Category: MIL-OSI

Source: The Conversation – USA (2) – By Maximilian Brichta, Postdoctoral Research Associate, University of Virginia

Once seen as often dry and sometimes intimidating, personal finance advice is a far cry from what it was in your grandparents’ day.

It’s not just the array of new online tools, from banking apps to exotic new investing options, such as cryptocurrency. Social media has created a platform for “finfluencers” – nonprofessional personal finance influencers who have become an increasingly common source of advice for young people, whether it’s accurate or not.

While most Americans over 64 say they turn to professional financial planners for guidance, a 2025 Gallup poll found that 42% of 18- to 29-year-olds seek financial advice on social media. That’s almost double the share among those ages 30 to 49. Many finfluencers have no formal financial credentials. Instead, their credibility is largely built on their social media followings, engagement metrics and relatability.

There’s also another generational shift afoot: Personal finance is increasingly bound up with political and social issues. Young adults are attempting to navigate a precarious economy – and the finfluencers who try to court them often launch critiques at the institutions and policies that they say created these conditions.

This advice ranges from risky trading-centric approaches to holistic financial practices. But a common thread is their positioning against traditional financial advice.

As a scholar who studies how the digital economy is affecting young adults’ well-being, I argue that Americans who still get their financial advice from more conventional sources – as well as the professional adviser class – need to understand there’s been a sea change in how young people understand money. And the legions of online followers need a better grasp of the risks involved.

Personal finance goes political

“Hey, I’m Rachel and I’m not paying my federal income taxes this year,” begins a TikTok video of an attorney who claims she’s skipping out on her US$8,800 tax bill for political reasons.

Rachel Cohen’s videos have racked up millions of views so far this year. Her video series details her reasons for refusal, specifically citing her disagreement with federal immigration policy and the “military-industrial complex.” On April 15, 2026, Cohen updated her viewers – some of whom had threatened to report her to the IRS – that she filed her return. But instead of paying the amount due, she’s parking the money in a high-yield savings account. Her sign-off: “Stay tuned and find out if I get arrested!”

Cohen’s not alone in her public protest. Millions of viewers have watched “tax resistance” or “tax strike” videos on TikTok that offer advice on how to not pay taxes and walk viewers through the potential consequences they might face.

Although my research suggests most of the tax-protest content on TikTok comes from left-leaning users, it draws influencers across the political spectrum. Examples include dissenters citing anti-war sentiments or disapproval of the government’s handling of the Epstein files.

Other personalities are encouraging their followers to treat their finances as a broader political statement. In some cases, these videos issue a call to action.

Vivian Tu, better known by her followers as “Your Rich BFF,” explains why the price of raspberries has gone up, citing a variety of foreign and domestic policy decisions: the war in Iran, tariffs and a shortage of migrant farmworkers. “If this video made you mad,” she says, “share it with a friend and contact a legislator.”

Tori Dunlap, author of “Financial Feminist,” tells her 2.2 million followers on Instagram: “If you’re freaking out about the world right now, GET RICH. That is your best form of protest is to get financially stable.”

However, Dunlap isn’t peddling get-rich-quick schemes. Much of her advice is run-of-the-mill personal finance tips – such as improving your credit score, paying down debt or automating savings contributions.

Political personal finance content has also extended beyond protests into things such as tracking the financial integrity of members of Congress or avoiding investments that could fund things such as private prisons.

Follow the money

These examples underscore how people’s financial lives are bound up with their values. And finfluencers appeal to their most politically charged beliefs to shape their financial decisions – even if they aren’t the best choices for their bank accounts.

One example is conflicts of interest. What many followers may not be fully aware of is that most finfluencers are incentivized to make highly performative content to monetize their accounts. This funding can come through either sponsored content – often from credit card and fintech companies – or through their own materials and “masterclasses.”

Moreover, full transparency is not a given. Although TikTok and Instagram have “paid promotion” designations for sponsored content, it’s not always so easy to identify potential conflicts of interest.

Crypto promoters, for example, routinely fail to disclose their sponsorships – and it’s common for them to boost coins they have a vested interest in.

As Americans’ distrust in financial institutions and regulators grows, many are willing to follow advice that falls into gray areas of oversight. When personal finance tips resonate with a viewers’ values, everyday financial decision-making can become colored with politics and nonconformist sentiments.

Advice, please!

Not everyone turns to finfluencers. Many take advice from anonymous strangers on forums such as Reddit.

The r/personalfinance subreddit alone has 2.8 million weekly visitors who post, respond and read questions posed and answered by everyday people. This is only one of 189 finance-related subreddits my colleagues and I compiled in our recent report.

Unlike finfluencers, Reddit users typically trade tips and opinion in plain text and occasional memes. Users of these forums are rarely monetized. It’s also demand-driven advice – people who post on these forums get to ask questions that directly address their personal financial issues. Credibility is earned though community “upvotes” and endorsements. Rather than one opinion, they can get a variety.

But similar to finfluencers, there’s an anti-institutional sentiment that privileges peer-to-peer learning over credentialed expertise. For example, users on the Bitcoin subreddit harshly criticize the contemporary financial system and advocate for digital currency over conventional forms of money.

Others take aim at the excesses of consumer culture, as seen on the forums for anti-consumption and frugal and simple living.

In this environment, financial education is rarely neutral – it’s deeply intertwined with people’s personal and political lives. As finfluencer Ellyce Fulmore puts it: “The barriers you face, your personal experience, the systems that do or don’t work for you … personal, personal, personal, personal!”

Maximilian Brichta does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. How personal finance advice is getting political, thanks to ‘finfluencers’ – https://theconversation.com/how-personal-finance-advice-is-getting-political-thanks-to-finfluencers-280250

Source: The Conversation – USA (3) – By Nicholas Pellegrino, Research Associate in Public Health Sciences, University of Connecticut

Using an in-home HEPA purifier for one month spurs a small but significant improvement in brain function in adults age 40 and older. That’s the result of a new study we co-authored in the journal Scientific Reports.

HEPA purifiers – HEPA stands for high efficiency particulate air – remove particulate matter from the air. Exposure to particulate matter has been connected to respiratory and cardiovascular illnesses as well as neurological diseases such as Alzheimer’s and Parkinson’s. Environmental health researchers increasingly recommend that people use HEPA air purifiers in their homes to lower their exposure to particulate matter, but few studies have examined whether using them boosts mental function.

We analyzed data from a study of 119 people ages 30 to 74 living in Somerville, Massachusetts. Somerville sits along Interstate 93 and Route 28, two major highways, resulting in relatively high levels of traffic-related air pollution. This makes it an especially good location for testing the health effects of air purifiers.

We randomly assigned participants to one of two groups. One used a HEPA air purifier for one month and then a sham air purifier – which looked and acted like the real thing but did not contain the air-cleaning filter – for one month, with a monthlong break in between. The second group used the real and sham purifiers in reverse order.

After each month, participants took a test that measured different aspects of their mental capacity. The test probed people’s visual memory and motor speed skills by measuring how quickly they could draw lines between sequential numbers, and it tested executive function and mental flexibility by asking them to draw lines between alternating sequential numbers and letters.

We found that participants 40 years and older – about 42% of our sample – on average completed the section testing for mental flexibility and executive function 12% faster after using the HEPA purifier than after using the sham purifier. That was true even when we accounted for factors like differences in the amount of time participants spent indoors, with either filter, as well as how stressful they found the test.

This improvement may seem small, but it is similar to the cognitive benefits that people experience from increasing their daily exercise. While you may not experience a sudden increase in clarity from a 12% boost, preventing cognitive decline is vital for long-term well-being. Even small decreases in cognitive functioning may be associated with a higher risk of death.

Why it matters

Air pollution can negatively affect mental function after just a few hours of exposure. Studies show that air purifiers are effective at reducing particulates, but it’s unclear whether these reductions can prevent cognitive harm from ongoing pollution sources like traffic. Research has been especially lacking in people living near major sources of air pollution, such as highways.

People living near highways or major roadways are exposed to more air pollution and also experience higher rates of air pollution-related diseases. These risks aren’t encountered by all Americans equally: People of color and low-income people are more likely to live near highways or areas with heavy traffic.

Our study shows that HEPA air purifiers may offer meaningful health benefits under these circumstances.

What still isn’t known

Research shows that air pollution begins to affect cognitive function especially strongly around age 40. These effects may become increasingly prominent as people age.

HEPA air purifiers may therefore be especially beneficial for older adults. Our study did not explore this possibility, as fewer than 10 of our 119 participants were over the age of 60.

Also, our participants only used a HEPA air purifier for one month. It’s possible that longer durations of air purification may sustain or even increase the improvement in cognitive function we observed in our study.

Finally, it is unclear exactly how air purifiers improve cognition. Some studies suggest that exposure to particulate matter reduces the amount of the brain’s white matter, which helps brain cells conduct electrical signals and maintains connections between brain regions. The brain regions most harmed by air pollution are the ones that control mental flexibility and executive function, the same domains in which we saw improvements in our study.

We plan to study whether reducing particulate matter by using air purifiers is indeed protecting the brain’s white matter, and whether it could reverse some cognitive decline. We will explore that possibility by studying how levels of molecules called metabolites, which cells produce as they do their jobs, change in response to breathing polluted air and air cleaned by a HEPA filter.

The Research Brief is a short take on interesting academic work.

Nicholas Pellegrino and Doug Brugge received funding from the National Institute of Environmental Health Sciences under Grant ID: R01 ES030289

Doug Brugge receives funding from NIH.

Misha Eliasziw receives funding from NIH.

– ref. HEPA air purifiers may boost brain power in adults over 40 – new research – https://theconversation.com/hepa-air-purifiers-may-boost-brain-power-in-adults-over-40-new-research-280885

Source: The Conversation – USA (3) – By Annette Regan, Adjunct Associate Professor of Epidemiology, University of California, Los Angeles

Rotavirus is a highly contagious virus that spreads easily and can make babies and young children very sick. This year, doctors have been seeing more cases earlier in the season than usual.

Data from the Centers for Disease Control and Prevention shows that almost 8 in 100 people tested for rotavirus have the virus. This is only a little higher than last year at this time, when about 7 in 100 tests were positive. However, doctors are concerned because rotavirus cases started rising earlier than usual – in January – which means more children are getting sick over a longer period of time.

Often referred to as a stomach flu or stomach bug, rotavirus infection can cause extreme diarrhea, leading to severe dehydration and hospitalization. Just like measles and whooping cough, infectious diseases that are also on the rise, rotavirus can be prevented with a safe and highly effective vaccine. But vaccination rates in the U.S. have fallen since 2018.

The Conversation asked epidemiologist Annette Regan to explain why this virus is on the rise and what families can do to protect themselves from the illness.

What is rotavirus and why is it dangerous?

Rotavirus, first identified in 1973, affects the gastrointestinal system – that is, the stomach and the intestines.

Rotavirus spreads from person to person, often when germs from poop get on hands or surfaces and then into the mouth. But a person can also become infected by touching a contaminated surface and then touching their mouth, or by drinking or eating contaminated food or water.

Rotavirus causes sudden diarrhea, vomiting and fever that can cause rapid dehydration, which can lead to death if left untreated. There is no medicine to cure the virus. Doctors can only help by giving fluids and watching closely for dehydration. Babies who lose too much fluid may need care in the hospital.

Rotavirus most often affects infants and young children. Without vaccination, nearly all children have a rotavirus infection by age 5.

The virus causes most instances of hospitalization due to severe diarrhea and is the leading cause of death due to diarrhea in children under 5. Older children and adults typically experience more mild infections, but the virus can cause severe illness in people with weakened immune systems and those over 65.

A safe and effective vaccine

Safe and effective vaccines against rotavirus have been available in the U.S. since 2006.

U.S. regulators approved an early rotavirus vaccine, but it was taken off the market the next year after doctors learned that, in very rare cases, it could cause a serious bowel problem. The rotavirus vaccines used today are different. Studies in more than 70,000 babies show that these vaccines are safe and work well.

Before vaccines were introduced, rotavirus accounted for more than 400,000 medical visits, including 200,000 emergency room visits, 70,000 hospitalizations and 20-60 deaths in the U.S. each year.

Annually, vaccination prevents an estimated 40,000-50,000 hospitalizations of infants in America. Since 2006, hospitalizations due to rotavirus have dropped by 80% and emergency room visits by 57%.

Recent rotavirus surge

Rotavirus is a springtime illness in America. Cases usually increase over the winter and reach their highest point around April or May, then drop off as the weather gets warmer in the summer.

Since January 2026, doctors have been seeing more rotavirus in babies and young children than usual. According to CDC data, about 3% of rotavirus tests in January were positive, when normally only about 1% of tests are positive. That rate is now peaking at nearly 8% of tests.

Scientists have also found more rotavirus by monitoring community sewage to track how germs are spreading. The levels of virus in sewage have gone up by about 40% since February. Together, this tells doctors that rotavirus is spreading more widely and lasting longer than it usually does, which is why they are watching it closely.

Rotavirus vaccine rates in the U.S. have been declining – 77% of children received the full vaccine series by 8 months of age in 2018 compared to 74% of children in 2024. That leaves more infants susceptible to infection. Rotavirus surges are generally shorter in areas where more people are vaccinated against it, meaning they could last longer in areas with lower vaccination coverage.

In January 2026, the Department of Health and Human Services shifted rotavirus vaccination from a universal recommendation to a decision to be made by families and their health care providers. Although this change was recently paused by a U.S. judge, this has left public health officials increasingly concerned that rotavirus vaccination rates could continue to decline.

Preventing rotavirus infection

Proper hand-washing can help reduce rotavirus transmission, but because rotavirus is highly contagious, preventing the disease through vaccination is the most effective form of protection.

There are two oral, live‑attenuated rotavirus vaccines available for infants in the U.S. The first dose must be given before 15 weeks of age, and all doses must be completed by 8 months of age.

Rotavirus vaccines reduce the risk of severe disease in infants by 85% to 90%. This means fewer hospital visits, less risk of dehydration and more babies staying healthy at home.

But these benefits last only when most babies get vaccinated. When vaccination rates drop, rotavirus can spread more easily, and more infants, especially the youngest ones, can get seriously ill. Keeping vaccination rates high helps protect individual babies and keeps the whole community safer.

Annette Regan receives research and related funding from the National Institutes of Health, Pfizer Inc, Moderna, and Merck Sharp & Dohme paid to her institution. She consults for the Pan American Health Organization and is affiliated with Kaiser Permanente Southern California.

– ref. Rotavirus cases in children are rising – but a highly effective vaccine has slashed hospitalizations from the virus by 80% in 2 decades – https://theconversation.com/rotavirus-cases-in-children-are-rising-but-a-highly-effective-vaccine-has-slashed-hospitalizations-from-the-virus-by-80-in-2-decades-281098

Source: The Conversation – USA (3) – By Perin Gürel, Associate Professor of American Studies, University of Notre Dame

White House Deputy Chief of Staff Stephen Miller told CNN in January 2026 that “we live in a world … that is governed by strength, that is governed by force, that is governed by power” – what he called the “iron laws of the world.”

This “might-makes-right” mindset, which seems to permeate the Trump administration, sees the world through a singular prism and leaves little room for understanding others or their perspectives. Although President Donald Trump later said that he did “believe” in international “niceties,” his administration has focused on the exercise of raw power – as seen in its military operations against Venezuela and Iran – while cutting programs that seek to foster understanding.

In September 2025, for example, the Department of Education terminated US$86 million in Title VI funding for foreign language and area studies programs at universities across the country, calling them “inconsistent with administration priorities.”

Consider also the drastic cuts to international exchange programs and the administration withdrawing the country from 66 global cooperation organizations, including UNESCO, the International Federation of Arts Councils and Culture Agencies, and many others.

The implied logic appears simple and seductive: If power is all that matters, why study other people’s languages and cultures? After all, as long as you have a large enough military and the tough-talking bravado to match it, you don’t need to listen to, well, anyone else. Especially to people who appear different in some way and might challenge your cherished worldviews.

As a cultural historian, I’d like to introduce you to Nasreddin Hoja, a leading jocular figure in folk tales across West Asia.

Hoja’s stories contain important lessons about power and knowledge. Specifically, Hoja’s ability to question assumptions and challenge entrenched hierarchies with the simplest retort demonstrate how dangerous it is to be locked into a single worldview – the inevitable result of not caring about “other” cultures and languages.

Hoja’s timeless jokes have a lot to teach us about the current state of world affairs.

The folk hero who cannot be pinned down

The earliest Hoja tales likely originated in central Anatolia – in what is now Turkey – around the 13th century and then traveled rapidly in the region. He merged with the “Juha” tales popular in Arabic-speaking lands, became Molla Nasreddin in Iran, and took the honorific “Afandi,” or sir, in much of Central Asia.

“Hoja” means teacher or religious guide in Turkish, and, in many stories, he acts as an unconventional type of teacher, challenging perceived wisdom and symbols of authority – including his own – with a witty phrase.

For example, one day a villager asks Hoja to read a letter. He takes a look and says, “I cannot read this – it’s in Persian. Take it to someone else.” The villager gets mad. “What kind of hoja are you then? Look at the turban on your head, and you can’t even read Persian?” Hoja calmly takes off his turban and places it on the villager’s head. “If the trick is in the turban, go ahead, read it yourself.”

In another famous tale, Hoja arrives at a feast wearing old and ragged clothes and is treated rudely. He returns the next day in a fur coat and is showered with food and hospitality. In response, he dips his coat into the soup, mumbling, “Eat, my fur coat, eat.” Aghast, the hosts ask him what he is doing. Hoja shrugs and points out that the coat was the only thing that had changed about him, so the feast must be in its honor.

Hoja has a subversive relationship to military and political authority as well. Many Hoja stories show the folk figure interacting with the Central Asian Emperor Timur, who ruled a vast empire stretching from Afghanistan to Asia Minor at the end of the 13th century.

In story after story, Hoja manages to mock and trick Timur and evade punishment through his wit. In one of the earliest recorded interactions between the two, they go into the bathhouse together. Timur asks Hoja to estimate how much he, the mighty emperor, would be worth if on sale as a slave. Hoja names a ridiculously low price, equivalent to around 15 cents. When Timur objects that the towel wrapped around him would be worth that much, Hoja shrugs and says, “Exactly. That’s what I set the price for.” The joke implies that Timur, stripped of all the trappings of power and authority, is essentially worthless.

Such tales clearly advise against judging people on material criteria, or assuming value based on markers of religion, class and political authority. They are among the countless stories that cast Hoja on the side of the weak.

Another side to Hoja

Yet this wise fool and trickster cannot be pinned down so easily. As folklorist İlhan Başgöz has written, while a stereotypical folk hero, such as Robin Hood, defends the interests of at least one social group, Hoja “defies and challenges all interests, including his own.”

Consider another famous story featuring Timur. This time, the emperor sends a prized war elephant to Hoja’s village. The animal begins wrecking the fields and terrorizing the people. The townspeople beg Hoja to lead them as they travel to petition Timur to remove the elephant. Yet, they all abandon Hoja in fear of the emperor before they reach the palace.

Timur receives Hoja in an extremely sour and defensive mood. Still reeling from his supposed allies’ betrayal, Hoja doesn’t feel like advocating for them. Instead, he tells Timur how much the villagers admire the emperor’s precious elephant. However, Hoja says, they all fear that the beast is sad and lonely. Would Timur please send a female companion for the first? Pleased, Timur promises him another elephant and Hoja returns to tell the “wonderful” news to the shocked villagers who abandoned him.

This story conveys that Hoja can be willing to exact social retribution at a great price. The joke is on the cowardly villagers, and on Hoja himself, all of whom now have to live in a village terrorized by two war elephants instead of one.

In sum, Hoja is not always “good” or even “wise.” He is, however, always thought-provoking.

Curiosity and humility

Why learn about Hoja at all, and why now?

When well-meaning people defend the value of learning about other cultures and languages, they often reach for a familiar argument: Studying the world is really just a way of recognizing our shared humanity. Beneath our differences, we are all basically the same, and realizing that can prevent conflicts.

But genuine curiosity about other cultures is not the mere confirmation of sameness. It is something harder and more useful: an awareness of what we do not know, and a willingness to sit with ambiguity as we learn.

In one of my favorite jokes, someone asks Hoja why people always walk in different directions. Why won’t they simply all go the same way? His answer is immediate: “If all went in the same direction, the world would topple.” Here, Hoja echoes a powerful line from the Quran, about the importance of not just tolerating but also learning from difference: We “made you into peoples and tribes so that you may get to know one another,” 49:13.

History is full of powerful actors who believed the world’s complexity could be overcome by will and might. Hoja has been subverting confident authorities for at least seven centuries, while refusing to be pinned down, even as a hero. If his tales can be said to have an overall lesson, it is against the comfort of easy answers.

Declaring hard power as all that matters, as Miller has done, doesn’t just mean ignoring others’ humanity – it also means ignoring our own human capacity for curiosity and intellectual humility.

Perin Gürel does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

– ref. What a Muslim folk trickster can teach us about the danger of holding a single worldview – https://theconversation.com/what-a-muslim-folk-trickster-can-teach-us-about-the-danger-of-holding-a-single-worldview-262311