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( MENAFN - GetNews) The first battle in our country's morality war must start with us. That can be hard because if you are like me, you have screwed up royally in the past. Drew Alan Hall describes his father as his best friend, though they sometimes disagree on specific subjects. One such subject is politics. While neither Hall nor his father considers themselves far right or far left, they occupy different sides of the aisle regarding presidential candidates. Recent elections have sparked heated conversations between them, often centered not on tax strategy or foreign policy but on morality - specifically, the morality of individuals and their politics. Election years tend to bring moral issues to the forefront of public discourse, addressing topics ranging from gender identification to abortion and beyond. These issues emerge in debates between candidates and conversations among individuals, often spilling over into social media. During one such discussion with his father, Hall observed that many people look to political figures and parties as society's moral compass. The distinction between the morality of policies and the morality of candidates often becomes blurred. Hall believes followers of Jesus should take time to pray and reflect on how they approach their beliefs about morality and political choices before casting their votes. The desire for leaders to embody strength and integrity is not unique to America. The Bible illustrates this struggle when God's people asked for a king. Saul, who looked the part, was flawed internally, while David, a man after God's heart, made significant moral missteps. These two leaders, despite their outward differences, both faced moments of moral failure. Hall notes that while society often demands its leaders exemplify morality and integrity, individuals may not hold themselves to the same standards. The first step in addressing the nation's morality issues must begin with individuals. Acknowledging personal mistakes can be challenging, and past failures may lead some to feel unworthy of being used by God. Hall suggests that such thinking can cause people to expect their leaders to achieve what they themselves cannot. Conversations about morality and leaders' actions often overlook personal accountability. To see a shift in national morality aligned with God, Hall emphasizes that individuals must first address their own lives. This personal transformation does not necessarily require running for office but does demand active participation in the mission of making disciples and sharing the good news of Jesus. Hall draws parallels to the life of Peter, who, after denying Jesus, initially returned to his old life as a fisherman. However, an encounter with the risen Messiah helped Peter move past his guilt and step into God's work, ultimately playing a pivotal role in the establishment of the church. Hall highlights that while Peter did not pursue political office, his personal transformation led to world-changing impact. As the election approaches, Hall encourages individuals to seek a transformative conversation with Jesus. Such a conversation can lead to the realization of God's plan for their lives, replacing guilt and shame with grace and forgiveness. Hall believes this shift - aligning actions with beliefs - can gradually influence the nation's morality. For Christians navigating the election season, Hall offers three steps. First, engage in an honest conversation with Jesus to assess whether personal actions align with beliefs. Second, pray for guidance to discern the candidate to support and determine how to do so in a way that honors Christ. Third, remember that a follower of Jesus finds identity in His life, death, and resurrection - not in any political candidate or party. Regardless of who wins the presidency, Jesus remains King. About "How To Keep it Real" by Drew Alan Hall Has regret over past denial of God kept you from the purpose he has for your life? The good news is God does not want you to stay sidelined by past mistakes. By comparing the story of Peter's denial to my own, this book shows how one tough conversation with Jesus could be the thing that moves you forward to radically living for him. In this book, readers will be introduced to three things. Get a Free Copy of this Book on Amazon From December 23 to December 27th. Amazon: Kharis Website: About Kharis Publishing At Kharis Publishing, we believe every writer deserves a chance to share their story with the world. If you've faced rejection after rejection, you're not alone-many great authors have been in your shoes. 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NC State and East Carolina meet in next season's opener. But first, the Military BowlVadodara: City-based New Era Senior Secondary School, Nizampura, will host the CBSE regional science exhibition on Nov 29 and Nov 30. The exhibition will feature participants from all over Gujarat, showcasing their innovative projects in both junior and senior categories. The theme for this year's exhibition is " Science and Technology for a Sustainable Future ," emphasising the importance of scientific and technological advancements in promoting sustainability. Participants will present their projects under the sub-themes of food, health and hygiene, transport and communication, natural farming, disaster management, mathematical modelling and computational thinking, waste management, and resource management. A total of 86 teams in the junior and senior categories will compete for a chance to advance to the national level. These entries will be judged by an eminent team of experts from the concerned fields. "This event promises to be a platform for students to demonstrate their creativity, problem-solving skills, and dedication to sustainable development," a release issued by the school said.
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Comedian Shane Gillis can't get enough of TikTokkin' Sixers rookie Jared McCain -- in fact, he says he pours his heart to the hooper when he's drunk ... but so far, he's being left on read. The "Tires" actor made the hilarious admission during a recent episode of "Matt and Shane's Secret Podcast" ... when he said he's a huge fan of how McCain can balance being a professional basketball player and social media sensation at the same time. "There's a bro I like right now," Gillis said. "His anima is fully liberated. Jared McCain for the Sixers. He's the guy doing the f***ing TikTok dances. His anima's out. He does not care." "He's dropping 30 and doing TikToks and everyone's mad, dude." The Sixers suck but the TikToks are FIRE pic.twitter.com/28y66UE8GN Of course, McCain -- who has more than 4 million followers on TikTok -- is known to be unapologetically himself and has been dubbed the NBA's first real Troy Bolton. He paints his nails to match his uniform ... and fans have even stitched his clips with his on-court highlight reels. Gillis gave his best McCain impression ... singing the beginning of the popular "2 Days Into College" tune -- a reference to McCain's vid that has attracted more than 12 million views. Waiting for your permission to load TikTok Post. "I love this dude so much," Gillis continued. "I DM him and he doesn't answer. I get drunk and DM him. I go, 'You're the man.'" While McCain has yet to respond to Gillis' support, it might be because he's busy putting together a Rookie of the Year campaign -- averaging 16.6 points a game so far this season.BY MELISSA GOLDIN Social media users are misrepresenting a Vermont Supreme Court ruling , claiming that it gives schools permission to vaccinate children even if their parents do not consent. The ruling addressed a lawsuit filed by Dario and Shujen Politella against Windham Southeast School District and state officials over the mistaken vaccination of their child against COVID-19 in 2021, when he was 6 years old. A lower court had dismissed the original complaint, as well as an amended version. An appeal to the U.S. Supreme Court was filed on Nov. 19. But the ruling by Vermont’s high court is not as far-reaching as some online have claimed. In reality, it concluded that anyone protected under the Public Readiness and Emergency Preparedness Act, or PREP, Act is immune to state lawsuits. Here’s a closer look at the facts. CLAIM: The Vermont Supreme Court ruled that schools can vaccinate children against their parents’ wishes. THE FACTS: The claim stems from a July 26 ruling by the Vermont Supreme Court, which found that anyone protected by the PREP Act is immune to state lawsuits, including the officials named in the Politella’s suit. The ruling does not authorize schools to vaccinate children at their discretion. According to the lawsuit, the Politella’s son — referred to as L.P. — was given one dose of the Pfizer BioNTech COVID-19 vaccine at a vaccination clinic held at Academy School in Brattleboro even though his father, Dario, told the school’s assistant principal a few days before that his son was not to receive a vaccination. In what officials described as a mistake, L.P. was removed from class and had a “handwritten label” put on his shirt with the name and date of birth of another student, L.K., who had already been vaccinated that day. L.P. was then vaccinated. Ultimately, the Vermont Supreme Court ruled that officials involved in the case could not be sued. “We conclude that the PREP Act immunizes every defendant in this case and this fact alone is enough to dismiss the case,” the Vermont Supreme Court’s ruling reads. “We conclude that when the federal PREP Act immunizes a defendant, the PREP Act bars all state-law claims against that defendant as a matter of law.” The PREP Act , enacted by Congress in 2005, authorizes the secretary of the Department of Health and Human Services to issue a declaration in the event of a public health emergency providing immunity from liability for activities related to medical countermeasures, such as the administration of a vaccine, except in cases of “willful misconduct” that result in “death or serious physical injury.” A declaration against COVID-19 was issued on March 17, 2020. It is set to expire on Dec. 31. Federals suits claiming willful misconduct are filed in Washington. Social media users described the Vermont Supreme Court’s ruling as having consequences beyond what it actually says. “The Vermont Supreme Court has ruled that schools can force-vaccinate children for Covid against the wishes of their parents,” reads one X post that had been liked and shared approximately 16,600 times as of Tuesday. “The high court ruled on a case involving a 6-year-old boy who was forced to take a Covid mRNA injection by his school. However, his family had explicitly stated that they didn’t want their child to receive the ‘vaccines.’” Other users alleged that the ruling gives schools permission to give students any vaccine without parental consent, not just ones for COVID-19. Rod Smolla, president of the Vermont Law and Graduate School and an expert on constitutional law, told The Associated Press that the ruling “merely holds that the federal statute at issue, the PREP Act, preempts state lawsuits in cases in which officials mistakenly administer a vaccination without consent.” “Nothing in the Vermont Supreme Court opinion states that school officials can vaccinate a child against the instructions of the parent,” he wrote in an email. Asked whether the claims spreading online have any merit, Ronald Ferrara, an attorney representing the Politellas, told the AP that although the ruling doesn’t say schools can vaccinate students regardless of parental consent, officials could interpret it to mean that they could get away with doing so under the PREP Act, at least when it comes to COVID-19 vaccines. He explained that the U.S. Supreme Court appeal seeks to clarify whether the Vermont Supreme Court interpreted the PREP Act beyond what Congress intended. “The Politella’s fundamental liberty interest to decide whether their son should receive elective medical treatment was denied by agents of the State and School,” he wrote in an email to the AP. “The Vermont Court misconstrues the scope of PREP Act immunity (which is conditioned upon informed consent for medical treatments unapproved by FDA), to cover this denial of rights and its underlying battery.” Ferrara added that he was not aware of the claims spreading online, but that he “can understand how lay people may conflate the court’s mistaken grant of immunity for misconduct as tantamount to blessing such misconduct.”Residential Mortgage Market Forecasted to Reach $26.5 Billion by 2031 | Roquette Freres Company, Cargill Inc., SPI Pharma, Qingdao Bright Moon Seaweed Group Co 11-27-2024 07:34 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: DataM Intelligence 4 Market Research LLP The Residential Mortgage Market study by DataM Intelligence offer an in-depth analysis of the market, presenting insightful observations, statistics, historical data, and industry-validated market insights. The report delves into the competitive positioning of key companies, examining factors such as product offerings, pricing strategies, financial health, product portfolios, growth initiatives, and geographical reach. Download a Free sample PDF (Use Corporate email ID to Get Higher Priority) at: - https://datamintelligence.com/download-sample/residential-mortgage-market What is the projected growth rate (CAGR) of the Global Residential Mortgage market from 2024 to 2031, and what is the market value expected to change by 2031? The Global Residential Mortgage Market reached US$ 11.2 billion in 2022 and is expected to reach US$ 26.5 billion by 2031, growing with a CAGR of 11.3% during the forecast period 2024-2031. A residential mortgage is a loan provided by a financial institution to individuals for purchasing or refinancing a residential property. The borrower agrees to repay the loan amount, along with interest, over a specified period through monthly installments. The property itself serves as collateral, meaning the lender can seize it if the borrower defaults on the loan. Residential mortgages are a common method for homeownership, offering various types such as fixed-rate, adjustable-rate, and government-backed loans to suit different financial needs. Key Developments: ❁ In July 2023, LendInvest, a prominent player in the lending industry, has made a significant move in UK mortgage market by launching its residential mortgage product range nationwide. The pivotal step marks not only a major achievement for the company but also a notable development for the entire industry. The move enables all UK intermediaries to access LendInvest's newly introduced residential mortgage offerings via their online platform. ❁ In June 2023, Intercontinental Exchange, Inc. (ICE), a prominent global provider of data, technology and market infrastructure, successfully launched its first mortgage. The two cash-settled futures contracts are based on the ICE U.S. Conforming 30-year Fixed Mortgage Rate Lock Index and the ICE U.S. Jumbo 30-year Fixed Mortgage Rate Lock Index. The indices are updated daily and track U.S. residential mortgage loan applications where borrowers and lenders commit to locking in interest rates before closing. By tying these futures contracts to primary market rates, investors now have a more precise tool to hedge their exposure to U.S. residential mortgage rates, surpassing the available options. List of the Key Players in the Residential Mortgage Market: Wells Fargo Home Mortgage, Rocket Mortgage, JP Morgan Chase, Bank of America Home Loans, U.S. Bank Home Mortgage, CitiMortgage, PNC Mortgage, SunTrust Mortgage, Freedom Mortgage and PennyMac Loan Services Research Process: Both primary and secondary data sources have been used in the global Residential Mortgage Market research report. During the research process, a wide range of industry-affecting factors are examined, including governmental regulations, market conditions, competitive levels, historical data, market situation, technological advancements, upcoming developments, in related businesses, as well as market volatility, prospects, potential barriers, and challenges. Segment Covered in the Residential Mortgage Market: By Type: Fixed-Rate Mortgage (FRM), Adjustable-Rate Mortgage (ARM), FHA Loan, VA Loan, Jumbo Loan, Conventional Loan By Provider: Banks, Credit Unions, Online Lenders, Non-Bank Lenders, Mortgage Companies, Savings and Loan Associations, Government Agencies Regional Breakout: The global Residential Mortgage Market report focuses on six major regions: North America, Latin America, Europe, Asia Pacific, the Middle East, and Africa. Get Discounts on Premium Report:- https://www.datamintelligence.com/buy-now-page?report=residential-mortgage-market Regional Analysis: The global Residential Mortgage Market report focuses on six major regions: North America, Latin America, Europe, Asia Pacific, the Middle East, and Africa. The report offers detailed insight into new product launches, new technology evolutions, innovative services, and ongoing R&D. The report discusses a qualitative and quantitative market analysis, including PEST analysis, SWOT analysis, and Porter's five force analysis. The Residential Mortgage Market report also provides fundamental details such as raw material sources, distribution networks, methodologies, production capacities, industry supply chain, and product specifications. **The full version of the report includes an in-depth analysis of emerging players and startups, which will provide valuable insights into the evolving market landscape and key strategies being adopted** Chapter Outline: ⏩ Market Overview: It contains chapter wise data, as well as information about the research scope, major manufacturers covered, market segments, Residential Mortgage market segments, study objectives, and years considered. ⏩ Market Landscape: The competition in the Global Residential Mortgage Market is evaluated here in terms of value, turnover, revenues, and market share by organization, as well as market rate, competitive landscape, and recent developments, transaction, growth, sale, and market shares of top companies. ⏩ Companies Profiles: The global Residential Mortgage market's leading players are studied based on sales, main products, gross profit margin, revenue, price, and growth production. ⏩ Market Outlook by Region: The report goes through gross margin, sales, income, supply, market share, CAGR, and market size by region in this segment. North America, Europe, Asia Pacific, Middle East & Africa, and South America are among the regions and countries studied in depth in this study. ⏩ Market Segments: It contains the deep research study which interprets how different end-user/application/type segments contribute to the Residential Mortgage Market. ⏩ Market Forecast: Production Side: In this part of the report, the authors have focused on production and production value forecast, key producers forecast, and production and production value forecast by type. ⏩ Research Findings: This section of the report showcases the findings and analysis of the report. ⏩ Conclusion: This portion of the report is the last section of the report where the conclusion of the research study is provided. Get Customization in the report as per your requirements:- https://datamintelligence.com/customize/residential-mortgage-market Frequently Asked Questions ✹ What is the expected growth rate of the global market for the forecast period? ✹ What are the key driving factors that are responsible to shape the fate of the Residential Mortgage market during the forecast period? ✹ What will be the overall size of the market during the analysis period? ✹ What are the prominent market trends which influence the development of the Residential Mortgage market across various regions? ✹ Who are the key market players and the market strategies that have helped them to secure the leading position in the global market? ✹ What are the challenges and threats that are likely to act as a barrier to the growth of the Residential Mortgage market? ✹ What are the major opportunities that the companies can get to attain success in the world? Contact Us - Company Name: DataM Intelligence Contact Person: Sai Kiran Email: Sai.k@datamintelligence.com Phone: +1 877 441 4866 Website: https://www.datamintelligence.com About Us - DataM Intelligence is a Market Research and Consulting firm that provides end-to-end business solutions to organizations from Research to Consulting. We, at DataM Intelligence, leverage our top trademark trends, insights and developments to emancipate swift and astute solutions to clients like you. We encompass a multitude of syndicate reports and customized reports with a robust methodology. Our research database features countless statistics and in-depth analyses across a wide range of 6300+ reports in 40+ domains creating business solutions for more than 200+ companies across 50+ countries; catering to the key business research needs that influence the growth trajectory of our vast clientele. This release was published on openPR.
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AN American recently found that their Social Security benefits were cut dramatically due to certain federal policies. While those policies are changing soon, some have still lost about half of the money in their monthly distributions for decades. About 72 million Americans depend on programs from the Social Security Administration (SSA) for their livelihood. Still, some find they aren't able to access their funds after retiring because of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). Each provision reduces or eliminates all Social Security benefits for select Americans if they received a public pension that didn't withhold tax for Social Security. Essentially, because taxes weren't taken out, they don't get the cash. Read More on Social Security This mostly affects former teachers , firefighters, and other public servants who are done working and looking for retirement benefits through Social Security. That accounts for around a whopping 2.8 million Americans who are state, county, municipal, or special district employees. FAIRNESS THEORY Both WEP and GPO were passed in the 1970s and 80s to prevent select Americans from getting cash from both a federal pension and Social Security, effectively receiving doubled benefits. WEP was specifically created to decrease the payments of those who qualify for Social Security benefits by up to half of their pension value if they also received another pension through their job where they didn't pay Social Security taxes. Most read in Money This process is exactly what will happen to California resident Michelle Cosgrove, with her benefits reduced by a whopping $557, per CBS News . Cosgrove would've been getting over $1,100 monthly Social Security distributions had she not decided to start working again after having children . She had initially worked as a paralegal and paid Social Security taxes for years before becoming a stay-at-home mom. Some years afterward, she decided to go back to work as a public school teacher in San Francisco, paying into the California educator pension fund known as CalSTRS . Around the time she was about to retire, the payments were reduced under the rules of the WEP. Additionally, the GPO also affected Cosgrove as after her husband died from a rare cancer in 2022. Social Security provides a source of income when you retire or if you cannot work due to a disability. There are four main types of Social Security benefits: Retirement - a monthly check that replaces part of your income when you reduce your hours or stop working altogether. Social Security Disability Insurance (SSDI) or “disability” provides monthly payments to people who have a disability that stops or limits their ability to work. Supplemental Security Income (SSI) - provides monthly payments to people with disabilities and older adults who have little or no income or resources. Survivor benefits - monthly payments to eligible family members of people who worked and paid Social Security taxes before they died. WIDOW RULE Under the rules of the GPO, if a pension recipient is a widow of someone who had received Social Security benefits, they could have reduced survivor benefits or not get them at all. Considering the WEP and GPO and the tight financial position each now put her in, Cosgrove said she almost wished she hadn't taught. "If I'd have stayed home and done nothing, I'd have gotten all the money," she told CBS News. "Had I known this I might not have gone into teaching. I'd have picked something different." The GPO also disproportionately affects women, with about 83% of impacted individuals being female, per Congressional Research Service findings . While the results can be devastating, the SSA emphasized in a statement to the publication that "state and local government employers are required [by law] to disclose potential effects of WEP/GPO on newly hired non-covered employees." "We work to pay the right people the right amounts at the right time, and Social Security issues correct payments in most cases," a spokesperson noted. "However, there is room to improve, as people count on the agency to prevent overpayments and underpayments from happening." REMOVAL IMMINENT Even so, the WEP and GPO will be repealed as part of the Social Security Fairness Act, which was passed and approved by the Senate on December 21, 2024. The bill will soon be signed into law by the White House. It will likely take several months for the SSA to recalculate benefits for the around 3 million affected Americans and only affects current and future retirees, per MissionSquare Retirement . That means adjustments won't be seen immediately. The Social Security Fairness Act ultimately seeks to correct the Social Security Administration's cost and revenue system. Current projections show Social Security funds to run out entirely by 2035, but Read More on The US Sun Many Social Security recipients should also watch out for a 2.5% boost that's on the way for monthly payments. An expert also told The U.S. Sun in an exclusive conversation that there's "extraordinary" money to be saved if President-elect Donald Trump makes a crucial change to Social Security.LISBON, Portugal (AP) — The goals are flying in again for Arsenal — and it just happens to coincide with the return from injury of Martin Odegaard. Make that eight goals in two games since the international break for Arsenal after its 5-1 hammering of Sporting Lisbon in the Champions League on Tuesday, tying the English team’s heaviest ever away win in the competition. Odegaard is back in Arsenal’s team after missing two months with an ankle injury . In that time, Mikel Arteta’s attack stuttered, with a 2-0 loss to Bournemouth and a 1-0 defeat at Newcastle dropping the Gunners well off the pace in the Premier League. There was also a 0-0 draw at Atalanta in the Champions League as well as a 1-0 loss to Inter Milan last month, when Odegaard made his comeback from injury as an 89th-minute substitute. Since then, Arsenal hasn’t lost and the goals have returned. After a 3-0 win over Nottingham Forest on Saturday came the cruise in Lisbon — and Odegaard was at the heart of everything as Sporting’s unbeaten start to the season came to an end. “He’s an unbelievable player,” Arsenal winger Bukayo Saka said of Odegaard. “The day he returned, there was a big smile on my face. You can see the chemistry we have. I hope he stays fit for the rest of the season.” RELATED COVERAGE Julián Álvarez picking up the scoring pace with Atletico Madrid Messi’s son debuts at Argentina youth tournament as grandparents watch Man City blows 3-goal lead and gets booed by fans in draw with Feyenoord in Champions League Odegaard was involved in the build-up to Arsenal’s first two goals against Sporting — scored by Gabriel Martinelli and Kai Havertz — and was fouled to win the penalty converted by Saka in the 65th to restore Arsenal’s three-goal lead at 4-1. Odegaard was seen flexing his leg after that but continued untroubled and was substituted in the 78th minute. The last thing Arteta would want now is another injury to Odegaard as Arsenal attempts to reel in first-place Liverpool in the Premier League. Liverpool is already nine points ahead of fourth-place Arsenal after 12 games. ___ AP soccer: https://apnews.com/hub/soccer
Riyadh : The Kingdom of Saudi Arabia’s King Salman on Wednesday, November 27, inaugurated the Riyadh Metro project. The Saudi Press Agency (SPA) described the project as the backbone of the public transport network in Riyadh. During the opening ceremony, the King watched a documentary film, explaining the key features of a major public transport project during his prosperous era. The new metro system aims to cater to the increasing population’s needs, reduce traffic congestion, and enhance air quality. The project comprises a 176 kilometre network of six automated metro lines, 85 stations, and 183 trains, all designed and technically advanced. The Custodian of the Two Holy Mosques views an introductory video about the Riyadh Metro — one of the Kingdom’s major projects during his prosperous reign — distinguished by its standout design and technological features, with a network that spans 176 kilometers across 6 lines... pic.twitter.com/qyN6AMvvaY The metro will be operational daily from 6 am to midnight from December 1. The lines will open in stages over two months, starting with blue, yellow, purple on December 1, red and green on December15, and orange on January 5, 2025. Speaking on the occasion, Crown Prince Mohammed bin Salman thanks the Custodian of the Two Holy Mosques for his support and patronage of the Riyadh Public Transport Project, including metro and bus systems, from concept to execution. “The Riyadh Public Transport Project, which spans metro and bus networks, is the culmination of concerted efforts made by King Salman and the outcome of his visionary leadership while serving as the Chairman of the High Commission for the Development of Arriyadh, the predecessor of the Royal Commission for Riyadh City,” he added.