NEW DELHI – US Ambassadordesignate Sergio Gor met Prime Minister Narendra Modi in New Delhi on October 11, marking the start of his first official visit to India since being confirmed by the US Senate on October 7.
During the meeting, Gor presented Modi with a framed photograph of
Austin, Texas – October 22, 2025
– In a time when many are seeking connection and hope, BRAVE Communities, a local 501(c)(3) nonprofit dedicated to Building Relationships, Awareness, Voices, and Engagement (BRAVE), invites everyone to come together for BRAVE Fest 2025, a free, familyfriendly celebration of music, art, and local talent. (Continued On Page 24)
the Prime Minister with former US President Donald Trump, signed with the message, ‘Mr Prime Minister, you are great.’
The image was taken earlier this year at a White House press briefing following bilateral talks between the two leaders.
Modi welcomed Gor, saying he was confident the envoy’s tenure would ‘further strengthen the India–US Comprehensive Global Strategic Partnership.’ (Continued On Page 08)
Needs More Afterschool Programs
Ninety-five percent of parents with a child enrolled in an afterschool program are satisfied with that program, and there is overwhelming support for more government funding for afterschool, according to a new study.
But unmet demand for these programs is high in all 50 states, and majorities of middle- and lowincome families who want afterschool programs are being shut out. (Continued On Page 16)
White House Says H1B Program Has Been Abused, Vows To Fight Lawsuits
India-West News Desk
WASHINGTON, DC— The Trump administration is preparing to defend its controversial new H-1B visa policy in federal court, following a wave of lawsuits challenging the $100,000 fee imposed on new visa applicants. The administration maintains that the fee hike is a necessary measure to protect American jobs and restore integrity to the skilled worker program.
White House Press Secretary Karoline Leavitt, speaking to reporters on October 23, confirmed the administration’s stance. “The administration will fight these lawsuits in court,” Leavitt asserted.
A Night Of Musical Brilliance In Austin
The Central Texas Bengali Association (CTBA) recently hosted its Annual Gala Musical Event 2025 in Austin, a grand evening that brought together music, culture, and community in unforgettable harmony.
The highlight of the night was the performance of Padma Shri Kavita Krishnamurthy, one of India’s most celebrated playback singers, whose voice has touched millions across Bollywood, classical, and fusion music.
(Continued On Page 25)
Leavitt said that the H-1B program has been extensively abused, arguing, “For far too long, the H-1B visa system has been spammed with fraud, and that’s driven down American wages.” (Continued On Page 16)
Game-Changing Partnership
By Staff Reporter
Austin, TX – September 24, 2025
– In a landmark development for American youth cricket, Super Kings Academy (SKA) and WCI Academy have formed a strategic partnership and established a world-class High-Performance Cricket Center in Austin. This collaboration is set to transform the region into a premier hub for youth cricket, offering professional coaching, a state-of-the-art indoor facility, and premium outdoor cricket fields.
(Continued On Page 18)
Is an Adjustable Rate Mortgage Right for You?
An adjustable-rate mortgage (ARM) is often discussed as an option to help lower initial costs and increase flexibility, particularly in a high-cost housing market.
However, it’s important to understand how these loans work, their potential risks, and strategies for managing adjustments over time.
ARMs 101
An ARM is a loan with an interest rate that will change throughout the life of the mortgage. In contrast, a fixed-rate mortgage has a fixed interest rate that is set when you take out the loan and does not change.
In contrast to the stability of fixedrate mortgages, with an ARM, your monthly payments may go up or down over time.
ARMs have two distinct periods:
The initial period: This period lasts between three to 10 years after you receive your loan, during which time the interest rate on your loan doesn’t change.
It’s also known as the fixed-rate period. The most common ARM terms have initial periods of three, five or 10 years.
The adjustment period: Once the
initial period ends, your loan will adjust.
All ARMs have adjustment periods that determine when and how often the interest rate on your loan can change.
Your adjusted rate will be based on your individual loan terms and the current market.
The name of your ARM will indicate the duration of the initial period and how often in a year your rate can adjust.
For example, the most common adjustable-rate mortgage is a 5/6
ARM. This means you will have a fixed-rate period of five years. After that, you can expect your ARM to adjust once every six months.
ARMs also typically offer a rate cap structure, consisting of these three different caps, which limit how much your rate can increase or decrease:
Initial cap: Limits how much your rate can increase when your rate first adjusts.
Periodic cap: Limits how much your rate can increase from one adjustment period to the next.
Lifetime cap: Limits how much your rate can increase or decrease over the life of your loan.
Let’s say you have a 5/6 ARM with a 2/1/5 cap structure. This means that after your initial period expires, your rate can increase by a maximum of 2 percentage points above the initial interest rate.
Every adjustment period thereafter, your rate can adjust a maximum of 1 percentage points.
Over the life of the loan, it can never increase more than 5 percentage points above the initial rate. (Continued On Page 04)
Planning For The Future To Protect Generational Wealth
In the coming years, baby boomers are poised to pass down an estimated $17 trillion in home equity to their children, according to a recent Freddie Mac survey.
But whether or not you’re among the 75% of homeowners in this generation planning to leave your current home or the proceeds from a home sale to family members when they pass away, having a clear estate plan is critical to ensuring your wishes come to fruition.
Without one, your future heirs may face complex ownership issues, potential legal disputes and even the loss of family property.
To help your family plan for the future and protect generational wealth, Freddie Mac is sharing information about some of the pitfalls that may occur in the absence of an estate plan, as well as steps you can take to protect the wealth you’ve built over your lifetime.
Tangled Titles
Heirs’ property, also referred to as a tangled title, is created when a family member dies without a will or court document passing their property to a specific heir or heirs.
When this happens, the property may be transferred by inheritance to multiple family members who each have equal rights to use and occupy the property.
Unfortunately, this can lead to messy legal disputes among family members, limited access to resources, and loss of generational wealth due to forced sales or costly legal battles.
These disputes are common in this
scenario because each heir has shared responsibilities regarding the property. For example, all heirs will be expected to contribute to property-related taxes and upkeep, which can become difficult to manage collectively. Additionally, major property decisions often require agreement among all heirs, which can make it difficult to maintain, improve or sell the property.
As generations pass, the property may be further divided among new heirs, complicating ownership even more. Lacking a clear legal title, heirs often struggle to qualify for resources like home equity loans or disaster relief funds, leaving properties vulnerable to fore-
closure or forced sales.
Avoiding
Heirs’ Property
Planning for the future helps prevent legal and financial complications like heirs’ property. Here are steps to take to protect your family’s property and wealth:
• Create a will or trust. Work with a trusted legal advisor to create an estate plan that can ensure your property is passed down as intended.
• Establish a power of attorney. Appoint someone you trust to manage your property and financial affairs
in your absence.
• Develop a wealth management plan. This can help you and your family prepare for unexpected situations and emergencies.
• Get smart about estate plans and other wealth management topics. Freddie Mac CreditSmart Essentials, a customizable and free online course, has all the tools, resources and lessons you need to help achieve your financial goals.
Taking proactive steps in estate planning is crucial for protecting your assets and ensuring they benefit future generations. (StatePoint)
SCRIBBLINGS BY ARUN REMINDERS
Each farewell is a reminder true, Impermanence of our life shines through.
We, journeying to our final shore, Need to cherish time, and spread love more.
By caring and sharing all we’ve got, With kith and kin, our love shall sprout.
In fleeting moments, let’s find our way,
And make the most of each passing day.
POSITIVE MINDSET
We hesitate to express kindness, yet swiftly spread spite, Since aversion comes easy, but admiration takes might. Why not we shift our focus and let empathy ignite!
A positive mindset is what we truly need tonight.
(arunsunderraj@gmail.com)
TICKETS
Smart Ways To Build Stress Resilience With Tools That Work For You
Stress is part of every day, especially when you’re juggling deadlines, meetings, and endless to-do lists. And while you can’t always eliminate the pressure, by building the right habits and backing them up with the right tools, you can learn to handle it better.
Thought leaders across companies have chimed in to help readers understand how they deal with stress and how their vocation has shaped their behaviors.
Ariann Langsam, vice president of Marketing at Pilot Corporation of America (Pilot Pen), often collaborates with psychologists and wellness experts to explore how small adjustments can make a big difference within her role at Pilot Pen.
Here, she shares three simple ways to build stress resilience — and how the right tools can help support your mindset.
1. Write It Out
When you’re about to embark on something that causes you stress, maybe it’s a big presentation at work or a tough conversation, taking a moment to write down positive affirmations can help calm your nerves. Try phrases like:
• “I’m ready for this.”
• “I’ve done the work.”
• “I am resilient, capable and calm.”
What helps make the planning process go as smoothly as possible? Choosing a pen that feels good in your hand. A smooth-writing tool can make the act of writing feel more soothing and intentional, not like just another task.
2. Use Tools That Keep You in Flow
Research shows that when writing feels effortless, your brain is more likely to enter a “flow state” -- that
focused zone where ideas click and distractions fade. Whether you’re brainstorming or planning your day, having the right pen can give you the zen focus you need.
Take the Pilot G2 Edge, for example. Designed with quick-drying ink, a cushioned grip, and a laser-textured barrel that can help regulate restless energy, it’s built to minimize friction — literally and mentally — so you remain in your flow-state.
3. Let Color Work for You
Color affects mood more than most people realize. With a little intention, you can use it to shape how you feel throughout the day. For example:
• Pink sparks optimism
• Purple stimulates your creative side
• Blue can boost your productivity
• Green promotes calm and balance
You can apply this concept in small ways, like choosing colorcoded pens to match your goals or surrounding yourself with certain hues in your workspace or wardrobe. It’s a simple, visual way to give your brain a gentle nudge in the right direction.
Everyday stress isn’t going away, but with a few mindful habits and the right tools, you can take back a sense of control. For more tips and to explore wellness-focused writing utensils, visit PowerToThePen. com.
“Small changes in your routine can have a surprisingly big impact,” says Langsam. “You might not be able to change what’s coming at you, but you can change how you show up for it.” (StatePoint)
Cough Not Going Away? Learn These Top Facts About Bronchiectasis
Getting the correct treatment for bronchiectasis, a chronic lung condition affecting 350,000 to 500,000 adults nationwide, is necessary to slow disease progression and help prevent further damage to the airways.
The American Lung Association, with support from Boehringer Ingelheim, is raising awareness about the need for early diagnosis and treatment of bronchiectasis. Here are the top things to know:
Bronchiectasis is chronic. Bronchiectasis is a lifelong, progressive lung condition where the walls of your airways (bronchi) are permanently damaged, becoming widened and thickened from inflammation and infection. Getting the correct treatment as early as possible can help improve health outcomes and quality of life.
Diagnosis is often delayed. Two of bronchiectasis’s hallmark symptoms are daily cough and daily production of mucus. Because these symptoms, along with shortness of
breath, fatigue and chest pain, can mirror that of other lung conditions, bronchiectasis may have a delayed diagnosis. Further complicating matters, people often have bronchiectasis along with other lung conditions. However, it requires a separate diagnosis and its own
specialized treatment plan. Nellie R. has had asthma since childhood and started having repeated infections as an adult.
“After being prescribed inhalers and other medications to treat infections, I realized that something wasn’t right. Having my bronchiectasis mistaken for other lung conditions made me realize that you have to advocate
Is An Adjustable Rate Mortgage Right For You?
(Continued From Page 02)
When to Consider an ARM
ARMs typically provide lower mortgage rates during the initial period, which can translate into significant savings.
This could be a good choice if you plan on moving or selling within five years — or before the adjustment period of the loan — or
if interest rates are high when you buy.
You could also select an ARM if you plan to refinance before the initial period ends. Just be sure to account for refinancing costs, which are similar to the costs you pay when closing on your home purchase.
Additionally, some ARMs require you to pay penalties upward of several thousand dollars for refinancing early.
for yourself when you know you aren’t getting better with your current treatment plan,” she says.
Disease management is critical. People with bronchiectasis often fall into a cycle where a respiratory infection triggers airway inflammation, which then causes further lung damage. To interrupt this cycle, follow your treatment plan: take medication as prescribed, utilize learned airway clearance techniques and take steps to reduce flare-up risk.
Jean R. was diagnosed with bronchiectasis after already living with and being treated for COPD. When it comes to managing both she says, “I manage my COPD, see my pulmonologist regularly and check in to make sure that my bronchiectasis is not progressing.”
You can decrease your risk of flare-ups. While you can’t control everything about your environment and health, there are steps you can take to help prevent bronchiectasis flare-ups. These include:
• Avoiding exposure to toxic fumes
How to Prepare for Adjustment
Because your interest rate could adjust higher, ARMs come with a level of uncertainty about future monthly payments.
This is important because you are still responsible for making your monthly payments if your rate adjusts upward.
Freddie Mac’s Adjustable-Rate Mortgage Calculator can help you determine how much your monthly payments may cost over the life of the loan.
With this knowledge handy, you can budget ahead of time for even the highest rate adjustments allowable according to your loan’s terms.
To determine the right mortgage for your situation, lean on your lender or financial professional for guidance and check out the resources and tools available at https://myhome.freddiemac.com.
When it comes to mortgages, you have options, making it important to carefully consider the features and benefits of each type of loan. (StatePoint)
• Staying healthy by avoiding those sick with respiratory infections and keeping up to date with recommended vaccinations
• Staying hydrated to help thin your mucus
• Following your treatment plan
• Leading a healthy lifestyle
There are many causes. Although the cause of bronchiectasis is not known in about 40% of cases, it is often brought on by damage from another condition that affects the lungs. An airway blockage, like a growth or noncancerous tumor, can lead to bronchiectasis. Often linked to cystic fibrosis, many other conditions can trigger bronchiectasis, such as autoimmune disease, immunodeficiency disorders, COPD, inflammatory bowel diseases and recurring infections like pneumonia, tuberculosis, pertussis and fungal infections.
Bronchiectasis resources, including information about symptoms, diagnosis and treatment, can be found by visiting lung.org/ bronchiectasis.
While there is no cure for bronchiectasis, working closely with your pulmonologist to address needs specific to this condition can help you breathe better. (StatePoint)
Olive Oil Is Easier Than Ever To Cook With. Here’s Why
Olive oil, fundamental to good living in the Mediterranean region and beyond, is a healthy, delicious ingredient that’s now easier than ever to include in everything from salads and pasta to sautés and even desserts.
Recent bottle design innovations are tun-
ing into how people actually cook today to put a fresh twist on time-honored traditions and to give you more confidence and control in the kitchen. Bertolli, a trusted olive oil brand for 160 years known for its rich flavors and high quality, has rolled out a new 100% recycled PET squeeze bottle. Combining a comfortable grip and superior dosage control, the new design is a fun, affordable luxury that allows you to enjoy olive oil with precision. Available online and in grocery stores nationwide, Dress & Drizz is 15.5 ounces of rich extra-virgin
olive oil suitable for dressing and drizzling salads, pastas and more.
To help inspire your culinary adventures using the new bottle, Bertolli is sharing this recipe for Basil Pistachio Pesto from Sua Park, of @feedyourglow. Whip up a fresh batch and enjoy its creamy, herbaceous flavor on pasta, pizza, paninis and more!
Ingredients:
• 3 cups basil leaves, lightly packed
• 2-3 large garlic cloves
• 1/4 cup toasted pistachios
• 1 tablespoon fresh lemon juice
• 3-4 tablespoons nutritional yeast
• Pink salt and pepper, to taste
• 1/4 cup Bertolli Dress & Drizz Extra Virgin Olive Oil
• Filtered water, to thin
• 2 teaspoons lemon zest
Directions:
1. Place basil, garlic, toasted pistachios, lem-
on juice, nutritional yeast, toasted pistachios and a pinch of sea salt and pepper in a food processor. Pulse until it becomes a paste.
2. Drizzle in Bertolli extra virgin olive oil and process until smooth, scraping sides as needed.
3. Add filtered water until desired consistency, stir in lemon zest, then taste and adjust flavor, if needed.
4. Store extra pesto in an airtight glass container and refrigerate up to 4-5 days or pour large batches into ice cube molds and store in the freezer for up to 1-2 months.
To access more recipes and olive oil inspiration, visit: oliveoil.bertolli.com.
Olive oil is good for the body, good for the soul and essential to good living; and thanks to today’s design innovations, incorporating it into your home cooking can be simple, joyful and satisfying. (StatePoint)
Cuts To Health And Nutrition Services May Be Putting Babies At Risk
Among the many implications of the “One Big Beautiful Bill Act,” signed into law this past July 4, are cuts to health and nutrition benefits for millions of Americans, which could have significant negative implications for babies and children, according to the National Collaborative for Infants & Toddlers (NCIT).
“This far-reaching legislation will have effects on every aspect of American society -- from schools to businesses to hospitals to food pantries,” says Sadaf Knight, CEO, Florida Policy Institute.
“Most babies born this year will lose thousands of dollars over their lifetimes due to these combined factors, and the impact will grow for future generations.”
According to experts at the NCIT, along with other advocates and analysts, here are some of the act’s expected impacts on the nation’s youngest and most vulnerable:
Families with babies will lose ground: The act’s tax credits are designed to benefit those who are more affluent, say experts, and many families will see a net loss as a result.
Overall, the resource gap will widen between the 36% of babies and toddlers living in families with low income and those in more affluent families, according to the
bipartisan First Focus on Children advocacy organization.
Household budgets will be reduced: According to the Congressional Budget Office, cuts to Medicaid will cause as many as 10 million people to lose their health insurance by 2034.
Cuts to the Supplemental Nutrition Assistance Program (SNAP) will put more than 7 million at risk of losing their benefits.
Because eligibility for services is often linked, families are also at risk of losing their Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) benefits and their Temporary Assistance for Needy Families (TANF) benefits.
These programs can provide a foundation for households to thrive. Their losses will adversely impact overall household finances, caregiver and baby health, and parents’ ability to provide the best possible care.
Economic fall-out could mean cuts to services: Provisions requiring increased state costsharing for SNAP, combined with restricted financing measures for Medicaid, will leave a state budget gap of over $440 billion over 10 years. Further economic fall-out might amount to hundreds of billions of dollars in losses for states.
The pressure to balance state budgets could mean dropping optional Medicaid services, reducing or eliminating state participation in SNAP, or cutting other early childhood services, such as early care and learning.
To learn more about how public policy is impacting American families, and to access tools to become an advocate for infants and toddlers, visit ncit.org/take-action.
“When babies lose access to health care, nu-
trition, and other essential supports, the cost is carried by all of us.
These services aren’t luxuries. If we want our communities and our economy to thrive, we have to make sure that every baby has what they need in their earliest years,” says Biz Harris, Executive Director of the Mississippi Early Learning Alliance,” says Biz Harris, Executive Director of the Mississippi Early Learning Alliance. (StatePoint)
What Every Woman Should Know About Her Sexual Health At Every Age
A woman’s sexual and reproductive health needs evolve throughout her life. What’s important at age 25 may look very different at 55. But are women talking about their experiences?
Mayne Pharma is committed to breaking stigmas and unabashedly encourages informed conversations. This framework guides women as they discuss and seek to understand their sexual and reproductive health needs throughout their lives.
20s and 30s: Building the Foundation: In these years, women should explore various contraception options and find the right fit for their lifestyle and family planning needs. Today’s methods offer safe and effective choices, including both short-term and long-acting
birth control solutions. A dialogue with one’s healthcare provider can help women better understand the benefits of each option available.
Women should prioritize preventive care by performing breast self-examinations at home and by making regular visits with their primary care physician and gyne-
cologist for screenings and further education. Open communication with healthcare providers is essential for addressing sexual health issues, and to tailor treatments (if needed) that best fit a woman’s health and lifestyle goals.
40s: Recognizing Change: For most women, their 40s is when they begin experiencing hormonal shifts due to the onset of perimenopause.
Symptoms of perimenopause are wide-ranging and can include everything from irregular periods and low libido to changes in mood and even muscle and joint pain. Women should discuss their symptoms with their healthcare providers to understand what medical and nonmedical interventions are best for them to help manage symptoms.
Despite the onset of perimenopause during this time, women must remain proactive about their reproductive health as they are fertile until menopause and may become pregnant. They should also continue with all recommended screenings, including mammograms.
50s and Beyond: Navigating Menopause and Post-Menopausal Health: The average age of menopause in the United States, accord-
Top High-Paying Jobs That Are In Demand
Looking for a high-paying job in a growing profession? Here’s what to know about some of today’s top professions offering generous compensation and good job security:
Health Care
The U.S. population is aging, and the demand for health-care professionals is growing.
The Bureau of Labor and Statistics reports that nurse practitioners and physician assistants are among the top 20 fastest-growing professions nationwide, both earning median pay well over $100,000 per year.
Trusted and valued by patients, peers and physicians, both career paths offer rich intangible rewards, along with long-term job security.
Financial Planning
A growing talent shortage in the financial planning profession means that this career path is likely one that will offer job security for years to come.
In fact, a recent study by McKinsey & Co. predicts that by 2034, U.S. wealth management firms could be about 100,000 financial advisors
short of the number needed to fulfill customer demand.
In particular, consumers and firms are actively seeking advisors who meet specific requirements; 81% prefer an advisor who takes all areas of their financial life into account and 90% see an advisor’s certifications as important.
This is why CERTIFIED FINANCIAL PLANNER® certification can give financial planners at any stage of their career a leg up.
During the certification process, CFP® professionals develop deep
subject matter expertise in everything from tax and estate planning to retirement income analysis and debt management.
With a median annual compensation of $185,000, financial planning is a job that pays well.
And given the rigorous, comprehensive training CFP® professionals undergo, it’s no surprise they earn 13% more than other financial planners, and commonly receive generous benefits packages and other perks.
To learn more about the financial
ing to the National Institute on Aging, is 52. This stage often brings noticeable changes, such as hot flashes, sleep disturbances, and shifts in mood or sexual comfort that can affect daily life and overall well-being. Another common symptom of menopause is vulvar and vaginal atrophy, which can cause pain during sex and vaginal discomfort. While these changes are a natural part of aging, they don’t need to be ignored or endured in silence- women should openly discuss these symptoms with their healthcare providers.
planning profession, along with the numerous career advantages CFP® certification affords, visit CFP.net.
Information Technology
With technologies such as machine learning, artificial intelligence (AI) and cloud computing being introduced into workplace processes, organizations will need freshlyminted information technology (IT) professionals with expertise in these areas to seamlessly implement these tools into their business models.
At the same time, IT professionals are needed to protect companies from emerging cybersecurity threats.
With a median salary of $169,510 and an unemployment rate at just 1.4%, according to U.S. News and World Report, IT managers are well-compensated and job-secure.
Whether you’re a young person investigating post-graduation opportunities or a mid-life careerchanger, understanding industry trends can help you align your career goals with greater financial security. (StatePoint)
Fortunately, safe and effective treatment options exist that address menopause symptoms while treating their underlying causes, providing lasting relief. From hormone therapy and non-hormonal medications to simple lifestyle adjustments, women have more tools than ever to support their comfort and health. Talking openly with a healthcare provider is the best way to identify the right path forward to ensure individual needs are met.
Women’s sexual health and aging is much more than symptom management. Maintaining bone strength, supporting cardiovascular health, and staying active can all help women feel strong and vibrant in their post menopause years. With the right care and resources, menopause can be seen as a new phase-of-life, one that emphasizes confidence, comfort and overall well-being.
For more than 40 years, Mayne Pharma has been dedicated to bringing patients new and trusted medicines that are safe, effective, and easier to access, and to supporting women at different stages of life with treatment options that meet their evolving needs. For more information, visit www.maynepharma.com.
Women should not feel alone managing their changing bodies. By speaking openly with their healthcare providers about contraception, hormones and reproductive health, women have a partner to support their well-being through every age and stage of life. (StatePoint)
AFSSA supports all survivors of domestic violence, sexual assault, and trafficking. Our services are all free and confidential.
Safety planning & 24-hour hotline (877-281-8371) in all languages
Emergency & long-term housing resources
Youth & adult therapeutic counseling
Education & job training opportunities
Immigration resources Medical resources & appointment accompaniment
Legal advocacy
Several Indian Faculty Feature In Stanford University’s Top Scientists List
NEW DELHI -The rising number of Indian doctors in the ‘Stanford University 2025 list of world’s top 2 percent scientists’ is a proud moment for the country, said Union Commerce and Industry Minister Piyush Goyal on October 22.
Goyal said the feat reflects the country’s growing expertise in medical research. The list, released recently, includes 14 orthopedicians, 41 paediatricians, and over 6,000 faculty members from across the country’s institutes.
The scientists have been recognized “for their pioneering research, clinical achievements transformational impact in the field,” the Minister said. “This distinction stands as a testament to India’s growing expertise in medical research and
the unwavering commitment of its scientific community to innovation and global excellence,” he added.
Goyal also mentioned “Dr. Arun Mullaji, a dear friend and renowned orthopaedician.”
A whopping 6,239 Indian faculty featured in the list under the singleyear category. In 2024 alone, 3,372 were acknowledged in the careerlong category in the report.
Among those featured in the global list for the single-year ranking, the Indian Institutes of Technology (IITs)contributed the largest share with 755 researchers, followed by over 330 from the National Institutes of Technology (NITs), and 117 from the Indian Institute of Science (IISc) Bangalore. A total of
80 researchers from the All-India Institute of Medical Sciences (AIIMS), with a significant 56 hailing from AIIMS New Delhi, earned a place in the prestigious list.
Stanford University’s 2025 database of the top-cited scientists provides standardized information on citations, h-index, co-authorship adjusted hm-index, citations to papers in different authorship positions and a composite indicator (c-score).
The selection is based on the top 100,000 scientists by c-score (with and without self-citations) or a 2 per cent or above percentile rank in the sub-field. (IANS) (Courtesy: https://indiawest.com/)
MUMBAI — India’s Federal Bank announced on October 24 that its Board of Directors has approved the sale of a significant 9.99 per cent stake to an affiliate of US-based private equity giant Blackstone. The deal, valued at $705 million, will establish the Blackstone affiliate, Asia II Topco XIII Pte. Ltd., as the bank’s largest shareholder once the transaction is finalized.
The bank’s Board has approved granting the Blackstone affiliate the right to nominate one retiring non-executive director once all warrants are exercised. The bank will seek shareholder approval for the proposed deal at an Extraordinary General Meeting scheduled for November 19.
Blackstone President and Chief Operating Officer Jon Gray praised India’s underlying economic
strength, pointing to a “compelling long-term opportunity” driven by a strong economy, a rapidly growing middle class, and aggressive infrastructure development. The Federal Bank deal underscores a wider trend of increased global investor interest in the Indian financial services sector.
Earlier this month, the UAE’s second-largest bank, Emirates NBD, announced its intention to acquire a majority stake in RBL Bank in a separate high-profile transaction valued at $3 billion. Simultaneously, other major financial institutions are securing fresh capital from international sources, with IDFC FIRST Bank and Sammaan Capital recently receiving investment commitments from global players Warburg Pincus and Abu Dhabi’s International Holding Company, respectively. (Continued On Page 24)
Blackstone Becomes India’s Federal Bank’s Largest Shareholder In $705 Million Deal
How To Maximize The Impact Of Charitable Giving
Charitable giving and helping communities provide many of us with a sense of purpose and joy. However, giving back looks different for everyone. No matter your charitable giving goals, thoughtful planning can help tailor your strategy to best help your chosen charity and your own finances.
“Like any financial strategy, charitable giving can offer personal monetary benefits, such as potentially lowering your taxes, but you need to be strategic and plan your gifts if you want to maximize your impact with a charity as well as for yourself,” says Beth Stentz, who has served for 15 years as a financial advisor with Edward Jones, a full service financial services firm.
To help you make the most of your charitable giving, the professionals at Edward Jones are sharing some tips and advice:
Choose Wisely
Selecting a deserving organization is a personal decision and depends on what’s meaningful to you. Would you prefer your donation stay in the community, or would you like it to have national or global impact? Whatever you choose, make sure the
charity is trustworthy. To ensure the organization is a qualified charity, look for it on the IRS’ Tax-Exempt Organization Search, the Better Business Bureau’s Wise Giving Alliance or the non-profit Charitynavigator.org that rates charities based on financial health, accountability and transparency.
Check Tax Deductibility
Qualified nonprofits include religious, charitable, educational, scientific and literary charities, as well as those dedicated to helping
children and animals. Political organizations and candidates are not eligible. To claim a charitable
tax deduction, you must donate to qualified organizations in good standing with the IRS. Go to IRS.gov to find out if contributions to the organization you select are tax deductible. A financial advisor can work with your tax professional to determine the most tax-efficient way to give to a cause.
Support Comes in Many Forms
If you aren’t able to contribute financially, consider donating time, clothes or household items that are in good shape but no longer used. Many organizations have lists
of needed things on their websites.
Keep Records
If you plan to itemize charitable deductions, the IRS requires that you substantiate them. For amounts less than $250, records such as a canceled check, bank statement or credit card receipt can suffice. For donations of $250 or more, you must obtain a receipt or other written acknowledgement of the donation from the charity.
Consider Control & Flexibility
If you desire control and flexibility -- or if you have unique needs -- you might benefit from exploring advanced charitable giving strategies. Trusts, annuities, donor advised funds, and foundations are all things to consider with the benefit of input from professionals, such as your financial advisor and tax preparer.
To learn more about how to maximize the impact of your charitable giving, visit EdwardJones.com.
Whether you have been philanthropic for decades or are just starting to donate, there’s likely a giving solution that fits your goals.
(StatePoint)
Walk To School All Month, And Beyond!
event that encourages families to adopt healthy habits and promote clean air.
According to the Department of Health and Human Services, physically active kids have higher levels of cardiorespiratory fitness, stronger muscles and bones, an increased chance of being at a healthy weight, and reduced symptoms of anxiety and de-
pression.
Consider taking on this healthy habit as a family if there is a safe walking route to your children’s school. You can also become an advocate for pedestrian-friendly streets.
This might involve lobbying your local officials for adequate sidewalks, speed limits near school zones and traffic lights at high-traffic intersections. (SPM Wire)
‘Mr Prime Minister, You Are Great,’ Writes Trump On Photo With Modi
(Continued From Page 01) Gor described the meeting as ‘incredible,’ noting that discussions covered trade, defence, and critical minerals.
The 38-year-old diplomat, among the youngest US ambassadors to India, is a close Trump ally and previously served as Director of the White House Presidential Personnel Office. His current visit, from October 9 to 14, also includes Deputy Secretary for Management and Resources Michael J. Rigas. The pair are meeting Indian officials to discuss bilateral and Indo-Pacific cooperation.
Gor also met External Affairs Minister S. Jaishankar and Foreign Secretary Vikram Misri. Both sides reiterated the importance of advancing cooperation on global and regional priorities. (Continued On Page 09)
October is International Walk to School Month, an annual
Will Your New Smartphone Withstand Everyday Mishaps?
With Apple’s latest smartphone lineup featuring the biggest physical redesign in years, you may be wondering if it’s time for a mobile device upgrade.
New rectangular camera housing on the iPhone Air and 17 Pro models designed to accommodate more advanced camera systems, and 4K video recording in the Pro models, among other fresh features, certainly make the idea of an upgrade appealing. But before purchasing a new device, first check out the results of Allstate Protection Plans’ Breakability Drop and Bend Tests.
The independent evaluation used robotic testing equipment to evaluate how the iPhone Air and iPhone
17 Pro withstand everyday accidents. The tests can be viewed online and include the following results:
Improved DropAbility
Facing the Allstate Protection Plan’s DropBot, which drops devices 6 feet onto a sidewalk, both iPhones showed improved durability when dropped back-down, but still suffered significant
Tips For Fueling An On-The-Go Lifestyle
Our modern lives involve non-stop activity -- from school carpools to back-to-back meetings to workouts to everything in between. When you find the right fuel to keep you going, eating well and the daily grind can go hand-in-hand.
As part of the Fuel for the Modern Hustle campaign, StarKist is teaming up with actress, best-selling cookbook author and mom, Tiffani Thiessen, to celebrate everyday routines and share her top hacks for staying fueled amid the frenzy:
1. Recharge: It’s easier than ever to prioritize protein at mealtimes, even when you’re multitasking. With 10 or more grams of lean protein per serving, StarKist’s readyto-eat Tuna, Chicken and Salmon Creations Pouches and Smart Bowls come in more than 20 flavors like Lemon Pepper, Buffalo Style and Sweet & Spicy, making a midday recharge easy.
2. Pack an on-the-go boost: When the schedule is full, pack grab-andgo snacks full of lean protein for a quick bite between meetings or errands.
To support nonstop routines, anytime and anywhere, try cutting up veggies like carrot sticks to eat
with hummus packs or cottage cheese. Or grab StarKist’s LunchTo-Go, Snack-To-Go and classic tuna salad kits, which come complete with crackers and a spoon for easy portability. “Life is busy so I try to keep snacks simple, without giving up on flavor or nutrition,” says Thiessen.
3. Beat boredom: Giving routine sandwiches, salads and wraps a flavorful twist doesn’t have to be complicated. Thiessen likes to turn everyday meals into something that feels new, delicious, and nourishing by incorporating fresh herbs such as dill and chives, crunchy veggies like celery sticks and sweet peppers, with delicious flavors of already seasoned and ready-toeat tuna, chicken or salmon from StarKist.
To inspire you to stay fueled on hectic days, Thiessen is sharing this easy, on-the-go recipe for Chicken Salad Parfait, which can be made in 15 minutes or less and packs a nutritional punch, offering 20 grams of protein, 3 grams of fiber, along with significant amounts of calcium, iron and potassium.
Ingredients:
mium White Chicken
• 1/2 cup cooked orzo
• 1/4 cup thinly sliced red onion
• 1/2 orange bell pepper, diced
• 1 tablespoon extra virgin olive oil
• 1/2 lemon, juiced
• 1/4 teaspoon black pepper
• 2 cups arugula
• 1 tablespoon shaved Parmesan cheese
Directions:
1. Place cooked orzo in a 12-16-ounce glass jar.
2. Add a layer of red onions, followed by the orange pepper. Drizzle lemon juice and olive oil over top. Sprinkle with black pepper.
3. Open the chicken pouch and add on top of the vegetables. Place arugula on top of the chicken and finish with the shaved parmesan cheese.
4. Seal and place in the refrigerator until you are ready to enjoy.
For more healthy lifestyle tips, stress-free recipes and information, visit starkist.com. Today’s on-thego lifestyles require fuel to support every kind of hustle. Fortunately, nutrient-rich no-prep food options make it easy to eat well.
damage when dropped face-down.
Face-down drop tests: Both the iPhone Air and 17 Pro shattered after one face-down drop. While both models remained fully functional, the damaged Ceramic Shield 2 front displays were too sharp to use with bare hands. Both iPhones would need their front screens replaced to be usable again.
Back-down drop tests: The iPhone 17 Pro survived one back-down drop with only cosmetic damage, including minor scuffing on its camera housing and along frame edges. The iPhone Air cracked across its rear panel after one backdown drop but was otherwise fully functional. These results are a big improvement from previous glassback iPhone models, and most likely due to the models’ new Ceramic Shield rear panels.
No Bendgate 2.0
iPhone Air’s slim design raised concerns of another Bendgate, which plagued iPhone 6 and Samsung Galaxy S6 Edge devices. But BendBot, which applies controlled pressure to measure breaking points, discovered bending isn’t an issue.
• The iPhone 17 Pro bent at 200 pounds of pressure and was fully functional after Allstate’s bend test. The iPhone Air bent at 190 pounds of pressure and was also fully functional after the test. Though both models bent at fewer pounds of pressure than the iPhone 17 Pro Max (240 pounds), they were still well above industry standards for
bend durability and the stresses most users encounter in everyday use.
• Though the iPhone Air is 35% thinner (0.22-inch depth) than the iPhone 17 Pro, it was nearly as durable in the bend test. This may be due to added reinforcement from its rectangular camera housing and titanium frame.
Watch the iPhone Air and iPhone 17 Pro take on the DropBot and BendBot in a full results video on Allstate Protection Plans’ YouTube channel.
Damage Costlier Than Ever
Smartphones have become the single device people use to capture, store and share their lives. In fact, 82% of Americans say their phone has replaced their digital camera, according to Allstate Protection Plans research.
With the iPhone 17 Pro starting at $1,099 and repair costs reaching up to $749 without AppleCare, and the iPhone Air starting at $999 with repairs as high as $699, protecting these essential devices is more important than ever. Visit AllstateProtectionPlans.com to learn how to keep your new device protected from real-world damage.
“Apple avoided another Bendgate, but gravity still wins,” says Jason Siciliano, vice president of marketing at Allstate Protection Plans. “If you’re spending more than $1,000 on a phone, a case, screen protector and protection plan are smart investments.” (StatePoint)
‘Mr Prime Minister, You Are Great,’ Writes Trump On Photo With Modi
(Continued From Page 08)
Gor’s appointment comes at a delicate juncture in India–US relations, which have been shaped by disputes over trade, visa costs, and technology access. His arrival signals Washington’s intent to restore diplomatic momentum ahead of the US presidential election, where Trump remains a dominant political force.
The US Embassy said the visit underscored ‘continued commitment to a safer, stronger, and more prosperous Indo-Pacific region.’ Analysts view Gor’s outreach as an early test of how a potential second Trump administration might recalibrate ties with New Delhi. (IANS)
(Courtesy: https://indiawest.com/)
Navigating Your Options After A Natural Disaster
After a disaster strikes, following these essential steps can help you protect your home, stabilize your finances and begin the process of rebuilding:
Contact Your Insurer Immediately. Your insurer will assess the condition of your property and reimburse the costs to repair or replace any damages subject to your policy’s coverage.
The insurance company may send an adjuster to investigate your claim and determine how much they will pay.
You may consider having a contractor assess the damage and develop a repair plan, but avoid making costly repairs until the adjuster confirms what will be reimbursed.
Many policies also cover the cost of temporary housing, food, pet boarding and other household expenses if you are displaced. When you speak with your insurer, gather as much information as possible about your coverage.
For additional assistance with temporary living expenses, contact organizations such as the Homeowner’s HOPE hotline at (888)
995-HOPE.
Contact Your Mortgage Servicer. Let your mortgage servicer know about your circumstances as soon as possible.
They can help you understand the mortgage relief options available to you. Forbearance is a common option, allowing you to make reduced payments or pause your mortgage payments for a specified period of time.
If your loan is owned by Freddie Mac, you may be eligible for en-
hanced mortgage relief options.
Know Your Repayment Options. When your disaster forbearance period ends, your options vary depending on your circumstances. Regardless, it’s important to prepare for when your normal mortgage payments resume.
Your mortgage servicer will be in touch within 30 days of the end of your forbearance period. Keep an open line of communication with them to navigate your repayment options, which may include:
• A full reinstatement, in which you pay in one lump sum the total mortgage payments you owe, including taxes and insurance premiums paid, delinquent interest, any legal costs and other expenses incurred by the loan servicer.
• A repayment plan, which increases your regular monthly mortgage payment for a short period of time to make up for the mortgage payments you missed.
• A payment deferral, which moves your missed mortgage payments to the end of your loan term, but keeps your monthly payment amount the same.
• A loan modification, in which you and your loan servicer agree in writing to modify or restructure your mortgage to make it more affordable and sustainable. Loan modifications typically reduce the amount of your monthly payment by changing the terms of your
mortgage, which may include the length of your loan term or the interest rate on your loan.
Avoid Fraud. Fraud and scams often spike after natural disasters, making it important to be wary of communications you receive.
To help avoid scams, rely on information from trusted resources, such as your mortgage servicer, insurer or HUD-certified housing counselors, and be aware of some of the most common post-disaster scams.
These include high-interest loans and repairs, contractors asking for payments in advance of work and entities claiming to be disaster relief professionals requesting your sensitive information.
For disaster relief and mortgage assistance resources, which can help you recover after a disaster, check out My Home by Freddie Mac at myhome.freddiemac.com.
In the wake of a natural disaster, you don’t have to face recovery alone. Being proactive can get you on the road to recovery. (StatePoint)
Tips For Protecting Yourself From Deepfake Fraud
You answer the phone and hear a familiar voice, but are you sure you know who it is on the other end of the line? The correct answer should be “no.”
Rapid advancement of artificial intelligence (AI) has armed bad actors with sophisticated tools to enable impersonation fraud using deepfakes. A deepfake can consist of audio, video or imagery that has either been created or altered using AI.
The danger is that with a simple sample of audio or video or even a few images, a criminal can create a deepfake that is almost impossible to detect.
A National Institutes of Health study in 2023 found that even when individuals were given a
warning that one out of five videos for them to review was a deepfake, only 21.6% were able to correctly identify the fraudulent option.
In today’s technological climate, the risks are too high to trust the naked eye to determine truth. Luckily, there are certain things you can do to help reduce your likelihood of getting duped, and they don’t require specialized skills or technical aptitude.
One important one is never assum-
ing that someone contacting you is legitimate, even if they share a seemingly legitimate image or video, have a familiar voice, or come under the guise of someone known and trusted.
Creating safe words with close family members and friends is also a good idea. That means you have a secret code word only they know. If the caller doesn’t know it, that is an easy and effective way to identify a fraud.
Just as important if not more than picking out deepfakes, is protecting your identity against being exploited to create a deepfake. Here are some measures that could help mitigate the risk:
Social Media Management: Don’t over-post your face or voice and limit who can view your content by tightening up privacy settings on your accounts.
Watermarks on Images: Consider putting watermarks on imagery you post online to discourage repurposing of it.
Stronger Identity Protection: Subscribe to identity monitoring services that will send alerts if your personal information appears on the dark web where criminals buy and sell stolen credentials.
Limited Voice Exposure: Screen phone calls and only answer when they come from a known number. It’s also recommended to use the factory setting voicemail message rather than recording an outgoing
Prompt Reporting: If you are contacted by someone you believe is leveraging a deepfake to impersonate a person or brand, report it immediately to that person or brand. They will want to work with the authorities and time is of the essence.
To learn more about tools and techniques to help protect your identity and respond to fraud, visit PNC’s Security & Privacy Center.
Technology is providing criminals more sophisticated technologies to commit fraud, but good, oldfashioned caution and common sense are still the best protection, and that applies to deepfakes, too. (StatePoint)
message using your own voice.
Keep Your Home Clean With These Online Finds
You probably already know that keeping your home clean doesn’t have to amount to backbreaking labor, thanks to smart advances in cleaning solutions that offer unmatched convenience and thoughtful designs.
Here’s what to add to your cart from Tineco -- global leader in intelligent home appliances:
Floor Washers: Today’s best floor washers bring versatile vacuumand-wash technology to hard floors, eliminating the need to do each chore individually and ultimately cutting cleaning time in half.
The FLOOR ONE S7 Stretch Ultra is engineered for multifunctional use, offering a runtime of up to 50 minutes.
It features a 180-dgree lay-flat reach, an anti-tangle brush design, dual-sided edge access, and a heated FlashDry self-cleaning system to ensure optimal performance with every session.
The new FLOOR ONE S7 Stretch Steam combines 180-degree ultraflexible lay-flat reach with 320 de-
gree F HyperSteam Technology to achieve spotless results with ease.
Optimized for today’s homes, it has up to 80 minutes of runtime and an advanced self-cleaning system for simplified post-use maintenance.
Finally, the FLOOR ONE S9 Artist PRO, built for high-efficiency, everyday performance, delivers
smooth steering, effortless maneuverability, and edge-to-edge reach.
A dynamic display, shifting three dimensional lights and LED headlight enhance the cleaning experience.
Stick Vacuum: The PURE ONE Station 5 is an intelligent stick vacuum featuring 175 watts of suction
power, a wide 120-degree green LED headlight, a ZeroTangle brush head, and 70 minutes of runtime.
A 3-in-1 Smart Station that charges, stores and empties the vacuum’s dustbin offers self-managing convenience to anyone who vacuums frequently.
Carpet Cleaner: Frequent carpet cleaning helps maintain a carpet’s
lifespan, however professional services can be expensive and difficult to schedule.
With 130 watts of powerful suction, SmoothPower technology that makes movement intuitive, 167 degree F PowerDry technology to speed up surface drying times, and a convenient self-cleaning cycle to keep the machine fresh and ready for the next clean, the CARPET ONE Cruiser lifts dirt and debris deep from fibers while restoring the look and feel of carpets.
A great choice for pet owners or anyone with heavy foot traffic, this model is ideal for frequent use. Providing a professional-grade, on-demand solution that eliminates the need for costly third-party cleaning services, it’s worth investing in the Tineco Carpet One Cruiser.
To learn more about Tineco and its full portfolio of intelligent stick vacuums, floor washers, carpet cleaners, and more, visit us.tineco. com.
By leveraging the best high-tech cleaning products available today, you can make your home spotless and your life easier. (StatePoint)
How To Make Your Home Exterior Turn Heads
Is your home’s exterior in need of a facelift? While an all-siding exterior can be attractive, using manufactured stone to complement vinyl siding will turn heads, for ultimate curb appeal.
Manufactured Stone
Manufactured stone veneer adds elegance and charm to a home’s exterior, calling to mind rustic country cottages and stately manors. When paired with vinyl siding, it offers a dramatic, earthy variation in texture that makes any style or color stand out.
Sourcing your materials from the right manufacturer will make all the difference. For example, ProVia artfully crafts its manufactured stone to replicate the rugged textures, shadow lines, and coloring of authentic quarried stone.
Created by experienced stone masons who cut and chisel individual stones by hand, they replicate the look of real stone from unique geo-
graphic regions, reproducing undercuts, subtle textures and natural hues.
With many stone profiles, grout colors, and other options to select among, it’s easy to get overwhelmed by choice. As you explore your options, keep in mind that experts have identified these stone profiles as pairing especially well with siding:
• Ledgestone, with its haphazard shapes, jagged contours and scrag-
gy surfaces
• Dry Stack, with its compact, tightly layered profile and sandblasted visage
• Terra Cut, a coarse-grained blend of large and small slabs with rugged faces
• Natural Cut, characterized by irregular and disproportionate slabs and roughcast veneers
Vinyl Siding Options
Nothing transforms a home’s curb appeal as dramatically as vinyl siding. Quality siding elevates your home’s exterior while protecting it from the elements. From warm neutrals to bold and vibrant hues, there’s a siding profile and color that suits any architectural style.
Here are two eye-catching options that look beautiful alongside manufactured stone:
Shingle and Shake: There are few cladding options as distinctive as cedar shake and shingles, and few with as impressive an architectural history. Vinyl siding modeled after these materials, such as Harbor Mill polypropylene from ProVia, captures the authentic look of traditional sawn and split cedar shakes and shingles that have been featured in American homebuilding since the 1600s.
Featuring clean grain lines with varying peaks and valleys, the look may be of traditional wood, but the materials themselves are moistureresistant, durable and low maintenance.
Board and Batten: The use of board and batten vertical siding originated hundreds of years ago as a practical solution for covering the spaces between the boards on the exterior of a home or barn.
Today, it represents rustic, handmade quality, but its strong vertical lines have modern appeal that can enhance many architectural styles, from popular Craftsman to timeless Victorian. Blending the look of classic vertical wood with the modern engineering of high-performance super polymer vinyl siding, ProVia board and batten siding offers the best of both worlds, and is commonly paired with manufactured stone to add distinctive accents to exterior areas such as entryways, gables, porches, dormers and build-outs.
For more home exterior tips and to visualize how different materials, colors and styles will look on your home, visit provia.com.
When it comes to choosing your exterior cladding, don’t be afraid to go bold! A blend of manufactured stone and vinyl siding is not only going to offer superior performance, it will elevate your home’s exterior aesthetic. (StatePoint)
This Season’s Hottest Holiday Gifts
The holiday season is upon us, which means it’s time to score great gifts that will bring instant gratification to everyone on your list!
To help you navigate holiday shopping, the retail experts at Rack Room Shoes are offering these trendsetting tips and ideas to make
the season merry, bright and stylish for your nearest and dearest.
Caffeine Fix: Give their wardrobe the boost of energy it’s been craving. Coffee, a surprisingly decadent hue, feels like a well-deserved treat from top brands like Nike, New Balance & adidas.
No material herein or portions thereof be published without the wirtten consent of the publisher. The deadline for advertisement and article is 20th of every month.
Easy Upgrades To Improve The Lives Of Older Adults
Soft Served: Help them catch up on some me-time with a pair of timelessly comfortable clogs from HEYDUDE, Bearpaw and Koolaburra by Ugg.
Hey! Cute Boots: Wish lists at the ready: these versatile boots have something for every mood. Whether you reach for laced-up combats, cozily lined styles or polished Chelsea boots, there’s something for everyone.
Call of the Wild: Animal prints have been pouncing across the runways the past few seasons and now they’re headed for closets. Bite back at the trend with PUMA, New Balance and HEYDUDE’s latest heels, sneakers, boots and more.
For one-stop holiday shopping, visit rackroomshoes. com or a Rack Room Shoes in your area for more fun and exclusive accessories only available in-store.
With this season’s hottest gifts, you’ll be everyone’s favorite gift giver, and help your loved ones step into the new year with confidence and style. (StatePoint)
A home is more than four walls – it’s where birthdays are celebrated, holiday dinners shared, illnesses weathered and losses mourned. Home is, as the saying goes, where the heart is.
It’s little wonder then most people want to remain in their homes as they age, based on AARP research. Yet, according to the U.S. Census Bureau, less than half of U.S. houses are equipped with accessibility features for older adults.
It doesn’t take a full remodel to make a home safer. Updates like installing handrails or improving hallway lighting can go a long way.
For those who need support in making these changes, programs like Helping Homebound Heroes, a partnership between Meals on Wheels America and The Home Depot Foundation, provide senior veterans with essential home modifications and repairs. This year, the initiative marked a milestone: 4,000 homes modified for seniors’ safety.
“By improving safety and accessibility, we’re helping senior veterans stay in the places they love,” said Ellie Hollander, president and CEO of Meals on Wheels America. “Our work is about preserving independence and dignity – helping older adults live safely, confidently and with connection to their communities.”
These practical tips show how small fixes can add up to big peace of mind:
(Continued On Page 20)
Holiday Budgeting 101: Financial Advisors Share Their Top Tips
NER® professionals are sharing their top tips for keeping finances intact throughout the season.
Prioritize expenses: Examine your winter budget and see how much extra you have left for holiday-specific spending (e.g., gifts, decorations, hosting and travel). A financial advisor can help you adjust for these additional expenses, as well as fit a holiday budget into your long-term plans.
for buying just one gift. Or, if you want to bring loved ones together to celebrate but need to trim expenses, consider hosting a potluck. Your guests might love a chance to contribute their favorite dish.
ble giving and other areas where spending can become competitive.
Plan for next year: Get a head start on next year’s festivities by setting aside a little money from each paycheck into a high-yield savings account, starting now. Make this an annual habit to help ensure each holiday season can be enjoyed comfortably and to the fullest.
Holiday season expenses are a given, but with a bit of planning and effort, you can easily include them in your budget. However, amid inflation, you may have concerns about balancing a merry holiday season with good money management.
When
CERTIFIED FINANCIAL PLAN-
Remember, it’s important to keep your expectations flexible so that if you overspend in one area, you can reduce spending elsewhere. For example, if seeing family is a priority but visiting involves pricey airfare, consider suggesting a Secret Santa so that everyone is responsible
Find deals: Leverage technology tools to find deals when online shopping. Consider using a browser extension to automatically test coupon codes and ensure you have the lowest price possible or to learn when the price of an item has dropped.
Practice self-care: Give yourself the gift of a stress-free season by setting spending boundaries. This means being guided by your intentions, not peer pressure, when it comes to gift-giving, charita-
For help examining income and expenses during the holiday season, visit LetsMakeAPlan.org to find a CFP® professional near you.
It takes planning and care to have a financially healthy holiday season, but entering 2026 without additional debt will make it well worth the effort. (StatePoint)
Is The Best Time To Buy A Car? Experts Say: Before It’s Urgent
Buying a car is one of life’s bigger financial decisions—and timing can make all the difference.
But according to auto experts at Wells Fargo, the best time to buy a car isn’t about chasing seasonal sales or waiting for tax credits. It’s about being prepared before the need becomes urgent.
“It’s just a reality that buying when you absolutely have to can limit your ability to get a good deal,” said Robert Lyles, retail auto relationship management director, East Market for Wells Fargo Auto.
“Doing your research, knowing what you’re looking for, and understanding how much you can afford will give you a leg up when it’s time to negotiate.”
So how do you know when you’re ready? It starts with understanding your finances. Michael Meganck, retail auto relationship management director, West Market, advises buyers to begin with a clear budget.
“Buying a vehicle is exciting, but it can be overwhelming. Start with the basics: what you can afford, how you plan to use the vehicle,
what size you need, and gas mileage.”
If you’re financing a car, know your interest rate, total amount financed, monthly payments, and whether there are prepayment penalties.
Consider the loan length—while longer terms like 84 months may lower monthly payments, they can cost more over time.
Also, educate yourself about the aftermarket products and services
that may be purchased with your vehicle and ask questions at the time of closing if you are unclear.
Industry trends also play a role. Reports from Edmunds and Kelley Blue Book show car prices remain high, with average transaction prices rising year over year.
“New car prices are at some of their highest levels in the last decade,” said Meganck. “That’s why longer financing terms are becoming more common.”
Leasing may be a smart alternative for those who don’t keep cars long term. “Understand what’s happening in the market and how that ties into the monthly budget you’ve already created,” Lyles added.
To stay within budget, explore manufacturer incentives and promotions, understand the fine print, and know your credit score—it can impact your interest rate and loan terms.
Research is more important than ever. Today’s buyers often visit up to 11 websites before stepping into a dealership.
“It’s not surprising to get customers who are as informed as the people selling the cars,” said Lyles. Dealerships also use AI tools to adjust pricing based on market conditions, so being informed helps you
spot a fair deal.
Take your time at the dealership. Test drive vehicles, use services like Carfax for used cars, and research warranties. “Give yourself time to evaluate your options,” Lyles advised.
While traditional timing strategies like month-end shopping are less effective today, seasonal trends still offer opportunities. Spring sees higher demand due to tax refunds, while summer holidays may bring discounts.
Fall is ideal for new model clearouts, and winter can offer deals on convertibles and used inventory. More car-buying advice and tips for your money can be found by visiting Wells Fargo Stories at stories.wf.com.
“Do your research, understand what you can afford, pre-plan options, and you have a great chance of having a pleasant car-buying experience,” Meganck said. (StatePoint)
Have A Pet? Don’t ‘Fall’ For The Myth Of Seasonal Heartworm Prevention
The world’s deadliest animal isn’t a lion, tiger, bear or venomous snake. It’s a tiny but bloodthirsty insect: the mosquito. And the assumption of many pet lovers that mosquitoes are just a seasonal threat may be putting their fourlegged family members at risk.
Mosquitoes harbor and transmit a variety of life-threatening diseases to people and their pets, thus earning the “world’s deadliest” designation. One of the most serious and prevalent mosquito-borne diseases in pets is heartworm disease—a disease characterized by foot-long worms that obstruct the lungs and arteries of pets, causing issues that range from coughing and vomiting to serious breathing problems and heart failure.
Pitfalls of “Seasonal” Heartworm Prevention
While heartworms can be easily prevented with medications prescribed by veterinarians, the American Heartworm Society (AHS) notes that more than a million pets in the United States have heartworms. A recent survey conducted by the organization revealed a leading reason: many pet owners stop giving their pets heartworm preventives during the fall and winter, unknowingly putting their pets at risk. In fact, while more than 9 in 10 veterinarians surveyed by the AHS reported they recommend year-round heartworm prevention, 7 in 10 cited the failure of pet owners to follow this recommendation as a leading cause of heartworm infection.
The mistake many owners make is to assume the risk of mosquitoes transmitting heartworms ends with the change of season. Following are three reasons this thinking is
flawed:
• Weather patterns are warming and unpredictable. In recent years, winter temperatures have reached the 60s—and occasionally even the 70s—in cold-weather regions like the Midwest and Northeast. While mosquitoes are dormant during cold weather, they can become active again on warm days.
• Mosquitoes come indoors and continue to feed on pets. Like us, these insects know to come in from the cold. They often congregate near doorways or in garages, waiting for their chance to sneak inside. Once in your house, it’s possible for female mosquitoes—which feed on blood to reproduce—to survive for up to a month or more.
• Urban and suburban areas foster the development of protected “heat islands,” where temperatures
can be up to 20 degrees warmer than the surrounding countryside. Buildings, vehicles and concrete surfaces trap heat during the day, keeping temperatures well above normal. This allows mosquitoes to stay active and dangerous well into the cool-weather months.
Rather than asking pet owners to guess when the world’s deadliest animal is no longer “in season,” the American Heartworm Society recommends giving pets heartworm prevention year-round. It’s a simple step that can make a lifeand-death difference. (StatePoint)
These Careers Have High Pay And Lots Of Freedom
Are you looking for flexibility and independence in your career, without sacrificing your earning potential? If so, then these three career fields are worth looking into:
Real Estate
As a real estate agent, you have a lot of flexibility in terms of the number of hours you work a week, how much support you receive from a team or firm, and even what customers you service, be they residential or commercial and buyers, renters or sellers.
While the job can be demanding in busy periods, and typically requires weekend and evening work, it’s a great field for anyone who enjoys meeting with people face-toface, setting their own hours and being active.
Financial Planning
Financial planning offers worklife balance, a high salary and the flexibility to chart your own career path.
As a financial planner, you can be
your own boss if you want to, or work for a firm large or small.
If you’re entrepreneurial-minded, take note — 38% of financial planners are self-employed, business owners or equity partners of a company.
Whether you specialize in a particular area of financial advising
or not, the best way to significantly expand your opportunities is by earning CERTIFIED FINANCIAL PLANNER® certification.
The median total compensation for financial planners in 2024 was $185,000, and CFP® professionals, high in demand among employers and clients, earn 13% more than their peers.
Financial planning careers offer dynamic, human-focused work environments, work-life balance, impressive compensation and the chance to holistically improve people’s lives.
Women should pay particular attention to the CFP® professional path: New CFP Board research finds that women prioritize passion and energy in their work, along with financial security and job security, while women college students are particularly looking to make a meaningful contribution and women career changers are especially motivated by better work-life balance. Financial planning is a career path that can deliver on all these fronts.
To learn more about becoming a financial planner and getting CFP® certification, visit CFP.net.
Event Planning
Event planners help people and organizations bring the most important days of their life to fruition.
From weddings and milestone birthdays to launch parties and conferences, event planning can take many forms.
As an event planner, you could be self-employed, work for a firm or even be the in-house planner at a venue.
A great job for multi-taskers who are as equally attentive to the big picture as the little details, this is a lively, creative career path that offers good pay and ever-changing projects and priorities.
Seeking a career that pays well and is flexible and fulfilling? Fortunately, there are dynamic work environments that can also be lucrative. (StatePoint)
What To Know About Cardiovascular Complications And Pregnancy
As you prepare for the arrival of your new baby, there’s likely one item on the top of your wish list: optimal health for you and your newborn.
A new study in the American Heart Association’s Circulation journal reports that cardiovascular-related complications during pregnancy may occur in as many as 1 in 7 pregnancies, even among people with no previous heart disease. This prevalence is on the rise due to increases in health risk factors for cardiovascular disease like obesity, high blood pressure, diabetes and high cholesterol.
Because risk factors sometimes go undetected, it’s critical to engage with a health care provider about heart health before, during and after pregnancy, regardless of health
Being a Self-Advocate
Getting proper care during pregnancy may require some self-advocacy. At 33 weeks pregnant, Molly McGuire experienced swelling, severe headache, vomiting and pain on the right side of her body. Her
doctors dismissed her symptoms as a normal part of pregnancy and possibly the flu. While attending a class on gestational diabetes, the instructor hooked McGuire up to a fetal heart rate monitor. She soon learned that her baby had died and she was suffering from severe preeclampsia that had morphed into HELLP syndrome, a life-threat-
ening pregnancy complication involving destruction of red blood cells, elevated liver enzymes and low platelet count. Doctors told her family she may not survive, and if she did, could be at risk of stroke or seizure that could lead to life-long disabilities.
Today, McGuire is part of the American Heart Association’s Go Red for Women Class of Survivors, a group of national volunteers who share their stories to raise awareness of heart disease and stroke in women. She advises any woman who is pregnant, or planning a pregnancy, to practice selfadvocacy throughout her term and beyond: “I knew something was wrong, but my concerns were not heard. You know your body best. Advocate for yourself and don’t be afraid to get a second or even third opinion.”
American Bison: The Heartbeat Of The Prairie
The plains bison (or buffalo) is America’s National Mammal. When you think of this majestic species, several associations may come to mind: their long history with Native people and the animal’s near extinction, their impressive size, and their place within our national parks.
“Bison are the great shapers of the North American grasslands.” says Dennis Jorgensen, bison program manager at World Wildlife Fund. “As both an ecological and cultural keystone, bison are the living heartbeat of the prairie.”
Ground Breakers and Home Makers
Grasslands are often subjected to frigid winters, wet springs and hot, dry summers. When precipitation arrives, bison help prairies absorb water through “hoof action.” Adult males can weigh more than a ton. As they walk across dry prairies, their hooves punch holes in the soil, allowing water to seep into the earth, rather than washing away.
If you’ve ever visited Yellowstone National Park, you might have seen bison demonstrating another interesting behavior called wallowing. Bison wallow (roll around) to remove parasites or scratch an itch. Many reuse the same wallowing spots, creating crater-like impressions across the landscape. When it rains, wallows fill with water, which slowly seeps into the soil. In areas where hundreds of bison roam, this network of basins creates a mineral-rich wetland habitat where amphibians, like tiger salamanders, lay eggs and unique plant communities thrive.
All this rolling around and scratching also help bison shed their warm, insulative fur, which many species of bird, from red-winged black birds to eastern kingbirds,
line their nests with to keep their young warm.
“Bison epitomize the interconnectedness that can exist between a landscape and species. These large grazers are intertwined with so many grassland plants, animals and people,” says Noelle Guernsey, senior specialist, Bison Restoration, World Wildlife Fund.
Road Crew
As bison graze, they turn grass into manure. This nutrient recycling process is critical for producing soil, fertilizing plants, and providing food, shelter and protection for other species. Dung beetles roll, tunnel and bury their way through it. Predatory beetles and garter snakes take shelter beneath droppings, awaiting flies and other prey. And even one species of mason bee is thought to nest in bison dung. Burrowing owls have also learned that lining their nest tunnels with bison dung is a great way to attract dung-beetles: one of their favorite snacks.
Supporting Healthy Policies
Beyond individual heart-healthy choices women can make during pregnancy to reduce their risk of cardiovascular-related complications, advocates say that changes need to be made at all levels of government.
April Wallace, the National Strategy and Partnerships Senior Manager for the National Collaborative for Infants & Toddlers (NCIT), knows firsthand how governmental policy decisions can support healthy moms and babies. After both her pregnancies, her blood pressure spiked to dangerously high levels.
During winter, bison play another vital role. Using their massive heads, horns and shoulder muscles, they clear away snow to reach tender plants hidden beneath. Smaller plant eaters, like pronghorn and deer, use these bison-cleared trails like highways to pass through deep snow that would otherwise be unpassable. These paths can be critical to their survival, since without access to new pastures and forage they might otherwise starve.
“In many ways, the plains bison is symbolic of the values the United States was founded upon. These animals are resilient, communityminded, determined, and tied to the fate of grasslands, which have provided for humans for millennia,” says Clay Bolt, Great Plains communications, World Wildlife Fund.
World Wildlife Fund’s “Stories of Hope and Wonder” is an ongoing series that connects people to the wonder of nature and offers hope for a future benefiting both people and wildlife. Each month, Stories of Hope and Wonder will feature a different species overcoming some of nature’s toughest obstacles to ensure their survival. To read past editions, visit www.worldwildlife. org/hopeandwonder. (StatePoint)
“I was fortunate: I’ve worked for the American Heart Association for a decade, so I already knew the basics of blood pressure monitoring. Most new moms don’t have that background and they deserve clear, consistent education and support,” says Wallace.
According to Wallace, navigating common, yet dangerous health risks is easier with the full support of the health care system. This includes strengthening Medicaid coverage so that all parents can access the postpartum checkups, medications and monitoring that save lives; passing policies like Paid Family and Medical Leave, so that new parents have the time to heal and attend critical followup appointments without risking their jobs or income; and investing in programs that make home blood pressure monitors, community-based doulas, and culturally responsive care accessible to every family, not just those who can afford it.
To learn more, visit ncit.org.
No matter your age, background or health status, connecting with a clinician can help you understand your risks for cardiovascular-related complications during pregnancy, and what steps you can take to reduce them. (StatePoint)
Living Well With Pulmonary Arterial Hypertension
November is Pulmonary Hypertension Awareness Month, and the American Lung Association, with support from Merck, is raising awareness about one form of the condition: pulmonary arterial hypertension (PAH).
PAH is a serious condition that can affect people of all ages. It occurs when the tiny arteries in the lungs become thickened and narrowed, which causes reduced blood flow through the lungs. This raises pressure in the pulmonary arteries and forces the heart to work harder to push blood through the narrowed vessels.
While there is no cure for PAH, there is medication to help manage the symptoms and slow disease progression. Getting a correct diagnosis is essential because without the proper treatment, PAH can be fatal.
While often seen in adults, pulmonary hypertension, including PAH, can also affect children. When Jackson was diagnosed with pediatric PAH at 14 months old, his family started advocating for his care early. “From the very beginning, we’ve done everything we can to ensure he is getting the best
treatment options,” Jayna, his mom says.
Once accurately diagnosed, Jackson’s family embarked on a journey of managing PAH in their young child, “We had to figure out how to manage a toddler with a subcutaneous pump. It was terri-
fying, but we knew it was what he needed,” says Jayna.
No matter the age of the patient, these key actions can help your family navigate a diagnosis of pulmonary hypertension:
Find a trusted PH specialist. A specialist will tailor your treatment specific to your needs. Being able to talk with your specialist is vital in developing your personalized care plan. As Jackson shares, “My doctor is amazing,” assisting him with a comprehensive healthcare plan and helping him navigate PAH as he transitions from childhood to adolescence.
Learn all you can about PH and PAH. Take the PH Basics course offered by the American Lung Association. This free, short online module is designed to help patients and caregivers understand symptoms, monitoring, treatment options and more.
Activate your support network. Join support groups and peer communities to build knowledge and resilience and receive emotional support. Jayna found an online pulmonary hypertension community of other parents, which made it “easier to cope, learn from others and feel less isolated,” and eventually became one of the community’s administrators.
Learn more about PAH this Pulmonary Hypertension Awareness Month at Lung.org/pah.
Being diagnosed with pulmonary arterial hypertension is lifechanging. However, with trusted resources, support and a strong relationship with a specialist, it’s possible to better manage PAH and maintain a better quality of life at any age. (StatePoint)
The United States Needs More Afterschool Programs, New Study Finds
(Continued From Page 01)
The parents of 29.6 million children, more than half the school-age students in the United States, want afterschool programs for their children – but just 7 million children are currently enrolled. Another 22.6 million children would attend afterschool programs if they were available.
That means three in four of the children (77%) whose parents want to enroll them in an afterschool program are being left behind. Cost, availability, and accessibility are the barriers families cannot overcome.
Those are among the findings of “America After 3PM 2025,” a report released in October by the Afterschool Alliance.
The survey of 30,515 U.S. parents of school-age children finds a wide, and widening, opportunity gap, with children in low- and middleincome families more likely to be without the afterschool programs their parents want for them than children in high-income families.
Families in the highest income bracket now spend approximately nine times as much on out-ofschool time activities as families in the lowest income bracket, up sharply from five years ago.
“Afterschool programs give students a safe place to go after the school day ends, boost their academic achievement, help address the youth mental health and chronic absenteeism crises, provide alternatives to screen time, give working parents peace of mind that their children are safe and super-
vised, and more,” said Afterschool Alliance executive director Jodi Grant. “But there aren’t nearly enough afterschool programs to meet the need.”
More than 8 in 10 parents agree that afterschool programs provide opportunities for children to learn life skills like interacting with peers and responsible decision making, and help them develop teamwork, critical thinking, and leadership skills.
Eighty-four percent say afterschool programs allow working parents
to keep their jobs or work more hours, and 92% of parents with a child in a program say they are less stressed knowing their child is safe. To learn more about the study, visit afterschoolalliance.org.
“Our country will be stronger and more successful when all children can take advantage of what afterschool programs offer – but, sadly,
this study shows we’re nowhere near reaching that goal,” Grant added.
“We need greater support from federal, state and local governments, businesses, and philanthropy. Every child deserves access to a quality afterschool program.” (StatePoint)
White House Says H1b Program Has Been Abused, Vows To Fight Lawsuits
(Continued From Page 01) She clarified that the new policies are intended to address these systemic issues, stating that the President “wants to refine this system, which is part of the reason he implemented these new policies.”
The White House spokesperson concluded her defense by underscoring the legal standing of the administration’s action. “These actions are lawful, they are necessary, and we’ll continue to fight this battle in court,” she affirmed. Leavitt’s comments come amid significant pushback from the business and education sectors. The U.S. Chamber of Commerce filed a high-profile legal challenge against the administration’s directive.
The Chamber argues that the new $100,000 fee is plainly unlawful because it overrides the requirements of the Immigration and Nationality Act. Specifically, the litigation asserts that the fee structure is illegal because the INA dictates that such charges must be based on the government’s actual costs incurred in processing visas, a benchmark the sixfigure fee drastically exceeds. (Continued On Page 23)
Leverage Tax Credits For Energy-Efficient Home Upgrades
Homeowners still have time to take advantage of a federal tax credit of up to 30% of the cost of eligible energy-efficient home improvements.
The Energy Efficient Home Improvement Credit (also known as the 25C tax credit) can help offset the expense of updating or upgrading major home systems while also lowering energy consumption.
Understanding the 25C Tax Credit Homeowners in the United States may be eligible when they install qualifying energy-efficient equipment in their primary residence such as all-climate electric heat pumps, insulation, windows and other improvements.
The credit is subject to some limitations; for example, a homeowner can only claim up to $2,000 per year for a heat pump. The installation must be an addition or improvement to an existing home, not a new home, and can be used in combination with other tax credits or incentives such as local, utility and federal incentives and IRA programs.
The current version of this tax credit was implemented Jan. 1,
and expires Dec. 31, 2025.
In addition, rising energy costs and potential regulatory changes in 2026, such as updated guidelines on refrigerant, make late 2025 a strategic time to upgrade systems.
Smart Ways to Use the Tax Credit
Generally, energy-saving upgrades are some of the most common home improvement projects because they enhance the home’s overall function while increasing the potential for cost savings on energy bills.
Some qualifying upgrades do dou-
ble-duty by enhancing the home’s curb appeal while reducing energy requirements. Common examples include windows, skylights and exterior doors.
Insulation and air sealing materials such as caulk and weatherstripping are also common choices, especially in older homes where insulation may be below current standards and settling has created gaps for air leaks.
Another common selection for homeowners looking to take advantage of the 25C tax credit is climate control systems, and an
increasing number are turning to all-climate, all-electric heat pumps.
One major reason is their high performance when it comes to energy efficiency.
According to the U.S. Department of Energy, today’s heat pumps can reduce electricity use for heating by 65% compared to electric resistance heating. In fact, Mitsubishi Electric all-climate, allelectric heat pumps have an efficiency rating at 260490% compared to traditional systems at or below 100%.
In addition to their proven track record, contrary to a popular misconception that all-climate heat pumps are only for milder regions, the systems can operate quite effectively in both high heat and extreme cold. As a result, they provide homeowners with greater comfort and control of their indoor climate.
Take Steps to Beat
the Deadline
If you’re a homeowner planning to make upgrades and claim 25C tax
credits, now is the ideal time to get your project underway.
• Choose qualifying equipment. While some brands’ complete product lines meet the qualification criteria, others do not. Do your homework to ensure the model you’re installing is eligible for the credit. Your salesperson may be able to provide information, or you can visit the manufacturer website or contact the manufacturer directly for details.
• Work with a certified contractor. Many reputable brands, including Mitsubishi Electric, offer a contractor network with highly skilled, knowledgeable and reputable installers.
• Save your receipts to file. When you prepare your 2025 tax forms, you’ll need to complete IRS Form 5695. Specifically, you will need to provide the manufacturer’s pin number and other details about your purchase, including proof of purchase.
Find more tips to get started on a tax credit home upgrade project at mitsubishicomfort.com/inflationreduction-act.
Photo courtesy of Getty Images (Family Features)
Serve A Naturally Sweet, Flavorful Fall Pumpkin Soup
Cool, crisp fall evenings call for the warmth and comfort of a big bowl of soup, filled with the flavors of the season.
This Sweet Pumpkin Soup offers a naturally sweetened and creamy fall staple.
Crafted with canned pumpkin, carrots, celery, honey and a medley of autumnal spices, this Sweet Pumpkin Soup is sure to become your fall go-to.
With Busy Bee Honey’s raw, fully traceable and exclusively USAsourced honey, you can feel just as good about your ingredients as you do their flavor.
Busy Bee Raw Honey puts trace-
ability front and center, challenging a common misconception when it comes to honey.
Many products labeled “pure” or “local” can contain blends from multiple sources that make honey untraceable and diluted with addi-
tives.
However, using the Real Honey Code found on every bottle, you can trace your honey’s journey from hive to shelf.
Tested three times for purity, each peel-away label reveals when and where the honey was made, bringing its origin story straight to your table.
Sweet Pumpkin Soup
1/2 cup carrots, chopped
1/2 cup celery stalks, diced
1 cup shallots, chopped
3 tablespoons butter
30 ounces canned pumpkin (not pie filling)
6 cups chicken or vegetable broth
1/2 teaspoon ground cloves
1/4 teaspoon ground allspice
1/4 teaspoon ground ginger
1 cup heavy cream
1/4 cup Busy Bee Raw Honey salt, to taste pepper, to taste parsley (optional) red pepper flakes (optional)
To find more information and availability, visit BusyBeeHoney. com.
In stockpot, saute carrots, celery and shallots in butter until slightly browned.
Add pumpkin, broth, cloves, allspice and ginger.
Bring mixture to simmer and cook about 20 minutes.
Remove from stockpot and puree using immersion blender.
Return to stove and slowly add cream and honey until well combined. Return to simmer and adjust seasoning with salt and pepper, to taste.
Garnish with parsley and red pepper flakes, if desired. (Family Features)
2023,
PICTURE BOOK WORLD
By Shachi Kaushik
As the days grow shorter and the holidays draw near, November becomes a time for reflection, gratitude, and togetherness. It’s also the perfect season for children to discover stories that honor culture, celebrate tradition, and inspire everyday kindness
Here are some beautiful picture books that invite families to share warmth, joy, and meaningful conversations this season.
In November
By Cynthia Rylant, illustrated by Jill Kastner
This poetic book paints a peaceful picture of the changing season. Through lyrical text and soft illustrations, readers experience how animals prepare for winter, how families gather indoors, and how the natural world settles into stillness.
It is a quiet, calming story that encourages children to observe and appreciate the rhythms of nature and the comfort of home.
Happy Friendsgiving: A Thanksgiving Celebration of Found Families
By Marcie Colleen, illustrated
Laura Sandoval Herrera
This cheerful picture book offers a fresh take on Thanksgiving by celebrating found family — friends, neighbors, and chosen community coming together to cook, share, and give thanks. A young narrator guides readers through the day as friends prepare meals, watch a parade, play football, and help clean up.
The focus on inclusivity and togetherness makes the story warm and relatable. Vibrant illustrations show diverse families celebrating in apartments, on rooftops, and in suburban homes, each table filled with a mix of cultural and traditional dishes. At its heart, this story is a joyful reminder that Thanksgiving is about love, kindness, and community.
Game-Changing
Anni Dreams of Biryani
By Namita Moolani Mehra, illustrated by Chaaya Prabhat
food is one of the most joyful ways to connect.
If you love biryani, this book will make you crave a plate. Anni is a spirited girl with a big dream: to cook the best biryani in the world. Every day, she watches the grumpy Biryani King at the café across the street and wonders what makes his biryani so famous.
Determined to unlock his secret, Anni experiments, asks questions, and dives into the flavors and feelings behind the food. Set in a bustling South Asian neighborhood and bursting with color and flavor, this book is a celebration of food, determination, and following your dreams.
These stories are perfect for read-
ing aloud on chilly evenings, sharing in classrooms, or gifting to young readers this holiday season. Whether you’re lighting candles for Hanukkah, gathering for Thanksgiving, or simply enjoying a quiet fall evening, these books offer something meaningful for every family.
When children see their traditions reflected in books, it builds pride. When they learn about others, it builds empathy. These picture books are more than seasonal reads. They are bridges between cultures.
Visit your local library or bookstore and bring the warmth of these stories into your home this November.
Partnership Between Super Kings Academy And WCI Academy Establishes High Performance Center In Austin
(Continued From Page 01)
This partnership brings together two respected institutions with a shared vision: to nurture future cricket stars and raise the standard of youth coaching in Texas and beyond. SKA, the official youth academy of Indian Premier League (IPL) franchise Chennai Super Kings (CSK), is globally recognized for its impactful training programs for young athletes. WCI Academy, a leader in highperformance talent development in Central Texas, continues to make its mark by preparing talents for national championships while engaging deeply with the community.
The Prime 22-Yard indoor facility in Leander, founded by Kalyan Jarajapu, anchors this initiative, offering advanced technology and infrastructure for year-round training regardless of weather conditions. Jarajapu has been involved in building state-of-the-art indoor facilities in multiple cities.
Complementing this, the highclass outdoor cricket fields at Williamson County Park in North Austin provide top-tier playing conditions—an ideal environment for skill-building, competitive
matches, and community engagement.
Vignesh L, former Tamil Nadu Ranji Trophy player and bowling coach, now Head Coach of SKA (TX), highlighted the shared vision. “Our collaboration with WCI Academy reflects our commitment to youth cricket.
This High Performance Center under Super Kings Academy in Austin will serve as a beacon for aspiring cricketers, giving them unparalleled opportunities to train, compete, and thrive.”
Alok Singh, corporate executive, Level-4 Elite Coach, and founder
of WCI Academy, echoed the excitement: “We are thrilled to embark on this journey with SKA. Together, we are setting bold new standards in cricket coaching and laying the foundation for a legacy of excellence. This center
will not only refine talent but also ignite a lasting passion for the game at higher levels.”
Beyond player development, the initiative will strengthen partnerships with schools, universities, and city and county organizations, embedding cricket into the region’s sporting fabric.
As Austin continues to grow as a diverse and dynamic metropolitan area, this venture positions the city as an emerging powerhouse in international cricket—attracting talents from across the United States and beyond.
About Super Kings Academy
Super Kings Academy (SKA), a premier youth cricket coaching initiative launched by Chennai Super Kings (CSK), is dedicated to nurturing young cricketing talent through expert coaching and professional training environments.
While CSK is one of the most celebrated teams in the Indian Premier League (IPL), the academy serves as a vital platform for aspiring players to hone their skills and strive for their full potential in a disciplined setting. More details visit www.superkingsacademy.us
About WCI Academy
WCI Academy is a rapidly expanding institution based in Austin, TX and focused on developing young cricket talents. WCI’s team Austin Blasters has been competing across all age-groups and has won multiple championships at national levels. WCI Academy also combines high-performance training with community engagement.
Through its nonprofit arm, Cricket4All.org, the academy provides crucial opportunities and resources for aspiring cricketers from diverse backgrounds. For more details visit www.WCIAcademy.com
This holiday season, share your favorite dish with others — because
An On-Trend Guide To Regional Aesthetics And Durable Design
Manufactured stone veneer (MSV) brings timeless design to any space, but it’s far from “one size fits all.” Styles, colors and texture preferences often vary by geography, climate and architectural tradition.
Today, homeowners, builders and designers alike are increasingly drawn to regionally inspired looks that complement local landscapes and home styles. As trends evolve, MSV has risen in popularity for its versatility and ability to reliably embody authentic regional materials. The styles that dominated a few years ago have shifted, giving way to fresh combinations of palettes and textures.
Selecting the right stone allows projects to blend seamlessly with
their surroundings, enhancing both curb appeal and resale value. Regional architecture can serve as a helpful guide, whether your inspiration comes from coastal cottages, Southwestern adobes, New England farmhouses or Midwest craftsman homes.
While some homeowners use quarried natural stone to achieve the look they desire, MSV offers a cost-effective alternative with serious durability and minimal maintenance.
With consistent quality, easy installation and a wide range of options, Westlake Royal Stone Solutions’ multiple product lines make it simple to achieve authentic, regionally inspired designs. The Eldorado
Easy Snack Bars For A Pop Of Energy
Snacks are a staple in the American diet. If you often find yourself eating while on the go, you know how important it is to keep your energy up without sacrificing nutrition with quick, convenient meals and snacks. Whether you’re commuting to work, dropping the kids off at school or heading home from a workout, whole grains, granola and protein offer nutrients your body needs.
These Popcorn Granola Snack Bars are an energy-boosting pickme-up, providing the stamina you need along with delicious flavor. As a tasty combination that satisfies hunger, popcorn, granola and peanut butter join forces to help you keep going between meals or replace a meal when schedules get hectic.
They’re easy to make and feature popcorn, a whole grain that’s 100% unprocessed with no additives, hidden ingredients or GMOs. Alone, air-popped popcorn has only 30 calories per cup.
Popcorn is also a whole grain that provides energy-producing complex carbohydrates and nutrients including zinc and B vitamins and contributes fiber to the diet for a satisfying treat that helps you feel fuller longer.
This Popcorn Granola Snack Bars recipe makes plenty for the week so you can enjoy while they’re fresh then store the leftovers in the refrigerator for easy snacking any time.
To find more popcorn snacks to satisfy cravings on the go, visit Popcorn.org.
Popcorn Granola Snack Bars
Recipe courtesy of The Popcorn Board
Yield: 16 bars
Nonstick cooking spray
1/2 cup honey
2/3 cup peanut butter
1 cup granola cereal
1 cup roasted and salted peanuts
3 cups popped popcorn
Line 8- or 9-inch square baking pan with foil. Spray foil lightly with nonstick cooking spray; set aside.
In large saucepan, heat honey until boiling. Stir in peanut butter until well blended.
Remove pan from heat and stir in granola, peanuts and popcorn until coated.
Press mixture evenly into prepared pan. Refrigerate until cool; cut into bars to serve.
Nutritional information per 1-cup serving: 180 calories; 11 g total fat; 2 g saturated fat; 0 mg cholesterol; 90 mg sodium; 18 g carbohydrates; 2 g fiber; 12 g sugar; 6 g protein; 147 mg potassium.
(Family Features)
Stone collection, for instance, features everything from coral stone and rustic fieldstone to meticulously handcrafted brick, wood-look textures and more.
Whether you’re looking to embrace styles from your own region or draw inspiration from another part of the country, these insights can help you craft a design aesthetic that feels both current and connected.
Northeast: Aesthetics tend toward warmth with neutral colors and natural materials that reflect the coastal geography and design elements that echo the local environment.
Natural materials like wood and stone are common, as are distressed or weathered looks that lend an antique or vintage feel. When it comes to stonework, in this region you can expect to find an array of cool grays, ledgestone profiles and rugged textures echoing historic masonry.
Southeast: The timeless charm of a Southern home blends numerous elements to create a look that is inviting but still traditional. Symmetrical facades, architectural details like porches or columns and rich wood accents are popular choices, as are earthy tones, brick and wood accents. Stone aesthetics lean toward warmer earth tones and tumbled looks that complement brick blends and traditional styles.
Midwest: Look for simple designs with clean edges, neutral tones and natural materials. Decor leans toward rustic or country with touches that elicit a feeling of comfort and relaxation. Neutral or mixedtone fieldstones and contemporary stacked stone profiles are particularly popular for both interior and exterior elements of craftsman or transitional homes.
Southwest: Contrary to the perception of a drab brown desert, local geography lends character to design with vibrant earthy palettes. Natural woodwork textures that contrast with rustic features like metals create a distinctive aesthetic. Lighter, sandy hues of stonework and smooth or elongated profiles that reflect desert landscapes and Spanish-influenced architecture are common among Southwest homes.
West Coast: Further west, you’ll see a transition from warm, desertinspired neutrals to cooler, oceanlike tones. Architecture leans toward modernism with a casual, relaxed vibe. Designs that promote a seamless flow between indoor and outdoor living are common. Complementing organic wood and natural textile selections are often modern, linear styles with cooler neutrals and greige palettes for clean, coastal or urban designs.
Find more inspiration and tips to bring regionally inspired, on-trend MSV into your next home project at westlakeroyalbuildingproducts. com.
Practical Tips for Choosing Stone Veneer
MSV can add eye-catching ambiance to your home, whether you’re using it inside or out, for a big statement or subtle accent. It’s a popular choice due to its durability and affordability. MSV also comes in a range of options, making it easy to find a match for your home’s design.
• Look at nearby historic and new builds to guide your palette and profile selection.
• Consider how your selection will integrate with your home’s complementary materials, such as brick, siding, exposed wood or trim, and colors.
• Work with local dealers or design professionals to help you pinpoint region-specific recommendations.
Photos courtesy of Westlake Royal Building Products (Family Features)
Resilient Home Upgrades
In an era when extreme weather events are increasingly common, resilient home upgrades are now more of a necessity than a luxury. Homeowners and builders alike are seeking materials that can withstand harsh conditions while maintaining high-end aesthetics.
This shift is driven by not only the need to protect homes from severe weather and reduce long-term maintenance costs, but also to create seamless indoor-outdoor design continuity.
In fact, indoor-outdoor coherent design is a top outdoor living trend, according to nearly 80% of design experts surveyed by the Brick Industry Association. Furthermore, Zillow data found eco-friendly, resilient surfaces can boost a home’s resale value by up to 2.8%.
To improve your home’s ability to stand up to harsh weather, pests and more while enhancing curb appeal, consider these lowmaintenance, long-lasting upgrade ideas from the experts at Westlake Royal Building Products, a leader throughout North America in the innovation, design and production of exterior and interior building products.
Protect Your Home from Above Your roof is your home’s first line of defense against the elements. Investing in storm-resistant roofing materials can reduce the risk of damage during severe weather events. Modern roofing solutions are designed to withstand high winds, heavy rain and even hail, providing peace of mind and long-lasting protection.
Incorporate Durable, Lasting Beauty
Siding plays a vital role in protecting your home from extreme weather, ground contact and insect damage while contributing to its aesthetic appeal.
Durable siding solutions, such as TruExterior poly-ash siding, crafted from a blend of fly ash and polymers, provides the aesthetic of real wood with enhanced durability and performance. With a range of profiles –board and batten, nickel gap, channel, channel bevel and shiplap – it can be cut, milled, glued, stained and painted, catering to diverse design preferences and various architectural styles.
Or for a rich, authentic stone appearance without added installation time, consider Versetta Stone siding. Bold and neutral tones allow for a variety of design styles, from modern to timeless, in traditional, quarried
stone and rugged, irregular profiles. Its panelized format hangs with screws for easier, faster installation compared to traditional masonry.
Upgrade Windows and Doors
Modern windows and doors are designed with advanced materials and technologies, such as impact-resistant glass and reinforced frames, that enhance their resilience.
High-quality, storm-resistant windows and doors can prevent water infiltration, withstand high winds and provide security against break-ins. They not only improve safety but can also help improve energy efficiency and reduce noise.
Keep Water and Pests Out
Trim is an often-overlooked component when it comes to protecting your home from water infiltration and pests. Elevate your exterior with the timeless look of painted wood – without the cracks, warping or constant repainting – with an option like Kleer PVC trim.
With its tongue-and-groove design, it’s suitable for modern or traditional styles and ideal for high-traffic or moisture-prone areas. It replicates the warmth and character of real wood, but is engineered to resist moisture, termites, dirt and UV damage, keeping your home looking fresh year after year.
Additionally, architectural PVC trim and mouldings from the Grove Collection come in six colors including American walnut, oak ridge, natural cedar, smoke grey, weathered oak and charred timber, allowing for customization to match the architectural style of outdoor living spaces, porch ceilings, soffits and more. Low-maintenance, long-lasting and moisture- and insect-proof, the column wraps slip over existing columns with a hidden, color-matched fastening system that enhances curb appeal.
Maintain Your Home’s Structural Integrity
Proper drainage prevents water from pooling around the foundation, which can lead to serious damage over time. Installing a well-designed drainage system – complete with gutters, downspouts and drainage tiles built to withstand heavy rainfall – ensures water flow is efficiently directed away from your home, helping protect it from potential issues.
Visit westlakeroyalbuildingproducts.com for more ideas and inspiration to make your home more resilient.
(Family Features)
Easy Upgrades To Improve The Lives Of Older Adults
(Continued From Page 12)
1. Create a safer entryway. For older adults, steps to the front door can be an obstacle. A ramp or zero-step entry allows for easier coming and going, and a covered porch or awning keeps walkways dry.
Path lights improve visibility at night, and a sturdy bench by the door provides a place to rest or put groceries.
2. Upgrade the bathroom. According to multiple studies, falls in the bathroom are more likely to cause injury than in other parts of the home.
If you’re planning a bathroom project, start with small changes like raised toilet seats or toilet and shower grab bars. For a more extensive remodel, install non-slip flooring, replace traditional tubs with walk-in showers and add handheld showerheads.
3. Improve flooring. The flooring in your home can have a big impact on safety. If you have thick or loose carpet, consider replacing it with a low-pile option.
Slip-resistant flooring, such as vinyl or cork, also provides good traction and can be more forgiving than hardwood or tile. Simple visual cues can help, too. Transition strips between rooms or on stair edges make changes in floor level easier to see.
4. Brighten up rooms.
Brighter overhead fixtures improve visibility, making it easier to spot steps, furniture and other obstacles. At night, motion-sensor lights brighten bathrooms and hallways so it’s easier to move around safely.
Lighting can also support overall well-being. Bulbs mimicking natural daylight help regulate the body’s circadian rhythm, boosting energy during the day. In the evening, switch-
ing to softer, warmer light signals the body to wind down.
5. Keep essentials within reach. Storing everyday items at waist or shoulder height reduces the need for stretching, bending and climbing, all of which can increase the likelihood of falls. Sometimes a simple cabinet reorganization is enough but features like pull-down shelving can make storage more accessible.
Extender rods or remote controls let you adjust ceiling fans and lights from the ground, while motorized window shades can be raised or lowered with the push of a button.
For more resources and support for seniors, visit mealsonwheelsamerica.org.
A Milestone Makeover
Juan Lopez, a 63-year-old U.S. Army and Air Force veteran, has always been a doit-yourselfer. When an ice storm sent a tree limb crashing through his roof, the damage was more than he could handle. Water seeped inside and mold quickly affected his wife’s health.
Through Helping Homebound Heroes, Lopez received critical support. Crews completed nearly $40,000 in upgrades, from replacing his roof to installing new windows, a furnace and walk-in showers with grab bars.
“I don’t know what I would’ve done if they had not stepped in,” Lopez said. “It’s been such a blessing in our lives.”
Since 2015, The Home Depot Foundation has contributed more than $21 million to Meals on Wheels programs, helping veterans like Lopez remain safely and comfortably in their homes as they age.
Photo courtesy of Shutterstock (home with wheelchair ramp)
(Family Features)
How To Make Rest A Priority While On The Road
From crossing time zones to adjusting to new surroundings, getting quality sleep while traveling can be a challenge. Whether traveling for business or leisure, between long flights and packed itineraries, travelers often struggle to get the rest they need to wake up refreshed.
Sleep plays a vital role in supporting both physical and mental health, mood and overall resilience. Making a few simple choices can set the stage for deeper, more restorative sleep that supports overall wellbeing.
Pack Your Comfort Cues
Travel can disrupt routines, which may affect both sleep and mental wellbeing. Bringing small reminders of home that signal bedtime, such as an eye mask, cozy socks or a familiar scent, can help ease the mind, reduce stress and settle into a new environment. If you forget these items, select hotels offer dedicated sleep kits available for guests to add-on to their stay, including items like herbal tea, aromatherapy
roll-ons and more. Simple rituals like these can reduce travel-related stress and support both relaxation and peace of mind.
Keep a Consistent Rhythm
Disrupted sleep patterns can impact mood, focus and clarity, making it harder to fully enjoy a trip or perform well while on the road. Maintaining steady bed and wake times, even when traveling, can help stabilize both your body clock and mental state. Dimming
the lights before bed, putting away screens and practicing mindfulness can help your body and mind recognize when it’s time to rest.
Unwind with Soothing Sounds
Sometimes the quickest way to calm the mind is through relaxing audio. Across more than 450 participating Hyatt hotels, guests can enjoy exclusive access to five Sleepcasts on in-room TVs, created by Headspace with travelers in mind. Each 45-minute track is in-
spired by a unique destination and theme, such as tropical serenity at Alila Villas Uluwatu, island twilight at Grand Hyatt Kauai Resort & Spa or misty mountain at Park Hyatt Niseko Hanazono. These immersive story-based audio journeys blend gentle narration with ambient soundscapes, designed to help travelers release tension, quiet busy thoughts and drift into healthy, restful sleep.
Look for Rest-Ready Stays
Not all hotel rooms are designed the same. If you struggle to sleep well while on the road, look for accommodations that tailor guestrooms with sleep in mind, such as customized sleep suites with extras like pillow menus, blackout curtains or responsive beds that adapt to individual sleep patterns. Choosing accommodations that put wellbeing at the forefront can help ensure a more balanced, restful experience while away from home.
Tap into Wellbeing Resources
Some hotels are expanding offerings to help travelers get quality
rest and support their mental wellbeing. Many provide complimentary in-room or digital tools you can access on your phone. Travelers can also prepare ahead of a trip with resources like Hyatt and Headspace’s science-backed sleep series, available on the World of Hyatt app and at participating hotels, offering sleep tips for pre-, during and post-trip.
For a more immersive experience, wellbeing resorts such as Miraval provide dreamwork and sleep science coaches who offer personalized strategies to cultivate deeper and more restorative sleep. These resources not only support healthy sleep but also promote relaxation and help travelers return home feeling more refreshed.
Whether you are traveling for leisure, business or a mix of both, getting a good night’s rest is essential to making the most of your trip. Visit Hyatt.com to explore more ways to relax, recharge and care for your wellbeing while on the road. (Family Features)
ACROSS
1. Flows’ partners
5. “When Harry ____ Sally...”
8. Sound of laughter
12. *”Hide” behind the bush
13. Bébé’s mother
14. *Age units in the woods
15. Rum cake
16. Placido Domingo’s solo, e.g.
17. Concluded
18. *”Into the Woods” star Anna
20. Come clean, with up 21. Terra ____
22. Urge Spot to attack
23. One of seven gnomes
26. Prior to the present (3 words)
30. FEMA provisions, e.g.
31. Erratum, pl.
34. Int. org. in Brussels
35. Merge
37. Time frame
38. Right-hand page
39. 1920s art style
40. Cause of wheezing
42. Like The Hot Chili Peppers
43. ____ God we ____,” on U.S. currency
45. Some vipers
47. Clairvoyant’s gift
48. Source of chocolate
50. Form of payment
52. *Edible fungus
55. Multi-layered cake
56. Mélange
57. Utah’s national park
59. Bake an egg
60. Plural of #22 Down
61. *”____ the Woods” play and movie
62. Prefix for multiple
63. Japanese honorific
64. Barely got by
DOWN
1. Singular of #1 Across 2. *Woodpecker’s pecker
3. *One lost in the woods
4. Posture
5. Boy Scout’s badge
6. “Fear of Flying” author ____ Jong
7. *Furniture wood
8. *Conifer’s dropping
9. Peters out
10. Def Leppard’s “Rock of ____”
11. Psychedelic drug, acr.
13. St. Valentine, e.g.
14. Equip again
19. One of Seven Dwarfs
22. Rejuvenating spot
23. ____ Arabia
24. Wrinkle-prone fabric
25. Declaration of Independence, e.g.
26. 2002 Winter Olympics state
27. Mother-of-pearl
28. Weasel’s cousin
29. *Golf’s great
32. Catch one’s breath
33. A in MOMA
36. *Scientific study in woodlands
38. Meteorologist’s tool
40. Nile reptile
41. Masculine one and proud of it, pl.
44. Theater greeter
46. Something extraordinary
48. “Mea ____,” or “my fault”
49. Hailing from the East
50. Type of salmon
51. *Seed covering
52. *Trunk growth
53. Sty cry
54. Speck
55. Recipe amt.
58. Go-ahead
Set The Table For Holiday Festivities With Make-Ahead Appetizers
With all the work ahead on magnificent main courses, stunning sides and decadent desserts, there’s one element of the holiday meal that should remain easy and effortless: the appetizer table.
However, “easy” doesn’t have to mean “plain.” Start the celebration with delicious hors d’oeuvres like Bacon Jalapeno Popper Cheeseballs with just the right amount of spice to light up the crowd without overwhelming.
Of course, you can always turn to classic Deviled Eggs and Bacon for a no-brainer recipe that’s ready in advance. Just garnish with celery curls and mini radish sticks at the last moment for an appetizer that’s as visually appealing as it is delightfully simple and tasty.
cultivation for almost 100 years, Duda Farm Fresh Foods has redefined what celery can be. Crispier, sweeter and less stringy for superior taste and bite, Dandy Celery is perfect for holiday snacking and incorporating into your family’s favorite dishes.
In addition, it’s packaged fresh and crisp with no preservatives. Celery is low in calories, high in fiber and packed with flavor, making it a smart choice for snacking and cooking during an otherwise indulgent season.
To discover more ways to simplify holiday prep, visit DudaFresh.com.
Bacon Jalapeno Popper Cheeseballs
Yield: 8 cheeseballs
With a legacy of quality, innovation and consistency in celery cheese
To make cheeseballs: Combine cream cheese, cheddar cheese, cumin, onion powder, canned jalapenos, 1 tablespoon fresh jalapenos, 1/4 cup green onions, salt, pepper and 1/3 cup chopped bacon. Using spoon or rubber spatula, mix thoroughly.
To make coating: In small bowl or plate, combine remaining green onion (green parts only), parsley, remaining fresh jalapenos and remaining bacon.
Using 2-ounce ice cream scoop, portion eight equal balls, placing in shallow bowl to roll and cover with coating.
Serve with celery sticks and radish coins.
Deviled Eggs and Bacon
Servings: 8-12
12 cage-free eggs, hard-boiled and peeled
2 tablespoons mayonnaise
1 tablespoon prepared yellow mustard
2 tablespoons sour cream
2 tablespoons whipping cream
1/4 teaspoon salt
1/4 teaspoon pepper
2 green onions, roughly chopped
2 stalks Dandy Celery, julienned
1 package Dandy Radish Ministicks
4 slices bacon, cooked to crisp and cut into 24 pieces
ground Aleppo pepper or paprika sea salt flakes
Slice eggs in half lengthwise. Remove yolks and place in food processor bowl. Add mayonnaise, mustard, sour cream, whipping cream, salt, pepper and green onions. Mix until smooth, scraping down sides between pulses. Remove from food processor and place mixture in piping bag fitted with star tip.
Pipe filling into each egg white half. Display filled eggs on platter before applying toppings.
To prepare celery, place in water to curl cut celery. Set aside leaves for garnish.
Place celery curls, radish sticks and crispy bacon on top of each egg. Sprinkle with Aleppo pepper and sea salt. Garnish with celery leaves, if desired.
White House Says H1b Program Has
Been Abused, Vows To Fight Lawsuits
(Continued From page 16)
In addition to the Chamber’s filing, a broad coalition of unions, employers, educators, and religious groups has filed separate lawsuits in federal courts across Washington, D.C. and California.
These groups contend the fee is both “arbitrary and capricious” and will ultimately harm critical U.S. industries that rely on high-skilled foreign talent, including the tech sector, which sees companies like Amazon, Microsoft, and Google heavily utilize the H-1B program.
The U.S. Chamber of Commerce has warned that the steep fee will make it cost-prohibitive for many U.S. employers—especially small and midsize businesses—to hire global talent, potentially forcing companies to scale back or abandon the H-1B program entirely.
(Courtesy: https://indiawest.com/)
A Celebration Of Connection, Creativity, And CommUNITY
(Continued From Page 01) The festival takes place Saturday, November 8, 2025, from 2:00 PM – 7:00 PM at Central Machine Works (4824 E. Cesar Chavez St). Local musicians, performers, and makers will unite for a day of live music, dance, interactive art, and community connection.
The outdoor stage will feature an exciting lineup, including The Latin Dukes, Ronnie Hall, Texas Southern Sea Lion Dance, Hum A Capella, Step It Up Line Dance, and Chantel Denise, with Brigitte Bandit serving as the spirited Festival Emcee.
Attendees can also explore a creative marketplace with local artisans and small businesses such as Awakened Journey and Melanated Source, along with other community partners offering handmade goods, crafts, and experiences. Families can enjoy a dedicated children’s activity zone with face-painting, nail art, jewelry-making, and furry-friendly fun. Admission is free, and donations are encouraged. 100% of proceeds
will fund youth scholarships, college application fees, and community wellness initiatives that strengthen connection across generations and cultures.
“BRAVE has helped me find my voice and confidence. Whether making art with kids at MLK Day or meeting new friends at BRAVE Fest, it’s all about community, and I’m proud to be a part of it,” shared K, Moore, BRAVE Young Leader (since 2023), Junior at Del Valle High School.
Sponsorship and partnership opportunities are available for BRAVE Fest 2025 and future BRAVE Communities programs.
RSVP today: https://bit.ly/BRAVEfest2025 In Community, Matthew Nichols (BRAVE Volunteer) See you on 11/8 for BRAVE Fest 2025! Free with RSVP! Partnership + Sponsorship Opportunities!
US Registers Highest Mea- sles Case Count Since 1992
WASHINGTON, DC -The United States has registered 1,618 measles cases with three deaths so far this year, the highest number since 1992, according to official data released.
Among them, 1,595 cases were reported by 42 domestic jurisdictions and 23 cases were among international visitors to the United States, said the US Centers for Disease Control and Prevention (CDC). The total represents the most US infections since 1992, when the CDC recorded 2,126 measles cases.
Of the confirmed cases this year, 198 cases, or 12 per cent of the total, have required hospitalization, including 95 children under the age of five. Three people have died from measles, Xinhua news agency reported.
According to the CDC, 92 per cent of measles cases in the United States occurred among people who were unvaccinated or whose vaccination status was unknown.
Public health experts said the figures reflect a sharp resurgence of measles in the United States and underscore the importance of vaccination coverage.
Measles is a highly contagious viral disease transmitted by respiratory droplets and direct contact. Common complications include fever, dry cough, runny nose, sore throat, and inflamed eyes. The disease can be prevented by immunization.
Measles infects the respiratory tract and then spreads throughout the body. Symptoms include a high fever, cough, runny nose, and a rash all over the body.
Being vaccinated is the best way to prevent getting sick with measles or spreading it to other people. The vaccine is safe and helps your body fight off the virus. Before the introduction of the measles vaccine in 1963 and widespread vaccination,
major epidemics occurred approximately every two to three years and caused an estimated 2.6 million deaths each year.
An estimated 107,500 people died from measles in 2023 — mostly children under the age of five years — despite the availability of a safe and cost-effective vaccine. Symptoms of measles usually begin 10–14 days after exposure to the virus. A prominent rash is the most visible symptom.
The rash begins about 7–18 days after exposure, usually on the face and upper neck. It spreads over about 3 days, eventually to the hands and feet. It usually lasts 5–6 days before fading. (IANS)
(Courtesy: https://indiawest.com/)
Blackstone Becomes India’s Federal Bank’s Largest Shareholder In $705 Million Deal
(Continued From Page 07)
Gray’s confidence is not limited to the financial sector. He highlighted India alongside real estate and secondary markets as areas with the strongest investment potential globally. Speaking about the country, Gray reiterated its resilience and potential, noting that despite geopolitical tensions, “India is investing heavily in infrastructure and has a rapidly rising middle class. This is a place we particularly like.”
Regarding the commercial real estate sector, which he sees as entering a favorable phase, Gray stated, “It’s been three and a half very tough years for commercial real estate, but now a good dynamic has taken over. New supply has dropped by nearly 70 per cent, costs are coming down, and assets have been repriced. This is the time to be an investor in commercial real estate.” (IANS) (Courtesy: https://indiawest.com/)
A Night Of Musical Brilliance In Austin: With Kavita Krishnamurthy At CTBA Gala
(Continued From Page 01)
Adding unmatched depth to this extraordinary concert was Shrikant, a renowned keyboard player and music arranger, who performed along with the live band.
His artistry, refined over decades of dedication, became the musical canvas upon which Krishnamurthy’s legendary voice soared. Together with the band, Shrikant playing wove melody and rhythm into a seamless tapestry that left the audience mesmerized.
Since beginning his journey in 1995, Shrikant has established himself as one of India’s finest concert musicians.
Trained under Guru Benny Satamkar and holding a diploma in Indian classical music, he has performed across the globe—from Mumbai to Melbourne, Toronto to Trinidad—bringing both classical discipline and modern versatility to every stage.
His recording credits span languages such as Hindi, Marathi, Gujarati, and Bengali with top labels like T-Series and Venus, and his television appearances on shows like Awaz
Ki Duniya and Antakshari have further showcased his range.
Over the years, Shrikant has collaborated with some of the greatest names in Indian music—Kumar Sanu, Alka Yagnik, Udit Narayan, Himesh Reshammiya, Shaan, Suresh Wadkar, Sunidhi Chauhan, Shreya Ghoshal, Shankar Mahadevan, and Kavita Krishnamurthy among them.
His live performances with prominent music directors including Himesh Reshammiya and Aadesh Shrivastava have earned him recognition as a versatile and dependable force on stage.
In Austin, his role alongside the CTBA Gala band was more than accompaniment—it was artistry at its best.
Whether lending subtle textures to ghazals or driving energy into Bollywood hits, Shrikant’s mastery on the keyboard elevated every moment of the performance.
Audiences were quick to recognize how his sensitivity and skill allowed Kavita Krishnamurthy’s timeless voice to shine even brighter, creating a dialogue of voice and in-
strument that resonated across the hall.
The Central Texas Bengali Association, with its vibrant community of over 800 families, has long been a cultural cornerstone in Austin.
Beyond its annual festivals and events, CTBA provides a platform that fosters art, literature, music, and philanthropy—keeping traditions alive while building meaningful cross-cultural bonds.
By presenting artists of such caliber, CTBA continues to connect generations and inspire pride in shared heritage.
The 2025 Gala was not just a concert, but a celebration of unity through music. With Kavita Krishnamurthy’s legendary voice and Shrikant’s commanding musicianship with the band, it became an evening etched in the memories of everyone present.
As the final notes faded into a thunderous ovation, one thing was certain: Shrikant’s performance reaffirmed why he is regarded as one of India’s most accomplished live musicians—an artist whose passion and finesse transcend borders, bringing audiences
India Looks For Russian Oil Alternatives, Reliance Turns To Middle East
MUMBAI – Reliance Industries, India’s largest private refiner, has sharply increased its crude oil purchases from the Middle East as global sanctions tighten around Russian energy exports and Western political pressure mounts.
The company has reportedly bought at least 2.5 million barrels of crude in recent weeks from Iraq’s Basrah Medium and Qatar’s AlShaheen and Qatar Land grades—significantly more than usual—as it seeks alterna-
tives to Russian oil.
The shift follows remarks by President Donald Trump earlier this month claiming that India had agreed to reduce its imports of Russian crude.
Trump said Prime Minister Narendra Modi assured him that India would “stop buying Russian crude within a short period of time.”
At that time, while denying any phone call between the two leaders that spoke to this quote, India later responded that the country’s import strategy “is guided entirely by the need to safeguard Indian consumers in a volatile energy scenario.”
With growing U.S. and European Union pressure, India appears to be adjusting its sourcing strategy.
In a statement Reliance has said it would comply with new EU guidelines restricting refined product imports linked to Russian crude.
“We have noted the recent restrictions an-
nounced by the EU, UK, and the U.S. on crude oil imports from Russia and export of refined products to Europe,” a company statement said.
“Reliance will comply with the EU’s guidelines and, as always, with any guidance from the Indian government.”
Reliance, which operates the world’s largest refining complex at Jamnagar on India’s west coast, has been one of the biggest importers of discounted Russian crude since Western sanctions began.
The company said it would diversify crude sources and adjust refinery operations to ensure compliance with sanctions while maintaining stability in domestic and export supply chains.
According to Reuters, the company has already secured additional consignments from the U.S. and the Middle East, expected to arrive at Jamnagar between December and January, as it aligns operations with evolving international sanctions. (with IANS inputs) (Courtesy: https://indiawest.com/)
Kamya Punjabi Leads India’s First Hindi Film On Menopause
MUMBAI- The poster for ‘Me No Pause Me Play’, India’s first Hindi feature film focused on menopause, was unveiled on World Menopause Day by Digifilming and Mirrro Films.
The film is notable for addressing a subject that remains largely undiscussed in Indian society.
The feature is an adaptation of the acclaimed book by writer and producer Manoj Kumar Sharma, exploring the emotional, physical, and social challenges women face during this phase.
Sharma stated that the film aims “to break stereotypes and spark awareness, showing menopause as a phase of transformation rather than silence.”
A Classic Trio: Jaaferi Brothers And Sanjay Dutt Share A Moment
– A recent social media post by Naved Jafri delighted fans, showcasing a reunion with his brother, Jaaved Jaaferi, and close friend, actor Sanjay Dutt.
The picture quickly went viral, celebrating their enduring friendship. Naved shared the moment, praising Dutt’s enduring nature: “Always a pleasure catching up with Sanju Bhai… such a humble, grounded,
and effortlessly cool personality.
No matter how many years pass, his warmth and simplicity remain the same. Conversations with him are always full of laughter, stories, and positivity.” The image captured the trio—with Dutt sporting his signature white kurta and gold chains—smiling warmly together.
The bond between the Jafri broth-
Directed by Samar K. Mukherjee, the cast includes prominent names such as Kamya Punjabi, Deepshikha Nagpal, and Sudha Chandran.
Lead actress Kamya Punjabi commented that the film addresses an unspoken topic. “In our society, people have slowly started talk-
ing about menstruation, but menopause is still treated like a secret.
‘Me No Pause Me Play’ gives that silence a voice. This phase doesn’t mark an end—it’s a new beginning,” she told reporters.
The film is scheduled for release on November 28.
(Courtesy: https://indiawest.com/)
ers and Dutt is wellestablished. Naved and Jaaved Jaaferi, alongside Ravi Behl, became household names as the iconic judges of ‘Boogie Woogie,’ the pioneering dance reality show that defined Indian television in the late 1990s.
The actors continue to be active in their respective careers. Jaaved Jaaferi is set to feature in the upcoming light-hearted family comedy ‘De De Pyaar De 2,’ playing the lead role of Ajay Devgan’s best friend and therapist.
He and Sanjay Dutt previously shared screen space in the 2007 blockbuster comedy, ‘Dhamaal.’ Sanjay Dutt will soon be seen in the highly anticipated spy thriller ‘Dhurandhar,’ directed by Aditya Dhar. The film, slated for release on December 5, 2025, also stars Ranveer Singh, Akshay Khanna, and R. Madhavan.(IANS)
(Courtesy: https://indiawest.com/)
Karwa Chauth, where married women fast for the long lives of their husbands, has provided the backdrop for some of Bollywood’s most memorable and dramatic romantic moments.
Dilwale Dulhania Le Jayenge
This 1995 classic features one of the most iconic Karwa Chauth moments. Simran (Kajol), who is engaged to another man, secretly fasts for Raj (Shah Rukh Khan). The scene brilliantly captures the deepening romance between them when Raj lovingly helps her break the fast, solidifying their profound connection.
Kabhi Khushi Kabhie Gham
The Karwa Chauth rituals are beautifully integrated into the superhit song ‘Bole Chudiyan’ in this film. Anjali (Kajol)and Rahul (Shah Rukh Khan) perform the rituals together, making it a grand, starstudded affair that also involved the rest of the film’s ensemble cast, including Amitabh Bachchan and Jaya Bachchan.
Baghban
In this emotionally resonant family drama, the Karwa Chauth scene is particularly touching. Separated from her husband Raj (Amitabh Bachchan), Pooja (Hema Malini) breaks her fast while talking to him on a phone call. This moment highlights the depth of their enduring love and commitment despite the physical distance.
Judaai
This film features Kajal (Sridevi) fasting for her husband, Raj (Anil Kapoor), as a portrayal of her deep devotion. The scene contributes to the emotional tension and character development within the complex narrative.
Animal
Bringing the tradition into a more modern, high-voltage dramatic context, Animal features a Karwa Chauth scene between Geetanjali (Rashmika Mandanna) and Ranvijay (Ranbir Kapoor). What starts as a potentially romantic moment turns into heartbreak when Ranvijay confesses to cheating, using the traditional setting to amplify the film’s emotional conflict and drama. (ANI) (Courtesy: https://indiawest.com/)
MUMBAI
5 Films Where Karwa Chauth Rocked Bollywood
25-Year Wait Ends: High Emotions As Abhishek Bachchan’s Wins First Filmfare Award
MUMBAI -Bollywood star Abhishek Bachchan was visibly emotional as he secured his first-ever Filmfare Award in the Best Actor category for his powerful performance in the movie ‘I Want to Talk’.
This award marked a significant
milestone in his career spanning over 25 years. The auditorium erupted in applause as Abhishek took the stage, with his family, including his mother, veteran actress and Rajya Sabha MP Jaya Bachchan, watching from the audience. As Abhishek received the award, his mother looked on with misty
True Validation Is Indian Audience Connect, Not Emmy Nom: Imtiaz Ali
MUMBAI – Imtiaz Ali’s ‘Amar Singh Chamkila,’ a musical biopic on the life of the Punjabi folk legend, has earned two nominations at the International Emmy Awards. While the recognition has been celebrated, Ali has reflected on a broader question: does the Indian film industry still seek validation from the West, and does colonial influence linger?
Ali acknowledged that international acclaim is encouraging but emphasized that true validation comes from Indian audiences. “I don’t
eyes while her son began his heartfelt speech.
Abhishek dedicated the achievement to his mother, saying, “To my mom, who has never been very demonstrative of her desires but quietly prayed that one day her son will get to give this speech and stand up there, thank you for your love, talent, and belief.”
Pausing to collect himself, he then thanked his wife and daughter, saying, “I want to thank Aishwarya and Aradhya for allowing me to step out and chase my dreams. I hope after winning this, they understand the sacrifices they have made for me to stand here today.”
Reflecting on his journey, Abhishek noted, “This year marks 25 years of my working in the industry. I don’t even remember how many times I have rehearsed a speech for this award. To finally receive it in front of my family makes it even more special.”
He humbly added, “Winning this has been my dream, and today I feel truly grateful. I want to thank the movie’s team and our director, Shoojit Sircar. To all those directors who have given me a chance over the last 25 years, thank you for believing in me. It hasn’t been easy, but it’s definitely been worth it.”
The actor shared an inspiring mes-
sage for the younger generation: “To all the young actors, just for 25 years of hard work and perseverance gets you. Chase your dreams no matter what.”
Visibly emotional once more, Abhishek concluded, “This film is about a father and a daughter, and I want to dedicate this award to my hero, my father, and to my other hero, my daughter.”
He then smiled and added, “I was thinking about what to gift my father on his birthday. He’s going to be so happy. I just hope this is the start of good things.” The audience gave him a huge, emotional round of applause. (IANS)
(Courtesy: https://indiawest.com/)
Bollywood’s Iconic Comedian Asrani Dies At 84
know whether it’s colonial. International recognition is always special, and for us, it is unique and important,” he said. “But the people we made the film for are Indian first, and their recognition is of greatest importance. If it is now recognized internationally as well, if it gives us a chance to represent the country, then that is ‘sone pe suhaga’ (icing on the cake).”
Monika Shergill, Vice President of Content at Netflix India, shared a similar view. “It’s like sports; you want to win because you are representing your country,” she said. “The joy comes when stories from your culture travel anywhere and entertain more people.”
With ‘Chamkila’s’ nomination, the story of an artist who shaped Punjab’s grassroots music scene in the 1980s has reached an international audience. For Ali, awards matter, but the heart of filmmaking remains connecting with Indian viewers first. (IANS) (Courtesy: https://indiawest.com/)
MUMBAI- Renowned comic actor and Bollywood veteran Govardhan Asrani, known by his stage name, Asrani, has passed away at the age of 84. His last rites were performed at Santacruz Crematorium on October 20.
The official Instagram account handler of the actor shared a post with regards to the actor’s demise. They wrote, “The news of the passing of the king of comedy, the great actor Asrani ji, who ruled over millions of hearts, has plunged us all into deep sorrow. He gave Indian cinema a new identity with his unique acting, simplicity, and humor. The life he breathed into every character will forever live on in our
memories. His passing is not just a loss for the film industry, but for everyone who ever smiled at his acting. May his soul rest in peace. Om Shanti”.
Just a few hours before his death, the actor had posted a Diwali post wishing his fans on the occasion, on his social media account.
He was one of Indian cinema’s most enduring comic actors. In a career spanning over five decades, he worked in more than 350 films. He trained at the Film and Television Institute of India, Pune, where he honed his craft before entering the Hindi film industry in the mid-1960s.
Though he started with serious and supporting roles, Asrani’s true flair for comedy soon shone through. He became a staple of Hindi cinema in the 1970s and 1980s, often playing the lovable fool, the flustered clerk, or the witty sidekick. His impeccable timing and expressive face made him a director’s favorite.
His roles in classic films like
‘Sholay’, ‘Chupke Chupke’ and many others made him a prominent figure in the field of acting.
One of his most iconic performances came in the landmark film of Hindi cinema, ‘Sholay’ as the bumbling jailor parodying Hitler, a role that became an immortal part of Indian pop-culture.
Asrani also proved his versatility by working across genres and languages, including Gujarati and Rajasthani films, and even ventured into direction with a few Hindi and Gujarati movies. He formed memorable comic partnerships with actors like Mehmood, Rajesh Khanna, and later Govinda, bridging generations of comedy in Bollywood.
Beyond humor, Asrani occasionally showcased his dramatic range in films like ‘Aaj Ki Taaza Khabar’ and ‘Chala Murari Hero Banne’, where he also took up the director’s chair.
His contribution to Indian cinema lies not just in laughter but in consistency — the mark of a true entertainer who evolved with time yet stayed rooted in charm and simplicity. Further details with regards to the actor’s demise are awaited. (IANS)(Courtesy: https:// indiawest.com/)
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