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Consumer Reports: How to deal with a home insurance rate hike – KOTA

Homeowners nationwide are facing a crisis: skyrocketing insurance premiums or outright policy non-renewals, even in areas traditionally considered low risk. Consumer Reports explains why this happens and what to do if your homeowner’s premium goes through the roof.
A recent Consumer Reports survey found that 83 percent of long-term policyholders have seen their rates increase over the last five years. When this happens, homeowners may be forced to make trade-offs like buying substantially reduced coverage or sometimes going without coverage.
Insurance industry experts point to several factors driving these changes. Building costs are through the roof—up 40 percent over the last four years. Mother Nature isn’t helping either. Last year alone, weather disasters cost insurance companies 93 billion dollars.
There’s no place to hide. You will still feel this in your wallet even if you live somewhere that never sees a hurricane or a wildfire. Rates have risen nearly 34 percent for consumers across the U.S. from 2018 to 2023.
So, what can you do if your insurance is canceled? First, contact your insurer or broker to find out why your policy isn’t being renewed. At the same time, start shopping around for a new policy. Consider using a local, independent insurance agent or broker who works with multiple insurers; they might know about smaller companies in your state or area.
If you can’t find a private plan, there are Fair Access to Insurance Requirements (FAIR) plans, which are offered in nearly three dozen states. This type of plan should be considered a last resort. It’s not inexpensive, and it doesn’t cover everything, but it’s way better than having no insurance.
Another tip: immediately call your insurance company and ask for more time if you get a cancellation notice. While they’re not required to give you an extension, as a courtesy, they might provide an extra 30 or even 60 days if you ask.
Copyright 2025 KOTA. All rights reserved.

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Jimmy Carter eulogized for a lifetime of good deeds and spirituality – The Jerusalem Post

Jimmy Carter was eulogized on January 9 at his state funeral in the National Cathedral in Washington, DC, in a hymn-laden, scripture-laced service recalling a lifetime of good deeds and spirituality. Overlooked in the tributes to the 39th US president and born-again evangelical Baptist – who died on December 29 at age 100 – was his critical role in 1979 in preventing the demolition of the mausoleum of Hassidic master Rebbe Nachman of Breslov (1772-1810) in Uman, Soviet Ukraine.

Nachman chose to buried in Uman’s Jewish cemetery – the site of a mass grave of the victims of the 1768 pogrom – after his home burned down in Breslov in 1810. The great-grandson of the Baal Shem Tov (c.1700-1760), who founded the Hassidic movement that swept across Eastern Europe, Nachman promised blessings for those who recited Psalms at his graveside. Since his followers never appointed a new rebbe, they became known as the “dead Hassidim.” Many became attracted by the movement’s outreach through music and Nachman’s enigmatic parables, which influenced Czech Jewish writer Franz Kafka.

Notwithstanding the Russo-Ukraine war, which has forced pilgrims to fly to Moldova to reach Ukraine, the shrine, 211 km. south of Kyiv, continues to attract tens of thousands annually, especially during the two-day Rosh Hashanah festival in September. During the Soviet era, however, the modest grave behind the Iron Curtain was infrequently visited and was in danger of being demolished. Local authorities planned to raze the ramshackle neighborhood built atop the historic cemetery in order to erect nine-story apartment blocks.

News of the urban renewal project reached Rabbi Michael Dorfman (1913-2006), a Ukrainian-born leader of the Breslov community in Jerusalem. An Uman resident named Mrs. Zubeida, who lived near the holy site, didn’t want to lose her home with its garden and chickens. Dorfman immediately set off to the United States to coordinate a campaign of diplomatic pressure on Soviet authorities.

He met with major figures in the ultra-Orthodox community, such as Joel Teitelbaum, the Grand Rebbe of the Satmar Rebbe, and Rabbi Moshe Feinstein. Dorfman also conferred with Rabbi Moshe Sherer, president of Agudath Israel of America. Sherer arranged a meeting with US State Department officials. While sympathetic, the diplomats were unable to intervene.

Together with Rabbi Nasan Maimon, Dorfman then passed a letter to Rebbe Menachem Mendel Schneerson, who was at the helm of the international Chabad-Lubavitch Hassidic movement based in Brooklyn. The Rebbe directed him: “Contact Rabbi Pinchas Teitz. He, with God’s help, will assist you.”

MENACHEM MENDEL SCHNEERSON, the beloved Lubavitcher Rebbe. (credit: ZEV MARKOWITZ/CHAIARTGALLERY.COM)
MENACHEM MENDEL SCHNEERSON, the beloved Lubavitcher Rebbe. (credit: ZEV MARKOWITZ/CHAIARTGALLERY.COM)

Three years earlier, when Carter was a little-known Georgia congressman campaigning to become US president, Schneerson had instructed Teitz to make contact with him. Teitz, who led the Lubavitch community in Elizabeth, New Jersey, organized a well-attended event in the former peanut farmer’s honor. The rally contributed to Carter’s narrowly won election. Carter thanked Teitz from the White House. The letter, also signed by Carter’s White House counsel and Jewish affairs adviser Robert Lipschutz, invited him to contact the Oval Office should he ever need assistance.

In May 1979, some 10 days after Teitz had met Carter in Washington, the president was scheduled to meet in Vienna with Soviet premier Leonid Brezhnev to sign the Treaty on the Limitation of Strategic Offensive Arms. Utilizing his contacts, Dorfman recruited Aryeh Kaplan, a physicist who had switched careers to become a Breslover rabbi. Dorfman, who had translated and annotated Rebbe Nachman’s mystical works, prepared a memo on the significance of the holy site. The report made its way to Carter through his Jewish affairs adviser.

Two days later, he received a response from Lipschutz: “Everything is arranged. President Carter will speak with the Russians at the conference, and the matter will be settled. Do not worry.”

A few days after the Carter–Brezhnev tête-à-tête, Soviet ambassador to the US Anatoly Dobrynin stated, “The Kremlin has decided to honor the plan as originally scheduled, except for Bialynski Street. That yard will remain untouched.”■

News of the urban renewal project reached Rabbi Michael Dorfman (1913-2006), a Ukrainian-born leader of the Breslov community in Jerusalem. An Uman resident named Mrs. Zubeida, who lived near the holy site, didn’t want to lose her home with its garden and chickens. Dorfman immediately set off to the United States to coordinate a campaign of diplomatic pressure on Soviet authorities.

He met with major figures in the ultra-Orthodox community, such as Joel Teitelbaum, the Grand Rebbe of the Satmar Rebbe, and Rabbi Moshe Feinstein. Dorfman also conferred with Rabbi Moshe Sherer, president of Agudath Israel of America. Sherer arranged a meeting with US State Department officials. While sympathetic, the diplomats were unable to intervene.

Together with Rabbi Nasan Maimon, Dorfman then passed a letter to Rebbe Menachem Mendel Schneerson, who was at the helm of the international Chabad-Lubavitch Hassidic movement based in Brooklyn. The Rebbe directed him: “Contact Rabbi Pinchas Teitz. He, with God’s help, will assist you.”

MENACHEM MENDEL SCHNEERSON, the beloved Lubavitcher Rebbe. (credit: ZEV MARKOWITZ/CHAIARTGALLERY.COM)
MENACHEM MENDEL SCHNEERSON, the beloved Lubavitcher Rebbe. (credit: ZEV MARKOWITZ/CHAIARTGALLERY.COM)

Three years earlier, when Carter was a little-known Georgia congressman campaigning to become US president, Schneerson had instructed Teitz to make contact with him. Teitz, who led the Lubavitch community in Elizabeth, New Jersey, organized a well-attended event in the former peanut farmer’s honor. The rally contributed to Carter’s narrowly won election. Carter thanked Teitz from the White House. The letter, also signed by Carter’s White House counsel and Jewish affairs adviser Robert Lipschutz, invited him to contact the Oval Office should he ever need assistance.

In May 1979, some 10 days after Teitz had met Carter in Washington, the president was scheduled to meet in Vienna with Soviet premier Leonid Brezhnev to sign the Treaty on the Limitation of Strategic Offensive Arms. Utilizing his contacts, Dorfman recruited Aryeh Kaplan, a physicist who had switched careers to become a Breslover rabbi. Dorfman, who had translated and annotated Rebbe Nachman’s mystical works, prepared a memo on the significance of the holy site. The report made its way to Carter through his Jewish affairs adviser.

Two days later, he received a response from Lipschutz: “Everything is arranged. President Carter will speak with the Russians at the conference, and the matter will be settled. Do not worry.”

A few days after the Carter–Brezhnev tête-à-tête, Soviet ambassador to the US Anatoly Dobrynin stated, “The Kremlin has decided to honor the plan as originally scheduled, except for Bialynski Street. That yard will remain untouched.”■

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Is Working-From-Home On Its Way Out The Door? – Global Finance

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Home Capital Raising & Corporate Finance Is Working-From-Home On Its Way Out The Door?
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Company leaders are repeatedly voicing the need for a full-time return to the office. The newly inaugurated US President also weighed in. On his first day in office, Donald Trump signed an executive order mandating a return to in-person-work five days a week for all federal employees.

At the moment, as per the US Office of Personnel Management, out of 2.3 million federal workers, about half work in-person every day because of the nature of their duties. Those with a hybrid schedule spend about 60% of their paid time in the office, while 228,000 employees, roughly 10% of the total, work permanently from home.

Civil servants who do not comply with the order will be dismissed. This could lead to a downsizing of the federal workforce, in line with the Trump administration’s goal to slash spending.

To save millions of dollars in what Trump considers government waste, Trump also created the Department of Government Efficiency, an agency under the supervision of Elon Musk, who defines working from home a “COVID-era privilege”.

Several leaders in the corporate world share Musk’s view.

“Before the pandemic, it was not a given that folks could work remotely, and that will also be true moving forward,” Amazon CEO Andy Jassy reminded employees early last month, after instructing a strict return-to-office policy.

Walmart and AT&T are also trying to reinstate an in-person work routine. JPMorgan Chase’s full-time in-office mandate starts early March. After facing backlash, CEO Jamie Dimon pointed out that face-to-face communication allows for better creativity, engagement and teamwork.

If employees who regularly worked in-person throughout the Covid emergency highlight the level of connection that comes with being in-office, many others are not ready to bid farewell to their current routine. They lament child-care expenses and commute hardships—all for what would be the same amount, and quality, of work. In a study by Pew Research Center, about half of the people currently working a hybrid schedule would be ready to leave their jobs if forced to return to the office permanently. Of those, women and younger workers would rather quit than change their post-pandemic lifestyle.

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Philadelphia plane crash causes fiery scene with multiple homes ablaze – Boston 25 News

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PHILADELPHIA (AP) — A medical transport jet crashed in Philadelphia on Friday about 30 seconds after taking off, setting homes ablaze and unleashing a fireball into the night sky. Two people were on board, the Federal Aviation Administration said.
Gov. Josh Shapiro said he is offering all “Commonwealth resources as they respond to the small private plane crash in Northeast Philly.”
The crash comes two days after the country’s deadliest aviation disaster in almost a quarter century. An American Airlines jet carrying 60 passengers and four crew members collided in midair Wednesday night in Washington, D.C., with an Army helicopter carrying three soldiers. There were no survivors in that crash.
The plane appeared to be a Learjet 55 that quickly disappeared from radar after takeoff. It was en route to Springfield, Missouri, and registered to a company operating as Med Jets, according to the flight tracking website Flight Aware.
I’ve spoken with @PhillyMayor and my team is in communication with @PhillyPD, @PhilaOEM, and @PhillyFireDept. We are offering all Commonwealth resources as they respond to the small private plane crash in Northeast Philly.

We’ll continue to provide updates as more information…
The crash happened less than 3 miles (4.8 kilometers) from Northeast Philadelphia Airport, which primarily serves business jets and charter flights. Photos taken at the crash site appear to show residential homes on fire.
Michael Schiavone, 37, was sitting at his home in Mayfair on Friday when he heard a loud bang and his house shook. He said it felt like a mini earthquake and when he checked his home security camera footage, he said it looked like a missile was coming down. “There was a large explosion, so I thought we were under attack for a second,” he said.
Philadelphia plane crash causes fiery scene with multiple homes ablaze – clipped version
Flight data showed a small jet taking off from the airport at 6:06 p.m. and disappearing from radar about 30 seconds later after climbing to an altitude of 1,600 feet (487 meters).
The plane crashed in a busy intersection near Roosevelt Mall, an outdoor shopping center where first responders were blocking traffic and onlookers crowded onto a street corner in the residential neighborhood of Rhawnhurst. Philadelphia’s emergency management office said that roads are closed in the area.
One cellphone video taken by a witness moments after the plane crashed showed a chaotic scene with debris scattered across the intersection. A wall of orange glowed just beyond the intersection as a plume of black smoke quickly rose into the sky, while some witnesses could be heard crying and sirens blared.
Two on board small plane that crashed in Northeast Philadelphia, FAA says
The Federal Aviation Administration said two people were aboard the plane, which was a Learjet 55. The plane, a small, business-type jet, was en route to Springfield, Missouri.
The plane appeared to be a medical transport jet. The plane that took off and quickly disappeared from radar was registered to a company operating as Med Jets.
The FAA said the National Transportation Safety Board will lead the investigation. The NTSB, which investigates air crashes, said it was gathering information about the crash.
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Here’s how LA County plans to spend your tax dollars on homelessness – LAist

LAist is part of Southern California Public Radio, a member-supported public media network.
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A few months after voters approved higher taxes to combat homelessness, Los Angeles County officials have proposed cutting $62 million from the homeless services budget by slashing several programs.
The spending proposal from the L.A. County Homeless Initiative recommends major cuts to a job training program and one that helps qualified applicants clear their criminal records, according to budget documents. The Homeless Initiative is also recommending eliminating county funding for homelessness prevention programs administered by the Los Angeles Homeless Services Authority, known as LAHSA.
County officials said the proposal reflects a projected budget deficit of $35 million for fiscal year 2025-26 and another $27 million in cost increases.
“We have been forced to make some really difficult recommendations,” said Cheri Todoroff, executive director of the Homeless Initiative. “We prioritized the services that are directly touching people — so, the outreach, the beds and the permanent housing.”
The elimination of county homelessness prevention funding for LAHSA reflects a shift in how the county plans to do prevention work under Measure A, approved by voters in November.
Instead of LAHSA primarily overseeing efforts to provide short-term rental assistance and legal help to keep people in their homes, homelessness prevention could be led by a brand new county affordable housing agency funded by the sales tax, according to Measure A proponents.
“When voters approved Measure A, they were not just approving critical local dollars,” said Tommy Newman, vice president of United Way of Greater Los Angeles. “They were also approving a whole new approach to preventing homelessness, to making housing more affordable.”
As L.A. County works to finalize its $637 million homeless services budget, it’s inviting the public to weigh in on the spending plan.
Measure A will essentially double L.A. County’s revenue for homelessness by replacing a quarter-cent sales tax with a half-cent sales tax. Starting April 1, this new tax is expected to generate more than $1 billion annually, which will be split two ways:

This split explains why officials remain optimistic in light of the proposed budget cuts to some homeless services. Some of the reduced or eliminated programs would have their functions taken over by the affordable housing agency.
“I would look at this budget as very much a transition year budget,” said Newman. “So that’s why when I see some of these curtailments, I sort of put an asterisk on them, because we’ve got a whole lot of other stuff going on here.”

Despite the influx of Measure A dollars, county authorities said the L.A. County Homeless Initiative had to make about $62 million in reductions to its budget for homeless services for the coming year.
“It is very, very hard, and I’m not saying that we’re going to be able to do everything we’ve done before with less funding,” Todoroff said. “Some things will be impacted.”
That’s partially because consumer spending slowed over the last year across L.A. County, leading to slightly less sales tax revenue, county officials said. It’s also because the county boosted funding for services for about 2,000 additional people moving into newly-constructed supportive housing between the current budget year and the upcoming one — an additional cost of about $27 million.
The county is responsible for funding services at permanent supportive housing units.
“That’s a good thing because that means that we’ve been building supportive housing across the county, and it’s coming online,” Newman said.
More than 80% of L.A. County’s traditional homelessness funding will go toward housing during the next fiscal year, according to the Homeless Initiative’s funding proposal. That includes interim housing, permanent supportive housing and housing acquisition.
The L.A. County Homeless Initiative recommended slashing funding for the LA:RISE program — which helps homeless Angelenos get and keep jobs, from $8.4 million in fiscal year 2024-25 to about $1.8 million in the coming fiscal year that starts in July.
Administrators of that workforce development program said they were “deeply alarmed and disheartened by the budget recommendations.”
“Following the landmark passage of the Measure A ballot initiative and an increase in revenue for the county, it is shocking that less than 0.3% of Homeless Initiative funding is allocated toward employment and workforce development,” said Greg Ericksen, director of Government Partnerships & Policy at REDF. (The venture philanthropy organization formerly known as the Roberts Enterprise Development Fund is the lead program manager for LA:RISE.)
Ericksen said the proposed cuts will have a devastating impact on program participants as well as the social enterprises they partner with — including Downtown Women’s Center, Homeboy Industries and the Los Angeles LGBT Center.
The county also recommended cutting $1.5 million from a $3.5 million L.A. County Public Defender’s Office program that does mobile legal clinics to help unhoused Angelenos expunge criminal records.
Last year, the program participated in more than 200 outreach events across L.A. County, filed nearly 3,500 expungement petitions and provided direct support to more than 1,400 people who were unhoused or housing insecure, according to the Public Defender’s Office.
As a result of the proposed budget cuts, the program’s outreach staff will be downsized by one-third, according to assistant public defender Thomas Moore.
“We will continue our community engagement, but the staff reduction will result in less participation at community events and resource fairs,” Moore said.
As a result of the county’s recommendations, Moore also said the Public Defender’s partnership with the city of Los Angeles — to help clients clear tickets and misdemeanors — will be eliminated.

The Homelessness Initiative’s draft budget pulls $10 million in funding for LAHSA’s case management system, which helps hundreds of providers work together to match thousands of unhoused Angelenos with services and housing.
But that doesn’t mean coordination will go away, Newman said.
“This is not fully defunding coordination, but it is acknowledging that we need to keep doing a better job of understanding what’s the most effective way to coordinate,” he said.
The county’s proposed $20 million cut to prevention programs administered by LAHSA means the agency will drastically scale back efforts to provide short-term rental assistance and legal assistance to help keep people in their homes.
But county officials say that’s where new investments in the new L.A. County Affordable Housing Solutions Agency come in. The new agency is required to spend 30% of its resources (about $100 million in the coming year) on prevention, including eviction legal services, rental assistance and relocation assistance.
“There’s going to be a really significant increase in homelessness prevention funding from [the L.A. County Affordable Housing Solutions Agency], and so it makes sense that there’s a little bit of a rebalancing going on,” Newman said.
A LAHSA spokesperson did not comment on the county’s specific funding recommendations but said the agency is keeping a close eye on the budget process.
The Homeless Initiative is considering feedback on its proposed budget until Tuesday, Feb. 4.

The Homeless Initiative is expected to present its funding plan to the county Board of Supervisors in March.
The Homeless Initiative will consider feedback on its proposed budget in the coming days. The window for public comment is open until Tuesday, Feb. 4, at this link.
The detailed spending recommendations are available for review here.
“If there’s something that is not included in the funding recommendations that should be elevated above things that are, we want to hear about that,” Todoroff said. “We are all collectively impacted by what is funded and what is not funded, and so we want to hear from as many of you as possible.”
LAist is part of Southern California Public Radio, a member-supported public media network.

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Climate Change: Is It The Greatest Crisis Or A Global Deception – Forbes

A city showing the effect of Climate Change
Climate change as defined by the United Nations refers to long-term shifts in temperatures and weather patterns. Consequently, it stands as one of the most pressing and debated issues of our time. While a significant majority of the scientific community attributes recent climatic shifts to human activities, a vocal minority contends that these changes are part of Earth’s natural variability. This article takes a deep dive into both perspectives, presenting scientific data and analyses to empower readers to form their own informed opinions.
Concept illustration Global warming around the world is about to be burned by human hands )
A comprehensive survey conducted by Cornell University in 2021 analyzed 88,125 climate-related studies published between 2012 and 2020. The findings revealed that over 99.9% of these peer-reviewed papers concluded that human activities are the primary drivers of recent climate change. This overwhelming consensus underscores the significant role of anthropogenic factors in altering Earth’s climate. This study updates a 2013 analysis that reported a 97% consensus, showing that skepticism within the scientific community has become nearly nonexistent. Researchers identified only 28 skeptical papers, all published in minor journals, reinforcing that any remaining public debate is not rooted in scientific literature. Despite this overwhelming agreement, surveys show that public and political opinions remain divided, with many still believing there is significant scientific uncertainty. The study underscores the urgency of recognizing greenhouse gas emissions as the principal driver of climate change to mobilize effective solutions, as extreme climate-related disasters continue to impact economies, businesses, and communities worldwide.
The Earth is now approximately 1.2°C hotter than pre-industrial levels according to NASA. The Intergovernmental Panel on Climate Change findings indicate that that human activities, primarily fossil fuel combustion, are responsible for nearly all warming over the past 200 years. data from the US Environmental Protection Agency further corroborates that carbon dioxide levels are at their highest in 2 million years, while methane and nitrous oxide concentrations have reached levels unseen in 800,000 years. Additionally, regarding Earth’s temperature, a 2°C rise could expose over 2 billion people to extreme heat, double biodiversity losses compared to 1.5°C, slash crop yields by more than 50% in some regions, and lead to the near-total collapse of coral reefs, which support marine life and coastal economies in addition to the loss of islands due to sea level rise.
Plumes of smoke rise from chimneys at an industrial area in Greece.
UNEP’s Emissions Gap Report shows that a 42% global emissions reduction by 2030 could still limit warming to 1.5°C, requiring an annual cut of 22 billion tons through investments in renewable energy, sustainable transport, and low-carbon agriculture. Climate models, often criticized for their reliability, have consistently provided accurate projections; According to NASA, a 2020 study confirmed that 14 out of 17 models developed between 1970 and 2007 closely matched real-world temperature increases.
The Intergovernmental Panel on Climate Change research from hundreds of leading climate scientists, has determined that humans are responsible for almost all global warming observed over the past two centuries. The primary culprits are the burning of fossil fuels (coal, oil, and gas) which release greenhouse gases like carbon dioxide into the atmosphere. These gases trap heat, leading to a warming planet.
The State of the Climate Update 2024 from the World Meteorological Organization provides undeniable evidence that climate change is accelerating at an alarming rate. The global mean surface air temperature from January to September 2024 was 1.54°C above pre-industrial levels, signaling a dangerous trend toward surpassing the 1.5°C threshold set by the Par
Earth, heat wave, Sun and high temperature environment with weather thermometer.
is Agreement. With 2024 on track to be the hottest year on record, following 2023 as the previous record-holder, the data highlights the rapid warming of our planet. Greenhouse gas concentrations reached record highs in 2023 and continued to rise in 2024, further fueling long-term temperature increases. The ocean heat content also hit unprecedented levels, absorbing around 3.1 million terawatt-hours of heat in 2023—a staggering 18 times the world’s total energy consumption—leading to rising sea levels and fueling more intense and frequent extreme weather events. Meanwhile, glacier ice loss in 2023 alone amounted to the water equivalent of five times the volume of the Dead Sea, while Antarctic and Arctic sea ice extent in 2024 remained well below average, reinforcing the alarming trend of polar ice depletion.
transformer on a electric poles and a tree laying across power lines over a road after Hurricane
Beyond the temperature records, the WMO report highlights the devastating impacts of climate change are already evident through an onslaught of extreme weather events across the globe. The world has witnessed record-breaking rainfall and flooding, intensifying tropical cyclones, deadly heatwaves, prolonged droughts, and raging wildfires, making these disasters our new normal rather than isolated anomalies. The scientific consensus is clear: climate change is not a distant threat—it is happening now, and its effects are worsening. The WMO report stresses the urgent need to accelerate both mitigation and adaptation efforts, stressing that while staying well below 2°C of warming is critical, every fraction of a degree matters in reducing future risks. Encouragingly, climate service capacity has grown, with 108 countries now reporting a Multi-Hazard Early Warning System, showcasing progress in adaptation strategies. However, without immediate, large-scale reductions in emissions and a global commitment to accelerating renewable energy adoption, we risk pushing the planet into an irreversible climate crisis.
While the prevailing scientific consensus and evidence attributes modern climate change to human activity, some analysts argue that Earth’s climate has always undergone natural fluctuations and that recent changes are within the bounds of historical variability. They have concluded that factors such as solar activity, oceanic cycles, and geological events play significant roles in shaping the climate.
One of the primary arguments for natural climate variability is the role of the sun. According to a study published in the journal Nature Geoscience, solar activity has exhibited cycles of highs and lows, influencing Earth’s temperature patterns for millennia. The Maunder Minimum, a period of low solar activity from approximately 1645 to 1715, coincided with the Little Ice Age—a time when global temperatures were significantly lower than today. Climate change skeptics often suggest that current warming trends may partly result from natural solar fluctuations rather than human activities, however, the same has been debunked by NASA. Moreover, the IPCC states that both short-term and long-term fluctuations in solar activity have a minimal influence on Earth’s climate, based on current scientific understanding. IPCC also indicate that the warming observed over the last century is unprecedented in terms of the rate of change, as it far surpasses natural variations in the past few thousand years.
Another point often raised by skeptics is the historical precedent of warming and cooling periods before industrialization. According researcher Don Easterbrook, Earth experienced the Medieval Warm Period (900-1300 AD), during which temperatures were comparable to or even exceeded modern levels in some regions. This period was followed by the Little Ice Age, further supporting the notion that climate shifts can occur naturally over time. However IPCC research indicates that show that globally averaged temperatures during the MWP were likely cooler than current temperatures. In fact, the MWP was not as globally widespread or as warm as contemporary temperatures.
ocean wave during storm in the atlantic ocean
Additionally, oceanic cycles such as the Pacific Decadal Oscillation and Atlantic Multidecadal Oscillation have been shown to influence global temperatures. According to the National Oceanic and Atmospheric Administration, these oceanic patterns contribute to multi-decade temperature fluctuations that can amplify or dampen warming trends. Some climate skeptics argue that observed warming trends may be part of a natural cycle influenced by these oceanic changes. However Carbon Brief indicated that the global warming witnessed over the past 150 years matches nearly perfectly what is expected from greenhouse gas emissions and other human activity when the statistical models are used.
Finally, critics highlight inconsistencies in climate models, arguing that they often struggle to predict long-term temperature changes with precision. However According to a study accepted for publication in Geophysical Research Letters, a team led by Zeke Hausfather evaluated 17 climate model projections and found that 10 closely matched actual global temperature observations, with the number increasing to 14 after accounting for factors like atmospheric carbon dioxide. The study’s findings, which showed no consistent overestimation or underestimation of warming, help bolster confidence in the accuracy of both past and current climate models.
The debate over the causes of climate change encompasses both human-induced factors and natural variability. Hence while natural climate variability plays a role in Earth’s climate dynamics, the rapid rate of current warming, strongly correlated with increased greenhouse gas emissions from human activities, underscores the need for urgent attention. The unprecedented rise in global temperatures, coupled with the highest carbon dioxide levels in 2 million years, highlights a significant departure from natural climate cycles, emphasizing the dominant role of human influence and reinforcing the importance of implementing effective mitigation and adaptation strategies.

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Big 12 Conference Set To Release 2025 Football Schedule – KSL Sports

NCAA
Jan 31, 2025, 4:25 PM | Updated: 4:26 pm

BY MITCH HARPER
KSL Sports
SALT LAKE CITY— The 2025 Big 12 football schedule will be released next week.
Big 12 Conference announced on Friday that the 2025 schedule will be unveiled on Tuesday, February 4, at 9 a.m. (MST)/11 a.m. (EST).
How does Tuesday at 11am ET sound?
🏈📆 #Big12FB
— Big 12 Conference (@Big12Conference) January 31, 2025

The opponents are known for all 16 of the programs in the Big 12. What remains unknown is how the dates will stack up for the games.
On Tuesday, we will learn the schedules for BYU, Utah, and the other Big 12 football programs.
The 2025 season will be the second year of the 16-team era of the conference.
Last year, Arizona State, who was picked by the media to finish in 16th place in the preseason, won the conference and played in the College Football Playoff.
Along with the Sun Devils, BYU, Iowa State, and Colorado were Big 12 teams who finished ranked in the final AP Top 25 poll last year.
Every conference team will play nine league games.
BYU will play four games at LaVell Edwards Stadium while going on the road for five league matchups. Utah has the opposite, with five at Rice-Eccles Stadium and four away from home, which includes a trip to Provo to take on rival BYU.
Like last season, every team in college football next year will have two bye weeks. That’s due to week one kicking off in August.
The Big 12 projects to be another wide-open league race in 2025.
BYU was picked No. 1 in the KSL Sports Way-Too-Early Big 12 Football power rankings for the 2025 season.
Home games
Road games
Home games
Road games
Mitch Harper is a BYU Insider for KSLsports.com and hosts the Cougar Tracks Podcast (SUBSCRIBE) and Cougar Sports Saturday (12–3 p.m.) on KSL Newsradio. Follow Mitch’s coverage of BYU in the Big 12 Conference on X: @Mitch_Harper.
Download the new and improved KSL Sports app from Utah’s sports leader. It allows you to stream live radio and video and stay up to date on all of your favorite teams.

Steve Bartle
Craig Smith and his Utah basketball squad hit the road to take on the Oklahoma State Cowboys in an opportunity to build momentum in Big 12 play.
4 hours ago
Mitch Harper
BYU is trending up in NCAA Tournament Bracketology forecasts.
6 hours ago
Ben Anderson
Former Weber State superstar and current Milwaukee Bucks guard Damian Lillard has been named to the 2025 NBA All-Star team.
24 hours ago
Mitch Harper
Dybantsa leads Utah Prep to a Day One victory against Sagemont Prep.
1 day ago
Mitch Harper
BYU’s talented freshman earns recognition from the Big 12 Conference for the performance against Baylor.
1 day ago
Mitch Harper
Taking a crack at what the BYU football starting lineup looks like for the 2025 season.
1 day ago

SALT LAKE CITY – The Hercules Salt Lake County High School Player of the Week is celebrating the best high school basketball players in Salt Lake County. Presented by Hercules First Federal Credit Union, each week we honor athletes for their exceptional performance on the gridiron. Our winners for week two were Faythe Stauffer from Riverton High […]

SALT LAKE CITY – The Mr. Mac Utah County High School Player of the Week is awarded each week to the top prep boy’s and girl’s basketball players in Utah County. Sponsored by Mr. Mac, it honors athletes for their performances on the court and exceptional play. Our winners for week two were Easton Hawkins from Lehi […]

SALT LAKE CITY – The John Watson Northern Utah High School Player of the Week is celebrating the best high school basketball players in Northern Utah. Presented by John Watson Chevrolet in Ogden, each week we honor athletes for their exceptional performance on the gridiron. Our winners for week one of the season were Sam Romer from […]

SALT LAKE CITY – The Hercules Salt Lake County High School Player of the Week is celebrating the best high school basketball players in Salt Lake County. Presented by Hercules First Federal Credit Union, each week we honor athletes for their exceptional performance on the gridiron. Our winners for week one were Beckham Bayles from Cyprus High […]

SALT LAKE CITY – The Mr. Mac Utah County High School Player of the Week is awarded each week to the top prep boy’s and girl’s basketball players in Utah County. Sponsored by Mr. Mac, it honors athletes for their performances on the court and exceptional play. Our winners for week one were Jaxon McCuistion from Timpanogos […]

SALT LAKE CITY – The John Watson Northern Utah High School Player of the Week is celebrating the best high school football player in Northern Utah. Presented by John Watson Chevrolet in Ogden, each week we honor athletes for their exceptional performance on the gridiron. Our co-winners of the week were Beck Sheffield from Morgan High School […]

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