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California backs down on AI laws so more tech leaders don’t flee the state

California’s tech companies, the epicenter of the state’s economy, sent politicians a loud message this year: Back down from restrictive artificial intelligence regulation or they’ll leave.

The tactic appeared to have worked, activists said, because some politicians weakened or scrapped guardrails to mitigate AI’s biggest risks.

California Gov. Gavin Newsom rejected a bill aimed at making companion chatbots safer for children after the tech industry fought it. In his veto message, the governor raised concerns about placing broad limits on AI, which has sparked a massive investment spree and created new billionaires overnight around the San Francisco Bay Area.

Assembly Bill 1064 would have barred companion chatbot operators from making these AI systems available to minors unless the chatbots weren’t “foreseeably capable” of certain conduct, including encouraging a child to engage in self-harm. Newsom said he supported the goal, but feared it would unintentionally bar minors from using AI tools and learning how to use technology safely.

“We cannot prepare our youth for a future where AI is ubiquitous by preventing their use of these tools altogether,” he wrote in his veto message.

The bill’s veto was a blow to child safety advocates who had pushed it through the state Legislature and a win for tech industry groups that fought it. In social media ads, groups such as TechNet had urged the public to tell the governor to veto the bill because it would harm innovation and lead to students falling behind in school.

Organizations trying to rein in the world’s largest tech companies as they advance the powerful technology say the tech industry has become more empowered at the national and state levels.

Meta, Google, OpenAI, Apple and other major tech companies have strengthened their relationships with the Trump administration. Companies are funding new organizations and political action committees to push back against state AI policy while pouring money into lobbying.

In Sacramento, AI companies have lobbied behind the scenes for more freedom. California’s massive pool of engineering talent, tech investors and companies make it an attractive place for the tech industry, but companies are letting policymakers know that other states are also interested in attracting those investments and jobs. Big Tech is particularly sensitive to regulations in the Golden State because so many companies are headquartered there and must abide by its rules.

“We believe California can strike a better balance between protecting consumers and enabling responsible technological growth,” Robert Boykin, TechNet’s executive director for California and the Southwest, said in a statement.

Common Sense Media founder and Chief Executive Jim Steyer said tech lobbyists put tremendous pressure on Newsom to veto AB 1064. Common Sense Media, a nonprofit that rates and reviews technology and entertainment for families, sponsored the bill.

“They threaten to hurt the economy of California,” he said. “That’s the basic message from the tech companies.”

Advertising is among the tactics tech companies with deep pockets use to convince politicians to kill or weaken legislation. Even if the governor signs a bill, companies have at times sued to block new laws from taking effect.

“If you’re really trying to do something bold with tech policy, you have to jump over a lot of hurdles,” said David Evan Harris, senior policy advisor at the California Initiative for Technology and Democracy, which supported AB 1064. The group focuses on finding state-level solutions to threats that AI, disinformation and emerging technologies pose to democracy.

Tech companies have threatened to move their headquarters and jobs to other states or countries, a risk looming over politicians and regulators.

The California Chamber of Commerce, a broad-based business advocacy group that includes tech giants, launched a campaign this year that warned over-regulation could stifle innovation and hinder California.

“Making competition harder could cause California companies to expand elsewhere, costing the state’s economy billions,” the group said on its website.

From January to September, the California Chamber of Commerce spent $11.48 million lobbying California lawmakers and regulators on a variety of bills, filings to the California secretary of state show. During that period, Meta spent $4.13 million. A lobbying disclosure report shows that Meta paid the California Chamber of Commerce $3.1 million, making up the bulk of their spending. Google, which also paid TechNet and the California Chamber of Commerce, spent $2.39 million.

Amazon, Uber, DoorDash and other tech companies spent more than $1 million each. TechNet spent around $800,000.

The threat that California companies could move away has caught the attention of some politicians.

California Atty. Gen. Rob Bonta, who has investigated tech companies over child safety concerns, indicated that despite initial concern, his office wouldn’t oppose ChatGPT maker OpenAI’s restructuring plans. The new structure gives OpenAI’s nonprofit parent a stake in its for-profit public benefit corporation and clears the way for OpenAI to list its shares.

Bonta blessed the restructuring partly because of OpenAI’s pledge to stay in the state.

“Safety will be prioritized, as well as a commitment that OpenAI will remain right here in California,” he said in a statement last week. The AG’s office, which supervises charitable trusts and ensures these assets are used for public benefit, had been investigating OpenAI’s restructuring plan over the last year and a half.

OpenAI Chief Executive Sam Altman said he’s glad to stay in California.

“California is my home, and I love it here, and when I talked to Attorney General Bonta two weeks ago I made clear that we were not going to do what those other companies do and threaten to leave if sued,” he posted on X.

Critics — which included some tech leaders such as Elon Musk, Meta and former OpenAI executives as well as nonprofits and foundations — have raised concerns about OpenAI’s restructuring plan. Some warned it would allow startups to exploit charitable tax exemptions and let OpenAI prioritize financial gain over public good.

Lawmakers and advocacy groups say it’s been a mixed year for tech regulation. The governor signed Assembly Bill 56, which requires platforms to display labels for minors that warn about social media’s mental health harms. Another piece of signed legislation, Senate Bill 53, aims to make AI developers more transparent about safety risks and offers more whistleblower protections.

The governor also signed a bill that requires chatbot operators to have procedures to prevent the production of suicide or self-harm content. But advocacy groups, including Common Sense Media, removed their support for Senate Bill 243 because they said the tech industry pushed for changes that weakened its protections.

Newsom vetoed other legislation that the tech industry opposed, including Senate Bill 7, which requires employers to notify workers before deploying an “automated decision system” in hiring, promotions and other employment decisions.

Called the “No Robo Bosses Act,” the legislation didn’t clear the governor, who thought it was too broad.

“A lot of nuance was demonstrated in the lawmaking process about the balance between ensuring meaningful protections while also encouraging innovation,” said Julia Powles, a professor and executive director of the UCLA Institute for Technology, Law & Policy.

The battle over AI safety is far from over. Assemblymember Rebecca Bauer-Kahan (D-Orinda), who co-wrote AB 1064, said she plans to revive the legislation.

Child safety is an issue that both Democrats and Republicans are examining after parents sued AI companies such as OpenAI and Character.AI for allegedly contributing to their children’s suicides.

“The harm that these chatbots are causing feels so fast and furious, public and real that I thought we would have a different outcome,” Bauer-Kahan said. “It’s always fascinating to me when the outcome of policy feels to be disconnected from what I believe the public wants.”

Steyer from Common Sense Media said a new ballot initiative includes the AI safety protections that Newsom vetoed.

“That was a setback, but not an overall defeat,” he said about the veto of AB 1064. “This is a David and Goliath situation, and we are David.”

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Flight attendant says ‘don’t tell’ as she exposes their secret language

An easyJet flight attendant has revealed the ‘secret language’ that cabin crew use to communicate with each other while on board a flight

An easyJet flight attendant has spilled the beans on the covert language they use to communicate while onboard. An anonymous member of the budget airline’s cabin crew popped up on their Instagram feed to spill the secrets.

She clarified that, due to the sheer number of passengers on a plane and the length of an aircraft’s fuselage, cabin crew can’t always communicate verbally with each other. This means they have devised a ‘secret language’ for communication.

Interestingly, it is not a spoken language, but more akin to sign language, with various gestures signifying different things. She revealed: “While I’m here on my own I’ll let you into a little secret.

Content cannot be displayed without consent

“As cabin crew you may be aware but we do have a secret language on board, a way of communicating to each other when we want food items and with over 200 passengers on board the plane is very long so you may have noticed that if you would like a ham and cheese sandwich we do a croque monsieur, a chicken wrap, and a calzone pizza but don’t tell anyone I told you.”

Whilst mentioning the croque monsieur, she mimicked a crocodile with her hand. For the chicken wrap, she extended an arm out like a chicken wing before rolling her hands together to signify a wrap. Lastly, for the calzone, she placed the heel of her hands together before bringing her palms and fingers together, presumably to illustrate the folding together of a calzone.

READ MORE: BBC Antiques Roadshow vase valued at £2k sells for £165KREAD MORE: Sole Air India crash survivor describes survival in deadly disaster as ‘miracle’

People in the comments section were impressed, with one saying: “Absolutely iconic!”

“We were just talking about this after our flight last month,” said another, while one person said: “I saw a crew member do this to another crew member, I realised it was internal sign language!”

“I often watch the crew doing this trying to work out what they’re on about lol,” one person said. Another said: “Ha ha my Mrs worked a few out on our flight back to MAN from AGP last week.”

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A Republican voter data firm probably exposed your personal information for days — and you don’t have much recourse

To any nefarious hackers looking for information that could be used to sway elections or steal Americans’ identities, the file compiled by a GOP data firm called Deep Root Analytics offered all manner of possibilities.

There in one place was detailed personal information about almost every voter in the U.S. It was a collection of some 9.5 billion data points that helped the firm assess not only how those Americans would probably vote, but their projected political preferences. In some cases, the data collectors had scoured people’s histories on Reddit, the social media platform, to match vote history with social media use, and well-informed predictions were made about where each voter would stand on issues as personal as abortion and stem cell research.

It’s the kind of sensitive information that, if a bank or a big-box retailer or almost any other corporation had failed to protect it, would have triggered major trouble with regulators. But there it sat on the Internet, without so much as a password to guard it, for 12 days.

Luckily for the Republican Party and Deep Root, an Arlington, Va.-based firm that handles data management and analysis for the party, it was a cybersecurity consultant who came across the treasure-trove of political data this month, not a foreign agent. There is no indication that the database had been tapped by any other unauthorized parties while it was unprotected.

But the exposure of the data, which some are describing as the largest leak of voter information in history, is a jolting reminder of how deeply the political parties are probing into the lives of voters and how vulnerable the information they are compiling is to theft.

The Deep Root incident is the latest in a series of such problems with political data, the most infamous being the case of the Russian hack of the Democratic National Committee. As cybersecurity experts sound an increasingly loud alarm about the potential consequences, the lapses keep happening — often with nobody held accountable for them.

“This is a catalog of human lives, with intrinsic details,” said Mike Baukes, chief executive of UpGuard, the Mountain View, Calif., firm that came across the file during a routine scan of cloud systems.

“Every voter in America is potentially in there. The scale of it is just staggering, and the fact that it was left wide open is wholly irresponsible.…This is happening all the time. We are continually finding these things. It is just staggering.”

Privacy experts were skeptical that political operatives will change their ways following the latest incident.

“The state of security for massive data sets is so incredibly poor despite a daily drumbeat of data breached,” said Timothy Sparapani, a former director of public policy for Facebook who is now a data privacy consultant at the firm SPQR Strategies, based in Washington. “It is shocking. It is embarrassing. People ought to lose their jobs.”

Sparapani said if the culprit had been a private firm, it would be subjected to punitive actions by attorneys general, consumer lawsuits and big fines from regulators. But political operations face no such repercussions.

“As a voter, you are left with almost no recourse because our laws have not caught up to the massive computing power which is readily available to gather enormous data sets and make them searchable at the click of a button,” he said. “The breadth and depth of data collection by these companies is not well understood. If it were, I think the average voter would be frightened.”

UpGuard was able to access the file merely by guessing a Web address. It alerted Deep Root as well as federal authorities.

Deep Root apologized in a statement, but also suggested the incident had been overblown.

The data file “is our proprietary analysis to help inform local-television ad buying,” the statement said. It noted that much of the voter information the analysis is built on is “readily provided by state government offices.” The firm said it has put security procedures in place to prevent future leaks.

Other digital strategists warned, however, that the failure to protect such detailed information not only raised major privacy and security concerns, but also may have tipped off political adversaries to the inner workings of the Republican Party’s closely guarded digital strategy.

The GOP contracted with Deep Root during the presidential campaign. The firm’s co-founder, Alex Lundry, led the data efforts of GOP nominee Mitt Romney in 2012 and then worked for the unsuccessful presidential campaign of former Florida Gov. Jeb Bush last year.

GOP officials said the data belonging to the party that was exposed was limited to very basic information about voters, such as their party registration. They said none of the GOP’s sensitive strategic data was exposed. The party has suspended work with the firm pending an investigation by Deep Root into security procedures.

The failure by Deep Root to protect its massive database was particularly troubling to some advocates at a time when Congress is investigating how Russia exploited data vulnerabilities to meddle in last year’s presidential election.

“This is data used for opinion manipulation,” said Marc Rotenberg, executive director of the nonprofit research group Electronic Privacy Information Center, based in Washington. “It needs to be regulated. And there needs to be consequence for breaches. We have a major problem in this country with data security, and it’s getting worse.” The foundation wants Congress to hold hearings on political data security.

But holding political parties and contractors accountable for their data practices has proven tricky. David Berger, an attorney with the Bay Area-based firm Girard Gibbs who has represented consumers affected by data breaches at Anthem and Home Depot, said part of the problem is voters are not demanding changes loudly enough.

When a retail company fails to protect the privacy of its customers, Berger said, the company suffers and lawmakers hear about it from the victims.

“When people see Deep Root, they are not going to necessarily associate that with the [Republican Party] or anything else,” he said. “If your average American knew the amounts of data and profiling that is already put together by these companies about every single one of us, people would be very concerned. But there’s no face here, and they try to keep quiet.”

Halper reported from Washington and Dave from Los Angeles.

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‘You don’t have to hurtle down slopes or dance like crazy at après parties’: readers’ favourite winter mountain holidays in Europe | Winter sports holidays

Why Innsbruck makes the perfect winter base

Innsbruck offers lots of options for a winter holiday. I found it’s a place where you don’t have to hurtle down ski slopes or dance like crazy at après-ski parties. In fact I was amazed when I took the 20-minute cable car from the city centre up 2,000 metres to an area where locals were sitting in deckchairs on the snow reading books and sipping hot chocolate in the strong Tirolean sunshine. You can ski to your heart’s content on slopes just half an hour from the famous Imperial Palace in the city centre. The city authorities provide some guided free walks and winter activities, including a cross-country skiing taster if you have a Welcome Card provided by your hotel. Then again, you can just sit and sample strong Austrian coffee or Gerschtnsuppe (soup with barley, smoked meat and vegetables) at riverside cafes and pubs.
Gina

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Readers’ tips: send a tip for a chance to win a £200 voucher for a Coolstays break

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Guardian Travel readers’ tips

Every week we ask our readers for recommendations from their travels. A selection of tips will be featured online and may appear in print. To enter the latest competition visit the readers’ tips homepage

Thank you for your feedback.

Ski and hit the beach in one day in Andalucía

Spain’s Sierra Nevada is Europe’s most southerly ski resort. Photograph: Ingram Publishing/Alamy

The Sierra Nevada range is just 17 miles south of Granada in Andalucía, making the beautiful city a viable place to stay if visiting these high mountains. For skiers the resort village of Pradollano is at 2,100 metres, from which cable cars and chairlifts reach up close to the 3,000-metre summits. It’s a fantastic ski resort, Europe’s most southerly, but is still very much under most people’s radar. There are 112km of pistes and 134 slopes, most of which are well above 2,000 metres so snow is fairly reliable. This year it’s opening on 29 November with ski passes from €38. It’s little more than an hour’s drive to Motril and the Mediterranean. You really can ski in the morning and go to the beach in the afternoon.
Stephen McCann

Peaks of the Balkans, Albania and Montenegro

Hrid lake in Montenegro. Photograph: Mikhail Kokhanchikov/Alamy

Last year I enjoyed a brilliant winter trip in the Albanian Alps and in Montenegro. Highlights included the walk to and from the spectacular Grunas waterfall in Theth national park in Albania, and the hike to 1,970-metre Hrid lake in Montenegro’s Prokletije national park. We skied and walked a section of the 120-mile Peaks of the Balkans trail and spent some time in the lively town of Plav, which included a folk song and karaoke night with some locals where I taught one group a version of Last Christmas to great applause.
Nick

The Alps in infrared, Austria

Furx is a great base for walks. Photograph: Ingeborg Kuhn/Alamy

We stayed at the lodge Jagdhaus (€220 a night, sleeps up to 6) at Furx in western Austria. This wonderful place has a sauna, an infrared chamber and an external hot tub from which to enjoy special views towards the Alps. There are any amount of scenic walks on your doorstep and, 100 metres below, there is the Peterhof restaurant with remarkably low prices for such a high standard of cuisine.
Kevin Hill

Twinkling lights in Poland’s Tatra mountains

Zakopane in winter. Photograph: Jacek Nowak/Alamy

I first discovered the Tatra mountains on a day trip from Kraków some years ago and returned for a mountain break last February, staying in Zakopane, which is a great base for skiers and anyone who enjoys winter mountain activities. It’s affordable (my chalet for a week was just €400) and has lovely traditional wooden and stone houses, cafes and cheap restaurants serving tasty Polish stews and filled pierogis, which kept us warm throughout. We hired snow shoes to explore the foothills by day and at dusk the twinkling lights of the mountain villages came on, adding to the wonderful scene of lakes, mountains and forests. We also enjoyed sleigh rides and husky-driven carriages through the silent forests to magical ice mazes.
Yasmin

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The amazing light of Eryri, north Wales

Llyn Padarn. Photograph: CW Images/Alamy

Our favourite winter break is at Llanberis in Eryri national park (Snowdonia). It’s peaceful, dramatic, and full of charm without Alpine crowds. We love the cozy log fires, hikes up the mountain passing waterfalls and the choice of yurts and eco-lodges to stay in. It’s particularly stunning in cold weather when kissed with snow or frost. The amazing light on the Llyn Padarn recreates a mirror in a breathtaking landscape dominated by Yr Wyddfa (Snowdon). A special treat is the authentic Welsh community of makers and local craftspeople. Music, food and friendliness make this a more delightful experience than going abroad.
David Innes-Wilkin

Adrenaline-fuelled days in Austria

A ski lift in Kreischberg. Photograph: Noah Wagner/Alamy

Kreischberg in the state of Styria is a medium-sized resort with log cabins and a James Bond-style restaurant in which to dine in style. We stayed at the base of the mountain in the Ferienpark cabins; each with log burners to cosy up beside. When it comes to skiing, take the long telecabin up the Kreischberg and explore blues, reds and blacks. For the best slopes head to Rosenkranzhöhe, where there are sweeping reds and blacks with expansive views over the Alps. After an adrenaline-fuelled morning, and for the best restaurant views, head to the Eagle, styled like a Bond villain’s lair.
Mark

Winning tip: Ice age roots in Sweden

Absolute silence and tranquillity can be found in Sonfjället says our tipster, Lars. Photograph: Pontus Schroder/Shutterstock

There are mountain areas in Sweden where some of the oldest living things in Europe survive. When the ice retreated from Scandinavia 9,000 years ago, various isolated elevated areas were left frozen, and the root systems of ice age trees live on. Sonfjället national park in the empty Härjedalen region of central west Sweden is one such area, where the spruce Old Rasmus, grown from 9,500-year-old roots, can be found. The park is also known for its high density of bears. I return to the mountains in summer, autumn or winter. I find them incredibly peaceful; you can experience absolute silence and often you can gaze at the northern lights.
Lars

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California’s rent control initiative was crushed in the election. Don’t expect the issue to go away

The defeat of a ballot measure that would have allowed for the expansion of rent control across California has buoyed landlords and left tenants pinning their hopes on the state’s new governor for relief.

Proposition 10 failed resoundingly with nearly 62% of voters rejecting the initiative as of results tallied Wednesday. The initiative would have repealed the Costa-Hawkins Rental Housing Act, which bans cities and counties from implementing more aggressive forms of rent control. The result means those prohibitions remain in place.

For the record:

3:20 p.m. Nov. 8, 2018An earlier version of this article stated that the Costa-Hawkins Rental Housing Act prohibits local governments from implementing rent controls on apartments built before 1995. The law prohibits rent controls on apartments built after 1995.

Landlord groups, which funded a nearly $80-million opposition campaign that outraised supporters 3 to 1, said voters made their opinions clear.

“When a measure loses by double digits, that’s such a strong message,” said Debra Carlton, senior vice president at the California Apartment Assn. “Certainly, any changes to rent control or Costa-Hawkins in general will be a heavy lift after this.”

Voters reject Proposition 10, halting effort to expand rent control across the state »

Supporters of expanding rent control, however, said the campaign pushed tenant concerns to the forefront of the state’s housing debate. They’re also taking solace in a pledge from Democratic Gov.-elect Gavin Newsom, who has said that he will try to strike a deal on new rent control policies upon taking office. Newsom opposed Proposition 10, saying that he preferred amending Costa-Hawkins rather than repealing it.

“What we’re seeing now is that families and seniors are being evicted, facing economic eviction right now,” said Jennifer Martinez, director of strategy for the nonprofit PICO California, a backer of Proposition 10. “That doesn’t seem to be slowing down. It seems to be growing to many more regions of the state. We need relief now.”

Martinez called the prospect of Newsom’s involvement “exciting and important.”

Voters from all parts of California opposed Proposition 10. The initiative was losing in all but one of the state’s 58 counties as of Wednesday, with only San Franciscans giving it majority support. Similarly, municipal efforts to implement some rent controls in Santa Cruz and National City, a small community south of San Diego, also appeared headed for defeat by large margins.

Tenant groups responded to Tuesday’s loss by protesting at the Santa Monica offices of Blackstone, the private equity firm that owns thousands of apartments in the state and was a major donor to the campaign against Proposition 10. At the rally, activists called on Newsom to address skyrocketing rents. Supporters also said they were open to tenant protections that were narrower than those proposed by the initiative.

Costa-Hawkins, which passed 23 years ago, prohibits local governments from implementing rent control on single-family homes, condominiums and apartments built after 1995 or earlier in Los Angeles, San Francisco and other cities with longstanding rent stabilization rules. It also gives landlords the right to charge rents at the market rate once a tenant in a rent-controlled unit moves out.

Proposition 10 would have repealed Costa-Hawkins entirely, leaving local governments to implement new rent stabilization rules at their discretion. In January, a legislative committee defeated a bill that also would have done away with Costa-Hawkins.

The failures show that lawmakers and advocates should take a different approach, said Assemblyman Rob Bonta (D-Alameda), a coauthor of the failed rent control bill.

“When you’ve tried something twice and it didn’t pass, you’ve gotta look at other alternatives, too,” Bonta said. “You can’t have blinders on.”

Bonta said he’s hoping his colleagues would consider legislation to counter rent gouging, limit conversions of rent-controlled apartments to for-sale condominiums and amend Costa-Hawkins rather than repealing it.

But the resounding defeat of Proposition 10 might add to the landlord lobby’s already strong position.

During debate over the legislation to repeal Costa-Hawkins, Carlton told lawmakers that her group was willing to consider changes that would allow cities and counties to place rent control rules on more recently built apartments. In an interview Wednesday, Carlton said Tuesday’s result made it less likely landlord groups would agree to such amendments.

“If I were to take the pulse at the moment I’d say they’d be less inclined,” she said. “That would be the logical conclusion.”

It’s unclear what Newsom plans to do. The governor-elect did not speak publicly to reporters on Wednesday, but previously told the Sacramento Bee that he expected to deal with rent control right away.

“I will take responsibility to address the issue if [Proposition 10] does get defeated,” Newsom said.

Adding tenant protections could be part of a larger package of new housing legislation and policies that Newsom is expected to propose in the coming year. He made addressing the state’s housing affordability problems a key campaign promise. Principally, Newsom has called for the construction of 3.5 million new homes by 2025, a level of production never seen in California — at least since the state building industry began keeping statistics in the 1950s.

Some supporters of Proposition 10 have been critical of Newsom’s positions on tenant issues. A top official at the AIDS Healthcare Foundation, a Los Angeles-based nonprofit that spent $23.2 million on the pro-Proposition 10 campaign described Newsom last week as “bought and paid for by the landlords and the Realtor lobby and the developer lobby.” But Michael Weinstein, the AIDS Healthcare Foundation’s president, said late Tuesday that he wanted to work with the new governor before deciding whether to put another rent control initiative on the 2020 ballot.

No matter what happens at the Capitol, there will be another major rent control debate in the state in the coming years. Residents in Sacramento, California’s sixth-largest city, have qualified an initiative for the 2020 ballot that would implement rent stabilization on older apartments. Michelle Pariset, an initiative proponent who works on statewide housing issues for the nonprofit law firm Public Advocates, said she hoped a local rent control battle in the shadow of the Capitol would spur legislators to act.

“When you try to do something progressive you lose a lot of the time,” Pariset said. “But you keep fighting.”

Coverage of California politics »

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Gogglebox star shares what fans ‘don’t see on Channel 4 show’

Gogglebox sisters Izzi and Ellie Warner have appeared on the show together since 2015

Gogglebox star Izzi Warner has given fans a rare insight into her life away from the cameras.

The sofa telly critic appears on the Channel 4 programme with her sister Ellie, and have appeared alongside the likes of Pete Sandiford and Jenny Newman since 2015.

Ahead of hitting our screens in tonight’s episode, Izzi took to Instagram, and said, while sharing a video alongside a horse: “Here’s my pet that you don’t see sat on my knee on the sofa on a Friday night.

“Clip clopping our way into the weekend, have a good one, see you at 9 o’clock!”

She captioned it: “Goggleboxing in the wild.”

Izzi later clarified with a picture cuddling her sausage dog: “Just to clarify the pet that doesn’t sit on my knee is Bea… not Toby.”

This comes after the TV star gave fans an insight into her private life earlier this year with a glowing tribute to her new partner.

Last year, Izzi revealed she had been “single for 18 months” and was no longer with her long-term partner Grant, who she shares children Bobby and Bessie with.

She’s since introduced fans to her new partner Toby, posting snaps of them on holiday together and at special events.

In April, she shared an update on her relationship, writing: “The sun shone at Sandhurst on the Sovereigns parade.

“Congratulations to all the officer cadets commissioning today, in particular 16 platoon. Thank you for all who took part in what was spectacular parade.

“Proud of you @tobyj1 .”

She was flooded with support from fans, as one person wrote: “You look lovely and how smart he looks in his uniform. You must be very proud of him.”

Another shared: “Wonderful day for them all…congratulations.”

Meanwhile on Valentine’s day, she let slip to sister Ellie: “Wait till you see what Toby got me for Valentine’s – a card in a box.”

Ellie read out the cats, saying: “‘To Izzi, our first of many. Thank you for being the absolute best. I bloody adore you. Happy Valentine’s Day I love you loads and lots more. Toby.”

Gogglebox airs Fridays at 9pm on Channel 4

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Don’t let MAGA turn protest into a crime

Hello and happy Thursday. It’s me, California columnist Anita Chabria, filling in for your usual host, Washington bureau chief Michael Wilner.

Andrea Grossman was a kid when her mother pulled her out of school to join the 1969 Moratorium to End the War in Vietnam, a nationwide day of peaceful protest. They held hands while her mom walked in a knit suit and ladylike shoes, joining more than 2 million people nationwide.

Grossman, now one of the organizers of the Beverly Hills segment of the “No Kings” marches being held in more than 2,000 cities this weekend, remembers that opponents of that long-ago protest threw stinky rat poison on the lawns in Exposition Park so participants couldn’t sit on the grass. But protesters were not deterred.

“It made it all the more rebellious of us to be there,” Grossman told me. “It made us more insistent that we had to be there.”

Today, that rat poison is being metaphorically hurled by MAGA leaders such as House Speaker Mike Johnson (R-La.), in the form of noxious allegations that the No Kings marches are “Hate America” rallies staged for a “rabid base” of criminal agitators.

“It’s all the pro-Hamas wing and the antifa people, they’re all coming out,” Johnson said on Fox News.

Of course, that is dumb and false. It would be all too easy to write off comments such as Johnson’s as partisan jibber-jabber, but his insidious words are the kind of poison that seeps into the soil and shouldn’t be ignored.

A crowd that includes a woman on the shoulders of another person, a man with making V signs and a couple embracing

Participants in the Moratorium to End the War in Vietnam demonstrate in 1969 at Golden Gate Park in San Francisco.

(Clay Geerdes / Getty Images)

The ‘enemy within’

Johnson isn’t the only Republican working overtime to smear everyday folks such as Grossman. Talk about organized campaigns — Trumpites are all going after No Kings with the same script.

House Majority Whip Tom Emmer (R-Minn.) said: “These guys are playing to the most radical, small, and violent base in the country. You’ll see them on Saturday on the Mall. They just do not love this country.”

Transportation Secretary Sean Duffy has parroted similar messaging, and Sen. Roger Marshall (R-Kan.), diving into old, antisemitic conspiracies, described the events as “a Soros paid-for protest,” adding that the National Guard would probably need to be activated.

U.S. Atty. Gen. Pam Bondi added her two cents, apparently confusing printed signs, the kind that say, a union or organizations such as Planned Parenthood or the ACLU, might have made up, with evidence of diabolical terrorist networks.

“You’re seeing people out there with thousands of signs that all match,” Bondi told Fox News. “They are organized and someone is funding it. We are going to get to the funding of antifa, we’re going to get to the root of antifa and we are going to find and charge all of those people who are causing this chaos.”

Note to Bondi: Matching signs are not a conspiracy. Just ask Kinko’s.

But in her defense, it was a mere two weeks ago when President Trump addressed the leaders of the U.S. military at Quantico, Va. There, he warned that the use of military troops on American protesters was about to become reality, if he has any say in it.

“This is going to be a big thing for the people in this room, because it’s the enemy from within, and we have to handle it before it gets out of control,” Trump said.

That came on the heels of his executive order declaring antifa — a general descriptor for anyone who opposes fascism — as a terrorist organization.

So to recap: The president declares “antifa” a terrorist organization, warns military brass that they must be ready to defeat internal enemies, then MAGA Republicans begin to falsely claim No Kings rallies are full of “antifa.”

Four women talking while seated outdoors around a table with a yellow print tablecloth

Andrea Grossman, second from left, with other activists in 2024 discussing efforts to protect a Beverly Hills abortion clinic.

(Gina Ferazzi / Los Angeles Times)

Bad journalism

Grossman calls the idea that she is anti-American “preposterous.”

“We wouldn’t be out there spending our time and energy if we weren’t desperately worried for our country. Of course we love America,” she said.

Here’s where I eat my own: Media are failing miserably and unforgivably in covering this issue — this terrifying march to turn peaceful protest into a criminal offense. We shouldn’t be asking Grossman whether she hates America. We should be pushing Johnson and his ilk to defend his attack on people like her.

“We can both recognize that it’s ridiculous and also that it’s pretty sinister,” Leah Greenberg told me.

She’s the co-executive director of Indivisible, the organization behind the No Kings effort, and she’ll be at the D.C. event — the one Johnson specifically condemned. At the first No Kings rally in Philadelphia, her husband led more than 1,000 people in reciting the Pledge of Allegiance, some real anti-American stuff.

“We have to see what is currently happening here, not only as Republicans desperately grasping for a message, but also of them creating a permission structure to, you know, invite a broader crackdown on peaceful dissent,” Greenberg warned.

I asked Grossman whether she felt personally at risk by taking on this organizing role at such a fraught moment, even in Beverly Hills, that hotbed of radicalism. At first, she said she didn’t. But when I asked her why not, she paused for a bit.

“We have to put ourselves out there and it takes risk sometimes,” she finally said. “I mean, I don’t consider myself a freedom fighter by any means. I consider myself a woman of a certain age, you know, who has to stand up and be loud and noisy.”

In her regular life, Grossman runs one of the preeminent literary salons in Los Angeles, drawing authors and luminaries including Rob Reiner, Rep. Jasmine Crockett and legal podcaster Joyce Vance. She was also one of the “abortion yentas” who last year fought a losing battle to protect a controversial abortion clinic in the neighborhood. So she knows risk and doesn’t shy away from it.

But this moment is different, because it’s not normal for a president to declare protests to be terrorism, or for legislators to deem them un-American. It is not normal to fear that the military will be used to silence us.

Which is why No Kings is so crucial to this moment.

It is a movement that seeks to draw the most normal, the most average, the most mild of people to highlight just how abnormal this government is. No flags are going to be burned (though that is a protected 1st Amendment right, no matter what Trump says). No Molotov cocktails will be tossed. Hamas is not invited.

Greenberg said that “anybody with eyes” can see who comes to a No Kings rally.

“You see veterans, you see members of faith communities. You see federal workers, dedicated public servants. You see parents and grandparents and kids all coming together in this joyous and defiant opposition,” she said.

Those are exactly the types that turned out in June, when somewhere between 3 million and 6 million people marched in what felt like a cross between a fall school carnival and a Fourth of July parade. People sauntered, they sat, they sang. But most of all, they showed up.

“If we’re going to be afraid and not say anything, then [they] win,” Grossman said. “The only way to stand up to oppression is to get out there in huge, great numbers.”

So like her mom, she’ll march and she’ll ignore the poison — and much to the dismay of MAGA, I suspect millions of others just like her will too.

What else you should be reading:

The must-read: Justices lean toward rejecting race in redistricting, likely boosting GOP in 2026
The what happened: Mike Johnson’s nightmare: Kevin Kiley is unhappy with the speaker and has nothing to lose
The L.A. Times special: USC finds itself in funding battle between Trump and Newsom over the campus’ future

Get the latest from Anita Chabria

P.S. This is another bit of propaganda from the Department of Homeland Security. “Remigrate” is a term often embraced by the far right that alludes to the forced deportation of immigrants, legal or not, especially those who are not of European origin.

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Big Brother viewers say ‘I don’t care’ as Elsa makes baffling admission

Big Brother housemates got to buy some luxury items in the Eyedeal Mini Mart

Big Brother viewers were quick to ask ‘is she for real’ as Elsa made a bizarre confession.

The ITV hit reality show made a return to screens on Monday (October 13) night for a brand new episode and the housemates got to buy some luxury items in the Eyedeal Mini Mart.

Big Brother gathered the Housemates in the living area and announced: “Housemates, today you will have another opportunity to spend your eye currency in the EyeDeal Mini Mart.

“Big Brother has restocked the shelves with even more goodies, luxuries and some new surprise temptations. It’s up to you whether you want to splash the cash now or save it for a rainy day… Richard, Nancy and Sam, as you have zero eyes, you will not enter the shop today.”

One by one the housemates entered Big Brother’s EyeDeal Mini Mart however their was a major twist as Big Brother told each housemate who entered: “Big Brother would like to draw your attention to an incredible buy-one get-one free deal in the shop today.

“A very special item. An Immunity Pass. If you buy this deal, you get not one but two weeks immunity from eviction.”

Marcus wasn’t tempted by the immunity pass as he opted to use his eye balls to get a romantic dinner to enjoy with fellow housemate Elsa.

Later on, Marcus and Elsa were seen in the garden having a romantic dinner for two because Tate bought a jail pass for Marcus, which meant he had to spend his half of the date from his jail cell.

The couple were treated to a cooked dinner and Caroline couldn’t help but come outside and ask: “Is it gorgeous?” Elsa replied: “It’s lovely.”

As they enjoyed their romantic moment together, Marcus took the opportunity to confess: “This is the best date I’ve ever been on.” Caroline asked: “Really?” Marcus responded: “Yeah.”

There was one moment that caught viewers’ attention as Marcus was seen cutting Elsa’s food after she revealed that her mum cuts all her food for her at home.

It didn’t take long for viewers to rush straight to social media to share their reaction as one fumed: “Is Elsa for real.. she still has her mum cut up her food.. is she for real or is she taking the p***.”

Another commented: “Elsa “I have to get my mum to cut my food” F****** hell.” A third asked: “Um..why can’t Elsa cut up her own food? #BBUK #BigBrother.”

One fan commented: “Please save the airtime for the drama. I don’t care about this Marcus/Elsa facade.”

Meanwhile another added: “Elsa is a grown woman — does she really think acting like a child makes her more interesting?! Getting Marcus to cut her food for her and bragging that her mum does it too is wild #BBUK #BigBrother.”

Big Brother airs weekdays from 9pm on ITV2 and ITVX

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41 States That Don’t Tax Social Security Benefits

Most Social Security recipients will be able to avoid paying taxes on their benefits.

People spend years paying into the Social Security system via payroll taxes. It’s a way of helping to secure somewhat of a financial safety net in your retirement years when you begin receiving benefits. Even if you’re fortunate enough not to need it, it’s a well-earned plus after decades of work and contributions.

Unfortunately, like most other income sources in America, when you receive your Social Security payments, you could potentially owe taxes on them. The good news is that most states don’t tax Social Security benefits. The bad news is that this still leaves others that do. As of October 2025, 41 states do not tax Social Security.

Social Security card placed among several $100 U.S. dollar bills.

Image source: Getty Images.

Which states don’t tax Social Security benefits?

The following 41 states, along with Washington, D.C., currently do not tax Social Security benefits:

  1. Alabama
  2. Alaska
  3. Arizona
  4. Arkansas
  5. California
  6. Delaware
  7. Florida
  8. Georgia
  9. Hawaii
  10. Idaho
  11. Illinois
  12. Indiana
  13. Iowa
  14. Kansas
  15. Kentucky
  16. Louisiana
  17. Maine
  18. Maryland
  19. Massachusetts
  20. Michigan
  21. Mississippi
  22. Missouri
  23. Nebraska
  24. Nevada
  25. New Hampshire
  26. New Jersey
  27. New York
  28. North Carolina
  29. North Dakota
  30. Ohio
  31. Oklahoma
  32. Oregon
  33. Pennsylvania
  34. South Carolina
  35. South Dakota
  36. Tennessee
  37. Texas
  38. Virginia
  39. Washington
  40. Wisconsin
  41. Wyoming

Which states tax Social Security benefits?

The following nine states do have Social Security taxes in some form:

  1. Colorado
  2. Connecticut
  3. Minnesota
  4. Montana
  5. New Mexico
  6. Rhode Island
  7. Utah
  8. Vermont
  9. West Virginia

In the past five years, four states have eliminated their Social Security tax, so there’s still hope for people who live in a state with the tax. For example, West Virginians won’t have to pay taxes on benefits beginning in 2026.

You could still owe federal taxes on your Social Security check

Unfortunately, your state’s tax-free status doesn’t exempt you from federal taxes on your Social Security check. Luckily, most people won’t pay anything; however, there are still millions who will. To determine if you’ll be subjected to federal taxes on your Social Security benefits, the IRS considers your combined income, which includes the following:

For example, if your AGI is $15,000, you receive $20,000 annually from Social Security, and you have $200 in nontaxable interest, your combined income would be $25,200 ($15,000 + $10,000 + $200). After calculating your combined income, the following ranges are used to determine how much of your benefits are eligible to be taxed:

Percentage of Taxable Benefits Added to Income Filing Single Married, Filing Jointly
0% Less than $25,000 Less than $32,000
Up to 50% $25,000 to $34,000 $32,000 to $44,000
Up to 85% More than $34,000 More than $44,000

Source: IRS.

To see it in action, let’s assume you receive $20,000 annually in benefits, and 50% is eligible to be taxed. In this situation, up to $10,000 would be added to any other income you have and then taxed at your normal income tax rate. It’s helpful to know how the federal tax works, so you don’t mistakenly assume that the IRS is going to take 50% or 85% of your benefits.

Some retirees could see a larger tax deduction

The Trump administration’s “big, beautiful bill” included a provision that provides a temporary tax deduction for eligible people age 65 and older. Single filers are eligible for up to $6,000, while couples filing jointly are eligible for up to $12,000.

To qualify for the full $6,000 deduction, single filers must have a modified adjusted gross income (MAGI) below $75,000. If your MAGI is between $75,000 and $175,000, you’re eligible for a reduced deduction, with the amount depending on where your income falls in the range.

Couples filing jointly must have a MAGI below $150,000 to qualify for the full $12,000. Any couple with a MAGI between $150,000 and $250,000 is eligible for the reduced deduction.

This deduction will remain in place until 2028 and is available even if you take the standard deduction (which would otherwise prohibit you from itemizing your deductions).

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‘We moved from UK to US and there are 10 things we don’t like’

Emily and her family moved from the UK to Florida in the US 12 weeks ago, and although they love their new life, there are certain things they don’t approve of about America

Moving across the pond might sound like an incredibly exciting experience as experiencing a new culture can be amazing – even if it takes some getting used to.

But while there might be many new phenomenal experiences to take in, there’s no doubt going to be things you miss about home, and things you aren’t so impressed by. This is what’s starting to dawn on a family-of-four who moved from the UK to the US, 12 weeks ago.

Emily, her partner Jay and their two kids relocated to Florida, and have been sharing their experiences so far online. Recently, although Emily revealed she has “fallen in love” with the warm evenings and “pond view” from their house, she also admitted there are things she doesn’t like about living in the US.

In a recent TikTok video, she explained the “10 things we don’t like since we moved from the UK to Florida”. Firstly, Emily mentioned the public bathroom stalls because of the gaps either side of the doors which you can “see straight through”. Emily added: “I don’t like it. I don’t like the lack of privacy.” Another thing which she doesn’t like is that WhatsApp “doesn’t seem to exist” because texting is much more popular. “To me, that is oldschool,” said Emily.

Next thing Emily has an issue with is “Florida drivers”, who she said are “wild and aggressive,” although she hopes to get used to the “craziness” soon.

Emily also said that since moving to Florida they have had “multiple people soliciting at our door, trying to sell their business”. Emily said she doesn’t like it, but knows she can stop it by putting up a sign.

She continued: “Five, when you’re filling up your car and it’s the slowest pump ever.” According to Emily, at every gas station they have been to it has taken “forever” to fill up the car.

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Another thing Emily has noticed is “how long the mail takes” when it’s not an Amazon Prime delivery. “It takes a week to 10 days for anything to arrive,” she claimed. Emily also mentioned the “bugs at nighttime”, which are “relentless in Florida. She added: “The second that the sun goes down they are swarming everywhere.”

Next Emily said she doesn’t like the snakes, as they’ve already dealt with two on their property. She added: “I don’t really like having poisonous snakes in my garden.”

“Last but not least” on Emily’s list was the “very confusing healthcare system,” as she says there is a lot of paperwork, which she’s sure they’ll get used to. Despite all these things, she said: “Ignoring those 10 things, it’s still the best thing we have ever done and we love our life out here.”

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A Place In The Sun boss warns don’t apply for show if you can’t make one ‘genuine’ move

There is one very strict rule for would-be homebuyers applying to take part in the long-running Channel 4 show, producer Siobhan O’Gorman has revealed

Siobhan O’Gorman, the TV producer who leads the A Place In The Sun team, has lifted the lid on how the hit Channel 4 show picks would-be house buyers to appear on the series.

She points out that some things have changed a lot since A Place In The Sun first aired 25 years ago: “The first-ever episode 25 years ago featured a couple looking for a holiday home in the French Pyrenees with a budget of £40,000,’ she told the Daily Mail. “That wasn’t a bad budget then, but today you wouldn’t get much for that.”

But other aspects are still very much the same, Siobhan adds: “We need to be sure every applicant is in a position to put in a genuine offer,” she says. “We have great relationships with estate agents all over Europe and beyond, so it’s important to maintain that.”

While something like two-thirds of applicants are hoping for a new home in Spain, many others get in touch with dreams of finding properties in Cyprus, Portugal and Greece.

“But we’re also seeing increased interest in countries such as Croatia, Turkey and Dubai,” Siobhan says.

Wherever they want to end up, applicants start by filling in a 12-page application form. Then Siobhan and the team go through every one, to identify house-hunters who are looking for properties in the areas that align with countries that the show is planning to visit in the coming season.

The next stage is an on-camera interview to assess whether the applicants will make for good TV, and whether their aspirations are realistic.

Competition is intense, Siobhan says: “‘It’s fair to say we have at least ten applications for every show and it’s 20 for some of the more popular resorts.”

Siobhan adds: “We like to reflect a variety of budgets and areas in each country, though, so we wouldn’t do six shows with the same budget and the same wish list in Mijas Costa in Spain, but we may do two shows there with differing budgets.”

All of this behind-the-scenes work helps A Place In The Sun look smooth and well-organised on screen. However, presenter Laura Hamilton, who has been with the show since 2012, describes one incident that she playfully christened “Mudgate” where anything that could go wrong, did go wrong.

As the team were trying to help a would-be expat find a retirement home in Abruzzo, Italy, a massive downpour caused mayhem.

The team were in multiple vehicles for social distancing reasons, and one by one, each one of them become mired down in slippery mud.

“We were there for three hours and had to have tractors pull us out,” Laura recalled. “I’m known for wearing high heels on the show because I’m quite short. I remember having these ridiculously high heels on and they got caked in mud.

“House hunter Sue was “mortified,” Laura recalled, blaming herself for choosing a remote rural location that didn’t even have proper tarmac roads. house. Laura tried to reassure Sue, telling her “It’s not your fault – and I always say you’ve got to love a house come rain or shine,” to which the embarrassed homebuyer replied: “Well, I definitely don’t love this one!”

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‘We don’t want to disappear’: Tuvalu fights for climate action and survival | Climate Crisis News

Tuvalu’s Minister of Climate Change Maina Talia has told Al Jazeera that his country is fighting to stay above rising sea levels and needs “real commitments” from other countries that will allow Tuvaluans to “stay in Tuvalu” as the climate crisis worsens.

The low-lying nation of nine atolls and islands, which is situated between Australia and Hawaii in the Pacific Ocean, is fighting to maintain its sovereignty by exploring new avenues in international diplomacy.

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But, right now, the country needs help just to stay above water.

“Coming from a country that is barely not one metre above the sea, reclaiming land and building sea walls and building our resilience is the number one priority for us,” Talia told Al Jazeera in an interview during the recent United Nations General Assembly in New York.

“We cannot delay any more. Climate finance is important for our survival,” Talia said.

“It’s not about building [over the] next two or three years to come, but right now, and we need it now, in order for us to respond to the climate crisis,” he said.

Talia, who is also Tuvalu’s minister of home affairs and the environment, said the issue of financing will be a key issue at the upcoming UN COP30 climate meeting in Belem, in the Brazilian Amazon, in November.

Tuvalu's Minister for Home Affairs, Climate Change, and Environment Maina Talia attends a press conference at the Vatican, Tuesday, Sept. 30, 2025, to present the "Raising Hope for Climate Justice Conference," promoted by the Laudato Si' (Praise Be to You) Movement, which was inspired by the late Pope Francis' encyclical letter of the same name. (AP Photo/Gregorio Borgia)
Tuvalu’s Minister for Home Affairs, Climate Change, and Environment Maina Talia spoke to Al Jazeera during the UN General Assembly in New York [File: Gregorio Borgia/AP Photo]

‘You pollute, you pay’

Tuvalu is one of many countries already pushing for a better deal on climate financing at this year’s COP, after many advocates left last year’s meeting in Azerbaijan disappointed by the unambitious $300bn target set by richer countries.

Describing the COP climate meeting as having become more like a “festival for the oil-producing countries”, Talia said Tuvalu is also exploring a range of alternative initiatives, from a push to create the world’s first fossil fuel non-proliferation treaty to seeking to add its entire cultural heritage to the UNESCO World Heritage List.

Representatives of oil-producing countries are now attending the COP climate meetings in “big numbers”, Talia said, in order to try and “really bury our voice as small developing countries”.

“They take control of the narrative. They take control of the process. They try to water down all the texts. They try to put a stop to climate finance,” Talia said.

“It’s about time that we should call out to the world that finance is important for us to survive,” he said.

“The polluter pay principle is still there. You pollute, you pay,” he added.

Talia also said that it was frustrating to see his own country struggling to survive, while other countries continue to spend billions of dollars on weapons for current and future wars.

“Whilst your country is facing this existential threat, it’s quite disappointing to see that the world is investing billions and trillions of dollars in wars, in conflicts,” he said.

A report released this week by the Global Center on Adaptation (GCA) found that 39 small island countries, which are home to some 65 million people, already need about $12bn a year to help them cope with the effects of climate change.

That figure is many times more than the roughly $2bn a year they are collectively receiving now, and which represents just 0.2 percent of the amount spent on global climate finance worldwide.

GCA, a Rotterdam-based nonprofit organisation, also found that island states are already experiencing an average $1.7bn in annual economic losses due to climate change.

Tuvalu is not only focused on its own survival – the island state is considered to be facing one of the most severe existential threats from rising sea levels – it is also continuing to find ways to fight climate change globally.

“That’s why Tuvalu is leading the Fossil Fuel Non-Proliferation Treaty,” Talia said.

About 16 countries have now signed on to the treaty, with Colombia offering to host the first international conference for the phase-out of fossil fuels next year.

“We see its relevance for us,” Talia said of the treaty.

“We want to grow in number in order for us to come up with a treaty, apart from the Paris Agreement,” he said.

‘We need to hold the industrialised countries accountable’

Even as Tuvalu, a country with a population of less than 10,000 people, is fighting for immediate action on climate change, it is also making preparations for its own uncertain future, including creating a digital repository of its culture so that nothing is lost to the sea.

Talia, who is also Tuvalu’s minister for culture, said that he made the formal preliminary submission to UNESCO two weeks before the UNGA meeting for “the whole of Tuvalu to be listed” on the World Heritage List.

“If we are to disappear, which is something that we don’t want to anticipate, but if worst comes to worst, at least you know our values, our culture, heritage, are well secured,” he told Al Jazeera.

Likewise, Talia said his country doesn’t see its 2023 cooperation pact with Australia, which also includes the world’s first climate change migration visa, as an indication that the island’s future is sealed.

“I don’t look at the Falepili Agreement as a way of escaping the issue of climate change, but rather a pathway,” he said.

“A pathway that we will allow our people in Tuvalu to get good education, trained, and then return home,” he said, referring to the agreement giving some Tuvaluans access to education, healthcare and unlimited travel to Australia.

The agreement text includes an acknowledgement from both parties that “the statehood and sovereignty of Tuvalu will continue, and the rights and duties inherent thereto will be maintained, notwithstanding the impact of climate change-related sea level rise”.

Talia also said that a recent ruling from the UN’s top court, the International Court of Justice (ICJ) in The Hague, declared that states have a responsibility to address climate change by cooperating to cut emissions, following through on climate agreements, and protecting vulnerable populations and ecosystems from harm.

The ICJ ruling “really changed the whole context of climate change debates”, Talia said.

“The highest court has spoken, the highest court has delivered the judgement,” he said of the case, which was brought before the ICJ by Tuvalu’s neighbour Vanuatu.

“So it’s just a matter of, how are we going to live that, or weave that, into our climate policies,” he said.

“We need to hold the industrialised countries accountable to their actions,” he added.

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Celebrate the ceasefire, but don’t forget: Gaza survived on its own | Israel-Palestine conflict

On November 7, 2023, children stood before cameras at al-Shifa Hospital and spoke in English, not their mother tongue, but in the language of those they thought might save them. “We want to live, we want peace, we want to judge the killers of children,” one boy said. “We want medicine, food and education. We want to live as other children live.” Even then, barely a month into the genocide, they had no clean drinking water, no food and no medicine. They begged in the colonisers’ language because they thought it might make their humanity legible.

I wonder how many of those children are dead now, how many never made it to this moment of “peace”, and whether they died still believing the world might answer their call.

Now, almost two years later, US President Donald Trump posts that he is “very proud” of the signing of the first phase of his “peace plan”. French President Emmanuel Macron praises and commends Trump’s initiative, while Israeli leader Yair Lapid calls on the Nobel Committee to award Trump a peace prize. Leaders have lined up to claim credit for ending a genocide they spent two years, and the previous 77, funding, arming and enabling.

But Gaza never needed saving. Gaza needed the world to stop killing it. Gaza needed the world to simply let its people live on their land, free of occupation, apartheid and genocide. Gaza’s people merely needed the objective, legal and moral standard generously afforded to those who murdered them. Gaza’s genocide exposed a world that preaches justice yet funds oppression, and a people who turned survival itself into defiance.

All that to say, glory to the Palestinian people, to their steadfastness and to their collective power. Palestinians refused to submit to a narrative imposed upon them, that they were beggars seeking aid, “terrorists” who needed to pay, or anything less than a people whose dignity deserved to be upheld without reservation or degradation.

Gaza did not fail. We did. Gaza resisted when the world expected it to break. Gaza stood alone when it should never have had to stand alone. Gaza endured despite international abandonment, despite governments that funded its destruction and now celebrate themselves as peacemakers.

As a man of faith, I am reminded of this:

“When they are told, ‘Do not spread corruption in the land,’ they reply, ‘We are only peacemakers!’” (Quran 2:11)

Nothing says peace like two years of starvation, bombardment and mass graves, when, instead of delivering food, they delivered shrouds.

And while Gaza bled, the powerful perfected the art of denial. And when I see the people of Gaza celebrating in the streets, I know that this celebration belongs to them alone, not to Donald Trump, who has announced he will visit the region to take credit for what he calls a “historic occasion”, and not to Western leaders who profited from Gaza’s devastation while pretending neutrality. The people rushing to cameras to claim credit are the same ones who made the genocide possible, who funded it with billions in military aid, armed it with precision-guided missiles and provided diplomatic cover at the United Nations while repeatedly vetoing UN Security Council ceasefire resolutions. The United States approved an additional $14.3bn in military aid during the genocide, bypassing congressional oversight multiple times to rush Apache helicopter missiles, 155mm artillery shells, night-vision equipment and bunker-busting bombs that landed on the heads of families as they slept.

Those of us sitting in the comfort of the West should feel shame. Americans like to imagine themselves on the right side of history. We tell ourselves that had we lived during Jim Crow or the Holocaust, we would have done anything to stop it. But we have 340 million people in America, and we could not stop our tax dollars from funding extermination. We could not even deliver baby formula, as we watched babies’ bodies waste away. Many sat in complicity, made excuses for the inexcusable, blamed Palestinians for their own deaths, and turned away from the horror because acknowledging it would have meant confronting our own government’s role in funding it. Our failure did not eclipse Palestinian agency; it made it more visible.

The only pressure that mattered came from the people Israel could not silence, Palestinians who livestreamed their own deaths so the world could not claim ignorance or accept Israel’s falsehoods as truth. Gaza survived because of its own resistance, a resistance to which its people are entitled. The ceasefire came because Palestinian steadfastness broke something the bombs could not touch, because the facade of Israeli victimhood crumbled under the weight of livestreamed atrocity, and because global public opinion turned against Israel despite every effort to manufacture consent for genocide. What it accomplished is written in civilian death rolls, not in security. That is what forced this ceasefire.

Palestine’s most celebrated poet, Mahmoud Darwish, knew how this would go: “The war will end. The leaders will shake hands. The old woman will keep waiting for her martyred son. That girl will wait for her beloved husband. And those children will wait for their heroic father. I don’t know who sold our homeland. But I saw who paid the price.” Now they broker peace between the killer and the killed, the butcher and the slain, and call it progress. The price was paid in Palestinian blood. And somewhere, an old woman, a new bride or an orphaned daughter is still waiting for their loved ones to come home.

There must be full accountability, not just for Israel but for every government and corporation that made this genocide possible. There must be a comprehensive arms embargo on Israel immediately, economic sanctions until there is complete withdrawal from occupied territory, freedom for the more than 10,000 Palestinian hostages, and reparations for reconstruction determined and distributed by Palestinians themselves. War criminals must be prosecuted at The Hague, regardless of which nation objects. This is just the start. Justice is not a diplomatic option; it is the minimum measure of our shared humanity.

The “peace” Trump’s plan promises died with every child in Gaza, every displaced family, and every day the world called genocide “self-defence”, ignoring the International Court of Justice’s 2004 ruling that an occupier cannot claim self-defence against the occupied.

The only just future is complete liberation — one democratic state with equal rights for all, beginning with Gaza’s right to determine its own fate without siege, without occupation and without foreign control disguised as peacekeeping. But first, the people of Gaza have earned the right to mourn, to count their dead and bury them properly, and above all, to feel this small moment of joy. Palestinians have earned, through unimaginable suffering, the right to define what freedom looks like. The rest of the world has no standing to tell them otherwise.

For those of us in the West, we must make sure that the world does not return to normal. We cannot be lulled back to sleep by the temporary cessation of air strikes while the occupation continues. Israel cannot continue as if it did not commit the gravest crime of our generation. The hundreds of thousands of martyred and maimed Palestinians demand justice that cannot be denied.

We cannot rest until the entire system of occupation and apartheid is dismantled and replaced with liberation. This is only the beginning. Free Palestine, from the river to the sea.

The views expressed in this article are the author’s own and do not necessarily reflect Al Jazeera’s editorial stance.

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Real-life fairytale castle based in UK is a ‘hidden gem’ you don’t want to miss

One travel lover has taken to TikTok to share her recommendation for a UK trip to a ‘real-life fairytale castle’. It has been described as “one of the largest and most complete castles in England”

It’s always nice to have a trip abroad planned. However, as well as taking a holiday overseas, it’s also great to explore the stunning places the UK has to offer.

One travel lover has taken to TikTok to share her recommendation for a UK day trip to a ‘real-life fairytale castle’. Aleksandra, known as @aleksandra10s on TikTok, shared a clip of the ‘hidden gem’ with her 3,273 followers telling them that it was “one of the largest and most complete castles in England” that is in “pristine” condition and has “beautiful” gardens. And what as the location she was talking about? Arundel Castle, based in Sussex.

Aleksandra shared clips of the castle’s stunning grounds in a video set to Disneys ‘Beauty and the Beast’ soundtrack.

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She commented: “Arundel Castle, in Sussex, is a real-life fairytale castle in pristine condition and beautiful gardens. One of the largest and most complete castles in England, it’s a gem worth visiting.”

The castle is a restored and remodelled medieval castle that was first was established by Roger de Montgomery in the 11th century.

People were loving the clip as many said they also enjoyed a visit to the castle.

One person commented: “I love Arundel Castle, one of my favourite places to visit.”

While another agreed: “Such a magical place like a real-life fairytale.”

A third chined in: “I live 10 minutes down the road and still love walking past it.”

The castle suffered damage in the English Civil War and then restored in the 18th and early 19th centuries by Charles Howard, 11th Duke of Norfolk. Further restoration and embellishment was then carried out from the 1890s by Charles Alban Buckler for the 15th Duke.

Since the 11th century, the castle has been the seat of the Earls of Arundel and the Dukes of Norfolk. It is also a Grade I listed building.

Those who want to visit will have to plan a trip in soon as the 2025 season will only runs up until Sunday 2nd November.

The gardens are open from 10.00am – 5.00pm, as is the Fitzalan Chapel. The Keep can be visited from 10.00am – 4.30pm and Castle rooms are open between 12.00 noon – 5.00pm.

Visitors should also note last admission is 4.00pm and the castle is closed on Mondays, except bank holidays and in August.

Tickets can be bought online and on the day at our ticket office (by credit or debit card only).



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‘I don’t want this all on camera,’ gubernatorial candidate Katie Porter says in testy interview

Former Rep. Katie Porter, the 2026 gubernatorial candidate who has a narrow edge in the polls, raised eyebrows Tuesday when footage emerged of her apparently ending a television interview after becoming irritated by a reporter’s questions.

The footage shows CBS Sacramento reporter Julie Watts asking Porter, a Democrat, what she would say to the nearly 6.1 million Californians who voted for President Trump in 2024, and the UC Irvine law professor responding that she didn’t need their support if she competed against a Republican in the November 2026 run-off election to replace termed-out Gov. Gavin Newsom.

After Porter highlighted her experience winning a closely divided Orange County congressional district, she grew palpably irritated by Watts’ follow-up questions about her dismissiveness about needing support from voters who supported Trump.

“I feel like this is unnecessarily argumentative. What is your question?” Porter said.

Watts responded that she had asked every other candidate similar questions in relation to Proposition 50, the redistricting ballot measure that Newsom and other California Democrats put on the ballot in a special election in November.

Porter said she would seek every vote she could win, but then grew testy over follow-up questions.

“I don’t want to keep doing this. I’m going to call it,” Porter said, saying she objected to multiple follow-up questions. “I want to have a pleasant, positive conversation. … And if every question you’re going to make up a follow-up question, then we’re never going to get there.”

She later said, “I don’t want this all on camera.”

Porter, a protege of Mass. Sen. Elizabeth Warren, won election to Congress in 2018 and gained attention for grilling executives and her use of a white board to explain complex policies. The 51-year-old unsuccessfully ran for U.S. Senate in 2024 and returned to teaching law at UC Irvine.

On Tuesday night, Porter’s campaign said that the interview continued for an additional 20 minutes after the heated exchange but did not offer further comment.

The former congresswoman’s Democratic rivals in the 2026 gubernatorial race seized on her comments, and Democratic strategists not associated with any candidate in the race also cringed.

“When you’re governor, you’re governor of everyone, not just the people in your party. It’s a bad look to say you don’t want or need votes from certain Californians, even those you really disagree with,” said Elizabeth Ashford, who served as a strategist for Govs. Jerry Brown and Arnold Schwarzenegger as well as former Vice President Kamala Harris when she was the attorney general of California.

“But, also, even good candidates have bad nights,” Ashford added. “This was a miss for Katie, but not every interview is going to go great.”

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My Advice? Don’t Get Distracted By Oklo Stock’s Recent Slump.

The late September dip erased more than $4 billion in value. It’s no big deal.

Investors who bought shares of Oklo (OKLO 12.73%) before its stock surged 50% in mid-September were probably thrilled when share prices of the nuclear reactor start-up hit $142 on Sept. 23.

They — along with anyone who jumped in on Sept. 23 — probably weren’t feeling quite so festive at the end of that week. The company’s shares crashed below $111 on Sept. 26. They’ve risen a bit since then, but it’s fair to ask whether the company’s stock price slump is here to stay.

Here’s why investors shouldn’t worry about the recent slump, even if the stock continues to be volatile.

A red downward arrow in front of hundred-dollar bills

Image source: Getty Images.

It’s a hard-knock life

Startups often experience big swings in share price, and Oklo is one of the “start-uppiest” start-ups you’ll find in the nuclear energy space.

Founded in 2013 by two MIT graduate students, Oklo went public via a merger with one of artificial intelligence (AI) guru Sam Altman’s special purpose acquisition companies (SPACs) in May 2024. It has big plans for a small modular nuclear reactor (SMR), but it hasn’t actually built even a working prototype of one, let alone made money from one. So it’s a very speculative stock, and not a good choice for risk-averse investors.

Given all the question marks surrounding Oklo’s potential as an investment, it’s unsurprising that the stock has seen some big swings in valuation, including the recent dip.

Betting on the tech

In addition to being a start-up operating in a relatively new and untested technology sector, Oklo’s proposed SMR differs from the “standard” SMR design.

Oklo is building a sodium-cooled “fast reactor” SMR, which is a niche type of reactor, even for the SMR space. Full-size fast reactors have been shown to be more efficient than the traditional water-cooled reactors used in most nuclear plants, and Oklo believes that these benefits could carry over to the SMR versions. In theory, they could be powered using spent fuel from existing reactors instead of fresh enriched uranium fuel, which would be an added benefit.

But none of this has yet been borne out under real-world conditions. Until it is, expect more volatility.

Small news, big impact

One reason these factors are likely to cause such wild swings in Oklo’s stock is that there’s not a lot to go on as far as company valuation. It’s too early for traditional valuation metrics like price-to-sales or price-to-earnings ratios. There’s not a lot the company can report about operational progress yet. That means minor news reports and rumors are all investors have to go on in many cases. As speculators pile in and out of the stock based on these tidbits of information, the share price swings wildly.

Take, for example, the news that Oklo held a groundbreaking ceremony for its first-ever Aurora Powerhouse SMR in mid-September. News reports about that groundbreaking caused the stock to abruptly skyrocket. But the groundbreaking was hardly a secret: The company had been saying for months it was expected to occur in the third quarter of 2025 (which it did). It had completed site characterization in May and selected a builder in July. The project is part of a government program with a proposed end date of July 2026. Anyone could have predicted that a groundbreaking was imminent. But news that it happened sent the stock soaring:

Similarly, the drop in share price since the groundbreaking is likely caused by investors taking profits after a massive stock run-up. The important thing to remember is that there seems to be plenty of upside for Oklo’s stock from here, if it can actually deliver on its technology. If you’re a risk-tolerant investor looking for a nuclear energy stock that could soar, it may be a good time to consider buying the dip.

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Don’t Miss This Major Announcement From The Trade Desk and What It Means for the Long Term

A long-awaited first partner for the Ventura TV OS could reshape how ads and content show up on living-room screens.

The first big customer for The Trade Desk‘s (TTD 1.33%) TV operating system (OS) is finally here. The ad-buying platform announced on Wednesday that it will co-develop a custom version of its Ventura TV OS with DirecTV, pairing DirecTV’s consumer interface with Ventura’s ad-tech plumbing and app store. The announcement arrives nearly a year after Ventura was introduced, giving investors their first look at how the company plans to bring its TV platform to market.

For readers newer to the story, The Trade Desk operates a software platform that helps advertisers buy and measure digital ads across the internet. The company has been pushing deeper into connected TV (CTV) for years. Ventura is the boldest step yet — a TV operating system meant to give manufacturers and content companies an alternative to platforms that also own content or a streaming service.

Friends sitting on a couch in a living room watching TV together.

Image source: Getty Images.

What Ventura is and why DirecTV matters

Ventura is pitched as a neutral operating system for smart TVs and other screens. The company said in its announcement of Ventura that it is designed to provide a “much cleaner supply chain streaming TV advertising, minimizing supply chain hops and costs — ensuring maximum ROI for every advertising dollar and optimized yield for publishers.” In other words, The Trade Desk believes it will support a supply chain that lets advertisers measure performance more precisely and ultimately optimize spending better.

Importantly, Ventura is not tied to a house streaming service, which the company argues reduces conflicts of interest and keeps it a more unbiased partner for publishers, TV makers, and retailers. This is a pointed contrast with incumbents like Roku or Amazon‘s Fire TV, which operate platforms while also owning major ad-supported channels and inventory.

DirecTV gives Ventura an on-ramp that consumers recognize. The partners plan to integrate DirecTV’s familiar interface — including access to MyFree DirecTV (its free ad-supported TV service), optional genre packs, and premium bundles — into a Ventura build that any third-party TV manufacturer, retailer, hotel, or venue could deploy.

In other words, an OEM (original equipment manufacturer) can ship a TV that boots into DirecTV’s experience, but the advertising marketplace and measurement behind the scenes will run on Ventura. As Matthew Henick, senior vice president of Ventura TV OS, put it, “TV manufacturers deserve more choice in how they build their businesses,” adding that the goal is a “more transparent and equitable ecosystem” for advertisers and publishers.

Financially, The Trade Desk enters this next phase during a time when investors are dubious about how sustainable its high growth rate is. Second-quarter revenue grew 19% year over year to $694 million, and customer retention stayed above 95% while adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) margin was an impressive 39%. But this growth rate was down from Q1, and management expects even lower growth in Q3. While tough comparisons to year-ago quarters (due primarily to political advertising spending last year) are weighing on results, some investors worry that increasing competition is also to blame.

A catalyst — and a potential distraction

A credible distribution partner could help The Trade Desk push Ventura into living rooms quickly. If OEMs adopt this DirecTV-skinned version, Ventura may improve ad transparency, streamline supply paths, and potentially lower take rates in CTV — outcomes that could make its core ad-buying platform more attractive as its marketers benefit from better economics when buying Ventura OS inventory.

But investors should be cautious about extrapolating too much from a single partnership. Building and supporting a TV OS is expensive and operationally messy. The business model relies on lining up multiple constituents (OEMs, publishers, retailers, and distribution partners) and then demonstrating that stakeholders can earn more money on Ventura than on incumbent platforms. That process takes time. It is also possible the effort will distract management from the day-to-day of strengthening Kokai, its artificial intelligence (AI)-forward ad-buying platform.

Additionally, The Trade Desk’s valuation arguably already prices in success with both its core business and in new ventures. Even after a tough stretch for the stock, shares trade at close to 10 times sales — a premium that implies steady execution and continued share gains across CTV and the open internet. If Ventura ramps slowly, or if macroeconomic headwinds suppress large brands’ ad budgets (as The Trade Desk management warned of in its last earnings call), that premium may be hard to defend. And competition isn’t standing still: Platform owners with their own channels can bundle distribution, data, and ad inventory in ways Ventura will need to match, with clear economic benefits for partners.

None of this diminishes the strategic logic. If Ventura delivers an OS that reduces friction for viewers and advertisers while improving monetization for content owners, this could lead to a cleaner and more efficient supply chain for CTV, ultimately benefiting The Trade Desk’s core platform and making it more valuable over time. The DirecTV tie-up is an important first step toward testing that thesis in the wild.

Daniel Sparks and his clients have no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Roku, and The Trade Desk. The Motley Fool has a disclosure policy.

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Tourists don’t visit L.A., the state. Are Trump and ICE to blame?

About two months ago, my cousin Guillermo happily ventured from picturesque Cuernavaca, Mexico, to 95-degree Southern California.

He took his wife and two young kids to Disneyland, Universal Studios, the zoo, the beach and a Dodger game over a week span and then gleefully returned home. He spent about $6,000 for what he hoped was a lifetime of stories and memories.

His actions were pretty normal for a tourist though his timing was not.

Tourism to Los Angeles and California, in general, has been down this summer, representing a blow to one of the state’s biggest industries.

Theories as to why people aren’t visiting were explored this past week by my colleague Cerys Davis.

Davis spoke with experts and provided the scoop. Let’s take a look at what she wrote.

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What the numbers say

International tourist arrivals to the state fell by 8% in the three months through August, according to data released Monday from Visit California. That is more than 170,000 fewer global tourists than last year. This is critical because international tourists spend up to eight times more per visit than domestic tourists.

Of all the state’s international travelers, arrivals from Canada fell the most (32%) in the three summer months.

Empty landmarks

On Hollywood Boulevard, there are fewer tourists, and the ones who show up are spending less, said Salim Osman, who works for Ride Like A Star, an exotic car company that rents to visitors looking to take a luxury vehicle for a spin and snap the quintessential L.A. selfie.

This summer, he said foot traffic dropped by nearly 50%.

“It used to be shoulder to shoulder out here,” he said, looking along the boulevard, normally teeming with tourists.

Business has been slow around the TCL Chinese Theatre, where visitors place their hands into the concrete hand prints of celebrities like Kristen Stewart and Denzel Washington.

There were fewer people to hop onto sightseeing buses, check out Madame Tussauds wax museum and snap impromptu photos with patrolling characters such as Spider-Man and Mickey Mouse. Souvenir shop operators nearby say they have also had to increase the prices of many of their memorabilia because of tariffs and a decline in sales.

Many of the state’s most prominent attractions are also experiencing dry spells. Yosemite National Park reported a decrease of up to 50% in bookings ahead of Memorial Day weekend.

Theories as to what’s keeping tourists away

The region’s economy and image suffered significant setbacks this year.

Shocking images of the destructive Eaton and Palisades fires in January, followed by the immigration crackdown in June, made global news and repelled visitors like friends of Australian tourists Geoffrey and Tennille Mutton, who didn’t accompany the couple to California this summer.

“A lot of people have had a changed view of America,” Geoffrey said as his family enjoyed Ben & Jerry’s ice cream outside of Hollywood’s Dolby Theatre. “They don’t want to come here and support this place.”

Meanwhile, President Trump’s tariff policies and other geopolitical posturing have convinced many international tourists to avoid America, particularly Canadians, said Palm Springs Mayor Ron deHarte.

“We’ve hurt our Canadian friends with actions that the administration has taken. It’s understandable,” he said. “We don’t know how long they won’t want to travel to the states, but we’re hopeful that it is short-term.”

President Trump’s talk of making Canada the 51st state and his decision to hit Canada with tariffs have not endeared him to Canadian travelers. Meanwhile, media overseas have been bombarded with stories of capricious denials and detentions at U.S. border crossings.

Visitors from China, India, Germany and Australia also avoided the state, according to the latest data. That has resulted in a dip in traffic at most Los Angeles area airports. Cynthia Guidry, director of Long Beach Airport, said reduced airline schedules, economic pressures and rising costs also hurt airport traffic.

Viva Mexico (tourists)!

Despite the southern border lockdown and the widespread immigration raids, Mexicans were a surprising exception to the tourism slump. Arrivals from our southern neighbor were up about 5% over the last three months from 2024.

I asked my cousin, Guillermo, about his travel motivations.

He noted his desire to see family but also to visit many of Southern California’s jewels. He added that planning for this trip started a year earlier too.

Asked if he’d reconsider visiting California in the future, he delivered a timeless response.

“If there’s a deal, I’ll go.”

For more, check out the full story here.

The week’s biggest stories

A fire breaks out at Chevron's refinery on Thursday in El Segundo.

(Carlin Stiehl/Los Angeles Times)

Explosion at Chevron’s El Segundo Refinery

Crimes, courts and policing

Media and tech news

Entertainment news

Unexpected deaths

More big stories

This week’s must-reads

More great reads

For your weekend

Bamboo Club's Halloween-themed pop-up, called Tremble Club, serves spooky spins on the bar's tiki cocktails.

(Stephanie Breijo / Los Angeles Times)

Going out

Staying in

Have a great weekend, from the Essential California team

Jim Rainey, staff writer
Kevinisha Walker, multiplatform editor
Andrew J. Campa, reporter
Hugo Martín, assistant editor
Karim Doumar, head of newsletters
Diamy Wang, homepage intern
Izzy Nunes, audience intern

How can we make this newsletter more useful? Send comments to [email protected]. Check our top stories, topics and the latest articles on latimes.com.

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Don’t Miss Out on This $30-Trillion Dollar Sector: The Top ETF to Buy

Roughly half of all U.S. stocks pay dividends, making it a huge investable universe, with this one ETF letting you buy the best of the best.

The U.S. market is huge, with a combined market cap of around $63 trillion. There are all sorts of different ways you can slice and dice the U.S. stock market, with the top ETFs offering plenty of variety. But if you are a dividend lover, you are only interested in about half of the total universe, which cuts your investable universe down to “just” $30 trillion or so.

If that’s still a little daunting (it should be), then you need to get to know Schwab US Dividend Equity ETF (SCHD -0.39%). Here’s why it could be the top dividend exchange-traded fund (ETF) for you to buy.

A finger turning blocks that spell out ETF.

Image source: Getty Images.

What does Schwab US Dividend Equity ETF do?

Schwab US Dividend Equity ETF tracks the Dow Jones U.S. Dividend 100 Index. Although the exchange-traded fund technically doesn’t do anything other than mimic the index, the index and the ETF are, in practice, doing the same things and can be discussed interchangeably. From here on out, the ETF will be discussed and not the index.

The first step in creating Schwab US Dividend Equity ETF’s portfolio is to winnow down the $30 trillion worth of dividend stocks to a more manageable number. To do this, only stocks that have increased their dividends for at least 10 years are examined for further consideration. Also eliminated are real estate investment trusts (REITs), because of their unique corporate structure that emphasizes dividends and avoids corporate-level taxation.

Once a core investable universe is created, Schwab US Dividend Equity ETF builds a composite score for each of the remaining companies. The score includes cash flow to total debt, return on equity, dividend yield, and a company’s five-year dividend growth rate. Essentially, the ETF is trying to find financially strong companies that are well run and that return material value to shareholders via regular, and growing, dividend payments. The 100 companies with the best composite scores are included in the ETF.

The ETF uses a market cap weighting approach, so the largest companies have the biggest impact on performance. And the list of holdings is updated annually. That’s a lot of work, but the expense ratio is a very modest 0.06%. At the end of the day, Schwab US Dividend Equity ETF is doing what most dividend investors would do if they bought stocks on their own at a cost that is very close to free by Wall Street standards.

Why you should buy Schwab US Dividend Equity ETF

Some caveats are important here. You can easily find higher-yielding ETFs. You can easily find ETFs that have had better price appreciation. Simply put, Schwab US Dividend Equity ETF isn’t a perfect investment choice for every investor. But it provides a very good balance between yield, price appreciation, and dividend growth over time.

SCHD Chart

SCHD data by YCharts

As the chart above highlights, the dividend and the ETF’s market price have both trended generally higher since its inception in October 2011. Now add in the well-above-market dividend yield of around 3.7% today, and the story gets even better. For reference, that’s just over three times greater than what you’d collect from an S&P 500 index (^GSPC 0.26%) tracking ETF like Vanguard S&P 500 ETF (NYSEMKT: VOO).

And since Schwab US Dividend Equity ETF’s portfolio is regularly updated, you don’t need to think about what’s in the portfolio. How it invests is more important than what it owns at any given moment. Its holdings will naturally shift along with the market over time. In other words, you just have to make one buy decision and let the ETF do the rest of the work for you.

A simple “one and done” ETF for dividend investors

There are a lot of public companies in the United States. And around half of those public companies pay dividends. Schwab US Dividend Equity ETF lets you cut through the $30 trillion worth of dividend noise to focus on just 100 of the best dividend stocks. And it basically picks dividend stocks the way a dividend investor would do it, looking for quality companies with growing businesses, attractive yields, and growing dividends. If you love dividends, Schwab US Dividend Equity ETF could easily be the top ETF for you.

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