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PANAMA CITY/COPENHAGEN: Panama’s President Jose Raul Mulino on Sunday dismissed recent threats made by US President-elect Donald Trump to retake control of the Panama Canal over complaints of “unfair” treatment of American ships. “Every square meter of the Panama Canal and its adjacent areas belongs to Panama and will continue belonging to Panama,” Mulino said in a video posted to X. Meanwhile, Greenland on Monday stressed that it was not for sale, after Trump again suggested he wanted the United States to take control of the strategic island that holds major mineral and oil reserves. Greenland’s Prime Minister Mute Egede quickly sought to quash any chance of a deal. “Greenland is ours. We are not for sale and will never be for sale. We must not lose our long struggle for freedom,” Mute Egede said in a statement. Mulino’s public comments, though never mentioning Trump by name, come a day after the president-elect complained about the canal on his Truth Social platform. “Our Navy and Commerce have been treated in a very unfair and injudicious way. The fees being charged by Panama are ridiculous,” he said. Trump also complained of China’s growing influence around the canal, a worrying trend for American interests as US businesses depend on the channel to move goods between the Atlantic and Pacific oceans. “It was solely for Panama to manage, not China, or anyone else,” Trump said. “We would and will NEVER let it fall into the wrong hands!” “Has anyone ever heard of the Panama Canal?” Trump said at AmericaFest, an annual event organized by Turning Point, an allied conservative group. “Because we’re being ripped off at the Panama Canal like we’re being ripped off everywhere else.” After the event, he posted an image on Truth Social of an American flag flying over a narrow body of water, with the comment: “Welcome to the United States Canal!” The Panama Canal, which was completed by the United States in 1914, was returned to the Central American country under a 1977 deal signed by Democratic president Jimmy Carter. Panama took full control in 1999. Trump said that if Panama could not ensure “the secure, efficient and reliable operation” of the channel, “then we will demand that the Panama Canal be returned to us, in full, and without question.” Mulino rejected Trump’s claims in his video message, though he also said he hopes to have “a good and respectful relationship” with the incoming administration. “The canal has no direct or indirect control from China, nor the European Union, nor the United States or any other power,” Mulino said. “As a Panamanian, I reject any manifestation that misrepresents this reality.” Later on Sunday, Trump responded to Mulino’s dismissal, writing on Truth Social: “We’ll see about that!” China does not control or administer the canal, but a subsidiary of Hong Kong-based CK Hutchison Holdings has long managed two ports located on the canal’s Caribbean and Pacific entrances. Trump offered to buy the vast Danish territory of Greenland during his first term in office — receiving an abrupt refusal — and he revived his push over the weekend when naming his ambassador to Copenhagen for his incoming administration. Greenland, the world’s largest island, is an autonomous Danish territory with its own parliament, about 55,000 inhabitants, and a small pro-independence movement. It relies on Denmark to fund more than half of its public budget. Trump on Sunday posted that “for purposes of National Security and Freedom throughout the World, the United States of America feels that the ownership and control of Greenland is an absolute necessity.” As president, he canceled a state trip to Denmark in 2019 after the country said Greenland was not for sale. Danish Prime Minister Mette Frederiksen at the time labelled Trump’s offer as “absurd”, leading him to term her dismissal of the idea as “nasty”. Frederiksen remains in her role of Danish prime minister. Under President Joe Biden, the United States said it did not want a purchase but instead sought to strengthen ties. The Danish government must state in clear terms that control over Greenland is not up for discussion or negotiation, member of parliament Rasmus Jarlov of the opposition Conservative Party said on social media platform X. “To the extent that US activities aim to take control of Danish territory, it must be prohibited and countered. Then they can’t be there at all,” said Jarlov, who heads parliament’s defense committee. The island, whose capital Nuuk is closer to New York than the Danish capital Copenhagen, boasts mineral, oil and natural gas wealth. But development has been slow, leaving its economy reliant on fishing and annual subsidies from Denmark. With its Pituffik air base, Greenland is strategically important for the US military and its ballistic missile early-warning system, since the shortest route from Europe to North America runs via the island. Since 2009 Greenland has held the right to declare independence from Denmark. The island of some 56,000 inhabitants, which relies on significant budget transfers from Copenhagen each year, has so far refrained from doing so. This is not the first time Trump has openly considered territorial expansion. In recent weeks, he has repeatedly mused about turning Canada into a US state, though it is unclear how serious he is about the matter. – AgenciesWASHINGTON — The House passed a $895 billion measure Wednesday 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. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Nebraska transportation director: Expressway system won't be done until 2042 At the courthouse, Dec. 7, 2024 Camper total loss after fire north of Beatrice Spreading kindness one butterfly at a time 27-year-old Beatrice man sentenced for May assault Stabler scores 22 in Lady O's season opening win BPS receives a "good" classification Holiday lights travel through downtown Beatrice for annual parade Orangemen open season with win over Nebraska City P.E.O. sponsors Holiday Tour of Homes Missouri man sentenced for attempted sexual assault At the courthouse, Nov. 30, 2024 Community Players open holiday play Amie Just: This recruiting class marks the beginning of a new era — one without walk-ons Lonnie Meyer 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 wanted to increase defense spending about $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 in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense 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, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. 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. 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. 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. 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. 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. 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. 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 . 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. 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. Some veterans struggle to find homes in their budget High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. 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. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
Missed kicks. Poor tackling. Costly penalties. Week 12 was filled with sloppy play around the NFL, leading to some upsets and surprising outcomes. Jayden Daniels nearly led Washington to an improbable comeback down 10 in the final two minutes against Dallas only to fall short because Austin Seibert's extra point sailed wide left. After a field goal and successful onside kick, Daniels connected with Terry McLaurin on an 86-yard catch-and-run touchdown to bring the Commanders within one point with 21 seconds remaining. But Seibert's point-after attempt failed and the Cowboys returned the ensuing onside kick for a touchdown to seal a 34-26 victory. Special teams were atrocious for both teams. Seibert also missed his first extra point and Washington allowed KaVontae Turpin's 99-yard kickoff return for a score earlier in the fourth quarter. The Cowboys missed a field goal, had another blocked and had a punt blocked. "What a wild special teams moment of blocked punts, kicks, kickoff returns, blocked field goals, just a number of things going to that spot," Commanders coach Dan Quinn said. Washington (7-5) was a 10 1/2-point favorite over the undermanned Cowboys (4-7) but ended up losing a third straight game. The Houston Texans were 8-point favorites against the lowly Tennessee Titans and let the game come down to Ka'imi Fairbairn missing a 28-yard field goal that would have tied it with just under two minutes left. C.J. Stroud threw two interceptions, was sacked four times and the Texans (7-5) committed 11 penalties, including an illegal shift that negated a go-ahead 33-yard TD pass to Nico Collins on the drive that ended with Fairbairn's miss in the 32-27 loss. The Titans (3-8) averaged just 17 points per game before putting 32 on the scoreboard against Houston's defense that entered No. 4 in the league. "We didn't do anything well enough to win this game," Texans coach DeMeco Ryans said. "Out of all the positives that we did have, there were way too many negatives. Too many negative plays. Score, get a penalty, get touchdowns called back. Get penalties on special teams. Just way too many negative plays defensively, like unexplainable explosives for touchdowns. We just didn't play good across the board." The San Francisco 49ers didn't have quarterback Brock Purdy, star edge rusher Nick Bosa and All-Pro left tackle Trent Williams against Green Bay. That was no excuse for their undisciplined performance. The Niners committed nine penalties and their tackling was shoddy in a 38-10 loss to the Packers. The defending NFC champions are 5-6 with a trip to Buffalo (9-2) coming up. They're still only one game behind Seattle and Arizona in the NFC West. "I'm really not concerned right now about how many guys were missing. We didn't play good enough, so that's not a factor. But, when you are missing some guys, you do have to be better. When you have those penalties and we didn't stop the run like we did and we had those three turnovers in the second half, that's how you get embarrassed." Coming off their first loss of the season, the two-time defending Super Bowl champion Chiefs needed Patrick Mahomes' heroics on the final drive to beat Carolina 30-27. Mahomes ran 33 yards to set up Spencer Schrader's 31-yard field goal as time expired. Kansas City had 10 penalties, including a pass interference that gave the Panthers (3-8) another chance to make the 2-point conversion that tied the game with 1:46 remaining. On defense, the Chiefs (10-1) suddenly shaky unit gave up 334 total yards against Bryce Young and an offense that entered last in the NFL. "We've got to do better. We're doing good in the red zone but that's only a third of the field," Chiefs safety Bryan Cook said. "We will go back and look at the film to see what we're doing week to week, and see the tendencies that we're giving up, and just move forward from there. At the end of the day, we're all vets in the room for the most part. ... got to go back to the drawing board and see what we're doing and correct it from there." The Vikings allowed the Bears to recover an onside kick with 21 seconds left and Caleb Williams followed with a 27-yard pass to D.J. Moore to set up Cairo Santos' tying 48-yard field goal. But Minnesota won in overtime, 30-27. The Chiefs and Vikings overcame their mistakes in narrow victories. The Commanders, Texans and 49ers couldn't. They have to be better down the stretch to make a playoff run. Get local news delivered to your inbox!JACKSONVILLE, Fla. — Greg McGarity had reason to be concerned. The Gator Bowl president kept a watchful eye on College Football Playoff scenarios all season and understood the fallout might affect his postseason matchup in Jacksonville. What if the Southeastern Conference got five teams into the expanded CFP? What if the Atlantic Coast Conference landed three spots? It was a math problem that was impossible to truly answer, even into late November. Four first-round playoff games, which will end with four good teams going home without a bowl game, had the potential to shake up the system. The good news for McGarity and other bowl organizers: Adding quality teams to power leagues — Oregon to the Big Ten, Texas to the SEC and SMU to the ACC — managed to ease much of the handwringing. McGarity and the Gator Bowl ended up with their highest-ranked team, No. 16 Ole Miss, in nearly two decades. "It really didn't lessen our pool much at all," McGarity said. "The SEC bowl pool strengthened with the addition of Texas and Oklahoma. You knew they were going to push traditional SEC teams up or down. Texas ended up pushing just about everyone down." The long waiting game was the latest twist for non-CFP bowls that have become adept at dealing with change. Efforts to match the top teams came and went in the 1990s and first decade of this century before the CFP became the first actual tournament in major college football. It was a four-team invitational — until this year, when the 12-team expanded format meant that four quality teams would not be in the mix for bowl games after they lose next week in the first round. "There's been a lot of things that we've kind of had to roll with," said Scott Ramsey, president of the Music City Bowl in Nashville, Tennessee. "I don't think the extra games changed our selection model to much degree. We used to look at the New York's Six before this, and that was 12 teams out of the bowl mix. The 12-team playoff is pretty much the same." Ramsey ended up with No. 23 Missouri against Iowa in his Dec. 30 bowl. A lot of so-called lesser bowl games do have high-profile teams — the ReliaQuest Bowl has No. 11 Alabama vs. Michigan (a rematch of last year's CFP semifinal), Texas A&M and USC will play in the Las Vegas Bowl while No. 14 South Carolina and No. 15 Miami, two CFP bubble teams, ended up in separate bowls in Orlando. "The stress of it is just the fact that the CFP takes that opening weekend," Las Vegas Bowl executive director John Saccenti said. "It kind of condenses the calendar a little bit." Bowl season opens Saturday with the Cricket Celebration Bowl. The first round of the CFP runs Dec. 20-21. It remains to be seen whether non-CFP bowls will see an impact from the new dynamic. They will know more by 2026, with a planned bowl reset looming. It could include CFP expansion from 12 to 14 teams and significant tweaks to the bowl system. More on-campus matchups? More diversity among cities selected to host semifinal and championship games? And would there be a trickle-down effect for everyone else? Demand for non-playoff bowls remains high, according to ESPN, despite increased focus on the expanded CFP and more players choosing to skip season finales to either enter the NCAA transfer portal or begin preparations for the NFL draft. "There's a natural appetite around the holidays for football and bowl games," Kurt Dargis, ESPN's senior director of programming and acquisitions, said at Sports Business Journal's Intercollegiate Athletics Forum last week in Las Vegas. "People still want to watch bowl games, regardless of what's going on with the playoff. ... It's obviously an unknown now with the expanded playoff, but we really feel like it's going to continue." The current bowl format runs through 2025. What lies ahead is anyone's guess. Could sponsors start paying athletes to play in bowl games? Could schools include hefty name, image and likeness incentives for players participating in bowls? Would conferences be willing to dump bowl tie-ins to provide a wider range of potential matchups? Are bowls ready to lean into more edginess like Pop-Tarts has done with its edible mascot? The path forward will be determined primarily by revenue, title sponsors, TV demand and ticket sales. "The one thing I have learned is we're going to serve our partners," Saccenti said. "We're going to be a part of the system that's there, and we're going to try to remain flexible and make sure that we're adjusting to what's going on in the world of postseason college football." Get local news delivered to your inbox!
NoneJACKSONVILLE, Fla. — Greg McGarity had reason to be concerned. The Gator Bowl president kept a watchful eye on College Football Playoff scenarios all season and understood the fallout might affect his postseason matchup in Jacksonville. What if the Southeastern Conference got five teams into the expanded CFP? What if the Atlantic Coast Conference landed three spots? It was a math problem that was impossible to truly answer, even into late November. Four first-round playoff games, which will end with four good teams going home without a bowl game, had the potential to shake up the system. The good news for McGarity and other bowl organizers: Adding quality teams to power leagues — Oregon to the Big Ten, Texas to the SEC and SMU to the ACC — managed to ease much of the handwringing. McGarity and the Gator Bowl ended up with their highest-ranked team, No. 16 Ole Miss, in nearly two decades. "It really didn't lessen our pool much at all," McGarity said. "The SEC bowl pool strengthened with the addition of Texas and Oklahoma. You knew they were going to push traditional SEC teams up or down. Texas ended up pushing just about everyone down." The long waiting game was the latest twist for non-CFP bowls that have become adept at dealing with change. Efforts to match the top teams came and went in the 1990s and first decade of this century before the CFP became the first actual tournament in major college football. It was a four-team invitational — until this year, when the 12-team expanded format meant that four quality teams would not be in the mix for bowl games after they lose next week in the first round. "There's been a lot of things that we've kind of had to roll with," said Scott Ramsey, president of the Music City Bowl in Nashville, Tennessee. "I don't think the extra games changed our selection model to much degree. We used to look at the New York's Six before this, and that was 12 teams out of the bowl mix. The 12-team playoff is pretty much the same." Ramsey ended up with No. 23 Missouri against Iowa in his Dec. 30 bowl. A lot of so-called lesser bowl games do have high-profile teams — the ReliaQuest Bowl has No. 11 Alabama vs. Michigan (a rematch of last year's CFP semifinal), Texas A&M and USC will play in the Las Vegas Bowl while No. 14 South Carolina and No. 15 Miami, two CFP bubble teams, ended up in separate bowls in Orlando. "The stress of it is just the fact that the CFP takes that opening weekend," Las Vegas Bowl executive director John Saccenti said. "It kind of condenses the calendar a little bit." Bowl season opens Saturday with the Cricket Celebration Bowl. The first round of the CFP runs Dec. 20-21. It remains to be seen whether non-CFP bowls will see an impact from the new dynamic. They will know more by 2026, with a planned bowl reset looming. It could include CFP expansion from 12 to 14 teams and significant tweaks to the bowl system. More on-campus matchups? More diversity among cities selected to host semifinal and championship games? And would there be a trickle-down effect for everyone else? Demand for non-playoff bowls remains high, according to ESPN, despite increased focus on the expanded CFP and more players choosing to skip season finales to either enter the NCAA transfer portal or begin preparations for the NFL draft. "There's a natural appetite around the holidays for football and bowl games," Kurt Dargis, ESPN's senior director of programming and acquisitions, said at Sports Business Journal's Intercollegiate Athletics Forum last week in Las Vegas. "People still want to watch bowl games, regardless of what's going on with the playoff. ... It's obviously an unknown now with the expanded playoff, but we really feel like it's going to continue." The current bowl format runs through 2025. What lies ahead is anyone's guess. Could sponsors start paying athletes to play in bowl games? Could schools include hefty name, image and likeness incentives for players participating in bowls? Would conferences be willing to dump bowl tie-ins to provide a wider range of potential matchups? Are bowls ready to lean into more edginess like Pop-Tarts has done with its edible mascot? The path forward will be determined primarily by revenue, title sponsors, TV demand and ticket sales. "The one thing I have learned is we're going to serve our partners," Saccenti said. "We're going to be a part of the system that's there, and we're going to try to remain flexible and make sure that we're adjusting to what's going on in the world of postseason college football." Be the first to know Get local news delivered to your inbox!NoneBNP leader suspended for assaulting driver, journo
LAS VEGAS (AP) — Trae Young might be the NBA's biggest enigma. Young's fans can point to numbers and say he's an elite player. His detractors can point to numbers and say he's overrated. Both arguments have validity. To some, his cocky ways are endearing. To others, they're infuriating. This can't be argued: He's helping Atlanta author one of the season's surprise stories. The Hawks are in the NBA Cup semifinals, set to play Milwaukee on Saturday before the other semifinal between Oklahoma City and Houston. The title game is Tuesday night. “When we talk about Trae, the word I like to use is evolution,” Hawks coach Quin Snyder said. “And every player evolves. They just evolve in different ways. He's been an important part of our young guys' growth and being able to elevate them.” The Hawks haven't had a ton of big moments in Young's seven seasons. But he has shown a propensity for rising to the occasion: ousting New York in the 2021 playoffs, ousting the Knicks from the quarterfinals of this tournament to get to Las Vegas — and now comes another chance on national TV on Saturday, facing the Bucks with a chance to play for a trophy. “I feel like this team has been embracing the challenge each and every night from the beginning of the season,” Young said. “We haven’t looked too far ahead in any moment. We’re just taking it day by day. Even though early on in the season we may have had some struggles and some bumps in the road and some guys out, we stuck with the process and focus on each day." Here's part of the pro-Young argument: He's averaging 21 points and 12 assists something that only Magic Johnson and Isiah Thomas have done over a full season, and he's on pace to lead the league in assist average for the first time. Here's part of the anti-Young argument: Among the 220 players with at least 50 3-point attempts this season he ranks 189th at 30.8%, and of the 248 players with at least 100 field goal attempts this season he ranks 231st at 38.4%. Choose your side. They're both valid. But it's clear that Young — who made no secret that he was upset over not being picked for the team that won gold for USA Basketball at the Paris Olympics this past summer — is growing and maturing. “He’s doing a better job on both ends of the floor,” Bucks coach Doc Rivers said. “Defensively he’s figured out a way of keeping himself out of actions. I know that sounds easy. That’s hard to do, and he’s brilliant at it, he really is. ... He must be really studying the game on both ends of the floor, and you can see that in his play. And he’s earned the trust of his players. This team likes playing with him, that’s obvious. I couldn’t say that in the past, but now they love playing with him.” Hawks forward Jalen Johnson doesn't deny that point. “He’s so good, man,” Johnson said. "It’s crazy, like just seeing it in person and on TV prior to me playing with the Hawks and getting drafted by the Hawks, it was crazy just watching it. A guy that’s undersized, being able to score at will, being able to make any pass at will. And then next thing you know you’re his teammate and you’re on the receiving end of those passes. “Watching those clutch late game buckets, it’s a joy to watch. It’s a gift that he has that’s very special and not many people have had it at that elite of a level. It’s been great being his teammate. It’s been a blessing.” Saturday is an opportunity. The semifinals are the only games on the NBA calendar for that day; the title game Tuesday — which doesn't count in the standings — is the only game on the NBA slate that night as well. Young will have tons of eyeballs on him Saturday and would have tons more on him Tuesday if the Hawks find a way to win another big game against the Bucks. They're 3-1 against Eastern Conference-leading Cleveland and Boston already this season, 1-0 against Milwaukee. The potential is clear for the Hawks. The potential for Young has always been clear as well. Only now, it's starting to be realized. “The narrative about me not being able to do certain things or being too mad or frustrated about certain things is — I mean, just aren’t true,” Young said. "I think you’re just now being able to see like with the young team we have, just some of the different things we’ve been doing this year, I think just now you’re starting to kind of see it because the results are showing and we’re winning now. We’re here in this final four of the Cup, and it’s a big deal.” AP NBA: https://apnews.com/hub/NBA
By MICHAEL RUBINKAM and MATTHEW BROWN Swaths of Pennsylvania and many other states are honeycombed with old, unstable mines that can cause the earth to suddenly give way — a phenomenon known as “ mine subsidence ” that poses a threat to people and property. That’s what searchers in Westmoreland County, just southeast of Pittsburgh, fear led to the disappearance of 64-year-old Elizabeth Pollard . Pollard and a young granddaughter were looking for a lost cat when she went missing Monday evening. At about the same time, a sinkhole appeared roughly 20 feet (6 meters) from where she had parked her car, in an area above an old coal mine. The granddaughter was found safe inside the car hours later, while the difficult and potentially dangerous search for Pollard continues. Mine subsidence has caused billions of dollars in damage in areas of the U.S. where mining once took place. In Pennsylvania alone, coal was mined in nearly half of the state’s 67 counties and there are at least 5,000 abandoned underground mines, leaving behind hazards that officials say can arise at any time. The Marguerite Mine that authorities believe resulted in the sinkhole was last operated in 1952 by the H.C. Frick Coke Co., according to the state Department of Environmental Protection. The coal seam in the area is about 20 feet (6 meters) beneath the surface. The state Bureau of Abandoned Mine Reclamation will examine the scene when the search concludes to see if the sinkhole was indeed caused by mine subsidence, spokesperson Neil Shader said. There are as many as 500,000 abandoned mines in the U.S. — far outnumbering those that are still active, according to the federal Mine Safety and Health Administration. Related Articles National News | Shooting at a Northern California elementary school and suspect is dead, sheriff’s office says National News | Dog food recalled in 7 states for salmonella risk after puppy litter gets sick, FDA says National News | White House says at least 8 US telecom firms, dozens of nations impacted by China hacking campaign National News | Powell: Fed’s independence from politics is vital to its interest rate decisions National News | United Healthcare CEO kept a low public profile. Then he was shot to death in New York In many cases their owners simply walked away from coal or precious metals mines when they became uneconomical to operate and declared bankruptcy, leaving behind safety hazards and costly pollution cleanups that public agencies must handle. Old mines pose myriad dangers , with 381 people killed and 152 injured at abandoned mine sites nationwide between 2000 and 2013, according to the U.S. Bureau of Land Management. Victims can fall into hidden shafts, get lost in underground tunnels or perish from poisonous gases present in many old coal mines. Mine shafts can extend hundreds of feet beneath the surface and often are unmarked. State and federal agencies have sealed off many old mines. But more are discovered every year and officials have yet to conduct basic risk analyses on most of the abandoned mines on federal land. Besides the safety hazards, millions of gallons of water loaded with arsenic, lead and other toxic metals flows daily from contaminated mine sites without being treated. Rubinkam reported form northeastern Pennsylvania and Brown reported from Billings, Montana.
According to the Indiana Department of Revenue, residents of Floyd, Gibson, Jay, Monroe, Rush and Switzerland counties will see more money taken out of their paychecks to cover the cost of county government services in the new year. The new local income tax rates in those counties are Floyd 1.89%, up from 1.39%; Gibson 1.3%, up from 0.9%; Jay 2.5%, up from 2.45%; Monroe 2.14%, up from 2.035%; Rush 2.15%, up from 2.1%; and Switzerland 1.45%, up from 1.25%. Records show three additional Indiana counties already hiked their income tax rate on Oct. 1: Fayette 2.82%, up from 2.57%; Fulton 2.88%, up from 2.68%; and Henry 2.02%, up from 1.8%. No changes are slated for the local income tax rates in Northwest Indiana that currently stand at 1.5% in Lake County, 0.5% in Porter County, 1.45% in LaPorte County, 1% in Newton County, and 2.864% in Jasper County. But those rates, and local income tax rates across Indiana, might be headed dramatically higher if Republican Gov.-elect Mike Braun succeeds next year in enacting his property tax reduction plan at the Republican-controlled General Assembly. Braun has proposed reverting residential property tax bills to their 2021 amount, regardless of any subsequent increase in the assessed value of the home, as well as increasing the value of residential property tax deductions and capping future property tax revenue growth. Those changes likely will result in a shift of the property tax burden onto rental, business, industrial and agricultural property owners, or higher local income tax rates if counties look to other ways of replacing the lost property tax revenue from owner-occupied homes. Though any local income tax increases will be partially offset by continuing reductions in the state's 3.05% income tax rate that's set to fall to 3% on Jan. 1, 2025, to 2.95% on Jan. 1, 2026, and to 2.9% on Jan. 1, 2027, according to House Enrolled Act 1001 (2023) . The rate cut means a Hoosier worker earning $50,000 a year will pay $1,500 in state income tax next year, instead of $1,525 — a savings of $25, or about $1 per biweekly paycheck. Hiking that same worker's county income rate by 1% would take an extra $500 a year out of the worker's wages, or about $20 from each check. Illinois has a 4.95% state income tax rate and no local income taxes. The combination of the two in Indiana means most Hoosiers are paying more of their earnings in state and local income tax than Illinois residents do.LAS VEGAS (AP) — Trae Young might be the NBA's biggest enigma. Young's fans can point to numbers and say he's an elite player. His detractors can point to numbers and say he's overrated. Both arguments have validity. To some, his cocky ways are endearing. To others, they're infuriating. This can't be argued: He's helping Atlanta author one of the season's surprise stories. The Hawks are in the NBA Cup semifinals, set to play Milwaukee on Saturday before the other semifinal between Oklahoma City and Houston. The title game is Tuesday night. “When we talk about Trae, the word I like to use is evolution,” Hawks coach Quin Snyder said. “And every player evolves. They just evolve in different ways. He's been an important part of our young guys' growth and being able to elevate them.” The Hawks haven't had a ton of big moments in Young's seven seasons. But he has shown a propensity for rising to the occasion: ousting New York in the 2021 playoffs, ousting the Knicks from the quarterfinals of this tournament to get to Las Vegas — and now comes another chance on national TV on Saturday, facing the Bucks with a chance to play for a trophy. “I feel like this team has been embracing the challenge each and every night from the beginning of the season,” Young said. “We haven’t looked too far ahead in any moment. We’re just taking it day by day. Even though early on in the season we may have had some struggles and some bumps in the road and some guys out, we stuck with the process and focus on each day." Here's part of the pro-Young argument: He's averaging 21 points and 12 assists something that only Magic Johnson and Isiah Thomas have done over a full season, and he's on pace to lead the league in assist average for the first time. Here's part of the anti-Young argument: Among the 220 players with at least 50 3-point attempts this season he ranks 189th at 30.8%, and of the 248 players with at least 100 field goal attempts this season he ranks 231st at 38.4%. Choose your side. They're both valid. But it's clear that Young — who made no secret that he was upset over not being picked for the team that won gold for USA Basketball at the Paris Olympics this past summer — is growing and maturing. “He’s doing a better job on both ends of the floor,” Bucks coach Doc Rivers said. “Defensively he’s figured out a way of keeping himself out of actions. I know that sounds easy. That’s hard to do, and he’s brilliant at it, he really is. ... He must be really studying the game on both ends of the floor, and you can see that in his play. And he’s earned the trust of his players. This team likes playing with him, that’s obvious. I couldn’t say that in the past, but now they love playing with him.” Hawks forward Jalen Johnson doesn't deny that point. “He’s so good, man,” Johnson said. "It’s crazy, like just seeing it in person and on TV prior to me playing with the Hawks and getting drafted by the Hawks, it was crazy just watching it. A guy that’s undersized, being able to score at will, being able to make any pass at will. And then next thing you know you’re his teammate and you’re on the receiving end of those passes. “Watching those clutch late game buckets, it’s a joy to watch. It’s a gift that he has that’s very special and not many people have had it at that elite of a level. It’s been great being his teammate. It’s been a blessing.” Saturday is an opportunity. The semifinals are the only games on the NBA calendar for that day; the title game Tuesday — which doesn't count in the standings — is the only game on the NBA slate that night as well. Young will have tons of eyeballs on him Saturday and would have tons more on him Tuesday if the Hawks find a way to win another big game against the Bucks. They're 3-1 against Eastern Conference-leading Cleveland and Boston already this season, 1-0 against Milwaukee. The potential is clear for the Hawks. The potential for Young has always been clear as well. Only now, it's starting to be realized. “The narrative about me not being able to do certain things or being too mad or frustrated about certain things is — I mean, just aren’t true,” Young said. "I think you’re just now being able to see like with the young team we have, just some of the different things we’ve been doing this year, I think just now you’re starting to kind of see it because the results are showing and we’re winning now. We’re here in this final four of the Cup, and it’s a big deal.” AP NBA: https://apnews.com/hub/NBAHow Kai Trump Is Sanitizing ‘Grandpa’ Trump on Social Media
