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NoneColin Cowherd Makes Shocking Claim About Former Oregon QBEditor’s note: If you or someone you know is in crisis, please call the National Suicide Prevention Lifeline at 988 or contact the Crisis Text Line by texting TALK to 741741. COLLEGEVILLE, Minn. — When Lilly Goyah struggled with mental health, she found comfort in Christian music. ADVERTISEMENT Now, as a 22-year-old senior at the College of St. Benedict, Goyah is pursuing an individualized major that blends music and business. She’s part of the university’s Entrepreneur Scholars program, a selective course designed to help students launch business ventures. For Goyah, the program became a launchpad for her idea: ANP Streaming, a Christian-based music platform tailored to users’ emotional needs. Her vision stems from her personal experiences. Born to Liberian immigrants, Goyah’s childhood was marked by frequent moves between shelters, government and transitional housing on the East Coast and, later, in Minnesota. She had a brief hope of housing stability when she was in eighth grade, when she and her brother moved to live with her father in Champlin, a northwest suburb in the Twin Cities. That hope shattered when the family returned one day to find the locks changed and their belongings gone. “We had been through a lot of instability, obviously and homelessness before that. But I had a lot of hope once we were able to move into that house,” Goyah said. “When we were put back in that shelter, I had this feeling of we were never going to get past that part of life.” The upheaval, combined with school struggles and a falling out with her father, plunged Goyah into depression and suicidal thoughts. ADVERTISEMENT By the end of her freshman year at Anoka High School, Goyah had made the decision to end her life. “For me, that was one of the worst moments ever. Because while I was also struggling with mental health, I didn’t relate to or feel a genuine feeling when it came to religion, Christianity, or God ... I had this disconnection from religion as a whole,” she said. Before she could act, her mother sent Goyah on a life-changing youth retreat in Olney, Maryland. On the first night, Goyah watched a skit depicting a child grappling with depression and suicidal thoughts. “That kind of changed my mind and my thoughts toward Christianity,” she said. Her views on Christian music, the only genre she was allowed to listen to growing up, also changed on the trip. At one point, she viewed the genre as “corny” and “not a real representation of life.” Those views quickly shifted during the retreat after she heard the song “My World Needs You” by Kirk Franklin for the first time. He quickly became her favorite artist, and still is to this day. ADVERTISEMENT The retreat sparked a new hope for Goya, who graduated from Anoka High School in 2020. “Music was really pivotal in helping me get through those moments and have a healthy coping mechanism,” said Goyah, who was also part of her high school choir. After graduation, Goyah followed her friends to Augsburg University in Minneapolis. However, she quickly found herself isolated and again struggling with her mental health. She realized a need for change and, on the advice of her high school counselor, transferred to the College of St. Benedict in the fall of 2021. When she hit campus, Goyah took up her individualized major and discovered the Entrepreneur Scholars program. That program is a cohort of about a dozen students, according to academic director Paul Marsnik. He noted the program’s selectivity, which usually sees about 30 to 35 applicants a year. “We’re looking for students with what we call an entrepreneurial mindset, young people who see opportunities and get things done,” Marsnik said. The program launched 20 years ago. ADVERTISEMENT One day, Goyah appeared in his office, eager to learn more about the program, which includes trips to Silicon Valley and Vietnam. Those trips allow cohort students to talk and network with companies. “I could see her face light up; she was like, ‘Oh, this is exactly what I’m looking for,” Marsnik said. Despite a full cohort, there was a last-minute opening that allowed Goyah to join. Marsnik said the program has featured many talented students, but he thinks Goyah is one of the best. “She’s an inspiration to a lot of people and could be to a lot more, I think,” Marsnik said. Goyah's original idea was a record label, but she pivoted toward ANP Streaming, a platform that she said would fill a unique need in Christian music. ANP — which stands for "A New Psalm — Streaming will offer Christian music tailored to emotional needs, filling a gap in the market, Goyah said. “I’m really excited to put this in the space for people,” said Goyah. “If you’re not talking niche, then obviously it would be like Spotify or YouTube Music or Apple Music." She envisions ANP as a way for users to connect with faith and find solace through music, just as she did. ADVERTISEMENT “The No. 1 mission with the application, of course, with it being Christian-based, is kind of helping people to discover individual relationships with God, which can be fostered through music,” Goyah said. During her time in Vietnam, she secured a partnership with Saigon Technology to develop the app for an estimated $50,000. Goyah has opened a crowdfunding campaign to support development costs. She is securing licensing and catalog agreements to make the platform a reality. ANP Streaming will launch a “freemium” model, Goyah said. That will include a free version with advertisements and a premium version with no ads and additional features. The application will be available in the Apple App Store and the Google Play Store. Development for the application is underway and will launch in middle to late 2025. As music remains vital to Goyah, she has also recently started to write original songs, including "Freedom," which she performed last year on the Johnnie Bennie Media YouTube channel. While unsure if she’ll remain in the area or head somewhere like Nashville, Goyah is eager to see where her vision can have the most significant impact as the app is developed. “I’ve just been so overwhelmed with how amazing this community is and how resourceful it is,” Goyah said. “So part of me really wants to stay, but I think wherever this journey takes me and where I can have the most impact is really, ultimately, where I’m looking to go.” ADVERTISEMENT Lilly Goyah has launched a campaign on Indiegogo to help fund her Christian music mobile app, ANP Streaming. To donate to the campaign, visit tinyurl.com/ANPStreaming-donate. For more about ANP Streaming, visit anpstreaminginfo.com.
Blake Snell reportedly has joined his former team's biggest rival. After opting out of his Giants contract and entering MLB free agency this offseason, Snell has agreed to a five-year, $182 million contract with the Los Angeles Dodgers pending a physical, ESPN's Jeff Passan and Jorge Castillo reported Tuesday, citing sources. Snell seemingly confirmed the news with a post on his Instagram account. It's no surprise Los Angeles was able to land the two-time Cy Young Award winner. The Dodgers have shattered free-agency expectations in recent offseasons, inflating their payroll and even deferring millions of dollars to future years so they can sign stars including Shohei Ohtani, Mookie Betts, Freddie Freeman -- the list goes on. It paid off for San Francisco's NL West rivals in 2024, as Los Angeles won its eighth World Series title last month when it defeated the New York Yankees in five games. And they appear to be taking the deferred money route with Snell, as they did when they signed Ohtani last winter. Snell's lone Giants campaign started off rocky after the ace endured an offseason without spring training while searching for a home in free agency. But after a rough first half to the 2024 MLB season, Snell quickly rounded into Cy Young form, even pitching a no-hitter for San Francisco on Aug. 2 against the Cincinnati Reds. His hot second half led Snell to opt out of the remaining year on his Giants contract, making him the best available pitcher on the open market. This time, negotiations with MLB teams didn't last as long. Because the Dodgers, as usual, swooped in. Download and follow the Giants Talk PodcastTrump y republicanos del Congreso planean ambiciosa agenda fiscal de 100 días
NoneIsrael has agreed to a ceasefire with Hezbollah in Lebanon that will take effect at 4 a.m. Wednesday. Moments after U.S. President Joe Biden announced the ceasefire deal , which Israel's Cabinet approved late Tuesday, an Israeli airstrike slammed into the Lebanese capital. Residents of Beirut and its southern suburbs have endured the most intense day of Israeli strikes since the war began nearly 14 months ago, as Israel signaled it aims to keep pummeling Hezbollah before the ceasefire is set to take hold. At least 24 people have killed by Israeli strikes across Lebanon on Tuesday, according to local authorities. Hezbollah also fired rockets into Israel on Tuesday, triggering air raid sirens across the country’s north. An Israel-Hezbollah ceasefire would mark the first major step toward ending the regionwide unrest triggered by Hamas’ attack on Israel on Oct. 7, 2023. But it does not address the devastating war in Gaza. Hezbollah began attacking Israel a day after Hamas’ attack. The fighting in Lebanon escalated into all-out war in September with massive Israeli airstrikes across the country and an Israeli ground invasion of the south. In Gaza, more than 44,000 people have been killed and more than 104,000 wounded in the nearly 14-month war between Israel and Hamas, according to Gaza’s Health Ministry. Here's the Latest: BEIRUT -- Lebanon’s Prime Minister Najib Mikati welcomed the U.S.-brokered ceasefire proposal between Israel and Hezbollah, describing it as a crucial step toward stability, the return of displaced people to their homes and regional calm. Mikati made these comments in a statement issued just after U.S. President Joe announced the truce deal. Mikati said he discussed the ceasefire agreement with Biden by phone earlier Tuesday. The prime minister reaffirmed Lebanon’s commitment to implementing U.N. resolution 1701, strengthening the Lebanese army’s presence in the south, and cooperating with the U.N. peacekeeping force. He also called on Israel to fully comply with the ceasefire and withdraw from southern Lebanon in accordance the U.N. resolution. JERUSALEM — Prime Minister Benjamin Netanyahu’s security Cabinet has approved a ceasefire deal with Hezbollah, clearing the way for the truce to take effect. Netanyahu’s office said the plan was approved by a 10-1 margin. The late-night vote came shortly before President Joe Biden was expected to announced details of the deal in Washington. Earlier, Netanyahu defended the ceasefire, saying Israel has inflicted heavy damage on Hezbollah and could now focus its efforts on Hamas militants in Gaza and his top security concern, Iran. Netanyahu vowed to strike Hezbollah hard if it violates the expected deal. WASHINGTON — Rep. Mike Waltz, President-elect Donald Trump’s designate to be national security adviser, credited Trump’s victory with helping bring the parties together toward a ceasefire in Lebanon. “Everyone is coming to the table because of President Trump,” he said in a post on X on Tuesday. “His resounding victory sent a clear message to the rest of the world that chaos won’t be tolerated. I’m glad to see concrete steps towards deescalation in the Middle East.” He added: “But let’s be clear: The Iran Regime is the root cause of the chaos & terror that has been unleashed across the region. We will not tolerate the status quo of their support for terrorism.” BEIRUT — Israeli jets targeted a building in a bustling commercial area of Beirut for the first time since the start of the 13-month war between Hezbollah and Israel. The strike on Hamra is around 400 meters (yards) from the country’s central bank. A separate strike hit the Mar Elias neighborhood in the country’s capital Tuesday. There was no immediate word on casualties from either strike, part of the biggest wave of attacks on the capital since the war started. Residents in central Beirut were seen fleeing after the Israeli army issued evacuation warnings for four targets in the city. Meanwhile, the Israeli army carried out airstrikes on at least 30 targets in Beirut’s southern suburbs Tuesday, including two strikes in the Jnah neighborhood near the Kuwaiti Embassy. Lebanon’s Health Ministry reported that 13 people were injured in the strikes on the southern suburbs. BEIRUT — Hezbollah has said it accepts the ceasefire proposal with Israel, but a senior official with the group said Tuesday that it had not seen the agreement in its final form. “After reviewing the agreement signed by the enemy government, we will see if there is a match between what we stated and what was agreed upon by the Lebanese officials,” Mahmoud Qamati, deputy chair of Hezbollah’s political council, told the Al Jazeera news network. “We want an end to the aggression, of course, but not at the expense of the sovereignty of the state.” of Lebanon, he said. “Any violation of sovereignty is refused.” Among the issues that may remain is an Israeli demand to reserve the right to act should Hezbollah violate its obligations under the emerging deal. The deal seeks to push Hezbollah and Israeli troops out of southern Lebanon. JERUSALEM — Israeli Prime Minister Benjamin Netanyahu said Tuesday that he would recommend his Cabinet adopt a United States-brokered ceasefire agreement with Lebanon’s Hezbollah, as Israeli warplanes struck across Lebanon, killing at least 23 people. The Israeli military also issued a flurry of evacuation warnings — a sign it was aiming to inflict punishment on Hezbollah down to the final moments before any ceasefire takes hold. For the first time in the conflict, Israeli ground troops reached parts of Lebanon’s Litani River, a focal point of the emerging deal. In a televised statement, Netanyahu said he would present the ceasefire to Cabinet ministers later on Tuesday, setting the stage for an end to nearly 14 months of fighting. Netanyahu said the vote was expected later Tuesday. It was not immediately clear when the ceasefire would go into effect, and the exact terms of the deal were not released. The deal does not affect Israel’s war against Hamas in Gaza, which shows no signs of ending. BEIRUT — Lebanon’s state media said Israeli strikes on Tuesday killed at least 10 people in Baalbek province the country’s east. At least three people were killed in the southern city of Tyre when Israel bombed a Palestinian refugee camp, said Mohammed Bikai, a representative of the Fatah group in the area. He said several more people were missing and at least three children were among the wounded. He said the sites struck inside the camp were “completely civilian places” and included a kitchen that was being used to cook food for displaced people. JERUSALEM — Dozens of Israeli protesters took to a major highway in Tel Aviv on Tuesday evening to call for the return of the hostages held by Hamas in Gaza, as the country awaited news of a potential ceasefire in Lebanon between Israel and Hezbollah. Protesters chanted “We are all hostages,” and “Deal now!” waving signs with faces of some of the roughly 100 hostages believed to be still held in Gaza, at least a third of whom are thought to be dead. Most of the other hostages Hamas captured in the Oct. 7, 2023 attack were released during a ceasefire last year. The prospect of a ceasefire deal in Lebanon has raised desperation among the relatives of captives still held in Gaza, who once hoped that the release of hostages from Gaza would be included. Instead of a comprehensive deal, the ceasefire on the table is instead narrowly confined to Lebanon. Dozens of Israelis were also demonstrating against the expected cease-fire, gathering outside Israel’s military headquarters in central Tel Aviv. One of the protesters, Yair Ansbacher, says the deal is merely a return to the failed 2006 U.N. resolution that was meant to uproot Hezbollah from the area. “Of course that didn’t happen,” he says. “This agreement is not worth the paper it is written on.” FIUGGI, Italy — Foreign ministers from the world’s industrialized countries said Tuesday they strongly supported an immediate ceasefire between Israel and Hezbollah and insisted that Israel comply with international law in its ongoing military operations in the region. At the end of their two-day summit, the ministers didn’t refer directly to the International Criminal Court and its recent arrest warrants for Israeli Prime Minister Benjamin Netanyahu and his former defense minister over crimes against humanity . Italy had put the ICC warrants on the official meeting agenda, even though the G7 was split on the issue. The U.S., Israel’s closest ally, isn’t a signatory to the court and has called the warrants “outrageous.” However, the EU’s chief diplomat Josep Borrell said all the other G7 countries were signatories and therefore obliged to respect the warrants. In the end, the final statement adopted by the ministers said Israel, in exercising its right to defend itself, “must fully comply with its obligations under international law in all circumstances, including international humanitarian law.” And it said all G7 members — Canada, France, Germany, Italy, Japan, the United Kingdom and the United States – “reiterate our commitment to international humanitarian law and will comply with our respective obligations.” It stressed that “there can be no equivalence between the terrorist group Hamas and the State of Israel.” The ICC warrants say there's reason to believe Netanyahu used “starvation as a method of warfare” by restricting humanitarian aid and intentionally targeted civilians in Israel’s campaign against Hamas in Gaza — charges Israeli officials deny. BEIRUT — An Israeli strike on Tuesday levelled a residential building in the central Beirut district of Basta — the second time in recent days warplanes have hit the crowded area near the city’s downtown. At least seven people were killed and 37 wounded in Beirut, according to Lebanon’s Health Ministry. It was not immediately clear if anyone in particular was targeted, though Israel says its airstrikes target Hezbollah officials and assets. The Israeli military spokesman issued a flurry of evacuation warnings for many areas, including areas in Beirut that have not been targeted throughout the war, like the capital’s commercial Hamra district, where many people displaced by the war have been staying. The warnings, coupled with fear that Israel was ratcheting up attacks in Lebanon during the final hours before a ceasefire is reached, sparked panic and sent residents fleeing in their cars to safer areas. In areas close to Hamra, families including women and children were seen running away toward the Mediterranean Sea’s beaches carrying their belongings. Traffic was completely gridlocked as people tried to get away, honking their car horns as Israeli drones buzzed loudly overhead. The Israeli military also issued warnings for 20 more buildings in Beirut’s suburbs to evacuate before they too were struck — a sign it was aiming to inflict punishment on Hezbollah in the final moments before any ceasefire takes hold. TEL AVIV, Israel — The independent civilian commission of inquiry into the October 2023 Hamas attack on Israel has found Prime Minister Benjamin Netanyahu directly responsible for the failures leading up to the attack, alongside former defense ministers, the army chief and the heads of the security services. The civil commission presented its findings today after a four-month probe in which it heard some 120 witnesses. It was set up by relatives of victims of the Hamas attack, in response to the absence of any state probe. The commission determined that the Israeli government, its army and security services “failed in their primary mission of protecting the citizens of Israel.” It said Netanyahu was responsible for ignoring “repeated warnings” ahead of Oct. 7, 2023 for what it described as his appeasing approach over the years toward Hamas, and for “undermining all decision-making centers, including the cabinet and the National Security Council, in a way that prevented any serious discussion” on security issues. The commission further determined that the military and defense leaders bear blame for ignoring warnings from within the army, and for reducing the army’s presence along the Gaza border while relying excessively on technological means. On the day of the Hamas attack, the report says, the army’s response was both slow and lacking. The civil commission called for the immediate establishment of a state commission of inquiry into the Oct. 7 attack. Netanyahu has opposed launching a state commission of inquiry, arguing that such an investigation should begin only once the war is over. JERUSALEM -- The Israeli military says its ground troops have reached parts of Lebanon’s Litani River — a focal point of the emerging ceasefire. In a statement Tuesday, the army said it had reached the Wadi Slouqi area in southern Lebanon and clashed with Hezbollah forces. Under a proposed ceasefire, Hezbollah would be required to move its forces north of the Litani, which in some places is some 30 kilometers (20 miles) north of the Israeli border. The military says the clashes with Hezbollah took place on the eastern end of the Litani, just a few kilometers (miles) from the border. It is one of the deepest places Israeli forces have reached in a nearly two-month ground operation. The military says soldiers destroyed rocket launchers and missiles and engaged in “close-quarters combat” with Hezbollah forces. The announcement came hours before Israel’s security Cabinet is expected to approve a ceasefire that would end nearly 14 months of fighting. BEIRUT — Israeli jets Tuesday struck at least six buildings in Beirut’s southern suburbs Tuesday, including one that slammed near the country’s only airport. Large plumes of smoke could be seen around the airport near the Mediterranean coast, which has continued to function despite its location beside the densely populated suburbs where many of Hezbollah’s operations are based. The strikes come hours before Israel’s cabinet was scheduled to meet to discuss a proposal to end the fighting between Israel and Hezbollah. The proposal calls for an initial two-month ceasefire during which Israeli forces would withdraw from Lebanon and Hezbollah would end its armed presence along the southern border south of the Litani River. There were no immediate reports of casualties from Tuesday’s airstrikes. FIUGGI, Italy — EU top diplomat Josep Borrell, whose term ends Dec. 1, said he proposed to the G7 and Arab ministers who joined in talks on Monday that the U.N. Security Council take up a resolution specifically demanding humanitarian assistance reach Palestinians in Gaza, saying deliveries have been completely impeded. “The two-state solution will come later. Everything will come later. But we are talking about weeks or days,” for desperate Palestinians, he said. “Hunger has been used as an arm against people who are completely abandoned.” It was a reference to the main accusation levelled by the International Criminal Court in its arrest warrants against Israeli Prime Minister Benjamin Netanyahu and his former defense minister. Borrell said the signatories to the court, including six of the seven G7 members, are obliged under international law to respect and implement the court’s decisions. Host Italy put the ICC warrants on the G7 agenda at the last minute, but there was no consensus on the wording of how the G7 would respond given the U.S., Israel’s closest ally, has called the warrants “outrageous.” Italy, too, has said it respects the court but expressed concern that the warrants were politically motivated and ill-advised given Netanyahu is necessary for any deal to end the conflicts in Gaza and Lebanon. “Like it or not, the International Criminal Court is a court as powerful as any national court,” Borrell said. “And if the Europeans don’t support International Criminal Court then there would not be any hope for justice,” he said. Borrell, whose term ends Dec. 1, said he proposed to the G7 and Arab ministers who joined in talks on Monday that the U.N. Security Council take up a resolution specifically demanding humanitarian assistance reach Palestinians in Gaza, saying deliveries have been completely impeded. “The two-state solution will come later. Everything will come later. But we are talking about weeks or days,” for desperate Palestinians, he said. “Hunger has been used as an arm against people who are completely abandoned.” It was a reference to the main accusation levelled by the International Criminal Court in its arrest warrants against Israeli Prime Minister Benjamin Netanyahu and his former defense minister. Borrell said the signatories to the court, including six of the seven G7 members, are obliged under international law to respect and implement the court’s decisions. Host Italy put the ICC warrants on the G7 agenda at the last minute, but there was no consensus on the wording of how the G7 would respond given the U.S., Israel’s closest ally, has called the warrants “outrageous.” Italy, too, has said it respects the court but expressed concern that the warrants were politically motivated and ill-advised given Netanyahu is necessary for any deal to end the conflicts in Gaza and Lebanon. “Like it or not, the International Criminal Court is a court as powerful as any national court,” Borrell said. “And if the Europeans don’t support International Criminal Court then there would not be any hope for justice,” he said. (edited)NASHVILLE, Tenn. (AP) — Jacob Ognacevic had 25 points in Lipscomb's 112-54 victory over Division-III Asbury on Sunday night. Ognacevic added 12 rebounds for the Bisons (8-5). Charlie Williams scored 16 points while shooting 7 for 8, including 2 for 3 from beyond the arc. Will Pruitt shot 4 for 10, including 2 for 6 from beyond the arc to finish with 10 points. The Eagles were led in scoring by Cameron Jones, who finished with 19 points and seven rebounds. Johnathan Combs added 11 points for Asbury. Ben McNew also put up seven points. Lipscomb scored its most points since a 113-74 win over Asbury on Nov. 11, 2023. The Bisons topped the 100-point plateau four times last season. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Nepal’s “Free Visa, Free Ticket” policy, introduced in 2015, was hailed as a landmark effort to minimize migration costs for aspiring workers heading to Gulf countries and Malaysia. The policy aimed to ensure that employers bore the brunt of recruitment costs, leaving workers to pay only nominal fees for essential expenses such as medical tests and social security contributions. Yet, nearly a decade later, this policy’s promises remain largely unfulfilled. Migrant workers continue to grapple with exorbitant fees, misinformation, and systemic exploitation, resulting in cycles of debt and disillusionment. Free Visa, Free Ticket: Imagination vs. Reality The “Free Visa, Free Ticket” policy was designed to limit migration costs to around $75 per worker. However, interviews with migrant workers reveal a starkly different reality. Many report paying between $1,500 and $2,200 for recruitment services, amounts that far exceed Nepal’s annual GDP per capita, which was $1,324 at the end of 2023 . This discrepancy arises from a mix of weak enforcement and deeply entrenched corruption within the labor recruitment system. Recruitment agencies often exploit loopholes in the policy, charging workers for services like documentation and placement overseas, which employers are legally obligated to fund. Migrants are frequently unaware of the policy’s protections or feel powerless to challenge these practices. As one state official who previously worked in the Nepali Embassy in Saudi Arabia explained, “The lack of scrutiny and enforcement allows agencies to act with impunity. Political connections further shield them from accountability.” The result is that workers are forced to rely on informal loans from family, friends, or moneylenders, trapping them in debt even before they depart. Once abroad, many encounter misrepresented job positions, withheld wages, or lower-than-promised salaries, further compounding their financial struggles. The labor migration system is plagued by significant asymmetries in information and power. Migrants, particularly those from rural areas, often rely on subagents – informal intermediaries – to navigate the recruitment process. These subagents frequently provide incomplete or misleading information about job contracts, salaries, and working conditions abroad. For instance, some workers are promised roles as drivers or helpers but instead find themselves cleaning toilets or performing heavy manual labor upon arrival. As one migrant worker recounted, “The agency lied to me. I know how to do tailoring and was promised a tailoring job, but they sent me to clean toilets. I was disgusted by the work and left within two years.” Real-Life Impact of Nepal’s Policy Interviews conducted with migrants during field research highlight the pervasive and often systemic power imbalances in labor migration processes. Many participants recounted experiences of contract breaches and lack of accountability from recruiters. For instance, one returnee stated, “I was promised $300 a month, but I received only $200.” Another described being abandoned by their agent, who absconded with their passport and fees, leaving them stranded for months. Government-mandated orientation programs, which could empower migrants with vital information, are underutilized. Many workers pay agents to skip these sessions, citing logistical challenges like remote training locations and added travel costs. This lack of preparation leaves them ill-equipped to assert their rights abroad. Despite its bold intent, the “Free Visa, Free Ticket” policy suffers from systemic failures in governance and enforcement. Recruitment agencies and intermediaries operate within a deeply politicized ecosystem, where regulatory bodies often lack the autonomy or resources to enforce compliance. A manpower recruiter candidly noted, “There’s a network of agencies and political authorities that sustain the status quo. Even when irregularities are exposed, consequences are rare.” Embassies in destination countries, tasked with assisting Nepali workers, have faced criticism for inefficacy . Migrant interviews frequently depict them as unresponsive or ill-equipped to address grievances. This underscores the urgent need to strengthen the role of diplomatic missions in resolving disputes and advocating for workers’ rights. Nepal’s reliance on labor migration as an economic lifeline complicates efforts to reform the system. Remittances amounted to nearly 26.2 percent of the country’s GDP as of 2023 , making migrant workers indispensable to the national economy. This dependency often prioritizes volume over the welfare of individual workers. Competition among manpower companies for recruitment quotas exacerbates these issues. Agencies vie for contracts with Gulf-based employers, often at the expense of transparency and ethical practices. To offset their costs, they pass financial burdens onto workers, undermining the very premise of the “Free Visa, Free Ticket” policy. A Decade Later, Change Is Overdue Addressing the failures of Nepal’s migration system requires a multi-pronged approach. First, stricter enforcement of the “Free Visa, Free Ticket” policy is essential. The Ministry of Labor, Employment, and Social Security and embassies in Gulf countries and Malaysia must be empowered with greater autonomy and resources to effectively monitor agencies and penalize violations to ensure smooth transitions in the three stages of migration: prior to departure, while abroad, and after return. Regular audits of contracts and worker terms before departure can help prevent exploitation, while collaboration with destination countries is crucial to enforcing bilateral agreements. Second, enhancing transparency and information dissemination can empower migrants to make informed decisions. Expanding the reach of orientation programs and integrating them into local communities can help ensure broader participation. Additionally, maintaining a centralized, publicly accessible database of recruitment agencies, contracts, and violations will enhance transparency and accountability throughout the entire process. Third, embassies in destination countries must play a more proactive role in protecting workers. Establishing a dedicated grievance mechanism for redress with clear timelines and regional offices and trained personnel for prompt complaint handling is essential, particularly in high-migrant-flow areas. Embassies should play a proactive role in addressing worker grievances and ensuring their rights are upheld. Finally, fostering collaboration between the public and private sectors is crucial for establishing ethical recruitment practices. South Korea’s Employment Permit System offers a compelling model where government oversight works in tandem with regulated private sector involvement to ensure fairness and transparency. By centralizing recruitment, training, and oversight, the system minimizes opportunities for exploitation while addressing economic needs and worker welfare. This highlights the potential for balanced partnerships to create ethical and effective labor migration frameworks. The “Free Visa, Free Ticket” policy was a step in the right direction, but its impact has been diluted by systemic weaknesses and exploitative practices. A decade on, the urgency to address these gaps has only intensified. The power imbalances and financial burdens faced by Nepali migrants are not merely individual struggles but reflections of broader structural issues within the labor export economy. By strengthening governance, enhancing accountability for intermediaries, and prioritizing the rights and well-being of migrant workers, Nepal can transform its migration system into one that truly delivers on the promises of opportunity and equity. For the millions of Nepali workers who brave these journeys, such reforms are not just necessary – they are long overdue. The field research for this piece was conducted by the author in partnership with Nepal Institute for Policy Research (NIPoRe) in December 2023-January 2024.
SEOUL, South Korea (AP) — South Korean law enforcement officials on Monday requested a court warrant to detain impeached President Yoon Suk Yeol as they investigate whether his short-lived martial law decree on Dec. 3 amounted to rebellion. The Corruption Investigation Office for High-Ranking Officials, which is leading a joint investigation with police and military authorities into the power grab that lasted only a few hours, confirmed it requested the warrant from the Seoul Western District Court. They plan to question Yoon on charges of abuse of authority and orchestrating a rebellion. The warrant request came after Yoon dodged several requests by the joint investigation team and public prosecutors to appear for questioning and also blocked searches of his offices. While Yoon has the presidential privilege of immunity from criminal prosecution, such protections don’t extend to allegations of rebellion or treason. It’s not clear whether the court will grant the warrant or whether Yoon can be compelled to appear for questioning. Under the country’s laws, locations potentially linked to military secrets cannot be seized or searched without the consent of the person in charge, and it’s unlikely that Yoon will voluntarily leave his residence if he faces detention. There are also concerns about possible clashes with Yoon’s presidential security service if authorities attempt to forcibly detain him. Yoon’s presidential powers were suspended after the National Assembly voted to impeach him on Dec. 14 over his imposition of martial law, which lasted only hours but has triggered weeks of political turmoil, halted high-level diplomacy and rattled financial markets. Yoon’s fate now lies with the Constitutional Court, which has begun deliberations on whether to uphold the impeachment and formally remove Yoon from office or reinstate him. The National Assembly voted last week to also impeach Prime Minister Han Duck-soo, who had assumed the role of acting president after Yoon’s powers were suspended, over his reluctance to fill three Constitutional Court vacancies ahead of the court’s review of Yoon’s case. The country’s new interim leader is Deputy Prime Minister Choi Sang-mok, who is also finance minister. To formally end Yoon’s presidency, at least six justices on the nine-member Constitutional Court must vote in favor. Three seats are currently vacant following retirements and a full bench could make conviction more likely. Choi, who has been handling the government’s response to a plane crash on Sunday that killed 179 people, has yet to say whether he intends to appoint the Constitutional Court justices. In a separate criminal investigation of Yoon, authorities have already arrested his defense minister, police chief and several other military commanders involved in the attempt to enforce the martial law decree, which harkened back to the days of authoritarian leaders the country hasn’t seen since the 1980s. Yoon and his military leadership have been accused of attempting to block the National Assembly from voting to end martial law by sending hundreds of heavily armed troops to encircle the building. Lawmakers who managed to get in voted unanimously 190-0 to lift martial law, hours after Yoon declared it in a late-night television address. Yoon has also been accused of ordering defense counterintelligence officials to detain key politicians, including opposition leader Lee Jae-myung, National Assembly Speaker Woo Won Shik and the ex-leader of his own conservative party, Han Dong-hun, a reformist who supported investigations into corruption allegations against first lady Kim Keon Hee. Yoon has defended the martial law decree as a necessary act of governance, portraying it as a temporary warning against the liberal opposition Democratic Party, which he has described as an “anti-state” force obstructing his agenda with its majority in the National Assembly. Yoon has claimed he had no intention to paralyze the functioning of the assembly, saying that the troops were sent to maintain order, and also denied planning to arrest politicians. Yoon’s claims have been denied by Kwak Jong-keun, the now-arrested commander of the Army Special Warfare Command, who testified in the National Assembly that Yoon called for troops to “quickly destroy the door and drag out the lawmakers who are inside” the assembly’s main chamber where the vote occurred. Kwak said he did not carry out Yoon’s orders. The joint investigation team has also questioned Maj. Gen. Moon Sang-ho, commander of the Defense Intelligence Command, who has also been arrested over suspicions that he sent troops to the National Election Commission in Gwacheon city after Yoon declared martial law. Yoon has defended the troop deployment to the election commission, which happened at the same time as the military operation at the National Assembly, saying it was necessary to investigate supposed vulnerabilities in the commission’s computer systems potentially affecting the credibility of election results. Yoon’s failure to offer any evidence in support of his claims has raised concerns that he was endorsing conspiracy theories on right-wing YouTube channels that April’s parliamentary elections were rigged. The Democratic Party won those elections by a landslide. The election commission rejected Yoon’s allegations, stating there was no basis to suspect election fraud.
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India has been in one of the longest bull markets, with this phase starting in March 2020, and nearing five years now, said Prashant Khemka, founder of WhiteOak Capital Management. He thinks that we have been somewhat spoiled by the returns over the past five years. In the recent months, the stock market has come off its highs, but that’s nothing unusual or abnormal. “We’ve come to expect equity-market returns with fixed-income-like consistency, which isn’t a reasonable expectation," he said, adding, “We should temper both our return expectations—aiming for low double digits rather than mid-teens—and our expectations for consistency". Looking ahead to 2025, Khemka expects pre-tax market returns of 10-11%. To begin with, if you were to get 10 lakh, where would you invest? Assuming all living expenses are covered, my approach is always the same. Essentially, all available money is entirely invested in . These days, my wife handles these investments based on standing instructions. If there happens to be any excess money, we invest it in mutual funds or other investment vehicles of WhiteOak. Occasionally, I even say jokingly that the only times my wife and I argue are when she might slip up and leave money idle in the bank for a few days instead of deploying it into the market. We are always fully invested in equities and have never prioritized fixed deposit as investment. So, that continues to be the case. Considering what you said, how would you look at diversification, given that many have pointed out that diversification is key in a volatile market. So, how would you look at that? Diversifying across asset classes comes at a cost. Equity has been the best-performing asset class over extended periods of time. Since I entered the markets in 1985, both personal experience and historical data show that equity markets deliver the highest long-term returns for passive investors. While running a business may yield higher returns, I firmly believe equity markets will continue to lead as investments. Our team also strives to generate returns above the market average, creating a total return that is hard to match in other asset classes. From my perspective, the additional returns from equity investments more than compensate for the lost diversification benefits. I understand that you believe equity offers long-term superior returns and are quite optimistic about the asset class. However, given the past rally and current uncertainty, should investors consider tempering their return expectations? It depends on what the return expectations are. However, at any point in time, if you ask me about expected returns over the next 12 months or any specific period, I would estimate low double digits on an annualized basis. That hasn’t changed, and it remains my base case expectation at this time, too. It’s like flipping a coin ten times—my expectation would always be five heads and five tails. In reality, the outcome could be six-four, eight-two, or even ten-zero, but with enough flips, it averages out to 50-50. Similarly, Indian have consistently averaged in the low double digits if you look at the historical performance. Looking ahead, I expect similar returns of low double digit, roughly 10-11%, pre-tax. Many are worried about slowing earnings growth and the possibility of earnings downgrades. Do you share this concern? Concerns are always present in the market; there's never a time without them. People naturally look for risks, and there will always be something to focus on. These concerns aren’t new. It’s possible that, in the near term, with slightly slower economic growth last quarter, we could see this trend spill over into corporate earnings this quarter as well. However, that’s just part of the business cycle. Over the years, there have been periods of slower economic and earnings growth, followed by times of faster growth. If we experience slower growth in the coming months, it is entirely possible, but it does not necessarily mean the markets will perform poorly. Do you think these factors are already priced in? Geopolitical concerns and elections were major worries—have we moved past them? What other concerns do you see, and has the possibility of earnings downgrades or slowing growth been factored in? Yes, in my view, macro concerns are always factored in on a probabilistic basis—weighted by the likelihood of various outcomes. However, reality can sometimes turn out far worse or better than what the market has anticipated at a point in time. Also, what we think is priced in may differ significantly from what the market has actually accounted for. For example, if we look back five years to the end of 2019 and if we were told everything that would unfold during covid-19, we might have expected markets to perform very poorly. Most people, including myself, could have been tempted to stay in cash or shift to safer asset classes. Yet, March 23, 2020, marked the market's bottom, even when the total reported Covid-19 cases in India were only around 500, with approximately only 100 cases reported for that day. Despite the subsequent surge in cases, millions of deaths, and extended lockdowns, the market began rallying from March 24th onwards. Why? Because it had already factored in these outcomes and more. The market assessed the long-term impact of these developments on corporate cash flows and determined that the present value of those cash flows was not materially affected as one might have feared just a few days prior. Since you brought up holding cash, some fund managers are currently maintaining cash levels as high as 50-80%. What’s your perspective on this? Our team is always able to find opportunities. Forget about holding 50-80% cash - our team generally does not even have 50 to 80 basis points of cash in the portfolio, meaning we don’t even have 0.5% to 0.8% in cash on many of the days because we are fully invested. We don’t make market timing calls; we are typically fully invested, with cash levels of less than 1%. Our approach is that the market is fairly valued overall, but within that, some stocks will be overvalued and others undervalued. In a relative performance approach, it’s about identifying those undervalued names. To outperform the market and our peers, that's what we focus on. Has there ever been a time when you regretted being fully invested and not holding any cash? I wouldn't say regret, because I understand that market timing is not possible—this is my firm belief. Personally, or in portfolios, I was always fully invested at the peaks of 2000, during the Harshad Mehta bubble, at the 2008 peak, and just before Covid. Thankfully, I was also that followed those peaks. I've never felt I should have made a cash call, because I have resigned myself to the fact and the belief that markets cannot be timed, just like coin flips cannot be predicted. Which sectors look appealing to you in 2025? We firmly believe in the fair value of the market and maintain that it's not possible to predict which sector will outperform another at aggregate level. Our base case assumption is that all sectors will perform in line with the market over the next 12 months. While we understand that the various sectors will not give the same returns in any given year, it is still the most logical ex-ante assumption to make. That said, we may allocate more weight or less to certain sectors, either absolute or relative to the benchmark, based on where we see the most compelling bottom-up investment opportunities. For example, if most companies within a sector appear fairly valued in our assessment, we may choose to invest less in that sector, as the expected upside or downside is limited. On the other hand, if we see significant disparities in valuations within a sector—where some companies are highly overvalued and others highly undervalued—we may allocate more to that sector as we seek to capture the upside from the undervalued opportunities. Currently, we are finding more of such opportunities in healthcare, information technology services, financials, consumption, and industrials. We have higher allocations in our portfolios in these areas, both collectively and individually. So, the market is currently in a state of limbo, waiting for a clear direction. What are the key triggers that could provide that clarity and drive the market forward? It depends on how you define "limbo." If you look at it, we’re in one of s, with this bull market starting in March 2020, around March 23rd, and nearing five years now. I wouldn’t necessarily call it a limbo; I think we've been somewhat spoiled by the returns over the past five years. (like the BSE 500) has had mid-teens returns, with small and mid-caps up by mid-20s. In the past couple of months, there’s been a slight dip, but that's nothing abnormal. We’ve come to expect equity market returns with fixed-income-like consistency, which isn’t a reasonable expectation. We should temper both our return expectations—aiming for low double digits rather than mid-teens—and our expectations for consistency. We’ve mostly seen upward volatility over the past five years, otherwise occasional pullbacks of 10-20% are within the realm of usual market movements. Lastly, what are the common mistakes investors make throughout their investing journey, and how can they avoid them? The biggest mistake retail investors make is not allocating enough to equities, followed by trying to time the market. For instance, during the Covid crisis, many pulled out of the market due to fear, only to re-enter much later at substantially higher levels. based on macro developments often harms long-term returns. The key is to seek advice from financial advisers to decide on a comfortable equity allocation and stick with it over time. Avoid speculative trading or constantly changing your strategy based on short-term market movements or media headlines.Latest Market News Today Live Updates: Catch today's market wrap-up! Track Nifty 50 and Sensex movements, along with top gainers and losers. See how Asian and US markets fared and which sectors led the charge (or declined). Summary: Follow Mint's market blog for real-time updates on your favourite companies. This blog keeps you informed on all things Dalal Street and global markets. Stock Market News Today Live Updates: JSW Energy’s O2 Power acquisition tells us buying is better than building assetsThe Philippine Daily Inquirer, through its corporate social responsibility (CSR) arm, the Inquirer Foundation, continues to inspire and empower Filipinos across generations. Through a variety of impactful initiatives, the foundation bridges gaps within communities, fostering partnerships and meaningful connections nationwide. Since its launch in 2019, INQskwela has reached 10 local governments, benefiting over 60,000 learners across 94 schools and strengthening ties with local governments in Eastern Samar, Manila, Davao del Sur and Baguio. Memorandum of agreement signings and culminating activities have cemented these collaborations. Designed as a response to the Philippines’ low ranking in the Programme for International Student Assessment for reading, math and science, INQskwela integrates news content into lesson plans to promote literacy, critical thinking and readership among students. Teachers enhance lessons in social studies and English using INQPlus, making education more engaging and relevant. Culminating activities have included a quiz bee held in partnership with the Baguio LGU in May, and a journalism workshop held in November at Frances National High School in Calumpit, Bulacan, led by Inquirer editors Volt Contreras and Robert Jaworski Abaño. These initiatives help enrich student learning and offer unique benefits to partner schools and communities. This year, the Inquirer Read-Along program conducted five sessions, including a festival, in partnership with organizations, such as PLDT-Smart, McDonald’s, Philippine Airlines, Metrobank Foundation and Okada Manila. Over 200 children attended in-person sessions, while thousands more engaged online via the Inquirer Facebook page. NEVER-ENDING SUCCESS STORY The longest-running Inquirer advocacy, which promotes the love of reading among children turned 17 this year, finding solid partners for its sessions like the Metrobank Foundation (above) and cool venues like the Christmas Village of Okada Manila (below). —EUGENE ARANETA The program also held a special session for senior citizens, showcasing its commitment to fostering intergenerational connections and celebrating the joy of reading with people of all ages. On its 31st year, the Inquirer Journalism Scholarship Program expanded its support for aspiring journalists in partnership with AboitizPower. Three University of the Philippines (UP) students—Andre Esguerra, Lau Bacia and Jaemie Talingdan—were awarded scholarships, which include stipends, book allowances, communication support and lodging for two academic years. This collaboration underscores the Inquirer Foundation’s dedication to nurturing future journalists who will contribute to nation-building through credible and impactful storytelling. The Inquirer ESG Edge initiative highlights the Inquirer Group of Companies’ (IGC) commitment to advancing sustainability through impactful partnerships and regional collaboration. As one of the three founding members of the Asia Sustainability Impact Consortium, alongside Malaysia’s Star Media Group and Indonesia’s Kompas Gramedia, the Inquirer is part of a pioneering cross-border alliance launched in June that collectively reaches 123 million individuals across Southeast Asia to help amplify sustainability efforts and foster regional awareness. As the Philippine representative in the consortium, IGC collaborates with 15 organizations from the business, civic, education and environmental sectors to promote sustainable practices. These esteemed partners include the Philippine Business for Social Progress, Philippine Business for Education, World Wide Fund for Nature Philippines, Philippine Center for Environmental Protection and Sustainable Development Inc., Center for Conservation Innovations PH Inc., Foundation for the Philippine Environment, Environmental Studies Institute, Philippine Initiative for Environmental Conservation, Allianz PNB Life, British Chamber of Commerce, League of Corporate Foundations, Ateneo Institute of Sustainability, Management Association of the Philippines, SustainablePH and Circularity Club 22. DEEP DIVE The first ESG Edge forum held in September tackled the state of education and gender equality, hearing from speakers who offered both insights and hard data. —EUGENE ARANETA Through these partnerships, Inquirer ESG Edge strives to educate the public and stakeholders about the importance of Environmental, social and governance (ESG) principles, creating a community that shares insights and informed discussions on critical sustainability issues. As part of its advocacy, Inquirer ESG Edge publishes weekly features and specials that address pressing ESG challenges and highlight innovative solutions. These articles, enriched by contributions from partner organizations, aim to inspire action and promote best practices. The initiative also offers interactive learning opportunities through Inquirer ESG Connect, a platform for webinars, workshops and forums that bring stakeholders together. In 2024, ESG Connect hosted two notable discussions: a session on quality education and gender equality in September and a forum on hybrid energy solutions in November. These events provided participants valuable insights and fostered collaboration on sustainable development strategies. By leveraging its extensive network and commitment to ESG advocacy, the Inquirer ESG Edge initiative serves as a catalyst for meaningful change, driving progress toward a more sustainable future for the Philippines and the broader Southeast Asian region. The Inquirer Internship and Immersion Program welcomed 64 student interns from universities nationwide in 2024. Interns from the Polytechnic University of the Philippines, University of the East (UE), University of Asia and the Pacific, University of Santo Tomas, AMA University and Colleges, Bicol University, UP Baguio, UP Los Baños, UE Caloocan, De La Salle-College of Saint Benilde, Far Eastern University, Ateneo de Manila University, Batangas State University, FAITH Colleges, Adamson University, International School Manila, and St. Francis of Assisi gained hands-on experience across departments, such as Marketing, Information Technology, Human Resources, Lifestyle, Research, Sports, the Luzon Bureau and Distribution, preparing them for future careers while contributing to the Inquirer’s dynamic operations. Subscribe to our daily newsletter By providing an email address. I agree to the Terms of Use and acknowledge that I have read the Privacy Policy . In response to Supertyphoon “Carina” and Severe Tropical Storm “Kristine,” the Inquirer Foundation spearheaded relief efforts to support affected families. Through the generosity of donors and the collaboration of partners like the Tanging Yaman Foundation and Angat Buhay, over 320 families at Barangay Bagong Silangan in Quezon City; Lian, Batangas; and Noveleta, Cavite, received essential supplies and assistance. AID EFFORTS The company goes beyond reporting calamities but also reaches out to the affected communities , like in the aftermath of Supertyphoon “Carina” in September (upper photo) and Severe Tropical Storm “Kristine” in November. —PHOTOS BY JONG DIZON AND TANGING YAMAN FOUNDATION These efforts exemplify the Inquirer Foundation’s abiding commitment to solidarity and community support in times of need. On its 39th year, the Philippine Daily Inquirer and its foundation remain steadfast in their mission to empower communities, enhance education and promote sustainability. Through its diverse programs and initiatives, the Inquirer continues to do its part in building a brighter future for the Filipino. INQ
Mumbai: The Maharashtra State Board of Secondary and Higher Secondary Education (MSBSHSE) has released the exam schedules for Maharashtra's Class 10 and 12 board exams in 2025. The Class 10 exams are slated to commence on February 21 and conclude on March 17, 2025. Similarly, the Class 12 board exams will be held from February 11 to March 11, 2025. Both the exams will be held in two shifts: first shift from 11 am to 2 pm and second shift from 3 pm to 6 pm. The number of students registered for the Maharashtra HSC exams (12th board) stands at 15,13,909, of them 7,60,046 are registered in science stream, 3,81,982 in arts, and the remaining 3,29,905 in commerce. For class 10 (SSC exams), the exams will start with the first language (Marathi, Hindi, Urdu, Gujarati, etc.) paper in the first shift and the second language (German and French) paper in the second shift on February 21. While Maths part-1 will be held on March 5, it’ll be followed by Maths part-2 on March 7. Science and Technology part-1 and part-2 papers will be held on March 10 and March 12 respectively, and the exams will culminate with Social Science paper-1 and paper-2 on March 15 and March 17 respectively. Some experts have welcomed the move of scheduling the exams “10 days ahead of the previous years”. “Since exams will begin 10 days in advance, naturally the results will also be declared 10 days prior to the previous years. So, those students who may fail in one or two or three subjects, they will get 10 extra days to prepare for the supplementary exams,” Mahendra Ganpule, the former president of the state’s headmasters association, told the Free Press Journal. It is worth noting that the revised State Curriculum Framework for School Education (SCF-SE) had in October proposed that even if students fail in class 10 Maths and Science papers, and they score between 20-33 (34 being the passing marks), can still take admissions in class 11 in streams that do not have these subjects in Class XI as part of the curriculum.Romad Dean scores 16 to lead Fordham over Maine 87-72
After the first meeting to permit the public to have a say before Philadelphia City Council on the the controversial plan to bring a $1.3 billion arena to Center City ran late on Tuesday, Nov. 19, 2024, councilmembers heard from the public in earnest on Wednesday. And this time, instead of holding off public comment until later in the day, Wednesday's hearing permitted members of the public to start early. Darlene Olsen, the first person to speak at Wednesday's hearing opened to public comment, said that the project hasn't been presented with the needs of senior citizens in mind. "Those of us who are 65 and up, and came here for a good retirement life, have not been considered as a stakeholder group," she said. "But, we must not be ignored!" Get top local stories in Philly delivered to you every morning. Sign up for NBC Philadelphia's News Headlines newsletter. As she doesn't drive, Olsen said she relies on SEPTA for all travel and she wants the mass transit needs of senior residents of the communities where the arena would be built considered. Olsen was joined by Lynn Major, a West Philadelphia resident, who said as a Sixers fan, she sees no need for the team to get a change of venue, especially if it would cause issues in Center City. "The Sixers should stay where they are in South Philly. That's where they belong," said Major. Both women led a steady stream of comments from city residents opposed to the arena plan on Wednesday morning. "Chinatown has been asking to be at the table for our voices to be heard since day one of this arena proposal. Instead, this mayor has applied the full weight of her authority against the door to keep us out to sell out the people of Philadelphia to the developers behind closed doors," said Dave Kyu, who introduced himself as a sports writer for the Philadelphia Citizen. Gina Chang, who said she is a resident of the city's Old Kensington neighborhood, said she is against the plan as she noted the project would be exempt... Hayden Mitman
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