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bet365 365 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. 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.6. Vehicle Exhaust:Moore, Fears help No. 12 Oklahoma put away Prairie View 89-67 to remain unbeaten

Moreover, it is crucial for the relevant authorities to investigate the incident thoroughly and take appropriate action to ensure the safety and well-being of all frontline workers. Adequate training and support should be provided to city management officers to equip them with the skills and resources needed to handle challenging situations effectively.Real Madrid's medical and coaching staff play a crucial role in ensuring that players are adequately prepared for the challenges ahead. From monitoring workload and fatigue levels to providing specialized support for individual players, every effort is made to keep the squad in optimal condition. Butragueno highlighted the importance of communication between the various departments within the club to coordinate efforts and address any potential issues before they escalate.

In conclusion, the reported interest from Napoli in acquiring Sebastiano Esposito from Inter Milan for €5 million in the summer transfer window adds an intriguing subplot to the Serie A transfer market. The potential move showcases Napoli's ambition and belief in the young forward's talent, setting the stage for an exciting transfer saga in the coming months. Stay tuned for further developments as Napoli seeks to bolster their squad for the challenges ahead.The couple's recent decision to get a haircut together may have seemed like a small gesture, but it ended up sparking a wave of excitement among their fans. Images of their fresh new looks spread like wildfire on social media, with fans praising their stylish and modern hairstyles. Xiang Zuo's sharp new haircut accentuated his handsome features, while Zhao Xiaohua's chic bob framed her face beautifully.

Name a hot topic, and chances are good there's a new law about it taking effect in 2025 in one state or another. Many of the laws launching in January are a result of legislation passed this year. Others stem from ballot measures approved by voters. Some face legal challenges. Here's a look at some of the most notable state laws taking effect: Hollywood stars and child influencers California, home to Hollywood and some of the largest technology companies, is seeking to rein in the artificial intelligence industry and put some parameters around social media stars. New laws seek to prevent the use of digital replicas of Hollywood actors and performers without permission and allow the estates of dead performers to sue over unauthorized AI use. Parents who profit from social media posts featuring their children will be required to set aside some earnings for their young influencers. A new law also allows children to sue their parents for failing to do so. Social media limits New social media restrictions in several states face court challenges. A Florida law bans children under 14 from having social media accounts and requires parental consent for ages 14 and 15. But enforcement is being delayed because of a lawsuit filed by two associations for online companies, with a hearing scheduled for late February. A new Tennessee law also requires parental consent for minors to open accounts on social media. NetChoice, an industry group for online businesses, is challenging the law. Another new state law requires porn websites to verify that visitors are at least 18 years old. But the Free Speech Coalition, a trade association for the adult entertainment industry, has filed a challenge. Several new California measures aimed at combating political deepfakes are also being challenged, including one requiring large social media platforms to remove deceptive content related to elections and another allowing any individual to sue for damages over the use of AI to create fabricated images or videos in political ads. School rules on gender In a first nationally, California will start enforcing a law prohibiting school districts from adopting policies that require staff to notify parents if their children change their gender identification. The law was a priority for Democratic lawmakers who wanted to halt such policies passed by several districts. Abortion coverage Many states have passed laws limiting or protecting abortion rights since the U.S. Supreme Court overturned a nationwide right to the procedure in 2022. One of the latest is the Democratic-led state of Delaware. A law there will require the state employee health plan and Medicaid plans for lower-income residents to cover abortions with no deductible, copayments or other cost-sharing requirements. Gun control A new Minnesota law prohibits guns with "binary triggers" that allow for more rapid fire, causing a weapon to fire one round when the trigger is pulled and another when it is released. In Delaware, a law adds colleges and universities to a list of school zones where guns are prohibited, with exceptions for those working in their official capacity such as law officers and commissioned security guards. Medical marijuana Kentucky is becoming the latest state to let people use marijuana for medical purposes. To apply for a state medical cannabis card, people must get written certification from a medical provider of a qualifying condition, such as cancer, multiple sclerosis, chronic pain, epilepsy, chronic nausea or post-traumatic stress disorder. Nearly four-fifths of U.S. states have now legalized medical marijuana. Minimum wages Minimum wage workers in more than 20 states are due to receive raises in January. The highest minimum wages will be in Washington, California and Connecticut, all of which will top $16 an hour after modest increases. The largest increases are scheduled in Delaware, where the minimum wage will rise by $1.75 to $15 an hour, and in Nebraska, where a ballot measure approved by voters in 2022 will add $1.50 to the current minimum of $12 an hour. Twenty other states still follow the federal minimum wage of $7.25 an hour. Safer traveling In Oregon, using drugs on public transit will be considered a misdemeanor crime of interfering with public transportation. While the measure worked its way through the legislature, multiple transportation officials said drug use on buses and trains, and at transit stops and stations, was making passengers and drivers feel less safe. In Missouri, law enforcement officers have spent the past 16 months issuing warnings to motorists that handheld cellphone use is illegal. Starting with the new year, penalties will kick in: a $150 fine for the first violation, progressing to $500 for third and subsequent offenses and up to 15 years imprisonment if a driver using a cellphone cause an injury or death. But police must notice a primary violation, such as speeding or weaving across lanes, to cite motorists for violating the cellphone law. Montana is the only state that hasn't banned texting while driving, according to the National Conference of State Legislatures. Tax breaks Tenants in Arizona will no longer have to pay tax on their monthly rent, thanks to the repeal of a law that had allowed cities and towns to impose such taxes. While a victory for renters, the new law is a financial loss for governments. An analysis by Arizona's nonpartisan Joint Legislative Budget Committee estimated that $230 million would be lost in municipal tax revenue during the first full fiscal year of implementation. Meanwhile Alabama will offer tax credits to businesses that help employees with child care costs. Kansas is eliminating its 2% sales tax on groceries. It also is cutting individual income taxes by dropping the top tax rate, increasing a credit for child care expenses and exempting all Social Security income from taxes, among other things. Taxpayers are expected to save about $320 million a year going forward. Voting rights An Oklahoma law expands voting privileges to people who have been convicted of felonies but had their sentences discharged or commuted, including commutations for crimes that have been reclassified from felonies to misdemeanors. Former state Sen. George Young, an Oklahoma City Democrat, carried the bill in the Senate. "I think it's very important that people who have gone through trials and tribulations in their life, that we have a system that brings them back and allows them to participate as contributing citizens," Young said. Associated Press writers Trân Nguyễn in Sacramento, California; Kate Payne in Tallahassee, Florida; Jonathan Mattise in Nashville, Tennessee; Randall Chase in Dover, Delaware; Steve Karnowski in Minneapolis; Bruce Schreiner in Frankfort, Kentucky; Claire Rush in Portland, Oregon; Summer Ballentine in Jefferson City, Missouri; Gabriel Sandoval in Phoenix; Kim Chandler in Montgomery, Alabama; John Hanna in Topeka, Kansas; and Sean Murphy in Oklahoma City contributed.He just can’t be stopped. With No. 4 Penn State trailing by six at Minnesota in the third quarter , the Nittany Lions offense turned to their go-to guy, star tight end Tyler Warren. He had three straight catches for 30 yards, topped off by a Nicholas Singleton score to re-take the lead. More Penn State Football News Key Penn State starter suffers injury, leaves game at Minnesota No. 4 Penn State extends lead over Minnesota on 4th-quarter field goal: Live updates Penn State could be without veteran skill player today vs. Minnesota

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For investors, the current scenario presents a dilemma between the pursuit of higher returns and the preservation of capital. With lower yields on traditional money market funds, investors may need to reassess their investment strategies and consider alternative options to optimize their cash positions.In addition to the internal dynamics of the cabinet, analysts are also considering the external factors that may influence the success of policy implementation under the Trump 2.0 administration. One such factor is the current political climate in the United States, which is characterized by a heightened level of partisanship and polarization. While this may present challenges in garnering bipartisan support for certain policies, analysts argue that the cohesive and experienced nature of the nominee cabinet may help bridge ideological divides and build consensus across party lines.The match itself proved to be a thrilling encounter, with both teams showcasing their attacking prowess and defensive resilience. Despite the high stakes and intense pressure, Liverpool managed to hold Manchester City to a hard-fought draw. Henderson's composed presence in midfield and vocal leadership on the pitch played a crucial role in ensuring that his team remained organized and disciplined throughout the match.

John's self-discipline challenge began with good intentions and a strong resolve to improve himself. He meticulously planned out his strategy, set clear goals, and even enlisted the support of friends and family to hold him accountable. However, what John failed to anticipate was the impact of his decision to constantly cover his face during the challenge.Partner and national leader, capital advisory, Deloitte LLP Age 36 I don’t have a particular career highlight to point to, but I take great pride in my resilience and willingness to tackle challenges. I’ve discovered that I thrive in ambiguous and tough environments, where I feel most energized, engaged, and effective. A special thanks to David for encouraging me to push my limits. Navigating the corporate world and making career moves, whether within your organization or externally, can be intimidating. I’ve experienced this process a few times, and each time has been just as challenging as the first. I want to extend my gratitude to Paul for his invaluable guidance throughout. My colleagues describe my leadership style as open-minded. By adopting an individualistic approach and understanding people’s motivations, I can build trust with my team more effectively. Once that trust is established, it fosters openness to feedback and enhances performance. However, trust can be fragile, so it’s essential to nurture it continuously. I’d like to express my gratitude to Dean for his inspiration. My background is primarily in the corporate sector. To be an effective practitioner, relationship builder, leader and colleague, it’s crucial to stay curious and attuned to the dynamics of your market. Transitioning from a technical expert to a leader and impactful marketplace participant is a challenging journey. I strive to think critically, write persuasively and speak convincingly. Charisma is an incredibly powerful trait, and when paired with technical expertise and execution skills, it can create a significant positive influence. I’d like to thank Russell for his insightful guidance. I grew up playing a lot of soccer and continued at the university level. The shift from being a solid youth player to struggling in university was tough. My coach had an old-school, straightforward approach. I quickly realized I needed to learn two important lessons: Success doesn’t happen overnight, and it’s essential to focus on the process rather than the results. Embracing patience and concentrating on what I could control proved invaluable. I’m grateful to Alan for encouraging me to take a different approach. I don’t have a clear definition of success, but I want to thank Brent for encouraging me to reflect on what it means for me. I seek to create an environment where I can thrive in my career and make a meaningful impact on my family and community. This environment can at times feel like a high-stakes game, leading to stress if not managed well. This underscores the importance of creating a disciplined approach to my professional and personal responsibilities. Finding balance between order and chaos is an ongoing challenge, but I’m lucky to have a wonderfully supportive spouse. I make an effort to stay as active as possible, so my days usually include hiking, running, cycling and exercise classes. I play more golf in the summer and ski in the winter. I also love exploring fields outside my expertise, so I often dive into books, podcasts and audiobooks. With young children, spending time with extended family is also a top priority—after all, what’s life about if not connection? Thanks, Stuart, for setting this example. I aspire to have a greater impact on my family, community and country. With children of my own, I often reflect on the kind of world I want to leave for them. We live in a time of uncertainty and conflict, but I believe Canada, with its talented people, rule of law, stable democracy and abundant resources, has the potential to thrive if managed well. Canada is a remarkable place, and I’m committed to doing my part to make it even better. Four people in my life have laid the foundation for my early career success. To my wife, Eliza, thank you for creating a purposeful and shared life; to my brother, Adam, for always pushing me to compete; to my mother, Kathy, for selflessly prioritizing my interests over her own; and to my grandma Diane and late grandpa Pat for exemplifying resiliency, generosity and gratefulness in their life. I am truly thankful to all of you. The commitment to be resilient and to do hard things consciously so I can gain truth, wisdom and a sense of agency Nikkei Place Foundation, and The Nikkei National Museum and Cultural Centre A good book and a beach possibly with a drink that has a lime in it Chilliwack Okeya Kyujiro in Vancouver by Daron Acemoglu and James Robinson, by Marcus Aurelius and by Daniel Kahneman Stand up for what you believe in and speak out when others hesitate Dean Kirkham, co-CEO of Trez Capital and Phil Vanderpol, CEO of Vitalus Nutrition I’m a twin and one quarter Japanese.

In the end, Mbappe's bold decision to confront the issue head-on and rally his teammates against a common enemy proved to be the turning point in their season. His unwavering leadership and commitment to the team's cause set an example for all, showing that unity and trust are the pillars of success in any team.Wu Zhen's shortcomings were further highlighted by his counterpart, Zhou Qi, who had an off night and failed to provide the defensive presence that Beijing desperately needed. As the game wore on, it became evident that Beijing's chances of victory were slipping away, and the blame was squarely placed on their soft center.

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The fallout from his actions is likely to be far-reaching, not only impacting the company financially but also tarnishing its reputation and eroding trust among stakeholders. The betrayal of trust inherent in white-collar crimes such as embezzlement underscores the need for robust internal controls and ethical guidelines to prevent such incidents from occurring in the future.Despite the uncertainties and unpredictability of football, one thing remains certain – the battle for the Premier League title is alive and well, with Manchester City and the other three contenders locked in a gripping race towards glory. As the season reaches its climax, fans can expect fireworks, drama, and heart-stopping moments as these elite teams vie for supremacy in one of the most exciting title races in recent memory.

As the couple continues to fry meatballs infused with the essence of 50,000 kilos of radishes, they do so not just for the love of food but as a celebration of their transformation. It is a tribute to the relentless spirit that fueled their journey, and a testament to the fact that with perseverance, dedication, and a sprinkle of radish magic, anything is possible.

Let’s all work together to prioritize the health and well-being of our beloved pets by staying informed, vigilant, and proactive in choosing safe and nutritious food options for them.As the group stage of the UEFA Champions League nears its climax, the upcoming matchday is poised to deliver a spectacle of high-quality football and intense drama. With prestigious clubs like Liverpool, Atletico Madrid, Inter Milan, Real Madrid, and PSG in action, fans can expect a feast of thrilling moments, stunning goals, and captivating narratives. Who will emerge victorious in these blockbuster clashes? Only time will tell, as the drama unfolds on the grand stage of the Champions League.

PTI playing negotiations drama: AzmaHowever, as the curtains rose on opening night, it quickly became apparent that something was amiss. The audience's initial excitement turned to confusion as they witnessed a disjointed and poorly executed adaptation of the classic play. Dialogue was muddled, performances were lackluster, and key plot points were lost in a sea of nonsensical stage directions.

However, recent incidents have tarnished the reputation of the 707 Special Forces unit. From failed operations to embarrassing blunders, the once-flawless elite forces have become the subject of jokes and ridicule in the public eye. Videos and memes mocking their missteps have gone viral, painting a picture of incompetence and ineptitude that stands in stark contrast to their past legacy., the , didn't hold back on Saturday morning as he reacted t . Just a day after being found liable for assault, McGregor The case revolved around allegations made by , who claimed that following a 2018 Christmas party. While McGregor has consistently denied the allegations, asserting that the encounter was consensual, a jury ruled against him, . Notably, the jury found that , the other man accused in the case, McGregor first responded to an X post from the Irish Independent that stated, " ." He replied with a sharp retort: " " The fighter's defense of Lawrence was a recurring theme in his posts. Addressing Lawrence's exoneration, McGregor wrote, "T " McGregor vows to appeal assault verdict In a lengthy social media rant, McGregor and the treatment of Lawrence. He claimed that evidence and statements from those present on the night in question were ignored. " " McGregor said. He also voiced his determination to continue fighting for justice, stating, " " Despite the verdict, McGregor remains adamant about his innocence and has announced plans to appeal. Speaking to TMZ, he said he was disappointed with the jury's decision and felt that not all evidence reviewed by the was presented during the trial. " ," McGregor explained. The fighter's strong reaction on social media underscores his commitment to clearing his name while continuing to support James Lawrence, who he feels has been unjustly accused.