DIRS.INFO The most relevant business & tech news

☆ Decline in Veterans’ Homelessness Spurs Hopes for a Broader Solution
▼ + stars: | 2024-08-06 | by ( Jason Deparle | ) www.nytimes.com time to read: +1 min

After two years in the Air Force and decades on Skid Row, Steve Allen was spending his senior years living in his car. Home for Babs Ludikhuize, an Air Force veteran recovering from domestic violence, was in psychiatric care. Now all three have comfortable apartments with subsidized rents, and they embody what many analysts call the greatest success in homelessness policy — the decline in homeless veterans. Progress in the veterans program has slowed as rising rents displace more tenants and make it harder to help them regain housing. But while homelessness among veterans rose last year, the increase was smaller than other groups faced.

Persons: Steve Allen, John Sullivan, “ Patton, ”, Babs Ludikhuize Organizations: Air Force, Army, Department of Veterans Affairs, Department of Housing, Urban

☆ Nancy Pelosi scores yet another win with Harris' VP pick
▼ + stars: | 2024-08-06 | by ( Grace Eliza Goodwin | ) www.businessinsider.com time to read: +3 min

Nancy Pelosi is a master at influencing the Democratic Party, and she scored another win this week with Kamala Harris' VP pick. "Tim Walz is wonderful," Pelosi told MSNBC's Joe Scarborough and Mika Brzezinski, adding, "He has a great vision for our country. When asked about her power within the party, particularly on Biden's decision to drop out, Pelosi told Kelly that she wasn't the one instigating phone calls with other Democrats. Advertisement"I did not call one person," Pelosi told Kelly. Pelosi told Kelly that she has not spoken to Biden since he made his decision to drop out public.

Persons: Nancy Pelosi, Kamala Harris, —, Harris, Tim Walz, Pelosi, Walz, Joe, MSNBC's Joe Scarborough, Mika Brzezinski, — Pelosi, Joe Biden, Biden, MSNBC's, Biden's, NPR's Mary Louise Kelly, Kelly, CNN's Dana Bash Organizations: Democratic Party, Service, Democratic, Minnesota Gov, Business, Veterans Affairs, California Democrat Locations: MSNBC's, America, Minnesota, California, United States

The veteran joined thousands of victims who filed claims under the Camp Lejeune Justice Act, which expedited litigation when it was signed into law in 2022. The entrance to Camp LeJeune in Jacksonville, N.C., in 2017. Fred Marie / Corbis via Getty Images fileWith the Aug. 10 deadline fast approaching, at least 2,067 Camp Lejeune Justice Act cases have already been filed there so far, according to the court’s clerk, Peter Moore Jr. Andrew Van Arsdale, an attorney representing more than 9,000 Camp Lejeune claimants, said his firm has resolved 15 cases with the Navy in two years. The Department of Veterans Affairs said evidence shows a link between the chemical exposure at Camp Lejeune and some conditions, including Parkinson’s disease and several cancers.

Persons: Terry McClure, McClure, Camp Lejeune, ”, Denise, “, Denise McClure, Lejeune, Joe Keiley, Keiley, Peter Romano, ” Romano, Joe Biden, Camp, Fred Marie, Corbis, Peter Moore Jr, Andrew Van Arsdale, ” Denise McClure, ” Denise Organizations: Marine Corps, Camp Lejeune Justice, Navy, Camp LeJeune, Getty, Justice Department, Agency, Toxic Substances, Centers for Disease Control, “, Department of Veterans Affairs, Lejeune Locations: Camp, North Carolina, Eastern, of North Carolina, Jacksonville, N.C, Camp Lejeune, Louisville , Kentucky

☆ A little-known law has forced over 120,000 veterans to return the money they got to leave the military, new data shows
▼ + stars: | 2024-08-02 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms | Melissa Chan | ) www.nbcnews.com time to read: +10 min

He said the VA is legally bound to recover special separation benefits from veterans before those eligible can begin receiving disability payments. The VA had to recoup separation pay from 8,130 veterans in fiscal year 2020 and 8,550 in 2021. In 2021, the Veterans Benefits Administration began scanning all veterans’ service and medical records into electronic files, which “reduces the likelihood of this situation reoccurring,” Hayes said. Unique exceptions to the lawVeterans have a chance to pursue a waiver of their recoupment responsibilities for only certain special separation benefits under the law. In 2023, the Navy authorized reducing the amount of disability pay that is withheld while voluntary separation pay is recouped, Navy spokesperson Charlie Spirtos said.

Persons: “, ”, Vernon Reffitt, recoupments, Terrence Hayes, Shawn Teller, Teller, ” Teller, “ It’s, Reffitt, ‘, Hayes, ” Hayes, Erika Yepsen, Yepsen, recoupment, ” Yepsen, Charlie Spirtos, Marquis Barefield, ” Barefield, Ruben Gallego Organizations: NBC News, Army, U.S . Department of Veterans Affairs, NBC, “, VA, Veterans, Administration, The Air Force, Air Force, Air Force, Navy, Marine Corps, Coast Guard, DAV, American Veterans, ” Veterans, recoupment, RAND Corporation Locations: U.S, Storm, Walnut Creek , California, Twin City , Georgia, United States

☆ I was kicked out of high school, so I turned to the Marines for a way forward. Now, I'm a corporate lawyer with degrees from Stanford and Harvard.
▼ + stars: | 2024-07-23 | by ( Elle Hardy | ) www.businessinsider.com time to read: +7 min

At 17, I was kicked out of high school because I skipped class to work at my fast-food job and hang out with my friends. I was always interested in the MarinesAfter getting kicked out of school, I enlisted in the Marine Corps. AdvertisementI got my GED and took 15 units of entry-level community college classes, like English 101 and US History. AdvertisementI left the military and began classes at a community collegeTragically, our first daughter died during birth. It's pretty amazing that a Black kid from a low-income family who didn't finish high school was able to achieve all of this.

Persons: —, Andrew Hanson, I'd, Stanford, I've, they've, Lauryn Haas Organizations: Service, Business, Marines, Marine Corps, School of Infantry, Tragically, Stanford, Columbia, Department of Justice, Harvard University, Department of Veterans Affairs, Harvard Locations: Virginia, Chicago, Camp Pendleton , California, Iraq, New Orleans, California, Washington, Cambridge , Massachusetts, Skadden, Slate, lhaas@businessinsider.com

Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.

Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron

To show proof of disability income, you'll need to provide some verification that you're currently receiving benefits and that they aren't set to expire within the next three years. Benefits of home loans for disabled individualsMany loan programs allow you to use disability income to qualify. Disabled individuals can use FHA loans, VA loans, USDA loans, and special programs from Fannie Mae and Freddie Mac. Yes, disability income is considered as part of your total income, which can help qualify for various home loan options. What are the benefits of FHA loans for disabled individuals?

Persons: Fannie Mae HomeReady, Freddie Mac, Fannie Mae, you'll, Brian Quigley, Quigley, you've Organizations: Federal Housing Administration, US Department of Agriculture, Social Security Disability Insurance, Social Security Administration, SSI, SSA, Department of Veterans Affairs, Beacon Lending, USDA, Social Security, Chevron Locations: Chevron

Determining your budgetYou can figure out how much house you can afford to buy using our free mortgage calculator. While you may already have an idea of what you think you can afford, you'll need to find out how the bank sees you. It will include a list of all of your finalized closing costs and how much cash you'll need to close. The final walkthroughBefore closing, you'll also get a chance to view the home one more time. How to buy a house FAQsHow much down payment do I need to buy a house?

Persons: You'll, George Chedid, Dana Bull, They're, Bull, you've, Don't, it's, They'll, you'll, they've, Chedid Organizations: Compass, Federal Housing Administration, US Department of Veterans Affairs, US Department of Agriculture, you'll, Homeowners Insurance Allstate, Insurance Locations: Kendall Park , New Jersey, Chevron, Boston

Here are the best mortgage lenders for first-time homebuyers and the affordable loans they offer, as chosen by Business Insider editors in 2024. If you're a Bank of America Preferred Rewards customer, you can get discountsCheck mark icon A check mark. Offers many unique types of mortgagesCheck mark icon A check mark. Low Cost Mortgages come with only $295 in closing costsCheck mark icon A check mark. Mortgage credit certificatesSome HFAs also offer mortgage credit certificates to first-time homebuyers.

Persons: It's, Chase, Grant, You'll, Carrington, Carrington doesn't, forbearance, HELOC, homebuyers, Truist, doesn't, Flagstar, they're, homeownership, Fannie Mae, Freddie Mac's, you'll, Anthony Park, Molly Grace, Julie Aragon, There's, Lauryn Williams, —, there's, PenFed, USAA, Wells, Wells Fargo, Ally Organizations: Homebuyers Bank of America Mortgage, Mortgage, Chase, Federal Credit Union Mortgage, New, U.S, Bank Mortgage, Federal Savings, Loan, Truist, Flagstar Bank, Business, Bank of America, of America, FHA, Bank, Bank of, Bank of America's, Miami . Bank of America, USDA, Guild Mortgage, Veterans, Navy, Credit, Federal, Navy Federal, Navy Federal Credit Union, Department of Defense, Student Loan, . Bank, US Bank, U.S . Bank, Carrington Mortgage, Carrington Mortgage Services, Consumer Financial Protection, DC, Private Mortgage Insurance, PMI, Down Payments, Quicken, Rocket Mortgage, Rocket, CrossCountry Mortgage, CrossCountry, Loans, Flagstar Bank Mortgage, Federal Housing Finance Agency, Federal Housing Administration, US Department of Housing, Urban, US Department of Veterans Affairs, US Department of Agriculture, Best, Chevron, CFP, Pentagon Federal Credit Union, BBB, Fairway Independent Mortgage Corporation, Veterans United, Movement Mortgage, NBKC, PNC Bank, Better Business Bureau Locations: VA, HELOC, Washington, DC, Charlotte, Dallas, Detroit, Los Angeles, Miami, Delaware, Vermont, Delaware , Vermont, Wyoming, J.D, New York, ., U.S, Massachusetts, North Dakota, Ohio, Florida, California , Colorado , Connecticut, Georgia , Illinois , Indiana , Kentucky, Maryland , Massachusetts , Missouri , New Hampshire , New Jersey , New York, North Carolina , Ohio , Oregon , Pennsylvania, South Carolina , Tennessee, Virginia, Tennessee, Arizona , Alaska, Hawaii, Arizona , California, Florida , Indiana , Michigan , New Jersey , New York , Ohio, Wisconsin, Flagstar, Arizona , California , Connecticut , Idaho , Michigan, Nevada , Ohio, New Mexico, Chevron, Wells Fargo

You can also use our guide to the best low credit score mortgage lenders to see which lenders accept borrowers with lower scores. Minimum credit score by mortgage typeConforming mortgage: 620 or higherConforming mortgages, which are the most common type of mortgage, are only available to borrowers with credit scores of 620 or higher. Get copies of your credit reportUnderstanding your credit history is key to understanding what's affecting your credit score. Review your credit report again to see what is impacting your credit score, then take steps to improve it. Getting a mortgage with bad credit frequently asked questionsCan you get a mortgage with a 500 credit score?

Persons: it's, US Department of Veterans Affairs doesn't, you've, It's, you'll, You'll Organizations: US Department of Veterans Affairs, Rocket Mortgage, Freedom, Carrington Mortgage, HUD, Federal Housing Administration, Chevron Locations: CreditRepair.com, Chevron

☆ Inside the $43 million Veterans Affairs simulation hospital where doctors are piloting new tech
▼ + stars: | 2024-07-13 | by ( Ashley Capoot | In | ) www.cnbc.com time to read: +6 min

An operating room at SimVET Courtesy: SimVETInside a sprawling $43 million Veterans Affairs facility equipped with operating rooms, intensive care units and an outpatient clinic, there are no patients. The SimVET facility in Orlando, Florida Courtesy: SimVETThe Veterans Health Administration services 9 million veterans in 172 medical centers across the U.S. Each medical center has a simulation program, and some have a dedicated space on site. "We have two fully staffed operating rooms, all the equipment you would normally use: lights, booms, real anesthesia machines. A mannequin at the SimVET facility Courtesy: SimVETBeyond its unusual patients, SimVET is home to many familiar-looking health-care scenes. Fluorescent lights line a long hallway full of exam rooms, and operating rooms stuffed with machinery look like they were plucked straight from a nearby hospital.

Persons: it's, Scott Wiltz, SimVET, Wiltz, SimVET Wiltz, Amanda Borchers, Borchers Organizations: Veterans Affairs, Orlando International Airport, National Center, CNBC, Veterans Health Administration, U.S, Research Network, SimVET, Medical Locations: Florida, SimVET, Orlando , Florida, Orlando, Lexington, Kentucky

“I want you to know that despite all the speculation in the press and elsewhere, I am firmly committed to staying in this race, to running this race to the end, and to beating Donald Trump,” Biden wrote in the letter, obtained by CNN. Any weakening of resolve or lack of clarity about the task ahead only helps Trump and hurts us,” Biden concluded. More than a handful of top House Democrats told Minority Leader Hakeem Jeffries on Sunday that Biden needs to step aside amid concerns about down-ballot Democratic races. Biden offered a confusing response to a question about his letter to Hill Democrats calling for unity and lambasted Trump for being on the golf course after the debate. Biden team hosting another top donor callAlso on Monday, the Biden campaign is hosting a donor call with its national finance committee, a source familiar with the call said, another sign of outreach.

Persons: Joe Biden, Donald Trump, ” Biden, Biden, ”, Hakeem Jeffries, Trump, — Joe, I’ve, hasn’t, who’ve, “ I’m, I’m, Jeffries, Chuck Schumer, Nancy Pelosi, James Clyburn —, Schumer, Clyburn, Pelosi, Jerry Nadler, Adam Smith, Mark Takano, Joe Morelle —, Sen, Mark Warner, Warner, Jen O’Malley Dillon, Wes Moore, O’Malley Dillon, Moore, “, ” Moore, we’re Organizations: Washington CNN, Capitol, CNN, Democratic Convention, Trump, House, Hill Democrats, Capitol Hill, Democratic, Democrats, Biden, ABC News, Judiciary, Armed Services, Veterans Affairs, Administration, Virginia Democrat, Warner, Maryland Gov, White Locations: “, Washington

☆ Biden and Trump are vying for the veteran vote in the 2024 race. Here's how their policies on veteran affairs stack up.
▼ + stars: | 2024-07-05 | by ( Thomas Novelly | Rebecca Kheel | ) www.businessinsider.com time to read: +10 min

Biden shepherded through the PACT Act , which has been described as the biggest expansion of veterans benefits in a generation. "Someone who may have had a rare cancer that was benefited by the PACT Act, that's the most important thing to them. President Joe Biden delivers a speech about the PACT Act at the Westwood Park YMCA in Nashua, New Hampshire. After Jackson's bid ended, Robert Wilkie, who had been working at the Pentagon, was nominated and confirmed as VA secretary. Denis McDonough, who was Obama's chief of staff, has served as VA secretary since the beginning of the Biden administration.

Persons: —, Joe Biden, Donald Trump, Biden, Trump, Patrick Murray, Military.com, John Tully, Joe Parsetich, Barack Obama, Cheriss, VFW's Murray, Donald J, Veterans Affairs David Shulkin, Michael Reynolds, Trump's, David Shulkin, Obama, Shulkin, Ronny Jackson, Jackson, Jackson's, Robert Wilkie, Veterans Affairs Denis McDonough, Chip Somodevilla, Denis McDonough, Donald Remy, Tanya Bradsher, McDonough Organizations: Service, Business, Department of Veterans Affairs, Biden shepherded, Veterans, Foreign, PACT, American, Westwood, Getty, Disabled American Veterans, White, Biden, US, Veterans Affairs, Wimbledon, Shulkin, White House, Pentagon, Trump, Cross Locations: France, Nashua , New Hampshire, Rose, Trump's, Europe, Texas

It was a one-time, lump-sum special separation benefit offered to service members when the U.S. had to reduce its active-duty force. Courtesy Vernon ReffittThousands have found themselves in Reffitt’s position due to a little-known law that prohibits veterans from receiving both disability and special separation pay. Under the law, the VA has to recoup special separation benefits from veterans before those eligible can begin receiving disability payments. Army veteran Daphne Young said she would not have taken the separation pay had she known. Under the law, veterans have a chance to pursue a waiver of their recoupment responsibilities for voluntary separation pay, but the standards are high.

Persons: Vernon Reffitt, Reffitt, Stephanie Rennane, Rennane, it’s, Daphne Young, Daphne Young Young, Young, Marquis Barefield, Barefield, Shane Collins, Collins, Ruben Gallego, Gallego, I’ve Organizations: Department of Veterans Affairs, RAND Corporation, NBC News, Army, Young, DAV, American Veterans, Veterans, recoupment, RAND, Marine, Marines, Pentagon, Defense Locations: U.S, Twin City , Georgia, Panama, Honduras, Germany, Columbus , Georgia, Iraq, Afghanistan, Twin Falls , Idaho, United States

Domestically, slot machines are prohibited on military bases, though casinos are frequently located nearby. The VA began treating gambling disorders in the late 1960s, about nine years after Congress banned slot machines from domestic bases. The Department of Defense declined CNBC's request for an interview, but said in a statement there hasn't been any systemwide increases in resources to address problem gambling. "DoD researchers are aware of changes in gambling availability due to new mobile and sports gambling options and will consider these variables in future military gambling research," a department spokesperson said in an email. The military is conducting a new survey, with results expected in the fall, the spokesperson addedThe Department of Defense operates slot machines on military bases abroad.

Persons: Dave Yeager, Yeager, servicemembers, Heather Chapman, It's, Dominick DePhilippis, Chapman, hasn't Organizations: Istock, Army, Defense Department, CNBC, Department of Defense, Office, Lewis, McChord, Department of Veterans Affairs, DoD Locations: South Korea, Washington, U.S

☆ These gay military veterans wonder what Biden’s new pardon means for them
▼ + stars: | 2024-06-30 | by ( Ramon Sanchez | Ray Sanchez | ) edition.cnn.com time to read: +12 min

The pardon won’t automatically change the record of convicted veterans, but it will allow them to apply for a certificate that will help them receive withheld benefits. “Our nation’s service members stand on the frontlines of freedom, and risk their lives in order to defend our country. Despite their courage and great sacrifice, thousands of LGBTQI+ service members were forced out of the military because of their sexual orientation or gender identity,” Biden said. A service member’s discharge status can determine what Veterans Affairs benefits they are eligible for. To get their records changed under the pardon, veterans will need to complete an online application, which will go to their military service department.

Persons: Mona McGuire, Karla Lehmann, “, ” McGuire, McGuire, ”, Lehmann, Joe Biden, Biden, ‘ What’s, ’ ” Lehmann, Biden’s, ” Biden, Christie Bhageloe, Bhageloe, Don’t, Ruth Castro, ’ McGuire, “ I’m, I’m, …, ’, I’ve, ” “, America’s Organizations: CNN, US Army, Army, Milwaukee Police Department, Michigan State Police, Armed Forces, Military, Department of Justice, Veterans, Department of Defense, Defense Department, Affairs, Pentagon, Department, 164th Military Police Company, Army Board for, Military Records, Department of Locations: West Germany, Milwaukee, Mineola , Texas, Wisconsin

CNN —President Joe Biden is expected to pardon US veterans who were convicted by the military over a 60-year period under a military law that banned gay sex, three US officials told CNN. The granting of pardons won’t automatically change convicted veterans’ records but allows those impacted to apply for a certificate of pardon that will help them receive withheld benefits. A service member’s discharge status can determine what kind of Veterans Affairs benefits they are eligible for. “For decades, our LGBTQ+ service members were forced to hide or were prevented from serving altogether,” Defense Secretary Lloyd Austin said at the time. If a certificate of pardon is issued, the service member will then have to apply to their respective military department’s board of corrections to have their military records corrected.

Persons: Joe Biden, won’t, Don’t, ”, Lloyd Austin Organizations: CNN, Military, Veterans Affairs, Pentagon, ”, Department

☆ 80th anniversary of D-Day: This year will likely be the last major D-Day anniversary with living veterans, so organizers are all-out
▼ + stars: | 2024-06-02 | by ( Joshua Berlinger | ) edition.cnn.com time to read: +10 min

Fifteen Canadian veterans, including three or four that fought on D-Day, are traveling with the Canadian delegation, according to John Desrosiers, the director of international operations for Veterans Affairs Canada. US D-Day veterans attend an event at the Normandy American Cemetery and Memorial as part of the 79th anniversary D-Day celebrations on June 6, 2023. American and Canadian organizers told CNN that they will seat veterans last at their respective national ceremonies to keep them comfortable. The general public at the American event, for example, may need to be seated about an hour in advance due to security precautions. American troops march up from Omaha Beach on June 18, 1944.

Persons: Jake Tapper, “, Jack Foy, Foy –, Foy, ” Foy, ”, Michel Delion, Mark, Katherine Sibilla, –, Charles Djou, John Desrosiers, Desrosiers, Christopher Furlong, Joe Biden, Rishi Sunak, Justin Trudeau, Vladimir Putin, Volodymyr Zelensky, King Charles III, Queen Camilla, Prince William, Buckingham, Djou, Tom Schaffer, John Pinkerton, Schaffer, Gareth Fuller, Hitler, Ben, ” Brands, “ There’s Organizations: CNN, Chief Washington, Democracy, France CNN —, Mission, Joint Chiefs of Staff, Monuments Commission, Canadian, Veterans Affairs Canada, Cemetery, Memorial, British, French Interior Ministry, Defense, Underwood Archives, Ben Brands, ”, US Department of Veterans Affairs Locations: Caen, France, Ukraine, Europe, Normandy, US, United States, Belgium, Monaco, Netherlands, Norway, British, Ver, Mer, Omaha, Sword, Utah, Omaha and Utah, Nazi Germany, Omaha Beach, Germany, Colleville, Canada, American

☆ Want a low mortgage rate? Take someone else’s
▼ + stars: | 2024-05-31 | by ( Samantha Delouya | ) edition.cnn.com time to read: +6 min

This means that a buyer keeps the seller’s repayment period, mortgage balance and, notably, the seller’s lower mortgage rate. Securing that ultra-low mortgage rate means that Harper will save thousands of dollars in monthly payments. “I just decided I wanted to see how low I could pay on the interest rate,” Harper said. And while the mortgage rate on the second loan may be high, the total monthly payment could still be lower — if the assumed mortgage rate is low enough. Snagging a low mortgage rate like Harper’s in today’s high interest rate environment may seem like a dream come true to some prospective homebuyers, but the process is not always smooth sailing.

Persons: ”, Ted Tozer, Ginnie Mae —, Tozer, Ellen Harper, Harper, “, ” Harper, ” Tozer, homebuyers, he’d, Raunaq Singh Organizations: CNN, of Housing, Urban, Urban Institute, Intercontinental Exchange, Federal Housing Administration, US Department of Veterans Affairs, Realtors Locations: Georgia, Georgia , Arizona , Colorado , Texas, Florida

☆ Zero-down mortgages are making a comeback
▼ + stars: | 2024-05-30 | by ( Matt Egan | ) edition.cnn.com time to read: +8 min

That massive roadblock is being removed by a new zero-percent down mortgage program launched two weeks ago by one of the nation’s largest mortgage lenders. ‘Demand has been huge’These mortgages are only open to first-time homebuyers and those making no more than 80% of the area’s median income. That’s because in order to refinance at a lower rate, the homeowner would need to fully pay off that second mortgage. For instance, Bank of America launched a zero-down payment mortgage program in 2022 for first-time homebuyers in certain Black and Hispanic neighborhoods. “These mortgages are going to be ticking time bombs – just like subprime mortgages –unless home prices continue to increase very substantially,” Kelleher said.

Persons: Mat Ishbia, homebuyers, Christian Petersen, refinances, UWM, ” Alex Elezaj, they’d, ”, Patricia McCoy, McCoy, won’t, Bankrate, ‘, Anneliese Lederer, ” Lederer, ” Dennis Kelleher, ” Kelleher, Jonathan Adams, ” UWM, Elezaj, “, ” Elezaj, ” It’s, “ We’re, Greg McBride, Adams, ” Adams Organizations: CNN, United Wholesale Mortgage, Phoenix Suns NBA, Phoenix Suns, NBA, Oklahoma City, Footprint Center, Boston College Law School, Consumer Financial Protection Bureau, Federal Reserve, Bank of America, US Department of Agriculture, US Department of Veterans Affairs, Center for Responsible, Better, Saint Joseph’s University, Bankrate, “, Wall Street Locations: Phoenix , Arizona

☆ A 20% down payment is 'definitely not required' to buy a house, economist says. Here's how much you need
▼ + stars: | 2024-05-24 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

Phynart Studio | E+ | Getty Images'The conundrum of the housing market'One way to reduce your monthly mortgage payment is to put down more money and borrow less. Nationally, the average down payment on a house is closer to 10% or 15%, Hale said. Even with a conventional loan, buyers' required down payment could be between 3% and 5%, depending on their credit score and other factors. While a lower down payment is one way to "attack affordability challenges," it can be a "mixed bag," Hamrick said. With a lower down payment, you will need to borrow more from your lender, which raises the monthly cost of your mortgage, Hale said.

Persons: Hale, there's, Hamrick Organizations: CNBC, SurveyMonkey, Department of Veterans Affairs, U.S . Department of Agriculture, Federal Housing Administration, PMI Locations: U.S

☆ Inside Oracle's Deadly Gamble on Cerner and Electronic Health Records
▼ + stars: | 2024-05-20 | by ( Ashley Stewart | Blake Dodge | ) www.businessinsider.com time to read: +29 min

That was the promise of Cerner, the medical-records company Oracle bought in 2021 for $28.3 billion — Oracle's biggest acquisition. At the time, Cerner managed the electronic health records for a quarter of all American hospitals, including those run by the Pentagon and the Department of Veterans Affairs. Larry EllisonCerner's electronic records, in short, were a deadly disaster for the VA. Never mind the futuristic, AI-driven healthcare system Ellison envisioned. In 2015, it beat out Epic, its main competitor, for a $4.3 billion contract to handle electronic health records for the Defense Department. It had agreed to process tens of millions of crucial medical records, but it couldn't handle the subsequent deluge of data.

Persons: Larry Ellison's, Ellison, Cerner, I'm, Larry Ellison, Neal Patterson, Cerner's, Patterson, Ellison's, they're, David Shulkin, Margaret Albaugh, Cerner couldn't, Charlie Bourg, —, Larry, Marc Benioff, Ellison protégé, Mike Wilson, David Agus, oncologist, Agus, he'd, Steve Jobs, Sensei, We've, Georges De Keerle, Cerner —, hadn't, Mike Sicilia, Sicilia, Oracle, Anthony Jones Jr, Jones, Donald Remy, didn't, Seema Verma, Neil Evans, Sara Vaezy, Ed Meagher, haven't, Charlie Monroe —, it's, Charlie Bourg —, Bourg, Charlie Monroe, Monroe, Cathy McMorris Rodgers, grandkids, We're, there's Organizations: Oracle's, Oracle, Pentagon, Department of Veterans Affairs, Cerner, RAND Corporation, RAND, Big Tech, GE, Siemens, Cerner Corporation, Defense Department, Department of Defense, Business, Spokane, Ellison Institute of Technology, Microsoft, Agency, Health, Amazon, Veterans ' Affairs, Oracle Health, Navy, Columbus VA, BI, Life Sciences, Intermountain Health, UPMC, DOD, Seabees Locations: Las Vegas, antiaging, Silicon Valley, Spokane , Washington, Cerner, VistA, Bourg, Washington, Sicilia, Ohio, Columbus, Providence, Spokane, Monroe, CloudWorld

☆ A 20% home down payment isn't 'the law of the land,' analyst says. Here's how much people are paying
▼ + stars: | 2024-05-14 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

Tetra Images | Tetra Images | Getty ImagesPutting 20% down is 'definitely not required'One way to reduce your monthly mortgage payment is by putting down more money and borrowing less. But for many households, trying to get a higher down payment can be challenging, said Danielle Hale, chief economist at Realtor.com. While a lower down payment is one way to "attack affordability challenges," it can be a "mixed bag," Hamrick said. With a lower down payment, you will need to borrow more from your lender, which raises the monthly cost of your mortgage, Hale said. A smaller down payment can also mean you don't qualify for a lender's best -available interest rate.

Persons: Danielle Hale, there's, SurveyMonkey, Hale, It's, Hamrick Organizations: CNBC, Department of Veterans Affairs, U.S . Department of Agriculture, Federal Housing Association Locations: U.S

☆ MDMA therapy could be legalized by summer. Why are so many advocates sounding the alarm?
▼ + stars: | 2024-05-13 | by ( Anna Silman | ) www.businessinsider.com time to read: +52 min

Last summer, thousands of tie-dyed Burners and Patagonia-clad tech founders converged on the MAPS Psychedelic Science conference in Denver. The experience "broke the spell of this trauma, and she was able to rebuild her life," Doblin told The Guardian . The video team's job was to store recordings of every MDMA therapy session performed in the clinical trials. Grof believes in something called an "inner healing intelligence," an innate capacity for self-healing that psychedelic therapy helps unleash. Another time, a patient who had come to an MDMA therapy session later acknowledged they had been under the influence of LSD during treatment.

Persons: Jaden Smith, Aaron Rodgers, bro, Andrew Huberman, Rick Doblin, Doblin, mainstreaming psychedelics, influencers, Johnson, Elizabeth Nielson, Aubrey Marcus, ayahuasca, Matthew Stockman, Helena —, Timothy Leary, —, Hitler, Stanislav Grof, zombified, Brad Burge, Michael Mithoefer, Annie Mithoefer, Oprah, Sen, Joe Biden, MDMA's neurotoxicity, they'd, Albert Hofmann, David Bronner, Dr, Joe's, Bronner, Bronner's, Richard Rockefeller, John D, Rockefeller Jr, Rockefeller, Neşe, Johns Hopkins, who's, Devenot, Rick Friedman, Betty Aldworth, MAPS's multimillionaire, Tim Ferriss, Cody Swift, Zendo, Aldworth, Erica Siegal, Seth Whitelaw, Amy Emerson, JULIE JAMMOT, Ifetayo Harvey, Harvey, Lauren Unger, Unger, Casey Hardison, Harvey didn't, Hardison, Doblin's, Baylee Ybarra Gatlin, Gatlin, negligently, There's, Michael Pollan's, Steve Jurvetson, Elon Musk's who's, Genevieve, Steve Cohen, Alexandra, Mark Zuckerberg's, Dustin Moskovitz, Cari, Gwyneth Paltrow, Paltrow, Sergey Brin, Joe Green, Green, Zuckerberg, Genevieve Jurvetson, Michael Pollan, Jonathan Lubecky, he'd, Rebekah, Robert Mercer, Elizabeth Koch, Charles Koch, Rachel Nuwer, Koch, she'd, MAPS's, Elizabeth Crystal, Joe Rogan, didn't, Jesus Christ, Crystal, Meaghan Buisson, Richard Yensen, Donna, Yensen, Buisson, weren't, Robert, Rebekah Mercer, Sean Zanni, Grof, They've, Kayla Greenstien, it's, George Sarlo who'd, Vicky Dulai, Sarlo's, Dulai, Gul Dolen, Michael Mullette, who'd, Marla Aufmuth, Mullette, Lily Kay Ross, David Nickles, Ross, Greenstien, Rick, Lenny Ignelzi, biostatisticians, Lykos, Peter Thiel, Kara Swisher, Kris Lotlikar, Federico Menapace, Mo Septimus, Handout, Monnica, Williams, Lotlikar, Henry Elkus, Helena ., Elkus, Emerson, ICER Organizations: Science, New York Jets, rockstar, Multidisciplinary Association for Psychedelic Studies, Lykos Therapeutics, and Drug Administration, FDA, Business, Florida's New College, Jewish Telegraphic Agency, Sarasota Herald, Tribune, New College, Guardian, Drug, Harvard's Kennedy School of Government, eBay, Nevada, Doblin, Pentagon, Department of Veterans Affairs, Department of Defense, Staff, Corporation, PBC, pharma, New Yorker, New York Mets, Bloomberg, CBS, Breitbart, CBC News, BI, Porsche, Santa Cruz, New York Times, longtime, Mullette Corporation, New York, Health Canada, Compass, Sciences, Psychedelic Science, Whole Foods, McKinsey, Big Pharma, Vine Ventures, Lucid, Street Journal, Investments, Gawker, Publicly, PBC alums, Numinus, US Army Locations: Patagonia, Denver, Harvard, Colorado, Skokie , Illinois, Ireland, Czech, Sarasota, Arcturus, Florida, Swiss, Vietnam, Washington, Santa Cruz, Chicago, California, Iraq, British Columbia, New York, Hawaii, Santa, Nature, Moderna, Europe, Helena, Yale, Australia, Canada, Israel, Ukraine, ICER, . Upper

☆ Veteran who admitted faking disability to obtain more than $660,000 in benefits gets prison time
▼ + stars: | 2024-05-08 | by ( Fabiana Chaparro | ) edition.cnn.com time to read: +4 min

CNN —A US military veteran who admitted he faked being unable to walk for more than 20 years while claiming several hundred thousand dollars in disability benefits has been sentenced to prison time. Stultz had pleaded guilty to making false statements by faking the impairment that prevented him from walking to obtain veteran’s disability benefits, according to the US attorney’s office. In addition to his prison sentence, Stultz was ordered to pay $662,871.77 in restitution, which is the total amount he is said to have gained from veteran’s disability benefits. “The defendant lied to the VA for 20 years to obtain disability benefits he was not entitled to. According to court documents, Stultz has been in regular counseling since March 2020 along with physical therapy for several physical ailments.

Persons: Christopher Stultz, Stultz, ” Jane Young, “, ” Prosecutors, ”, Dorothy Graham Organizations: CNN, US Navy, US Department of Veterans Affairs, Prosecutors, ”, Disorders, ” CNN Locations: Antrim , New Hampshire, New Hampshire, “, Boston

Search resuls for: "Veterans Affairs"

25 mentions found