Back to Landscape: Southern Oregon Alliance Moves Ahead with I-5 Wildlife Crossings

One morning in late March, Charlie Shells, an ecologist with the Bureau of Land Management, walked across a steel railroad bridge that spans Interstate 5 near the summit of Siskiyou, four and a half miles from the Oregon-California border. Pebbles crushed under his feet with the roar of an uninterrupted river of cars and trucks below. At the end of the bridge, Shiels put his backpack and opened the cable that was securing the trail camera to a tree.

"Let’s see what we have," said Shiels, pulling out the memory card. It contained 51 videos. Click through them.

"There’s a deer…another deer, a train," he said, walking around. “There is a man walking his dog—I see him every day. There is one deer, two, three, four, heading east.”

Schelz has set up nearly a dozen of these cameras along wildlife trails near drainage ditches and vehicular bridges that pass over and under I-5. By observing these sites, which stretch from Nile Creek just outside Ashland to the California border, he hopes to better understand which animals use existing lanes to safely traverse the busy highway.

Bureau of Land Management ecologist Charlie Shells checks a track camera near I-5 to gather information about future wildlife crossing sites.

Bureau of Land Management ecologist Charlie Shells checks a track camera near I-5 to gather information about future wildlife crossing sites.

Juliette Grable / JBR

Shells is part of the Southern Oregon Wildlife Consortium. They are a group of scientists, agency representatives, and hunting, fishing and wildlife advocates seeking to create new structures and enhance existing ones so that animals can safely cross I-5 at Siskiyou Summit. This section of the highway includes a very steep slope as it cuts through mountainous terrain. The highway divides the Cascade-Siskiyo National Monument, which is dedicated to the diversity of wildlife, insects, and plant communities, representing a deep barrier for many animals—from bears, deer, and cougars to fish, frogs, and foxes—trying to move from one part of their habitat to another.

"It’s not just about your wildlife barrier," says Jack Williams, emeritus scientist at Trout Unlimited and one of the founding members of the coalition. "It’s loud and screeching; there’s a lot of vibration, and she sees tens of thousands of vehicles a day. Some animals skip – some get beaten up – but a lot of them get away."

Amy Emrein, who served as a field representative for U.S. Senator Jeff Merkley for 12 years, offered to lead the coalition and help seek funding opportunities.

"It’s always been in my mind that we need to do something about it," says Amrheen, who also serves as the coalition’s volunteer coordinator. "When I saw President Biden get serious about the infrastructure bill, I saw an opportunity with the money coming into Oregon to get some planning done."

The alliance began with a handful of local conservation leaders, including Dave Willis, who advocated the memorial, which was appointed in 2000. It has since swelled to 18 members. Although the Oregon Department of Transportation is ultimately responsible for implementing the projects on the I-5 corridor, the alliance is working with the agency to develop "shovel-ready" projects. Earlier this year, they won a $50,000 grant from the Oregon Water Improvement Board to help fund a feasibility study to investigate potential sites. In March, they hired Samara Group, a Portland-based environmental consultancy, and River Design Group, a design consultancy specializing in restoration projects, to lead the study.

Analysis of the human impact on animals

On that day in March, Shiels visited a small stream near the Pacific Crest Trail, a lower pass at the motorway exit of Mount Ashland, and a site near the California border called Bear Gulch, where there are great culvert tunnels through the slope of the hill well below the highway. coarse; Schelz’s cameras spotted a variety of animals there, including bobcat hunters and Pacific hunters.

"It’s a really good place," says Shiels. "You’re far from the noise, and it’s a nice big tunnel."

Boardwalk cameras have spied on bears, cougars, bobcats, raccoons, skunks, weasels, and plenty of deer and foxes. It will remain in place for at least a full year, so the group can see which animals use different locations during the seasons.

While it is always exciting to find out what the cameras captured, someone has to sift through hundreds of videos and thousands of still photos. Dr. Karen Mager, Professor in Southern Oregon University’s Department of Environmental Science, Policy and Sustainability, has recruited two undergraduates, Alex Zinnor and Maya Smith, to help with the monumental task. As part of major graduation projects, Zenor and Smith analyzed data from Schelz’s cameras, along with some they installed and Dr. Mager.

They discovered that while some sites, including Bear Gulch, are used by an impressive variety of genres, others see more traffic overall.

“We had some sites that were almost exclusively used by deer, but they were used at really high rates,” Mager says. "And we know from vehicle collision data that deer are the most common animal that cars hit, causing the most harm to animals and humans."

A tunnel located under I-5 near Cascade-Siskiyou National Monument.

A tunnel located under I-5 near Cascade-Siskiyou National Monument.

Juliette Grable / JBR

According to data from ODOT, between 2016 and 2020, vehicles collided with 161 deer over the 15-mile stretch between Ashland and the California border. And these are just the incidents that have been reported. These collisions are not only dangerous, they are also expensive. ODOT claims that every time a car hits a deer, the combination of emergency response, towing, repairs and medical expenses costs $6,617. When it comes to hitting an elk, the average cost goes up to $17483.

Planned wildlife crossings work. A series of projects along Highway 97 just south of Bend have improved the lives of mule deer trying to cross the busy road. The improvements, which include a new hybrid built exclusively for wildlife, have reduced vehicle-to-wildlife collisions by 86 percent since they were completed in 2012. Nearly 30 different species have been documented using the crossings.

Zinnor and Smith presented their findings to faculty and students at the end of the spring semester. They also shared their data with the Samara Group. Other students expressed interest in continuing their work.

“It’s great that the undergraduates who are really taking the lead are being mentored in doing this very useful work for the region,” says Mager.

Hone in strategies

In June, the coalition gathered at Sampson Creek Preserve near Ashland to begin mapping out design strategies for eight wildlife crossing sites along I-5. Leslie Bliss-Ketchum, director of the Samara Group, and Melanie Clem, chief engineer at River Design Group, directed the effort. The goal was to come up with up to three alternatives for each location.

The coalition is not advocating for a single structure, but rather for a group of projects that will collectively improve "habitat permeability" across I-5. Options range from simple repairs such as planting vegetation on both sides of an existing stream to building an entirely new bridge. At a location like the Mount Ashland Exit Trail, which is heavily used by deer, the group likely wouldn’t recommend modifying the physical structure, says Bliss Ketchum. "It’s more about adding a fence to pass wildlife through and making some changes to the habitat to help support more diverse groups of animals."

Some animals are more satisfying than others. Birds avoid noisy roadsides. Salamanders may be confused due to the dark environment within the culvert. Deer do not like artificial light. Raccoons and foxes enter sewers easily, but other small mammals may not enter unless they have a dry edge or places to hide from predators. The distance between crossings on the same stretch of highway is also important because larger animals such as deer and cougars can travel longer distances to reach crossings than "babies," says Bliss Ketchum.

BLM ecologist Charlie Shells stands in a large well that passes under I-5 in Bear Gulch near the California border.

BLM ecologist Charlie Shells stands in a large well that passes under I-5 in Bear Gulch near the California border.

Juliette Grable / JBR

"When you think about all the different animals that a road as big as I-5 might block, having frequent opportunities really helps support species diversity," she says.

While Bliss-Ketchum addresses environmental issues, Klym helps the group understand the logistical challenges of the trail’s highly eroded geology and steep terrain.

“We like to say that Leslie helps with the 'what' and the 'why', and I help figure out the 'how', says Clem. This includes looking at the potential cost of the project, but also deciding where to prepare materials, minimize disruptions to traffic, and work With tribes to protect cultural resources.

In some cases, the group might recommend extending an existing stream or replacing the stream with a bridge, especially if they can make backpacking improvements for wildlife at work, ODOT would probably do anyway. For example, an ODOT representative of the group recently showed two prairie near the California border that had become clogged with silt and debris.

Bliss-Ketchum says ODOT will have to address this issue. "How can we then double our interest and make it better for wildlife at the same time?"

When the coalition meets again in August, they will research the alternatives and select the best for each location. This fall, they’ll summarize their plan for the entire corridor in a conceptual design report. Then, engineering and design work can begin on projects that ODOT decides to tackle.

Meanwhile, ODOT has applied for a $500,000 grant through the America the Beautiful Challenge, a new public-private grant program hosted by the National Fish and Wildlife Foundation created specifically for conservation and restoration projects. ODOT wants to replace the stream that currently passes Nile Creek under I-5 five miles north of Ashland. The turbulent and fast-moving waters within the canal make it difficult for local fish such as coho salmon and steelhead to reach the clean, cool waters above. replacing the structure with a bridge, which will allow the current to flow normally, will help the fish to navigate in it; The riverbed will also give terrestrial animals a safe way to pass under the bridge.

With climate change, Williams says, the momentum for these projects is becoming more urgent.

“We are dealing with increased droughts and wildfires and reduced snow density; all of this translates to changes in habitat,” says Williams. "The animals must be able to move around the landscape, and climate change is only increasing these demands."

Fortunately, this is the time to cross Oregon’s wildlife. In addition to the America the Beautiful Challenge, the Biden Infrastructure and Jobs Act allocated $350 million for a wildlife corridor pilot program, and in March the Oregon legislature passed a bill that would allocate $7 million for wildlife corridor projects, which will be administered by ODOT.

Projects in southern Oregon are likely to attract funding, Williams says, adding that many of the people who lead this part of I-5 recognize the need for a safe wildlife corridor.

“One of the amazing things about working with Wildlife Crossing is that it seems to be supported by just about everyone,” Williams says. "In this day and age where politics is so divisive, it’s refreshing to work on a cause that has such broad support."



Swanson Health launches Swanson W/I/O™ (Wellness Inside Out) product line

Designed to improve sleep, manage stress and support cognition because self-care is not self-centered

Fargo, NDAnd the August 2, 2022 /PRNewswire/- Swanson HealthAnd the A leader in family wellness products since 1969, launched Swanson W/I/O™ (wellness inside and out), Coordinated Mental Health and Nutrient Self-Care Line. The product line was created to help consumers create a "personalized kit" to help connect three important aspects of mental health: stress, sleep, and cognition. More than ever, against the backdrop of a turbulent world, mental health plays an important role in the pursuit of health and well-being in general. as a result of, Swanson W/I/O™ Dedicated to prioritizing mental health and making quality products affordable, accessible and accessible to all. They acknowledge that the concept of mental wellness is highly subjective, and that self-care looks different for everyone at every stage of life.

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SOURCE Swanson W/I/O™ (Wellness Inside Out)



I lost 190 lbs. in 3.5 years by making these healthy food swaps and start working”

My name is Faith Slope (Tweet embed) I am 23 years old. I live in Cleveland, Ohio, and I’m a content creator. compete for Fantastic race It became my goal and my motivation. You got me started Incorporating more nutritious foods into my diet and jogging every week. I lost 190 lbs.

before my current Weight loss Journey, I counted calories, scrambled, and watched my weight for as long as possible. Growing up low on income and busy (I wanted to be in every club), cheap fast food was most accessible and convenient.

All my life I’ve been on the cycle of dieting – restriction and bingeing – over and over again. By the time I was 16, I had gained and lost the same 10 pounds, which I felt a million times over. After a certain point, I stopped weighing myself.

I remember during my freshman year in college, I weighed about 400 pounds. I was only 18 at the time and was afraid of what my health would end up with if I continued down this path.

I was looking for Stimulate I would have been healthy for a while, but things changed when I took a job at my college admissions office as a tour guide during the summer of 2017.

We had a lot of free time, and I decided it would be fun to pass the time by binge-watching a TV show. I opened the Hulu app on my phone and got a new offer suggestion, Fantastic race. There were 27 seasons available, so I started slowly working my way up.

Everything changed since that day. I knew right away that I would do everything in my power to fulfill my dream of competition Fantastic race. I also learned that being over 400lbs and in the position I was in at the time, it would take a complete reinvention to make this dream a reality. I decided that day that I had to recover, so that one day I could compete in the show. (My dream hasn’t come true yet, but it still motivates me!)

As someone who has been on a diet since childhood, the best thing I can do is slow down.

I never removed anything from my diet (carbs, sugar, etc.). Instead, I focused on adding more nutrition from healthy foods. Merge more truly The foods, rather than eating the "bad foods", is what worked for me.

This is what I eat in a day now.

  • breakfast: Superfood Smoothie (Apple, Spinach, Peanut Butter Powder, Chia Seeds, Almond Milk)

  • lunch: Trader Joe’s Thai Shrimp Gyoza, Edamame, Low Fat Twine Cheese, Seasonal Fruits.

  • Snacks: Dried apricots, rice cakes, popcorn, sweet pepper

  • Dinner: Spaghetti squash with meatballs, turkey burgers, and broccoli, or heavy vegetable bowls (brown rice, select meats, peppers, onions, and pineapples)

  • candy: Gorgeous strawberry lollipops, enlightened ice cream, crunchy rice pudding

I also started exercising by walking on the treadmill at a slow pace while watching an episode of Fantastic race.

That hour in the gym was my escape from classes, assignments, and responsibilities. Nowadays, exercises seem to be more intense. I try to run or run four days a week, and I hope to run the first half of this summer’s marathon!

I like the feeling of moving my body every day, whether it’s a YouTube dance workout (EMKFit It’s my absolute favorite) or Walk! I like to work out at my own pace, so doing things on my own always ends up being my choice.

I won’t lie – I entered Management Because I knew that if and when I dreamed of competing Fantastic race Running becomes a reality, running will be a very basic skill. But I found love because I’m able to move my body in a way I’ve never been able to.

These three changes made my weight loss successful.

  1. slow down. I was always trying to speed up my weight loss by cutting out major food groups and limiting insanely. It would work for a week, but then I would lose my binge again. It wasn’t until I started changing who I was (making exercise an important part of my life, learning vegetables and fruits I loved, and incorporating them into my daily diet) that things really changed. I always say to people looking to lose weight, “If you are not ready to change your lifestyle and habits, you are not ready to change at all.”

  2. Listen to your body. I now consider myselfIntuitive eater"Which means I don’t necessarily stick to a set plan of three meals a day. Instead, I listen for my hunger cues. As snacking, this has helped me curb a lot of mindless snacking that I’m used to calling 'mouth boredom'." Sometimes if I haven’t eaten in a while, I’d eat something just because, but now I really listen to my body and ask what it needs.

  3. Learn to love moving your body. I like to tell people looking to lose weight, "If you don’t like running, you can still lose weight and not run a day in your life." Growing up in America, many of us learn to hate playing sports because it’s forced on us. You can lose weight by dancing, swimming, kayaking, walking, and about a million other ways. Find the one you like and do it!

I lost just over 190 pounds, and it took about 3.5 years.

People ask me all the time, "How did you stay motivated for so long?" The truth is, I didn’t. what am I she did It was building habits that I would continue even on the days when I didn’t feel motivated. People think that losing weight should be non-stop exercises and salads, which is not true.

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A behavioral data scientist reveals the gender gap

scan by Nuffield Healthier Nation Index It found that 8,000 adults – nearly 38% of women – had not exercised in the past year, rising to 48% for those aged 16-24. The number was lower for men. The NHS states on its website that a person between the ages of 19 and 64 should do at least 150 minutes of moderate-intensity activity per week or 75 minutes of vigorous activity per week.

So why does this gender gap exist?

There are many factors that contribute to a woman’s inability to exercise regularly.

While the media has covered these statistics about women’s lack of exercise, it fails to mention the other data from the Nuffield report which states that 40% of these women from the study group cited embarrassment as the main reason for not exercising (compared to 29% of men). We know from research that women tend to feel dissatisfied with their bodies. This preoccupation with body idealism is greater in teens and young adults, mainly due to the influence of social media. A meta-analysis of 20 research papers showed that negative body image is closely related to scrolling through social media, especially Instagram.

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Women in particular have negatively compared their bodies to those of celebrities and peers. Across several research studies over the years, we have seen that those teens and adults with a lower body image are less likely to engage in physical activity when compared to those with a higher body image. Even those women who are active and athletic often struggle with the paradox of looking strong and toned but still want the perfect body image.

Dr. Pragya Agarwal

Dr. Pragya Agarwal explores the complex social and emotional barriers women face to exercising regularly

Simon Songhurst

There is also a strong relationship between sportswear and gym design (as well as swimwear) and body image. Modest sportswear It is still hard to find. When clothes do not fit a person properly, and cover most of their bodies, many women can realize that the reason is their body flaw and not the clothes. This can then manifest in the form of negative feelings about their bodies, which can prevent them from being motivated to exercise.

While in the last year we have started to see more companies designing and promoting sportswear for various bodies, many of these brands are very pricey and only hit size 18 which does not include the size. Classifying these sizes as "plus" can reinforce the stigma that accompanies larger body size than ideal.

“Mothers spent 1 hour and 5 minutes in active childcare while fathers averaged 25 minutes.”

Gyms and swimming pools can also be intimidating places – I know this from experience. I find it hard to go to these places as a relative and novice, someone who is completely unfit and can’t hit the treadmill or do endless miles in the pool. unless You have the right clothes, and fit body, it is very easy to feel like an outsider. And this lack of inclusion—in sportswear design, the culture that has developed in some gyms and swimming pools—can lead not only to embarrassment but also to a lack of motivation to go to the gym, run, or swimming.

A woman learning to dance moves in the classroom

Luis AlvarezGetty Images

Then there is road running which is always free and available to everyone. Well, approx. A 2021 Runner’s World survey of more than 2,000 women found that 60 percent of women had experienced harassment while running. Among these women, nearly 25% also reported that they were regularly exposed to sexist comments or unwanted sexual attempts while running alone. And 6% said they even feared for their lives. 37% of women shortened their running to the specified daylight hours, and 11% stopped running altogether. Many stop running regularly. Four out of five women have had I found it unsafe to go out after dark on your own for a walk or run.

Some may wonder why women don’t use daylight hours. That’s because women tend to bear a lot of the emotional and physical burden of parenthood in a marriage or heterosexual partnership. Data from the National Center for Social Research collected using time use diaries for fathers and mothers with children under 16, found that mothers spent an average of about 2 hours and 21 minutes cooking, cleaning and other household chores while for men that figure was about Only 57 minutes. Mothers spent 1 hour and 5 minutes in active childcare while fathers averaged 25 minutes per day.

This unequal, unpaid work has increased in particular over the past two years under the pandemic. A study conducted by the University of London’s Institute of Education (IOE) and the Institute of Fiscal Studies in 2020, showed data from 3,500 families with heterosexual parents, and found that mothers looked after children during an average of 10.3 hours of the day (2.3 hours more than fathers). Women also did 1.7 hours more household chores than fathers. So where on earth have the time to exercise?

"It is becoming more difficult for women to engage in any rigorous physical activity"

Most of the women who responded to my tweet about it said that looking after the kids, running after them, and lugging cleaning gear around is stressful work, there’s no energy, and they don’t have any time left to think about joining the gym or going out for a run. . Moreover, the only time they reach themselves is after the kids have gone to bed (i.e. they look like my baby and don’t sleep before 9pm!) when it’s too late and unsafe to run or too physically and mentally exhausted to think of any physical activity

Healthy woman doing yoga at home

JLco – Julia AmaralGetty Images

If we look at just the past year, another factor that played a role in restricting women’s physical activity is the effects of Covid. Research has indicated that women are much more likely than men to experience prolonged Covid. From 1.3 million people across more than 600,000 research articles published between June 2020 and 2021, it was observed that for prolonged Covid-19, women were more likely to have the condition, with an OR of 1.22 (95% confidence interval, 0.75 to 0.93). 22% more men showed a variety of symptoms including fatigue symptoms which were observed to be less common in men.

While this is the case, as I discuss in my next book hystericalGender bias still exists in our health field, so women’s pain and condition are often overlooked and ignored with women being described as hysterical and extremely sensitive. This has also caused some of these symptoms to persist for weeks and months. With the prolonged Covid disease, it has become difficult for women to participate in any rigorous physical activity.

Black mother doing yoga with a baby in the living room

JGI / Jimmy GrillGetty Images

So, yes, exercise is important and both men and women should be encouraged to do as much physical activity as possible. But rather than using this report as another stick to beating women up, attributing all their mental and physical problems to a lack of adequate exercise, a more nuanced discussion is needed that examines the barriers to exercise. Lack of resources, time and energy seem to be the main factors. Once we start to have a more cross-cutting, inclusive, and honest conversation about how women can take up some form of exercise even when they think—and have been told—that they’re not an athlete or think they’re unlikely to be good at it, we can make more women They engage in sports (and men do, too). It is never too late to start.

"There is a need for a more nuanced discussion examining barriers to exercise"

Some of us have been brought up to believe that we are not athletic and thus have moved away from any kind of sport or physical activity as we got older. I recently started tennis lessons, got rid of some of my embarrassment about starting a sport I might not be good at, and Wear active sportswear I don’t feel comfortable in it. Besides these hurdles, and the fact that I don’t have time to do this regularly, it has been nice to take these tennis lessons once in a while. They gave me the belief that we can all be athletes and do most sports at any age we like.

Dr. Pragya Agarwal is an author, behavioral data scientist, and her next book Hysterical: Exploding the Myth of Gender Emotions Available September 1 with Canongate and available for pre-order.

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Should you work during medical school? | Medical College Admission Doctor

Many students worry about how to pay for their education, particularly during periods of inflation and worries about a possible economic recession. According to the Association of American Medical Colleges, the average medical school debts For 2021 graduates, it was $200,000 — excluding college debt — and most schools continue to increase tuition.

Most medical school deans of student affairs will suggest that medical students not take a job. Faculty of medicine It is your job. There was an old saying that you were married to a med as soon as you started med school. I remember saying after graduation that I was glad I chose to go to medicine, but glad I didn’t know how much it would be like to work in medical school before I started.

During my college years, I held up to four part-time jobs at one time. During medical school, I didn’t take a job unless you count work during breaks.

Looking through the four years of medical school for additional employment time puts the hurdles in the spotlight.

The first one and a half to two years, in particular, is a lot of effort, with massive amounts of work and often the first board test. Then you sign up for the clerks, often the weekend or the night Hospital responsibilities It interferes with many functions.

Your first year, residency applications and interviews will take additional time. However, since the COVID-19 pandemic, virtual interview It may give you more wiggle room to look for part-time work if there is flexibility. Remember, too, that this residency match is in March and is often followed by an apartment search on the weekends before graduation. "Free time" is often devoted during the final year to completing research projects and writing scholarly articles.

There are many considerations before jumping into a job. The first thing I would suggest is to get a very clear idea of ​​the budget, and do it early. Anticipate rent, food, transportation, tuition, and other necessary expenses. Schools generally provide this information online.

If you can’t find the budget information you need, ask the Dean of Student Affairs or a Financial Aid Officer. Once you assess any deficiency you might expect Pay for med schoolAsk about scholarships or scholarships available to you. Don’t be shy about this.

If your financial situation is unhealthy, tell them why. Your parents may or may not be able to pay for any reason. Perhaps your school debt from your undergraduate program is too high. Yes, you would have provided this information earlier to the medical schools, but you can plead your case again. No Mead school official would want to see students suffer, and would make wheels in a bid to get funding from one donor or another to help.

Suppose this attempt fails and you have to look loans. There are low-interest federal loans and higher-interest private loans. You really want to avoid the latter—although some loans have lower rates for applicants with great credit history—and make sure you’re clear about that incalling dialogue. Student loan debt forgiveness Or cancellation occurs in some cases, but it is not a guarantee.

My advice to first-year medical students who decide they should work no more than four hours initially. See how it goes for one semester. Talk to upper class students at all levels and ask about their work experience.

Don’t fool yourself into thinking, "I was a full-time student in the past and can handle 20 hours exactly as I did before graduating from college." forget that. You’ve never been with so many smart students as you will see in medical school.

If you find that four hours have gone well and you don’t have to give up sleep or exercise, increase to eight. Just be careful not to overdo it with work and academic backwardness. If you do and have to extend your time in medical school, it will cost you a lot of tuition, rent, food, transportation, and other expenses.

It is also important to think about the type of jobs that will give you a good return and the time in which you can work. Students who train others to MCAT They can control their time more easily and earn decent money.

Research can be an excellent option, and if you study competently you may be able to increase these hours while building good relationships with faculty. You may already have the skill set that many basic investigators need, which puts you at the top of their list of job possibilities.

Most professors who do research know that medical students are motivated and are likely to view their applications for these positions very positively. Looking at online job sites at your school and hospital, networking with upper-class students and seeking advice from faculty are productive ways to locate these jobs.

Waiting tables and watering at higher priced restaurants can be lucrative, but they may reduce the time you sleep or study. Jobs that cause sleep delay or shortness are worrisome, because sleep deprivation can lead to depression in vulnerable individuals. depression and anxiety Not what you want to provoke in medical school. Low energy, poor concentration, low grades, and a variety of other consequences from depression or anxiety aren’t worth the extra money.

If you are waiting for tables or a waiter, ask for shifts on Friday and Saturday, allowing for minimal conflict with the initial study periods.

There are many challenges in medicine, but the profession brings a lot of satisfaction and meaning to life. When preparing in medical school, especially during tough financial times, seek grants and scholarships from all available avenues as a first step. Second, tighten your budget. The money saved now will be worth it later when you think about taking out loans in the future.

Financial aid officers can teach you many ways to save money. Ask for money gifts for birthdays, holidays, and graduations. Don’t interrupt your sleep more than the medical curriculum requires. If you take care of your body, it will serve you well in the years to come. Be thoughtful and careful about taking on more responsibilities than you can reconcile.

If you’re doing a job, step away on your fingertips at the surface end first before committing several hours. You want to succeed in medical school and beyond, and remain healthy as a good role model for your patients.



5 things to know before the stock market opens on Tuesday

Here are the most important news that investors need to start their trading day:

1. Stock futures in red

Traders work on the floor of the New York Stock Exchange (NYSE) in New York City, June 30, 2022.

Brendan McDermid | Reuters

US stock futures fell on TuesdayInvestors are concerned about simmering geopolitical tensions between Beijing and Washington ahead of House Speaker Nancy Pelosi’s expected visit to Taiwan. Treasury returns As Tuesday slippedwith the standard 10-year treasury bonds It is trading as low as 2.516% as investors flock to perceived US government debt. Stocks in China and Hong Kong Tuesday stumbled, too, and the yenWhich is considered a safe haven currency, strengthened further. On Monday, Wall Street’s major stock indexes closed in the red, breaking their three-day losing streak.

2. It is said that Chinese warplanes are flying close to the dividing line of the Taiwan Strait

Photo of House Speaker Nancy Pelosi holding her weekly press conference on Capitol Hill on Friday, July 29, 2022 in Washington, DC. US House Speaker Nancy Pelosi is expected to arrive in Taipei later on Tuesday, a source familiar with the matter told Reuters, as several Chinese warplanes flew near the line dividing the Taiwan Strait.

Kent Nishimura | Los Angeles Times | Getty Images

Chinese warplanes Flying close to the center line in the Taiwan StraitReuters reported on Tuesday, citing a source. Beijing has warned Pelosi against visiting Taiwan, an autonomous island claimed by China. Pelosi is touring the region, but her expected visit to Taiwan has not been officially announced. Tensions between China and Taiwan was increasing In the last years.

3. Uber Reported Another Big Loss, But Stocks Soared

Uber CEO Dara Khosrowshahi speaks at a product launch event in San Francisco, California on September 26, 2019.

Philip Pacheco | AFP via Getty Images

shares Uber Technologies Jumped on Tuesday after the delivery and food company reported Quarterly revenue better than expected. Uber’s second-quarter sales came in at $8.07 billion, well above analysts' forecasts of $7.39 billion, according to Refinitiv. However, Uber reported a net loss of $2.6 billion for the quarter, including $1.7 billion as a result of a revaluation of its investments in Grab Aurora and Zomato. Total losses from operations for the quarter ended June 30 were $713 million, but the company reported positive free cash flow of $382 million. In May, CEO Dara Khosrowshahi told employees in a note that cash-flow positivity had become an important near-term goal.

4. Oil companies boost dividends

The BP logo is photographed in London on May 12, 2021. The International Energy Agency recently reported that 2021 saw energy-related carbon dioxide emissions rise to their highest level in history.

Glenn Kirk | Afp | Getty Images

British oil giant BP US shale producer Devon Energy reported strong quarterly earnings and increased dividends, as higher crude oil prices this year helped companies boost their capital return programs. bb that on tuesday Reported second-quarter profit of $8.5 billion, raised its quarterly dividend 10% to 6,006 cents per common share. Devon Energy, which turned on Monday Q2 results are better than expected Above and below, reports a 22% increase in dividend payouts. Using a fixed plus variable dividend strategy, Devon’s quarterly payout is now $1.55 per share, up from $1.27.

5. Pinterest jumps. An activist company says it is the largest shareholder

Online photo board banner Pinterest Inc. Hanging from the New York Stock Exchange (NYSE) on the morning of Pinterest’s initial public offering on April 18, 2019 in New York City.

Spencer Platt | Getty Images News | Getty Images

Pinterest shares are up nearly 18% in pre-market trading on Tuesday, a day after the social media company reported quarterly earnings and revenue that fell short of Wall Street expectations, and guidance for the current quarter was weaker than expected. While Pinterest’s monthly active user decline wasn’t as bad as feared, the company’s results nonetheless show the challenging operating environment for the social media name right now. PinterestStocks may react to news that activist investor Elliott Management on Monday She revealed that she is the largest shareholder in the companytouting the "value creation opportunity" you see.

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Recession may have already begun 'end of last year': Economist

The US economy could have entered into a range Recession Before the calendar turns to 2022.

“I wouldn’t be surprised if they did [the National Bureau of Economic Research] actually pushed the onset of the recession until the end of last year,” Vincent Reinhart, chief economist at Dreyfus Mellon, who spent Spent 24 years In various research roles at the Federal Reserve, on Yahoo Finance Live (video above). "So we may end up being in one of the longest downturns on record."

The National Bureau of Economic Research (NBER) relies on Six primary data sources for making this official decision A recession, which the nonprofit private research organization defines as “a significant decline in economic activity that spreads throughout the economy and lasts more than a few months.”

Bureau of Economic Analysis (BEA), which is seen as an unofficial recession indicator, He said last week GDP for the second quarter fell 0.9% as consumers and businesses held back on their spending due to rising inflation. This marks the second consecutive quarter of economic contraction after the first quarter’s GDP decline of 1.6%. Two consecutive quarters of GDP is generally considered contraction.”Technical slack. "

Slacks 'always chaotic'

Recent Earnings Warnings From popular retailers like Walmart and Target, lackluster consumer confidence readings and weak manufacturing data are adding fuel to the recession talk.

“There are plenty of reasons to believe the recession will not be as deep,” Reinhart said. “Recession cleanses excesses in the economy. We haven’t arranged many excesses. But it is always messy. We will learn something about someone’s balance sheet. We don’t know who it is. I don’t know what we are going to learn. But it won’t be fun. It happens every time.”

NBER has not announced that the US economy has achieved a level precise threshold To announce the official recession, and any Advertising In general it lags behind the stagnation experience.

The organization said: "The definition of the National Bureau of Economic Research confirms that a recession involves a significant decline in economic activity that spreads throughout the economy and lasts more than a few months." His website. “In our interpretation of this definition, we treat the three criteria—depth, prevalence, and duration—as being more or less interchangeable. That is, while each criterion must be satisfied individually to some extent, the extreme conditions disclosed by a single criterion may partially compensate. Weaker indicators on the other hand."

A character representing the Anaheim Ducks performs during a pre-game show before a game between the Ducks and the Vegas Golden Knights at the T-Mobile Arena on December 31, 2021 in Las Vegas, Nevada.  (Photo by Ethan Miller/Getty Images)

A character representing the Anaheim Ducks performs during a pre-game show before a game between the Ducks and the Vegas Golden Knights at the T-Mobile Arena on December 31, 2021 in Las Vegas, Nevada. (Photo by Ethan Miller/Getty Images)

Some of Reinhart’s street peers were not sold that these conditions had been met.

“For us, the main things we focus on are the continued strength in the job market,” global market strategist at JP Morgan Elise Osenbau He said on Yahoo Finance Live last week. “Looking at the components of GDP, the fact that consumers are still spending in real terms and things like credit card arrears remain at all-time lows is an encouraging sign that while the window is narrowing, we are not yet in that recession — kind The scenario we are watching is likely to happen.”

Brian Suzy It is a comprehensive editor and Announcer at Yahoo Finance. Follow Suzy on Twitter Tweet embed and on LinkedIn.

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What’s next for the US housing market

While some buyers have moved forward, others have put their home search on hold or have given up entirely because high costs have made ownership out of reach.

But as Recession fears For the larger economy on the horizon, the housing market is showing signs of slowing. New Build Home Sales lowest Construction is stalling. Existing home sales Projection And heading below 2019 levels, with mortgage rates still above 5%, applications for it have fallen Lowest level At 22 years old.

“Affordability is the biggest issue in today’s housing market, and higher rates will make that worse on a monthly basis,” said Skylar Olsen, chief economist at Zillow.

Mortgage rates will stabilize

The biggest surprise for those looking to buy a home during the first half of the year was how quickly mortgage rates rose. 30-year fixed-rate mortgage rates rose from 3.22% at the beginning of January to their highest level, so far this year, at 5.81% in June, according to Freddie Mac. In recent weeks, average rates have stabilized at around 5.5%.

What will my monthly mortgage payment be?

“Someone who buys the same home today they wanted to buy last year will see a 50% increase in their monthly payments,” said Lawrence Yun, chief economist at the National Association of Realtors. "People’s income isn’t going up 50% a year. Homebuyers are frustrated. This year, they’re in complete disbelief that they don’t have the money to buy at a 6% mortgage rate."

The cost of home financing is so great that nearly 15% of people who signed a contract to buy a home in June have fallen back on it, according to Redfin. This is the highest share of canceled home sales since April 2020, when the market almost came to a halt due to the pandemic.

But Yoon said that while mortgage rates may rise or fall in the coming months, the biggest jumps have already taken place.

"Maybe we’re outpacing mortgage rates," he said.

Yoon noted that mortgage rates may have already "set" current and future interest rate hikes by the Fed. He expects mortgage rates to stabilize near 6% by the end of the year and home sales to return to normal once mortgage rates become more stable.

Inventory will rise from last year

With the market slowing down, potential buyers who continue to look for a home will have less competition and more homes to choose from, providing more breathing space than the frenetic market of the past couple of years.

Economists were largely on track with their home price forecasts for the first half of the year — with annual price growth peaking in the spring and moderating as the year progressed. The number of sales at this point in the year is well below expectations, said Jeff Tucker, an economist at Zillow.

"Sales volumes are much more affected than prices," he said. "Buyers have been on a mortgage rate hike for longer than we thought – which kept prices high. But some buyers are starting to pull back."

Yoon said he expects 2022 sales to be about 13% lower than last year.

The upshot, Tucker said, is that as sales volume continues to fall, inventory will rise.

The increasing demand for buying a home over the past two years has led to a record decrease in the number of homes to be purchased which has led to an increase in prices. In June, the stock experienced its first annual turnaround in three years. The number of homes for sale at the end of June was up 9.6% from May and 2.4% from a year ago, according to NAR.

Home prices will rise more slowly

Average home price a record high $416,000 in June.

But the pace of price growth has been slowing recently. Median existing home prices rose 13.4% in June from a year earlier, compared to a 23% increase in home prices in June 2021, according to NAR.

How many homes can I afford?

In addition, the prices for building new homes are already falling. The median sales price for a new-build home fell to $402,400 in June, down from $444,500 in May, according to the U.S. Census Bureau and the Department of Housing and Urban Development.

“This is the biggest crack to date in home price inflation,” said Robert Frick, corporate economist at Navy Federal Credit Union. "If current home prices follow suit, we may finally see a break in the annual increases that have driven millions of Americans out of the housing market."

New construction homes make up approximately 10% of transactions and existing homes and the other 90%. And the prices of the vast majority of the market will not fall.

Yoon said he expects home prices to rise 11% this year. This is less than 16.9% year-on-year increase From 2020 to 2021, but more than what he expected in beginning of this year.

As higher mortgage rates lower buyer demand, inventory will rise and sales will fall, helping prices moderate for the rest of this year.

"Homes may stay on the market longer, and there will be more properties with price cuts," Yoon said. "Buyers doing deeper homework may be able to find a home at a lower price or have a better price negotiation."

Affordability will remain a challenge

Home affordability is the worst since 1989, with the exception of the housing bubble from 2004-2008, writes David M. Report of the National Housing Conference.

But during the housing bubble, the lack of affordability was driven by mortgages that offered attractive interest rates as low as 1%, which were reset to a level that homeowners could not reliably pay. And in the 1980s, home prices were not so affordable because of incredibly high interest rates – with fixed 30-year mortgage rates running from 9% to more than 18%.

The researchers wrote that today’s market is different. “High housing costs are driven by the combined effect of apparent production shortfalls between 2008 and 2020, housing supply chain failures since 2020, and increased demand since 2020.”

Should I rent or buy a house?

This is not likely to change much by the end of the year.

New home construction stopped While builders are waiting to see how well the current supply of homes sells for before launching more construction work.

Sam Khater, chief economist at Freddie Mac, said he expects homebuyer demand to continue to slow to a more normal pace of activity — but the ability for many people to buy a home will remain challenging.

"The Fed’s action to help manage inflation has created significant volatility in mortgage rates and, by extension, the housing market," Khater said. "Although home prices will grow at a more moderate rate, home prices remain high relative to homebuyers' income. Combined, these factors exacerbate affordability challenges and cause a slowdown in the housing market."



Mortgage and Refinancing Rates Today: August 2, 2022

Mortgage rates have been trending downward over the past few days, with 30-year fixed rates dropping dramatically. At the end of July, the 30-year average fixed interest rate fell below 5% for the first time since early June.

Interest rates have been volatile in recent weeks with growing fears of a looming recession.

Even with prices dropping, many potential homebuyers are having a hard time finding affordability in the still-hot housing market. If you’re looking to buy but struggle with rising home prices, be open and avoid the temptation to incur monthly payments that make your budget too tight.

Steve Kaminsky, President of US Home Lending at bank 💰. “You can also reduce the impact of inflation by re-evaluating the things you should have against the nicer things in the house when you start looking.”

Today’s Mortgage Rates

Refinance rates today

Mortgage Calculator

use Free Mortgage Calculator Find out how today’s mortgage rates will affect your monthly and long-term payments.

Mortgage Calculator

Estimated monthly payment

  • pay 25% It will give you a higher down payment USD 8,916.08 on interest charges
  • Reduce the interest rate by 1% will save you $51.562.03
  • Pay extra 500 dollars Each month would reduce the term of the loan by 146 months

By plugging in different time periods and interest rates, you’ll see how your monthly payment can change.

Are Mortgage Rates Rising?

Mortgage rates have started to rise from historical lows in the second half of 2021 and have increased significantly so far in 2022. More recently, rates have been relatively volatile.

In the last 12 months, The consumer price index increased by 9.1%.. The Fed is working to control inflation, and plans to increase the federal funds target rate three more times this year, after increases in March, May, June and July.

Although not directly related to the federal funds rate, mortgage rates are sometimes raised as a result of higher Fed rates and investor expectations about how those hikes will affect the economy. If inflation remains high, mortgage rates may remain at their current levels or even trend upward. But as the likelihood of a recession increases, mortgage rates can fall.

What do high rates mean for the housing market?

When mortgage rates rise, the purchasing power of home shoppers declines, as a greater portion of the projected housing budget must go to paying interest. If prices rise enough, buyers can exit the market altogether, which cools demand and puts downward pressure on home price growth.

However, this does not mean that housing prices will fall – in fact, they are It is expected to rise More this year, at a slower pace than we’ve seen in the past two years.

What is a good mortgage rate?

It can be difficult to know if a lender is offering you a good rate, which is why it is so important to get pre-approved with several mortgage lenders and to compare each offer. Apply for pre-approval with at least two or three lenders.

Your rate is not the only thing that matters. Be sure to compare each of your monthly costs as well as the initial costs, including any lender fees.

Although mortgage rates are heavily influenced by economic factors beyond your control, there are a few things you can do to help ensure that you get a good rate:

  • Consider fixed rates versus adjustable rates. You may be able to get a lower introductory rate with an adjustable mortgage, which can be good if you plan to move before the introductory period is over. But fixed price may be better if you Buy a forever home Because you won’t risk the price going up later. Look at the rates offered by your lender and weigh your options.
  • Look at your money. The stronger your financial position, the lower your mortgage rate. Find ways to boost your Balance level or lower your Debt to Income Ratio, if necessary. saving up push down Also helps.
  • Choose the right lender. Each lender charges different mortgage rates. choose the right Your financial situation will help you get a good price.


Texas Competition Seeks Women Owned Business – NBC 5 Dallas Fort Worth

The Governor’s Committee for Women’s Affairs It is preparing for its annual initiative to support women entrepreneurs across the state.

Over the next two months, it will mark a comeback Women-owned business chain for 2022, in partnership with the Beacon State Fund.

Texas ranks third among all states for women-owned businesses, with nearly one million people. In 2020, Texas was named the #1 Female Owned Business for Business in 2020 and has five of the Top 50 Fastest Growing Female Owned and Driven Businesses.

Small businesses across the state will be able to participate in two different opportunities: an annual presentation competition and a series of free webinars.

“The wealth of knowledge we bring together as a commissioner will inspire and empower women across Texas,” said Amy Henderson, vice chair of the Governor’s Commission on Women’s Affairs. “There is really something for all industries to participate in and gain something from the experience, as well as enter the pitch competition. Opening up opportunities for the younger generation of entrepreneurs through the Junior Pitch competition is something we are very proud of and are very excited to see who advances from among all ages.”

stadium competition

female business leaders from Each region of the state You have the opportunity to enter into stadium competitionand potentially a $7,000 prize from the Beacon State Fund.

The judges look to identify the creative ways in which entrepreneurs and business owners tackle challenges and devise creative strategies as solutions.

Click here to fill out the application.

Click here to find out more information about the requirements. The deadline is July 31 at 11:59 PM Cairo time.

UNHCR also discloses a small pitch competition For the first time ever, in partnership with lemonade day and the State Beacon Fund, to promote entrepreneurship among the state’s smaller business minds. The new partnership with Lemonade Day aligns with the mission of its program, which teaches young people how to start, own and operate their own business: a lemonade kiosk.

The prize for entry-level winners is $1,000.

Finalists from each region will be invited to give a live presentation to the judges on the exact day mentioned below. Finalists will present immediately after the Women Owned Business Series event.

Wednesday August 31, 2022: East Texas
Wednesday 7 September 2022: West Texas
Wednesday, September 14, 2022: North Texas
Wednesday, September 28, 2022: Central Texas
Thursday October 6, 2022: South Texas

business series

The Governor’s Commission for Women was established in 1967 to serve as a champion and resource for women throughout Texas. It specializes in providing leadership through outreach, education, research and referral services. Specifically, the commission focuses on promoting opportunities for women-owned businesses in Texas.

This year, the commission will host a series of educational webinars for each area of ​​Texas with the goal of sharing information about resources for women-owned businesses and women entrepreneurs.

The first four events in the series will take place in virtual form, with the fifth and final event climaxing in person. Each session focuses on a core topic, as well as highlighting the resources available to small women-owned businesses and entrepreneurs that may be untapped or unknown to community members.

“We wanted to be able to reach as many women and business owners as possible to give them resources and tell them there is hope and help — and provide great resources through our webinar series,” said Natalie Parker, chair of the Governor’s Committee for Women. .

The webinars are free and open to communities across the state and cover the following topics:

  • Wednesday, August 31, 2022: Legal and Accounting Considerations for Small Businesses (Default)
  • Wednesday, September 7, 2022: Financial Planning and Supply Chain for Small Businesses (default)
  • Wednesday, September 14, 2022: Marketing your small business (virtual)
  • Wednesday, September 21, 2022: Burnout Management and Employee Retention for Small Businesses (default)
  • Thursday October 6, 2022: South Padre Island Governor’s Small Business Series In Person – Honoring Women Owned Businesses

Click here to register for the webinars.

Parker said it’s important for small business owners to seize the opportunity to get resources from the commission, especially as the pandemic and rising inflation present more challenges.

"I’m a fellow entrepreneur," she said. "And I understand how powerful permanent change is, especially now, to own a business." “It is never easy but it is a time when we need to immunize together. Be a community. We have to come together because the only way small businesses can survive is if the community supports their neighbours.”

She encourages female entrepreneurs across Texas to find help, too Small business resource portal for the new portfoliowhich was launched in March 2021.