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Older adults in the U.S. skip needed medical care at much higher rates compared to other developed countries, according recent survey conducted by The Commonwealth Fund . The study said 8% to 9% of older Americans skip necessary treatment compared to just 2% of seniors in countries like Sweden, the Netherlands, the U.K. and Germany. The survey said nearly all Americans aged 65 or older are covered by Medicare and have access to most basic health services. Yet they pay more for health care and are more likely to postpone or skip needed care because of the cost. RELATED STORY | Medicare enrollment is complicated, but saving money doesn't have to be Nearly a quarter of older adults in the U.S. spent at least $2,000 over the past year on out-of-pocket expenses, compared to less than 5% in France and the Netherlands who spent the same amount, the survey said. The survey results are similar for dental and mental health care, The Commonwealth Fund said. One in five older adults in the U.S., Australia and Canada reported skipping needed dental care, compared to 5% or less of older adults in the Netherlands and Germany. The survey said less than 5% of older adults in all countries reported skipping mental health services over the past year because of the cost. RELATED STORY | Medicare premiums will rise yet again in 2025. Here's what you need to knowswerte99.login 。

Premier Doug Ford has threatened to cut off energy to U.S. states in retaliation of the 25 per cent tariffs President Elect Donald Trump says he will be imposing if Canada doesn’t shore up its borders. Ford’s comments came following a virtual meeting between the premiers and Prime Minister Justin Trudeau to discuss a plan to tackle Trump’s threat to impose the tariffs on Canadian imports. Ontario’s premier said the country needs to be ready for the fight that begins when Trump is inaugurated on Jan. 20. when asked about any potential retaliatory tariffs on the U.S. “We will go to the full extent, depending on how far this goes. We will go to the extent of cutting off their energy, going down to Michigan, going down to New York State and over to Wisconsin,” said Ford. Related: “We’ll use every tool of our toolbox ... This is coming. It’s not if, it is coming. And it’s coming January 20 and 21 and we need to be prepared. We need to stand as a country,” said Ford. He adds that these tariffs won’t just hurt Canadians. “At the at the end of the day, the consumer gets hurt, Canadians get hurt. But I can assure you one thing, the Americans are going to feel pain as well.” Ford added Ontario is the number one exporter to 17 states and second to another 11 states. Canada has vowed to beef up border security in the face of Trump’s threats, despite a lack of evidence for his claims about illicit fentanyl pouring into the U.S. from Canada. While Ford said the border is a federal issue, he said they will be supportive of them at the border. “We will always be there to support, with our OPP at the ready ... I know the other regions across the country as well.” The first ministers’ meeting comes just a day after Trump launched more jibes at Trudeau on social media by calling him governor of “the great state of Canada” — a nod to his ribbing that he might just have Canada join the U.S. as its 51st state. Wednesday’s high-level meeting also comes days before Ford will hosts the fall premiers’ meeting in Mississauga, which lasts Sunday through Monday.The pickleball community all over the country was left shaken, as the FBI served a search warrant at the home of Rodney Grubbs . Grubbs is the former owner of Pickeball Rocks or "All About Pickleball LLC". According to federal bankruptcy court documents, investors are accusing Grubbs are scamming them out of millions. Some of those investors are from as far away as Arizona, according to WCPO's sister station ABC15 . "It's just something that brings you together, and Rodney was there doing that," said Doug Smook. Smook lives in South Dakota, but spends the winter in Arizona. He is the tournament director for the Happy Trails Pickleball Club in Surprise. Smook told ABC15 that's how he met Grubbs a few years ago. Currently, Smook said he is one of the investors who has not received their money back despite asking. "I invested $15,000 and the promissory note was for a 14% interest over the year," said Smook. He said in 2023, he discovered others posting about investing on social media. Smook then said he reached out to Grubbs. "Well I sent an email to Rodney and said, look, I'm just calling my note," said Smook. "Just FYI, let me know. And it was radio silence, so never had any additional contact with Rodney." Federal bankruptcy court documents allege hundreds invested with Grubbs in the form of promissory notes through his pickleball company or an alleged real estate business dating back to the early 2000's. "I don't think that I ever felt that I was investing in Rodney," said Smook. "I was investing in pickleball, the sport of pickleball." Multiple Arizonans all shared similar stories, many meeting Grubbs at a tournament. They described him as well-known and a trustworthy friend. A few said his pitch was focused on growing the sport. One woman did tell ABC15 there was a time Grubbs asked her for a personal loan. That woman said, at this point, she's owed hundreds of thousands of dollars. As Grubbs deals with legal issues in civil court, WCPO was there as the FBI served a search warrant on his Indiana home. In January, Indiana Secretary of State Diego Morales issued a cease and desist order to Grubbs "to stop an alleged fraudulent investment scheme concerning a Pickleball apparel and equipment company All About Pickleball LLC., also known as 'Pickleball Rocks.'" The petition alleges Grubbs solicited investments in the form of promissory notes from investors that "contained a high interest rate of 12% compounded monthly and contained an 18% penalty provision in the case of default." Wednesday the FBI did not tell WCPO if Grubbs was facing criminal charges. Court documents show he has denied fraud allegations in the past. But the FBI sent out an alert asking for people who invested with Pickleball Rocks to fill out an online form. The FBI’s Indianapolis Division is seeking to identify potential victims who invested with Rodney Grubbs, the former owner of Pickleball Rocks. Please visit https://t.co/XvWnr0AOKn for additional information and a link to a short form. But people like Smook want to know one thing. "Rodney, where's the money at?" After speaking to the FBI Thursday, ABC15 is reaching out to the US Attorney General's office. Online, the FBI has information on how to protect yourself from investing and possible schemes .

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The legislative election takes place after the collapse of a fragile coalition, with the economy being a top concern. Icelanders are electing a new parliament after disagreements over the economy, immigration, and the fallout from volcanic eruptions forced Prime Minister Bjarni Benediktsson to pull the plug on his coalition government and call an early election . Saturday’s election is Iceland’s sixth general election since the 2008 financial crisis devastated the economy of the North Atlantic island nation and ushered in a new era of political instability. Opinion polls suggest the country may be in for another upheaval, with support for the three governing parties plunging. Benediktsson, who was named prime minister in April following the resignation of his predecessor, struggled to hold together the unlikely coalition of his conservative Independence Party with the centrist Progressive Party and the Left-Green Movement. Harsh weather in the sub-Arctic nation threatened to hamper some voters getting to polling stations on Saturday, with heavy snow blocking roads in many areas. The weather could also delay the delivery of ballot boxes to counting centres after polls close at 10pm (22:00 GMT). Ten parties compete Voters will choose 63 members of the Althingi – parliament – in an election that will allocate seats both by regional constituencies and proportional representation. Parties need at least 5 percent of the vote to win seats in parliament. Eight parties were represented in the outgoing parliament, and 10 parties are contesting this election. Turnout is traditionally high by international standards, with 80 percent of registered voters casting ballots in the 2021 parliamentary election. A windswept island near the Arctic Circle, Iceland normally holds elections during the warmer months of the year. But on October 13, Benediktsson decided his coalition could not last any longer, and he asked President Halla Tomasdottir to dissolve the Althingi. The splintering of Iceland’s political landscape came after the 2008 financial crisis, which prompted years of economic upheaval after the country’s debt-swollen banks collapsed. The crisis led to anger and distrust of the parties that had traditionally traded power back and forth and prompted the creation of new parties ranging from the environment-focused Left-Green Alliance to the Pirate Party, which advocates direct democracy and individual freedoms. Like many Western countries, Iceland has been buffeted by the rising cost of living and immigration pressures. Inflation peaked at an annual rate of 10.2 percent in February 2023, fuelled by the fallout from the COVID-19 pandemic and Russia’s invasion of Ukraine. While inflation slowed to 5.1 percent in October, that is still high compared with neighbouring countries. The US inflation rate stood at 2.6 percent last month, while the European Union’s rate was 2.3 percent. Public finances have also been strained by repeated eruptions of a volcano in the southwestern part of the country, which have displaced thousands of people. One year after the first eruption forced the evacuation of the town of Grindavik, many residents still do not have secure housing, leading to complaints that the government has been slow to respond. It has also added to a shortage of affordable housing exacerbated by Iceland’s tourism boom. Iceland is also struggling to accommodate a rising number of asylum seekers, creating tensions within the small, traditionally homogenous country. The number of refugees seeking protection in Iceland jumped to more than 4,000 in each of the past three years, compared with a previous average of fewer than 1,000.

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Op-Ed: Vast numbers of AI idiot grad cheats and no comeback? There IS a way.New contract lows in Chicago wheat futures this week are hardly indicative of global supply concerns, but traders might want to eye what’s happening in the Black Sea region more closely. Winter grains in top wheat exporter Russia are in the worst-ever condition, and Ukraine’s current shipping capabilities could soon come under threat. Russia and Ukraine accounted for a third of global wheat exports last marketing year. Ukraine’s agricultural exports have faced challenges ever since Russia invaded the country nearly three years ago as port infrastructure has been a prime target for attacks. This forced Ukrainian grain exporters to seek an alternative route through Romania’s Constanta port on the Black Sea. The frontrunner for Sunday’s Romanian presidential runoff has suggested halting Ukrainian grain exports out of his country if elected. The move could be popular with Romanian farmers, who have previously protested the transit of Ukrainian farm goods to preserve local markets. It is unclear whether this ban is likely or even possible, but Ukraine’s involvement has had some positive economic impacts. Overall traffic of goods at Constanta in 2023 surged 22.5% on the year, largely owing to ongoing European Union-funded infrastructure projects. But it could be problematic if Ukraine lost Constanta as an outlet under a worst-case scenario. Constanta handled 14 million metric tons of Ukrainian grain in 2023, accounting for roughly 30% of Ukraine’s total grain exports that year. For the 2024-25 marketing year that began July 1, Ukraine’s wheat exports are seen falling 14% from the previous year. However, Ukrainian grain exports from Constanta in the first 10 months of 2024 have dropped 52% on the year as Ukraine has increased reliance on its own seaports. This dampens the impact of a potential Constanta loss, but the continuing war with Russia means that threats to Ukraine’s seaports never completely vanish. Luckily for Ukrainian exporters, they had shipped half of the government-agreed wheat export volume for 2024-25 as of Nov. 13. A top Russian official on Thursday said the winter crops are in poor condition, just one day after Russian analysts reported winter crops in the worst-ever health, citing data not usually made public. The official also said the situation is not critical, but a deeper dive may suggest otherwise. The analysts said at least 37% of winter crops are in poor condition compared with 4% a year ago, and this is the worst rating ever recorded. On average over the last five years, just 8% of winter crops are in poor shape by this date. Further, only 31% of crops are in good condition versus 74% a year ago. The portion of crops in good condition is a 23-year low. The last time Russia’s grains were in concerning shape ahead of the winter was in 2020, when about 22% of the crops were in poor condition as of early December. At the time, it was the worst rating in seven years. Although the exact figure is not known, the share of good-rated crops four years ago was not a seven-year low, setting it apart from this season. The woes in both years were caused by dry weather during fall planting. The 2025 Russian wheat harvest may already be starting in a hole. Farmers said last month they would sow less wheat this year in favor of more profitable crops, including oilseeds. Preliminary estimates have pegged the 2025 harvest close to 2024 levels, which were down 20% from the record 2022 result. Wheat is a notoriously hearty plant that can recover from harsh conditions if weather turns favorable, so it might be difficult to drum up traders’ fears over Russia this early in the game. But once the crop breaks dormancy in the spring, satellite imagery as well as recent weather data should offer good clues as to the state of Russia’s wheat crop, regardless of whether the government chooses to share the intel. Source: Reuters (Editing by Sonali Paul)

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Scouted: PSA: LYMA’s Luxury At-Home Laser Is 20% Off Ahead of Black FridayThe European Union reached a blockbuster free trade agreement Friday with Brazil, Argentina and the three other South American nations in the Mercosur trade alliance, capping a quarter-century of on-off negotiations even as France vowed to derail the contentious accord . Provided it is ratified, the accord would create one of the world’s largest free trade zones, covering a market of 780 million people that represents nearly a quarter of global gross domestic product. The accord’s proponents in Brussels say it would save businesses some $4.26 billion in duties each year, slashing red tape and removing tariffs on products like Italian wine, Argentine steak, Brazilian oranges and German Volkswagens. Its critics in France, the Netherlands and other countries with big dairy and beef industries say the pact would subject local farmers to unfair competition and cause environmental damage . From Uruguay, the host of the Mercosur summit, European Commission President Ursula von der Leyen hailed the deal as a “truly historic milestone” at a time when global protectionism is on the rise. “I know that strong winds are blowing in the opposite direction, toward isolation and fragmentation, but this agreement is our clear response,” von der Leyen said, an apparent reference to U.S. President-elect Donald Trump’s vows to protect American workers and goods. Under pressure from his country’s powerful and vocal farming lobby, French President Emmanuel Macron said Friday the deal remained “unacceptable” as it stands and stressed that governments have not yet seen “the final outcome” of negotiations. “The agreement has neither been signed nor ratified. This is not the end of the story,” Macron’s office said, adding that France demands additional safeguards for farmers and commitments to sustainable development and health controls. For France to block the deal, it would need the support of three or more other EU member states representing at least 35% of the bloc’s population. The French government, which has been rallying countries to oppose the pact, named Austria, Belgium, Italy, the Netherlands and Poland as other wary states that share French concerns about the deal. To take effect, the pact must also be endorsed by the European Parliament. In remarks aimed at her “fellow Europeans,” and perhaps in particular French skeptics, von der Leyen promised the accord would boost 60,000 businesses through lower tariffs , streamlined customs procedures and preferential access to raw materials otherwise supplied by China. “This will create huge business opportunities,” von der Leyen said. She then turned to address European farmers who fear that an influx of cheap food imports will jeopardize their livelihoods. South American countries do not have to adhere to the same standards for animal treatment and pesticide use. “We have heard you, listened to your concerns, and we are acting on them,” von der Leyen said. Outrage over environmental rules, rising costs and unregulated imports has unleashed massive farmers’ protests across the continent over the past year. Leaders on both sides of the Atlantic who long have pushed for the deal praised the announcement Friday, welcoming the results as a boon for export industries. It marks the first major trade agreement for Mercosur, which is comprised of Argentina, Brazil, Uruguay, Paraguay and, newly, Bolivia. The bloc had previously only managed to conclude free-trade deals with Egypt, Israel and Singapore. “An important obstacle to the agreement has been overcome,” said Chancellor Olaf Scholz of Germany, where the nation’s vaunted car industry is poised to profit. From Spain, Prime Minister Pedro Sánchez called the agreement “an unprecedented economic bridge.” At the Mercosur summit in Uruguay’s capital of Montevideo, Brazil’s President Luiz Inacio Lula da Silva praised “a modern and balanced text which recognizes Mercosur’s environmental credentials.” “We are securing new markets for our exports and strengthening investment flows,” he said. The Brazilian Trade and Investment Promotion Agency said it expects the pact to boost the nation’s Europe-bound exports by $7 billion. Libertarian President Javier Milei of Argentina described the accord as aligning with his free market principles. Argentines are excited about selling more beef and agricultural products in the EU. The deal is the product of 25 years of painstaking negotiations , dating back to a Mercosur summit in Rio de Janeiro in 1999. Talks collapsed over differences in economic priorities , regulatory standards and agricultural policies. The rise of protectionist tendencies also repeatedly upended hopes. Momentum picked up in 2016, as former President Trump imposed harsh tariffs on Europe. At the same time, market-friendly governments came to power in South America’s biggest economies, Brazil and Argentina, which had been closed for years. In June 2019, negotiators announced a deal that included provisions for tariff reductions and commitments to environmental standards. But it was never implemented. In Brazil, the region’s economic powerhouse, right-wing former President Jair Bolsonaro in Brazil, presided over record levels of deforestation in the Amazon , prompting EU governments to demand tougher sustainability criteria . In Argentina, a new left-wing protectionist government opposed the deal. But things picked up as the region’s politics shifted again in 2023. Brazil’s President Lula rode to power on pledges to rein in illegal logging , soothing concerns that the pact could accelerate deforestation . Argentina’s Milei is working to open the nation’s notoriously closed and crisis-stricken economy. But if past EU trade agreements are any indication, ratification could take years. “We celebrate it, but it’s still far from reality,” Milei said of the accord. In 2016, the EU and Canada signed a pact, known as the Comprehensive Economic and Trade Agreement, or CETA, but the approval process is still lumbering along. Germany’s parliament only signed off on that pact two years ago, and the French Senate rejected it in March this year . “Anyone with any memory is skeptical,” said Brian Winter, a vice president of the New York-based Council of the Americas. “They have trotted out leaders and declared victory and celebrated, and yet there always seems to be a hitch.”

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