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The Trump administration commenced distribution of $500 Treasury Department refund payments on September 30, 2026, to approximately 1 million Affordable Care Act enrollees.According to The White House Fact Sheet, the administration had accumulated a $500 million surplus fund derived from excess user fees levied on insurance companies operating on the federal exchange, which were subsequently transferred to consumers through elevated premium costs.Health policy experts consulted by journalists observed that although the $500 checks offer immediate financial relief, they address only a portion of the substantial premium increases that enrollees experienced following the expiration of COVID-era federal health insurance subsidies earlier in the year.The refunds are being transmitted automatically to a designated subset of health insurance enrollees. Recipients residing in one of the 30 states that depend exclusively on the federal HealthCare.gov exchange marketplace rather than a state-administered exchange constitute the primary recipients. Eligible enrollees are those who did not receive premium assistance subsidies and remitted full premiums. The majority of qualifying individuals earn in excess of 400% of the federal poverty line.Eligible individuals will receive the funds automatically through physical mail or direct deposit. Households containing multiple qualifying members may receive more than one check. Checks are accompanied by a letter bearing President Trump's signature.Nevertheless, certain commentators have characterized the initiative as a "political gimmick" strategically timed preceding the consequential midterm elections.They contest the Trump administration's assertions that the Biden administration imposed excessive charges on citizens, contending that the distributed funds may have originated from fees collected during Trump's preceding term. Critics further argue that the disbursements do not constitute a substantive, enduring approach to addressing the persistent escalation of healthcare premiums.Organizations such as Protect Our Care, alongside various policy analysts, emphasize that five hundred dollars represents merely a modest portion of the substantial premium increases that middle-income households encounter as a consequence of lapsed federal tax credit provisions.In contrast, the Trump administration and its proponents characterize these payments as an essential remedy for governmental administrative deficiencies.
India's households save a substantial share of their income, but much of that saving goes into physical assets such as gold and real estate rather than financial instruments. Why does this matter for the economy? And what does the composition of household savings have to do with investment, borrowing costs and economic growth?In this episode of How India's Economy Works, journalist and author Puja Mehra speaks with economist Vidya Mahambare, Union Bank Chair Professor of Economics and Director (Research and Fellow Programme In Management) at the Great Lakes Institute of Management in Chennai about India's household savings and why financial savings are particularly important. They discuss why households save heavily in physical assets, the role of gold and housing, rising household financial liabilities, and why financial savings have increased but remain relatively small compared with physical savings.They also examine whether tax policy creates different incentives for physical and financial savings, and discuss possible ways to encourage households to shift more of their savings into financial instruments without simply asking them to save more overall. Tune in for insights on India's savings patterns, financial savings, household investment, borrowing costs and the policy changes that could reshape how Indians save.CHAPTERS(00:00) Introduction to Household Savings(01:00) Domestic Savings and Investment Needs(05:35) Financial Savings Lower Borrowing Costs(07:16) Comparing Global Household Savings Rates(09:35) Reasons for Physical Asset Dominance(12:47) Rising Liabilities and Net Savings(14:02) Distortions in Real Estate Taxation(17:46) Ending Taxes on Financial Reshuffling(21:44) Rebalancing Incentives Across Asset Classes(24:20) Offsetting Fiscal Revenue via Agriculture(27:12) Shifting Savings Composition Over VolumeFor more of our coverage check out thecore.inFollow us on:Twitter | Instagram | Linkedin | Youtube
THE EMN NEWS DAILY BRIEF | Tuesday, 29 September 2026Hawaii County has shifted from response to damage assessment after Hurricane Nolo and is asking residents and businesses to file damage reports through separate residential and commercial forms. Governor Josh Green has identified roughly $686 million in damage and recovery costs from the state's first four disasters of 2026, before Nolo, which was the season's seventh tropical cyclone. In the Northeast, Rhode Island Energy restored all 50,000 customers it lost in under 48 hours, and PSEG Long Island reported more than 128,000 cumulative outages, with more than 99 percent restored by late Monday. The nor'easter produced an 81-mile-per-hour gust at Montauk Point and 6.3 inches of rain in southeastern Massachusetts. The national preparedness level holds at 2 with 64 incidents and 5,697 personnel, down 306, while the Southern Area reported 63 new fires. CISA released nine industrial control system advisories last week. The EMN NEWS Daily Brief is your concise daily update on national and state-by-state emergency management news.KEY TAKEAWAYSHawaii assessment: Mayor Kimo Alameda said flooding remains the county's biggest concern, particularly in Kau, where roads closed after overnight rain. Naalehu, Waiohinu and Pahala took the brunt of the rain and wind, the same communities Hurricane Lala hit in August. The three shelters opened in Naalehu, Pahala and Ocean View held 10 people Sunday morning and have since closed.Hawaii water system: Department of Water Supply crews are assessing the system for damage and connecting backup generators, and will notify customers when normal use may resume. Customers may see low pressure or intermittent service while conditions stabilize. The essential-use request remains in effect.Kauai deadlines: Hurricane Lowell recovery continues, with the Koloa hurricane resource center open today and Thursday from 9 a.m. to 3 p.m. Households that lost food to power outages may be eligible for replacement SNAP benefits. Real property tax exemption applications close tomorrow with no extensions. Owners of storm-damaged property have until June 30, 2027, to file for disaster tax relief.Get ready, Long Beach! Join emergency management professionals from across the country and around the world for the IAEM 74th Annual Conference & EMEX, November 9-11, 2026, and experience three incredible days of big ideas, new connections, innovation, and the people shaping the future of emergency management. We'll see you in Long Beach!Nor'easter restoration: Rhode Island Energy deployed more than 270 crew members and field personnel, responded to more than 270 vegetation-related outages and over 150 wires-down 911 calls, and replaced 20 broken poles. Scituate, South Kingstown, Cumberland and Coventry were hardest hit. PSEG Long Island ran 16-hour shifts against more than 1,000 downed trees and 530 large branches.Coastal damage: Long Island is assessing steep erosion at Gilgo Beach, where the Army Corps of Engineers was already mobilized for sand replenishment. The stairs to the surf at Smith Point Park were destroyed, part of the Jones Beach fishing pier was knocked down, and the Jones Beach theater took significant damage with water reaching the orchestra seats. In Lindenhurst, floodwater surrounded homes for three days. Measured coastal inundation in New York City topped 2.6 feet.Wildfire posture: Preparedness Level 2 with 64 incidents, 17 uncontained large fires, 1,681,161 acres and 5,697 personnel, a drop of 306, per the Monday situation report. Initial attack was light at 89 fires, with one new large incident and five complex teams committed. Year to date, the country is at 57,339 fires and 8,563,287 acres, 124 and 142 percent of the ten-year averages.Southern Area: Sixty-three new fires, the most of any region by a wide margin, and one new large incident. Rafter 4B southeast of Eldorado, Texas grew 850 acres to 2,100 and rose to 50 percent contained, adding 114 personnel. Grover Bend, southeast of Benjamin, Texas, is 320 acres and 60 percent contained.California: Dome in Yosemite National Park grew 475 acres to 5,081, holding at 30 percent contained with costs at $19.9 million. Timber on the Los Padres National Forest rose to 77 percent contained, with numerous structures still threatened. Command on Plaskett, at 99 percent contained, transfers back to the local unit today.Cyber: CISA released nine industrial control system advisories on September 22, ICSA-26-265-01 through 09. The set covers the lwIP TCP/IP stack, Siemens Siveillance Control, Desigo CC, Industrial Edge Management, and OpenPLC Runtime v3.Fire weather: Abundant moisture from Hurricane Polo moves into the Southwest with widespread showers, scattered thunderstorms and localized flooding. Dry conditions and below-normal temperatures return to California, the western Great Basin, the Northwest and the northern Rockies.For more, visit emnetwork.substack.com and share this with a friend.SOURCESWildfire, nationalNICC Incident Management Situation Report and Predictive Services discussion: Monday, Sept 28, 2026, 0730 MDT (live PDF, overwritten daily). Source for all fire figures, the Southern Area and California items.https://www.nifc.gov/nicc-files/sitreprt.pdfIMSR archivehttps://www.nifc.gov/nicc/incident-information/imsrHawaiiHawaii News Now: Hawaii County shifts to damage assessment, Mayor Alameda comments, shelter counts, Sept 27https://www.hawaiinewsnow.com/2026/09/27/hawaii-county-shifts-damage-assessment-hurricane-nolo-moves-away/Hawaii News Now: county asking residents and businesses to report storm damage, separate residential and commercial forms, Sept 29https://www.hawaiinewsnow.com/2026/09/29/hawaii-island-residents-businesses-urged-report-storm-damage-hurricane-nolo/Big Island Now: Department of Water Supply assessment and generators, shelter closures, Sept 28https://bigislandnow.com/2026/09/28/what-big-island-residents-need-to-know-wednesday-about-tropical-storm-nolo/Honolulu Star-Advertiser: Governor Green's $686 million accounting across the first four 2026 disasters, Sept 24https://www.staradvertiser.com/2026/09/24/hawaii-news/new-storm-threat-to-isles-projected-to-become-a-hurricane/Honolulu Star-Advertiser: federal assistance approved, Nolo as the season's seventh tropical cyclone, Sept 26https://www.staradvertiser.com/2026/09/26/hawaii-news/federal-assistance-approved-as-hurricane-nolo-nears-hawaii/The Garden Island: Kauai County Lowell recovery, resource center hours, SNAP replacement, tax deadlines, Sept 27https://www.thegardenisland.com/2026/09/27/hawaii-news/county-update-nolo-next/East CoastRhode Island Energy: restoration complete, crew counts, outage and pole figures, Sept 28https://news.pplweb.com/Rhode-Island-Energy-restores-power-to-all-customers-following-September-noreasterThe Watchers: PSEG Long Island cumulative outages and restoration, Montauk gust, southeastern Massachusetts rainfall, New York City inundation, storm position Monday, Sept 29https://watchers.news/2026/09/29/noreaster-exits-after-days-of-heavy-rain-and-coastal-flooding-across-u-s-northeast/CBS New York: Long Island damage assessment, Gilgo Beach erosion, Smith Point, Jones Beach and Lindenhurst, Sept 28https://www.cbsnews.com/newyork/news/noreaster-long-island-south-shore-lindenhurst-flooding/ABC7 New York: PSEG Long Island crew shifts, downed trees and branches, Sept 27https://abc7ny.com/live-updates/developing-noreaster-threatens-jersey-shore-long-island-coastal-flooding-rough-surf-strong-winds-accuweather-alert/19861959/entry/19880585/CISACISA Releases Nine Industrial Control Systems Advisories: ICSA-26-265-01 through 09, Sept 22https://content.govdelivery.com/accounts/USDHSCISA/bulletins/42bfaa9CISA Adds One Known Exploited Vulnerability to Catalog: CVE-2026-7273, Sept 21; no later additions located in this sweephttps://www.cisa.gov/news-events/alerts/2026/09/21/cisa-adds-one-known-exploited-vulnerability-catalog This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe
Households to be stretched even further as the Reserve Bank hikes rates to a 15 year high.
Households to be stretched even further as the Reserve Bank hikes rates to a 15 year high.
The Switch Together campaign runs through Oct. 15.
MONEY FM 89.3 - Prime Time with Howie Lim, Bernard Lim & Finance Presenter JP Ong
Electricity retailers are rolling out new plans and promotions as more households look to lock in their electricity rates amid higher energy costs. The proportion of households on fixed-price plans has risen from 36.6% in February to 38.4% in September, while retailers have introduced new discounts, rebates and longer-term fixed-price contracts. So what is driving this shift, what do the different plans actually offer and what should households look out for when deciding whether to switch? On The Big Story, Hongbin Jeong speaks with Dr Sung Jinseok, Research Fellow at the Energy Studies Institute at the National University of Singapore, to find out more. See omnystudio.com/listener for privacy information.
October will see price changes in products and services that are part of people's daily lives in Japan, including a tax cut on beer and levy hikes on quasi-beer and heat-not-burn tobacco products.
Households prepare for more financial pain as persistent inflation leaves the Reserve Bank with little choice other than to hike rates.
Households prepare for more financial pain as persistent inflation leaves the Reserve Bank with little choice other than to hike rates.
Economist Leith van Onselen joined Jason Matthews on 4BC Breakfast to discuss an expected 16th interest rate hike under the Albanese government as total public spending pushes inflation higher. He warns that soaring interest rates, crashing property prices, and potential diesel shortages could push Australia’s economy into a recession, leaving young first-home buyers facing severe mortgage stress.See omnystudio.com/listener for privacy information.
Participants: Ben Cooper - Fellow, Fraser of Allander InstituteChirsty McFadyen - Fellow, Fraser of Allander InstituteHannah Randolph - Fellow, Fraser of Allander InstituteTime stamps: (0:10) Host intros (0:30) Drivers of low income (2:30) Topics in the series (3:40) What we're most looking forward to
In this episode, Shannon opens up about the challenges of navigating blended families and the unexpected surprises that come with it. See omnystudio.com/listener for privacy information.
MONEY FM 89.3 - Prime Time with Howie Lim, Bernard Lim & Finance Presenter JP Ong
Singapore’s households and businesses have sufficient financial buffers to weather potential shocks, according to the Monetary Authority of Singapore’s latest Financial Stability Review. But the outlook isn’t without risks. MAS says around 1% of borrowers could face negative cash flow under a severe stress scenario, while 32% of Singapore-listed companies were assessed to be at risk, accounting for 16% of overall corporate debt. With inflation proving sticky, energy prices under pressure and uncertainty around global growth and AI investment, how resilient is Singapore’s financial system and what should households and businesses be watching? On The Big Story, Hongbin Jeong speaks with Dr Chua Yeow Hwee, Assistant Professor in Economics at the Nanyang Technological University, and Honorary Secretary of the Economics Society of Singapore, to find out more. See omnystudio.com/listener for privacy information.
Guest: Lisette IJssel de Schepper | Chief Economist at the Bureau for Economic Research Interest rates are back in focus as the South African Reserve Bank prepares to announce its latest Monetary Policy Committee decision today. Africa Melane speaks to Lisette IJssel de Schepper, Chief Economist at the Bureau for Economic Research, about the factors shaping the SARB's decision and what it could mean for South Africans. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen.Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBUListen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3NSubscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetcFollow us on social media:702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/Radio702702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/CapeTalkCapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.
It's claimed vulnerable and struggling Clare households can't wait until budget day for home heating oil supports. Sinn Féin will table an emergency motion in the Dáil later today calling on the Government to remove carbon tax on Kerosene. Since June, the average price of a 1,000 litres of home heating oil in Clare has increased by 32% to €1,654. Shannon Sinn Féin Representative Shane Doody says constituents have made it clear they need immediate help.
Stats Can survey shows 23% of Canadian households lived in housing unaffordable to them Learn more about your ad choices. Visit megaphone.fm/adchoices
What does it really look like to build a Christ-centered home? Pastor Shawn McGill unpacks Colossians 3:18-25, challenging us to replace control with mutual submission, harshness with Christlike love, and frustration with wholehearted service, reminding us that everything we do is ultimately for Jesus.
ALSO: Lightning may have sparked fire at Whitestown apartments under construction, Two-thirds of consumers do not freeze their credit despite data breaches, COVID shots, Colts make change ahead of Sunday Night Football, and Motorsport cars arrive at Speedway Main Street before Battle on the Bricks race.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
**Instruction for Households | Pastor Desiree Corral** What does it look like to live out our new life in Christ in the places that matter most? In this message, **“Instruction for Households,”** Pastor Desiree Corral walks through Colossians 3:18–25 and explores God's instructions for marriage, parenting, and the workplace. As believers, our faith is not meant to remain inside the church—it should shape the way we love, serve, lead, submit, forgive, parent, and work. Pastor Desiree explains that God's design for the family is rooted not in value or ability, but in His divine order. Wives are called to submit to their husbands, husbands are called to love their wives with self-giving, Christ-like love, children are called to obey their parents, and parents are challenged to raise their children without provoking or discouraging them. The message also challenges us to view our work differently. Whether we are employees, supervisors, students, or serving in another capacity, **whatever we do should be done wholeheartedly as unto the Lord.** Our workplace can become a mission field when we recognize that we ultimately serve Christ. Above all, Pastor Desiree reminds us that none of this can be accomplished through self-reliance. We need the Holy Spirit to transform our attitudes, motives, relationships, and responses. As Colossians 3 reminds us, we are called to clothe ourselves with mercy, kindness, humility, gentleness, patience, forgiveness, and love. **Your home matters. Your relationships matter. Your work matters. And everything we do is an opportunity to please the Lord.** **Scripture:** Colossians 3:12–13, 18–25; Ephesians 5:25; 1 Peter 3:7; Ephesians 6:9.
With oil prices on the rise, will the Government consider cutting the fuel excise again?
With oil prices on the rise, will the Government consider cutting the fuel excise again?
When South Africa's two-pot retirement system was introduced, the big question was whether people would treat their retirement savings as easy money to dip into, or leave it alone for retirement. Two years later, the data tells a more complicated story – one driven primarily by real financial pressure. A survey conducted by Momentum Corporate on the two-pot system and who is making the most withdrawals shows that it is not the poorest South Africans, but rather established, middle-income households who are making repeat withdrawals most often. Too find out why Bongiwe Zwane spoke to Nashalin Portrag, Head: FundsAtWork & Distribution at Momentum Corporate.
New York City Mayor Zohran Mamdani is backing a bill that Amazon says could cost every NYC household an extra $664 a year. The Delivery Protection Act—pushed by Democratic-socialist Councilmember Tiffany Cabán—would ban companies like Amazon from using third-party contractors for last-mile deliveries. The math is brutal: if Amazon can't use independent drivers, costs go up, service slows down, and the customer pays. An independent analysis put the true cost increase at 267%.Amazon's message to the city was measured but pointed: they're not looking to leave, they value their NYC workforce and small business partners—but they're also not pretending this mandate doesn't come with real economic consequences. A small-business coalition is echoing the warning. This isn't Amazon spin. This is what happens when you legislate the economics out of a system that actually works.Sean walks through what "last-mile delivery" actually means, why the union-backed push to ban contractor drivers sounds good on a press release but destroys the model that makes fast, affordable delivery possible, and why whatever policies take root in New York City have a habit of spreading west. Seattle has been warned.Subscribe to @reasonablenews for daily commentary on the stories the mainstream press buries—without the spin.#NFRP #NYC #MamdaniGO PREMIUM WITH REASONABLE+ FOR UNCENSORED ACCESS
By 2018 the reservoirs supplying Cape Town were down to 20% of capacity. If they reached 13.5%, the city would need to shut down parts of the water network and send residents to collection points to fetch water. That was known as Day Zero, and the rain came just in time to avoid it.Hugh Cole (City of Cape Town) joined the city government in the middle of the crisis, and has subsequently driven the use of data for many aspects of city planning, not just for water. Cape Town now runs its own household survey, works with a private sector partner to measure net migration, and randomises the rollout of water meters so it can find out how they change behaviour. It also runs trials on its electricity subsidy to check whether the money reaches the households it is meant to reach. Cole tells Tim Phillips how the Day Zero near miss changed how the city's leadership uses evidence, and how other cities can follow the same path.The research behind this episode:Abajian, Alexander C., Cassandra Cole, Kelsey Jack, Kyle C. Meng, and Martine Visser. 2025. "Dodging Day Zero: Drought, Adaptation, and Inequality in Cape Town." NBER Working Paper 33468.Cole, Hugh, Kelsey Jack, Derek Strong, and Brendan Maughan-Brown. 2020. "City of Cape Town, South Africa: Aligning Internal Data Capabilities with External Research Partnerships." In Handbook on Using Administrative Data for Research and Evidence-based Policy, edited by Shawn Cole, Iqbal Dhaliwal, Anja Sautmann, and Lars Vilhuber. Cambridge, MA: Abdul Latif Jameel Poverty Action Lab.To cite this episode:Phillips, Tim, and Hugh Cole. 2026. "Cape Town's day zero: How data rebuilt a city's water resilience." VoxDev Talks (podcast).About the guestHugh Cole is Director of Policy and Strategy and Chief Data Officer at the City of Cape Town, where his department covers strategic policy, strategic planning, research and economic analysis. He is a Visiting Senior Fellow at the School of Public Policy at the London School of Economics. Before joining the city in 2017 he was Director of Country Programmes at the International Growth Centre, running teams in 14 countries across sub-Saharan Africa and South Asia.Research cited in this episodeDay Zero. The term began in the media as the day Cape Town's taps would run dry, then settled on something more specific. It became the day dam levels would hit 13.5%, at which point the city planned to shut down parts of the reticulation network and open water collection points, sequenced so that the most vulnerable communities were affected last.Dodging Day Zero. Abajian, Cole, Jack, Meng and Visser use municipal billing records to show what the emergency measures did to different households. Before the drought, richer households used twice as much piped water as poorer ones; at the peak of the crisis they used less, partly because they could drill boreholes and substitute private groundwater for the public supply. That eroded the utility's revenue and shifted the cost of supply towards households who could not afford a private alternative, which is why the tariff reform that followed matters as much as the conservation campaign did.Zonal water balance assessment. Pressure management in the network was one of the two measures Cole credits with the largest effect during the drought, alongside communication with residents. Managing pressure means knowing the boundaries of each pressure zone, and those boundaries had drifted over years of pipes being added and not always recorded. The remapping exercise that followed compares water entering a zone with water leaving it, and it is still going on.The Green Dot map. During the drought the city published a neighbourhood level map of household water consumption, developed with academic partners including Martine Visser at the University of Cape Town. Households within their usage band showed as a green dot. The aim was peer pressure at street level rather than a citywide number.The Water, Air and Energy Lab. Launched in March 2024 by J-PAL Africa at the University of Cape Town, the City of Cape Town and Community Jameel, the WAE Lab pairs city policymakers with researchers to run randomised evaluations on clean air, water and reliable energy. Kelsey Jack is its scientific advisor. It is part of a network of J-PAL air and water labs that also includes national and state level labs in Egypt and India.Free basic electricity. Cape Town subsidises electricity for low-income households, targeted using thresholds on property value and consumption. Because eligibility turns on a cutoff, households just above and just below it are otherwise similar, which lets researchers separate the effect of the subsidy from everything else that differs between rich and poor households. The city funds this transfer from its own budget rather than through National Treasury grant regimes.Advanced metering infrastructure. The city is replacing water meters with digital ones to improve billing accuracy, revenue recovery and leak detection, and to see whether more frequent consumption information changes what households use. Contractor capacity and budget mean the rollout has to be phased, and the phasing is what makes randomisation possible.Charging ahead. An earlier Cape Town collaboration with the same origins. Jack, B. Kelsey, and Grant Smith. 2020. "Charging Ahead: Prepaid Metering, Electricity Use, and Utility Revenue." American Economic Journal: Applied Economics 12(2). Over 4,000 customers were switched from monthly billing to prepaid meters in a randomised order; electricity use fell by about 13%, and the utility recovered more of its revenue on time.Non-revenue water. Water that is produced and then lost before it can be billed, mostly through leaks. It is a persistent problem for utilities across the continent, and separating the leak detection effect of new meters from the behavioural effect on households is one of the questions the city wants answered.Data protection. South Africa's Protection of Personal Information Act is the law Cole refers to as the local equivalent of the European Union's GDPR. It governs what the city can share, and it is why partnerships with banks and telecommunications firms on the informal economy are framed around aggregated and anonymised data.More VoxDev Talks episodesMinibuses, major gains: Rethinking urban transit in developing countries. Lucas Conwell on the privately run minibus networks that Cape Town depends on, and the policy tweaks that would make them work better. Cole describes the city's own minibus taxi reform programme in this episode.The role of cities in economic development. Edward Glaeser and Diego Puga on why the cities of the developing world are the place to look. Cole quotes Glaeser twice here, so this is the natural next listen.How AI can put 20 years of development evidence to work. Iqbal Dhaliwal of J-PAL on why new technology only helps when it is attached to an existing evidence base.Related reading on VoxDev.orgAvoiding day zero: Drought and water pricing in South Africa. The authors of the paper set out how private adaptation by wealthy households undermined the utility's ability to cross-subsidise everyone else, and what the tariff reform did about it.Charging ahead: Prepaid metering, electricity use, and utility revenue. Kelsey Jack and Grant Smith on the Cape Town prepaid metering trial, and what it means for utilities trying to serve low-income customers.
It's a partnership between Tidewater Compost and Berkley-based nonprofit KUSP.
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
September 2026 Edmonton Real Estate Market Update What is actually happening in the Edmonton real estate market heading into fall 2026? Inventory has climbed dramatically compared with the last couple of years. Months of inventory has increased. August was slower. Buyers have significantly more choice. But that does not mean the opportunities are gone. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by Edmonton investor-focused realtor Calvin Hexter of Calvin Realty for a September 2026 Edmonton real estate market update. They break down the latest inventory numbers, months of inventory, days on market, pricing, rental vacancy pressures and what investors should expect as Edmonton moves into the fall market. They also discuss why September may create an important buying window, why investors need to look beyond citywide averages, and why some of the best deals Wayne and his students have seen in years are showing up right now. Edmonton Inventory Has Changed Dramatically One of the biggest changes in Edmonton is inventory. Calvin says available inventory is now around 8,050 properties. For comparison, Edmonton had roughly 3,000 to 4,000 available properties during much tighter periods in the previous couple of years. That means buyers now have considerably more selection. For sellers, that creates competition. For buyers, that creates opportunity. Months of Inventory Climbs to 3.88 Edmonton moved from roughly 3.3 months of inventory to approximately 3.88 months. That is a meaningful shift. For comparison, during some of the tighter periods in 2024, Edmonton was around 1.7 to 1.8 months of inventory. The market is now much more balanced. That does not mean every property is easy to negotiate. Real estate is still hyper-local. Different neighbourhoods, property types and price points can behave very differently. But overall, buyers have more leverage than they did during Edmonton's extremely tight market. August Was a Sleepier Month Calvin describes August as a slower month, which is not unusual. People are travelling. Families are preparing for school. Sellers sometimes allow listings to expire or temporarily remove properties from the market. Calvin expects activity to start increasing again around the second week of September. His prediction is that the market begins waking up around September 10. That combination can create an interesting opportunity for investors: More inventory. Some sellers becoming frustrated. Listings that have been sitting. And buyers beginning to return. Prices Were Mostly Slightly Lower According to Calvin, most major property categories declined approximately 1% from July into August. Townhouses were the exception, increasing by roughly 2%. Properties that are selling are averaging around 40 days on market. But citywide averages only tell part of the story. A townhouse in one neighbourhood can behave completely differently from an infill property or multifamily asset somewhere else. Not Every Property Has the Same Vacancy Rate The same principle applies to rental vacancy. A citywide vacancy number does not tell you exactly what is happening with your property. Calvin gives the example of newer west-end infill projects. While the broader Edmonton vacancy rate may be somewhere around 4% to 5%, certain concentrated property types could be experiencing vacancy closer to 10%. That is why investors need to drill down. What neighbourhood? What property type? What tenant profile? What rent? How much competing inventory? Wayne recommends talking directly with other landlords who own similar properties. Ask them: How long did it take to rent? How many inquiries did you receive? What rent did you achieve? That real-world information can sometimes tell you more than a citywide statistic. Wayne and Gabby Are Seeing Rental Pressure Too Gabby also provides an update on September rent collection. On the morning of September 1, only about 45% of their expected rent had been received. Normally, Gabby likes to see closer to 60% to 65% collected before the first because many tenants pay early. Ultimately, everything was collected. But there were a couple of tenants who needed an extra day or some clarification around credits. Wayne and Gabby believe affordability pressure is becoming more noticeable. Groceries are expensive. Fuel is expensive. Households are feeling stretched. At the same time, Edmonton has more rental supply than it did previously. That means landlords may occasionally need to be slightly more flexible while still maintaining strong systems and boundaries. More Rental Supply Does Not Mean Stop Buying This is an important distinction. Wayne is actively purchasing properties. REI Masters students are actively purchasing properties. And Wayne says some of the deals they are finding right now are among the best they have seen in approximately a decade. The rental market may require stronger management. But the acquisition market is creating opportunities. The answer is not necessarily to stop buying. The answer is to buy properly and manage properly. Strong cash flow gives you room to handle vacancies, slower leasing periods and occasional tenant payment issues without putting the investment at risk. Why Toronto and Vancouver Investors Changed Edmonton The conversation also touches on the wave of Ontario and British Columbia investors who entered Edmonton aggressively during the previous market cycle. Calvin says there was more resentment in 2024 when Edmonton buyers were regularly being beaten by aggressive out-of-province offers. Wayne shares a story about a Mill Woods property he wanted to flip. He submitted an aggressive offer over asking. Another investor from Toronto beat him by approximately $45,000 over asking with no conditions and without seeing the property. Wayne watched the deal afterward. The buyer eventually lost money. That is the difference between buying because you believe prices will keep increasing and buying based on fundamentals. Wayne and Gabby were also able to benefit indirectly from rising Edmonton values by refinancing properties they already owned and redeploying that capital later. Edmonton Investors Have More Choice Again The key takeaway from Calvin's September update is that Edmonton is no longer experiencing the same extreme shortage buyers faced during the tightest parts of the market. Inventory is higher. Months of inventory is higher. Sellers have more competition. Buyers can be more selective. For disciplined investors, that can create excellent buying opportunities. But investors still need to understand the specific neighbourhood, property type and tenant market they are buying into. REIcon – The Summit Series Wayne, Gabby and Calvin also discuss the upcoming REIcon Summit Series in Edmonton. September 11–13, 2026. The event is structured more like an investing workshop than a traditional conference. The goal is to walk investors through the process of completing a real estate deal from beginning to end. Topics include: Finding opportunities Determining what makes a good deal Negotiating Due diligence Financing Joint ventures Seller financing Residential investing Multifamily investing Raising capital Building the right professional team Wayne and Gabby will be presenting during the event. The Canadian Real Estate Investing Morning Show will broadcast live on stage on Saturday, September 12. Wayne will also be teaching due diligence alongside experienced Canadian real estate professionals, including his Edmonton real estate lawyer, Richard Bell. REIcon takes place September 11–13 in Edmonton. Use discount code: REIMASTERS15 for 15% off tickets. www.reiconference.ca About Calvin Hexter Calvin Hexter is an Edmonton investor-focused realtor and the founder of Calvin Realty. Calvin and his team work with real estate investors purchasing and selling residential, multifamily and investment properties throughout Edmonton. www.calvinrealty.ca REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, deal analysis, property management, joint ventures and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions for the show: info@reimorningshow.com Upcoming Events REIcon – The Summit Series Edmonton, Alberta September 11–13, 2026 www.reiconference.ca Discount code: REIMASTERS15 REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca
Markets are digesting shifting expectations for the Federal Reserve, stubbornly high interest rates, and continued uncertainty surrounding Iran. Doug and Greg discuss why government debt, not 5% interest rates, may be the bigger concern, how higher yields are changing the bond market, and why geopolitical tensions haven't derailed stocks. Plus, they look at what prediction markets are saying about the upcoming midterm elections, explain why politics shouldn't dictate your long-term investment strategy, and the good news behind interest rates. Key Takeaways 00:02 — The markets react to the Fed 03:00 — Government spending & the cost of debt 05:05 — Are 5% interest rates really that high? 08:10 — Households are in better shape than governments 09:30 — Iran's impact on rates, oil, & inflation 15:43 — What prediction markets say about the midterms 19:26 — Why politics shouldn't change your portfolio 20:36 — The good news about 5% bond yields View Transcript Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.
Households are facing fresh financial pressures, with oil, food and electricity costs continuing to rise, while mortgage-holders are also watching closely as another European Central Bank interest-rate increase is expected. The ongoing conflict involving the US and Iran and disruption around the Strait of Hormuz are adding further uncertainty, with concerns that higher energy prices could feed into inflation and make the coming winter particularly difficult for families. So, what can households do to protect themselves, and can the Government realistically do enough in October's Budget to ease the pressure? Joining Alan Morrissey to discuss all of this was Ennis native and UCD Assistant Professor of Social Policy, Micheál Collins. Image (c) Karola G from Pexels via Canva
Every household in the country is set to receive an emergency preparedness booklet in the post as the Government launches a fresh push to help families prepare for an emergency. Storms, blackouts, flooding and water outages are among the emergencies Irish households are being urged to prepare for as a major new nationwide campaign gets underway.This comes after yesterday's heavy downpours led to the closure of all main roads into Co Kerry town while Dublin city recorded up to 28mm of rain in a single hour…Joining Ciara to discuss is Micheal Healy Rae, and Malcolm Noone, Senator and Green Party Spokesperson for Agriculture, Food, the Marine, Heritage and Nature.
America needs more power. Data centers are accelerating demand, utilities are planning billions of dollars in new infrastructure, and households will ultimately help pay for much of it.But what if we invested some of that money in the households themselves?Ari Matusiak, co-founder and CEO of Rewiring America, makes the case that homes can become a meaningful part of America's energy infrastructure—and that households should be compensated for the value they provide to the grid.In this wide-ranging conversation, Ari and Nico explore the rise of Homegrown Energy, why the old equilibrium between utilities and customers is breaking down, how hyperscalers could help fund household energy upgrades, and where regulators and utilities are already testing what's possible.They also get into the harder question underneath all of it: who gets to participate in the value created as we build out the grid?For Ari, the opportunity is bigger than electrification. If households can provide real value to the grid, the question becomes whether we continue treating them primarily as customers, or start investing in them as part of the solution.That could create a very different deal: more capacity for a power-hungry economy, more flexibility for the grid, and tangible value flowing back to the households helping make it possible.Are there other technologies you've scouted on the frontlines of the Clean Energy Revolution that you think we should be covering here on SunCast?Hit us up - team@suncast.me with your feedback & recommendations.If you want to connect with today's guest, you'll find links to their contact info in the show notes on the blog at https://suncast.media/episodes/.Our Platinum Presenting Sponsor for SunCast is CPS America!You can learn more about all the sponsors who help make this show free for you at www.suncast.media/sponsors.Remember, you can always find resources, learn more about today's guest and explore recommendations, book links, and more than 950 other founder stories and startup advice at www.suncast.media.We'd love if you'd leave us a 5 ⭐ rating & review and it's never been easier: https://www.ratethispodcast.com/suncastSubscribe to Valence, our weekly LinkedIn Newsletter, and learn the elements of compelling storytelling: https://www.linkedin.com/newsletters/valence-content-that-connects-7145928995363049472/You can connect with me, Nico Johnson, on:Twitter - https://www.twitter.com/nicomeoLinkedIn - https://www.linkedin.com/in/nickalus(00:00) The Fastest Path to Power(00:12) Meet Ari Matusiak, Rewiring America's Founder(03:17) The Thread Behind a Career of Big Problems(09:42) Winning an Affordable Housing Bond in Rhode Island(22:47) Rewiring America and the 42% Emissions Insight(27:06) Reframing Households as Energy Infrastructure(29:57) Why the Grid's Political Economy Just Shifted(41:13) Energy Value vs. Community Benefit Payouts(42:30) Building the Missing Middle Market(48:47) The Slow Start of Homegrown Energy(55:31) Data Centers, Grid Distortion, and Homeowners(1:00:25) Illinois as the First Domino(1:05:23) Answering the Subsidy Critique(1:15:13) Dignity, Shared Winning, and What's Hardest
Sarah Moberg from Second Harvest joins Jason DeRusha LIVE at the WCCO Radio Booth at the Minnesota State Fair. Sarah and Jason discuss the increased need for food within our community. Going back to school is great for the kids but those grocery store expenses aren't getting any cheaper.
Data today reinforces our view of more cash rate hikes are in the wind in Australia, as household spending data suggests households are just fine. Today we look at the data, highlight some issues with the interpretation, and consider that case for more hikes, adding to the pressure on some households. My base case is … Continue reading "Are Households Really Splashing The Cash?"
American households are feeling the squeeze as inflation continues to push up the cost of everyday life. New personal consumption expenditures data shows income is finally growing faster than spending, but consumers are still spending more than their inflation-adjusted incomes and drawing down savings to keep up. In this episode of Everyday Economics, Chris Krug and PhD economist Orphée break down what the latest economic data means for American families — from healthcare and groceries to housing, interest rates and big-ticket purchases. They also examine how government spending, energy costs, tariffs and higher interest rates are affecting consumers, why housing demand is weakening, and what could happen to the economy heading into the fall and next year. In this episode: • Inflation and the rising cost of living • Americans drawing down savings • Household income vs. spending • Housing demand and mortgage-sensitive spending • Government spending and interest rates • Energy and transportation costs • Tariffs and their potential economic impact • AI investment and economic growth • What consumers can do in a slowing economy Subscribe to The Center Square for more reporting and analysis on the economy, government spending and the issues affecting American taxpayers. #Inflation #Economy #Economics #CostOfLiving #Housing #GovernmentSpending #EverydayEconomics Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
The Irish Fiscal Advisory Council have made their pre-budget submission. They feel the Government's proposed budgetary package will drive inflation and increase costs for households and firms.The council also warned that current plans would increase reliance on corporation tax receipts, which it considers risky. It also feels more of the corporation tax windfall should be put into the State's rainy-day funds.For more on this, host Cliff Taylor is joined in studio by Niall Conroy, Ifac's acting chief economist.Plus, Irish Times Economics Correspondent Eoin Burke-Kennedy on the key takeaways from the latest Daft.ie report which shows Dublin rental availability falling by 18% year-on-year to fewer than 1,150 homes. But the spike in market rents in the first quarter of this year after the introduction of new rental rules seems to have eased considerably. The report shows what rent inflation like outside Dublin, and how finding accommodation is becoming extremely difficult for third level students.Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.
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More and more households across Arizona are having trouble paying their utility bills — and it comes as demand for energy is also going up. Plus, sorority hopefuls are hiring coaches to help them get into the best houses.
The bad news keeps coming for households in the mortgage and rental sectors across the country. So today we pick apart the latest analysis, and also cover the latest auction clearance results from the weekend. Truth is first time buyers, property investors and others are on the sidelines, as the pressure builds. And join us … Continue reading "More Households Ride The Pain Train!"
The latest figures from the Commission for Regulation of Utilities make for stark reading. More than 328,000 households are behind on their electricity bills, with almost 189,000 in gas arrears. Hundreds of households are also being disconnected for failing to pay. With energy prices remaining high and further increases on the way, what should Government be doing when the Dáil returns from its summer break? Joining Alan Morrissey earlier to discuss the growing pressure on families were Shannon Sinn Féin TD Donna McGettigan, and Fianna Fáil TD Cathal Crowe / Fine Gael TD Joe Cooney. Photo (c) AndreyPopov from Getty Images via Canva
We discuss the RBA decision yesterday and consider the implications for households who are facing higher inflation and rents, higher mortgage rates, and poor productivity. Banks are calling deeper property price falls ahead and falling mortgage application volumes while the RBA attributes migration and big IT AI investments as elements propping up the economy. Its … Continue reading "Households Are Going To Stay On The “Pain Train” For Some Time Yet…."
Hello everyone; in this episode we talk women's bodies and all the fun that comes along with aging. Yes we may have covered this before but who doesn't like talking about real life- we do! Also, lets be honest my memory isn't what it used to be so who knows what I have said already. I hope you take a listen and have a laugh because someone out there can relate to us!
Join us as Pastor Tim Powell brings us today's message. To learn more about NLC Greenbrier- TEXT "Greenbrier" TO: 88000 to connect with us!
This week on Inside the Economy, we explore consumer spending, interest rates, world markets, and where oil stands today. Recent data shows consumer spending continues to be elevated while wage increases are slowing, with wage earners feeling the pressure. Households earning $125,000 or less are beginning to experience greater financial strain, but is this a temporary squeeze or could it be the start of a broader shift in consumer behavior? Homes currently on the market are taking longer to sell, and prices have come down somewhat. Would another increase in interest rates push prices down even further, and would that be a good thing for the overall health of the real estate market? Foreign holdings of U.S. financial assets have changed over time. In 2010, foreign investors held 33 percent of U.S. equities. What is that share in 2026? U.S. imports from Asia have risen significantly, but that growth is increasingly coming from countries other than China, while imports from China have declined to their lowest level in years. Which other countries are exporting more to the U.S., and what might the future hold for the trade relationship between the U.S. and China? Tune in to learn more. Key Takeaways: • 30-year Mortgage at 6.66% • S&P 500 Net Profit Margin expected to be 15.7% in Q2 2026 • U.S. GDP growth rate at 1.5% in Q1
On episode 475, Michael Batnick and Ben Carlson discuss: a good sign for the bull market, semoconductor stocks crashing, why valuations keep falling, everyone is bearish about bonds, South Korea traders, how big SpaceX could get, why people keep spending money, Netflix is still dominating streaming, why there aren't more IMAX theaters and more. This episode is sponsored by YCharts and Calamos. To learn more and get 20% off your initial YCharts Professional subscription to take Y for a spin (new customers only), visit https://go.ycharts.com/animal-spirits To learn more about CAIE, visit https://www.calamos.com/funds/etf/calamos-autocallable-income-caie Sign up for The Compound newsletter and never miss out: thecompoundnews.com/subscribe Follow Us: Instagram: instagram.com/thecompoundnews X: twitter.com/thecompoundnews LinkedIn: linkedin.com/company/the-compound-media/ TikTok: tiktok.com/@thecompoundnews Find complete show notes on our blogs: Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Feel free to shoot us an email at animalspirits@thecompoundnews.com with any feedback, questions, recommendations, or ideas for future topics of conversation. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Truth Be Told with Booker Scott – New York families face rising energy bills, housing costs, and government spending that pushes opportunity out of reach. James Corell argues for reliable nuclear power, practical homeownership incentives, fiscal discipline, and leadership that protects taxpayers while restoring affordability, stability, and hope for young residents across the state and future generations...
0:00 Intro 0:03 Todays question 0:12 Homeless 1:17 Hamptons house 1:53 Drugs 3:51 Property management 4:28 Fines 5:13 Penthouse 5:26 Yacht 6:41 Landscaping 7:33 Cleaning 8:35 Flying 9:59 Art handler 10:29 Cars 10:50 Painting 11:15 Watch 11:32 Allowance Learn more about your ad choices. Visit megaphone.fm/adchoices