Philadelphia Line Of Credit – OHCD Phila http://ohcdphila.org/ Tue, 05 Jul 2022 09:05:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://ohcdphila.org/wp-content/uploads/2021/06/icon-5-150x150.png Philadelphia Line Of Credit – OHCD Phila http://ohcdphila.org/ 32 32 Medical Debt Credit Score Changes Coming July 1 https://ohcdphila.org/medical-debt-credit-score-changes-coming-july-1/ Tue, 05 Jul 2022 09:05:12 +0000 https://ohcdphila.org/medical-debt-credit-score-changes-coming-july-1/ Starting July 1, the three biggest credit reporting agencies — Equifax, Experian and TransUnion — are changing the way medical debt affects people’s credit scores. Medical debt has become pervasive as health care and insurance costs continue to rise, while incomes have failed to keep up with inflation. About 23 million people in the United […]]]>

Starting July 1, the three biggest credit reporting agencies — Equifax, Experian and TransUnion — are changing the way medical debt affects people’s credit scores.

Medical debt has become pervasive as health care and insurance costs continue to rise, while incomes have failed to keep up with inflation. About 23 million people in the United States, or about 9% of the population, need at least $250 in medical expensesaccording to the Peterson-Kaiser Family Foundation Health System Tracker.

Black people, women, people with complex medical conditions and low-income people are most likely to have medical debt and report the highest amounts of medical debt, the survey found. When this debt is factored into credit scores, already vulnerable people may find it even harder to get a car loan, mortgage or new line of credit.

Here’s what you need to learn about changes in how medical debt affects credit scores.

From July 1, the medical debt will be removed from your credit report as soon as it is paid. This applies to new debt or existing debt that could lower your credit score.

At the same time, medical debt not show up in your credit score until it has been overdue for a year. Previously, medical debt could show up in credit scores after six months.

From next year, only a medical debt of at least $500 can be reflected in your credit score.

Debts such as unpaid credit cards or utility bills, and missed car loan or mortgage payments are seen as a reflection of a person’s financial responsibility and stability, Jim Francis said. , partner in the law firm Francis Mailman Soulimas. But search found this most medical debt does not reflect a person’s financial acumen. Medical bills are often unexpected, the cost of care can be difficult to know in advance, and billing errors are common.

Most medical providers do not report medical debt to credit reporting agencies. But when hospitals or medical practices sell medical debt to a collection agency (usually only after being delinquent for several months) it can be reported.

Check your credit score regularly. Free reports are available at annualcreditreport.com/index.action. You may have heard that checking your credit score can lower it. Not true. “Serious” inquiries — when a lender checks your credit report — can lower your grade by a few points. But consumers can check their own credit report as many times as they want without penalty.

Pay your bills as soon as you can. If you can’t afford to pay the full bill, contact the provider to find out if you qualify for financial assistance or a payment plan.

Immediately contact the service provider and your health insurance if you think you were charged in error, Francis said. Incorrect medical bills can take months to correct, and postponing the task will only delay the process further.

If your claim has already been forwarded to a collection agency and reported to credit reporting agencies, file a dispute with the three national credit reporting agencies by calling or visiting their websites, he said. Learn more about your rights on the Consumer Financial Protection Bureau website, consumerfinance.gov/medicaldebt.

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USFL Championship high scores with dominant stallions top best bets for Sunday July 3 | sports betting https://ohcdphila.org/usfl-championship-high-scores-with-dominant-stallions-top-best-bets-for-sunday-july-3-sports-betting/ Sun, 03 Jul 2022 12:55:00 +0000 https://ohcdphila.org/usfl-championship-high-scores-with-dominant-stallions-top-best-bets-for-sunday-july-3-sports-betting/ Every day, one of our experts at Bet.NOLA.com will offer a better bet (or two or three) than Louisiana mobile sportsbooks offer. It can be a traditional spread bet, a player prop, or one of the various odds boosts offered by the books. A quick reminder for those who haven’t registered yet: Caesars offers a […]]]>

Every day, one of our experts at Bet.NOLA.com will offer a better bet (or two or three) than Louisiana mobile sportsbooks offer. It can be a traditional spread bet, a player prop, or one of the various odds boosts offered by the books.

A quick reminder for those who haven’t registered yet: Caesars offers a deal through bet.NOLA.com in which one can get a risk-free bet up to $1,500. In other words, if you were to lose your first bet after registering, you will receive credit for a bet equal to your bet amount up to $1,500.

Best bets for Sunday July 3:

BEST GAME

The game: USFL Championship parlay, stallions (-4½) on stars, plus total points on

Odds/bet: +100 ($20 to earn $50)

The book: Caesars Sportsbook

Time/TV: 6:30 p.m. (fox)

Our opinion : The USFL’s inaugural season ends tonight in the championship game between the Philadelphia Stars and Birmingham Stallions. The Stars, who finished the regular season at 6-4, upset the New Jersey Generals last week in a 19-14 win.

Meanwhile, the Stallions come into the game after a two-touchdown win over the New Orleans Breakers. The last time these two teams met was in Week 5, when the Stallions beat the Stars 30-17.

We see a game in the same scoring range and the total final score to reach above the 45½ over/under line set for the game. Expect Stallions quarterback J’Mar Smith to have a big game, and there’s just not enough consistency from the Stars quarterback to trust them to win the game.

Sports betting is here in Louisiana. Get updates and analysis from our experts delivered to your inbox.

It should be a fun game to watch, though, as we enter our final month before the college and NFL seasons begin.

HOW FAR WE GOTOF

Saturday’s best bets

  • PGA John Deere Classic, Denny McCarthy better third round than JT Poston (WINS $30)
  • MLB Money Line, San Diego Padres vs. Los Angeles Dodgers ($10 LOSS)

Saturday profit/loss: +$20 (1-1)

Also lost two pending bets, Iga Swiatek to win Wimbledon from Wednesday and Wimbledon money-line parlay from Tuesday (LOST $60)

Total for this week: -$97.10 (4-9, 1 pending)

Total for July: -$14.85 (3-4)

Total for 2022: +$39.70 (170-182, 1 pending)

REMARK: If a line or odds are negative, it considers the juice needed to place the bet. Ex: Team A is at -160 on the money line, you would have to bet $160 to win $100 (or $16 to win $10). OR Team B is a 5 point favorite at -110, you would have to bet $110 to win $100 (or $11 to win $10.)

Conversely, on the positive lines, if Team C is at +140 on the money line, a $100 will win $140 (or $10 to win $14).

Game problem? Dial 1-877-770-STOP. Or visit This site.

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2022 off-season power rankings: Where do the Jaguars land before training camp? https://ohcdphila.org/2022-off-season-power-rankings-where-do-the-jaguars-land-before-training-camp/ Sat, 02 Jul 2022 01:57:28 +0000 https://ohcdphila.org/2022-off-season-power-rankings-where-do-the-jaguars-land-before-training-camp/ We have already seen how the FanNation network overlaps each team’s offseason. The biggest questions have been answered. The biggest moves have been made. Now the table is set for the 2022 season. With the offseason over and training camp just weeks away, we’ve taken our turn in determining the landscape of the NFL’s upcoming […]]]>

We have already seen how the FanNation network overlaps each team’s offseason. The biggest questions have been answered. The biggest moves have been made. Now the table is set for the 2022 season.

With the offseason over and training camp just weeks away, we’ve taken our turn in determining the landscape of the NFL’s upcoming season. Which teams are sleepers, who are contenders, who are contenders and everything in between.

So where do the Jaguars compare to the rest of the NFL before camp? We break it down below.

Level 5

No. 32: Carolina Panthers

The Panthers have added some strong young players this offseason, but the roster is still one of the most limited in the NFL, Matt Rhule hasn’t proven himself to be anything more than a low-level coach, and Sam Darnold is still their quarterback.

No. 31: Houston Texans

The Texans haven’t made many hard-hitting moves this offseason outside of taking Derek Stingley Jr. at No. 3. Lovie Smith is a better head coach than he’s given credit for, but time will tell if David Mills is more than a usable flash. In the caserole.

No. 30: Chicago Bears

A year after Justin Fields struggled behind a poor Bears offensive line in a bad pattern, the Bears offense may have improved in pattern but arguably declined in overall offensive talent. The Bears have made no move to push them past that final level this offseason.

No. 29: Seattle Seahawks

Drew Lock and Geno Smith aren’t the answers. The Seahawks roster is in a weird spot right now, and bad quarterback play will only amplify that.

No. 28: New York Giants

The New York Giants made two excellent first-round picks and hired what appears to be a strong head coach/general manager duo, but they’re still recovering from years of mismanaging the roster. Also, Daniel Jones.

Level 4

No. 27: Atlanta Falcons

The Falcons roster is seriously lacking in places, but Arthur Smith knows how to plan an offense and they have some interesting pieces in the skill set and secondary.

No. 26: Jacksonville Jaguars

The Jaguars improved both their roster and their coaching staff this offseason, setting the team up for an improved season, especially from quarterback Trevor Lawrence. The Jaguars’ ceiling is still a mystery, but they have a good chance of raising their floor and becoming competitive if all goes well.

No. 25: New York Jets

The Jets have a strong roster in many areas, but they still have an unproven coaching staff and a quarterback who needs to prove themselves in a big way in 2022.

No. 24: Detroit Lions

Detroit is clearly the “good vibes” team in the 2022 offseason. A frequent pick to be a surprise team, I think the Lions are closer to that ranking given their secondary and quarterback situations, but they are a solid team that should improve this year.

No. 23: Minnesota Vikings

The Vikings have solid players in key positions on both sides of the ball, but their relative lack of depth combined with their new coaching staff makes them feel like a not-so-great team, but one that doesn’t. isn’t great either.

No. 22: Washington Commanders

Washington has a strong leader at head coach, but they have depth issues on both sides of the ball and a question mark at quarterback and defensive coordinator.

No. 21: Miami Dolphins

Miami has an unproven head coach and quarterback, but they have weapons on offense and defense and plans that should help either side of the ball.

No. 20: Pittsburgh Steelers

The Steelers face depth issues and start either a rookie or Mitch Trubisky at quarterback, but they still have one of the best head coaches in the NFL in Mike Tomlin.

Level 3

No. 19: Tennessee Titans

Tennessee ended last year on a low note and it looks like their roster has slipped this season. They have a good head coach, but has he ever been as good as he will be with Ryan Tannehill?

No. 18: New England Patriots

The Patriots have solid pieces on both sides of the ball, but their lineup is far from complete. Add to that the weirdness of their situation as an offensive caller and it seems fair.

No. 17: Philadelphia Eagles

The Eagles have one of the most comprehensive rosters in the game in many ways, but Jalen Hurts has yet to prove himself as a quarterback while the defense needs to take another step forward.

No. 16: New Orleans Saints

They have strong pieces in defense, offensive line and skill positions, and Jameis Winston is underrated. Still, Dennis Allen is just OK as a head coach.

No. 15: San Francisco 49ers

A team that could finish even higher given their potential on both sides of the ball. The 49ers will ride and die with Trey Lance, but they have a head coach who can make it easy for him.

No. 14: Las Vegas Raiders

The Raiders are solid in every aspect, spectacular in none. They have a good quarterback, weapons and pieces on defense. If Josh McDaniels can coach, they’re in good shape.

No. 13: Indianapolis Colts

The Colts are a solid team with a good head coach and a respectable quarterback in Matt Ryan. As long as they can get out of their own way, they should be able to ride out the bump this year.

No. 12: Cleveland Browns

The Browns should feel bad.

No. 11: Dallas Cowboys

The Cowboys are stacked on both sides of the ball but… Mike McCarthy.

Level 2

No. 10: Baltimore Ravens

The Ravens have depth issues to contend with after a year of injuries and big moves, but Lamar Jackson is still one of the most dangerous offensive players in the NFL in any given week and their defense looks legit. On paper.

No. 9: Arizona Cardinals

Kyler Murray and the Arizona Cardinals have been looking to get over the hump for what feels like years now. This should be the year they do after retooling yet again this offseason.

No. 8: Denver Broncos

This is a projection as we have yet to see how Nathaniel Hackett runs a team as head coach and referee, but they have added a top quarterback and have talent in key positions.

No. 7: Cincinnati Bengals

The Bengals have arguably improved on last year’s roster. Joe Burrow has established himself as one of the best quarterbacks and the Bengals are here to stay.

No. 6: Los Angeles Chargers

It’s a projection of course, but Justin Herbert is a rare talent and they have the defensive and offensive pieces to make some noise.

Level 1

No. 5: Kansas City Chiefs

Don’t bet against Patrick Mahomes and Andy Reid. They may not have the most complete squad, but they are among the elite in the two most important positions.

No. 4: Tampa Bay Buccaneers

The Buccaneers won’t have certain key players at times this season that they had in previous years, but Tom Brady is still elite and their defense has the pieces to stay near the top of the NFL.

No. 3: Green Bay Packers

The Packers lost the NFL’s leading receiver, but they should have an improved front seven, another year of strong secondary play and another year of Aaron Rodgers being Aaron Rodgers.

No. 2: Los Angeles Rams

The returning champions might be in danger of a Super Bowl hangover, but they have some of the best players in the league at quarterback, receiver, defensive tackle and cornerback. Add to that their coaching staff and it’s hard to bet against them.

No. 1: Buffalo Bills

Elite quarterback, elite roster, elite coaching staff. The Bills change offensive coordinators, but they’re as good as they come.

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Credit card hold of up to $175 at gas stations https://ohcdphila.org/credit-card-hold-of-up-to-175-at-gas-stations/ Wed, 29 Jun 2022 18:20:45 +0000 https://ohcdphila.org/credit-card-hold-of-up-to-175-at-gas-stations/ (Photo by Justin Sullivan/Getty Images) With rising gas prices, the standard credit card hold goes up, sky high! Visa and Mastercard both have gas stations authorized to hold up to $175 on your credit or debit card when you fill up at the pump. Although this is just a credit card hold and the charges […]]]>

(Photo by Justin Sullivan/Getty Images)

With rising gas prices, the standard credit card hold goes up, sky high!

Visa and Mastercard both have gas stations authorized to hold up to $175 on your credit or debit card when you fill up at the pump.

Although this is just a credit card hold and the charges are reconciled to the actual amount, the time it takes for this to happen can be long.

Some gas station credit card systems can last anywhere from a few hours to a few days.

“When you set a hold that is a high number, it increases the likelihood that a consumer will be overdrawn because of that hold,” said Jeff Lenard of the National Association of Convenience Stores. the wall street journal In Monday.

“However, if you set a number too low, you also risk not getting paid for that transaction.”

How to bypass gas station credit card hold?

According Kelly’s Blue Bookyou can try two things.

  1. Enter and pre-authorize a smaller transaction. This eliminates the convenience of paying directly at the pump, but if you tell the clerk to only charge you $40, the only amount charged at that time will be the $40.
  2. Ditch the credit card or debit card altogether and just pay cash. Again, this requires going inside the gas station and reduces convenience, but avoids credit card headaches.

The cost of gas in the year you were born

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Atlanta has more assets than any American metropolis https://ohcdphila.org/atlanta-has-more-assets-than-any-american-metropolis/ Mon, 27 Jun 2022 17:13:49 +0000 https://ohcdphila.org/atlanta-has-more-assets-than-any-american-metropolis/ Placeholder while loading article actions Atlanta emerges from Covid-19 with impeccable credit, the world’s busiest airport and an economy generating two-thirds of Georgia’s gross domestic product. It is home to 13 S&P 500 index companies, including Delta Airlines Inc. and Home Depot Inc., whose sales and market valuations make them the world’s No. 1 in […]]]>
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Atlanta emerges from Covid-19 with impeccable credit, the world’s busiest airport and an economy generating two-thirds of Georgia’s gross domestic product. It is home to 13 S&P 500 index companies, including Delta Airlines Inc. and Home Depot Inc., whose sales and market valuations make them the world’s No. 1 in their respective sectors. At 2.4%, Atlanta’s unemployment rate is at an all-time high and below the national average of 3.6%, according to data compiled by Bloomberg.

“Wakanda” and “Silicon Peach” are the new nicknames for the city, because so much of the hit Black Panther film was made where so many “techstars” rise. Diversity highlights all businesses in the second-largest majority-black metropolitan area with one of the highest LGBTQ populations per capita in the United States. Unlike its economic peers, Atlanta has been led by a black Democrat since 1974 and is the main reason the state in 2020 backed the first Democrat in nearly 30 years for president.

When Maynard Jackson became the first black mayor of a major Southern city in 1974, garnering 60% of the vote, his two greatest initiatives would stand the test of time: making Atlanta’s black citizens essential players in the economy, which required massive changes. in corporate culture and public works, including upgrading what was then William B. Hartsfield Atlanta International Airport and expanding the Metropolitan Atlanta Rapid Transit Authority rail system ( MARTA). Jackson was so effective in transforming Atlanta into a global transportation hub that as the city’s longest-serving mayor after William B. Hartsfield, his legacy is the renowned Hartsfield-Jackson Atlanta International Airport.

Andre Dickens, the 47-year-old former city council member who was elected Atlanta’s 61st mayor by winning 64% of the vote in November, inherits all the problems of big-city mayors, especially the shortage of affordable housing and the rise in homicides. He is familiar with Jackson’s program and is determined to see increased bank lending to marginalized borrowers and to persuade businesses to ensure that at least 30% of their workforce is made up of local residents.

When Microsoft Corp. recently opened new offices in Midtown for 2,500 employees and purchased land for another 10,000, Dickens said he told the software company’s president, Brad Smith, that “if you import all that talent from Redmond (Washington) or San Francisco or the coast because they can live on $150,000 and you drop them in Atlanta, where you have people making less than $15 an hour, you’re going to disrupt our ecosystem.

Housing is his biggest challenge. “We’ve raised $65 million in this year’s budget just for affordable housing,” Dickens said in an interview with reporters and editors from Bloomberg News’ Atlanta bureau earlier this month. “Part of that is rent stabilization, to help people who raise their hands and say, ‘My rent went up $250 and I just don’t have it. We will therefore help these people to stay directly at home. The federal Community Reinvestment Act “was there to protect existing homeowners,” Dickens said, “by making sure we got reinvestment.” “It could be a 2.0 or higher version of ‘ARC’ just to keep communities out of being invaded by bank investors,” he said.

Luckily for Dickens, the city of 510,000 outshines big cities with larger urban populations, such as Los Angeles, Houston and New York, as well as similarly sized Miami, Milwaukee and Sacramento, with a coveted superlative: exceptional creditworthiness. . As municipal finances have deteriorated nationwide during the pandemic, data compiled by Bloomberg shows Atlanta earned the best measure of credit quality based on 10 economic criteria: total assets, building permits , total liabilities, house price index, excess of income over expenditure, other funds , property tax revenue, median income, non-farm employment and unemployment.

The combination of falling liabilities, rising tax revenue and median income proves unbeatable, giving Atlanta Bloomberg the highest investment grade of IGI 1, higher than struggling Chicago (DS1), Philadelphia (IG4), New York, Milwaukee, Miami (IG3), Houston, Kansas City, Los Angeles and Sacramento (IG2). Only Phoenix, with a population nearly three and a half times that of Atlanta, can match its creditworthiness, according to data compiled by Bloomberg.

No American city comes close to the success of Hartfield-Jackson Atlanta International Airport, perennial No. 1 in the world and whose passenger traffic has increased 76.4% from the depths of the pandemic in 2020 to 75, 7 million in 2021, according to Airports Council International. In the United States, Dallas/Fort Worth, Texas is also ranked No. 2, with 62.5 million. “Our airport is extremely useful” because people want the ability to fly anywhere in the United States, which Atlanta makes easier than its competitors, Dickens said.

The other ingredient of Atlanta’s exceptionalism is the city’s diverse business community, Dickens said, pointing to the Women Entrepreneurship Initiative, which bills itself as the only city-funded program of its kind in the country. . “Does no place in the country have this depth and breadth of black talent, let alone black female talent,” he said. “If you’re supporting black women business owners, you’re basically supporting family in the community, and I love that logic model.”

This is another reason why Atlanta has more assets than any American metropolis.

More other writers at Bloomberg Opinion:

California drought won’t be an economic disaster: Francis WilkinsonLas Vegas hits the jackpot with the return of Formula 1: Trung PhanNo abortion means poor states will get poorer: Allison Schrager

This column does not necessarily reflect the opinion of the Editorial Board or of Bloomberg LP and its owners.

Matthew A. Winkler, Editor Emeritus of Bloomberg News, writes about the markets.

More stories like this are available at bloomberg.com/opinion

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USFL playoffs: Eight postseason players on the NFL radar https://ohcdphila.org/usfl-playoffs-eight-postseason-players-on-the-nfl-radar/ Fri, 24 Jun 2022 17:44:36 +0000 https://ohcdphila.org/usfl-playoffs-eight-postseason-players-on-the-nfl-radar/ By Eric D. WilliamsFOX sportswriter After coaching for 23 years in the NFL, Tampa Bay Bandits Head coach Todd Haley knows a player with that caliber of talent when he sees one. For Haley, many of these types of players were on the field to show off their skills during the USFL regular season in […]]]>

By Eric D. Williams
FOX sportswriter

After coaching for 23 years in the NFL, Tampa Bay Bandits Head coach Todd Haley knows a player with that caliber of talent when he sees one.

For Haley, many of these types of players were on the field to show off their skills during the USFL regular season in Birmingham.

“There’s a decent group of players on this team that I think should have the opportunity to compete at the NFL level,” Haley said. “Or at least go to camps and have the opportunity to form teams. That’s what it’s all about, just keeping that dream alive of playing the sport they love.”

While the Haley Bandits didn’t make the playoffs, four other teams will have the chance to continue chasing a USFL title this weekend at Tom Benson Hall of Fame Stadium in Canton, Ohio.

The top two teams in the North Division meet at 3 p.m. ET Saturday on FOX, when the New Jersey Generals take on the Philadelphia Stars.

The Birmingham Stallions, the top team in the South Division, will next face the New Orleans Breakers at 8 p.m. ET on NBC in the other semifinal.

The winners of those games will face off for the USFL title at 7:30 p.m. ET on July 3 on FOX.

Several playoff players will have the chance to make NFL training camp rosters in a month. FOX Sports spoke with NFL scouts and other league staff to get their thoughts on some of the players the league will try to secure once the USFL season is over.

Victor Bolden Jr.WR, Stallions

The Oregon State product spent time in the league with the San Francisco 49ers, Buffalo Bills and Detroit Lions, so he has an NFL pedigree.

Bolden led the Stallions in receptions (42) and receiving yards (193). He also finished with 645 punt return yards in the regular season.

Bolden is just 5-foot-9 and 175 pounds, but scouts love his sticky hands, versatility and ability to shake things up after the catch. Bolden led the league in all-purpose yards (1,209) and was selected All-USFL Offense as a receiver.

ByMarquis GatesLB/Edge, Stallions

The Ole Miss product led the Stallions in tackles (62) and sacks (6.5) this season, earning All-USFL Defensive Team honors. At 6-3 and 230 pounds, scouts described Gates as extremely instinctive, with an innate ability to find the ball.

Gates has a rush pass ability, is athletic and is an explosive hitter who can be effective as a rushing linebacker or play on the line of scrimmage as an edge defender.

KaVontae TurpinWR, Generals

The TCU product was quite simply the most explosive playmaker in the USFL this season. Think Tyreek Hill in the NFL; that’s how Turpin looked to play in this league, constantly running alongside defenders.

Turpin led the USFL with 540 receiving yards (including a USFL-high 316 receiving yards) and finished with four receiving touchdowns. Turpin also had a 71-yard punt return for a score. For his efforts, Turpin won the USFL MVP award.

Highlights of the KaVontae Turpin season

Highlights of the KaVontae Turpin season

Check out highlights from New Jersey Generals star KaVontae Turpin, USFL MVP.

Darius VictorRB, Generals

Victor finished with a league-high 577 rushing yards and nine touchdowns, earning the USFL Offensive Player of the Year award. Victor is a North-South runner who is strong and explosive and can land a blow on contact. A scout described Victor’s unique ability to move the stack as BYOB: Be Your Own Blocker.

At 5-8 and 209 pounds, Victor earned comparisons to Maurice Jones-Drew or Mark Ingram in height and running style. Victor also has good hands out of the backfield and is a capable pass protector, making him a candidate as a third back at the next level.

Salt CinnamonTE, Circuit Breakers

The Auburn product was the leading passer among tight ends this season, earning All-USFL Offense honors at his position. Cannella finished with 34 receptions for 368 yards and two touchdowns.

At 6-5 and 230 pounds, Cannella has a long wingspan and does a good job of creating separation in confined spaces such as the red zone. And he’s a capable blocker in the running game.

Steven RowzeeLG, Circuit Breakers

At 6-3 and 335 pounds, Rowzee is solid at the point of attack and an explosive blocker in the running game. Rowzee also received praise from scouts for his physical and challenging play.

The Troy product has helped the Breakers give up just 17 sacks this season. Only the New Jersey Generals allowed fewer sacks (16). Breakers quarterback Kyle Sloter was second in the USFL with 1,798 passing yards in nine games played.

Cookus caseQB, Stars

The Northern Arizona product has been the top performer at quarterback this season. Cookus replaced injured starter Bryan Scott in the first half of the season, finishing with 1,334 passing yards, 12 touchdowns and just five interceptions in seven starts.

The 6-foot-4, 205-pound flagger received accolades for his decision-making and his ability to control the game from inside the pocket. His athleticism could be a concern at the next level, although Cookus has a 79-yard touchdown to his name.

The Cookus case counts five DT

The Cookus case counts five DT

Case Cookus threw for 247 passing yards and four touchdowns in the Philadelphia Stars’ 46-24 win over the Michigan Panthers. He also rushed for 118 yards and a touchdown.

Channing StriblingCB, Stars

The Michigan product led the USFL in interceptions with seven and was named to the All-USFL Defense Team. At 6-foot-2 and 175 pounds, Stribling has drawn comparisons to Richard Sherman with his length and intelligence, baiting quarterbacks into bad throws.

Others to consider:

Birmingham Stallions: QB J’Mar Smith, OL Cameron Hunt, RB Bo Scarbrough, LB Scooby Wright, LS Ryan Larsen.

Houston players: DE Chris Odom, LB Donald Payne, CB Will Likely Jr., CB Micah Abernathy.

Michigan Panthers: RB Reggie Corbin, WR Lance Lenoir Jr., K Cole Murphy.

New Jersey Generals: LB D’Juan Hines, RB Trey Williams, LB Chris Orr, QB Luis Perez, S Shalom Luani, CB De’Vante Bausby, DL Toby Johnson.

New Orleans Breakers: QB Kyle Sloter, WR Johnnie Dixon, LB Vontae Diggs, LB Jerod Fernandez, LB Christian Sam.

Philadelphia Stars: RB Matthew Colburn II, WR Jordan Suell, WR Maurice Alexander.

Pittsburgh Maulers: K Ramiz Ahmed, DE Carlo Kemp, LB Kyahva Tezino.

Tampa Bay Bandits: QB Jordan Ta’amu, WR Derrick Dillon, OL Jarron Jones, LB Travis Feeney. P Brandon Wright.

Eric D. Williams has reported on the NFL for over a decade, covering the Los Angeles Rams for Sports Illustrated, the Los Angeles Chargers for ESPN and the Seattle Seahawks for the Tacoma News Tribune. Follow him on Twitter at @eric_d_williams.


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Comments from Fed Chairman Powell in June 2022 on housing https://ohcdphila.org/comments-from-fed-chairman-powell-in-june-2022-on-housing/ Wed, 22 Jun 2022 04:19:48 +0000 https://ohcdphila.org/comments-from-fed-chairman-powell-in-june-2022-on-housing/ The fate of the housing boom is on the minds of homeowners and buyers these days. Will record home values ​​lead to a crash reminiscent of the one that made the Great Recession so painful? Or will prices just take a break from their frantic pace of appreciation? I would say if you are a […]]]>

The fate of the housing boom is on the minds of homeowners and buyers these days. Will record home values ​​lead to a crash reminiscent of the one that made the Great Recession so painful? Or will prices just take a break from their frantic pace of appreciation?

I would say if you are a home buyer or a young person looking to buy a home, you need a bit of a reset.

— Jerome PowellChairman of the Federal Reserve

No one knows, not even the most powerful central banker in the world. At the press conference following last week’s meeting of the Federal Reserve’s Open Markets Committee, Fed Chairman Jerome Powell acknowledged a sharp rise in mortgage rates. They have fallen from 3% in August 2021 to 6% now, according to Bankrate’s national survey of lenders.

“We are well aware that mortgage rates have risen a lot and you are seeing an evolution in the housing market,” Powell said in response to a question from Mark Hamrick, senior economics analyst at Bankrate. “We are watching him to see what will happen. How much will this really affect residential investment? Not really sure. How will this affect housing prices? Not really sure. We are monitoring this very carefully.

What this means for house prices

Housing economists do not expect steep price declines, at least not nationally. After all, the supply of homes for sale remains near its lowest level. And while a rise in mortgage rates has dampened demand somewhat, demand still outstrips supply, thanks to a combination of little new construction and strong household formation by large numbers of millennials.

The National Association of Realtors said on Tuesday that rising mortgage rates have slowed home sales. Even so, the median price of homes sold nationally hit a record high of $407,600 in May, up 14.8% from May 2021, and the inventory of homes for sale remains below trend levels. ‘one year ago.

“It’s still a very tight market,” Powell said during last week’s remarks to reporters. “Prices can continue to rise for a while, even in a world where rates are rising. It’s a complicated situation.”

Powell: buyers need to be ‘reset’

The sharp rise in house prices over the past two years has made affordability a major challenge, especially for first-time buyers. Unlike regular buyers, first-time buyers haven’t built up an equity cushion as prices have skyrocketed since 2020.

“I would say if you’re a homebuyer or a young person looking to buy a home, you need a bit of a reset,” Powell said.

Although the Fed does not directly control mortgage rates, it does set the federal funds rate, a figure that both reflects economic reality and attempts to steer economic activity toward sustainable levels of growth. The Fed cut rates to zero at the start of the coronavirus pandemic.

“Rates were very, very low for quite a while because of the pandemic and the need to do everything we could to support the economy when unemployment was at 14% and the true unemployment rate was far superior to that,” Powell said.

But as inflation accelerated to 40-year highs, the Fed responded by raising rates three times in 2022, including a 0.75 percentage point hike last week.

what you can do

How homebuyers can weather the still tough market:

  • Shop around for a mortgage. Rates and fees vary widely from lender to lender. Comparing at least three offers from competing lenders can save you thousands of dollars over the term of the mortgage.
  • Look for a low down payment loan. For borrowers struggling to afford a home, the monthly payment is just one hurdle. Another comes with a down payment. With a typical American home selling for around $400,000, a 10% down payment means writing a check for $40,000. There is, however, a potential workaround in the form of mortgages backed by the Federal Housing Administration and the US Department of Veterans Affairs. FHA loans and VA loans have less onerous restrictions than conventional loans. While the standard down payment is 20%, VA loans require no down payment and FHA loans have a minimum 3.5% down payment.
  • Consider a repairman. For buyers frustrated by the lack of inventory and skyrocketing prices, older homes can be a good compromise. In Bankrate’s survey earlier this year, 21% of respondents said they would try this tactic. Of course, buying a repairer means you are undertaking a project, which brings uncertainty. No matter how careful you are in estimating your renovation budget, you can count on surprises, especially in a time when material costs are volatile and construction labor is scarce. Renovation experts say you should plan for cost overruns in the range of 15-20% of your construction budget.
  • Move to a more affordable neighborhood. Many buyers are faced with the harsh reality that they cannot afford to buy in the neighborhood they really want. In some cases, buyers decide to leave the most difficult markets. Home prices have skyrocketed everywhere, but prices are particularly breathtaking in California. The median price of an existing home sold in Silicon Valley during the first quarter of 2022 was $1.88 million, according to the National Association of Realtors. In San Francisco, the typical price was $1.38 million and in Orange County, $1.26 million. However, a number of major metropolitan areas are still showing affordable real estate prices. They include Buffalo ($202,300 median Q1 selling price), Philadelphia ($297,900), Louisville ($235,400), St. Louis ($216,700), Kansas City ($287,400) and Milwaukee ( $298,800).
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Attorney General: PA COVID-19 relief fund thieves must pay https://ohcdphila.org/attorney-general-pa-covid-19-relief-fund-thieves-must-pay/ Mon, 20 Jun 2022 13:34:51 +0000 https://ohcdphila.org/attorney-general-pa-covid-19-relief-fund-thieves-must-pay/ Pennsylvania Attorney General Josh Shapiro speaks about the fraud case last week in Philadelphia. Credit: AP Internet News Service A string of arrests last week is a wake-up call to those who defrauded taxpayers through the Coronavirus Aid, Relief, and Economic Security Act (CARES), Pennsylvania Attorney General Josh Shapiro said. Last week, eight City of […]]]>
Pennsylvania Attorney General Josh Shapiro speaks about the fraud case last week in Philadelphia. Credit: AP Internet News Service

A string of arrests last week is a wake-up call to those who defrauded taxpayers through the Coronavirus Aid, Relief, and Economic Security Act (CARES), Pennsylvania Attorney General Josh Shapiro said.

Last week, eight City of Philadelphia employees were charged with illegally obtaining pandemic unemployment assistance through the state in 2020. The money received exceeded $300,000.

The latest arrests add to 63 made statewide for fraud related to the CARES Act of 2020. So far, state investigators have determined that $3.1 million in PUA funds were obtained fraudulently.

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Shapiro’s office said other investigations into the fraud were still ongoing.

“If you made extra money during the pandemic by fraudulently applying for PUA benefits, go and sign up for a payment plan to pay back the stolen money to taxpayers. Do the right thing, or risk facing criminal charges and prosecution. The Department of Labor and Industry has set up a Fraud Hotline at 1-800-692-7469 or benefits.uc.pa.gov so you can report this fraud yourself. Don’t wait for us to knock on your door,” Shapiro said.

Anyone who improperly acquired PUA benefits is asked to voluntarily return the money, Shapiro said.

Anyone who has received a letter from L&I saying they owe money should contact them and pay immediately to avoid the threat of legal action, he added.

Special agents from the Pennsylvania Attorney General’s Office claim that the eight Philadelphia defendants fraudulently applied for PUA benefits between February 2020 and September 2020, stating on their applications that their employment was terminated due to the COVID-19 pandemic.

Authorities alleged their investigation found that each defendant applied for and received between $20,000 and $60,000 in PUA benefits while working for the City of Philadelphia at the time he falsely applied for the benefits.

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Federal aid for COVID-19 was accelerated early in the pandemic when the economy collapsed and unemployment soared.

In Pennsylvania and other states, there has been pandemic unemployment fund fraud and an investigation is ongoing by state and federal authorities.

According to research by the University of Texas, 1.8 million of the 11.8 million Paycheck Protection Program loans that have been closed, or $76 billion of the roughly $800 billion in PPP loans , have been used for illegal activities.

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The Eagles star called out 1 Celtics player during Game 6 https://ohcdphila.org/the-eagles-star-called-out-1-celtics-player-during-game-6/ Sat, 18 Jun 2022 02:18:46 +0000 https://ohcdphila.org/the-eagles-star-called-out-1-celtics-player-during-game-6/ November 7, 2021; Philadelphia, Pennsylvania, USA; Philadelphia Eagles wide receiver DeVonta Smith warms up before action against the Los Angeles Chargers at Lincoln Financial Field. Mandatory Credit: Bill Streicher – USA TODAY Sports Boston Celtics guard Jayson Tatum put on a forgettable performance in Game 6 of the NBA Finals in Boston’s 103-90 loss to […]]]>

November 7, 2021; Philadelphia, Pennsylvania, USA; Philadelphia Eagles wide receiver DeVonta Smith warms up before action against the Los Angeles Chargers at Lincoln Financial Field. Mandatory Credit: Bill Streicher – USA TODAY Sports

Boston Celtics guard Jayson Tatum put on a forgettable performance in Game 6 of the NBA Finals in Boston’s 103-90 loss to the Golden State Warriors, and Philadelphia Eagles wide receiver DeVonta Smith , took note.

Following Thursday’s game, which saw the Warriors claim their first title since 2018, Smith tweeted a harsh criticism of Tatum.

“JT doesn’t have a dog in his mane…” Smith wrote.

Smith’s tweet went viral shortly after sending it. The second-year wide receiver took to Twitter again on Thursday to say fans were watching his comment on Tatum too much.

“You dig too deep, I love JT but the championship is on the line, we have to show up!” Smith wrote.

Smith knows a thing or two about winning championships, having won two national titles during his time in Alabama.

Tatum played well through the majority of the NBA Finals, but he struggled with Boston facing elimination in Game 6. After scoring 12 points in Game 1, the 24-year-old had 28 points in game 2; 26 in Game 3; 23 in Game 4; and 27 in Game 5. In Game 6, Tatum scored just 13 points and was 6 of 18 from the field. The three-time All-Star scored just two points in the fourth quarter.

Tatum finished the 2022 playoffs averaging 25.6 points and shooting 42.6 percent from the field in 24 games.

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Adam Sandler’s “Hustle” is not a true story. But here’s why it feels like a https://ohcdphila.org/adam-sandlers-hustle-is-not-a-true-story-but-heres-why-it-feels-like-a/ Thu, 16 Jun 2022 16:00:53 +0000 https://ohcdphila.org/adam-sandlers-hustle-is-not-a-true-story-but-heres-why-it-feels-like-a/ Over the past few years, it feels like Adam Sandler has rewritten the rule book for what he does onscreen. ‘Hustle’, which has topped Netflix’s most-watched movies list since its launch last week, is just the latest example in a series of unexpected twists included “The Meyerowitz Stories”, “The week of” “Murder Mystery” and “Uncut […]]]>

Over the past few years, it feels like Adam Sandler has rewritten the rule book for what he does onscreen. ‘Hustle’, which has topped Netflix’s most-watched movies list since its launch last week, is just the latest example in a series of unexpected twists included “The Meyerowitz Stories”, “The week of” “Murder Mystery” and “Uncut Gems.”

Directed by Jeremiah Zagar, whose previous film “We the Animals” has been named for five Spiritual RewardsSandler’s basketball comedy-drama was written by Taylor Materne and “A Star Is Born” co-writer Will Fetters.

The film, from Sandler’s Happy Madison Productions, stars the comedian as Stanley Sugerman, a Philadelphia 76ers scout who spends most of his time traveling the world for the next NBA sensation, away from his wife Teresa (Queen Latifah) and daughter Alex (Jordan Hull) while desperately wanting to become a coach. When he discovers Bo Cruz (Juancho Hernangómez), a stranger living in Spain, Stanley risks everything to get him on the team.

Besides Utah jazz player Hernangómez, the film is full of other real current and former NBA players, including Anthony Edwards, Boban Marjanovic, Kenny Smith and Julius “Dr. J” Erving. And the blending of so many real-life elements with Zagar’s naturalistic cinematic touches has many viewers wondering if the film is based on a true story.

Zagar, who was born and raised in Philadelphia, recently spoke about his experiences creating “Hustle” from his office in Brooklyn, New York, where he lives.

So Adam Sandler calls you about a movie and you think the project isn’t for you. Then you think about it some more and decide to do it. What made you change your mind?

When I was a kid, I really liked sports movies. Now I find a connection with what we do as filmmakers. Storylines are all about willpower – do you have the willpower to do that seemingly impossible thing? That’s how to make movies, they seem impossible.

So I started thinking – if I’ve always wanted to do a sports movie and one falls in my lap and it’s set in Philadelphia where I’m from… wouldn’t it cool if we could recruit real players? And Adam mentioned that. I just started dreaming a little. There were details in the script that I felt could be improved and evolved, and Adam was open to working on the script with me… [Working with] Will Fetters, one of the writers, we got to a point where there was an authenticity there that I could hold on to.

What did it mean to you to make Philadelphia such a part of the fabric of the film?

In some ways, that means more now that I’m hearing people talk about their feelings about it. For me, it was just intrinsic. It was like, “Well, you should make it real.” It’s kind of my philosophy in all things, how do I make it real? How do you get the audience to suspend their disbelief?

Part of making something feel real is imbuing it with specificity and details that are intimate to someone who lives in a place, comes from a place. We really wanted to make sure everything was as authentic as possible. I think it helps the actors feel that the spaces are lived in and real, it helps for me and it helps for the audience.

What was it like working with Adam Sandler, first as a producer and screenwriter, then transitioning into an acting and directing dynamic?

Well, it was wonderful to write with him. We wrote together on Zoom because it was the pandemic. We spent very little time in person together because we were afraid of killing each other with this disease. And then when we got on set…he was the right guy for the part, and I could just sit back and let him do his thing. I’d give it low marks, but most of the time it’s just amazing and wonderful to watch. He’s that guy and he’s done it perfectly every time. One of the cool things about watching Adam act is that there are no bad takes. They are just good in different ways.

In your early conversations about the movie, you were talking about bringing in real players – how was that? First, find guys who were available and wanted to do it, and then get them in on it as actors?

It’s the great joy of making this film for me, of working with these ball players. And not because they’re famous or anything, but because it’s amazing to watch them become characters. Watching a person go from zero to 60 – from never having acted before, to, you know, crying in a car and finding a place where they can dig deep into their own emotional core.

I worked with Noelle Gentile, my acting coach on “We the Animals,” and she brought out these incredible performances from these boys. And she did it again with those ball players. I think there is no bad performance, personally. Boban is amazing and Anthony Edwards is amazing and Kenny Smith is amazing and Jauncho is a revelation. This is a testimonial from Noelle. I get a lot of credit for his work, but for me it’s just a joy to know that they’re as good as they are on screen.

How did you come to cast Jauncho in particular? This role requires a lot.

We have many bands. And we got Jauncho’s audition, and it was OK. It was him in his room with his brother, and he was kind of in it. But then we called him back and he started working with Noelle, and all of a sudden it just poured out on him. It was like magic. You saw this guy not only bring what he had to the table, but bring Bo to the table. And that’s when we knew we had a movie. Adam always said to me, “If we can’t find the guy, we don’t have a movie, don’t worry.” But when we found it, I sent the tape over to Adam and the rest of the crew, and it was off to the races because we knew we had the heart of the movie.

Was it difficult to find the grammar for how to film the games?

It was. We watched a lot of basketball and we didn’t see it in the movies we watched and we didn’t see it in the game that was filmed on TV. And so we started watching other sports movies, we watched ‘Creed’ and ‘Rocky’ and we watched ‘Zidane’ and we watched as much as we could. [Cinematographer] zack [Mulligan] and me, when we watched ‘Raging Bull’, there was like a light bulb that went off like an explosion for us. Because what Scorsese is doing in this movie is every boxing match has a different style and vibe and a different technique.

How did you get Robert Duvall for the role of team owner?

Adam and I were just tossing around names to see who Rex might be. And I think actually Jeremy Yaches, my producer, suggested Robert Duvall to me. I suggested it to Adam, and Adam said “Yes, Robert Duvall”. And everyone said “Yes, Robert Duvall”.

And then we called his agent, “How old is Robert Duvall?” And he was like “90 years old”. [Duvall is now 91.] And we thought, “Can Robert Duvall come?” And he was like, “Yes, Robert Duvall can come.” …Robert Duvall has arrived on set and it’s like having a king among you. He could be the greatest living American actor. And here I am in a trailer with him.

His last scene was the moment of never backing down. It was written like, “Never back down!”, that rah-rah kind of thing, and I couldn’t quite imagine it. And then Robert did this thing where he was in front of Adam, and he looked at Adam and he said, “Come here.” He made Adam get up and walk towards him. And suddenly there’s this huge gravity in the moment. Then he whispered the line to her. You could feel shivers all around the set. The movie kind of made sense. All of a sudden it was like, ‘Oh, this is the movie. Robert Duvall just told us what the movie is. It was magical.

Casting the woman in an Adam Sandler movie could go a number of ways. How did you land on Queen Latifah?

He followed many different paths. I had told the producers and Adam that I thought it would be cool if it was an interracial couple. And he said, “Actually, I’m thinking Queen Latifah. I would love for it to be Queen Latifah.” And I thought to myself, this is great. Philly is a very mixed city, where I grew up, it’s mostly Italians, blacks, Jews, and everybody, all those people come together. My children are mixed and my brother’s children are mixed. I thought it was wonderful to have a couple like that in this movie. And Adam was excited about it because he had known Queen for so long.

They have a way of talking without talking and they can improvise together and have fun and make each other laugh and it shows on set. They would just amuse each other. I just had to step back and watch them do… I keep saying they shine like movie stars, but they act like real people. It’s such a rare quality.

The film feels like a hybrid between your sensibility and a Happy Madison sensibility. What does it do to you?

I know exactly what you are saying. There are times when I’m like, “Oh, that’s all me. That’s a Jeremiah Zagar vibe.” And then there are times when I go, “Oh, that’s all Adam Sandler.” And there are times when I look at him and I’m like, “Oh, it’s Jauncho Hernangómez.” But I think it’s a real hybrid, and there are times that are completely my aesthetic and there are times that it’s a very Happy Madison aesthetic.

I think that’s what’s cool. I think people react to the hybrid. I’ve always been thrilled to bring a more experimental aesthetic of truth to a great Hollywood movie. You can make a giant Hollywood movie that looks like a documentary. Why not? You know, people like to feel like things are real.

This story originally appeared in Los Angeles Times.

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