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Trump and crypto firm sued for profiting from foreign government
Donald Trump and World Liberty Financial, the cryptocurrency venture he co-founded with his sons, were sued by a shareholder in a rival crypto firm over claims the president illegally profited
2 major health insurance companies cancel Medicare Advantage plans covering 1 million people
The two companies are the largest private health insurance companies for older adults in the U.S.
Dementia risk may be linked to seemingly harmless daily habit, new research suggests
Even naps under 30 minutes raised dementia risk 40% in a Johns Hopkins Bloomberg School of Public Health study of nearly 1,000 older adults.
Omaha Science Café Explores the Wild World of Spiders Oct. 27
UNL biologist Eileen Hebets, PhD, presents a talk on spiders at the Oct. 27 Omaha Science Café at the Rathskeller Bier Haus. Open to ages 21 and older.
NMSU Department of Public Health to host resource fair for senior citizens
New Mexico State University’s Department of Public Health Sciences will host a community resource fair for individuals 55 years old and older from 10 a.m. to noon Nov. 2 at Trails West Senior...
PCA's 14th annual Senior Strut promotes healthy aging and community among older adults
Philadelphia Corporation for Aging hosts activities throughout the year to promote healthy aging and create community. In this week's Art of Aging, we catch up with some participants who got to walk and talk down Kelly Drive at what might be considered PCA's favorite outdoor event.
VSee Health Shareholder Letter
Projects a Transformative 2027HOUSTON, TX / ACCESS Newswire / October 22, 2026 / , Inc. (Nasdaq:VSEE) ("VSee" or the "Company"), a leading provider of telehealth and digital health solutions, today issued the following letter from Chairman and Chief Executive Officer Dr.
Community Health Center of the North Country, NAHEC to host event focusing on needs of older adults
POTSDAM — Community Health Center of the North Country and The Northern Area Health Education Center (NAHEC), through the Older Adult Rural Support (OARS) program, will host a community roundtable …
AI as the next political divide
We have a guest post today from our friends at Focaldata, with whom we have done polling before. They have been doing a lot of work on attitudes towards AI and how this is affecting politics on both sides of the Atlantic. In this post, they explore exclusive new polling – with a whole set of fascinating charts on how voters’ views are developing and why. In particular, the authors explore why the debate is currently so much more polarised by party in the US than in the UK, to the benefit of the Democrats. Subscribe Focaldata HQ is located in Shoreditch, east London. To access the office from the Shoreditch High Street Overground station, you have to walk under the bridge at Braithwaite Street. We mention this not as a navigational aid, but because the posters above caught our eye over the summer. Since June, the area has been the centre of a fiercely contested debate around the construction of a data centre on the Truman Brewery estate on Brick Lane, less than 200 metres from our office. It was one of the first ‘US-style’ protest movements around AI data centres the country has seen, and may not be the last. These protests served as the catalyst for our forthcoming report, examining whether AI could become the next political divide on both sides of the Atlantic. We wanted to understand what was driving the emerging politics of AI and whether the dynamics at play in the US offer clues as to how the British debate will evolve. Over the last month, we polled 3,851 people across the UK and US about their views on AI. Our research found striking similarities between the two countries: for instance, both electorates are evenly split on their views towards AI development, with just over a third in favour (37% in each country), a similar number opposed, and the remainder somewhere in the middle or unsure. Statistically speaking, there is no difference in overall sentiment towards AI between the UK and US. Under the hood, demographic patterns also look largely the same in the two countries, with millennials, degree holders, full-time workers and those who describe themselves as financially comfortable more pro-AI than the rest of the country. Despite this convergence in overall attitudes, there is a striking divergence in how much of a politicised issue AI has become. In the US, attitudes are increasingly split by political affiliation and the issue has become the latest front in the seemingly interminable culture war, playing a role in the upcoming midterms. This stark political polarisation of AI has not happened in the UK – at least not yet. In what follows, we test several hypotheses for why the two countries are so far apart on a political basis. Understanding which hypothesis is correct will give us an indication of where the British dynamics go next.
From Penn State teammates to business partners, the Clifford brothers’ paths continue
Growing up playing football, Liam Clifford never thought he’d follow his older brother, Sean, to Penn State. Sean had arrived in Happy Valley in 2017, and Liam wanted to carve
Commission announces plan for polar hub to step up research coordination
The European Commission plans to develop an EU polar research hub to strengthen coordination and improve the alignment between science and policy. The objective, according to a Commission official, is to “better connect research, observation and scientific infrastructure, improve access to research resources and strengthen coordination with stakeholders, including Indigenous people.”Announced in a new EU Arctic strategy on October 20, there is little detail yet on how the hub will be implemented, only that it will “reinforce and expand” the European Polar Coordination Office (EPCO), which is hosted and managed by the European Polar Board (EPB) at Umeå University in Sweden. EPCO was born from the EU-PolarNet projects funded through Horizon 2020 and currently coordinates the EU Polar Cluster, a network of EU-funded collaborative polar projects.While the practical details remain to be defined, the decision sends “a clear and positive signal,” said Maria Grigoratou, head of EPCO and executive secretary of EPB. “By reinforcing EPCO, the Commission has an opportunity to build on the legacy of EU-PolarNet 2, strengthen European polar research coordination and expand cooperation with a broader range of Arctic stakeholders,” she told Science|Business.The move has been welcomed by the polar research community. “The polar research hub could play an important role in connecting existing research communities, observation systems and infrastructure, and in bringing scientific knowledge closer to policymaking, in cooperation with local communities and Indigenous people,” said Katrine Moland Hansen, director of operations at Norway’s Nansen Environmental and Remote Sensing Center.But money will be an issue. “It is clear that EPCO will need more resources and structure to function well and to make research reach policymakers,” said Kati Lindström, vice-chair of the Polar Research Committee of the Estonian Academy of Sciences. “European polar research is big if we pool the resources, and it should not only be left to enthusiastic scientists to develop networks of strategic importance in their free time.”The Arctic strategy makes a point of saying that local communities should have a greater involvement in Arctic science. “All EU Arctic research consortia are mandated to invite Indigenous people representatives to participate in projects,” it reads. “The EU also supports research that is directly led by Indigenous communities and address their challenges.”It also underlines the importance of reinforcing collaboration with like-minded partners such as Norway, Iceland, Canada, the UK, Japan and South Korea, as well as deepening its engagement with NATO. This includes the US, with which “the EU is committed to continuing a pragmatic transatlantic engagement based on shared interests and values.”Related articlesViewpoint: Does Europe dare to invest in the Arctic?Anchor Greenlanders in Arctic climate research, experts tell EU ahead of policy updateFor Moland Hansen, this open and inclusive approach to cooperation is encouraging. “The Arctic is also a strong example of why equal participation of associated countries in EU funding instruments matters.”Overall, she finds the new Arctic strategy to be ambitious, timely and comprehensive. “We particularly welcome the recognition that climate change, environmental protection, security, resilience and competitiveness are closely interconnected,” she said. “Research, observations and forecasting capabilities are essential to understanding the rapid changes taking place in the Arctic and addressing these challenges together.”Security focusWhile the Arctic strategy foregrounds security, with pledges to protect undersea cables, boost satellite monitoring, deploy more icebreakers and improve military mobility, the polar community is satisfied that environmental concerns have not been forgotten.“It is inevitable that there is a strong security angle to the EU Arctic strategy, but the impact of climate change and need for climate mitigation and resilience is also strongly recognised and includes a pledge to stay the course on climate commitments,” said Sian Prior, lead advisor to the Clean Arctic Alliance, a coalition of campaigning non-profit organisations.“We need to remember that by the time the next Multiannual Financial Framework comes to an end, in 2034, the polar regions, especially the Arctic region, will be living under a new reality when it comes to ecosystem processes, when it comes to the climate,” Grigoratou went on. “And that will affect any ambition that humans may have in the region.”Lindström agreed. “All aspects of European security are dependent on climate change in the Arctic and consequently, on climate science,” she said. “We cannot close our eyes to issues like energy security, critical minerals, northern shipping routes, dual-use technologies and others. However, it remains to be seen how well the promises to protect the environment and Indigenous rights will hold when faced with critical mineral extraction under the Critical Minerals Act.”
The real reasons US politicians are getting older
No country for young men and women: why do older politicians seem to have such a tight grip on the US political system?
After 75 years serving Monticello and Buffalo, Stellis Health plans to join CentraCare
Stellis Health says its commitment to the communities it serves "isn't changing" as it plans to become part of CentraCare. Shareholders have voted to move forward.
One Movie Later: Buddy Finds the Nightmare Lurking in Childhood Nostalgia — Entertainment & Lifestyle
One Movie Later: Buddy Finds the Nightmare Lurking in Childhood Nostalgia by James Coulter Barney the Dinosaur needs no introduction to anyone raised in the '90s or early 2000s. His bubbly, saccharine cheer made him beloved by toddlers and hated by older kids and adults, so much so that "I hate you, you hate me..." — Local reporting from Polk County, Florida.
Salesforce goes back to the M&A well to fortify a weaker business. Why it's a smart move
The enterprise software giant's planned acquisition of Braze will beef up its marketing business and avoids diluting shareholders in the process.
Hurricanes pose long-term health risks for vulnerable older adults
New research in the Journal of the American Geriatrics Society indicates that older adults who rely on electricity-dependent medical devices-such as ventilators, respirators, and dialysis machines-may face substantial health risks during and after hurricanes, especially in communities experiencing severe flooding.
How to help your parents if they’re using chatbots for health advice
A growing number of older adults are using AI, including to access health information. Here are some ways to help them navigate it.
SpaceX’s Musk Lauds Its Soaring Cloud Business and Possible Tesla Merger
SpaceX put on a bit of a show for shareholders today—and I’m not referring to the sizzle reel of rocket and space videos it showed on its earnings call. No, the big attention grabber was the update from CEO Elon Musk on the progress of SpaceX’s contemplated merger with Tesla and just how ...
Brewers President of Business Operations sides with Timeless Ticket holders: 'We did not live up to the spirit of the program'
AMC Entertainment Holdings (AMC) Shares Climbed, What Is Driving Attention Now?
AMC Entertainment Holdings (AMC) reported a strong Q2 earnings surprise, with revenue up 14.2% year on year and the stock climbing 48.7% since the report. AMC Entertainment Holdings has leaned into this momentum, with a 30-day share price return of 14.07% and a 90-day move of 36.89%, supported by the recent debt refinancing and the launch of its AMC Movie Trivia Game Show mobile app. The year-to-date share price return of 91.30% contrasts sharply with a 3-year total shareholder return that...
Toy Story 5, Backrooms and The Breadwinner Vie to Become the Second Biggest Film This Year...
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Often, people blame “data” for ruining Hollywood, when I’d argue that hype (which can often be debunked by data) is often worse, as you can see in these two headlines. To use a common meme, here’s how it started: and how it’s going: Earlier this year, I read countless (and I mean countless) articles (in almost every mainstream media outlet) about how Heated Rivalry was a huge hit and that it “heated” interest in hockey. But Heated Rivalry wasn’t a huge viewership hit compared to the hype: [ ](https://entertainment.substack.com/p/you-cant-eat-buzzdid-heated-rivalrys) [ You Can’t Eat Buzz…Did Heated Rivalry’s Buzz Translate into Actual Viewership? ](https://entertainment.substack.com/p/you-cant-eat-buzzdid-heated-rivalrys) Entertainment Strategy Guy · Jan 22 [ Read full story ](https://entertainment.substack.com/p/you-cant-eat-buzzdid-heated-rivalrys) In this case, the hype (Heated Rivalry is really popular) belied the data (It didn’t make the top ten charts, meaning it wasn’t a huge hit.1) Even worse, every time I write about this, I get a lot of negative feedback, hence why I only sparingly mention the show these days or add lots of caveats when I write about it, but this just further cements the hype. But companies, and the executives leading them, have to determine strategy based on reality, not media coverage. The NHL committed real marketing dollars to a campaign that didn’t work. Sure enough, the latest NHL season opened to under a million viewers. At some point, you have to focus on what the data says, because real dollars are at stake. And that’s why we have the Streaming Ratings Report! To provide and analyze cold, hard data. Luckily, this week, I can be positive and take a look at a huge opening on streaming, along with a very buzzy horror film that customers kind of like, but don’t really love. And a comedy that tried to rebound on streaming. Today, I’m covering two weeks—21-Sep and 28-Sep—so we have a lot to discuss (nearly 5,000 words worth), including a series of film misses for Netflix, another argument for weekly-released TV shows on streaming, another sitcom tries to avoid the comedy curse, Netflix has two new game shows (one powered by AI), Reacher falling off the charts after a huge run, Prime Video tries its hands at the romcom game**,** a look at the WNBA’s big season, a big night for the VMAs on CBS and MTV, all the flops, bombs and misses, and a whole lot more. (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of September 14th to October 4th, 2026. You can find a link to my terminology here.) Subscribe Film - Two Hits and a Miss Come to Streaming… Three very interesting films came to streaming in one week, and I like comparing them since they show the range of theatrical films. One was a huge blockbuster, one was popular, and one was neither. One is a horror film, a buzzy genre; one is a comedy, a struggling genre; and one is an animated family film, the king of the box office. One went to a tiny streamer (HBO Max), one went to a second-tier streamer (Disney+), and one went to the biggest (Netflix). So… If you just went by box office, you’d expect Backrooms—the $197 million grosser, and partner of Obsession for “YouTube Horror Summer”—to dominate on streaming. If you read this report, though, you know that horror films don’t do great on streaming, and that’s the case again. Backrooms opened at 3.8 million hours according to Nielsen, and had 3.9 million hours in its second week. Here’s how that stacks up to other HBO Max films: We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… ...why I don’t buy Backrooms budget… …two new games shows arrive on streaming… …another sitcom struggles… ...another argument for putting out shows weekly on Netflix... ...and a whole lot more, nearly 5,000 words more... ...please subscribe! We can only keep doing this great work with your support. If you want an idea of just how much content you’d get in a full issue, check out this older issue. Coming Soon! Next week, I’ll be taking a look at the eighth season of Hulu’s The Kardashians, answering the question: will this show ever make the charts? If Mormon wives can make it, surely one of social media’s most popular families can as well. Also, Prime Video has a new horror show based on popular IP, Carrie, Netflix has a horror show starring Josh Hartnett, Below, and Apple TV has a UK import, Small Prophets. Plus a bunch of movies like Disclosure Day heading to Peacock, The Housemaid coming to HBO Max, Ben Affleck’s latest on Apple TV, Animals, and Matchbox the Movie on Apple TV, a John Cena action comedy inspired by Hasbro’s toy cars. The week after is even busier! I’ll look at another IP-based horror show, Crystal Lake, a new MCU show on Disney+, VisionQuest, season two of The Lowdown on FX/Hulu, the fourth seasons of The Diplomat on Netflix and Tulsa King on Paramount+, another season of Love is Blind, and four straight-to-streaming films: Netflix’s Sacrifice (starring Chris Evens, Anya-Taylor-Joy, Vincent Cassel, John Malkovich, Salma Hayek. Charlie XCX), Apple TV’s Tenzing (starring Tom Hiddleston and Willem Defoe), Prime Video’s Love of Your Life (Margaret Qualley) and Masterplan (Stanley Tucci) and a whole lot more, somehow. Long term, here’s some huge IP news: a Game of Thrones movie is coming to theaters, Game of Thrones: Aegon’s Conquest in 2029, while Jon Watts (who helmed three of the most recent Spider-Man movies) is directing the next Star Wars trilogy, to be written by Simon Kinberg. I’m cautiously optimistic for both. It feels obvious to say that making good movies matters, but for bets this big (Star Wars is on a swoon, Game of Thrones hasn’t been to theaters yet), the quality has to be there.
Older breast cancer survivors fall through Medicare home health gap
Among the increasing number of women who survive breast cancer, many older, long-term survivors remain frail. A new study out today in the Journal of the National Cancer Institute shows that in a given ...
Sahara Ray’s sister pays tribute after model’s death at 34: ‘She was magic’
Ruby Ray remembered her older sister as “a light so bright that this world feels impossibly dimmer without her in it.”
CA immigration business seized over allegations of practicing law without a license
The State Bar of California raided the North American Immigration Center in Chino, calling it an unauthorized law firm
Motorola's wide-fold Razr Flex runs Geekbench with older Snapdragon chip and 12GB of RAM
Motorola Razr Flex appears on Geekbench with a Snapdragon 8 Gen 5 chip, 12GB RAM, and Android 17 ahead of its rumored December launch.
How to help seniors with mental health concerns
Older adults struggle with undiagnosed depression more than any other age group
Legacy Berkeley businesses and orgs that have lasted decades honored by city
Berkeley Ace Hardware and Berkeley Humane (both est. 1895) are among the hundreds of organizations 25 years or older celebrated.
Digital health coaching is becoming a popular program for older adults
Whitlam would push Australian PM Albanese to go ‘bigger and bolder,’ biographer says
Albanese read the biography in office, calling its author to discuss Whitlam’s political mistakes as he encountered them.
Warriors Get Terrible Update For Historically Old NBA Roster
Everyone knows the Golden State Warriors are entering the NBA season with an aging roster, but the team is even older than most realize. Rotoworld did a study that confirmed the Warriors are the oldest team in the league with an average age of 29.39 years old. Top players like Stephen Curry, Jimmy Butler, and […] The post Warriors Get Terrible Update For Historically Old NBA Roster appeared first on HEAVY.
The Coming Entertainment Gap
As AI frees up our hours and our population grows older, the world is heading toward a surplus of free time and a shortage of meaningful ways to fill it. By Futurist Thomas Frey In 1930, the economist John Maynard Keynes predicted that his grandchildren’s generation would work about 15 hours a week. He worried […]
Epic Games shifts to automation-first development: Tim Sweeney sees a “golden age of gaming”
Epic Games is moving teams toward automation-first development. Tim Sweeney says generative tools could speed up production, lower costs, and open wha
Emplify Health and Pearl Health Partner to Expand Elderly Care in the Midwest
Emplify Health has partnered with Pearl Health with the goal of assisting older adults in staying healthy and ...
Live Nation Entertainment (LYV) Could Be 16% Undervalued As It Resets Its Debt Clock
Live Nation Entertainment (LYV) has just priced a sizeable dual currency bond offering that reshapes its debt calendar. Fresh 2032 USD and euro notes are earmarked to redeem 2027 secured bonds and support broader financing needs. Against this refinancing backdrop, Live Nation Entertainment’s share price has moved to $170.51, with a 30-day share price return of 2.03% and a year-to-date share price gain of 17.34%. The 3-year total shareholder return of 113.27% points to longer term momentum...
Breast cancer rates rising among young women, MedStar Health says
October is Breast Cancer Awareness Month, and women of all ages should pay attention. Long considered a disease of older women, breast cancer is now being diagnosed more often in
Eating blueberries every day may have a surprising effect on your mood
Eating blueberries every day could have surprising effects on mood, according to a small study that found greater reductions in depressive symptoms among older adults who consumed the fruit for three months. Researchers also detected changes in gut microbial enzymes, suggesting a possible gut-brain connection, although the mood benefits were not statistically significant compared with a placebo.
Political parties ‘not doing their homework’ with young voters, IU advocates say
Young people have consistently turned out to vote less than their older counterparts.
MS&AD Insurance Group Holdings (TSE:8725) Highlights Its US Business, Is The Upside Already Priced In?
MS&AD Insurance Group Holdings (TSE:8725) put its U.S. operations in the spotlight at its recent Investor Relations Day, giving shareholders fresh detail on how that overseas unit fits into the wider insurance group. The recent Investor Relations Day lands after a strong run in the share price, with a 1-day share price return of 2.49%, a 7-day share price return of 5.05% and a 90-day share price return of 14.70% that points to building momentum. A 1-year total shareholder return of 63.73% and...
Is Teladoc Health (TDOC) Cheap Following Its New AI Tools?
Teladoc Health (TDOC) just rolled out two AI tools inside its Solo platform, SoloVitals and SoloScribe, aimed at contactless vital sign tracking and streamlined clinical note taking for hospital and health system clients. Despite Teladoc Health unveiling AI tools aimed at making virtual visits smoother for hospitals, the 30-day share price return is down 10% and the 90-day move has fallen 41.24%. The 5-year total shareholder return has declined 95.88%, pointing to longer term momentum that...
Guardant Health (GH) Stock Looks Below Fair Value On A Huge Run
Guardant Health has turned into a dramatic long term story for shareholders, yet the real question now is whether the current US$158.60 price can be supported by the cash flows its business is expected to produce. With the stock sharply higher over several years and new clinical and regulatory developments landing, the focus has shifted to what the Discounted Cash Flow (DCF) view of its intrinsic value suggests about that price. Over the past 3 years the share price has risen by very large...
Guardant Health (GH) After Shield And Reveal Data Is The Undervalued Story Still Intact
Guardant Health (GH) is back in focus after new data on its Shield blood test for colorectal cancer screening and Guardant Reveal test for melanoma residual disease were released in October 2026. Investors have taken notice of this Shield and Guardant Reveal data, even as the Guardant Health share price has eased in the short term. The 1-month share price return is down 9.32% and the 7-day share price return is down 5.30%. At the same time, the 1-year total shareholder return of 142.29% and...
Arista vs. Vertiv: Which AI Infrastructure Business Has the Bigger Profit Cushion?
Arista and Vertiv rank tenth and ninth in our 10 Best AI Infrastructure Stocks to Buy for the Long Term. The list shows which eight infrastructure businesses attracted more hedge-fund holders. Both benefit when AI campuses become operational, but their profit cushions differ sharply. Arista Networks, Inc. (NYSE:ANET) supplies data-center networking; Vertiv Holdings Co (NYSE:VRT) […]
Sphere Entertainment (SPHR) Could Be 39% Undervalued After Argus Cuts It To Sell
Argus cut its rating on Sphere Entertainment (SPHR) to SELL, citing weak scores for management, growth prospects, and value, a shift that appears to be influencing how investors view the stock. Recent trading has turned against Sphere Entertainment, with the share price falling 28.3% over the past month and 27.4% over the last quarter. This points to fading momentum even though the year-to-date share price return is 9.8% and the 1-year total shareholder return is 76.4%. Scan beyond Sphere...
Sega pulls Total War: Shogun 2 - Complete Edition from sale amid AI accusations, admitting it has "fallen short"
Sega and Creative Assembly are working with platform holders to remove Total War: Shogun 2 - Complete Edition from sale and bring back the original game.
Science Applications International (SAIC) Could Be 12% Overvalued On CFO And Leadership Changes
Science Applications International (SAIC) is reshaping its senior leadership after appointing Kenneth B. Crews as incoming Chief Financial Officer and Executive Vice President, while existing CFO Prabu Natarajan transitions to lead the Civilian Business Group. The leadership reshuffle lands at a time when Science Applications International’s share price has climbed 15.2% over the past 90 days and 31.47% year to date, while the 1-year total shareholder return of 38.29% points to momentum that...
PENN Entertainment (PENN) Slides 16% In A Month, Is The Discount To Fair Value Warranted?
PENN Entertainment (PENN) has been drawing attention after a steep share price slide, with the stock down 16% over the past month and 27% over the past 3 months. The recent slide comes after a mixed stretch for PENN Entertainment, with the share price roughly flat year to date, while the 1 year total shareholder return has declined 8.1% and the 5 year total shareholder return has fallen about 80%. This points to fading momentum and a market that is still reassessing the company’s risk and...
Ridley couple’s growing e-bike business helps older folks rediscover the joy of riding
Ridley couple says their curiosity about e-bikes started during a vacation in Utah and has blossomed into a business.
Germany win over 80 World Cup
Germany's over 80 team has won the inaugural World Cup title in Australia and said that this success goes beyond football. "We need to ensure that more older people take part in sport," player Michael Rätsch from Hertha Berlin told dpa.
Decades after apartheid, South Africans seek justice for crimes of the past
More than three decades after the end of apartheid, families of victims of some of the worst crimes of South Africa's pastare still fighting for justice. As survivors and perpetrators grow older, a new wave of legal efforts is seeking truth, accountability and reparations before it's too late.
Hims & Hers Health (HIMS) Dropped, So What Is Driving Attention Now?
Hims & Hers Health (HIMS) is back in focus after fresh product news, with Hers Hair now rolling out in the UK as a clinician-led subscription hair loss service for women. Recent price action tells a mixed story for Hims & Hers Health, with the share price down 4.46% over the last day and 9.22% over the past week, yet roughly flat over one month and weaker year to date. The 1-year total shareholder return has declined 43.61%, while the 3-year total shareholder return is very large at roughly...
Build Stakeholder Trust Before You Need It
Preparing relationships for change deserves as much attention as preparing the business.
Virginia health leaders strongly encourage vaccines at Riverside Health flu shot event
NEWPORT NEWS, Va. (WAVY) — Riverside Health hosted a flu vaccine event at their Internal Medicine Warwick location Thursday morning. Multiple state leaders and stakeholder were in attendence,…
Can AI solve our mental health access problem?
Last week I asked you what worries you most about AI in health. It was close, but your top answer was “AI giving bad health advice.” Last week’s poll results: You’re in good company. This concern was top of mind at a conference I joined at Stanford last week, where researchers, clinicians, and people who build AI systems spent a day debating trust and safety in health AI. Stepping back, I’m also hearing your emerging concerns about AI’s impact on our well-being generally. I see this as a matter of public health, and we’ll take it in pieces as we learn together. Today we’ll focus on AI chatbots used for therapy for mental health. Early this month, Governor Newsom vetoed Senate Bill 903, California’s most ambitious attempt to regulate AI use for mental health. It’s at the center of active debate, and raises the questions patients, family members, citizens, and voters will face as AI moves deeper into health care. Let’s work through it. What is “AI-based therapy”? It’s really two things: purpose-built mental health apps designed to deliver structured support, and general chatbots like ChatGPT, Claude, and Gemini that people increasingly use for emotional support—even if they weren’t built for it. Spoiler alert: I don’t know whether the shift toward AI therapy is good or bad. The evidence isn’t there yet. But I do know it’s already happening, and I have some ideas about how we can roll it out with safety in mind. The therapy dilemma, in a nutshell Mental health challenges are common, and strain health and well-being across populations. Therapy (interactive dialogue with a trained, empathetic practitioner) helps many people heal. The demand for licensed therapists far exceeds the supply in California, and AI-based therapy can narrow that gap. AI-based therapy remains novel, unproven, and not well tested. Right off the bat, we can see we’re dealing with trade-offs here. Since the main driver of demand for therapy from a robot is lack of access to therapy from a human, we’ll start there. It’s too hard to find and afford a human therapist California is short roughly 55,000 licensed, non-prescribing therapists and counselors, about 40% of what we need. Psychiatrists, who rely on talk therapy as a complement to prescribed medications, are even more scarce. Eight counties have none, and density ranges from 1.7 per 100,000 residents in San Benito County, to 68.1 in Marin County. My wife is a psychiatrist in Marin, and even here access is tight. If it’s hard in the best-supplied county, imagine rural Sierra County, or the San Joaquin Valley. In 2024, more than half of Californians who tried to make a mental health appointment struggled to find a provider who took their insurance, compared with 14% for physical health care. When Senate staff posed as “secret shopper” patients and called 120 mental health providers in Medicare Advantage networks, they landed an appointment less than once for every five tries. Insurers pay behavioral health clinicians about 22% less than medical and surgical clinicians for comparable office visits. On top of that, billing denials and prior authorizations hit hardest at the solo and small practices common in mental health. Psychiatrists opt out of Medicare at the highest rate of any specialty. In many places, a cash practice for therapy fills quickly with patients paying $250 or more an hour, with no insurance paperwork at all. Families who can pay cash find providers more easily. Those who rely on insurance, including Medi-Cal enrollees, older adults, rural residents, and non-English speakers, compete for what’s left. So we can’t pretend the human system works, and we can’t blame people for turning to AI for support when they’re in distress. AI is filling the gap It’s estimated that roughly a quarter of AI users use it for mental health support. If you have internet, it’s available 24/7, it’s cheap, and it speaks your language. Uninsured adults are about twice as likely as insured adults to do it (30% vs. 14%). It feels anonymous in ways that may enable people to ask things they’re unsure or embarrassed about. The largely hidden, personal use makes it hard to study whether it’s actually helping people with their mental health issues, but researchers are trying. Does AI therapy work? A 2026 analysis of nearly 40 randomized trials found chatbots showed a real but small reduction in depression symptoms. But most of these trials were compared to an alternative of no therapy, not a human therapist. So the benefit of AI therapy is probably real, but modest, and mostly untested against the alternative of human contact. We need more studies. Serious concerns OpenAI’s own estimate is that more than a million ChatGPT users each week show signs of suicidal planning or intent. These are high stakes encounters, and AI doesn’t always get it right. That’s partly because a chatbot can sound like a therapist, but it has no license, no duty of care, and it’s not clear who to hold accountable when it gets things wrong. AI is also designed to help users in whatever task they’re seeking to accomplish. People may feel like they’re getting therapy, but they’re mainly getting a convincing conversation. It’s easy for an AI companion to wander into gray areas, like playing along with “creative writing” that may be about the user’s own suicidal intent. Courts are driving safety conversations A wave of lawsuits have been filed on behalf of families claiming that chatbots pushed people they loved toward self-harm, including teens who died by suicide. The first settlements came this year. OpenAI is headquartered in San Francisco, and dozens of cases alleging that ChatGPT drove users to suicide or self-harm are now before a San Francisco judge. Character.ai has filed for bankruptcy after several states brought lawsuits accusing the chatbot of pushing dangerous content to kids. But the technology seems to be improving. Last month, an independent evaluation found that newer AI models “almost never endorse suicide.” That’s progress, but our societal appetite for even one preventable death is very low. So how do we move forward? Finding a middle ground Earlier this month the governor vetoed Senate Bill 903, a bill designed to place guardrails on the use of AI for therapy. The bill would have prohibited any AI-based platform from being advertised as psychotherapy, and would have required a licensed professional to review and approve each encounter where AI was used to support therapeutic decisions. Newsom called it overly broad, since even routine screening questions would have needed clinician sign-off. Knowing we’re already short on mental health providers, requiring human review of AI encounters may not relieve our access problems. Still, the answer isn’t no oversight. Here’s one feasible short term solution. Rather than reviewing each encounter, a licensed clinician can design the guardrails: what counts as a crisis, what triggers an immediate handoff to a human, and what gets sampled for audit each month. The AI runs inside that structure. Conversations get checked, failures get reported, and a real clinician owns the framework. Medicine already has models to learn from. The FDA process for rolling out newly approved medications is an example. After a product reaches patients, we keep watching for adverse events. Patient-facing AI needs the same “digital pharmacovigilance”: systematic tracking of harms, near misses, and the types of groups that get hurt and why. It’s also critical that users know that they can reach a human if they’re in crisis. Most chatbots now include messages like these: Bottom line The rush to use unproven AI tools for mental health support is mostly a workaround, a sign of a health system people can’t get into. We need better access to proven care from licensed clinicians. That takes reimbursement that makes accepting insurance viable, and a bigger workforce. But, built and tested well, AI could be part of the answer. It could be the 2 a.m. check-in when no one else is awake, or a way for patients to practice skills their therapist taught them. It could be the first step to get someone the right level of care, and take paperwork off clinicians’ plates so they spend more time with patients. None of this is simple. The SB 903 veto doesn’t end the debate, and the legislature will be back. In the meantime, those of us using these tools need to stay informed, ask hard questions, and hold the companies building them accountable. I’ll try to do my part, and we’ll keep learning together. Love,Matt P.S. If you or someone you know is struggling with mental health challenges, emotional distress, substance use problems, or just needs to talk, call or text 988- you’ll reach a real person— or chat at 988lifeline.org 24/7. Dr. Matt Willis is the author of Your Local Epidemiologist in California. A California native, he’s served as a primary care physician, CDC epidemiologist, and public health officer for Marin County, where he guided the pandemic response. He lives in Marin with his family and their dogs, Teddy and Ramona. Thank you Cynthia He, MD, PhD, and Parnika Saxena, MD, for their guidance in preparing this article. Cynthia works in an outpatient mental health clinic, treating patients who have Medi-Cal or, sometimes, no insurance. Parnika works in an inpatient psychiatric unit, treating patients with public or private insurance or self-pay ability. All opinions are their own and do not represent their employers.
Caesars Entertainment (CZR) Following Argus Focus Is The Digital Growth Story Undervalued
Caesars Entertainment (CZR) is back in focus after research provider Argus highlighted its mix of roughly 50 U.S. gaming properties and detailed 2024 EBITDAR contributions from Las Vegas and regional operations. Recent trading has been softer, with the share price slipping over the past week and month, and the 3-month share price return down 2.04%. However, Caesars Entertainment still carries a 24.15% year to date share price gain and a 34.61% 1-year total shareholder return, alongside a much...
Caesars Entertainment (CZR) Could Be 8% Undervalued As Cash Flow Hopes Build
Caesars Entertainment (CZR) is back in focus after its recent share performance, with the stock closing at US$29.25. Investors are weighing this price against mixed return figures across different time frames. Short-term momentum for Caesars Entertainment has been soft, with the share price return down over the past month. However, the year-to-date share price return of 24.15% and 1-year total shareholder return of 34.61% contrast sharply with a 5-year total shareholder return that is still...
Cook County Public Health encourages vaccinations as respiratory illness season approaches
As temperatures drop and residents spend more time indoors, Cook County Public Health and Human Services is reminding residents to get vaccinated against influenza and COVID-19. Respiratory illnesses become more common during the colder months as people gather indoors, increasing opportunities for viruses to spread. “From a public health perspective, this is a good time to...
‘Far too close for comfort’: An under-the-radar Senate race embodies Democrats’ midterm worries
An open Senate seat in Minnesota.
Is time speeding up? Here's what science says
Why did summers feel endless as a kid, but now entire years seem to vanish? Does time actually speed up as we get older – or does it just feel that way? Conspiracy theorists suggest things like...
IP Saves the Day On Streaming
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Before we get started, I wanted to highlight a new idea I saw from Real Good AI, proposing a ratings system for AI use. (H/T to Anthony Kaufman’s article highlighting this.) It would look something like this: In general, I think that this is a solid, middle-ground solution that should appease both the pro-AI camp (who love AI) and the anti-AI camp (who wants to know if what they’re watching didn’t come from humans). Regardless of your feelings on AI/LLMs—I’ll never use it for my writing—transparency is often the best solution to many problems. In general, I think way more media outlets need to be using way more AI disclosures. My quick “Yes and...” to this idea: what about ads? In particular, I hate it when I see or hear ads that are obviously AI-generated, but a person or voice says, “I used this product”. AI doesn’t use products! Just today, I watched a YouTube ad where a “person” said they use some sort of rain wind chime...but that’s not a real person! They didn’t use this product. (Especially since the video of the wind chime itself also appeared to be AI-generated...) I believe most traditional advertising already has standards like this anyway.1 Okay, on to this week’s issue. We’re covering the week of 14-Sep, and then next issue, I’ll be fully caught up with Nielsen’s new release schedule. In the future, I plan to put out Streaming Ratings Reports each Monday after Nielsen’s Thursday releases. Overall, we had some big new shows this week, like Prime Video’s Reacher spinoff_, Neagley_, which is off to a big, big start, and Netflix’s latest in its Monster anthology, which is their largest opening since June and the second-largest since One Piece came out in March. All that, plus Slow Horses returns, the trio of returning shows (Lioness, Reacher and Ted Lasso) continue to dominate the top tens, Paramount+’s latest crime drama, a big whiff for a Netflix original film and a precipitous drop for Netflix film charts, all the flops, bombs and misses, and a whole lot more. Let’s dive right in! (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of September 14th to September 20th 2026. You can find a link to my terminology here.) Subscribe Television - IP For the TV Win Can I use the dirty word of entertainment journalism right now? IP. Shhh. Don’t tell anyone I said it. But IP works at the box office, and we’ve seen some evidence it works in TV too. Not as well, and not all the time—no absolutes here!—but often enough. And glancing at the Nielsen top ten…it worked this week! Take Prime Video, who has a monster hit in the crime drama Reacher. Would a spinoff work for that show? Yep! They binge-released Neagley, about a detective from the original Reacher series, and its eight episodes debuted to 29.6 million hours. Here’s how it stacks up to Reacher, one of Prime Video’s biggest shows: That’s great. Nearly as strong as Reacher’s opening! (Both shows started with eight, binge-released episodes, so this comparison is apples-to-apples.) Notably, Prime Video scheduled the debut of Neagley to overlap with Reacher’s most recent season, to help drive tune-in. Obviously, I love smart release strategies like that. And even though I wrote “obviously”, it’s not really that obvious, since streamers don’t often take advantage of natural overlaps like this_._2 Other data backs how well Neagley performed. It opened at second place on Samba TV for two weeks and got 51.7 million hours on Luminate. That’s the eleventh biggest opening on Luminate since May of 2024 and tied with Bridgerton’s third season opening. That’s a huge opening! Its IMDb is solid too, a 7.7 on 24K reviews. Netflix’s latest edition in the “Monster” series—which started with Jeffrey Dahmer and comes from Ryan Murphy—did well too, opening to 24.7 million hours. That’s the biggest opening for Netflix since I Will Find You in June, and second biggest since March. Unlike the Reacher series, this franchise is trending downward, though. The first Monster show—Dahmer - Monster—was giant. More than anything, I think this reflects that Netflix running out of extremely popular—if that’s the right word?—serial killers to feature. Still, the data says this is a very good opening. It made it to third place on Samba TV for two weeks. It also opened to 40.0 million hours on Luminate. That’s not quite as elite as Neagley, but still very, very strong. I’ll be honest: my priors coming into any given week are that IP works to help drive buzz for new shows, but TV shows need to stand on their own even more than movies, so they will succeed or fail based on their quality. But these two spinoffs definitely worked. Quick Notes on TV The top show, film or special this week? Football, again. Specifically, Prime Video’s season opener of Thursday Night Football. The games run long (three hours) but mainly a lot of people watch each game. That adds up to a lot of viewership. Paramount released the second season of MobLand on an unusual day for that service, a Friday! Often, they put their new shows out on a Sunday, as they did last year with a run of shows (Lioness, Tulsa King and Landman). MobLand didn’t make Nielsen in its first week, but on Samba TV it got to eighth and seventh place. Luminate had a smaller opening too, only 5.3 million hours. MobLand missed the Nielsen charts for its first eight weeks, so this season is off to a stronger start. (Bonus note: the first season streams on both Prime Video and The Roku Channel, but I only have it as Paramount+ on those charts.) I’ve mentioned a few times that foreign-language originals do lower numbers than English-language originals on Netflix most of the time. But I don’t usually emphasize what country those originals come from, and observationally, they tend to be from Western or Northern European countries, in general. So credit to Not a Stranger, a Turkish Netflix original, for breaking through on Luminate, getting to 7.9 million hours in its first full week on those charts. As I mentioned last issue, Crew Girl ended up making the Nielsen charts in its second week. That’s still a soft performance compared to many shows, but again this, one looks affordable. And if you’re curious, here’s how it stacks up to some other sports romance shows: We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… …about a new data source and how it drives streaming viewership… ...what reality show is struggling in its latest season…. ...what Netflix film bombed…. ...How Reacher, Ted Lasso, and Lioness are doing on the charts… ...what obscure sport put up great viewership numbers… …how far streaming films are falling… …all the flops, bombs and misses for the last week… …and more… ...please subscribe! We can only keep doing this great work with your support. If you want an idea of just how much content you’d get in a full issue, check out this older issue. Coming Soon! Next week, we’ve got a double issue, then we’ll be all caught up with Nielsen’s data. Yes! The goal is to have my report out on the Monday after I get Nielsen’s data. So next issue, I’m looking at East of Eden, The Great British Baking Show, a Willy Wonka game show (that people are upset uses AI, but viewers might not care), and a Cosby show spinoff reboot on Netflix, and Brothers on Apple TV (starring Woody Harrelson and Matthew McConaughey). That’s about it for TV, but who’s going to win the streaming week, The Breadwinner or Backrooms on streaming? Answer: Toy Story 5. Plus Netflix has a Unabomber film and a new Tyler Perry film, Teenage Sex and Death at Camp Miasma tries to repeat The Substance’s run on MUBI, and Paramount+ has Jackass: Best and Last. Long term, Netflix is remaking Lonesome Dove. I love this choice, but man, there are a lot of westerns on TV right now. And they’re making Sega TV shows, including a Crazy Taxi TV show and Sonic show with an “edge”.
Spooky Science Fun Returns to Orlando Science Center
Creep into Orlando Science Center on October 31, 2026, for OSC After Dark – a premier Halloween party only for adults 21 and older!
Microsoft Confirms 20% Faster Windows 11 Experience, 8 GB Systems Also Run Better
Microsoft is making its long-promised Windows 11 changes official! Today, the company confirmed that Windows 11 is finally getting a responsiveness improvement, up to 20% more noticeable than the older Windows experience. In footnotes, Microsoft states that the company compared response times...
'Whalefall' takes audiences inside 'the yuckiest escape room ever'
With “Whalefall,” director Brian Duffield thinks he might have the most beautiful stomach on screen in movie history. Though that might depend upon the beholder.
AIFA Provides Business Update
NEW YORK, Oct. 15, 2026 (GLOBE NEWSWIRE) -- All In FutureTech Alliance Inc. (Nasdaq: AIFA) (the “Company”) today provided its shareholders with an update on the progress of the Company’s ongoing business restructuring. On October 4, Chairman Shanglong Li hosted an investor meeting and AI education strategy presentation in Las Vegas, during which the Company provided an update on its AI education strategy, business plans and recent product development progress. The Company is aware of various spe
Clinton Policy Institute outlines maternal health solutions for states
Health Care Clinton Policy Institute outlines maternal health solutions for states It’s the first major report from the project, which launched in July to foster nonpartisan policies to improve the wellbeing of children and families. Stephanie Akin 10:00 AM, Oct 15, 2026 Dr. Jacob Lenz performs an ultrasound at the Oklahoma State University obstetrics and gynecology clinic in Tulsa, Okla., on Tuesday, July 16, 2024. (AP Photo/Mary Conlon) The Clinton Policy Institute is calling on states to lead efforts to curb maternal mortality, releasing a 61-page playbook Thursday highlighting successful policies that could be adopted nationwide. The playbook is the first major report from the Clinton Foundation’s project, which launched in July to foster nonpartisan state and local policies to improve the wellbeing of children and families. “Eighty percent of maternal deaths are preventable, and we know what works,” CPI Chair Jennifer Klein said. “The solutions are well established and evidence-based.” CPI’s mission is to convene political leaders from both parties, policy experts, state officials and other stakeholders to explore solutions to longstanding problems. “What we aim to do is bring together people who are deeply engaged, but may not be meeting together in the same room,” Klein said, noting that state policymakers might not always be aware of what their peers are doing in other states. In May, CPI brought together lawmakers from Virginia and Pennsylvania, two of the 14 states that have passed bipartisan maternal health “Momnibus” packages modeled after a comprehensive federal proposal that has repeatedly stalled, called the Black Maternal Health Momnibus Act. Other participants included Dr. Mona Hanna, founder of Rx Kids, a Michigan program that provides direct cash allowances to pregnant women and infants. Pennsylvania Rep. Morgan Cephas, who was part of the group, said she learned about funding opportunities she hadn’t come across during her decade in the Legislature. “As legislators we can issue grants, we can pass legislation, we can move policy, but we want to ensure that funding opportunities and programs that are tackling this issue are sustainable,” Cephas said. The playbook outlines broad areas where state policy can make a difference, such as allowing Medicaid to pay for doulas and remote patient monitoring, and using federal and private grant funding to pay for home visits to pregnant and postpartum women. For each category, it highlights innovative programs that can serve as models, with examples of specific actions state lawmakers and governors’ offices can take. Those include the Rx Kids model, which gets funding from the Michigan state budget; Pennsylvania’s Healthy Moms Vibrant Futures strategic action plan, emphasizing equity-centered maternal care, regional collaboration, Medicaid innovation, and workforce development that was launched this year with more than 160 stakeholders; and Kansas’s Bridging Plan, which reserves three slots and provides at least $26,000 in loan forgiveness for obstetric residents who commit to practicing in rural or underserved communities for 36 months. CPI emphasizes that its work is nonpartisan. Klein, the director of the White House Gender Policy Council under former President Joe Biden, acknowledged that CPI also takes positions on abortion, Medicaid funding, and the need to address the economic and social drivers of poor health, which might rankle some conservatives. “We don’t shy away from talking about those things that we think are part and parcel of the maternal health crisis in this country,” Klein said. “That said, there are so many policies that are both evidence-based and have been tried successfully in both red and blue states, and people can see that they can have real impact.” She pointed to the federal option to extend postpartum Medicaid coverage from 60 days to 12 months that was made available during the Biden administration and has since been adopted by every state but Arkansas. Other initiatives embraced across party lines include Medicaid coverage for midwives and doulas, as well as “bundled” payments for prenatal and postpartum care. That alternative payment model, pioneered in states such as Arkansas, Colorado and Tennessee, incentivizes fixed fees to cover all healthcare services associated with pregnancy and childbirth. Advocates say it promotes more coordination among caregivers, discourages unnecessary interventions, and expands postpartum support. In addition to maternal health, the initiative is also focused on addressing family economic security, children’s well-being, and democracy and civic resilience.
Valley Health System names Burkholder as VP of operations for ambulatory care
Valley Health System announced Oct. 12 that Wendy Burkholder was named vice president of operations for ambulatory care services.
Health information sources show links to RSV vaccination among older adults in Japan
Respiratory syncytial virus (RSV) causes substantial morbidity among older adults; however, RSV vaccination remains limited in Japan. Identifying effective information channels to promote RSV vaccination ...
Social Security announces 2027 cost of living boost for recipients
The Social Security Administration projects a 3.6% cost-of-living adjustment for older adults and people with disabilities starting in 2027. Some recipients say it won't offset rising prices. This adjustment means $75 extra per month for the nearly 72 million Social Security beneficiaries and about 7.3 million Supplemental Security Income recipients. Inflation continues to pressure household budgets and savings, and some older Americans feel the increase isn't enough. The Social Security Administration faces a looming bankruptcy date if a funding shortfall isn't addressed by Congress. Lawmakers have proposed measures to replenish the trust funds, including lifting the payroll tax cap to generate substantial revenue.
University of Kentucky to host third annual One Health Symposium on Nov. 3
The University of Kentucky Martin-Gatton College of Agriculture, Food and Environment and the One Health Initiative invite the UK campus community, along with local and state stakeholders, to the 2026 One Health Symposium on Nov.
10 health conditions may be linked to Alzheimer's years before diagnosis
Depression, vertigo, headaches and stroke were among conditions linked to early-onset Alzheimer's disease years before diagnosis, a Finnish study suggests.
Melco Resorts And Entertainment (MLCO) Stock May Be A Bargain Following REM Hotel Launch
Melco Resorts & Entertainment has seen its share price under pressure in recent years, which puts a spotlight on a simple question for investors who care about fundamentals. Is the current valuation of Melco justified by the earnings the business is generating today and is expected to earn in the future? Over the past 5 years the stock price has fallen 63.6%, which puts past shareholders' experience and today's earnings based valuation question in sharp contrast. The upcoming REM hotel...
New offer available for Venture X Business cardholders
If you have the Capital One Venture X Business, you may be eligible for an up to $500 credit when booking through Capital One Business Travel.
ON THE JOB: ‘Where Do You See Your Career or Business in 3 to 5 Years?’
“For the next three to five years, I am looking to grow Oswego County Opportunities’ support for the county’s economic development to fight poverty and take advantage of the major investments that are coming to the area.” — Kevin Dean, Executive director, Oswego County Opportunities, Fulton “I love what I’m doing. I’m trying to do this as long as they let me. It’s so exciting to walk the floors at the various factories, talk with community leaders and be part of the solutions to their business problems. As we do this work with manufacturers and community members, we are helping the next generation have these great jobs in skilled manufacturing. I’d like to have the same job title for years to come. I’ve watched the last five years with awe and it makes me proud and excited to be from Upstate New York. I want to keep being part of the conversation that, yes, we can do it in Upstate New York.” — Randy Wolken, President and CEO, Manufacturing Association of Central New York (MACNY) “I oversee the Rochester and Syracuse offices. We’re seeing continual growth as there are more and more job seekers and companies that are looking to fill positions as the economy grows. I’d like to have another Upstate New York office in our region to help promote people under me. I want to see that happen. With an increase in the job market, that is what the end goal is here for sure. We currently have offices in Rochester, Buffalo, Syracuse and Albany, among more than 300 worldwide.” — Briana Calabrese, Marketing director and vice president of finance & accounting and administrative & customer support, Robert Half Recruiters & Employment Agency, Syracuse “Hopefully, we’ll continue to grow by word of mouth. I just took over a couple of years ago. I was an employee for 27 years. Business is great and we’re up on sales from where we were last year and I’m hoping that continues to happen. I get an overwhelming response from people who say they want to support local businesses. It’s my objective when people walk out the door that they want to come back. In a small town like this, it’s crucial. I see myself in five years doing exactly what I’m doing now: sticking with it and trying to grow Fulton Screen Printing.” — Tim Stone, Owner, Fulton Screen Printing, Fulton “I am 85 years old and teach four fitness classes a week and swim four times a week. I hope to live to be 90 — if I can do that, I won’t complain. The older I get, the less afraid I am of dying. What I don’t want to do is get some sickness where I’m lingering and I’m in pain and it just goes on and on. I expect to be exercising as much as I can and I hope I will know when I need to back off to accommodate different problems I may have when I’m older. For a short time, I got up at 6 a.m. to jog for a half hour every morning. But I had to avoid dogs, so I quit jogging. I hope to be able to swim for life. When I swim for half an hour, whatever problems I have wash away. I will still be working in exercise in five years. I also write research articles. It challenges my mind. You have to challenge your mind and body and have some kind of goals and reasons to go on living. My wife died three and a half years ago, so I try to go out and do things, even though she’s no longer here.” — Fred Wilson. Certified personal trainer at Fitness After 50 and leader of senior fitness classes, Syracuse “I expect to continue working as a local financial adviser professional for the next several years. I really enjoy working with my clients and consider it a privilege to come to work every day, helping my clients reach their financial goals.” — Randy L. Zeigler, Certified financial planner practitioner, chartered financial consultant and private wealth adviser, Ameriprise Financial Services, LLC, Oswego “I see myself doing something with young people. I want to open an after-school program as a safe space for high schoolers where they can get tutored, behavioral health, get something to eat. I want to do something with policy. I have thought of doing something with neurodivergent kids where kids can run some kind of business. I want to do anything with community like therapy and psychotherapy. I want to still be able to offer those services to people. At 55, I’m not sure how much I will do. I will see what happens after graduation from Keuka College.” — Della Joyce Smith, Master’s student, Syracuse “I think the core of the gym is in personal training. I don’t see that changing. People will still need a gym and personal training will stay. There may be some loss to AI as there is in just about every industry, but there’s always been the ability to go online and get a workout. I don’t think AI will cut into business any more than the internet has. I think the class structure is shifting. Large group classes might be fading away for a while. I see more people going to specialized classes like Pilates. I wouldn’t be surprised if maybe the traditional classes like boot camps started to fade away. It’s important to adapt. Maybe someday I’ll need to get some new kinds of classes. Everything tends to go in cycles.” — Ryan Vollmer, Certified personal trainer and owner Edge Strength and Conditioning, Syracuse “I have been growing my firm at 24% a year. In five years, we may be purchasing or building a new office building to accommodate the new growth. Right now, our focus is on growth and adding team members, mostly financial advisers and administrative staff.” — Terri Krueger, Chartered financial consultant and senior financial adviser with Orla Wealth Management in Syracuse “Over the next three to five years, I see TDO continuing to experience steady, sustainable growth as new industries establish and expand their presence across Central New York. These investments will create new opportunities throughout the regional manufacturing supply chain, and TDO will continue evolving our capabilities to help both existing manufacturers and emerging industries grow, compete, and succeed.” — Jim D’Agostino, CEO and executive director Central New York TDO (Train, Develop, Optimize), Liverpool
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.
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