Tag: General News

  • Fact Check: No, Hamas no se ha rendido a Israel

    Usuarios en las redes sociales dicen que la guerra entre Israel y Hamas ya terminó porque Hamas se rindió, pero esto es falso.

    “El ejército israelí ha entrado en Gaza, a partir de ahora la milicia de Hamas se vió obligada a rendirse al ejército israelí ondeando sus banderas blancas en sus manos”, dice un video en Facebook del 15 de octubre. 

    El subtítulo de la publicación también dice: “Gritos de Triunfo en Israel- ¡Gaza ahora es de Israel! ¡HAMAS se rinde en un acto de desesperación!”.

    La publicación fue marcada como parte del esfuerzo de Meta para combatir las noticias falsas y la desinformación en su plataforma. (Lea más sobre nuestra colaboración con Meta, propietaria de Facebook e Instagram).

    PolitiFact no encontró reportes verídicos de que Hamas se rindió a Israel. La guerra entre Hamas e Israel continúa. 

    Israel ha bombardeado Gaza con ataques aéreos, pero por ahora no hay tropas israelíes invadiendo el terreno de Gaza. El 13 de octubre Israel ordeno a mas de un millón de personas a evacuar la ciudad de Gaza, la ciudad mas poblada en el territorio Palestino. 

    El primer ministro de Israel Benjamin Netanyahu prometió el 15 de octubre “demoler a Hamas” en respuesta a los ataques terroristas del 7 de octubre. 

    PolitiFact también verificó videos falsos en inglés que dicen que Hamas se rindió.

    Calificamos estas declaraciones como Falsas. 

    Una versión de este artículo originalmente fue escrita en inglés.

    Lea más reportes de PolitiFact en Español aquí.

    __________________________________________________________________________

    Debido a limitaciones técnicas, partes de nuestra página web aparecen en inglés. Estamos trabajando en mejorar la presentación.

     



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  • Trump’s Misleading Poverty Rate Comparison

    The official U.S. poverty rate in 2022 “remained stable compared to 2021,” but an alternative method of measuring poverty “increased significantly, reflecting changes in economic well-being following the end of many pandemic-era programs,” the Census Bureau says in a new report.

    But a chart former President Donald Trump shared on social media — comparing a decline in poverty during his presidency with an increase in poverty during President Joe Biden’s — leaves out important context that readers need to know.

    First, Trump’s chart uses poverty rates based on the Supplemental Poverty Measure, or SPM, which the U.S. Census Bureau calculates using a different methodology than that used to determine the official poverty rate. Under Biden, there was no increase in the official poverty rate, as of 2022, which is the Census Bureau’s most recent estimate.

    Furthermore, the supplemental poverty rate went down in 2020 and 2021 mainly because of economic relief, such as stimulus payments, unemployment benefits and tax credits, that was made available to qualifying individuals and families during the COVID-19 pandemic. Without that same financial aid in 2022, the supplemental poverty rate went up.

    Biden has proposed extending at least the expanded child tax credit that expired at the end of 2021. Doing that would lift millions out of poverty, the Census Bureau said.

    Poverty Rates

    Without any further explanation, Trump posted this chart to Truth Social on Oct. 16. (We added the “missing context” stamp for readers.)

    The chart does not say it, but the figures, which show the poverty rate declining by 4.8 percentage points under Trump and increasing 3.2 percentage points under Biden, are based on the Census Bureau’s Supplemental Poverty Measure.

    The SPM, introduced in 2011, is one of two poverty metrics the bureau publishes annually in September. The other, known as the official poverty measure, was developed in the 1960s.

    Unlike the official poverty rate, which is based on an individual’s or family’s pretax cash income, the SPM is determined, in part, by cash income plus other noncash benefits. The latter includes government transfers or programs that help low-income individuals and families, such as food, housing and energy assistance, as well as tax credits and stimulus payments. In addition, the SPM calculation considers nondiscretionary expenses, such as taxes and medical care, and accounts for regional differences in the cost of living.

    There are criticisms of both metrics, but many who study poverty prefer the Supplemental Poverty Measure because of its more comprehensive measurement of a person’s or family’s financial resources.

    As Trump’s chart shows, the SPM rate declined from 14% in 2016, before Trump took office in 2017, to 9.2% in 2020, his last full year as president. From there, the rate dropped to 7.8% in 2021, the first year of the Biden administration, and then jumped up to 12.4% in 2022, as COVID-19 relief funding dried up.

    Meanwhile, the official poverty rate went down from 12.7% in 2016 to 11.5% in 2020. After that, the rate increased slightly to 11.6% in 2021, before returning to 11.5% in 2022.

    Poverty Increase, Explained

    But the chart Trump shared with his followers leaves out the reason for the increase in the supplemental poverty rate last year.

    “The trend in the SPM poverty rates is statistically accurate, though context here is needed,” Zachary Parolin, an assistant professor of social policy at Bocconi University in Milan, Italy, told us when we asked about the graphic in Trump’s Truth Social post.

    In an email, Parolin, who is also a senior research fellow at Columbia University’s Center on Poverty and Social Policy, wrote that the lower supplemental poverty rates in 2020 and 2021 could be attributed “entirely” to “COVID-related income support” included in the Coronavirus Aid, Relief, and Economic Security Act and the American Rescue Plan Act, which became law in those years, respectively.

    “Both include expansions to unemployment benefits and a stimulus check,” and 2021’s American Rescue Plan, which passed without any Republican support, “also included the expanded Child Tax Credit, which contributed to lower poverty that year,” Parolin said.

    That is supported by the Census Bureau’s poverty reports for 2020 and 2021, which noted that economic impact payments, expanded unemployment benefits and tax credits authorized in those years helped keep tens of millions of people out of poverty.

    But when that financial support was no longer available in 2022, poverty, according to the SPM, increased.

    As the Census Bureau said in its report for 2022: “The official poverty rate remained stable compared to 2021, while the SPM rate increased significantly, reflecting changes in economic well-being following the end of many pandemic-era programs. SPM estimates for 2022 reflect changes to state and federal income taxes, including several one-time state income tax rebates and the expiration of expanded refundable tax credits and economic impact (stimulus) payments enacted as part of the American Rescue Plan Act.”

    Rising inflation also affected the level of poverty in 2022, “but its contribution was smaller than the contribution of declining COVID-era benefits,” Parolin said.

    When the report on poverty was released in September, it noted that children were most affected by expiring benefits last year. Biden issued a statement blaming Republicans and promising to push for Congress to restore the expanded child tax credit that phased out at the end of 2021.

    The Census Bureau said that the fully refundable child tax credit had prevented about 5.3 million children from falling into poverty in 2021, “over twice as many” as the 2.4 million people helped by the pared back version in 2022.

    Republicans opposed previous efforts by Democrats to extend the tax credit. The American Rescue Plan had increased the credit from $2,000 to $3,600 for qualifying children ages 5 and younger and to $3,000 for qualifying children ages 6 to 16, extended the credit to 17-year-olds, and made the credit fully refundable, meaning the full credit was available even if a family didn’t owe any taxes.


    Editor’s note: FactCheck.org does not accept advertising. We rely on grants and individual donations from people like you. Please consider a donation. Credit card donations may be made through our “Donate” page. If you prefer to give by check, send to: FactCheck.org, Annenberg Public Policy Center, 202 S. 36th St., Philadelphia, PA 19104. 

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  • What GS Warriors said San Antonio’s 7-foot-4 phenom

    SAN FRANCISCO – The biggest story in basketball, literally and figuratively, will make his first appearance in the Bay Area on Friday night.

    Victor Wembanyama, the top pick in the 2023 pick and San Antonio’s best prospect since Tim Duncan, will give a glimpse of the future to the team once considered by its owner to be “light years ahead of the league”

    Warriors center Dario Šarić figures to be one of the Warriors’ primary defenders against the rookie.

    Having played with other talented bigs such as Karl-Anthony Towns, Deandre Ayton and reigning MVP Joel Embiid over a six-year career, the 28-year-old veteran acknowledged Wembanyama’s abilities. 

    “He’s a sensation,” Šarić said after the Warriors’ 116-115 victory over the Kings on Wednesday. “He’s 7-foot-4, shooting and dribbling the ball like a guard, so he’s going to be a challenge for us.”

    It’s the kind of skill set that is straight out of a basketball video game.

    “He’s like a 2K create-a-player, like every point guard that wants to be 7 feet,” Stephen Curry told the media last October. “Cheat code-type vibes.”

    Wembanyama, who averaged 21.6 points and 3.0 blocks per game in the French league last season, has put to rest any concerns of an adjustment period for the international rookie, scoring 20, 23 and 15 points in limited minutes across three preseason games. 

    “He’s smart, and he understands he’s got a lot of attention on him,” longtime Spurs coach Gregg Popovich told the media after a game against the Rockets on Wednesday. “It doesn’t bother him. He just plays.”

    Wembanyama has the towering build of a dominant post player, and perhaps 20 years ago, he would have been coveted for his ability to float in jump hooks after carving out a spot on the low block. 

    But after watching Wembanyama operate in the pick and roll, or swish a sidestep 3-pointer in the corner, it is obvious the No. 1 overall pick is very much a product of the Stephen Curry generation.

    In an interview with Sports Illustrated, Wembanyama cited the Warriors as his hoops inspiration. 

    “Taking, like, bad or weird shots, it isn’t new for me,” Wembanyama says. “You can ask any coaches I’ve played for. They’ve seen me do crazy stuff. Sometimes they thought I was crazy.”

    Although he underwhelmed in Summer League, he has been a highlight machine in the preseason. Against the Thunder, Wembanyama Euro-stepped from the 3-point line for a dunk. Playing against the Heat, he dribbled downcourt like a point guard and nailed a pullup jump shot. Playing the Rockets, he dribbled through a defender’s legs. 



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  • Don’t Sabotage Our Agreement With FG, NLC Warns Labour Minister

    The Nigeria Labour Congress (NLC) has warned the Minister of Labour and Employment, Simon Lalong against sabotaging its agreement with the Federal Government following its suspension of the planned nationwide strike.

    The NLC alleged that Lalong has displayed favoritism in handling a critical item in the agreement that involves the illegal closure of the National Union of Road Transport Workers (NURTW) headquarters with the support of the Nigeria Police Force.

    This action by Lalong, according to the labour union has encouraged the group to conduct its own delegates’ conference, both zonally and nationally to confer legitimacy to their action.

    Recall in August 2023, the police arrested the National President of NURTW, Tajudeen Baruwa, while ordering all the occupants of the national secretariat to vacate the building which was thereafter sealed.

    In a communique signed by the NLC Secretary General Emmanuel Ugboaja and made available to THE WHISTLER on Thursday, the union said. “It is unfathomable that a Federal Minister of Labour, tasked with safeguarding the rights and interests of diverse stakeholders in our industrial relations landscape, would opt to take actions that could undermine the very foundations of our collective engagement.

    “The Minister’s decision which is morally reprehensible and legally untenable, in a shocking turn of events, has thrown a spanner in the wheel of the implementation of the labour and federal government agreement by his unmasked partiality in handling a critical item in the agreement.

    “This is the apparent government meddling in Trade Union matters by siding with people, who had illegally seized the National Union of Road Transport Workers (NURTW) headquarters with police Support.

    “This group is now being encouraged to conduct its own delegates’ conference, both zonally and nationally to confer legitimacy to their action. This flagrant act not only constitutes an egregious intrusion into the internal affairs of a Union, in violation of ILO Conventions 87 and 98, but also represents a clear attempt to sabotage the recently ratified agreement between the labour movement and the federal government.”

    Speaking further, the union said, “The NLC firmly rejects Minister Ialong’s endorsement of the holding of illegal conferences. Any deviation from the spirit of our prior agreement on this matter forebodes grave consequences.

    “Also, with Lalong having descended into the arena and has stripped himself of the moral high ground and authority to continue mediating the process of implementing the October 2 agreement, we will therefore be highly constrained to attend any meeting he calls for the implementation of that agreement.

    “Subsequently, it is inconceivable for non-union members to seize national leadership, bolstered by the coercive powers of the state, invoking the name of the president as a shield and sword.”

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  • Fact Check: Explaining a deleted X post that said Israel is responsible for Gaza hospital strike

    Shortly after a deadly blast at a Gaza hospital, a pro-Israel social media influencer posted on X, formerly Twitter, that the blast was caused by an airstrike from Israel. He then deleted the post, raising suspicions among social media users about what or who caused the blast. 

    “Israel military leader deleted tweet saying (Israel Defense Forces) blew up the hospital,” read sticker text on an Oct. 17 TikTok video. Other videos referred to him as an Israeli spokesperson.

    Some social media users framed the post as an admission by Israel that it bombed the hospital. Activist Shaun King posted that Israel “took credit” for the explosion.

    “Once they saw how many civilians it killed he deleted this tweet and blamed the attack on Hamas and said Hamas bombed the hospital themselves,” King wrote on Instagram.

    The person who posted, Hananya Naftali, is a pro-Israel social media influencer and writer who has worked on Israeli Prime Minister Benjamin Netanyahu’s digital team, online biographies for Naftali say. 

    Though social media users referred to Naftali as a “military leader” or an Israeli spokesperson, we found no evidence on his social media accounts or an Israeli government list of spokespeople that he is an official spokesperson for Israel or its military. He said in an Oct. 14 Facebook video that Netanyahu assigned him to a task force to defend Israel in the media.

    We contacted Naftali and Netanyahu’s press office for comment but received no response. An Israeli government spokesperson referred us to Netanyahu’s press office.

    After the hospital blast, Naftali initially posted Oct. 17 on X,”BREAKING: Israeli Air Force struck a Hamas terrorist base inside a hospital in Gaza. A number of terrorists are dead,” according to social media screenshots. Naftali’s post was deleted.  

    He later wrote on X that he’d deleted the first post because it had inaccurate information about Israel’s involvement and had been based on a Reuters headline that later changed.

    Hundreds of people were killed Oct. 17 in an explosion at a Gaza City hospital, and some news reports initially said it was the result of an Israeli airstrike, a claim Israel disputes.

    Naftali’s follow-up post referred to a Reuters headline. Reuters initially wrote about the blast in an Oct. 17 article headlined, “More than 300 killed in Israeli air strike on Gaza Hospital – civil defense official.” The article’s headline was later changed to read, “In deadly day for Gaza, hospital strike kills hundreds.” 

    A New York Times headline read, “Israeli Airstrike Hits Gaza Hospital, Killing 500, Palestinian Health Ministry Says,” and was later changed to, “Israelis and Palestinians Blame Each Other for Blast at Gaza Hospital That Killed Hundreds.” 

    The New York Times also separately reported that headlines were shifting after the hospital blast, highlighting “the difficulties of reporting on a fast-moving war in which few journalists remain on the ground while claims fly freely on social media.” 

    Naftali describes himself on his X profile as a “media personality” and “that Israeli who talks to the camera about peace in the Middle East.” According to his online biography on The Jerusalem Post, for which he has written, Naftali is a “Israeli Jewish influencer and human rights activist.” Netanyahu hired him in 2018 as a social media adviser. The Jerusalem Post reported it is unclear whether he still has that role.

    Naftali has served in the Israeli Defense Forces in the past and said Oct. 9 on X that he was recently drafted for this war. He said in that post that his wife, India Naftali, a journalist, would  manage and post on his X account during his deployment. 

    The blast’s origin remains under investigation. Hamas blamed an Israeli airstrike; Israel blamed a failed rocket launch by the Islamic Jihad, a militant group that works with Hamas. Islamic Jihad denied the accusation and also blamed Israel, The Associated Press reported.

    Adrienne Watson, spokesperson for the U.S. National Security Council, said Oct. 18 on X that although information is still being collected, the U.S.’ current assessment is that Israel is not responsible for the hospital explosion. The council advises President Joe Biden on national security and foreign policy. 

    The same day, President Joe Biden said in a public appearance with Israeli Prime Minister Benjamin Netanyahu in Tel Aviv that, “based on what I’ve seen, it appears as though it was done by the other team — not you. But there’s a lot of people not sure.”

    PolitiFact New York Writer Jill Terreri Ramos contributed to this report.



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  • 20 scary books and horror novels to read this Halloween – Paradise Post

    You may have stocked up on treats, inflated the giant skeleton in your front yard, and dusted off your old “Monster Mash” seven-inch, but if you’re a book lover, your Halloween planning isn’t complete until you’ve shored up your spooky reading list.

    Luckily, you still have time. There’s no greater Halloween pleasure than reading a scary horror novel in between trips to the front door to give candy to trick-or-treaters. You can’t go wrong with the classics or the suggestions from a horror master, but if you’re looking for something a little more contemporary, there’s more than enough to choose from.

    Related: Sign up for our free Book Pages newsletter about bestsellers, authors and more

    This year, authors have wasted no time bringing the scares to readers whose favorite part of the seat is the edge. Here are 20 horror books from 2023 to read under a blanket at home (or, if you’re really brave, at that abandoned amusement park near the old cemetery that the locals prefer not to talk about). 

    Isabel Cañas, “Vampires of El Norte” (Berkeley)

    Cañas’ follow-up to her well-received “The Hacienda” is a Western with a twist. Nena, a woman in 1840s Mexico, is thought dead by her partner, Néstor, after she’s attacked by a vampire. But she survived and encounters her former beau years later as monsters lay siege to the Rio Grande Valley.

    V. Castro, “The Haunting of Alejandra” (Del Rey)

    The title character in Castro’s latest novel is a profoundly depressed woman who is haunted by La Llorona, the vengeful ghost of Mexican legend. Alejandra soon learns that she’s not the only woman in her family to deal with the specter.

    Johnny Compton, “The Spite House” (Tor Nightfire)

    This debut novel follows Eric, a man who agrees to take a job living in a supposedly haunted house in the Texas Hill Country and recording the supernatural activities he witnesses there. Eric doesn’t at first realize that there’s much more to the house than he’s been told.

    Tananarive Due, “The Wishing Pool and Other Stories” (Akashic Books)

    The latest book from acclaimed author Due, who teaches Black Horror and Afrofuturism at UCLA, contains previously published and new stories that feature her knack for scary prose and clever twist endings. Due’s next novel, “The Reformatory,” which is set in a cruel reform school in the Jim Crow South, is slated for publication by Gallery/Saga Press on Halloween.

    Jennifer Dugan, “The Last Girls Standing” (G.P. Putnam’s Sons Books for Young Readers)

    Dugan’s latest novel is meant for young adults, but older readers who grew up with films like “Friday the 13th” and “Sleepaway Camp” will likely be entertained, too. This book follows Sloan and Cherry, two girlfriends who survive an attack on the summer camp where they’re counselors – Sloan starts to think that Cherry isn’t as innocent as she seems.

    Alicia Elliott, “And Then She Fell” (Dutton)

    The second book from Canadian author Elliott follows Alice, a Mohawk woman who’s working on a new retelling of the Haudenosaunee creation story. She soon starts hearing voices and losing track of time; the novel culminates in a bizarre surprise ending.

    Mariana Enriquez, translated by Megan McDowell, “Our Share of Night” (Hogarth)

    Argentine author Enriquez unsettled U.S. readers with her short story collections “Things We Lost in the Fire” and “The Dangers of Smoking in Bed.” Her first novel to be translated into English is a terrifying tale about a man mourning the loss of his wife and trying to save their son from the late woman’s family, members of a violent cult.

    Leopoldo Gout, “Piñata” (Tor Nightfire)

    In this novel by filmmaker, artist, and author Gout, architect Carmen Sánchez brings her two daughters with her to a restoration job in Mexico. After an accident at the site, a terrible spirit is unleashed and follows the family back to New York.

    Elizabeth Hand, “A Haunting on the Hill” (Mulholland Books)

    Fans of Shirley Jackson’s classic “The Haunting of Hill House” will likely be interested in this authorized follow-up to the 1959 novel. In this one, a playwright and her girlfriend take residence in the creepy mansion, unaware of the ghosts that haunt it.

    Ling Ling Huang, “Natural Beauty” (Dutton)

    Acclaimed violinist Huang makes her literary debut with this novel about a Chinese American pianist in New York who gets a job at a wellness store that caters to the jet set. Unfortunately, she soon realizes that the beauty products she’s using and selling have a dark side. Huang’s novel is being adapted into a television series by Constance Wu and Drew Comins.

    Stephen Graham Jones, “Don’t Fear the Reaper” (Gallery/Saga Press)

    If one scary novel just won’t do, you might want to consider picking up Jones’ 2021 novel, “My Heart Is a Chainsaw,” and this new sequel. Both books follow Jade, a slasher film devotee whose hometown of Proofrock, Idaho, is rocked by a real-life serial killer.

    Cassandra Khaw, “The Salt Grows Heavy” (Tor Nightfire)

    For anyone looking for a quicker read that doesn’t skimp on the horror, Khaw’s novella might be just the thing. It follows an unspeaking mermaid who flees her kingdom for the forest, where she encounters a plague doctor. The pair stumble onto a village populated by disfigured children and the three doctors who control them.

    CJ Leede, “Maeve Fly” (Tor Nightfire)

    You’ve (hopefully) never seen L.A. like this. Leede’s novel follows the titular antihero, a theme park “ice princess” with a dark side that’s awakened when her best friend’s brother comes to town. Horror author Grady Hendrix calls this one “an apocalyptic Anaheim Psycho,” and — warning — it’s nearly as violent as the Bret Easton Ellis novel he’s referencing.

    Mattie Lubchansky, “Boys Weekend” (Pantheon)

    Cartoonist Lubchansky’s graphic novel tells the story of Sammie, a transgender artist’s assistant who travels to a friend’s bachelor weekend in the floating city of El Campo. Sammie can’t help but notice that their hotel is also inhabited by a murderous cult — a fact their friends are mysteriously oblivious to.

    Jordan Peele and John Joseph Adams, editors, “Out There Screaming: An Anthology of New Black Horror” (Random House)

    Filmmaker Peele (“Get Out”) and editor Adams — both of whom know a thing or two about horror — present an anthology of all-new scary stories from Black authors including Lesley Nneka Arimah, P. Djèlí Clark, N.K. Jemisin, Nnedi Okorafor, and Rion Amilcar Scott.

    Keith Rosson, “Fever House” (Random House)

    The latest novel from author Rosson is a wild ride. The “hero” of the book is Hutch Holtz, a petty criminal who works collecting drug money for a Portland, Oregon, delinquent. Hutch is caught off-guard when he finds a severed hand in a debtor’s refrigerator — and even more so when he discovers that the hand causes insanity in anyone it comes near.

    Craig Russell, “The Devil’s Playground” (Doubleday)

    Scottish author turns his eye to the Golden Age of Hollywood in his latest novel, about a film buff on the trail of a copy of “​​The Devil’s Playground,” a (not real, don’t check Netflix) 1927 horror film that supposedly cursed everyone involved in its making.

    Richard Z. Santos, editor, “A Night of Screams: Latino Horror Stories” (Arte Público Press)

    Texas-based journalist and novelist Santos curates a collection of spine-chilling tales, some of which touch on contemporary themes including immigration and racism. Contributors to the anthology, published by the acclaimed Houston press Arte Público, include Ann Davila Cardinal, V. Castro, Richie Narvaez, and Ivelisse Rodriguez.

    Lisa Springer, “There’s No Way I’d Die First” (Delacorte Press)

    Perfect for teen readers who prefer some laughs with their scares, this debut young-adult novel follows Noelle, a 17-year-old horror movie buff who invites a dozen classmates to her Halloween party on Long Island. One problem: The scary clown she’s hired as cheesy entertainment turns out to have a taste for blood, and he’s brought along an axe.

    Trang Thanh Tran, “She Is a Haunting” (Bloomsbury)

    Young adult readers with a taste for chills will likely be entranced by this debut novel about Jade, a young woman who visits her estranged father in Vietnam. Jade’s dad is fixing up a colonial house, and she’s convinced the building is trying to destroy her and her family.

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  • Reps Seek More Funding For ICPC to Combat Corruption

    The Chairman of the House of Representatives Committee on Anti-Corruption, Hon. Kayode Akiole, has said there’s a need for the Independent Corrupt Practices and Other Related Offences Commission to have more funding in order to support the war against corruption.

    He said, “It is crucial that we increase the appropriation for the ICPC, recognizing that adequate funding is indispensable in bolstering the Commission’s capacity to combat corruption comprehensively.

    “By allocating the necessary resources, we can empower the ICPC to continue its invaluable work, fostering a more transparent and corruption-free Nigeria.”

    This was contained in a press statement issued by the ICPC Spokesperson, Mrs Azuka Ogugua on Thursday, stating that Hon. Akiole said this while commending the Commission for its unwavering dedication to its vital role as the apex body legally mandated to confront corruption and other related offences in Nigeria.

    He said: “The Commission’s accomplishments, including notable convictions across various sectors, have fostered a culture of accountability and integrity in our society.

    “The ICPC’s forward-thinking initiatives, such as establishment anti-corruption club in schools and engaging young people through the National Youth Service Corps (NYSC), demonstrate its commitment to instilling values of transparency and honesty in our youth.”

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  • How to protect yourself from student loan scams as bills resume – Paradise Post

    By Eliza Haverstock | NerdWallet

    As borrowers gear up for federal student loan bills resuming this fall, they face a revamped landscape that includes a new repayment plan, servicer switches and long call wait times. Another imminent concern: scammers who want to take advantage of the moment.

    “Whenever there’s confusion in the marketplace, that’s when the criminal fraudsters get active,” says Clayton LiaBraaten, senior executive advisor at Truecaller, an app that blocks spam calls.

    Borrowers need to protect themselves, even as regulators crack down on scammers. In August, the Federal Trade Commission (FTC) caught a group of scammers who brought in roughly $8.8 million with false promises of “Biden Loan Forgiveness” in exchange for hefty upfront fees. The group claimed to be affiliated with the U.S. Department of Education and primarily targeted borrowers via calls and texts, the FTC said.

    If you receive an unsolicited call or text about your student loans, it’s probably a scam. Here’s how to spot and avoid a student loan repayment scam — and what to do if you think you’re a victim of one, according to experts.

    What to watch out for

    Student loan scams vary widely, but they often contain a few key ingredients. Here are some common red flags.

    Advertising from the ‘government’

    Scammers will often use the word “federal” in their communications, LiaBraaten says. They might claim federal or government affiliation, or they could claim to be connected with the Education Department or your student loan servicer.

    Aggressive advertising language can also indicate that communication isn’t from the government.

    “If you are a student loan borrower, you need to be aware that the federal government isn’t soliciting you,” says Leslie Tayne, a financial debt attorney. “If it sounds like a sales pitch with guarantees and promises, that’s not coming from the federal government.”

    Relief that costs money

    If someone asks you to pay an upfront or monthly fee to access debt relief, it’s a scam.

    It’s always free to enroll in or benefit from any legitimate federal student loan relief, such as income-driven repayment (IDR) plans, borrower defense to repayment, Public Service Loan Forgiveness and the IDR account adjustment.

    And if you have questions about your loans or repayment options, you can call your servicer for free guidance.

    Promises that are too good to be true

    Keep your guard up if you receive calls with promises of instant student loan relief. Most federal relief programs require at least a decade of payments to qualify — and no company or person has the ability to negotiate a special deal with your loan servicer or the government, warns the Education Department.

    “Legitimate loan forgiveness programs usually have these strict eligibility criteria, so any sort of instant forgiveness is a red flag,” says Ally Armeson, program director of the nonprofit Cybercrime Support Network. Scammers see an opportunity with people panicking around repayment and try to position themselves as saviors, she says.

    How scammers reach you

    Student loan scammers can get creative with their contact methods. Here are a few to watch out for.

    Robocalls

    Think twice if your phone rings with an unknown number. In the first half of September, scammers placed more than 350,000 student loan-related robocalls, according to Transaction Network Services, a financial infrastructure firm.

    “Beware of unsolicited calls or communication,” Armeson says. “That is the number-one way that a scammer will weasel into your life.”

    Snail mail

    Scammers may also send letters through the mail. Read them closely. Even if it seems official or formal, a scam letter will often include grammatical or spelling errors, the Education Department says.

    Texts and social media

    Increasingly, scammers are also targeting borrowers with texts and social media messages, Tayne says. Scams that began on social media have accounted for $2.7 billion in reported losses since 2021, more than any other contact method, the FTC said earlier this month.

    Official Education Department text messages will only come from the numbers 227722 or 51592.

    Email

    Scammers may try to sneak into your inbox. If an email looks suspicious, double-check the sender.

    Legitimate emails from the Education Department will only come from these senders:

    • noreply@studentaid.gov.
    • noreply@debtrelief.studentaid.gov.
    • ed.gov@public.govdelivery.com.

    Protecting yourself from a student loan scam

    Don’t engage if you receive a call about your student loans out of nowhere. Hang up if it’s a robocall; if a person is on the other side, quickly end the call.

    “If someone says they are from a specific agency, department or loan servicer, just say, ‘you know what, let me hang up and do my research, and I’ll go from there by myself,’” Armeson says.

    If you get an email or text about your student loans, don’t click on any links.

    Use strong passwords and enable two-factor authentication on all of your online financial accounts, including your StudentAid.Gov and student loan servicer accounts, LiaBraaten says.

    Never share your login information. With just your username and password, scammers can sign legally binding student loan documents electronically and make changes to your federal student loan account.

    The Education Department and your servicer will never ask for your password.

    What to do if you’re a student loan scam victim

    If you believe a scammer has targeted you, immediately stop communicating with them. Then, take the following steps to get help and protect yourself from any further harm:

    • Contact your student loan servicer. Call your servicer and tell them what happened. Check the status of your loan and ask if the scammer did anything to your account.
    • Call your bank and credit card company. Ask them to stop any payments to a scammer.
    • Change your passwords. Change all passwords associated with your financial accounts and student loans, like your StudentAid.gov and servicer accounts.
    • Monitor your finances. Check to see if anyone has opened an unauthorized account or line of credit in your name. You can check your credit report for free each week on AnnualCreditReport.com.
    • Consider freezing your credit. If you think the scammer may have personal information, like your Social Security number, freeze your credit to prevent identity theft and fraud.
    • Save all communication records. If the scammer has texted or emailed you, save these records to send the information to the FTC and other law enforcement agencies.

    Report possible scams to the FTC, which may use the report to spot trends, educate the public and bring cases against fraudsters in partnership with more than 2,800 law enforcement organizations.

    If scammers took your money, the FTC will also give you advice on how to recover it. “The quicker you act, the better your chance of getting your money back,” the FTC website says.

    You can also report the student loan scam to your state’s attorney general’s office or the Consumer Financial Protection Bureau for further assistance and investigation.

     

    Source

  • Katsina Governor Approves N364m WAEC Fees For Over 20,000 Students

    The Governor of Katsina State, Mallam Dikko Radda, has approved the release of N364, 842,000 for the payment of the West African Examination Council (WAEC) fees of about 20,269 Katsina State indigenes.

    A statement by the Governor’s Chief Press Secretary (CPS) explained that the students are those that sat for the 2023 West African Senior School Certificate Examinations (WASSCE).

    The statement added that the governor, since resumption of office, has put education as a priority and is determined to fix the state’s primary, secondary and tertiary education systems.

    “One of the cardinal agenda of Governor Dikko Radda’s administration, among several others, is repositioning Katsina State’s education sector.

    “And His Excellency, since assuming office, has demonstrated absolute commitment towards fixing Katsina’s primary, secondary and tertiary education systems.

    “The approval he gave today for the huge sum of over N364 million to be used in settling the WAEC fees of no fewer than 20,000 Katsina students says it all about His Excellency’s passion for Katsina youths and their educational development,” the statement said.

    Source

  • California has 11 of largest housing shortages in US, study says – Paradise Post

    Buzz: California is home to 11 of 25 US metropolitan areas with the largest housing shortages.

    Source: My trusty spreadsheet reviewed a study of housing underproduction by Up For Growth that looked at construction from 2012 through 2021 for 193 US metropolitan areas – including 23 from California.

    Topline

    The Golden State’s high housing costs are often tied to construction failing to keep pace with population and economic growth.

    Here’s the 11 biggest homebuilding deficits in the state, ranked by their shortfall’s share of local housing supply …

    Ventura County: Home construction has run 12.5% short of local needs (a gap that ranks No. 1 in the US). The deficit translates to the underproduction of 36,161 residential units.

    Inland Empire: 10.7% short (No. 3 nationally) – or 160,841 units.

    Madera: 8.8% short (No. 5) – or 4,251 units.

    Salinas: 8.3% short (No. 7) – or 9,868 units.

    Merced: 7.9% short (No. 9) – or 7,053 units.

    Stockton: 7.9% short (No. 9) – or 19,957 units.

    Visalia: 7.6% short (No. 11) – or 11,410 units.

    • ECONOMIC NEWS: What’s the big trend? Should I be worried? CLICK HERE!

    Los Angeles-Orange County: 7.1% short (No. 14) – or 332,275 units.

    Vallejo: 7.1% short (No. 14) – or 11,577 units.

    Yuba City: 5.9% short (No. 23) – or 3,698 units.

    Modesto: 5.8% short (No. 24) – or 10,547 units.

    Details

    Looking at the big picture, let’s compare California’s 23 markets with the 170 other metros with under production …

    California metros are 873,730 units short, by this study’s tally. That’s a deficit equal to 6.5% of all homes statewide.

    Other US metros are 2.55 million units short, or 3.3% of their combined supply.

    So California’s underproduction, by this math, is essentially twice as deep as elsewhere.

    Caveat

    Note that housing shortage estimates vary widely. That’s because the math includes a host of assumptions – from measuring demand (people or jobs) to housing density (people per home) to the starting point (good times or bad).

    The logic of Up For Growth, industry-supported researchers, says the nation overall is 3.9 million housing units short.

    That deficit falls in the mid-range of projections from other groups. Those estimates project the shortfall from just under 2 million to over 6 million.

    Bottom line

    Forget the debate about the size of the housing shortfall.

    Instead, ponder the fallout across the Golden State through a prism of key housing cost metrics as reported by this study.

    Rent growth between 2012 and 2021 in the 23 California metros saw the median increase 4.9% in a year vs. 3.4% in the 170 metros elsewhere.

    Rent is considered a financial burden for 53% of Californians vs. 46% nationally.

    Or think about median home prices, which are up at a 10% annual pace in a year for these California metros vs. 5.6% nationally.

    Postscript

    Here are the other California metros in the study, ranked by shortfall …

    Fresno: 5.6% short (No. 28 of 193) – or 18,770 units.

    San Jose: 5.3% short (No. 34) – or 36,404 units.

    Sacramento: 5.1% short (No. 37) – or 46,604 units.

    San Diego: 5% short (No. 40) – or 60,989 units.

    Bakersfield: 4.8% short (No. 42) – or 14,320 units.

    Napa: 4.7% short (No. 46) – or 2,485 units.

    • REAL ESTATE NEWSLETTER: Get our free ‘Home Stretch’ by email. SUBSCRIBE HERE!

    Santa Rosa: 3.8% short (No. 69) – or 7,417 units.

    San Francisco-Oakland: 3.6% short (No. 75) – or 66,793 units.

    Santa Maria-Santa Barbara: 3.6% short (No. 75) – or 5,697 units.

    Santa Cruz: 3.5% short (No. 79) – or 3,579 units.

    San Luis Obispo-Paso Robles: 1.9% short (No. 128) – or 2,144 units.

    El Centro: 1.6% short (No. 136) – or 890 units.

    Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com

    Source