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2025-01-13
In March, we reported on back-to-back FDA approvals for two treatments in pulmonary arterial hypertension (PAH). In this report, we follow up on what has happened since. After the FDA approved both combination macitentan/tadalafil (Opsynvi) and the biologic therapy sotatercept (Winrevair) for WHO group 1 pulmonary hypertension (PH, or PAH) over the course of one week in March, one treatment appears to have had a more successful launch than the other. Sotatercept uptake "has been rapid and, I believe, even better than projected," said Kristin Highland, MD, a pulmonologist at the Cleveland Clinic. In contrast, "the uptake of Opsynvi has been slow due to restrictions by payors given the availability of generic [single-agent] formulations and cumbersome prior-authorization and patient assistance programs for PAH medications as a whole, making the desire to go through yet another prior-approval process less appealing for patients already on therapy," observed Highland. However, the landscape of PAH therapy is still evolving, and the roles these drugs play in clinical practice may change as more data are generated. Sotatercept A flurry of excitement has surrounded sotatercept since the release of findings from its phase II PULSAR trial. Its approval this year as the first activin-signaling inhibitor for PAH -- indicated to increase exercise capacity, improve functional class, and reduce the risk of clinical worsening events for eligible adults -- was viewed as opening a new chapter for people with the rare progressive disorder typically associated with high morbidity and mortality. The case for sotatercept was also recently strengthened by topline results of the ZENITH trial, announced by Merck in late November, which found that sotatercept reduced the risk of morbidity or mortality events atop background PAH therapy in the sickest patients. The initial results were strong enough for the... Nicole LouMALIBU, Calif. – The wildfire alert came in the middle of the night as some college students in Southern California were cramming for final exams and others were woken up in their dorms. But rather than run away from the impending blaze, some 3,000 students at Pepperdine University headed toward two buildings at the heart of the 830-acre (336 hectare) campus in coastal Malibu, California, to shelter in place. Recommended Videos The protocol at the Christian university with picturesque views of the Pacific Ocean may seem to defy logic to those accustomed to scenes elsewhere in wildfire-prone California of thousands of residents evacuating fire zones in lengthy caravans of cars. For years, the university nestled in the foothills of the Santa Monica Mountains has had a special protocol due to its unique terrain and design that calls for students to be brought to a library and campus center where they can get food and water and have their basic needs met, said Michael Friel, a Pepperdine spokesperson. The school began preparing students and community members on what to do in case of a wildfire during new student orientation at the beginning of the academic year. When the fire broke out Monday night, school officials started communicating with students around 11 p.m. and activated the shelter-in-place protocol about two hours later, spreading the word through text messages, email, social media and by going door to door. “A lot of our students were woken up by a knock on the door, and we made sure they were aware of the conditions and we were able to get them out of harm’s way,” Friel said. The Franklin Fire quickly moved south, jumping over the famous Pacific Coast Highway and stretching to the coast, where large homes line the beach. Thousands of Southern California residents were under evacuation orders and warnings Tuesday with more than 8,100 homes and other structures under threat. County fire officials estimated that more than 3.5 square miles (9 square kilometers) of trees and dry brush had burned amid dangerous conditions fanned by dry, gusty Santa Ana winds that were expected to last into Wednesday. The cause of the fire was not immediately known. Ryan Song, a resident assistant at Pepperdine University, said he noticed the power went out at his dorm late Monday. When he looked out the window, he saw a huge pink glow. “I thought, ‘This is too bright,’ and it got bigger and bigger,” the 20-year-old junior said. “I immediately went outside and saw that it was a real fire.” Song and the other assistants went door to door to get students out. Most were calm and followed instructions, he said; a few who were scared rushed to their cars to get off campus. Song said he spent the next few hours racing back and forth in the dark between his dorm and the main campus to ensure no one was left behind. Pepperdine University officials said the campus was designed in the 1960s with fire safety in mind due to the region's experience with wildfires. Buildings were clustered together and covered in stucco while roadways were constructed to make it easy for firefighters to get in, said Phil Phillips, the school's executive vice president. During the 1990s, campus officials worked with Los Angeles County fire authorities to develop a safety plan, and authorities said the safest option for students would be to remain on campus. The school is diligent about brush clearance and has a plan to reduce smoke in shelter-in-place locations by taping shut doors and using air filters, he said. The nearby stretch of the Pacific Coast Highway can also become congested during an emergency, Phillips said, such as during the deadly Woolsey Fire in 2018. “What you don't want is to be stuck,” said Phillips, who has been at the campus for three decades — including as a student — and said he has been through seven fires. “Protecting our students, providing for their safety is a moral obligation for us, so we take it really, really seriously.” On Tuesday, heavy smoke from the Franklin Fire, burning northeast of the school, billowed over the campus 29 miles (47 kilometers) west of Los Angeles, and classes were cancelled and final exams postponed. Firefighters had not contained any part of the blaze as of Tuesday afternoon. The campus was singed but no injuries were reported, and only one structure possibly was minimally damaged thanks to firefighters' hard work and collaboration from students, faculty and others on campus, Friel said. Jim Gash, the college's president, said the campus was no longer threatened on Tuesday afternoon. “I am grateful that through prayer, preparation, and cooperation, our Pepperdine community safely navigated the challenges encountered over the last 12 hours," Gash said in a statement. “Our prayers continue to go out to the Malibu community.” ___ Taxin reported from Santa Ana, Calif. Associated Press writer Julie Watson in San Diego contributed to this report.Mamata Banerjee NEW DELHI/PATNA: RJD chief Lalu Prasad on Tuesday endorsed Bengal CM Mamata Banerjee 's desire to take over the reins of INDIA bloc from Congress, days after Sharad Pawar too had backed her. "Congress's reservations (on this) amount to nothing. Mamata ko do (give her the leadership role)," Lalu said. Congress, though, played down the issue. At a meeting with party MPs, leader of opposition in Lok Sabha Rahul Gandhi is learnt to have advised them to ignore what is seen by the party to be a "media-manufactured" issue and mere "posturing" by allies. Rahul's Adani focus, Congress unilateralism rile INDIA allies Though Lalu supported Mamata's claim to lead the anti-BJP alliance , it may be recalled he had consistently backed Congress since the days when Sonia Gandhi was struggling to shake off the "foreigner" tag. Other allies of Congress, such as Shiv Sena (UBT) and SP , have made few bones of their reservations about Congress continuing to lead the opposition alliance despite having been consistently underwhelming in election contests since the LS polls where it significantly improved its tally. YSR Congress, which is not part of INDIA group, too reiterated support for Mamata, calling her the "most capable leader to lead the bloc". There have been palpable signs of uneasiness with Congress's unilateralism in deciding priorities of the alliance. Allies are also upset with Rahul's fixation with the Adani issue which, many feel, has deprived them of the opportunity to use Parliament to seek to corner govt on issues like inflation which, they maintain, resonate better with people. Congress's poor performance in Maharashtra, Haryana and J&K and its manifest inability to be competitive against BJP in direct contests have weakened its case to be the natural leader of the opposition alliance. Considering that INDIA bloc, despite having Congress president Mallikarjun Kharge as its president, is not a structured entity and does not have a secretariat or a programme of action agreed upon by all stakeholders, Mamata's claim appears to be a challenge to Congress's "size matters" assertion and to make the intra-alliance equations more symmetrical. Congress is not pleased and its annoyance with Lalu came to the fore, with Congress secretary Shahnawaz Alam saying the party deserved to lead the alliance by virtue of its sheer strength. "Lalu ji is known to say lots of things casually. Let him place on record his views whenever INDIA bloc holds meeting. What does he mean by saying there should be a leadership change? Does he want Rahul to be replaced as LoP , a post our representative holds by virtue of the party's strength in LS?" he asked. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .sports news philippines today

Cincinnati Bengals quarterback Joe Burrow's home was broken into during Monday Night Football in the latest home invasion of a professional athlete in the US. No one was injured in the break-in, but the home was ransacked, according to a report provided by the Hamilton County Sheriff's Office. Burrow was away playing in a 27-20 win over the Dallas Cowboys in Texas. A person employed by Burrow arrived at the Anderson Township home on Monday night to find a shattered bedroom window and the home in disarray. Deputies weren't immediately able to determine what items were stolen and have reached out to neighbours in an attempt to piece together surveillance footage. The homes of Kansas Chiefs stars Patrick Mahomes and Travis Kelce were broken into in October. In the NBA, Milwaukee Bucks forward Bobby Portis had his home broken into November 2 and Minnesota Timberwolves guard Mike Conley Jr.'s home was burgled on September 15 while he was at a Minnesota Vikings game. Portis had offered a $40,000 reward for information. Both the NFL and NBA issued security alerts to players after those break-ins, urging them to take additional precautions to secure their homes. In league memos previously obtained by The Associated Press, the NFL said homes of professional athletes across multiple sports have become "increasingly targeted for burglaries by organized and skilled groups." And the NBA revealed that the FBI has connected some burglaries to "transnational South American Theft Groups" that are "reportedly well-organised, sophisticated rings that incorporate advanced techniques and technologies, including pre-surveillance, drones, and signal jamming devices." Some of the burglary groups have conducted extensive surveillance on targets, including attempted home deliveries and posing as grounds maintenance or joggers in the neighborhood, according to officials.When fire threatened a California university, the school says it knew what to do

TORRANCE, Calif., Nov. 21, 2024 (GLOBE NEWSWIRE) -- Navitas Semiconductor (Nasdaq: NVTS) has announced that the company’s revenue growth has been acknowledged for the third consecutive year, by Deloitte’s Technology Fast 500TM . Navitas growth was driven by strong demand for its advanced, high-efficiency, wide-bandgap gallium nitride (GaN) and silicon carbide (SiC) power components, across a growing number of global markets and customers. Now in its 30th year, the Deloitte Technology Fast 500 provides a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies — both public and private — in North America. Based on percentage fiscal year revenue growth from 2020 to 2023, Navitas achieved 571% growth as GaN and SiC technology enabled efficient, sustainable applications and displaced legacy silicon chips. “As a ‘pure-play’, next-gen, semiconductor company, Navitas continues to outperform the overall power semiconductor market, with record sales into mobile fast chargers, now ramping AI data center revenues and a strong customer pipeline for EV opportunities,” said Gene Sheridan, CEO and co-founder. “Recent introductions like GaNSafeTM, Gen-3 ‘Fast’ SiC, and a newly-announced, 48V-focused range in partnership with Infineon, have built a strong foundation for further revenue growth in applications from 20W to 20MW, and with a market opportunity of over $22B per year.” About Deloitte Deloitte provides industry-leading audit, consulting, tax and advisory services to many of the world’s most admired brands, including nearly 90% of the Fortune 500® and more than 8,500 U.S.-based private companies. At Deloitte, we strive to live our purpose of making an impact that matters by creating trust and confidence in a more equitable society. We leverage our unique blend of business acumen, command of technology, and strategic technology alliances to advise our clients across industries as they build their future. Deloitte is proud to be part of the largest global professional services network serving our clients in the markets that are most important to them. Bringing more than 175 years of service, our network of member firms spans more than 150 countries and territories. Learn how Deloitte’s approximately 460,000 people worldwide connect for impact, at www.deloitte.com . About Navitas Navitas Semiconductor (Nasdaq: NVTS) is the only pure-play, next-generation power-semiconductor company, celebrating 10 years of power innovation founded in 2014. GaNFastTM power ICs integrate gallium nitride (GaN) power and drive, with control, sensing, and protection to enable faster charging, higher power density, and greater energy savings. Complementary GeneSiCTM power devices are optimized high-power, high-voltage, and high-reliability silicon carbide (SiC) solutions. Focus markets include AI datacenters, EV, solar, energy storage, home appliance / industrial, mobile and consumer. Over 300 Navitas patents are issued or pending, with the industry’s first and only 20-year GaNFast warranty . Navitas was the world’s first semiconductor company to be CarbonNeutral®-certified . Navitas Semiconductor, GaNFast, GaNSense, GeneSiC and the Navitas logo are trademarks or registered trademarks of Navitas Semiconductor Limited and affiliates. All other brands, product names and marks are or may be trademarks or registered trademarks used to identify products or services of their respective owners. Contact Information Stephen Oliver, VP Investor Relations ir@navitassemi.com A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/cffa5421-88e3-46de-8f52-2e8e1815b4ed

CHAMPAIGN, Ill. (AP) — Kylan Boswell had 18 points, 10 rebounds and 10 assists and Tomislav Ivisic scored 23 points to lead No. 24 Illinois to a 117-64 victory over winless Chicago State on Sunday. Boswell was one assist shy of his first triple-double and got it with a pass that set up Keaton Kutcher’s 3-pointer with 1:47 left. It was the seventh triple-double in program history. Dre Gibbs-Lawhorn scored 16 points, Kasparas Jakucionis had 14, Will Riley had 13 and Morez Johnson Jr. had 11 points and eight rebounds for the Illini (9-3). Gabe Spinelli, son of first-year Chicago State coach Scott Spinelli, led the Cougars (0-15) with 20 points and Noble Crawford scored 15. Illinois led 60-24 at halftime and built its lead to as many as 58 points in the second half. Takeaways Illinois: This wasn’t much of a test for the Illini, who were facing a winless team that doesn’t have a player averaging in double figures and gives up 83 points per game. But it gave them a chance to shake off the rust from having a week off following their Braggin’ Rights win over Missouri on Dec. 21. Chicago State: It was another bad day for the Cougars, who were outrebounded 47-23, committed 15 turnovers and shot 37%. On a positive note, they were 4 for 4 at the free-throw line. Key moment A 14-point run over a 2 1/2-minute stretch early in the first half extended an 8-7 Illinois lead to 22-7 and propelled the Illini to the lopsided win. Key stat The Illini shoot a lot of 3s. They came into the day averaging 32 per game, No. 6 in the nation, and went 15 for 33. Up next Illinois plays Thursday at No. 9 Oregon. Chicago State plays Friday at Wagner. ___ Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketball Read more NCAA basketball at thestar.com

NFL Week 12 Recap: Minnesota Vikings 30, Chicago Bears 27

Global stock markets mostly retreated Tuesday as traders eyed looming US inflation data and a key European interest rate call amid global political upheaval. After winning numerous records in the weeks since the November 5 US presidential election, US stocks fell for the second straight day as analysts pointed to profit-taking. But Alphabet jumped more than five percent after Google showed off a new quantum computing chip that it described as a significant breakthrough in the field, arguing it could lead to advances in drug discovery, fusion energy and other areas. The Paris stock market retreated as French party leaders gathered at President Emmanuel Macron's Elysee Palace office to chart a route towards a new government. The euro also fell ahead of the European Central Bank's monetary policy meeting on Thursday. The ECB is expected to lower interest rates by 25 basis points amid weak eurozone growth. Independent analyst Andreas Lipkow said traders were taking a cautious approach ahead of the ECB meeting. The main US indexes struggled as traders eyed US consumer price inflation (CPI) data due Wednesday, which could play a role in whether the US Federal Reserve decides to cut interest rates next week. On Wall Street, "tomorrow's CPI report is in full focus with a looming rate-decision from the Fed coming," analyst Bret Kenwell of trading platform eToro said in a note. Following recent spending and jobs data "traders have felt even more emboldened to bet on a December rate cut, while the Fed has done little... to quiet that expectation," he added. Earlier, stock markets weighed "concerns that China's economic stimulus measures might not have a long-lasting effect", noted Dan Coatsworth, investment analyst at AJ Bell. The growth plan comes as Beijing contemplates Donald Trump's second term in the White House. The US president-elect has indicated he will reignite his hardball trade policies, fueling fears of another standoff between the economic superpowers. The Shanghai stock market ended higher but Hong Kong fell. Seoul's Kospi index rallied more than two percent after tumbling since President Yoon Suk Yeol declared short-lived martial law on December 3. On the corporate front, shares in Stellantis rose around one percent on the Paris stock exchange after the car giant and Chinese manufacturer CATL announced plans for a $4.3-billion factory making electric-vehicle batteries in Spain. Walgreens Boots Alliance soared 17.7 percent following reports that it could be acquired by private equity firm Sycamore Partners. Boeing jumped 4.5 percent as it announced it was resuming production at two Seattle-area plants that had been shuttered for nearly three months due to a labor strike. - Key figures around 2130 GMT - New York - Dow: DOWN 0.4 percent at 44,247.83 (close) New York - S&P 500: DOWN 0.3 percent at 6,034.91 (close) New York - Nasdaq Composite: DOWN 0.3 percent at 19,687.24 (close) Paris - CAC 40: DOWN 1.1 percent at 7,394.78 (close) Frankfurt - DAX: DOWN 0.1 percent at 20,329.16 (close) London - FTSE 100: DOWN 0.9 percent at 8,280.36 (close) Hong Kong - Hang Seng Index: DOWN 0.5 percent at 20,311.28 (close) Shanghai - Composite: UP 0.6 percent at 3,422.66 (close) Tokyo - Nikkei 225: UP 0.5 percent at 39,367.58 (close) Seoul - Kospi: UP 2.4 percent at 2,417.84 (close) Euro/dollar: DOWN at $1.0529 from $1.0554 on Monday Pound/dollar: UP at $1.2773 from $1.2757 Dollar/yen: UP at 151.92 yen from 151.21 yen Euro/pound: DOWN at 82.42 from 82.73 pence West Texas Intermediate: UP 0.1 percent at $68.59 per barrel Brent North Sea Crude: UP 0.1 percent at $72.19 per barrel burs-jmb/nroI remember where I was when I first heard the term. It was early 1998 and I was in a McDonald's drive-thru. My friend was explaining to me why he and his family had decided to move to rural Arkansas next year. "Y2K," I said. "What's that?" Y2K. The "millenium bug" arriving in the year 2000. The new millennium. Some of you might well remember this time. For those under about age 30, let me catch you up. Many of the computers used in government and business in the late 20th century, including ones that powered the early internet, supposedly had something of a ticking time bomb inside of them. "It's very hard to tell how bad the situation will be. I'm sure things will break. It's very hard to dispel a nightmare scenario," Nathan Myhrvold, Microsoft's chief technology officer, was cited as saying in a January 1999 Forum column. "The dark-side scenario of airplanes falling out of the sky and bank computers crashing is possible. But it's fundamentally very, very hard to know whether the impact will be big or little." The problem was the two-digit-year date field (think "93" as in "1/1/93"). Theoretically, the arrival of the new millennium — the year 2000 — would reset all these computer clocks to "00" as in "1/1/00," wrecking anything that counted on dates to function properly. Theoretically, anyway. The list of public fears was a long one, illustrating how central computer technology had become in our lives, and mirroring larger uncertainty about the new millennium. And while company officials and local, state and federal officials sought to reassure the public, ongoing reporting indicated nobody was quite sure nothing would fail. So the fears remained up until the last minute. "Up against the deadline for fixing an unprecedented technological blunder, the world exhibited some jitters Thursday over the prospect of failures in the computers on which we depend," wrote the Associated Press, as printed by The Forum on New Year's Eve, 1999. "There was testing galore and a few confessions of Y2K-unreadiness." Some religious figures took the moment to insist the coming apocalypse was God's judgment on a wayward culture. "(God) may be preparing to confound our language, to jam our communications, scatter our efforts and judge us for our sin and rebellion against his lordship," evangelical Christian leader Jerry Falwell said in August 1998. "We are hearing from many sources that Jan. 1, 2000, will be a fateful day in the history of the world." As if to embody the looming fears, WWE wrestler Chris Jericho gave himself the moniker Y2J (for Jericho), playing off the Y2K term. His entrance to arenas was marked by a countdown video that, when it got to zero, included shutting off the venue lights, leaving people in noisy darkness before Jericho was revealed. As the year 2000 approached, the fears began to grow into something of a hysteria for some people, sparking drastic decisions, like my friend's family's decision to move to the woods. Others took money out of the bank. Some stocked up on supplies and guns and ammunition to survive the coming failure of civilization. The growing fears were in odd juxtaposition to the more joyful expressions by some about the year 2000. Big millennium parties were planned. Monopoly put out a millennium edition with fancy holographic cards. The boy band Backstreet Boys released their "Millennium" album, still iconic among my generation (OK, fine — I'm listening to it right now). Many people dismissed the fears and planned to go about their lives, expecting the furor was overblown. I moved from North Dakota to South Dakota in 1999, and as the new millennium approached, I was about 55% convinced Y2K was going to cause big problems. I remember counting down the last days of the 1900s and thinking everything was possibly about to change. It didn't, of course. While there were some hiccups among some computer systems, much of the billions of dollars in preparation worked. A concerted global effort to stave off disaster was effective. The apocalypse never arrived, civilization continued. In fact, my daughter was born later that year — one of many "millennium" babies who are now 24 years old. So what happened to my friend who moved to Arkansas? I don't know. I'd like to think he and his family went on to live their best life in a cabin in the Ozarks, ready for the end of the world that never arrived. Have a moment or person in history that you think is especially interesting? Contact me at jfugleberg@forumcomm.com and tell me why you think it would be a great subject for this column.

NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.The United States saw an 18.1% increase in homelessness this year, 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, federal officials said Friday. The U.S. Department of Housing and Urban Development said federally required tallies taken across the country in January found more than 770,000 people were counted as homeless — a number that misses some people and does not include those staying with friends or family because they don't have a place of their own. That increase comes on top of a 12% increase in 2023, which HUD blamed on soaring rents and the end of COVID-19 pandemic assistance. The 2023 increase also was driven by people experiencing homelessness for the first time. The numbers overall represent 23 of every 10,000 people in the U.S., with Black people being overrepresented among the homeless population. People are also reading... A man walks past a homeless encampment Oct. 25, 2023, in downtown Los Angeles. "No American should face homelessness, and the Biden-Harris Administration is committed to ensuring every family has access to the affordable, safe, and quality housing they deserve," HUD Agency Head Adrianne Todman said in a statement, adding that the focus should remain on "evidence-based efforts to prevent and end homelessness." Among the most concerning trends was a nearly 40% rise in family homelessness — one of the areas that was most affected by the arrival of migrants in big cities. Family homelessness more than doubled in 13 communities impacted by migrants including Denver, Chicago and New York City, according to HUD, while it rose less than 8% in the remaining 373 communities. Almost 150,000 children experienced homelessness on a single night in 2024, reflecting a 33% jump from last year. Disasters also played a part in the rise in the count, especially last year's catastrophic Maui wildfire, the deadliest U.S. wildfire in more than a century. More than 5,200 people were in emergency shelters in Hawaii on the night of the count. Louisiana Wildlife and Fisheries agents assist state police as they order people living in a homeless encampment to move to a different designated location during a sweep ahead of a Taylor Swift concert in New Orleans. "Increased homelessness is the tragic, yet predictable, consequence of underinvesting in the resources and protections that help people find and maintain safe, affordable housing," Renee Willis, incoming interim CEO of the National Low Income Housing Coalition, said in a statement. "As advocates, researchers, and people with lived experience have warned, the number of people experiencing homelessness continues to increase as more people struggle to afford sky-high housing costs." Robert Marbut Jr., the former executive director of the U.S. Interagency Council on Homelessness from 2019 to 2021, called the nearly 33% increase in homelessness over the past four years "disgraceful" and said the federal government needs to abandon efforts to prioritize permanent housing. "We need to focus on treatment of substance use and mental illness, and bring back program requirements, like job training," Marbut said in an email. The numbers also come as increasing numbers of communities are taking a hard line against homelessness. People living in a homeless encampment pick up belongings Oct. 23 after Louisiana State Police ordered them to move to a different designated location during a sweep ahead of a Taylor Swift concert in New Orleans. Angered by often dangerous and dirty tent camps, communities — especially in Western states — have enforced bans on camping. That follows a 6-3 ruling this summer by the Supreme Court that found outdoor sleeping bans don’t violate the Eighth Amendment. Homeless advocates argued that punishing people who need a place to sleep would criminalize homelessness. There was some positive news in the count, as homelessness among veterans continued to trend downward. Homelessness among veterans dropped 8% to 32,882 in 2024. It was an even larger decrease for unsheltered veterans, declining 11% to 13,851 in 2024. "The reduction in veteran homelessness offers us a clear roadmap for addressing homelessness on a larger scale," Ann Oliva, CEO of the National Alliance to End Homelessness, said in a statement. "With bipartisan support, adequate funding, and smart policy solutions, we can replicate this success and reduce homelessness nationwide. Federal investments are critical in tackling the country's housing affordability crisis and ensuring that every American has access to safe, stable housing." Several large cities had success bringing down their homeless numbers. Dallas, which worked to overhaul its homeless system, saw a 16% drop in its numbers between 2022 to 2024. Los Angeles, which increased housing for the homeless, saw a drop of 5% in unsheltered homelessness since 2023. A rat sniffs the hand of a sleeping man experiencing homelessness Dec. 18 in downtown Los Angeles. California, the most populous state in the U.S., continued to have the nation's largest homeless population, followed by New York, Washington, Florida and Massachusetts. The sharp increase in the homeless population over the past two years contrasts with success the U.S. had for more than a decade. Going back to the first 2007 survey, the U.S. made steady progress for about a decade in reducing the homeless population as the government focused particularly on increasing investments to get veterans into housing. The number of homeless people dropped from about 637,000 in 2010 to about 554,000 in 2017. The numbers ticked up to about 580,000 in the 2020 count and held relatively steady over the next two years as Congress responded to the COVID-19 pandemic with emergency rental assistance, stimulus payments, aid to states and local governments and a temporary eviction moratorium. Emergency housing resources for older Americans in need Emergency housing resources for older Americans in need Homelessness is intertwined with the cost of living, and the high cost of living is hitting older adults fairly hard. A Westat survey for the Department of Health and Human Services found that older adults are the fastest-growing cohort of the homeless population. Emergency housing for seniors can keep that number from climbing higher. Caring.com details how to access it. The number of homeless seniors isn't based solely on people remaining homeless as they age; it also includes those whose first experience with homelessness came after they turned 50. In 2023, The U.S. Department of Housing and Urban Development (HUD) reported that 1 in 5 homeless people were over the age of 55. For seniors and other older adults, fixed incomes make it hard to battle the ever-increasing cost of expenses. Endhomelessness.org cites that 2.35 million older adults are paying over half of their limited income to rent. Based on Caring.com's July 2024 survey of seniors in the workforce , that's exactly why 1 in 15 retired seniors worry about losing their homes. Shelter use in homeless people older than 51 has gone up over 10% from 2007 to 2017, according to the HUD. But luckily, so has the number of shelters. Between 2022 and 2023, the HUD reports that emergency shelters added 28,760 more beds in emergency shelters, though this is a reduction in the amount of beds available during the thick of the COVID-19 pandemic. What Is Emergency Housing? Emergency homeless assistance, or emergency housing, is a temporary solution. It's designed to provide shelter while those facing housing instability figure out their next step. Emergency housing for homeless seniors gives someone the immediate ability to remain housed and safely sheltered. Local nonprofits are often involved in placing people experiencing homelessness or housing instability into emergency shelters. Low-income seniors, seniors who are low on funds and might not make rent, or seniors who need to leave their homes for other reasons can use emergency housing. How To Find Emergency Housing For Seniors Many cities have their own emergency housing programs. There are also nationwide programs that provide emergency housing for seniors. The internet is the fastest tool for locating local emergency housing. Libraries have free internet access, for those who might not have a computer or Wi-Fi to begin their search. The list below leads to websites that include phone numbers for emergency homeless assistance. Senior Programs for Emergency Housing Crisis Hotline 2-1-1 Seniors in need of immediate assistance and resources should call 2-1-1 or contact the United Way online . The 2-1-1 crisis hotline partners with United Way, which is committed to helping homeless seniors find local shelters or access transitional housing. The service can also connect seniors with other resources, including food, mental health support, or funding for health care expenses. Calling 2-1-1 is often required as a prerequisite before trying to get into a shelter or obtaining other assistance. Because 2-1-1 is for people in crisis, there are no eligibility requirements. However, some programs seniors may access through 2-1-1 do have eligibility requirements. Seniors can simply dial 2-1-1 from nearly anywhere in the U.S. to be put in touch with the programs and resources they need. Housing Choice Voucher Program Designed specifically for seniors, people with disabilities, and low-income families, the Housing Choice Voucher Program is a federal program offering low-income housing options and rent assistance. These vouchers are available through your local public housing agency (PHA). This program enables and encourages participants to choose their own housing. Housing options don't need to be a part of subsidized housing projects, but there are limits on unit size. Typically, participants must pay 30% of their monthly adjusted income towards their rent, and the voucher program pays the remainder. Applicant income and family size help the PHA determine eligibility. Citizenship and eligible immigration status also play a factor. The family's income cannot exceed 50% of the median income for the county or metropolitan area where they're applying to live. Of the vouchers, 75% must go to people whose income is at or less than 30% of their area's median income. Contact your local public housing agency . Section 202 Supportive Housing for the Elderly Program The Section 202 program helps expand the supply of affordable housing with supportive services for seniors. This program gives low-income seniors options that allow them to live independently, with support for cooking, cleaning, transportation, etc. This program is open to any very low-income household that has at least one person 62 years old or older. Applicants must submit an application in response to a Notice of Funding Availability (NOFA) posted on Grants.gov . U.S Department of Housing and Urban Development-VA Supportive Housing Voucher (HUD-VASH) The HUD-VASH program was created as emergency homeless assistance for veterans. Its goal is to give homeless veterans access to permanent housing through public housing authorities. Veterans receive rental assistance through the HUD Housing Choice Voucher program and additional case management services through the VA. By December 2023, the HUD had allocated nearly 112,000 vouchers to help house veterans nationwide. To help veterans achieve stability and remain housed, VA case managers may connect veterans with support services such as health care, mental health treatment, and substance use counseling. If you or your loved one is a low-income senior with eligible military service, you may apply. Your local VA can tell you if your service qualifies you for HUD-VASH. Senior veterans may apply online or call (877) 424-3838. Emergency Housing Resources by State Click here to learn more about the emergency housing options for seniors available in your state. The Bottom Line Low-income seniors who aren't in assisted living or independent living communities might find themselves facing housing instability. Emergency housing for seniors can help you or your loved one seek shelter. Crisis hotlines and public housing agencies can offer support. Senior Emergency Housing FAQ Finding emergency housing for seniors depends heavily on your area. The first step is to call the Crisis Hotline at 2-1-1. Finding a shelter takes less time than applying and getting approved for low-income housing voucher programs. The 2-1-1 hotline can direct you to local resources and locators. Yes and no. The duration depends on the type of housing. Shelters have limits that vary. Some shelters allow people to stay for up to six months, though that can vary based on demand. Seniors can remain in Section 202 supportive housing as long as they meet age and income requirements. Yes. Many counties have financial emergency programs that help seniors handle home repairs or short-term financial crises like utility shutoff. These programs allow the senior to focus their funds on their rent or mortgage. This story was produced by Caring.com and reviewed and distributed by Stacker Media. Get Government & Politics updates in your inbox! 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he season is moving at a fast pace with games being played every day, as evidenced by the fact that the Quarterfinals start today and we're just two weeks away from . With teams having played about 20-25 games, you can already get a sense of (Houston Rockets and Orlando Magic) and which are falling short (Philadelphia 76ers and New Orleans Pelicans). There's still a long way to go in the season, though, and teams can get better or worse when Speaking of trades, two names are expected to in the coming weeks, : of the Miami Heat and of the New Orleans Pelicans. Charania reports that , has indicated within league circles that the six-time All-Star and Texas native would be to the or . Whichever team Butler joins would , which is exactly what Butler, now 35, wants after losing two Finals with the Heat - one to the Lakers in 2020 and the other to in 2023. What Would the Heat Get in a Jimmy Butler Trade? Butler has a for this season, with a for 2025-26. The two sides did not agree to an extension last summer, likely because during the offseason. This came after Butler publicly stated that if he hadn't been injured in the playoffs, the . Riley responded by telling Butler not to make such comments because the team was already eliminated and there was no point in looking back. If -who lack a solid second scorer outside of Curry-what could the Heat get in return? It's reasonable to assume that , which includes forward , guards and , or possibly veterans like forward and/or draft picks. Given Miami's strong track record of developing young talent, acquiring players like Kuminga and Podziemski would seem to be advantageous. However, from a fan perspective, replacing Butler, who is already a , could make the team look worse. But sometimes teams need that, a rebuild, especially when you've been close to the title but then come up short. The silver lining for Miami is that are having solid seasons, and . However, the Warriors are in desperate need of a second All-Star to stay competitive. Additionally, integrating a player like Butler into a new team could take time, which could push the timeline for a trade to happen sooner rather than later this season. This situation mirrors moves like the Raptors' last year - early season deals that jumpstarted the Raptors' rebuild while boosting the playoff push for the Knicks and Pacers. Any team looking to acquire and must approach it as a win-now situation. While , time spares no one. During his years with the Heat, he has cemented his name alongside legends like and as the only players in franchise history to record at least 500 points, 100 rebounds and 100 assists in a single postseason. However, unlike Wade and LeBron, , despite reaching the NBA Finals twice.

Canadian men win RAN Sevens tournament, qualify for World Rugby Challenger Series

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