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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 man accused of sending mail bombs to prominent Democrats last fall is expected to plead guilty in federal court next week, according to the US Attorney's Office for the Southern District of New York.Cesar Sayoc was 230

The Lucas County (Ohio) coroner said 14-year-old Harley dilly most likely died the day he went missing. “There is no accurate forensic way of determining an exact time of death in such circumstances," coroner Daniel Cadigan said. Harley was found lodged in the chimney of an unoccupied home just steps from the Dilly family home. Last seen walking to school, police said it appeared Harley climbed an antennae tower to the roof and entered the chimney.His coat and glasses were found inside the home near a flue and on the second floor of the house.The coroner ruled Harley's cause of death as compressive asphyxia. Compressive asphyxia is when respiration is prevented by external pressure on the body.Authorities said his death appeared to be accidental.This article was written by Courtney Shaw for 814

The company that made billions selling the prescription painkiller OxyContin has filed for bankruptcy days after reaching a tentative settlement with many of the state and local governments suing it over the toll of opioids.The filing late Sunday night in White Plains, New York, was anticipated before and after the tentative deal, which could be worth up to billion over time, was struck.But legal battles still lie ahead for Purdue. About half the states have not signed onto the proposal. Several of them plan to object to the settlement in bankruptcy court and to continue litigation in other courts against members of the Sackler family, which owns the company.The bankruptcy means that Purdue will likely be removed from the first federal opioid trial, scheduled to start in Cleveland on Oct. 21. 819

Terrorism is an age-old concept.Some people think the first attack happened in the first century against Roman collaborators.But modern terrorism is thought to come out of mid-19th century France, when good-quality, affordable explosives hit the market and radical political movements became more prominent.It came to the U.S. during the same time frame.Today, the terrorism landscape is much different, and so is the response.The FBI says its No. 1 priority is protecting the U.S. from terrorist attacks, regardless of motivation.Terrorism investigations fall into two categories at the FBI: international terrorism and domestic terrorism.The first is when an attack is inspired by or associated with foreign organizations or nations.If the attack or attacks are meant to further a domestic influence’s goals, it’s domestic terror.The FBI’s examples of domestic terror motivations include politics, religion, race and social issues.Domestic terror “remains persistent” overall, according to the FBI.The FBI says people cross the line from exercising First Amendment freedoms to committing crimes in hopes of furthering violent agendas.Terrorism has evolved immensely since 9/11.The FBI says lone offenders and the internet have accelerated that evolution.According to the FBI, lone offenders are tougher to identify and stop because they aren’t always clearly tied to a group.And the internet — social media, in particular — helps terrorists connect with potential recruits more easily.To meet the evolving threat, law enforcement is constantly changing its approach. 1580