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Widespread flash flooding along small streams, urban areas, and roadways is expected to begin this afternoon into Thursday from far eastern Texas, across Louisiana and Arkansas. This will also lead to minor to isolated moderate freshwater river flooding. #Laura pic.twitter.com/z71y3icU29— National Hurricane Center (@NHC_Atlantic) August 26, 2020 356

When it comes to Olympic tickets, the Latin expression “caveat emptor” often applies: “Let the buyer beware.”The unprecedented postponement of the Tokyo Olympics has left buyers of millions of tickets in a quandary. Will the games happen next year? Will non-Japanese fans be allowed? Will there be any fans? How will health and travel restrictions be applied? Will there be a vaccine and quarantines?Tokyo organizers and the International Olympic Committee say the games will open on July 23, 2021, and the competition schedule remains virtually unchanged. But they’ve offered few details, and specifics aren’t expected until the fall and into next year as the COVID-19 pandemic evolves.“We have some people saying there is no way Tokyo 2020 is happening, and other people are saying it’s absolutely going to happen and ‘I’m going to be there for every moment of it,’” said Ken Hanscom, the chief operating officer of the Los Angeles-based firm TicketManager.Hanscom isn’t connected with Olympic ticketing, but his company manages big-event tickets for corporate clients. He’s also organized a popular Facebook page that’s a go-to for Tokyo ticket information.Olympic ticketing is always confusing, a maze of interests including official ticket resellers, national Olympic committees and sports federations, sponsors and advertisers, and local organizers and the IOC.Invariably at every Olympics, an event is listed as “sold out” although the venue is half-filled because some VIPs or hospitality guests haven’t shown up.Four years ago in Rio de Janeiro, IOC member Patrick Hickey of Ireland was arrested for scalping tickets. He has maintained his innocence. Japan has passed an anti-scalping law specifically because of the games, though it has several loopholes.The Chinese e-commerce, data and technology company Alibaba is taking over ticketing for the 2022 Beijing Winter Olympics, and likely beyond. Alibaba owns Damai, one of China’s largest ticketing platforms, and is also an IOC sponsor.Olympic tickets for residents of Japan were sold through the local organizing committee. It says refunds for the postponement “will be carried out” no earlier than this fall. This seems straightforward.It’s more complicated for non-Japan residents.Those outside Japan purchase through so-called Authorized Ticket Resellers appointed by national Olympic committees. They can charge a 20% handling fee on tickets, and are allowed to package desirable tickets with premium hotel packages. They also set the foreign currency exchange rates.In Brazil four years ago, CoSport, the ATR for the United States, used a currency exchange rate that drove up ticket prices.There are dozens of ATRs, and they’ve applied varied terms, conditions and deadlines for seeking refunds. The largest ATRs are: CoSport/Jet Set Sports, the only ATR for the United States; Cartan, which covers much of Latin America; MATCH Hospitality for Brazil and Russia; Kingdom Sports for much of Asia and Africa; Fanatic Sports for India.Christopher Chase, an attorney based in New York who specializes in sports, intellectual property and media, looked at the “Terms and Conditions” set out by Tokyo organizers regarding ticket use. He said the “force majeure” clause was defined broadly enough to cover the pandemic and health crisis.“Force majeure” spells out unforeseeable circumstances that prevents a contract from being fulfilled.But he noted that local organizers had already committed to paying refunds for the postponement, as have many ATRs.“It’s all a bit confusing as each set of terms seem to direct to the other party’s (terms),” wrote Chase, a partner in the law firm Frankfurt Kurnit. “But it does appear that tickets refunds are possible, regardless of whether a force majeure event occurs.”Tokyo organizers say at least 70% of 7.8 million tickets were set aside for buyers in Japan. About 4.5 million tickets have been sold to Japan residents, with ticket sales expected to be worth at least 0 million to local organizers, their third largest source of income.Hanscom said the uncertainty was pushing down hotel prices in Tokyo. This is accentuated as organizers say they’ll “simplify” the Olympics and cut back on officials, hospitality and media, freeing up blocks of hotel rooms.The Associated Press emailed about a dozen ticket buyers in the United States who purchased from CoSport. Some are keeping their tickets and plan to go. Some returned tickets but still plan to go and buy later. Others canceled plans to go altogether.Andrew Pham, a commodities trader in Spokane, Washington, summed it up. He has invested ,500 in tickets and still plans to go.“I would say at this point, no one should be buying or holding any tickets that they couldn’t afford to lose,” he said.Pham said he assumes that CoSport will be unlikely to return money if the Olympics are canceled.“I couldn’t imagine that they would have the cash liquid to refund people. The terms and conditions are also quite ominous,” he said.Sharon delPilar, a stage manager in Las Vegas, is also going ahead and has spent 0 on tickets.“I’m willing to run the risk — to a certain degree,” she wrote. “Everything else I have purchased (hotel and air) has been made with the option of refunds/cancellation. I trust all efforts will be made to work things out.”Thomas Armbrustmacher, an accountant in Fowler, Michigan, said he has invested almost ,000 in tickets and is also taking a chance.“I am willing to take the risk that I will not get a ticket refund,” he wrote. “I am being cautious on what I buy from here on out though because if cancellation results in no refund, I don’t want to lose too much more money than I have already spent.”Brandon Nagata, a state employee in Honolulu, said he spent about ,400 on tickets and had returned some for a credit card refund, minus the non-refundable service fee. He returned other tickets in exchange for credit for a next-time buy. No service charge was taken out. He still plans to attend.He was critical of CoSport setting the refund deadline on July 31 — a year away from the opening. He said CoSport also did not make the deadline widely known.Lora Cesana, who works as a film and television designer in Des Moines, Iowa, returned about ,000 in tickets. She said she and her husband, who also has an Italian passport, decided this was not the right time for an Olympics. They both are former New York City residents.“We witnessed friends and family in Milan and New York go through this crisis,” she wrote. “It was clear to us that it was not the right time to travel to Japan for a large gathering such as the Olympics.”___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 6720

WEST PORTSMOUTH, Ohio - In Ohio, a dad turned an awkward silence into a beautiful moment when he belted out the national anthem at a high school basketball game after the sound system failed.The moment captured on video took place before the Waverly Tigers were to take on the Portsmouth West Senators Friday night.According to CNN, the pregame rituals started as usual, with everyone standing before playing the national anthem, but then, silence.The sound system was experiencing technical difficulties.That's when Trenton Brown began to belt out "The Star-Spangled Banner" at the encouragement of his wife, with no musical backup or a microphone.After he was done singing, Brown sat down and started eating his popcorn, CNN reported.Johnny Futhey, another parent who was at the game, captured the moment and posted it on his Facebook page, where it quickly went viral.Futhey said the performance brought tears to people's eyes.Brown told CNN that he's been singing most of his life but has never performed the national anthem solo. 1042

With COVID-19 cases surging across most of the country, teachers are weighing whether it’s safe for them to return to the classroom while at the same time, trying to make sure their students don’t slip through the cracks because of the virus.In a virtual town hall-style meeting, four educators from across the country gathered to share their thoughts, concerns and excitement about the upcoming school year. The overriding theme: parents and students will need to be flexible.“We’re going to ask you for grace for this entire year. We want to teach your children, but when we voice concerns it’s not because we’re lazy and we don’t want to work, it’s because we want to make sure our families are safe, too,” said Rachel Sandoval, an elementary school teacher in Colorado.Sandoval’s school was forced to close back in March because of COVID-19. She knows her students have lost out on valuable in-person learning time because of the virus, but she’s also worried that gathering students back in a classroom setting this coming fall could give the virus a perfect environment to spread in.“We can’t do the same thing we did last year. The world has changed. Everything has changed,” she said.Her concern was echoed by other teachers who joined the virtual town hall.Steph MacPhail teachers 5th grade in Minnesota. As a mom, she’s struggled to juggle a full-time teaching job, while at the same time, taking care of her two young boys.“I felt really burned out this spring from a teacher perspective and from a parent perspective,” she said.While McaPhail misses her students, she worries that COVID-19 cases will continue to surge if kids go back to school.“Kids and families want to go back to normal, but this is going to be anything but normal, and that’s scary,” she said.Across the country, many school districts are choosing to start the year virtually, which brings another set of challenges. Some kids don’t have adequate internet access or access to a computer that they can use to access online classes.“We need to make sure kids are still staying engaged while at the same time dealing with these environmental factors. For a lot of students in poverty-stricken areas, having the one interaction at school is so critically important,” said Dr. Kenyae Reese, who serves as a principal in Nashville, Tennessee.Dr. Reese’s district is one of those starting the school year entirely online. She’s asked her teachers to be flexible. In some instances, she says she’s talked to students who might be embarrassed to turn on their camera during a Zoom call because of the home they live in. Other students in her high school are taking care of younger siblings, all while trying to keep up with classwork.“We’re changing the landscape of a whole generation, what they know about school and how they interact with people,” Dr. Reese said.With all the uncertainty, though, every teacher still expressed joy and excitement about whatever the upcoming school year brings, including Phillip Starostka, who teaches elementary school in Arizona.“We are working as hard as possible and will do everything we can to make it seamless,” he said. 3145

What to keep in mind with credit card bill payments (READ)Tips on handling your credit cards amid virus outbreak (READ)Help available for renters, homeowners struggling to pay for housing during pandemic (READ)3 ways credit cards can help you ride out a crisis (READ)SAN DIEGO (KGTV) -- Tens of thousands of people in California are being sued for not paying their credit card bills and other types of loan payments. The lawsuits are what's known as rule 3.740 collection cases."A lot of worrying after that, like oh my god, what am I going to do," said Chris Madden. "Stressed out now and just didn't need it."In February, Madden was served with a lawsuit from a debt collection company.During an interview with 10 News that month Madden said he needed to borrow money a few years ago to keep his car. He turned to a lender that could get him money quickly."I figured it was going to be a high-interest rate, like 22% or something," he said. "I started making the payments on it, and then I found out more about it."Madden admits he didn't do a great job getting all the details when he took the money, saying the interest rate wasn't clear. When he finally did look at the fine print, he saw the interest rate was 135%. Court documents show a ,000 loan turned into ,000 owed."They were threatening to take any assets that I have, garnish my wages," Madden said.Madden said he stopped paying. He's being sued by a debt buyer under what's known as a rule 3.740 collections case.According to the 2020 California Rules of Court, "Collections case" means an action for recovery of money owed in a sum stated to be certain that is not more than ,000, exclusive of interest and attorney fees, arising from a transaction in which property, services, or money was acquired on credit."Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. 1927

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