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CHARLESTON, SC -- Jacob Kosinski has a lot to celebrate after graduating from his Christian-based home-school program summa cum laude with a 4.89 grade-point average. His mom, Cara Koscinski planned a graduation party for her 18-year-old son and ordered a cake from Publix for the big occasion. Koscinski ordered the cake online and provided the information she wanted on the cake. She wanted it to say "Congrats Jacob! Summa Cum Laude class of 2018." When she typed the message into the cake message option, the Publix website didn't' like the middle word in the phrase.The website put three hyphens in its place, so the finished cake read "Congrats Jacob! Summa --- Laude, class of 2018."Koscinski explained the meaning of the word in the special instructions box on the website and ordered the cake. She even pointed out that "the system is mistaking the word 'cum' for something inappropriate vs. Latin."Koscinski sent her husband to pick up the cake before the celebration, and when he returned from the store, the lines remained in place of "Cum." Koscinski shared her frustration on Facebook and said her son, Jacob, "was humiliated!!!" "Shame on Publix for turning an innocent Latin phrase into a total embarrassment for having to explain to my son and others (including my 70-year-old mother) about this joke of a cake."Koscinski called Publix and explained the situation to the assistant manager. Publix offered to give them a replacement cake but Cara declined. Instead, the grocery store gave Cara a refund for the cake and a store gift card.  1608

CHICAGO (AP) — Religious leaders across the country used their pulpits Sunday to quell concerns in immigrant communities and spring into action as nationwide immigration enforcement sweeps loomed.A Chicago priest talked during his homily about the compassion of a border activist accused of harboring illegal immigrants, while another city church advertised a "deportation defense workshop." Dozens of Houston churches offered sanctuary to anyone afraid of being arrested. In Miami, activists handed out fliers outside churches to help immigrants know their rights in case of an arrest."We're living in a time where the law may permit the government to do certain things but that doesn't necessarily make it right," said the Rev. John Celichowski of St. Clare de Montefalco Parish in Chicago. His nearly 1,000-member congregation is 90 percent Hispanic and mostly immigrant.While federal immigration officials were mum on details, agents had been expected start a coordinated action Sunday targeting roughly 2,000 people, including families, with final deportation orders in 10 major cities, including Chicago, Los Angeles, New York and Miami.Activists and city officials reported some U.S. Immigration and Customs Enforcement activity in New York and Houston a day earlier, but it was unclear if it was part of the same operation. An ICE spokesman didn't return a request for comment Sunday.The renewed threat of mass deportations has put immigrant communities even more on edge since Trump took office on a pledge to deport millions living in the country illegally.In Los Angeles, the Rev. Fred Morris looked out over his congregation at the North Hills United Methodist Hispanic Mission and was relieved to see everyone who usually attends the early Sunday morning service. He had been worried many would stay home, fearing Trump's threat of immigration sweeps."Everybody is nervous," Morris said. "They are angry, very angry at being terrorized by our president."___Associated Press writer Claire Galofaro in Louisville, Kentucky, and Adriana Gomez in Miami contributed to this report. 2097

CAMP PENDLETON, Calif. (KGTV) — A pair of brothers was arrested this week after police say they tried to carjack a man working on his vehicle on Interstate 5, assaulted him, and fled onto Camp Pendleton property.The brothers were traveling on southbound I-5 on Tuesday at about 10 a.m. when their Ford Mustang broke down just north of Las Pulgas Road. The pair walked to Vista Point and asked a truck driver for a ride to Long Beach, but the driver said no, California Highway Patrol said.The brothers then approached a 58-year-old man from San Diego who was working on his broken-down vehicle. The man was leaning over the engine of his vehicle with the hood up when one of the brothers placed the man in a headlock while the other brother assaulted the man in the face and body, CHP said.The truck driver who denied the brothers a lift saw the attack and came to the victim's aid. The brothers fled the area west, and climbed over a fence onto Camp Pendleton, said CHP.Camp Pendelton Police were nearby and quickly found and detained the two. CHP officers responded to the scene as well. The victim received moderate to major injuries during the assault and is expected to recover.Gonzalo Lopez, 24, and Eusebio Lopez, 19, both from Long Beach, were arrested and charged with assault and battery, and attempted carjacking. Gonzalo was also charged with driving under the influence while Eusebio was charged with being drunk in public. 1444

Buying a vehicle is a commitment even in the best of times. A down payment ties up a lot of ready cash. You make payments for 48, 60 or even 84 months. And worse, the car loses value as soon as you drive it off the lot, which means you may owe more than it’s worth for years.That’s not a great fit in this pandemic-driven recession, where flexibility and adequate emergency savings are keys to financial survival.Right now the answer to the lease-or-buy question “is a very big ‘yes,’ for leasing,” says Oren Weintraub, president of Authority Auto. He’s advising clients of his car-buying concierge service to at least consider leasing because of the current economic conditions.You can put little or no money down. You can select a shorter term than a car loan. And the risk of massive depreciation down the road is borne by the bank, not you.A lot of buyers are coming to the same conclusion: The percentage of buyers who use automakers’ finance arm and choose to lease has risen from 31% to 52% year over year, according to industry analyst J.D. Power.5 reasons leasing works nowNot everyone is a candidate for leasing. But here are five factors that could tip the decision toward leasing rather than buying your next vehicle.1. Leasing offers a shorter commitment. “No one knows what will happen over the next few years,” Weintraub says. “People are worried about job security and their finances so the commitment of a car purchase isn’t as appealing.” Instead, consumers are leaning toward leasing because there are affordable two- and three-year leasing agreements available. Also, points out Scot Hall of the lease-trading site Swapalease, leases are more flexible since the contract can easily be transferred to another person without a severe financial penalty.2. Leasing requires little upfront money. During the recent lockdowns, many people burned through their savings and had little cash left for a down payment for buying a car. But lease contracts can be initiated with little or no money down. Of course, a no-money-down monthly lease payment is higher, but some people still prefer it, Weintraub says. If monthly payments are still too high, it’s best to consider leasing a lower-priced car to stay in your budget.3. Low interest rates mean more affordable payments. Current lending rates are at a nearly seven-year low, according to auto site Edmunds, with many no-interest loans available. Weintraub says this substantially reduces the cost of monthly payments.4. Manufacturer incentives abound. Each month, carmakers offer incentives to make car purchases and leases more affordable. Weintraub says there are currently many of these low-cost leasing incentives available. That could change as sales rebound, though. To find deals, Hall recommends going to the manufacturer’s website and searching for special offers. The terms of the lease are spelled out by listing the three major elements of the contract:Monthly payment.Length of the lease in months.Amount due at signing, which is similar to a down payment.Lenders can adjust these factors and apply the cash incentives in a number of ways to arrive at a low lease payment, Hall says.5. Leasing protects against sudden depreciation. Leasing is based, in part, on the predicted value of the car at the end of the contract. But in today’s world, Weintraub says that no one truly knows what the car will be worth in three years. So if the value of the car unexpectedly drops, it’s the lender’s problem, not yours. If, however, the car’s value is unexpectedly high at the end of the lease, you have the option to buy the car yourself and can possibly make money by selling it.The basics on leasingTrying to get the best deal on a lease is different from negotiating to buy a car. Here are a few tactics that the experts recommend.Check pricing guides. Because of limited inventory caused by factory shutdowns, the price of some cars has risen, Weintraub says. Begin by checking car prices on sites such as Edmunds, TrueCar and Kelley Blue Book. But keep in mind that these are not real-world prices.Shop multiple dealerships. Get apples-to-apples lease quotes from at least three dealerships to find your best deal. Tell the dealer the amount you want to pay in drive-off fees, the length of the loan — three years is the “gold standard,” according to Hall — and the number of miles you want to drive. Based on this, the dealer will give you a monthly payment. Every part of the deal is negotiable.Cast a wide net. Car factories were closed during the shutdown, so choices may be limited for a few months. Some manufacturers’ websites allow you to search multiple dealerships to find the right model in your preferred color.Keep an eye on the miles. Understand how many miles of driving are included with the lease agreement. In most leases, 12,000 miles a year is standard. But recently, some leases include only 10,000 miles or fewer, but offer a lower monthly payment. Fewer miles and a lower payment might actually fit better for many people as working from home becomes the new normal, Hall says.More From NerdWalletStill Undecided About College This Fall? Know These 4 OptionsWhy We Name Our CarsA Student Loan Expert Takes Her Own AdvicePhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 5314

Cathedral High School in Indianapolis announced the official name change of its entrepreneurship course to the "Chris Beaty Entrepreneurship Class."Chris Beaty was an Indianapolis business owner and former Indiana University football player who was beloved in the community.Beaty was one of two men who were shot and killed when violence erupted during police brutality demonstrations in Downtown Indianapolis. He was 38."There was so much pain caused by Chris's tragic murder, I felt it was too narrow to hear him only referred to as a former Cathedral and IU football player," Alex Purvis, who played football with Beaty at Cathedral High School in the early 2000's, said. "Chris was so much more than that, and I want to do my part to make sure his legacy continues at Cathedral."Purvis spearheaded the initiative to make the name change of the private school's entrepreneur course because he wanted to make sure Beaty was known for more than just football. Purvis says Beaty was not only an entrepreneur but says he was a friend, he was compassionate, and he always made people feel welcomed."He made everyone feel like a VIP. Few people have that ability," Purvis said.Purvis only knew Beaty for one year at Cathedral — but that was enough for Beaty to make an impact on Purvis.Purvis described himself as, "the smallest kid on the football team" his sophomore year, and Beaty was a senior star-athlete."Years later, when I started running into Chris downtown and various events, Chris always made me feel like I was the star quarterback on Cathedral's team. For no other reason than that was his genuine personality—he made people feel special. His warmth and positivity was infectious," Purvis said.Purvis said to best #LiveLikeChris, it's fitting to name Cathedral's entrepreneurship class in Beaty's honor. Beaty was always working on "the next big thing," Purvis said."I think the root of entrepreneurship is having the ability to take an idea and outlining the steps to make it happen," Purvis said. "That's exactly what Chris did. He was a doer, a leader, and a builder—his friends turned into business partners and vice versa."Both Cathedral High School and Indiana University have also created the "Chris Beaty Foundation Scholarship," in his honor."Using that foundation and exploring entrepreneurship in high school will hopefully open students' eyes to all of the possibilities they have in college and beyond. Students should know they are capable of creating their path, just like Chris Beaty did," Purvis said. "And they should know that they, too, have what it takes to live like Chris. We'd all be lucky to have more Cathedral students grow up to be like him."WRTV's Shakkira Harris first reported this story. 2739