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Senate rejects Bernie Sanders’ bid to probe Israel over Gaza human rights concerns

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In a notable test Tuesday, Sen. Bernie Sanders forced colleagues to decide whether to investigate human rights abuses in the Israel-Hamas war, a step toward potentially limiting U.S. military aid to Israel as its devastating attacks on Gaza grind past 100 days.

Senators overwhelmingly rejected the effort, a first of its kind tapping into a decades-old law that would require the State Department to, within 30 days, produce a report on whether the Israeli war effort in Gaza is violating human rights and international accords. If the administration failed to do so, U.S. military aid to Israel, long assured without question, could be quickly halted.

But the roll call vote begins to reveal the depth of unease among U.S. lawmakers over Israel’s prosecution of the war against Hamas. With no apparent end to the bombardment, Israel’s attacks against Palestinians, an attempt to root out Hamas leaders, are viewed by some as disproportional to the initial terrorist attack on Israel.

In all, 11 senators joined Sanders in the procedural vote, mostly Democrats from across the party’s spectrum, while 72 opposed.

“To my mind, Israel has the absolute right to defend itself from Hamas’ barbaric terrorist attack on October 7, no question about that,” Sanders told AP during an interview Monday ahead of the vote.

“But what Israel does not have a right to do — using military assistance from the United States — does not have the right to go to war against the entire Palestinian people,” said Sanders, the independent from Vermont. “And in my view, that’s what has been happening.”

The White House has rejected the approach from Sanders as “unworkable” as President Biden’s administration seeks a transition from Israel and works to ensure support at home and abroad against a stirring backlash to the scenes of destruction from Gaza.

Democratic Sen. Ben Cardin, the chairman of the Foreign Relations Committee, moved to table the measure, arguing it is “counterproductive” and would make it more difficult for the U.S. to prevent escalation of the expanding conflict.

“We do not believe that this resolution is the right vehicle to address these issues. And we don’t think now is the right time. It’s unworkable, quite frankly,” said a statement from the White House National Security Council’s John Kirby.

“The Israelis have indicated they are preparing to transition their operations to a much lower intensity. And we believe that transition will be helpful both in terms of reducing civilian casualties, as well as increasing humanitarian assistance,” Kirby said.

With repeated overtures to Israel Prime Minister Benjamin Netanyahu’s government, including shuttle diplomacy last week by U.S. Secretary of State Antony Blinken, the Biden administration is pushing Israel to shift the intensity of the battle. Some 24,000 people in Gaza, the majority of them women and children, have been killed, according to the territory’s Hamas-run Gaza Health Ministry, and the bombings have destroyed most of the housing units, displacing most of its 2.3 million people in a humanitarian catastrophe.

The Senate action comes as Biden’s request for $106 billion supplemental national security aid for Israel as well as Ukraine and other military needs is at a standstill. Republicans in Congress are insisting on attaching vast policy changes to stop the flow of immigration at the U.S.-Mexico border.

Of that supplemental aid package, more than $14 billion would go to Israel, including $10 billion in U.S. military assistance, as it retaliates against Hamas for the Oct. 7 surprise attack, among the most deadly assaults ever. Some 1,200 people were killed and 250 taken hostage, many still being held.

Several key Democratic senators have announced their unease with Israel’s war in Gaza, insisting the Biden administration must do more to push the Netanyahu government to reduce civilian casualties and improve living conditions for Palestinians in Gaza.

Going further, Sanders had already announced his refusal to support more military aid to Israel in the package because of the war.

“The time is now for the U.S. Senate to act,” Sanders said ahead of the vote, which he vowed was “just the beginning” of his efforts to limit the war’s devastation.

Heading toward the vote, Sanders said, what he’s trying to do is unprecedented in procedure, and essentially in practice.

“The Congress has always been supportive of Israel in general, and this begins to question the nature of the military campaign.” Sanders said.

The resolution is drawn from the Foreign Assistance Act of 1961, which was amended after the Nixon era, enabling Congress to provide oversight of U.S. military assistance abroad. It requires that any arms or military aid must be used in accordance with international human rights accords.

While senators have voted to try to halt foreign arms sales to other countries in the past, this is an untested mechanism.

The question before the Senate will be whether to ask the State Department for a report on whether human rights violations using U.S. equipment may have occurred during Israel’s current campaign against Gaza, according to Sanders’ office.

If the resolution were to be approved, it would force the State Department to produce a report of its findings within 30 days or risk the aid being cut off.



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Is a reverse mortgage or home equity loan better for seniors? Experts weigh in

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Home loan / reverse mortgage or transforming assets into cash concept : House model, US dollar notes on a simple balance scale, depicts a homeowner or a borrower turns properties / residence into cash
Whether or reverse mortgage or a home equity loan makes more sense for seniors depends on the circumstances. 

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Record-high inflation in the post-pandemic era has been challenging for many Americans, but retirees often face added struggles as prices rise since many are on a fixed income. That’s why it comes as no surprise that 59% of retirees expressed concerns about their financial security, according to a survey conducted by MedicareFAQ

The good news is that many seniors have a significant source of funds to draw from in their home equity. In fact, for seniors 65 and over, the median value of their home equity is $250,000. That’s a 47% increase in the value of equity since before the pandemic. 

Older Americans who need extra funds can tap this equity to help make ends meet, and they have different ways to do it including a home equity loan and a reverse mortgage. There are important differences between home equity loans vs. reverse mortgages, though, so retirees must do more than just compare today’s home equity interest rates to decide which is best.

This guide will help you understand when a reverse mortgage makes sense and when you should opt for a home equity loan instead. 

Find out more about your home equity loan options here.

When a reverse mortgage is better for seniors 

Reverse mortgages use your home as collateral, just as traditional mortgage loans do — but they work very differently. That’s because you don’t send in monthly payments with a reverse mortgage. Instead, your lender sends money to you and your loan balance grows each month. When you pass away or move, the reverse mortgage must be paid back.

“A reverse mortgage is intended for borrowers over age 62 that are not able to afford their monthly payments using their current retirement income and need additional income to help with their responsibilities,” says Lisa Gaffikin, a home loan specialist at Churchill Mortgage. 

Gaffikin says that if you have limited income, you may not qualify for a traditional home equity loan but a reverse mortgage could be an option. You’ll get to stay in your home without adding to your monthly obligations, while also being able to supplement your current income. 

You do need to have sufficient equity in your home though, and will need to follow requirements including continuing to maintain the property over time. 

“Reverse mortgages are ideal for seniors who are house-rich but cash-poor,” says Josh Lewis, a certified mortgage consultant and host of The Educated Homebuyer. 

Lewis also addressed a common concern seniors have about reverse mortgages: the ability to leave property to loved ones when you pass away, which could be impacted by the fact the loan must be paid upon your death. 

“There’s a misconception that you won’t have a home to leave to your heirs but that is not true,” Lewis says. “You’ll have a home, but the equity your heirs inherit will depend on how long you live and how your home appreciates over time. It’s truly no different than inheriting a home with a traditional mortgage, except the loan balance will need to be paid off through a refinance or sale within six to 12 months of the homeowner’s passing.”

Learn about how a home equity loan could benefit you today.

When a home equity loan is better for seniors

Home equity loans work differently than reverse mortgages. You’ll still need equity and must use your home as collateral, but you receive the borrowed funds upfront when you take out the loan and you must start making payments on the debt immediately. 

“Home equity loans are ideal when you need a lump sum and can handle monthly payments,” Lewis says. “With lower upfront costs and typically lower interest rates, they’re perfect if you want to keep building equity and might sell or pass on your home soon. This option works well for those with a steady income who are looking to borrow for a specific purpose.” 

The key thing to remember, though, is that you must qualify by showing the lender you have enough money to afford the loan payments and you must be able to make those payments for the duration of the loan term. This isn’t always easy when you need extra cash. 

“A home equity loan might be a better option if the homeowner is not struggling to make current payments and only needs equity from the home to consolidate non-property debts or to lower monthly expenses for liabilities with higher interest rates,” Gaffikin says. “If the borrower is comfortable with their housing expenses and can make the current housing-related payments and the new home equity loan payment, a home equity loan might very well be the best choice.”

Gaffikin recommends looking at your full financial picture and considering the long-term implications of your decision when deciding which is right for you.

The bottom line

Ultimately, if you want to access equity with no monthly payments and are OK with leaving less equity to your heirs, a reverse mortgage is likely the better option and you should shop carefully to find the best reverse mortgage companies to minimize interest and fees. If you’d rather pay back your loan during your lifetime and can afford it, a HELOC is the better choice. 



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New York Liberty celebrated with ticker-tape parade after historic WNBA championship

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New York Liberty celebrated with ticker-tape parade after historic WNBA championship – CBS News


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Fans flooded Manhattan’s Canyon of Heroes to cheer on the New York Liberty after their thrilling OT victory over the Minnesota Lynx. Star players celebrated with thousands, marking a historic moment for the franchise.

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“Kindness 101” shows how a group of fifth graders is teaching resourcefulness

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“Kindness 101” shows how a group of fifth graders is teaching resourcefulness – CBS News


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A group of fifth graders on a Minnesota playground share a lesson in resourcefulness in Steve Hartman’s “Kindness 101” series.

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