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2025-01-20
NEW YORK (AP) — U.S. stocks tiptoed to more records amid a mixed Tuesday of trading, tacking a touch more onto what’s already been a stellar year so far. The S&P 500 edged up by 2 points, or less than 0.1%, to set an all-time high for the 55th time this year. It’s climbed in 10 of the last 11 days and is on track for one of its best years since the turn of the millennium. The Dow Jones Industrial Average slipped 76 points, or 0.2%, while the Nasdaq composite added 0.4% to its own record set a day earlier. AT&T rose 4.6% after it boosted its profit forecast for the year. It also announced a $10 billion plan to send cash to its investors by buying back its own stock, while saying it expects to authorize another $10 billion of repurchases in 2027. On the losing end of Wall Street was U.S. Steel, which fell 8%. President-elect Donald Trump reiterated on social media that he would not let Japan’s Nippon Steel take over the iconic Pennsylvania steelmaker. Nippon Steel announced plans last December to buy the Pittsburgh-based steel producer for $14.1 billion in cash, raising concerns about what the transaction could mean for unionized workers, supply chains and U.S. national security. Earlier this year, President Joe Biden also came out against the acquisition. Tesla sank 1.6% after a judge in Delaware reaffirmed a previous ruling that the electric car maker must revoke Elon Musk’s multibillion-dollar pay package. The judge denied a request by attorneys for Musk and Tesla’s corporate directors to vacate her ruling earlier this year requiring the company to rescind the unprecedented pay package. All told, the S&P 500 rose 2.73 points to 6,049.88. The Dow fell 76.47 to 44,705.53, and the Nasdaq composite gained 76.96 to 19,480.91. In the bond market, Treasury yields held relatively steady after a report showed U.S. employers were advertising slightly more job openings at the end of October than a month earlier. Continued strength there would raise optimism that the economy could remain out of a recession that many investors had earlier worried was inevitable. The yield on the 10-year Treasury rose to 4.23% from 4.20% from late Monday. Yields have seesawed since Election Day amid worries that Trump’s preferences for lower tax rates and bigger tariffs could spur higher inflation along with economic growth. But traders are still confident the Federal Reserve will cut its main interest rate again at its next meeting in two weeks. They’re betting on a nearly three-in-four chance of that, according to data from CME Group. Lower rates can give the economy more juice, but they can also give inflation more fuel. The key report this week that could guide the Fed’s next move will arrive on Friday. It’s the monthly jobs report , which will show how many workers U.S. employers hired and fired during November. It could be difficult to parse given how much storms and strikes distorted figures in October. Based on trading in the options market, Friday’s jobs report appears to be the biggest potential market mover until the Fed announces its next decision on interest rates Dec. 18, according to strategists at Barclays Capital. In financial markets abroad, the value of South Korea’s currency fell 1.1% against the U.S. dollar following a frenetic night where President Yoon Suk Yeol declared martial law and then later said he’d lift it after lawmakers voted to reject military rule. Stocks of Korean companies that trade in the United States also fell, including a 1.6% drop for SK Telecom. Japan’s Nikkei 225 jumped 1.9% to help lead global markets. Some analysts think Japanese stocks could end up benefiting from Trump’s threats to raise tariffs , including for goods coming from China . Trade relations between the U.S. and China took another step backward after China said it is banning exports to the U.S. of gallium, germanium, antimony and other key high-tech materials with potential military applications. The counterpunch came swiftly after the U.S. Commerce Department expanded the list of Chinese technology companies subject to export controls to include many that make equipment used to make computer chips, chipmaking tools and software. The 140 companies newly included in the so-called “entity list” are nearly all based in China. In China, stock indexes rose 1% in Hong Kong and 0.4% in Shanghai amid unconfirmed reports that Chinese leaders would meet next week to discuss planning for the coming year. Investors are hoping it may bring fresh stimulus to help spur growth in the world’s second-largest economy. In France, the CAC 40 rose 0.3% amid continued worries about politics in Paris , where the government is battling over the budget. AP Business Writers Yuri Kageyama and Matt Ott contributed.Wales fans and players are celebrating after they made history by reaching a major women's tournament for the first time. After a level first leg in Cardiff , Wales came out on top against the Republic of Ireland in the second leg, securing their place in the 2025 Euros. Wales' record goalscorer and cap holder Jess Fishlock described the win as being the proudest moment of her life "by far". Supporters both in Dublin and on home soil have spoke of their pride for the women who are inspiring the next generation. Eight-year-old Harlow Healey was "so happy" to be at the game with her dad in Dublin among a crowd of 25,832 supporters. Speaking of the win, her father Joey said the players have "inspired the next generation of Welsh women football players." Wales fan Vikky Perkins, 51, watched the game in Cardiff and said the grit shown by the women matches the Welsh spirit. "It was impossible to breathe for the last ten minutes, Wales played with tenacity and sustained quality and it paid of," she added. "Such an incredible achievement for these individuals, a huge moment for women's football and a proud moment for our country." Ruth Billingham, 46, from Cardiff, admitted she was not really a football fan but Wales' journey has had her and her daughter gripped. "What an inspiring win! We saw Wales play Ireland in Cardiff last week and it was a great atmosphere. Tonight was the icing on the cake. Bring on the euros!" she said. Her dad, a Cardiff city and Wales supporter for 40 years, Nigel Billingham, spoke of it being a really emotional win for him. The 76-year-old said: "I've been to see both the games in Cardiff [play-off semi-final and first leg of the final] and it's tremendous the team will go to Switzerland." "A great day for Welsh football," he added. John Foster was at the game and said the VAR got his pulse going: "I had no idea what was going on with the VAR check so it was a relief to see what way it went and Cain took it so well, you didn't get much cooler than that." The 52-year-old added that the last 20 minutes were tense but they "held on brilliantly", adding that he thought "Katie McCabe was pretty lucky to stay on as but I'm an Arsenal fan so I'll allow it."The Central Intelligence Agency (CIA) is linked throughout the Biden-Ukraine entanglements, from Trump’s first impeachment to Hunter Biden’s business dealings. Back in 2019, the then-National Intelligence Council analyst Eric Ciaramella anonymously accused Trump of demanding an investigation into Biden’s alleged corruption in Ukraine in exchange for military aid, according to Real Clear Investigations. Ciaramella was an adviser to then-Vice President Joe Biden’s office when Biden threatened to stop aid to Ukraine unless it fired Viktor Shokin, Real Clear stated. Shokin was the prosecutor investigating the Ukrainian gas company, Burisma Holdings. Hunter joined the board of Burisma in 2014 where he was making $80,000 a month, according to bank records. While Ciaramella was accusing Trump of using a “quid pro quo,” Hunter’s payments were not as scrutinized in 2019. A transcript of Trump’s call eventually revealed that he did not make a promise to Zelenskyy or threaten to withhold aid to Ukraine . (RELATED: Here Are Times Biden, KJP Promised President Wouldn’t Pardon Hunter Before Breaking His Word) A slide is projected as Fiona Hill, the former top Russia expert on the National Security Council, and David Holmes, a State Department official stationed at the US Embassy in Ukraine arrive to testify during the House Intelligence Committee hearing as part of the impeachment inquiry into US President Donald Trump on Capitol Hill in Washington,DC on November 21, 2019. (Photo by JIM WATSON/AFP via Getty Images) Ciaramella had conversations with key Biden aides and Ukrainian prosecutors, White House emails and photos released from the National Archives demonstrated. In one email, Ciaramella wrote “Yikes” in response to Biden’s decision to withhold aid from Ukraine, Real Clear noted. He was also involved in discussions concerning the aid package that Biden made dependent on Shokin’s removal, according to Real Clear. Ciaramella previously worked for CIA Director John Brennan, according to the investigation. He also worked with diplomats at the Obama and Biden administrations on Ukraine, including top State Department official Victoria Nuland. Additionally, Real Clear reported he was on CIA detail while at the Biden White House. BREAKING: According to deposition transcript, Biden’s Ukraine coup architect Victoria Nuland confirmed Eric Ciaramella was “in charge of Ukraine policy” under Biden & cleared her into WH meetings on Ukraine, where they discussed Prosecutor Shokin & Burisma https://t.co/g02aj0UmcY — Paul Sperry (@paulsperry_) April 25, 2024 A report recently revealed that a group whose reporting was cited in the whistleblower letter that resulted in Trump’s impeachment received funding from the U.S. government. The Organized Crime and Corruption Reporting Project (OCCRP) was funded by the U.S. State Department and USAID, according to a report by Drop Site News. OCCRP’s reporting on Rudy Giuliani’s political activity in Ukraine was referenced four times in a whistleblower letter that resulted in Trump’s impeachment, according to Drop Site. The largest donor for OCCRP is the U.S. Agency for International Development (USAID). (RELATED: Here Is What The Biden Family Has Been Up To Since 2014) USAID has been accused by foreign countries of being a CIA front, Foreign Police reported . USAID’s public safety program coordinated with the CIA to provide training for foreign police forces, according to the outlet. However, the program was shut down at the direction of Congress in 1973. According to this @DropSiteNews story, a media group roughly half-funded by CIA front USAID published reporting on Giuliani and Ukraine that was cited in the whistleblower complaint used as a predicate to impeach Trump https://t.co/o6gkZmqPLH pic.twitter.com/UEx5TXOBVE — Emily Jashinsky (@emilyjashinsky) December 2, 2024 The CIA also blocked an Internal Revenue Service (IRS) team’s investigation into Hunter Biden from using his benefactor, Kevin Morris, as a witness, according to IRS whistleblower Gary Shapley. Shapley was directing a probe into Biden in August 2021 when Assistant United States Attorney (AUSA) for Delaware – Lesley Wolf – told him she was going to the CIA’s headquarters, according to Shapley’s testimony. Wolf allegedly appeared there alongside Department of Justice (DOJ) tax attorney Jack Morgan. The CIA, Morgan and Wolf discussed Morris, Shapley stated in the affidavit . Wolf seemed to have prevented the whistleblowers from using Morris as a witness, IRS whistleblowers told Congress. She did not share any information about why she made that decision, according to Shapley. The intelligence community’s most open involvement in attempting to cover up for Hunter Biden’s alleged corruption was when officials labeled the New York Post’s Hunter Biden laptop story as “Russian disinformation.” In October 2020, 51 former intelligence officials including former CIA Director John Brennan signed the letter . Former Deputy Director of the CIA Michael Morell told the House Judiciary Committee that he was contacted by then-Biden adviser Antony Blinken. The call from Blinken resulted in the letter’s creation, Morell admitted. Former CIA Chief of Staff Jeremy Bash also signed the letter and connected Morell with former Biden Campaign Chairman Steve Ricchetti, according to Morell’s testimony. Bash later served on the president’s Intelligence Advisory Board in 2022. (RELATED: Second Biden-Appointed Prosecutor Confirms He Refused To Cooperate On Hunter Biden Case) “The Senate Intelligence Committee could simply get a Gang of 8 and look at all CIA files that have the word Burisma in it,” former state department official Mike Benz stated in an interview. He pointed to an agreement between the North Atlantic Treaty Organization (NATO)-aligned Atlantic Council and Burisma Holdings. “Burisma was being built up as an alternative to Russian gas,” Benz said. “The Senate Intelligence Committee could simply get a Gang of 8 and look at all CIA files that have the word Burisma in it. And I guarantee you if they did that, every single one of them would walk out white in the face at the sheer scale of what Burisma was being used for...” pic.twitter.com/Qh0f1wETAm — Mike Benz (@MikeBenzCyber) December 3, 2024 In 2017, the Atlantic Council and Burisma signed a cooperative agreement on Jan. 19, 2017, according to the Kyiv Post . The Atlantic Council ignored warnings by a Ukrainian anti-corruption activist against partnering with Burisma . Former CIA directors Gen. David Petraeus and R. James Woolsey are listed on the Council’s Board of Directors . “What were we doing between 2014 and 2020?” Benz said. “Why was there billions of dollars in military assistance going to Ukraine, to recapture Ukraine where Burisma held all of its mining rights, and to recapture Crimea, where Burisma held the offshore gas mining rights.” An Atlantic Council spokesman told the Daily Caller News Foundation the funding allowed the think tank to combat Russian disinformation, focus on energy independence in Ukraine and improve “business cooperation” between the U.S. and Ukraine. Benz also pointed out how Joseph Cofer Black – former Director of the CIA’s Counterterrorist Center – joined Burisma’s board in 2017. Black was awarded the CIA Distinguished Intelligence Medal, the agency’s highest achievement recognition. “We were sending billions of dollars of U.S. taxpayer money to effectively improve the corporate revenue structure of a company that the previous vice president’s son was on and the then-incoming president would orient his entire foreign policy around,” Benz said. (RELATED: Judge Declines To Dismiss Hunter Biden’s Tax Case Over Special Counsel Challenge) Ryan Wesley Routh, Trump’s second attempted assassin, was a staunch supporter of Ukraine and visited the country in 2022. Kyiev denied any relation and claimed Routh’s ideas were “delusional,” according to The New York Times.jili178 sign up bonus

DALLAS — Delta and United became the most profitable U.S. airlines by targeting premium customers while also winning back a significant share of travelers on a tight budget. That is squeezing smaller low-fare carriers like Spirit Airlines , which recently filed for bankruptcy protection. Some travel-industry experts think Spirit’s troubles indicate that travelers on a budget will be left with fewer choices and higher prices. Other discount airlines are on much better financial footing than Spirit, but they too are lagging far behind the full-service airlines when it comes to recovering from the COVID-19 pandemic . Most industry experts think Frontier Airlines and other so-called ultra-low-cost carriers will fill the vacuum if Spirit shrinks , and that there is still plenty of competition to prevent prices from spiking. Spirit Airlines lost more than $2.2 billion since the start of 2020. Frontier has not reported a full-year profit since 2019, though that slump might end this year. Allegiant Air’s parent company is still profitable, but less so than before the pandemic. Those kind of numbers led United Airlines CEO Scott Kirby to declare recently that low-cost carriers were using “a fundamentally flawed business model” and customers hate flying on them. Kirby’s touchdown dance might turn out to be premature, but many analysts are wary about the near-term prospects for budget airlines, which charge cheaper fares but more fees than the big airlines. A traveler speaks with a Spirit Airlines agent May 24 at Hartsfield-Jackson Atlanta International Airport ahead of Memorial Day in Atlanta. Low-cost airlines grew in the last two decades by undercutting big carriers on ticket prices, thanks in large part to lower costs, including hiring younger workers who were paid less than their counterparts at Delta Air Lines, United and American Airlines . Wages soared across the industry in the past two years, however, narrowing that cost advantage. The big airlines rolled out and refined their no-frills, “basic economy” tickets to compete directly with Spirit, Frontier and other budget carriers for the most price-sensitive travelers. The budget airlines became less efficient at using planes and people. As their growth slowed, they wound up with more of both than they needed. In 2019, Spirit planes were in the air an average of 12.3 hours every day. By this summer, the planes spent an average of two more hours each day sitting on the ground, where they don't make money. Spirit's costs per mile jumped 32% between 2019 and 2023. Another issue is that airlines added too many flights. Budget airlines and Southwest Airlines were among the worst offenders, but full-service airlines piled on. To make up for a drop in business travel, the big carriers added more flights on domestic leisure routes. The result: Too many seats on flights into popular tourist destinations such as Florida and Las Vegas, which drove down prices, especially for economy-class tickets. Rows of seats are shown Sept. 26 on a retrofitted Southwest Airlines jet at Love Field in Dallas. Low-cost airlines are responding by following the old adage that if you can't beat them, join them. That means going premium, following the rapidly growing household wealth among upper-income people. The top one-fifth of U.S. households by income added $35 trillion in wealth since 2019 and holds nearly nine times the wealth of the middle fifth, according to the Federal Reserve . Frontier Airlines organized its fares into four bundles in May, with buyers of higher-priced tickets getting extras such as priority boarding, more legroom and checked bags. The airline dropped ticket-change or cancellation fees except for the cheapest bundle. Spirit followed in August with similar changes, blocking middle seats and charging passengers more for the comfort of aisle and window seats. Spirit Airlines CEO Ted Christie received a $3.8 million retention bonus a week before the Florida-based carrier filed for Chapter 11 bankruptcy. Christie will retain the bonus if he remains with the company for another year. The airline's stock has dropped over 90% this year. It has faced challenges including a blocked $3.8 billion merger with JetBlue and failed talks with Frontier. The pandemic disrupted Spirit's operations and travel patterns, reducing its daily aircraft utilization and increasing costs. Demand has shifted to full-service airlines as higher-income travelers vacation more, while inflation impacts lower-income consumers. JetBlue Airways , which began flying more than 20 years ago as a low-cost carrier but with amenities, is digging out from years of steady losses. Under new CEO Joanna Geraghty, the first woman to lead a major U.S. airline, JetBlue is cutting unprofitable routes, bolstering core markets that include the Northeast and Florida, and delaying deliveries of $3 billion worth of new planes. Starting next year, Southwest Airlines will toss out a half-century tradition of “open seating” — passengers picking their own seat after boarding the plane. Executives say extensive surveying showed 80% of customers preferred an assigned seat, and that's especially true with coveted business travelers. More crowded planes also might be pushing passengers to spend more to escape a middle seat in the back of the plane. A Frontier Airlines jet takes off July 5, 2022, from Denver International Airport in Denver. In other parts of the world, budget carriers are doing just fine. They bounced back from the pandemic just like their more highbrow competitors. Some industry experts say low-cost carriers in Asia and Europe have always attracted a more diverse mix of passengers, while in the U.S., affluent and middle-class travelers look down their noses at low-cost carriers. Jamie Baker, an analyst for JPMorgan, says he has many college friends who work in London and fly Irish airline Ryanair all the time, but he hardly knows anyone who has ever been on a Spirit or Frontier plane. A small plane tows a banner April 13, 2016, over Flint Bishop International Airport as part of ceremonies marking Allegiant Air joining the airport. Delta CEO Ed Bastian is less dismissive of the “lower-end carriers” in the U.S. than United's Kirby. "I don’t see that segment ever disappearing,” Bastian said after Spirit’s bankruptcy filing. “I think there’s a market for it.” At the same time, he said the upscale moves by ultra-low-cost carriers are having no effect on his airline. Delta targets upscale travelers but also introduced basic-economy fares a decade ago, when discounters emerged as a growing threat to poach some of Delta's customers. “Just calling yourself a premium carrier and actually being a premium carrier are two totally different things,” Bastian said “It's not the size of the seat or how much room you have; it's the overall experience.” As frequent flyers know, air travel isn't cheap. With the summer months in full swing, demand for air travel is expected to reach record numbers in 2024 as airlines continue to recover after the COVID-19 pandemic. Luckily for those who are looking for ways to save on travel , one way to cut costs on your next vacation may be in finding the right places to fly in and out of. FinanceBuzz looked at average domestic airfares from the 45 busiest airports in the U.S. to learn which airports are best for travelers on a budget, as well as which ones to avoid if you are trying to travel affordably. Overall, the national average airfare cost decreased by 3.1% from 2022 to 2023 when adjusted for inflation (which translates to a 0.9% increase in non-adjusted dollars). The last time inflation-adjusted airfare costs dropped year-over-year was during the start of the COVID-19 pandemic, when it fell 18% between 2019 and 2020. Largely, this is good news for consumers who can spend less on airfare and have more room in their budget for hotels , restaurants, and other travel fees. In addition to earning rewards on airfare, most travel credit cards offer rewards for spending in these areas, which can offset overall vacation costs. Based on Bureau of Transportation Statistics, the above chart shows inflation-adjusted average airline fares over the past 25 years. For this report, we compared domestic airfares from the 45 busiest airports in the U.S. using data published by the U.S. Department of Transportation . Orlando International Airport (MCO) had the lowest airfare cost in the country at $265.58 on average. Home to iconic theme parks like Universal Studios, Sea World, and most notably, Walt Disney World, Orlando is one of America's top tourist destinations. This is welcome news for those bracing for expensive park tickets and food prices at the House of Mouse. Beyond saving with a Disney credit card on park-related purchases, visitors can also maximize savings by using a credit card like the Chase Sapphire Reserve which offers an annual travel credit, or even using a 0% APR credit card if you don't want to pay for your entire vacation at once. Another Florida-based airport, Fort Lauderdale-Hollywood International Airport (FLL), has the second-lowest average airfare cost in the country — tickets here are only about $5 more expensive than Orlando's. Just a few dollars behind FLL is Las Vegas's Harry Reid International (LAS), where fares cost $272.15 on average. LAS is also the last airport on our list where average airfare costs are less than $300. Oakland International Airport (OAK) has the fourth-lowest average airfare costs in the country at $303.79. And the fifth-least expensive airport, Chicago Midway International (MDW), comes in at $308.27. For the third year in a row, Dulles International Airport (IAD) and San Francisco International Airport (SFO) have the two highest average fares in the country. Flights from Dulles cost $488.40 on average in 2023, while flights from San Francisco cost $444.59. Some silver lining for travelers who need to travel through Dulles: IAD is home to some of the best airport lounges in the country, including the recently-opened Capital One Lounge, available to Capital One Venture X or Venture Rewards credit card holders. With free food, drinks, and recharging stations, lounges can be one easy way to offset otherwise-expensive airport costs. Salt Lake City International Airport (SLC) has the third-highest average airfare in the country, with an average cost of $438.34. Last on our top-five list of the most expensive airports are Charlotte Douglas International Airport (CLT) and Detroit Metro Airport (DTW). Average airfare from Charlotte cost $436.80 last year, while flights from Detroit had an average price tag of $427.05. Seattle-Tacoma International Airport (SEA) was the biggest affordability winner over the last year, dropping prices by more than $18 on average. SEA jumped from 36th most-affordable place last year to 28th place this year — an increase of eight spots. Raleigh-Durham International Airport (RDU) and Portland International Airport (PDX) experienced similar jumps, rising by seven spots each. RDU went from 24th place in 2022 to 17th in 2023, while PDX went from 42nd to 35th. Two different airports fell by eight spots in our affordability rankings, tied for the biggest drop of the year. The average fare at Sacramento International Airport (SMF) rose by $18.66 year-over-year, which led SMF to go from 18th in last year's affordability rankings to 26th this year. Prices rose even more at St. Louis Lambert International Airport (STL), going up by $19.64 on average from one year to the next. Consequently, STL fell from 21st to 29th place in terms of affordability. As you plan your travel, you'll find costs can vary widely at a single airport. With a little research and smart planning, you can find a deal at any airport. Here are a few tips to save on airfare: We looked at 2023 airfare data released by the U.S. Department of Transportation in May 2024 to compare domestic airfares by origin city. This report calculated average fares based on domestic itinerary fares. "Itinerary fares" consist of round-trip fares, unless only a one-way ticket was purchased. In that case, the one-way fare was used. Fares are based on total ticket value, including the price charged by the airline plus any additional taxes and fees levied at the time of purchase. Fares include only the price paid at booking and do not include fees for optional services like baggage fees. Averages also do not include frequent-flyer or "zero fares" or a few abnormally high reported fares. This stor y was produced by FinanceBuzz and reviewed and distributed by Stacker Media. Stay up-to-date on what's happening Receive the latest in local entertainment news in your inbox weekly!

David Hilzenrath, Jodie Fleischer, Cox Media Group | (TNS) KFF Health News In March, newly installed Social Security chief Martin O’Malley criticized agency “injustices” that “shock our shared sense of equity and good conscience as Americans.” He promised to overhaul the Social Security Administration’s often heavy-handed efforts to claw back money that millions of recipients — including people who are living in poverty, are elderly, or have disabilities — were allegedly overpaid, as described by a KFF Health News and Cox Media Group investigation last year. “Innocent people can be badly hurt,” O’Malley said at the time. Nearly eight months since he appeared before Congress and announced a series of policy changes, and with two months left in his term, O’Malley’s effort to fix the system has made inroads but remains a work in progress. For instance, one change, moving away from withholding 100% of people’s monthly Social Security benefits to recover alleged overpayments, has been a major improvement, say advocates for beneficiaries. “It is a tremendous change,” said Kate Lang of Justice in Aging, who called it “life-changing for many people.” The number of people from whom the Social Security Administration was withholding full monthly benefits to recoup money declined sharply — from about 46,000 in January to about 7,000 in September, the agency said. Asked to clarify whether those numbers and others provided for this article covered all programs administered by the agency, the SSA press office did not respond. Another potentially significant change — relieving beneficiaries of having to prove that an overpayment was not their fault — has not been implemented. The agency said it is working on that. Meanwhile, the agency seems to be looking to Congress to take the lead on a change some observers see as crucial: limiting how far back the government can reach to recover an alleged overpayment. Barbara Hubbell of Watkins Glen, New York, called the absence of a statute of limitations “despicable.” Hubbell said her mother was held liable for $43,000 because of an SSA error going back 19 years. “In what universe is that even legal?” Hubbell said. Paying down the overpayment balance left her mother “essentially penniless,” she added. In response to questions for this article, Social Security spokesperson Mark Hinkle said legislation is “the best and fastest way” to set a time limit. Establishing a statute of limitations was not among the policy changes O’Malley announced in his March congressional testimony. In an interview at the time, he said he expected an announcement on it “within the next couple few months.” It could probably be done by regulation, without an act of Congress, he said. Speaking generally, Hinkle said the agency has “made substantial progress on overpayments,” reducing the hardship they cause, and “continues to work diligently” to update policies. The agency is underfunded, he added, is at a near 50-year low in staffing, and could do better with more employees. The SSA did not respond to requests for an interview with O’Malley. O’Malley announced the policy changes after KFF Health News and Cox Media Group jointly published and broadcast investigative reporting on the damage overpayments and clawbacks have done to millions of beneficiaries. When O’Malley, a former Democratic governor of Maryland, presented his plans to three congressional committees in March, lawmakers greeted him with rare bipartisan praise. But the past several months have shown how hard it can be to turn around a federal bureaucracy that is massive, complex, deeply dysfunctional, and, as it says, understaffed. Now O’Malley’s time may be running out. Lang of Justice in Aging, among the advocacy groups that have been meeting with O’Malley and other Social Security officials, said she appreciates how much the commissioner has achieved in a short time. But she added that O’Malley has “not been interested in hearing about our feelings that things have fallen short.” One long-standing policy O’Malley set out to change involves the burden of proof. When the Social Security Administration alleges someone has been overpaid and demands the money back, the burden is on the beneficiary to prove they were not at fault. Cecilia Malone, 24, a beneficiary in Lithonia, Georgia, said she and her parents spent hundreds of hours trying to get errors corrected. “Why is the burden on us to ‘prove’ we weren’t overpaid?” Malone said. It can be exceedingly difficult for beneficiaries to appeal a decision. The alleged overpayments, which can reach tens of thousands of dollars or more, often span years. And people struggling just to survive may have extra difficulty producing financial records from long ago. What’s more, in letters demanding repayment, the government does not typically spell out its case against the beneficiary — making it hard to mount a defense. Testifying before House and Senate committees in March, O’Malley promised to shift the burden of proof. “That should be on the agency,” he said. The agency expects to finalize “guidance” on the subject “in the coming months,” Hinkle said. The agency points to reduced wait times and other improvements in a phone system known to leave beneficiaries on hold. “In September, we answered calls to our national 800 number in an average of 11 minutes — a tremendous improvement from 42 minutes one year ago,” Hinkle said. Still, in response to a nonrepresentative survey by KFF Health News and Cox Media Group focused on overpayments, about half of respondents who said they contacted the agency by phone since April rated that experience as “poor,” and few rated it “good” or “excellent.” The survey was sent to about 600 people who had contacted KFF Health News to share their overpayment stories since September 2023. Almost 200 people answered the survey in September and October of this year. Most of those who said they contacted the agency by mail since April rated their experience as “poor.” Jennifer Campbell, 60, a beneficiary in Nelsonville, Ohio, said in late October that she was still waiting for someone at the agency to follow up as described during a phone call in May. “VERY POOR customer service!!!!!” Campbell wrote. “Nearly impossible to get a hold of someone,” wrote Kathryn Duff of Colorado Springs, Colorado, who has been helping a disabled family member. Letters from SSA have left Duff mystified. One was postmarked July 9, 2024, but dated more than two years earlier. Another, dated Aug. 18, 2024, said her family member was overpaid $31,635.80 in benefits from the Supplemental Security Income program, which provides money to people with little or no income or other resources who are disabled, blind, or at least 65. But Duff said her relative never received SSI benefits. What’s more, for the dates in question, payments listed in the letter to back up the agency’s math didn’t come close to $31,635.80; they totaled about a quarter of that amount. Regarding the 100% clawbacks, O’Malley in March said it’s “unconscionable that someone would find themselves facing homelessness or unable to pay bills, because Social Security withheld their entire payment for recovery of an overpayment.” He said that, starting March 25, if a beneficiary doesn’t respond to a new overpayment notice, the agency would default to withholding 10%. The agency warned of “a short transition period.” That change wasn’t automated until June 25, Hinkle said. The number of people newly placed in full withholding plummeted from 6,771 in February to 51 in September, according to data the agency provided. SSA said it would notify recipients they could request reduced withholding if it was already clawing back more than 10% of their monthly checks. Nonetheless, dozens of beneficiaries or their family members told KFF Health News and Cox Media Group they hadn’t heard they could request reduced withholding. Among those who did ask, roughly half said their requests were approved. According to the SSA, there has been almost a 20% decline in the number of people facing clawbacks of more than 10% but less than 100% of their monthly checks — from 141,316 as of March 8 to 114,950 as of Oct. 25, agency spokesperson Nicole Tiggemann said. Meanwhile, the number of people from whom the agency was withholding exactly 10% soared more than fortyfold — from just over 5,000 to well over 200,000. And the number of beneficiaries having any partial benefits withheld to recover an overpayment increased from almost 600,000 to almost 785,000, according to data Tiggemann provided. Lorraine Anne Davis, 72, of Houston, said she hasn’t received her monthly Social Security payment since June due to an alleged overpayment. Her Medicare premium was being deducted from her monthly benefit, so she’s been left to pay that out-of-pocket. Davis said she’s going to need a kidney transplant and had been trying to save money for when she’d be unable to work. Related Articles National News | California case is the first confirmed bird flu infection in a US child National News | Colorado funeral home owners accused of letting 190 bodies decay plead guilty to corpse abuse National News | Another E. coli recall: falafel bites from Florida, California and 16 other states National News | US budget airlines are struggling. Will pursuing premium passengers solve their problems? National News | Hyundai, Kia recall over 208,000 electric vehicles to fix problem that can cause loss of power A letter from the SSA dated April 8, 2024, two weeks after the new 10% withholding policy was slated to take effect, said it had overpaid her $13,538 and demanded she pay it back within 30 days. Apparently, the SSA hadn’t accounted for a pension Davis receives from overseas; Davis said she disclosed it when she filed for benefits. In a letter to her dated June 29, the agency said that, under its new policy, it would change the withholding to only 10% if she asked. Davis said she asked by phone repeatedly, and to no avail. “Nobody seems to know what’s going on” and “no one seems to be able to help you,” Davis said. “You’re just held captive.” In October, the agency said she’d receive a payment — in March 2025. Marley Presiado, a research assistant on the Public Opinion and Survey Research team at KFF, contributed to this report. ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.

COLUMBUS, Ohio (AP) — A fight broke out at midfield after Michigan stunned No. 2 Ohio State 13-10 on Saturday as Wolverines players attempted to plant their flag and were met by Buckeyes who confronted them. Police had to use pepper spray to break up the players, who threw punches and shoves in the melee that overshadowed the rivalry game. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.

ORLANDO, Fla. — UCF coach Gus Malzahn is resigning after four seasons with the school. ESPN’s Pete Thamel was the first to report the move, which will see Malzahn to leave to take the offensive coordinator job at Florida State. Malzahn previously worked with FSU coach Mike Norvell during their time at Tulsa under then-coach Todd Graham from 2007-08. The Knights ended a disappointing 4-8 season in which they lost eight of their last nine games, the longest losing streak since 2015. Malzahn, 59, was in the fourth year of a contract through 2028. His buyout, it is reported, would have been $13.75 million. He finished 27-25 at UCF but lost 16 of his last 22 games and was a dismal 4-14 in two seasons in the Big 12. After back-to-back nine-win seasons in 2021-22, the Knights went 6-7 in 2023 and 4-8 in 2024. This season started with high expectations as Malzahn made sweeping changes to the program. He retooled the strength and conditioning department and hired Ted Roof and Tim Harris Jr. as defensive and offensive coordinators, respectively. He also added nearly 50 new players to the roster, leaning heavily on the transfer market. UCF started by winning its first three games against New Hampshire, Sam Houston and a thrilling comeback at TCU, but offensive struggles saw the Knights tumble through a TBD-game losing streak to finish the season. Terry Mohajir hired Malzahn on Feb. 15, 2021, six days after he was hired to replace Danny White. The move came eight weeks after Malzahn had been fired at Auburn after eight seasons of coaching the Tigers. The two briefly worked together at Arkansas State in 2012 before Malzahn left for the Auburn job. “When he [Mohajir] offered the job, I was like, ‘I’m in.’ There wasn’t thinking about or talking about ...,” Malzahn said during his introductory press conference. “This will be one of the best programs in college football in a short time. This is a job that I plan on being here and building it.” UCF opened the 2021 season with non-conference wins over Boise State and Bethune-Cookman before traveling to Louisville on Sept. 17, where quarterback Dillon Gabriel suffered a fractured collarbone in the final minute of a 42-35 loss. Backup Mikey Keene would finish out the season as Gabriel announced his intention to transfer. The Knights would finish the season on the plus side by accepting a bid to join the Big 12 Conference in September and then by defeating Florida 29-17 in the Gasparilla Bowl. Malzahn struck transfer portal gold in the offseason when he signed former Ole Miss quarterback John Rhys Plumlee. Plumlee, a two-sport star with the Rebels, helped guide UCF to the American Athletic Conference Championship in its final season. However, Plumlee’s injury forced the Knights to go with Keene and freshman Thomas Castellanos. The team finished with losses to Tulane in the conference championship and Duke in the Military Bowl. Plumlee would return in 2023 as UCF transitioned to the Big 12 but would go down with a knee injury in the final minute of the Knights’ 18-16 win at Boise State on Sept. 9. He would miss the next four games as backup Timmy McClain took over the team. Even on his return, Plumlee couldn’t help UCF, on a five-game losing streak to open conference play. The Knights got their first Big 12 win at Cincinnati on Nov. 4 and upset No. 15 Oklahoma State the following week, but the team still needed a win over Houston in the regular-season finale to secure a bowl bid for the eighth straight season. From the moment Malzahn stepped on campus, he prioritized recruiting, particularly in Central Florida. “We’re going to recruit like our hair’s on fire,” Malzahn said at the time. “We’re going to go after the best players in America and we’re not backing down to anybody.” From 2007 to 2020, UCF signed 10 four-star high school and junior college prospects. Eight four-star prospects were in the three recruiting classes signed under Malzahn. The 2024 recruiting class earned a composite ranking of 39 from 247Sports, the highest-ranked class in school history. The 2025 recruiting class is ranked No. 41 and has commitments from three four-star prospects. Malzahn has always leaned on the transfer market, signing 60 players over the past three seasons. Some have paid huge dividends, such as Javon Baker, Lee Hunter, Kobe Hudson, Tylan Grable, Bula Schmidt, Amari Kight, Marcellus Marshall, Trent Whittemore, Gage King, Ethan Barr, Deshawn Pace and Plumlee. Others haven’t been as successful, such as quarterback KJ Jefferson, who started the first five games of this season before being benched for poor performance. Jefferson’s struggles forced the Knights to play musical chairs at quarterback, with true freshman EJ Colson, redshirt sophomore Jacurri Brown and redshirt freshman Dylan Rizk all seeing action at one point or another this season. This season’s struggles led to several players utilizing the NCAA’s redshirt rule after four games, including starting slot receiver Xavier Townsend and kicker Colton Boomer, who have also entered the transfer portal. Defensive end Kaven Call posted a letter to Malzahn on Twitter in which he accused the UCF coaching staff of recently kicking him off the team when he requested to be redshirted. Get local news delivered to your inbox!

Michigan, Ohio State fight broken up with police pepper sprayYear ender 2024: How wellness retreats and remote escapes defined the year; top 5 trends that dominated

Bird Removal Service Market Outlook and Future Projections for 2030 12-22-2024 01:33 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: Dhirtek Business Research and Consulting Bird Removal Service Market The bird removal service market represents a dynamic and continually evolving landscape, shaped by changing consumer demands and technological advancements. In this comprehensive report, we provide an in-depth exploration of the market, designed for a wide range of stakeholders including manufacturers, suppliers, distributors, and investors. Our goal is to equip industry participants with essential insights that enable informed decision-making in an ever-changing market environment. This analysis not only examines the current state of the bird removal service market but also forecasts its future trends. Scope and Purpose This report serves as an extensive resource, thoughtfully curated to deliver actionable intelligence to industry stakeholders. It covers critical elements such as market dynamics, competitive environments, growth opportunities, challenges, and regional differences. The insights provided go beyond mere descriptions, offering a valuable tool for stakeholders to refine their strategies and make informed choices in a competitive market. Request for Sample Report: https://www.dhirtekbusinessresearch.com/market-report/Bird-Removal-Service-Market/request-for-sample-report Comprehensive Market Analysis We are committed to providing a thorough analysis that explores every aspect of market growth, including shifts in consumer preferences and technological innovations driving demand for bird removal service products. We also address the challenges faced by the industry, such as economic uncertainties and intense competition, offering insights to help stakeholders navigate these complexities. Key Players in the Bird Removal Service Market: Brilliex Pest Control Wildlife Pro Icon Pest Terminix Canada Ontario Wildlife Removal Hawkeye Wildlife Shield Pestend SOS Wildlife Control Incorporated SWAT Wildlife Skedaddle Emergency Pest Control Pest Protection Plus Orkin Commercial Services WILDLIFE REMOVAL SERVICES Critter Control Relief Pest Control Pro Pest Pest Kings Wildlife and Pest Control Ecolab Regional Wildlife Services Strategic Guidance for the Future This report invites stakeholders to delve into a detailed examination of the competitive landscape. By profiling key players in the bird removal service market and analyzing their strategies, we offer crucial insights to help industry participants make informed strategic decisions. Whether it's about outpacing competitors or learning from successful approaches, our analysis is designed to guide stakeholders toward success. Anticipated Insights Understanding the diverse segments within the bird removal service market is critical to success. Our report breaks down segment sizes, potential growth trajectories, and key trends, offering actionable insights that allow stakeholders to develop targeted strategies and optimize resource allocation. The knowledge provided empowers stakeholders to navigate the complexities of the bird removal service market with clarity and confidence. Balancing Market Forces and Strategic Impact This report delivers a comprehensive analysis of the factors shaping the bird removal service market. By evaluating both the drivers of market growth and the obstacles that could impede it, stakeholders gain a holistic understanding of the market's dynamics. For manufacturers, this analysis helps align innovation efforts with consumer demands and regulatory trends, while investors and decision-makers gain a deeper understanding of economic risks and supply chain vulnerabilities, allowing them to make more informed strategic choices. Our goal is to provide stakeholders with the knowledge needed to confidently and successfully navigate the bird removal service market. Competitive Landscape Our in-depth examination of the bird removal service market's competitive landscape highlights key players, scrutinizing their strategies and impacts on the industry. By analyzing the approaches of major companies, stakeholders gain a valuable understanding of market dynamics and can leverage these insights to identify growth opportunities, innovate, and make informed strategic decisions. Market Segmentation The report begins with a detailed analysis of the unique characteristics defining each segment within the bird removal service market. Segmentation can occur across various dimensions, including product types, customer demographics, or specific use cases. Understanding these differences allows stakeholders to tailor their strategies, products, and marketing efforts to meet the specific needs of each segment, enhancing competitive positioning and maximizing opportunities for success. Market Segments: Product Type: Bird Repellent Device Installation Habitat Modification Others Application: Residential Properties Commercial Building Others Market Size and Segment Growth Potential A crucial part of the report focuses on understanding the size and significance of each market segment. We provide quantitative data that illustrates the market share and contribution of each segment, enabling stakeholders to make informed decisions regarding resource allocation, strategic prioritization, and investment. This section offers insights into the growth potential of each segment, including factors driving future expansion, evolving consumer preferences, and technological adoption. Conclusion This report serves as a strategic guide for stakeholders in the bird removal service market, offering comprehensive insights into market segmentation, competitive dynamics, and growth potential. By understanding the market's complexities and emerging opportunities, industry participants can make well-informed decisions that drive success and innovation in this rapidly evolving market. Other Reports Load Cell Indicators Market https://www.dhirtekbusinessresearch.com/market-report/Load-Cell-Indicators-Market Semi-Steel Radial OTR Tyre Market https://www.dhirtekbusinessresearch.com/market-report/Semi-Steel-Radial-OTR-Tyre-Market Engine Covers Market https://www.dhirtekbusinessresearch.com/market-report/Engine-Covers-Market Skimmed Yogurt Powder Market https://www.dhirtekbusinessresearch.com/market-report/Skimmed-Yogurt-Powder-Market "Contact Us Dhirtek Business Research and Consulting Private Limited Contact No: +91 7580990088 Email Id: sales@dhirtekbusinessresearch.com" "About Us Dhirtek Business Research & Consulting Pvt Ltd is a global market research and consulting services provider headquartered in India. We offer our customers syndicated research reports, customized research reports, and consulting services. Our objective is to enable our clientele to achieve transformational progress and help them to make better strategic business decisions and enhance their global presence. We serve numerous companies worldwide, mobilizing our seasoned workforce to help companies shape their development through proper channeling and execution. We offer our services to large enterprises, start-ups, non-profit organizations, universities, and government agencies. The renowned institutions of various countries and Fortune 500 businesses use our market research services to understand the business environment at the global, regional, and country levels. Our market research reports offer thousands of statistical information and analysis of various industries at a granular level." This release was published on openPR.New Title: Nvidia Fever Continues! Could the AI Giant Boom Again in 2025?

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San Jose State and South Florida will meet in the 2024 Hawaii Bowl on Christmas Eve at the Ching Complex. Kickoff for the nationally televised game will be at 3 p.m. This will be a homecoming for San Jose State head coach Kenny Niumatalolo, offensive coordinator/quarterbacks coach Craig Stutzmann, offensive line coach John Estes, and senior offensive analyst Billy Ray Stutzmann. Niumatalolo and Craig Stutzmann both played and coached at the University of Hawaii. Estes was a UH center, and Billy Ray Stutzmann was a wideout. “Couldn’t be more ecstatic to come home and play in the Hawaii Bowl,” said Niumatalolo, who is 7-5 in his first season with the Spartans. “I’m super excited for everyone in our program — our players, coaches, staff.” Niumatalolo, a Radford High graduate, was Navy’s head coach for 16 seasons through 2022. He coached UCLA’s tight ends in 2023. Niumatalolo owns a house in Manoa, a mile from the Ching Complex. Stutzmann helped contribute to the creation of the Hawaii Bowl. Stutzmann was a starting slotback on a UH team that battered BYU 72-45 to complete a 9-3 season in 2001. But without a bowl tie-in, the Warriors did not participate in the postseason. After that, the Western Athletic Conference, ESPN and UH formed the Hawaii Bowl beginning in 2003. “We needed to create that one,” Stutzmann said. Stutzmann eventually became a coach. At Emory & Henry University, Stutzmann created the “spread and shred”offense, which combined run-and-shoot, Air Raid and run/pass option concepts. At Navy, Niumatalolo ran the run-oriented, triple-option offense. After being hired at SJSU, Niumatalolo hired Stutzmann to implement the up-tempo, spread-and-shred attack. -- More UH football coverageA devastating road accident near Bengaluru that claimed the lives of six members of a family on Saturday has sparked a debate on whether cars made to be safe are effective on unsafe roads. The family was traveling in a Volvo SUV when a container truck overturned and crushed their vehicle, killing everyone inside. The accident occurred on National Highway 48 near Nelamangala, on the outskirts of Bengaluru. How did the accident occur? A preliminary investigation by the police has revealed the sequence of events leading to the tragic accident that claimed six lives . An Eicher truck, carrying aluminum pillars weighing several tonnes, was en route to Bengaluru when the driver lost control of the vehicle while attempting to avoid a collision with another vehicle ahead. Traveling at high speed, the truck veered off course, crossed the median, and overturned onto a Volvo car heading towards Tumakuru. The impact was catastrophic, leaving the car severely damaged. The truck also collided with a tempo before coming to a halt, though the damage to the tempo was minimal. The shocking moment when the truck crushed the Volvo was captured on a nearby CCTV camera. Police are currently analyzing the footage as part of their ongoing investigation into the accident. The deceased have been identified as Chandrayagappa Gaul (48), his wife Gaurabai (42), and their relatives Vijayalakshmi (36), John (16), Deeksha (12), and Arya (6). The family was on their way to Vijayapura when the tragedy struck. Who is Chandram Yegapagol? Chandram Yegapagol , the CEO and managing director of IAST software solutions, was a prominent figure in Bengaluru's tech industry. A resident of HSR Layout, Yegapagol hailed from Morbagi village in Maharashtra's Sangli district. Yegapagol's educational background boasts impressive credentials. He held a diploma in Electrical and Electronics Engineering from GPT Gulbarga and a Bachelor of Engineering degree in the same discipline from the esteemed National Institute of Technology Karnataka (NITK) Surathkal, as per his LinkedIn profile. According to eyewitnesses, the truck driver, Arif, lost control of the vehicle while trying to save a car that suddenly stopped in front of him. The truck jumped the divider and crashed into the Volvo SUV. The family was on the way to Vijayapura when the accident occurred. As the truck fell on it, the car was badly mangled and the bodies were dismembered, a police officer said. Raging debate on social media The accident has sparked a conversation on social media about road safety , with many users pointing out that even the safest cars cannot save lives if others on the road are driving recklessly. DriveSmart, a social media handle dedicated to promoting road safety, shared disturbing images from the accident site where a Volvo SUV was crushed by a container truck, claiming six lives. The X handle issued a stark warning, stating, "This pic is a reminder that being safer on the road is not achieved by a safer car alone. Safe Roads + Safe Driver + Safe Car --> All three are essential for safety (sic)." Some users, responding to the post, said that while Volvo is renowned for manufacturing safe vehicles, no car can withstand the crushing weight of a container loaded with aluminum. Others took to tagging Road Transport and Highways Minister Nitin Gadkari , urging the government to implement stricter rules and regulations to ensure road safety, highlighting the need for more robust measures to prevent such devastating accidents in the future. Recently during a debate on road safety in the Parliament, Union Minister stated that the number of accidents has gone up significantly. "Forget about reducing the number of accidents, I have no hesitation to admit that it has been increased. This is one area where our department has not achieved success," Gadkari said during the Winter session of the Parliament. He also expressed discontent over the fact that despite so many people dying in road accidents, there is still no fear of law. "Some do not wear helmets, some jump red signal," he said during the Question Hour, while describing the "strange" situation. The union minister noted that parking of trucks on road is a major cause for accidents and many of the trucks don't follow lane discipline. According to government data, over 1.78 lakh people died in road accidents in India last year. This is about 470 deaths every day and a majority of victims are in the 18-34 years age group.

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