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Does undocumented immigration lead to more violent crimes? A study looking at the increase of illegal immigrants over 24 years says no.There's a stigma linking violent crime with illegal immigrants and part of that has to do with the spotlight on MS-13 gang arrests across the country and specifically in Lake Worth. But, a state-by-state study says an increase in undocumented immigration actually makes communities safer.The study was conducted by sociologists Michael Light of the University of Wisconsin at Madison and Ty Miller of Purdue University.The FBI's Uniform Crime Report statistics show Florida's violent crime rate over time and statistics from the Pew Research Center show the increase in undocumented immigrants.The study looked at those statistics from 1990 to 2014. In those 25 years, Florida's undocumented immigration was at its lowest in 1990 and its violent crime rate for those years was at its highest. Fast forward to 2007, the undocumented immigration population peaked in the state, and the violent crime rate had dropped by 40 percent and continued to decrease. The study echoes what many immigration advocates argue. "We don’t see a large criminal underground in Lake Worth. What we see are families struggling to get by," said Tim Gamwell, Executive Director of the Guatemalan-Maya Center which helps immigrant families. Big dreams hang up on the walls of the Escuelita Maya in Lake Worth, an after-school and VPK program run by the center.Hopefully, he is going to have a better life than other kids in my country," said Esmeralda about her son.Esmeralda came to the United States when she was five to escape crime in El Salvador.  "It's not an option to come here and be illegal, it's something that we have to do," she said. Getting involved in criminal activity could mean losing everything you've worked for. Patricia Vargas works with families at the Guatemalan Maya Center and said many are afraid of being deported. Gamwell said in some cases they don't even report when they are victims of crimes. "We've seen a history of that, where people are targeted because they have cash on them on payday," said Gamwell. Gamwell said the focus for the 600 plus families they serve in Lake Worth is making ends meet and providing for their children."The big issues are:  How do I educate my children? how to do I get access to a computer? How am I going to pay the rent this month? Not bailing someone out of jail," added Gamwell.  2559

DUBLIN, Calif. – Actress Lori Loughlin has surrendered herself to authorities to begin her two-month prison sentence for her involvement in the college admissions scam.NBC News and The Associated Press report that Loughlin reported to the Federal Correctional Institution in Dublin, California, on Friday to be processed.The former “Full House” star showed up early. She wasn’t ordered to report to the San Francisco- area prison until Nov. 19, NBC News reports.Earlier this year, Loughlin and her husband, fashion designer Mossimo Giannulli, pleaded guilty for paying 0,000 in bribes to cheat the college admissions process.It came to light in 2019 that the couple paid the money to get their two daughters into the University of Southern California as crew recruits, even though they aren’t rowers.Loughlin and Giannulli were among several people arrested in the case that was called “Operation Varsity Blues.”Loughlin was handed her two-month prison sentence in August, when a judge accepted her plea deal. The same day, her husband was sentenced to five months behind bars for his role. 1101

Dr. Anthony Fauci's rookie baseball card broke sales records in 24 hours for Topps.The company announced the news Monday, saying 51,512 cards were sold.The card showed a picture of the National Institute of Allergy and Infectious Diseases, throwing out the first pitch for the Washington Nationals.The previous record was set in 2016 for a card of Blue Jays' third baseman Vladimir Guerrero Jr., which sold 19,396 prints, per The Action Network's Darren Rovell. 469

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Don’t expect BLM and social justice messages on basketball courts or jerseys in the NBA next season, according to league Commissioner Adam Silver.The 2020 NBA season has gotten a lot of attention for both the league’s response to the coronavirus pandemic with a “bubble” and their public embrace of social justice issues and the Black Lives Matter movement this summer.During a NBA Countdown interview on ESPN ahead of a playoff game earlier this week, Silver was asked about the league championing social justice and civil rights, but as Silver noted in a press conference recently, that has not been universally popular.“How committed are you to being that going forward?” host Rachel Nichols asked.Silver quickly responded, “We’re completely committed to standing for social justice and racial equality. It’s part of the DNA of this league.”He then said changes could come in how that commitment is manifested. The commissioner acknowledged the league has to sit down with the players and discuss for next season.“I would say in terms of the messages you see on the court on our jerseys, this was an extraordinary moment in time, when we began the discussions with the players and what we all lived through this summer,” Silver said.In July, when the league restarted their 2020 season from a so-called bubble in Orlando, “Black Lives Matter” was painted on the court floor. Players, coaches and staff stayed in Orlando this summer and drastically limited contact with the outside world and other people, in order to stop the spread of the coronavirus.Also this season, players were allowed to put slogans or phrases on their jerseys to highlight causes they support.The league was also the first large sports group to protest playing games in the wake of the shooting of Jacob Blake in Kenosha, Wisconsin. Instead, many teams and other leagues spent time focused on social justice issues.Blake is a black man who is now recovering at a rehabilitation center after being shot several times in the back by a police officer.So, what can fans expect in the 2021 season?“My sense is there will be some sort of return to normalcy. That those messages will largely be left to be delivered off the floor. And I understand those people who are saying ‘I’m on your side, but I want to watch a basketball game,’” Silver said.As for when the next season will start, Silver says everyone with the league needs a rest, mentally and physically, and they don’t have an exact start date at this time. They said it could be as early as Christmastime, but will likely be in 2021. 2572