More Than 1 in 4 American Homeowners Is ‘House Poor’
Debra Kamin – May 30, 2023
More Than 1 in 4 American Homeowners Is ‘House Poor’
More than one-quarter of homeowners in the United States are “house poor,” spending more than 30% of their income on housing costs, according to a new study.
Chamber of Commerce, a product research company for real estate agents and entrepreneurs, used numbers from the U.S. Census Bureau to analyze monthly housing costs and median household income in the 170 most populated U.S. cities. The company found that 27.4% of all homeowners are “cost-burdened” in its study.
Miami, Los Angeles and New York City have the highest number of “house poor” residents, with more than 4 in 10 homeowners in each city feeling stretched beyond their means by their housing bills. And with the exception of New York City, the top 10 cities in the United States for cost-burdened homeowners are all located in either California or Florida.
Why it matters: Housing costs are on the rise nationwide.
Mortgage interest rates, which dipped to historic lows at the beginning of the pandemic, climbed past 7% in 2022 — the highest numbers seen since 2002. And although rates slightly cooled in the early months of 2023, new homeowners today are still saddled with significantly higher monthly mortgage payments than neighbors who locked in a lower rate.
Add skyrocketing inflation and stagnating wages into the pot, and Americans owe trillions more than they did at the start of the pandemic. Higher housing costs means less set aside for savings, spending and emergencies.
It’s not just homeowners being squeezed, either: Rising housing costs push up rents as well, meaning both renters and homeowners are feeling strapped.
Background: The number of cost-burdened homeowners had been on the decline.
The “30% rule” is a longtime piece of personal finance gospel that advises keeping all housing expenses, including rent or mortgage payments, property taxes and utilities, from cutting into more than 30% of your monthly income.
From 2015 to 2019, the percentage of U.S. homeowners who were considered financially strapped dropped each year, from 29.4% in 2015 to 26.5% in 2019. But the pandemic has now started to erase those gains.
Los Angeles and New York mirror that national trend: In Los Angeles, where nearly half of homeowners are currently house poor, the number of cash-strapped owners dropped 4 percentage points between 2015 and 2019 but is now climbing again. The same goes for New York City, where in 2021, more than 45% of homeowners were house poor, up from 41.3% in 2019.
Miami, however, bucked the trend: The percentage of house-poor homeowners there was 44.6% in 2021, down 2 1/2 points from 2019.
What’s next: Federal interest rates might offer relief.
The Federal Reserve, fighting an uphill battle against inflation, has increased interest rates every month since March 2022. And while the Fed does not set mortgage rates, many home loans are tethered to their actions.
America’s central bank is now signaling that after nearly a year of consecutive rate increases, a break is on the horizon.
“That could signal some relief, at least for new homeowners,” said Collin Czarnecki, a researcher at Chamber of Commerce.
A Small Town’s Tragedy, Distorted by Trump’s Megaphone
Charles Homans and Ken Bensinger – May 29, 2023
From left, Larry Erickson, Sue Bakko, and Bob Bailey having breakfast at the Hunting Shack Cafe in McHenry, N.D., on May 24, 2023. (Lewis Ableidinger/The New York Times)
McHENRY, N.D. — There were no known witnesses when Shannon Brandt and Cayler Ellingson got into an argument in the blurry hours after last call at Buck’s n Doe’s Bar & Grill in September. And no one but Brandt could say with certainty what led him to run over Ellingson with his Ford Explorer, crushing him to death in a gravel alley.
But the people of McHenry, a town of 64 in sparsely populated Foster County, North Dakota, have gotten used to hearing from people who think they know.
They include former President Donald Trump, who denounced the killing of Ellingson, an 18-year-old recent high school graduate, at the hands of a “deranged Democrat maniac who was angry that Cayler was a Republican” in a Truth Social post. Rep. Marjorie Taylor Greene of Georgia described Brandt on Twitter as a “Democrat political terrorist” and cited the case as evidence that “Democrats want Republicans dead, and they’ve already started the killings.”
Trump and Greene were among a chorus of Republican politicians — including several members of Congress and the attorney general of North Dakota — who rushed to condemn Brandt. They relied on a handful of early news stories that cited a state highway patrol officer’s report, which suggested Brandt killed Ellingson because he believed he was a “Republican extremist.”
That claim, made weeks before the midterm elections, ignited a brief national political firestorm. Republican politicians and right-wing media figures claimed that Brandt had been inspired by President Joe Biden’s recent warnings about “extremism” in the Republican Party. They complained that news media coverage of political violence willfully ignored instances when the assailants were Democrats.
But the episode quickly became an example of another media phenomenon: the distortion of complex, painful events to fit an opportune political narrative.
Although evidence in the case suggests the two men argued about politics that night, law enforcement officials concluded quickly that the killing was not politically motivated. The prosecutor for Foster County who brought the charges never accused Brandt of running over Ellingson because of political beliefs.
Acquaintances and a family member could not recall Brandt, a 42-year-old welder with no history of party registration, expressing political views.
Late last month, the murder charge against Brandt was downgraded to manslaughter, which carries a sentence of up to 10 years in prison. He agreed on May 18 to plead guilty.
By averting a courtroom trial, the plea leaves many questions hanging over a still largely unexplained incident — and over a town that found itself swept abruptly into a national political cyclone and just as abruptly cast out.
In conversations this month, residents of McHenry — a conservative, close-knit agricultural community where most families, including the Ellingsons and the Brandts, have known each other for decades, if not generations — said the narrative of the tragedy that Trump and others promoted never made much sense to them. But except for a handful of county officials, they have shied away from speaking on the record about it.
Robyn Sorum, the mayor of McHenry, said she had advised the community against doing so to avoid worsening local tensions around the case. “Anywhere something like this happens, it’s a tragedy, you know?” she said. “But then you get to a small town where everyone knows each other, it makes it even rougher.”
Ellingson’s family did not comment. Brandt, through his attorney, Mark Friese, declined an interview.
Friese, who did not discuss details of the incident, described the aftermath as a cautionary tale. “I think we’re going to see more of this,” he said. “Things end up being tried on social media instead of in the courtroom.”
A Confusing Encounter
The town of McHenry sits on a crosshatch of gravel roads etched into an undulating plain of wheat and soybean farms and Angus cattle ranches. The nearest landmarks of any significance, a 30- and 60-minute drive away, respectively, are a decommissioned intercontinental ballistic missile silo and the world’s largest concrete buffalo.
“It’s a nice little town,” said Sorum, who is also the proprietor of the Hunting Shack cafe, the only business besides Buck’s n Doe’s on the town’s main thoroughfare. “Everybody tries to help everybody else.”
On the night of Sept. 17, 100 or so people from McHenry and surrounding towns gathered outside of Buck’s n Doe’s for McHenry Days, a local festival. After midnight, when a three-piece country band from Fargo packed up and went home, some of the festival goers drifted into the bar.
The crowd included Ellingson, who had come to the festival with his family and stayed behind with his brother after their parents drove back to nearby Grace City. And it included Brandt, who came from a locally prominent family that had lived in McHenry since the early 20th century. His father and uncle had shot the immense trophy elks that looked down upon patrons from the walls of the bar.
Buck’s n Doe’s closed at 2 a.m. Fifty-five minutes later, the county 911 dispatcher received a call from Brandt. “I hit a man with my vehicle,” he said in the recording of the call.
At the time, Ellingson was alive and conscious but badly injured. He died later that morning at a hospital.
The next day, two Fargo television stations reported that a sworn declaration from a highway patrol officer said that Brandt had claimed Ellingson “was part of a Republican extremist group” and admitted to hitting the teen with his car “because he had a political argument” with him. The highway patrolman’s statement was based on a recording of the 911 call and an interview of Brandt by two other law enforcement officers.
But the declaration appears to have mischaracterized the 911 call. And the prosecutor never presented evidence that showed Brandt told officers that he ran into the teen because of the argument or that he believed he was part of an extremist group. Five days after the incident, a captain in the North Dakota State Highway Patrol told reporters that his agency had concluded the killing was “not political in nature at all.”
Subsequent court filings and testimony instead revealed a murkier, more confused encounter.
In phone calls, Brandt and Ellingson both made a reference to some sort of political dispute. Both called family members during the encounter, and each described feeling threatened, according to court records.
Ellingson told his mother “some politics had got brought up” and Brandt “didn’t like what he had to say,” according to a state Bureau of Criminal Investigation agent who interviewed Ellingson’s mother. She recalled her son saying “something to the effect of, ‘They’re on to me. I should round up my cousins or my posse,’” the agent testified.
In his 911 call after he hit Ellingson, Brandt said the teenager had said “something about some Republican extremist group,” but he did not claim Ellingson was a member. Brandt told the dispatcher he believed the teen was “calling other guys to come get me.” There’s no evidence Ellingson did so.
In the 911 call, Brandt described trying to leave in a panic only to be blocked by Ellingson. At one point he said he knew his running over Ellingson had been “more than” an accident. But he otherwise insisted the act had been unintentional. “I never meant to hurt him,” he told the dispatcher.
Both men were intoxicated. Brandt’s family and Friese say Brandt has been diagnosed with autism spectrum disorder, which Friese argued was a relevant factor in the case. An autopsy by the state forensic medical examiner ruled the cause of death as “accidental.”
‘Politically Motivated’
In the days after the episode, several local news outlets published articles. As is typical with early reports, those first stories relied heavily on the sparse details provided by law enforcement records.
“Man admits to killing teen after political dispute in Foster Co., court docs allege,” was the headline published online by Valley News Live, a news outlet based in Fargo, the day after Ellingson’s death.
The next morning, Gateway Pundit, a right-wing site that regularly seeds stories in the conservative media, wrote its own version under the headline “Crazed North Dakota man runs over and kills teen for ‘extremist’ Republican views.”
That evening, the case hit Fox News’s prime-time lineup, where it stayed for days. “This is a guy who intended to kill an 18-year-old Republican because he was a Republican,” Jeanine Pirro said during an on-air debate about the incident, claiming that Brandt chased Ellingson in his vehicle.
Pirro blamed Biden, who she said “is the one who started this extremist hate” when he made a speech about the perils of far-right extremism earlier that month. On Twitter, Greene posted a clip of Biden referencing “extreme MAGA Republicans,” adding that Ellingson was “executed in cold blood by a Democrat political terrorist because of rhetoric like this.”
The case spread across the right-wing ecosystem, from Jack Posobiec, the far-right conspiracy theorist and podcaster, to Rep. Jim Jordan of Ohio, who appeared on Laura Ingraham’s Fox News show, calling Brandt a “terrible guy.” State Attorney General Drew H. Wrigley condemned the episode as “hateful violence.”
In McHenry and the neighboring town of Glenfield, where Brandt lives, acquaintances said they were surprised by the claims of a political motive. There is no evidence in public records or court filings suggesting Brandt is a Democrat.
“I can honestly tell you, I don’t know who Shannon voted for in the last presidential election,” Ashley Brandt-Duda, Brandt’s sister, said in an interview. Although their parents are both registered Republicans, “I would say my family is quite apolitical,” she said.
Brandt’s reference to extremists was similarly met with surprise in McHenry, where both residents and law enforcement officials profess to know little about such groups. The county sheriff’s records do mention one previously unreported incident: In October, a long-shuttered local school was found to have been vandalized, its interior walls spray-painted with the stenciled logo of Patriot Front, a white nationalist group.
The building’s owner, David Ludwig, initially told a sheriff’s deputy that the break-in happened the weekend of Ellingson’s killing. But when reached by The New York Times, he said that timing was just a guess. Justin Johnson, the Foster County sheriff, said he considered the incident to be “totally unrelated.”
Nothing on public record suggests that Ellingson or Brandt had links to extremist groups.
‘Everything Just Exploded’
In the week and a half after Ellingson’s death, the case was discussed on at least seven Fox News shows. The coverage continued well after law enforcement officials had said the killing was not politically motivated, a point that was only occasionally mentioned on-air.
Brandt-Duda said her parents left their home in McHenry out of concern for their safety. When they returned about a week later, they found more than 50 threatening messages on their answering machine.
They received numerous threatening letters, too, Brandt-Duda said. One was written on the margins of an article about the incident from The New York Post, she said. The newspaper covered the case extensively and also published an opinion column arguing that the “president of the United States, supported by a fan-girl media, spouts irresponsible rhetoric that led to Ellingson’s death.”
“Everything just exploded,” Brandt-Duda said.
The county court and sheriff’s offices also received numerous threats, according to multiple local officials. On Sept. 29, 11 days after Ellingson’s death, the county prosecutor, Kara Brinster, dropped the initial charge of vehicular homicide, which is used for fatal drunken driving accidents, for a new one: intentional homicide, which carries a sentence of up to life in prison.
Brinster did not respond to requests for comment on the decision.
Then, as quickly as it swelled, the media frenzy receded. Fox Digital, the TV network’s online arm, continued to publish articles that acknowledged the more complicated story that was emerging from officials. But Fox News’ hosts did not mention the case on-air again after Sept. 30.
Asked for comment, a Fox spokesperson, Jessica Ketner, noted the company’s online articles but did not comment on the network’s television coverage.
Gateway Pundit, too, stopped publishing stories on the case. Politicians who had been quick to speak out appeared to lose interest. Trump, Greene, Jordan and Wrigley did not respond to requests for comment.
This month, after Brinster dismissed the intentional homicide charge, the decision merited little more attention than a front-page story in The Foster County Independent and an article by The Associated Press.
But just as Brandt agreed to plead guilty, Posobiec, the right-wing podcaster, took up the story again. In a segment on his daily show, he singled out the prosecutor, claiming she had gone soft on Brandt. He posted her photograph and phone number online, and told listeners to call her to complain.
“Maybe Kara Brinster should be prosecuted,” he said. “Maybe we should look into her.”
The nearly 11% of positive PCR cases is up 36% since before the COVID-19 pandemic when PCR tests for HMPV were coming back with a rate of 7% positivity, per CDC.
In contrast, COVID-19 cases were down nearly 30% at the beginning of March, according to the World Health Organization, and the number of people being hospitalized for RSV was down to 1.2 people per 100,000 in March from 4.5 people per 100,000 in January, according to CDC data.
Virus experts say this illness pattern looks a little more like the seasonality they typically saw in the US pre-pandemic, when RSV cases would spike first in the fall, then influenza would surge, and later in the season parainfluenzas and human metapneumovirus would circulate, into the spring.
“They would come in waves,” Dr. Pedro Piedra, a professor of molecular virology and respiratory virus expert at Baylor College of Medicine, previously told Insider. “These viruses, whether they be influenza, or RSV, or human metapneumovirus, can have a significant consequence on our health.”
How to treat an HMPV infection
Jeffrey Greenberg/Universal Images Group via Getty Images
Symptoms of HMPV mimic other viruses, and include a cough, fever, nasal congestion, and shortness of breath. The infection can also progress into bronchitis, pneumonia, or other illnesses that cause upper and lower respiratory distress.
Some people with HMPV might get sick for longer than others, depending on the severity of their illness. Most people with respiratory infections caused by viruses like HMPV are sick for about a week to two weeks.
At home, you can treat symptoms of HMPV like you would other mild viral illnesses. Fever, aches and pains can be soothed with over the counter medications like Tylenol (acetaminophen) or Advil (ibuprofen) as well as decongestant drugs. There’s no vaccine for HMPV, nor is there an antiviral drug like Paxlovid or Tamiflu developed to treat it. Stay hydrated, and get lots of rest.
HMPV is spread by coughs and sneezes, close personal contact, and touching surfaces infected with the virus, then touching your mouth, nose, or eyes.
Struggles continue for thousands in Florida 8 months after Hurricane Ian as new storm season looms
Curt Anderson – May 28, 2023
A skeleton in sunglasses sits beside a sign reading “Just waiting for the insurance check,” outside the closed Kona Kai Motel on Sanibel Island, Fla., Thursday, May 11, 2023. In Sanibel, the lingering damage is not quite as widespread as in Fort Myers Beach, but many businesses remain shuttered as they are repaired and storm debris is everywhere. Seven local retail stores have moved into a shopping center in mainland Fort Myers, hoping to continue to operate while awaiting insurance payouts, construction permits, or both before returning to the island. (AP Photo/Rebecca Blackwell)In this drone photo, restaurants operate from food trucks with outdoor seating in the Times Square area, where many businesses were completely destroyed during Hurricane Ian, in Fort Myers Beach, Fla., Wednesday, May 10, 2023. With this year’s Atlantic hurricane season officially beginning June 1, recovery is far from complete in hard-hit Fort Myers Beach, Sanibel and Pine Island. Blank concrete slabs reveal where buildings, many of them once charming, decades-old structures that gave the towns their relaxed beach vibe, were washed away or torn down. (AP Photo/Rebecca Blackwell)Omar Del Rio, a civil engineer currently subcontracted to FEMA, and his wife Maria wheel shopping carts full of groceries and supplies to their car as they leave the free food pantry operating underneath the heavily damaged Beach Baptist Church in Fort Myers Beach, Fla., Thursday, May 11, 2023. Before Hurricane Ian devastated Fort Myers Beach in 2022, the Del Rios rented an apartment on the island, living near the rented homes of their adult son and daughter, who each lived with their spouse and three children. All three homes were lost in the storm, and the six adults and six children were forced to spend months living together in one camper. (AP Photo/Rebecca Blackwell)In this photo taken with a drone, the remains of homes demolished after sustaining heavy damage in Hurricane Ian are seen in Tropicana Sands mobile home park, bottom, in Fort Myers, Fla., Wednesday, May 10, 2023. More than seven months after the storm, crews continue removing debris after demolishing all but a handful of the hundreds of manufactured homes in the community marketed to active adults ages 55 and up. The state estimated the total insured loss from Ian in Florida was almost $14 billion, with more than 143,000 claims still open without payment or claims paid but not fully settled as of March 9. (AP Photo/Rebecca Blackwell)Jacquelyn and Timothy Velazquez sit inside the gutted shell of their 910 square foot two-bedroom home, which was damaged when Hurricane Ian’s storm surge rose to within inches of the ceiling, in Fort Myers Beach, Fla., Wednesday, May 24, 2023. The couple has laid down new flooring, but is still battling with their insurance company to have the damage to the leaking roof covered, while waiting on permits for the renovation work. (AP Photo/Rebecca Blackwell)
FORT MYERS BEACH, Fla. (AP) — Eight months ago, chef Michael Cellura had a restaurant job and had just moved into a fancy new camper home on Fort Myers Beach. Now, after Hurricane Ian swept all that away, he lives in his older Infiniti sedan with a 15-year-old long-haired chihuahua named Ginger.
Like hundreds of others, Cellura was left homeless after the Category 5 hurricane blasted the barrier island last September with ferocious winds and storm surge as high as 15 feet (4 meters). Like many, he’s struggled to navigate insurance payouts, understand federal and state assistance bureaucracy and simply find a place to shower.
“There’s a lot of us like me that are displaced. Nowhere to go,” Cellura, 58, said during a recent interview next to his car, sitting in a commercial parking lot along with other storm survivors housed in recreational vehicles, a converted school bus, even a shipping container. “There’s a lot of homeless out here, a lot of people living in tents, a lot of people struggling.”
Recovery is far from complete in hard-hit Fort Myers Beach, Sanibel and Pine Island, with this year’s Atlantic hurricane season officially beginning June 1. The National Oceanic and Atmospheric Administration is forecasting a roughly average tropical storm season forecast of 12 to 17 named storms, five to nine becoming hurricanes and one to four powering into major hurricanes with winds greater than 110 mph (177 kph).
Another weather pattern that can suppress Atlantic storms is the El Nino warming expected this year in the Pacific Ocean, experts say. Yet the increasingly warmer water in the Atlantic basin fueled by climate change could offset the El Nino effect, scientists say.
In southwest Florida, piles of debris are everywhere. Demolition and construction work is ongoing across the region. Trucks filled with sand rumble to renourish the eroded beaches. Blank concrete slabs reveal where buildings, many of them once charming, decades-old structures that gave the towns their relaxed beach vibe, were washed away or torn down.
Some people, like Fort Myers Beach resident Jacquelyn Velazquez, are living in campers or tents on their property while they await sluggish insurance checks or building permits to restore their lives.
“It’s, you know, it’s in the snap of the finger. Your life is never going to be the same,” she said next to her camper, provided under a state program. “It’s not the things that you lose. It’s just trying to get back to some normalcy.”
Ian claimed more than 156 lives in the U.S., the vast majority in Florida, according to a comprehensive NOAA report on the hurricane. In hard-hit Lee County — location of Fort Myers Beach and the other seaside towns — 36 people died from drowning in storm surge and more than 52,000 structures suffered damage, including more than 19,000 destroyed or severely damaged, a NOAA report found.
Even with state and federal help, the scale of the disaster has overwhelmed these small towns that were not prepared to deal with so many problems at once, said Chris Holley, former interim Fort Myers Beach town manager.
“Probably the biggest challenge is the craziness of the debris removal process. We’ll be at it for another six months,” Holley said. “Permitting is a huge, huge problem for a small town. The staff just couldn’t handle it.”
Then there’s battles with insurance companies and navigating how to obtain state and federal aid, which is running into the billions of dollars. Robert Burton and his partner Cindy Lewis, both 71 and from Ohio, whose mobile home was totaled by storm surge, spent months living with friends and family until finally a small apartment was provided through the Federal Emergency Management Agency. They can stay there until March 2024 while they look for a new home.
Their mobile home park next to the causeway to Sanibel is a ghost town, filled with flooded-out homes soon to be demolished, many of them with ruined furniture inside, clothes still in closets, art still on the walls. Most homes had at least three feet of water inside.
“No one has a home. That park will not be reopened as a residential community,” Lewis said. “So everybody lost.”
The state Office of Insurance Regulation estimated the total insured loss from Ian in Florida was almost $14 billion, with more than 143,000 claims still open without payment or claims paid but not fully settled as of March 9.
With so many people in limbo, places like the heavily damaged Beach Baptist Church in Fort Myers Beach provide a lifeline, with a food pantry, a hot lunch stand, showers and even laundry facilities for anyone to use. Pastor Shawn Critser said about 1,200 families per month are being served at the church through donated goods.
“We’re not emergency feeding now. We’re in disaster recovery mode,” Critser said. “We want to see this continue. We want to have a constant presence.”
In nearby Sanibel, the lingering damage is not quite as widespread although many businesses remain shuttered as they are repaired and storm debris is everywhere. Seven local retail stores have moved into a shopping center in mainland Fort Myers, hoping to continue to operate while awaiting insurance payouts, construction permits, or both before returning to the island.
They call themselves the “Sanibel Seven,” said Rebecca Binkowski, owner of MacIntosh Books and Paper that has been a Sanibel fixture since 1960. She said her store had no flood insurance and lost about $100,000 worth of books and furnishings in the storm.
“The fact of the matter is, we can get our businesses back up and running but without hotels to put people in, without our community moving back, it’s going to be hard to do business,” she said. “You hope this is still a strong community.”
Yet, the sense among many survivors is one of hope for the future, even if it looks very different.
Cellura, the chef living in his car, has a new job at another location of the Nauti Parrot restaurant on the mainland. Insurance only paid off the outstanding loan amount on his destroyed camper and he didn’t qualify for FEMA aid, leaving him with virtually nothing to start over and apartment rents rising fast.
But, after 22 years on the island, he’s not giving up.
“I believe that things will work out. I’m strong. I’m a survivor,” he said. “Every day I wake up, it’s another day to just continue on and try to make things better.”
AP visual journalist Laura Bargfeld and photographer Rebecca Blackwell contributed to this story.
State Farm will no longer accept applications for homeowners insurance in California, citing wildfire risk
Julia Jacobo – May 28, 2023
One of the largest insurance agencies in the country will no longer accept applications for home and business insurance in California due to wildfire risks and the cost of rebuilding.
State Farm has ceased new applications, including all business and personal lines property and casualty insurance, starting Saturday, the company announced in a press release.
PHOTO: The headquarters for State Farm Insurance is shown in Bloomington, Illinois. (Google Maps Street View)
Existing customers will not be affected, and the company will continue to offer auto insurance in the state, according to the release.
The insurance agency cited “historic increases in construction costs outpacing inflation, rapidly growing catastrophe exposure, and a challenging reinsurance market” for its decision.
State Farm said while it takes its responsibility to manage risk “seriously” and will continue to work with state policymakers and the California Department of Insurance to help build market capacity in California, the decision was necessary to ensure the company remains in good financial standing.
“It’s necessary to take these actions now to improve the company’s financial strength,” the statement read. “We will continue to evaluate our approach based on changing market conditions. State Farm® independent contractor agents licensed and authorized in California will continue to serve existing customers for these products and new customers for products not impacted by this decision.”
PHOTO: In this Sept. 7, 2022, file photo, a property destroyed by Mosquito Fire is shown in the Michigan Bluff neighborhood of Foresthill, in Placer County, Calif. (Fred Greaves/Reuters, FILE)
A decadeslong megadrought and climate change have been exacerbating wildfire risk in California in recent years. Severe drought during the winter is leading to matchbox conditions in the dry season, allowing intense wildfires to ignite with the slightest spark.
The warm, dry climate that serves as fuel for wildfires is typical for much of the West, but hotter overall temperatures on Earth are increasing wildfire risk in the region.
Last year, the Mosquito Fire destroyed dozens of homes in El Dorado and Placer counties. In 2021, the Dixie Fire destroyed more than 100 homes in the town of Greenville.
The Creek Fire in 2020 became the largest single fire in California history, damaging or destroying nearly 1,000 structures and burning through about 380,000 acres.
PHOTO: In this Sept. 24, 2021, file photo a burned residence is shown in Greenville, Calif. The Dixie fire has burned almost 1 million acres and remains at 94% containment after burning through 5 counties and more than 1,000 homes. (Josh Edelson/AFP via Getty Images, FILE)
Rebuilding from wildfire destruction is expensive, expensive, experts have found.
The reconstruction costs from the 2022 Coastal Fire in Southern California were estimated to be $530 million, and only 20 homes were destroyed, according to a report by property solutions firm CoreLogic.
In addition, the nationwide impact of California’s 2018 wildfire season — which included the Camp Fire, the most destructive in California history — totaled $148.5 billion in economic damage, according to a study by the University College London.
PHOTO: In this Sept. 8, 2020, file photo, a home is engulfed in flames during the ‘Creek Fire’ in the Tollhouse area of unincorporated Fresno County, Calif. (Josh Edelson/AFP via Getty Images, FILE)
The state’s FAIR Plan provides basic fire insurance coverage for high-risk properties when traditional insurance companies will not, but that plan is the last resort, Janet Ruiz, director of strategic communication for the Insurance Information Institute, told ABC San Francisco station KGO.
“It’s a basic policy, only covers fire – you have to get a wraparound policy too to cover theft and liability,” she said.
Scammers using text messages to drain bank accounts in new ploy
Anna Werner Wernera@cbsnews.com – May 26, 2023
In a stark reminder of the growing threat of financial scams, Deborah Moss, owner of a small catering business, found herself ensnared in a sophisticated bank scam that started with a seemingly harmless text message.
Moss, who had dedicated over a decade to building her business, says she had finally accumulated enough savings to pursue a peaceful life in rural Guerneville, California. But her dreams began to shatter after she received a text message purporting to be from her bank, Chase, inquiring about an unauthorized $35 debit card charge from another state. Initially dismissing it as a minor inconvenience, Moss promptly replied.
Shortly after replying to the text, Moss received a call from someone claiming to be a representative from Chase Bank, with the caller ID displaying the bank’s name. On the other end of the line was an individual identifying herself as “Miss Barbara” from “Chase ATM.” She requested permission from Moss to issue a new debit card to resolve the alleged fraudulent charge.
Moss says Miss Barbara told her she needed to verify Moss’s identity and to do so, instructed Moss to read the numbers from a subsequent text message back to her over the phone.
“And I would just repeat those numbers to her, and she’d say, ‘That’s great. Thank you so much, Ms. Moss,'” said Moss.
Over the next week, Miss Barbara called Moss several times, each time saying there was a problem with delivery of the card and each time asking Moss to verify her identity by reading back the numbers from subsequent text messages.
It wasn’t until Moss visited her nearest bank branch that the devastating truth emerged. A supervisor informed her that her account had been drained, leaving her life savings of nearly $160,000 completely depleted.
“That was all my money. It took me 12 years to get that money, and that was my life savings,” Moss said.
Moss’ ordeal sheds light on the escalating trend of fraud and the alarming financial losses suffered by Americans, with reported losses reaching a staggering $8.8 billion last year, marking a 30% surge from the previous year, according to government data.
The text messages asking Moss to authenticate her account were authentic: they were sent by Chase Bank as part of its two-factor authentication system, designed to enhance customer security. But the scammers deceived Moss into revealing the numbers to them over the phone, enabling them to bypass security measures and transfer large sums of money from Moss’s account. In just one week, they conducted six wire transfers, some as high as nearly $48,000.
Moss filed a police report and submitted a claim to Chase Bank, hoping to recover her stolen funds. However, her hopes were dashed when, after a five-week wait, the bank denied her claim.
Chase Bank appeared to fault Moss, writing her in a letter, “During our review we found you did not take the appropriate steps to protect your account from theft or unauthorized use.” Bank officials said they would not reimburse her account, leaving Moss devastated and feeling betrayed.
“My world fell apart. My whole world fell apart,” Moss said. “You think of your bank as being some place that you put your money so that it’s safe but it’s not safe. It needs to change.”
JPMorgan Chase provided a statement to CBS News in response, stating, “Regrettably, Ms. Moss’s account was compromised as a result of scammers deceiving her and obtaining her personal confidential information.”
Chase Bank told CBS News that bank officials had attempted to contact Moss via phone and email regarding the wire transfers at the time. Moss says she did not receive any of these messages. Chase offered the following tips for consumers to remember: Do not share personal account information such as ATM PINs or passcodes. Keep in mind that the bank typically does not initiate phone calls, but if you want to ensure you are speaking with the bank, call the number on the back of your card. Lastly, avoid clicking on suspicious links in texts or emails.
JPMorgan Chase defended its commitment to combating fraud, saying in a statement: “Each year we invest hundreds of millions of dollars in authentication, risk models, technology and associate, client education to make it harder for scammers to trick customers.”
David Weber, a certified fraud examiner and forensic accounting professor, believes that Chase Bank bears responsibility for, in his opinion, failing Moss and neglecting to implement stronger security measures.
“Anyway you look at it, they failed. They failed her,” Weber said. “The bank could have required her to come in and sign the wire form in person. They left everything for her to be at risk, and now they’re saying they bear no responsibility.”
He also said that the current two-factor authentication systems, including text messages, are insufficient in combating the increasingly sophisticated tactics employed by scammers.
“This is happening hundreds and thousands of times a day in the United States using the exact same methods here. The two-factor authentication is not strong enough to protect this customer,” Weber said.
ADDITIONAL INFORMATION FROM JPMORGAN CHASE:
Threats are changing every day as scams become more sophisticated. As threats evolve, so do our methods to prevent both fraud and scams.We know we cannot thwart these scams alone. It takes an all-hands-on deck approach in partnership with law enforcement, the private sector, and government to help prevent, avoid and prosecute these crimes. Consumers play a critical role too, which is why we continue to educate them about the latest scams so that they can spot and avoid them.
SCAM PREVENTION TIPS:
Protect your personal account information, ATM pins, passwords and one-time passcodes. If someone contacts you and asks for this information, especially if it’s someone claiming to be from your bank, do not share it with them.If you want to be sure you’re talking to a legitimate representative of the company that contacted you, call the number on their official website. If you want to be sure you are talking to a legitimate representative of your bank, call the number at the back of your card or visit a branch. Never click on suspicious links in a text or email or grant anyone remote access to your phone or computer. Do not respond to phone, text or internet requests for money or access to your computer or bank accounts. Banks will never call, text or email asking for you to send money to yourself or anyone else to prevent fraud. To learn more about common scams and ways to protect yourself visit: www.chase.com/security-tips.
To Improve Circulation and Boost Heart Health, Doctors Recommend Eating These Surprising Super Foods
Alyssa Shaffer – May 26, 2023
You probably know by now what you shouldn’t eat when it comes to maintaining a healthy heart. But what about the stuff that can help keep your ticker beating strong? Cambridge, Massachusetts-based researcher William Li, MD, has spent more than 30 years studying angiogenesis — the process of how the body grows blood vessels and keeps them healthy.
“That is actually the beating heart of the cardiovascular system,” Dr. Li explains. After all, our body has more than 60,000 miles of vessels that pump oxygen and nutrients throughout the body, including to and from the heart. “What we eat is vitally important to the function of these vessels and to the heart itself,” says Dr. Li, whose bookEat To Beat Disease is based on the latest research in this field.
Here, a few of the latest findings, including Dr. Li’s recommendations for the best foods to reduce your risk of heart disease.
Foods That Improve Circulation
“It’s crucial to eat foods that can stimulate or help maintain good blood vessel growth for the heart and the rest of the body,” says Dr. Li. Angiogenesis not only keeps blood circulating throughout the body but also jumps into action if there is a threat to circulation, such as a blockage in a blood vessel with atherosclerosis or a narrowing of the coronary vessels or carotid arteries. In fact, Dr. Li writes, people can live for years or even decades with coronary heart disease or carotid disease if the angiogenesis defense system does its job. These foods can help stimulate the growth of blood vessels and improve how blood flows throughout the body.
Sample Fare: Apples (including the peel), capers, sesame seeds, cranberries
Foods That Activate Stem Cells
“We know through research that humans regenerate from the inside out using our own body’s stem cells,” says Dr. Li. These cells have a wide range of functions, including helping to protect and rebuild the heart after injury such as a heart attack. They also help protect blood vessels throughout the body, including those that line the heart. Research has shown that subjects with the highest levels of stem cell factor (a blood marker essential for healthy stem cell functions) had a 50 percent lower risk of heart failure and a 34 percent lower risk of stroke — as well as a 32 percent lower risk of death from any cause — over a 19-year period.
Sample Fare: Green tea, red wine, dark chocolate, mangoes
Foods That Reduce Inflammation
Inflammation plays an important role in helping our immune system do its job, like attacking unwanted invaders like bacteria or viruses. But chronic inflammation is problematic for a number of health concerns, including your heart. Inflammation plays a pivotal part in the development of atherosclerosis (the buildup of plaque inside the arteries). “Almost all of us have some plaque in the blood vessels,” says Dr. Li. “If these rupture and break off, they can form a clot that can block blood flow, causing a heart attack or stroke.” Anti-inflammatory foods can help tamper down the chronic inflammation that can trigger this immune response.
Sample Fare: Dark leafy greens, citrus fruits, green tea, garlic
Foods That Improve the Microbiome
Your heart and gut have a surprisingly close relationship. “We have about 39 trillion bacteria that make up their own ecosystem in the gut, known as the microbiome,” explains Dr. Li. “These bacteria help to lower inflammation, reduce the amount of lipids in the body, and control blood pressure.” Eating foods that nourish your microbiome can also help your cardiovascular system.
Sample Fare: Prebiotics (which feed the bacteria that live in the gut) including lentils, walnuts, and mushrooms; Probiotic foods (rich in bacteria) including yogurt, kimchi, sauerkraut, and cheeses like Gouda and Parmigiano-Reggiano
Star Players
Want to lower your risk of heart disease while making your stomach happy? These foods (and beverages) can play an especially important role in keeping you healthy.
Dark Chocolate
As if we need one more reason to love chocolate, turns out it’s good for your heart, thanks to its rich source of natural polyphenols, which help protect blood vessels as well as boost overall heart function. It also helps stimulate stem cell production — a study from the University of California San Francisco among subjects with heart disease found those who had hot chocolate made with extra-potent dark chocolate twice a day had double the number of stem cells in their bloodstream, as well as improved blood flow, after 30 days. Dark chocolate also has a positive effect on gut microbiota, says Dr. Li.
Green Tea
A regular on lists of the world’s healthiest foods, it helps to reduce chronic inflammation, stimulate the growth of new blood vessels, feed the microbiome, and support the growth of stem cells. Green tea is especially rich in the polyphenol EGCG, which reduces harmful angiogenesis, lowers blood pressure, improves blood lipids, and has both antioxidant and anti-inflammatory properties.
Beer
Believe it or not, brewski has its own health benefits, thanks to bioactive compounds that float into beer during the fermentation process. One of these, xanthohumol, is a polyphenol that may help reduce the risk of heart disease, says Dr. Li. “Drinking a moderate amount of beer — one glass or bottle a day — can help lead to a reduced risk of cardiovascular disease,” he notes. The emphasis here, of course, is in moderation — too much of any alcohol is harmful to your overall health, and those liquid calories can add up.
Coffee
Your morning eye-opener contains a large number of natural chemicals, including chlorogenic acid, which helps blood vessels stay dilated and protects the heart, says Dr. Li. “It can also help prevent harmful blood vessels from growing into plaque, feeding its growth, which can cause it to rupture.” Studies have found that people who drink two to three cups of coffee daily may have a lower risk of heart disease.
Chicken Thighs
Dark chicken meat contains high levels of vitamin K2, or menaquinone, a naturally occurring fat-soluble vitamin. Research has shown that people who eat more foods rich in K2 had more than a 57 percent reduction in the chance of dying from heart disease and a 52 percent reduced risk for severe hardening of the arteries due to plaque buildup, says Dr. Li.
A version of this article appeared in our partner magazine, The Complete Guide to Heart Health, in 2019.
This article originally appeared on our sister site, Woman’s World.
NC Governor declares ‘state of emergency’ due to GOP school voucher expansion, tax cuts
T. Keung Hui – May 22, 2023
Kaitlin McKeown
Democratic Gov. Roy Cooper declared Monday that “public education in North Carolina is facing a state of emergency” in the face of “extreme legislation” being promoted by Republican state lawmakers.
In a video posted online Monday, Cooper said GOP lawmakers are “starving” public schools and “dropping an atomic bomb on public education” with plans to further cut taxes and increase funding for private school vouchers. He said the public needs to speak out against the changes before they’re adopted in the state budget.
“It’s clear that the Republican legislature is aiming to choke the life out of public education,” Cooper said. “I am declaring this state of emergency because you need to know what’s happening.
“If you care about public schools in North Carolina, it’s time to take immediate action and tell them to stop the damage that will set back our schools for a generation.”
Cooper’s speech comes as Republican legislative leaders are negotiating a state budget deal for the next two years that includes tax cuts and expansion of private school vouchers. The GOP has a legislative supermajority, so it can adopt a spending plan and other legislation without needing Cooper’s support.
The governor will hold public events across the state in the days ahead to call on parents, educators and business leaders to speak against the GOP proposals, the Associated Press reported.
Cooper, who can’t run again for a third consecutive term, has been losing political power. Last week, seven Democrats joined Republicans in passing the Senate budget proposal.
“Meaningless publicity stunts do nothing to improve educational outcomes in our state,” Randy Brechbiel, a spokesman for Senate leader Phil Berger, said in a statement Monday. “The House and Senate will continue working together to put forward budget proposals that address the needs of students and parents.”
‘Our teachers deserve better’
Under the Senate budget, average teacher pay would increase 4.5% over the next two years with the biggest increase going toward beginning educators. The House GOP budget had average 10.2% raises for teachers over the next two years.
Cooper has advocated for 18% raises for teachers over the next two years.
“Our teachers deserve better pay and more respect but the legislature wants to give them neither one,” Cooper said.
The $250 pay raise that the Senate would provide veteran teachers over the next two years “is a slap in the face,” Cooper said. He said the proposed Senate pay raise will not help the state deal with the thousands of teacher vacancies.
‘Cut public schools to the bone’
The Senate GOP budget would also expand the Opportunity Scholarship program so that any family, regardless of its income, would qualify to apply for vouchers to attend a K-12 private school.
Republicans point out that public education spending would grow by several hundred million dollars a year annually in their competing plans. And GOP leaders consider expansion of the private-school vouchers program part of a philosophy to give all children access to education options — whatever the source — to help them succeed.
But an Office of State Budget and Management analysis says the bill could cost traditional public schools $200 million in state funding, rural counties being particularly hard hit.
The Senate budget would also accelerate the tax cuts that Republicans put in previous budgets.
Cooper accused GOP lawmakers of wanting to help millionaires by giving them more tax cuts and making it possible for them to get private school vouchers. Currently, the Opportunity Scholarship program is limited to lower-to-middle-income families.
GOP lawmakers are choosing corporations and millionaires over public schools, the governor charged.
“Public school superintendents are telling me they’ll likely have to cut public schools to the bone — eliminate early college, AP and gifted courses, art, music, sports — if the legislature keeps draining funds to pay for private schools and those massive tax breaks,” Cooper said.
Trump Rolled Back Decades Of Clean Water Protections. The Supreme Court Just Went Even Further.
Alexander C. Kaufman, Chris D’Angelo – May 26, 2023
More than three decades ago, a Michigan man named John Rapanos tried to fill in three wetlands on his property to make way for a shopping center. State regulators warned him that doing so was illegal without federal Clean Water Act permits. Rapanos argued that you couldn’t navigate a boat from his wetlands to a federal waterway, so the Environmental Protection Agency had no jurisdiction on his land. When Rapanos ignored the EPA’s cease-and-desist letters, the government successfully brought a civil lawsuit against him, which he then vowed to “fight to the death.”
Instead, he made it all the way to the nation’s highest court. In a split decision in 2006, the Supreme Court overturned the judgment against Rapanos, but did not reach a majority ruling on whether wetlands that flowed into federally regulated “waters of the United States” qualified for the same protections.
In 2016, President Barack Obama sought to answer that question with a new EPA rule extending the Clean Water Act of 1972 to include millions of acres of marshes, bogs and lagoons whose water — and any pollution added to it — channel into already federally regulated waterways.
Republicans chided the move as a federal land grab, while environmentalists cheered what they saw as a reasonable interpretation of the decadesold law through the lens of the latest science shows about hydrology and the increasing threat of extreme droughts and toxic algae blooms.
In 2020, President Donald Trump rolled back much of the rule’s protections, slashing the total protected area of wetlands roughly in half. In 2022, President Joe Biden moved to restore the Obama-era rule.
On Thursday, the Supreme Court’s new right-wing supermajority revisited the 2006 decision to strike down federal protections for virtually all the wetlands Trump deregulated — and then some, eliminating even the few safeguards the Republican administration tried to preserve.
An environmental advocate holds up a sign during a rally outside the Supreme Court in October. (Photo by Paul Morigi/Getty Images for Protect our Waters)
An environmental advocate holds up a sign during a rally outside the Supreme Court in October. (Photo by Paul Morigi/Getty Images for Protect our Waters)
The 5-4 decision — written by Justice Samuel Alito, and joined by Justices John Roberts, Clarence Thomas, Neil Gorsuch and Amy Coney Barrett — revoked the Clean Water Act’s authority over at least 59 million acres of wetlands across the U.S., according to an estimate by the environmental group Earthjustice.
“You’re going to see the Clean Water Act significantly scaled back in terms of coverage,” said Duke McCall, a partner who specializes in federal water rules at the law firm Morgan Lewis. “The impacted waters are going to be significantly narrowed.”
The Obama administration included any wetlands linked to existing federal waterways via underground aquifers or streams. The Trump EPA narrowed the scope to only include wetlands with visible surface connections to rivers, lakes and other long-standing “waters of the United States.” But the Republican administration made an exception for wetlands cut off from federal waterways via a berm, bridge or other artificial barrier.
The court granted no such leeway, instead dismantling nearly half a century of established federal jurisdiction over wetlands — a fact that conservative Justice Brett Kavanaugh noted in his dissenting opinion.
At the very least, the ruling takes the U.S. back to the mid-1970s, to the early days of the Clean Water Act, said Emily Hammond, an energy and environmental law professor at George Washington University. But Hammond stressed it could be worse than that, noting that the majority’s opinion repeatedly cites the Supreme Court’s 1870 decision in The Daniel Ball case, which found that waterways are “navigable” only if they are “navigable in fact” and used for interstate or foreign commerce.
“It’s always been understood, I think, by courts and by Congress and by agencies that when Congress used the term ‘waters of the United States’ it meant to go further than that ‘navigable in fact’ standard that Daniel Ball stood for,” Hammond said. “To see the majority now citing that old decision suggests their eye is to shrink the scope of the Clean Water Act down back to where it would have been before we had a Clean Water Act.”
“In some ways, this takes us back that far,” Hammond said, referring to the 1870 case.
Kavanaugh wrote that while the last eight previous administrations dating back to 1977 “maintained dramatically different views of how to regulate the environment, including under the Clean Water Act,” all of them “recognized as a matter of law that the Clean Water Act’s coverage of adjacent wetlands means more than adjoining wetlands and also includes wetlands separated from covered waters by man-made dikes or barriers, natural river berms, beach dunes, or the like.”
Thursday’s ruling, he argued, will have “negative consequences for waters” across the country.
“By narrowing the Act’s coverage of wetlands to only adjoining wetlands, the Court’s new test will leave some long-regulated adjacent wetlands no longer covered by the Clean Water Act, with significant repercussions for water quality and flood control throughout the United States,” Kavanaugh wrote.
Michael and Chantell Sackett of Priest Lake, Idaho, pose for a photo in front of the Supreme Court in Washington on Oct. 14, 2011. The Supreme Court on Thursday, May 25, 2023, made it harder for the federal government to police water pollution in a decision that strips protections from wetlands that are isolated from larger bodies of water. The justices boosted property rights over concerns about clean water in a ruling in favor of an Idaho couple who sought to build a house near Priest Lake in the state’s panhandle.More
Michael and Chantell Sackett of Priest Lake, Idaho, pose for a photo in front of the Supreme Court in Washington on Oct. 14, 2011. The Supreme Court on Thursday, May 25, 2023, made it harder for the federal government to police water pollution in a decision that strips protections from wetlands that are isolated from larger bodies of water. The justices boosted property rights over concerns about clean water in a ruling in favor of an Idaho couple who sought to build a house near Priest Lake in the state’s panhandle.
The ruling is part of what liberal Justice Elena Kagan views as a clear trend by the court to curb the federal government’s legal authority to regulate pollution in an era of dramatic ecological upheaval — when other countries are taking drastic steps to preserve some semblance of nature’s current biodiversity and order. Last year, the Supreme Court drastically limited EPA’s authority to curb power plant emissions under the Clean Air Act.
“The vice in both instances is the same: the Court’s appointment of itself as the national decision-maker on environmental policy,” Kagan wrote. “So I’ll conclude, sadly, by repeating what I wrote last year, with the replacement of only a single word. ‘[T]he Court substitutes its own ideas about policymaking for Congress’s. The Court will not allow the Clean [Water] Act to work as Congress instructed. The Court, rather than Congress, will decide how much regulation is too much.’”
Last year, the Supreme Court took the unusual step of hearing a case on a defunct power plant regulation — the high court typically rejects suits with no active legal bearing — in what was widely seen as an attempt to preemptively stop the Biden administration from reviving a controversial Obama-era rule. The court’s six conservative justices, including Kavanaugh, ruled in favor of permanently sealing off the legal avenue the Obama administration took to justify parts of its Clean Power Plan regulation.
The conservative justices’ apparent partisan agenda is hardly the only perceived conflict of interest sowing mistrust in the nation’s highest court. The Trump-appointed Barrett, whose father spent much of his career working for Royal Dutch Shell, declined to recuse herself from key cases involving the oil giant, even as Justice Samuel Alito stepped aside over his disclosed investments in oil and companies.
The investigative news outlet ProPublica published a series of exposés over the past month revealing that Thomas, who was appointed by President George H. W. Bush, failed to disclose private jet trips and land deals he received from billionaire real-estate developer Harlan Crow. The National Multifamily Housing Council, which has close ties to Crow — the CEO of Crow Holdings Inc. is also the chair of that group, and three of Crow’s companies are dues-paying members — filed an amicus brief on an earlier iteration of this case, as HuffPost’s Paul Blumenthal reported.
Republican lawmakers celebrated Thursday’s decision as a win for family farmers crushed under the boot of regulators seeking to make living off the land ever harder and more complicated.
“In a huge win for farmers, ranchers, small business owners, and families — the Supreme Court has ditched the Obama/Biden WOTUS rule overreach once and for all,” Rep. Sam Graves (R-Mo.) wrote in a statement.
But while “farmers and small business owners have been held up” as the most sympathetic victims of purported government overreach, McCall said “developers are a huge affected group who have been strong opponents” of expanded wetland protections.
Another way that Thursday’s ruling turns the clock back to before the Clean Water Act was passed in 1972 is by effectively restoring a variable patchwork of state water rules, Hammond said.
“The Clean Water Act was designed of course to create some floor among the states so that we wouldn’t have the race to the bottom, polluters moving to states where they could pollute more because the policies were more lenient,” they said. “This decision so dramatically undermines the Clean Water Act that we do in a sense go back to the times of significant disparities among the states in terms of protections for our waters.”
“These kinds of decisions are starting to add up,” Hammond added. “There’s no doubt there will be cumulative impacts and we’ll see shifts as a result.”
CORRECTION: A previous version of this story suggested the facts of the Rapanos case occurred in the 2000s. They occurred in the 1980s.
These Science-Backed Supplements May Help Ease Joint Pain, According to Experts
Adele Jackson-Gibson – May 25, 2023
The 10 Best Supplements to Improve Joint HealthYulia Lisitsa – Getty Images
“Hearst Magazines and Yahoo may earn commission or revenue on some items through these links.”
We updated this article in May 2023 to add more information about each featured product, based on extensive research done by our team.
Anyone who’s experienced joint pain in their life knows how frustrating it can be. Even the most basic activities can be painful when your joint are stiff, inflamed, and achy. Although the pain can be temporary, like the kind of soreness you might feel after a long day being desk-bound, it can also stem from a chronic condition. In fact, about one in four adults with arthritis, or 15 million people, report experiencing severe joint pain. Thankfully, the best joint supplements might help.
Of course, for some people, relief can come in the form of over-the-counter medications like acetaminophen (Tylenol), ibuprofen (Advil, Motrin IB), and naproxen (Aleve), which can help lessen pain and reduce inflammation. However, long-term use of these painkillers can come with unpleasant side-effects.
That’s why many physicians suggest exploring other strategies to find relief. For example, eating a balanced diet rich in anti-inflammatory foods, strength training, and maintaining your ideal weight are “the most effective and proven way[s] to improve the symptoms of osteoarthritis,” says Elizabeth Matzkin, M.D., the surgical director of Women’s Musculoskeletal Health at Brigham and Women’s Hospital.
Meet the Experts:Elizabeth Matzkin, M.D., the surgical director of Women’s Musculoskeletal Health at Brigham and Women’s Hospital; Thomas Wnorowski Ph.D., a clinical and biomedical nutritionist and the lead researcher of the Neurolipid Research Foundation in Millville, NJ; Jordan Mazur, M.S., R.D., the coordinator of performance nutrition for the San Fransisco 49ers; Valentina Duong, A.P.D., owner of the Strength Dietitian; Kendra Clifford, N.D., a naturopathic doctor and birth doula at Uxbridge Chiropractic Centre in Ontario; Nicole M. Avena, Ph.D., a nutrition consultant and assistant professor of neuroscience at the Mount Sinai School of Medicine.
In addition to making lifestyle changes, some people turn to supplements to improve the health of their joints. But before you rush to the vitamin aisle of your pharmacy, beware: Not all of these supplements are the joint-relieving panaceas that they claim to be. And with so many options out there, sifting through the supplement aisle is definitely not a walk in the park—which is why we’ve done the work for you and found quality joint supplements recommended by medical pros to ease pain and improve your overall joint health. Before you shop, though, always consult your doctor and do your research to determine what’s best for you.
Ahead, check out expert-recommended supplements to help improve your joint health.
Dietary supplements are products intended to supplement the diet. They are not medicines and are not intended to treat, diagnose, mitigate, prevent, or cure diseases. Be cautious about taking dietary supplements if you are pregnant or nursing. Also, be careful about giving supplements to a child, unless recommended by their healthcare provider.
Collagen Peptides Powder
“Taking 20 to 30 grams of high-quality collagen [peptides] is a good preventative measure to provide the body what it needs to synthesize collagen, an important protein for joint and ligament health,” says Jordan Mazur, M.S., R.D., the coordinator of performance nutrition for the San Fransisco 49ers. He prefers this brand which has been certified and tested by NSF International and contains 11.9g of collagen peptides per scoop.
Though palmitoylethanolamide (PEA) is still being researched, some studies have suggested its potential for improving lower back pain and chronic pelvic pain. Nootropic Depot’s capsules are manufactured in facilities that are GMP-certified, with each capsule containing 400 mg of PEA. There is no recommended dosage for this particular nutrient, but 300 mg to 600 mg of PEA have been shown to be effective in certain cases. If you want to try this supplement, ask your doctor what dosage they recommend.
This nutrient is best absorbed when combined with black pepper (or piperine), which this brand includes. Experts from the Arthritis Foundation suggest that 100 mg daily can help ease osteoarthritis pain. Tribe’s vegan capsules contain 112.5mg per serving. The company also produces its supplements in Good Manufacturing Practice (GMP) approved facilities.
Joint Collagen Tablets Advanced Formula + Boswellia
This product contains collagen, boswellia, and turmeric—three joint health powerhouses. Nicole M. Avena, Ph.D., a nutrition consultant and assistant professor of neuroscience at the Mount Sinai School of Medicine, likes Youtheory’s variety because the company has been in the collagen supplement game for a long time. “Their ingredients are sourced from all over the world to ensure the highest quality, and their products are manufactured in their own facility,” says Avena. Youtheory’s facility is also Good Manufacturing Practice (GMP) certified.
Shop NowJoint Collagen Tablets Advanced Formula + Boswellia$18.17amazon.comProduct Shot ImageMore
Omega Triple Super Strength Fish Oil Capsules
Blackmores’ fish oil contains 540mg of EPA and 36 mg of DHA, making it a solid choice among fish oil supplements. Bonus: This is an Australian brand, which is worth noting because the Australian government regulates “complementary medicines” (aka supplements) as rigorously as they do pharmaceutical drugs. Blackmore also makes their products in GMP-certified facilities, which is another major plus.
Shop NowOmega Triple Super Strength Fish Oil Capsules$41.43amazon.comProduct Shot ImageMore
Super EPA & DHA Supplement
Thorne is a well-respected supplement brand that has had partnerships with the Mayo Clinic and has certifications from GMP and NSF. Its fish oil product “Super EPA” packs a decent serving of pain-relieving goodness: 425mg of EPA and 270mg of DHA per capsule.
Shop NowSuper EPA & DHA Supplement$36.00iherb.comProduct Shot ImageMore
Vitamin D3 Supplement
Nordic Naturals provides 1,000 IU of D3 that is non-GMO and third-party tested. The National Institutes of Health (NIH) recommends adults ages 19-70 get at least 800 IUs a day, which means this supplement’s got you covered.
Longvida comes recommended by Thomas Wnorowski Ph.D., a clinical and biomedical nutritionist and the lead researcher of the Neurolipid Research Foundation in Millville, NJ. It’s a “clean and effective source” of curcumin. This brand provides 400mg of “bioavailable” curcumin per capsule, which means your body will be able absorb most of the nutrients. The Arthritis Foundation says that the best dosage of curcumin to alleviate arthritis pain is 500 mg twice daily, but that amount might vary according to your needs.
Omgea-3 fats typically come from fish, but vegetarians or vegans can still find omega-3 supplements that are suitable with their diet. This pick from Deva is vegan-friendly, providing 500mg of DHA and EPA derived from algae oil instead of fish. The supplements are also produced in an FDA-inspected facility under GMP regulations.
Shop NowVegan Omega-3 DHA EPA$31.69amazon.comProduct Shot ImageMore
Devil’s Claw Dietary Supplement
This vegetarian formula contains 575mg of devil’s claw per capsule. While recommended dosages vary, experts at the Arthritis Foundation suggest adults take 750mg to 1,000mg three times a day. But again, consult your physician before deciding how much to take. Dosage aside, what’s great about Greenbush’s devil’s claw is that it was produced in FDA-inspected plants under GMP guidelines.
Just because a supplement has solid research backing it, that doesn’t mean whatever you find on the shelves of your pharmacy will be effective. For one thing, “products can have a wide range of dosages of their active ingredients,”says Kendra Clifford, N.D., a naturopathic doctor and birth doula at Uxbridge Chiropractic Centre in Ontario. “[But] in order for a supplement to work, there needs to be an effective dosage.”
While you can find general dosage recommendations from reliable sources like the Arthritis Foundation, an effective dose for you really depends on your condition, adds Clifford. A convo with your physician can help you figure out the right amount.
Once you nail that down, it’s time to select the brand. Keep in mind that the Food and Drug Administration (FDA) regulates dietary supplements under a different set of regulations than those covering “conventional” foods and drug products. You’ll want to find labels that have stamps of approval from third-party certification programs like Consumer Lab, NSF International, the US Pharmacopeial Convention (USP), or Good Manufacturing Practice to ensure that there are no harmful ingredients and that the product contains everything it claims to have.
Are joint supplements really effective?
It depends. In many cases, the research is mixed, so there are no definitive answers. For example, glucosamine and chondroitin are often touted for their joint pain-relieving abilities, but according to the American Academy of Orthopaedic Surgeons, these supplements are not much more effective than a placebo in treating arthritis pain. On the flip side, the Arthritis Foundation suggests otherwise and includes both glucosamine and chondroitin on its list of supplements that can help with arthritis symptoms.
The good news is, there are supplements out there that have less conflicting evidence, meaning they may be worth a try.
Which joint supplements have proven benefits?
So far, research shows that the supplements below may help improve joint pain and overall joint health:
✔️ Curcumin: This is the active compound in turmeric that gives the spice its flavor and color. It’s known for its anti-inflammatory effects, as it disrupts pro-inflammatory cells in the body, according to Wnorowski.
✔️ Boswellia: Boswellia serrata or Indian frankincense is one of those dark horses in the world of anti-inflammatories. According to the Arthritis Foundation, it works by blocking the enzymes that turn your food into the molecules that attack your joints. In 2018, researchers who conducted a systematic review of 20 osteoarthritis-relieving supplements found that boswellia extract was a standout for easing joint pain.
✔️ Collagen: One of the keys to preventing joint pain is to protect the cushy cartilage that protects your bones. Cartilage is partially made of a protein called collagen, which “plays a major role in the proper maintenance and strength of joint and ligament health,” says Mazur. A 2014 review suggests that collagen can protect cartilage, relieve pain, and potentially increase the strength of your bones.
✔️ Fish oil: The omega-3 fatty acids in fish oil have been extensively studied for their anti-inflammatory effects for many conditions, including arthritis. Some researchers have found that people suffering from osteoarthritis who took 200 mg of EPA and 400 mg of DHA (fish oil’s active ingredients) daily for 16 weeks experienced less chronic pain. Fish oil has also been proven to be an effective treatment for gout, a common but complex form of arthritis where symptoms tend to be more sudden and severe. For an effective fish oil supplement, you’ll want to find a brand that contains a minimum of 500mg of combined EPA and DHA, says Valentina Duong, A.P.D., owner of the Strength Dietitian.
✔️ Vitamin D: It won’t take the place of OTC painkillers, but it is vital for strong bones—including the ones that make up your joints. According to the National Institutes of Health (NIH), Vitamin D helps you absorb calcium, one of the major building blocks of your bones. It also regulates phosphate, which allows you to contract the muscles that move the bones of your joints.
Many of us need more of this essential nutrient. “Lower levels [of vitamin D] may result in bone, joint, and muscle pain,” says Kendra Clifford, N.D., a naturopathic doctor and birth doula at Uxbridge Chiropractic Centre in Ontario. “Bone aches can often be difficult to distinguish from muscle aches, therefore, vitamin D deficiency can be the direct cause of pain in many individuals.”
✔️ PEA: Palmitoylethanolamide was discovered in the 1950s as a potent anti-inflammatory, and it’s still being studied for its pain-relieving potential. Several studies have found that PEA can assist people with lower back pain and chronic pelvic pain. Clifford has found in her practice that PEA “is very well tolerated and can be used in at risk populations—such as those on a large number of medications—where typical pain relievers have a large number of adverse effects.”
✔️ Devil’s claw: Derived from a plant native to South Africa, this is a popular supplement in France and Germany to treat inflammation, arthritis, headaches, and low back pain. Taking devil’s claw for 8 to 12 weeks can reduce pain and improve joint function in people with osteoarthritis.
How we chose the best joint supplements
We consulted Elizabeth Matzkin, M.D., the surgical director of Women’s Musculoskeletal Health at Brigham and Women’s Hospital; Thomas Wnorowski Ph.D., a clinical and biomedical nutritionist and the lead researcher of the Neurolipid Research Foundation in Millville, NJ; Jordan Mazur, M.S., R.D., the coordinator of performance nutrition for the San Fransisco 49ers; Valentina Duong, A.P.D., owner of the Strength Dietitian; Kendra Clifford, N.D., a naturopathic doctor and birth doula at Uxbridge Chiropractic Centre in Ontario; and Nicole M. Avena, Ph.D., a nutrition consultant and assistant professor of neuroscience at the Mount Sinai School of Medicine. We also combed through countless ratings, reviews, and product specs online.
Why trust us
For more than 70 years, Prevention has been a leading provider of trustworthy health information, empowering readers with practical strategies to improve their physical, mental, and emotional well-being. Our editors interview medical experts to help guide our health-focused product selections. Prevention also examines hundreds of reviews—and often conducts personal testing done by our staff—to help you make informed decisions.