difference

Contributor: Left and right have united in favor of puerile, violent rhetoric

In recent weeks, American politics have stopped resembling a democracy and started looking more like a Manson family group chat, with a flag emoji right next to the “pile of poo” emoji in our bio.

First it was the Young Republicans (you know, the nerds who used to wear ill-fitting sports jackets and drone on about budgets) who were caught on Telegram saying things such as “I love Hitler,” calling Black people “watermelon people,” and joking about gas chambers and rape. Hilarious, right?

Then came Paul Ingrassia, Trump’s now-aborted nominee to head the Office of Special Counsel, who texted that he has “a Nazi streak” and that Martin Luther King Jr. Day belongs in “the seventh circle of hell.

But the moral rot isn’t exclusive to Republicans. Not to be outdone, Democrat Jay Jones (who is currently running for attorney general in Virginia) was caught with texts from 2022 saying another Virginia lawmaker should get “two bullets to the head,” and that he wished the man’s children would “die in their mother’s arms.”

Charming.

Meanwhile, in Maine’s race for the U.S. Senate, old posts on Reddit reveal that Democrat Graham Platner — oysterman, veteran and self-described communist — said that if people “expect to fight fascism without a good semi-automatic rifle, they ought to do some reading of history.”

Did I mention that he called police officers “bastards,” broadly criticized rural white folks and had a tattoo on his chest that resembled Nazi imagery?

What we are witnessing is a trend: Bipartisan moral collapse. Finally, something the two parties can agree on!

Keep in mind, these are not randos typing away in their parents’ basements. These are ambitious young politicos. Candidates. Operatives. The ones who are supposed to know better.

So what’s going on? I have a few theories.

One: Nothing has really changed. Political insiders have always done and said stupid, racist and cruel things — the difference is that privacy doesn’t exist anymore. Every joke is public, and every opinion is archived.

It might be hard for older generations to understand, but this theory says these people are merely guilty of using the kind of dark-web humor that’s supposed to stay on, well, the dark web. What happened to them is the equivalent of thinking you’re with friends at a karaoke bar, when you’re actually on C-SPAN.

For those of us trying to discern the difference, the problem is that the line between joking and confession has gotten so blurry that we can’t tell who’s trolling and who’s armed.

Two: Blame Trump. He destroyed norms and mainstreamed vulgarity and violent rhetoric. And since he’s been the dominant political force for a decade, it’s only logical that his style would trickle down and corrupt a whole generation of politically engaged Americans (Republicans who want to be like him and Democrats who want to fight fire with fire).

Three (and this is the scary one): Maybe the culture really has changed, and these violent and racist comments are revelatory of changing hearts and worldviews. Maybe younger generations have radicalized, and violence is increasingly viewed as a necessary tool for political change. Maybe their words are sincere.

Indeed, several recent surveys have demonstrated that members of Gen Z are more open to the use of political violence than previous generations.

According to a survey conducted by the group FIRE, only 1 in 3 college students now say it is unacceptable to use violence to stop a speaker. And according to the 2025 Edelman Trust Barometer, “53 percent of those aged 18-34 – approve of one or more forms of hostile activism to bring about change.” This includes “threatening or committing violence, and damaging public or private property.”

Of course, it’s possible (and probably likely) that some combination of these theories has conspired to create this trend. And it comes on the heels of other trends, too, including the loss of trust in institutions that began somewhere around the Nixon administration and never reversed.

Put it all together, and we’ve arrived at a point where we don’t believe in democracy, we don’t believe in leaders, and we barely believe in each other. And once you lose trust, all that’s left is anger, memes and a primal will to power.

Worse, we’ve become numb. Every new scandal shocks us for approximately 15 minutes. Then we scroll to another cat video and get used to it.

Remember the Charlie Kirk assassination? You know, the gruesome murder that freaked us all out and led to a national discussion about political violence and violent rhetoric? Yeah, that was just last month. Feels like it was back in the Eisenhower administration.

We’re basically frogs in a pot of boiling political sewage. And the scariest part? We’re starting to call it room temperature.

Matt K. Lewis is the author of “Filthy Rich Politicians” and “Too Dumb to Fail.”

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The Real Difference Between a 680 and a 740 Credit Score (and What It’ll Cost You)

Most people know that a higher credit score is better — but how much better? What does it really cost to fall just one tier below?

The average credit score in 2025 is 715, according to Motley Fool Money research. Yours might be above that, or below. And while a few points here or there may not change how lenders treat you, once the gap widens, the financial impact gets real. Especially when you’re moving between major credit tiers.

For example, a credit score of 680 sits at the lower end of the “good” range, while 740 breaks into “very good” territory. Both of these scores aren’t too far from the national average, but they unlock very different rates, terms, and perks.

1. Mortgage rates: A small score gap can cost tens of thousands

Let’s start with the biggest loan most people ever take on: a mortgage.

Suppose you’re applying for a $400,000, 30-year fixed mortgage. Here’s how your credit score might affect the interest rate you’re offered:

Credit Score

APR

Est. Monthly Payment

Total Interest Over 30 Years

680

7.00%

$2,661

$558,036

740

6.25%

$2,463

$486,633

Data source: Author’s calculations.

Total difference: over $71,000

To be fair, a lot can change over a 30-year mortgage. If your credit score improves down the road, you may be able to refinance into a lower rate and save money over time. But this example shows just how much a lower score can impact your finances right now — especially if you’re locking in a loan with today’s rates. Even a small bump in your score before applying could lead to serious savings.

2. Auto loans: Higher monthly payments, even on smaller balances

Auto lenders are also score-sensitive. According to MyFICO, here’s the rate difference you could expect with different credit scores, based on a 60-month new car loan:

  • 680 score (prime): ~9.963%
  • 740 score (prime): ~6.695%

On a $35,000 car loan, that difference could cost you an extra $55 per month, and over $3,300 extra in interest over the life of the loan.

Even though both of these scores fall into the “prime” range for FICO® Scores, there’s quite a big difference in the rates that are offered.

3. Insurance premiums: A hidden cost many don’t realize

In many states, your credit score plays a role in how much you pay for car and home insurance. It doesn’t show up as an interest rate — just a higher premium.

According to Motley Fool Money research, drivers with poor credit often pay more than double what those with excellent credit are charged. Even a modest difference, like $50 more per month, can add up to over $6,000 in extra premiums over a decade.

Got good credit? You may qualify for better rates. See our top insurance carriers for people with strong credit scores.

4. Credit cards: Missed rewards and higher APRs

Most of the best credit cards (including travel cards, 0% intro APR cards, and big cash back cards) prefer applicants with higher credit scores.

That doesn’t mean you’ll be approved or denied strictly on your score (I’ve been denied for some cards even with an 800+ score). But when your score is lower your approval odds typically drop.

That also means missing out on premium rewards rates, long 0% intro APRs, or welcome bonuses worth $750 or more. These can be incredibly valuable perks. But you need the credit score to unlock them.

Raising your score is worth it

Here’s the bright side: moving from a 680 to a 740 (or higher) isn’t some impossible leap.

Many people can see a 40- to 60-point boost within a year or two by practicing good credit habits. Here are a few that make a huge difference:

  • Paying down credit card balances (lowering your utilization)
  • Setting autopay to never miss a due date
  • Not opening or closing too many accounts at once (and keeping your oldest cards open to improve history length)
  • Asking for a credit limit increases on existing cards slowly over time

By far the biggest factor is making sure your bills are paid on time, every time.

Even small tweaks can have a big payoff. The difference between “good” and “very good” credit could be tens of thousands of dollars over your lifetime.

Want to put your credit score to work? Check out our favorite credit cards for good-to-excellent credit — including top rewards cards and 0% intro APR offers.

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Will resolution on Gaza by genocide scholars make a difference? | Israel-Palestine conflict News

The International Association of Genocide Scholars says Israel is committing genocide.

Israel has engaged in systematic crimes against humanity, war crimes and genocide in Gaza, according to a resolution by members of the International Association of Genocide Scholars.

The group says there is clear intent to expel Palestinians from the Gaza Strip – by bombardment, starvation and forced displacement.

The assessment comes months after the International Criminal Court issued arrest warrants for Israeli Prime Minister Benjamin Netanyahu and his former Defence Minister Yoav Gallant on charges of war crimes.

And there’s a case at the International Court of Justice, accusing Israel of genocide.

So what tangible results can come from this new accusation?

Presenter:

James Bays

Guests:

Andrew Gilmour – Former United Nations assistant secretary-general for human rights

Ori Goldberg – Political analyst specialising in the Middle East

Jonathan Kuttab – Palestinian human rights lawyer

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