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SEOUL, South Korea (AP) — South Korean law enforcement officials on Monday requested a court warrant to detain impeached President Yoon Suk Yeol as they investigate whether his short-lived martial law decree on Dec. 3 amounted to rebellion. The Corruption Investigation Office for High-Ranking Officials, which is leading a joint investigation with police and military authorities into the power grab that lasted only a few hours, confirmed it requested the warrant from the Seoul Western District Court. They plan to question Yoon on charges of abuse of authority and orchestrating a rebellion. Yoon has dodged several requests by the joint investigation team and public prosecutors to appear for questioning and has also blocked searches of his offices. It’s not clear whether the court will grant the warrant or whether Yoon can be compelled to appear for questioning. Under the country’s laws, locations potentially linked to military secrets cannot be seized or searched without the consent of the person in charge, and it’s unlikely that Yoon will voluntarily leave his residence if he faces detainment. Yoon’s presidential powers were suspended after the National Assembly voted to impeach him on Dec. 14 over his imposition of martial law that lasted only hours but has triggered weeks of political turmoil, halted high-level diplomacy and rattled financial markets. Yoon’s fate now lies with the Constitutional Court, which has begun deliberations on whether to uphold the impeachment and formally remove Yoon from office or reinstate him. Yoon has defended the martial law decree as a necessary act of governance, describing it as a warning against the liberal opposition Democratic Party, which has been bogging down his agenda with its majority in the parliament. Parliament voted last week to also impeach Prime Minister Han Duck-soo, who had assumed the role of acting president after Yoon’s powers were suspended, over his reluctance to fill three Constitutional Court vacancies ahead of the court’s review of Yoon’s case. The country’s new interim leader is Deputy Prime Minister Choi Sang-mok, who is also finance minister.Stunned Massachusetts educators, ADL call for MassCUE apology after ‘hateful’ anti-Israel and Holocaust rhetoric at conferencePeople dine at a hotpot restaurant in Jiulongpo District, southwest China's Chongqing, Aug. 2, 2023. (Xinhua/Liu Chan) CHONGQING, Dec. 28 (Xinhua) -- A total of 54 individuals, including 19 foreigners, received their vocational skill certificates as "hotpot chefs" on Friday, becoming the first batch of professionals to be officially accredited for this occupation in China. After passing previous cooking exams, these skilled workers from countries such as Poland, Pakistan and Ghana were awarded certificates of various levels during the Launch Ceremony of the Belt and Road International Skills Certification, held in southwest Chongqing Municipality on Friday. "I am happy to pass the certification exam and receive my certificate as a junior-level hotpot chef," said Claudia Katarzyna Bzyl, a Polish student at the School of Economics and Business Administration, Chongqing University. She added that after undergoing systematic training, she now has a deeper understanding of Chongqing's hotpot and has developed a fondness for its food culture. "I will continue learning and plan to open a Chongqing hotpot restaurant in Poland. Thus, people can savor Chongqing flavor," Bzyl said. Apprentices learn to cook hotpot at a hotpot restaurant in Nan'an District, southwest China's Chongqing Municipality, March 9, 2024. (Xinhua) The role of hotpot chef was officially recognized in the 2022 edition of China's occupational classification code. A detailed standard outlining the profession's definition, skill levels and vocational training requirements was jointly published in February by China's Ministry of Human Resources and Social Security and the Ministry of Commerce. Renowned nationwide for its spicy hotpots, Chongqing took the lead in formulating the industry standard. As of June 2024, the municipality was home to around 37,000 hotpot restaurants, with the total output of the hotpot industry chain reaching 300 billion yuan (about 41.7 billion U.S. dollars), according to the Chongqing Municipal Commission of Commerce. Chongqing has made significant progress in establishing an international evaluation system for skilled talent, according to Xie Liguo, head of the Chongqing Municipal Human Resources and Social Security Bureau, the organizer of the ceremony. During the event, Chongqing also launched other international skills certifications across various sectors, including catering, logistics, the internet and new energy. Furthermore, Chongqing institutions also signed a memorandum of understanding on skills certification cooperation with TüV Rheinland (China) Ltd., a leading testing and certification service provider headquartered in Germany.
AFP – Thousands of protesters marched through Barcelona demanding lower rents in Spain’s second city. Barcelona, which has already taken action to stop the spread of holiday rental apartments, is the latest Spanish city to see protests for cheaper housing. Backed by left-wing parties and unions, the demonstrators gathered in central Barcelona behind a giant banner declaring ‘Lower the rents’. “Today a new political cycle starts concerning housing,” spokesperson Carme Arcarazo for the Catalan Tenants Union, the main organiser, told reporters. “Investors must not be allowed to come to our cities and play with the apartments like a game of Monopoly,” she added. The union would target “profiteers” who are taking “half of our salaries”, Arcarazo said. The demonstrators demanded a 50-per-cent cut in rents, leases with an unlimited term and a ban on “speculative” sales of buildings. They threatened to start a rent strike. An estimated 22,000 people took part in a similar demonstration in Madrid on October 13. Campaigns have been launched in other cities. According to the Idealista specialised website, rental prices per square metre have risen 82 per cent across Spain over the past decade. The average salary has gone up by 17 per cent in that time, according to the national statistics institute. Facing pressure over a housing crisis, the government in 2023 passed legislation calling for more social housing, greater restrictions on rents in high demand areas and penalties for owners who do not occupy properties. But rents have continued to rise while the government has battled city and regional authorities to get some parts of the law applied.Pieces of debris remain scattered at Muan International Airport following a deadly crash that left 179 people dead in Muan County, South Jeolla Province, Dec. 29. Yonhap Foreign Minister Cho Tae-yul extended his condolences Monday to the victims of the deadly plane crash at Muan International Airport and their families, including two Thai victims. "The tragic plane crash at Muan International Airport has left us in utter shock and profound sadness," Cho wrote on the social media platform X. "Our hearts are torn apart by the loss of so many precious lives, including those of the two Thai nationals who had been on board," he said. "Our heartfelt thoughts and condolences go out to all the victims and their families." Biden says he is 'deeply saddened' by loss of life in Jeju Air crash, vows to provide necessary aid 2024-12-30 08:30 | World The Jeju Air flight, which departed from Bangkok, crashed into the outer wall of the Muan airport, located some 290 kilometers southwest of Seoul, the previous day while attempting a belly landing following a suspected bird strike. The accident killed all 181 people on board, except for two flight attendants who were in the tail section. The victims included two Thai nationals. Thai Prime Minister Paetongtarn Shinawatra also expressed her condolences to the victims and their families on X, saying that she had directed the country's foreign ministry to assist the bereaved families. (Yonhap)
TALLAHASSEE — Matt Gaetz’ knack for courting controversy has finally caught up with him. The right-wing firebrand, political prankster, steadfast Trump defender and party animal stepped down as the president-elect’s choice for Attorney General once it was made clear to him he didn’t have the needed support in the U.S. Senate. Senators on both sides of the aisle had reacted to the former Florida congressman’s nomination with shock, with one calling him “a not serious candidate” and others demanding more details about the sex scandals swirling around him for the past few years. After being asked Thursday to comment on a report that a 17-year-old girl had sex with him twice at a former lawmaker’s house party in Seminole County in 2017, Gaetz bowed out so he would not “unfairly become a distraction” for President-elect Donald Trump. Even without the allegations of sexual misconduct, Gaetz was an unusual choice for attorney general, experts said. He had the least amount of legal experience of any nominee since the end of World War II. “His background doesn’t look anything like other attorney generals going back to Eisenhower. It makes no sense,” said Carl Tobias, a law professor at the University of Richmond and expert on federal courts and the judicial selection process. Most presidents have picked attorney generals with vast professional and legal experience because they run an agency of 40 separate divisions, including the Office of Solicitor General, FBI, Drug Enforcement Administration, U.S. Marshals Service, Bureau of Prisons, and the Bureau of Alcohol, Tobacco and Firearms, Tobias said. “I don’t think he even appreciates how the DOJ works,” Tobias said. Gaetz’s reputation for trolling enemies on social media and insulting fellow members of Congress on conservative talk shows left him with few allies in Washington, D.C. In one of his most high-profile actions, Gaetz wore a gas mask on the House floor while Congress voted on a multi-billion dollar bill to respond to the COVID-19 pandemic. “The big picture for Gaetz is that all his questionable behavior, actions and statements have caught up with him finally,” said Aubrey Jewett, a political science professor at the University of Central Florida. “For a long time it seemed like they would not because he had the president elect’s ear.” And now, his political future depends on Trump’s continued support. Trump didn’t waste any time replacing Gaetz with fellow Floridian Pam Bondi, a former state attorney general who is a more likable yet equally dedicated Trump loyalist without the same amount of baggage as Gaetz. But Trump took to his own Truth Social platform to praise Gaetz, saying he had “much respect” for his decision to step down. “Matt has a wonderful future, and I look forward to watching all of the great things he will do!” Trump said. U.S. Rep. Anna Paulina Luna, a fellow Republican from Florida and Trump supporter, posted on X that Gaetz was the victim of a media smear, and feared facing the same kind of brutal grilling as Justice Brett Kavanaugh endured six years ago. Gaetz ended speculation Friday that he would return to his Florida District 1 Congressional seat when the new session begins in January by saying that eight years was enough and it was time to move on to new things. “Usually at some point the president or nominee realizes it is not going to happen,” Jewett said. “Instead of forcing the issue and airing dirty laundry out in public they withdraw. That appears to be what happened.” Typically, presidents nominate attorney generals who have extensive experience, often as judges or prosecutors, as they will be overseeing the world’s largest law office, with more than 115,000 employees. Gaetz graduated from the College of William and Mary law school in 2007 and started working at the Fort Walton Beach law firm of Larry Keefe, who was Trump’s appointee as U.S. Attorney for the Northern District of Florida during his first term and is Florida’s public safety czar for Gov. Ron DeSantis. As a junior lawyer, Gaetz handled mostly run-of-the-mill cases. The Okaloosa County court records show him handling about two cases a year in his home county. His first two cases were traffic infractions, and he also worked on debt and contract disputes, negligence and workers compensation claims. One case involved a homeowners association in its dispute against Walton County over the location of a beach volleyball net, records show. After less than a year as a lawyer, Gaetz was pulled over for speeding in his father’s BMW and arrested for drunk driving. He refused to take a breathalyzer test and the charges against him were dropped. He’s been casual about maintaining his practice, Florida Bar records show. He had his license suspended for failing to pay his fees in 2021 but it was reinstated when he paid up. He also was cited for not keeping up with his continuing legal education requirements in 2023. And he was cited two years in a row for not being up to date on his trust account reports. In 2010, Gaetz ran as a Tea Party Republican and was elected to the Florida House of Representatives. His financial disclosure form said he earned $29,000 from his legal practice that year. He spent his time defending Florida’s controversial “stand-your-ground” law and railing against the Affordable Care Act and Medicare. But he was instrumental in getting Florida’s medical marijuana law passed. He quickly got a reputation for lashing out against his political enemies in Florida and that expanded when he went to D.C. He was investigated by the Florida Bar for an incendiary tweet accusing Michael Cohen, a former Trump attorney and head of the Trump Organization, of infidelity. The House Ethics Committee admonished Gaetz for his comments. He also received a letter from the Florida Bar advising him that a comment he made about House Speaker Nancy Pelosi, a Democrat, was inappropriate. He took down the post and apologized. When Gaetz criticized former Florida Rep. Chris Latvala, a fellow Republican, for meeting with the Rev. Al Sharpton in 2020, Latvala accused Gaetz of starting a sex game where lawmakers earned points for sleeping with aides, interns, lobbyists and married lawmakers. The game had been reported by the Miami Herald in 2017 but it wasn’t until 2020 that Latvala connected the game to Gaetz – who denied the accusation. As a freshman congressman in 2017, he raised eyebrows when he cast the lone vote against an anti-human trafficking bill. And his decision to wear the gas mask on the floor earned him condemnation from many quarters. Even more bizarre, in 2020 an unmarried Gaetz at the time shocked fellow members of Congress with the revelation that he had an “adopted” son, a Cuban immigrant whose mother had died of cancer and was the brother of Gaetz’ girlfriend at the time. “His temperament or personality just doesn’t fit the role. He’s never been a serious guy,” Jewett said. “His thing is firing up the base, getting media attention and likes on social media. That is not typically what you want in an Attorney General. That doubled with the ethical and legal clouds are a terrible fit.” ©2024 Orlando Sentinel. Visit orlandosentinel.com . Distributed by Tribune Content Agency, LLC.Topline Jimmy Carter, the Georgia peanut farmer who had the lowest approval ratings of a post-war U.S. president except for Donald Trump and Harry Truman during his one term in office, but gained wide respect in the decades after he left office for his humanitarian work, died Sunday at the age of 100, his foundation announced . Key Facts Get Forbes Breaking News Text Alerts: We’re launching text message alerts so you'll always know the biggest stories shaping the day’s headlines. Text “Alerts” to (201) 335-0739 or sign up here . Crucial Quote In 1976, Carter ran as an outsider who campaigned on Americans’ frustrations with Nixon and his corruption. “There are a lot of things I would not do to be president,” Carter said during the presidential campaign in 1976. “I will never make a misleading statement. I will never lie to you.” Ranked around 12th in early polling, Carter leapfrogged former Alabama Governor George Wallace and former nominee Hubert Humphrey to win the 1976 Democratic primary. Surprising Fact Carter is the only president in history to serve a full term in office and not appoint a Supreme Court justice, and the only president to have lived in subsidized housing before he took office. Big Number 4,390. That’s how many homes Carter built for Habitat For Humanity during his lifetime, according to the organization. Key Background Carter was born in Plains, Georgia, in 1924. His father, James Earl Carter Sr., was a farmer who was heavily involved in local politics, while his mother, Lillian Gordy Carter, was a nurse. Carter graduated from the United States Naval Academy in 1946, before marrying Rosalynn Smith. After graduating from the Naval Academy, Carter served on submarines, and was later commissioned to work on an upstart nuclear submarine program. Following his father’s death in 1953, Carter received a release from active duty to return to Plains to run the family peanut farm. Carter then got involved in local politics, serving on the Sumter County school board, and was elected to the Georgia state Senate in 1963. He ran for Georgia governor in 1966 and lost, before he ran successfully in 1970. Carter’s mixed record on race has drawn scrutiny since leaving office. During the 1960s, Carter remained mostly on the sidelines of civil rights issues as seismic events took place in his home state. During his 1970 run for governor, Carter employed controversial dog whistle campaign tactics to win the support of conservative rural voters, an issue he was uncomfortable talking about even at the end of his life. In his inaugural speech as governor in 1970, Carter famously told the crowd, “The time for racial discrimination is over,” prompting several supporters to walk out in protest. The speech helped elevate Carter to national attention—he appeared on the cover of Time Magazine in 1971—which he used as a springboard to run for president in 1976. As president, Carter changed the makeup of the federal judiciary by tripling the number of minority judges and signed legislation to restrict racist mortgage lending practices. He created two Cabinet-level departments: the Department of Energy and the Department of Education. In 2002, Carter was awarded the Nobel Peace Prize "for his decades of untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development." In February 2023, the Carter Center announced Carter, then 98 years old, had decided to “spend his remaining time at home with his family” and receive hospice care instead of additional medical intervention. The former president previously suffered from other health issues, including melanoma that spread to his liver and brain in 2015, though doctors announced later that year he was cancer-free. He underwent surgery in 2019 to alleviate pressure on his brain before suffering a minor pelvic fracture and injuring his forehead—requiring 14 stitches—in a series of falls that year. Tangent In 2019, Carter suggested then-President Donald Trump was an illegitimate president “because the Russians interfered on his behalf.” Trump, responding to the former president’s comments, said Carter was a "nice man, terrible president." Carter and his wife, Rosalynn, did not attend President Joe Biden’s inauguration ceremony after spending most of their time at home during the pandemic. Further ReadingNone
How to use Google Docs templates to boost your productivityWASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. 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: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. 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 March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
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FIFA confirms 2034 World Cup coming to Saudi ArabiaA charity organization, ITECH Vocational Charity, has graduated 80 individuals, including secondary school students trained in computer fundamentals and technology foundations. Speaking during the presentation of certificates to the graduates at the ITECH training center in Ilesa, Osun State, on Friday, the President of the organization, Adewale Ladesuyi, emphasized that the students have acquired skills enabling them to become self-reliant. “Today’s program demonstrates that Nigerian youngsters can achieve remarkable things when they put their minds to it. I encourage them not to relent but to keep improving on what they have learned. “We are training these individuals because we see a brighter future for them. While others may not realize it now, they will eventually appreciate the dividends of these acquired skills, and others will envy their success. “We have instilled honesty in them, making them understand that without honesty, progress is impossible. However, with honesty in action, the sky will be the starting point of their success.” ALSO READ: Reasons you should stop buying Asoebi The center manager, Mosaku Moyogbore, explained that the students were selected from three schools, with the organization placing a strong focus on grassroots development. He also noted that some teachers from the selected schools had been trained to impart knowledge to the graduating students. Additionally, he announced that new training programs had been introduced for interested students at the center. “Teachers from various schools have been trained to train their students, complementing our efforts at the center. “Today, we are graduating 80 students from St. Lawrence’s Grammar School, Iloko Model College, AFOPET College, and our center. The graduates include both younger and older individuals. “They have been trained in Computer Fundamentals, Tech Foundation, A+, Network+, Data+, Security+, and Helpdesk and Application Support. “We are also introducing new programs, including solar generator building, solar installation, mobile phone repairs, and computer engineering. These will be offered as six-month training programs,” he said. A Chief Lecturer at the Federal Polytechnic, Ede, Dr. Lawrence Ige Fagbohun, in his keynote address, urged the graduates to prepare for the challenges ahead and to continue seeking knowledge. “After the training, they need to go out and establish themselves. In doing so, they will face challenges, including those from the government, which cannot even provide adequate jobs. “Don’t be afraid to start small. When you start small, you grow big. They need to build relationships with competitors in business and continuously seek knowledge,” he advised.According to the preliminary results of the State Electoral Commission (DIP), the incumbent president and candidate of the SDP party Zoran Milanovic is convincingly in the lead in the first round of the presidential election with 49.10% of the vote. The HDZ party candidate, Dragan Primorac, is in second place with 19.35%. Primorac addressed the public after the results were announced: “Dear Croatians, thank you for going to the polls and showing your responsibility and patriotism. I would especially like to thank those who placed their trust in me, but also those who did not – because you will have the opportunity to do so in the second round of voting. I know the gap may seem large at first glance , but the first round was full of noise and many candidates. It was not easy to fully present our programme with so many centre and right-wing candidates. Now we have a great opportunity: Zoran Milanovic and I will finally face each other one on one, so let’s see who stands for what,” Primorac began. “So far, Milanovic has had a team supporting him while he watched from the shadows. Now I am calling on him – starting tomorrow – to step up and speak out. Tell us what you think, what you know and what your programme is. I will convince you that my programme is much better for the future of Croatia,” he added. Primorac called the current result a challenge and thanked the other candidates for their participation in the election: “ Regardless of the first result, over 50 per cent of citizens want change and we will bring them that change. In the second round, we are starting afresh. All these voters say they want a different Croatia.” Primorac also thanked voters abroad for their support as well as Prime Minister Andrej Plenkovic and the HDZ party: “They have shown how much they believe in me and I promise that I will not disappoint them.” He concluded with about the stakes in the second round : “ 12 January is a crucial day – a day when you will decide the fate of our homeland, which can no longer tolerate division, conflict and a president who leads a political faction from the shadows. Croatia needs a change. I invite you all to listen carefully to what Milanovic and I have to offer and to judge who is the better candidate. I urge everyone to go to the polls and vote for the future of our homeland,” said Primorac.
