Colombian Rock Art Shows Ancestors Traversing the Spiritual Realm, 12,500-Years-Ago
Colombian Rock Art Shows Ancestors Traversing the Spiritual Realm, 12,500-Years-Ago
Home to one of the most spectacular global rock art traditions, the Serrania de la Lindosa rock paintings in Colombia, as old as 12,500 years, contains tens and thousands of paintings, including humans and animals morphing into each other. International archaeologists there have been working with Indigenous elders, leaders, and ritual specialists, to interpret what their ancestors left behind.
Transcending the Metaphysical: Alternating Between Realms
What they’ve learnt transcends the meta-physical, and further cements the loss of Indigenous wisdom, knowledge, and tradition, that have suffered at the hands of colonialism. These accounts, along with material research, has pointed to the art transcending spiritual realms, transformation of bodies, and a continuum in which human and non-human worlds collide.
In fact, to imagine that it is some kind of a literal record of human engagement with the environment around is doing it great disservice. Published in the special issue of Advances in Rock Art Studies, archaeologists from the University of Exeter have been working in the region for the past six years, primarily through the ********* Research Council funded LASTJOURNEY project.
Archaeologists at the University of Exeter shown here at Serranía De La Lindosa, have been working in the region of for the past six years, primarily through the ********* Research Council-funded LASTJOURNEY project, which has investigated the demographic shift of peoples into South America. (University of Exeter)
Professor Jamie Hampson, lead author and archaeologist in the Department of Humanities and Social Sciences, for the University of Exeter, *** explained in a press release.
“Indigenous descendants of the original artists have recently explained to us that the rock art motifs here do not simply ‘reflect’ what the artists saw in the ‘real’ world. They also encode and manifest critical information about how animistic and perspectivistic Indigenous communities constructed, engaged with, and perpetuated their ritualized, socio-cultural worlds. As Ulderico, a Matapí ritual specialist, told us in front of one of the painted panels in September 2022, ‘you have to look at [the motifs] from the shamanic viewpoint’.”
Victor Caycedo at one of the rock art panel sites. (University of Exeter)
Extending over eight miles (12.87 kilometers), the paintings are found in rock shelters, on the sharp edge of the tepuis or limestone table-top mountains. Created with a red mineral pigment, ochre, the depictions include a wide range of fauna, many armed humans, and even wooden towers are depicted too, sometimes high atop the rock walls.
At the time of discovery and study a few months ago, archaeologists explained how these ancient ancestors had intimate knowledge of the various habitats in the region, as part of a broader ‘subsistence strategy’, including knowing exactly which animals to hunt, which plants to harvest when, and how.
Examples of animal taxa represented at Cerro Azul. (a) armadillo, (b) paca, (c) coati, (d) amphibian, (e) tapir/danta, (f) stingray, (g) feline, (h) turtle, (i) deer, (j) crocodile, (k) monkey, (l) porcupine, (m) possible horse, (n) serpent with head plume and legs, (o) lizard, (p) deer, bat, spider, aquatic birds, (q) possible sloth, (r) canid. (Hampson, A., et al. /Advances in Rock Art Studies)
What the Elders Know: Prophetic Warnings and Innate Knowledge
The animals inhabit and symbolize ‘liminal’ spaces, moving fluidly between earth, water, and sky, such as anacondas, jaguars, bats, and herons. The elders see these as significant in the context of shamanic transformation: one elder described jaguars as embodiments of shamanic wisdom, almost as if the animal itself becomes a shamanic avatar. They also cautioned about the need to preserve these images, warning that losing them could sever the connection between Indigenous people, their ancestors, and traditional practices, forever.
Scenes of therianthropic (combining the form of an animal with a man, often a deity) transformation particularly excited the elders; they repeatedly drew the attention of researchers to the images that incorporated ‘avian/human, sloth/human, lizard/human and snake/bird/human’ figures.
Tukano-speaker Ismael Sierra, pointing to paintings at a site called La Fuga in 2023, said:
“So here are the animals that are there, they exist in that mountain range that was formerly and still is, but it is in the spiritual world… These are men with two arms, they are giants that exist in that spiritual maloca (house)… there is an animal, a panther lion that has two heads, one head here and the other here, instead of a tail it has a head, they are from the spiritual world.”
This study is a first of its kind in many ways; for starters, it’s the first time that the views of Indigenous elders have been incorporated into research from this part of the Amazon. Having an ‘insider’ perspective enriches the study, helps understand specific motifs, and look at the framework of animistic cosmology, explained Dr. Hampson. Local communities have further been involved in material preservation through the introduction of a diploma program.
“I have worked with rock art and Indigenous groups on every continent—and never have we been fortunate enough to have such a direct fit between Indigenous testimony and specific rock art motifs,” he concluded.
Top image: One of the huge rock art panels at the Cerro Azul outcrop of the Serranía De La Lindosa, Colombia. Source: Jamie Hampson/University of Exeter
By Sahir Pandey
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City of Las Vegas recovering after unexpected, record-breaking snow
City of Las Vegas recovering after unexpected, record-breaking snow
LAS VEGAS, N.M. (KRQE) – Record-breaking snow hit areas across the state over the last few days, forcing road closures and keeping some residents of Las Vegas home.
It started with light snowflakes: “And then it started piling up more so it kind of shocked me. And to be stuck at home for the first time in a while not being able to get out was kind of crazy,” said Zachary Vigil, a Las Vegas resident.
Your paycheck may be larger in 2025, even if you don’t get a raise
The storm started on Monday producing over 30 inches of snow blanketing parts of Las Vegas leading to hours-long power outages.
“We don’t typically see this powerful of a snowstorm come in this early in the season. So, roadways were not as equipped to deal with this amount of snowfall as it would be if we saw it late December, early January,” said Josh Redwine, KRQE News 13’s Meteorologist.
News 13’s Meteorologist Josh Redwine said Las Vegas averages about four inches of snow in all of November, meaning over the last few days, they saw nearly eight times the normal amount.
City Manager Tim Montgomery said the snow stopped early Thursday evening, allowing crews to manage the high volume of snowfall.
“We’ve made a lot of effort hauling snow out, but now with these conditions, we can resort to melting snow. So, what we’re doing currently is spreading windrows on warm pavement and with this temperature, we have hopes of getting a lot of snow melted this afternoon,” said Public Works Director Arnold Lopez with the City of Las Vegas.
For some residents the snow was a welcome sight, “It was a beautiful surprise for us, we loved it. We enjoyed staying home and just getting cozy. Of course, we have concerns for the community. So, we were all just doing our part as a wholesome town to just take care of each other.”
After facing fires and floods over the last couple of years, one resident speaks to the resilience of northern New Mexicans and how times of difficulty bring the community together.
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“We’re a very close-knit community, so we help each other out whenever hard times happen,” said Mario Lucero, a Las Vegas resident.
Sharing how neighbors helped in one family’s time of need, “Our truck got stuck in the snow when we were trying to get over here, so we had to get our neighbor to pull us out,” said Savannah Lucero, another Las Vegas resident.
Extreme weather this early has also pushed the city and residents to prepare for future storms.
“Actually, right now, I’m going to head to Harbor Freight and get some chains for my truck,” said Mario Lucero.
The city manager anticipates the city will be fully operational by Tuesday, following the observance of Veterans Day.
Copyright 2024 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
For the latest news, weather, sports, and streaming video, head to KRQE NEWS 13 – Breaking News, Albuquerque News, New Mexico News, Weather, and Videos.
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Oakford ****** victim Jady Turner, 22, revealed as brother of young boy who ***** after falling from roof
Oakford ****** victim Jady Turner, 22, revealed as brother of young boy who ***** after falling from roof
An already grief-stricken family is mourning another loss after a ****** claimed a 22-year-old driver’s life just two years after his younger brother ***** when he fell from a roof.
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My 24-year-old step-daughter spends all my husband’s money
My 24-year-old step-daughter spends all my husband’s money
DEAR ABBY: I’m in my early 30s; my husband is 46. We have been married three years. He has a 24-year-old daughter, “Kiki.” Kiki has always been spoiled and catered to; she learned how to lie and manipulate during her childhood.
I have tried to help her because I believed his family when they said she’s trying to get it together. Kiki has a DUI, and she got evicted when her parents asked her to pay her own rent, rather than having them pay. They give her cars, but she wrecks them and then leaves them on the side of the road.
We have a 3-week-old baby and a mortgage. I don’t think his daughter should still be in our budget, but my husband can’t say no to giving her money. Kiki is a habitual liar and user. She can’t pay for gas because she buys weed and alcohol instead, confident that everyone else will pay when her utilities get shut off.
I don’t think it’s fair for us to pay her way. Is 24 young enough to still need this much help? My husband is very defensive about it. — USED IN NORTH CAROLINA
DEAR USED: Considering this troubled young woman’s history, your husband has made a big mistake by fostering her dependence on him. Independence is something she may have to learn in increments. Your husband should sit down with Kiki and explain that he loves her, but she must now find work to support herself, and that he will help — for a set ******* of time — as she adjusts to shouldering responsibility for herself.
If he is still paying her rent, there should be a firm cutoff point. No more cars, because she’s a danger on the road. She can use public transportation. And if there are any more problems because of her substance ******, all bets will be off. The time to draw the line is now.
DEAR ABBY: I am in an online group with neighbors, but I have not been able to get out and meet some newer members in person. One person signs their posts in a language I don’t recognize, and I was wondering if there is a polite way to ask them how to pronounce their name and what language it is. There doesn’t seem to be a way to broach the subject without seeming negative.
Also, when I hear people in my local store speak another language, I am curious because I am semi-fluent in three languages and interested in learning more, but again, what is a polite way to ask? — WONDERING IN VIRGINIA
DEAR WONDERING: If you have the slightest concern about asking your neighbors how to pronounce their name and what language it is, then don’t do it online. Ask another neighbor or wait until you can meet the person face-to-face.
When you are out and about and hear a language you don’t recognize, smile at the people, say that you speak three languages, like the way theirs sounds and ask what it is because you might like to learn it. If the question is asked in a friendly way, most people will answer in the same vein. (I did this at a supermarket recently. The answer was they came from Indonesia and were speaking Malay.)
Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Contact Dear Abby at or P.O. Box 69440, Los Angeles, CA 90069.
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Winning try was ‘best feeling in the world’: Jorgensen
Winning try was ‘best feeling in the world’: Jorgensen
Max Jorgensen could have felt a bit like the forgotten Wallabies’ prodigy after Joseph-Aukuso Suaalii swanned across codes and into camp to be hailed as the golden boy.
Not any more, though.
Finishing off a scintillating, last-gasp move that earned the Wallabies just a second win in the last 12 matches at England’s Twickenham fortress, Jorgensen chose the day when Suaalii lived up to all the hype to also remind everyone back home why all the fuss used to be about him.
His maiden score on Saturday was a beauty. The 20-year-old streaked down the left edge after a slick, lightning final ******* to end a patient seven-phase build-up and, with the clock in the red, apply the final ******-thrust which he adorned with an extravagant ********-***** finish.
Why not? It sure did feel good.
“Oh, man, it’s amazing, it’s unbelievable … the best feeling in the world,” reckoned the flying Waratah, who was born in England while his Wallabies-capped dad Peter was playing for Northampton.
“The atmosphere was crazy – 85,000 people all singing, cheering ******* loud, so you can’t really hear the person inside of you talk. It was so cool to do that.
“Definitely a career highlight, but I’ve only started my career, so hopefully there’s many more like that.”
The try which sealed the epic 42-37 win came straight on the heels of England going 37-35 up in the 79th minute. Australia had one last chance; win the restart, which they effectively did with Suaalii badgering Maro Itoje into a knock-on, and then make one last ******* count.
“The talk was just, ‘boys, keep calm’, and they did well doing that, just building phases, and I got that ball in open space, had no one in front of me, and just gunned it to the line. I definitely knew I had the wheels … it was unreal,” said Jorgensen.
The reason the fuss had ***** down a bit about the gifted youngster was largely because of injury and illness woes.
His Test career, started with the contrasting matches against Argentina this year, was stalled after Jorgensen was hospitalised with a ****** bug.
Healthy and fit again, he’s thrilled to be part of a team with some youthful verve.
“It’s been unreal under Joe Schmidt. As you can see out there, we’re getting better week to week. He’s been amazing, loved him as our coach – and we can keep building. It’s going to be amazing next year,” he said.
“(Suaalii) was amazing. You can just see how athletic is he off those kick-offs, and just his off-load game and running game, mate, he’s built for this game.”
And how he and his teammates are enjoying sticking it to the critics, especially English pundits who’d been suggesting the Lions shouldn’t even be bothering touring Australia next year as defeat for the hosts was a foregone conclusion.
“It’s been a huge motivation,” said Jorgensen. “There’s a couple of people out there who doubted us, and to go out there, get the win and prove them wrong was unreal.”
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Social Security Benefit Cuts May Be Coming Soon. Here’s How to Plan for Them.
Social Security Benefit Cuts May Be Coming Soon. Here’s How to Plan for Them.
Social Security has faced the possibility of benefit cuts in the past, but to date, they’ve never happened. However, just because lawmakers have managed to prevent Social Security cuts in the past doesn’t mean they’re guaranteed to save the program from that fate, given its current financial crisis.
Image source: Getty Images.
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In the coming years, Social Security expects to owe more in scheduled benefits than it collects in payroll tax revenue as baby boomers stage a massive exodus from the workforce. Thankfully, Social Security has trust funds to tap to make up that shortfall — at least for the time being.
Once those trust funds are emptied, Social Security may have no choice but to cut benefits universally. The most recent Social Security Trustees Report puts the timing of those benefit cuts at 2035, which is when the program’s combined trust funds are expected to be depleted.
Clearly, that’s not great news for current or future retirees. But it also doesn’t mean all is lost. If you prepare now, you can avoid a situation where Social Security cuts wreak havoc on your retirement.
If you’re still in the midst of your career, you have a huge advantage over current retirees in the context of Social Security’s financial crisis. You may have several decades to boost your savings to make up for future cuts, so that’s something to act on right away.
You should not only increase your savings rate immediately but also plan to make catch-up contributions in your 401(k) or IRA once you reach the age of 50. Also, make sure your savings are invested appropriately. Harnessing the power of the stock market to grow your nest egg could leave you with a lot more money to work with in retirement.
At the same time, you may want to reconsider some of your retirement plans. If your initial thought was to retire at age 62 and claim Social Security on the spot, you may want to push yourself to work a bit longer.
Age 62 is the earliest point to sign up for Social Security, and you’ll reduce your monthly payments tremendously by not waiting until full retirement age. Given the possibility of benefit cuts, working into your late 60s could be a much smarter bet.
If you’re retired, you may not have as much of an opportunity as current workers to build savings in anticipation of Social Security cuts. But one thing you can do is join the gig economy to give your income a boost. Not only might that give you more breathing room from month to month, but you might also manage to build up a small cushion you can dip into later if Social Security cuts do arrive.
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You may also want to consider relocating to a part of the country where Social Security benefits go further in general. It’s not easy to adjust to new surroundings and give up a local support network. But if you move to a state that’s less expensive for retirees, you may find that you’re able to get by even if your Social Security checks eventually shrink.
The idea of Social Security cuts is scary — there’s no getting around that. But if you take steps to prepare for them, you may find that you’re able to manage OK if a broad reduction in benefits ends up happening after all.
If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $22,924 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after. Simply click here to discover how to learn more about these strategies.
View the “Social Security secrets” »
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Social Security Benefit Cuts May Be Coming Soon. Here’s How to Plan for Them. was originally published by The Motley Fool
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Cillian Murphy: Peaky Blinders star says it is ‘heartbreaking’ watching the series after the ****** of Helen McCrory
Cillian Murphy: Peaky Blinders star says it is ‘heartbreaking’ watching the series after the ****** of Helen McCrory
Cillian Murphy finds re-watching television drama series Peaky Blinders “heartbreaking”.
The 48-year-old actor is reprising his role as Tommy Shelby in an upcoming movie, The Immortal Man, and has been watching old episodes of the drama to prepare.
Peaky Blinders ran for six series between 2013 and 2022.
Murphy said while he found the storylines enjoyable when he was able to detach himself, it wasn’t an easy watch because of the scenes involving his late co-star Helen McCrory, who ***** of ******* in 2021.
“Since I started producing – I was a producer on Peaky – you kind of have to,” he told Britain’s GQ magazine.
“It kind of takes the curse off of it.
“It was very nice watching it, because it was actually quite a good show.”
Asked if he could distance himself from the show, Murphy said “a little bit”.
“It was also quite heartbreaking, you know, because I was watching Helen McCrory, and we lost her,” he said.
“But you can distance yourself from it, and look at and say, ‘right, that’s the atmosphere we want, that’s the look we need, that’s the silhouette, and that’s the energy we need from it’.
“We need to turn it up for the movie, obviously.”
Despite playing Tommy for so many years, the Oscar-winning star insisted it wasn’t “easy” to get back into character but after a few weeks, it was like a “second skin”.
“You have to figure it out again,” he said.
“It’s not easy. You can’t just switch him on and off.
“It takes a moment. It takes more than a moment – it takes a few weeks to get back to it.
“I have to watch some of it to remember what it’s all about but then when you get into it, it does become like a second skin because I’ve been playing him for like 12 years or something.”
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Kate returns to official royal duties with commemoration of war *****
Kate returns to official royal duties with commemoration of war *****
LONDON — King Charles III led Remembrance Day commemorations in London on Sunday as the ******* Kingdom remembered British and Commonwealth servicemen and women who have lost their lives to conflict.
After a two-minute silence observed across the nation at 11 a.m. local time, the King ***** the first wreath at the foot of the capital’s Cenotaph war memorial. U.K. Prime Minister Sir Keir Starmer and ************* opposition leader Kemi Badenoch also lay wreaths.
Charles was joined by Prince William and Princess Kate, who has slowly returned to public duties this year following treatment for *******. She watched from the balcony of the U.K.’s foreign office.
Catherine, Princess of Wales, on Sunday.
Queen Camilla missed the occasion after falling ill with a chest infection that forced her to withdraw from public duties this week.
The wreaths were adorned by poppies, a symbol of remembrance also worn on lapels by many across the U.K. in the build-up to Remembrance Day.
Poppies were a common sight on the battle-scarred lands of Europe during World War I. The lime in the rubble left behind after artillery bombardments helped fertilize the plants, which flourished across Belgium and northern France during the war, then largely disappeared once the lime was gone.
King Charles at The Cenotaph in London.
Lieutenant Colonel John McCrae, a ********* who served as a brigade surgeon in the war, made the poppy a famous symbol of the conflict with his poem “In Flanders Field,” where he channeled the voice of fallen soldiers ******* beneath the poppies.
Remembrance Day was originally intended to commemorate the victims of World War I when some 9.7 million military personnel from more than two dozen countries lost their lives, according to the Carnegie Endowment for International Peace, as well as 6.8 million civilians, who ***** from causes like starvation and genocide.
Princess Kate was also in attendance at Saturday evening’s Festival of Remembrance at the Royal Albert Hall, her first major public appearance since finishing chemotherapy.
Camilla and Kate in 2022.
She watched a commemorative concert from the royal box alongside William and other members of the Royal Family, as singer Tom Jones performed for the crowd alongside the Royal Air Force band.
Both events form part of the ******* Kingdom’s Remembrance Day commemorations as the nation pays tribute to those whose lives were affected by World War I, and remembers those who *****.
Services will be held in almost every town and city across the U.K.
Charles, who has also received treatment for ******* this year, received a standing ovation from the audience when he arrived at the Royal Albert Hall.
Prince William said the past year has been “brutal” as his wife and father announced their diagnoses with ******* at the beginning of the year.
“It’s been dreadful. It’s probably been the hardest year in my life,” William told NBC News’ British partner, Sky News, in Cape Town, South *******, last week.
This article was originally published on NBCNews.com
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How to run a local Linux web server running in a Windows 11 window
How to run a local Linux web server running in a Windows 11 window
If you’re building a website or programming web tools using PHP, MySQL or other common languages, it helps to have a test site you can run on your local PC. However, most web hosting services, including the best web hosting services, use Linux, not Windows as their hosting environments. But what if you have a Windows PC and want to build a site that’s going to live on a Linux server?
We have good news. Using Windows 11 or 10’s built-in Windows Subsystem for Linux (WSL) service, you can create a local Linux web server that you can use locally for testing and building a site. You simply run Linux in a window and then you can visit the website in your Windows-based web browser and edit the key HTML, PHP or other files in a Windows-based editor (ex: Notepad++, my fave). You can even navigate your Linux server’s file system using Windows Explorer.
Below, we’ll show you how to create a local Linux web server running in WSL. We’ll use AlmaLinux 9 rather than Ubuntu because AlmaLinux is one of the most commonly used server operating systems for web hosts and it’s similar to CentOS which is also used by many hosts. Our server control panel will be Virtualmin, because it’s a free, easy-to-use control panel. Many people prefer cPanel, but a license for cPanel costs money.
1. Install WSL (Windows Subsystem for Linux) if you don’t have it installed already. You do this by entering wsl –install at a PowerShell command prompt.
(Image credit: Tom’s Hardware)
2. Install AlmaLinux OS 9 for WSL. It’s available in the Microsoft Store.
(Image credit: Tom’s Hardware)
During this process, you will need to create a username and password for your AlmaLinux instance.
3. Update the Linux environment with the latest packages.
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sudo dnf update
4. Set a password for the root user.
sudo passwd root
5. Install VirtualMin by issuing the following commands. The downloaded file is a shell script that will run a series of commands. It is not best practice to install software via this method if the source is not trusted. You can read the contents of the script by typing less install.sh after it has been downloaded.
wget -O install.sh
chmod a+x install.sh
sudo ./install.sh
5. Navigate to the URL it gives you in your browser (either your machine name or IP address with :10000 at the end)
(Image credit: Tom’s Hardware)
6. Log in as root with the password you created.
(Image credit: Future)
7. Navigate through the Post-Installation Wizard, leaving defaults except as noted below.
(Image credit: Future)
I recommend changing the MariaDB password to something easier to remember than the default.
(Image credit: Future)
Toggle “Skip check for resolvability” to on for the Primary nameserver
(Image credit: Future)
8. Click Add new virtual server.
(Image credit: Future)
9. Give your site a domain name, admin password and admin user. You may or may not need the username and password as you may prefer to remain logged in as root.
(Image credit: Future)
10. Install Phpmyadmin and / or Wordpress by navigating to Virtualmin -> Manage Web Apps, selecting them and clicking Show Install Options then choosing install options or accepting the defaults.
(Image credit: Future)
You should now be able to manage your databases by going to in your browser (ex: in my case).
11. Assign a host name to your IP in C:\Windows\System32\drivers\etc\hosts. You do this by adding the IP address, hitting tab and then entering the plain-English name you want to use to access your site. This isn’t necessary as you can always just go to the IP address in your browser, but it makes browsing your local site a little easier.
(Image credit: Future)
13. Give all users read and write access to your public_html directory so you can access all of the websites’ folders via Windows Explorer.
If you set up a virtual server with a user that owns it — in my case, I called that user “thuser” — the folder containing the website files is /home/[USERNAME]/public_html (ex: /home/thuser/public_html). That’s where you’ll find the index.html file that has the default home page for your site.
If, for some reason, you set up the virtual server to run under the root user, the files for the site will be located in /var/www. But, if you followed the instructions above, they are in /home/[USERNAME]/public_html.
There’s just one problem. If you try to navigate to /home/thuser/public_html in Windows Explorer, you get an error message like the one below.
(Image credit: Future)
To fix this problem, you must enter sudo chmod -R 777 [PATH] at the AlmaLinux command prompt. For example.
sudo chmod -R 777 /home/thuser
That will make the entire home folder available in Windows Explorer. Then you can use your favorite Windows code editing software — Notepad++ for example, to open and edit files there.
(Image credit: Future)
Now you can work on your site and test it on your local PC. You can navigate to it in your browser either by going to the IP address or domain name you chose (ex: mysite). You can edit the files using Windows editing software and access the database by going to [Hidden Content].
Use the following addresses to get to where you need to.
Swipe to scroll horizontally
Address (assuming mysite as name)
Use
[Hidden Content]
Home page
[Hidden Content]:10000
Virtualmin Control Panel
[Hidden Content]
Database Management
\\wsl.localhost\AlmaLinux-9\home\thuser\public_html
Home page folder in Windows Explorer
In order for this test site to work, you need to make sure that there’s an AlmaLinux-9 window open in Windows. Otherwise, the web server won’t work.
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Man ******* and two injured in stabbing
Man ******* and two injured in stabbing
A man has been ******* and two others were injured in a stabbing in south London, the Metropolitan Police has said.
Officers were called to to reports of a number of people stabbed in East Street in Walworth at about 10:40 BST on Sunday.
Three injured people were found with one man dying at the scene. The two other people – a man and a woman – were taken to hospital for treatment and their condition is unknown.
A man, believed to be in his 60s, was arrested at the scene.
Cdr Peter Stevens said: “Tragically, a man lost his life this morning, and officers are working hard to establish exactly what happened and to provide support to his family. My thoughts and sincere sympathies are with them, and with the other people injured.
“One man was rapidly arrested by officers responding to the incident. At present, although enquiries are ongoing, nobody else is sought.”
Detectives are not treating the incident as terrorism.
Police are working to confirm the identity of the man who was ******* and inform his family.
“I want to thank those people who have already shared their accounts of what they saw with police. I urge anyone with information or footage, or any witnesses yet to speak with police, to get in touch,” Cdr Stevens added.
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One missing as ***** breaks out on ********* warship
One missing as ***** breaks out on ********* warship
A ***** has broken out on a ********* warship sailing near the western part of the country, causing one crew member to be hospitalised due to smoke inhalation while another was missing, Japan’s navy says.
The Japan Maritime Self-Defence Force (JMSDF) said the minesweeper Ukushima was sailing off the coast north of Fukuoka in the island of Kyushu when the ***** occurred about 9.40am local time.
Admiral Akira Saito later said firefighting efforts were ongoing as of 8.30pm after its crew members except for the missing one were moved to another ship.
The ***** broke out in Ukushima’s engine room and multiple explosive sounds had been heard but the cause was being investigated, Saito, the JMSDF chief of staff, told a press conference.
The minesweeper was en route to southeastern Kyushu for mine warfare drills next week.
Ukushima may sink if the ***** keeps burning, Saito said, adding JMSDF has never had its warships sunk due to *****.
“We’ll do our best to extinguish the ***** and search for the missing crew member,” he said.
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1 Growing Biotech Stock to Buy Today With $1,000 and Hold for 5 Years or More
1 Growing Biotech Stock to Buy Today With $1,000 and Hold for 5 Years or More
If you’re willing to be patient, biotech stocks can offer significant upside, even if you only invest a relatively small amount, like $1,000. In that vein, Madrigal Pharmaceuticals (NASDAQ: MDGL) has a lot to offer. Between its recently launched new ***** and being the first in its market, it has a long runway for growth. Here’s why it’s worth an investment today, provided that you’re willing to hold on to your shares for at least a few years.
Madrigal makes a medicine called Rezdiffra, which is currently the only approved treatment for metabolic-associated steatohepatitis (MASH, formerly known as NASH) in patients with moderate to advanced fibrosis (scarring) of the liver. Right now, its target market comprises the roughly 315,000 patients in the U.S. with MASH who are already diagnosed and in the care of specialists, but its addressable market could one day be as large as the entire population of 1.5 million people in the U.S. who have some form of MASH.
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Since its approval in mid-March of 2024, sales of Rezdiffra are increasing expediciously, reaching $62.2 million in Q3, the *****’s first full quarter on the market. A mere year ago, Madrigal had no revenue at all, and it’s likely that its revenue will continue to rise for at least a couple of years as its commercial rollout continues.
Right now, more than 6,800 patients are taking the treatment. The company hopes to get the ***** approved for ***** in the E.U. sometime in the second half of 2025, which will be a major catalyst for further growth.
The next hurdle to clear is for it to become profitable as its growth accelerates. In the third quarter, its operating expenses were $178.5 million, and it reported cash, equivalents, restricted cash, and short-term investments worth $1 billion. In other words, it has plenty of time to reach profitability before it would need to raise additional capital. And that’s a solid set of reasons to consider investing $1,000 in the stock.
Madrigal probably won’t be the only competitor in the market for MASH drugs forever. But one of the most powerful aspiring entrants, Novo Nordisk, may not be as intimidating for the biotech as it once was. Novo’s molecule semaglutide (commonly known by the trade names Ozempic and Wegovy) is already marketed to treat cardiometabolic illnesses like type 2 diabetes and obesity, both of which are illnesses commonly present in patients with MASH.
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Per the recently published results of a phase 3 clinical trial investigating semaglutide’s helpfulness in treating MASH, its efficacy is fairly similar to that of Rezdiffra, albeit likely slightly better. But as Madrigal’s management is quick to point out, semaglutide is not something that patients find easy to take, so Rezdiffra may have an edge in tolerability over the long term.
Novo will take a bit longer in getting its therapy approved to treat MASH, and even longer to get approval for key expanded indications like cirrhosis with MASH that Madrigal could potentially get relatively soon. So there are no signs that semaglutide will devour so much market share as to slow Rezdiffra’s growth in any meaningful way, at least for now.
Nor is it guaranteed that other aspiring competitors like Eli Lilly will fare significantly better. If anything, it looks like Madrigal will be able to find a home in the market even when it’s among giants.
Therefore, it is very likely that as it continues to penetrate its market, this biotech stock will continue to post a fast rate of growth. And that’s another reason to buy its stock and hold it for the next five years or more.
Ever feel like you missed the boat in buying the most successful stocks? Then you’ll want to hear this.
On rare occasions, our expert team of analysts issues a “Double Down” stock recommendation for companies that they think are about to pop. If you’re worried you’ve already missed your chance to invest, now is the best time to buy before it’s too late. And the numbers speak for themselves:
Amazon: if you invested $1,000 when we doubled down in 2010, you’d have $23,446!*
Apple: if you invested $1,000 when we doubled down in 2008, you’d have $42,982!*
Netflix: if you invested $1,000 when we doubled down in 2004, you’d have $428,758!*
Right now, we’re issuing “Double Down” alerts for three incredible companies, and there may not be another chance like this anytime soon.
See 3 “Double Down” stocks »
*Stock Advisor returns as of November 4, 2024
Alex Carchidi has no position in any of the stocks mentioned. The Motley Fool recommends Novo Nordisk. The Motley Fool has a disclosure policy.
1 Growing Biotech Stock to Buy Today With $1,000 and Hold for 5 Years or More was originally published by The Motley Fool
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Western Force skipper Jeremy Williams scores first Test try as Wallabies beat England at Twickenham
Western Force skipper Jeremy Williams scores first Test try as Wallabies beat England at Twickenham
Western Force skipper Jeremy Williams scored his first Test try as the Wallabies pulled off a heroic and famous last-gasp victory over England in their first win at Twickenham in nine years.
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There’s A Lot To Like About MGP Ingredients’ (NASDAQ:MGPI) Upcoming US$0.12 Dividend
There’s A Lot To Like About MGP Ingredients’ (NASDAQ:MGPI) Upcoming US$0.12 Dividend
Regular readers will know that we love our dividends at Simply Wall St, which is why it’s exciting to see MGP Ingredients, Inc. (NASDAQ:MGPI) is about to trade ex-dividend in the next four days. The ex-dividend date is one business day before a company’s record date, which is the date on which the company determines which shareholders are entitled to receive a dividend. It is important to be aware of the ex-dividend date because any trade on the stock needs to have been settled on or before the record date. Meaning, you will need to purchase MGP Ingredients’ shares before the 15th of November to receive the dividend, which will be paid on the 29th of November.
The company’s next dividend payment will be US$0.12 per share, on the back of last year when the company paid a total of US$0.48 to shareholders. Last year’s total dividend payments show that MGP Ingredients has a trailing yield of 0.9% on the current share price of US$50.90. We love seeing companies pay a dividend, but it’s also important to be sure that laying the golden eggs isn’t going to ***** our golden goose! As a result, readers should always check whether MGP Ingredients has been able to grow its dividends, or if the dividend might be cut.
Check out our latest analysis for MGP Ingredients
Dividends are typically paid from company earnings. If a company pays more in dividends than it earned in profit, then the dividend could be unsustainable. MGP Ingredients is paying out just 10.0% of its profit after tax, which is comfortably low and leaves plenty of breathing room in the case of adverse events. Yet cash flows are even more important than profits for assessing a dividend, so we need to see if the company generated enough cash to pay its distribution. It paid out 25% of its free cash flow as dividends last year, which is conservatively low.
It’s positive to see that MGP Ingredients’s dividend is covered by both profits and cash flow, since this is generally a sign that the dividend is sustainable, and a lower payout ratio usually suggests a greater margin of safety before the dividend gets cut.
Click here to see the company’s payout ratio, plus analyst estimates of its future dividends.
historic-dividend
Stocks in companies that generate sustainable earnings growth often make the best dividend prospects, as it is easier to lift the dividend when earnings are rising. Investors love dividends, so if earnings fall and the dividend is reduced, expect a stock to be sold off heavily at the same time. Fortunately for readers, MGP Ingredients’s earnings per share have been growing at 17% a year for the past five years. The company has managed to grow earnings at a rapid rate, while reinvesting most of the profits within the business. This will make it easier to fund future growth efforts and we think this is an attractive combination – plus the dividend can always be increased later.
Story Continues
Another key way to measure a company’s dividend prospects is by measuring its historical rate of dividend growth. In the last 10 years, MGP Ingredients has lifted its dividend by approximately 25% a year on average. Both per-share earnings and dividends have both been growing rapidly in recent times, which is great to see.
Is MGP Ingredients an attractive dividend stock, or better left on the shelf? It’s great that MGP Ingredients is growing earnings per share while simultaneously paying out a low percentage of both its earnings and cash flow. It’s disappointing to see the dividend has been cut at least once in the past, but as things stand now, the low payout ratio suggests a ************* approach to dividends, which we like. Overall we think this is an attractive combination and worthy of further research.
While it’s tempting to invest in MGP Ingredients for the dividends alone, you should always be mindful of the risks involved. Our analysis shows 1 warning sign for MGP Ingredients and you should be aware of this before buying any shares.
Generally, we wouldn’t recommend just buying the first dividend stock you see. Here’s a curated list of interesting stocks that are strong dividend payers.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
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5 in-demand low-stress jobs — they all pay over $100,000 and help the environment
5 in-demand low-stress jobs — they all pay over $100,000 and help the environment
Higher-paying jobs often mean more pressure — think about surgeons working to save someone’s life, or corporate lawyers responsible for multimillion-dollar business deals.
But you don’t need to take a pay cut to be less stressed at work. There are plenty of low-stress jobs that come with six-figure salaries.
The U.S. Department of Labor’s Occupational Information Network (O*NET) maintains a database of nearly 900 professions, ranking them by stress tolerance on a scale from 0 to 100, which considers the ability to handle criticism and manage high-stress situations.
Many of these low-stress, high-paying jobs are found in the sustainability sector. That could be, in part, because of the opportunities and stability such jobs in this field offer, Julia Pollak, chief economist at ZipRecruiter, tells CNBC Make It.
“Looking long-term, areas like sustainability and green technology are poised to experience significant structural growth driven by shifting consumer priorities toward eco-friendly options, policy incentives for clean energy and rapid technological advances,” Pollak says.
Several green jobs — including solar photovoltaic installers and wind turbine technicians – have been among the fastest-growing jobs in recent years, and are projected to continue to grow quickly in the coming years, she adds.
Here are 5 in-demand green jobs that pay a median annual salary of more than $100,000 and feature a comparatively low level of stress tolerance (all have a level of less than 70 out of 100):
Remote sensing scientist or technologist
These scientists collect and analyze data from aircrafts or satellites, for example, to solve problems in fields such as urban planning, homeland security and natural resource management. Most positions require graduate school including a relevant master’s degree, Ph.D, or M.D. and some experience to be considered.
Median annual salary: $112,280
Environmental economist
These economists research topics such as alternative fuel use, soil conservation and pollution, write corresponding academic papers and evaluate the costs and benefits of policies and regulations affecting the environment. This job often requires a master’s degree, Ph.D or law degree.
Median annual salary: $115,730
Water resource specialist
Water resource specialists (also known as water resource planners) design and help implement programs to improve water conservation efforts, and provide safe, clean water to different communities. Most positions require a bachelor’s degree and technical skills including data analytics and experience with different software systems.
Median annual salary: $157,740
Solar energy systems engineer
These engineers design, develop and manage the equipment and systems that harness the sun’s power to create clean energy. They’re the brains behind solar panels, figuring out how to place them for maximum efficiency and connecting them to the grid or battery systems. This job typically requires a bachelor’s degree, knowledge of photovoltaic systems and experience with design and simulation software.
Median annual salary: $111,970
Environmental engineer
Environmental engineers use math and science to develop solutions that protect the environment and public health. They work on projects like improving water quality, managing waste, and controlling pollution. This job typically requires a bachelor’s degree, knowledge of environmental regulations and proficiency with modeling and design software.
Median annual salary: $100,090
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Guseva’s shot at LPGA Tour history falls just short
Guseva’s shot at LPGA Tour history falls just short
Nataliya Guseva has come just short in her bold bid to become the first Russian to win on the LPGA Tour.
The 21-year-old tour rookie could not quite match her final group partner A Lim Kim as the South Korean posted a four-under 68 to win the Lotte Championship by two shots in Hawaii on Saturday.
Guseva parred the final five holes in a 69 as she finished runner up, having previously tied for second at the Portland Classic in August.
Kim, who won the US Women’s Open in December 2020, ended a six-***** par streak with a birdie on the par-5 18th and finished at 18 under 270 at breezy Hoakalei Country Club.
The 29-year-old South Korean jumped from 65th to 22nd in the Race to CME Globe standings to secure a spot in the 60-player season finale that pays $US4 million to the winner.
********* Auston Kim was third at 15 under after a 67, with Japan’s Nasa Hataoka (67) another ******* back.
Australia’s Grace Kim tied for 11th place at nine under after a closing 71, with countrywomen Robyn Choi (72) tied 35th and Steph Kyriacou (73) tied 43rd.
Angela Stanford closed with a 71 to tie for 26th at five under in what could be her final LPGA Tour event. The 46-year-old Texan has seven tour victories.
“I really didn’t get emotional until I was looking at my scorecard,” Stanford said. “I said going into today I wanted to be me, I wanted to play my game. I hit every green on the back nine. Throughout my career my iron play was what I relied on, so that kind of made me get teary-eyed.”
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The Army’s answer to a lack of recruits is a prep course to boost low scores. It’s working
The Army’s answer to a lack of recruits is a prep course to boost low scores. It’s working
FORT JACKSON, S.C. (AP) — Index cards taped to a large board on the wall at Fort Jackson, South Carolina, reveal the sometimes blunt and gritty reasons that new recruits took a chance at a last-ditch program to get into the Army.
“Eviction notices motivate me,” one said. Others talked about getting free college, a good job and a way to better themselves.
Known as the “Why Wall,” the board is meant as an inspiration for the recruits who could not meet the Army’s physical and academic test standards, so they went into the Future Soldier Prep Course. It provides weeks of instruction to help them bring up their scores.
Started as a trial program two years ago to help boost dismal recruiting numbers, the prep course is fueling the Army’s enlistment comeback. Recruiting has suffered for all the military branches in recent years coming out of the COVID-19 pandemic, amid low unemployment and stiff competition from private companies able to pay more and provide similar or better benefits.
By the end of this budget year on Sept. 30, the Army had made its recruiting goal of 55,000, and service leaders said more than 13,000 of those recruits — or 24% — came into active duty through the prep course.
Army leaders increased the goal to 61,000 for this year and are relying on the prep course to provide a significant chunk again.
During a recent visit to Fort Jackson, Army Secretary Christine Wormuth spoke with recruits and program leaders to see how the course is going and what changes may need to be made. She said the successful program, which more than 31,000 trainees have gone through since it started, deserves to be made permanent.
Wormuth said the Army may make adjustments based on a long-term study on the recruits coming out of the course, including looking at how well they did in their first enlistment and whether there were behavioral or disciplinary problems.
“We really want to see what kind of soldier kind of comes out at the back end of that first term, how do they do in terms of discipline,” Wormuth said.
Drill sergeants have expressed concerns that they are seeing more discipline issues, disrespect and complaints from trainees in the academic course. And they say trainees whose first language is not English have a more difficult time understanding orders and dealing with computers.
While they see fewer discipline issues from recruits in the fitness section, they do see more injuries, including ankle, knee and hip problems. Those trainees, they say, may need to be brought along even more slowly, to increase their strength and conditioning, rather than moving them to basic training the minute they hit the minimum level of requirements.
Commanders told Wormuth that the fitness program aims to give trainees a healthy foundation in eating and working out. Instructors said they do not want to break the recruits before they get to basic training, so they do a lot of yoga, stretching and other exercises to help avoid injuries.
In the classrooms, they are learning basic math, English and other academic skills. The bulk of recruits going through the program are in the academic course.
So far, Wormuth said, the data does not reflect some of the concerns expressed by drill sergeants and commanders. Instead, she and other Army leaders said that on average, the graduation rate from basic training is a bit higher — about 94% — for those who went through the program versus those who did not, which is about 92%.
But so far, they are taking inspiration from the thoughts scrawled on the “Why Wall.”
Company commanders came up with the idea last year, to let recruits lay out their goals in their first few days so they can go back every week to get motivated or see their progress.
A bright yellow sign atop the board tells recruits: “Your WHY will keep you going even when you want to QUIT the most.” The answer for many was they had something to prove — to themselves and others.
“I joined the Army because my family thought I couldn’t accomplish anything in life. So I had to prove them wrong,” one said. Another wrote: “I wanna show my family I’m worth something.”
Others said they wanted to “be a better man,” “gain my independence” and “prove to myself that I can accomplish something and I’m not a quitter.”
One recruit was blunt: “To prove to her I’m not gonna turn into who she said I’d become.”
Recruits lined up near the wall told Wormuth that the physical fitness program is working for them.
Couper Godleski, from Pennsylvania, said that in 10 weeks he had lost 20 pounds.
Britney Vaughn, from Louisiana, said she had lost 30 pounds in six weeks. And while she said she is missing her 3-year-old daughter, “I feel like everything will be worth it.”
On the academic side, recruits told Wormuth that even as they struggle with math or English comprehension, they are getting help from instructors while learning the structure and discipline of the Army. A key goal, said one female recruit, is “to be a role model to my nieces and nephews” and get money for college so she doesn’t have to be in debt.
For Wormuth, the visit confirmed Army leaders’ intention to keep the program going.
Recruiting challenges are not going to end, she said.
“I think we’re going to probably continue to see pretty low unemployment. We’re still going to see 60% go to college. It’s a more competitive labor market,” she said. “So we’re going to have to keep fighting hard for our new recruits.”
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What Trump mass deportation plan would mean for immigrants and economy
What Trump mass deportation plan would mean for immigrants and economy
President-Elect Donald J. Trump won the White House based partly on his promises to rein in immigration, with targeted policies that range from sending ********** to their home countries to more sweeping ones like mass deportations. During the campaign, Trump pledged to end the Temporary Protected Status that allows workers from select countries to come to the U.S. to work. If some of the larger deportation efforts, like rolling back TPS, come to fruition, experts say that there will be ripple effects felt in most sectors of the economy, in particular construction, housing and agriculture.
Economists and labor specialists are most worried about the economic impact of policies that would deport workers already in the U.S., both documented and undocumented.
Staffing agencies were watching the election especially closely.
“The morning after the election, we sat down as a leadership team and explored what does this mean for talent availability?” said Jason Leverant, president and COO of the AtWork Group, a franchise-based national staffing agency. AtWork provide commercial staffing in immigrant-heavy verticals like warehouses, industrial, and agriculture in 39 states.
Workers – “talent” in industry parlance – are already in short supply. While the worst of the labor crisis spurred by the post-Covid economic ***** has passed, and labor supply and demand has come back into balance in recent months, the number of workers available to fill jobs across the U.S. economy ******** a closely watched data point. Mass deportation would exacerbate this economic issue, say employers and economists.
“If the proposed immigration policies come into reality, there could be a significant impact,” Leverant said, pointing to estimates that a mass deportation program could leave as many as one million difficult-to-fill potential job openings.
How many undocumented immigrants work in the U.S.
There are various statistics offered up about the undocumented immigrant population in the ******* States. The left-leaning Center for ********* Progress puts the number at around 11.3 million, with 7 million of them working. The ********* Immigration Council, an advocacy group in favor of expanding immigration, citing data from an ********* Community Survey, also puts the number of undocumented people in the ******* States around 11 million. The non-partisan Pew Research Center puts the number at closer to 8 million people.
“There are millions, many millions who are undocumented who are in the trades; we don’t have the Americans to do the work,” said Chad Prinkey, the CEO of Well Built Construction Consulting, which works with construction companies. “We need these workers; what we all want is for them to be documented; we want to know who they are, where they are, and make sure they are paying taxes; we don’t want them gone.”
Leverant says it is still being determined how jobs lost from a mass deportation would be filled.
“Do we pull talent from one area to another, but then someone else loses it,” Leverant said. “This is pretty significant and we have to stay ahead of it.”
Leverant says he is not concerned about losing any of the 20,000 workers AtWork sends to various places because document status is strenuously checked, but if other companies lose workers, they will be leaning even more heavily on staffing agencies like AtWork for talent that is already in short supply. And supply and demand dictate worker wages, which will be forced upwards. And that will ripple throughout the supply chain right into the supermarket or sporting goods store.
“We are playing the long game now, the pain will be felt and we will see shortages, and slow-downs and delays on every front,” he said.
Produce not making it to market because there are not enough workers to bring it to distribution, or delayed construction projects, are among likely outcomes from limited labor supply.
Worries about workforce extend to skilled labor, tech
There are also concerns about how stricter immigration policy could negatively impact skilled workers.
“This is more than low-skilled labor; this ripples into tech workers and engineers. We don’t have enough skilled talent there either to fill the jobs,” Leverant said, adding that he is not envisioning doctors and scientists being rounded up and deported, but restrictions on H-1B visas and a generally more unwelcoming atmosphere could deter talent from coming.
Janeesa Hollingshead, head of expansion at Uber Works, an on-demand staffing arm of the ride-share company, agrees tech will be impacted, if past is prologue.
“The tech industry relies heavily on immigrants to fill highly technical, crucial roles,” Hollinghead said, recalling that Uber informed all tech workers on H-1B visas during Trump’s first presidency that if they went to their home countries for holidays, they may not be able to return.
According to the ********* Immigration Council, during the first Trump administration, the government’s U.S. Citizenship and Immigration Services denied a larger percentage of H-1B petitions than in the preceding four years, but many of the denials were overturned, leading to a lower level of denials by fiscal 2020, 13%, versus 24% in 2018. Fiscal years 2021and 2022 had the lowest denial rates ever recorded.
Hollingshead says that tech companies in the ******* States are going to be forced to find tech talent from currently overlooked pools of people already in the country.
“U.S. companies are going to need to figure out how to do this or face an even more dire labor shortage,” Hollingshead says.
“I would not write off his mass deportation process as rhetoric. We have to assume he means what he says,” according to David Leopold, chair of the immigration practice group at law firm U.B. Greensfelder.
Still, despite the impact that could churn through the labor market, in practice, the mass deportations might be difficult to pull off.
“It is very expensive to remove 11 million people,” Leopold said, predicting that Trump will use ICE and federal agencies but also lean on local law enforcement to round up immigrants.
In a phone interview with NBC News anchor telling Kristen Welker shortly after the election results, Trump invoked the darker rhetoric on migrants that proved successful during the campaign while saying he isn’t opposed to people coming into the country — in fact, he said more people will be required if his administration’s strategy of requiring businesses to set up operations within the U.S. is successful. “We want people to come in,” Trump said. “We’re gonna have a lot of businesses coming into our country. They want to come into our country. … We want companies and factories and plants and automobile factories to come into our country, and they will be coming. And therefore we need people, but we want people that aren’t necessarily sitting in a jail because they murdered seven people.”
The ********* Immigration Council estimates that in a longer-term mass deportation operation targeting one million people per year — which it said reflects “more ************* proposals” made by mass-deportation proponents — the cost would average out to $88 billion annually, for a total cost of $967.9 billion over the course of more than a decade.
In his interview with NBC News, Trump dismissed concerns about cost. “It’s not a question of a price tag,” he said. “Wwe have no choice. When people have ******* and murdered, when ***** lords have destroyed countries and now they’re going to go back to those countries because they’re not staying here. … there is no price tag,” Trump said.
Leopold says depending in the severity of the plan, changes could reach consumers in the form of increasing prices, supply problems, and restricted access to goods and services.
Construction and housing damage
Nan Wu, research director of the ********* Immigration Council, echoes the concerns of others in predicting turmoil for consumers if deportations tick upward under Trump.
“Mass deportation would exacerbate ongoing U.S. labor shortages, especially in industries that rely heavily on undocumented immigrant workers,” Wu said, citing AIC’s research that shows the construction industry would lose one in eight workers, citing AIC”s research that 14 percent of construction workers in the ******* States are undocumented.
“The removal of so many workers within a short ******* would push up construction costs and lead to delays in building new homes, making housing even less affordable in many parts of the country,” Wu said.
The same, she says, applies to the agriculture industry which would also see a loss of one in eight workers.
“Looking at specific occupations, about one-quarter of farm workers, agricultural graders, and sorters are undocumented workers. Losing the agricultural workers who grow, pick, and pack our food would hurt domestic food production and raise food prices,” Wu said.
Figures from the USDA put the number of undocumented farm workers at 41 percent in 2018, the most recent year figures are available, with California having the highest number.
The AIC estimates that the U.S. GDP would shrink by $1.1 trillion to $1.7 trillion.
Prinkey says the impact of a mass deportation program would be dramatic. “One of the natural problems with undocumented workers, we don’t know how many are here because they are undocumented. It isn’t straightforward. I would wager that half or more of on-site labor is undocumented in specific geographic regions,” he said.
“If you are building a nuclear facility or colleges and universities, you might be working with very few undocumented workers because there is a much higher level of oversight,” Prinkey said. “Those are sectors that will shrug and go forward.” He expected the same for union workers.
But there will be big impacts on single-family and multi-family housing construction, according to Prinkey, sectors of the housing market which he thinks could be “paralyzed.”
“There will be incredible delays; the average 18-month project could take five years to complete because there are so few bodies,” Prinkey said. “It will be less devastating in Boston than Austin; in Austin, it would shut down every project,” he added.
Despite the dire forecast, Prinkey doesn’t think mass deportation will come to pass. “Donald Trump is a developer; he understands what is going on. A mass deportation is not possible without crippling economic impact,” he said.
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Why proposed legislation won’t fix harms related to data exploitation
Why proposed legislation won’t fix harms related to data exploitation
Credit: Unsplash/CC0 Public Domain
Ontario school board lawsuits against social media giants including Meta, Snapchat and TikTok are seeking damages— money paid as a remedy—for the disruption of the educational system.
A growing volume of evidence indicates that young people have become addicted to social media. It suggests social media platforms are designed to foster such addiction, that online activities contribute to behavior such as bullying and harassment, and that excessive use of social networks can harm students’ mental health, even influencing ********.
Ontario school boards, speaking as a coalition called Schools for Social Media Change, argue “social media products, designed for compulsive use, have rewired the way children think, behave and learn” and that “schools are unfairly bearing the brunt of the learning and mental health epidemic caused by the alleged negligent conduct of social media companies.” Lawsuits come as 95 percent of Ontario schools report needing more resources to support student mental health.
At the core of the litigation are concerns about the impact on young people of social media companies’ practices. But neither lawsuit victories, nor existing or proposed Ontario provincial or federal privacy or AI legislation will prevent problems related to rampant collection and processing of human-derived data.
Boards in U.S. and Canada
Four Ontario school boards announced that they were suing social media giants including Meta, Snapchat and TikTok in March 2024. Five other school boards and two private schools also filed suit shortly afterwards.
These actions follow a flood of lawsuits launched in the U.S. by over 200 school districts against social media companies.
The U.S. lawsuits link social media engagement with a decline in students’ mental health. One U.S. statement of claim describes the situation as “perhaps the most serious mental health crisis [the nation’s children, adolescents and teenagers] have ever faced.”
The ********* lawsuits make similar claims. For example, one alleges that the defendant social media companies “employ exploitative business practices and have negligently designed unsafe and/or addictive products” that they market and promote to students.
Regulating digital information
The litigation on both sides of the border is novel. In Canada it has also been somewhat controversial. When asked about the Ontario lawsuits, premier Doug Ford called them “nonsense,” suggesting that the school boards should focus on educating students.
Shortly after the launch of these lawsuits, the Ontario government introduced Bill 194. This bill proposes, among other things, new regulation of digital information of children and youth in schools and in children’s aid societies.
Nonetheless, what is proposed in the bill won’t address what these lawsuits attempt to tackle: the impact on education from how social media companies engage with children and youth—including in time spent out of school. Ontario’s Information and Privacy Commissioner, in her submission on Bill 194, recommends largely replacing what the government proposes with improvements to existing privacy law.
Similarly, the province’s school cell phone ban tackles only one dimension of a much ******* problem.
Impact of company practices on youth
The ********* lawsuits against social media giants are not framed as privacy claims. Indeed, school board led litigation could not raise such claims since any privacy rights are those of the children and youth who engage with social media and not those of the school boards.
The damage alleged by the school boards is the disruption of the operation of schools, but at the core of the litigation are concerns about the impact on young people of social media companies’ practices.
While privacy claims are not part of the school board litigation, they are not far from the surface. Social media user data fuels these companies’ business models, incentivizing them to engage in practices that draw users in, and that drive continued engagement and social dependence. Although all users are affected by these practices, evidence suggests that children and youth are particularly susceptible to becoming addicted.
Data gathered through engagement on these platforms also fuels targeted advertising, which can foster insecurities around body image and other self-confidence-affecting concerns of young people.
Privacy laws out of step?
The roots of the harm alleged by the boards are therefore in personal data collection and processing. However, the consequences far transcend the individual privacy harms recognized in privacy laws or privacy torts. This suggests that our privacy laws are out of step with contemporary data practices.
It would be good to take comfort from the fact that Bill C-27, currently before Parliament’s Standing Committee on Industry and Technology, proposes long-awaited reforms to Canada’s private sector privacy law in the form of a new Consumer Privacy Protection Act.
It also contains a new law that would regulate the development and use of artificial intelligence (AI) technologies. Unfortunately, even if the bill is passed into law before the coming election (which seems increasingly unlikely), these reforms will do little to address the broader systemic harms impacting our society that come from the exploitation of personal data.
Legislation falling short
The proposed Consumer Privacy Protection Act takes only small steps to recognize the sensitivity of children’s information. It falls far short of the ******* Kingdom’s age-appropriate design code of practice for online services.
Further, although the proposed Artificial Intelligence and Data Act would set parameters for the design, development and deployment of AI systems, it defines harms in individual terms—and doesn’t acknowledge group and community harms from algorithm-driven practices, such as the disruption of the educational system.
The ********* Union’s AI Act is not so limited. In its first recital, it describes its broad goals to ensure “a high level of protection of health, safety, fundamental rights … including democracy, the rule of law and environmental protection.”
What the school boards are advancing in their litigation are novel claims for redressing what they and a growing body of experts say are harms rooted in the collection and processing of human-derived data. These harms go beyond the individuals whose data is harvested and impact society more broadly.
As this litigation unfolds, we should be asking: When new bills to regulate AI or privacy are introduced, how will they equip us to address the group and social harms of personal data exploitation?
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Pastor Reveals How Smartphones, Tech Are ‘Decimating’ Kids’ Self-Esteem, Sowing Chaos
Pastor Reveals How Smartphones, Tech Are ‘Decimating’ Kids’ Self-Esteem, Sowing Chaos
A ********** pastor believes the “most neglected spiritual practice in the modern world” is fasting and contends “it may be more needed than ever.”
Dr. Darren Whitehead, senior pastor of ******* of the City in Nashville, Tennessee, is out with a book “The Digital Fast: 40 Days to Detox Your Mind and Reclaim What Matters Most,” in which he addresses the need to apply principles of fasting to our digital consumption.
Whitehead recently told CBN News about the importance of fasting, which GotQuestions.org says is intended “to take your eyes off the things of this world to focus completely on ****.” He pointed back to ******’ own 40-day fast before his ministry began, and said his ******* starts each year by fasting.
“I am definitely a proponent of helping people participate in a food fast several times a year or with some regular rhythm,” Whitehead said. “We, as a *******, take the first 21 days of the year and encourage people to have a season of prayer and fasting.”
As for his belief fasting might be more needed than ever, the preacher pointed to the current state of culture, explaining that people today are “able to appease our every appetite at a moment’s notice at any time, and it hasn’t always been like this.”
And while fasting is often associated with food, Whitehead is also encouraging people to look more diligently at the technologies that have, in many ways, overtaken our lives, encouraging people in his book to consider embarking on a “digital fast.”
Listen to Whitehead explain:
“The reason that I wanted to do a digital fast is that for some of the similar ways that we use food,” he said. “We generally can go to food when we are feeling anxious, when we are afraid of something, when we have some surge of feeling ashamed about something.”
Whitehead believes technology is often treated in the same manner, particularly as a form of escapism.
“Something has happened in society in these last 15 years or so, where, instead of going to food, we’re going to phone,” he said. “And when you feel an unpleasant feeling, when you feel anxious, when you feel afraid. when you feel ashamed — you can just unlock your phone, maybe not even consciously being aware that you’re doing this.”
Whitehead continued, “And you can start ***** scrolling on cat videos on Instagram and forget the feelings … and, all of a sudden, 45 minutes goes by and you think, ‘What am I doing with my life looking at these ***** videos?’”
While this might seem benign, Whitehead said these sorts of actions can impact individuals as well as relationships. This is particularly true when it comes to the allocation of time.
“What am I missing as I observe my children because I’ve got my head ******* in triviality instead of these precious, childhood years that are so fleeting?” he asked.
But beyond our interactions with the people around us, Whitehead warns that our obsession with technology could also be impacting our relationships with ****.
“If all the discretionary moments of our lives have been chased out, then we are not able to still ourselves and listen to the voice of the holy spirit to be paying attention to what **** wants us to pay attention to,” he said.
Beyond that, he argued smartphones are “having an enormous impact, particularly on teenage ****** and it is decimating their self-esteem, it is stealing their attention, it is stunting their social growth.” Listen to more here.
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Messi's Inter Miami shocked, out of MLS playoffs
Messi's Inter Miami shocked, out of MLS playoffs
Lionel Messi’s Inter Milan were top seeds and raging favourites but they have been dumped from the MLS playoffs in the first round.
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Looking ahead after a Trump victory
Looking ahead after a Trump victory
President-elect Donald Trump’s decisive victory is, to say the least, a turning point in the ********* story.
For Trump and his 74 million supporters, it’s a dramatic comeback – a rebuke of an establishment many of them detest, and an affirmation of his agenda, which includes the mass deportations of undocumented migrants; sweeping tariffs; and deregulating federal agencies, as favored by campaign benefactors like Elon Musk.
But for those who backed Vice President Kamala Harris, it is a crushing loss to a man who attempted to overturn the 2020 election.
In her concession speech, Harris said, “A fundamental principle of ********* democracy is that when we lose an election, we accept the results …. At the same time, we owe loyalty not to a president or a party, but to the Constitution of the ******* States.”
This week, President Joe Biden and Trump are scheduled to meet in the Oval Office.
“It’s a pivotal moment to see Trump return to office,” said Brendan Nyhan, a professor of government at Dartmouth College. “The simplest story we have right now – which may be the correct one – is that there was a kind of incumbent backlash against the Biden administration and against the Democratic Party. And Kamala Harris couldn’t separate herself from it.”
Nyhan says Trump’s victory is part of a broader trend – a rejection of incumbents: “Around the world, the parties that have held power during COVID performed very poorly at the polls. It may just be very difficult to hold power after a bout of inflation. Everyone feels inflation. It’s not the same as unemployment, where it’s only a subset of folks who are directly affected.
“What’s striking, though, about this situation is that by many, not all, objective measures, the ********* economy has recovered quite well, in some ways better than many of our counterparts,” Nyhan said.
Of course, the election was about more than the economy. According to professor Dianne Pinderhughes, a political scientist at the University of Notre Dame, race, gender, and class were all factors in this election.
She notes Trump’s gains among ****** and Latino men, but also the challenges faced by female candidates, especially women of ******. “We have a society that is quite ambivalent about women as political candidates, as presidential candidates,” Pinderhughes said. “In a discussion with my class yesterday, one of the students said, ‘Trump was not beaten by a white woman or a ****** woman, but he was by a white man.'”
After Harris entered the race this summer for a dash to the finish, Democrats were hopeful she could finally break that glass ceiling.
Is that promise of a female president still there? “I think a lot of people feel that it’s not there,” Pinderhughes said, “that we have a long way to go, given the contest between two candidates where one is a convicted felon.
“The fact that people that look at those two candidates and see a credible possibility of Donald Trump being president again was just hard to process,” she said.
For now, Trump is working to staff his cabinet and inner circle. A top campaign advisor, Susie Wiles, will become the first female White House chief of staff. And, unlike in 2016, when he was an outsider, Trump returns as leader of a party that has remade itself in his image.
Nyhan said, “He has transformed the *********** Party permanently. And I think the people who hoped that they could just go back to the way things were will finally and fully have to admit defeat.
“People vote on policy; people vote on party; and they vote on the state of the country,” Nyhan said. “In some ways, that’s good. But it means we’re vulnerable when conditions are unfavorable. And that’s brought Donald Trump back from the political *****.”
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Story produced by Ed Forgotson and Michelle Kessel. Editor: George Pozderec.
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Robert Costa is the Chief Election & Campaign correspondent for CBS News, where he covers national politics and ********* democracy.
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I drove a $43,000 Toyota Camry and saw how the best-selling car in America is now even better
I drove a $43,000 Toyota Camry and saw how the best-selling car in America is now even better
The Toyota Camry is a midsize sedan and the best-selling car in the US for the past 22 years.
I was impressed by the Camry’s efficient hybrid powertrain, comfortable ride, and great cabin.
I was disappointed that some safety tech remain pricey options and the loss of V6 power.
Since its launch in 1983, the Toyota Camry has become the gold standard for dependable, albeit a bit dull, family transportation among ********* car buyers.
Last year, Toyota sold more than 290,000 Camrys in the US, beating out rivals like the Honda Accord, Hyundai Sonata, and Kia K5. It marked the 22nd year the midsize sedan has been the country’s best-selling passenger car.
This year, Toyota went hybrid-only with the Camry, which features updated styling and tech, too.
I recently spent a week driving a 2025 Toyota Camry XSE around suburban Atlanta.
A 2025 Toyota Camry XSE AWD hybrid sedan.Benjamin Zhang/Business Insider
I was impressed by the new Camry’s smooth standard hybrid powertrain, fuel efficiency, comfortable ride, updated tech, and well-designed cabin.
There isn’t a whole lot wrong with the Camry. Still, I do lament the loss of the outgoing model’s powerful V6 engine and that some safety tech is only available as pricey optional extras, even on the top trim levels.
My test car came to $43,194.
A 2025 Toyota Camry XSE AWD hybrid sedan.Benjamin Zhang/Business Insider
The base front-wheel-drive Toyota Camry LE starts at $28,400, while my top-of-the-line Camry XSE AWD test car starts at $36,125.
Freight fees and a handful of pricey optional tech, styling, and luxury features pushed the as-tested price for the Kentucky-built sedan to more than $43,000.
The new ninth-generation Camry gets updated styling courtesy of Toyota’s US design team.
A 2025 Toyota Camry XSE AWD hybrid sedan.Benjamin Zhang/Business Insider
The new Camry’s styling is evolutionary rather than revolutionary, continuing Toyota’s decision toward more angular and aggressive lines in recent iterations of the sedan.
The ninth-generation Camry, styled by Toyota’s design studios in California and Michigan, features the brand’s distinctive hammerhead front end, also found on the Prius and the Crown Signia SUV.
The overall look of the Camry is attractive and a far cry from the anonymous design that plagued earlier generations of the model.
The XSE trim comes with a sportier styling.
The 2025 Toyota Camry XSE AWD hybrid sedan.Benjamin Zhang/Business Insider
The XSE and mid-grade SE trims are the Camry’s “sport” models. As a result, they come with special aerodynamic features, including functional front air ducts, front-side canards, and a rear diffuser.
My test car came with attractive 19-inch dark grey metallic wheels, which are a $1,500 option.
The new Camry is about an inch longer than the vehicle it replaced.
A 2025 Toyota Camry XSE AWD hybrid sedan.Benjamin Zhang/Business Insider
The 2025 Camry rides on Toyota’s TNGA-K, which also underpins its predecessor and the Lexus ES sedan. At 193.5 inches, the Camry is the same length as the Hyundai Sonata and about two inches shorter than the Honda Accord.
The Camry’s only engine option is a 2.5 four-cylinder engine paired with Toyota’s hybrid system.
The Camry’s hybrid power unit.Benjamin Zhang/Business Insider
Last year’s ICE four-cylinder and V6 engine options are no more.
All Camrys now come standard with the ********* automaker’s tried and tested hybrid system under the hood. The Camry’s fifth generation Toyota hybrid power unit consists of a 184 horsepower, 2.5-liter naturally aspirated four-cylinder engine mated to a 134 horsepower electric traction motor and a lithium-ion battery pack.
The total system output is 225 horsepower sent to the front wheels through an electronically controlled continuously variable transmission.
All-wheel-drive models like my test car have a 40 horsepower electric motor mounted to the rear axle, which boosts total output to 232 horsepower.
My all-wheel-drive Camry XSE test car boasted EPA fuel economy figures of 44 mpg city, 43 mpg highway, and 44 mpg combined.
I managed to get within a couple of mpgs of the EPA’s combined fuel economy estimates, which is pretty impressive for a 3,700-lbs sedan that was driven quite aggressively.
If you value fuel economy, consider the base front-wheel-drive Camry LE, which is rated for a Prius-esque 51mpg in combined driving.
Despite its sporty looks, the Camry’s specialty is still your daily commute.
The Camry’s front seats.Benjamin Zhang/Business Insider
Despite the sporting pretensions of the XSE trim that include a firmer performance-tuned suspension, the Camry is not a sports car.
The Camry’s ride is quiet and compliant.
Thanks to its electric motors, the 232 horsepower hybrid system delivers smooth and spirited acceleration off the line.
Even under hard acceleration, the hybrid system ******** up to the task with more than enough juice for on ramps and highway passing.
The four-cylinder does emit a mild drone in protest when you **** the throttle, but it’s not intrusive enough to detract from the driving experience.
As much as I like the smooth hybrid-electric powertrain, I do miss the tire-chirping muscle of the previous generation’s 301 horsepower, V6 engine.
According to Motor Trend, the hybrid 2025 Camry with all-wheel drive can make the run from 0-60 mph in a respectable 6.8 seconds. But that’s still a full second slower than the old V6.
The Camry’s cabin is thoughtfully designed with great quality.
The 2025 Camry XSE’s cabin.Benjamin Zhang/Business Insider
The Camry interior tradtional Toyota. It’s well-designed with impeccable ergonomics and plenty of storage and charging options. There’s a good mix of physical and touchcontrols that make on-the-fly use a piece of cake.
Material and build quality are both excellent with plenty of soft-touch materials strategically placed in high contact areas.
The Camry’s leather front seats are supportive and with good adjustability.
The Camry’s driver’s seat.Benjamin Zhang/Business Insider
Although, I think the driver’s seat could use a bit more thigh support.
In front of the driver is a heated leather steering wheel with paddle shifters.
The Camry’s steering wheel, instrument cluster, and HUD.Benjamin Zhang/Business Insider
There is also a configurable 12.3-digital gauge cluster that’s only available on the XLE and XSE trims. My test car also came with the optional 10-inch ****** head-up display.
Atop the Camry’s center stack is a 12.3-inch infotainment touchscreen.
The Camry’s front dash and 12.3-inch infotainment screen.Benjamin Zhang/Business Insider
The Camry comes standard with an 8-inch touchscreen, but my test car had the fancier 12.3-inch unit. The Camry’s infotainment system is pretty well sorted and fairly intuitive to use.
Wireless Apple CarPlay and Android Auto are standard on all trims.
My test car also came with an optional 360-degree panoramic view camera system.
The Camry’s rear seat is spacious and comfortable.
The Camry’s rear seats.Benjamin Zhang/Business Insider
The Camry’s rears seats offer 38 inches of legroom, which splits the difference between the roomier Accord and the smaller Sonata.
Behind the rear seats is a 15.1 cubic foot trunk.
The Camry’s trunk.Benjamin Zhang/Business Insider
The Camry’s trunk is half a cubic foot smaller than the Sonata and 1.6 cubic feet smaller than the Accord.
Under the trunk’s cargo floor is the Camry’s spare tire.
The Camry comes standard with the latest Toyota Safety Sense 3.0 suite of driver assistance tech.
The Camry’s digital gauge cluster.Benjamin Zhang/Business Insider
Safety Sense comes standard with important features like adaptive cruise control and lane departure alert. However, features like front and rear cross-traffic alert are available only as part of pricey convenience packages, even on the highest trim.
My verdict: The best-selling car in America is better than ever.
A 2025 Toyota Camry XSE AWD hybrid sedan in Reservoir Blue.Benjamin Zhang/Business Insider
With the marketplace dominated by SUVs and the headlines by EVs, it’s easy to overlook traditional midsize family sedans like the Toyota Camry.
But that would be a mistake.
The Camry has so much to offer consumer from its quiet and comfortable cabin to its efficient hybrid drivetrain, and updated tech.
For the past 22 years, the Camry has been America’s best selling car – and that streak doesn’t appear to be ending anytime soon.
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The Most Slept Upon Stratagem ****** Bugs More Efficiently Than an Orbital Gas Strike
The Most Slept Upon Stratagem ****** Bugs More Efficiently Than an Orbital Gas Strike
In the endless war against the Terminid threat, Helldivers have an impressive arsenal of stratagems at their disposal. From orbital strikes to automated sentries, each tool serves its purpose of spreading managed democracy across the galaxy.
But among these weapons of liberation, one particular stratagem has been quietly outperforming its flashier counterparts.
A powerful asset that many a Helldiver continues to overlook. | Image Credit: PlayStation/YouTube
While most players gravitate towards the spectacular displays of the Orbital Gas Strike, watching those bugs writhe in corrosive clouds, there’s another option that’s been flying under the radar. Recently buffed and criminally underutilized, this stratagem might just be the key to turning the tide in our ****** for Super Earth.
The Hidden Champion of Helldivers 2?
The A/ARC-3 Tesla Tower, once dismissed as a liability, has emerged as an unexpected powerhouse in the ****** against the bugs. After receiving significant buffs thanks to Arrowhead‘s recent #BuffDivers campaign, this electrifying defensive tool has proven itself capable of holding entire flanks single-handedly—provided you know how to use it properly:
As Redditor Dichotomous-Prime explains in their post, the key to success ***** in strategic placement. And as another veteran Helldiver points out, proper positioning can turn this seemingly risky stratagem into an unstoppable bug-zapping machine:
Comment byu/Dichotomous-Prime from discussion inhelldivers2
It goes without saying that the recent buffs have transformed the Tesla Tower from a situational pick into a legitimate defensive powerhouse in Helldivers 2. The increased ******* rate, in particular, means it can now effectively stun-lock even the beefier Terminids, giving your team precious time to deal with priority targets.
But, of course, with great power comes great responsibility—and the occasional accidental teammate barbecue:
Comment byu/Dichotomous-Prime from discussion inhelldivers2
While the Tesla Tower’s friendly-***** potential can be frustrating, it’s hard to argue with its effectiveness when used properly. The key is communication and awareness—two things that any Helldiver squad should already have in abundance… right?
Mastering the Art of Electric Democracy
Excelling at crowd control across all threat levels. | Image Credit: Arrowhead Game Studios
While the Tesla Tower’s effectiveness is undeniable, its successful deployment relies heavily on team coordination. One wrong step, and you might find yourself explaining to Command why half your squad looks extra crispy:
Comment byu/Dichotomous-Prime from discussion inhelldivers2
The key to maximizing this stratagem’s potential, as it turns out, ***** in clear communication and strategic placement. Ping the location repeatedly, warn your teammates, and watch as entire waves of bugs get reduced to twitching husks—all while keeping your fellow divers safely out of the danger zone.
For Super Earth’s more cautious defenders, this might seem like a risky proposition. But remember: in the ****** for managed democracy, sometimes the most effective weapons require a delicate touch and a healthy respect for electrical safety protocols.
Have you given the Tesla Tower a chance since its recent buffs? Do share your electrifying stories—or cautionary tales—in the comments below!
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How to say ‘no’ when family and friends ask to borrow money
How to say ‘no’ when family and friends ask to borrow money
Lending money to a friend or family member can put a strain on the relationship if you’re not careful.
Nearly a quarter of people who lent money or covered a group expense with the expectation of being paid back say doing so negatively impacted their relationship with the other party, Bankrate’s 2024 financial taboos survey found.
While a common rule of thumb is to simply not expect to receive the money back after loaning it out, there’s another way to navigate this dilemma without going bankrupt yourself: Set boundaries and clearly communicate them.
“Decide if you can afford to give them the money and if you can’t, you may not really be in a position to help,” Aja Evans, a board-certified therapist who specializes in financial therapy, tells CNBC Make It. “You cannot potentially sink your own ship to bail out someone else.”
That’s not to say having that conversation is easy, Evans says. Often, close friends or family members may be aware of the things you’re spending money on, like clothes or vacations, and make judgements about what you can or can’t afford.
But it’s important to remind yourself that no one knows your money better than you, Evans says. “Just because you have it in your account doesn’t mean you can give it,” she says. “Especially if you know other bills are coming.”
Here’s an example of a healthy boundary you can set when asked to loan money and how to navigate the potential guilt that may come if you say no.
Give what you can afford
Directly saying no when a friend or family member asks for money can be hard, especially if you’ve loaned them money in the past. That’s why it’s OK to start small, Evans says.
One way to do that is by lending what you can afford, even if it’s less than they’ve requested, she says. Say a friend asks to borrow $100, but you know giving them the full amount would significantly impact your budget. Try offering an amount that is more feasible for you, such as $20 or $30.
And while you don’t necessarily owe them an explanation for why you can’t give them the full amount they’ve requested, it can be helpful to honestly communicate the other financial obligations you’re managing, Evans says.
“That’s a healthy boundary because, while you may not be able to give all of what they want, you’re giving what you can without sinking your own ship” she says.
It’s OK to feel guilty
It’s common to feel guilty after refusing to lend money to a friend or family member, even if you’re proud of yourself for setting the boundary, Evans says. To deal with the guilt, it can be helpful to write down your financial boundaries and the reasons you’re setting them.
Say you want to boost your emergency savings by allocating any extra income to a high-yield savings account. When you write that goal down, you can readily refer back to it when someone attempts to make you feel guilty for not lending them money, Evans says.
“Remind yourself what you’re trying to achieve and why,” she says. “List your boundaries so when they get pushed — and they will get pushed — you can go back and look at your why.”
You’re not always going to get it right, and may give in to a request for money, especially if it’s a close family member, like a parent or sibling. When that happens, it can be helpful to create a list of coping strategies that can help you feel better, Evans says.
“The list is endless. Take a bike ride, cook something, water your plants,” she says. “The list goes on and on, but its good to have something you know will help lower your stress after a potential confrontation.”
Ultimately, while setting and maintaining your financial boundaries may be difficult in the short term, it can pay off in the long term and help you meet your financial goals.
“It’s very hard, but it’s very important,” Evans says. “Yes, you feel bad now, but you’re going to feel great when you’re able to pay for the things you need.”
Want to earn more money at work? Take CNBC’s new online course How to Negotiate a Higher Salary. Expert instructors will teach you the skills you need to get a ******* paycheck, including how to prepare and build your confidence, what to do and say, and how to craft a counteroffer. Pre-register now and use coupon code EARLYBIRD for an introductory discount of 50% off through Nov. 26, 2024.
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