(Column) No veteran should go hungry

According to U. S. government data and recent policy studies, nearly 25% of America’s veterans live either below the federal poverty level or paycheck to paycheck, with little margin for unexpected expenses. To get by, many adopt emergency-level budgets. But even the harshest austerity measures may not be enough. Life at the bottom still costs money. Mortgages and rent must be paid. Vehicles are needed to reach work or medical appointments. So, what can be cut? Too often, it’s food-eating less or sacrificing nutrition. Tragically, many veterans and their families face this choice every day. The latest data from the U. S. Department of Agriculture shows that 7. 5% of veterans-about 1. 5 million-are hungry or food insecure. The Department of Veterans Affairs (VA) reports that those ages 65-74 are now most at risk, a shift from only a few years ago when 55- to 64-year-olds faced the highest rates. The picture grows bleaker within subgroups. Nearly 1 in 5 women veterans, many raising children, report food insecurity. More than a third of disabled working-age veterans struggle to feed themselves. These aren’t abstractions-they’re neighbors, family and friends. VA disability benefits are often treated as unearned income for the purposes of means testing in some federal programs. But these benefits were never meant to be treated as a paycheck. They were designed to offset the extra costs of living with a disability. In programs where they are counted toward income limits, this classification can unfairly block many veterans from receiving assistance through programs like the Supplemental Nutrition Assistance Program, or SNAP. SNAP can provide essential short-term relief, adding protein, vegetables, and fruit to meals. Yet because disability benefits often push veterans over the income threshold too many are excluded. According to RAND, only 4. 9% of food-insecure veterans in the U. S. received SNAP assistance in 2023. It is a failure of our system when individuals who served this country bravely and honorably-so that others could pursue the American dream-now face malnutrition and hunger. On Veterans Day, crowds gather to give speeches and host parades honoring those who wore the uniform with fierce pride. But veterans can’t eat their pride. On Thanksgiving, we sit down to abundant meals of turkey, vegetables, and homemade desserts, raising a toast to those who secured our freedoms. But veterans can’t eat our thanks. Rather than simply thanking veterans for their service, we can show our gratitude through meaningful action. Immediate steps taken today can make a difference-from supporting or volunteering with trusted organizations like DAV’s Volunteer for Veterans program, to helping at local veteran food pantries and nutrition centers, or urging elected officials to ensure veterans and their families do not go hungry through efforts like DAV’s Commander’s Action Network. These frontline actions have a direct and lasting impact on veterans’ lives. Veterans stood up for us; now it’s our turn to stand up for them. Through awareness, advocacy, and community support, we can work toward a future where all veterans live safe, healthy lives-free from hunger. Now that’s something to give thanks for. Coleman Nee is a service-connected disabled Marine veteran currently serving as National Commander of DAV (Disabled American Veterans). He previously held positions as Massachusetts Secretary of Veterans’ Services and on DAV’s National Executive Committee.
https://enewscourier.com/2025/11/22/column-no-veteran-should-go-hungry/

Michael Saylor Reaffirms Bitcoin Commitment as MSCI Scrutiny Continues

TLDR Michael Saylor defends Strategy’s Bitcoin-backed treasury model amid MSCI scrutiny. Strategy launched TRC, a Bitcoin-backed treasury credit offering with monthly yields. Saylor stresses Strategy is a software company, not a fund or trust, despite MSCI concerns. MSCI may remove Strategy from major indices over Bitcoin treasury classification. 💥 Find the Next KnockoutStock! Get live prices, charts, and KO Scores from KnockoutStocks. com, the data-driven platform ranking every stock by quality and breakout potential. Michael Saylor, executive chairman of Strategy, recently reaffirmed his company’s commitment to Bitcoin as it faces scrutiny from MSCI over its inclusion in major indices. Saylor emphasized that Strategy is not a fund, trust, or holding company, despite MSCI’s classification of firms with large Bitcoin holdings as such. This comes amid concerns that Strategy’s heavy Bitcoin reserves might lead to its exclusion from indices like the Nasdaq 100. Strategy’s Bitcoin-Focused Approach Saylor clarified that Strategy operates as a publicly traded company with a $500 million software business. He explained that the company uses Bitcoin as productive capital, a unique treasury strategy. Unlike passive investment funds or holding companies, which simply hold assets, Strategy actively creates, structures, issues, and operates its business model. Saylor highlighted the company’s achievements this year, including five public offerings of digital credit securities, totaling over $7. 7 billion in notional value. The most recent offering, STRE, raised $704 million to further purchase Bitcoin. Bitcoin-Backed Treasury Instruments Saylor also highlighted the recent launch of Stretch, a Bitcoin-backed treasury credit instrument. This innovative product provides institutional and retail investors with a variable monthly USD yield. Stretch represents a significant step for the company in its goal to integrate Bitcoin into the financial mainstream. With this product, Strategy aims to bring Bitcoin-backed financial instruments to a wider market, distinguishing itself from typical investment vehicles that passively hold assets. MSCI’s Review and Potential Consequences MSCI, a global index provider, has initiated a consultation to review whether companies like Strategy, which hold over 50% of their reserves in Bitcoin, should remain eligible for inclusion in major indices. Investment funds and trusts, which typically hold assets without actively managing them, are not eligible for inclusion in indices such as the MSCI USA and MSCI World indices. If MSCI decides that companies with Bitcoin-heavy reserves resemble investment funds, Strategy may face removal from such indices. Saylor remained confident about his company’s long-term strategy. In a statement posted on X (formerly Twitter), he reiterated that Strategy’s focus on innovation in both capital markets and software is what sets it apart. He also stressed that index classification does not define the company’s mission, which is to build a digital monetary institution based on sound money principles and financial innovation. Stock Performance Amid Concerns Amid these ongoing discussions, Strategy’s stock has seen a decline. Data from TradingView shows that the stock is currently trading around $174, down almost 2% on the day and over 11% in the past five days. Despite this, Saylor remains firm in his stance that the company’s strategy is long-term, with a clear commitment to Bitcoin as a cornerstone of its financial model. MSCI is expected to make a final decision on its review by January 15, 2025. The outcome will determine whether Strategy will remain on key indices or face removal due to its Bitcoin-centric approach.
https://coincentral.com/michael-saylor-reaffirms-bitcoin-commitment-as-msci-scrutiny-continues/

FPA Global Equity ETF Q3 2025 Commentary

**FPA Global Equity ETF Q3 2025 Commentary — November 17, 2025**

*Published at 4:15 AM*

**Overview of Performance**

The FPA Global Equity ETF (FPAG) delivered a strong performance in the third quarter of 2025, with a net gain of **5.70%**. Over the trailing twelve months, the ETF’s return was nearly double, at **19.94%**.

In the past year, FPAG captured approximately **106.0%** of the MSCI ACWI’s return, highlighting its active management and selective investment approach.

**Top Performers and Sector Insights**

The ETF’s top five contributors added a combined **5.94%** to its quarterly return and **11.17%** to its twelve-month performance. Among these, **International Flavors & Fragrances** stands out as a leading producer of ingredients used across food, beverage, personal care, health, and household products industries.

Looking at sector allocations based on GICS classifications, the fund’s largest sectors as of this period are:

– **Communication Services:** 19.7%
– **Industrials:** 13.7%
– **Consumer Discretionary:** 12.4%

**Firm Background**

FPA is a Los Angeles-based institutional investment firm renowned for its disciplined value investing approach. The firm aims to generate superior long-term returns for its clients while prioritizing capital preservation.

**Contact and Additional Information**

For inquiries or further communication, please reach out through FPA’s official channels.

**Disclaimer:** This article was written by 31 followers. Please review all investment information carefully and consult with a financial advisor before making any investment decisions.

*Comments and discussions are encouraged. Stay informed with FPA’s latest insights and market analysis.*
https://seekingalpha.com/article/4844522-fpa-global-equity-etf-q3-2025-commentary?source=feed_all_articles

CGHS rates revised after 15 years: How it affects you

**CGHS Rates Revised After 15 Years: How It Affects You**
*By Mudit Dube | Oct 06, 2025, 05:28 PM*

**What’s the Story?**

The Union Health Ministry has announced a significant overhaul of the Central Government Health Services (CGHS) scheme for the first time since 2014. The revised rates for nearly 2,000 medical procedures will come into effect from October 13, 2025.

This new rate structure takes into account several important factors, including accreditation status, hospital type, city classification, and ward entitlement, aiming to better reflect current healthcare realities.

**Scheme Revamp: Addressing Complaints from Beneficiaries and Hospitals**

The revision comes amid growing complaints from CGHS beneficiaries about the denial of cashless treatment by empanelled hospitals. Many patients reported having to pay out of pocket and then wait months for reimbursement.

Hospitals, meanwhile, argued that the government-set package rates had become outdated and failed to keep pace with medical inflation over the past 11 years.

The newly introduced multi-dimensional rate structure seeks to address these issues, ensuring fair compensation for hospitals and smoother access to cashless treatment for patients.

**New Rate Structure: Based on Ward Entitlement**

The revised framework applies to all categories of CGHS cardholders, with rates anchored to the cost of a semi-private room, which serves as the base package rate.

– **General Ward Entitlement**: A 5% reduction in rates applies.
– **Private Ward Entitlement**: Rates increase by 5% compared to the base.

Additionally, consultations at hospitals and healthcare organizations accredited by NABH or NABL will be charged at the standard base rate. Non-accredited healthcare organizations will have rates 15% lower than those for accredited hospitals.

**City-Wise Rate Variations Introduced**

To accommodate geographical cost differences, the scheme now includes tier-wise rate variations for CGHS-empanelled hospitals located in Tier I, II, and III cities:

– Rates in **Tier II cities** will be 10% lower than in Tier I.
– Rates in **Tier III cities** will be 20% lower than in Tier I.

However, rates for radiotherapy, investigations, day-care procedures, and minor procedures that do not require hospital admission will remain consistent across all ward entitlements and city classifications.

**Beneficiary Coverage and Implementation**

CGHS primarily serves central government employees, pensioners, and their dependent family members. As of October 5, 2025, the scheme covers approximately 4.26 million beneficiaries across 80 cities in India.

The Union Health Ministry has instructed all healthcare organizations under the CGHS network to submit an undertaking confirming their acceptance of the new rates’ terms and conditions by October 13. Failure to comply will result in de-paneling from the scheme.

**What This Means for You**

If you are a CGHS beneficiary, the revised rates could affect the costs associated with your medical procedures depending on your ward entitlement, your city, and the accreditation status of the hospital you visit.

For hospitals and healthcare providers, accepting the new terms is mandatory to continue serving CGHS patients and to receive government reimbursements under the updated framework.

Stay informed and check with your CGHS-appointed healthcare provider about how these changes may impact your access to services and reimbursements going forward.
https://www.newsbytesapp.com/news/business/new-cghs-rate-structure-effective-from-october-13/story