Coleen Nolan celebrates baby joy with new family addition – ‘I’m almost lost for words’

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https://uk.news.yahoo.com/coleen-nolan-celebrates-baby-joy-095112710.html

Firefighters urged mass Altadena evacuations. It took three hours for command center to act

The Eaton fire was cutting a destructive path into Altadena and parts of northern Pasadena just before midnight on Jan. 8 when some fire officials urged more widespread evacuations.

With home after home going up in flames, several Los Angeles County firefighters on the ground suggested to incident commanders that the rest of the nearby foothill communities—from Altadena west into La Cañada Flintridge—be evacuated. Most of east Altadena had been evacuated, but residents on the west side had not yet been told to flee. They were not even under an evacuation warning.

For unknown reasons, it took another three hours, and in some cases even longer, for officials to issue west Altadena mandatory evacuation orders. By then, homes in the area were on fire, and residents were in danger, as embers rained down on streets and smoke filled bedrooms and obscured sight lines.

In the end, all but one of the 19 people who died in the Eaton fire were found in this section of Altadena.

### Evacuation Delays Raise Questions

The evacuation recommendation, revealed in county documents released last month, raises new questions about the L.A. County Fire Department’s handling of the Eaton Fire.

County Supervisor Kathryn Barger, who represents Altadena, conceded this week that the county fire department was responsible for what she called “a gap” between when evacuation alerts were needed and when they were actually ordered.

“That was where the breakdown was,” Barger told The Times. “There was a gap there.”

West Altadena received its first evacuation order at 3:25 a.m., four hours after 911 callers started reporting smoke and flames in the area. Some parts of west Altadena weren’t evacuated until just before 6 a.m.

The Times first reported in January the disparity between when the fire threatened west Altadena and when residents were ordered to leave.

### Official Reports and Findings

Barger pointed specifically to the period from 1:12 a.m. to 3 a.m., when the Office of Emergency Management received no direction to send out evacuation alerts—a finding from the after-action report on evacuations.

That report, conducted by the McChrystal Group at the request of county supervisors, found that during that time period “ember cast from the main fire and from downed power lines caused spot fires west of Lake Avenue after midnight on Jan. 8 and accelerated in the following hours.”

Lake Avenue is the unofficial divider between east and west Altadena. It’s historically significant since the avenue served as a discriminatory redlining boundary for home loans in the early 20th century and confined Black homebuyers to western neighborhoods.

The population of east Altadena, which received evacuation orders within an hour of the Eaton fire’s ignition, remains much whiter than that of unincorporated neighborhoods to the west.

### Responses from Fire Department and Officials

L.A. County Fire Chief Anthony Marrone declined to be interviewed for this story. However, agency spokesperson Heidi Oliva said Marrone “is committed to ensuring the Department continues to improve for future fires.”

In response to questions about whether the department should be considered at fault for the delayed evacuation alerts, Oliva only said that the department “agrees with Supervisor Barger that Unified Command makes and executes evacuation decisions.”

### Unified Command Structure and Challenges

A unified command structure is typically how California officials respond to major fires, with several agencies joining forces.

During the first hours of the Eaton fire, L.A. County Fire was one of the main agencies responding but formed a unified command with other local fire agencies, including from Pasadena and the Angeles National Forest, as well as other first responder agencies, including the Los Angeles Sheriff’s Department and Office of Emergency Management.

Oliva did not directly answer questions about why the pre-midnight evacuation recommendation from staff in the field wasn’t acted upon. Instead, she pointed to the “massive, unprecedented natural disaster” that county fire officials faced that night, with the Eaton, Palisades, and Hurst fires all igniting the same day during severe winds that grounded aircraft for hours and limited situational awareness.

“Unified command did their very best to identify evacuation zones to be alerted based on the information available to them at that time,” Oliva said in a statement. “When unified command learned that the fire was seen north of Lake and moving west, it validated and acted to issue the orders that were sent out by OEM.”

### Unanswered Questions and Communication Issues

Oliva did not explain why it took hours for officials to realize the fire was threatening west Altadena, despite evidence from 911 calls, radio traffic, and the recommendation from firefighters in the field.

She did, however, say that the county fire department “is committed to continuing to learn and improve.” The agency has now made it a “best practice” to surround evacuation orders with evacuation warnings, something the McChrystal report recommended.

McChrystal investigators found out about the suggestion to enact more widespread evacuations just before midnight “during the interview process,” according to the report.

But the only other mention of this communication in the report says that “Unified Command staff did not recall this occurring and reported that the fire front of the Eaton Fire was not moving west into those areas at that time.”

### Missing Details and After-Action Report Insights

The Times requested more information about the evacuation recommendation, but the McChrystal Group declined to share anything beyond what was in the report. A request for related records to the county has not yet been filled.

Shawn Tyrie, a McChrystal Group partner who worked on the report, said in an interview that his team was unable to uncover any evidence about what happened to that pre-midnight recommendation.

While he didn’t want to speculate, he said there were many potential reasons that a call to evacuate may not have been acted upon, noting findings in the report of poor internet access, spotty cell service, short-staffing, and overall chaos during the unprecedented conflagration fueled by hurricane-force winds.

“It could have been a technical issue,” Tyrie said. “It could have been somebody got busy and didn’t push the right button. Who knows?”

### Complexity of Unified Command and Accountability

Part of the reason it has been so hard to pin down exactly what happened is the structure of that unified command. While the command structure is designed to encourage collaboration, it also divides responsibility and accountability, Tyrie said.

“It does leave responsibility and actual command authority as this kind of ambiguous thing,” Tyrie said, noting that this is a common practice across the country.

“There tends to be someone that’s running the incident command post. But there is really not even any room in the guidance in the county code to say that, definitively, Person X is in charge.”

While the report was not intended to assign blame for the delayed evacuation alerts, he said that task could be challenging if officials decide to go that route.

He said the “vast majority” of communication the night of the fire was through radio calls, text messages, or shared in person, with little note-taking.

“It’s difficult to go back and do a forensic audit of how was the decision-making actually made,” Tyrie said.

### Who Was Responsible for Evacuation Orders?

Though the report didn’t make clear why west Altadena got such late alerts, it detailed a process that put L.A. County Fire at the helm of the delayed evacuation alerts.

“For the Eaton Fire, the evacuation zones receiving evacuation warnings and orders were identified by LACoFD staff as part of Unified Command,” the report said. “They were then communicated to OEM.”

L.A. County has a contract with Genasys to send out its wireless emergency alerts, which ping cellphones within a designated geographical area.

The L.A. Sheriff’s Department was a part of unified command, but the report found that LASD officials were not “always initially aware in real time of what zones were designated for evacuation.”

### Ongoing Reviews and Looking Ahead

There are other ongoing reviews of the fire response, including a probe initiated by the governor which should have access to more data from a wider array of agencies, Barger said.

Only county agencies participated in the McChrystal after-action review, which was requested by L.A. County supervisors at a price tag of almost $2 million.

“There are still a lot of things that the community wants to better understand as it related to what went wrong,” Barger said. She hopes the independent review ordered by the state can provide more answers.

That review, which looks at the entire 2025 Los Angeles firestorm, is being conducted by UL Research Institutes’ fire safety research arm, according to the institute’s spokesperson, Natalie Haack. She said there wasn’t yet a release date for the findings, but Barger thought it could come in the next few weeks.

### Confidence in Preparedness

Still, Barger said she believes the county is better prepared to respond to wildfires, given all that has been learned since January.

“I am, 100%, confident that we are ready,” Barger said. “I do believe that the lessons learned have definitely helped to restructure from within an emergency management department that actually is going to meet the needs of the 10 million residents of L.A. County.”
https://www.latimes.com/california/story/2025-11-01/firefighters-urged-evacuations-three-hour-delay

Kahuku sweeps Kamehameha out of state tournament

Talia Soliai-Tui and Lamona Lauhingoa each recorded 10 kills as second-seeded Kahuku swept Kamehameha 29-27, 25-19, 25-21 to advance to the Division I final of the HHSAA Girls Volleyball State Championships.

Kahuku is the first OIA team to play in the state final since capturing the state title in 2002. The ILH has claimed every crown since then. Interestingly, the setter on that 2002 Kahuku team was Lesina (Funaki) Manutai, the current Lady Raiders head coach.

“That was a crazy week. We were in Hilo. We didn’t have a home crowd. Being there forced us to come together,” Manutai recalled. “Our outside hitter was Tuli, Tuli Peters.” Tuli Peters-Tevaga later coached at Kahuku, and now her former teammate has guided the Lady Raiders to the state final.

This match marked the second meeting of the season between the two squads. On August 23, Kahuku swept Kamehameha 25-12, 25-22 in the gold bracket final of the Hawaii Invitational at Kekuhaupio Gymnasium.

“The first time we played them everyone was one. We struggled a little bit this game, but I think we’re ready now,” said Soliai-Tui, a 5-foot-11 junior. “Our bench is a bunch of dogs. They’re always ready. We can do a lot better. This game wasn’t our best game.”

Kahuku will face top-seeded ‘Iolani in the 7 p.m. final today at the University of Hawaii’s Bankoh Arena at the Stan Sheriff Center.

“‘Iolani is good, but underdogs have to eat. Always,” Soliai-Tui added.

Kamehameha’s young squad has shown significant development since preseason, but Kahuku was prepared.

“They played really good defense. They scramble things. We got a lot of balls over and we didn’t necessarily take advantage of our opportunities,” Kamehameha coach Chris Blake said. “But a lot of that is because Kahuku put us into bad spots and we didn’t execute.”

OIA champion Kahuku (30-2) showcased a balanced attack once again. Makamae Schilling contributed eight kills and 13 digs, while Haley Kotobalavu added five kills. Ana Kaufusi recorded four kills and 2.5 blocks, and Elenoa Lauhingoa chipped in three kills. Setter Tilauana Tonga dished out 22 assists and added seven digs.

“Our plan was, they have really good outside hitters, so we wanted to slow them down, get some balls up and run our offense. And serve tough, get a strong start and finish strong,” Manutai explained. “I’m super proud of the kids for executing tonight.”

ILH runner-up Kamehameha (33-10), the two-time defending state champion, entered the last two tournaments unseeded as they did this year. However, Kahuku dominated with chemistry, experience, precision, and power.

Freshman Sauimoana Purcell led Kamehameha with 13 kills, while senior Kalaweloilehua Chock added 12. Kalamaku Crabbe contributed six kills and six digs, and middles Bella Amey and Kealoha Lyons chipped in four kills each. Setter Shaye Teves dished 21 assists, with Alayah Wilson adding 15 assists. Mikela Arellano led defensively with 13 digs. The Warriors hit .134 as a team against Kahuku’s stout defense.

“Hat’s off to the Kahuku team and their coaching staff. They played like the OIA champions that they are,” coach Blake acknowledged. “They definitely deserve this win. I’m very proud of our team, but hat’s off to Kahuku in all the things they have done in preparation. Good luck to them in the finals.”

The opening set was a back-and-forth battle, ending with Kahuku leading the match 1-0. It marked the first set lost by Kamehameha in a non-championship match over the past three state tournaments. The Warriors had swept their first three opponents in both 2023 and 2024, as well as Kapolei in the quarterfinals on Thursday.

After decisively taking the first two sets, Kahuku saw Kamehameha seize control in the third. The Warriors’ seven-point lead began to slip away just as Kahuku fans arrived—many coming from their football team’s OIA semifinal win over Campbell at Mililani High School to the Moanalua gym.

Key kills by Elenoa Lauhingoa and Lamona Lauhingoa brought the Lady Raiders within one point. Talia Soliai-Tui then tied the score at 17 with an ace. A tip kill by Lamona Lauhingoa gave Kahuku an 18-17 lead, and the Lady Raiders never looked back. Kahuku finished off the match with a roof block by Soliai-Tui and a right-side kill by Haley Kotobalavu.

Kahuku and ‘Iolani did not meet in preseason.

“We’re excited to see them for the first time in the state championship game. They looked really good here against Moanalua,” Manutai said. “Same game plan. They’ve got big outsides, a lot of big guns. If we can slow them down and run our offense, I think we have a chance.”

### Division II

**Seabury Hall 3, Maryknoll 0**

Milaniakai Padilla drilled 18 kills, hitting .326, while Dillon McLeelan added 14 kills as the third-seeded Spartans of Maui swept the ILH’s Maryknoll 26-24, 25-22, 28-26 in the semifinals of the HHSAA Girls Volleyball Division II State Championships at Kalani High School. Both Padilla and McLeelan are sophomores.

The Spartans will face Kapaa in the state final at 5 p.m. today in Bankoh Arena at the Stan Sheriff Center.

**Kapaa 3, University 0**
https://www.staradvertiser.com/2025/11/01/sports/hawaii-prep-world/kahuku-sweeps-kamehameha-out-of-state-tournament/

Crypto Whales Are Buying These 3 Tokens For Gains In November

The first day of the month is already revealing where crypto whales are placing their bets for gains in November. Across several tokens, major players are increasing their positions even as markets remain volatile. What stands out is how whales are moving differently across sectors, from privacy tokens to decentralized exchanges and even SocialFi projects—hinting at where early strength could surface this month.

### Railgun (RAIL)

Railgun has already crossed above the 50 EMA, confirming a shift toward bullish momentum. The 50 EMA is now approaching the 100 EMA, hinting that another crossover could trigger the next leg of the rally. If that “Golden” crossover completes, Railgun could target $5.01, a key psychological level, followed by $6.79.

However, $3.97 and $3.32 serve as crucial support areas and common rebound bases after rallies. A sustained move below $2.28 would invalidate this bullish structure and suggest that whale accumulation might pause.

For now, though, crypto whales seem convinced that Railgun could be one of the standout bets for potential gains in November.

### Aster (ASTER)

The second token crypto whales appear to be eyeing for potential gains in November is **Aster (ASTER)**. It is a next-generation decentralized exchange (DEX) built on the BNB Chain, offering both spot and perpetual trading across multiple chains.

After a quiet week in October, the Aster whales have turned active again at the start of November. Over the past 24 hours, whale holdings have increased by 11.98%, raising their total stash to 21.77 million ASTER. This means whales added nearly 2.33 million tokens, worth around $2.3 million.

Even top 100 addresses—the larger “mega whales”—saw a small but steady increase, confirming accumulation across both large and mid-sized wallets. ASTER is up 7% in the past 24 hours, even though it remains down about 10% for the week, suggesting whales might be positioning early for a rebound.

The price action supports that view. The ASTER price is trading inside a pennant-like pattern, a setup that often appears before strong directional moves. A 4-hour close above $1.06 would signal a breakout and could push prices toward $1.09 or even $1.22 if momentum builds.

However, a drop below $0.94 or $0.92 could invalidate the setup, opening room for a decline to $0.85. Since the lower pennant trend line has only two touch points, it remains a weaker support. Still, whales seem to be betting on the upside as ASTER trades closer to its breakout zone.

With growing accumulation and a tightening technical setup, Aster could be one of the stronger crypto whale bets for November gains if the breakout confirms.

### Pump.fun (PUMP)

While crypto whales snapped up Railgun and Aster in the last 24 hours, their accumulation of **Pump.fun (PUMP)**—a SocialFi project on Solana—has been going on quietly for a full week.

Pump.fun lets users easily create and launch meme coins on the Solana network. It is a trend that has generated significant social buzz and rapid rotations among small-cap traders.

Over the past seven days, whale balances have risen 11.84%, lifting their total stash to 17.13 billion PUMP. This means whales added around 1.81 billion tokens, worth close to $8.1 million.

The increase aligns with steady drops in exchange balances. All of that shows that most purchases are being moved off-exchange—a classic sign of conviction buying.

PUMP is up 10% in the past week and nearly 5% over the past 24 hours, indicating that whales have been buying into strength rather than fading the rally.

On the 12-hour chart, the PUMP price is forming a flag-and-pole pattern, which usually signals a pause before another breakout in the same direction. The token has tested both the upper and lower flag trendlines several times, typical for a volatile new asset consolidating after a rally.

A break above $0.0049 would confirm a bullish breakout, with short-term targets at $0.0053 and $0.0061. Based on the pole’s projection, a full breakout could push PUMP toward $0.0078, marking a 60% potential move.

If momentum stays strong, even the previous all-time high of $0.0088 could come into play. That way, a move beyond $0.0095 would mark a new record.

For now, whales appear to be front-running the breakout, steadily adding exposure while the market awaits confirmation. The bullish trend will lose effect if the 12-hour PUMP price candle closes under $0.0041.

Crypto whales’ movements this November suggest specific tokens could outperform amid ongoing market volatility. Railgun, Aster, and Pump.fun stand out as key projects where major holders are increasing positions, setting the stage for potential rallies in the weeks ahead. Stay tuned to see if these whale-driven bets pay off.
https://bitcoinethereumnews.com/crypto/crypto-whales-are-buying-these-3-tokens-for-gains-in-november/?utm_source=rss&utm_medium=rss&utm_campaign=crypto-whales-are-buying-these-3-tokens-for-gains-in-november

Owner Worried About Cats and Dachshund Getting Along, This is The Trio Now

A cat owner who always dreamed of having a dog wasn’t sure how her felines would react — but little did she know, there was nothing to fear.

In 2020, Lisa de Gunst became a cat owner when she got a ragdoll kitten named Belle. As time went by, she often felt bad that Belle was left alone, so she welcomed another feline into the fold: Alphie, a British shorthair. The cats quickly became the ultimate duo. Gunst, 33, told Newsweek that they were “completely inseparable.”

Despite how well the pair got along, something still felt missing for Gunst, who resides in The Netherlands. “My dream had always been to have a dog, but I just never really had the time for it before,” she said. “So, I just decided to go for it and get a dog, hoping he’d get along with the two cats.”

Earlier this year, Gunst brought home James, a 4-month-old dachshund puppy. It was certainly a nervous time for her, as she anticipated tension and non-stop conflict between the new puppy and her resident cats. But to her surprise, it was the total opposite.

Gunst shared, “The cats were really curious about him, and it felt as if he already belonged here. They often play together and sleep next to each other also. When the cats want to come inside, the dog always runs to the door to let me know so I can open it.”

Since his arrival, James has formed an undeniable bond with Belle and Alphie. Gunst often looks over and “melts every single time” she sees the trio together. Whether it’s sleeping, playing, or lavishing each other with kisses, the cats and puppy are inseparable all day long.

Like many pet owners, Gunst’s camera roll is filled with pictures and videos of the unexpected trio. She couldn’t resist sharing some of the clips on TikTok (@lisadegunst) to showcase their heartwarming bond to the internet. The online reaction has been incredible, with viewers captivated by the loving relationships between the pets.

Gunst hopes their story will show that cats and dogs don’t always have to be enemies. Despite being different species, they love each other endlessly. “I’m really happy they get along so well, it truly feels like a home full of love,” she told Newsweek.

At first, Gunst wasn’t in favor of getting cats or dogs from breeders because she recognized how many animals are in need of a loving home. “I’ve always wanted to adopt, and I’m still thinking about doing that someday,” she said.

“My biggest dream would be to give every animal a loving home like this trio has already,” she continued.
https://www.newsweek.com/owner-worried-about-cats-and-dachshund-getting-along-this-is-the-trio-now-10953781

Stablecoin issuers capture 75% of total crypto revenue

Stablecoin projects continue to dominate the crypto economy, capturing approximately 60% to 75% of total daily protocol revenues across major categories. Tether’s CEO, Paolo Ardoino, has even stated that the firm is on track to achieve $15 billion in profit this year, boasting an extraordinary 99% profit margin. This remarkable performance makes Tether one of the most profitable businesses globally on a per-employee basis.

### How Tether and Circle Generate Revenue

Tether and Circle invest user deposits in safe, yield-bearing assets, primarily U.S. Treasuries and cash, and retain the returns rather than sharing them with users. Stablecoins have become a vital source of cryptocurrency liquidity, widely used across exchanges, decentralized finance (DeFi) systems, and cross-border payment platforms. They offer greater stability compared to more volatile tokens like Bitcoin and Ethereum, making them essential tools for businesses and institutional investors for value transfer.

Stablecoin issuers earn revenue by generating interest on the assets backing their tokens. These safe investments provide a steady return while maintaining the stability that users expect.

### Regulatory Environment and the GENIUS Act

In July, the GENIUS Act was enacted to codify this principle, explicitly preventing authorized stablecoin issuers from distributing any form of yield to holders. Lawmakers designed this regulation to position payment stablecoins as cash-like instruments rather than investment vehicles.

Despite this, growing competition in the stablecoin market has pushed some projects to explore new methods of distributing value. For example, USDe has introduced a synthetic dollar model that provides immediate returns to holders. Additionally, users holding USDC on Coinbase can earn a 3.85% Annual Percentage Yield (APY). This innovative approach represents a creative challenge to the GENIUS Act’s prohibition on issuer-provided yields, signaling a shift in how return on investment (ROI) is generated and shared within the crypto community.

### BlackRock’s Growing Role in the Stablecoin Market

In a report released in late September, Citi analysts projected that stablecoin issuance could surge to $4 trillion by the end of the decade, up from approximately $280 billion today. Reflecting this growth, financial giant BlackRock has been increasing its involvement in the stablecoin space.

BlackRock has maintained a long-standing relationship with Circle, the second-largest stablecoin issuer, overseeing much of its reserve fund. Following Circle’s highly anticipated stock market debut in June, the company is exploring opportunities to offer reserve management services to other stablecoin issuers as well.

The firm’s BSTBL fund plays a critical role in BlackRock’s broader strategy to expand within digital finance. Jon Steel, global head of product and platform for BlackRock’s cash management business, told CNBC, “It represents an opportunity not just to help our clients if they’re looking to issue a stablecoin and how we can help them in doing that, but clearly this is going to create the potential for new distribution opportunities.”

The BSTBL fund is accessible to institutional investors, including pension funds and university endowments. Moreover, longer trading hours could benefit BlackRock’s clients, especially in the Western United States, by allowing them to manage daily cash flow and profit and loss (P&L) operations for a more extended portion of the business day.

BlackRock’s digital asset lineup already includes products based on Bitcoin and Ethereum, marking a significant step forward in their digital finance offerings.

Want your project featured in front of crypto’s top minds? Get included in our next industry report where data meets impact. Contact us today to learn more!
https://bitcoinethereumnews.com/crypto/stablecoin-issuers-capture-75-of-total-crypto-revenue/?utm_source=rss&utm_medium=rss&utm_campaign=stablecoin-issuers-capture-75-of-total-crypto-revenue

Malaysia’s Central Bank Launches Three-Year Plan to Test Asset Tokenization

**Bank Negara Malaysia Launches Three-Year Programme to Test Real-World Asset Tokenisation**

Bank Negara Malaysia (BNM) has initiated a pioneering three-year programme aimed at exploring real-world asset tokenisation. The newly released roadmap is designed to understand how blockchain-based tokenisation can transform Malaysia’s financial landscape, ranging from Islamic finance to supply chain management. Industry stakeholders are invited to provide feedback on the initiative until March 1, 2026.

### Malaysia’s 3-Year Plan for Tokenisation

BNM has published a Discussion Paper on Asset Tokenisation to gather insights and feedback from both the financial and technology sectors. The primary goal is to establish a **Digital Asset Innovation Hub** alongside an industry working group, which will collectively explore how tokenisation can be integrated into real-world financial systems.

The roadmap is structured as follows:

– **2026:** Focus on proof-of-concept and pilot testing to evaluate which applications are effective.
– **2027:** Expansion of pilots into larger trials based on initial findings and stakeholder input.
– **Ongoing:** BNM encourages ongoing feedback and suggestions for use cases, with the deadline set for March 1, 2026.

### Focus Areas and Selection Criteria

The working group will concentrate on several key use case areas, such as:

– **Supply Chain Finance:** Tokenisation can enhance transparency, improve traceability, and accelerate payment processes.
– **Islamic Finance:** Blockchain technology offers opportunities to develop more efficient and transparent Sharia-compliant financial products.

BNM emphasizes that not every idea will qualify. Projects must:

– Demonstrate tangible, real-world benefits.
– Apply blockchain technology only where it is the right fit.
– Be technically feasible within existing infrastructure.

### Why Malaysia Is Exploring Tokenisation Now

BNM’s motivation for this initiative stems from addressing critical challenges:

– **SME Financing Gap:** Malaysia faces a RM101 billion gap in SME financing. Tokenisation can help by turning invoices into digital tokens, enabling small businesses to access faster and more affordable loans.
– **Islamic Finance Leadership:** Malaysia is a global leader in Islamic finance. The use of tokenised *sukuk* and smart contracts can automate payments, increase liquidity, and expand the RM2.4 trillion Islamic finance market, all while adhering to Shariah principles.
– **Sustainability and ESG:** Tokenised green bonds could link payments directly to verified climate outcomes, minimizing greenwashing and enhancing investor confidence in Malaysia’s expanding Environmental, Social, and Governance (ESG) sector.

With this structured, pragmatic approach, Bank Negara Malaysia aims to bridge the gap between innovation and practical application, positioning Malaysia as a regional leader in regulated digital finance. Stakeholders interested in contributing insights or potential use cases are encouraged to participate before the March 1, 2026 deadline.


https://coinpedia.org/news/malaysias-central-bank-launches-three-year-plan-to-test-asset-tokenization/

Maine has a mixed recent history on citizens’ initiatives. Here’s a closer look.

When Maine voters cast ballots Tuesday on referendum Questions 1 and 2, it will mark the 30th and 31st time in the last two decades that they have participated in citizen-led ballot initiatives.

Since 2004, Maine has passed 14 citizen-initiated measures establishing laws for medical marijuana, later legalizing recreational cannabis, expanding Medicaid, and allowing same-sex marriage. Meanwhile, 15 initiatives have failed, including several efforts to reduce taxes, attempts to establish casinos in different parts of the state, and a proposed tax on wealthy households intended to fund universal home health care for seniors and disabled residents.

Roughly half of all U.S. states have some form of citizen initiative, though Massachusetts is the only other state in New England to do so. Some states, such as California, have considered citizen initiatives at a much higher frequency. Maine’s citizen initiative process has been in existence for over 100 years, reflecting a long tradition of direct voter engagement. Recently, Maine has seen multiple statewide initiatives on the ballot, notably four in 2023 and five in 2016. However, there were none in 2019, 2020, or 2022.

“The idea is to give regular citizens more of a voice in the policy process,” said Dan Shea, a professor of government at Colby College. He explained that Maine’s process originated at a time when corrupt party machines often controlled legislative efforts around the turn of the 20th century. “The process was designed to allow citizens to step beyond leaders of the parties in the Legislature and get stuff done,” Shea added.

Despite these advantages, there are some downsides to passing legislation via referendum. Citizen initiatives can attract out-of-state influence and funding, especially from activists who see Maine’s relatively low media costs as an invitation to test policies. Additionally, these proposals are often complex, making it challenging for voters to fully understand all the details and potential impacts.

“Maine is a pretty cheap state for advertising,” noted Michael Franz, a professor of government and legal studies at Bowdoin College. “Because Mainers see it as part of their political culture to vote on these measures, it becomes a perfect place for advocates of different ideas to put them on the ballot and test them in the state.”

Franz added, “Given the political polarization today and the frustration many people have with elected officials, it’s an opportunity for people who have an idea and want to get things in front of people to just bypass elected officials entirely.”

While many Maine voters remain wary of out-of-state influence and acknowledge the complexity of some measures, Franz emphasized that the electorate as a whole has proven to be “pretty savvy” when deciding on citizen initiatives. However, since these measures bypass the usual legislative process, many end up facing legal challenges.

To qualify for the ballot in Maine, supporters must gather signatures equaling 10% of the turnout for the most recent gubernatorial election. This year, that threshold was set at 67,682 signatures. Political scientists say this requirement is high enough to prevent the process from being overused or abused.

Citizen-led initiatives have often been used to push for laws that the Legislature is unwilling to address or support. Some view them as an opportunity for lawmakers to “pass the buck” and avoid making decisions on controversial issues themselves, Shea said. At the same time, these initiatives have put Maine on the leading edge of some national issues.

Here’s a look at 10 high-profile citizen-led initiatives that have passed or failed in recent years.

*Staff writer Rachel Ohm contributed to this report.*
https://www.sunjournal.com/2025/11/01/maine-has-a-mixed-recent-history-on-citizens-initiatives-heres-a-closer-look/

Robert Kiyosaki Warns of Biggest Crash Coming, Urges Buying Bitcoin, Gold, and Silver

**Robert Kiyosaki Warns of Biggest Crash Coming, Urges Buying Bitcoin, Gold, and Silver**

The recent market turmoil reflects growing concerns surrounding the U.S. Federal Reserve’s policies and escalating trade tensions between former President Donald Trump and China’s Xi Jinping. Cryptocurrencies took a hit, with Bitcoin slipping 3.8% to $110,063, Ethereum dropping 3.6% to $3,853, and XRP falling 4.1% to $2.51. This decline signals a clear risk-off sentiment as investors retreat amid mounting uncertainty over global policy decisions.

### Why Is Crypto Crashing?

Traders have entered panic mode after Federal Reserve Chair Jerome Powell hinted that the recent 25-basis-point rate cut might be the last for 2025. Powell warned that the Fed could “wait a cycle” before considering further easing measures, dashing hopes for faster monetary relief.

His comments negatively impacted risk assets across the board. The Dow Jones slipped 0.2%, while the S&P 500 remained mostly flat as markets began factoring in a prolonged period of tight financial conditions.

Adding more pressure, the much-anticipated meeting between Trump and Xi yielded little clarity. Though both leaders described the encounter as “productive,” traders saw it as more of a temporary truce than a meaningful breakthrough. The absence of concrete progress has heightened nerves, especially as global markets brace for potential ripple effects from renewed trade disputes and tariff tensions.

### Institutional Players Still Buying

Despite the price decline, institutional demand for cryptocurrencies remains strong. Bitcoin ETFs recorded $202.48 million in net inflows on October 28, led by major firms such as BlackRock, Fidelity, and Ark & 21Shares. These inflows pushed total Bitcoin ETF assets past $62 billion.

Ethereum ETFs also attracted significant interest, with net inflows surpassing $246 million. This trend suggests that institutional investors continue to see long-term value in digital assets, even as short-term traders react with caution.

**Also Read:** [Is It Too Late to Buy Bitcoin and Crypto in 2025?](#)

### Robert Kiyosaki Says: Invest in Bitcoin!

Amid the market volatility, *Rich Dad Poor Dad* author Robert Kiyosaki sounded the alarm once again. Posting on X, he warned:
**“MASSIVE CRASH BEGINNING: Millions will be wiped out. Protect yourself. Silver, gold, Bitcoin, Ethereum investors will protect you.”**

Kiyosaki believes the global economy is on the brink of a severe financial crisis. He argues that real assets like gold, silver, and cryptocurrencies are the only reliable protection against inflation and potential currency collapse. Recently, he doubled down on his stance, highlighting silver and Ethereum as the best-value buys currently due to their industrial and technological utility.

While critics note that Kiyosaki has predicted crashes for years, his warnings resonate strongly amid today’s economic uncertainty.

### Major Crypto Crash Ahead?

Echoing Kiyosaki’s warning, trader Jonesy cautioned that rate cuts tend to precede major market crashes. He cited the years 2000, 2007, and 2020 as examples when markets tumbled by as much as 56%. His trading indicators now suggest growing instability, hinting that the April lows might just mark the start of a deeper decline.

For now, Bitcoin remains above $108,000, but fear is spreading quickly. With the Fed holding firm on policy and global tensions escalating, investors are once again flocking to safety in gold, silver, and cryptocurrencies—just as Robert Kiyosaki advised.

### Frequently Asked Questions (FAQs)

*(FAQs can be added here to address common concerns related to investing in cryptocurrencies, gold, and silver during times of market volatility.)*
https://bitcoinethereumnews.com/bitcoin/robert-kiyosaki-warns-of-biggest-crash-coming-urges-buying-bitcoin-gold-and-silver/?utm_source=rss&utm_medium=rss&utm_campaign=robert-kiyosaki-warns-of-biggest-crash-coming-urges-buying-bitcoin-gold-and-silver

Bitwise’s NYSE Listing Update Hints XRP ETF Approval Could Arrive Within 20 Days

**Bitwise’s NYSE Listing Update Hints XRP ETF Approval Could Arrive Within 20 Days**

Bitwise, the $15 billion asset management giant, is one step closer to launching its XRP ETF, signaling that the approval could become a reality soon. On October 31, Bitwise submitted Amendment No. 4 to its XRP ETF filing with the U.S. Securities and Exchange Commission (SEC), revealing two crucial updates that experts believe usually indicate the final step before approval.

### Key Updates in Bitwise’s Filing

The latest amendment to Bitwise’s S-1 form discloses two important details:
– The listing venue will be the New York Stock Exchange (NYSE)
– The management fee for the ETF will be set at 0.34%

Eric Balchunas, senior ETF analyst at Bloomberg, commented on the significance of these changes, stating, “Adding the NYSE and fee means Bitwise has checked nearly all boxes.” Historically, when issuers include exchange and fee details in their S-1 filings, it typically signals that they are awaiting the final green light from the SEC.

### XRP ETF Could Launch Within 20 Days

Following the announcement, ETF expert James Seyffart from Bloomberg Intelligence provided additional context. He pointed out that Bitwise’s latest filing contains “shorter language” that could allow the XRP ETF to go live within just 20 days, pending SEC approval.

Seyffart also noted that Bitwise is not alone in this race. Other major players like VanEck, Fidelity, and Canary Funds have updated their filings, indicating a rapidly intensifying competition to launch the first XRP ETF.

Meanwhile, Crypto America host Eleanor Terrett revealed that Canary Funds removed the “delaying amendment” from its S-1 filing, which had previously given the SEC control over the timing. This change positions Canary’s XRP ETF for a potential launch date of November 13, provided the Nasdaq approves its 8-A filing.

### Potential Impact on XRP Price

Following these latest XRP ETF updates, XRP’s price experienced a modest increase, trading around $2.51 — a sign of growing optimism among traders.

Analysts suggest that approval of the XRP ETF would mark the first-ever U.S. spot ETF for XRP, a historic milestone likely to boost the token’s momentum. Currently, XRP faces strong resistance near the $2.75 level. A successful breakout above this point could pave the way for testing the $3 psychological mark.

However, if selling pressure persists, XRP could see a correction of up to 19%, potentially retesting support around the $2 zone within its long-term channel pattern.

Stay tuned for further updates as the SEC’s decision on the XRP ETF approaches, potentially reshaping the future of XRP’s presence in traditional finance.
https://bitcoinethereumnews.com/tech/bitwises-nyse-listing-update-hints-xrp-etf-approval-could-arrive-within-20-days/?utm_source=rss&utm_medium=rss&utm_campaign=bitwises-nyse-listing-update-hints-xrp-etf-approval-could-arrive-within-20-days