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When Villanova won its 2016 national championship, the Wildcats needed a bucket at the buzzer to secure the victory. On Monday, no such shot was needed. Villanova gained the lead in the first half of Monday's national title game against Michigan and never looked back, as the Wildcats representing a relatively small private Philadelphia university defeated the flagship state university of Michigan by a 79-62 margin. The win marked Villanova's second title in three seasons under coach Jay Wright. No team has won two titles in three seasons since Florida won back to back titles in 2006 and 2007 under Billy Donovan. Despite other heavy favorites getting tripped up throughout March Madness, Villanova was barely tested in the 2018 NCAA Tournament. Villa nova won all six of its tournament games by double figures. Michigan, on the other hand, did not have to face a top-five seeded team until Villanova in the NCAA Tournament. Michigan came into Monday's game with a 14-game winning streak.That did not mean Michigan wasn't tested. The Wolverines eked out two wins by less than four points in this year's tournament. Michigan trailed by double figures in Saturday's game against Loyola-Chicago in the Final Four, before pulling ahead to win by double figures.Donte DiVincenzo, who did not play in the 2016 national title game for Villanova, led the way on Monday by scoring 31 points for Villanova. DiVincenzo's 3 with 6:08 left in the first half gave Villanova a 23-21 lead. Villanova would not relinquish the advantage for the remaining 26:08 of the game. Villanova led 37-28 at halftime, after Michigan trailed by just two with 3:34 left in the half. Within two minutes of the second half, Villanova opened a 14-point lead, causing Michigan to call a timeout. The timeout failed to stop the bleeding, as Villanova out-hustled Michigan for loose balls and rebounds.  1935

With a .6 billion Mega Millions jackpot up for grabs Tuesday night, lottery players across the country are no doubt looking for any edge they can get.Disclaimer: Your odds of winning the Mega Millions jackpot are 1 in 302,575,350, no matter which numbers you pick or where you buy your tickets.Mathematicians say the simplest way to increase your odds is to buy more tickets. Think about it: Two tickets give you twice the chance (though your odds are still minimal), and buying 100 million tickets would give you a 100 million chances (but you could still lose, and lose 0 million in the process).Whatever you do, don't overspend. Mega Millions reminds players that gambling can be addictive and very damaging. The information below is presented solely for entertainment purposes only, and the E.W. Scripps Co. is not responsible for any losses incurred by using the following tips.  947

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

When it comes to saving lives, seconds count. And now, thanks to improving technology, drones are proving to be a game changer in an emergency.Dozens of people’s lives were saved last year with the help of drones, according to drone maker DJI.  The company said from May of 2017 to April of 2018, 65 people were rescued with the help of a drone. DJI reviewed media reports to come up with that number and included documentation in its recent report released this year.Firefighters, search and rescue teams and other members of law enforcement are using drones to survey an area much faster from the air than people can on the ground.“During a search and rescue operation we can see body temperature, Romeo Durscher, DJI’s Public Safety Integration Director, said.Drones carry more than simple cameras. They are now built to send back infrared images.Aeryon Defense USA, of Denver, has drones that can carry upwards of four pounds of payload. The company sells drones that can be used by police agencies and the military."That allows you to hook in a medical kit, radio, food, water (or) ammunition to provide life sustaining equipment," said Mark Holden of Aeryon Defense USA. “We can carry water, enough for one day, food, even ammunition resupplies and some explosives as well.”The company’s drones can also be programed to single out a person moving in the camera’s view, but ignore a tree blowing in the wind or wildlife.“This is just the beginning. Everything we do is about taking the load off the end user. We want to replace human functions on the battlefield with a robot,” Holden said.Drones have helped find a woman with dementia in Randolph County, North Carolina. She had wandered into a nearby field. Drones dropped a life preserver to flood victims in Sichuan, China before rescue crews arrived to save the victims. An infrared camera-equipped drone located a crash victim who became unconscious after leaving his car to get help. A similar camera also was used to locate lost tubers on a river in Vestavia Hills, Alabama.Technology allows drones to carry more weight than before. In the last one-and-a-half to two years, drone makers have improved how drones fly in difficult weather conditions."Search and rescue operations rarely happen on a beautiful, no wind kind of day so we had to design them to withstand the snow, the wind, and the rain,” Durscher said.They can help save the lives of rescuers too."You know what's ahead of you. It can alert you of a big cliff or flooded river,” Durscher said.Drones used by most rescue agencies run as much as ,000 to ,000. 2642

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467