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Thursday, October 15, 2026

Advance Monthly Sales for Retail and Food Services September 2026

October 15th, 2026

ESCANABA, MI.- Advanced monthly retail and food services sales for September 2026 reached $745.0 billion, reflecting a 0.8% increase from August and a 5.5% rise over the July through September period compared to the previous year. Because retail and food services represent a major pillar of the U.S. economy, healthy consumer spending serves as an encouraging sign for broader economic growth.

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At the same time, long-term financial health requires balancing consumption with strong earnings and consistent personal savings. Managing and reducing personal debt, particularly high-interest obligations, helps keep more money in consumers' hands rather than going toward interest payments.

Furthermore, directing spending toward local and small businesses helps reinvest directly back into communities. Prioritizing future savings alongside mindful consumption ensures long-term personal security and financial resilience.

Advance Monthly Sales for Retail and Food Services, September 2026

  • Advance estimates of U.S. retail and food services sales for September 2026 totaled $745.0 billion, representing a 0.8 percent increase from the previous month and a 6.3 percent increase compared to September 2025.

  • Total sales for the July 2026 through September 2026 period rose 5.5 percent from the same period a year ago.

  • The previous month's change (August 2026 compared to July 2026) was revised upward from an increase of 1.1 percent to 1.3 percent.

  • Nonstore retailers experienced strong yearly growth, increasing by 8.0 percent from September 2025, while gasoline station sales grew significantly by 17.0 percent over the same annual period.

  • The survey results are adjusted for seasonal variations, holiday differences, and trading-day variations, but do not account for price changes.

U.S. Census Bureau. (2026, October 15). Advance monthly sales for retail and food services, September 2026 (Report No. CB26-165). U.S. Department of Commerce. https://www.census.gov/retail/marts/www/marts_current.pdf

Moral Leadership in Business and Society-Engagement and Disengagement

Ethics are vital to both business and society. We often mistake leadership as a purely top-down dynamic, but true leadership requires a balance of power, wisdom, ethics, and values. Whether in commerce or community, people naturally trust good leaders.

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Leadership isn't 
about ego it is
about serving society
and business together.
One can enhance the 
other if it is proper alignment.
Over concentration
indicates something
isn't in alignment and
that means there
will be a shift at some
point coming. 
What that looks like
is hard to tell so
be the best most ethical
leader you can. If you
don't have good examples
then follow your own
true north compass.
When trust declines—within an organization or society at large—people stop giving their best. They disengage because they no longer believe in the mission or the integrity of those leading it.

Ultimately, whether we are hiring organizational leaders or electing public officials, we must prioritize merit, character, and capability over connections. Top performance stems from trust, and trust is earned by doing the right thing, every single time. Seek to correct mistakes and improve when needed.

Key Themes to Ponder

  • Leadership is More than Authority: Power without wisdom and ethics fails to inspire.

  • The Cost of Eroded Trust: Disengagement happens when people lose faith in leadership and organizational values.

  • Merit and Integrity: True performance comes from choosing leaders based on capability and ethical strength rather than networking or status.

You may be interested in this piece below....

How Moral Leadership Will Fuel Business Success

  • The HOW Institute for Society’s research demonstrates that moral leadership—grounded in ethics, empathy, and accountability—serves as a critical catalyst for driving organizational performance and culture.

  • Organizations led by top-tier CEOs achieve substantially higher customer satisfaction rates (74%) compared to those led by lower-tier CEOs (39%).

  • Companies with strong moral authority exhibit enhanced resilience and are significantly better positioned for future growth and navigating economic disruptions.

  • Employees under top-tier managers display much greater loyalty and satisfaction, with only 10% actively seeking new roles compared to 31% of employees with bottom-tier managers.

  • A staggering 96% of employees with moral, top-tier managers would recommend their workplace to others, compared to just 70% under bottom-tier managers.

  • Closing the existing gap between the demand for moral leadership and its current supply requires organizations to integrate ethics into leadership training, celebrate ethical behaviors, and regularly measure leadership effectiveness.

Finlay, V. (2026, May 1). Moral leadership will fuel business success. The HOW Institute for Society. https://thehowinstitute.org/moral-leadership-will-fuel-business-success/

The Pool Shark: A Swim Coach's Tale

So, picture this: a brand-new swimmer walks onto the pool deck. I have zero idea if they can do a proper butterfly or if they're just planning to panic-paddle like a caffeinated otter.

Turns out? Total pool shark.

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Ummmm this
guy is fast!
Tweak to improve.
After putting this mystery swimmer through the paces for an hour, it was immediately clear we weren't dealing with a "dog-paddle and hope for the best" situation. This person is lean, fast, and swims with the kind of hydrodynamic efficiency that makes actual fish jealous.

We threw them into the deep end—metaphorically—and pitted them against our seasoned veterans and reigning champions. And what happens? They completely smoked everyone on the backstroke. Freestyle? Right in the middle of the pack. Backstroke? Crown them royalty.

What We're Fine-Tuning Now

Since we are safely past the “please don't swallow the entire pool” phase of coaching, our sessions are all about high-performance wizardry:

  • Starting Block Dives: We’re working on streamlining the entry so it leaves a "lighter footprint" (translation: trying to enter the water like a spear instead of dropping a boulder from a crane).

  • Torture Drills: Hesitation strokes, isolated movement drills, and making them hyper-aware of every single muscle twitch.

The Verdict

Overall, it was a wildly productive session. It’s a fun change of pace as a coach when you get to skip "how to not sink" and go straight to "how to break sound waves." Everyone’s morale is high, growth is happening, and the group seems pleased with the development.

Wednesday, October 14, 2026

The Allegory of the Clan: Dehumanization, Human Nature and Institutional Accountability

The Allegory of the Clan is a hypothetical thought experiment exploring human nature and institutional performance when checks and balances are weak. It examines how corruption, prejudice, and unchecked power undermine human capital, institutional integrity, and societal growth. An article below is offered for discussion purposes.

In our thought experiment learning story, a group of bad actors within an institution targets minorities, exploits women, retaliates against whistleblowers, and engages in other illegal or unconstitutional conduct. Rather than representing the institution as a whole, these individuals operate more like a gang than legitimate public servants. 
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Depicting how
social contracts
are rooted in 
human dignity.

Social contracts
are general rules
of treatment. 
There is good, 
order, and justice
in our social contracts
so our duty is 
to protect and preserve.
We call these oaths.

Those who do not
preserve these
contracts are not
qualified for 
important roles
no matter how much
campaign money or
vetting-A party neutral statement.
 It is the 
people who should 
vet them based on 
skill and merit.

It was well known that this gang, squad, group, or clan were harming others but no one stood up to act until the community did. When courts and officials tolerate misconduct or enable perpetrators to profit from victims' suffering, dehumanization becomes embedded in the system. Two different legal structures form; the in group and out group.

Feel free to change around these questions a little. They are just sort of interesting to ponder. Remember this is just for mental exercise.

Learning lesson: Dehumanization and corruption thrive when individuals exploit unwritten rules and expectations in environments where checks and balances are weak/absent. 

A Philosophical Question: How might incentivizing dehumanization lead to further dehumanization of others? Are there collective concerns?

Economic Consideration: Could the acceptance of dehumanization elements lead to second class citizenship? Could it lead to lower overall human capital performance?

Moral Questions: Do we have a responsibility to treat others with dignity?  How might dignity be part of the Enlightenment movement and social contracts? i.e. moral conscious

The Allegory of the Clan is open to interpretation. Accept, reject, or modify the story as you see fit. There are no definitive answers, and we can still envision a positive ending grounded in accountability and institutional improvement. Take it with a grain of salt.

Vote for the best and brightest and not the most connected or vetted.

A Process Account of Dehumanization: Extending the Framework with a Developmental Research Agenda
  • The article reviews research on dehumanization, which refers to perceiving or treating other people as less than fully human.
  • The authors examine how research on dehumanization has developed over the past 25 years and discuss different conceptual and methodological approaches.
  • The article proposes a process-based framework for understanding dehumanization, focusing on how dehumanizing perceptions emerge and develop.
  • The authors highlight the importance of examining the developmental origins of dehumanization, including how these perceptions may form and change throughout life.
  • The article identifies opportunities for future research to better understand the psychological and social processes involved in dehumanization.
  • The proposed developmental research agenda may help researchers investigate how dehumanizing attitudes emerge and how they might be prevented or reduced.
  • Overall, the article emphasizes the importance of understanding dehumanization as a process rather than simply as a fixed attitude or outcome.
Vaes, J., Dapor, C., Meconi, F., Quadrelli, E., Roberti, E., Ruzzante, D., & Testa, A. (2026). A process account of dehumanization: Extending the framework with a developmental research agenda. Behavioral Sciences, 16(6), Article 867. https://doi.org/10.3390/bs16060867

Rigoletto: Introducing the Arts San Diego Opera

Two things are worth considering: the good work the San Diego Opera does to introduce children to the arts, and the performances it brings to the community. Below is an excellent discussion of Rigoletto, which runs October 23–25.
Art is the culmination of human experience. It represents some of the best that society can produce through creative expression. Whether through music, painting, theater, or opera, there is something to be said for the skill, dedication, and craftsmanship that go into these art forms.
This is a first good operat to watch
I’ve included a few links below for you to explore.

Honey-Mustard Chicken, Local Carrots and Diet Changes-Cabin Cooking and Eating

The other day, I cooked some carrots I got from the Marquette Farmers Market with a little butter and salt. They turned out great and paired nicely with the honey mustard chicken I made in a frying pan. It’s really simple to make: just marinate the chicken in a little honey, mustard, salt, and pepper. Sear it over high heat, then turn the heat down and let it simmer until it’s cooked through and juicy.


Pair that with a fresh salad, and you’ve got yourself a pretty good meal! Fairly healthy as well.

I also have certifications as a fitness trainer, yoga instructor, firefighter, lifeguard, and swim coach, along with a few others. So, if you ever need a little help with fitness, yoga, swimming, or anything along those lines, just let me know!

Simple Diet Changes Show Big Health Benefits, New Research Finds
  • Small, consistent dietary changes can improve overall health and support long-term well-being, even later in life.
  • Eating more fruits, vegetables, whole grains, plant-based proteins, and seafood can help reduce the risk of chronic diseases.
  • Limiting ultra-processed foods, added sugars, and saturated fats may support better health.
  • Increasing fiber intake can improve digestive health, support heart health, and help regulate blood sugar.
  • Choosing foods such as leafy greens, berries, beans, nuts, and olive oil may help reduce inflammation.
  • Research suggests that improving eating habits after age 45 can contribute to a longer life expectancy by lowering the risk of chronic diseases.
  • Healthy eating habits include drinking water instead of sugary beverages, replacing refined grains with whole grains, eating more home-cooked meals, and adding vegetables to meals.
  • Eating slowly and avoiding late-night eating may help support digestion and healthier eating patterns.
  • The main takeaway is that people do not need to follow a perfect diet to improve their health. Making realistic, sustainable changes over time can provide meaningful benefits.

Wiggins, L. (2026, April 20). Simple diet changes show big health benefits, new research finds. UF/IFAS Extension Taylor County. https://blogs.ifas.ufl.edu/taylorco/2026/04/20/simple-diet-changes-show-big-health-benefits-new-research-finds/

Consumer Price Index Rises .6% in September 2026

October 14, 2026

ESCANABA, MI-Energy is a primary driver of many prices, and CPI is up 0.6%. Other areas seeing increases include vehicles, education, airline fares, and medical care.

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Has alternative energy
risen in price?

Would use of alternative
energy protect price,
supply chaings, and
national energy
independence?

Interestingly, medical care costs seem to rise almost consistently.  Insurance premiums in these fields continue to climb. This could point to a potential bubble, driven in part by an aging population but also by inefficiencies and incentives within the insurance and medical industries.

Either way, consumers should expect to see some higher prices ahead.

Consumer Price Index Summary: September 2026

  • The Consumer Price Index (CPI) increased by 0.6% in September 2026, following a 0.4% increase in August.
  • Overall consumer prices rose 3.7% over the 12 months ending in September, up from 3.4% in August.
  • Gasoline prices increased 9.1% in September, accounting for more than half of the monthly increase in overall consumer prices.
  • Energy prices rose 5.2% in September and increased 20.4% over the previous 12 months.
  • Food prices remained unchanged in September. Grocery prices decreased by 0.1%, while restaurant and other food-away-from-home prices increased by 0.2%.
  • Housing costs, measured by the shelter index, increased 0.4% in September and 3.2% over the past year.
  • Core inflation, which excludes food and energy, increased 0.3% in September and 2.6% over the past 12 months.
  • Other categories that experienced price increases included used cars and trucks, airline fares, education, recreation, and medical care.

U.S. Bureau of Labor Statistics. (2026, October 14). Consumer price index summary—September 2026. https://www.bls.gov/news.release/cpi.nr0.htm