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CAMDEN, N.J. – Across the river from Philadelphia sits the nearly 200-year-old city of Camden, New Jersey, at one time called “the most dangerous city in America.”“This city has been riddled with drugs,” said resident Mark Hansen.About 74,000 people live there. Seven years ago, amid a budget crisis and a spiking murder rate, the mayor and police chief, as well as local and state lawmakers and then-Governor Chris Christie, among others, joined together and disbanded the city’s police department.“We had 67 murders in 2012, which put the murder rate higher than some third world nations. So, a change had to come,” said Louis Cappelli, Jr., Camden County’s freeholder director, which is a job similar to a county commissioner.It’s a position Cappelli also held when the city police department ceased to exist and was replaced with a brand-new county police department.“We started with two main objectives,” Cappelli said. “Number one was to reduce the number of crime victims and number two is to make the residents of the city feel safe.”So, what happened to the city police officers? With the union dismantled, all of them -- from the chief on down -- had to reapply for their positions with the Camden County Police Department (CCPD).Not everyone got their job back, but Capt. Zsakhiem James did.“Couldn't see myself being a cop anywhere else,” he said. “This is my home.”However, the policing Capt. James knew then underwent a complete change. All the officers went through new training – focusing foremost on community policing and de-escalation, where the use of force becomes a last resort.“We stress interaction with people on a positive note. We reward that,” Capt. James said. “As opposed to just the traditional rewards for drug and gun arrests and solving violent crimes, we also reward officers for being integral parts of the community.”In the years since the changes, according to the CCPD, Camden’s crime rate fell. Since 2014, violent crime is down 36% and murders are down a whopping 72%.Not so fast said Camden County NAACP President Kevin Barfield.“Crime statistics throughout the state, in the United States, have went down over the years,” Barfield said. “So, can we truly contribute that to policing or a police model?”He is also concerned that the county police department lacks diversity in the ranks. Minorities make up about half the force and few are part of the higher ranks, in a city where 95% of the residents are either African American or Hispanic.“The problem is that the police department does not reflect the community that it serves,” Barfield said.That matters a lot, according to Dr. Nyeema Watson, head of civic engagement at Rutgers University’s Camden campus.“We still want to see broad swaths of diversity in all ways - because until there is a deep cultural shift, not only in policing but against systematic oppression of blacks, we're still going to have a fear and mistrust of the police,” Dr. Watson said.County officials say they are working to address that issue but add that the changes in policing in Camden shouldn’t be discounted. As for cities considering revamping their own police departments, each had some advice to offer.“Give the community the opportunity to vote,” said the NAACP’s Kevin Barfield. “When we change things, we need to make sure that those who are most vulnerable, that we still make sure that they have a voice.”For freeholder Louis Cappelli, what happened in Camden may not apply everywhere.“It's not one size fits all,” he said. “What we're doing here works well for us. So, you have to mold it and craft it to the needs and particular circumstances of your city.”Dr. Nyeema Watson cautions that change takes time and hard work.“This isn't going to happen overnight,” she said. “So, this is a long haul that communities will really have to engage in.”All are words born of experience from those who’ve been there. 3904

Chanel White has missed going to karaoke bars, but when it comes to being in quarantine, she’s used to it.“Life hasn’t been too different from what it normally was for me,” Chanel White said.In 2011, White was diagnosed with systemic sclerosis, an auto-immune disease.“Basically my body just sees myself, my tissue, my organs as something foreign and something that should be attacked,” White said.She gets nutrients through a feeding tube and takes a lot of different medications. She’s also considered high risk of contracting COVID-19.“Pneumonia is basically the number one cause of death for people with my condition.”Based on a report by Johns Hopkins Center for Health Security, White should be among those who get the novel coronavirus vaccine as soon as it’s available.“Ethics is the essence of this,” Dr. Eric Toner said.Dr. Toner is a Senior Scholar with Johns Hopkins. Who gets the vaccine first will ultimately be up to the Department of Health and Human Services, but Dr. Toner says the report is meant to offer an ethical framework to help prioritize who gets the vaccine and when.“First of all it’d be health care workers who are taking care of COVID-19 patients. That seems pretty straight forward and non-controversial,” Dr. Toner said.Also in the first tier would be people who are essential to the pandemic response – like those doing the vaccinating, people on the front lines of public health and people working in nursing homes.That first tier would also include the men and women who have helped maintain some normalcy during the pandemic.“Think of front-line transportation workers like bus drivers, think about people working grocery stores, people who work in food production, people who keep the lights on and the water running,” Dr. Toner said.White would be in tier one, but her medical situation is quite complicated.“I right now can’t get vaccines,” White said.She says the treatment she’s receiving heavily reduces her immune response so her body doesn’t attack itself. So depending on the type of vaccine, she would either develop COVID-19, or the vaccine wouldn’t do anything for her.“It’s a weird circumstance because I don’t think the world thinks a lot about people like us. They just think ‘oh the sick people are especially going to need this,’” White said.Dr. Toner says there is an alternative solution.“Vaccinate everyone around them. So vaccinate their families, their caregivers,” Dr. Toner said.“Clearly herd immunity can save an immeasurable number of lives. And so really for someone like me that really is my best shot,” White said.Getting enough people who have an immune response to the vaccine will depend on its effectiveness.“We are ensuring that the vaccine is safe and we’re ensuring that the vaccine is effective. And we will try to get it out as fast as we can, of course, but we won’t cut any corners,” Dr. Toner said.For now, White is choosing to focus on the positive."Hopefully the world will come out better because of this and empathic to their fellow man. But I do hope for a future where I can go to karaoke again,” White said. 3100

BURBANK, Calif. (AP) — Long-running satirical publication MAD magazine will be leaving newsstands this fall. Really.The illustrated humor magazine will still be available in comic shops and through mail to subscribers — but after its fall issue it will just reprint previously published material.The only new material will come in special editions at the end of the year.DC, the division of Warner Brothers that publishes the magazine, said MAD will pull from nostalgic cartoons and parodies published over the magazine's 67-year run.The company also said it would still publish MAD special collections.Illustrators and comedians, including one-time guest editor "Weird Al" Yankovic, mourned the magazine's effective closure online."It's pretty much the reason I turned out weird," he said on Twitter. 809

Can you cover an unexpected 0 expense?Four in ten Americans can't, according to a new report from the Federal Reserve Board. Those who don't have the cash on hand say they'd have to cover it by borrowing or selling something.The bright side? That's an improvement from half of adults being unable to cover such an expense in 2013. The number has been ticking down each year since.Overall, the financial situation of American households has improved during the past five years, according to the Economic Well-Being of U.S. Households report. It shows that in 2017, 74% of adults reported feeling at least "okay" financially, an increase of 10 percentage points from the first survey four years earlier."This year's survey finds that rising levels of employment are translating into improved financial conditions for many but not all Americans," Federal Reserve Board Governor Lael Brainard said in a press release, "with one-third now reporting they are living comfortably and another 40% reporting they are doing okay financially."Still, many are struggling. Notable differences remain across race, ethnicity, education levels and geography. The report shows hardship continues for people working to repay college loans, cover emergency expenses and manage retirement savings.For the first time the report also looked at the opioid epidemic, reporting that one out of five adults personally knows someone with an addiction to painkillers. Exposure does not vary much by education level or by local economic conditions.The study was drawn from the Board's fifth annual Survey of Household Economics and Decisionmaking, which looks at the economic health of Americans. The survey of 12,000 people examined their income, employment, unexpected expenses, banking and credit, housing, education, and retirement planning in November and December 2017.While showing that Americans' financial lives are moving in a positive direction, the report does raise some concerns about their most basic levels of financial stability: emergency funds and retirement."The finding that four-in-ten adults couldn't cover an unexpected 0 expense without selling something or borrowing money is troubling," said Greg McBride, chief financial analyst at Bankrate.com. "Nothing is more fundamental to achieving financial stability than having savings that can be drawn upon when the unexpected occurs."McBride suggests setting up automatic direct deposits from a paycheck to a savings account that can build some much-needed financial cushion.He's also concerned about another finding in the report: fewer than 40% of adults think their retirement savings are on track."The burden is on us as individuals to save for our retirement," he says. "Take control of your financial destiny by contributing to an employer-sponsored retirement plan such as a 401(k) via payroll deduction, or arrange automatic monthly transfers from your bank account into an IRA."More concerning are the 25% of Americans with no retirement savings whatsoever, according to the report.Some of this may be due to the lack of employer-sponsored retirement plans, as well as people piecing together several part-time jobs, which may not offer benefits.The report found that while most workers are satisfied with the wages and benefits from their current job and are optimistic about their future job opportunities, challenges remain, particularly with irregular job schedules. 3451

Chances are, even more of your holiday gifts arrived in the mail this year, which can make returns more complicated.“This is going to cause a major problem when it comes to returns, so shoppers really need to manage their own expectations when it comes to sending things back that might not have worked out for the holidays,” said Sara Skirboll, a shopping and trends expert at RetailMeNot.com.RetailMeNot’s shopping experts say you can expect delays in returns similar to the shipping delays we saw, which means longer wait times for refunds.The good news is many retailers are allowing more time for returns and giving additional options.“Other locations where you might want to return something in person are offering returns curbside, similar to buy online, pick-up curbside places, like Dick’s (Sporting Goods), you can actually return your items in front of the store,” said Skirboll.Amazon extended its holiday return policy. Any orders shipped between October 1 and December 31 can be returned through the end of January.Walmart just added a new option with FedEx where they will pick up items shipped and sold by Walmart.com from your home. You can schedule pickup and print a label from Walmart’s website or the store app. You can also return items bought online inside a Walmart store.Or, you can skip returning all together.“Remember, you can sell something on Facebook Marketplace or even Nextdoor. You can donate that item to charity. Consider eBay or actually consider regifting something on Valentine's Day, kids’ birthdays, teacher holidays,” said Skirboll. “All are great options to put your used item, gently used item or brand-new item that you just don't need into a better home.”If you plan to make a return, make sure you do these two things – check the deadline so you don't miss your refund window, and take a picture of the return label or receipt so you have it in case the money doesn't show back up on your card. 1949

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