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okbet how to withdraw money AngioDynamics to Report Fiscal 2025 Second Quarter Financial Results on January 8, 2025 and Host Virtual NanoKnife Investor EventMonument Town Council recently approved rules for healing centers that can administer psychedelics, largely banning them across town. Voters approved the new centers in a statewide ballot measure in 2022. The centers will allow those over 21 to use psychedelic mushrooms with supervision. Psilocybin in mushrooms has been used to treat depression and other mental health disorders. The ballot measure prohibited towns from banning the centers, but they can limit where they can open. In Monument, town staff drew on the same regulations in place for medical marijuana businesses to write the rules for psychedelic centers, explained town attorney Bob Cole. The town does not have any medical marijuana dispensaries. The zoning rules would limit the centers to four small areas. A town map shows the centers would be allowed at a site near Interstate 25 and Colorado 105, on land at the very northern edge of town, a site south of Eighth Street near I-25 and south of Monument Lake. The site south of Monument Lake is completely undeveloped. The council voted 6-0 in mid-December to approve rules governing the centers after hearing from only one person, a licensed professional counselor interested in the potential for psychedelics to treat veterans with post-traumatic stress disorder. The council discussed the measure in early December and seemed to favor tight restrictions for the potential healing centers, floating short hours for the healing centers, such as requiring them to close at 3 p.m. The council decided to limit the hours of the centers from Monday to Friday from 9 a.m. to 5 p.m. Vincent Bruno, the only interested person to speak at either meeting, highlighted the potential of psilocybin to treat PTSD in veterans, as well as hypervigilance and major depression. As a Monument resident, he said he was interested in potentially working in town. "If we don’t allow regulated practitioners to show that it can be done properly, what we are going to end up is unregulated folks who maybe aren’t as interested in harm reduction as I am," he said during the Dec. 16 meeting. Bruno referenced research from Johns Hopkins Medicine that has seen success. A recent study from the research hospital found that psilocybin reduced major depression in patients and kept its severity low. The Department of Veterans Affairs is also interested in investing in psilocybin research to treat PTSD and depression, it announced earlier this year . The National Institute on Drug Abuse outlines some risks of using psilocybin particularly in unsupervised settings, such as dangerous behavior and experiencing extreme fear and paranoia. It can also cause high heart rate, blood pressure and nausea. Councilman Steve King encouraged Bruno to return to the town council to give the board feedback on the new regulations. "We can certainly expand the areas it can go into, if we needed to at some point," he said. Mayor Mitch LaKind said the regulations needed to be in place ahead of the state allowing centers to open next year. The Colorado Natural Medicine Division expects the first centers to open early in the summer, Colorado Politics reported. The Colorado Springs City Council approved similar regulations for the centers, limiting them to areas around the Colorado Springs Airport and in the far northeast portion of the city.



AT THE beginning of the year, Africa was scheduled to have presidential or general elections in 19 (35%) countries. A total of 180 million eligible voters were expected to make their mark. This was a test for democracy and institutional capacity to successfully provide oversight and ensure smooth transitions, given that since 2020 Africa has experienced seven coups. In 2020, there were military coups in Guinea, Burkina Faso and Mali. The following year, Chad’s army came to power. And in 2023 there were coups in Niger (July), Gabon (September) and a failed coup in Guinea-Bissau (NovemberDecember). These coups were supported mostly by the youth. The reasons for the rise of coups in places that had previously embraced multi-party elections include the failure of the governing elites to create an inclusive framework for development, France’s influence on fiscal policy in most of her former colonies and struggling economies. Over the past five years few countries achieved GDP growth higher than 5% and formal sector employment remains a rarity for youths graduating from universities. The number of Africans trying to migrate out of the continent in search of greener pastures is on the rise. Latest data from the World Migration Report suggests that there are about 43 million African migrants overall, with 21 million living in another African country. By the end of 2023 it seemed as if electoral democracy had come to its premature collapse in Africa. Beyond the coups, several studies were beginning to point towards a waning influence of democracy, especially among the youths. Youths (people under the age of 25) make up 60% of the population, making them the biggest voting cohort. According to an Open Society Foundation study, African youths are less likely to vote, participate in community meetings or contact political leaders compared to those older than 35. According to research by Marjoke Oosterom (2023), young people are frustrated with their ageing leaders and that democracy has not delivered, in particular with respect to generating decent employment. It is against this background that the elections of 2024 gave democracy another chance. Peaceful elections that led to change occurred in Botswana, Ghana, Senegal and South Africa, where the ruling ANC lost its majority for the first time. The elections in Namibia led to the ascension of a female president. Election-related upheavals are to be expected in regions where governments have repeatedly failed to deliver on their promises. For example, Mozambique has experienced civil unrest since the election results were announced. Democracy has its enduring supporters; there is a desire among African regional bodies such as the African Union and sub-regional bodies such as the Economic Community of West Africa States, Southern African Development Community and East African Community to ensure that multiparty democracy thrives. The AU and sub-regional bodies have invested significantly in developing best practice guidelines on the holding of free and fair elections. Election monitoring and observing has grown as a practice across Africa. But democracy is costly. The average price of an election in Africa — $4.20 per capita — is twice the world’s average and higher than the $4 spent in Europe, North America and Australia. Estimates show that Sub-Saharan Africa spent almost $50 billion on polls from 2000 to 2018. Despite delivering very little in terms of change, the elections are also a huge drain on the fiscus. But holding elections is not enough. According to Afrobarometer, the number of citizens in Africa with little or no confidence in their national electoral commission rose from 41% to 55% from 2011-13 to 2021-23. Elections should not be a ritual of changing power among elites; the electorate is impatient for change. In many instances voters have demonstrated their displeasure with incumbent parties for their failure to ensure economic growth and improve livelihoods. At first glance it seems ideological differences no longer exist, given the collapse of Eastern Europe or the Soviet bloc in terms of the ideologies they used to pursue. It may seem as if there is a new consensus that development is going to be carried out using the tools of the West, which is capitalism. But further analysis beyond the surface suggests there are huge ideological concerns and differences across political parties, usually between incumbents and opposition political parties. Opposition politicians have mostly sold a new utopia of an effective government with adequate resourcing and autonomy to quickly transform economies. — M&GWASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... 2 Statesville men face murder charges in 2011 shooting death of Joey Brewer Iredell County deputies charge 7 people in drug trafficking investigation 3 men face arson charges in Statesville house fire that severely burned woman Iredell-Statesville Schools OK $3.3 million in stadium upgrades at Lake Norman High School Woman charged with stabbing car dealership employee on test drive in Mooresville Hear the songs, see Santa at Sunday's Statesville Christmas Parade Families prepare for mass deportations: 'A sad and painful time' Get to know Mooresville basketball player Cadence Lane Top vote-getter Houpe: Why am I not chairman of Iredell board of commissioners? Colombia native brings tastes of his homeland to downtown Statesville 4 pounds of marijuana, gun seized by Mooresville police officers Statesville native's book offers clues to 5 hidden treasures Iredell deputies charge Catawba County men with stealing Duke Energy wire H&W Drug, owned by Haupt family for nearly 100 years, closes in Newton McKinnon breaks record, Arnold shows offensive burst in Lake Norman’s hot start Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors 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. Most Menacing Loan Messengers 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. Loan Harassment Hotspots 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. Billionaire Bets on Bad Credit 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. Lenders Try to Shutter CFPB 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. Holidays, Interest Rates Not to Blame 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 From Q1 2021 to Q4 2022 Up 4% From Q4 2022 to Q1 2023 Up 6% From Q4 2023 to Q1 2024 Up 24% The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates From 3.08% in Q4 2021 to 3.82% in Q1 2022 From 6.66% in Q4 2022 to 6.37% in Q1 2023 From 7.30% in Q1 2023 to 6.75% in Q4 2024 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. Methodology 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 . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens 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. Veterans struggle to find a path forward 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. Vets with mental health issues most at risk for homelessness 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. 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Ben Davies is the latest to fall into that category, with the Welsh international initially primed to return for Sunday’s visit of Wolves but no longer available. Davies suffered a setback in training this week, which means Spurs could be without a fit centre-back after Radu Dragusin was forced off in the latter stages of Thursday’s 1-0 loss at Nottingham Forest with an ankle issue. Ange with a team news update ahead of Wolves on Sunday 🗣️ pic.twitter.com/0EiYh4TP8j — Tottenham Hotspur (@SpursOfficial) December 27, 2024 Postecoglou is already without first-choice central defenders Cristian Romero and Micky van de Ven after both failed to make it through their comeback fixture against Chelsea on December 7. “Yeah, that’s been our major problem this year. Guys who are coming back from injury rather than us losing players as such,” Postecoglou said. “We’re looking at those things and why they’re happening. It’s certainly happened too often this year where guys have come back and they’re the ones who are missing. “I think just about all of them, apart from Vic (Guglielmo Vicario), are recurrences of an injury. “Even with Romero, it was a different injury but it’s still a guy coming back, so it’s something we’re looking at.” There could be good news on the horizon with attackers Mikey Moore and Richarlison expected to return to training next week. A post shared by Richarlison (@richarlison) Richarlison suffered his own setback in November when his short-lived return after a calf issue was cut short when he injured the same area against Aston Villa. Moore, meanwhile, has been sidelined by a virus for the best part of two months but the 17-year-old could provide a much-needed spark in the new year when Newcastle visit on January 4. Postecoglou said: “Him and Richy are in the final phases. Next week they can start training. We’ve got a bit of a gap before the Newcastle game. “The plan is Mikey and Richy come back into first-team training next week.” Anticipated returns for Moore and Richarlison will fail to help Postecoglou against Wolves, with makeshift centre-back Archie Gray potentially set to partner up with fellow midfielder Yves Bissouma if Dragusin cannot recover. Pressed on the issue of fixture scheduling, with Spurs definitely missing eight players for Sunday’s fixture, Postecoglou said: “It is challenging. “All clubs are going to have to get their heads around it and authorities are going to have to get their heads around it. “One of two things need to happen: either you somehow change the fixture schedule, which doesn’t seem feasible, or you allow clubs bigger squads. Then you have other issues with that, as well. “The attrition rate you’re seeing and it’s not just us. We’re going through a particularly badly moment. Newcastle went through it last year and it affected them pretty badly. They were obviously in the Champions League as well and probably didn’t have the squad to cope with it. “It hits certain clubs at different times and is probably becoming more prevalent, and for all of us it’s a challenge as to how we navigate this process to keep our players healthy. “It’s not just a physical thing, it’s a mental thing. For us it’s been constant since August and we’re not even halfway through the year. And they’re not going to get a break now, so these things we’re constantly assessing.”

BOONE, N.C. (AP) — Myles Tate led Appalachian State with 20 points and Dior Conners hit the game-winning 3-pointer with one second left as the Mountaineers defeated William & Mary 79-76 on Sunday. Tate had five rebounds and 10 assists for the Mountaineers (3-2). Conners went 5 of 9 from the field (5 for 8 from 3-point range) to add 15 points. CJ Huntley shot 6 of 9 from the field and 1 for 4 from the line to finish with 14 points. Noah Collier led the Tribe (3-5) in scoring, finishing with 19 points and eight rebounds. William & Mary also got 13 points from Malachi Ndur. Kyle Pulliam also had 12 points. Appalachian State went into the half leading William & Mary 42-30. Jamil Muttilib put up 12 points in the half. Tate led Appalachian State with 15 points in the second half. NEXT UP Appalachian State plays Wednesday against Sam Houston, and William & Mary visits Old Dominion on Monday. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

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