• Online prescription providers are more interested in your hairline than your health

    Photo collage a man getting sucked in to a computer.

    Paul got his first bottle of pills from Hims in May. He said he didn't really need the generic Viagra, but after a friend bragged that he'd been using it for years to "go multiple rounds," Paul figured he'd give it a shot. So he signed in to Hims and found that the process of getting it from the direct-to-consumer telehealth company was almost disturbingly easy. Paul, who's in his early 40s, answered some multiple-choice questions online, a doctor supposedly reviewed his responses, and then a bottle of pills showed up in the mail a couple of days later.

    He's used the drug twice, though it doesn't really work how he thought it would. Nobody had explained what to expect, which probably wouldn't be the case in a regular healthcare setting. When I asked Paul (a pseudonym) why he didn't just go to his regular doctor for the issue, his answer was succinct: "Speed, convenience, positive my doctor would say no." His primary-care provider had mentioned a while back that he thought Viagra was overprescribed.

    The direct-to-consumer health industry has exploded in recent years. The pandemic accelerated the rise of telehealth, which these DTC companies are a part of both culturally and legally. Grand View Research estimates that the global telehealth market was worth $101.2 billion in 2023 and that it's growing rapidly. Multiple startups have popped up to capitalize on this growth, with venture capital and investor dollars flowing in. Hims & Hers Health has a market cap of over $4 billion. Ro, one of the other main players in the industry, has raised over $1 billion and has a valuation of $6.6 billion, according to PitchBook.

    These companies sell a wide array of products to help with everything from weight loss to mental health. Much of their business proposition, however, is targeted specifically at young men and, more specifically, at their insecurities. Are you worried about your hairline? Your fertility? What about getting an erection? Are you scared to talk to a doctor face-to-face about any of this? Well, Hims promises you can "skip the awkward doctor visits" and offers "ED meds from your couch." A "healthy, handsome you" is only a click away.

    "These platforms are basically set up to minimize the distance from advertising and hooking the consumer to getting a prescription in their hand," said Matthew McCoy, an assistant professor in the Department of Medical Ethics and Health Policy at the University of Pennsylvania. "The advantage of that is efficiency — people, understandably, don't have a lot of time always to spend on these sorts of things. The downside of that is risks that you're not making fully informed decisions or that the kind of advice that you're getting is being colored by the company's financial incentives rather than a doctor's honest opinion of what's in your medical best interest."

    Those at the forefront of the DTC health revolution have American guys right where they want them: insecure, on edge, and ready to open their wallets.


    There are some variations in how these services work, but the gist is this: You go to a website (probably because you saw some ad for it), fill out a questionnaire about your condition, maybe chat with a doctor (though often you don't), and then voilà, a prescription is on its way to you in what's promised to be discreet packaging.

    "It typically bypasses traditional healthcare settings, and often there's little to no involvement of a healthcare provider," said Ashwini Nagappan, a doctoral candidate at UCLA's Fielding School of Public Health who has studied DTC medicine and ethics.

    There is some altruistic appeal: DTC medication services can help with access for people who live in remote areas or can't easily get to a doctor. But for many clients, and especially young men, the upside is that it's simply more convenient than a traditional appointment.

    "In general, men are less likely to utilize healthcare when compared to women," said Joshua Halpern, the chief scientific officer at Posterity Health, a male-fertility clinic, and an adjunct assistant professor of urology at Northwestern University's Feinberg School of Medicine. "And we know that many young men don't even have a primary-care physician to begin with, so the process of establishing care can be daunting, especially when it can take months to get an appointment."

    Even if they do have a relationship with a medical provider, it may not be the type where they feel comfortable bringing up sensitive or stigmatized issues. Research indicates that when it comes to seeking care for sexual-health concerns, privacy is a primary consideration for young men. A review of literature on DTC telemedicine and men notes that men who use DTC platforms cite convenience as an important motivation, as well as embarrassment and discretion. Financial factors, interestingly, aren't very much in play. A survey conducted in late 2019 and early 2020 found that men under 40 and in the middle-income range were likelier to use DTC telehealth services than older, wealthier men.

    While DTC services may help with timely access and do some work on destigmatizing certain issues, there are substantial drawbacks. Men using these services might not get the comprehensive evaluation they need to uncover underlying conditions and address their overall health, Halpern said, and they may not be seeing a healthcare provider who is most appropriate for managing their condition.

    "They can also end up paying more for care that would be more affordable elsewhere or even covered by their medical insurance," he said.

    His research suggests that some platforms may also be providing what's known as guideline-discordant care, meaning patients are getting unnecessary tests and inappropriate treatments, such as testosterone replacement for men who are trying to conceive, which can be detrimental in some cases. Plenty of doctors have sounded the alarm about DTC telehealth companies, and some firms have gotten into legal trouble, too. The Department of Justice has charged the leaders of the ADHD-focused telehealth company Done with fraud over its Adderall prescription practices and advertising.


    For all the issues with DTC companies, it's fair to note that traditional healthcare settings are far from perfect. Patients can lie to their doctors in person. Providers don't always have a full view of their patients' health or everything they're taking. Navigating insurance and appointments is a hassle. But handing out drugs in a faceless manner across the internet is markedly different from what has happened in healthcare historically, and it presents different risks.

    These companies are in the business of selling drugs.

    "When you're in person or you're doing telehealth through a more established healthcare entity, there is a little bit more collection of your medical history," Nagappan said.

    While DTC platforms say they serve a valuable purpose in getting young men to address medical needs they would otherwise ignore, the monetary factors involved are different from those at a regular physician's office.

    "These companies are in the business of selling drugs," McCoy said. "A medical provider ideally is in the business of providing the best medical care, which sometimes involves writing prescriptions for drugs, but sometimes involves alternative modalities or nothing at all."

    One man who got generic Viagra through Hims told me he went through the platform to avoid the "8 million" questions his doctor would ask — and he knew he'd probably be approved. "I mean, whenever you deal with these drug companies that are trying to do direct-to-consumer, you've got to know that their doctors are just checking a box," he said. "They're not going to give you too much crap. If you have a pulse, they're going to give you a prescription." (He was also concerned about privacy, but he said the packaging wasn't as discreet as he'd hoped — "Hims" was on the shipping label, and he knows his mail guy.)

    These companies make money if you buy something, and it's even better if you set up a recurring subscription, so advertising that leans into young men's fears can be especially fruitful.

    "You might say that makes them a target for high-pressure, potentially even manipulative marketing in a way that we should worry about," McCoy said.

    The dynamic is similar to pharmaceutical ads on TV for drugs like Ozempic or Cialis. Instead of getting advice from disinterested parties, like their doctors, people are getting messages from quite interested parties — pharmaceutical companies — hoping they show up at their next medical visit and make an ask.

    A spokesperson for Hims said in an email that a "core tenet" of the company is "to help people address issues that may be hard to talk about, but are important for feeling good and being healthy" and that its platform and customer experience is "is designed to help customers bypass the various hurdles that come with getting the care and accessing necessary treatments." When asked how doctors are compensated, they said it's a time-based model that takes into consideration time spent and "certain efficiency metrics," but it's not about prescriptions written. The spokesperson emphasized that "the health and well-being of our customers will always be our top priority" and confirmed that fees are only charged if someone receives treatment. A spokesperson for Ro said that it's a "misconception" that its patient base skews younger and that 87% are over 30. They said that providers' prescribing decisions do not impact their compensation and provided a link to their operating system.

    DTC telehealth can play a role in people getting treatment they may otherwise not seek, whether for alcoholism or depression or hair loss, and at the very least it can help people realize they're not so alone in whatever issue that's ailing them. While I was reporting for this story, a friend told me he got a hair-loss prescription from Hims after his barber mentioned his bald spot — to me, that seems fine.

    But it's hard not to recognize these companies' financial incentives and the ways they may distort care. They're prescribing all sorts of drugs constantly and not asking too many questions in the process. That young guy listening to a hair-loss ad on his favorite podcast isn't just a patient — he's a customer.


    Emily Stewart is a senior correspondent at Business Insider, writing about business and the economy.

    Read the original article on Business Insider
  • John Deere rolls back DEI policies having come under fire from conservatives, saying it won’t take part in events like Pride or have a pronoun policy

    line of green john deere tractors in a dirt lot with snow capped mountains in the background
    John Deere tractors for sale at a dealer in Longmont, Colorado

    • John Deere has backed down from a number of DEI initiatives, seemingly in response to online criticism.
    • The company said it won't partake in external "cultural awareness" parades and reaffirmed its lack of a pronoun policy.
    • In a viral video, conservative activist Robby Starbuck said John Deere had "gone woke."

    Tractor maker John Deere has backed down from its DEI initiatives after facing substantial criticism from conservatives online.

    John Deere "will no longer participate in or support external social or cultural awareness parades, festivals, or events," it said in a post on X on Tuesday.

    It said that it would audit its company-mandated training materials to "ensure the absence of socially-motivated messages" and that its business resource groups would "exclusively" focus on professional development, networking, mentoring, and supporting talent recruitment.

    The farm-machinery company added that diversity quotas and pronoun identification "have never been and are not company policy."

    Though it did not specify why it had made the changes, John Deere's post came soon after criticism from conservative activist Robby Starbuck and his followers.

    Starbuck said that the company had "gone woke" in a video posted on X on July 9. At the time of writing, the video had more than 50,000 likes and over 5 million views.

    Starbuck said in the video that John Deere had introduced a pronoun policy, showing a screenshot he said was from the company's website in which it "encouraged" staff to use their pronouns in their email signatures.

    He also said that John Deere had sponsored the Capital City Pride Little Rainbow Run, a children's fun run in Iowa that raised funds for Capital City Pride's events.

    After John Deere's post on X, Starbuck celebrated, calling the decision a "massive win" and saying his followers are "helping me force corporate America back to sanity."

    Business Insider has not been able to independently verify whether John Deere had a pronoun policy and whether it sponsored the Pride event.

    In a number of videos on John Deere's Facebook page with the caption "Rainbow Ally," the company identified workers' pronouns on screen. It also posted in April 2022 about the importance of "using the right pronouns."

    The company did not respond to a request for comment from BI John about whether Starbuck's video prompted its change in policy and what measures it still has in place to support LGBTQ+ employees. John Deere said in its post on X that it would continue to "track and advance" the company's diversity.

    John Deere's announcement came just six weeks after the Department of Labor said that the company had agreed to pay $1.1 million in back wages and interest to Black and Hispanic job applicants over what the DOL called "systemic hiring discrimination."

    Starbuck had launched a similar campaign against the Tractor Supply Company in June. In late June, the company announced that it would stop submitting data to the Human Rights Campaign, stop sponsoring "nonbusiness" activities like Pride festivals and voting campaigns, eliminate DEI roles, and withdraw its carbon emission goals.

    Conservative activists have previously targeted other companies over their Pride initiatives, like Target's Pride collection last year. Some conservatives also led a boycott of Bud Light after it launched a social media promotion with transgender influencer Dylan Mulvaney.

    Read the original article on Business Insider
  • Trump’s stance on Taiwan could potentially be devastating for the US economy

    Trump
    Former President Donald Trump in a recent Bloomberg Businessweek interview called for Taiwan to pay the US for its defense.

    • Former President Trump's remarks about Taiwan have raised uncertainty within the chip industry.
    • Trump in a recent Bloomberg Businessweek interview said Taiwan should pay the US for its defense.
    • Taiwan's semiconductor dominance could make a supply-chain disruption perilous for the US economy.

    Former President Donald Trump during a recent interview with Bloomberg Businessweek waded into the US-Taiwan relationship head-on, arguing that the East Asian democracy should pay America for its protection.

    "I think Taiwan should pay us for defense," Trump said in the interview published on Tuesday. "You know, we're no different than an insurance company. Taiwan doesn't give us anything."

    "Taiwan is 9,500 miles away," he continued, highlighting its significant distance from the US. "It's 68 miles away from China."

    The remarks are stunning in that Trump — should he win a second term in the White House — could upend the longstanding diplomatic relationship between the US and Taiwan.

    China continues to view Taiwan as a breakaway province. But Taiwan has long defended its right to self-rule, away from the grips of Beijing.

    Trump's stance could have major implications for Taiwan's dominance in semiconductor chip manufacturing should any potential conflict arise between Taiwan and China. And such a scenario would likely have a cataclysmic effect on the US economy should the global chip supply chain be disrupted.

    The semiconductor influence

    Taiwan manufactures more than 60% of the world's semiconductors and produces about 92% of the globe's advanced semiconductors, according to Foreign Policy.

    And Taiwan's microchip production is anchored by the Taiwan Semiconductor Manufacturing Company, or TSMC, a global powerhouse.

    A study authorized by the US State Department found that any temporary halt to Taiwan's chip production from a Chinese blockade could result in roughly $2.5 trillion in annual losses globally, according to the Financial Times.

    It's the sort of impact that would surely reverberate for years.

    Trump in his Bloomberg Businessweek interview alleged that Taiwan "took" America's microchip business and claimed they they'd gotten rich by doing so.

    "How stupid are we?" he asked the publication.

    The ex-president's remarks are significant because the US has a vested interest in preserving strong ties in the Indo-Pacific region given the disproportionate impact that Taiwan has on the US economy.

    The chips manufactured in Taiwan are used in everything from cell phones and electric vehicles to microwaves and manufacturing equipment. It's a reality that has made many US policymakers even more cognizant of the huge role that Taiwan plays in America's economic vitality.

    Becoming a major chip player once again

    The CHIPS and Science Act, which was passed by Congress and signed into law by President Joe Biden in 2022, was crafted to boost semiconductor manufacturing in America. The law set aside $39 billion in manufacturing incentives for chip production in the US.

    Biden heavily pushed the legislation as a way to bolster supply chain resilience while also keeping the US competitive against China.

    The Biden administration recently floated using a stringent trade restriction known as the foreign direct product rule to block China from utilizing advanced chipmaking tools, according to Bloomberg.

    CJ Muse, the senior managing director at Cantor Fitzgerald, told CNBC that "the potential for more restrictions is real."

    "The intent is really to limit China's ability to build leading-edge semiconductors, and I think that the efforts the Department of Commerce and BIS [Bureau of Industry and Security] have put through have done that," he said.

    A recent report released by the Semiconductor Industry Association revealed that America's share of global chip manufacturing is set to increase to 14% by 2032. Currently, the US has a 10% share, reflective of years of manufacturing operations being sent offshore — which put the country at a competitive disadvantage.

    But the US still faces an uncertain future regarding chip production should Trump sit in the White House again, as fears have risen of supply chain disruptions in a potential conflict involving Taiwan.

    After Trump's latest remarks about Taiwan and the potential for tighter trade curbs on China, global chip stocks fell, with notable declines for Nvidia, TSMC, and Qualcomm, among others.

    Read the original article on Business Insider
  • Nantucket’s wealthy had another problem on their beaches this week

    home on nantucket
    Nantucket, the wealthy island off of Cape Cod, has been dealing with its fair share of environmental issues of late.

    A windmill ruined a beautiful day on the billionaire hot spot of Nantucket.

    The blade of an offshore wind turbine broke into pieces last week and washed ashore on tony Nantucket, the Massachusetts island favored by New Englanders and the very wealthy. The debris — sharp fiberglass in some cases — caused numerous beaches to close to swimmers on Tuesday and promoted local media to deploy full coverage as locals pitched in to help clean up.

    The litter came from Vineyard Wind, a clean energy project 15 miles off the coast of the nearby island of Martha's Vineyard. The turbines' blades measure more than 350 feet long, meaning damage to just one can leave a lot of trash.

    The company, which did not respond to a request for comment from Business Insider, said in a statement that the blade was damaged on Saturday. In a separate statement, it said it was deploying 35 people to help with the cleanup effort and that all debris was not toxic, though it did not elaborate on why the damage occurred. About 17 cubic yards of debris were found in total.

    According to local outlets, the Bureau of Safety and Environmental Enforcement issued a suspension order to cease operation until the other turbines can be cleared of similar failures.

    Still, all Nantucket beaches were fully open by Wednesday, though the island's Harbormaster cautioned people to wear shoes and keep pets off certain areas.

    But debris in the water is far from the only environmental problem affecting Nantucket, where rising sea levels, flooding, and erosion are causing multimillion-dollar homes to sell at steep discounts in hopes they have one or two more summers in them before they are washed away.

    By 2070, more than 2,300 buildings on Nantucket — 84% of the homes — will be at risk of coastal flooding or erosion, according to projections from the town's 2021 Coastal Resilience Plan.

    In April, billionaire Barry Sternlicht's home was demolished due to property damage caused by erosion. Others have paid seven figures to move their homes away from the island's shrinking bluffs or millions of dollars in attempts to keep erosion at bay through various technologies.

    The changing climate hasn't caused much of a change to demand on the island, where billionaires like Blackstone's Steve Schwarzman and former Googler Eric Schmidt have homes. Last year's median sale price on the island was $3.2 million — up $1.3 million from five years earlier, according to data from local firm Fisher Real Estate.

    It looks like snow, rain, hail, and a little wind turbine debris won't be enough to turn people off of the Gray Lady.

    Read the original article on Business Insider
  • I was a female Secret Service agent. Women can do the job just as well as men.

    headshot of a woman in a white top in front of an orange curtain
    Mary Beth Wilkas Janke was one of less than 200 female Secret Service agents in the early 1990s.

    • Mary Beth Wilkas Janke was a federal agent in the Secret Service in the early 1990s.
    • She entered without a law enforcement background but was just as qualified as her male colleagues.
    • Although it requires sacrifices, Wilkas Janke says women shouldn't be afraid to enter the field.

    This as-told-to essay is based on a conversation with Mary Beth Wilkas Janke, a 59-year-old former Secret Service Agent. The following has been edited for length and clarity.

    After taking a criminal justice elective in high school, I decided I wanted to be an FBI agent. I studied criminal justice and Spanish in college and moved to Spain after graduation. At 24, I moved back to the US to become a federal law agent.

    I applied to the DEA and the United States Secret Service (USSS). The Secret Service offered me a job after many interviews, an exam, a review of my documents, and a polygraph. I didn't have a military or law enforcement background, but I met the qualifications for the role.

    I worked for the Secret Service from May 1991 to June 1992. This wasn't a traditional career path for women in the 1990s. At that time, only 180 of the 2,000 agents were women. Many people judged me, but nobody could dissuade me from pursuing my dream.

    It's an intense, demanding job that requires you to carry a weapon, make sacrifices, and know you're in a man's world, but women are equipped to do this job just as well as men.

    The training process is the same for men and women, except for the physical fitness evaluation

    I spent nine and a half weeks being trained as a criminal investigator and another nine and a half weeks learning the responsibilities of the Secret Service through classroom lectures, practical exercises, physical fitness, firearms, time on the mat, and simulation training.

    The hiring and training processes are the same for men and women, except for the physical fitness evaluation requirements. To pass the quarterly fitness test, we have to run 1.5 miles in a certain timeframe. Men between 20 and 29 must complete the run in 10 minutes and 16 seconds, while women can complete it in 12 minutes and 50 seconds.

    I don't see anything wrong with having different physical standards for men and women. We're physiologically different, and this job is not about physical strength. Physical standards are different across many agencies and organizations, like the military, any given police force, and even Olympic qualifications.

    Nothing else is different between men and women on the job. We all must pass the same tests and be proficient in firearms training, defensive tactics, motorcade driving, arrest methods, emergency medicine, and investigative skills.

    My job duties ranged from interviewing suspects to protecting George H.W. Bush's grandchildren

    At that time, I was the only agent in the Washington Field Office who spoke Spanish, so I was often placed on assignments involving counterfeit currency from Latin American countries. I would interview Spanish-speaking suspects or participate in raids.

    I was also assigned to protect two of George H.W. Bush's grandchildren on a rotating basis. I don't believe, and I never felt, that certain assignments were given to agents based on their gender.

    My mother and I had heated discussions about some of the missions I was on because they were so dangerous. Sometimes, I'd ask my mom if we would be having the conversation if I were a man because I didn't think we would. I understood and respected her concern; however, this is my life, and I will always live it on my terms.

    When I left the Service, I became an international personal protection agent, doctor of clinical psychology, college professor, and author.

    Regardless of your gender, it's a demanding job that's not for everyone

    This job requires personal sacrifices, like canceling plans you had to meet friends on Friday night because you got called to an Air Force Base for a vice presidential movement.

    I noticed that some of the women I worked with left the agency for "traditional" reasons. One of my best friends from training left after five years to start a family, and another friend left because she wanted a more predictable career.

    You must be willing to take a bullet for your protectee at any time. That's the heartbeat of the job, and it can be both exciting and dangerous. I wanted the challenge, and I loved having a career that was anything but boring.

    Certain women are equipped to do this job, just as certain men are, but I think it takes more of a special woman than a special man to go into law enforcement because of the scrutiny and commitment.

    It's a male-dominated career, but you shouldn't let that stop you from entering it

    When I applied, I knew I'd be surrounded by mostly male colleagues, but it didn't intimidate me.

    When my male colleagues would make negative or derogatory comments about me, I never showed that what they said bothered me. Instead, it pushed me to work harder.

    In training, a fellow agent asked me what I was doing there and said that I didn't belong. I knew he was wrong. I went through the strenuous application process, just like he did, to get the job, and I belonged there.

    One guy told me before women were hired, it was the "good old days" when they could enjoy booze, broads, and Buicks. He said that bringing women in messed that up for them. I told him hiring women was the best decision the Service ever made — he laughed and appreciated my standing up to him. We eventually became friends.

    Women agents are valuable to the Secret Service

    Women often excel in communication and negotiation skills, which are crucial to a USSS Agent's duties. In many situations, women can more easily blend into environments where a male may be more conspicuous.

    Having women in the Service also shows that women can perform in demanding jobs that have traditionally been male-dominated.

    The head of the Department of Homeland Security is pushing to have more women in law enforcement, up to 30% by 2030, and I think that's great, but I often wonder why it's not at 30% already.

    The Secret Service's efforts to increase DEI and female hires is nothing unusual as long as the candidates are qualified. These individuals still have to go through a rigorous hiring and training process and meet the same qualifications as everyone else.

    More women who are interested in this line of work should try it

    I think many women don't even realize this career path exists. When I was doing a protection advance in 1992 at a hotel, the general manager said to me, "I didn't know there were women Secret Service Agents!"

    There are dozens of federal law enforcement agencies, and my advice to anyone is even if you can't get into the one that you want at first, start at one agency and transfer down the road.

    Don't let what anybody thinks about whether women belong on the job stop you from applying to a position in law enforcement. You belong there, and if you start to doubt that, find a mentor with the career path you want and lean on them to guide you.

    Read the original article on Business Insider
  • 35,000 student-loan borrowers in public service are getting $1.2 billion in debt wiped out after fixes to a key relief program

    Back of protester holding "Cancel student debt" sign
    The Education Department approved more student-loan borrowers for debt relief through Public Service Loan Forgiveness.

    • The Education Department announced $1.2 billion in debt relief for 35,000 student-loan borrowers in public service.
    • The relief is a result of ongoing fixes to the Public Service Loan Forgiveness program.
    • The department is also carrying out targeted relief for borrowers on income-driven repayment plans.

    Another batch of student-loan borrowers will soon see their balances turned to zero.

    On Thursday, President Joe Biden's Education Department announced that it approved $1.2 billion in student-loan forgiveness for 35,000 public service workers.

    The relief is a result of ongoing fixes to the Public Service Loan Forgiveness program, which forgives student debt for government and nonprofit workers after 10 years of qualifying payments. Specifically, according to the department, this latest relief comes from the limited waiver that ended in October 2022 that allowed payments previously deemed ineligible for PSLF to count, along with regulatory changes to the program.

    "The additional Americans approved for PSLF today are hardworking public servants who will finally receive the financial breathing room they were promised — and all PSLF recipients can easily track and manage the process through StudentAid.gov," Secretary of Education Miguel Cardona said in a statement. "This is relief that will bring real change in their lives and marks another win for this administration's relentless and unapologetic work to fix a broken student loan system."

    The Biden administration has now approved $168.5 billion for 4.76 million borrowers, of which 946,000 of them were enrolled in PSLF.

    This relief is among the Education Department's targeted efforts to improve repayment programs. For example, the department has also been in the process of carrying out its one-time account adjustments, which gives borrowers on PSLF and income-driven repayment plans an opportunity to ensure all of their payments are credited toward the forgiveness timeline.

    With regards to PSLF itself, the department has made a series of changes over the past few months. It transitioned borrowers away from MOHELA, previously the sole servicer of PSLF, to a number of different servicers to facilitate the program better.

    Additionally, the new SAVE income-driven repayment plan promised debt relief under shorter timelines, but its fate is uncertain, and conservative groups are currently challenging it in court.

    Still, the Education Department has vowed to do what it can to carry out relief. It's planning to finalize its broader student-loan forgiveness plan — expected to benefit over 30 million borrowers — in October.

    "From day one of my Administration, I promised to fight to ensure higher education is a ticket to the middle class, not a barrier to opportunity," Biden said in a statement following Thursday's announcement. "I will never stop working to make higher education affordable — no matter how many times Republican elected officials try to stop us."

    Read the original article on Business Insider
  • What a dietitian who avoids ultra-processed foods would order at Chipotle

    A burrito bowl being assembled at Chipotle (left) Kat Garcia-Benson (right)
    Dietitian Kat Garcia-Benson prioritizes lean protein and fiber when eating out.

    • Ultra-processed foods have been linked to a range of health problems. 
    • Dietitian Kat Garcia-Benson avoids UPFs but focuses on "what to add versus what to take away" from meals.
    • Garcia-Benson would order a meal with steak and black beans at Chipotle.

    A dietitian who avoids ultra-processed foods shared with Business Insider what she would order at Chipotle.

    The Mexican-style fast-casual spot is popular among city workers, including finance bros who work long hours. The chain has even launched a limited edition "Chipotle Boy" bowl as a nod to these devoted patrons.

    Busy people who rely on fast food joints may worry that they are unwittingly eating ultra-processed foods — which are linked to a host of health problems — as it can be hard to check the ingredients of meals.

    The best approach when eating out is to prioritize lean protein and fiber and minimize foods that aren't so nutrient-dense, dietitian Kat Garcia-Benson said.

    We can prioritize nutritious food while considering what's available and accessible, she said: "I like to focus on what to add versus what to take away."

    In that vein, three dietitians previously shared what they would order from Chipotle for a high-protein meal.

    Garcia-Benson shared what she would order at Chipotle if she were grabbing a quick lunch.

    Dietitian Garcia Benson's Chipotle order:

    • Burrito or salad bowl
    • Romaine lettuce
    • Brown rice
    • Steak
    • Black beans
    • Guacamole
    • Salsa
    • Fajita veggies

    Pick a burrito on days you need extra energy

    Garcia-Benson would choose either the burrito bowl (which comes with rice) or the salad bowl (which has a lettuce base), depending on what she was doing for the rest of the day, how much energy it required, and how hungry she was.

    "If I need more carbohydrates, if I need it to be more filling, or if I'm going to work out a couple hours later, then I would get just a regular bowl that has rice versus the salad that won't," she said.

    Lean protein and fiber

    At Chipotle, she would go for the steak mainly because it's her personal preference.

    She also opts for black beans for added protein and fiber. Beans are a great source of fiber and are a staple in the diet of many Blue Zones, areas of the world where residents live around 10 years longer than the country's average life expectancy.

    She chooses brown rice over white as it contains more fiber, and fajita vegetables for micronutrients and even more fiber.

    Healthy fats

    If you're eating out, you probably don't need to worry too much about adding fat to your meal because it'll be there for taste.

    "That's the goal of restaurants, to make it taste good, right?" Garcia-Benson said.

    But if she's getting a salad bowl, she might add guacamole for extra healthy fats or to make her dish more filling.

    As well as healthy fats, avocados contain fiber, vitamins, and antioxidants.

    Read the original article on Business Insider
  • Here are the top 10 ASX 200 shares today

    Lion roaring in the wild, symbolising a rising Liontown share price.

    The S&P/ASX 200 Index (ASX: XJO) endured a red day today, as investors pulled back on the record highs we saw for Australian shares during yesterday’s session.

    This Thursday saw the ASX 200 retreat by 0.27%, pulling the index down to 8,036.5 points at the closing bell.

    This lacklustre day of trading for ASX shares follows a mixed night on the American markets overnight.

    The Dow Jones Industrial Average Index (DJX: DJI) had a decent day, rising a solid 0.59%.

    But there was carnage on the tech-heavy Nasdaq Composite Index (NASDAQ: .IXIC), which cratered by a horrid 2.77%.

    Let’s return to the ASX share market and take stock of how the various ASX sectors handled the bad mood on the markets.

    Winners and losers

    There were definitely more losers than winners amongst the ASX sectors today.

    Starting with the losers, the worst place to be was in tech stocks. The S&P/ASX 200 Information Technology Index (ASX: XIJ) followed the Nasdaq’s lead and tanked by a nasty 3.39%.

    Communications shares had a rough day too, although the S&P/ASX 200 Communication Services Index (ASX: XTJ)’s 1.2% loss looked decent by comparison.

    Real estate investment trusts (REITs) were our next cab off the rank. The S&P/ASX 200 A-REIT Index (ASX: XPJ) ended up slumping 0.43%.

    Then we had energy stocks. The S&P/ASX 200 Energy Index (ASX: XEJ) retreated 0.29% today.

    Mining shares performed similarly, as you can see from the S&P/ASX 200 Materials Index (ASX: XMJ)’s 0.24% move downward.

    Financial stocks lost steam as well. The S&P/ASX 200 Financials Index (ASX: XFJ) saw 0.18% wiped from its value.

    Industrial shares were yet another sore spot, with the S&P/ASX 200 Industrials Index (ASX: XNJ) sliding 0.16%.

    That’s it for the losers though.

    Turning now to the winners, these were led by utilities shares. The S&P/ASX 200 Utilities Index (ASX: XUJ) saw a 0.35% improvement this Thursday.

    Also bucking the broader market were healthcare stocks, evidenced by the S&P/ASX 200 Healthcare Index (ASX: XHJ)’s 0.28% rise.

    Gold shares had a stellar day as well. The All Ordinaries Gold Index (ASX: XGD) surged by 0.26%.

    Consumer staples stocks and consumer discretionary shares round out our winners list. The S&P/ASX 200 Consumer Staples Index (ASX: XSJ) gained 0.2%, while the S&P/ASX 200 Consumer Discretionary Index (ASX: XDJ) inched up 0.03% this session.

    Top 10 ASX 200 shares countdown

    Today’s best index performer was miner Liontown Resources Ltd (ASX: LTR). Liontown shares enjoyed a big win, rising 3.66% to 99 cents each.

    Perhaps investors were buoyed by the news that one of Liontown’s directors just picked up a big parcel of shares.

    Here’s how the rest of today’s index winners landed the plane:

    ASX-listed company Share price Price change
    Liontown Resources Ltd (ASX: LTR) $0.99 3.66%
    Evolution Mining Ltd (ASX: EVN) $4.09 2.76%
    Fletcher Building Ltd (ASX: FBU) $2.98 2.76%
    Ansell Ltd (ASX: ANN) $26.70 2.42%
    Amcor plc (ASX: AMC) $15.41 2.19%
    Orora Ltd (ASX: ORA) $2.04 2.00%
    Magellan Financial Group Ltd (ASX: MFG) $9.81 1.98%
    NRW Holdings Ltd (ASX: NWH) $3.18 1.92%
    Beach Energy Ltd (ASX: BPT) $1.56 1.63%
    Goodman Group (ASX: GMG) $37.17 1.36%

    Our top 10 shares countdown is a recurring end-of-day summary to let you know which companies were making big moves on the day. Check in at Fool.com.au after the weekday market closes to see which stocks make the countdown.

    The post Here are the top 10 ASX 200 shares today appeared first on The Motley Fool Australia.

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  • NASA is scrapping a moon rover that it spent $450 million to build

    NASA's VIPER – short for the Volatiles Investigating Polar Exploration Rover – sitting assembled inside the agency's Johnson Space Center.
    NASA's VIPER – short for the Volatiles Investigating Polar Exploration Rover – sitting assembled inside the agency's Johnson Space Center.

    • NASA has canceled its VIPER moon rover project.
    • NASA will still send a spacecraft to the moon and pay a company $323 million for the trip.
    • VIPER was supposed to explore the south side of the moon in search of ice. 

    NASA is scrapping a moon rover it spent $450 million to construct, and axing the machine's mission to find water on the moon.

    The agency discontinued the development of VIPER — or Volatiles Investigating Polar Exploration Rover — because it proved exceedingly expensive.

    NASA's statement on Wednesday said that the rover was to be scrapped because of "cost increases, delays to the launch date, and the risks of future cost growth."

    It also said that continuing the rover project would result in an "increased cost that threatens cancellation or disruption" to other lunar research missions.

    The rover, a car-sized robot that was supposed to explore the south side of the moon in search of "ice and other potential resources," has already been built, The New York Times reported.

    However, tests to ensure that it could survive the shaking of the spacecraft and the environment of space have not yet been conducted.

    According to the Times, the agency would save at least $84 million by not conducting the testing and not having to operate the rover on the moon.

    VIPER's launch, which was scheduled for fall 2025, had already been delayed multiple times.

    It was initially set to launch in late 2023. However, that launch was delayed to 2024 to allow more time to test the privately commissioned spacecraft Griffin, which was supposed to carry the rover to the moon.

    Although the rover itself has been scrapped, the Griffin Lander will continue with its journey.

    And NASA will still pay the company that built the spacecraft — the Astrobotic Technology Inc. of Pittsburgh — $323 million for the task, per the Times.

    Joel Kearns, deputy associate administrator for exploration in the science directorate, told The Times that Griffin's landing would still be valuable even without the rover on board.

    NASA maintains that it is "committed to studying and exploring the Moon for the benefit of humanity."

    "The agency has an array of missions planned to look for ice and other resources on the Moon over the next five years," Nicola Fox, an associate administrator in the agency's science mission directorate, said in a statement.

    The statement also added that any US industry and international companies that wish to use VIPER before it is disassembled could contact the agency after July 18.

    News of the rover's scrapping comes as two NASA astronauts remain stuck in space after issues were detected with the spacecraft they went up in — the Boeing Starliner.

    The duo — Suni Williams and Butch Wilmore — arrived at the International Space Station via the Boeing Starliner on June 6 after a series of delays that postponed the craft's launch by a month.

    While they were supposed to stay for only eight to 10 days, they have been stuck on the space station for over a month now, with no return date scheduled.

    Representatives for NASA did not immediately respond to requests for comment from Business Insider sent outside regular business hours.

    Read the original article on Business Insider
  • Asia is preparing for a rogue US if Trump and Vance win the election, security and foreign policy experts say

    Former President Donald Trump and his running mate, Ohio Sen. JD Vance at the Republican National Convention.
    On Monday, former President Donald Trump named Ohio Sen. JD Vance as his vice presidential pick. Both Trump and Vance have been equally hawkish when it comes to dealing with China.

    • Donald Trump might have upended the veepstakes tradition when he picked JD Vance as his running mate.
    • Vance, who holds remarkably similar political views to Trump, isn't going to "balance the ticket."
    • But experts say Asia is already preparing for the MAGA pair to come to power.

    Former President Donald Trump upended the election tradition of "balancing the ticket" when he picked Ohio Sen. JD Vance as his running mate. But the MAGA pair is unlikely to disrupt the calculus for an Asia that's already preparing for the possibility of his victory in November, experts say.

    Vance, a former Trump critic turned MAGA stalwart, has voiced foreign policy views in lockstep with Trump. Both men support wide tariffs on China and have criticized US aid to Ukraine.

    Yet three experts on the Asia-Pacific told Business Insider that regional leaders — having learned from Trump's shock win in 2016 and his subsequent unpredictability — are already laying the groundwork for a scenario where he wins.

    Asia won't be surprised by a Trump-Vance administration

    "It would be quite irresponsible if they didn't already countenance this, and I think, to be honest, we will not see the overreactions that we saw earlier or in parts of Europe," said Dylan Loh, assistant professor of public policy and international studies at Singapore's Nanyang Technological University (NTU).

    Trump previously reneged on deals he felt were disadvantageous to the US and pressured allies like Japan and South Korea to support US defense costs.

    But Loh believes regional stability will prevail.

    "I think Trump's tenure has shown that fears of abandonment or ignorance of politics in Asia are overblown," he said.

    The most prominent US-aligned governments in Japan, South Korea, Taiwan, and the Philippines have been hedging their bets and working carefully to make their economies and supply chains more resilient, said Chong Ja Ian, a political science professor at the National University of Singapore.

    "Other Southeast Asian states seem to believe they can weather another Trump administration, perhaps by freezing on the efforts of the northeast Asian US allies and partners plus the Philippines," he said.

    It's not just economics. The Philippines, for example, inked a new defense pact with Japan in July as it grapples with the threat of an increasingly belligerent China in the South China Sea. This comes as the Philippines signs maritime agreements with key NATO countries like the UK and France.

    US-China relations won't change much, whether it's Trump or Biden at the wheel

    Even though Trump started the US-China trade war, experts say that China won't be too bothered if he returns to the White House.

    This, NTU's Loh said, is because President Joe Biden hasn't really deviated from Trump's hawkish stance against the Asian giant.

    For one, the Biden administration has kept most of Trump's China tariffs in place. In fact, Biden introduced some of his own when he announced a 100% tariff on Chinese electric vehicles in May.

    "For China, any preferences for either Trump or Biden is going to be marginal," Loh said.

    "I think it is quite clear that regardless of whether a Democrat or a Republican is in office, the general bipartisan mood of seeing China as a threat or a strategic competitor will not abate," he added.

    Kevin Chen, a research fellow at NTU's S. Rajaratnam School of International Studies, told BI that China may even prefer to have Trump back in power due to the turmoil he'll bring to the US' foreign ties.

    "Given how Mr Trump would likely alienate US allies and partners with his policies, Beijing may prefer that he retake the White House to give them more opportunities to spread their influence," Chen explained.

    That said, most Asia-Pacific countries will shy away from appearing to take sides or expressing relief if either candidate wins.

    "There's a joke in Japanese diplomatic circles that the outcome of a US presidential election is like opening a Christmas present, except that they must express that 'this is exactly what I wanted' regardless of the result," Chen said.

    Read the original article on Business Insider