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Some jails across the country are treating inmates with controversial medication to help them battle their addictions. Critics argue the method is just trading one drug for another. But authorities, health officials and former inmates argue it’s a step in the right direction.For inmate Matthew Bardier, huge life changes led him to become an IV heroin user at the age of 23.“My father passed away,” Bardier recalls. “I ended up going through a separation, going through a divorce."Bardier had previously been a successful electrician.At the Franklin County Jail, two hours west of Boston, inmate Nelson Lacap has a similar story. After serving in the military, Lacap spent years fighting a different type of battle. His addiction to pain pills led to him to heroin.Both inmates have tried to beat addiction, but they ended up using again and finding their way into handcuffs.But now there's a new sense of hope, thanks to a combination of two drugs: Buprenorphine and Naloxone. One is an opioid that help cuts heroin cravings and give addicts a sense of calm.However, the medication is stirring controversy, with critics saying the patients aren’t quitting opioids all together. Instead, they argue it’s trading one drug for another, because Buprenorphine does give someone a high.Does it work?Sheriff Christopher Donelan with the Franklin County Sheriff says there have been benefits."Well, it's working here by some of our measuring standards,” says Sheriff Donelan. “For example, fewer discipline."The sheriff says experts need to study how patients do long-term and once they’re out of jail. But in his county, results look promising. His jail is one of about 30 prisons and jails nationwide that offers programs with the drugs."Think about the cost of an overdose, the cost of police, the EMS, the human cost, the cost of the emergency room,” says Sheriff Donelan. “You know, financially the community has a vested interest in us trying to deal with this issue."In two years, Franklin County has treated more than 200 inmates at a cost of about ,500 per inmate per year. Public and private insurance pays for the drug after patients are released from jail."They will not overdose, they will not die,” says They will be able to hold the job and take care of their family responsibilities."Former inmate George Ballentine can attest to the strain addicts put on the system."I've overdosed three times and been hospitalized and had to be NARCAN’ed 15 other times in a 2-year period," Ballentine recalls.Ballentine was prescribed Buprenorphine and Naloxon while in the Franklin County Jail, and he says he’s certain he'd be dead without the drugs. He's been free for four months and not using heroin.For recovering addicts, many of them say the once-a-day drugs amounts to the best chance they have at finding a path back to the life they loved, with the people they love."I'm an amazing father when I'm sober,” Ballentine says. “All that attention that goes to drugs goes to my kids, goes to myself and my family, and I just want to be back to the that person. And I believe it all starts now."The drug is not a simple fix. With the drugs comes counseling. The cost is covered by insurance, including Medicaid or state funded public health programs.  3269

SIOUX FALLS, S.D. (AP) — South Dakota, which has seen an uptick in coronavirus infections in recent weeks, is bracing to host hundreds of thousands of bikers for the 80th edition of the Sturgis Motorcycle Rally.More than 250,000 people are expected to attend the Aug. 7 to Aug. 16 rally in western South Dakota, which could make it the biggest event anywhere since the coronavirus pandemic started.The event will offer businesses that depend on the rally a chance to make up losses after the downturn in tourism spending.City Manager Daniel Ainslie told ABC News that sales tax revenue from the rally brought the community million last year and the event generated about 5 million across South Dakota.But many of Sturgis' roughly 7,000 residents are leery about the brimming bars and bacchanalia coming their way and say it shouldn't go on during a pandemic.The age of the average rally participant is also concerning to some, with most motorcyclists part of an older demographic and more at risk of severe illness from the coronavirus.ABC obtained a statement from the Centers from Disease Control and Prevention that said large gatherings make it difficult to maintain social distancing guidelines, which may put attendees at risk of exposure to the virus.“Any identification of cases following a large gathering would not likely be confirmed until 2-3 weeks after the event," the statement says. 1413

So last year 37,000 Americans died from the common Flu. It averages between 27,000 and 70,000 per year. Nothing is shut down, life & the economy go on. At this moment there are 546 confirmed cases of CoronaVirus, with 22 deaths. Think about that!— Donald J. Trump (@realDonaldTrump) March 9, 2020 308

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

Sending a holiday gift to a member of the military? You'll need to get it in the mail soon.The U.S. Postal Service's website offers dates for each kind of package and service receiving the mail — and it appears Dec. 16 is likely the latest date people shipping to service members will want to get something mailed if it's for Christmas. The USPS offers a Military Care Package Kit with guidelines. "To send packages to loved ones serving in the military and diplomatic posts abroad, the Postal Service offers a discounted price of .35 on its largest Priority Mail Flat Rate Box," the USPS website says. "The price includes a .50 per box discount for mail sent to Air/Army Post Office/Fleet Post Office/Diplomatic Post Office destinations worldwide." 777