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- 2025-01-23 Author: Hua Erjun Source: http://admin.turflak.no/cpresources/twentytwentyfive/
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Virginia state Sen. Barbara Favola thinks it makes sense to have Standards of Learning tests available in other languages. The Arlington Democrat says this will help evaluate how Virginia students learning English as a second language are doing with other core classes. She’s introducing a bill requiring the state Department of Education to develop SOL tests in languages besides English. The aim is to help teachers pinpoint where a child may be struggling to get a concept down — whether, for instance, flubbing an arithmetic word problem is a matter of not multiplying or dividing numbers correctly or not reading English well enough to understand the problem. “This is a way to help school systems see what they need, if curriculum needs changing, how a student is doing and what they need,” Favola said. The purpose of SOL tests is to see if students are meeting the goals the state Board of Education sets for what they need to learn, the state Department of Education says. The tests begin in third grade, and high school students need to pass SOL tests for English and other required courses in order to graduate. In Virginia schools, “children are going to learn English, gain mastery," Favola siad. "This is not about preferring another language." “Schools are among the first institutions families touch when they arrive in the United States, but how will a school system assess where a child is before they’ve achieved English mastery?” she said. Making SOL tests more useful is a concern of the state Senate’s only teacher, Schuyler VanValkenburg, a Henrico Democrat who is also planning a bill that aims to do that. “The short answer is: No,” VanValkenburg said when asked whether teachers he knows are able to use students’ SOL test results to focus the help they give individual students who may be having trouble with a concept. “The problem isn’t testing. It’s poor testing,” he said. One issue that’s a particular problem for students still learning English and those with special needs is that many SOL tests are based on multiple choice questions. That puts a premium on rote memorization instead of writing and analysis, he said. Another is a lack of transparency. “There’ll be 40 questions for the whole span of U.S. history, but what they’ll ask about we don’t know,” VanValkenburg said. In New York, which also requires passing statewide tests to graduate from high school, the same questions come up year after year, said VanValkenburg, who grew up in upstate New York. “It’s not about gotcha. It’s about saying this is what’s important,” he said of the New York approach. The summaries Virginia teachers receive of their students’ SOL test results do not contain information specific enough to be of much use, he said. Favola’s bill does not specify which languages to use in SOL testing, but she said Spanish, Korean, Vietnamese, Chinese and Hindi were possibilities. Favola is also introducing legislation that expands on her 2024 legislation that bans using search warrants, subpoenas or court orders for information related to menstrual health data. The new measure says obtaining, disclosing and selling reproductive health or sexual health information without the consent of a consumer violates the Virginia Consumer Protection Act. The bill protects information about pregnancy, abortion, purchases of contraceptives, sexual disease, menstruation and sexual activity. Commonwealth’s attorneys and the attorney general can seek fines for violations of the act, but the law also provides that individuals can sue to recover damages. Courts can award treble damages, or three times the compensatory damages, for willful violations. Dave Ress (804) 649-6948 dress@timesdispatch.com Stay up-to-date on the latest in local and national government and political topics with our newsletter.NFL Week 12 grades: Cowboys earn high mark for shocking win over Commanders, Giants get an 'F' after ugly losscasino game no deposit 。summary: casino game no deposit .
WASHINGTON — Treasury Secretary Janet Yellen said her agency will need to start taking “extraordinary measures,” or special accounting maneuvers intended to prevent the nation from hitting the debt ceiling , as early as January 14, in a letter sent to congressional leaders Friday afternoon. "Treasury expects to hit the statutory debt ceiling between January 14 and January 23," she wrote in a letter addressed to House and Senate leadership, at which point extraordinary measures would be used to prevent the government from breaching the nation's debt ceiling — which was suspended until Jan. 1, 2025. The department in the past deployed what are known as “extraordinary measures” or accounting maneuvers to keep the government operating. Once those measures run out, the government risks defaulting on its debt unless lawmakers and the president agree to lift the limit on the U.S. government’s ability to borrow. "I respectfully urge Congress to act to protect the full faith and credit of the United States," Yellen said. FILE - U.S. Treasury Secretary Janet Yellen speaks during a visit to the Financial Crimes Enforcement Network (FinCEN) in Vienna, Va., on Jan. 8, 2024. (AP Photo/Susan Walsh, File) The news came after Democratic President Joe Biden signed a bill into law last week that averted a government shutdown but did not include Republican President-elect Donald Trump’s core debt demand to raise or suspend the nation’s debt limit. Congress approved the bill only after a fierce internal debate among Republicans over how to handle Trump's demand. “Anything else is a betrayal of our country,” Trump said in a statement. After a protracted debate in the summer of 2023 over how to fund the government, policymakers crafted the Fiscal Responsibility Act, which included suspending the nation's $31.4 trillion borrowing authority until Jan. 1, 2025. Notably however, Yellen said, on Jan. 2 the debt is projected to temporarily decrease due to a scheduled redemption of nonmarketable securities held by a federal trust fund associated with Medicare payments. As a result, “Treasury does not expect that it will be necessary to start taking extraordinary measures on January 2 to prevent the United States from defaulting on its obligations," she said. The federal debt stands at about $36 trillion — after ballooning across both Republican and Democratic administrations. The spike in inflation after the COVID-19 pandemic pushed up government borrowing costs such that debt service next year will exceed spending on national security. Republicans, who will have full control of the White House, House and Senate in the new year, have big plans to extend Trump's 2017 tax cuts and other priorities but are debating over how to pay for them. Many consumers may remember receiving their first credit card, either years ago in a plain envelope, or months ago from a smartphone app. Still other consumers may remember their newest card, maybe because it's the credit card they're now using exclusively to maximize cash back rewards or airline miles. But for most consumers, there's also a murky in-between where they add, drop and generally accumulate credit cards over time. Over the years, consumers may close some credit card accounts or leave some of their credit cards dormant as a backup form of payment, or perhaps left forgotten in a desk drawer. In the data below, Experian reveals the changes in consumers wallets in recent years. U.S. consumers, on average, carry fewer cards today than they did in 2017, when the typical wallet held 4.2 active credit cards. As of the third quarter (Q3) of 2023, consumers carried 3.9 cards on average. This average is up slightly since the early days of the pandemic, when consumers reduced their average credit card debt and number of accounts as the economy slowed. As Experian revealed earlier this year, credit card balances are still climbing, despite (and partially because of) higher interest rates. And while average balances are increasing, they are spread across fewer accounts than in recent years. Alternative financing—including buy now, pay later plans for purchases—may account for at least some of this discrepancy, as consumers gravitate toward these newer financing methods. In general, residents of higher-population states tend to carry more credit cards than those who live in states with fewer and smaller population centers. Nonetheless, the difference between the states is relatively small. Considering that the national average is around four credit cards per consumer, the four states with the fewest cards per consumer (Alaska, South Dakota, Vermont and Wyoming) aren't appreciably different, with "only" about 3.3 credit cards per consumer. Similarly, the four states on the higher end of the scale where consumers have 4.2 or more credit cards are Connecticut, Delaware, Florida, New Jersey and Rhode Island. The disparity in average credit card counts is more apparent when the population is segmented by age, thanks in part to Generation Z, many of whom have yet to receive their first credit card. The average number of credit cards for these consumers was two, less than half of what older generations keep on hand. The average number of credit cards held by each generation follows the familiar pattern seen in credit card balances, which tend to increase in a consumer's middle age. It's not surprising that the number of credit card accounts follows a similar climb throughout young adulthood and middle age, then drops off in the retirement years. No matter how many credit cards you may have at the moment, keep in mind that the number of accounts has little if any bearing on one's FICO Score. Far more important is how consumers manage those accounts. This is easily demonstrable by quickly stepping through some of the factors that affect your credit scores . Longer credit histories do tend to have a positive effect on a consumer's credit score, but it's not something you can rush. Adhering to on-time payments and managing amounts owed will go far in improving credit scores, even absent a lengthy credit history. While accounts closed in good standing remain on your credit report for 10 years, canceling your oldest credit card account still has the potential to shorten your credit history when it is eventually removed. The impact of its removal depends on any other active credit cards in your credit file. Ultimately, the number of cards a particular individual carries is a personal decision. Justifications can be found for carrying a travel rewards card, a cash back card, a balance transfer card, a card for business transactions and other types of credit cards that other consumers may not have either the need or qualifications for. However, keeping track of numerous credit cards, whether or not a consumer is actively using all of them, can be a mentally taxing exercise. Not only that, credit card fees can add up and dull the benefit of carrying several credit cards. Organized consumers can benefit greatly from a wallet full of specialized cards, but for those seeking a more zen-like financial future, some judicial pruning may be in order. Methodology: The analysis results provided are based on an Experian-created statistically relevant aggregate sampling of our consumer credit database that may include use of the FICO Score 8 version. Different sampling parameters may generate different findings compared with other similar analysis. Analyzed credit data did not contain personal identification information. Metro areas group counties and cities into specific geographic areas for population censuses and compilations of related statistical data. This story was produced by Experian and reviewed and distributed by Stacker Media. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
Percentages: FG .356, FT .667. 3-Point Goals: 4-21, .190 (N.Tarke 3-9, Sulaiman 1-3, Hicks 0-1, May 0-2, Williamson 0-6). Team Rebounds: 7. Team Turnovers: None. Blocked Shots: 2 (Lowery, Sulaiman). Turnovers: 12 (Sulaiman 5, N.Tarke 4, Jones 2, Williamson). Steals: 6 (N.Tarke 2, Embeya, Lowery, May, Samb). Technical Fouls: None. Percentages: FG .396, FT .696. 3-Point Goals: 2-12, .167 (Hobbs 2-5, Lawson 0-1, Thomas 0-1, Oliver 0-2, Tabbs 0-3). Team Rebounds: 8. Team Turnovers: None. Blocked Shots: 5 (Martin 2, Simpkins 2, Akitoby). Turnovers: 9 (Martin 3, Simpkins 3, Akitoby, Hobbs, Lawson). Steals: 10 (Simpkins 3, Oliver 2, Tabbs 2, Thomas 2, Lawson). Technical Fouls: None. .
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