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Daily Signal Feed
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7 w

Prayer Works, According to Science
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Prayer Works, According to Science

The role of prayer in civil society has emerged in the wake of the Annunciation Catholic School shooting, and this may be a blessing of sorts amidst the tragedy. This is because scientific research has shown time and again that religious faith and the practice of prayer check pathologies and improve quality of life on almost every level.  However, politicians and commentators belittled “thoughts and prayers” as ineffective in preventing other mass killings. Others, from Vice President JD Vance to Bishop Robert Barron to Franciscan University, were quick to emphasize prayer’s importance in moments of anguish and darkness. The U.S. Department of Homeland Security even tweeted, “Pray without ceasing.” Both, in some sense, recognize a deep societal sickness has gripped America’s youth for decades, albeit reaching different conclusions. Yet the precipitous rise in anxiety and depression among younger demographics has been coupled with the collapse of regular prayer and religious practice. This should not go unnoticed: the stock of scientific evidence shows prayer produces psychological benefits, reducing stress, loneliness, and fear, as well as increased connection to community. Religious people often live longer too. In short, those who pray are generally happier. In extreme cases, a lack of spiritual purpose and practice can contribute to isolation and pathologies culminating in self-harm and hatred and violence toward others. Robert “Robin” Westman—the transgender Minnesota shooter—is such a case. His manifesto reveals a twisted spiritual battle, even so far as depicting his reflection as a demon.  Prayer, however, is not a simple psychological activity, ritual words and postures, or an irrational “neurosis” as Sigmund Freud asserted—but physically, emotionally, and spiritually efficacious with wider implications for an individual and society at-large.  In a religious context, prayer is conversing with God Himself. It allows space to not only offer intentions and discern His will for our lives, but to draw strength for the spiritual battle against Satan and the principalities of darkness, as the Catechism of the Catholic Church states. Indeed, the practice is a “vital necessity” for the soul, in which one deepens their relationship with Him.  Detractors, however, would want us to believe otherwise—and the Devil applauds.  Indeed, since the new millennium, fewer Americans are praying. A 2025 Pew Research Center survey found that 44% of people pray each day, which is a decline from 2007, when 58% prayed at least once a day. The report suggests the rise in religious unaffiliates—or “nones”—and the decline of “self-reported frequency of prayer” among Catholics and Christians are the main factors in waning worship. However, for decades, young teens have not only been influenced by the New Atheists, poor catechesis, and mass apostasy due in part to the horrific clerical sexual abuse scandal, but a lax religiosity known as moral therapeutic deism. In Christian Smith’s Soul Searching: The Religious and Spiritual Lives of American Teenagers (2005), he argues that “religion is widely practiced and positively valued by teens, but also de-prioritized and very poorly understood by them.” This belief system affirms adopters to be nice; that God exists to make one feel good; God is distant; all good people go to heaven; and to not act evil.  Spiritual rigor, therefore, is deemed unnecessary. But God is not merely a spiritual ATM, as Father Mike Schmitz—host of “The Bible in A Year” podcast—emphasizes. Moreover, worldly ambitions and pleasures cannot sustain us, failing to fill the “infinite” caverns of our hearts, which St. John of the Cross describes. Only God can do so since He is infinite.  Yet the past few years have wrought particularly hard circumstances: the pandemic, voluminous social media and pornography usage, anxiety toward artificial intelligence, widening polarization, cultural unrest, and an increasingly unattainable American Dream.  But even in the midst of those worldly plights, God—who is love itself—gives our lives meaning; and prayer is the avenue to approach Him. Certainly, once can surmise Westman—who clearly endured mental and spiritual illnesses—shunned prayer when it mattered most. In the end, he lost the spiritual fight.  Thankfully, Generation Z and millennials are beginning to realize prayer’s importance through consistent religious practice. Young adults have flocked to the Catholic Church in order to find purpose and stand athwart the “cultural drift,” according to the New York Post. Indeed, young adults are “now the most regular churchgoers, outpacing older generations, who once formed the backbone of church attendance,” according to a recent Barna study.  In the wake of mass shootings, policymakers and media personnel often advocate for gun or mental health reforms. While these may be well-intentioned, they mask the persistent underlying “happiness crisis” confronting Americans. Beyond the physical realities, as scientific studies have demonstrated, prayer’s metaphysical and spiritual fruits are more transformative to mind, body, and soul, deepening our filial trust in our Creator. In prayer, we know God loves us—even in the darkest trials of life.  That, in turn, impacts how one participates in and engages with civil society, which religiously affiliated persons are more inclined to do. In the spiritual battle for America’s soul, we should not ignore science: prayer is necessary to combat the social ills of the age in order to build a more vibrant, connected society. Unlike what some commentators suggest, the United States needs a resurgence of prayer—not less. The empirical evidence proves as much. Instead, we should seek His wisdom; recognize the spiritual war we are all engulfed in; and strive to do His will. May the victims of the Annunciation shooting be with the Almighty God. May God bless our politicians and commentators. And may we reignite a spirit of prayer—and pray without ceasing. Originally published by RealClearReligion. We publish a variety of perspectives. Nothing written here is to be construed as representing the views of The Daily Signal. The post Prayer Works, According to Science appeared first on The Daily Signal.
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Hot Air Feed
Hot Air Feed
7 w

Obama: Yes on Mamdani. Yes on Reparations?
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Obama: Yes on Mamdani. Yes on Reparations?

Obama: Yes on Mamdani. Yes on Reparations?
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The Blaze Media Feed
The Blaze Media Feed
7 w

84-month car loans: Smart move or financial trap?
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84-month car loans: Smart move or financial trap?

Car buying has never been more complicated — or more expensive. The average new car price has climbed to nearly $49,000, compared to just under $34,000 a decade ago, according to Kelley Blue Book. That kind of sticker shock leaves many buyers asking: “How can I possibly afford this?”Dealers are quick to provide an answer: the 84-month car loan.For years, the buyer will owe more than the vehicle is worth. If they try to sell or trade in the car, they’ll need to pay the bank just to get out of the loan. It sounds simple at first, but it’s a trap. Spread across seven years, the monthly payments shrink to a number that feels manageable to most people. A $50,000 vehicle suddenly seems affordable when the cost is sliced into smaller installments, but is this really a smart solution, or does it carry consequences that can trap buyers in years of financial frustration? No accidentThe rise of 84-month loans is no accident. Dealerships benefit enormously from pushing buyers into longer financing terms. Smaller monthly payments make it easier for salespeople to convince customers to move up to pricier trims, tack on optional packages, or select luxury features that would otherwise be out of reach. For the financing office, stretching out the term makes it easier to close deals with so-called payment shoppers — those who focus only on whether they can afford the monthly bill, not the total cost of the vehicle. In addition, a lower monthly car payment improves the buyer’s debt-to-income ratio, which helps more customers qualify for loans they might not have secured under traditional 36-month terms.On the surface, this seems like a win-win arrangement. The buyer gets the car they want at a payment they can afford, while the dealer locks in a bigger sale. But what feels like an opportunity on day one quickly becomes a burden as the true cost of the loan takes shape. And in the end, you will pay a bigger price.Costly trade-offWhy? The most obvious issue is interest you pay. When a car loan stretches across seven years, there are far more months for interest charges to accumulate. Only the finance company wins. Consider a buyer who finances $40,000 at 7% interest with a traditional 60-month loan — they’ll pay roughly $7,500 in interest. With an 84-month loan, that interest expense number climbs to more than $10,700. In other words, the buyer pays over $3,000 more for the privilege of lowering their monthly bill. For most households, that’s a costly trade-off. And higher interest rates themselves don’t remain equal. Lenders know that a seven-year loan carries more risk than a five-year loan, so the rate is higher. Over that longer period, economic conditions could change, inflation could rise, or the borrower’s financial situation could deteriorate. To protect themselves, banks and credit unions often attach higher rates to longer loans. That means buyers aren’t just paying interest for more years — they’re paying higher interest rates, and the only one that makes out is the financial institution.RELATED: Introducing 'Quick Fix': Practical answers to all your car questions Blaze MediaMuch depreciatedThe financial pitfalls don’t stop there. Vehicles are depreciating assets. The moment a new car leaves the dealership, it loses about 20% of its value. Within the first year, that loss can climb to 30%. With long-term loans, the first several years of payments go mostly toward interest, with very little progress made on the loan principal. The result is what’s known as negative equity, or being “upside down.” For years, the buyer will owe more than the vehicle is worth. If they try to sell or trade in the car, they’ll need to pay the bank just to get out of the loan. This forces you to keep the vehicle for a longer period of time or take the big financial penalty.Warranty warningThis problem is compounded by warranties. Most new vehicles come with a bumper-to-bumper warranty that lasts three years or 36,000 miles, and a powertrain warranty that typically extends to five years or 60,000 miles. Those timelines don’t come close to covering a seven-year loan. That means a buyer still making monthly payments could face a transmission or engine failure with no warranty protection. They would be paying for expensive repairs on top of paying down the car itself, a double hit that can wreck household budgets. And these extended warranty companies are not worth the money either, which would increase your monthly payment on top of the car payment.With prices rising for both new and used vehicles, long loan terms are more than just a temptation — they are, for many families, the only way to fit a car payment into the monthly budget. But while the appeal is easy to see, the long-term risks are just as clear. Stretching a loan to seven years often leaves buyers paying thousands more in interest, trapped in negative equity, and financially vulnerable if their circumstances change. In the event of job loss, medical bills, or an unexpected expense, they may be stuck with a car they can’t afford to keep but also can’t afford to sell.Making it make senseThis doesn’t mean long-term loans are never justified. There are a few situations where they can make sense. Some automakers offer 0% financing for qualified buyers, which eliminates the concern over accruing interest. Others may find themselves on a fixed budget where the choice is either a longer loan or no car at all. And in cases where a buyer plans to keep a reliable, higher-quality vehicle for a decade or more, the extra interest paid over time may balance out in the long run. You have to be honest and consider the true costs. Still, for the majority of consumers, financial experts consistently recommend avoiding 84-month loans. The smarter move is to aim for 48- or 60-month loan terms, which not only save on interest but also keep buyers closer to a car’s actual value throughout the life of the loan. Car shoppers should also consider more affordable vehicles, make larger down payments, or explore certified pre-owned options to keep their finances in check.Cars may be getting more expensive, but debt traps don’t have to be part of the deal. Buyers who look beyond the monthly payment and focus instead on the total cost of ownership will be far better positioned to protect both their wallets and their peace of mind.The finance manager at any dealer is going to try and close the sale. That’s their job. Yours is to understand just what you’re getting into when you sign a long-term loan.
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Twitchy Feed
Twitchy Feed
7 w

They're Coming for Your Kids: New Jersey to Force DEI Curriculum on Homeschoolers
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They're Coming for Your Kids: New Jersey to Force DEI Curriculum on Homeschoolers

They're Coming for Your Kids: New Jersey to Force DEI Curriculum on Homeschoolers
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NEWSMAX Feed
NEWSMAX Feed
7 w

Poll: Majority Oppose Trump's National Guard Deployment
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Poll: Majority Oppose Trump's National Guard Deployment

Most Americans - 57% - oppose President Donald Trump deploying the National Guard to Washington, D.C., according to a CBS/YouGov poll released on Sunday.
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Science Explorer
Science Explorer
7 w

Binge-Watching Might Actually Be Good for You, Study Finds
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scitechdaily.com

Binge-Watching Might Actually Be Good for You, Study Finds

Binging a good show or book can spark your imagination and help you get through tough times. If you enjoy binge-watching, chances are you have told yourself, “Just one more episode,” more times than you can count. While it is often criticized as an unhealthy habit, new research from the University of Georgia suggests that [...]
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YubNub News
YubNub News
7 w

Israel’s Ramon Airport Hit by Houthi Drone Attack from Yemen
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Israel’s Ramon Airport Hit by Houthi Drone Attack from Yemen

A Houthi drone strike targeted Ramon Airport in Israel, causing panic, injuring passengers, and damaging parts of the airport. The reports indicate that two people were hurt, and some suffered panic attacks.…
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YubNub News
YubNub News
7 w

JD Vance Defends Cartel Strike, Shrugs Off War Crime Accusations
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yubnub.news

JD Vance Defends Cartel Strike, Shrugs Off War Crime Accusations

Vice President JD Vance clashed on social media with anti-Trump activist Brian Krassenstein after a U.S. military strike killed 11 suspected cartel traffickers. When Krassenstein accused the administration…
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YubNub News
YubNub News
7 w

It Is “The Toughest Time In Years” To Be Looking For A Job In The U.S. – One 64-Year-Old Man Has Been Waking Up At 3 AM To Search For Work And Can’t Find Anything
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It Is “The Toughest Time In Years” To Be Looking For A Job In The U.S. – One 64-Year-Old Man Has Been Waking Up At 3 AM To Search For Work And Can’t Find Anything

Are we defined by what we do?  For so many of us, our identities are tied to our occupations.  For example, when I worked in the legal field many years ago so many of my colleagues took great…
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YubNub News
YubNub News
7 w

It Is “The Toughest Time In Years” To Be Looking For A Job In The U.S. – One 64-Year-Old Man Has Been Waking Up At 3 AM To Search For Work And Can’t Find Anything
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yubnub.news

It Is “The Toughest Time In Years” To Be Looking For A Job In The U.S. – One 64-Year-Old Man Has Been Waking Up At 3 AM To Search For Work And Can’t Find Anything

Are we defined by what we do?  For so many of us, our identities are tied to our occupations.  For example, when I worked in the legal field many years ago so many of my colleagues took great…
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