jili 178 games
Stock market today: Rising tech stocks pull Wall Street to another record
No. 2 Ohio State takes control in the 2nd half and runs over No. 5 Indiana 38-15 COLUMBUS, Ohio (AP) — Will Howard passed for two touchdowns and rushed for another, TreVeyon Henderson ran for a score and No. 2 Ohio State beat previously undefeated No. 5 Indiana 38-15. All Ohio State has to do now is beat Michigan at home next Saturday and it will earn a return to the Big Ten championship game for the first time since 2020 and get a rematch with No. 1 Oregon. The Ducks beat Ohio State 32-31 in a wild one back on Oct. 12. Man City routed 4-0 by Tottenham in fifth-straight defeat as crisis deepens for Pep Guardiola What started as an evening of celebration for Manchester City ended with the four-time defending Premier League champion falling to a fifth-straight loss in all competitions and facing a deepening crisis in a season that is threatening to unravel. A 4-0 defeat to Tottenham left City five points behind league leader Liverpool, having played a game more. Two goals from James Maddison inside 20 minutes at the Etihad Stadium stunned the home crowd. Pedro Porro scored a third for Tottenham after halftime. Brennan Johnson added a fourth in the third minute of stoppage time. City manager Pep Guardiola signed a two-year contract extension this week. Chelsea, Arsenal and Brighton all won and closed the gap on Liverpool to six points. Florida knocks No. 9 Ole Miss out of College Football Playoff contention, 24-17 in the Swamp GAINESVILLE, Fla. (AP) — DJ Lagway threw two touchdown passes, Montrell Johnson ran for 127 yards and a score, and Florida upset No. 9 Mississippi 24-17 on Saturday to knock the Rebels out of College Football Playoff contention. The Gators beat ranked teams in consecutive weeks for the first time since 2008 and became bowl eligible. The late-season spurt provided another vote of confidence for coach Billy Napier, who is expected back for a fourth season. Ole Miss lost for the first time in four games and surely will drop out of the 12-team playoff picture. Jennings has 3 TDs as No. 13 SMU routs Virginia 33-7 to clinch a spot in the ACC title game CHARLOTTESVILLE, Va. (AP) — Kevin Jennings threw for a career-high 323 yards and two touchdowns and ran for another, and No. 13 SMU clinched a spot in the Atlantic Coast Conference championship game by routing Virginia 33-7. Isaiah Smith and Jared Harrison-Hunte each had two sacks to help the Mustangs extend their winning streak to eight. They would earn an automatic bid into the expanded College Football Playoff by beating 11th-ranked Miami or 17th-ranked Clemson in the ACC title game on Dec. 7 in Charlotte, North Carolina. UVa must beat rival Virginia Tech next week to become bowl eligible. No. 11 Miami pulls away late to beat Wake Forest 42-14 and move one win from the ACC title game MIAMI GARDENS, Fla. (AP) — Cam Ward passed for 280 yards and threw two touchdowns to Jacolby George on another record-breaking day, Mishael Powell ran an interception back 76 yards for a touchdown and No. 11 Miami pulled away late to beat Wake Forest 42-14. The 10-1 Hurricanes can clinch a berth in the ACC title game with a win at Syracuse next weekend. Ward completed 27 of 38 passes, plus ran for a score. Demond Claiborne had a 100-yard kickoff return for a touchdown for 4-7 Wake Forest. No. 24 Illinois stuns Rutgers on Bryant's 40-yard TD reception with 4 seconds left PISCATAWAY, N.J. (AP) — Luke Altmyer found Pat Bryant for a catch-and-run, 40-yard touchdown pass with 4 seconds left, sending No. 24 Illinois to a wild 38-31 victory over Rutgers. Illinois was down 31-30 when it sent long kicker Ethan Moczulski out for a desperation 58-yard field goal with 14 seconds to go. Rutgers coach Greg Schiano then called for a timeout right before Moczulski’s attempt was wide left and about 15 yards short. After the missed field goal was waved off by the timeout, Illinois coach Bret Bielema sent his offense back on the field. Altmyer hit Bryant on an in cut on the left side at the 22, and he continued across the field and scored untouched. Hidalgo leads No. 6 Notre Dame over JuJu Watkins and third-ranked USC 74-61 in big matchup out West LOS ANGELES (AP) — Hannah Hidalgo scored 24 points and No. 6 Notre Dame defeated JuJu Watkins and third-ranked Southern California 74-61 in a marquee matchup on the West Coast. Hidalgo had six rebounds and eight assists in front of several WNBA scouts. Olivia Miles added 20 points for the Fighting Irish, who improved to 5-0. Watkins finished with 24 points, six rebounds and five assists for the Trojans, who fell to 4-1. The Irish came out strong, taking a 20-10 lead in the first quarter, when Hidalgo had 11 points. They never looked back and stayed poised when USC came within three points three different times. Andy Murray will coach Novak Djokovic through the Australian Open Recently retired Andy Murray will team up with Novak Djokovic, working with him as a coach through the Australian Open in January. Murray’s representatives put out statements from both players on Saturday. Djokovic is a 24-time Grand Slam champion who has spent more weeks at No. 1 than any other player in tennis history. Murray won three major trophies and two Olympic singles gold medals who finished 2016 atop the ATP rankings. He retired as a player after the Paris Summer Games in August. Jannik Sinner and Matteo Berrettini lift Italy past Australia and back to the Davis Cup final MALAGA, Spain (AP) — Top-ranked Jannik Sinner and Matteo Berrettini won their singles matches to lift defending champion Italy past Australia 2-0 and back into the Davis Cup final. Sinner extended his tour-level winning streak to 24 sets in a row by beating No. 9 Alex de Minaur 6-3, 6-4 on Saturday on an indoor hard court in Malaga, Spain. That came after Berrettini came back to defeat Thanasi Kokkinakis 6-7 (6), 6-3, 7-5. Italy will meet first-time finalist Netherlands on Sunday for the title. The Dutch followed up their victory over Rafael Nadal and Spain in the quarterfinals by eliminating Germany on Friday. Argentina's Racing wins its first Copa Sudamericana championship by beating Brazil's Cruzeiro 3-1 ASUNCION, Paraguay (AP) — Gaston Martirena and Adrian Martinez scored first-half goals as Argentina’s Racing won its first Copa Sudamericana championship by beating Brazil’s Cruzeiro 3-1 in the final on Saturday. Martirena opened the scoring in the 15th minute and Martinez added a goal five minutes later to help give “La Academia” its first international title since 1988 when it won the Supercopa Sudamericana. Roger Martinez sealed the victory with a goal in the 90th. “Maravilla” Martinez scored 10 goals in 13 matches and finished as the top scorer in the competition. Kaio Jorge scored in the 52nd for Cruzeiro.No. 2 Ohio State takes control in the 2nd half and runs over No. 5 Indiana 38-15 COLUMBUS, Ohio (AP) — Will Howard passed for two touchdowns and rushed for another, TreVeyon Henderson ran for a score and No. 2 Ohio State beat previously undefeated No. 5 Indiana 38-15. All Ohio State has to do now is beat Michigan at home next Saturday and it will earn a return to the Big Ten championship game for the first time since 2020 and get a rematch with No. 1 Oregon. The Ducks beat Ohio State 32-31 in a wild one back on Oct. 12. Man City routed 4-0 by Tottenham in fifth-straight defeat as crisis deepens for Pep Guardiola What started as an evening of celebration for Manchester City ended with the four-time defending Premier League champion falling to a fifth-straight loss in all competitions and facing a deepening crisis in a season that is threatening to unravel. A 4-0 defeat to Tottenham left City five points behind league leader Liverpool, having played a game more. Two goals from James Maddison inside 20 minutes at the Etihad Stadium stunned the home crowd. Pedro Porro scored a third for Tottenham after halftime. Brennan Johnson added a fourth in the third minute of stoppage time. City manager Pep Guardiola signed a two-year contract extension this week. Chelsea, Arsenal and Brighton all won and closed the gap on Liverpool to six points. Florida knocks No. 9 Ole Miss out of College Football Playoff contention, 24-17 in the Swamp GAINESVILLE, Fla. (AP) — DJ Lagway threw two touchdown passes, Montrell Johnson ran for 127 yards and a score, and Florida upset No. 9 Mississippi 24-17 on Saturday to knock the Rebels out of College Football Playoff contention. The Gators beat ranked teams in consecutive weeks for the first time since 2008 and became bowl eligible. The late-season spurt provided another vote of confidence for coach Billy Napier, who is expected back for a fourth season. Ole Miss lost for the first time in four games and surely will drop out of the 12-team playoff picture. Jennings has 3 TDs as No. 13 SMU routs Virginia 33-7 to clinch a spot in the ACC title game CHARLOTTESVILLE, Va. (AP) — Kevin Jennings threw for a career-high 323 yards and two touchdowns and ran for another, and No. 13 SMU clinched a spot in the Atlantic Coast Conference championship game by routing Virginia 33-7. Isaiah Smith and Jared Harrison-Hunte each had two sacks to help the Mustangs extend their winning streak to eight. They would earn an automatic bid into the expanded College Football Playoff by beating 11th-ranked Miami or 17th-ranked Clemson in the ACC title game on Dec. 7 in Charlotte, North Carolina. UVa must beat rival Virginia Tech next week to become bowl eligible. No. 11 Miami pulls away late to beat Wake Forest 42-14 and move one win from the ACC title game MIAMI GARDENS, Fla. (AP) — Cam Ward passed for 280 yards and threw two touchdowns to Jacolby George on another record-breaking day, Mishael Powell ran an interception back 76 yards for a touchdown and No. 11 Miami pulled away late to beat Wake Forest 42-14. The 10-1 Hurricanes can clinch a berth in the ACC title game with a win at Syracuse next weekend. Ward completed 27 of 38 passes, plus ran for a score. Demond Claiborne had a 100-yard kickoff return for a touchdown for 4-7 Wake Forest. No. 24 Illinois stuns Rutgers on Bryant's 40-yard TD reception with 4 seconds left PISCATAWAY, N.J. (AP) — Luke Altmyer found Pat Bryant for a catch-and-run, 40-yard touchdown pass with 4 seconds left, sending No. 24 Illinois to a wild 38-31 victory over Rutgers. Illinois was down 31-30 when it sent long kicker Ethan Moczulski out for a desperation 58-yard field goal with 14 seconds to go. Rutgers coach Greg Schiano then called for a timeout right before Moczulski’s attempt was wide left and about 15 yards short. After the missed field goal was waved off by the timeout, Illinois coach Bret Bielema sent his offense back on the field. Altmyer hit Bryant on an in cut on the left side at the 22, and he continued across the field and scored untouched. Hidalgo leads No. 6 Notre Dame over JuJu Watkins and third-ranked USC 74-61 in big matchup out West LOS ANGELES (AP) — Hannah Hidalgo scored 24 points and No. 6 Notre Dame defeated JuJu Watkins and third-ranked Southern California 74-61 in a marquee matchup on the West Coast. Hidalgo had six rebounds and eight assists in front of several WNBA scouts. Olivia Miles added 20 points for the Fighting Irish, who improved to 5-0. Watkins finished with 24 points, six rebounds and five assists for the Trojans, who fell to 4-1. The Irish came out strong, taking a 20-10 lead in the first quarter, when Hidalgo had 11 points. They never looked back and stayed poised when USC came within three points three different times. Andy Murray will coach Novak Djokovic through the Australian Open Recently retired Andy Murray will team up with Novak Djokovic, working with him as a coach through the Australian Open in January. Murray’s representatives put out statements from both players on Saturday. Djokovic is a 24-time Grand Slam champion who has spent more weeks at No. 1 than any other player in tennis history. Murray won three major trophies and two Olympic singles gold medals who finished 2016 atop the ATP rankings. He retired as a player after the Paris Summer Games in August. Jannik Sinner and Matteo Berrettini lift Italy past Australia and back to the Davis Cup final MALAGA, Spain (AP) — Top-ranked Jannik Sinner and Matteo Berrettini won their singles matches to lift defending champion Italy past Australia 2-0 and back into the Davis Cup final. Sinner extended his tour-level winning streak to 24 sets in a row by beating No. 9 Alex de Minaur 6-3, 6-4 on Saturday on an indoor hard court in Malaga, Spain. That came after Berrettini came back to defeat Thanasi Kokkinakis 6-7 (6), 6-3, 7-5. Italy will meet first-time finalist Netherlands on Sunday for the title. The Dutch followed up their victory over Rafael Nadal and Spain in the quarterfinals by eliminating Germany on Friday. Argentina's Racing wins its first Copa Sudamericana championship by beating Brazil's Cruzeiro 3-1 ASUNCION, Paraguay (AP) — Gaston Martirena and Adrian Martinez scored first-half goals as Argentina’s Racing won its first Copa Sudamericana championship by beating Brazil’s Cruzeiro 3-1 in the final on Saturday. Martirena opened the scoring in the 15th minute and Martinez added a goal five minutes later to help give “La Academia” its first international title since 1988 when it won the Supercopa Sudamericana. Roger Martinez sealed the victory with a goal in the 90th. “Maravilla” Martinez scored 10 goals in 13 matches and finished as the top scorer in the competition. Kaio Jorge scored in the 52nd for Cruzeiro.
Full House Resorts counsel Elaine Guidroz sells $41,606 in stockRutgers tries to avoid another Ivy loss when Columbia visitsFor 35 years, Phil Carle, a woodworking teacher at Merrimack High School, has introduced students to a virtual forest of possibilities. The high school's state-of-the-art woodshop contains 18 lathes with tools for turning and transforming wood into functional and artistic objects, including candlestand tables, bowls and ax handles. His students, male and female, run the gamut from the curious and creative to the tentative, dedicated or pre-professional. There's no shortage of interest in the subjects he teaches — Discover, Woodworking, Advanced Woodworking and Creative Lathe Turning. Post-pandemic and in a digital culture and marketplace, most of his classes remain full, and no one expects to scoot through with a barely passing grade. "If you sign up for Mr. Carle's class, you're making products that you'll be proud of when you leave," Carle said. "If students see a need for something at their house, we do it." Since 2001, Merrimack High School has had the largest lathe turning facility in New England's public schools. Last month, and for the third time, New Hampshire Woodworking Guild members came to collaborate with woodshop students to fabricate wig stands for cancer patients. Some drove from Kittery, Maine. Students ages 15 to 18 were "elbow to elbow with Guild members that are retired or working professionals, all working on projects together," said Carle. "When you talk to the students, they say, 'Oh, it was so much fun!' What defines the fun? Skill development. Building confidence. Communicating with each other in person. Doing something for others." One of Carle'[s former students designed and built a pedestal table that won a Gold Key Award in a Scholastic Art & Writing Competition — plus a $57,000 scholarship from one of the sponsors, the Maine School of Art and Design. "There's so much problem solving, in woodworking," he said. Many kids relish working with their hands. "They glow. They thrive. It gives them confidence to pursue other interests they may not have thought they could do." Dimitri Smith, a senior who wants to become a forester and a 'fire jumper' who extinguishes forest fires, built a new handle for the 1941 Collins ax he bought at a vintage tool store in northern New Hampshire, using the traditional tools and methods he learned in woodshop. At the New England Woodworking Competition last month, he took third place among high school students for a 'hollow form,' an artistic object created with a lathe. "Technology has always been a center of discovery and change through all cultures. The computer screen is not the only center," said Carle.
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Shares of Transocean Ltd. ( NYSE:RIG – Get Free Report ) have been given an average recommendation of “Hold” by the nine research firms that are covering the stock, MarketBeat Ratings reports. One investment analyst has rated the stock with a sell recommendation, five have given a hold recommendation and three have given a buy recommendation to the company. The average 1-year price target among brokerages that have issued ratings on the stock in the last year is $6.63. A number of equities analysts have weighed in on RIG shares. Susquehanna decreased their target price on Transocean from $7.00 to $6.50 and set a “positive” rating on the stock in a research note on Friday, November 1st. Benchmark downgraded shares of Transocean from a “buy” rating to a “hold” rating in a research note on Tuesday, October 15th. Morgan Stanley boosted their price target on shares of Transocean from $5.00 to $6.00 and gave the stock an “equal weight” rating in a research note on Thursday, October 3rd. Barclays lowered their price objective on shares of Transocean from $6.00 to $4.50 and set an “equal weight” rating on the stock in a research report on Wednesday, October 23rd. Finally, DNB Markets upgraded shares of Transocean from a “hold” rating to a “buy” rating in a research report on Tuesday, September 3rd. Check Out Our Latest Analysis on Transocean Transocean Trading Up 3.0 % Insiders Place Their Bets In other news, Director Perestroika purchased 1,500,000 shares of the company’s stock in a transaction on Thursday, September 12th. The stock was acquired at an average price of $4.13 per share, with a total value of $6,195,000.00. Following the transaction, the director now directly owns 91,074,894 shares of the company’s stock, valued at approximately $376,139,312.22. This represents a 1.67 % increase in their position. The acquisition was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website . Also, EVP Roderick James Mackenzie sold 20,000 shares of the business’s stock in a transaction dated Monday, November 18th. The shares were sold at an average price of $4.29, for a total transaction of $85,800.00. Following the completion of the transaction, the executive vice president now owns 310,857 shares in the company, valued at $1,333,576.53. The trade was a 6.04 % decrease in their position. The disclosure for this sale can be found here . 13.16% of the stock is currently owned by insiders. Institutional Trading of Transocean Large investors have recently modified their holdings of the business. Oppenheimer Asset Management Inc. raised its position in shares of Transocean by 10.9% in the 3rd quarter. Oppenheimer Asset Management Inc. now owns 25,170 shares of the offshore drilling services provider’s stock worth $107,000 after acquiring an additional 2,469 shares in the last quarter. Murphy Pohlad Asset Management LLC raised its holdings in Transocean by 2.6% in the second quarter. Murphy Pohlad Asset Management LLC now owns 98,650 shares of the offshore drilling services provider’s stock worth $528,000 after purchasing an additional 2,500 shares in the last quarter. Northwestern Mutual Wealth Management Co. lifted its position in Transocean by 138.8% during the second quarter. Northwestern Mutual Wealth Management Co. now owns 4,633 shares of the offshore drilling services provider’s stock valued at $25,000 after buying an additional 2,693 shares during the period. Muhlenkamp & Co. Inc. boosted its holdings in shares of Transocean by 0.4% during the 2nd quarter. Muhlenkamp & Co. Inc. now owns 1,014,269 shares of the offshore drilling services provider’s stock valued at $5,426,000 after buying an additional 3,771 shares in the last quarter. Finally, Kovitz Investment Group Partners LLC grew its position in shares of Transocean by 34.0% in the 3rd quarter. Kovitz Investment Group Partners LLC now owns 15,877 shares of the offshore drilling services provider’s stock worth $62,000 after buying an additional 4,027 shares during the period. 67.73% of the stock is owned by institutional investors. Transocean Company Profile ( Get Free Report Transocean Ltd., together with its subsidiaries, provides offshore contract drilling services for oil and gas wells worldwide. It contracts mobile offshore drilling rigs, related equipment, and work crews to drill oil and gas wells. The company operates a fleet of mobile offshore drilling units, consisting of ultra-deepwater floaters and harsh environment floaters. Recommended Stories Receive News & Ratings for Transocean Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Transocean and related companies with MarketBeat.com's FREE daily email newsletter .A traveler took to social media to discuss why fellow passengers aboard flights are not properly discarding their trash — and shared a way to fix the problem. Posted in the “r/ SouthwestAirlines ” forum, the note was titled, “Favorite trick for people that put trash in seatback pockets.” The user said he or she witnessed an “alarming amount of people” not handing their trash to the flight attendants for collection prior to the plane’s landing. “While we are waiting to disembark, I will mention, ‘Hey, I think you left your AirPods in the setback pocket,’ which forces them to acknowledge the trash,” the person wrote. The user added, “The 4 times I’ve done this, 2 times they took the trash, one time the guy said, ‘I don’t own AirPods,’ and the last guy said it wasn’t his job.” “Just a suggestion that has a 50% success rate thus far,” the post said. Fox News Digital reached out to Southwest Airlines for thoughts. Users took to the comments section of the post to discuss the issue. “They need to pass a trash collection around like they do the money collection at church – for the same reason. Guilt people into filling it up as it passes by. Problem solved,” suggested one person. “There will always be idiots/morons/low-lifes that just do not care,” said another. That same person added, “Often [it’s] the same folks that will complain when they board and find trash that was missed.” One Redditor commented, “Not me, but someone I worked with ... Coming through to collect trash, guy has a bunch of newspapers in the seatback pocket. ‘Hey, is that trash, or are you going to keep it?’ Him: ‘I’ll keep it.’ “Well, we land, guy walks off leaving the newspaper,” the person added. Continuing the story, the user wrote, “FA [flight attendant], now tidying the plane, sees this, grabs it all, runs up the jetway and through the terminal, screaming, ‘YOU FORGOT YOUR NEWSPAPER!! YOU SAID YOU WANTED TO KEEP IT, IT MUST BE IMPORTANT TO YOU!!’ until she caught up to the guy and gave him back his paper.'” “Passive-aggressive communication at its finest,” one user said. Gary Leff, a Texas-based travel industry expert and author of the blog “View From the Wing,” told Fox News Digital that often trash is scattered in the seat pockets and left on the floor. “Increasingly, carriers spend little time cleaning up between flights . They don’t schedule planes with enough time on the ground to do it — and when a flight runs late it’s one of the first things that gets cut,” said Leff. It’s important, he noted, that passengers at least pass their trash to flight attendants as they come down the aisle to collect it. “Cleaning up after yourself is a basic starting point for civil society,” said Leff. “You need to do it at your seat on a plane, as long as the airline makes it reasonably easy, coming down the aisle with a bag to collect trash and giving you enough time to gather it — and you need to do it in the movie theater, too,” said Leff. “Don’t just abandon those popcorn bags on the floor,” Leff added. “Carry them to the bins by the exit. It’s only a few feet.”
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Pictured: Teenager, 18, stabbed to death in street as friends pay tribute - while schoolgirl, 15, is among seven arrested by policeWASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, , 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. —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 scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: - Yuri A / Shutterstock In 2007, Congress passed the 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 , 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. to settle the charges. In 2022, for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in . To better understand the rising trend of debt collection complaints, calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section . For complete results, see on . 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 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 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. examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of 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 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 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 . 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 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. 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 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 who drove home prices and rents even further. 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 , according to 2022 HUD survey data. They are also but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are , 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 . Racial and ethnic disparities are at play, too. A 2023 study in the 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 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 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.'" Stay up-to-date on the latest in local and national government and political topics with our newsletter.
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