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America and the World News December-28-2018

After being a pariah, Syrian President Bashar Assad begins to regain acceptance in the Middle East. Meanwhile, Iraqi leaders call for U.S. troops to leave.



Saudi Arabia’s King Salman shook up top government posts after international fallout from the killing of Saudi writer Jamal Khashoggi. The changes appear to further consolidate the crown prince’s grip on power. 

7 million people nationwide may have had their driver's licenses suspended

A Washington Post analysis earlier this year found that more than 7 million people nationwide may have had their driver's licenses suspended for failure to pay court or administrative debt, a practice that advocates say unfairly punishes the poor. A spokeswoman for the Virginia Department of Motor Vehicles said 647,517 drivers had their licenses suspended as of late 2016 for failure to pay such costs.

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Look For Clinical-Strength Versions Of These Ingredients:

Keratin 

Keratin is an important protein that makes up your hair and nails. It also gives your hair its structure and promotes strength. However, make sure your supplement has a clinically studied version of keratin, such as Cynatine® HNS Keratin. This ensures that the keratin is bioavailableand your body will be able to easily absorb its nutrients.

Saw Palmetto

Saw palmetto is a potent berry extract that plays a key role in naturally blocking certain hormones from causing hair loss. However, many of the generic versions of saw palmetto haven't been properly harvested and lack the vital compounds that block DHT. That's why it’s important to look for a highly bioavailable and clinically researched saw palmetto, such as US Plus® Saw Palmetto.

Tocotrienols

Tocotrienols, a highly potent form of vitamin E, has been shown to promote hair growth from within and help strengthen follicles. We suggest to look for a supplement that lists a clinically studied andpatented version of tocotrienols, such as EvnolMax, at the top of their ingredients. 

Unwanted Hair Vitamin Ingredients:

• Magnesium Stearate

  This "flow agent" may seem harmless, but in reality it is an unwanted and generally unhealthy additive, depending on the source. Most sources for magnesium stearate are genetically modified, and treated with high amounts of pesticides, due to its origins as a cottonseed oil base.

• Titanium Dioxide

  Widely relied upon in vitamin manufacturing as a coloring agent and binding mineral, titanium dioxide is well-known to create health compromises in the immune system. Low-quality hair vitamin blends typically include this filler.

• Gelatin Capsules

  Oftentimes, tablets and capsules don't fully release before they pass through the body—which means the vast majority of healthful effects are wasted. Gelatin is harvested from animal byproducts, so besides excluding all vegetarians from use, it is just not as healthy as vegetable capsules.

With tears, megachurch Pastor John Gray defends $200K Lamborghini anniversary gift to wife

GREENVILLE, S.C. — The new pastor of a South Carolina megachurch gave his wife a $200,000 Lamborghini SUV for their eighth anniversary five days ago, and he's been getting heat on social media for it ever since.

In an Instagram video taken at the celebration Saturday, John Gray, pastor of Relentless Church here, led his wife to a bow-wrapped car and handed her the keys while saying "Lamborghini Urus." He later acknowledged on social media that he had bought the luxury vehicle for her and responded to criticism of the purchase.

The video of the presentation, which he had not posted, was taken down.

"God helped me to make my wife's dream come true," he wrote in an Instagram post Tuesday night. "Why not? She's made mine come true!"

By Thursday, he was on Facebook Live, tearing up at times as he defended his decision and said the sport utility vehicle was bought with "not a nickel, not a penny" of his salary from the church or other church money.

"My wife has pushed for my dreams and my vision, and she has toiled with a man who is still trying to find himself," Gray said. "That carries a weight. I wanted to honor her for how she’s covered me."

Gray, 45, took over leadership in May of Relentless Church, which had five campuses and an active membership of 22,000 when church founder Ron Carpenter handed him the reins of what had been called Redemption Church for 27 years. Carpenter moved to San Jose, California, to become pastor of Jubilee Christian Center, which he renamed Redemption Bay Area Church.

Gray, who is a Cincinnati native, also remains an associate pastor at Joel Osteen’s Lakewood Church in Houston while taking the lead at Relentless. Gray has control of the assets of the Greenville church, its vision, and the future of its ministry.

As the pastor of a nondenominational, evangelical megachurch, Gray is in a relatively small club.

As of 2015, the United States had about 1,650 Protestant churches whose weekly attendance averages 2,000 or more, according to the Hartford (Conn.) Institute for Religion Research. As of 2012, only 40 of about 300,000 churches across the USA had more than 10,000 worshipers each Sunday, the institute's analysis of Duke University's National Congregations Study showed.

Greenville's median household income from 2013 to 2017 was a little less than $54,000, about $4,000 less than the U.S. as a whole, according to the Census Bureau. With median income, the midpoint, half of all households in this city of about 500,000 residents make more money and half make less.

© Provided by USA TODAY, a division of Gannett Satellite Information Network, Inc. Gray said he has saved his money for years and drew on a variety of sources financially including his second book deal and the fourth season of The Book of John Gray, his Oprah Winfrey Network reality-TV show, to pay for the gift. On he and his wife's honeymoon eight years ago, they were so broke that he said they had to share a shrimp cocktail.

His wife, Aventer Gray, defended her husband Sunday in her own Instagram post, saying he gives away cars and furniture as well as coats off his back in addition to tithing to the church. The pastor recently said that people in need, especially widows and veterans, should take money from the church's donation baskets.

"I don't see anyone screaming about how basketball players drive what they do while you paying $$$ to see them play in arenas and on fields," she wrote on Instagram. "We don't live for people! We live for God!"

In a December 2017 interview with The Greenville News when he was hired, John Gray defended pastors who drive fancy cars. He said he had few indulgences and one of those was to own a fine car.

"If the individuals that are serving are honorable and they are committed to serving, if they have saved their money and want to do something nice for their spouse — or they want to live in a (nice) home — you’ve got one life," he said a year ago.

In February, the couple went to the NBA All-Star Game in Los Angeles, and at their hotel was a presentation for the luxury vehicle, John Gray said.

"I saw my wife's eyes light up," he said. "She said, 'This would be a dream,' and that's all she had to say."

The pastor put down a deposit and hasn't paid off the SUV but questioned the criticism he has received. If he had bought her a mid-sized, mid-priced sedan, no one would have cared, John Gray said.

Closure of ITT Technical Institutes forgiveness School Loan Discharge

Important Information Regarding ITT Educational Services, Inc.

On this page you will find information related to the recent oversight and compliance actions imposed against ITT Educational Services and the subsequent closure of ITT Technical Institutes. Featured below is information on how former ITT students can continue their education, apply for closed school loan discharges, retrieve student records, and more.

Closure of ITT Technical Institutes
        Closed School Loan Discharge
        Credit Transfers
Where to Find More Information
History of Oversight and Compliance Actions Against ITT Educational Services, Inc.
        Notice of Intent to Increase ITT Educational Services, Inc. Surety Held by ED
        Notice of Additional Requirements and Conditions for ITT’s Continued Participation in Federal Student Aid Programs
 

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Closure of ITT Technical Institutes

On Sept. 6, 2016, officials representing ITT Educational Services Inc., the parent company of ITT Technical Institute and Daniel Webster College, notified the Department of Education (ED) and the postsecondary education oversight bodies in the 38 states where they have operating locations that they intended to cease online and classroom-based instruction and operations at the 136 ITT Technical Institute locations across the country. On Sept. 16, 2016, ITT filed a Voluntary Petition for Chapter 7 Bankruptcy in the United States Bankruptcy Court for the Southern District of Indiana and subsequently ceased all company operations. As a result, all ITT Technical Institutes have lost their eligibility to receive federal student aid funds from ED.

If you were attending ITT when it announced its closure on Sept. 6, 2016, or if you withdrew from an ITT Technical Institute location on or after May 6, 2016, you have two primary options:

1. Apply for a closed school loan discharge.
   or
2.   Transfer earned credits to another institution to continue your education in a comparable program.
    

Closed School Loan Discharge

If you attended an ITT school that closed while you were attending or soon after you withdrew, and you did not complete your program of study, you may be eligible for a closed school discharge. A closed school discharge is a 100 percent discharge of the federal Direct Loans, Federal Family Education Loan (FFEL) Program loans, or Federal Perkins Loans you took out to attend the closed school and a reimbursement of amounts you have already paid to the government.

To apply for loan forgiveness through a closed school discharge, you can either

• complete and return the Closed School Loan Discharge Application sent to you by your servicer or complete this Closed School Loan Discharge Application and return it to your loan servicer, or
• contact your loan servicer about the application process for getting your loan discharged.

Note: Your Closed School Loan Discharge Application must be sent to your loan servicer. To find out who your loan servicer is, log in to My Federal Student Aid or call 1-800-4-FED-AID (1-800-433-3243; TTY for the hard of hearing 1-800-730-8913).

If you haven’t already, you’ll need to create an FSA ID—a username and password—to log in.

Read our overview of the closed school loan discharge process for more information about the process and eligibility.

Students impacted by these closures may also be eligible for State Tuition Recovery Fund refunds. For information on availability and eligibility, see column J of this spreadsheet and see our frequently asked questions page.

We encourage you to avoid paying companies for student loan consolidation or forgiveness services that your federal loan servicer provides on behalf of ED for free. Read our recent post on your rights and options as a borrower.

Credit Transfers

Instead of applying for a closed school loan discharge, you may wish to keep the credits you’ve earned from ITT and transfer those credits to another school with a comparable program. If you do transfer into a comparable program offered by another school, that school will evaluate your ITT course work and will decide whether to give you credit for the work already completed, as well as what courses you need to take to complete your program of study.

ED is working with ITT officials, as well as representatives from the state licensing and postsecondary education oversight bodies, to process student records from the 136 impacted schools as soon as possible so that transfer schools can start assessing students’ remaining eligibility for federal student aid funds.

ITT will be held responsible for any return of federal student aid funds which were due to students and had been received, but not earned, prior to closure. ED will work with ITT officials to make sure unearned student Pell Grant and loan funds are restored for future eligibility.

For information on how to access and obtain your student records and transcripts and to find out more about licensed institutions with similar programs in your area, review the closure information that ITT posted on its website or contact your state postsecondary education agency.

You may also want to use ED’s College Scorecard to explore your transfer options and find the program that’s right for you.

Note: Neither ED nor your requisite state agency have confirmed that referred institutions will accept ITT credits as part of any transfer. Students interested in any of the programs listed should contact the institution to determine whether they can transfer their credits.

Again, if you transfer the credits you’ve earned at ITT toward a comparable program at another school and you complete or are in the process of completing that program, you will not be eligible to receive a closed school loan discharge.

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Where to Find More Information

We want you to get the help you need to understand your options.

A pre-recorded version of one of the 18 webinars produced during September 2016 to support ITT students can be accessed via this link: https://fsatraining.acms.com/p9gnag68mo1/. A transcript of this webinar is available for the hearing impaired.

ED is coordinating with state and institutional officials that are hosting transfer fairs and student meetings in the vicinity of the closed ITT campuses. You can find the locations, times and other information about the fairs and meetings in columns L through O of this spreadsheet. The spreadsheet is continuously updated and reposted to this site as the dates and locations of new sessions are finalized.

We have also crafted state-specific fact sheets and posted links to a number of state web sites which contain information and resources for displaced ITT students within that state. To download the fact sheet and view the web information from your state, see columns O and P of this spreadsheet. 

View our resource page for education stakeholders currently assisting ITT students with their postsecondary options.

If you have further questions, visit our Q&A page to see answers to questions other ITT students have asked.

On Sept. 19, 2016, ED announced that a coalition of organizations are spearheading efforts to match ITT students with experienced financial aid and academic advisors across the country to help navigate the options available. Contact them to talk to a volunteer advisor.

Chegg has compiled a list of institutions that may accept ITT students and their transfer credits. The listings are searchable by state or by proximity to specific ITT campuses. For more information, visit their ITT resource page.

Note: The information provided above serves as an optional resource for students. ED does not endorse nor has verified the data posted on the Chegg resource site.

You may also contact the Federal Student Aid Information Center at 1-800-4-FED-AID.

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History of Oversight and Compliance Actions Against ITT Educational Services, Inc.

Notice of Intent to Increase ITT Educational Services, Inc. Surety Held by ED

On April 22, 2016, ED received notification that ITT Technical Institute—a subsidiary of ITT Educational Services—located in Indianapolis, IN, and Spokane Valley, WA, received a Show-Cause Directive Letter on April 20, 2016, from the Accrediting Council for Independent Colleges and Schools (ACICS). ACICS’ letter stated that a number of actions called into question ITT’s administrative capacity, organizational integrity, financial viability, and ability to serve students in a manner that complies with ACICS standards.

Due to the seriousness of the issuance of a Show Cause letter and the issues noted by ACICS, ED issued a letter dated June 6, 2016, to ITT Educational Services, Inc., requiring ITT to increase its surety on file with ED from 10% to 20% of the total Title IV funding received in its most recent fiscal year ended December 31, 2015. (A surety is used to cover certain liabilities if a school closes at a time other than at the end of an academic period. Funds from the surety could be used to make refunds, provide teach-out facilities, and meet institutional obligations to ED.) As a result, the current surety amount held by ED must increase by $43,938,303 from $79,707,879 to $123,646,182.

Notice of Additional Requirements and Conditions for ITT’s Continued Participation in Federal Student Aid Programs

As referenced above, on Aug. 4, 2016, ACICS held a hearing regarding the show cause imposed on ITT Technical Institutes, and on Aug. 17, 2016, ACICS informed ED that ACICS continued both institutions on Show Cause. The Aug. 17, 2016, Continue Show-Cause Directive Letter issued by ACICS continues to question ITT’s compliance with a number of ACICS accreditation standards, finding that ITT has not demonstrated full compliance. Because ACICS has determined, after ITT presented information in response to the Show-Cause Directive and participated in a hearing, that ITT is “not in compliance” and is “unlikely to become in compliance” with ACICS Accreditation Criteria, ITT has therefore failed to “meet the requirements established” by its accreditor, as is required by its Provisional Program Participation Agreement with ED.

Due to the ongoing concerns noted in ACICS’ Continue Show-Cause Directive Letter and the continued risk to students and taxpayers, ED issued a letter dated Aug. 25, 2016, to ITT Educational Services, Inc. imposing new requirements and conditions for ITT’s continued participation in federal student aid programs.

For additional information on how these actions may impact students enrolled at ITT and the options available, read our blog post on the action imposed against ITT.