Tag: Seize

Nex Benedict: Trans activists, WH seize on 'non-binary' teen's death as full report awaited

The death of a nonbinary student one day after a fight inside an Oklahoma high school bathroom has led to national outcry and White House condemnation.

Owasso police say the investigation into 16-year-old Nex Benedict’s death on February 8 is ongoing, with the state medical examiner’s office ruling it a suicide. Family members have said that their child was a victim of bullying at the school because Nex identified as nonbinary, neither male nor female. A complete report on Benedict’s death is scheduled to be released on March 27. 

White House Press Secretary Karine Jean-Pierre addressed the preliminary autopsy report from the podium at Friday’s press briefing, calling Benedict’s death “devastating.” 

“As the president said yesterday, every young person deserves to have the fundamental right and freedom to be who they are and feel safe and supported at school and in their communities,” Jean-Pierre said. “Bullying is completely unacceptable, and it is on all of us to take reports of bullying seriously.” 

RESEARCHERS ARGUE ‘RAPID ONSET GENDER DYSPHORIA’ DOES EXIST, DESPITE NARRATIVE AGAINST IT

This story discusses suicide. If you or someone you know is having thoughts of suicide, please contact the Suicide & Crisis Lifeline at 988 or 1-800-273-TALK (8255).

The Benedict family released a statement through an attorney emphasizing that though Nex’s death was ruled a suicide, there are “other pertinent portions of the report” that should not be “overshadowed by the ‘classification’ of Nex’s death.” 

“Rather than allow incomplete accounts to take hold and spread any further, the Benedicts feel compelled to provide a summary of those findings which have not yet been released by the Medical Examiner’s office, particularly those that contradict allegations of the assault on Nex being insignificant,” the family attorney said. 

Details released by the family include that the teen suffered non-lethal head and neck trauma, including contusions, lacerations and abrasions. An Abraded contusion on Nex’s chest was consistent with having occurred during CPR, according to the portion of the full medical examiner’s report released by the family. 

“The Benedicts continue to call on our schools, administrators, lawmakers, and communities to come together to prevent any other family from having to suffer through the heartache now borne by Nex’s loved ones,” the attorney said. “Reforms creating school environments that are built upon the pillars of respect, inclusion and grace, and aim to eliminate bullying and hate, are the types of change that all involved should be able to rally behind.” 

REPUBLICANS DEMAND ANSWERS FROM NIH DIRECTOR AFTER 2 INVOLVED IN TRANSGENDER YOUTH STUDY ‘DIED BY SUICIDE’

LGBTQ+ advocates have blamed Nex’s death on gender identity-based bullying and harassment, as well as “rhetoric and policies” advanced by Republicans in Oklahoma — such as bills that prohibit children from receiving cross-sex hormone therapy or sex-reassignment surgery. They have called for the resignation of Ryan Walters, Oklahoma’s superintendent of public instruction, who has said there are only two genders — male and female — and that Oklahoma schools would not allow students to use preferred names or pronouns that differ from their birth sex. 

“We want to be clear, whether Nex died as a direct result of injuries sustained in the brutal hate-motivated attack at school or not, Nex’s death is a result of being the target of physical and emotional harm because of who Nex was,” Freedom Oklahoma, the state’s largest LGBTQ+ advocacy group, said in a February statement reacting to Benedict’s death.

“This harm is absolutely related to the rhetoric and policies that are commonplace at the Oklahoma Legislature, the State Department of Education, and the Governor’s office, with regard to dehumanizing 2STGNC+ people,” the group said.

Walters has said Benedict’s tragic death has been exploited by the left for political purposes. 

“I think it’s terrible that we’ve had some radical leftists who decided to run with a political agenda and try to weave a narrative that hasn’t been true,” he told the New York Times in an interview in February. “You’ve taken a tragedy, and you’ve had some folks try to exploit it for political gain.”

“We’ve been told [Benedict’s] death wasn’t directly related to the fight at school,” he added. 

STUDENT DETAILS ‘TERRIBLE’ BULLYING AT SCHOOL WHERE CLASSMATE COMMITTED SUICIDE: ‘I WAS TERRIFIED’

The Oklahoma Medical Examiner’s report said the teen died from a combined overdose of Prozac and Benadryl. The fight in the school bathroom happened on the previous day. 

In video footage from the hospital on the day of the altercation, February 7, Nex tells a police officer that the teen and a friend group were the subject of ridicule over the way they dressed. Benedict, who preferred they/them pronouns, claims that in the bathroom the students said “something like: Why do they laugh like that?” referring to Nex and friends.

“And so I went up there and I poured water on them, and then all three of them came at me,” the teen tells the officer from a hospital bed.

“They came at me. They grabbed on my hair. I grabbed onto them. I threw one of them into a paper towel dispenser, and then they got my legs out from under me and got me on the ground,” the teen says in the video, according to the Associated Press. 

The students allegedly beat the teen to the point of blacking out. 

The next day, paramedics responded to a 911 call at the Benedict family’s house and performed CPR on an unresponsive Nex before rushing her to the hospital, where the teen later died.

On Thursday, the day after Nex’s death was ruled a suicide, the White House released a statement saying that President Biden and First Lady Jill Biden were “heartbroken” by the loss. 

“Every young person deserves to have the fundamental right and freedom to be who they are, and feel safe and supported at school and in their communities. Nex Benedict, a kid who just wanted to be accepted, should still be here with us today,” Biden said. 

The president called on the nation to stand in solidarity with nonbinary and transgender people and “recommit to our work to end discrimination and address the suicide crisis impacting too many nonbinary and transgender children.”

“Bullying is hurtful and cruel, and no one should face the bullying that Nex did. Parents and schools must take reports of bullying seriously,” Biden said.

The Associated Press contributed to this report.

Russian lawmakers weigh bill to seize property from those who criticize Putin’s invasion of Ukraine

Russian lawmakers are weighing a bill that would grant the state power to seize property from people who criticize Vladimir Putin’s invasion of Ukraine.

Criticizing the invasion, which began nearly two years ago, is effectively a crime already. But the new bill aims to make penalties even harsher. 

The draft bill, considered by Russia’s parliament on Monday, would allow for the state to seize the property of Russians who have left the country and have criticized the war but who continue to rely on revenue from renting out their houses or apartments in Russia.

POLAND’S PRIME MINISTER ANNOUNCES NEW MILITARY AID PACKAGE FOR UKRAINE AGAINST RUSSIA’S INVASION

The speaker of the State Duma lower house of parliament, Vyacheslav Volodin, a close Putin ally, has dubbed the new bill “the scoundrel law.” 

“Everyone who tries to destroy Russia, betrays it, must be punished accordingly and repay the damage to the country in the form of their property,” he said at the weekend while announcing the submission of the bill.

The move is being compared to the hunts of the 1930s under Soviet dictator Josef Stalin with their “enemy of the state” rhetoric, and could affect thousands of Russians who have spoken out against Moscow’s invasion of Ukraine.

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Seize the Day with Our OnDeck Review for Terrific Recession Financing

Avoid Business Funding Pitfalls and Let Our OnDeck Review Guide You

Itching for funding? Our OnDeck review helps you make your best possible business decision.

OnDeck is one of several online lending companies. They offer short term loans and lines of credit. We look at the specifics and drill down into the details.

Recession Age Financing

The number of US banks as well as thrifts has been decreasing progressively for a quarter of a century. This is coming from consolidation in the marketplace in addition to deregulation in the 1990s, lowering obstacles to interstate banking. See: fundera.com/blog/happened-americas-small-businesses-financial-crisis-six-years-start-crisis-look-back-10-charts

Assets focused in ever‐larger financial institutions is problematic for small business proprietors. Big banks are much less likely to make small loans. Economic declines indicate financial institutions come to be extra careful with lending. Fortunately, business credit does not count on financial institutions.

OnDeck Review: Background

OnDeck is located online here: www.ondeck.com. Their American physical address is:

1400 Broadway
New York, NY 10018.

You can call them at: (888) 269-4246. You can email them at: customerservice@ondeck.com. There is no contact page but you can chat with customer service directly on their site. They have been in business since 2007.

OnDeck Online also has a Canadian division, located online here: en-ca.ondeck.com. There is, in addition, an Australian division, located online here: www.ondeck.com.au. There is even a French version of the Canadian site.

OnDeck also receives some small business loan referrals from Prosper. See: www.prosper.com/borrower/#/prospect/pre-registration.

They will not work with certain industries. See: https://www.ondeck.com/restricted-industries.

OnDeck Review: Term Loans

Amounts available range from $5,000 – $500,000. You can get terms of 3 to 36 months.

Your company must have annual revenue of $100,000 or more. Your own personal FICO score has to be 600 or better. And your company must be in business for 1 year or more.

OnDeck Review: Fees

Interest rates start at 11.89% annual percentage rate (APR). The total cost of a short term loan will vary based on a number of factors, including personal and business credit scores, time in business and annual revenue and cash flow.

OnDeck Review: Lines of Credit

Get a line of credit from OnDeck for $6,000 to $100,000. The term is 12 months.

Withdraw up to $10,000 with Instant Funding.

Your company must have annual revenue of $100,000 or more. Your own personal FICO score has to be 600 or better. And your company must be in business for 1 year or more.

OnDeck Review: Fees

Interest rates start at 10.99% annual percentage rate (APR). The total cost of a line of credit will vary based on a number of factors, including personal and business credit scores, time in business and annual revenue and cash flow.

OnDeck Review: Advantages

Advantages include the rather low FICO score requirement for term loans. Plus there is some flexibility when it comes to term lengths. In addition, few United States-based online lenders will loan outside of the country. But OnDeck will loan to Canadian and Australian businesses.

OnDeck Review: Disadvantages

Disadvantages are the maximum APR for both term loans and lines of credit are somewhat high. Therefore, if your company cannot pay back a loan or line of credit, it could potentially sink you financially. In addition, OnDeck requires a personal guarantee.

OnDeck Review: Upshot

Companies helmed by entrepreneurs with bad personal credit would do well to take a second look at the OnDeck online lending company. However, with qualification comes a steep APR price tag and the requirement of a personal guarantee. This is somewhat understandable.

Borrowers in Canada and Australia can also work with OnDeck, although Canadian borrowers also have NUGROWTH/IBIS (www.nugrowthcapital.com) as an option, although NUGROWTH/IBIS has a higher minimum personal FICO score requirement.

Entrepreneurs would probably do better building business credit and/or trying for unsecured business financing or microloans if their financial requirements are small.

OnDeck Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Building Business Credit Instead

Company credit is credit in a small business’s name. It doesn’t connect to a business owner’s consumer credit, not even when the owner is a sole proprietor and the solitary employee of the company. Accordingly, an entrepreneur’s business and personal credit scores can be very different.

The Benefits

Business credit helps to safeguard an entrepreneur’s personal assets, in case of court action or business bankruptcy. Also, with two distinct credit scores, an entrepreneur can get two separate cards from the same vendor.

This effectively doubles purchasing power.

Another benefit is that even startups can do this. Heading to a bank for a business loan can be a recipe for disappointment. But building business credit, when done right, is a plan for success.

Individual credit scores are dependent on payments but also various other elements like credit use percentages. But for company credit, the scores really only hinge on whether a corporation pays its invoices in a timely manner.

The Process

Growing company credit is a process, and it does not occur without effort. A business will need to actively work to develop business credit. Having said that, it can be done readily and quickly, and it is much more efficient than establishing individual credit scores.

Merchants are a big aspect of this process.

Carrying out the steps out of sequence will lead to repetitive denials. No one can start at the top with corporate credit. For example, you can’t start with store or cash credit from your bank. If you do you’ll get a rejection 100% of the time.

Business Credibility

A company has to be genuine to lenders and vendors. Consequently, a business will need a professional-looking website and email address, with website hosting bought from a company such as GoDaddy.

Also business telephone and fax numbers must have a listing on ListYourself.net.

At the same time the company telephone number should be toll-free (800 exchange or the like).

A business will also need a bank account devoted purely to it, and it has to have every one of the licenses necessary for operation. These licenses all must be in the identical, accurate name of the company, with the same company address and phone numbers.

So keep in mind that this means not just state licenses, but potentially also city licenses.

Working with the Internal Revenue Service

Visit the Internal Revenue Service website and obtain an EIN for the business. They’re totally free. Choose a business entity such as corporation, LLC, etc.

A business can begin as a sole proprietor. But they will more than likely want to change to a form of corporation or partnership to reduce risk and take full advantage of tax benefits.

A business entity will matter when it comes to tax obligations and liability in the event of a lawsuit. A sole proprietorship means the entrepreneur is it when it comes to liability and taxes. No one else is responsible.

Sole Proprietors Take Note!

If you run a business as a sole proprietor, then at the very least be sure to file for a DBA (‘doing business as’) status.

If you do not, then your personal name is the same as the company name. As a result, you can end up being personally responsible for all corporate financial obligations.

Also, per the Internal Revenue Service, with this arrangement there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 probability for corporations! Prevent confusion and drastically lower the odds of an Internal Revenue Service audit simultaneously.

OnDeck Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Setting off the Business Credit Reporting Process

Begin at the D&B web site and obtain a totally free DUNS number. A DUNS number is how D&B gets a small business in their system, to produce a PAYDEX score. If there is no DUNS number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s web sites for the corporation. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for accuracy and completeness. If there are no records with them, go to the next step in the process.

In this way, Experian and Equifax will have activity to report on.

Trade Lines

First you should build trade lines that report. This is also called vendor accounts. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can start getting revolving store and cash credit.

These kinds of accounts often tend to be for the things bought all the time, like coffee, shipping boxes, outdoor work wear, ink and toner, and office furniture.

But first of all, what is trade credit? These trade lines are credit issuers who will give you preliminary credit when you have none now. Terms are ordinarily Net 30, rather than revolving.

So if you get an approval for $1,000 in vendor credit and use all of it, you must pay that money back in a set term, like within 30 days on a Net 30 account.

Details

Net 30 accounts have to be paid in full within 30 days. 60 accounts have to be paid in full within 60 days. In comparison with revolving accounts, you have a set time when you must pay back what you borrowed or the credit you used.

To begin your business credit profile the right way, you ought to get approval for vendor accounts that report to the business credit reporting agencies. As soon as that’s done, you can then make use of the credit.

Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit is Terrific!

Not every vendor can help like true starter credit can. These are vendors that will grant an approval with hardly any effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

But you may have to apply more than one time to these vendors, and you may have to purchase some things you do not really need, to confirm you are reliable and will pay on time. Consider giving nonessential items to charity.

Revolving Store Credit

Once there are 5 to 8 or more vendor trade accounts reporting to at least one of the CRAs, progress to revolving store credit. These are companies such as Office Depot and Staples. These companies are more likely to have supplies you need.

Use the corporation’s EIN on these credit applications.

Fleet Credit

Are there 8 to 10 accounts reporting? Then move onto fleet credit. These are businesses like BP and Conoco. Use this credit to buy, repair, and maintain vehicles. Make sure to apply using the corporation’s EIN.

Cash Credit

Have you been responsibly handling the credit you’ve up to this point? Then progress to cash credit. These are businesses such as Visa and MasterCard. Keep your SSN off these applications; use your EIN instead.

These are businesses like Walmart and Dell, and also Home Depot, BP, and Racetrac. These are normally MasterCard credit cards. If you have 14 trade accounts reporting, then these are feasible.

Monitor Your Business Credit

Know what is happening with your credit. Make certain it is being reported and address any inaccuracies ASAP. Get in the habit of checking credit reports. Dig into the particulars, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less. Update the data if there are mistakes or the information is incomplete.

OnDeck Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Contesting Inaccuracies

So, what’s all this monitoring for? It’s to dispute any errors in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs usually want you to dispute in a particular way.

Disputing credit report errors commonly means you send a paper letter with copies of any proofs of payment with it. These are documents like receipts and cancelled checks. Never mail the original copies. Always mail copies and retain the original copies.

Disputing credit report inaccuracies also means you specifically detail any charges you dispute. Make your dispute letter as understandable as possible. Be specific about the issues with your report. Use certified mail so that you will have proof that you sent in your dispute.

A Word about Building Business Credit

Always use credit responsibly! Don’t borrow beyond what you can pay off. Keep track of balances and deadlines for repayments. Paying on schedule and fully will do more to raise business credit scores than virtually anything else.

Growing corporate credit pays. Excellent business credit scores help a company get loans. Your lending institution knows the small business can pay its debts. They recognize the small business is bona fide.

The small business’s EIN connects to high scores, and credit issuers won’t feel the need to call for a personal guarantee.

Business credit is an asset which can help your corporation for years to come. Learn more here and get started toward growing business credit.

OnDeck Review: Some Final Thoughts

And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math.

Go over the details with care, and decide if this option will be good for you and your company. In addition, consider alternative financing options that go beyond lending. And these include building business credit.

This is so you can best decide how to get the money you need to help your business grow.

Today, we want to hear from our audience! Share your voice with us about your experiences with online lenders.

 

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