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Articles by Benjamin Clark
Your say: week beginning November 9
Ashmitaa Thiruselvam, The Conversation and Benjamin Clark, The Conversation Sun 8 November 2026 at 10:27 pm UTC 1 min read Add Yahoo as a preferred source to see more of our stories on Google. Every day, we publish a selection of your emails in our newsletter. We'd love to hear from you, you can email us at yoursay@theconversation.edu.au. Monday November 3 "In regards to the article 'Exempting pensioners from private health rebate changes won't make it fairer.
Want to Buy a Home Before Year-End? Exclusive Buyer Agents Say Start Now, and Start with the Right Representation
NAEBA, the National Association of Exclusive Buyer Agents is a non-profit organization of real estate brokerages that represent buyers only.
Pittsburgh Weather Whiplash: From Foggy 50s to 82-Degree Heat Before Snow Tease
U.S. Politics 2 hours ago DOJ launches antitrust probe of TV networks. And, Trump says Ukraine needs new leader gpb.org - Brittney Melton • 2h Good morning. You're reading the Up First newsletter.
National Homebuyer Advocates Call for Open Markets Amid the Growth of 'Pocket' Real Estate Listings
National Homebuyer Advocates Call for Open Markets Amid the Growth of 'Pocket' Real Estate Listings NAEBA, the National Association of Exclusive Buyer Agents is a non-profit organization of real estate brokerages that represent buyers only.
Burnham copied Mamdani. Now Albanese should copy Burnham
Anthony Albanese and Andy Burnham met in person for the first time last week, on the sidelines of the United Nations General Assembly meeting in New York. The key topic of discussion, according to the Australian media? Rugby league. Burnham, who happens to be the former president of the league’s UK governing body, was apparently recruited to support the PM’s Rabbitohs. It was the second time they had connected over the sport, having spoken by phone in July after Burnham became prime minister.
Kosovo Man Charged in Rydox Case Involving Stolen Data
1 day ago President Donald Trump made multiple false claims in his address to the United Nations General Assembly on Tuesday, though he largely stuck to a prepared text. Here is a fact check of some of his assertions. Trump and wars Trump, repeating a frequent false claim, said, “Since I took office, it has …
Pittsburgh Weather Forecast Rain Thursday Storms This Weekend
2 hours ago An airplane pilot died Wednesday after a violent collision with a Pennsylvania State Police helicopter near a runway at a small airport, but both state troopers aboard the helicopter survived, authorities said. The plane was coming down on the runway and veered into the helicopter that was near the …
Pa. High Court Backs Punxsutawney Hunters, Slaps Limits on Warrantless Land Raids
The Pennsylvania Supreme Court on Tuesday handed a sweeping privacy win to two Clearfield County hunting clubs, ruling that government officials generally have to get a warrant before stepping onto private land that owners have clearly posted or secured. The decision knocks out key parts of Pennsylvania’s Game and Wildlife Code that had allowed warrantless entry and it scales back the open-fields doctrine the state had long followed.
NAEBA Warns Private Listings Test Real Estate Agents’ Fiduciary Duty to Homebuyers
Who Benefits the Most from a Pocket Listing? NAEBA responds to Realtor.com CEO’s warning that hidden listing data, private listings, and reduced transparency threaten consumer protections.
Can Patreon un-enshittify the internet?
On Patreon, you can pay Bob Dylan $5 a month to read his lectures, short stories and imagined “letters never sent” between historical figures, such as Fred Astaire and HG Wells. So far, so Dylan. You might wonder why on earth a world-famous musician who sold his publishing catalogue to Universal for a reported $300m in 2020 is charging fans for his ramblings? Have the writing, narration or promotional material been created with the help of AI, as many have speculated?
Pittsburgh Weather: Sunny Tuesday, Storms Return Late Week
World News 3 hours ago Europe swelters under an early heat wave as France records 40 drowning deaths PBS News - Samuel Petrequin, Associated Press • 3h PARIS (AP) — Millions of people across Europe were exposed to extreme and exceptional high temperatures on Tuesday, with 40 fatalities from drowning … Colorado 2 hours ago Mile High Mayhem: Giant Hail And Smoky Skies Set To Slam Denver hoodline.com - Tessa Bryant • 2h Denver wakes up under clear but smoky skies on Tuesday, June 23, with...
Robert Reich’s good fight
Robert Reich is short: 4ft 11in, to be exact. He has multiple epiphyseal dysplasia, also known as Fairbank’s disease, a rare genetic disorder affecting bone growth. Throughout his career in government and academia, including stints as the United States’s secretary of labour under Bill Clinton and an economic adviser to Barack Obama, Reich has often made jokes about his height.
A combined PIE-FRET and FCS assay to monitor RNA dynamics and cleavage by SARS-CoV-2 Nsp15
Abstract Nsp15 is an endoribonuclease, highly conserved among coronaviruses, that helps the virus evade detection in host cells by cleaving uridine-rich viral RNA sequences. Those sequences would otherwise trigger immune response pathways. Its essential role in pathogenesis and highly conserved nature make Nsp15 an attractive target for therapeutic intervention.
Savannah’s Exclusive Buyer's Realty, Inc. Celebrates NAEBA’s 30-Year "Gold Standard" in Buyer Representation
The NAEBA 30 Year Logo - 3 decades protecting homebuyers The National Association of Exclusive Buyer Agents Marks Three Decades of Advocacy and Excellence for Homebuyers. Our brokerage is 100% committed to the homebuyer. We have no listings... we have no split representation. We represent people, not properties.” — Andi DeFelice, Broker, Exclusive Buyer's Realty, Inc.
San Diego Real Estate Broker Justin Gramm Completes 220 Consecutive Buyer-Side Only Transactions in San Diego County
Justin Gramm - NAEBA Board Member and an Exclusive Buyer's Agent in San Diego, California With an exclusive focus on buyer representation, Justin Gramm marks 18 years of dedicated buyer-side service in the San Diego residential real estate market. An [EBA] provides a low-pressure, educational environment.
A Historic First: Single Women Overtake Men in Purchasing Power and Market Share as First-Time Homebuyers
The NAEBA 30 Year Logo - 3 decades protecting homebuyers NAEBA Highlights A Historic First: Single Women Overtake Men in Purchasing Power and Market Share as First-Time Homebuyers for Women’s History Month Single women are looking at the actual math of getting started and are prioritizing building wealth through homeownership.” — Denise Ovalle, NAEBA Member MESA, AZ, UNITED STATES, March 13, 2026 /EINPresswire.com/ -- Women’s contributions to building the economic foundation of the United...
Pittsburgh Weather: Rain Tonight, Warm Wet Week Ahead
Japan incorporates more disaster planning into its buildings and public spaces than any other nation. Miho Mazereeuw’s new book explains how they do …
Concerns Over Harmful Private Listing Networks Explained by NAEBA (The National Association of Exclusive Buyer Agents)
NAEBA Celebrates 3 decades protecting homebuyers For National Consumer Protection Week, NAEBA calls for transparency, accurate sales data, and Fair Housing compliance to protect home-buying consumers.
Associations between Water Supply Interruptions and Water Use, Drinking Water Quality, Child Health, and Caregiver Stress in Peri-Urban Malawi
Introduction Click to copy section linkSection link copied! The United Nations Sustainable Development Goals aim to achieve universal access to safe and affordable drinking water; meeting this goal remains a global challenge. (1) The WHO/UNICEF Joint Monitoring Programme (JMP) defines a safely managed water service as water from an improved source that is on-premise, free of fecal and priority chemical contamination, and available when needed.
National Association of Exclusive Buyer Agents Cautions Consumers on 50-Year Mortgage Trade-Offs
Jon Boyd, former president of NAEBA Longer loans can lower monthly payments but may sharply increase total interest and slow equity growth, NAEBA leaders say. Choosing a 50-year loan instead of a 30-year mortgage means committing to 20 more years of payments...
NAEBA to Host Free Online Nationwide Homebuyer Education Class on August 6, 2025
NAEBA to Host Free Online Nationwide Homebuyer Education Class on August 6, 2025 Benjamin Clark, President of the National Association of Exclusive Buyer Agents Homebuyer Education Class The class is designed to equip aspiring homeowners with the knowledge to navigate the homebuying process with confidence. Early education is key.
Design and Characterization of DNA-Driven Condensates: Regulating Topology, Mechanical Properties, and Immunorecognition
ACS Applied Materials & Interfaces Cite this: ACS Appl. Mater. Interfaces 2025, XXXX, XXX Click to copy citationCitation copied! . This publication is licensed under CC-BY 4.0 . You are free to share (copy and redistribute) this article in any medium or format and to adapt (remix, transform, and build upon) the material for any purpose, even commercially within the parameters below: Creative Commons (CC): This is a Creative Commons license. Attribution (BY): Credit must be given to the creator.
The cost of downtime: Manufacturing's worst nightmare and how to solve it
In the world of manufacturing and supply chain, downtime caused by a security breach isn’t just an inconvenience—it’s a nightmare that can cripple operations, hindering both revenue and brand reputation. Unfortunately, IBM ranked the manufacturing industry as the most attacked by cybercriminals for the third year in a row. With the industry lagging in cybersecurity adoption, many facilities remain vulnerable to cyberattacks.
The Electoral College
The Electoral College is the system used in the United States to choose the president and vice president. Instead of directly voting for a candidate, Americans vote for a group of people called electors, who then cast their votes for president. Each state has a certain amount of points, which are allocated based on the number of federal house representatives that the state has, plus two votes for the state’s two federal senators.
No, Europe's far right has not lost momentum, two key battles don't make a war
In this week’s Friday Fight, a debate series in which two writers make their case on a hotly contested topic, the question is: has Europe’s far-right movement lost momentum? As extremism creeps into Hungary, Italy and the Netherlands, many people feel hope about the British Labour Party’s huge victory in the UK and France’s shock election result where a coalition of left parties beat back a far-right surge. But what does this actually mean for the continent?
Mushrooms, mould and unsafe wiring: Australian tenants are enduring ‘shit rentals’
Aboriginal and Torres Strait Islander peoples are advised that this article contains names of deceased persons. Last week the High Court ruled the Northern Territory government has to pay compensation to tenants in public housing in the remote Indigenous community of Ltyentye Apurte (also known as Santa Teresa) due to substandard housing conditions. Tenants were found to have endured persistent maintenance issues that went unrepaired.
An Integrated Platform for In Vivo Electrophysiology in Spatial Cognition Experiments
brain stimulation electrophysiology novel tools open-source software spatial cognition Significance Statement This paper presents an innovative and cost-effective behavioral platform designed to distinguish between different navigational elements, addressing the crucial need for better spatial cognition research paradigms. The platform’s flexibility allows for quick modifications without major software or hardware changes.
The media needs to stop presenting objectively rich people as battlers
Lord, what I would give to be “not rich” in the eyes of The Australian Financial Review. After Premier Daniel Andrews announced on Wednesday that Victoria would impose a 7.5% levy on revenue from Airbnbs and other short-stay accommodation, the AFR’s next-day cover story featured Leanne Taylor, a “single mum of two teenagers who uses Airbnb to help her stay ahead of rising interest rates, higher energy bills and more expensive groceries”.
Will Mortgage Interest Rates Go Down?
Mortgage Rate Forecasts (Predictions) from leading research firms. Source: FORTUNE 8-13-2023 In general, it looks like buying now and refinancing when rates drop later is a reasonable expectation. If rates do drop in the future, we would expect prices to rise again, possibly at an accelerated pace due to the shortage of housing units in many markets and the backlog of hesitant buyers that will all be jumping back into the market at the same time.
Rent applications are increasingly dodgy. It’s time politicians stuck up for renters
When national cabinet meets on Wednesday, renters’ rights will be first on the agenda. The prime minister and premiers have earmarked efforts to better align rental policy across the states and territories. The meeting comes as NSW looks to join the other states (except WA) in banning no-grounds evictions. Victoria is also reportedly mulling stricter limits on rent increases. Such measures are welcome.
Challenges to Assuming a VA Loan when Buying a Home
In this new episode of Real Estate Short Cuts, we discuss with loan expert Dave Nichols from NBKC Bank some of the realities of trying to buy a home with an assumable loan. Click Here to Watch While the dream of getting a loan with an interest rate much lower than today's is possible – it's not without its challenges! With the recent rapid rise in interest rates, assuming a seller's existing loan at its much lower interest rate could save you hundreds of dollars a month in mortgage interest.
Why You Should Have a Buyer's Agent When Buying A Home
Whenever you buy a home, one of the most important decisions you'll make is whether or not you will have an agent on your side to make the process smoother and more enjoyable. Your Own Real Estate Expert Sellers almost always have a professional on their side to get them the best price and terms. You should hire a personal real estate expert to look out for you. A Buyer's Agent will help you find the best house and help you get it at the best possible terms.
How to Find the Best Agent when Moving to a New Area
Relocating to a new area without real estate connections can be challenging, but with thorough research, professional assistance, and careful consideration, individuals can make informed decisions about their housing needs in their new location. Without prior knowledge of the local real estate market, individuals may be unsure about property values, market trends, and the best neighborhoods to consider.
Interest Rates are around 7%. Should I buy a home now?
I'm not usually one to suggest that "now is the perfect time to buy" a home. In fact, the perfect time to buy a home is almost always "years, if not decades ago". That's because in spite of crashes and corrections, we are likely never going back to the $80,000 homes of the 1990s or the $3,000 homes of the 1940s. There is no doubt that real estate is a proven LONG-TERM investment. Housing is not getting less expensive Prices do occasionally go down, but not generally over the long term.
The 4 US Cities Where it is Cheaper to Buy than to Rent
There are only 4 US metropolitan cities where the majority of properties are cheaper to buy than rent: Detroit, Philadelphia, Cleveland, and Houston. If you or someone you know are moving to one of those areas, let us help research and screen real estate agents to make sure you connect with a great one! We can help you find the best real estate agents in these or any other U.S. cities.
Moving To One Of The Most Affordable Cities In The U.S.
If you are considering a move to one of the most affordable places in the United States, let RepRelocation make your move more successful and less stressful. RepRelocation makes finding the best experienced, knowledgeable real estate agents easy. Just tell us your needs and we will find, research, and screen the best real estate agents for you.
Agent Matching Service For Relocating Buyers & Sellers
Most agent matching services are created for high-volume lead generation. They are built with speed in mind. They build a database of "top" agents all around the country and when your request comes in, they send a match back to you almost instantly. The problem is that they define what a "top" agent is, not you. And that definition is often clouded by conflicts of interest and previous agreements and arrangements.
Year-End Reporting For ISO Exercises And ESPP Stock Transfers
To print this article, all you need is to be registered or login on Mondaq.com. This alert serves as a reminder of certain year-end reporting requirements imposed under Section 6039 of the Internal Revenue Code of 1986, as amended, with respect to: Incentive stock option (ISO) exercises by current and former employees. Transfers of stock acquired by current and former employees under a tax-qualified employee stock purchase plan (ESPP).
Data Science Project | Will It Rain Tomorrow?
Dropping Data The dataset description states that RISK_MM should be dropped from the dataset since it can result in something called data leakage. This basically means that RISK_MM may contain information about our target variable, rain tomorrow, which we are not suppose to know — which may result in models that are “too good to be true”. Often it is a good idea to remove columns that contain large amounts of missing data since these tend to be less useful to constructing our model.
5 Overvalued Dow Components
There are so many great companies in the market today, but there are also many overvalued companies. By using the ModernGraham valuation model, I've selected five overvalued Dow components. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk. Enterprising Investors, on the other hand, are able to select companies that present a moderate (though still low) amount of risk.
10 Low Price-Earnings Stocks for the Defensive Investor
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've selected the 10 lowest PEmg (price-normalized earnings) companies of those reviewed. Each company has been determined to be undervalued or fairly valued and suitable for the Defensive Investor according to the ModernGraham approach. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk.
10 Stocks for Using a Benjamin Graham Value Investing Strategy
Out of the multitude of companies, which ones would legendary value investor Benjamin Graham buy today? I've compiled 10 great companies that fit the ModernGraham criteria, based on Graham's methods. The companies in this list pass the rigorous requirements of either the Defensive Investor or the Enterprising Investor and are either fairly valued or undervalued by the market. Citizens Financial Group Inc.
5 Low Price-Earnings Mid-Cap Companies
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've selected some of the lowest price-earnings and undervalued mid-cap companies. The model is based on the full teachings of Benjamin Graham. All of these companies are suitable for the Defensive Investor or the Enterprising Investor. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk.
10 Low Price-Earnings Stock Picks for the Enterprising Investor
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've selected 10 low price-earnings stocks for the Enterprising Investor. These companies have the lowest PEmg (price-normalized earnings) ratios out of all companies reviewed. Each company has been determined to be suitable for the Enterprising Investor and undervalued according to the ModernGraham approach.
5 Undervalued Mid-Cap Stocks for Value Investors
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've screened more than 800 companies to select five undervalued mid-cap stocks for value investors. Each company has been determined to be suitable for either the Defensive Investor or the Enterprising Investor according to the ModernGraham approach. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk.
10 Undervalued Companies for the Defensive Investor
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've selected 10 undervalued companies. Each company has been determined to be suitable for the Defensive Investor according to the ModernGraham approach. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk. Enterprising Investors, on the other hand, can select companies that present a moderate (though still low) amount of risk.
10 Stocks Below Their Graham Number
One popular approach to investing based on Benjamin Graham's methods is to use the "Graham number." There are some important differences between the Graham number and the Graham formula, but the former is definitely useful even if it is just being used as a screening tactic. I've selected the best companies reviewed by ModernGraham which trade below their Graham number.
5 Undervalued Stocks for Value Investors With a High Beta
There are a number of great companies in the market today. By using the ModernGraham valuation model, I've selected five undervalued companies with the highest beta. A company's beta indicates the correlation at which its price moves in relation to the market. A beta greater than 1 indicates a company is more volatile than the market. Each company has been determined to be suitable for the Defensive Investor or the Enterprising Investor according to the ModernGraham approach.
10 Most Overvalued Stocks of the S&P 500
There are a number of great companies in the market today, but there are also a number of companies that are vastly overvalued. Using the ModernGraham valuation model, I've selected the 10 most overvalued companies of the S&P 500. These companies are not suitable for the Defensive Investor or the Enterprising Investor.
10 Undervalued Companies for the Defensive Dividend Stock Investor
There are a number of great companies in the market today. I've selected the highest dividend yields among the undervalued companies for defensive dividend stock investors reviewed by ModernGraham. Each company has been determined to be suitable for the Defensive Investor according to the ModernGraham approach. Defensive Investors are defined as investors who need to select only the companies that present the least amount of risk.
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