A payday loan is a costly form of credit operating on the fringes of the economy. That's why the target of a new crackdown by federal regulators may surprise you: Instead of a forlorn-looking storefront with a garish neon sign, it's your familiar neighborhood bank.
A small but growing number of banks, including some major players, have been offering the equivalent of payday loans, calling them "deposit advances."
That is, at least, until bank regulators stepped in Nov. 21 and put new restrictions on the loans.
Even though Christmas and New Year are still a few weeks away, we're already well into holiday party season. And punch bowls are often the centerpieces of festive gatherings. For tips on how to make sure the punch bowl does its job as star libation attraction, writer Julia Reed. She's a columnist for Garden & Gun, a Southern lifestyle magazine.
China has been building up its military strength for some time now, and pushing ever farther from its coastline and into international waters. The real concern now is for miscalculation — particularly with Japan — that ends up in gunfire.
Just six months ago, the Pentagon released its annual report on China's military. Its defense budget was growing. The country was building more stealthy aircraft and submarines. It even bought an aircraft carrier from the Ukraine.
Pentagon official David Helvey highlighted particular areas of concern.
A teen's relationship — or lack of good relationship — with parents, pals or teachers may have a lot to do with why most kids aren't getting the nine to 10 hours of sleep that doctors recommend. The hormonal disruptions of puberty likely also play a role.
Originally published on Thu December 5, 2013 9:44 am
A new report says the Justice Department regularly coerces defendants in federal drug cases to plead guilty by threatening them with steep prison sentences or stacking charges to increase their time behind bars.
And for the first time, the study by Human Rights Watch finds that defendants who take their fate to a judge or jury face prison sentences on average 11 years longer than those who plead guilty.
Originally published on Wed December 4, 2013 6:22 pm
Telemundo recently announced that its telenovelaEl Señor de los Cielos (Lord of the Skies) will be back for a second season; production began this week in Mexico City. This resurrection sets it apart from almost every other telenovela because, unlike American soap operas, telenovelas have a clear beginning and a definitive ending, airing for a set number of episodes.
The oil boom in the United States is creating another boom — for the railroad industry.
So far this year, in North Dakota alone, 140 million barrels of oil have left on trains. Shipments of crude oil by rail are up almost 50 percent over last year — and this upward trend is expected to continue.
A visit to the world-famous Tehachapi Loop, part of a winding mountain pass in Southern California, demonstrates the scale and reach of the oil boom in the middle of the country. As a train full of oil tanker cars rumbles past, it's hard not to think of it as a pipeline on wheels.
As it has done for the past 16 years, the Embassy of Norway decorated a Christmas tree at Union Station in Washington, D.C. — a gift to the American people to say thanks for helping Norway during World War II.
This year is no different. The tree was lit in a ceremony Tuesday evening, but what stands out is the nature of the ornaments that adorn the artificial tree: In addition to small American and Norwegian flags, the tree is decked out with 700 shining decorations with the iconic image from Norwegian Edvard Munch's painting The Scream.
Originally published on Thu December 5, 2013 9:29 am
Drugs that help women become pregnant have replaced in vitro fertilization as the main culprit behind high-risk multiple births, according to a study looking at births of triplets and higher-order multiples.
"IVF, which is usually the one we tend to point fingers at, was not the leading culprit," says Eli Adashi, a professor of obstetrics and gynecology at Brown University who was senior author of the study, published Wednesday in the New England Journal of Medicine.
It's lunchtime at Oakland High School in Oakland, Calif., and that means fence hoppers. Several kids wear mischievous grins as they speedily scale a 12-foot-high metal perimeter.
In theory, anyway, Oakland High is a "closed campus." That's done in the interest of safety and security and to cut down on school-skipping. It means kids can't leave during school hours without parental consent, especially at lunchtime. But it doesn't stop several students from breaking out.
Originally published on Wed December 4, 2013 5:39 pm
Want to understand why House Republicans aren't onboard with an immigration overhaul? Take a close look at the districts they represent.
Hispanics today make up 17 percent of the nation's population and are the fastest-growing ethnic group. But an NPR analysis of U.S. census data shows they live disproportionately in districts represented by Democrats. The average Democratic district is 23 percent Latino; the average Republican district, less than 12 percent.