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The Crypto Crown Clash: Qubetics, Bitcoin, and Algorand Compete for Best Spot in November 2024
With Willy Adames officially signed, what’s next for SF Giants?
Daily Dose of Social Media: Novak Djokovic hints at Cristiano Ronaldo’s new project, Alcaraz shares funniest fan encounterBy Noam N. Levey, KFF Health News Worried that President-elect Donald Trump will curtail federal efforts to take on the nation’s medical debt problem, patient and consumer advocates are looking to states to help people who can’t afford their medical bills or pay down their debts. “The election simply shifts our focus,” said Eva Stahl, who oversees public policy at Undue Medical Debt, a nonprofit that has worked closely with the Biden administration and state leaders on medical debt. “States are going to be the epicenter of policy change to mitigate the harms of medical debt.” New state initiatives may not be enough to protect Americans from medical debt if the incoming Trump administration and congressional Republicans move forward with plans to scale back federal aid that has helped millions gain health insurance or reduce the cost of their plans in recent years. Comprehensive health coverage that limits patients’ out-of-pocket costs remains the best defense against medical debt. But in the face of federal retrenchment, advocates are eyeing new initiatives in state legislatures to keep medical bills off people’s credit reports, a consumer protection that can boost credit scores and make it easier to buy a car, rent an apartment, or even get a job. Several states are looking to strengthen oversight of medical credit cards and other financial products that can leave patients paying high interest rates on top of their medical debt. Some states are also exploring new ways to compel hospitals to bolster financial aid programs to help their patients avoid sinking into debt. “There’s an enormous amount that states can do,” said Elisabeth Benjamin, who leads health care initiatives at the nonprofit Community Service Society of New York. “Look at what’s happened here.” New York state has enacted several laws in recent years to rein in hospital debt collections and to expand financial aid for patients, often with support from both Democrats and Republicans in the legislature. “It doesn’t matter the party. No one likes medical debt,” Benjamin said. Other states that have enacted protections in recent years include Arizona, California, Colorado, Connecticut, Florida, Illinois, Minnesota, Nevada, New Jersey, New Mexico, Oregon, Rhode Island, and Washington. Many measures picked up bipartisan support. President Joe Biden’s administration has proved to be an ally in state efforts to control health care debt. Such debt burdens 100 million people in the United States, a KFF Health News investigation found . Led by Biden appointee Rohit Chopra, the Consumer Financial Protection Bureau has made medical debt a priority , going after aggressive collectors and exposing problematic practices across the medical debt industry. Earlier this year, the agency proposed landmark regulations to remove medical bills from consumer credit scores. The White House also championed legislation to boost access to government-subsidized health insurance and to cap out-of-pocket drug costs for seniors, both key bulwarks against medical debt. Trump hasn’t indicated whether his administration will move ahead with the CFPB credit reporting rule, which was slated to be finalized early next year. Congressional Republicans, who will control the House and Senate next year, have blasted the proposal as regulatory overreach that will compromise the value of credit reports. And Elon Musk, the billionaire whom Trump has tapped to lead his initiative to shrink government, last week called for the elimination of the watchdog agency . “Delete CFPB,” Musk posted on X. If the CFPB withdraws the proposed regulation, states could enact their own rules, following the lead of Colorado, New York, and other states that have passed credit reporting bans since 2023. Advocates in Massachusetts are pushing the legislature there to take up a ban when it reconvenes in January. “There are a lot of different levers that states have to take on medical debt,” said April Kuehnhoff, a senior attorney at the National Consumer Law Center, which has helped lead national efforts to expand debt protections for patients. Kuehnhoff said she expects more states to crack down on medical credit card providers and other companies that lend money to patients to pay off medical bills, sometimes at double-digit interest rates. Under the Biden administration, the CFPB has been investigating patient financing companies amid warnings that many people may not understand that signing up for a medical credit card such as CareCredit or enrolling in a payment plan through a financial services company can pile on more debt. If the CFPB efforts stall under Trump, states could follow the lead of California, New York, and Illinois, which have all tightened rules governing patient lending in recent years. Consumer advocates say states are also likely to continue expanding efforts to get hospitals to provide more financial assistance to reduce or eliminate bills for low- and middle-income patients, a key protection that can keep people from slipping into debt. Hospitals historically have not made this aid readily available, prompting states such as California, Colorado, and Washington to set stronger standards to ensure more patients get help with bills they can’t afford. This year, North Carolina also won approval from the Biden administration to withhold federal funding from hospitals in the state unless they agreed to expand financial assistance. In Georgia, where state government is entirely in Republican control, officials have been discussing new measures to get hospitals to provide more assistance to patients. “When we talk about hospitals putting profits over patients, we get lots of nodding in the legislature from Democrats and Republicans,” said Liz Coyle, executive director of Georgia Watch, a consumer advocacy nonprofit. Many advocates caution, however, that state efforts to bolster patient protections will be critically undermined if the Trump administration cuts federal funding for health insurance programs such as Medicaid and the insurance marketplaces established through the Affordable Care Act. Trump and congressional Republicans have signaled their intent to roll back federal subsidies passed under Biden that make health plans purchased on ACA marketplaces more affordable. That could hike annual premiums by hundreds or even thousands of dollars for many enrollees, according to estimates by the Center on Budget and Policy Priorities, a think tank. And during Trump’s first term, he backed efforts in Republican-led states to restrict enrollment in their Medicaid safety net programs through rules that would require people to work in order to receive benefits. GOP state leaders in Idaho, Louisiana, and other states have expressed a desire to renew such efforts. “That’s all a recipe for more medical debt,” said Stahl, of Undue Medical Debt. Jessica Altman, who heads the Covered California insurance marketplace, warned that federal cuts will imperil initiatives in her state that have limited copays and deductibles and curtailed debt for many state residents. “States like California that have invested in critical affordable programs for our residents will face tough decisions,” she said. ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.
Landlord's astonishing act of kindness divides Aussie rentersMan City fans BLOCKED from leaving Juventus Stadium over PA as they tried to exit in droves after going 2-0 down
Amritsar: Three BJP ticket aspirants for Amritsar MC elections tendered their resignation to protest denial of tickets. They are Balwinder Singh, now contesting as an independent from ward number 31, Sonu Pradhan, ward number 22, Narinder Goldy, ward number 23. BJP district president Harwinder Singh Sandhu denied receiving any resignation. We also published the following articles recently BJP braces for GMC bypolls in 2 wards Ghaziabad gears up for crucial civic body bypolls in two wards on December 17, following the demise of sitting councillors. Nine candidates are vying for the vacant seats, with major parties BJP, Congress, and SP in the fray. The BJP, currently holding 77 seats in the 100-member house, aims to bolster its majority. Ward strikes right notes English hockey star Samuel Ward, 33, is set to make his Hockey India League (HIL) debut with UP Rudras, starting December 28. Recovering from a near career-ending eye injury in 2019, Ward's resilience is key for the Rudras. He's excited to play alongside Olympic medalists and learn from young captain Hardik Singh. Bypoll to 31 wards in local bodies tomorrow Byelections for 31 local body wards across 11 Kerala districts are scheduled for December 10, 2024, between 7 am and 6 pm. Over 1.5 lakh voters will choose from 102 candidates, with women comprising half the contenders. Polling will utilize 192 booths, with heightened security at sensitive locations. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .The Man City vs Tottenham live stream serves up a blockbuster, as Ange Postecoglou's wildly inconsistent Spurs team look to cash in on Pep Guardiola's glitching champions — and you can watch it from anywhere with a VPN . It was Tottenham that kicked off Man City's extraordinary four-game losing streak, the longest of Guardiola's career, and yet the perennial underachievers were mind-boggling dreadful last time out, becoming the first team to lose to newly promoted Ipswich. Their goalscorer in that game, Rodrigo Bentancur, has since been suspended for seven games for making racist comments about his captain, Son Heung-min, a shameful chapter that Spurs would be well-advised to move on from, instead of complaining about the punishment. For both teams, attack could be the best form of defence at the Etihad. Given the chance, Dejan Kulusevski and Brennan Johnson will terrorize Kyle Walker and Rico Lewis, who have become real weak links, while at the other end, the prospect of Erling Haaland against Radu Dragusin is wince-inducing. Tune in to find out who gets the crucial points. Plus make sure you don’t miss any of the EPL action with our how to watch Premier League live streams guide. How to watch Man City vs Tottenham from anywhere Away from home at the moment and blocked from watching the game on your usual subscription? You can still watch Man City vs Tottenham live thanks to the wonders of a VPN (Virtual Private Network). The software allows your devices to appear to be back in your home country regardless of where in the world you are, so it's ideal for viewers away on vacation or on business. Our favorite is NordVPN . It's the best on the market — find out why we love it in our NordVPN review . Using a VPN is incredibly simple. 1. Install the VPN of your choice . As we've said, NordVPN is our favorite. 2. Choose the location you wish to connect to in the VPN app. For instance, if you're away from the U.S. and want to view your usual American service, you'd select U.S. from the list. 3. Sit back and enjoy the action. Head to a service listed below that's showing the soccer and watch Man City vs Tottenham as normal. How to watch Man City vs Tottenham in the U.S. Viewers in the U.S. can watch the Man City vs Tottenham live stream on NBC , which comes with most cable TV packages (check local listings to see if it's available in your market) and can often be viewed with the best TV antennas . Alternatively, NBC is in the channel line-ups of a good few services for cord-cutters. That includes Sling TV , Fubo , YouTube TV and Hulu with Live TV .. Sling TV is the best value cable replacement of the lot from just $40/month and half price for your first month . Its Blue plan includes local NBC channels in a number of territories (double check that yours is included before you buy). Fubo is another great option, with over 150 channels. Plans are pricier, starting from $79.99/month, but you can see what all the fuss is about with a 7-day free trial . You also have the option to watch on the network's Peacock streaming service. Peacock subscriptions start from only $7.99/month , or $13.99/month if you'd prefer to ditch the ads. Alternatively, you can get 12 months for the price of 10 on either tier by signing up for an annual plan. If you're outside of the U.S. but have one of these subscriptions, you can watch a Man City vs Tottenham live stream by using a VPN such as NordVPN . How to watch Man City vs Tottenham in the U.K. Sky Sports is hosting the Man City vs Tottenham live stream in the U.K. at 5:30 p.m. in the evening, local time. It will go out on the Sky Sports Main Event and Premier League channels. Sky Sports subscribers can also watch the football on mobile devices via the Sky Go app that's available for iOS, iPadOS and Android devices, along with Xbox and PlayStation consoles. If you want to sign up, you can check out Sky TV deals and packages for today's best prices. Or, if you don't fancy being locked into a contract, you could opt for a Now Sports membership with plans starting from £14.99/day. If you're not in the U.K., you can still follow your usual Man City vs Tottenham live stream by using one of the best VPN services, such as NordVPN . How to watch Man City vs Tottenham in Canada Canadians can watch the Man City vs Tottenham live stream on Fubo , the home of Premier League soccer in Canada. The Sports Monthly plan gets you all Premier League matches, as well as games in Ligue 1, Serie A and the Coppa Italia, plus 70 channels including beINSports and MLB Network. It costs $29.99/month. If you're willing to fork out a larger sum all at once, a Sports Quarterly plan costs CA$79.97, which means you'll pay CA$26.66 per month. However, for the best value you'll want a Sports Annual plan which costs CA$279.99 (that's CA$23.33 per month). The Quarterly and Annual plans also allow you to watch the Premier League in 4K. Canadians stuck abroad who still want their low-price alternative can use a VPN such as NordVPN to make your streaming device believe it's back home in Canada. How to watch Man City vs Tottenham in Australia Aussies can watch the Man City vs Tottenham game on Optus Sport , which has the rights to all 380 Premier League games this season. Optus can be accessed via a dedicated mobile or tablet app, and also on streaming devices such as Chromecast and Apple TV. It usually costs $24.99/month or an annual plan is $229. Not in Australia right now? You can simply use a VPN like NordVPN to watch all the action on your Optus account as if you were back home. How to watch Man City vs Tottenham in New Zealand Kiwis can access the Man City vs Tottenham live stream (along with every other Premier League match this season) via Sky Sport Now . This costs $29.99/week, $49.99/month or $499.99/year. You can also watch the game on Sky Sport Premier League. Kick-off is at 6:30 a.m. NZDT early on Sunday morning. Not at home in New Zealand right now? You can still follow every game by using one of the best VPN services, such as NordVPN . More from Tom's Guide
Stanford and California meet for the first time as Atlantic Coast Conference rivals when each tries to prove its impressive non-league record is no fluke on Saturday afternoon in Berkeley, Calif. Stanford (7-2) took last year's season series 2-1, but the clubs were so evenly matched -- the Cardinal won 14 games, the Golden Bears 13 -- it took overtime at the final Pacific-12 Conference tournament to determine the rivalry winner. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. The Trace spotlights Lieutenant Valerie Martinez-Jordan, who has trained over 2,000 officers in a Louisiana program that prevents abusers from accessing firearms, even as federal laws become looser. Click for more. In a deep-red state, this lieutenant's blueprint for removing guns from abusers is spreadingU.S. Air Force Again Selects Gulfstream for Fleet Support
US homelessness up 18% as affordable housing remains out of reach for many people Federal officials say the United States saw an 18.1% increase in homelessness, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country. The U.S. Department of Housing and Urban Development said that federally required tallies taken across the country in January found that more than 770,000 people were counted as homeless. That increase comes on top of a 12% increase in 2023, which HUD blamed on soaring rents and the end of pandemic assistance. Among the most concerning trends was a nearly 40% rise in family homelessness. An online debate over foreign workers in tech shows tensions in Trump's political coalition WEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump’s supporters over immigration and the tech industry has thrown internal divisions in the president-elect’s political movement into public display. The argument previews fissures and contradictory views his coalition could bring to the White House. The rift laid bare tensions between the newest flank of Trump’s movement — that is, wealthy members of the tech world who want more highly skilled workers in their industry — and people in Trump’s Make America Great Again base who championed his hardline immigration policies. A 9th telecoms firm has been hit by a massive Chinese espionage campaign, the White House says WASHINGTON (AP) — A top White House official says a ninth U.S. telecoms firm has been confirmed to have been hacked as part of a sprawling Chinese espionage campaign that gave officials in Beijing access to private texts and phone conversations of an unknown number of Americans. Administration officials said this month that at least eight telecommunications companies, as well as dozens of nations, had been affected by the Chinese hacking blitz known as Salt Typhoon. But Anne Neuberger, a deputy national security adviser, said Friday that a ninth victim had been identified after the administration released guidance to companies about how to hunt for Chinese culprits in their networks. Israeli troops burn northern Gaza hospital after forcibly removing staff and patients, officials say DEIR AL-BALAH, Gaza Strip (AP) — Gaza's Health Ministry says Israeli troops have stormed one of the last hospitals operating in the territory's north on Friday and forced many of the staff and patients outside. Then they had to remove their clothes in winter weather. It was the latest assault on Kamal Adwan Hospital. Parts of it were set on fire. Staff say it has been hit multiple times in the past three months by Israeli troops waging an offensive against Hamas fighters in surrounding neighborhoods. Israel's military says Hamas uses the hospital as a base. It did not provide evidence, and hospital officials have denied it. Azerbaijani and U.S. officials suggest plane that crashed may have been hit by weapons fire U.S. and Azerbaijani officials have said weapons fire may have brought down an Azerbaijani airliner that crashed on Wednesday, killing 38 people. The statements from Rashad Nabiyev and White House national security spokesman John Kirby on Friday raised pressure on Russia. Officials in Moscow have said a drone attack was underway in the region that the Azerbaijan Airlines flight was destined for but have not addressed statements from aviation experts who blamed the crash on Russian air defenses responding to a Ukrainian attack. The plane was flying from Azerbaijan’s capital of Baku to Chechnya on Wednesday when it crashed, killing 38 people and leaving all 29 survivors injured. Court rules Georgia lawmakers can subpoena Fani Willis for information related to her Trump case ATLANTA (AP) — A judge has ruled that the Georgia state Senate can subpoena Fulton County District Attorney Fani Willis. It's part of a inquiry into whether Willis has engaged in misconduct during her prosecution of President-elect Donald Trump. But Fulton County Superior Court Judge Shukura Ingram is giving Willis the chance to contest whether lawmakers’ demands are overly broad before Willis responds. A Republican-led committee was formed earlier this year and sent subpoenas to Willis in August seeking to compel her to testify during its September meeting and to produce scores of documents. Willis argued that the committee didn’t have the power to subpoena her. In states that ban abortion, social safety net programs often fail families MEMPHIS, Tenn. (AP) — Tennessee has a nearly total abortion ban and a porous safety net for mothers and young children. GOP state leaders in Tennessee and other states that banned abortion after the U.S. Supreme Court overturned Roe v. Wade in 2022 argue that they are bolstering services for families. Recent research and an analysis by The Associated Press has found that from the time a Tennessee woman gets pregnant, she faces greater obstacles to a healthy pregnancy, a healthy child and a financially stable family life than the average American mom. Maryland sues maker of Gore-Tex over pollution from toxic 'forever chemicals' Maryland is suing the company that produces the waterproof material Gore-Tex. State officials say the company's leaders kept using so-called “forever chemicals” long after learning about serious health risks. The federal complaint alleges Delaware-based W.L. Gore & Associates polluted the air and water around 13 facilities in northeastern Maryland with chemicals that have been linked to certain cancers, reproductive issues and high cholesterol. They’re nearly indestructible and can build up in various environments, including the human body. The company stopped using the harmful chemicals in 2014 and says it’s working with state regulators on testing and cleanup efforts. Man indicted in burning death of woman inside a New York City subway train, prosecutors say NEW YORK (AP) — The man accused of burning a woman to death inside a New York City subway train has been indicted on state charges. A prosecutor announced Sebastian Zapeta’s indictment at a court hearing Friday. The development comes days after Zapeta’s arrest and subsequent police questioning in which they say he identified himself in photos and surveillance video showing the fire being lit. The indictment will be under seal until Jan. 7. He remains jailed. Federal immigration officials say the 33-year-old Zapeta is from Guatemala and entered the U.S. illegally. Authorities are continuing to work to identify the victim. Alex Ovechkin is on track to break Wayne Gretzky's NHL career goals record Alex Ovechkin of the Washington Capitals is chasing the NHL career goals record of 894 held by Wayne Gretzky. Ovechkin entered the season 42 goals short of breaking a record that long seemed unapproachable. He is set to play again Saturday at the Toronto Maple Leafs after missing more than a month with a broken left fibula. Ovechkin was on pace to get to 895 sometime in February before getting injured. At 868, he his 27 goals away from passing Gretzky.
NEW YORK (AP) — Stocks are closing lower as Wall Street ends a holiday-shortened week on a down note. The S&P 500 fell 1.1% Friday and the the Dow Jones Industrial Average lost 333 points, or 0.8%. The Nasdaq composite dropped 1.5%. The “Magnificent 7” stocks weighed on the market, led by declines in Nvidia, Tesla and Microsoft. Even with the loss, the S&P 500 had a modest gain for the week and is still headed for its second consecutive annual gain of more than 20%, the first time that has happened since 1997-1998. The yield on the 10-year Treasury rose to 4.62%. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. NEW YORK (AP) — Technology stocks are dragging down the market Friday as Wall Street closes out a holiday-shortened week. The S&P 500 fell 1.3%, with more than 90% of stocks in the benchmark index losing ground. The benchmark index was managing to hold onto a modest gain for the week. The Dow Jones Industrial Average fell 418 points, or 1%, to 42,878 as of 1:43 p.m. Eastern time. The Nasdaq composite fell 1.8%. Technology stocks were the biggest weight on the market Friday. Semiconductor giant Nvidia slumped 2.7%. Its enormous valuation gives it an outsize influence on indexes. Other Big Tech stocks losing ground included Microsoft, with a 2% decline. A wide range of retailers also fell. Amazon fell 1.9% and Best Buy slipped 1.8%. The sector is being closely watched for clues on how it performed during the holiday shopping season. Energy stocks held up better than the rest of the market, with a loss of just 0.1% as crude oil prices rose 1.4%. The S&P 500 gained nearly 3% over a 3-day stretch before breaking for the Christmas holiday. On Thursday, the index posted a small decline. “There's just some uncertainty over this relief rally we've witnessed since last week,” said Adam Turnquist, chief technical strategist for LPL Financial. Despite Friday's drop, the market is moving closer to another standout annual finish . The S&P 500 is on track for a gain of around 25% in 2024. That would mark a second consecutive yearly gain of more than 20%, the first time that has happened since 1997-1998. The gains have been driven partly by upbeat economic data showing that consumers continued spending and the labor market remained strong. Inflation, while still high, has also been steadily easing. A report on Friday showed that sales and inventory estimates for the wholesales trade industry fell 0.2% in November, following a slight gain in October. That weaker-than-expected report follows an update on the labor market Thursday that showed unemployment benefits held steady last week. The stream of upbeat economic data and easing inflation helped prompt a reversal in the Federal Reserve's interest rate policy this year. Expectations for interest rate cuts also helped drive market gains. The central bank recently delivered its third cut to interest rates in 2024. Even though Inflation has come closer to the central bank's target of 2%, it remains stubbornly above that mark and worries about it heating up again have tempered the forecast for more interest rate cuts. Inflation concerns have added to uncertainties heading into 2025, which include the labor market’s path ahead and shifting economic policies under incoming President Donald Trump. Worries have risen that Trump’s preference for tariffs and other policies could lead to higher inflation , a bigger U.S. government debt and difficulties for global trade. Amedisys rose 4.7% after the home health care and hospice services provider agreed to extend the deadline for its sale to UnitedHealth Group. The Justice Department had sued to block the $3.3 billion deal, citing concerns he combination would hinder access to home health and hospice services in the U.S. The move to extend the deadline comes ahead of an expected shift in regulatory policy under Trump. The incoming administration is expected to have a more permissive approach to dealmaking and is less likely to raise antitrust concerns. In Asia, Japan’s benchmark index surged as the yen remained weak against the dollar. Stocks in South Korea fell after the main opposition party voted to impeach the country’s acting leader. Markets in Europe gained ground. Bond yields held relatively steady. The yield on the 10-year Treasury rose to 4.61% from 4.59% late Thursday. The yield on the two-year Treasury slipped to 4.31% from 4.33% late Thursday. Wall Street will have more economic updates to look forward to next week, including reports on pending home sales and home prices. There will also be reports on U.S. construction spending and snapshots of manufacturing activity.None