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House Republicans are announcing they're leaving office at a significantly faster rate than any other recent Congresses, suggesting Democrats could pick up seats in the 2018 midterm elections. On Wednesday, CNN reported House speaker, Wisconsin Republican Paul Ryan, would be next.Already, at least 42 House Republicans have announced they are retiring, running for another office or resigning outright, including Ryan. They're leaving from all over the map, from southern New Jersey to southern New Mexico.Democrats need to pick up 24 House seats to retake the majority from Republicans, who've had control of the House since 2011.Republican leadership has acknowledged it has a problem."We've got to find better ways to empower people where they feel like this is worth their time," Rep. Pete Sessions of Texas, a former two-term National Republican Congressional Committee chair who met with several members to discuss retirements, told the National Journal in September.But the retirements kept coming.While midterm elections are historically tough for the party of the President in power, it's too early to tell how things will unfold this year. But seats are opening up all over. A few seats will be filled by special elections before next November. But most won't.The locations of some of these seats were pivotal during the push for health care reform and tax reform in 2017. Reps. Frank LoBiondo of New Jersey and Charlie Dent of Pennsylvania were courted during the health care debates for their votes. Both have high numbers of Medicaid enrollees in their districts. Property taxes are high in New Jersey, and LoBiondo objected to the repeal of the state and local tax deduction during the tax reform debates.Some states are seeing higher numbers of open seats. And not all of the vacancies are coming from Republicans. Several vacancies opened in Texas, including the blue 16th Congressional District, won by Democrat Beto O'Rourke in 2016. He announced that he plans to run for the Senate in 2018.Seats have opened as a result of sexual harassment inquiries or accusations. Among Democrats, Reps. Ruben Kihuen of Nevada and John Conyers of Michigan announced they would leave Congress following pressure to resign, though Kihuen plans to finish his term. On the Republican side, Rep. Trent Franks of Arizona resigned and Rep. Blake Farenthold of Texas announced he will resign, both following sexual harassment accusations.The campaign committees on both sides of the political aisle are eyeing the 23 Republicans defending districts that Hillary Clinton won in 2016 and the 12 seats held by Democrats in districts that President Donald Trump won. These are seen as vulnerable seats to flip.But many of the Republican retirements are occurring in districts where Trump narrowly carried the vote, like New Jersey's 2nd or Michigan's 11th. Members from these districts could have faced tough re-elections this year, when Democrats are expected to be strong performers, potentially regaining control of the House.Republicans who say they will run for other offices are more likely to come from districts where Trump performed well. These members vote in alignment with the President at a high rate. They may count on continued support from his base to propel them into higher office.With few exceptions, the Republicans and Democrats who are retiring largely vote along party lines. They also have levels of support for the President's agenda similar to those of their respective parties.Past research has found the emergence of "strategic retirement" by politicians when they think re-election is less likely. The recent results in Virginia and subsequent Republican departures suggest this phenomenon may be in effect.Here is the full list of representatives so far who have announced that they plan to leave office, broken down by whether they said they will resign, retire or run for another office. Some members resigned before their terms ended.While the number of Democrats and Republicans planning to run for another office is close in number, the number of House Republican retirements dwarfs those announced by Democrats. Members from either party planning to run for another office tend to run for Senate seats or governorships.Scandal has also led to some resignations. Rep. Tim Murphy of Pennsylvania announced he would retire after the anti-abortion GOP congressman admitted that he had had an affair and had urged an abortion.  4465

ICYMI: The 2020 @ArmyNavyGame, presented by @USAA, will return to West Point for the first time since 1943.?? https://t.co/mdSCEyVfXc#GoArmy | #BeatNavy | #ArmyNavy pic.twitter.com/7405S9SIDG— Army Football (@ArmyWP_Football) October 23, 2020 250

IMPERIAL BEACH, Calif. (KGTV)— The San Diego Sheriff’s Department is looking for a mother of two accused of stealing thousands of dollars from her children’s school. Last week, the department’s financial crimes division issued a public warrant for 30-year-old Kaitlyn Faith Birchman for felony embezzlement.Birchman was the President of the Imperial Beach Charter School’s PTA, until she was voted off the board in March. Months before, board members said they began noticing a lack of funds.“There were thousands of dollars that hadn’t been paid,” current PTA treasurer Elizabeth McKay said. McKay told 10News, she began connecting the dots last year when vendors from previous years continued to bill the PTA saying they hadn’t gotten paid. That’s when McKay, a former Coronado Police Department Sergeant began investigating. When she contacted the bank, they told her their account no longer existed. "We were very lucky that the bank was willing to work with us to put together a paper trail,” McKay said. “The checks she had written to herself and signed herself. ATM withdrawals that weren't anywhere near Imperial beach or had anything to do with a PTA event."In March, the board confronted Birchman. They had a Sheriff’s Deputy come to the board meeting to explain exactly what “embezzlement” meant."She [Birchman] said that it was just a misunderstanding,” McKay said. “It was a lot of blind faith that they thought if she says everything is okay, then everything must be okay."At the end of the meeting, Birchman was removed from the Board.Now the Sheriff’s department is looking for the woman they said stole directly from kids, forcing the PTA to cancel students field trips and special events. “I want her to think about her own kids. She needs to at this point, make things right by taking responsibility of her actions,” McKay said. “That's the best lesson that she can teach her own children. And to make herself a better person from here."Birchman’s children no longer attend Imperial Beach Charter school. McKay said with the generous support of the community and a large donation from General Mills Box Tops, this school year, the PTA is financially stable again. They also made it a point to make all transactions transparent to all members. 2269

HOUSTON — Defensive end for the Houston Texans, J.J. Watt, said that the booing that erupted at the game against the Kansas City Chiefs on Thursday is "unfortunate."The interruption came as members of both teams locked arms and held a moment of silence before kick off. Watt could be seen locking arms about half way in the line of players and coaches.Watt told the NFL Network on Friday that "the moment of unity I personally thought was good.""I mean the booing during that moment was unfortunate. I don't fully understand that. There was no flag involved. There was nothing involved other than two teams coming together to show unity," Watt said.Both teams featured Black Lives Matter-inspired logos on the gear during the game.About 17,000 socially distanced fans attended, far fewer than what Arrowhead Stadium regularly holds.This article was written by Jackson Danbeck for WTMJ. 893

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312