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ph365 facebook Washington, DC, Dec. 04, 2024 (GLOBE NEWSWIRE) -- Today Arabella Advisors announced the acquisition of the assets of Ribbon, a fiscal sponsorship technology solution. This acquisition includes Ribbon’s client contracts, a perpetual license to its software and domain, and team members to support the technology. The investment marks a significant step forward in Arabella’s commitment to expanding its suite of services and advancing its technology strategy to better serve changemakers across the philanthropic sector. “Arabella Advisors is committed to providing innovative solutions that enhance the capacity of organizations to drive meaningful change,” said Arabella Advisors’ CEO Himesh Bhise. “The acquisition of Ribbon’s assets, along with our ongoing technology investment, strengthens our ability to serve the philanthropic sector in new and effective ways and help a greater number of social impact organizations succeed.” Ribbon’s technology complements Arabella’s existing suite of services, creating a new tier of software-supported fiscal sponsorship options. This new tier will allow Arabella to meet the needs of a wider array of initiatives and projects, particularly those requiring affordable and efficient support. “The Ribbon software streamlines workflows, making fiscal sponsorship more accessible and affordable,” said Braden Fineberg, CEO of Ribbon. “We’re excited that Arabella Advisors, a leader in back-office solutions for nonprofits, will continue to deliver our technology and support our clients’ missions.” Organizations utilizing the Ribbon technology have praised the software for its speed, flexibility and affordability. “Ribbon enables our clients to easily and flexibly put their philanthropic dollars to work,” said Leah Barr, Social Impact Director at Foundation X. The acquisition of Ribbon’s assets reinforces Arabella’s reputation as an industry-leader in providing an expanded platform for capacity and solutions to nonprofits and philanthropic initiatives. “We welcome Ribbon’s clients and look forward to serving them in the long run with unmatched speed, flexibility and affordability,” said Bhise. “We are excited to utilize Ribbon’s technology and to leverage this investment to help changemakers maximize their impact.” ### About Arabella Advisors: Arabella Advisors is a business dedicated to making philanthropic work more efficient, effective, and equitable. Along with our clients, we are working to build a better future—one with healthy air, water, and food for all, with strong democracies and engaged citizens, with flourishing communities, expanded opportunity and enhanced equity. We help our clients by sharing our expertise and experience, which includes providing outsourced operational support to nonprofit organizations. Proudly a certified B Corporation, Arabella Advisors has been recognized as a Great Place to Work and is a two-time recipient of Entrepreneur Magazine’s “Best Entrepreneurial Companies” award.

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(BPT) - This article was sponsored and developed by Neurocrine Biosciences, Inc. Cerebral palsy (CP) is a neurodevelopmental disorder affecting movement and posture that begins in early childhood development. It is the most common cause of motor disability in children, affecting about one in 345 children in the United States. 1-2 It may happen as a result of lack of oxygen during or around birth, stroke, infection, a problem with metabolism or other problems that cause injury or affect the development of parts of the brain involved in movement control in the first few years of life. 3 CP is a permanent condition, affecting a person for their entire life. People living with CP typically have motor problems, which may include spasticity (abnormal muscle tightness), dyskinesia (uncontrolled movements) or ataxia (poor muscle control), and many people have a mix of these motor disorders. 4 Dyskinesia due to CP (DCP) is one of the most disabling forms of CP and impacts approximately 10% to 20% of people living with CP. 5-6 According to the Cerebral Palsy Foundation (CPF), the combination of irregular and unpredictable movements (chorea) and twisting and repeating movements (dystonia) often disrupt activities and cause significant functional impairment, including the ability to maintain balance, walk or fine motor control. 7 Heather Riordan, M.D., Neurologist and Movement Disorders Specialist, Director of the Phelps Center for Cerebral Palsy at the Kennedy Krieger Institute, discusses the symptoms of chorea and impact on patients in a video shared on the CPF website here . About 30% of people with DCP are affected mostly by these involuntary and irregular movements (chorea), while dystonia is the predominant motor finding in the remaining 70%. 8 However, it is common for both chorea and dystonia movements to be present together. 6 For people living with DCP, these movements can occur in any region of the body, including the arms and legs, torso and face and may vary in severity. They are often triggered or made worse by stimulation or stress. Because dyskinesia can occur at rest and/or when actively using the body, the problems with movement are very burdensome in day-to-day living, with discomfort and pain affecting the quality of life for people and their caregivers. 9 Jen Lyman, mom to a son with DCP, highlights how dyskinesia makes communicating more difficult. "The most difficult thing about dyskinesia is watching my son struggle to do things that he wants to do, but the extra movements get in the way...special things, such as using a touch screen to video chat with his grandmother, are nearly impossible despite his best efforts to use his hands and fingers. Something so simple, yet so special for him should be effortless." DCP has a wide-ranging impact on the individual, including lifelong challenges with movement, a higher risk of other medical issues, a higher rate of mental health challenges and difficulties with communication. 10-12 "Those of us who have the privilege to serve patients with dyskinetic, hyperkinetic or mixed cerebral palsy see the functional impact of this very challenging type of tone every day," said Susan Biffl, M.D., Rehabilitation Medicine Specialist at Rady Children's Hospital-San Diego and Assistant Professor at UC San Diego School of Medicine. "Patients face challenges with self-care, independence, mobility, communication, fine motor skills that affect occupational and recreational activities, swallowing, social interactions and even sleep. As this tone is variable, it is much more challenging to treat than more consistent tone issues, such as spasticity." Treatment Options There are currently no Food and Drug Administration-approved treatments for DCP. Dystonia and chorea are often managed separately as they respond differently to various treatments, which can make treatment challenging. 3 Most drugs being investigated for DCP have focused on dystonia, and more research is needed to determine potential treatments for chorea. New treatment options are needed to help manage these movement disorders and improve daily function and quality of life for those affected. "After 20 years of caring for individuals with cerebral palsy, I continue to find those with dyskinetic cerebral palsy among the most challenging to treat, largely due to the limited effectiveness of available pharmacologic options," said Joyce Oleszek, M.D., Professor, Department of Physical Medicine and Rehabilitation, University of Colorado School of Medicine. "There is an urgent need for more robust evidence to support pharmacologic treatments for this condition, given its profound impact on function, comfort and quality of life." Ongoing Research Clinical studies are important in the development of treatment options, allowing researchers to evaluate the safety and effectiveness of new medicines. The data from clinical studies are used to determine if an investigational treatment can be approved for use to treat certain disorders. There are ongoing clinical studies evaluating potential treatments for DCP, including one for chorea. Neurocrine Biosciences is conducting the KINECT ® -DCP clinical study, a Phase 3, randomized, double-blind placebo-controlled study investigating the study drug, valbenazine, for the treatment of DCP. The clinical study is currently enrolling children, adolescents and adults six to 70 years of age who have been diagnosed with DCP. "The Cerebral Palsy Foundation is excited to partner with Neurocrine Biosciences on this study," said Rachel Byrne, Executive Director of the Cerebral Palsy Foundation. "We are proud to support strong research that can potentially bring meaningful change to the lives of those living with cerebral palsy." If you or someone you know may be eligible for this research study, please visit the study website for additional information here: FindADCPStudy.com . REFERENCES © 2024 Neurocrine Biosciences, Inc. All Rights Reserved. CAP-NBI-US-0115 12/2024 NBI-98854-DCP3018_11DecMatRelease_v1.0_25November2024fatido Wolfe Research analysts listed stocks with potential dividend cuts as part of its “short screen stock ideas” report. These are stocks have more than 3.5% dividend yield, more than 3.5x net debt/EBITDA or more than 80% payout ratio or more than 80% dividend/FCFE (free cash

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The for ( ) stock entered a new percentile Wednesday, as it got a lift from 65 to 76. IBD's unique rating measures share price movement with a 1 (worst) to 99 (best) score. The rating shows how a stock's price performance over the trailing 52 weeks compares to all the other stocks in our database. Over 100 years of market history shows that the market's biggest winners tend to have an 80 or higher RS Rating as they launch their largest runs. See if Warrior Met Coal stock can continue to show renewed price strength and clear that threshold. Is Warrior Met Coal Stock A Buy? Warrior Met Coal stock is building a cup with handle with a 75.15 . See if the energy stock can clear the breakout price in heavy volume. The coal and natural gas company reported negative growth for both sales and earnings last quarter. Warrior Met Coal stock earns the No. 5 rank among its peers in the Energy-Coal industry group. ( ) is the top-ranked stock within the group.EDMONTON — Alberta Premier Danielle Smith says her government is making major changes to auto insurance, including rate hikes and switching to a predominantly no-fault claims model. Under the new system, car accident victims in most cases won’t be able to sue the party responsible for their injury and, instead, insurers would pay compensation at rates set by the government. By cutting down litigation costs, the government estimates that when the new system is in place in 2027, it could lead to savings of up to $400 per year for the average insurance premium. It's also promising better support and benefits for those hurt in collisions. "This is a care-focused system," Smith told a news conference at the legislature Thursday. “Instead of forcing people through complex legal processes in order to get the treatment that they need, the system default will be that those injured in collisions get the care they need to recover." Until the new model kicks in, insurers will be allowed to raise rates for good drivers up to 7.5 per cent each year, starting in January. The government said the hikes will help insurers pay rising legal costs and payouts along with covering off the impacts of natural disasters like hailstorms. The 7.5 per cent cap is more than double the United Conservative government’s rate increase cap of 3.7 per cent, which is set to expire at the end of the year. The province also rolled out some of the details of the new system. Among the changes, crash victims will be able to sue at-fault drivers for pain and suffering if the at-fault driver is convicted of a criminal offence, such as dangerous driving or impaired driving. If expenses go beyond what’s covered by the standard benefits, injured parties could also sue for out-of-pocket expenses. The government plans to create an independent body to allow those injured in traffic accidents the ability to appeal decisions made by insurers. Good driver rates won't apply for drivers who switch insurance companies. The changes mirror the kind of litigation currently allowed in Saskatchewan’s no-fault, public system. Based on government-commissioned reports, the changes could lead to the loss of between 650 and 800 legal support jobs. The province has declined to move toward a publicly delivered insurance system, despite estimates it would save drivers even more money in premium payments. Smith has pointed to prohibitively expensive startup costs approaching $3 billion for a public system, not to mention the loss of thousands of private sector jobs. Alberta NDP Leader Naheed Nenshi said the price tag for setting up a public option is dwarfed by how much extra Albertans pay in premiums. “(Smith) is basically saying, ‘I don't want to spend the money, but you get to spend the money when you pay your premium every month,'” Nenshi said. He said the UCP’s solution will only lead to higher premiums. The moves come after the Insurance Bureau of Canada warned the insurance "crisis" was only hurting drivers. Two private insurance companies have recently left the province while citing the squeeze of higher costs. The Alberta Superintendent of Insurance estimates one-third of the 67 auto insurers in 2023 lost money on the insurance. This report by The Canadian Press was first published Nov. 21, 2024. Lisa Johnson, The Canadian Press

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NoneJACKSONVILLE, Fla. — Greg McGarity had reason to be concerned. The Gator Bowl president kept a watchful eye on College Football Playoff scenarios all season and understood the fallout might affect his postseason matchup in Jacksonville. What if the Southeastern Conference got five teams into the expanded CFP? What if the Atlantic Coast Conference landed three spots? It was a math problem that was impossible to truly answer, even into late November. Four first-round playoff games, which will end with four good teams going home without a bowl game, had the potential to shake up the system. The good news for McGarity and other bowl organizers: Adding quality teams to power leagues — Oregon to the Big Ten, Texas to the SEC and SMU to the ACC — managed to ease much of the handwringing. McGarity and the Gator Bowl ended up with their highest-ranked team, No. 16 Ole Miss, in nearly two decades. "It really didn't lessen our pool much at all," McGarity said. "The SEC bowl pool strengthened with the addition of Texas and Oklahoma. You knew they were going to push traditional SEC teams up or down. Texas ended up pushing just about everyone down." The long waiting game was the latest twist for non-CFP bowls that have become adept at dealing with change. Efforts to match the top teams came and went in the 1990s and first decade of this century before the CFP became the first actual tournament in major college football. It was a four-team invitational — until this year, when the 12-team expanded format meant that four quality teams would not be in the mix for bowl games after they lose next week in the first round. "There's been a lot of things that we've kind of had to roll with," said Scott Ramsey, president of the Music City Bowl in Nashville, Tennessee. "I don't think the extra games changed our selection model to much degree. We used to look at the New York's Six before this, and that was 12 teams out of the bowl mix. The 12-team playoff is pretty much the same." Ramsey ended up with No. 23 Missouri against Iowa in his Dec. 30 bowl. A lot of so-called lesser bowl games do have high-profile teams — the ReliaQuest Bowl has No. 11 Alabama vs. Michigan (a rematch of last year's CFP semifinal), Texas A&M and USC will play in the Las Vegas Bowl while No. 14 South Carolina and No. 15 Miami, two CFP bubble teams, ended up in separate bowls in Orlando. "The stress of it is just the fact that the CFP takes that opening weekend," Las Vegas Bowl executive director John Saccenti said. "It kind of condenses the calendar a little bit." Bowl season opens Saturday with the Cricket Celebration Bowl. The first round of the CFP runs Dec. 20-21. It remains to be seen whether non-CFP bowls will see an impact from the new dynamic. They will know more by 2026, with a planned bowl reset looming. It could include CFP expansion from 12 to 14 teams and significant tweaks to the bowl system. More on-campus matchups? More diversity among cities selected to host semifinal and championship games? And would there be a trickle-down effect for everyone else? Demand for non-playoff bowls remains high, according to ESPN, despite increased focus on the expanded CFP and more players choosing to skip season finales to either enter the NCAA transfer portal or begin preparations for the NFL draft. "There's a natural appetite around the holidays for football and bowl games," Kurt Dargis, ESPN's senior director of programming and acquisitions, said at Sports Business Journal's Intercollegiate Athletics Forum last week in Las Vegas. "People still want to watch bowl games, regardless of what's going on with the playoff. ... It's obviously an unknown now with the expanded playoff, but we really feel like it's going to continue." The current bowl format runs through 2025. What lies ahead is anyone's guess. Could sponsors start paying athletes to play in bowl games? Could schools include hefty name, image and likeness incentives for players participating in bowls? Would conferences be willing to dump bowl tie-ins to provide a wider range of potential matchups? Are bowls ready to lean into more edginess like Pop-Tarts has done with its edible mascot? The path forward will be determined primarily by revenue, title sponsors, TV demand and ticket sales. "The one thing I have learned is we're going to serve our partners," Saccenti said. "We're going to be a part of the system that's there, and we're going to try to remain flexible and make sure that we're adjusting to what's going on in the world of postseason college football." Get local news delivered to your inbox!WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Pablo Martinez Monsivais, Associated Press Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. Mark Schiefelbein, Associated Press House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. J. Scott Applewhite, Associated Press Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Jon Bilous Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Olena Yakobchuk Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Bumble Dee Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. PeopleImages.com - Yuri A Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Cynthia Shirk Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members From Q1 2021 to Q4 2022 Up 4% From Q4 2022 to Q1 2023 Up 6% From Q4 2023 to Q1 2024 Up 24% The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates From 3.08% in Q4 2021 to 3.82% in Q1 2022 From 6.66% in Q4 2022 to 6.37% in Q1 2023 From 7.30% in Q1 2023 to 6.75% in Q4 2024 Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Shutterstock The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Jon Bilous Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Photo illustration by Michael Flocker // Stacker // Canva The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Stacker High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. Stacker For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stacker

St. Petersburg council approves $23M repair to hurricane-ravaged Tropicana Field roofPublished 4:21 pm Wednesday, November 27, 2024 By Staff Reports There are three games featuring a ranked team on Thursday’s college basketball schedule. Watch women’s college basketball, other live sports and more on Fubo. What is Fubo? Fubo is a streaming service that gives you access to your favorite live sports and shows on demand. Use our link to sign up for a free trial. Catch tons of live women’s college basketball , plus original programming, with ESPN+ or the Disney Bundle.The caves of Caves of Qud have always been a rich source of mystery and adventure in the ambitious sci-fi sandbox roguelike, but for its final foray out of Early Access and into the unknown on December 5th (oh hey, that's today ), the game is set to reveal what waits in the stars far above. A fitting finale for a story rich in cosmic weirdness. After fifteen years of development (many of them spent hinting at this potential finale) the launch trailer from today's PC Gaming Show: Most Wanted not only builds on the poetic narration that got me interested in the game in the first place, but also confirms that players will finally be ascending the Spindle, the massive space elevator that has sat at the center of Qud’s post-post-post-post-apocalyptic landscape. Given that Earth in this setting is already an incoherent melting pot of strange mutant creatures, forgotten civilizations and reality-warping technology, it surely can’t get that much weirder in space, right? But at this point, nothing could surprise me, especially considering the massive mechanical twist (which I shall not elaborate on for fear of spoiling an amazing surprise) which the game already hits players with in its penultimate act. The past couple years of development have been very eventful for Caves of Qud. Most recently the game was blessed with a comprehensive tutorial that should help new players survive their first few days of exploration. Help, but not guarantee; this is a very hostile world still. Before that it got a major UI update, making the whole thing fully playable with gamepad or mouse, and featuring some nice details like a dynamic paper-doll equipment screen that grows based on how many limbs, heads or other body parts you may have. A number that can change drastically over the course of play, especially if you’re a mutant with the chimera perk. All good changes that make a previously intimidating game more accessible (seemingly a key focus for new publisher Kitfox Games, fresh from overhauling Dwarf Fortress), but I still reckon the most important change was the formal introduction of two game modes in 2021: ‘Roleplay’ and ‘Wander’. The former allows players to save their game at towns (thus sparing them the indignity of losing a promising character 20 or more hours into the main story) while the latter shifts gameplay away from combat, with XP granted solely through exploration, and only truly territorial creatures attacking on sight. Even in early access, Caves Of Qud sits comfortably at the 80th spot in our Top 100 PC Games list. Perhaps ascending the Spindle will help it climb even further next year? Caves of Qud concludes its long ascent out of early access today, and you can pick it up for £24.99/$29.99 on Steam , Itch and GOG . The biggest gaming news, reviews and hardware deals Keep up to date with the most important stories and the best deals, as picked by the PC Gamer team.JACKSONVILLE, Fla. — Greg McGarity had reason to be concerned. The Gator Bowl president kept a watchful eye on College Football Playoff scenarios all season and understood the fallout might affect his postseason matchup in Jacksonville. What if the Southeastern Conference got five teams into the expanded CFP? What if the Atlantic Coast Conference landed three spots? It was a math problem that was impossible to truly answer, even into late November. Four first-round playoff games, which will end with four good teams going home without a bowl game, had the potential to shake up the system. The good news for McGarity and other bowl organizers: Adding quality teams to power leagues — Oregon to the Big Ten, Texas to the SEC and SMU to the ACC — managed to ease much of the handwringing. McGarity and the Gator Bowl ended up with their highest-ranked team, No. 16 Ole Miss, in nearly two decades. "It really didn't lessen our pool much at all," McGarity said. "The SEC bowl pool strengthened with the addition of Texas and Oklahoma. You knew they were going to push traditional SEC teams up or down. Texas ended up pushing just about everyone down." The long waiting game was the latest twist for non-CFP bowls that have become adept at dealing with change. Efforts to match the top teams came and went in the 1990s and first decade of this century before the CFP became the first actual tournament in major college football. It was a four-team invitational — until this year, when the 12-team expanded format meant that four quality teams would not be in the mix for bowl games after they lose next week in the first round. "There's been a lot of things that we've kind of had to roll with," said Scott Ramsey, president of the Music City Bowl in Nashville, Tennessee. "I don't think the extra games changed our selection model to much degree. We used to look at the New York's Six before this, and that was 12 teams out of the bowl mix. The 12-team playoff is pretty much the same." Ramsey ended up with No. 23 Missouri against Iowa in his Dec. 30 bowl. A lot of so-called lesser bowl games do have high-profile teams — the ReliaQuest Bowl has No. 11 Alabama vs. Michigan (a rematch of last year's CFP semifinal), Texas A&M and USC will play in the Las Vegas Bowl while No. 14 South Carolina and No. 15 Miami, two CFP bubble teams, ended up in separate bowls in Orlando. "The stress of it is just the fact that the CFP takes that opening weekend," Las Vegas Bowl executive director John Saccenti said. "It kind of condenses the calendar a little bit." Bowl season opens Saturday with the Cricket Celebration Bowl. The first round of the CFP runs Dec. 20-21. It remains to be seen whether non-CFP bowls will see an impact from the new dynamic. They will know more by 2026, with a planned bowl reset looming. It could include CFP expansion from 12 to 14 teams and significant tweaks to the bowl system. More on-campus matchups? More diversity among cities selected to host semifinal and championship games? And would there be a trickle-down effect for everyone else? Demand for non-playoff bowls remains high, according to ESPN, despite increased focus on the expanded CFP and more players choosing to skip season finales to either enter the NCAA transfer portal or begin preparations for the NFL draft. "There's a natural appetite around the holidays for football and bowl games," Kurt Dargis, ESPN's senior director of programming and acquisitions, said at Sports Business Journal's Intercollegiate Athletics Forum last week in Las Vegas. "People still want to watch bowl games, regardless of what's going on with the playoff. ... It's obviously an unknown now with the expanded playoff, but we really feel like it's going to continue." The current bowl format runs through 2025. What lies ahead is anyone's guess. Could sponsors start paying athletes to play in bowl games? Could schools include hefty name, image and likeness incentives for players participating in bowls? Would conferences be willing to dump bowl tie-ins to provide a wider range of potential matchups? Are bowls ready to lean into more edginess like Pop-Tarts has done with its edible mascot? The path forward will be determined primarily by revenue, title sponsors, TV demand and ticket sales. "The one thing I have learned is we're going to serve our partners," Saccenti said. "We're going to be a part of the system that's there, and we're going to try to remain flexible and make sure that we're adjusting to what's going on in the world of postseason college football." Get local news delivered to your inbox!

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