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The Future of Patient Care Through Human-Centered Technology

September 11, 2026 MMN Editor Filed Under: Uncategorized

The question in healthcare technology is no longer whether clinical practice will change. It has become what the technology targets, who decides, and what happens to the encounter between a clinician and a patient once the tooling arrives.
Those are design questions rather than engineering ones, and they are answered long before a system reaches a ward.
The Pressure Behind the Urgency
Interest in clinical technology is not primarily enthusiasm for novelty. It responds to a workforce problem with a defined shape. Health service projections suggest that by 2030 the gap between supply and demand for staff employed by NHS trusts could reach almost 250,000 full-time equivalent posts.
A shortfall on that scale cannot be recruited away. It has to be met partly by changing what clinical time is spent on, which is the only argument for healthcare technology that survives contact with a budget committee. Systems that return clinician hours to patient care address the problem. Systems that add documentation, alerts, or administrative steps make it worse while appearing modern.
What the Technology Has Actually Demonstrated
The evidence base is stronger than the skepticism suggests and narrower than the marketing implies, and the specifics matter more than either position.
In diabetic retinopathy, an FDA-approved algorithm demonstrated 87 percent sensitivity and 90 percent specificity for detecting more-than-mild disease. That performance supports screening at a scale ophthalmology cannot staff directly, in a condition where early detection prevents irreversible loss of sight.
In radiotherapy, automated segmentation has reduced preparation time by up to 90 percent. That figure is not abstract efficiency. It is the interval between a decision to treat and the start of treatment, measured in a disease where waiting has consequences.
Both examples share a structure worth noting. Each targets a bounded task with a clear clinical endpoint, and each returns time or reach to the people delivering care rather than requiring more from them.
Where Deployment Has Concentrated
The distribution of approved tools reveals something about how the field has developed so far.
Among approved AI and machine learning medical devices, 129 in the United States and 126 in Europe, representing 58 percent and 53 percent, respectively, were cleared for radiological use. More than half the regulated activity sits in a single specialty.
That concentration is explicable. Radiology produces structured digital images at volume, with established ground truth and a workflow already mediated by software, which makes it the path of least resistance for development and validation. It also shows where the remaining opportunity lies, since primary care, nursing workflow, discharge planning, and chronic disease management carry a substantial share of the workforce burden and comparatively little tooling.
Starting From the Clinical Problem
The most consistent predictor of whether a healthcare technology succeeds is the direction it was built in.
A clinical-first AI approach begins with a problem clinicians have named, defines the outcome that would constitute improvement, and then asks what technology serves it. The alternative, which is more common than the sector likes to admit, begins with a capable model and searches for a setting willing to host it. The second approach produces pilots that impress at conference presentations and quietly lapse once the implementation team leaves.
The implementation sequences that hold up in practice follow the same order. Stakeholder engagement first, then human-centered design, experimentation, rigorous validation, planning for scale, and continuous monitoring after deployment. Every element in that sequence concerns fit rather than capability, and it begins with people rather than architecture.
Augmentation as a Design Commitment
The framing that has held up best is also the least dramatic. These systems amplify and augment human intelligence rather than replacing it.
That is a design commitment with practical consequences, not a reassurance. It means the clinician remains the decision-maker and the system supplies input, which requires the input to be interpretable, disagreement with it to be straightforward, and accountability to stay clearly located.
Systems built on the opposite assumption produce a particular failure. When a tool is positioned as authoritative, clinical judgment begins to defer to it, and the deference is hardest to detect precisely where the tool performs well most of the time. Automation bias is not a hypothetical risk in medicine; it is documented, and it is designed for or against at the interface.
The Risk Worth Naming Directly
The counterargument to technological optimism in medicine deserves to be stated in its own terms rather than dismissed. Clinical literature addresses the dehumanization of patient care, and the concern is not that algorithms will make poor decisions. It is that mediated care becomes less human care, and that the relationship carrying much of medicine’s therapeutic value is the part most easily eroded by systems optimized for throughput.
The concern has empirical grounding in an older, simpler technology. Electronic health records were introduced to improve safety and coordination, and they largely did both. They also shifted clinician attention to a screen during consultations and added documentation hours to the workday, which contributed materially to burnout across the profession.
That history is the most useful available guide. A technology can succeed against its stated objective and still degrade care, if the effect on attention and relationship was never part of the specification.
What Human-Centered Requires in Practice
The phrase is used loosely enough to have lost most of its meaning, so it is worth restating as specific commitments.
It requires that clinicians and patients participate in defining the problem before a solution is scoped, rather than being consulted on an interface after the architecture is fixed. It requires validation in the population and setting where the tool will run, since performance established in one cohort does not automatically transfer to another with different prevalence, demographics, or equipment.
It requires monitoring after deployment, because clinical practice shifts, populations change, and model performance degrades quietly rather than announcing itself. It also requires an honest accounting of time, measuring whether a system returned clinical hours or merely moved them to a different part of the day.
The Interface Is Where Care Is Protected or Lost
Most of what determines whether technology improves a consultation is decided in the interaction design rather than the model.
Ambient documentation that removes typing from a consultation returns attention to the patient. The same underlying capability, delivered as a form requiring review and correction mid-appointment, takes attention away. The clinical performance is identical in both cases; the effect on care is not.
That is the practical meaning of human-centered technology in medicine. Not a philosophical position about the role of machines, but a series of concrete decisions about where a clinician’s eyes are, how much cognitive load a tool imposes, and whether the system is doing work that used to consume a clinician’s day or simply reorganizing it.
The Direction That Holds Up
The workforce pressure is real and will not resolve on its own. The clinical evidence for well-targeted tools is genuine, as the retinopathy and radiotherapy results demonstrate. The risk of eroding the human element is equally genuine, and the electronic health record showed how it happens without anyone intending it.
The resolution is not a compromise between those positions. It is a sequence: identify the clinical problem, design with the people who live inside it, validate in the setting where it will run, and measure the effect on the encounter rather than only on the metric.
The future of patient care will involve considerably more technology. Whether it improves care depends on what the technology was asked to do and who was in the room when the question was framed.
The post The Future of Patient Care Through Human-Centered Technology appeared first on Addicted 2 Success.

What Should Be Displayed on Digital Screens in Different Areas of a Workplace

September 11, 2026 MMN Editor Filed Under: Uncategorized

A workplace holds several kinds of space, with a different audience in each one. Digital screens in those spaces reach staff, visitors, and contractors across a single network. The content that works at reception rarely suits the production floor.
Content matched to the room raises the chance that people read it. A digital display screen in a busy corridor faces a reader already in motion. The sections below cover five workplace areas with the content suited to each.
Reception Lobbies Speak to Visitors First
Visitors wait in a lobby for a few minutes before a host arrives. A short loop repeats the same slide while one visitor still waits. Four content types suit that wait, with little effort from the desk.

A branded video with a welcome message that covers the greeting on arrival
A greeting slide with the visitor name that signals an expected arrival
Company news with recent project photos that give the visitor useful context
A social media feed that adds movement between the slower slides

Hallway Screens Need Short Notices
People move through hallways, elevators, stairwells with a clear destination in mind. A screen there holds attention for two or three seconds at most. Long paragraphs waste the space because nobody stops to read them.
High-priority announcements reach the whole building within seconds. Event dates with a countdown timer keep a deadline in view. Local weather, traffic maps, transit updates help people plan the trip home. Rotation speed should match the walk, with a slide every six seconds.
Office Floors Carry Live Team Numbers
Desk workers pass an office screen many times across a single day. Repeat exposure suits numbers that change, such as sales totals or ticket queues. A static slide loses attention after the second or third pass. A dashboard with no named owner still shows last quarter’s figures in spring.
Dashboards drawn from live data keep the same screen useful all week. Team targets, project stages, service levels each earn a place in the rotation. Managers should limit the screen to figures the team can influence.
Break Room Screens Suit Lighter Content
Staff enter a break room to step away from work for a while. Performance figures in that room read as pressure at the wrong moment. Four lighter items suit the mood of that space.

Staff recognition for birthdays, work anniversaries, awards that mark a team result
The cafeteria menu with daily food options that saves a walk downstairs
Wellness tips with a reminder to take a proper break away from the desk
Short training clips that give people something useful in a quiet moment

Warehouse Screens Keep Safety in View
A warehouse runs heavy equipment across shifts that continue through the night. Workers read a screen at a distance, sometimes from a forklift seat. A digital display screen on that floor needs large type with strong contrast.
Days without an incident, shift targets, and dispatch counts give the shift a clear focus. Hazard alerts should override the rotation the moment a supervisor sends one. Content stays short because a worker reads it in a few seconds. Letter height should reach about one inch for every ten feet a worker stands away.
Screen content works when it matches the room it sits in. Reception needs a calm welcome, with large safety text on the warehouse floor. Break rooms suit lighter material, with hallways limited to a single message. A short walk through the building shows which screens carry the wrong content. The right software lets one team manage every zone from a single account.
The post What Should Be Displayed on Digital Screens in Different Areas of a Workplace appeared first on Addicted 2 Success.

‘More Debt And More Inflation’: Some Republicans Rebuke Or Express Skepticism Of Trump’s $5,000 Election Checks

September 11, 2026 MMN Editor Filed Under: Uncategorized

Florida Gov. Ron DeSantis, R-Fla., has been the most prominent GOP critic of Trump’s promise.

74-year-old 7-Eleven rival closing all locations

September 11, 2026 MMN Editor Filed Under: Uncategorized

Back in the late 70s and early 1980s, my small town had a mom-and-pop convenience store, Paul’s Market, as well as one location of a regional chain, Richdale’s. It later added a store from a larger chain, White Hen Pantry.

7-Eleven and other large chains existed, but local stores, even one-offs, were common. Now, just over the past few years, a number of bigger players have swallowed up some smaller chains.

The banner retirements are real and named, according to data from NACS Magazine.

GetGo was sold to Circle K, Redwood Markets went to Jacksons (24 stores, California), and Maverick bought the Kum & Go Brand, which included about 400 locations. In all three cases, the name changes were gradual as stores got remodeled, but in the end, the classic names disappeared.

Now, the same thing has happened again as Casey’s has begun the process of removing the CEFCO name from the 198 stores it added when it bought the rival chain in 2024.

Casey’s is ending the CEFCO name

Casey’s, which operated 2,959 stores as of July 31, 2026, in 19 states, according to a recent SEC Filing, purchased Fikes Wholesale, Inc., owner of CEFCO Convenience Stores, in an all-cash transaction for $1.145 billion. The purchase price includes tax benefits valued at approximately $165 million for a net after-tax purchase price of $980 million, according to a press release.

Since the transaction closed, Casey’s has been remodeling CEFCO stores, then rebranding them under the Casey’s banner.

Casey’s CEO Darren Rebelez talked about the ongoing remodeling and renaming process during the company’s first-quarter earnings call.

“The stores that have been already remodeled to Casey’s in prior periods have performed exceptionally well, and we expect to remodel Cefco stores throughout the fiscal year,” he said.

Rebelez shared the progress on the transition.

“During fiscal year 26, we remodeled approximately 50 Cefco stores to Casey’s. In the first quarter of fiscal year 27, we have remodeled 24 more stores, We are extremely excited about the results we are seeing, as the average PFMDB lift at the stores that were remodeled to 30% versus its results of the same period prior to remodel,” he added.

More Retail:

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The ongoing remodeling, he noted, has not stopped Casey’s from adding new stores.

“While we are busy with CEFCO conversions, [it] does not stop us from continuing to grow the store base, as we are on track to meet our 120-store unit goal for the fiscal year,” he shared.

Rebelez did not share when the remodels would be completed and the CEFCO name retired.

Casey’s has a unique business model. About 71% of its locations are in towns with fewer than 20,000 people, and roughly half are in Iowa, Missouri, and Illinois, according to the SEC filing referenced above.

The chain comes in third by store count behind market leader 7-Eleven (12,700) and Couche-Tarde (7,308), according to CSP Daily News data.

Casey’s store count will soon surpass 3,000.Shutterstock

Convenience-store chains have been consolidating

“The pace of merger and acquisition activity in the U.S. convenience store sector is accelerating, with recent trends suggesting the nation’s c-store landscape is ripe for more change. While most of the transactions in 2024 involved smaller chains or single-store operators, several larger operators inked deals to significantly expand their footprints into new regions,” according to a report from CoBank.

That’s something Rebelez also commented on during Casey’s Q1 earnings call.

“I would say the M&A environment is, is still really good. And that is a reflection of the challenging environment that the industry finds itself in, particularly the small operators. And so it would not say it is changed. I would say it is still consistent, maybe even gotten a little better from a buyer’s perspective,” he said.

Others operating in the space see the same thing.

“There still remains a large number of chains out there in the 10 to 100 store range that, depending on what their long-term strategy is — especially if they’re family-owned businesses — may decide that they want to get out,” Rob Gallo, chief strategy officer for c-store consultancy Impact 21, told CStoreDive.

And while many of these companies have been in the same family for multiple years, their operating challenges have increased.

“It’s just more difficult to manage the chain if you’re a small operator compared to the big guys, especially with the consolidation going on across the country and in many cases, in their backyards,” Jesse Betzner, senior director for Capstone Partners, an investment banking and M&A advisory firm, told CStoreDive.

Besides acquiring CEFCO, Casey’s has bought the 22-site Lone Star Food Stores chain and is in the process of buying the 24-location Pak-A-Sak brand. Some Lone Star locations will be rebranded as Casey’s, but others may retain their original name while being remodeled to match Casey’s on the interior.

No public decision has been made on the Pak-A-Sak brand.

Smaller operators still dominate

There are 151,975 convenience stores in the United States, a slight decrease of 280 stores (0.2%) compared to the year prior, according to the 2026 NACS/NIQ TDLinx Convenience Industry Store Count.

And while it seems as if larger chains dominate, small players still play a signifcant role.

“The industry continues to be dominated by smaller operators. Overall, 95,672 stores are owned by a company that has 10 or fewer stores, 63% of the total store count. Companies operating 500-plus stores own 33,810 stores, or 22.2% of the overall total,” according to NACS data.

In addition to the slight decrease in overall stores, there has also been another meaningful change.

“While the overall store count dipped slightly, the number of convenience stores selling fuel increased by 768 stores (0.6%) to 122,620, the highest number in eight years. Convenience stores sell an estimated 80% of the fuel purchased by consumers in the United States. Overall, 80.7% of convenience stores sell fuel,” added the NACS.

ALSO READ: Costco fixed the one thing members hated about shopping there

How rising bond yields can wreck some portfolios while pumping up others with cash

September 11, 2026 MMN Editor Filed Under: Uncategorized

Also in Weekend Reads: Helping retirees get over their fear of spending, prenups, Walmart’s big move, and advice from the Moneyist.

Uber CEO makes shocking admission about layoffs

September 11, 2026 MMN Editor Filed Under: Uncategorized

Uber cut 3,300 jobs on Sept. 2. Wall Street read it as an efficiency move, and the stock increased by 2%.

A week later, the CEO told investors where the savings are actually going. The answer is not what most people expected.

Speaking at the Goldman Sachs Communacopia and Technology Conference on Sept. 10, CEO Dara Khosrowshahi said Uber plans to use the money it saves from the layoffs to bring prices down for riders, Seeking Alpha reported.

That is not the typical playbook. Most companies that cut this many jobs pocket the savings as margin.

What Khosrowshahi said about lower Uber prices

“We are going to take the savings there and essentially reinvest it back in the business, lowering prices, improving selection, and continuing to invest in our growth program,” Khosrowshahi said at the Sept. 10 conference.

The payroll savings are only part of it. Khosrowshahi also said Uber is bringing down its insurance costs and plans to funnel that money into pricing. Lower insurance expenses are a meaningful lever for a ride-hailing company since insurance is one of the biggest cost lines in the business.

He said cheaper fares keep riders engaged with the app and drive higher trip volumes.

More Layoffs:

Samsung cuts jobs as it shifts U.S. headquarters

Another popular soda giant closes warehouse operation, cuts 184 jobs

Meta layoffs take disturbing turn in new lawsuit

Uber has not said by how much fares would drop or when riders would start to see it. Khosrowshahi framed it as a direction rather than a specific target. But the fact that he mentioned it twice, once for payroll savings and once for insurance savings, signals it is a real priority rather than a talking point.

Khosrowshahi framed the whole move as coming from a position of strength. He said Uber made the cuts “from a position of strength versus weakness” and pushed back on any suggestion that the layoffs signal financial trouble.

On Sept. 10, Uber also disclosed in an SEC filing that Khosrowshahi personally added roughly $10 million in company shares to his own holdings. Shares rose about 2% on the same day.

Why Uber cut 3,300 jobs and what it said about AI

Uber announced the layoffs on Sept. 2 in a memo Khosrowshahi sent to employees. He said the company’s rapid growth had created “more layers, more coordination, more fragmented ownership” with structures that “no longer serve us well at our current scale,” as TheStreet reported.

The restructuring targets management. Uber plans to reduce its number of managers by 20% at every level, shifting many of those employees into individual contributor roles rather than eliminating their jobs entirely, TechCrunch reported.

Khosrowshahi was also specific about what the cuts are not about. He said in the memo that the changes were “not about anyone’s contributions to Uber.” And he did not attribute the cuts to AI, which separates this from what most tech companies have been doing in 2026.

Meta cut roughly 8,000 workers in May. Morgan Stanley eliminated nearly 2,500 roles in March. Both companies tied their reductions at least partly to AI investment and automation. Uber explicitly did not, as TheStreet noted

Uber does invest heavily in AI for things like dynamic pricing, matching riders with drivers and optimizing routes. But using AI to improve the product is different from using AI to replace workers. Khosrowshahi has drawn that line clearly and stuck to it across multiple public appearances since the Sept. 2 announcement.

The pricing commitment is the part that carries the most weight for riders. Lower fares have historically driven trip volume for Uber.NurPhoto / Getty Images

What the layoff savings mean for your next Uber ride

Khosrowshahi has been pushing lower prices as a competitive lever for a while.

Uber competes with Lyft in the United States and with a range of local players in its international markets. Price is one of the main reasons riders choose one over the other. Passing savings through to fares is a growth strategy, not just a goodwill gesture.

Uber is also investing heavily in autonomous vehicles. The company has committed more than $10 billion to autonomous vehicle development over the coming years. Lower human-driver costs as robotaxis eventually scale could amplify the pricing advantage Khosrowshahi is talking about now.

The Sept. 10 conference comments were framed around immediate savings from layoffs and insurance, but the longer-term direction points the same way.

The numbers behind Uber’s restructuring

The 3,300 jobs cut in September 2026 represent Uber’s largest workforce reduction since the pandemic. In May 2020, the company eliminated about 6,700 jobs in two rounds as ride demand collapsed under COVID-19 lockdowns, Reuters reported.

The cuts are happening during a very different moment. Uber’s revenue grew 18% between 2024 and 2025 to about $52 billion, according to Uber’s annual results. Growth continued into 2026 even as it slowed, with second-quarter 2026 revenue up 12% to about $14.2 billion. The company also confirmed it exited operations in Nigeria and Uganda entirely, calling it a decision limited to those two markets.

Uber shares had been underperforming heading into the Sept. 2 announcement, down about 12% for the year as of early August, according to CNBC. The layoff news reversed some of that.

Khosrowshahi’s subsequent share purchase on Sept. 10 added another signal that management sees the stock as undervalued at current levels.

The pricing commitment is the part that carries the most weight for riders. Lower fares have historically driven trip volume for Uber. Whether the savings are large enough to move prices in any meaningful way is a separate question, but Khosrowshahi naming it specifically at a Goldman Sachs investor conference makes it a commitment the company will be held to.

The Goldman Sachs conference appearance on Sept. 10 was not the only signal Khosrowshahi sent to the market that day. The SEC filing showing he purchased $10 million in Uber shares landed the same morning. A CEO buying $10 million of his own company’s stock on the same day he is explaining where the layoff savings go is a notable combination.

Both moves point in the same direction: Management thinks the current price undervalues what Uber is building.

Related: Uber cuts dozens of jobs amid AI restructuring

Investors are all wrong about demography

September 11, 2026 MMN Editor Filed Under: Uncategorized

A shrinking population doesn’t have to be the kiss of death.

The Housing Allowance Strategy: Building a Portfolio One Duty Station at a Time

September 11, 2026 MMN Editor Filed Under: Uncategorized

For active-duty service members who are constantly moving to new locations, buying a home may not be high on their radar. But that mindset can lead them to overlook one of the greatest benefits the Department of Veterans Affairs offers: the home loan.
The VA loan program lets military service members and veterans buy homes at low interest rates and, in many cases, with no down payment. And while it might seem counterintuitive to buy a house somewhere you’ll only be for a few years, using the VA loan at each new duty station — or even every duty station — can be a strategic way to build wealth and create a steady income stream once military members move away.
Buying a home vs. renting at your duty station
Renting likely seems like the easiest route when making a PCS, but with the VA loan program, it’s not as clear a winner as you’d think.
“Many military buyers hear ‘rates are high’ and immediately assume homeownership is out of reach, but interest is 100% when you rent,” says Clint Jordan, an Air Force veteran, real estate agent and owner of the Mil-Estate real estate network. “You’re still making a monthly payment — you’re just paying someone else’s mortgage instead of building your own equity.”
With VA loans, military members and veterans can buy homes and build that equity without many of the challenges that come with traditional mortgage programs. They typically require no money down, offer low interest rates, and allow the seller to pay 100% of the buyer’s closing costs. They also require no mortgage insurance.
Buying real estate at a new duty station can help military members create steady revenue streams. They can buy a house, stay there until their next PCS, and then turn it into a rental once they leave.
Repeat that process at each station, and in a few years, they’ll have multiple rental properties, all churning out income at the same time.
“Homes near military bases typically maintain strong rental demand because service members are constantly rotating in and out,” Jordan says. “That creates a consistent pool of tenants around most major installations.”
And the mechanism that allows you to use this strategy is your basic allowance for housing (BAH).
Putting your housing allowance to work for you
BAH is a monthly allowance paid by the Department of Defense (DoD) to offset housing costs for service members who are not provided with military quarters. The amount paid is based on the member’s rank (or pay grade), the ZIP code where they’re located and whether they have dependents, and it is paid in addition to your base pay.
The DoD recalculates the BAH every year using local rental (not sales price) market and utility cost data across 299 military housing locations. Every time you move to a new duty station, your BAH will adjust to reflect any increase or decrease in housing costs.
According to Chris Birk, vice president of mortgage insight at Veterans United Home Loans, the military housing allowance “can be an incredibly valuable part of the homebuying equation for active duty service members.”
The main benefit of using BAH when buying a home is that it is tax-free income, and many lenders will base their lending decision on whether you have enough income to pay the debt. When properly verified, the untaxed nature of the housing allowance provides an underwriting advantage, allowing lenders to “gross up” that money, typically by 15% to 25%, to match the buying power that someone with a higher, taxable income might have.
For example, if your BAH is $2,500 and a 25% adjustment is applied, the lender will consider your gross adjusted income as $3,125 on the loan application. The higher income calculation reduces your debt-to-income ratio, which in turn can increase the loan amount you may qualify for.

 
Base Pay

 
BAH

 
Grossed Up BAH

 
Total Income Used to Determine DTI

 
$3,000

 
$2,500

 
$3,125

 
$6,125

Your BAH will change with every PCS. If you move to an area where housing costs are significantly higher than your previous location, your BAH will also be significantly higher, increasing your buying power even more.
Using your housing allowance can unlock more opportunities for service members, helping them turn those rental dollars into a faster track toward homeownership.
“That can mean more time to build equity, establish a financial foundation and potentially create wealth that benefits their families for generations,” Birk says.
Beware, however, that your basic housing allowance is meant to cover 95% of your housing costs, so you will need to have cash on hand for insurance, property taxes and other housing-related expenses.
Can you use VA loans to buy more than one home?
Many military members take this multiple-home-buying approach to PCS’ing — and even use the VA loan program to do it. According to a 2024 survey from Veterans United, 22% of active-duty homeowners have used their VA loan benefit to buy a home two or more times.
More recent data from Veterans United shows that over half of active-duty members currently own residential properties in addition to their primary home, with 85% saying the VA’s loan benefits have helped improve their financial position.
“I PCS’d six times during my Air Force career,” Jordan says. “Had someone truly explained this to me early on, I could have purchased homes at multiple duty stations and potentially had several rental properties today producing equity and passive income.”
Using a VA loan to buy multiple properties means understanding how your VA loan entitlement works and how much you can borrow without a down payment. Working through the second- or third-tier entitlement math with a lender ensures you stay within budget and make the right financial decision.
“It’s absolutely possible for service members to have more than one VA loan at the same time,” Birk says. “The question is often more about whether you will need to make a down payment. And even when buyers do need to make a down payment, that figure might be way less than what they would need for other loan types.”
You’ll also need to meet the VA’s occupancy rule. VA loans are for financing the purchase of your primary home, not investment properties. You may have to convert your VA loan to a conventional loan if you plan on keeping the property as a rental, so you need to ensure the rent payments cover the monthly expenses of the property you’re leaving behind.
When renting makes more sense than buying
Buying over renting at each duty station works well if you have a stable assignment lasting three or more years and your BAH covers most or all of your mortgage payments. You should also feel comfortable being a long-distance landlord if you decide to rent out the property once you leave.
On the other hand, several scenarios make renting the better choice. If you are on a short-term assignment, or if your mortgage costs far exceed your BAH allowance, buying won’t make sense.
You should also know that BAH can change between duty stations and is not a permanent benefit. If you PCS to a less expensive duty station, your BAH will decrease and may not be enough for you to qualify for a new loan.
Changes in your pay grade and number of dependents will also alter the math. Moving into military housing cuts your BAH off completely, as does being discharged or retiring from service. You’ll need to run the numbers based on your next duty station, new pay grade or changed status to see if the strategy still works or whether renting is the best choice.

Networking for a Job Without 200 Cold Applications

September 11, 2026 MMN Editor Filed Under: Uncategorized

Networking for a job is one of the most practical ways to reduce your dependence on cold applications. Instead of applying to hundreds of listings and hoping your resume survives the first screening, you build relationships with people who can offer context, introduce you to hiring teams, or make you aware of opportunities before they become crowded.
The goal is not to ask everyone you know for a job. Effective networking is quieter than that. It is about having useful conversations, being specific about the kind of work you want, and making it easy for others to understand where you could be a good fit.
Table of Contents

Why networking can be more effective than cold applications
How to network for a job without asking directly
How to turn conversations into opportunities
How to make job search networking sustainable
Frequently asked questions

Why Networking for a Job Can Beat Cold Applications and Access the Hidden Job Market
Networking for a Job Gives You More Than a Referral
A referral is useful, but it is not the only reason networking works.
Good conversations can help you understand what employers actually care about, which skills are becoming more important, and how teams describe the problems they need someone to solve. That information can make your resume, outreach, and interviews much stronger. Your strong ties may give you trusted context, while weak ties often expose you to different job opportunities than strong ties.
It also helps you avoid wasting time. If you are interested in support, coordination, or office-based work, existing connections in that area may tell you whether your experience is better suited to executive support, operations, scheduling, customer coordination, or another path.
That kind of context is often difficult to get from a job description alone.
Job Search Networking Helps Job Seekers Narrow Their Target
One reason people send hundreds of cold applications is that their search is too broad.
They may apply for administrative, operations, support, customer service, and assistant roles at the same time without knowing which ones best match their skills. Networking forces you to explain what you actually want, which also helps clarify your career goals.
For example, someone focused on organization, scheduling, documentation, and day-to-day coordination may be targeting remote administrative assistant jobs, while another person may be better suited to broader support roles involving communication, research, or executive assistance.
The clearer your target and preferred job title become, the easier it is for other people to help.
How to Network for a Job Without Asking for One
Start With Questions, Not Requests
If you are learning how to network for a job, one of the biggest mistakes job seekers make is opening with a request for a referral.
A better first message is built around curiosity. Informational interviews are an effective but underused format for these conversations.
Ask someone about their role, their team, or the skills that matter in their field, showing genuine interest and being genuinely interested in the other person’s experience. You might ask what surprised them about the job, what qualities make someone effective, or what they would focus on if they were entering the field today.
Useful questions include:

What skills matter most in your role right now?
What tends to make candidates stand out?
What do people misunderstand about this type of work?
Which skills would you prioritize if you were entering the field today?
Are there related roles people often overlook?

Questions like these create a real conversation rather than forcing the other person to make an immediate decision about helping you.
Make It Easy for People to Understand Your Direction
People cannot help you network effectively if they do not understand what you are looking for.
Saying “I am open to anything” sounds flexible, but it gives your contact very little to work with, and most job seekers stay too broad at this stage. A better approach is to name the type of work you want and the skills you bring.
You might say that you are looking for remote roles involving scheduling, inbox management, client communication, coordination, or research. If your interests span several kinds of support work, remote assistant jobs can naturally fall within that broader target.
Specificity makes you easier to remember.
It also means that when someone hears about relevant job openings, they can quickly decide whether they fit what you want.
How to Find a Job Through Networking Without Feeling Pushy
Build Relationships Before You Need Something
Building relationships rarely begins with a vacancy.
Reconnect with people you have worked with before. This can include people you have lost touch with, not just active contacts. Stay in touch with former colleagues. Participate in professional communities. Comment thoughtfully on industry discussions. Congratulate people when they move into new roles.
None of these actions needs to be strategic in an obvious way.
Maintaining professional relationships matters more than focusing only on new contacts, while still making time to build new relationships over time.
The point is simply to remain visible and useful within your professional network and support long-term professional relationships.
When you only contact people after spotting a job, every message feels transactional. When you have already exchanged ideas or stayed in touch, asking about an opportunity feels much more natural.
Ask for Context Before Asking for an Introduction
Suppose you find a role at a company where one person in your network works.
Instead of immediately saying, “Can you refer me?” ask whether they are the right person to talk to, whether they know anything about the team or role, or what the hiring managers value.
That gives them space to respond honestly. Even if no referral follows, those conversations can still surface career advice or job leads.
They may offer useful information. They may tell you the role is not a good fit. They may suggest another position. Or they may volunteer to introduce you.
The important difference is that you are not treating the relationship like a shortcut.
You are asking for information first.
How to Make Job Search Networking Sustainable
Use a Small, Consistent Routine
Networking does not require spending hours every day sending messages.
A simple weekly routine is often enough to move your job search forward.
You could:

Reconnect with two former colleagues.
Start building new connections with one person in your target field.
Follow up with someone you spoke to previously.
Comment meaningfully on one or two professional discussions.
Share one useful resource with someone in your network.
Add occasional networking events such as industry meetups, job fairs, or hiring events when they fit your schedule.

In-person networking is not just about exchanging business cards, but about starting real conversations that can grow into stronger professional relationships.
This takes far less time than submitting dozens of applications, and the conversations often provide information that improves the applications you do send.
Consistency matters more than volume. These networking efforts can reveal leads beyond job boards, and the hidden job market is one reason they matter when you’re trying to land your next job.
Keep Notes for Maintaining Professional Relationships So Conversations Do Not Go Cold
Job search networking becomes much easier when you remember what people told you.
Keep a basic record of who you spoke with, what you discussed, and whether there is a natural reason to follow up with gratitude and a relevant update on your job search progress, not just to help your memory.
For example, if someone recommends a skill to learn, you can contact them later after you have worked on it and mention how you applied their advice. If they mention that their company may hire later in the year, you can reconnect at an appropriate time.
This gives every follow-up a reason.
It also prevents the awkward habit of appearing after six months with nothing more than, “Do you know of any openings?” A brief thank you note or update after a helpful conversation can strengthen the connection, such as sharing relevant job search progress after acting on their advice.
Why Networking Works Best When You Stop Chasing Everyone
Networking is not a numbers game in the same way mass applying is.
You do not need 500 contacts. Your close connections can help, but weaker contacts often matter too when they understand what you do and what kind of work you want.
A former manager who knows your strengths may be more useful than dozens of new LinkedIn connections. Weak ties can bring more value because they expose you to different teams, companies, or industry trends. A thoughtful conversation with someone doing your target job may be more valuable than sending another 20 generic applications.
This is one of the biggest lessons in how to find a job through networking: quality matters more than reach.
A smaller network with strong relationships can create more useful opportunities than a huge contact list built only for job searching.
Frequently Asked Questions
How do you network for a job without directly asking for one?
Start by treating job networking as a way to ask for information, perspective, or advice rather than employment. Talk to people about their roles, industries, and teams, and share enough about your own goals to give them context. Over time, those conversations can lead to introductions or referrals naturally. The strongest networking relationships usually develop before there is a specific job request on the table. It is a two-way street, and the ultimate goal is to build long-term professional relationships, not just land one opening.
What is the best way to find a job through networking?
Start with people who already know you, including former colleagues, classmates, managers, clients, or professional contacts, then expand more strategically through new connections and industry conversations. Be specific about the type of work you want and ask useful questions in almost any networking situation, as long as you stay specific and considerate. This makes it easier for people to recognize relevant opportunities and connect you with others, and a career changer may also need to reach beyond familiar circles into communities in the new field.
How can job search networking reduce the need for cold applications?
Networking gives you information before you apply. You may learn which roles fit your skills, what a hiring team values, or when a company is likely to recruit. You may also hear about openings through people you already know, since relying solely on job boards or online applications can limit access to roles that circulate through networks first. LinkedIn can also help surface companies and openings through its extensive network of company profiles. As a result, you can spend more time on well-matched applications instead of sending large numbers of generic ones, which can support overall job search success.
Should you ask someone for a referral after one conversation?
Usually, it is better not to make a referral the goal of your first conversation. Start by learning about the person’s experience and the company or field, since asking for context first helps you approach networking in a way that feels respectful rather than transactional. If the discussion goes well and there is a genuine match, you can later ask whether they would feel comfortable introducing you or sharing insight about an opening.
How many people should you contact when networking for a job?
There is no ideal number. A few thoughtful conversations each week can be more effective than dozens of generic messages, and at in-person events it still helps to carry business cards so sharing contact details and following up is easy. Focus on people connected to the roles, companies, or industries you care about, and prioritize genuine exchanges over volume. Networking for a job works best when people remember who you are and clearly understand what you can contribute, and human beings tend to remember specific, helpful interactions more than message volume. One meaningful conversation can move your next job search further than dozens of generic outreach attempts.
The post Networking for a Job Without 200 Cold Applications appeared first on Addicted 2 Success.

Oracle Stock Rises After Q1 Results Show AI Cloud Growth, Lower Cash Burn

September 11, 2026 MMN Editor Filed Under: Uncategorized

Oracle shares rose over 7% in premarket trading on Friday after they were down over 21% for the year.

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