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VISTA, Calif.--(BUSINESS WIRE)--Nov 25, 2024-- Flux Power Holdings, Inc. (NASDAQ: FLUX ), a developer of advanced lithium-ion energy storage solutions for electrification of commercial and industrial equipment, today announced that on November 20, 2024, it received a letter from the Listing Qualifications Department of the Nasdaq Stock Market LLC (“Nasdaq”) notifying the Company that it was not in compliance with requirements of Nasdaq Listing Rule 5250(c)(1) as a result of not having filed its Quarterly Report on Form 10-Q for the period ended September 30, 2024 (“Form 10-Q”) and its Annual Report on Form 10-K for fiscal year ended June 30, 2024 (“Form 10-K”), with the Securities and Exchange Commission (“SEC”). This notification has no immediate effect on the listing of the Company’s common stock on the Nasdaq. Under the Nasdaq rules, the Company has until December 16, 2024, to submit to Nasdaq a plan to regain compliance with the Nasdaq Listing Rule. If Nasdaq accepts the Company’s plan, then Nasdaq may grant the Company up to 180 days from the prescribed due date for the Form 10-K to regain compliance, or April 14, 2025. If Nasdaq does not accept the Company’s plan, then the Company will have the opportunity to appeal that decision to a Nasdaq Hearings Panel. The Company is working diligently to complete its Form 10-K and Form 10-Q and plans to file its Form 10-K and Form 10-Q as promptly as practicable to regain compliance with the Listing Rule. About Flux Power Holdings, Inc. Flux Power (NASDAQ: FLUX) designs, manufactures, and sells advanced lithium-ion energy storage solutions for electrification of a range of industrial and commercial sectors including material handling, airport ground support equipment (GSE), and stationary energy storage. Flux Power’s lithium-ion battery packs, including the proprietary battery management system (BMS) and telemetry, provide customers with a better performing, lower cost of ownership, and more environmentally friendly alternative, in many instances, to traditional lead acid and propane-based solutions. Lithium-ion battery packs reduce CO2 emissions and help improve sustainability and ESG metrics for fleets. For more information, please visit www.fluxpower.com . Forward-Looking Statements This press release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, and other securities law. Forward-looking statements are statements that are not historical facts. Words and phrases such as “anticipated,” “forward,” “will,” “would,” “could,” “may,” “intend,” “remain,” “potential,” “prepare,” “expected,” “believe,” “plan,” “seek,” “continue,” “estimate,” and similar expressions are intended to identify forward-looking statements. These statements include, but are not limited to, the expected filing date of its Form 10-K and Form 10-Q and ability to regain compliance under the Nasdaq listing rule. All of such statements are subject to certain risks and uncertainties, many of which are difficult to predict and generally beyond the Company’s control, that could cause actual results to differ materially from those expressed in, or implied or projected by, the forward-looking information and statements. Such risks and uncertainties include, but are not limited to, the completion of the review and preparation of the Company’s financial statements and internal control over financial reporting and disclosure controls and procedures and the timing thereof; the discovery of additional information; delays in the Company’s financial reporting, including as a result of unanticipated factors; the Company’s ability to obtain necessary waivers or amendments to the Loan Agreement in the future; the risk that the Company may become subject to future litigation; the Company’s ability to remediate material weaknesses in its internal control over financial reporting; risks inherent in estimates or judgments relating to the Company’s critical accounting policies, or any of the Company’s estimates or projections, which may prove to be inaccurate; unanticipated factors in addition to the foregoing that may impact the Company’s financial and business projections and guidance and may cause the Company’s actual results and outcomes to materially differ from its estimates, projections and guidance; and those risks and uncertainties identified in the “Risk Factors” sections of the Company’s Annual Report on Form 10-K for the year ended June 30, 2023, and its other subsequent filings with the SEC. Readers are cautioned not to place undue reliance on these forward-looking statements. All forward-looking statements contained in this press release speak only as of the date on which they were made. Except to the extent required by law, the Company undertakes no obligation to update such statements to reflect events that occur or circumstances that exist after the date on which they were made. Flux, Flux Power, and associated logos are trademarks of Flux Power Holdings, Inc. All other third-party brands, products, trademarks, or registered marks are the property of and used to identify the products or services of their respective owners. Follow us at: Blog: Flux Power Blog News Flux Power News Twitter: @FLUXpwr LinkedIn: Flux Power View source version on businesswire.com : https://www.businesswire.com/news/home/20241125289701/en/ CONTACT: Media & Investor Relations: media@fluxpower.com info@fluxpower.comExternal Investor Relations: Chris Tyson,Executive Vice President MZ Group - MZ North America 949-491-8235 FLUX@mzgroup.us www.mzgroup.us KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: TECHNOLOGY BATTERIES ENERGY OTHER ENERGY SOURCE: Flux Power Holdings, Inc. Copyright Business Wire 2024. PUB: 11/25/2024 04:01 PM/DISC: 11/25/2024 04:01 PM http://www.businesswire.com/news/home/20241125289701/enLuigi Mangione, 26, was charged with murdering UnitedHealthcare CEO Brian Thompson. Following his arrest, various claims about him circulated online, including speculation about an online manifesto that allegedly explained his motive for the killing. The post, attributed to "LM" on the blog site Substack, is titled “The Allopathic Complex and Its Consequences" and has been shared in various social media posts crediting Mangione as the author. VERIFY reader Tony texted us asking if the manifesto published to Substack is real. THE QUESTION Is the viral online post on Substack appearing to be written by Luigi Mangione real? THE SOURCES Substack spokesperson Dec. 9 press conference hosted by New York City Mayor Eric Adams The Wayback Machine archives of the Substack blog Commonwealth of Pennsylvania court records Various news reports on the handwritten document recovered by police THE ANSWER No, the viral online post published to Substack appearing to be written by Luigi Mangione isn’t real. WHAT WE FOUND Luigi Mangione had a three-page document with him when he was arrested that police say speaks to his alleged motive at the time of the killing, but claims the manifesto posted online was authored by Mangione are false. VERIFY analyzed excerpts of the handwritten document and found it doesn't match any of the language in the fake online manifesto. Substack also said it removed the account because it violates the platform’s content guidelines, “which prohibit impersonation.” During a Dec. 9 press conference , New York Police Commissioner Jessica Tisch said the handwritten document Mangione had on his person when arrested “speaks to both his motivation and mindset.” When asked if the handwritten document was posted online, the New York Police Department’s Chief of Detectives Joseph Kenny said, “Don’t know if it's online. As of right now, it's a handwritten three-page document.” While police haven’t publicly released the handwritten document, excerpts have been reported by various news outlets such as the Associated Press , The New York Times and CBS . According to these reports, the document was either independently reviewed or described to reporters by sources close to the investigation. The New York Times summarized the excerpts they reviewed, saying the handwritten document called Thompson’s killing a “symbolic takedown” of the healthcare industry and also referenced corruption and “power games.” CBS reported Mangione criticized the disparity between U.S. healthcare costs and life expectancy rates. We compared the quoted excerpts from the reports to the Substack manifesto posted online and found none of the language from the handwritten document appears in the manifesto. The fake manifesto also lacks any reference to healthcare costs or life expectancy rates. Substack didn’t provide details on when the account was removed from the platform, but VERIFY was able to use archived pages captured on The Wayback Machine to determine the account was likely created while Mangione was in police custody. The Wayback Machine allows users to view and access snapshots, or screenshots, of websites. This screenshot archive from The Wayback Machine of the Substack account attributed to Mangione was captured at 9:43 p.m. ET on Dec. 9. Text on the Substack page archived indicates it was created about two hours earlier, during the time Mangione would have been in custody. At around 1:45 p.m. on Dec. 9 , the NYPD announced Mangione had been arrested as a person of interest in Thompson’s murder. He was arraigned on Dec. 9 around 6:30 p.m., according to court records.
HENDERSON, Nev. (AP) — Ashlon Jackson scored a career-high 30 points and No. 14 Duke defeated No. 10 Kansas State, 73-62 on Monday, in the semifinals of the Ball Dawgs Classic. The Blue Devils (6-1) overcame an early 11-point deficit behind Jackon’s shooting hand to advance to Wednesday’s championship game against the winner of the game between No. 9 Oklahoma and DePaul. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.None
Lance Morrow, a journalist, author and essayist who helped define Time magazine’s once-dominant place in American commentary, using a historian’s eye and taut prose to distill the country’s tragedies, triumphs and evolving culture, died Nov. 29 at his home in Spencertown, New York. He was 85. The cause was prostate cancer, said his wife, Susan Brind Morrow. Morrow was both observer and narrator during a more than seven-decade career that included books and memoirs, more than 20 years with a coveted back-page column in Time, and, later, time as a contributing writer to outlets such as the Wall Street Journal. His reportage and essays were often written with a grand and literary sweep that sought to capture a moment or a mood, whether the horror of the Sept. 11, 2001, terrorist attacks or the collective grief after the explosion of the space shuttle Challenger in 1986. “The shuttle crew, spectacularly democratic (male, female, black, white, Japanese American, Catholic, Jewish, Protestant), was the best of us, Americans thought, doing the best of things Americans do,” Morrow wrote in Time. “The mission seemed symbolically immaculate, the farthest reach of a perfectly American ambition to cross frontiers. And it simply vanished in the air.” As an author, meanwhile, Morrow peered deeply inward – giving readers a sense of a man who felt privileged and burdened. In his 2023 autobiography “The Noise of Typewriters,” he recounted his place in a golden age of print journalism when Time ruled the newsstands. He was, he said, a proud chronicler of the American Century. Yet there were shadows. In “Heart: A Memoir” (1995), written after a second heart attack, he turned his health crises into a deeper exploration of his psyche: despair from his witness to bloodshed in the Balkans and elsewhere and his long-held anger at his parents, a well-connected Washington couple he described as distant and constantly bickering. “An accumulation of palpable rage” had churned up and tried to “kill” his heart, he wrote. “Taking it as a kind of tribute, a sacrifice of myself to the rage god.” (He had a third heart attack shortly after the book was published.) Morrow arrived at Time magazine in 1965, two years after landing a job out of college at the Washington Star. The magazine was near the peak of its influence, with co-founder Henry Luce no longer editor but serving as chairman of parent company Time Inc. Morrow soon became a star byline, covering the 1967 riots in Detroit and the Vietnam War. As the Watergate scandal began to unfold before the 1972 presidential election, Morrow and Hugh Sidey ended a piece with a cri de coeur to the American electorate. “There is a somewhat depressing loss of innocence in failing to expect more from the nation’s public officials,” they wrote. “Somewhere in all of this huge indifference, the principle of moral leadership may be sinking without a trace.” In 1976, Morrow became a regular essayist for Time’s back page – a showcase spot that was seen as the magazine’s intellectual touchstone for the week. Morrow embraced the role. He infused his columns with references as diverse as Archimedes and Elvis. A column in 1979 on Iran’s Islamic Revolution avoided geopolitical hand-wringing and tried to put the toppling of the Western-supported monarchy in the context of other revolutions through history. In 1981, he wrote about modern celebrity gossip and followed the historical trail back to the Olympian quarrels of Zeus and Hera. Morrow’s views leaned conservative at times, including questioning the continued need for affirmative action. But he could give his imprimatur to liberal-backed initiatives such as environmental regulations and efforts to battle climate change. After the 9/11 attacks, Morrow issued what amounted to a call to arms. His piece, “The Case for Rage and Retribution,” was part of an entry that won Time a National Magazine Award for special issue coverage. “A day cannot live in infamy without the nourishment of rage. Let’s have rage,” Morrow wrote. “What’s needed is a unified, unifying, Pearl Harbor sort of purple American fury – ruthless indignation that doesn’t leak away in a week or two, wandering off into Prozac-induced forgetfulness or into the next media sensation.” Morrow left the Time staff in the mid-1990s but remained for more than a decade as a special writer on contract. Over his career, he was part of more than 100 cover stories and seven “Man of the Year” (now “Person of the Year”) profiles, including one of Soviet leader Mikhail Gorbachev in 1988. (He also wrote a “Women of the Year” story in 1976 that included first lady Betty Ford and tennis champion Billie Jean King.) Until earlier this year, Morrow produced a steady flow of columns for the Wall Street Journal, City Journal and others. In one of his last pieces, he took stock of President Joe Biden’s decision in July to bow out of the presidential race. “In this debacle, Biden’s laurels are withered; he does not deserve much glory,” he wrote in City Journal. Morrow also adopted the journalistic profile of an elder statesman – with a slightly jaded take on the profession’s trajectory in the internet age. “Being there is one of the imperatives of journalism,” he wrote in “The Noise of Typewriters.” “Or it used to be, before the age of screens, which changed everything. Being there is still a good idea.” ‘THINGS HAVE HAPPENED’ Lance Thomas Morrow was born in Philadelphia on Sept. 21, 1939, and raised in Washington. His father was a journalist whose jobs included Washington editor of the Saturday Evening Post and who later worked as a speechwriter and adviser to Nelson Rockefeller during his tenures as New York governor and vice president. His mother was a syndicated journalist for Knight newspapers and a writer. In books and essays, Morrow described his parents’ marriage as roiled by arguments and overshadowed by their mutual career ambitions. He recounted that for one summer, before he turned 10 years old, he and his older brother were left nearly alone at a family cottage with no electricity on Chesapeake Bay. Once a week, his father brought in supplies by car. “The past was full of grievances,” Morrow once said. “It lashed out, sometimes in the dark. The past was insane.” But his childhood also put him at the center of Washington’s political life. He was a Senate page, sometimes hustling down to the cafeteria to bring dishes of vanilla ice cream to Lyndon B. Johnson, then a Democratic senator from Texas. Morrow’s father sometimes loaned his car to the Rev. Martin Luther King Jr. when the civil rights leader was visiting the capital. As a teenager, Morrow was once part of a touch football game in Georgetown with the Kennedys. “I have done nothing memorable in my life, and yet all around me, things have happened,” he said. Morrow received a bachelor’s degree in English from Harvard University in 1963. He already had his first bylines before college working a summer job at the Danville News in central Pennsylvania. From 1963 to 1965, he was on the staff of the Washington Star, where one of his colleagues, future Washington Post reporter Carl Bernstein, became a lifelong friend. Morrow won the National Magazine Award in the essays and criticism category in 1981 for his columns at Time. He was finalist for the same award in 1991 for a cover story on the nature of evil – a project that included extensive interviews with Holocaust survivor and writer Elie Wiesel. Morrow returned to the subject in the book “Evil: An Investigation” (2003), which examined how factors including religion, literature and politics have influenced perceptions of malice and hatred through the ages. His other books include “The Chief: A Memoir of Fathers and Sons” (1985), a recollection of his relationship with his father; “Fishing in the Tiber” (1988), essays on American myths and history; and “The Best Year of Their Lives: Kennedy, Nixon, and Johnson in 1948” (2005), on how events in 1948 shaped three future presidents. From 1996 to 2006, Morrow was a professor of journalism at Boston University. His marriage to Brooke Wayne ended in divorce. He married Susan Brind, a journalist and writer, in 1988. Other survivors include two sons from his first marriage; and three grandchildren. In “The Noise of the Typewriters,” Morrow described journalism in almost Zen terms as a hunt for a defining moment of clarity. “Never be certain there is no meaning. Never be certain about anything too quickly. All journalism implies a concealed metaphysics – even a theology: All truth is part of the whole,” he wrote. “All is in motion. Be tolerant of chaos. Be patient. Wait for stillness. This is Journalism 101, according to me.” We invite you to add your comments. We encourage a thoughtful exchange of ideas and information on this website. By joining the conversation, you are agreeing to our commenting policy and terms of use . More information is found on our FAQs . You can modify your screen name here . Comments are managed by our staff during regular business hours Monday through Friday as well as limited hours on Saturday and Sunday. Comments held for moderation outside of those hours may take longer to approve. 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NEW YORK — Albertsons gave up on its merger with Kroger and sued its rival grocery chain on Dec. 11, saying the Harris Teeter parent didn't do enough to secure regulatory approval for the $24.6 billion tie-up. Kroger said that it disagreed "in the strongest possible terms." It said early Wednesday that Albertsons was responsible for "repeated intentional material breaches and interference throughout the merger process." The finger-pointing came a day after two judges halted the merger in separate court cases. Kroger and Albertsons in 2022 proposed what would be the largest grocery store combination in U.S. history. The companies said the deal would help them better compete with big retailers like Walmart, Costco and Amazon. Under the merger agreement, Kroger and Albertsons — who compete in 22 states but not South Carolina — agreed to sell 579 stores in places where their locations. But the Federal Trade Commission sued to block the merger earlier this year, saying it would raise prices and lower wages by eliminating competition. It also said the divestiture plan was inadequate and that C&S was ill-equipped to take on so many stores. NEW YORK — Macy's profit and sales declined in the third quarter as the department store chain wrestled with cautious spending by customers, rising competition and sluggish demand for cold-weather goods. The company's full quarterly financial report was delayed after it discovered late last month that an employee intentionally hid as much as $154 million in company expenses between late 2021 and the third quarter of this year, according to a Dec. 11 regulatory filing. Macy's said its internal investigation of the incident is completed and it found that the employee, who acted alone, hid $151 million in company delivery expenses, but that there will be no material impact on company's finances. It also said it was strengthening its existing controls and implemented additional changes designed to prevent a recurrence. The New York retailer which owns upscale Bloomingdale's and the cosmetics chain Bluemercury raised sales expectations for the year but lowered profit projections, sending it shares plunging. Earlier this week, activist investor Barington Capital Group asked Macy's to create a real estate arm, reduce spending and explore strategic options for some of its businesses. SAN FRANCISCO — Google on Dec. 11 unleashed another wave of artificial intelligence designed to tackle more of the work and thinking done by humans as it tries to stay on the technology's cutting edge while also trying to fend off regulatory threats to its empire. The next generation is being packaged under the Gemini umbrella, which was unveiled a year ago. Google is framing its release of Gemini 2.0 as a springboard for AI agents built to interpret images shown through a smartphone, perform a variety of tedious chores, remember the conversations consumers have with people, help video game players plot strategy and even tackle the task of doing online searches. Most of the latest AI technology will initially be confined to test groups and subscribers who pay $20 per month for Gemini Advanced, but some features will be made available through its search engine and mobile apps. Google is planning wider releases next year. Besides trying to outshine OpenAI and other startups, Google is trying to stay a step ahead of Apple. It's pushing forward even as the Justice Department is trying to break up the company to prevent further abusive practices by its search engine, which a judge recently declared is an illegal monopoly. SAN FRANCISCO — Apple is pumping more artificial intelligence into the latest iPhones during the holiday shopping season. It comes in the form of a free software update that includes a feature that enables users to create customized emojis within a matter of seconds. The Dec. 11 release of the upgraded operating system extends Apple’s expansion into AI months after rivals such as Samsung and Google began implanting the revolutionary on their devices. The update builds upon another one that came out in late October. The latest round of AI tricks includes “Genmojis,” Apple’s description of emojis that iPhone users will be able to ask the technology to create and then share. WASHINGTON — The Supreme Court is allowing a class-action lawsuit that accuses artificial-intelligence titan Nvidia of misleading investors about its past dependence on selling computer chips for the mining of volatile cryptocurrency to proceed. The justices heard arguments four weeks ago in Nvidia's bid to shut down the lawsuit, then decided that they were wrong to take up the case in the first place. They dismissed the company's appeal, leaving in place an appellate ruling allowing the case to go forward. The Dec. 11 decision comes the same week that China said it is investigating the the chip company over suspected violations of anti-monopoly laws. NEW YORK — Two luxury real estate brokers and their brother have been charged with sex trafficking, according to a federal indictment unsealed in Manhattan on Dec. 11. State charges were also filed in Florida against two of the brothers and a third man stemming from three alleged sexual assaults over the past decade. Federal prosecutors allege in the New York indictment that Oren and Tal Alexander, known for brokering deals on high-end properties in New York City and Miami, and sibling Alon Alexander worked together to "repeatedly and violently drug, sexually assault, and rape dozens of victims." The government said the Miami brothers used their wealth and influence to take advantage of victims from at least 2010 to 2021. Lawyers for the siblings did not immediately respond to an email seeking comment. TORONTO — Canada's central bank lowered its key interest rate by half a percentage point while highlighting the risk of U.S. President-elect Donald Trump's threat of tariffs on all Canadian products. The Bank of Canada's decision marked the fifth consecutive reduction since June and brings the its key rate down to 3.25 percent. The central bank noted a number of risks to the Canadian economy, including U.S. tariffs. Trump has threatened to impose a 25 percent tax on all products entering the U.S. from Canada and Mexico unless they stem the flow of migrants and drugs.‘Ek hain to safe hain has become country’s mahamantra’: PM Modi on victory in Maharashtra Assembly Elections 2024
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Access Hollywood star Kit Hoover SPLITS from husband Crowley Sullivan after 25 years of marriageLONDON (AP) — Brighton had most of the chances but could not find the net in a 0-0 draw with Brentford that extended the south coast club’s winless run in the Premier League to six games on Friday. It was a frustrating night for the home side and especially Julio Enciso. The Paraguay striker had a host of opportunities to score but couldn’t make them count. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get any of our free email newsletters — news headlines, obituaries, sports, and more.None
Once called a "monument of failure" of the UPA government by Prime Minister Narendra Modi, the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) was one of the flagship schemes launched during the Manmohan Singh government's first tenure, and it proved to be a lifeline for rural workers during the Covid-19 lockdown of 2020. Launched in 2005, the MGNREGS was one of the first major schemes brought by the Manmohan Singh government, which at that time had Left parties supporting it. The UPA government had then described it as a "landmark in our history in removing poverty from the face of the nation". The National Advisory Council (NAC) chaired by Congress leader Sonia Gandhi, which had several social activists and experts in an advisory role to the prime minister, also played a key role in shaping the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) based on the 'Right to Work'. The MGNREGA aims at enhancing the livelihood security of rural households by providing at least 100 days of guaranteed wage employment in a financial year to every household that has adult members engaged in unskilled manual work. The scheme was lauded for its impact on reducing distress migration from villages. However, as the National Democratic Alliance (NDA) government came to power in 2014, it appeared to be critical of the UPA's flagship rural job scheme and reports surfaced that it may be restricted to the most backward districts, triggering a backlash from activists. In 2015, Modi said in the Lok Sabha that the MGNREGS should not be discontinued as it is a "living monument" of the Congress's failure to tackle poverty in 60 years. Also Read: MGNREGA: Choking it to a slow death Paying tribute to former prime minister Manmohan Singh today, activist Nikhil Dey said the fulfilment of the National Common Minimum Programme initiated by the NAC and backed by social movements brought "significant and path-breaking economic rights legislations", empowering the unorganised and marginalised sectors through basic entitlements to food, employment, education and land, amongst others. "Manmohan Singh is considered to be the person who heralded economic liberalisation in India in the early 1990s. Yet the UPA government that he headed came to power in 2004, with a message from India's electorate that for a vast number of people, India was not shining and the market had not given them the benefits of economic growth," Dey said. He said the reforms undertaken during the UPA regime have withstood hostility from "market fundamentalists and subsequent governments" and have shown their enormous value, particularly during periods of economic recession — including Covid. "While there were many voices even in his cabinet who critiqued and opposed these measures, it was clear that Dr Manmohan Singh had himself realised that the market could not be relied on for distributive growth and ordinary people would have to be empowered economically, socially and politically for India to address poverty, malnutrition and deprivation," Dey said. The MGNREGA proved to be a lifeline for many in 2020, when a lockdown was enforced due to the Covid-19 pandemic, triggering a massive reverse migration to villages. According to a 2022 study conducted by the Azim Premji University in a partnership with the National Consortium of Civil Society Organisations on MGNREGA and Collaborative Research and Dissemination (CORD), the scheme helped compensate between 20 per cent and 80 per cent of the income loss incurred because of the lockdown for the most-vulnerable households. Former bureaucrat and activist Aruna Roy, who was a member of the NAC and played a crucial role in several rights-based laws being brought during the UPA regime, said the government under Singh introduced a range of reforms and favoured transparency. "The Manmohan Singh government initiated social audits in MGNREGA and was aware that transparency was an essential prerequisite to the more effective functioning of social sector legislations with a vast canvas, such as the employment guarantee, the right to food, the right to education and the forest rights Acts," Roy said. According to a recent statement from the rural development ministry, more than 6.7 crore workers from about 5 crore families across the country have been provided employment through MGNREGA in the 2024–25 financial year so far and more than half of the beneficiaries are women. Singh died at the All India Institute of Medical Sciences (AIIMS) in New Delhi on Thursday, 26 December 2024, at the age of 92. A seven-day national mourning has been declared in his honour. Also Read: Let Manmohan Singh’s last rites be at a place fit for a memorial: Kharge to ModiITV The Chase fans issue the same complaint over nail-biting round
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By Vanessa G. Sánchez, KFF Health News (TNS) LOS ANGELES — President-elect Donald Trump’s promise of mass deportations and tougher immigration restrictions is deepening mistrust of the health care system among California’s immigrants and clouding the future for providers serving the state’s most impoverished residents. At the same time, immigrants living illegally in Southern California told KFF Health News they thought the economy would improve and their incomes might increase under Trump, and for some that outweighed concerns about health care. Community health workers say fear of deportation is already affecting participation in Medi-Cal, the state’s Medicaid program for low-income residents, which was expanded in phases to all immigrants regardless of residency status over the past several years. That could undercut the state’s progress in reducing the uninsured rate, which reached a record low of 6.4% last year. Immigrants lacking legal residency have long worried that participation in government programs could make them targets, and Trump’s election has compounded those concerns, community advocates say. The incoming Trump administration is also expected to target Medicaid with funding cuts and enrollment restrictions , which activists worry could threaten the Medi-Cal expansion and kneecap efforts to extend health insurance subsidies under Covered California to all immigrants. “The fear alone has so many consequences to the health of our communities,” said Mar Velez , director of policy with the Latino Coalition for a Healthy California. “This is, as they say, not their first rodeo. They understand how the system works. I think this machine is going to be, unfortunately, a lot more harmful to our communities.” Alongside such worries, though, is a strain of optimism that Trump might be a boon to the economy, according to interviews with immigrants in Los Angeles whom health care workers were soliciting to sign up for Medi-Cal. Since Election Day, community health worker Yanet Martinez said, people are more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” Martinez said. (Vanessa G. Sánchez/KFF Health News/TNS) Clinics and community health workers encourage immigrants to enroll for health coverage through Medi-Cal and Covered California. But workers have noticed that fear of deportation has chilled participation. (Vanessa G. Sánchez/KFF Health News/TNS) Community health workers like Yanet Martinez encourage people to enroll for health benefits. But many California immigrants fear that using subsidized services could hurt their chances of obtaining legal residency. (Vanessa G. Sánchez/KFF Health News/TNS) Since Election Day, community health worker Yanet Martinez said, people are more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” Martinez said. (Vanessa G. Sánchez/KFF Health News/TNS) Selvin, 39, who, like others interviewed for this article, asked to be identified by only his first name because he’s living here without legal permission, said that even though he believes Trump dislikes people like him, he thinks the new administration could help boost his hours at the food processing facility where he works packing noodles. “I do see how he could improve the economy. From that perspective, I think it’s good that he won.” He became eligible for Medi-Cal this year but decided not to enroll, worrying it could jeopardize his chances of changing his immigration status. “I’ve thought about it,” Selvin said, but “I feel like it could end up hurting me. I won’t deny that, obviously, I’d like to benefit — get my teeth fixed, a physical checkup.” But fear holds him back, he said, and he hasn’t seen a doctor in nine years. It’s not Trump’s mass deportation plan in particular that’s scaring him off, though. “If I’m not committing any crimes or getting a DUI, I think I won’t get deported,” Selvin said. Petrona, 55, came from El Salvador seeking asylum and enrolled in Medi-Cal last year. She said that if her health insurance benefits were cut, she wouldn’t be able to afford her visits to the dentist. A street food vendor, she hears often about Trump’s deportation plan, but she said it will be the criminals the new president pushes out. “I’ve heard people say he’s going to get rid of everyone who’s stealing.” Although she’s afraid she could be deported, she’s also hopeful about Trump. “He says he’s going to give a lot of work to Hispanics because Latinos are the ones who work the hardest,” she said. “That’s good, more work for us, the ones who came here to work.” Newly elected Republican Assembly member Jeff Gonzalez, who flipped a seat long held by Democrats in the Latino-heavy desert region in the southeastern part of the state, said his constituents were anxious to see a new economic direction. “They’re just really kind of fed up with the status quo in California,” Gonzalez said. “People on the ground are saying, ‘I’m hopeful,’ because now we have a different perspective. We have a businessperson who is looking at the very things that we are looking at, which is the price of eggs, the price of gas, the safety.” Gonzalez said he’s not going to comment about potential Medicaid cuts, because Trump has not made any official announcement. Unlike most in his party, Gonzalez said he supports the extension of health care services to all residents regardless of immigration status . Health care providers said they are facing a twin challenge of hesitancy among those they are supposed to serve and the threat of major cuts to Medicaid, the federal program that provides over 60% of the funding for Medi-Cal. Health providers and policy researchers say a loss in federal contributions could lead the state to roll back or downsize some programs, including the expansion to cover those without legal authorization. California and Oregon are the only states that offer comprehensive health insurance to all income-eligible immigrants regardless of status. About 1.5 million people without authorization have enrolled in California, at a cost of over $6 billion a year to state taxpayers. “Everyone wants to put these types of services on the chopping block, which is really unfair,” said state Sen. Lena Gonzalez, a Democrat and chair of the California Latino Legislative Caucus. “We will do everything we can to ensure that we prioritize this.” Sen. Gonzalez said it will be challenging to expand programs such as Covered California, the state’s health insurance marketplace, for which immigrants lacking permanent legal status are not eligible. A big concern for immigrants and their advocates is that Trump could reinstate changes to the public charge policy, which can deny green cards or visas based on the use of government benefits. “President Trump’s mass deportation plan will end the financial drain posed by illegal immigrants on our healthcare system, and ensure that our country can care for American citizens who rely on Medicaid, Medicare, and Social Security,” Trump spokesperson Karoline Leavitt said in a statement to KFF Health News. During his first term, in 2019, Trump broadened the policy to include the use of Medicaid, as well as housing and nutrition subsidies. The Biden administration rescinded the change in 2021. KFF, a health information nonprofit that includes KFF Health News, found immigrants use less health care than people born in the United States. And about 1 in 4 likely undocumented immigrant adults said they have avoided applying for assistance with health care, food, and housing because of immigration-related fears, according to a 2023 survey . Another uncertainty is the fate of the Affordable Care Act, which was opened in November to immigrants who were brought to the U.S. as children and are protected by the Deferred Action Childhood Arrivals program. If DACA eligibility for the act’s plans, or even the act itself, were to be reversed under Trump, that would leave roughly 40,000 California DACA recipients, and about 100,000 nationwide , without access to subsidized health insurance. On Dec. 9, a federal court in North Dakota issued an order blocking DACA recipients from accessing Affordable Care Act health plans in 19 states that had challenged the Biden administration’s rule. Clinics and community health workers are encouraging people to continue enrolling in health benefits. But amid the push to spread the message, the chilling effects are already apparent up and down the state. “¿Ya tiene Medi-Cal?” community health worker Yanet Martinez said, asking residents whether they had Medi-Cal as she walked down Pico Boulevard recently in a Los Angeles neighborhood with many Salvadorans. “¡Nosotros podemos ayudarle a solicitar Medi-Cal! ¡Todo gratuito!” she shouted, offering help to sign up, free of charge. “Gracias, pero no,” said one young woman, responding with a no thanks. She shrugged her shoulders and averted her eyes under a cap that covered her from the late-morning sun. Since Election Day, Martinez said, people have been more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” she said. “They don’t want anything to do with it.” This article was produced by KFF Health News , which publishes California Healthline , an editorially independent service of the California Health Care Foundation . ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.By Vanessa G. Sánchez, KFF Health News (TNS) LOS ANGELES — President-elect Donald Trump’s promise of mass deportations and tougher immigration restrictions is deepening mistrust of the health care system among California’s immigrants and clouding the future for providers serving the state’s most impoverished residents. At the same time, immigrants living illegally in Southern California told KFF Health News they thought the economy would improve and their incomes might increase under Trump, and for some that outweighed concerns about health care. Community health workers say fear of deportation is already affecting participation in Medi-Cal, the state’s Medicaid program for low-income residents, which was expanded in phases to all immigrants regardless of residency status over the past several years. That could undercut the state’s progress in reducing the uninsured rate, which reached a record low of 6.4% last year. Immigrants lacking legal residency have long worried that participation in government programs could make them targets, and Trump’s election has compounded those concerns, community advocates say. The incoming Trump administration is also expected to target Medicaid with funding cuts and enrollment restrictions , which activists worry could threaten the Medi-Cal expansion and kneecap efforts to extend health insurance subsidies under Covered California to all immigrants. “The fear alone has so many consequences to the health of our communities,” said Mar Velez , director of policy with the Latino Coalition for a Healthy California. “This is, as they say, not their first rodeo. They understand how the system works. I think this machine is going to be, unfortunately, a lot more harmful to our communities.” Alongside such worries, though, is a strain of optimism that Trump might be a boon to the economy, according to interviews with immigrants in Los Angeles whom health care workers were soliciting to sign up for Medi-Cal. Since Election Day, community health worker Yanet Martinez said, people are more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” Martinez said. (Vanessa G. Sánchez/KFF Health News/TNS) Clinics and community health workers encourage immigrants to enroll for health coverage through Medi-Cal and Covered California. But workers have noticed that fear of deportation has chilled participation. (Vanessa G. Sánchez/KFF Health News/TNS) Community health workers like Yanet Martinez encourage people to enroll for health benefits. But many California immigrants fear that using subsidized services could hurt their chances of obtaining legal residency. (Vanessa G. Sánchez/KFF Health News/TNS) Since Election Day, community health worker Yanet Martinez said, people are more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” Martinez said. (Vanessa G. Sánchez/KFF Health News/TNS) Selvin, 39, who, like others interviewed for this article, asked to be identified by only his first name because he’s living here without legal permission, said that even though he believes Trump dislikes people like him, he thinks the new administration could help boost his hours at the food processing facility where he works packing noodles. “I do see how he could improve the economy. From that perspective, I think it’s good that he won.” He became eligible for Medi-Cal this year but decided not to enroll, worrying it could jeopardize his chances of changing his immigration status. “I’ve thought about it,” Selvin said, but “I feel like it could end up hurting me. I won’t deny that, obviously, I’d like to benefit — get my teeth fixed, a physical checkup.” But fear holds him back, he said, and he hasn’t seen a doctor in nine years. It’s not Trump’s mass deportation plan in particular that’s scaring him off, though. “If I’m not committing any crimes or getting a DUI, I think I won’t get deported,” Selvin said. Petrona, 55, came from El Salvador seeking asylum and enrolled in Medi-Cal last year. She said that if her health insurance benefits were cut, she wouldn’t be able to afford her visits to the dentist. A street food vendor, she hears often about Trump’s deportation plan, but she said it will be the criminals the new president pushes out. “I’ve heard people say he’s going to get rid of everyone who’s stealing.” Although she’s afraid she could be deported, she’s also hopeful about Trump. “He says he’s going to give a lot of work to Hispanics because Latinos are the ones who work the hardest,” she said. “That’s good, more work for us, the ones who came here to work.” Newly elected Republican Assembly member Jeff Gonzalez, who flipped a seat long held by Democrats in the Latino-heavy desert region in the southeastern part of the state, said his constituents were anxious to see a new economic direction. “They’re just really kind of fed up with the status quo in California,” Gonzalez said. “People on the ground are saying, ‘I’m hopeful,’ because now we have a different perspective. We have a businessperson who is looking at the very things that we are looking at, which is the price of eggs, the price of gas, the safety.” Gonzalez said he’s not going to comment about potential Medicaid cuts, because Trump has not made any official announcement. Unlike most in his party, Gonzalez said he supports the extension of health care services to all residents regardless of immigration status . Health care providers said they are facing a twin challenge of hesitancy among those they are supposed to serve and the threat of major cuts to Medicaid, the federal program that provides over 60% of the funding for Medi-Cal. Health providers and policy researchers say a loss in federal contributions could lead the state to roll back or downsize some programs, including the expansion to cover those without legal authorization. California and Oregon are the only states that offer comprehensive health insurance to all income-eligible immigrants regardless of status. About 1.5 million people without authorization have enrolled in California, at a cost of over $6 billion a year to state taxpayers. “Everyone wants to put these types of services on the chopping block, which is really unfair,” said state Sen. Lena Gonzalez, a Democrat and chair of the California Latino Legislative Caucus. “We will do everything we can to ensure that we prioritize this.” Sen. Gonzalez said it will be challenging to expand programs such as Covered California, the state’s health insurance marketplace, for which immigrants lacking permanent legal status are not eligible. A big concern for immigrants and their advocates is that Trump could reinstate changes to the public charge policy, which can deny green cards or visas based on the use of government benefits. “President Trump’s mass deportation plan will end the financial drain posed by illegal immigrants on our healthcare system, and ensure that our country can care for American citizens who rely on Medicaid, Medicare, and Social Security,” Trump spokesperson Karoline Leavitt said in a statement to KFF Health News. During his first term, in 2019, Trump broadened the policy to include the use of Medicaid, as well as housing and nutrition subsidies. The Biden administration rescinded the change in 2021. KFF, a health information nonprofit that includes KFF Health News, found immigrants use less health care than people born in the United States. And about 1 in 4 likely undocumented immigrant adults said they have avoided applying for assistance with health care, food, and housing because of immigration-related fears, according to a 2023 survey . Another uncertainty is the fate of the Affordable Care Act, which was opened in November to immigrants who were brought to the U.S. as children and are protected by the Deferred Action Childhood Arrivals program. If DACA eligibility for the act’s plans, or even the act itself, were to be reversed under Trump, that would leave roughly 40,000 California DACA recipients, and about 100,000 nationwide , without access to subsidized health insurance. On Dec. 9, a federal court in North Dakota issued an order blocking DACA recipients from accessing Affordable Care Act health plans in 19 states that had challenged the Biden administration’s rule. Clinics and community health workers are encouraging people to continue enrolling in health benefits. But amid the push to spread the message, the chilling effects are already apparent up and down the state. “¿Ya tiene Medi-Cal?” community health worker Yanet Martinez said, asking residents whether they had Medi-Cal as she walked down Pico Boulevard recently in a Los Angeles neighborhood with many Salvadorans. “¡Nosotros podemos ayudarle a solicitar Medi-Cal! ¡Todo gratuito!” she shouted, offering help to sign up, free of charge. “Gracias, pero no,” said one young woman, responding with a no thanks. She shrugged her shoulders and averted her eyes under a cap that covered her from the late-morning sun. Since Election Day, Martinez said, people have been more reluctant to hear her pitch for subsidized health insurance or cancer prevention screenings. “They think I’m going to share their information to deport them,” she said. “They don’t want anything to do with it.” This article was produced by KFF Health News , which publishes California Healthline , an editorially independent service of the California Health Care Foundation . ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.
"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" Thanks for your interest in Kalkine Media's content! To continue reading, please log in to your account or create your free account with us.Lions receiver Jameson Williams won't be charged for having a gun in a car
Tech slump slays Santa rally, weak yen lifts Japan stocks higherWASHINGTON — 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. 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. People are also reading... 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. Mark Schiefelbein, Associated Press 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. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts "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. J. Scott Applewhite, Associated Press 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. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors 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. Jon Bilous Most Menacing Loan Messengers 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. Olena Yakobchuk Loan Harassment Hotspots 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. Bumble Dee Billionaire Bets on Bad Credit 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. PeopleImages.com - Yuri A Lenders Try to Shutter CFPB 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. Cynthia Shirk Holidays, Interest Rates Not to Blame 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 From Q1 2021 to Q4 2022 Up 4% From Q4 2022 to Q1 2023 Up 6% From Q4 2023 to Q1 2024 Up 24% The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates From 3.08% in Q4 2021 to 3.82% in Q1 2022 From 6.66% in Q4 2022 to 6.37% in Q1 2023 From 7.30% in Q1 2023 to 6.75% in Q4 2024 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. Shutterstock Methodology 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 . Jon Bilous Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens 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. Photo illustration by Michael Flocker // Stacker // Canva Veterans struggle to find a path forward 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. Stacker Vets with mental health issues most at risk for homelessness 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. Stacker Get Government & Politics updates in your inbox!
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