From Realtor.com:
2 Southern States Lead the U.S. With the Highest Number of Foreclosures
Foreclosures have continued to inch upward, signaling that homeowners are being squeezed by the high cost of homeownership.
There were a total of 36,033 U.S. properties with foreclosure filings, defined as default notices, scheduled auctions, or bank repossessions, up 0.4% from the prior month and 13.9% from a year ago, according to the April 2025 U.S. Foreclosure Market Report from ATTOM, a leading curator of land, property data, and real estate analytics.
“April’s foreclosure activity continued its gradual climb, with both starts and completions up annually,” said Rob Barber, CEO of ATTOM. “While volumes remain below historical norms, the year-over-year increases may suggest that some homeowners are beginning to feel the effects of persistent economic pressures.”
Three states had the highest number of foreclosures, and two of them might surprise you. The report revealed that South Carolina, Illinois, and Florida had the worst foreclosure rates in the nation.
While Florida, with its triple whammy of skyrocketing HOA dues, insurance rates, and property taxes, may predictably be a place where homeowners are finding themselves underwater on their mortgage, South Carolina and Illinois are a bit more unexpected.
…
South Carolina saw 1 in every 2,311 housing units with a foreclosure filing; Illinois had 1 in every 2,405 housing units; and Florida had 1 in every 2,526 housing units. Rounding out the top five were Delaware (1 in every 2,617) and Nevada (1 in every 2,944).
Yep
OC1 says:
May 14, 2025 at 9:36 pm
BTW – Iran deal can happen….
We had one! The JCPOA- Iran stopped uranium enrichment in return for sanctions relief.
Obama (and big euro countries) signed it.
And Trump pulled the US out of it during his first term.
Wanna bet that Trumps new deal (if it happens) looks a lot like the JCPOA?
Classic Trump- screw something up, undo his screwup, MAGA cheers!
Of course (since Trump pulled out of the first deal) the Iranians are going to be a lot less trusting this time around.
Instead of building on the original JCPOA, we are back to square one.
Art of the deal.
1 & 2 sleepy heads
maga Florida expecting a big government bail out. Typical Marxist boomers
“ While Florida, with its triple whammy of skyrocketing HOA dues, insurance rates, and property taxes, may predictably be a place where homeowners are finding themselves underwater on their mortgage, South Carolina and Illinois are a bit more unexpected.”
Nuts, from the NYT:
California Approves 17 Percent Rate Increase for State Farm
State Farm will be allowed to temporarily charge an extra 17 percent for homeowners’ insurance policies in California, after the state gave the company permission, in the wake of the catastrophic fires. The insurer will be allowed to charge the higher rate at least until a hearing later this year, the state announced on Tuesday.
The insurance giant already received a 20 percent rate increase last year, a move that a consumer watchdog group, as well as homeowners struggling to be paid after their homes were destroyed in January in the Los Angeles fires, criticized as unfair and unfounded.
State Farm requested the emergency rate increase in February, the month after fires ripped through the Pacific Palisades and Altadena neighborhoods of Los Angeles, razing over 16,000 homes and structures. The company — which insures one out of every five homes in California or roughly 1 million homeowner customers — had requested even more: a nearly 22 percent rate increase on homeowners’ policies, citing a “dire situation.”
Wickoff, Rubio from the US, Russian delegation led by presidential aide Vladimir Medinsky, Zelensky for Ukraine are in Turkey right for ceasefire talks.
An extra 17% on top of a 20% increase…
Can’t you shop for a better rate or is State Farm the only choice?
Shop where?
https://www.bankrate.com/insurance/homeowners-insurance/carriers-exit-california-home-insurance/
America for sale. Saudi making a nice purchase.
Please foreigners, buy our land, mineral rights, airwaves, and any other thing that used to be public.
Boomer selling the house and the land, not leaving anything for his children.
First, the funding. Critics say we can’t have a sovereign wealth fund without a budget surplus. But America already owns substantial assets: land, mineral rights, spectrum licenses, and intellectual property. We just don’t normally monetize our ownership in them for the direct benefit of our citizens. Instead, we treat our assets and their revenues as disposable income, while countries like Norway prudently invest their oil wealth.
Take federal lands: The oil royalties charged by the Department of the Interior are at below-market rates. By charging what Texas charges for the same activities, we could generate an incremental $8.5 billion. Add expanded renewable energy leasing, and we could boost that to $10.1 billion.
“Folks, I have to tell you—nobody thought it could be done. But we did it. We created the best homeowner insurance, maybe ever, for the people of California. It’s cheap—tremendously cheap—nobody’s seen prices like this. It covers everything, and I mean everything. Fires, floods, earthquakes—you name it. It’s the most comprehensive plan, and everybody’s talking about it. Other states are jealous! We did it smarter, faster, and for less money than anyone thought possible. That’s what we do—we win. And California? You’re welcome!”
So the rich guy that sells a pint of ice creme that has 1100 calories and costs 8 bucks is mad at a guy who is trying to make our food healthier and has nothing to do with the War Israel is running in Gaza.
“Can’t you shop for a better rate or is State Farm the only choice?”
Pay off the mortgage and get rid of the insurance. Lot’s of wealthy people do this. If you bought in a tinder box, flood zone, on a major fault line? Too bad. Everyone else would be better off without it.
We used to have a rider on Gator’s engagement ring. Was very expensive. After 20 years, we could have bought a second ring.
Insurance is a tricky thing. Humans are particularly bad at calculating risk. Like Juice avoiding Newark Airport. Anyone fall for the Gerber policy?
“Pay off the mortgage and get rid of the insurance. Lot’s of wealthy people do this.”
My car needs repairs
Buy a new car that has a warranty. Lots of wealthy people do this.
They will get it.
Very Stable Genius says:
May 15, 2025 at 6:01 am
maga Florida expecting a big government bail out. Typical Marxist boomers
Thats why the ground level beach shack is always the smart play.
Who cares if the ocean takes it away?
Even better, if it’s still standing after 70 years, it’s probably in a pretty good spot to stand for 70 more.
If the rider was expensive, how much was the ring?
And 20 years? Of all people I’m surprised you let that slip.
Well, even monkeys fall out of trees now and then.
We used to have a rider on Gator’s engagement ring. Was very expensive. After 20 years, we could have bought a second ring.
For you tech nerds-this is pretty amazing. Drive carefully.
https://youtu.be/Nyj_ohGfudw?t=2879
Price controls create shortages. Econ 101
Insurance companies can and do decide to leave states where they can’t price for the risk.
A college roommate’s family paid off their mortgage and dropped the insurance. They thought they were financially savvy not paying that insurance premium. A few years later the house burnt down.
Well, even monkeys fall out of trees now and then.
Are they coconut trees?
You ditch them, put in government run insurance.
Maximum payout for a 3 bedroom bungalow Cape Cod.
Anyone feeling the need to have a bigger home, well, let them pay for it themselves.
If they take the govt insurance, they aren’t allowed to purchase any private insurance.
You choose.
No One says:
May 15, 2025 at 8:59 am
Price controls create shortages. Econ 101
Insurance companies can and do decide to leave states where they can’t price for the risk.
Eddie,
They can be any kind of trees you like.
It’s your fantasy.
White Trash Eddie says:
May 15, 2025 at 9:10 am
Well, even monkeys fall out of trees now and then.
Are they coconut trees?
Darky,
We got rid of the rider after seven years. Still have the ring, 21 years later.
So what?
If you are rich, you just take some savings and buy another one. Cash.
That’s why Lib said rich. Not fake rich.
Hold my beer says:
May 15, 2025 at 9:01 am
A college roommate’s family paid off their mortgage and dropped the insurance. They thought they were financially savvy not paying that insurance premium. A few years later the house burnt down
Yeah I didn’t think you would do the 20. Too smart and not your style.
Stuart J Weissman says:
May 15, 2025 at 9:15 am
Darky,
We got rid of the rider after seven years. Still have the ring, 21 years later.
https://finance.yahoo.com/news/retail-sales-slow-sharply-in-april-as-pre-tariff-spending-burst-reverses-123408102.html
Here it comes Juice. You don’t have to agree with me now. You just have to admit I was right later. Like I admit when my shit stinks. You know, like with Kamala.
Grim says:
May 15, 2025 at 8:48 am
Thats why the ground level beach shack is always the smart play.
Concrete house, concrete furniture with foam padding covers, concrete floors.
replace the throw rugs, rinse the floor, move back in after the flood.
From Bloomberg,
Here Are the Winners and Losers in the Republican Tax Bill
Wealthy Americans and business investors are among the big winners in House Republicans’ draft tax legislation while targets of President Donald Trump’s ire such as immigrants and elite universities were hammered.
The tax plan is likely to undergo significant changes as it winds through the House and then the Senate. But the committees’ drafts released this week have set up initial goalposts.
Here’s who’s winning and losing so far in the tax fight.
Winners
Multimillionaires
The rich would dodge a tax increase and gain the ability to pass more wealth on to their heirs in the bill approved early Wednesday by the House’s tax committee.
House Republicans omitted a proposal the Trump administration floated to raise the income tax rate from 37% to 39.6% on people with very high incomes. Instead, wealthy families get another tax break: the estate tax exemption will rise to $15 million for individuals and $30 million for married couples next year, and rise with inflation afterward. Moreover, their Trump tax cuts would become permanent.
Small Business Owners
The bill increases the pass-through business tax deduction from 20% to 23% and expands the definition of who can qualify. The deduction is available to owners of sole proprietorships, LLCs and partnerships.
Private Equity
The carried interest tax break benefiting private equity, venture capital and real estate partnerships would survive again, despite the president’s push to eliminate it. Private equity also won an expanded interest expensing tax break.
Domestic Car Dealers
Up to $10,000 a year in loan interest for US-made cars would be tax deductible through 2028, a boon to auto dealers looking to close sales. But the break phases out slowly for individuals with more than $100,000 in income and couples with more than $200,000. This new break will cost an estimated $57 billion in lost tax revenue.
Manufacturers
The bill revives several favorable tax rules for businesses, including bonus depreciation for the cost of production upgrades and a research and development tax break, winning the endorsement of the National Association of Manufacturers. Those breaks, however, would also be temporary.
Elderly and Tipped Workers
In a nod to some of Trump’s populist campaign promises, taxpayers aged 65 and older would get a larger standard deduction, while tips and overtime pay would be exempted from income taxes. The provisions included limits to shrink their cost and would expire after 2028.
Parents
The child tax credit would increase from $2,000 to $2,500 though 2028. Newly minted parents could open up new “MAGA” investment accounts for their babies seeded with $1,000 from the government.
Corporations
Other tax increases that had been considered that would have hit big business, such as an increase in the stock buyback tax or a limit on the state and local deduction for corporations, were mostly rejected.
Defense Contractors
The package boosts defense spending by $150 billion, with much of the funding going to new weapons systems made by major contractors.
Losers
Low-Income Americans
Some of the cost for the tax bill would be defrayed through cuts to Medicaid health coverage and food stamps, both of which benefit low-income Americans. House Republicans are seeking to impose work requirements on able-bodied Medicaid recipients up to 64 years old and beneficiaries would have to pick up more costs.
The GOP also has proposed cuts to the nation’s largest anti-hunger program, the Supplemental Nutrition Assistance Program. That includes expanding current work requirements to cover more beneficiaries. Beginning in 2028, states also would be required to pay a portion of food benefit costs, which are now fully paid by the federal government.
Residents of High-Tax States
Lawmakers representing high-tax states such as New York, New Jersey and California pressed to increase a limit on the deduction for state and local taxes first imposed to help pay for Trump’s 2017 tax law. But House Republicans’ plan to raise the limit to $30,000 — up from the current $10,000 — fell far short of demands.
Negotiations are still underway and the disappointed lawmakers have plenty of leverage. House Speaker Mike Johnson said a SALT deal is likely Wednesday. House Ways and Means Chairman Jason Smith has criticized the demands for an even bigger SALT deduction, saying that a $30,000 cap covers more than 90% of the constituents in high-tax districts.
The limit would expire entirely at the end of the year without new legislation and because of the small Republican majority just a few lawmakers from high-tax states could block the House bill if they withhold their votes, as they have threatened to do.
Renewable Energy
Clean energy industries would be hit by the Republican plan, which would roll back many provisions of former President Joe Biden’s landmark climate law.
A tax credit for solar panels and other clean energy systems would be phased out, as would investment and production tax credits for wind, solar and other clean electricity production. Tax credits for the production of nuclear power and hydrogen production also would be phased out.
Electric Vehicle Makers
Tesla Inc., General Motors Co. and other electric vehicle makers would be hit by elimination of a consumer tax credit of up to $7,500 for the purchase of electric vehicles.
The GOP proposal also ends tax credits for used and commercial electric vehicles.
Elite Universities
Add tax bills to the escalating battle the Trump administration and Republicans are waging against elite universities such as Harvard and Columbia.
Private colleges and universities with at least 500 students and endowments exceeding $2 million per student would pay a rate of 21% on net investment income, up from the current tax of 1.4%. That includes Harvard, Yale, Stanford, Princeton and MIT.
But the plan won’t only impact the wealthiest private colleges. Colleges with endowments over $750,000 to $1.25 million per pupil will pay a 7% tax, while colleges with endowments over $1.25 million per student but below $2 million would pay 14%. Religious institutions are exempted.
Private Foundations
Private foundations also would face an escalating tax based on their size: 2.78% for private foundations with assets between $50 million and $250 million, 5% for entities with assets between $250 million and $5 billion; and 10% for foundations with assets of at least $5 billion, such as the Gates Foundation, a longtime target for Republicans.
Immigrants
Several provisions would raise taxes on immigrants. That includes a new 5% tax on transfers of money to foreign countries, known as remittances. Many immigrants in the US send money to relatives in their countries of origin. US citizens could apply for credits to offset that cost.
The proposal also would restrict some immigrants’ access to tax credits for health coverage premiums. The change would prevent immigrants granted asylum or temporary protected status from accessing those credits.
— With assistance from Ari Natter and Erik Wasson.
Nice.
Religious institutions are exempted.
https://finance.yahoo.com/news/walmart-says-raise-prices-given-121641944.html
Here it comes. I warned you there would be a ton of optimism based on the demand pushed forward. Unfortunately, now the party is over.
And don’t forget, that light inflation number was mainly due to the drop in oil and gas prices. Year over year food prices did creep up and are about to creep up a lot more. I wonder how MAGA will blame this on Biden?
http://www.crossingwallstreet.com/wp-content/uploads/2025/05/Fed-funds.png
https://www.reviewjournal.com/news/nation-and-world/cartel-leaders-family-members-entered-us-in-a-deal-with-trump-administration-3372370
I wonder if they will be given citizenship?
I guess the tax on foundations is also a tax on the rich. I thought they get set up so that rich kids with art history degrees can become head of the “foundation” that the parents set up for them as a way around inheritance taxes. So I guess a small business owner or farmer will be able to just let their kids inherit the business without the taxman coming to call, sometimes forcing them to break it up.
High income earners are still paying the vast majority of the taxes in the US, but the leeches begrudge every % that they or their kids get to keep of their earnings, thinking that the moral base case of society is a communist utopia where no property is private, and everyone is coerced into providing their labor and goods for “free” to every hand stuck out.
Unfortunately, now the party is over.
Damn, and I was having a good time.
Oh, we know you were.
An EXTREMEly good time.
Lib – Newark Airport isn’t a problem? The Dept of Transportation Secretary had his wife change her flight to LaGuardia, anything but Newark.
Safety or not there are now delays. There is an on ongoing meeting yesterday and today between the FAA and the airlines to drastically cut the number of flights in and out of Newark.
Here is the data. 1200 arrivals and departures per day…Way too many..
https://www.flightaware.com/live/airport/KEWR#airport-parity-stats-container
Philadelphia TRACON facility for Newark is supposed to have 38 certified professional controllers yet only 24 of the positions are filled 63%. Between the low number of controllers and several controllers taking a 45 day trauma leave they are even more short staffed now. Three shifts a day and six day work weeks and sick outs it is not as safe as it should be.
Flights need to be reduced drastically… Bring in Military controllers to assist. Get a few out of retirement and pay them $$$ to consult.
Juice,
If the silky in you makes you too chicken to fly, you could try driving.
A great experiment. Just look how tragic this could have been.
Well, maybe if you are in the minivan or the Red Golf.
https://youtu.be/Nyj_ohGfudw?t=2879
No One,
Just wait till those “leeches” start shooting you for their handout.
It’s coming. Third world status approaching.
I know the news. I also know that there are easy ways to rectify the situation. But first and foremost, this is an anti-DEI story more than it is a safety story. THE FAA can easily pay and move people from fully staffed towers to help with the shortage. This is not brain science. They are talking about spending 11 billion to fix the entire system. They can afford the 200K or so it would cost make a temporary fix.
As for Newark being over used? It has been for decades. It’s essentially a one runway airport since the two runways are too close together to let planes take off and land simultaneously. There have been calls to reduce air traffic there for both safety and noise reasons since I was a kid. Instead, like at DC National, the government could give two shits because profits speak louder than safety.
We are now living in a world where every fucking thing is a wedge issue. No news sources can be trusted. One always has to look for story behind the story and it’s usually the almighty dollar. I don’t doubt that there is a safety issue there. But there are easy solutions that this administration won’t take because the DEI story Trumps them.
That’s all I am trying to say. With that said, I have lots of flights in and out of there. I know how the ATC system works. I know the likelihood of an accident is still next to null. I will take that risk.
THE FAA can easily pay and move people from fully staffed towers to help with the shortage.
Wasn’t the whole Ronnie Reagan plan put in place because we didn’t want to pay those “leechers?”
Gary,
I leave you my most valuable earthly possession. My 1970’s gas powered weed whacker.
#1 5:58,
While Trump was on his trip for a peace prize in the middle east, Israel bombs and kills over a 100 Gazans.
Now, Trump says Gaza should turn into a “Freedom zone”… aka, US takeover.
As I said earlier, as long as Israel is not controlled – to play with international laws, securing a nuclear deal with Iran or having Saudis commit to the Abraham accord will be just a moot point.
And it is in Bibi’s best interest to keep the conflict going… he needs his right wing support.
A gift from the heart.
Phoenix – The January 29 mid air collision at DCA (Reagan National Airport) between the Helicopter and the landing passenger aircraft, and the near collision on March 29th? The arrest of the air traffic controller?
Same issues different airport, shortage of trained controllers.
Where are all of the Epstein files?
Why isn’t Trump draining that swamp?
Is there still a war in Ukraine? What about the 24 hr deal?
Ronald Reagan
Your sweetheart. The one many Americans jerk off to.
Killed that job.
There is your shortage of trained controllers. You disrespected them.
Juice, you gonna suggest that job to your kid? Anyone else?
If it paid well, had a Pension like the PoPo, and wasn’t like a Foxconn factory there wouln’t be a shortage.
Capisce?
And Juice,
Were all gonna die. Embrace that fact and then you will no longer live in fear.’
Who wants to live forever anyway?
Hawkman, Flash Gordon.
When was the last time you’ve held a woman?
In captivity?
Alive Woman you mean?
Define Woman.
$20 million is yours if you can catch the crypto crooks
https://fortune.com/crypto/2025/05/15/coinbase-puts-20-million-bounty-on-crooks-who-tried-to-extort-firm-over-stolen-customer-data/
And as long as we have stories like this, crypto will only be a betting game.
Coinbase is a scam, just like FTX. Is just their CEO is a bald headed crooked nerd instead of being a side show Bob wannabe crooked nerd.
Up till OrangeTurd got elected, it was under investigation and seize and deceased by SEC and other assorted financial cops all over the country. Now is in the S&P 500. In 20 yrs it will be known as the WeWork or Enron of Crypto.
Rent – Nobody here is a biologist…
But if you played one on TV, you’d surely be nominated for a MAGA Cabinet position.
Good Ol’ California insurance. We ended up in the State insurance pool after Farmers dropped us this year. Yep. Extra $5k a year for Home Owners. 8 years, never had a claim and realistically we are not in a critical burn zone. Go figure.
I had an uncle who was an air traffic controller when Reagan fired them. I got the impression he blamed the union for breaking the law, nothing he could individually do about it. Got other jobs and voted Republican thereafter, as far as I could tell. He certainly died a happier man than Phoenix, who is still bent out of shape about it. Next time I see his son, my cousin, I’ll tell him about Phoenix we can laugh about how NJ neurotics are still pissed off and plotting revenge fantasies over the fricking ATC union.
Unions are a mixed bag as BRT will attest. Collective bargaining and work actions can be very useful or kill you. Ask the Hollywood unionists how their industry is doing right now. Impact of the Strikes:
Disruption of Production:
The strikes led to significant delays and cancellations of film and TV projects.
Financial Losses:
The strikes resulted in estimated financial losses in the film industry, with studios facing pressure to cut costs.
Contract Changes:
The strikes led to new contract provisions for WGA and SAG-AFTRA members, including pay increases, residual protections, and AI safeguards.
Industry Contraction:
Some believe the industry is in a contraction due to factors like streaming wars, competition from other locations, and changing viewing habits, with some jobs lost and fewer opportunities for some.
Long-Term Effects:
The long-term impact of the strikes is still being felt, with some suggesting that production has not fully recovered and some are struggling to find work.
A little over a year later, Hollywood is still feeling a little bit like the Titanic. During the strike, as creatives contended that they were increasingly being devalued in the streaming era, employment of L.A. entertainment workers reportedly dropped 17 percent. Then, as workers emerged from the labor battle with sapped savings accounts, the business was simultaneously being reshaped by major companies continuing to aggressively cut costs. Production in the U.S. in the last six months is down 37 percent compared to the same period in 2022. (2023’s numbers are skewed by the strikes.) In the wake of the labor battle, scribes have spoken publicly about a dearth of opportunities, while some actors and writers have talked about not being able to meet their union health insurance thresholds.
Don’t care about ATC unions. But facts are facts.
Uncle was better off quitting once Reagan trashed the industry, however.
Like Epstein?
Libturd says:
May 15, 2025 at 12:09 pm
In captivity?
RentL0rd says:
May 15, 2025 at 12:20 pm
Define Woman.
If you identify as one.
CGI and AI are going to eliminate tons of people in Hollywood.
oh well.
Boomer watch out
Older people in crosshairs as government restarts Social Security garnishment on student loans
NEW YORK (AP) — Christine Farro has cut back on the presents she sends her grandchildren on their birthdays, and she’s put off taking two cats and a dog for their shots. All her clothes come from thrift stores and most of her vegetables come from her garden. At 73, she has cut her costs as much as she can to live on a tight budget.
But it’s about to get far tighter.
As the Trump administration resumes collections on defaulted student loans, a surprising population has been caught in the crosshairs: Hundreds of thousands of older Americans whose decades-old debts now put them at risk of having their Social Security checks garnished.
Around 2008, when she consolidated her loans, she was paying $1,000 a month, but years of missed payments and piled-on interest meant she was barely putting a dent in a bill that had ballooned to $250,000. When she sought help to resolve her debt, she says the loan company had just one suggestion.
“They said, ‘Move to a cheaper state,’” says Farro, who rents a 400-square-foot casita from a friend. “I realized I was living in a different reality than they were.”
People 60 and older hold an estimated $125 billion in student loans, according to the National Consumer Law Center, a six-fold increase from 20 years ago.
That has led Social Security beneficiaries who have had their payments garnished to balloon by 3,000% — from approximately 6,200 beneficiaries to 192,300 — between 2001 and 2019, according to the Consumer Financial Protection Bureau.
This year, an estimated 452,000 people aged 62 and older had student loans in default
Okkkkaaaay D P it’s time for your Thorazine
Socialist state insurance pool.
Lorax says:
May 15, 2025 at 1:54 pm
Good Ol’ California insurance. We ended up in the State insurance pool.
Socialist would indicate a lower cost than reality dictates. But then as a VoTech Nursing school grad, I wouldn’t expect you’d know the difference.
Socialist as in it’s government and not private.
i’m sure it cost you less than picking another private insurance company.
Nope. There is a moratorium on new policies Statewide. It is literally the insurer of last resort.
mor·a·to·ri·um
/ˌmôrəˈtôrēəm/
noun
noun: moratorium; plural noun: moratoria; plural noun: moratoriums
a temporary prohibition of an activity.
“an indefinite moratorium on the use of drift nets”
Those seniors with student loans, is that from
Their own education or did they borrow so Madison could go to university of Delaware instead of Rutgers or Montclair?
How much was DeVry Nursing?
Proud Alumni?
https://www.devry.edu/online-programs/area-of-study/healthcare.html
Healthcare touches everyone’s lives, and the heroes who help people aren’t just dedicated doctors and nurses. The industry — and patients — rely on professionals who manage operations, lead teams, specialize in billing and coding, employ cyber defenses to protect private data, and much more.
Your future in this essential field is waiting, and enrolling in a healthcare degree or certificate program can help you get there:
Study industry-relevant topics: Explore medical terminology, billing, insurance processes, healthcare software, and more to stay up to date on evolving tools and best practices.
Get hands-on experience: Immerse yourself in our Digital Health Core curriculum to build foundational cross-discipline skills — and practice working with healthcare software and simulated patient records.
Find your ideal field: Choose from programs in medical billing and coding, healthcare administration, health information, and more to specialize in the area that matches your goal of making a meaningful impact.
Why I check these threads every day….
Filthy Pete says:
May 15, 2025 at 12:02 pm
When was the last time you’ve held a woman?
Libturd says:
May 15, 2025 at 12:09 pm
In captivity?
Juice Box says:
May 15, 2025 at 12:13 pm
Alive Woman you mean?
RentL0rd says:
May 15, 2025 at 12:20 pm
Define Woman.
You are paying for everyone who is in a critical burn zone. Also, re-insurance pools are global, so NJ is getting hit with Cali crap too, just not as extreme.
Lorax says:
May 15, 2025 at 1:54 pm
Good Ol’ California insurance. We ended up in the State insurance pool after Farmers dropped us this year. Yep. Extra $5k a year for Home Owners. 8 years, never had a claim and realistically we are not in a critical burn zone. Go figure.
Yes, absolutely. It was big problem in FL too as a result of the hurricanes. One reason my folks left after more than 20 years and retreated to NC.
What about discharge after 25 years? I mean at this point, it is just going to be for a finite period of time, but ultimately it won’t be a permanent impediment.
Dark Phoenix says:
May 15, 2025 at 4:10 pm
People 60 and older hold an estimated $125 billion in student loans, according to the National Consumer Law Center, a six-fold increase from 20 years ago.
That has led Social Security beneficiaries who have had their payments garnished to balloon by 3,000% — from approximately 6,200 beneficiaries to 192,300 — between 2001 and 2019, according to the Consumer Financial Protection Bureau.
This year, an estimated 452,000 people aged 62 and older had student loans in default
Pay 8k a class for the professor to give ChatGPT notes.
Maybe he’s busy reading this blog
https://www.yahoo.com/news/northeastern-college-student-demanded-her-112924481.html
You are no cheating if you are using ChatGPT. You are simply pioneering the brave new world.
chi
it’s all about the entertainment
So true socialism.
Lorax says:
May 15, 2025 at 4:32 pm
Nope. There is a moratorium on new policies Statewide. It is literally the insurer of last resort.
HMB
Good question. I’d wager deferred.
WSJ EXCLUSIVE
This Air-Traffic Controller Just Averted a Midair Collision. Now He’s Speaking Out.
Jonathan Stewart says controllers didn’t walk off the job after recent FAA equipment outages; ‘I don’t want to be responsible for killing 400 people’
Follow the WSJ in Apple News
MALVERN, Pa.—Jonathan Stewart was into his fourth hour overseeing the planes flying near Newark, N.J., when he noticed two aircraft speeding nose-to-nose on his radar scope.
A business jet that had departed the Morristown airport was heading toward another small plane that had taken off from nearby Teterboro, a hub for corporate flying. A midair collision was potentially seconds away with planes flying at the same altitude.
The veteran air-traffic controller had been scribbling callsigns for the planes and flight information in a notebook, worried that radar and radio communication might fail as they had days earlier. After recognizing the unfolding conflict, he instructed the pilots to turn the planes away from each other, which they did.
But Stewart, 45 years old, was badly shaken. Hours after the May 4 incident, he fired off an email to Federal Aviation Administration managers, criticizing their leadership. “I take my job very seriously, as I do the safety of the flying public, and take pride in my performance,” he wrote.
For years, the FAA has struggled to fully staff air-traffic facilities and keep critical technology running. Frustrated with the current work situation and his own close call, Stewart took stress-related trauma leave, a benefit available for controllers.
“I don’t want to be responsible for killing 400 people,” he said in an interview.
Controllers rarely speak to the media publicly, especially without the supervision of public-affairs officials. Stewart said he wanted to set the record straight about controllers who he said had been demonized in news coverage.
Several controllers Stewart works with have also taken leave, some after tech glitches temporarily interrupted their radios, radar and backups—incidents they feared could have led to catastrophe.
Controller absences have stretched the FAA’s air-traffic operation. That has resulted in more frequent flight delays and deep disruptions at Newark Liberty International Airport, and spilled over to airports across the country.
The FAA said it was pursuing short- and long-term fixes for controllers who oversee Newark airspace. Those initiatives include installing a temporary backup telecommunication system, more-reliable connections and a new radar system based in Philadelphia.
The agency also said it was limiting flights to the airport and has a healthy training pipeline to boost staffing.
Stewart doesn’t work at an airport tower. He’s a supervisor at a facility known as a Tracon, or Terminal Radar Approach Control. In addition to handling traffic for smaller regional airports, the Philadelphia site oversees planes approaching Newark. In a dimly lighted room, he toggles between supervising other controllers and obsessively tracking the moving dots representing aircraft on radar scopes.
“It’s like a videogame, but it’s like playing 3-D chess at 250 miles an hour,” he said. “We are the guys that are guiding your pilots home.”
The air-traffic control workforce is largely unionized, and controllers like Stewart at busy FAA facilities are well paid. Stewart, who isn’t in the controllers’ union, said he is on track this year to earn over $450,000, including overtime. Highly skilled controllers deserve to make that much without grueling hours, he said.
“You’re sacrificing a lot for that,” Stewart said. There’s 60-hour workweeks, but also “you give up nights, weekends, holidays, birthdays, everything else. Your mental health and your physical health take a toll.”
Stewart said controllers aren’t to blame for all the recent delays and disruptions in and out of Newark. Controllers hadn’t “walked off the job,” as United Airlines Chief Executive Scott Kirby said in a recent letter to customers.
The comment was “insulting at best and just quite frankly misinformed,” Stewart said. Safety events, he said, might not be stressful initially. “But the thing about PTSD is this: For every time you have an incident—say a close call, a near-midair, God forbid—all of these things are cumulative,” he said.
A United spokesman pointed to Kirby’s more recent statements calling for better equipment and working conditions for air-traffic controllers.
Stewart, who noted he wasn’t speaking on behalf of the FAA, said the controllers who manage Newark airspace are elite but need more resources to effectively do their jobs.
Adrenaline rush
Stewart spent part of Monday afternoon shooting his pistols at an indoor range in this Philadelphia suburb. In a lounge appointed with a fireplace and Chesterfield chairs, he enjoyed cigars and Johnnie Walker Blue Label scotch. He goes there for stress relief.
Hard-charging, confident and at times brash, Stewart said he also spends free time at the gym and riding his motorcycle.
A native of Pensacola, Fla., he got his start in air-traffic control while in the U.S. Air Force. He knew little then about the field.
The adrenaline rush hooked him, said Stewart, and the job’s high stakes. “It’s effing fun, man…You play God because you cannot fail,” he said. “You cannot make a mistake.”
SHARE YOUR THOUGHTS
What should be done to ensure safety in the skies? Join the conversation below.
To comment, you’ll need to be on WSJ.com
Stewart spent about a decade in the Air Force. His service experience allowed him to bypass the typical civilian route of going through the FAA’s air-traffic controller training academy in Oklahoma City.
Over more than 25 years, Stewart has worked at several civilian and military air-traffic facilities, including those in Miami and in New York. Philadelphia was added to the list after the FAA last year moved oversight of Newark’s airspace from Long Island, N.Y. The agency’s move aimed to address years of chronic understaffing.
The staffing situation hasn’t yet improved. A string of tech outages prompted some controllers to take trauma leave, further imperiling staffing levels and making training harder.
Breaking point
Stewart sees staffing as among the biggest problems in air-traffic control. Thin ranks of controllers limit how many aircraft can be managed effectively, he said.
He prefers controllers spending no more than two hours actively working traffic. Otherwise, it’s easy to lose focus and get tired.
“Like anything else, you’re going to have a breaking point,” Stewart said.
In Stewart’s close call earlier this month, he worked more than three hours without a break, according to an internal safety report viewed by The Wall Street Journal.
“The situation is, has been and continues to be unsafe,” Stewart wrote in the report. He also said: “The amount of stress we are under is insurmountable.”
The FAA, which is reviewing the safety report, said it treats all such reports seriously and takes necessary action.
Stewart said he spoke with senior FAA officials ahead of an interview with the Journal. The agency, he said, seems to be taking steps to ease staffing and other problems facing controllers who oversee the Newark airspace.
“For the first time that I’m aware of, they are throwing money at the problem,” Stewart said.
Transportation Secretary Sean Duffy has announced an effort to broadly overhaul the nation’s air-traffic system and asked Congress for billions of dollars to make it happen. Duffy has said the Philadelphia facility would be prioritized.
On Monday, Duffy said a software patch last weekend prevented a radar outage. FAA officials are also working to install a new radar system in Philadelphia, rather than use a glitchy data feed from Long Island.
Congested airspace and failure-prone tech aren’t the only challenges the Newark-area controllers face. Helping aircraft navigate through winds coming from the Adirondacks to the north and around the Hudson River creates unique challenges.
Getting from the classroom to working live traffic there can take a few years—“and that’s assuming that you can do it,” he said.
Stewart’s time away from work might be limited. His leave entitles him to up to 45 days of regular pay. A return to controller duties will depend on a medical evaluation.
Asked what else he’d like to say publicly, Stewart responded: “I would like to add that I’m tired and I want to go take a nap.”
Stewart spent about a decade in the Air Force. His service experience allowed him to bypass the typical civilian route of going through the FAA’s air-traffic controller training academy in Oklahoma City.
Over more than 25 years, Stewart has worked at several civilian and military air-traffic facilities, including those in Miami and in New York. Philadelphia was added to the list after the FAA last year moved oversight of Newark’s airspace from Long Island, N.Y. The agency’s move aimed to address years of chronic understaffing.
The staffing situation hasn’t yet improved. A string of tech outages prompted some controllers to take trauma leave, further imperiling staffing levels and making training harder.
Stewart sees staffing as among the biggest problems in air-traffic control. Thin ranks of controllers limit how many aircraft can be managed effectively, he said.
He prefers controllers spending no more than two hours actively working traffic. Otherwise, it’s easy to lose focus and get tired.
“Like anything else, you’re going to have a breaking point,” Stewart said.
In Stewart’s close call earlier this month, he worked more than three hours without a break, according to an internal safety report viewed by The Wall Street Journal.
“The situation is, has been and continues to be unsafe,” Stewart wrote in the report. He also said: “The amount of stress we are under is insurmountable.”
The FAA, which is reviewing the safety report, said it treats all such reports seriously and takes necessary action.
Stewart said he spoke with senior FAA officials ahead of an interview with the Journal. The agency, he said, seems to be taking steps to ease staffing and other problems facing controllers who oversee the Newark airspace.
“For the first time that I’m aware of, they are throwing money at the problem,” Stewart said.
Transportation Secretary Sean Duffy has announced an effort to broadly overhaul the nation’s air-traffic system and asked Congress for billions of dollars to make it happen. Duffy has said the Philadelphia facility would be prioritized.
On Monday, Duffy said a software patch last weekend prevented a radar outage. FAA officials are also working to install a new radar system in Philadelphia, rather than use a glitchy data feed from Long Island.
Congested airspace and failure-prone tech aren’t the only challenges the Newark-area controllers face. Helping aircraft navigate through winds coming from the Adirondacks to the north and around the Hudson River creates unique challenges.
Getting from the classroom to working live traffic there can take a few years—“and that’s assuming that you can do it,” he said.
Stewart’s time away from work might be limited. His leave entitles him to up to 45 days of regular pay. A return to controller duties will depend on a medical evaluation.
Asked what else he’d like to say publicly, Stewart responded: “I would like to add that I’m tired and I want to go take a nap.”
Phoenix what’s your point?
Sorry, stuck on these two points…
Stewart, who isn’t in the controllers’ union, said he is on track this year to earn over $450,000, including overtime.
…
Stewart spent part of Monday afternoon shooting his pistols at an indoor range in this Philadelphia suburb. In a lounge appointed with a fireplace and Chesterfield chairs, he enjoyed cigars and Johnnie Walker Blue Label scotch. He goes there for stress relief.
I take it we are not getting a new thread?
Thx for nothing Polish Power.
part of the art of writing notes is delivering it in a mechanism that your students will likely absorb it. Many textbooks fall well short of this so only the smartest kids learn from the book if they read it. This is acquired through years of experience. I basically learned how to do it by modeling my approach after my Organic Chem professor, Dr. O’Connor. He was a high school teacher for 25 years and in his retirement job, he became a college professor at Rutgers. As always, if anyone has a kid in Physics on this board, I’d be happy to supply you with all the materials I give my own students.
The point of my post is that Chat GPT is likely not going to present them in that manner because it has no experience.