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The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983
The judge presiding over the historic Oklahoma opioid trial will deliver his ruling Monday afternoon -- a decision that could have sweeping implications as other states and communities try to hold pharmaceutical companies responsible for the opioid epidemic that has killed hundreds of thousands of Americans since 2000.The state has accused Johnson & Johnson and its subsidiary, Janssen Pharmaceuticals, of creating a public nuisance that cost the state billions of dollars and destroyed thousands of lives. Johnson & Johnson has denied any wrongdoing and said it has been made a "scapegoat."Cleveland County District Judge Thad Balkman will issue his decision at 3 p.m. (4 p.m. ET) in his courtroom in the college town of Norman.It is the first state trial attempting to hold a pharmaceutical company accountable for one of the worst epidemics in history. The state has asked for nearly .2 billion to fix the epidemic 943

The Department of Homeland Security has requested assistance from the Defense Department to mount approximately 218 miles of new and replacement barriers along the US-Mexico border, 194
The African Safari Wildlife Park in Port Clinton, Ohio, is mourning the loss of 10 animals it housed in a barn that caught fire Thanksgiving evening.Firefighters from Danbury Township, Catawba Island and Port Clinton all responded to the blaze, according to authorities.In a message posted on the park's Facebook page, park officials said they are still assessing how many animals perished in the fire."We are grateful that our staff is safe and no one was injured, but the loss of the wildlife that we care for every day is tragic for our team members who love these animals," park officials said on Facebook. According to authorities, 10 animals died in the fire. They are: three bongos, three giraffes, three red river hawks and one springbok. A zebra managed to escape the fire. 794
The latest version of Monopoly is taking on a big social issue – the gender pay gap. It’s called Ms. Monopoly. The rules are a bit altered from the original board game to give female players a leg up. Women start with ,900, while men only start with ,500. Women also get 0 for passing go and men get the standard 0. There are some cards that give advantages to the men but they are limited. Some have criticized the new version of the game, calling it a gimmick. Others, however, say it sends a great message about gender equality. "Choosing the gender gap in wage is I think pretty bold and it's you know Monopoly is played majority by kids and so reaching them in an early age and telling the gals that they're just as valued if not more valued than men based on what they do. I think it's a great story," said Keith Meyers, owner of Board Game Republic. Meyers started working in the board game industry as a teen and is well aware of this the game and its social commentary. "I know some of the people who work at Hasbro and I applaud them for their efforts in what they've done," said Meyers. If you know the history of Monopoly, this new version is especially interesting because of who originally created the popular board game. "A mistaken conception is hat Charles Darrow was the inventor of it but it was actually Elizabeth Magie," said Meyers. "It was based off of Elizabeth Magie’s game that was actually built to show the bad side of monopolies and you know the whole tenant landlord issues."Ms. Monopoly pays homage to monopoly's original intent nearly 100 year ago. The game is also teaching a younger generation that women can make as much as men do, if not more. 1702
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