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Spread love everywhere you go. Let no one ever come to you without leaving happier. - Mother Teresa
Health: California Governor Gavin Newsom has signed two significant pieces of legislation aimed at transforming the state's mental health system and addressing its worsening homelessness crisis.
The proposals will be put before voters in 2024. However, the proposals require approval to borrow billions of dollars through a bond to fund the initiatives. The measures would allow the state to borrow $6.38 billion to create new treatment beds, housing, and outpatient treatment slots, serving up to 100,000 people annually. They would also revamp how counties finance mental and behavioral health programs.
The reforms aim to make a significant impact on California's growing homelessness crisis and represent the first major update to the state's mental health system in 20 years. At the moment, this sounds like good news, but it’s always good to read the fine print.
Home: On Thursday, real estate stocks, tracked by the Real Estate Select Sector SPDR Fund (XLRE), saw losses exceeding 1%, breaking a six-day winning streak and reversing earlier gains. This shift was due to growing risk aversion in global markets following unexpectedly high inflation rates in September. (We’ve all been feeling that, am I right?!)
Additionally, there was concerning news regarding mortgage rates. The average rate on a 30-year fixed mortgage reached 7.57%, marking the highest level in 23 years, and the rate on a 15-year fixed mortgage also increased.
It seems like we’ll need to wait things out for the rates to drop and stabilize on the real estate front.
Education: AI homework companion? That may not be too far off in our children’s futures. While these AI helpers aren’t around just yet, the possible applications are intriguing enough to some pioneering entrepreneurs.
Just exactly how this will take place (perhaps in the form on an education centered around AI learning helpers as Forbes suggests) remains to be seen, but it’s an interesting frontier that more than a few are sure to explore.
Yep, it’s nearing the end of 2023 and we’re still talking about inflation. 🤦♀️
Inflation is driven by high gas and rent prices, and factors like motor vehicle insurance, eggs, poultry, meat, fish, alcoholic beverages, electricity have seen price increases. (We’ve all felt it.)
Inflation in September remained at 3.7% year-on-year, slightly higher than economist predictions. The upside here is it’s significantly lower than the 8.2% recorded last year and the 9.1% we had in June 2022.
The Core Consumer Price Index (CPI), which excludes volatile food and energy prices, slowed to 4.1% from 4.3% the previous month.
Thankfully, the Federal Reserve has been working to control inflation with high interest rates. While they didn't approve another interest rate hike, they haven't ruled out the possibility of one so there is at least that.
Also, it’s a good idea to shop around for higher interest rates on savings accounts and continue regular investing for long-term goals.
Investments Worth Watching
Delicious luxury wine sent straight to your doorstep. That’s o pipe dream! That’s what Boxt offers to it’s members.
Their latest round of funding garnered $9,350,000 as they grow their offerings to wine lovers.
💪 What they do: Offers hand-crafted and luxury wine that ships directly to its members.
📍 Location: Austin, Texas, United States
📅 Founded: 2017
🤑 Funding: $9,350,000 (2021)
Get Rec’d
Perry Firekeeper-Birch has always embraced her identity as the laidback twin, a bit of a troublemaker, and the top fisher on Sugar Island. Her ambitions never lead her far from home, and she wouldn't have it any other way. However, as the troubling increase in missing Indigenous women hits closer to home and her family gets entangled in a high-profile murder investigation, while grave robbers aim to exploit her Anishinaabe tribe's heritage, Perry starts to question her life.
This intriguing story follows Perry who is left with no choice but to take matters into her own hands. She relies on her friends and allies, including her overachieving twin and a morally upright newcomer in town. Old rivalries, family secrets, and bungled heists won't deter her from uncovering the mystery before it's too late for the ancestors and the missing women.
😋 MMM, Yummy!
Looking for crowd-pleasing dinners so you don’t have to prepare a different meal for everyone at the dining table? Yeah, we’ve been there. Here are 5o ideas that the whole crew is sure to love.
Shredded, Saucy BBQ Chicken Sammies
Instant Pot Salmon with Garlic Potatoes and Greens
Spaghetti and Meatballs
Alfredo Shrimp Scampi Dump Dinner