Latest news with #AmericanFamily
Washington Post
06-07-2025
- Washington Post
Russia's ‘anti-woke' visa lures those fearing a moral decline in the West
In a brightly lit conference room of a Moscow police department, a smiling officer flanked by Russian flags and gilded double-headed eagles handed over small blue booklets to an American family of five — asylum certificates granting them the right to live and work in Russia after fleeing Texas because they felt their way of life was under threat.
Yahoo
26-06-2025
- Business
- Yahoo
Bowhead Specialty Holdings Inc. (BOW): A Bull Case Theory
We came across a bullish thesis on Bowhead Specialty Holdings Inc. (BOW) on Stock Analysis Compilation's Substack. In this article, we will summarize the bulls' thesis on BOW. Bowhead Specialty Holdings Inc. (BOW)'s share was trading at $36.84 as of 16th June. BOW's trailing and forward P/E were 26.17 and 18.8 respectively according to Yahoo Finance. A close-up image of an insurance policy with hands standing firmly on top, conveying security. Bowhead Specialty Holdings (BOW) is emerging as a high-growth contender in the specialty insurance market, specifically within the Excess and Surplus (E&S) segment, by blending traditional underwriting craftsmanship with innovative, technology-driven distribution. The company addresses complex, bespoke risks through its 'craft' approach while simultaneously expanding into the 'flow' business with Baleen, a recently launched platform designed to underwrite smaller, harder-to-place risks using digital automation. This dual strategy allows BOW to scale efficiently while maintaining underwriting discipline. A critical enabler of Bowhead's growth is its strategic partnership with American Family (AmFam), which provides access to AmFam's 'A' rating. This affiliation enhances BOW's market credibility and capital efficiency, helping it secure business it might not otherwise win as a standalone entity. BOW is also well-positioned to benefit from the current favorable pricing environment in E&S, while avoiding the drag of legacy underwriting liabilities, given its recent inception. Although the company's underwriting margins are still maturing, a significant portion of its earnings is currently driven by net investment income. However, as premium volume scales and the Baleen platform ramps up, margin expansion could become a powerful lever for long-term earnings growth. The business model is designed for both top-line acceleration and improved profitability, offering the potential for rising EPS and book value per share. These dynamics, combined with the scarcity of scaled specialty insurers and growing investor interest in the space, make BOW a compelling opportunity. Should the company execute well, it could command premium valuation multiples and deliver attractive returns to shareholders. Previously, we covered a on Lemonade (LMND) by Antonio Linares, emphasizing its AI-native insurance model and improving loss ratios. The thesis on Bowhead Specialty (BOW) complements this by highlighting another insurance disruptor, though BOW leverages underwriting craft and tech-enhanced distribution, not AI-first infrastructure. Both target efficiency at scale and margin expansion, but BOW offers near-term profitability while Lemonade remains a high-risk, high-reward AI flywheel in formation. Bowhead Specialty Holdings Inc. (BOW) is not on our list of the 30 Most Popular Stocks Among Hedge Funds. As per our database, 25 hedge fund portfolios held BOW at the end of the first quarter which was 27 in the previous quarter. While we acknowledge the risk and potential of BOW as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an extremely cheap AI stock that is also a major beneficiary of Trump tariffs and onshoring, see our free report on the best short-term AI stock. READ NEXT: 8 Best Wide Moat Stocks to Buy Now and 30 Most Important AI Stocks According to BlackRock. Sign in to access your portfolio
Yahoo
10-05-2025
- Lifestyle
- Yahoo
Nostalgia for the Early Days of Parenting
This is an edition of The Wonder Reader, a newsletter in which our editors recommend a set of stories to spark your curiosity and fill you with delight. Sign up here to get it every Saturday morning. Older parents are constantly telling those in the early days to cherish it: It goes by in a flash. But that can be very hard advice to follow when you're in the thick of it, as Stephanie H. Murray wrote in 2022. Ultimately, all a parent can do is 'keep an eye out for the precious moments amid the tumult and chaos,' one mother Murray spoke with told her. 'Do what you can to imprint them in your memory—write them down, or share them with friends. Collect them like gems, so that when your arms are finally free and your eyes are a little clearer, you can turn them over in your hand.' Today's reading list explores both the gems and the challenges of parenting. On Parenthood Why We Long for the Most Difficult Days of Parenthood By Stephanie H. Murray Older parents are always telling parents of young children to cherish every second; it will be gone in a flash. But it's very difficult advice to follow in the thick of it. Read the article. Why Dad's Side of the Family Tends to Miss Out By Chiara Dello Joio Many people have stronger bonds with their maternal relatives. Why? Read the article. A Shift in American Family Values Is Fueling Estrangement By Joshua Coleman Both parents and adult children often fail to recognize how profoundly the rules of family life have changed over the past half century. Read the article. Still Curious? American family life should not be this volatile: Welcome to the age of tremors, Elliot Haspel wrote in 2023. A totally unnecessary way to stress parents out: Julie Beck on the tyranny of school spirit days Other Diversions The not-at-all-funny life of Mark Twain We're all living in a Carl Hiaasen novel. An old-school pitching coach says I told you so. P.S. I recently asked readers to share a photo of something that sparks their sense of awe in the world. Ari sent this photo of a lotus pond in bloom in Bali. I'll continue to feature your responses in the coming weeks. If you'd like to share, reply to this email with a photo and a short description so we can share your wonder with fellow readers in a future edition of this newsletter or on our website. Send us the original, unedited photos from your phone or camera as JPGs—no cropping or shrinking is needed. Please include your name (initials are okay), age, and location. By doing so, you agree that The Atlantic has permission to publish your photo and publicly attribute the response to you, including your first name and last initial, age, and/or location that you share with your submission. — Isabel Article originally published at The Atlantic
Yahoo
04-03-2025
- Politics
- Yahoo
America is at a cultural crossroads and must choose between a pro-family or pro-'progress' agenda
EXCLUSIVE - The United States is facing a cultural inflection point when it comes to values regarding marriage, childbearing, divorce, cohabitation and abortion, according to a recent report from The Heritage Foundation. Despite the fact that research shows children raised by their married, biological parents have better outcomes, that hasn't been the trend in American life in recent decades. Heritage scholars Delano Squires and Rachel Sheffield conducted a deep dive into the state of the American family in their new report titled "Crossroads: American Family Life at the Intersection of Tradition and Modernity." In the study, they argue through their research, that the nation is at a crossroads, with one path marked by declining marriage, low birth rates, high unwed childbearing, casual divorce and the rejection of biological sex, while the other path promotes marriage, childbearing and the understanding that children do best when raised by their married biological parents. The report cited data that found Americans are getting married less and later, fewer children are being born, but more are born outside marriage, more couples are cohabitating, marriage and family are no longer priorities and that American singles are faced with a "connection conundrum." "A nation that rejects the importance of stable marriages and strong families for its well-being weakens its ability to pass on the blessings of prosperity to future generations," the report reads. "This is the reality that Americans face today, and the direction they take now will determine the health and survival of the republic." Pro-life States Consider Abortion Exceptions In Cases Of Fatal Fetal Anomalies Sheffield told Fox News Digital that, despite technological advances, the U.S. is more disconnected now as a nation because of the decline in family formation and marital stability. Read On The Fox News App Marriage rates in the U.S. continue to decline, with married couples making up just 47% of households today as compared to 78% in 1950, which was irrespective of race, religion, or socioeconomic status. Now, 40% of children are born outside of marriage and the overall birth rate is at a record low. "Forty percent of children are born to single mothers today, and nearly two-thirds of births to those single mothers are to women who are cohabiting with a romantic partner (either the child's father or another romantic partner) at the time of the child's birth," the study cites. "Thus, about a quarter of U.S. children live in a cohabiting parent household at some point in their lives." Additionally, more adults aged 18 to 44 have cohabited, 59%, than have been married, 50%. Most cohabitation relationships end in a break-up and while they may anticipate marriage in the future, this often does not happen, the report states. "Approximately half of cohabiting parents who have a child together break up by the time their child turns three, compared to just 13 percent of married parents," the study continues. "By age 12, two-thirds of cohabiting parents have broken up, compared to one-quarter of married parents." Data Shows Texas Doctors Perform Abortions To Save Life Of The Mother, Despite Claims From Politicians, Media For those that do get married, the median age for a first marriage has gone up by about eight years for women and about seven years for men. "More Americans today have cohabited, so lived together outside of marriage with a romantic partner, than have been married," Sheffield said. "As we continue to see the rates of the age of first marriage increase and marriage decline, we'll just have fewer people married." In tandem, the total fertility rate has decreased from 3.65 in 1960 to 1.62 in 2023, with many couples simply choosing not to have kids. Over 40% of respondents aged 18 to 49 said they are unlikely to ever have children, according to a Pew Research Center survey from 2021. Some people said they simply didn't want to have children, while other reasons included medical issues, finances, no partner and age, as well as "the state of the world" and climate change. Sheffield said leaders in the lives of children and young adults need to equip them with the skills they need to have healthy marriages. "Most people still do want to get married, but not knowing how to get there," she said. "Particularly for those in lower income and working class America, where we're seeing the most family breakdown, having models of that, having the vision and knowing how to do that has also declined." Squires agreed, arguing that a big part of fixing the decline in the value placed on the nuclear family is raising awareness, including getting public officials to see this as something that is worthy of their time and attention, even if it doesn't mean that a new law is going to be passed. "The bully pulpit is extremely powerful and very effective as it relates to declaring public virtue and public values," Squires said. "I think messengers in this area need to promote the belief that marriage is valuable, desirable, accessible, and indispensable for the purpose of starting a family both of this generation and to future generations." The decline in marriage is also attributable to what Sheffield and Squires call the "connection conundrum." "One of the greatest factors associated with happiness is having a healthy marriage, and we talk about this loneliness epidemic in society and really a lot of that is related to the decline in marriage," she said. America's Progressive Cities Are Increasingly Childless, Report Finds: 'Family-exodus Doom Loop' Given the ubiquity of smartphones and social media, in theory it should be much easier for people to connect, but Squires said singles are finding it even harder to meet people now than in decades past. "While there's the illusion that people are more connected, that online connection is not translating into real-life connection," he said. "In some ways, I would argue that technology makes it even harder to find a spouse because the apps are not geared towards marriage, they're geared towards short term relationships, if even that." "There's this notion that we've reached sort of the pinnacle of progress, but there's nothing holding any of the things that we currently see as this progress, in terms of family formation, holding them in their place in perpetuity," he added. If America continues on its current trajectory, Squires said family life is going to be more complicated and complex as families will be fractured, fewer kids will grow up with a dad and singles will find it increasingly difficult to meet one another. "What you're going to see is family trees that are all jumbled to put it nicely and, eventually, you're going to have a situation where people are not even going to know who their parents are and if you're in a large town or a small city, you're going to have kids who end up dating their half sibling's, half sibling eventually," he said. "I don't think that this is a pretty picture and this is not sort of doom and gloom, but it's taking an honest assessment of what the data tell us right now." Click To Get The Fox News App Squires stressed the fact that even though conversations around marriage and family are often framed in partisan terms, he and Sheffield see this as a bipartisan issue. "These are changes that are societal changes and not just unique to one particular party or one particular political ideology," he article source: America is at a cultural crossroads and must choose between a pro-family or pro-'progress' agenda
Fox News
04-03-2025
- Politics
- Fox News
America is at a cultural crossroads and must choose between a pro-family or pro-'progress' agendaa
EXCLUSIVE - The United States is facing a cultural inflection point when it comes to values regarding marriage, childbearing, divorce, cohabitation and abortion, according to a recent report from The Heritage Foundation. Despite the fact that research shows children raised by their married, biological parents have better outcomes, that hasn't been the trend in American life in recent decades. Heritage scholars Delano Squires and Rachel Sheffield conducted a deep dive into the state of the American family in their new report titled "Crossroads: American Family Life at the Intersection of Tradition and Modernity." In the study, they argue through their research, that the nation is at a crossroads, with one path marked by declining marriage, low birth rates, high unwed childbearing, casual divorce and the rejection of biological sex, while the other path promotes marriage, childbearing and the understanding that children do best when raised by their married biological parents. The report cited data that found Americans are getting married less and later, fewer children are being born, but more are born outside marriage, more couples are cohabitating, marriage and family are no longer priorities and that American singles are faced with a "connection conundrum." "A nation that rejects the importance of stable marriages and strong families for its well-being weakens its ability to pass on the blessings of prosperity to future generations," the report reads. "This is the reality that Americans face today, and the direction they take now will determine the health and survival of the republic." Sheffield told Fox News Digital that, despite technological advances, the U.S. is more disconnected now as a nation because of the decline in family formation and marital stability. Marriage rates in the U.S. continue to decline, with married couples making up just 47% of households today as compared to 78% in 1950, which was irrespective of race, religion, or socioeconomic status. Now, 40% of children are born outside of marriage and the overall birth rate is at a record low. "Forty percent of children are born to single mothers today, and nearly two-thirds of births to those single mothers are to women who are cohabiting with a romantic partner (either the child's father or another romantic partner) at the time of the child's birth," the study cites. "Thus, about a quarter of U.S. children live in a cohabiting parent household at some point in their lives." Additionally, more adults aged 18 to 44 have cohabited, 59%, than have been married, 50%. Most cohabitation relationships end in a break-up and while they may anticipate marriage in the future, this often does not happen, the report states. "Approximately half of cohabiting parents who have a child together break up by the time their child turns three, compared to just 13 percent of married parents," the study continues. "By age 12, two-thirds of cohabiting parents have broken up, compared to one-quarter of married parents." For those that do get married, the median age for a first marriage has gone up by about eight years for women and about seven years for men. "More Americans today have cohabited, so lived together outside of marriage with a romantic partner, than have been married," Sheffield said. "As we continue to see the rates of the age of first marriage increase and marriage decline, we'll just have fewer people married." In tandem, the total fertility rate has decreased from 3.65 in 1960 to 1.62 in 2023, with many couples simply choosing not to have kids. Over 40% of respondents aged 18 to 49 said they are unlikely to ever have children, according to a Pew Research Center survey from 2021. Some people said they simply didn't want to have children, while other reasons included medical issues, finances, no partner and age, as well as "the state of the world" and climate change. Sheffield said leaders in the lives of children and young adults need to equip them with the skills they need to have healthy marriages. "Most people still do want to get married, but not knowing how to get there," she said. "Particularly for those in lower income and working class America, where we're seeing the most family breakdown, having models of that, having the vision and knowing how to do that has also declined." Squires agreed, arguing that a big part of fixing the decline in the value placed on the nuclear family is raising awareness, including getting public officials to see this as something that is worthy of their time and attention, even if it doesn't mean that a new law is going to be passed. "The bully pulpit is extremely powerful and very effective as it relates to declaring public virtue and public values," Squires said. "I think messengers in this area need to promote the belief that marriage is valuable, desirable, accessible, and indispensable for the purpose of starting a family both of this generation and to future generations." The decline in marriage is also attributable to what Sheffield and Squires call the "connection conundrum." "One of the greatest factors associated with happiness is having a healthy marriage, and we talk about this loneliness epidemic in society and really a lot of that is related to the decline in marriage," she said. Given the ubiquity of smartphones and social media, in theory it should be much easier for people to connect, but Squires said singles are finding it even harder to meet people now than in decades past. "While there's the illusion that people are more connected, that online connection is not translating into real-life connection," he said. "In some ways, I would argue that technology makes it even harder to find a spouse because the apps are not geared towards marriage, they're geared towards short term relationships, if even that." "There's this notion that we've reached sort of the pinnacle of progress, but there's nothing holding any of the things that we currently see as this progress, in terms of family formation, holding them in their place in perpetuity," he added. If America continues on its current trajectory, Squires said family life is going to be more complicated and complex as families will be fractured, fewer kids will grow up with a dad and singles will find it increasingly difficult to meet one another. "What you're going to see is family trees that are all jumbled to put it nicely and, eventually, you're going to have a situation where people are not even going to know who their parents are and if you're in a large town or a small city, you're going to have kids who end up dating their half sibling's, half sibling eventually," he said. "I don't think that this is a pretty picture and this is not sort of doom and gloom, but it's taking an honest assessment of what the data tell us right now." Squires stressed the fact that even though conversations around marriage and family are often framed in partisan terms, he and Sheffield see this as a bipartisan issue. "These are changes that are societal changes and not just unique to one particular party or one particular political ideology," he said.
