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Wednesday, November 30, 2022

How Cities Around the US and Abroad Approach Homelessness - The New York Times

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New York City officials plan to remove mentally ill people from streets and subways. Here’s a quick look at how other cities and countries approach the issue of support for homeless people.

When Mayor Eric Adams of New York City announced on Tuesday a major push to remove people with severe, untreated mental illness from the streets, he waded into an issue that has for years been driving policy — and frustrating policymakers — in cities around the United States and the rest of the world.

Here is a snapshot of a few places where the authorities have been trying to recalibrate their support services for homeless people, including those with mental illnesses.

Mental health care for homeless people has been a legal quandary for more than a half-century in California, dating to a national shift toward deinstitutionalization and a 1967 law — signed by Ronald Reagan, then the state’s governor — that was intended to safeguard the civil rights of Californians who were mentally ill.

The state has spent tens of billions of dollars on homelessness, but efforts have been stymied both by neighborhoods that resist construction of shelters and supportive housing and by structural issues that, for example, make cities responsible for housing and sheltering homeless people, but put counties in charge of the public funding required to provide those who are mentally ill with continuing treatment.

Jenna Schoenefeld for The New York Times

A law signed this year by Gov. Gavin Newsom aims to force some severely mentally ill people into court-ordered treatment and housing, but it will only apply to about 12,000 people with schizophrenia and other serious psychotic disorders, not all of them homeless, and will not start until next year.

There are close to 42,000 homeless people in Los Angeles, a majority of them unsheltered, according to recent county data. About a quarter of homeless adults identified as having a serious mental illness, according to the report. Under a county-run program, psychiatrists work in the streets to connect unsheltered mentally ill homeless people to care.

Frustration over the city’s homelessness crisis has reached a boiling point. Officials have banned public camping at dozens of sites, as well as within 500 feet of schools and day care centers. City officials have also become increasingly willing to use police force to clear makeshift campsites, and the newly elected mayor, Karen Bass, has vowed to end them.

Jim Wilson/The New York Times

In San Francisco, a patchwork of programs offers those who are mentally ill and sleeping on the streets respite, shelter and treatment. But experts say that without enough medical workers or housing, those programs often fall dismally short of the need.

“There just isn’t enough of it,” said Margot Kushel, a physician and the director of the Benioff Homelessness and Housing Initiative, a research group that advises policymakers and is based at the University of California, San Francisco. “Without the housing, it all falls apart.”

In Chicago, homelessness is an endemic problem that has become more visible since the pandemic, particularly as encampments have grown under viaducts near Lake Michigan and in parks throughout the city.

But advocates for the homeless say that they have never heard of city employees — from the police department or elsewhere — sending homeless people to hospitals against their will in the manner that Mr. Adams laid out on Tuesday.

“The police are not looking to involuntarily hospitalize people who are not a danger to others,” said Debbie Pavick, chief clinical officer for Thresholds, a nonprofit behavioral health organization that works with homeless people.

Nolis Anderson for The New York Times

Instead, city employees and nonprofit providers work to connect homeless people with services and housing. Thresholds deploys mobile teams of workers in vans to try to engage the homeless and help them to receive primary health care, mental health treatment and medication, among other services, Ms. Pavick said.

In Portland, concerns about homelessness and safety were at the center of recent campaigns for both local and state offices, and the city has now advanced a contentious plan to ban street camping, hoping eventually to direct people who do not have housing into a series of city-run tent sites.

The city has also moved to get more homeless people into mental health care. The region’s capacity for mental health services has long been strained. Two months ago, three hospital systems sued the state, saying that people who were civilly committed because they were a danger to themselves or others ended up languishing in hospitals for months instead of being placed in long-term treatment, such as at the state psychiatric hospital.

Tina Kotek, a Democrat who recently won the governor’s race, has vowed to pursue policies to build more housing, increase the number of people who work with homeless populations, and expand services for those experiencing a mental health crisis.

In East Asian cities, homelessness tends to be far less common than it is in the United States. But the problem does exist, and in some places it worsened during the pandemic as some of the working poor were unable afford housing in expensive real estate markets.

Hong Kong, a Chinese territory with high rates of inequality, is one of several East Asian cities where homeless people have for years sheltered in plain sight, including at 24-hour McDonald’s restaurants. The number of people registered as “street sleepers” in the territory roughly doubled over a seven-year period, to more than 1,500 last year, according to a government report — slightly more than the reported figure in Singapore, another wealthy banking hub in the region.

Lam Yik Fei for The New York Times

Data on mental health issues among Hong Kong’s homeless population is scarce. A widely cited 2015 academic survey of 97 homeless people found that more than half suffered from a mental illness — and that most were not receiving psychiatric care.

Hong Kong typically provides subsidized hostels for stays of up to six months, but social workers and other experts have said that the time limit should be extended. They have also asked the government to invest more in public housing and to stop clearing homeless encampments in parks and other public places.

Homelessness in London and other parts of England has been on the rise in the past decade, a product of a broader housing crisis in the country that has been exacerbated by surging property and rental prices in the capital.

There were signs that the trend was beginning to reverse course in recent years, most markedly during the pandemic, when the government mandated that local councils provide emergency accommodation to people living on the streets. From fall 2019 to fall 2020, the number of people “rough sleeping” in London on any given night dropped by 44 percent.

Those gains could be short-lived. As Britain battles soaring inflation and rising fuel costs that threaten to worsen a cost-of-living crisis, homelessness appears to be back on the rise.

Finbarr O'Reilly for The New York Times

According to official data, the number of people sleeping on the streets of London from July to September this year increased by almost 25 percent, compared with the same period last year. More than half were doing so for the first time.

With housing advocates raising alarms as winter approaches, Sadiq Khan, the mayor of London, has called on the central government to enact a raft of measures, including freezing private sector rents.

The capital this year committed about 36.6 million pounds, or about $43.8 million, toward ending street homelessness. When temperatures are forecast to drop below freezing in the city, a protocol allows charities and councils to open more emergency shelters.

The British government said in September that in an effort to tackle homelessness it would commit £2 billion on resources such as more beds, alcohol and drug treatment programs and support staff to improve access to mental health services and to help people find jobs.

Homelessness has soared in Nairobi, the Kenyan capital, in recent years, especially among children. By most estimates, at least 250,000 people in the city of more than four million live without proper shelter, including tens of thousands of youngsters who eke out a precarious existence on the streets. The homeless population includes orphans and children fleeing conflict in neighboring countries, as well as women escaping domestic abuse.

Tony Karumba/Agence France-Presse — Getty Images

Their plight was highlighted recently when Johnson Sakaja, the recently elected Nairobi governor, met a homeless boy during a visit to a roadworks project and vowed to put him through school. “This young man touched my heart,” Mr. Sakaja said.

The authorities are not always so caring. Homelessness is linked to the city’s vast shanty towns, among the largest in Africa, which are built on public or disputed land. Forced evictions are common. In 2020, police officers evicted 7,000 people from shanty areas in the city, leaving them homeless at the height of the Covid-19 pandemic.

Human rights groups have accused the police of using excessive force against homeless people, including extrajudicial killings. In 2019, Human Rights Watch accused Nairobi police officers of unlawfully killing at least 21 men and boys, some homeless, in the Dandora and Mathare neighborhoods.

Despite soaring rents and home prices, Australia’s largest city has managed to significantly reduce homelessness over the past five years through programs that combine immediate intervention with public and nonprofit services that include long-term follow-up.

Homelessness has been gradually declining in Sydney ever since the introduction of the Supported Transition and Engagement Program in 2018, which rapidly rehouses the homeless while also providing drug and alcohol counseling, health care and crisis support. In February 2017, the City of Sydney’s count tallied 433 “rough sleepers” on the streets. This year, in a city of 5.3 million people, that figure had been reduced to 225.

Cameron Spencer/Getty Images

In part, Sydney has built on the strength of its pandemic response. With help from the police, who are empowered under a 2002 law to move people on from public places if they harass anyone or cause others to be fearful, the government paid for homeless people to stay in hotels and affordable apartments as Covid started to peak in 2020. Social service groups connected with the population at that point, helping to foster trust with those who were often difficult to engage.

Australia generally has also benefited from a stock of public housing that, while much smaller than that of many European countries, still houses nearly 4 percent of the population, compared to 1 percent in the United States. It’s not enough — the wait list for so-called social housing in Sydney and the state of New South Wales is 50,000 people long — but with nationalized health care and a robust welfare system, homelessness has not reached anywhere near the levels that can be found in New York or San Francisco, and the trend lines are going down not up.

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Monday, November 28, 2022

Pandemic Learning Loss - The New York Times

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The role remote education played.

Months into the current school year, most American students are still trying to make up for what they lost during the pandemic. This fall, we saw some of the clearest evidence yet of the extent to which the pandemic — and the school closures that came with it — hurt children’s education.

Nine-year-olds lost the equivalent of two decades of progress in math and reading, according to an authoritative national test. Fourth and eighth graders also recorded sweeping declines, particularly in math, with eighth-grade scores falling in 49 of 50 states.

The data comes from the National Assessment of Educational Progress, a rigorous exam that evaluates thousands of children across the country and is overseen by a research arm of the U.S. Education Department.

Today, I’ll break down the factors that drove these declines and explain an important trend that helps show why these results are so sobering.

First, to address one of the most common questions I hear as an education reporter: To what degree is remote learning responsible for these setbacks? The answer is both simple and complicated.

At a basic level, there is good evidence and a growing consensus that extended remote learning harmed students. Some state test results from 2021 help show the damage. In Ohio, researchers found that districts that stayed fully remote during the 2020-21 school year experienced declines up to three times greater than those of districts that mostly taught students in person.

More recently, the national test results capture both the initial academic declines and any recovery, and they offer some nuance. While there was a notable correlation between remote learning and declines in fourth-grade math, for example, there was little to no correlation in reading. Why the discrepancy? One explanation is that reading skills tend to be more influenced by parents and what happens at home, whereas math is more directly affected by what is taught in school.

So remote learning does not explain the whole story. What else does? In a sophisticated analysis of thousands of public school districts in 29 states, researchers at Harvard and Stanford Universities found that poverty played an even bigger role in academic declines during the pandemic.

“The poverty rate is very predictive of how much you lost,” Sean Reardon, an education professor at Stanford who helped lead the analysis, told me.

Comparing two California school districts, one wealthier and the other poorer, illustrates this point. Cupertino Union, a Silicon Valley school district where about 6 percent of students qualify for free or reduced lunch (a marker that researchers use to estimate poverty), spent nearly half of the 2020-21 school year remote. So did Merced City in the Central Valley, where nearly 80 percent of students are eligible for free or reduced lunch, according to the Harvard-Stanford analysis.

Yet despite spending roughly the same amount of time attending classes remotely, students in the wealthier Cupertino district actually gained ground in math, while students in poorer Merced City fell behind.

While the overall declines in student achievement were stark, the averages mask even deeper divergences between student groups. For example, Black and Hispanic students, who had started out behind white and Asian students in fourth-grade math, lost more ground than those groups during the pandemic.

Notably, the gap is also growing between the country’s highest-achieving students and low-performing students who struggle the most.

That gap — driven by declines among lower performers — was most clear for younger students and in reading. (Middle-school math declines were more significant across the board.)

In fourth grade, the average reading score on the national exam fell three points. But results for students in the top 90th percentile did not fall at all, while those for students in the bottom 10th percentile plunged six points, double the overall average.

In other words: The students who had the least ground to lose lost the most.

There may be a twofold explanation. Recent research from NWEA, a nonprofit academic assessment organization, found that students at the bottom of their classes both experienced sharper setbacks at the start of the pandemic and showed less improvement last school year.

I am sometimes asked: If the pandemic affected all students, how much does it matter? Isn’t everyone behind?

What the latest data affirmed is that while the pandemic affected all students, it did not affect all students equally. That was true with remote learning, and it is playing out now in recovery. The students who had the greatest needs coming into the pandemic have the steepest challenge — and will need the most help — in the future.

Related: On “The Daily,” I explained what schools can do to help students recover.

Kevin Frayer/Getty Images
  • China has witnessed its most defiant eruption of public anger in years, after a deadly apartment fire last week set off nationwide protests against Covid lockdowns.

  • Anger with Xi Jinping, China’s leader, helps explain how the demonstrations gained momentum.

  • Chinese spam flooded Twitter and obscured news about the protests, The Washington Post reported.

  • Gunmen in explosive vests stormed a hotel in Somalia, trapping government officials in an ongoing siege. The militant group Al Shabab claimed responsibility.

  • A small plane crashed into power lines in Maryland, injuring two people and knocking out electricity to roughly 117,000 customers.

  • Many developed countries have reduced roadway deaths, but the U.S. has failed to keep up.

  • “I simply wanted to save the family I found”: Another patron helped stop the shooter during the attack on an L.G.B.T.Q. nightclub in Colorado Springs.

  • Millions of people in Houston were told to boil drinking water and schools were closed after a power failure at a purification plant.

Gail Collins and Bret Stephens discuss gun violence.

Just ignore Donald Trump, Patti Davis, a daughter of Ronald Reagan, writes.

To protect patients, give older doctors competency assessments, Dr. Sandeep Jauhar writes.

Francesca Jones for The New York Times

Green transition: Oil and gas workers are finding jobs on Scotland’s wind farms.

Vows: They met in an elevator and danced their way to a “beautifully intoxicating” romance.

Metropolitan diary: The upside of a forgotten phone.

Quiz time: Take our latest news quiz, and share your score (the average was 9.4).

Advice from Wirecutter: The best advent calendars.

Lives Lived: Irene Cara was an Oscar-winning singer who performed the title tracks for “Flashdance” and “Fame.” She died at 63.

Eagles beat Packers: Philadelphia maintained the N.F.L.’s best record with a 40-33 win over the Packers late last night. Aaron Rodgers left the game with a rib injury.

No. 1 goes down: The Alabama men’s basketball team upset top-ranked North Carolina in four overtimes.

Amr Abdallah Dalsh/Reuters

Shock: Morocco upset Belgium, leading to riots in Brussels. And Canada is out after losing to Croatia. Manager John Herdman’s ill-fated bravado before the match proved disastrous.

Powers draw even: Germany kept its tournament hopes alive with a 1-1 tie against Spain.

Taking stock: Do all these upsets make for a more exciting tournament?

Protest battle: Iran called for the U.S. to be expelled from the competition over a social media post featuring an altered flag.

Photo collage: A V.I.P. entrance at Qatar’s showpiece stadium replaced a mural celebrating migrant workers.

Today: Cameroon is playing Serbia, and Brazil will face Switzerland this afternoon — though without its star, Neymar, who is injured. Here are the latest scores.

Place des FĂȘtes in Brooklyn.Karsten Moran for The New York Times

They’re popping up all over New York City. But what is a wine bar, anyway?

American wine bars used to be a novelty — a space for customers to learn about the intricacies of a bottle’s taste and production. They have evolved over the last few decades, finding success with a new formula: simple food, casual atmosphere, inexpensive wine by the glass.

This relaxed approach sets wine bars apart from restaurants. “Good wine bars are informal neighborhood gathering places rather than destinations, with occasional exceptions,” our critic Eric Asimov writes. Some of his favorite wine bars introduce new trends, like natural and orange wines.

For more: Eric picks New York’s best wine bars.

Peter DaSilva for The New York Times

Cacio e Pepe is simple but incredible.

Puerto Rican artists at the Whitney.

An “Unsolved Mysteries” reboot from an executive producer of “Stranger Things,” and six other shows to binge.

The pangram from yesterday’s Spelling Bee was workload. Here is today’s puzzle.

Here’s today’s Mini Crossword, and a clue: Moon goddess (four letters).

And here’s today’s Wordle. After, use our bot to get better.


Thanks for spending part of your morning with The Times. See you tomorrow.

P.S. Amanda Choy and Mantai Chow are joining Times Cooking to produce documentary-style videos.

Here’s today’s front page.

The Daily” is about the World Cup.

Matthew Cullen, Lauren Hard, Lauren Jackson, Claire Moses, Ian Prasad Philbrick, Tom Wright-Piersanti and Ashley Wu contributed to The Morning. You can reach the team at themorning@nytimes.com.

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Lucas: Choices - University of North Carolina Athletics - UNC Athletics

By Adam Lucas

A game like that calls for a postgame column like this.
            
Depending on how you choose to look at that game, we've got three different options for you. All of these are completely viable outlooks, and all are equally true. That's what happens when you watch a four-overtime basketball game. It's simply impossible to distill it to one underlying factor.
            
Column One: What an effort.
            
On Sunday afternoon, Hubert Davis finally got the effort and intensity for which he's been pleading.
            
The Tar Heels spent most of the game sprawling on the floor for loose balls and battling in the paint for better position in a physical game. The 103-101 quadruple overtime loss wasn't a case of giving less effort than Alabama.
            
That charge was led primarily by Puff Johnson, who had his best game as a Tar Heel and played a whopping 48 minutes. Johnson was the embodiment of what Davis has asked his team to do, best personified at the end of the first overtime in a tie game when he tracked down a loose ball and threw himself on the ball while calling timeout to give Carolina a chance to win.
            
That's just one of several Johnson plays that were magnificent—he also battled Alabama big man Charles Bediako for a rebound and forced a jump ball that gave possession to Carolina, scored off his own offensive rebound a minute later, snagged a key defensive rebound with three minutes left in the second half, got on the floor to force a jump ball and Tar Heel possession with 51 seconds left in regulation, blocked a shot early in the first overtime, and grabbed an offensive rebound and scored with 90 seconds left in the second overtime.
            
Those are only the highlight reel plays he made from the six-minute mark of the second half forward. 
            
Having Johnson healthy makes Carolina a better, more competitive team moving forward. 
            
Column Two: Missed opportunities.
            
In a game very reminiscent of the triple-overtime loss to Wake Forest during Roy Williams' first season at Carolina, the Tar Heels will walk away from Sunday frustrated with numerous missed chances to win the game outright.
            
On a day when Caleb Love and RJ Davis combined to take 60 shots, with Love attempting 36 (the most by a Tar Heel in 58 years) on his way to 34 points, making even one of the jump shots that missed would have changed the game. 
            
Two factors were working against the Tar Heels getting better shots: Alabama is a long, athletic team and Armando Bacot was limited by a gimpy ankle and sat on the bench for the final 11:54 of the game, meaning he missed all the third and fourth overtimes. Bacot's last basket came at the 3:32 mark of the second overtime off a nice dish from Love.
            
With Bacot out, ten of Carolina's final 11 shots were jump shots. Nine of those ten jumpers were missed.
            
The calendar says November 27, so it's probably not a surprise that the Tar Heels weren't perfect on their late-game execution and set plays. Of course, sometimes those struggles were due to some unexpected contact (grabbing Leaky Black around the arm to prevent a cut for a layup is not traditionally an approved defensive strategy). But sometimes they were simply bad choices or missed shots. 

The best chance to win probably came in the third overtime, when Carolina was bolstered by quality play from a fresh Pete Nance and took a 95-89 lead by driving to the rim repeatedly with under four minutes remaining. But playing without Bacot, the Tar Heels missed five straight shots—all jumpers, four of which were three-pointers—down the stretch and also uncharacteristically left a point on the table at the free throw line. That was enough to allow the Tide to force a fourth overtime.
            
Column Three: Lessons learned.
            
The coaching staff made sure the players spent significant time on tape review of Friday's loss to Iowa State, and there will be no shortage of tape from a Sunday game that essentially lasted three halves.
            
But what they're most likely to see is an incredibly frustrating loss that nevertheless provided a glimmer of hope. Maybe not in the immediate future—a road trip to a good Indiana team on Wednesday with a somewhat gimpy squad is daunting.
            
There were signs, however, that Davis may be finding some of his team's personality. The head coach constantly tells his players that he can't predict when they'll get an opportunity, and that it's up to them to maximize any chance they get. Everyone did that on Sunday. That goes all the way to Will Shaver, who scored his first points as a Tar Heel at the end of the first half by sinking two free throws. In such a close game, those shots mattered.
            
Shaver's classmate, Seth Trimble, did not play a single minute in the second half or the first three overtimes. But then, after a head-scratching officiating sequence with 9.3 seconds left and Alabama holding a one-point lead, Davis summoned Trimble for defense. He responded by singlehandedly forcing a turnover with a diving effort that left him bloody.
            
Trimble didn't get credit for a steal on the play, but it's a moment that will linger. It wasn't just the bench. Mortals among us don't appreciate what it takes to play 57 minutes (Caleb Love) in a college basketball game, or 54 (Leaky Black) or 51 (RJ Davis). The team had already scheduled to stay in Portland on Sunday night. That turned out to be a very fortunate break, because everyone who played was completely exhausted.

There are essentially two ways to go after a game like this. A team can be demoralized and struggle, or they can be energized by coming so close and commit to avoiding that disappointing outcome again.

When Carolina memorably lost that triple-overtime game to Wake Forest, there was some general optimism in the locker room afterwards. Assistant coach Joe Holladay quickly put a stop to that. 
            
"We expect to win games like this," he said very simply.
            
Carolina has an experienced team that has won plenty of big games. They went 1-2 in Portland, but they also found an essential piece in Puff Johnson, have yet to play Jalen Washington--who should at worst provide depth and at best could be a fundamental rotation piece--a single minute, and finally located the competitiveness that was missing for most of the early home slate at the Smith Center. If anything, Sunday's loss made Friday's defeat to Iowa State more frustrating, because the Heels would have beaten the Cyclones with this type of effort.

It's absolutely indisputable after Sunday's finish that Carolina is a better team when Bacot is involved and active. His presence makes everyone else better. Any notion that the Tar Heels could simply be a jump-shooting team that can always depend on reliably beating teams from outside were eliminated by the Crimson Tide. If the next week shows that lesson has been absorbed, then the trip to Portland made Carolina better.
            
These next few days will be fascinating. "This is a great learning experience for us," Hubert Davis said. "Sometimes the ball doesn't bounce your way, and when things don't go your way, you have a choice. You can whine and make excuses and talk about one call. Or you can get up and fight. And that's my expectation for our guys."
 

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Sunday, November 27, 2022

Over 10 years, 43% of first marriages can fail. Here's why couples might want a postnuptial agreement - CNBC

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While couples might sign a prenuptial agreement before they're married and a "post-nup" after, it's more than just the timing that differentiates these arrangements, experts say.

"It's a whole different ballgame once you're married," said Martin Shenkman, estate attorney with Shenkman Law in New York City.

"With a pre-nup, you have no obligation to a spouse," he explained. "With a post-nup, once you're married, you have a legal and fiduciary obligation to your spouse."

Shenkman emphasized that it's important to check what your state law allows.

More from Life Changes:

When a post-nup might be called for

What situations might prompt a couple to prepare a postnuptial agreement?

For example, married couples may need to adjust a pre-nup they'd signed, according to attorney and certified financial planner Keith Singer, president of Singer Wealth in Boca Raton, Florida. "They want to make sure the new terms are based on the things that have happened in your life," he said.

Changes in marital dynamics can trigger a change in the terms of a pre-nup. For example, couples may not have anticipated one spouse starting to earn significantly more than the other or that, as the marriage endured over time, greater trust grew between the partners, Singer said.

A post-nup may also come into play when a couple is contemplating divorce but still trying to work things out. According to the Centers for Disease Control and Prevention, over 10 years as many as 43% of first marriages can fail.

"Because divorcing sooner [rather] than later could be more advantageous to one of the spouses, their agreement may stipulate that the marriage ended as of the date of the post-nup for purposes of calculating alimony and property division, should efforts to repair a marriage be unsuccessful," Singer said.

There are times when a postnuptial is necessary to supersede certain state laws to allow one spouse to leave the other one less than what is required by their state.

"A lot of people are unaware that once they are married, state law gives their spouse a minimum percentage of the estate, even if the deceased spouse tried to leave it to someone else," Singer said. An example of that case would be a person in a second marriage who intends to leave all their assets to children from a previous marriage.

How various professionals help with post-nups

  • Matrimonial attorney: knows the state laws and drafts the agreement
  • Estate attorney: ensures the plan is consistent with the couple's estate documents, especially with regard to trusts
  • Financial advisor: helps the couple with a budget and financial forecasts, addresses inherent capital gains, determines which assets should be set aside and how to divide accounts, etc.
  • Insurance professional: helps the couple select insurance to fulfill the necessities of the plan

— Martin Shenkman, estate attorney with Shenkman Law in New York City

There also may be external forces, such as a future change in wealth, that trigger a post-nup, said CFP Crystal Cox, senior vice president of Wealthspire in Madison, Wisconsin.

In the event of a potential inheritance, for example, an heir — or the relatives leaving the assets — may insist on a post-nup so that the wealth will stay on their side of the family and not be included in any possible divorce negotiations. A financial advisor can help by setting up accounts for the heir only, Cox said.

"It's a lot easier to do it while you still have faith in the marriage," she said.

'An avenue of communication'

Not all post-nups need to be legal documents. Lili Vasileff, CFP, certified divorce financial analyst and president of Wealth Protection Management in Greenwich, Connecticut, is a marital mediator who prepares post-nup agreements that are private memoranda of understanding.

"Preparing these agreements opens an avenue of communication," she said. "They don't always lead to divorce, but give couples more time to work through financial issues."

There are generally two types of parties who work with Vasileff. The first are spouses with a mature mindset who need to have better communication around finances, especially later in life.

The second type includes spouses who need a way to atone for something that went wrong in the marriage. The postnuptial may aim to remediate the wrong financially, to rebuild the relationship and show good faith.

Or the agreement may outline how the couple can stay married, but separate themselves financially and become independent of the other's financial activities.

"It's a process that requires time, energy and participation ... and a tool to learn more about each other," Vasileff said. "[Post-nups] have been much more in demand recently than in prior years.

"They're less emotionally charged than pre-nups, which are a condition to marry."

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My mom told me to read ‘The Magic of Thinking Big’—here are 5 quotes I’m using to help guide my career - CNBC

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In March, my mom handed me a copy of "The Magic of Thinking Big" by David J. Schwartz, but life happened, and it took me three months to get around to actually reading it.

When I finally did, the timing was perfect. In June, I was just starting my job here at CNBC Make It and looking for guidance on how to navigate such a huge life moment.

I came into reading "The Magic of Thinking Big," not really knowing what to expect. And I walked away with so much more than I thought I would.

The book made me feel a lot more confident about joining a new team, commuting to the office and stepping into the role I've always wanted. So, thanks Mom!

Now the only thing left to do is to get her to read the book herself.

But in the meantime, here are five quotes from "The Magic of Thinking Big" that stuck with me and what I learned from them.

5 impactful quotes from 'The Magic of Thinking Big'

1. 'Being young (old) is a distinct advantage.'

At my age, I didn't expect to land where I have so early in my career. But Schwartz suggests looking at entering new experiences at an age that's not typically associated with them as an advantage, which is brilliant.

There's so much that I can learn and teach with my unique experience, and the same can be said for those starting jobs where they may be an outlier for one reason or another.

Schwartz hints at the benefit of people not limiting themselves when it comes to new opportunities simply because of their age, especially when they may have something better to offer because of their differences.

2. 'Think more of yourself and there is more of you.'

Believing in yourself is an important first step before starting anything you're anxious about, Schwartz emphasizes.

"When you believe, really believe, something can be done, your mind goes to work for you and helps you find the ways to do it," he continues.

3. 'Don't hog glory, invest it instead.'

When you achieve something, it's just as important to thank and honor the people who have helped you along the way as it is to celebrate yourself, Schwartz notes. Find moments in your life where you can share the glory, instead of simply basking in it.

4. 'Success requires heart-and-soul effort, and you can put your heart and soul only into something you really desire.'

Passion won't only keep you from being bored within your job, but it can also dictate the amount of effort that goes into what you do, he highlights. Committing to what excites you can increase your chances of success, says Schwartz.

5. 'In this busy age a lot of people never seem able to find time for their families. But if we plan, we can find it.'

Being passionate about a job can mean investing a lot of time into it, but it's also necessary to make time for your family, Schwartz says. Even with a busy schedule, aim to "give them planned attention," he adds.

Want to earn more and work less? Register for the free CNBC Make It: Your Money virtual event on Dec. 13 at 12 p.m. ET to learn from money masters like Kevin O'Leary how you can increase your earning power.

Sign up now: Get smarter about your money and career with our weekly newsletter

Esther Wojcicki is an educator, journalist, and bestselling author of "How to Raise Successful People."
I raised 2 successful CEOs and a doctor—here’s the parenting style I never used on my kids

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NFL Week 12 Sunday Schedule: Bengals-Titans looks like this week’s best matchup - Acme Packing Company

We at Acme Packing Company hope that you have had an enjoyable Thanksgiving weekend, but unfortunately the weekend has to come to a close today. Thankfully, however, Sunday provides another full day of football to enjoy before the work week resumes on Monday morning.

This week, the Green Bay Packers get the prime time slot on Sunday Night Football, due in part to a lack of particularly exciting matchups across the NFL. In fact, the most widely-broadcast game in the afternoon features the Chiefs and Rams, which in theory might have been a great matchup but instead looks like a rout already with the Rams struggling and starting a backup quarterback in Kansas City today. As a result, Packers-Eagles gets to stick in the Sunday night time slot to get a nationwide broadcast.

Perhaps the best game in the NFL this week comes in the early games as the AFC South-leading Tennessee Titans host the 6-4 Cincinnati Bengals. That is the only game on Sunday between two teams with winning records, and should be a worthwhile watch for fans getting that game on local channels.

That contest is a rematch of last year’s Divisional Playoff game, when the Bengals upset the top-seeded Titans 19-16. Cincinnati won it on a field goal as the clock expired following the Bengals bottling up Derrick Henry to just 62 yards on 20 carries.

Tune in for that game and all of the games across the NFL today and join us in the comments.

NFL Week 12 Sunday

Visiting Team Home Team Venue City, State Time (CT) TV Network
Visiting Team Home Team Venue City, State Time (CT) TV Network
Cincinnati Bengals Tennessee Titans Nissan Stadium Nashville, TN 12:00 PM CBS
Baltimore Ravens Jacksonville Jaguars TIAA Bank Field Jacksonville, FL 12:00 PM CBS
Houston Texans Miami Dolphins Hard Rock Stadium Miami Gardens, FL 12:00 PM CBS
Tampa Bay Buccaneers Cleveland Browns FirstEnergy Stadium Cleveland, OH 12:00 PM FOX
Chicago Bears New York Jets MetLife Stadium East Rutherford, NJ 12:00 PM FOX
Atlanta Falcons Washington Football Team FedEx Field Landover, MD 12:00 PM FOX
Denver Broncos Carolina Panthers Bank of America Stadium Charlotte, NC 12:00 PM FOX
Los Angeles Chargers Arizona Cardinals State Farm Stadium Glendale, AZ 3:05 PM CBS
Las Vegas Raiders Seattle Seahawks Lumen Field Seattle, WA 3:05 PM CBS
Los Angeles Rams Kansas City Chiefs Arrowhead Stadium Kansas City, MO 3:25 PM FOX
New Orleans Saints San Francisco 49ers Levi's Stadium Santa Clara, CA 3:25 PM FOX
Green Bay Packers Philadelphia Eagles Lincoln Financial Field Philadelphia, PA 7:20 PM NBC

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Penn State Player Quotes (Michigan State) - Penn State Athletics

Penn State Football
Penn State Player Postgame Quotes 
vs. Michigan State – November 26, 2022
 
Tyler Warren | TE | Soph.
 
Q: How have you guys [tight ends] been able to do that (talking about scoring touchdowns)? What's it like when everyone steps up?
A: I think as a group we're definitely excited to catch some touchdown passes like that, and I'm excited when Theo and Brenton get to do it as much as I am when I get to do it. I think it just kind of speaks to our group as being versatile and doing what the offense needs.
 
Q: Walk us through that touchdown that you scored.
A: I got by him, and Cliff threw a ball where I could go up and get it. That's what you have to do as a quarterback, and it was just a great ball. I just went and made a play.
 
Q: How much pride do you take in your ability to make an impact on special teams?
A: As a program in general, we spend a lot of time with it and take a lot of pride in it and then you have a coach like Stacy Collins who makes people want to play for him and want to go on special teams. Personally, I take it very seriously and I think a lot of guys do. I think it could be a lot of dudes that could wear that number zero and it'll be a good thing for whoever gets to wear it.
 
Q: When it was 21-16, what was the attitude like right then?
A: I think that's something our team has been great with throughout the season. It wasn't heads down or talking bad to each other. We were up and we knew we had a job to do.
 
 
Nick Tarburton | DE | Redshirt Senior
 
Q: What was the reaction from you guys when they cut it to 21-16?
A: We've prepared for this this whole year, it's nothing new to us. The way we started this thing off, we had a tough game at Purdue, so there is no panic. It's all about trusting each other and trusting our techniques.
 
Q: How special is it for you to go out of here as a winner?
A: It's unbelievable. It means everything to me. It was a special win.
 
Q: 10 wins, what does that mean to you?
A: Honestly, it doesn't even feel real. It's good to get back to where we know Penn State should be and that's where Penn State should be every single year, double-digit wins and playing in big games.
 
Q: What can you say about Abdul Carter and the way he has played in this game and the season?
A: He's a special player. He understands the game really well for a freshman. He's athletic, knows how to rush the passer, and knows how to play the run.
 

Kalen King | CB | So.

Q: Are you playing the type of ball right now that you felt or believe you could have coming into this?
A: Yeah, definitely. Everything I am doing right now, I feel like I deserve it. I know the work that I put in my offseason. All my life I have been working really hard. 

Q: What did that interception mean to you today? 
A: It means a lot because we needed the stop. The game was getting too close for my comfort. I felt like I needed to make that play and I did. 

Q: What's it been like all year, not just being thrown at today, but teams going away from Joey? How do you take that on?
A: I take it as a challenge. It only gives me more opportunity to make plays. I'm grateful for those opportunities to play alongside a guy like that. I get to learn from him. I get to compete with him. We get to play together on Saturday so that's definitely good for me. 

 

Juice Suggs | OL | R-Sr.

Q: What is that first Sunday off like? How important is it maximizing the weeks ahead between now and the bowl game?
A: It's been a minute since I have had a Sunday off after the game. Just going to enjoy it, rest up and get ready for whatever bowl game we get. 

Q: You guys have been Iron Man the last three weeks or so. When you have to do 70-75 snaps today and every week, can you try to describe what that is like to the layman who never does anything like that? 
A: I'm going to be honest with you, I am just out there playing football. I am not thinking about how many reps I get or how many snaps I get. I'm just happy to be out there with my guys playing. I know I'm thinking like that and I know they're thinking like that. 

Q: Finishing the season through November, do you feel like you're playing your best?
A: I feel like this is our best football and I feel like we need to just keep doing what we're doing and stay improving.


KeAndre Lambert-Smith | WR | So.
 
Q: What was more fun today, throwing one or catching one?
A: I'll say throwing. I feel like I'm a quarterback at heart. I was throwing out of high school so just to showcase the arm talent. I felt good today.
 
Q: Can you take us through that play, from when it was called and what's going through your head and then the way that it unfolded? The one that you threw.
A: We repped it all week. Me and Theo (Johnson) were joking – don't overthrow me, lead me, make it perfect. So, when it was called, I think it was in a timeout, it may have been or on the sideline, we talked about it. He was like lead me, right before we went out there. I'm like come on, come on. So, after I did it, it was a perfect throw, I went back to him like, I led you enough? Perfect? It was good.
 
Q: What's going through your head when you're ready to throw it?
A: No panic. None of that. I saw Theo (Johnson) wide open, so I was just like, I gotta get it to him. I didn't have to worry about trying to put it anywhere specific, he was running by himself, so I just put it in the air and it landed where it landed.
 
Q: Thoughts about a possible bowl destination?
A:  Any bowl invite we can get, we're gonna go there and get that done.

 
Theo Johnson | TE | So.
 
Q: KeAndre said you were repping it (touchdown play) all week. Did it work well in practice as well?
A: This is one of those plays that we rep almost every week. But this week felt like 'yeah, we're gonna dial this up for sure.' So me and him made sure we're good – had a couple reps after practice. So we were ready for it when it got called.
 
Q: And he (KeAndre) is extremely confident in his arm. Were you as confident in his arm?
A: For sure. Every time we've repped it in practice it's been great. And I don't think I'd want anybody else back there (in the) receiver position throwing me the ball.
 
Q: How about the first touchdown catch. Did you figure you were going to be that open?
A:  I saw the guys in front of me communicating and I had a feeling that they were not on the same page. But then they just completely blew coverage. I didn't really run my full route just because I knew I was so open. So I wasn't really expecting to be that open, but sometimes it just works out like that. People make mistakes.

 
PJ Mustipher | DT | Sr.+
 
Q: How were you able to grade what you were able to see here this year as the freshmen developed in a way that you don't usually see freshmen develop at this level.
A: It's crazy, because I played as a true freshman but the type of success, the things these guys are doing just being freshmen is – I wish I had that success my freshman year. But these guys are all ball man. They put in the work. They're humble at the same time with all their success. These are football guys, so they're going to carry this program for a long time.
 
Q: In terms of this defense, you guys have had a special run so far. What makes you guys, your unit, so successful? What's so special about that defensive tackle?
A: It's the first year since I've been a starter where we can roll guys. And the trust – anybody can go in. And when you have that, when you can go off the field and you can trust that the guys that are going in are going to do their job at a high level, you know it means the world because we're fresh. It's paid dividends. Down the stretch this year we've been fresher. It's the freshest I've been since I've been here. And that's where the guys have been putting in the work. They say it's not easy, they just didn't show up like that. None of us just woke up like that. We put in the work and that trust, over time, grew in our playgroup. We're able to rotate like that. Hats off to everybody who's putting in that work.
 
Q: Is this team playing as good of football right now as you've played in your five years?
A: Yeah, I tell them all the time. Guys don't understand it because they're young. Once they get to where we are as seniors, they'll understand that it's not easy to do well. Even in 2019 I don't think we were blowing out teams like that. We probably had more talent, if not the same talent that year as we did this year. So, it's no easy thing to do. And this is some of the best football I've seen played here. But that's just who we are.

Tyler Elsdon | LB | Sophomore
 
Q: What was the importance of hanging in there with Michigan State and responding to their comeback?
A: I think our story this whole year has been to take it play by play. This year no matter the opponent we always give it our best. Michigan State has a good team. They have a lot of talent and tough kids. When they started to get momentum, it was important to eliminate it and make plays. The game was in our hands, and we did what we were supposed to do.
 
Q: How much better are you from the beginning of the season?
A: It is crazy how much you can grow in a year. It's also crazy how fast a year can go. Today was Senior Day and I saw all the seniors get emotional, which got me thinking that next year is my fourth year. It goes fast. Going into the season we had a plan to get better each week. Everyone on our defense got better and it is all about trusting the process.
 
Q: You got that first fumble, how did that help to get the defense going?
A: Even on that field you never know when the play is going to come. You just do your job consistently and the plays come to you. Any turnover is huge. It fires me up I got one, especially since it was my first one. Those are gamechangers. It got the momentum going for our team.
 
 
Sean Clifford | QB | R-Sr.+
 
Q: Was there a moment this season that made your decision to come back feel that much more worth it?
A: It's not one time or one thing for me, it's a culmination of a lot of things. The little moments here and there that nobody sees that I won't tell anybody because it is just special to me. It is a part of the journey. Being in the moment is what it's all about.
 
Q: Sean, what does this place mean to you?
A: I can't thank Penn State enough. Starting with the president all the way down to the janitors in Lasch. Everybody is always showing me love. Like I said before people are always going to be critical, but that's because this place is so special, and they demand excellence. They should demand the best and want to win every game because that is what this program deserves. I wouldn't give up the memories I've had for anything.
 
Q: How much do you think you've grown as a person over these years?
A: I've definitely grown substantially as a football player but more so as a man. That's not because of anything I've done but because of the people that surrounded me and poured energy, compassion and love into me to get me where I'm at. The journey is going to be difficult and tough for everybody. It is reminding yourself about the little things every single day. Remind yourself in the moment why you love what you do. Being out in Beaver and scoring that touchdown, I'm living my dream. Whatever you are doing take a couple of seconds to realize how blessed we are.
 
 
Ji'Ayir Brown | S | Sr.+
 
Q: What did it look and feel like knowing this was your last game in Beaver Stadium today?
A: Every movement I made, every tackle and celebration I really dialed into it. Having an appreciation for everything around me, it felt amazing. It is a bittersweet moment. Penn State has done a lot for me. It is hard to leave Beaver and all these great fans behind.
 
Q: What were you feeling after the game?
A: There were definitely emotions running. I tried to slow it down as much as possible. Time really flies.
 
Q: How fitting was it for you personally to have a big turnover in your last game here?
A: It was crazy because I didn't imagine it happening that way coming off a punt. You never know how they are going to come. Just like last game when I returned one for six, the moments you try to embrace them. It was really special to do that one last time in front of the fans and leave them with a legacy that number 16 knows was special.

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