New Jersey Lottery 50th Anniversary Celebration Year

– $42 Billion in Prizes Awarded to its Players since 1970 –

– Innovative New Games & Chances to play in 2020 –

TRENTON (Jan. 8, 2020)

– The New Jersey Lottery, one of the largest lotteries and the third oldest in the United States, is excited to celebrate 50 years of fun-filled gaming with a year-long celebration

that includes the introduction of new games and producing on-going fun and entertainment for players, with continued commitment to responsible gaming while providing financial support to the state

.

“Fifty years ago, New Jersey voters took a chance and approved a state Lottery, which turned out to be a winner. The original hope was that the lottery would generate $12 million in profit annually. Last year, the New Jersey Lottery contributed over a billion dollars to the state,” said James A. Carey, Acting Executive Director of the New Jersey Lottery.

Launched in 1969, the lottery was born with the goal of raising funds to support education and state-run institutions. Today the New Jersey Lottery is committed to providing revenue-generating entertainment products to help protect the retirement benefits of those who serve our community, including New Jersey’s teachers, police officers, firefighters, and other public employees.

“We have so many reasons to celebrate fifty years of success. Since 1970, the New Jersey Lottery has produced over $28 billion in revenue for the state and $42 billion in prizes for our players – making over 2,000 millionaires in the process. I can’t wait to meet the next group of winners at our kickoff events,” said Carey.

THE KICK-OFF EVENTS

The year-long celebration will kick off with two events open to consumers where $50,000 in various prizes will be available to attendees 18 and over, and some (literally) “up for grabs” with the premier of the New Jersey Lottery CA$HNADO, an interactive, prize -grabbing, everybody-is-watching experience.

January 9, 2020; 2:30 – 4:30 PM: Bridgewater Commons Mall in the Atrium

January 11, 2020; 4-6 PM: Wild Wild West in Atlantic City

Best Cryptocurrencies for Beginners to Buy in 2020

(January 9, 2020)–Changes are bound to occur as you walk into a new year. With every passing year, the number of unmatchable technological updates keep on increasing, and so does the taste of humans. For as long as the urge for multiple assets remains, the scope for innovations will keep broadening. Cryptocurrency is one such disruptive technology that took the course of rapid growth. The digital era gave birth to this marvel, and it has been ruling the economy for the past decade. Investors all over the world have started shifting entirely over to cryptocurrencies for trading purposes. But as technology is dashing along with time, the rocketing popularity of cryptocurrencies is unstoppable. What are the changes and updates to be introduced to Bitcoins and Altcoins? Which all cryptocurrencies are worth investing in, in the coming year? As we are almost at the threshold of 2020, let us look into the list of the best cryptocurrencies to buy this new year.

Top 5 Cryptocurrencies for Beginners

1. Bitcoin

Bitcoin is the first cryptocurrency to hit the market, and it\’s been more than a decade now. Bitcoin has held the face of virtual money, making it the most popular and widely accepted cryptocurrency. It aims at developing a vast network around the world, where a peer-to-peer format of cash transfer is made possible. Although Bitcoin has proven to be volatile, it still is the most recommended one. The liquidity (buying and selling without hassles) of Bitcoin is one of the primary reasons for this. When the number of coins mined hits the limit of 21 million, the demand will increase, so will the price. Investing in more than one cryptocurrency is recommended for protection; Bitcoin should always be the top priority. The

Immediate Edge Bot

review

can give you a better idea on which cryptocurrency to invest in the coming years.

2. Litecoin

Litecoin

is the Altcoin with the best features to have launched right after Bitcoin. It is indeed a fork of Bitcoin with significant modifications brought to the software. The most attractive features of Litecoin are its liquidity and the speed of transactions. Market cap value is also quite high when compared to the other contemporaries.

3. Ethereum

Ethereum is said to be the fastest-growing cryptocurrency, with its features attracting more users to it. The concept of smart contracts was introduced by Ethereum, through which the launch and development of dApps and mobile applications were made more manageable. The Initial Coin Offering movement was stimulated by the numerous tokens running on Ethereum. Buying and

selling of  Ethereum

is not an issue since its liquidity factor hits a high note just below Bitcoin. Its rate is more likely to increase with time and stay stable post every price hike. For the disruptive technology of smart contracts that Ethereum brought into the economy, it has the potential to shoot up on the list to become as equally popular as Bitcoin.

4. Binance Coin

Binance Coin\’s value is drawn from the demand for it and how well it functions in the world created by Binance. Utility tokens like Binance Coin work in such a way that it does not follow the exact norms of digital currencies like Bitcoin and Litecoin. On the list of cryptocurrencies with the highest liquidity, Binance Coin holds a position in the top 10, which could rise and fall as the market values vary. Although it is highly volatile, the value has witnessed substantial growth over the previous years. At the time of the bear market, the price of Binance Coin multiplied three times and dived right into the group of potential investors.

5. Basic Attention Token

Yet another utility token like Binance Coin, BAT, is used for paying people working on various online platforms. In the list of the most traded coins, BAT has always held a position in the top 40. The liquidity of this token has a volatile nature, and it has kept on fluctuating for a long time since its launch. The price has stayed consistent over the past two years, while the other cryptos were going through a bad phase. With demand, the value of BAT is also expected to hike.

Conclusion

Try not to jump impulsively into any particular cryptocurrency. Make sure not to accumulate your funds into any random digital currency. Diversify your money and invest in multiple platforms to avoid massive losses. Go through trustworthy reviews and pick the best ones, and let this new year bring more fortune into your lives.

Gloucester Township Celebrates 325th Anniversary!

GLOUCESTER TOWNSHIP NJ–June 2020 marks the 325th anniversary since Gloucester Township’s incorporation in 1695. Gloucester Township has big plans to celebrate its anniversary with various exciting events that will continue throughout the year to celebrate the past, present, and future of our town. The township along with members of our community’s service organizations are currently coordinating activities to celebrate this commemorative

event.

To kick off the anniversary festivities, we will be hosting an anniversary parade in early May as a way to commemorate our town’s rich history and we’d like you to join us! Local groups, organizations and businesses are encouraged to participate in the parade and enter their own unique floats. The parade is scheduled for Saturday, May 2nd with a rain date of May 9th. Stay tuned for more information.

The second event will be a time capsule burial which will take place on Saturday, June 13th at the historic Gabreil Daveis Tavern. Items of significance to the township will be buried at the tavern to be dug up by future generations. The purpose of the time capsule is to allow Gloucester Township’s heritage to live on for many years to come.

Last but not least, to honor our six fire companies which are a significant part of our town’s history, Gloucester Township will attempt to break the Guinness World Record for the longest Bucket Brigade. Bucket brigades were a method used in firefighting before hand-pumped fire engines in which firefighters would pass buckets to each other to extinguish a blaze. In order to break the world record and appear in the Guinness Book of Records, we need YOUR help! We are looking for 6,500 volunteers to line up and pass a bucket on Saturday, September 12th. More details and information regarding registration is coming soon.

We look forward to having you join us in the grand celebration of 325 years of our beautiful Gloucester Township!

For more information, please visit

https://www.glotwp325.com

Address/Location

Gloucester Township, NJ

1261 Chews Landing Rd

Gloucester Township, NJ 08021

Contact

Emergency: 9-1-1

Non-emergencies: 856-228-4000

GOOD NEWS for the Lewis Katz School of Medicine at Temple University

Receives Gift to Create the Scott Richards North Star Foundation and Stop Alzheimer’s Now Chair for Alzheimer’s Research

(Philadelphia, PA) –

The Lewis Katz School of Medicine at Temple University (LKSOM) has received a gift from Temple University trustee, benefactor and Fox School of Business alumnus Phil Richards and the Scott Richards North Star Charitable Foundation (SRNSCF), as well as Stop Alzheimer’s Now (SAN), to

establish the Scott Richards North Star Foundation and Stop Alzheimer’s Now Chair for Alzheimer’s Research at the Alzheimer’s Center at Temple. The gift to establish the Chair will be utilized exclusively for the purpose of funding Alzheimer’s research at the Alzheimer’s Center at Temple (ACT). The name of the researcher who will be first occupant of the new chair position will be announced at a later date.

“We’re extremely thankful to the Scott Richards North Star Charitable Foundation and Stop Alzheimer’s Now for this generous gift,” said

John M. Daly, MD, FACS

, Interim Dean and Harry C. Donahoo Professor of Surgery at LKSOM. “That these two organizations would select Temple for this donation speaks volumes to the promising work being done by Dr. Domenico Praticò and his team at the Alzheimer’s Center at Temple. The Alzheimer’s Center is performing cutting-edge research into the causation, prevention and ultimately cure of this devastating disease.”

The Scott Richards North Star Charitable Foundation is a Minnesota non-profit corporation, and Stop Alzheimer’s Now is a Texas non-profit corporation. Both have a core funding priority of ending Alzheimer’s disease. In 2018 SRNSCF provided a gift to LKSOM to establish the Scott Richards North Star Charitable Foundation Chair for Alzheimer’s Research at Temple as well as the Alzheimer’s Center at Temple.

Domenico Praticò, MD

, was appointed the first Scott Richards North Star Charitable Foundation Chair for Alzheimer’s Research and Professor and Director of the Alzheimer’s Center at Temple. The occupant of the new chair funded by this latest gift will report to Dr. Praticò. SAN also provided a gift in early 2019 to fund research at ACT.

“The Alzheimer’s Center at Temple is committed to promoting brain health and fostering discoveries for a better understanding of Alzheimer’s disease and related dementias through advanced research, clinical studies and innovative educational program,” said Dr. Praticò. “Alzheimer’s disease is becoming a major health concern, and if novel successful therapies do not become available, the number of patients suffering from the disease is expected to rise dramatically over the next 30 years. This gift will allow us to continue to pursue our ultimate goal of finding a cure.”

Alzheimer’s disease is the sixth leading cause of death in the United States today. The Alzheimer’s Center at Temple integrates research, training, clinical and educational activities in order to study the pathophysiology of Alzheimer’s disease and related disorders, discover the mechanisms responsible for their onset and progression, and develop effective treatment strategies with the ultimate goal of curing those diseases.

“The catastrophic consequences to the victims of this insidious disease are compounded by the tragedy thrust upon the caregivers (75% women) whose lives are severely disrupted when it occurs. We all must do whatever we can to alleviate both,” said

Phil Richards

, who is also Executive Chairman and Founder of the North Star Resource Group and Chairman of the Scott Richards North Star Charitable Foundation.

“We interviewed many directors around the country as we considered where we wanted to partner,” said

Shaun McDuffee

, Founder of Stop Alzheimer’s Now. “Dr Praticò’s passion and expertise made Temple University jump to the top of our list.   We believe that with his leadership and commitment, Temple is going to come up with a solution to the Alzheimer’s epidemic.”

The North Star Resource Group established a charitable foundation in 2004 to support causes close to the North Star team. The foundation was renamed the Scott Richards North Star Charitable Foundation in 2008, after the passing of former president Scott Richards, son of Temple Trustee Richards. Since 2004, North Star has donated 10% of all profits to the foundation, which has contributed more than $5 million to local communities across the nation. The foundation also supports the philanthropic interests of its advisors and team members by providing an internal gift matching program focusing on breast cancer, Bikes for Kids, ataxia, myelofibrosis, cystic fibrosis, as well as Alzheimer’s.

Stop Alzheimer’s Now founded by Shaun McDuffee in 2013, has committed to walking across all 50 states to raise awareness and funds for research for a cure. To date, SAN has walked nearly 1,000 miles and raised $400,000 through individual contributions and partnerships with organizations such as SRNSCF and the McDuffee Family Foundation.

About Temple Health

Temple University Health System (TUHS) is a $2.2 billion academic health system dedicated to providing access to quality patient care and supporting excellence in medical education and research. The Health System consists of Temple University Hospital (TUH)

;

TUH-Episcopal Campus; TUH-Northeastern Campus; The Hospital of Fox Chase Cancer Center and Affiliates, an NCI-designated comprehensive cancer center; Jeanes Hospital, a community-based hospital offering medical, surgical and emergency services; Temple Transport Team, a ground and air-ambulance company; Temple Physicians, Inc., a network of community-based specialty and primary-care physician practices; and Temple Faculty Practice Plan, Inc., TUHS’s physician practice plan comprised of more than 500 full-time and part-time academic physicians in 20 clinical departments. TUHS is affiliated with the Lewis Katz School of Medicine at Temple University.

Temple Health refers to the health, education and research activities carried out by the affiliates of Temple University Health System (TUHS) and by the Katz School of Medicine.  TUHS neither provides nor controls the provision of health care. All health care is provided by its member organizations or independent health care providers affiliated with TUHS member organizations. Each TUHS member organization is owned and operated pursuant to its governing documents.

It is the policy of Temple University Health System that there shall be no exclusion from, or participation in, and no one denied the benefits of, the delivery of quality medical care on the basis of race, ethnicity, religion, sexual orientation, gender, gender identity/expression, disability, age, ancestry, color, national origin, physical ability, level of education, or source of payment.

Freeholder Cappelli and The State Of The County

The statement below is by Camden County Freeholder Director Cappelli (photo) in regard to the annual state of

the county address for 2020.

“Good afternoon everyone and thank you for being here. I want to start off by saying that as we enter our 176th year, the state of the county is strong. Thanks to our dedicated and caring residents, the resiliency of our communities, and expanding economic opportunity for all, we enter this new year with limitless possibilities ahead.

For the past 12 months we have celebrated the 175th anniversary of Camden County’s incorporation. We sought to do this in two ways: by hosting 175 events where we could come together for a shared experience, goal, or purpose; and by tirelessly striving to improve the quality of life, access to opportunity, and availability of resources. Through both, we sought to make Camden County a place that you would be proud to call home.

Today, we begin not only a new year but a new decade. In doing so I want to take a moment to highlight not only the accomplishments of the last 12 months, but some of the milestones we accomplished in the last ten years.

We began the decade in a precarious position, gripped by the worst economic recession since the Great Depression. While today’s national economy may be growing, many of us remember the sleepless nights all too well, lying awake worried about losing a job, how we would pay the cable bill next month, how would we save for retirement? But, our community didn’t give up. You supported one another and took advantage of every chance that became available. Today, incomes are rising, poverty is decreasing, and unemployment is at incredible, record lows. The state of today’s economy in Camden County is due in large part to your resilience and willingness to persevere.

Two years into the decade we faced a seemingly insurmountable obstacle in our mission to reinvigorate Camden City. In 2012, 67 people were murdered in the City, a grisly record that forced strong action and a serious moment of self-reflection for not only members of this board and those in the community, but for individuals all over the state of New Jersey who wanted to see the City Invincible return to its former glory. In 2013, we launched the Camden County Police Department and brought with it a radical idea about how policing in America could look. Our officers, at the direction of Chief Scott Thomson, committed themselves to a new model of community policing that was later heralded by President Barack Obama as a model for the nation. In 2017, murder was down more than 65 percent. Since 2012, violent crime has dropped by 42 percent.

I’d be remiss if I didn’t take a moment to highlight the vision and leadership of Chief Scott Thomson, who retired earlier this year. He took the reins of a grand experiment where few outside of our borders believed he could find success. Ultimately, he turned the CCPD into a vital partner for the communities in Camden City, and he transformed the narrative of Camden City from one of bleak desolation to one of unprecedented hope. We are eternally grateful for his service.

It should be noted as well that the man who has filled Scott’s shoes, Chief Joseph Wysocki, has taken over the role without missing a step and is doing a tremendous job since taking over. We are extremely grateful for his public service and for the leadership he has brought to the department.

Elsewhere in the county, we focused our attention on not only public safety, but on public spaces. Over the decade we invested tens of millions of dollars into our park infrastructure, green spaces, and natural resources. In 2011 we opened

Jake’s Place

at Challenge Grove Park, a first-of its-kind all-inclusive playground for children of all abilities. In 2017, we completed the long-needed dredging of Cooper River and saw the return of nationally-renowned rowing to our shores. In fact, this year we welcomed the Gold Cup, a gathering of the world’s best individual rowers to Cooper River, making our river an internationally recognized venue for the world’s top athletes. Just a few months ago, we opened Gateway Park along Admiral Wilson Boulevard, fulfilling a promise made more than 20 years ago when the vacant and dilapidated businesses that once stood on that site were torn down.

Of course, there were countless other projects heralded by the Parks Department and the incredible team of professionals who are focused on making Camden County a place where we can live, work, and play. Thanks to their hard work, the county has built one of the best park networks in the nation, and there is more still to come.

I could spend all of 2020 just highlighting the incredible work and accomplishments that I’ve seen in Camden County over the past decade, but there is still too much work to be done. Instead, I’d like to begin looking forward and focusing on where we plan to take our community in the next 12 months and beyond.

On January 1, we took the dramatic but necessary step of eliminating all single-use plastics from county facilities and events. Many locations throughout the county have already switched to sustainable, compositable alternatives, and the others will be phasing out plastics in the coming months as their current stock is depleted and their supply contracts end. In 2020, we are focused on sustainable habits and on finding ways to reduce Camden County’s contribution to environmental degradation and climate change. Right now, our thoughts and prayers are with the people of Australia who are living through a catastrophic natural disaster that has been fueled by a rapidly changing climate. It is a stark reminder that we are nearly out of time to address this existential threat.

It’s not only ecological health that we’re focused on, but public health as well. During the last decade, we watched as an epidemic of opioid and substance use disorder gripped our communities and robbed us of the lives of too many young people. As a father, I take this issue very seriously. No parent should have to watch their child succumb to a preventable overdose. We cannot continue to enable the cycle of addiction and drug-related death.

This year, the Board is expanding and continuing several programs we believe to be critical to ending the opioid epidemic. This month, the Addiction Awareness Task Force will resume offering free Narcan training sessions, enabling ordinary community members to save a life during a moment of crisis. In the jail, recent grants now allow us to expand the Medication-Assisted Treatment program which will help reduce drug-related recidivism and overdoses among our formerly incarcerated population. In our communities, we have expanded the groundbreaking Project SAVE Program, which focuses on early invention for low-level offenders suffering from a substance use disorder. Together, we are prepared to attack the scourge of opioid abuse from all angles, and make our community a safer, healthier place.

In addition to safer parks, and safer homes, the Freeholder Board is continuing to identify public infrastructure such as roads, highways, and bridges, in need of repair or restoration. Each year the Board invests millions of dollars in the upkeep of our infrastructure as well as for major projects. In the coming weeks and months our crews will complete significant improvements along Chapel Avenue in Cherry Hill, Haddonfield-Berlin Road (CR 561), and new storm water enhancements throughout our network. As always, we will continue to connect with municipal leaders and residents for help identifying where significant upgrades can be made and are needed.

While many of these initiatives have been ongoing or occur each year, 2020 will represent a unique opportunity for our community. The decennial census count, which dictates the size of our representation in Congress, our federal funding allocation, and a variety of other critical measures, will be completed over the next 12 months.

We began connecting with our federal, state, and local partners last year to ensure a strategic, comprehensive approach to our Census efforts. Camden County is home to several, hard-to-count communities in both urban and rural areas, and we are working to ensure that everyone participates and gets counted. We are determined not to let this opportunity get away from us, as several of our communities have been undercounted in recent years, resulting in the loss of needed funds and even a lost congressional seat.

I want to highlight and thank Freeholder Carmen Rodriguez for the time and effort she has already spent helping to educate the public, and prepare for, the census, especially in the City of Camden. Her dedication and passion for this issue has undoubtedly increased the percentage of those who plan to participate, and we want to thank her for the work that she has already done and continues to do.

As we head into this 176th year in Camden County, we have so much to look back on, and so much more to look ahead to.

This year, we will continue to expand economic opportunity, protect the vulnerable in our community, push to make our communities safer, and ensure that our residents get their fair share of resources, funding, and representation.

I want to thank everyone for being here today and for their continued commitment to bettering our community. I also want to thank my fellow freeholders, as well as the public servants and employees that work to make Camden County a better place each and every day.”

GUEST OPINION: NRA-Defended Lawsuit Preserves Predator Hunting in Alaska

by

Brian McCombie/NRA-ILA

Great news for hunters in Alaska: Predator hunting, in accordance with Alaska law, can continue on the nearly 77 million acres of National Wildlife Refuge land in Alaska. And the National Rifle Association (NRA) helped make this happen.

Predator hunting was threatened, thanks to a federal lawsuit brought by the Center for Biological Diversity (CBD), in CBD v. Bernhardt.  The NRA and Safari Club International and others intervened as defendants in the lawsuit and argued against the CBD’s various claims against predator hunting on Refuge lands.

“This is an important victory for hunters and I’m proud NRA was an integral part of this litigation,” said Director of Hunting Policy for NRA-ILA Erica Rhoad. “Because of this case, states will continue to have the right to manage their wildlife as they deem appropriate.”

Hiking lead staff members of the U.S. Fish and Wildlife Service\’s Alaska Region to a large caribou herd in the Arctic National Wildlife Refuge. (Image by Danielle Brigida, USFWS.)

According to Associate Litigation Counsel for NRA-ILA Michael Jean, the genesis of the lawsuit goes back to August 2016, when the U.S. Fish and Wildlife Service, under the U.S. Department of The Interior (DOI), promulgated a rule that limited predator hunting—hunting that was otherwise authorized by state law—on National Wildlife Refuge land in Alaska. As reported by this NRA Hunters’ Leadership Forum website,

“not only did the Obama Administration’s blatant overreach counter America’s lauded state-based wildlife conservation

practices. It was also at odds with Alaska’s constitutional mandate to manage its fish and wildlife under the principles of sustained yield. Just as important, the difference between Alaska and other states is that many Alaskans subsistence-hunt for survival.”

However,

in accordance with the Congressional Review Act, as reported by NRAHLF.org, the DOI submitted that rule to Congress

. Then, in February 2017, Congress passed and President Trump signed H.R.J. Res 69 into law. H.R.J. Res 69 rescinded the DOI rule that limited predator hunting, prohibiting the DOI from promulgating a substantially similar rule in the future, allowing hunting to continue in accordance with Alaska law.

CBD challenged both H.R.J. Res 69 and the Congressional Review Act under the “Take Care” clause of the U.S. Constitution, which directs the Executive branch to take care and faithfully execute the law. CBD\’s argument was that because Congress did not directly amend any substantive law, the DOI didn’t know what the law was and could not faithfully execute it. The lawsuit launched by CBD named current DOI Secretary David Bernhardt as the defendant.

This grizzly was spotted from a camp on the Sheenjek River in the Arctic National Wildlife Refuge. (Image by Alexis Bonogofsky, USFWS.)

In May 2018, U.S. District Judge Sharon L. Gleason dismissed the suit in its entirety, relying on arguments made by the NRA and SCI.  CBD appealed.

Yesterday, on Dec. 30, a three-judge panel of the Ninth Circuit Court of Appeals affirmed that ruling dismissing all of CBD’s claims.

According to Courthouse News Service,

the judges “found that the Center for Biological Diversity failed to make a valid argument

that Congress violated the constitutional balance of powers when it passed a 2017 joint resolution allowing certain hunting techniques to be reinstated throughout Alaska’s expansive wildlife refuge system.”

The article also noted, “Because Congress properly enacted the joint resolution, and therefore validly amended Interior’s authority to administer national wildlife refuges in Alaska, Congress did not prevent the president from exercising his constitutional duty to faithfully execute the laws,” wrote U.S. Circuit Judge Sandra Segal Ikuta on behalf of the panel. “Indeed, the president now has the constitutional obligation to execute the joint resolution.”

The legal precedent here is important, too, as it can be used to keep National Wildlife Refuge hunting regulations in accordance with host states’ hunting seasons and regulations.

Follow NRA Hunters\’ Leadership Forum on Twitter @HuntersLead.

About the Author:

Brian McCombie is a field editor and editorial contributor for the NRA\’s American Hunter. He writes about firearms and gear for the NRA\’s Shooting Illustrated website, as well as handling public relations and marketing for companies and manufacturers in the shooting sports industry. He is a member of the National Rifle Association and the National Shooting Sports Foundation. Brian likes hunting hogs, shooting 1911s chambered in 10 mm and .45 ACP, watching the Chicago Bears and relaxing with his two cats, Peanut Morgan and Simon.

TWO NEW DETECTIVES JOINED THE CAMDEN COUNTY PROSECUTOR’S OFFICE

CAMDEN CITY NJ–On January 6, 2020, Andrew Austin and Kevin Long were sworn in as Special State Investigators/Acting Camden County Detectives for the Camden County Prosecutor’s Office. Detective Andrew Austin began his law enforcement career as a Police Officer with the New Castle County Police Department in Delaware before joining the Camden County Sheriff’s Department in 2015.  Detective Kevin Long began his law enforcement career with the Camden County Police Department – Metro Division before later joining the Evesham Township Police Department in 2016.

Photographed here from left to right are Special Deputy Attorney General/Acting First Assistant Prosecutor Mary Ellen Murphy, Acting Camden County Prosecutor Jill S. Mayer, Special State Investigator/Detective Kevin Long, Special State Investigator/Detective Andrew Austin, Special State Investigator/Acting Chief of Detectives Jeff Dunlap, and Chief of Staff Mike Mangold.

How to Get a Car Loan When You Have Bad Credit Score

(Gloucestercitynews.net)(January 8, 2020)–The

credit scorecard

plays an important role in getting a loan for the car. Unfortunately, bad credit score makes the process difficult for the borrower in terms of getting a favorable loan amount, monthly payments, and average interest rates. If you have got your heart set on

purchasing the dream car, then you probably need to contact a reliable lender for receiving

auto loans

. Your lender will guarantee the best auto financing deal regardless of your credit history. Read this article for more

information on getting a car loan with bad credit portfolio.

Work On Your Existing Scorecard

It is recommended to work on your existing credit score before you decide to buy a car on a loan. Check-in advance if your credit report will allow you to get a car loan or not. The bad credit portfolio surely decreases your chances of availing loans on favorable terms and conditions. By improving the score of your credit, you can shop around to choose the lending institution that fits best with your desires. It also increases your chances of getting car loans at the lowest possible rates. You can start by evaluating all the probable items that are responsible for your bad credit profile. Clean all the liabilities by paying off your unpaid accounts, reducing the number of total debts, highlighting the positive information on your scorecard, and resolving credit report errors. The continuous improvement in your scorecard leaves a good impression on the car dealers.

Increase the Amount of Down Payment

When you get to increase the amount of down payment, it means you have automatically improved your chances to receive a car loan even with bad credit history. Higher the down payment results in lesser the number of monthly payments, shorten the terms of your loan and lower the borrowing cost. The down payment is considered as money-in-hand which can impact the decisions of car loan lenders. The auto loans lender will support you in getting a car of your dreams even with a low credit score. It tends to reduce the risks associated with the default of the debtor.

Buy a Car That You Can Afford

Have you ever heard a common saying, “the less is more?” Well, that is also true when you make your decision to apply for a loan to buy a new car. If you desire to get an expensive car, then you probably realize that you would also have to take a considerable amount of loans. Similarly, when you have a limited amount saved up as down payment, then you will again have to cover the rest of the amount by getting a loan from financial lenders. Make sure you choose a car based on your estimated budget so you can afford monthly loan payments. Also, this will allow you to negotiate the average rate of interest against an approved amount of car loan.

Put Up Collateral Option

You can benefit from the collateral option if you are in trouble because of a bad credit scorecard. The collateral option allows the financial lenders to trust you because you have the intention to pledge something of great value like your house or expensive jewelry. This technique ensures the monthly payments and the residual amount of loan in the event of default or

bankruptcy

. Be careful when pledging your valuables as collateral, because your lender will sell them in case you are not able to pay. Consider all the significant risks to avoid worse case scenarios.

Consider the Help of a Co-Signer

If you have no credit history or if you are someone with a bad credit score, then don’t you worry! You can ask your parents, friends, siblings, or even your employer to co-sign the car loan. When you are financially stable and have a definite source of income, then your people will have no problem supporting you. Similarly, lenders will be happy to close a deal with you if you are in a position to mitigate the potential risks. Be absolutely sure you can make payments on time. Otherwise, your co-signer will become responsible for your debts.

image courtesy of Pinterest

Evidence Linking ‘Vaping’ to Increased Odds Of Asthma And COPD

Newswise — Using data from a large federal government telephone survey of adults, Johns Hopkins Medicine researchers report evidence that inhaling heated tobacco vapor through e-cigarettes was linked to increased odds of asthma and chronic obstructive pulmonary disease (COPD), conditions long demonstrated to be caused by smoking traditional, combustible cigarettes. The data, the researchers say, also suggest that odds of developing COPD may be as much as six times greater when people report they both vape and smoke tobacco regularly, compared with those who don’t use any tobacco products at all.

Reports on the studies are published Jan. 2 in the

American Journal of Preventive Medicine

and on Oct. 16 in

BMC Pulmonary Medicine

.

For both studies, the researchers caution that they weren’t designed to show that vaping directly causes lung disease, but only whether doing so was associated with an increased likelihood of having disease. The researchers also didn’t distinguish between vaping tobacco compared with cannabis. They also cautioned that self-reports via telephone surveys may not be wholly reliable. However, they say their findings demonstrate the need for continued research with e-cigarette users over time to confirm and clarify the risks.

Although e-cigarettes may turn out to be safer overall than traditional combustible cigarettes, our studies add to growing evidence that they carry health risks,” says

Michael Blaha, M.D., M.P.H.

, professor of medicine at the Johns Hopkins University School of Medicine.

These studies are the first in a series of larger and long-term studies that will more definitively provide evidence to inform tobacco users and regulators.”

Asthma, marked by inflammation of the airways and shortness of breath, affects an estimated 25 million Americans, and life-threatening episodes can be triggered easily by pollution, allergies and smoking. COPD, which affects some 16 million Americans, describes a group of disorders including emphysema and chronic bronchitis that make it hard to breathe due to permanent damage to the lungs over time. Rates of asthma and COPD are rising worldwide, according to the World Health Organization. Most cases of COPD result from smoking traditional cigarettes.

A study published by Blaha earlier this year in the

Annals of Internal Medicine

estimated that 1.4% of people, or about 1.9 million people in the U.S., solely use e-cigarettes. Scattered reports have linked the practice to a spike in respiratory illnesses dubbed EVALI (e-cigarette, or vaping, product use-associated lung injury), affecting more than 2,500 people and associated with numerous deaths, according to the Centers for Disease Control and Prevention. Because vaping and the products inhaled with it are still relatively new to the market, its safety remains unclear.

To shed some light on the risk, the researchers took advantage of national survey data gathered by the Behavioral Risk Factor Surveillance System from 2016 and 2017. This annual survey, commissioned by the U.S. Centers for Disease Control and Prevention, consisted of telephone interviews of more than 400,000 adult participants and provides data on health-related risk behaviors and chronic medical conditions.

In the analysis published in

BMC Pulmonary Medicine

, the investigators analyzed data from 402,822 people who identified themselves as never smokers, meaning they said they had smoked less than 100 combustible cigarettes in their lifetimes. Of these, 3,103 reported using e-cigarettes or vaping, and separately 34,074 people reported having asthma. The average age of e-cigarette users was 18–24. About 67% of e-cigarette users were men. Approximately 57% of e-cigarette users reported that they were white, 19% were Hispanic and 12% were black.

Almost 11% of the e-cigarette users reported having asthma, compared with 8% of those who had never used e-cigarettes. Those people who reported being current e-cigarette users were 39% more likely to self-report having asthma compared with those people who said they never used e-cigarettes. Those who said they used e-cigarettes some days were 31% more likely, and daily users were 73% more likely to report asthma, compared with non-e-cigarette users.

For the study published in the

American Journal of Preventive Medicine

, the researchers analyzed the same data from all the questioned participants. From the more than 700,000 interviewees, about 61% reported being never smokers, about 9% were current smokers, 30% were former smokers, more than 3% said they currently used e-cigarettes, and 2% said they used both e-cigarettes and smoked. The e-cigarette users were more likely to fall in the age range of 30–34, almost 60% were men, 72% identified as white, 8% as black, 3.5% as Asian and 11% as Hispanic.

Of those who said they used e-cigarettes, about 11% said they had chronic bronchitis, emphysema or COPD, compared with 5.6% of people who said they had never used e-cigarettes. Among never smokers, current e-cigarette users were 75% more likely to report having COPD, compared with those who had never used them. Those who said they used both e-cigarettes and smoked cigarettes were almost six times more likely to report having COPD, compared with those who had never used either, whereas just using combustible cigarettes alone increased the odds by three times.

“As a physician, I am most worried about those who use both e-cigarettes and combustible cigarettes because they may end up taking in the most nicotine, which may do the most damage,” says Albert Osei, M.D., M.P.H., a postdoctoral fellow at the Johns Hopkins University School of Medicine and lead author on the study.

Through public health campaigns, we finally had smoking levels down in some populations, but now with the current vaping epidemic, I foresee a whole new previously tobacco-naïve, young generation becoming dependent on nicotine if we do not intensify public health education efforts.”

According to the CDC, of the 16 million people in the U.S. who have COPD, 38% of them still smoke.

Additional authors on these studies include Mohammadhassan Mirbolouk, Olusola Orimoloye, Omar Dzaye, S. M. Iftekhar Uddin, Zeina Dardari and Shyam Biswal of Johns Hopkins; Andrew DeFilippis and Aruni Bhatnagar of University of Louisville; Emelia Benjamin of Boston University; and Michael Hall of University of Mississippi Medical Center.

This study was supported by a grant from the American Heart Association Tobacco Regulation and Addiction Center, which is funded by the National Heart, Lung, and Blood Institute/U.S. Food and Drug Administration (2U54HL120163).

COI: Defilippis receives funding from Astra Zeneca and consults for Radiometer America, Inc.

SEE ORIGINAL STUDY

NRA-ILA: Crime in Virginia is Falling – Governor Focuses on Making You a Felon

MONDAY, JANUARY 6, 2020

SUPPORT NRA-ILA

Disgraced Governor Ralph Northam and his anti-gun allies in the newly elected legislature have made it clear they are hell-bent on enacting gun control. They

want to take your guns

and they

want taxpayers to fund it

. They’ve seen the same research that has shown

that gun control doesn’t work

.

Violent crime in Virginia fell for the second consecutive year, and the Commonwealth has the fourth lowest violent crime rate in the nation – also for the second consecutive year. Virginia had the 25

th

largest decrease in the violent crime rate from 2017 to 2018, while holding its spot as the fourth safest state. Virginia is outpacing the nation in reducing violent crime; the national rate decreased 3.6% while Virginia’s decreased 5%.

It isn’t just overall violent crime that has decreased in Virginia. The murder rate fell by 17.3%, and firearms-related homicides specifically fell by 13.8%. For all of the Bloomberg talking points Northam and his minions regurgitate, there were eight homicides with a rifle

of any type

in Virginia in 2018. There were 3.75 times more homicides with knives (30 total) than rifles of any type and about twice as many fatal assaults with hands, fists, or feet (15 total) than rifles of any type.

Virginia has 14 times the population of Baltimore but 1.4% of the homicides (391 in Virginia statewide compared to 309 in the city of Baltimore). Clearly firearms aren’t the problem, and gun control doesn’t work.

The robbery rate fell 17.3% in Virginia from 2017 to 2018, and there was a decrease in both the number of robberies committed with a firearm (down 7.5%) as well as the percentage of all robberies that were committed with a firearm (down 2.4%).

The rate of aggravated assaults increased 0.7%, and changes in the number of aggravated assaults committed with a firearm tracked with the number of overall aggravated assaults (increases of 8.1% and 7.9%, respectively). The share of aggravated assaults that involved a firearm was steady while the percentage of assaults involving a knife or other cutting weapon increased 1.4%. There was a larger increase in the number of aggravated assaults committed with knives (9.2%).

So violent crime decreased. Homicides and robberies committed with a firearm both decreased while the percentage of aggravated assaults involving a firearm held steady and the overall aggravated assault rate only marginally increased. One might think, to listen to anti-gun legislators and activists, that Virginia is some kind of apocalyptic frontier with no law, no order, and danger around every corner. The data shows that Virginia is safe, both comparatively and categorically.

None of this is to suggest that any level of crime is acceptable. There is still violent crime in Virginia, and there are still criminals to find, arrest, and prosecute. However, the best way to tackle the crime that does occur in Virginia is to focus on those who commit the crimes – not criminalizing gun ownership and lawfully owned firearms.

Virginia would be best served by efforts focusing on criminals rather than bringing Bloomberg’s fantasy of criminalizing legal gun ownership to life. These efforts have been acknowledged by the Bloomberg-funded researchers at the

Bloomberg School of Public Health

and have had

actual real-world results

. Anti-gun researchers

, found that so-called “universal background checks” don’t reduce crime

just as we know that

bans on commonly owned firearms don’t reduce crime

.

Focusing on actual criminals does work.

Please contact Gov. Northam and let him know you oppose his unconstitutional gun control measures. You can contact Northam using the

Governor\’s Office contact form

or call his office at 804-786-2211​.

Help us hold the line.

Join us in Richmond

on January 13

th

and sign up to

volunteer

to help us defeat Northam’s unconstitutional gun control agenda.