the magical ocean

the magical ocean Caitlin Clark , one of the most electrifying players in basketball, was at the center of a heated debate when she was omitted from the Team USA basketball team for the Paris 2024 Olympic Games. Her exclusion, despite her rookie season’s remarkable performance, raised eyebrows among fans and critics alike. After much discourse, Clark is finally ready to set the record straight about her exclusion. Many argued that Clark’s star power and popularity should have guaranteed her a spot. However, she was left off the squad in favor of seasoned veterans like Chelsea Gray and Diana Taurasi , to name a few. In an interview with TIME’s Sean Gregory , Clark cleared the air on her exclusion, especially rejecting the notion of her merit by popularity, expressing her desire to earn her place with on-court merit. I don’t want to be there because I’m somebody that can bring attention. I love that for the game of women’s basketball. But at the same time, I want to be there because they think I’m good enough...That whole narrative kind of upset me. Because that is not fair. It’s disrespectful to the people that were on the team, that had earned it and were really good. And it’s also disrespectful to myself . The buildup to this moment stemmed from Clark’s meteoric rise in basketball, transitioning from a record-breaking college career at Iowa to a Rookie of the Year campaign with the Indiana Fever. As her dominance continued from college to professional basketball, her fanbase grew larger and larger, demanding that the revolutionary star find a spot in the exclusive and high-profile Team USA roster. In the second half of her rookie WNBA season, Caitlin Clark demonstrated the caliber of play that might have warranted her inclusion. Averaging 23.4 points and 8.9 assists post-Olympic break, she shattered the single-season WNBA assist record and led the Fever to their first playoff appearance since 2017. Her All-WNBA First Team selection further cemented her status as one of the league’s elite guards. Caitlin Clark reveals key difference between NCAA and WNBA One of the defining features of Caitlin Clark’s rookie season was her adjustment from being the highest scorer in college basketball history to becoming a star on a middling WNBA franchise like the Indiana Fever. Reflecting on her struggles and adjustments, she noted a stark difference in defensive strategies between the NCAA and WNBA. Professional players and coaches—this is no disrespect to women’s college basketball—are a lot smarter. If you go back and watch the way people guarded me in college, it’s almost concerning. They didn’t double me; they didn’t trap me, they weren’t physical . Clark pointed out that the simplified defensive schemes in college often allowed her to dominate without facing the sophisticated strategies she now encounters in the WNBA. This shift required her to adapt quickly, as opponents applied constant ball pressure, guarded her full-court, and exploited any weaknesses in her game. These challenges initially impacted her shooting, as she struggled with sub-30% three-point accuracy early in the season. However, Caitlin Clark’s resilience shone through. By the end of the season, she raised her shooting percentages significantly, finishing with 19.2 points, 8.4 assists, and 5.7 rebounds per game. Her improved efficiency and playmaking proved pivotal in the Fever’s playoff push and established her as a cornerstone of the franchise. As she prepares for her second season , Clark is poised to reach even greater heights, proving that her on-court talent, not popularity, will define her legacy. This article first appeared on FirstSportz and was syndicated with permission.ANDERSON TOWNSHIP, Ohio -- Bengals quarterback Joe Burrow's home was broken into during Monday Night Football in the latest home invasion of a pro athlete in the U.S., authorities said Tuesday. No one was injured in the break-in, but the home was ransacked, according to a report provided by the Hamilton County Sheriff's Office. Deputies weren't immediately able to determine what items were stolen. A person who is employed by Burrow arrived at the Anderson Township home Monday night to find a shattered bedroom window and the home in disarray. The person called their mother, and then 911 was contacted, according to the report. Deputies reached out to neighbors in an attempt to piece together surveillance footage. “Our investigators are exploring every avenue,” public information officer Kyla Woods said. The homes of Chiefs stars Patrick Mahomes and Travis Kelce were broken into in October. In the NBA , Milwaukee Bucks forward Bobby Portis had his home broken into Nov. 2 and Minnesota Timberwolves guard Mike Conley Jr.'s home was burglarized on Sept. 15 while he was at a Minnesota Vikings game. Portis had offered a $40,000 reward for information. Both the NFL and NBA issued security alerts to players after those break-ins, urging them to take additional precautions to secure their homes. In league memos previously obtained by The Associated Press, the NFL said homes of professional athletes across multiple sports have become “increasingly targeted for burglaries by organized and skilled groups.” And the NBA revealed that the FBI has connected some burglaries to “transnational South American Theft Groups” that are “reportedly well-organized, sophisticated rings that incorporate advanced techniques and technologies, including pre-surveillance, drones, and signal jamming devices.” Some of the burglary groups have conducted extensive surveillance on targets, including attempted home deliveries and posing as grounds maintenance or joggers in the neighborhood, according to officials. ___ AP NFL: https://apnews.com/hub/nfl

Liberals’ holiday tax break and cash giveaway has winners and losersElon Musk calls Trudeau an ‘insufferable tool’ on his social media platform

A judge blocked Kroger Co.’s $24.6 billion acquisition of Albertsons Cos., finding the takeover would lessen competition for U.S. grocery shoppers, in a ruling that marks a likely death knell for the deal. In a decision filed in Oregon federal court Tuesday, U.S. District Judge Adrienne Nelson found in favor of the U.S. Federal Trade Commission. The agency had argued that the proposed tie-up violates U.S. antitrust law and that a divestiture of hundreds of stores to C&S Wholesale Grocers Inc. wouldn’t do enough to replace the lost competition. “There is ample evidence that the divestiture is not sufficient in scale to adequately compete with the merged firm and is structured in a way that will significantly disadvantage C&S as a competitor,” Nelson wrote. “The deficiencies in the divestiture scope and structure create a risk that some or all of the divested stores will lose sales or close, as has happened in past C&S acquisitions.” Nelson’s decision is a major victory for the FTC and its outgoing Chair Lina Khan, who came under harsh criticism from conservatives and business groups for stepped-up antitrust enforcement under the Biden administration. “Today’s win protects competition in the grocery market, which will prevent prices from rising even more,” said FTC spokesperson Douglas Farrar. “This statement win makes it clear that strong, reality-based antitrust enforcement delivers real results for consumers, workers, and small businesses.” A C&S Wholesale spokeswoman said the company is disappointed by the court’s decision and that it looks forward to seeing how Kroger and Albertsons will determine the next steps of the proposed deal. Kroger and Albertsons didn’t immediately respond to requests for comment. Attorneys for the companies have said the acquisition would probably be called off if the judge ruled against the deal. Kroger shares jumped as much as 6.1% in New York trading on Tuesday, extending earlier gains. Albertsons slumped as much as 10%. The FTC’s case was the most consequential of three pending lawsuits that challenged the tie-up. Washington Attorney General Bob Ferguson, who was elected earlier this month to be the state’s next governor, sued to block the deal in state court and a judge is expected to issue his decision later Tuesday. Colorado’s attorney general also filed a separate lawsuit in state court that remains pending. Specific market Nelson agreed with the FTC that supermarkets constitute a specific market, countering the companies’ argument that the market extends to online retailers like Amazon.com Inc. “Supermarkets are distinct from other grocery retailers,” Nelson wrote. “Supermarkets offer a larger selection of fresh and non-perishable items, a one-stop shopping experience that appeals to a particular consumer’s preference to meet all their grocery needs in one location, and a customer service focus with deli, bakery, meat, and other specialized departments.” The ruling marks a disappointing end to a two-year odyssey by Kroger and Albertsons, which sought to become a bigger player with a more substantial national footprint to better compete against larger, non-unionized rivals including Walmart Inc. Kroger and Albertsons agreed to combine in October 2022 in what would have been the biggest U.S. grocery deal in history, bringing together more than 4,000 stores across 48 states and Washington, DC. Kroger will likely turn its focus back to improving and investing in its existing network of about 2,750 stores. Albertsons, on the other hand, could emerge again as a deal target, but is expected in the near term to invest in its roughly 2,270 stores and technology. The proposed deal has been a political hot potato, drawing pushback from elected officials, union groups and consumer advocacy firms. The companies vowed to spend $1 billion to cut prices, $1.3 billion to improve store conditions and $1 billion to raise worker wages and benefits following the deal. The FTC has increased antitrust enforcement under the Biden administration, though the results in court have been mixed. The FTC lost a challenge to Microsoft Corp.’s acquisition of Activision Blizzard Inc. But more recently the antitrust agency won two other merger challenges against Illumina Inc. over its purchase of startup Grail and over Tapestry Inc.’s planned $8.5 billion acquisition of Capri Holdings Ltd. Arguments The companies and the agency fought their case in court for three weeks over the summer in Oregon, as grocery inflation came back into the political spotlight ahead of the U.S. presidential election. Grocery inflation hit a four-decade high in 2022 due to higher costs of labor, transportation and ingredients. Price increases have moderated and are expected to stay within historical ranges, though many American shoppers still say expensive groceries continue to squeeze their ability to spend. The FTC argued that the deal would harm consumers by eliminating competition on prices and quality, making the combined entity less likely to improve its services by offering flexible hours and pickup services. It said the grocers would have more leverage over workers, which would slow wage growth and worsen benefits, and that the proposed divestiture would be inadequate. The agency tried to depict Kroger and Albertsons as the most direct competitors. It said the deal would combine the two largest “traditional supermarkets” in a market that includes Walmart and Target, but does not include Amazon, Costco, Aldi and dollar stores. The companies argued that such a definition is “antiquated” and no longer describes how people shop and pointed to various changes they have made in response to newer threats. The grocers also said joining forces would help them increase market share and improve technology to compete with Amazon, Walmart and other companies. The case is Federal Trade Commission v. Kroger Co., 24-cv-00347, U.S. District Court, District of Oregon (Portland). (With assistance from Josh Sisco.) ©2024 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.WASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.

Mbappe, Vinicius and Bellingham on target as Real Madrid beats Atalanta 3-2. Liverpool wins again

San Jose gives greenlight to scaled down El Paseo redevelopmentFirst batch of Canadian-made low-carbon jet fuel emerges from B.C. refinery

After 10 years of donating and selling thousands of bikes at a low cost to those in need, a Bendigo charity faces an uphill climb to continue its work. or signup to continue reading started in a shed next to the Good Loaf Bakery on Hargreaves Street, with the bakery's owner Laurie Whelan developing a good relationship with passionate volunteer bike mechanics including Richard Hodgson. Over time, the shed grew as a charity where or sold to those in need. "I've loved every minute of it," Mr Hodgson said. "We've given away thousands of bikes and it's been very rewarding." When the partly due to rental increases, the volunteers were told they would need to leave. They've been given until Sunday, December 1 to vacate the shed. Mr Hodgson turned to social media in hopes someone would have a site suitable for them. "The response was fabulous; we've had nearly a hundred people respond to our post," he said. The group is looking for a shed suitable for about 50 bikes and a workspace. Mr Hodgson said their customers ranged from cash-strapped single parents, to refugees and people who've recently been in prison. "We deal with people who have just got the rough end of the stick ... and don't have any transport," he said. "We're not a source of cheap bikes, we're a charity and if you can afford to go to a bike shop or even buy one secondhand, that's where you should go." All kids should ride a bike, according to Mr Hodgson. "Sometimes we have kids who come in and they've had a little balance bike or something, and they get a real bike and they get on it and they're off," he said. "They just love it and they come back with a beaming smile." Mr Hodgson said the bikes would be stored until a new home was found. Jonathon has been living and working in Bendigo since March 2021, currently working as a general reporter. Contact him on jonathon.magrath@austcommunitymedia.com.au. Jonathon has been living and working in Bendigo since March 2021, currently working as a general reporter. Contact him on jonathon.magrath@austcommunitymedia.com.au. DAILY Today's top stories curated by our news team. WEEKDAYS Grab a quick bite of today's latest news from around the region and the nation. WEEKLY The latest news, results & expert analysis. WEEKDAYS Catch up on the news of the day and unwind with great reading for your evening. WEEKLY Get the editor's insights: what's happening & why it matters. WEEKLY Love footy? We've got all the action covered. WEEKLY Every Saturday and Tuesday, explore destinations deals, tips & travel writing to transport you around the globe. WEEKLY Going out or staying in? Find out what's on. WEEKDAYS Sharp. Close to the ground. Digging deep. Your weekday morning newsletter on national affairs, politics and more. TWICE WEEKLY Your essential national news digest: all the big issues on Wednesday and great reading every Saturday. WEEKLY Get news, reviews and expert insights every Thursday from CarExpert, ACM's exclusive motoring partner. TWICE WEEKLY Get real, Australia! Let the ACM network's editors and journalists bring you news and views from all over. AS IT HAPPENS Be the first to know when news breaks. DAILY Your digital replica of Today's Paper. Ready to read from 5am! DAILY Test your skills with interactive crosswords, sudoku & trivia. Fresh daily!

Vikings withstand Bears' furious rally, win on field goal in OTANKARA, Turkey (AP) — Ethiopia and Somalia agreed on Wednesday to hold “technical talks” to resolve a dispute sparked by Ethiopia’s deal with Somalia's breakaway region of Somaliland, according to a statement following talks in Turkey. Read this article for free: Already have an account? To continue reading, please subscribe: * ANKARA, Turkey (AP) — Ethiopia and Somalia agreed on Wednesday to hold “technical talks” to resolve a dispute sparked by Ethiopia’s deal with Somalia's breakaway region of Somaliland, according to a statement following talks in Turkey. Read unlimited articles for free today: Already have an account? ANKARA, Turkey (AP) — Ethiopia and Somalia agreed on Wednesday to hold “technical talks” to resolve a dispute sparked by Ethiopia’s deal with Somalia’s breakaway region of Somaliland, according to a statement following talks in Turkey. Turkey has been mediating between the two east African countries as tensions between them have simmered since Ethiopia signed a memorandum of understanding with Somaliland in January to lease land along its coastline to establish a marine force base. In return, Ethiopia would recognize Somaliland’s independence, which Somalia says infringes on its sovereignty and territory. A joint declaration was reached after Turkish President Recep Tayyip Erdogan met separately with Somali President Hassan Sheik Mohamud and Ethiopian Prime Minister Abiy Ahmed on Wednesday. It says the sides agreed the talks, which would begin by February 2025 and conclude within four months, would respect Somalia’s territorial integrity while recognizing “potential benefits” of Ethiopia’s access to the sea. The declaration also says the sides would work to “finalize mutually advantageous commercial arrangements” to allow Ethiopia “to enjoy reliable, secure and sustainable access to and from the sea,” under Somalia sovereignity. Somaliland seceded from Somalia more than 30 years ago, but is not recognized by the African Union or the United Nations as an independent state. Somalia still considers Somaliland part of its territory. Over the years, Somaliland has built a stable political environment, contrasting sharply with Somalia’s ongoing struggles with insecurity amid deadly attacks by al-Qaida-linked militant group al-Shabab. In November, Somaliland held a presidential election that gave a boost for its push for international recognition. With a population estimated at over 120 million, Ethiopia is the most populous landlocked country in the world. Turkey has previously hosted two rounds of talks between the African nations’ foreign ministers but a third round, expected in September, was delayed, raising concerns of escalating tensions. Erdogan, flanked by Mohamud and Abiy, told reporters at a late night news conference in the Turkish capital, Ankara, that the sides have reached an “important stage” in efforts to solve their dispute. The joint declaration, Erdogan said, focuses “on the future and not the past.” “By overcoming some resentments and misunderstandings, we have taken the first step toward a new beginning based on peace and cooperation between Somalia and Ethiopia,” Erdogan continued. He also said he hoped Somalia would take steps to give Ethiopia sea access. Winnipeg Jets Game Days On Winnipeg Jets game days, hockey writers Mike McIntyre and Ken Wiebe send news, notes and quotes from the morning skate, as well as injury updates and lineup decisions. Arrives a few hours prior to puck drop. Abiy, the Ethiopian prime minister, insisted that “Ethiopia’s aspiration for secure access to the sea is a peaceful venture and one that would benefit all our neighbors.” “I believe that today’s constructive discussions will push us into a new year with this spirit of cooperation, friendship and the willingness to work together instead of against each other,” he said. Somalia’s president said the Horn of Africa is a “very fragile and very volatile region, which needs both Ethiopia and Somalia to work together” for the benefit of both. Turkey has forged close ties with Somalia, and recently also signed deals toward cooperation in defense and oil and gas exploration. It also has economic and trade ties with Ethiopia. A Somaliland opposition leader, Abdirahman Mohamed Abdullahi, who had been critical of the deal with Ethiopia, won the November election. He is to be inaugurated on Thursday. Advertisement Advertisement

Trump names Andrew Ferguson as head of Federal Trade Commission to replace Lina Khan

Published 5:39 pm Monday, December 2, 2024 By Data Skrive Here’s a peek at the injury report for the Houston Rockets (15-6), which currently has zero players listed, as the Rockets prepare for their matchup against the Sacramento Kings (9-12, three injured players) at Golden 1 Center on Tuesday, December 3 at 10:00 PM ET. Watch the NBA, other live sports and more on Fubo. What is Fubo? Fubo is a streaming service that gives you access to your favorite live sports and shows on demand. Use our link to sign up for a free trial. Get the latest news sent to your inbox The Rockets came out on top in their most recent matchup 119-116 against the Thunder on Sunday. In the win, Fred VanVleet led the Rockets with 38 points. The Kings’ most recent outing was a 127-125 loss to the Spurs on Sunday. DeMar DeRozan scored a team-leading 28 points for the Kings in the loss. Sign up for NBA League Pass to get live and on-demand access to NBA games. Get tickets for any NBA game this season at StubHub. Catch NBA action all season long on Fubo. Bet on this or any NBA matchup at BetMGM. Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER .John Parker Romo made a 29-yard field goal to lift the Minnesota Vikings to a 30-27 overtime win against the host Chicago Bears on Sunday afternoon. Romo buried the game-winning kick in his third career game for Minnesota (9-2), which won its fourth game in a row. The score capped a 10-play, 68-yard drive for the Vikings after the Bears went three-and-out on the first overtime possession. Sam Darnold completed 22 of 34 passes for 330 yards and two touchdowns to lead the Vikings. Wideout Jordan Addison finished with eight catches for a career-high 162 yards and a touchdown. The overtime defeat spoiled an impressive performance from rookie quarterback Caleb Williams, who completed 32 of 47 passes for 340 yards and two touchdowns for Chicago (4-7). D.J. Moore had seven catches for 106 yards and a touchdown, and Keenan Allen finished with nine catches for 86 yards and a score. Chicago erased an 11-point deficit in the final 22 seconds of regulation to send the game to overtime. Romo had put Minnesota on top 27-16 when he made a 26-yard field goal with 1:56 remaining in the fourth quarter. Williams trimmed the Bears' deficit to 27-24 with 22 seconds to go. He rolled right and found Allen wide open in the end zone for a 1-yard touchdown, and moments later he fired a strike to Moore for a two-point conversion. The Bears recovered an onside kick on the next play to regain possession at their 43-yard line with 21 seconds left. Cairo Santos' onside kick bounced off the foot of Vikings tight end Johnny Mundt, and Tarvarius Moore recovered it. D.J. Moore put the Bears in field-goal position with a 27-yard reception across the middle of the field, and Santos made a 48-yarder as time expired to even the score at 27-all. Minnesota led 24-10 after three quarters. Romo made a 40-yard field goal early in the third quarter, and Aaron Jones punched in a 2-yard run with 1:22 left in the period to put the Vikings on top by two touchdowns. Addison and Jalen Nailor each had receiving touchdowns in the first half for Minnesota. Roschon Johnson scored on a 1-yard run for the Bears' only touchdown of the first half. Chicago trailed 14-10 at the break. --Field Level MediaOpenAI Spoofing Scams: How to Counter Phishing Attacks