities.
Opinion/Guest column: When politics, science collide over vaccination
These actions ignore the 300-plus-year history in the United States of prioritizing the health of people and communities.
Opinion/Guest column: When politics, science collide over vaccination
These actions ignore the 300-plus-year history in the United States of prioritizing the health of people and communities.
Opinion/Guest column: When politics, science collide over vaccination
These actions ignore the 300-plus-year history in the United States of prioritizing the health of people and communities.
Opinion/Guest column: When politics, science collide over vaccination
These actions ignore the 300-plus-year history in the United States of prioritizing the health of people and communities.
Why you should think about getting your flu shot right now
Flu is surging unusually early in some parts of the western United States, catching doctors by surprise.
Teens on target again as USA down Mexico 3-0
Cavan Sullivan became the youngest US international goalscorer in history as the United States defeated arch-rivals Mexico 3-0 in a friendly international in Arizona on Saturday.The United States completed the scoring in the 84th minute when Malik Tillman latched onto a poor Mexico backpass and smashed a shot into the top corner for 3-0. rcw/pbt
Global tech policymakers agree to embrace AI in science
A joint statement issued by the United States and 15 other countries touts the technology’s potential for accelerating scientific progress.
How European Entrepreneurs Are Building U.S. Business Infrastructure Without Moving to America
ORLANDO, FL / ACCESS Newswire / October 3, 2026 / For many European entrepreneurs, entering the U. market has traditionally been associated with establishing a physical presence, opening an office or eventually relocating to the United States.
Theaster Gates bets on fine china
The famed, Chicago-based artist's career is taking a new direction with the purchase of Pickard China, the sole remaining maker of fine china in the United States.
Attitudes on the death penalty have changed since Christa Pike was convicted. Using the issue for politics hasn’t
When Christa Pike tortured and killed her classmate Colleen Slemmer in 1995, support for the death penalty was near its peak in the United States.
Amid trade dispute, Canada continues business relationship with Washington state
Canada ambassador Mark Wiseman visited Seattle this week. He said his country wants the United States-Mexico-Canada Agreement implemented fairly.
Cosmos Health's Brands Reach More Than 40 Countries Across Europe, the Middle East, North America and Asia, Addressing Global Markets Estimated at Approximately $946 Billion
The portfolio comprises more than 15 proprietary brands and product lines and 10 branded generics across five product categories, sold in more than 40 countries through pharmacies, hospitals, retail chains and e-commerce. It is manufactured at GMP-certified facilities in Europe and the United States and supported by the Company's services in contract manufacturing, pharmaceutical distribution, telehealth and research and development.
Ash Center for Democratic Governance and Innovation announces Sports, Democracy, and Civic Health Initiative
The Reimagining Democracy Program at Harvard Kennedy School’s Ash Center for Democratic Governance and Innovation has announced an expanded initiative examining how professional sports and fandom can strengthen civic health and democratic life in the United States. Led by Tova Wang, Director of Research Projects in Democratic Practice at the Ash Center, the Sports, Democracy and Civic Health program brings together scholars, election officials, democracy advocates, professional sports organizations, leagues, athletes, and civic organizations. The initiative will explore how the shared identity and sense of belonging fostered by sports can build trust, reduce polarization, encourage civic participation, and strengthen connections across differences.
Ash Center for Democratic Governance and Innovation announces Sports, Democracy, and Civic Health Initiative
The Reimagining Democracy Program at Harvard Kennedy School’s Ash Center for Democratic Governance and Innovation has announced an expanded initiative examining how professional sports and fandom can strengthen civic health and democratic life in the United States. Led by Tova Wang, Director of Research Projects in Democratic Practice at the Ash Center, the Sports, Democracy and Civic Health program brings together scholars, election officials, democracy advocates, professional sports organizations, leagues, athletes, and civic organizations. The initiative will explore how the shared identity and sense of belonging fostered by sports can build trust, reduce polarization, encourage civic participation, and strengthen connections across differences.
HOMETOWN HEALTH: Doctors more cautious prescribing anxiety medication, studies show
Prescriptions for the anxiety drug benzodiazepine are declining in the United States.
The Academy of Natural Sciences of Philadelphia: “A Glorious Enterprise” comes to a sad end
by Greg Mayer The Academy of Natural Sciences of Philadelphia, the oldest natural history museum in the United States, is closing. Drexel University, with which the Academy became affiliated in 201…
Global Health & WASH: October 2026 Funding Opportunities (26 new opportunities)
41 opportunities on the Global Health & WASH page this cycle, 26 of them new. The health money on this page is mostly research money, and much of it is aimed at people early in their careers. Funder after funder, from the TANGO2 Research Foundation’s Research Pathways grants to the South African Medical Research Council’s Early Investigators Programme to the National Ataxia Foundation and Alex’s Lemonade Stand Foundation, is funding early-career investigators and the institutions that host them, with a clear tilt toward researchers based in or from the Global South, from AMBSO in Uganda to Kenya’s CONNECT-VAX network to Ersilia’s AI Incubator for African drug discovery. The money is organized by disease as much as by need: narrow foundations, the Parkinson’s Foundation, NTAP for neurofibromatosis, the RUNX1 Research Program for an inherited blood disorder, each run their own grant, so the question for an applicant is less which health problem you work on than which foundation owns your disease. The largest European cheques go to consortia only, with the European Innovation Council putting up to EUR €4 million behind a single healthy-ageing project and UNITE up to EUR €1 million behind each cross-border digital health team. Water sits apart, almost entirely in applied utility research: the Water Research Foundation’s cluster of USD $250,000 to $500,000 projects, each built around a utility problem from sewer laterals to reuse treatment. And the biggest single pot is public: HRSA is renewing community health center service areas with awards of up to USD $10 million each. This post is for paid subscribers. This helps support the time and effort it takes to curate and organize these opportunities. Subscribe To keep this accessible to everyone who needs it, we’re happy to offer pay what you can rates. You can find more details here. Open Opportunities 2027 Building the Field of Health Advocacy Grant, Georgia Health Initiative. *New!* *Closing soon!* Georgia Health Initiative, a nonprofit private foundation focused on health equity, is opening its 2027 Building the Field of Health Advocacy Grant to strengthen the organizations that push for healthier systems across the state. The Initiative treats advocacy as infrastructure, backing one-year projects that range from urgent responses to shifting federal policy to longer arc campaigns on housing, behavioral health, care access, and food security. It wants coalitions that elevate community voice, apply an equity lens, and arrive ready to deploy concrete strategies, and it deliberately seeks variety in issues, communities, and organizational size. The optional webinar and required lobbying training signal a funder investing in a durable field, not one grant cycle. The strongest fits are Georgia nonprofits and public agencies ready to turn advocacy readiness into systems change. Geographies: United States. Who can apply: Tax-exempt 501(c)(3) public charities, state or local government agencies, or coalitions/collaboratives using a 501(c)(3) fiscal sponsor, that work in Georgia on behalf of Georgians and align with the mission, vision, and values of Georgia Health Initiative. Only one application per organization, though an organization may be listed as a partner or subcontractor on multiple applications. Funding amount: Organizations can apply for up to USD $80,000 per project; the Initiative anticipates investing a total of USD $1.36 million. Targeted Sectors / SDGs: Governance, Policy & Advocacy · SDG3; SDG10. Deadline: October 2, 2026. Learn more and apply here. TDD Research Pathways Grant, TANGO2 Research Foundation. *New!* *Closing soon!* The TANGO2 Research Foundation, working with a founding gift from Tango2UK, is opening its TDD Research Pathways Grant to fund early-career investigators anywhere in the world who study TANGO2 Deficiency Disorder. The foundation is using this money to seed pilot work and to build a research community around a rare disorder that few labs currently study. It wants to back emerging scientists, clinicians, and trainees who will stay with this field, not one-off projects, which is why it requires a committed mentor and real institutional support and asks each applicant for a plan for future contributions. The design rewards promise and persistence over track record. The strongest fits are students, residents, postdoctoral fellows, and new investigators ready to commit to TANGO2 research. Geographies: Global. Who can apply: Early-career investigators worldwide, including undergraduate, graduate, and medical trainees, postdoctoral fellows, residents, and clinical or research fellows. Early-career investigators must hold a PhD, MD, or equivalent doctoral degree and be within 10 years of that degree or within 5 years of initiating rare disease research, engaged in postdoctoral research at an academic institution, teaching hospital, or nonprofit research institute. Currently enrolled trainees and transitional PhD candidates beginning a postdoctoral appointment at a nonprofit institution by July 1, 2026 are also eligible. All applicants must identify a qualified mentor with relevant TDD or rare disease research experience and demonstrate institutional support. Funding amount: Up to USD $15,000. Targeted Sectors / SDGs: Innovation, Science & Technology. Deadline: October 2, 2026. Learn more and apply here. Call for Expression of Interest (EOI): AMBSO Impact Research Initiative, Africa Medical and Behavioral Sciences Organization (AMBSO). *Closing soon!* The Africa Medical and Behavioral Sciences Organization is inviting expressions of interest for its Impact Research Initiative, which funds early-stage pilot studies and proof of concept work on priority health challenges. AMBSO is a Ugandan research organization backing bold ideas that can grow into larger studies, and its tracks span antimicrobial resistance, epidemic preparedness, artificial intelligence for diagnostics, HIV prevention, climate and health, cancer, maternal and child health, and non-communicable diseases. The small award size and direct-cost-only rule point to a funder that wants evidence rather than overhead, and that favors projects able to attract follow-on money or use AMBSO’s own research infrastructure. Eligibility runs worldwide, welcoming researchers and institutions inside and outside Africa. The strongest fits are researchers with a feasible pilot that generates policy-ready evidence. Geographies: Global. Who can apply: Open worldwide to researchers, academic institutions, and research organizations whose work aligns with generating high-impact health evidence. Independent researchers are eligible if affiliated with an academic or research institution. Doctoral students are encouraged to apply as part of a research team led by a faculty Principal Investigator. Community-based organizations and other eligible entities may apply. Projects may be implemented inside or outside Uganda. Funding amount: Up to USD $10,000 per project, with no minimum funding threshold. Targeted Sectors / SDGs: SDG3. Deadline: October 2, 2026. Learn more and apply here. Entrepreneurs for Resilience 2027 (E4R27), Swiss Re Foundation. *Closing soon!* Swiss Re Foundation is opening the tenth edition of Entrepreneurs for Resilience, which backs healthcare social enterprises expanding affordable, quality primary care for low-income communities across low- and middle-income countries. The Foundation is using catalytic, blended funding plus multi-year advisory to take risk out of scaling, helping proven models reach more people sustainably rather than stay stuck at pilot size. It looks to back brick-and-click enterprises that pair physical care with digital tools and build affordability through savings, payments, or microinsurance, ideally integrated with public health systems. Requiring earned revenue, real customer scale, and gender-inclusive teams signals that this is growth capital for commercially serious ventures, not seed money. The strongest fits are established, revenue-generating healthcare enterprises ready to scale access for underserved populations. Geographies: Global. Who can apply: For-profit and hybrid healthcare social enterprises serving low-income and underserved populations in low- and middle-income countries, using combined physical and digital (brick-and-click) healthcare delivery models. Applicants must demonstrate measurable social impact, generate at least 50% of income through earned revenue, have been established no later than December 2023, already serve at least 50,000 people with potential to scale, and have at least 30% low-income customers. Preference for gender-inclusive enterprises with at least one female founder or at least 30% women in management. Funding amount: Pilot funding of up to USD $45,000 for the 6-8 shortlisted social enterprises; up to USD $1 million in blended funding (up to USD $600,000 unconditional plus up to USD $400,000 conditional) shared among 3-4 finalists over a two-year implementation period; total programme funding approximately USD $1.3 million. Targeted Sectors / SDGs: Innovation, Science & Technology · SDG3; SDG5. Deadline: October 4, 2026. Learn more and apply here. Horizon HealthTech 2026, IIITD Innovation & Incubation Center. *Closing soon!* IIITD Innovation and Incubation Center is opening Horizon HealthTech 2026, a nine-month MedTech incubation cohort run under the aegis of BIRAC EDGE for founders building medical devices, diagnostics, surgical and interventional tools, or remote monitoring. The center is backing teams that already hold a validated proof of concept and want to reach a tested prototype, pairing each founder with a named expert and clinical validation through a hospital partner. What they seek to back is Indian health technology that can survive real clinical scrutiny and regulatory review, not slideware. The structure, with lab access, CDSCO guidance, IP support, and investor connects, signals a program built to make startups ready for follow-on capital. The strongest fits are early-stage MedTech teams with defensible IP and a working path from bench to bedside. Geographies: India. Who can apply: Early-stage teams/startups with a validated idea/proof of concept (TRL 3 onwards) working on medical devices, diagnostics, surgical/interventional technologies, or remote monitoring, holding IP or with potential to generate IP. Funding amount: No cash award amount is stated on the official program page. Benefits are in-kind: prototyping lab and equipment access, clinical/hospital validation (Max Healthcare), expert mentorship, CDSCO regulatory guidance, IP filing support, workspace, cloud credits and tools, and investor connects. Run under the aegis of BIRAC EDGE and builds a path to follow-on Government/VC/Angel funding. Targeted Sectors / SDGs: Innovation, Science & Technology · SDG3; SDG9. Deadline: October 5, 2026. Learn more and apply here. OpenAI AI and Teen Development Research Grant Program, OpenAI. *New!* *Closing soon!* OpenAI is opening its AI and Teen Development Research Grant Program to fund independent studies of how generative AI shapes the lives of young people ages 13 to 17. OpenAI wants a stronger evidence base on how teens actually use these tools and what that use does to their social and emotional development, so that product teams, policymakers, and regulators can act on findings rather than assumptions. It seeks work on emotion regulation, relationships, belonging, and the safeguards that keep teens safer, welcoming interdisciplinary teams and any methodology. That it will fund research whose conclusions may not favor AI providers, and prioritizes studies touching ChatGPT, signals a genuine appetite for credible outside scrutiny. The strongest fits are research groups grounded in adolescent development, well-being, and AI safety. Geographies: Global. Who can apply: Researchers aged 18 or older who are affiliated with a research institution or organization, and/or have significant experience relevant to child or adolescent development, well-being, human-computer interaction, AI impacts, or a closely related field. Multiple institutions may collaborate. OpenAI is seeking to fund research rather than for-profit initiatives and will not prioritize for-profit organizations. Funding amount: Individual research grants up to USD $1 million, totaling up to USD $5 million; maximum 10% of each grant for overhead or indirect costs. Targeted Sectors / SDGs: Social Inclusion & Community Wellbeing; Innovation, Science & Technology. Deadline: October 6, 2026. Learn more and apply here.
Escape to Key West for the water, nature, serenity
Key West, the continental United States’ southernmost city, blends a colorful 19th-century heritage with a laid-back contemporary vibe. Visitors will find palm-shaded streets, picturesque historic homes, a lively multicultural culinary
U.S. tightens Cuba sanctions, restricts private business banking
The United States imposed new financial and travel restrictions on Cuba affecting U.S. banks and the island's access to the U.S. financial sustem.
Trump administration misspells United States twice while promoting AI
The Trump administration misspelled the United States twice in images of the White House artificial intelligence memo it published following President Donald Trump‘s accord on Tuesday with the country’s biggest names in AI. On Tuesday evening and Wednesday morning, both Trump and the White House posted the “Joint Commitment on Frontier Responsibilities,” which came from […]
Trump administration misspells United States twice while promoting AI
The Trump administration misspelled the United States twice in images of the White House artificial intelligence memo it published following President Donald Trump‘s accord on Tuesday with the country’s biggest names in AI. On Tuesday evening and Wednesday morning, both Trump and the White House posted the “Joint Commitment on Frontier Responsibilities,” which came from […]
East Knox FFA members attend Farm Science Review
HOWARD — A number of East Knox FFA members recently traveled to the Molly Caren Agricultural Center (MCAC) near London to attend the Farm Science Review. The center attracts upwards of 140,000 visitors from all over the United States and Canada, who come for three days to peruse 4,000 product lines from 600 commercial exhibitors, […]
Despite The Deadline, US Bilateral Health Deals Not Ready For Implementation
Although the United States' bilateral health memorandums of understanding (MOUs) with 35 countries are due to come into effect on Thursday (1 October), the
Leave your politics behind: Greenland is a historic US victory
The United States, Denmark, and Greenland signed a permanent agreement granting the U.S. broad military access to Greenland to bolster North Atlantic security and counter influence from Russia and …
Researchers find ‘broad decrease’ in support for political violence in the US
Despite an increasingly volatile and fraught political climate in the United States, researchers have found a “broad decrease” in support…
USA vs. Mexico: How to watch, stream international friendly
By MLSsoccer staffAfter opening the fall international window with victories over Peru and Chile, the United States meet arch-rivals Mexico on Saturday night.How to watch & streamEnglish: TNT, HBO Max...
Air Conditioning is Health Infrastructure
In 2023 alone, more than 2,300 people died in the United States directly from extreme heat. Expanding access to residential air conditioning could reduce heat-attributable deaths and adult emergency department.
Lavender Psychiatry and Ember Health Advance a More Connected Model for Specialized Mental Health Care
/PRNewswire/ -- Lavender Psychiatry, the largest nurse-led psychiatry and therapy practice in the United States, and Ember Health, a leading provider of IV...
U.S. Senate Candidate James Talarico (D-TX) Speaks at Hispanic Business Council
U.S. Senate candidate James Talarico (D-TX) sits down for a conversation with the United States Hispanic Business Council in Edinburg, TX.
MSU health officials warn campus about dangerous synthetic opioid
Michigan State University health officials issued a warning to the campus community about cychlorphine, a synthetic opioid linked to more than 100 deaths in the United States, including a 16-year-old boy in California.
Leonardo’s owner expands into the restaurant business with Pa'l Corazón
Hugo Leonardo came to the United States from Mexico in 2001 as a teenager, working his way through various kitchen positions in Park City until he opened his own market and taquería — Leonardo’s — four years ago to provide specialized goods to Park City’s Hispanic community. But Leonardo says his latest business venture, a Mexican restaurant in the heart of Kamas, is a lifelong dream that has finally come to fruition.
Lesbian Bar Project Co-Founder: Purity Politics Could Destroy Our Remaining Spaces
Subscribe As a professional lesbian and Massachusetts native, I’ve recently been asked by a lot of folks what I think about the saga unfolding at Last Ditch. The now-viral story, first reported by The Boston Globe, centers on a Western Massachusetts lesbian bar that lifted its mask requirement for one night a week to help drum up business. The decision ignited an intra-queer controversy that has been feasted on by media outlets across the political spectrum—from the New York Post to LGBTQ Nation—and is even reportedly being eyed for a Hollywood adaptation. Apparently nothing is more entertaining than a bunch of lesbians and queers fighting with each other over KN-95s. What has been lost in all of the chatter and media coverage is the very real possibility that Last Ditch, which just opened in April 2025, will have to close its doors. The venue’s one remaining founder, Jackie Matellian, revealed in a community Zoom meeting that she’s working four jobs, is now solely responsible for the bar’s $50,000 business loan and is struggling to keep up with the bills. So as we laugh about the controversy’s similarity to a “Portlandia” skit and how one of the bar’s founders left to enroll in clown school, we forget that yet another lesbian bar is facing an existential crisis—and this time the call is coming from inside the house. In 2020, my friend Elina Street and I created The Lesbian Bar Project, an Emmy-, Webby- and GLAAD Media Award-winning docuseries and initiative that tells the stories of lesbian queer bars around the world. We were moved to act because at the time there were only an estimated 16 lesbian bars in the United States, and the pandemic threatened to bring that number down even further. There are now more sapphic bars than there were just before the pandemic—about 36 of them in total—but this is down from approximately 200 in 1980. Maybe that doesn’t mean much to you, but for the millions of sapphics living in the U.S., this number is calamitous. As the world laughs at lesbians and sapphics, I want to take a second and tell you what I feel when I walk into one of these bars, which are all unique and irreplaceable in their own way: I feel seen. Sometimes I think Cubbyhole in New York City’s West Village neighborhood knew I was gay before I did. When I walked in there for the first time, before I was even out, I was transfixed by the colorful array of tchotchkes hanging from the ceiling and how the women standing next to me were completely unafraid to express their desire for one another. I knew the minute I was ready to come out, I had a home. I also felt the joy of a new couple falling in love at Seattle’s Wildrose, the quiet confidence of a short king lining up her shot at the pool table at Ginger’s in Brooklyn and the kick of cayenne pepper in Julie Mabry’s crawfish at Houston’s Pearl Bar. Subscribe Lesbian bars don’t just serve lesbians; they serve queer folks across the spectrum, including bisexual, pansexual and trans people. As Elina and I traveled across the U.S. and Europe and to parts of Latin America to document the bar owners, staff and patrons that make up the ecosystems of these spaces, we also became uniquely acquainted with the factors that threaten their existence: gentrification, wage gaps, sexism, environmental disasters, gun violence, rising insurance premiums and political administrations working to annihilate queer people and their families. Lesbian bar owners, like all leaders and entrepreneurs, are imperfect. There have been significant issues over the years at lesbian bars: employee harassment, racism, lack of accessibility, sexual assault and transphobia. All bar owners should be held accountable and should listen to their communities to evolve into safer and more equitable spaces. I also acknowledge my privilege: I am able-bodied, white, cis and from a family system that loves me for who I am. Not everyone has that. Queer people, especially trans and bisexual people, are suffering from disproportionately high levels of depression, and our mental health system isn’t equipped to support them. Immunocompromised people and long COVID are real, and many of my friends are suffering to this day. The people with the least safety net are often the ones for whom a bar closing costs the most. And yet, as we’re seeing with Last Ditch, the queer community often lashes out at each other. It’s also the mainstream media taking the internal conflict and making a mockery out of it, distracting from the real possibility that this bar could close due to financial pressures. A bar that many people loved and needed is facing extinction. Perhaps it’s safer to dissent with one another than with the larger forces trying to eradicate us, but in doing so, we risk destroying the few spaces we have left. Due to the constraints of purity politics—some in good faith, some not so much—lesbian bar owners, almost all of whom are queer women themselves, are forced to be everything for everyone, similarly to how women are forced to be everything for everyone. By asking these bars to uphold impossible standards—standards very few other third spaces are asked to consider—we all end up losing. I want to move as a community toward dialogue, compassionate dissent and collaboration to make our spaces better with the goal of keeping them OPEN and thriving, rather than destroying them from the inside with expectations that are arguably unattainable. Subscribe While I have your attention—for this fleeting second of the news cycle—may I urge us to spearhead a way to keep these small businesses afloat without attacking our own community along the way? Bar owners are left with an impasse: They want to be community-centered, but they also have to make money to keep their doors open. Sometimes they might make business decisions that don’t work for everyone—and that’s partly because different patrons have different priorities and want different things—but these owners deserve the opportunity for productive dialogue**.** We have to work with them and with each other to keep our spaces open, to keep them growing. Lesbian bars raised me into the queer woman I am today. One thing I think about as I reflect on the six years of work we’ve done to document these spaces is that shared, unspoken language I have with a stranger the moment we both walk into one of these bars: the nod, the ease, the not having to explain ourselves. I don’t want to lose that, and neither should you. If objective, nonpartisan, rigorous, LGBTQ-focused journalism is important to you, please consider making a tax-deductible donation through our 501(c)(3) fiscal sponsor, Resource Impact, by clicking this button: Donate
OPINION: Indecisive politics behind U.S.-Iran ceasefire extension without agreement
A 60-day ceasefire between the United States and Iran expired in August without an agreement to extend it, underscoring what can be viewed as "indecisive" politics common to both countries.
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The United States Will Be Worse off for Losing International Scientists
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Opinion: It’s time to put political ads on pause and think.
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MDARD marks National Farm Safety and Health Week
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Internationals hold three-point lead over US
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ProTributeBands.com Clarifies Direct Booking Model for Corporate Event Entertainment Planners
SAN RAMON, CA - September 25, 2026 - PRESSADVANTAGE -ProTributeBands.com, the curated booking and lead generation platform for high-end tribute bands, has outlined how its direct-booking structure works for event planners seeking corporate event entertainment. Under the model, bands featured on the platform negotiate terms and close each booking directly with the client, while ProTributeBands follows up to keep the transaction moving smoothly.The structure separates ProTributeBands.com from traditional booking agencies that insert themselves into every contract. Rather than acting as an intermediary that controls the final agreement, the platform connects event planners, performing arts centers, festivals, wedding clients, and private party hosts with pre-screened, national-act-caliber tribute acts, then steps back so the parties can settle details themselves. The platform maintains contact with both sides to ensure momentum is not lost during the process.Founded by David Victor, former guitarist and co-lead vocalist of the multiplatinum band BOSTON, ProTributeBands.com features tribute acts covering artists such as Queen, The Beatles, ABBA, Journey, The Eagles, and Pink Floyd. Selected bands receive optimized profile pages and booking leads generated through the platform."Event planners often assume a booking platform means another layer of negotiation and markup," said David Victor, Founder of ProTributeBands.com. "The approach here is different. The bands negotiate terms and close each booking directly, which keeps the conversation honest and the details accurate. The platform stays involved by following up so nothing stalls between the first inquiry and the signed agreement."The direct-booking method reflects how corporate and private event planning typically operates. Planners frequently need to confirm technical requirements, stage dimensions, scheduling, and performance specifics with the people who will actually be on stage. By allowing those conversations to happen between the client and the band, the model aims to reduce miscommunication that can occur when information passes through a third party.ProTributeBands.com applies a screening process before an act appears on the platform, focusing on production quality, musicianship, and readiness for larger venues. The company ranks tribute bands across categories including Queen, The Beatles, The Eagles, Journey, Pink Floyd, and BOSTON tributes, drawing on performance quality and audience response.The ProTributeBands guide to hiring a tribute band offers additional context for planners weighing these decisions, covering topics such as understanding the audience and event, assessing entertainment value, viewing an act in person before hiring, and reviewing rider and insurance requirements. The guide addresses the practical considerations planners face when selecting an act for a corporate function, festival, or private celebration."A tribute production for a corporate audience has to hold the room the same way a headline act would," Victor said. "The vetting exists so planners can trust that the act they see listed can deliver at that level, and the direct-booking structure lets them confirm every detail with the band before committing."ProTributeBands.com serves clients across the United States and abroad, working with tribute acts that perform at performing arts centers, summer concert series, product launches, corporate parties, private parties, and wedding receptions. The platform also accepts artist submissions from tribute bands seeking consideration for inclusion. The company operates online at protributebands.com.###For more information about ProTributeBands.com, contact the company here:ProTributeBands.comDavid Victor(925) 236-0217hello@protributebands.com11040 Bollinger Canyon Road Suite E-938, San Ramon, CA 94582
A data-sharing clause derailed US-Zimbabwe health talks. Now all funding ends this month
The United States will end funding for Zimbabwe’s health programs at the end of September.
A data-sharing clause derailed US-Zimbabwe health talks. Now all funding ends this month
The United States will end funding for Zimbabwe’s health programs at the end of September | Newsradio 1140 WRVA
US ends health funding for Zimbabwe after dispute over data-sharing terms
The United States will end funding for Zimbabwe’s health programs at the end of September. This decision follows Zimbabwe's rejection of a U.S.
A data-sharing clause derailed US-Zimbabwe health talks. Now all funding ends this month
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Xi caps Trump state visit with symbolic final stop before leaving Washington
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Buses mean business
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Melania Trump hosts China’s first lady
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NEKO HEALTH OPENS ITS DOORS IN NEW YORK, BRINGING THE MOST VALUABLE HOUR IN HEALTHCARE TO AMERICA
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As Xi Visits Washington, Trump Plays Down China’s Actions Against U.S. Interests
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CVS Health Launches National "Wear Your HeART" Bandage Art Contest
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Wabash College is a small, private, liberal arts college for men, located in Crawfordsville, Indiana, United States.
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The Netherlands is bracing for potentially devastating US sanctions against the ICC
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Travel health insurance
Travel health insurance Do you have a friend or relative traveling to the Dominican Republic? Encourage them to get travel health insurance before they depart the U.S. to avoid possible medical emergencies becoming financial emergencies, too. Many travelers ask, “Why would I need travel health insurance–I have health insurance?” But your domestic U.S. health insurance may not work overseas. Hospitals here in the Dominican Republic often require payment in full prior to the patient being treated or being discharged. Some private U.S. insurance companies pay for overseas medical care, but usually only on a reimbursable basis, meaning you must pay first and request reimbursement later. The U.S. government does not pay for medical care overseas, and Medicare does not cover medical or hospital expenses incurred outside the United States. In addition, if the traveler needs to be medically evacuated for any reason, this is not covered by most U.S insurance and usually costs well over $10,000 USD. Travel medical insurance can alleviate this cost burden. Don’t let unexpected medical costs ruin your vacation! Please review more information here on Travel.State.Gov and on the Embassy website’s page on Medical Emergency – U.S. Embassy in the Dominican Republic.
Mental Health Treatment by Adults in the United States
Some of our adult patients may have a comorbid diagnosis of a mental, behavioral, or emotional disorder. Of these patients, some may have sought and/or be undergoing treatment. This may…
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CNN, MS NOW, Politico say they've notified Trump they're suing over denied White House access
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Culturally Relevant Cardiovascular Disease Prevention and Care Strategies
(Feature Impact) Driven by rising rates of obesity, diabetes, high blood pressure and other risk factors, cardiovascular disease has surpassed cancer as the leading cause of death among Hispanic adults in the United States. googletag.cmd.push(function() { googletag.display('fixed-big-ad-top-asset'); }); Hispanic people represent nearly 1 in 5 of the U.S. population and are the nation’s largest ethnic minority group, yet many continue to face barriers to achieving heart health and accessing high-quality healthcare. A new scientific statement published in the American Heart Association’s flagship journal, “Circulation,” revealed how social, economic, cultural and environmental factors contribute to persistent disparities in cardiovascular health, calling for culturally tailored prevention strategies, equitable access to care and greater representation of Hispanic populations in cardiovascular research.“Hispanic populations in the U.S. are incredibly diverse even within their own communities with differences in genetic ancestry, language, cultural traditions and social experiences that can significantly influence cardiovascular health,” said Johanna Contreras, M.D., M.Sc., FAHA, director of the Division of Heart Failure and medical director of the Hispanic Heart Center within the Mount Sinai Health System. “Yet Hispanic people remain underrepresented overall in the research that guides prevention and treatment strategies… Without better representation and more detailed data, we risk overlooking important differences that can help us improve care and save lives.”Hispanic Cardiovascular Health by the NumbersCardiovascular risk factors – obesity (nearly 46%), type 2 diabetes (15.5%) and high blood pressure (approximately 44%) – are prevalent among Hispanic adults and often emerge at younger ages and occur more frequently among Hispanic adults compared with white adults.According to the report, only about 1 in 5 Hispanic adults achieves ideal cardiovascular health as defined by the American Heart Association’s original Life’s Simple 7 metrics. Updated analyses using the Life’s Essential 8 framework demonstrated persistent disparities for heart and brain health, as well as suboptimal dietary quality, sleep patterns and levels of physical activity.Social and Economic Barriers MatterBiology alone does not explain cardiovascular health disparities. The environments where people live, work and age, along with social and economic challenges, impact heart health. In fact, approximately 17% of Hispanics live below the federal poverty threshold, compared with 8.2% of white adults. googletag.cmd.push(function() { googletag.display('fixed-big-ad-middle-asset'); }); “Many Hispanic adults face obstacles that extend far beyond the doctor’s office,” Contreras said. “Limited health insurance coverage, language differences, food insecurity, environmental exposures and concerns related to immigration status can make it more difficult to prevent disease, manage chronic conditions and receive timely treatment.”Contreras emphasized the cultural values and practices of Hispanic people also influence how they perceive their health and healthcare options.“Family plays a central role in many Hispanic communities and can be an extraordinary source of strength, support and resilience,” Contreras said. “At the same time, family members are often called upon to translate medical information, navigate health systems and help make healthcare decisions for loved ones. Those responsibilities can shape how health information is understood and acted upon.”An Action Plan for Improving Hispanic HealthThere are practical opportunities to achieve equitable cardiovascular health and reduce disparities through community engagement, culturally responsive care, inclusive research and policies that address the underlying drivers of health.“Reducing cardiovascular disease among Hispanic populations demands action at every level,” Contreras said, “from improving access to culturally responsive care and expanding research participation to addressing the social and environmental conditions that shape health.”By addressing both medical risk factors and the social conditions that shape health, experts believe there is an important opportunity to reduce disparities and help more people live longer, healthier lives. Learn more at Heart.org.Photo courtesy of Shutterstock googletag.cmd.push(function() { googletag.display('fixed-big-ad-bottom-asset'); });
Culturally Relevant Cardiovascular Disease Prevention and Care Strategies
(Feature Impact) Driven by rising rates of obesity, diabetes, high blood pressure and other risk factors, cardiovascular disease has surpassed cancer as the leading cause of death among Hispanic adults in the United States.Hispanic people represent nearly 1 in 5 of the U.S. population and are the nation’s largest ethnic minority group, yet many continue to face barriers to achieving heart health and accessing high-quality healthcare. A new scientific statement published in the American Heart Association’s flagship journal, “Circulation,” revealed how social, economic, cultural and environmental factors contribute to persistent disparities in cardiovascular health, calling for culturally tailored prevention strategies, equitable access to care and greater representation of Hispanic populations in cardiovascular research.“Hispanic populations in the U.S. are incredibly diverse even within their own communities with differences in genetic ancestry, language, cultural traditions and social experiences that can significantly influence cardiovascular health,” said Johanna Contreras, M.D., M.Sc., FAHA, director of the Division of Heart Failure and medical director of the Hispanic Heart Center within the Mount Sinai Health System. “Yet Hispanic people remain underrepresented overall in the research that guides prevention and treatment strategies… Without better representation and more detailed data, we risk overlooking important differences that can help us improve care and save lives.”Hispanic Cardiovascular Health by the NumbersCardiovascular risk factors – obesity (nearly 46%), type 2 diabetes (15.5%) and high blood pressure (approximately 44%) – are prevalent among Hispanic adults and often emerge at younger ages and occur more frequently among Hispanic adults compared with white adults.According to the report, only about 1 in 5 Hispanic adults achieves ideal cardiovascular health as defined by the American Heart Association’s original Life’s Simple 7 metrics. Updated analyses using the Life’s Essential 8 framework demonstrated persistent disparities for heart and brain health, as well as suboptimal dietary quality, sleep patterns and levels of physical activity.Social and Economic Barriers MatterBiology alone does not explain cardiovascular health disparities. The environments where people live, work and age, along with social and economic challenges, impact heart health. In fact, approximately 17% of Hispanics live below the federal poverty threshold, compared with 8.2% of white adults.#placement_976606_0_i{width:100%;max-width:550px;margin:0 auto;}var rnd = window.rnd || Math.floor(Math.random()*10e6);var pid976606 = window.pid976606 || rnd;var plc976606 = window.plc976606 || 0;var abkw = window.abkw || '';var absrc = 'https://ads.empowerlocal.co/adserve/;ID=181918;size=0x0;setID=976606;type=js;sw='+screen.width+';sh='+screen.height+';spr='+window.devicePixelRatio+';kw='+abkw+';pid='+pid976606+';place='+(plc976606++)+';rnd='+rnd+';click=CLICK_MACRO_PLACEHOLDER';var _absrc = absrc.split("type=js"); absrc = _absrc[0] + 'type=js;referrer=' + encodeURIComponent(document.location.href) + _absrc[1];document.write('');“Many Hispanic adults face obstacles that extend far beyond the doctor’s office,” Contreras said. “Limited health insurance coverage, language differences, food insecurity, environmental exposures and concerns related to immigration status can make it more difficult to prevent disease, manage chronic conditions and receive timely treatment.”Contreras emphasized the cultural values and practices of Hispanic people also influence how they perceive their health and healthcare options.“Family plays a central role in many Hispanic communities and can be an extraordinary source of strength, support and resilience,” Contreras said. “At the same time, family members are often called upon to translate medical information, navigate health systems and help make healthcare decisions for loved ones. Those responsibilities can shape how health information is understood and acted upon.”An Action Plan for Improving Hispanic HealthThere are practical opportunities to achieve equitable cardiovascular health and reduce disparities through community engagement, culturally responsive care, inclusive research and policies that address the underlying drivers of health.“Reducing cardiovascular disease among Hispanic populations demands action at every level,” Contreras said, “from improving access to culturally responsive care and expanding research participation to addressing the social and environmental conditions that shape health.”By addressing both medical risk factors and the social conditions that shape health, experts believe there is an important opportunity to reduce disparities and help more people live longer, healthier lives. Learn more at Heart.org.Photo courtesy of Shutterstock
Trump shattered Canada’s old US relationship. Carney is building a new one in Europe
Canadian Prime Minister Mark Carney is urgently trying to reduce dependence on the United States as President Donald Trump uses tariffs and economic pressure against America’s longtime ally.
CHOMEX Expands Commercial Focus as Demand Grows for Portable Office Buildings and Mobile Workspaces
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Asm. Lowenthal explains his bill reducing addictiveness of social media to teens
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Did Ben Shelton Return Too Soon After the US Open?
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Fast food from the US and China catches on in both countries
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Mizzou Honors 1960 National Championship Team During Halftime
Back in August, the Missouri Tigers officially claimed the 1960 National Championship. It is the Tigers’ only claim to college football royalty in program history.The Tigers claimed the title after the United States Congress, led by Missouri Senator Eric Schmitt, awarded it to them when the Senator brought the topic to the Senate on Aug. […] The post Mizzou Honors 1960 National Championship Team During Halftime appeared first on HEAVY.
U.S.-Canada trade war further taxes small businesses as costs rise during the Iran war
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AI 'warning shots' focus Beijing on national security risks
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Czechs beat USA to qualify for Davis Cup finals
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