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MISSOULA — As a matter of routine last spring, University of Montana graduate student Erin Dozhier would settle into their home office on the north end of Missoula and prepare for a barrage of questions about houseplants and parrots. The queries came from public school kids hundreds of miles away, their worlds temporarily connected to Dozhier’s through a version of Zoom often utilized by therapists for virtual counseling. Usually, Dozhier would start with their most tried-and-true strategy for building rapport with young clients. “Number one, if you want students to talk to you, ask them about their pets or show them your pet,” said Dozhier, whose parrot Alfie often made appearances in such sessions. Dozhier is one of a growing number of students from UM’s social work, school counseling and mental health counseling programs who have delivered such services for K-12 children in Montana’s far-flung rural districts. What began as an experimental effort to address the mental health side of school safety has, over the past five years, evolved into a fixture both for the university’s Safe Schools Center and for the small schools it serves. Dubbed VAST — short for Virtually Assisted School Teams — the program now boasts six grad students and 22 participating districts stretching from the Bitterroot Valley to the North Dakota border. The free counseling services VAST has made available to young Montanans highlight a growing focus among leaders across the state’s education continuum on student mental health. According to Montana’s latest Youth Risk Behavior Survey, 43% of responding high school students reported feeling sad or hopeless for two or more weeks in a row, and more than a quarter had seriously considered suicide — the highest annual rate since 1991. Educators often point to rising rates of youth anxiety and depression as a contributor to the steady decline in statewide academic performance, and for schools large and small, financial and hiring difficulties frequently stand in the way of providing robust mental health resources. Even outside the K-12 system, such support for students in Montana’s more rural communities may be dozens if not hundreds of miles away. For program leader Tammy Tolleson Knee, who serves as school support liaison for UM’s Safe Schools Center, the issues VAST was crafted to address have only become more pressing since the pandemic and speak to social and societal forces at work well beyond a school’s hallways. She told MTFP that as of this week, 53 K-12 students in Montana have been referred to the program for one-on-one counseling, with more than a dozen more referrals expected. “One of the great hardships for families is just what’s happening with the economy,” Tolleson Knee said. “And when families are stressed, kids become stressed.” Some districts, including in the northeast Montana town of Bainville, have been relying on VAST for years to meet the needs of their most vulnerable students. Other districts such as the Broadus Public Schools have only recently joined the program but are already reporting an impact. Broadus school counselor Dori Phillips told Montana Free Press that in the two months since the district formalized its participation, she’s already referred six students to one-on-one tele-counseling through VAST. “I don’t know where I would be without the help with those particular kiddos,” Phillips said. When Dan Lee first envisioned the VAST program in 2019, he saw tele-counseling as the preventative prong in a larger effort to address student safety. As then-head of UM’s Safe Schools Center, Lee heard time and again from educators that shortages of mental health professionals in rural communities posed a significant hurdle to getting children the help they needed before their personal struggles reached a critical level. The challenge, Lee told MTFP, was in developing an initiative that didn’t reinforce misconceptions — tied to school shootings — about mental health as a public safety concern. “One of the concerns we had was we can’t criminalize mental health,” said Lee, now the dean of UM’s College of Education, which houses the campus’ various counseling programs as well as the Safe Schools Center. “We can’t say if you are depressed, you are a threat. You can’t do that. When you’re depressed, it doesn’t mean you’re a threat to anybody. So we didn’t like the idea of classifying mental illness as a threat to schools because it’s not.” VAST, which kicked off during the 2020-21 academic year with two participating schools, fit neatly into a collection of services Lee and his cohorts developed for Montana schools, providing a compassion-centric therapeutic tool to complement the center’s more site-specific threat assessments, staff training and its 24/7 school safety hotline. At the same time, Lee said, the initiative began giving UM students greater access to the clinical hours needed to obtain their degrees and licenses, hours that can be difficult to get. “We can’t say if you are depressed, you are a threat. You can’t do that. When you’re depressed, it doesn’t mean you’re a threat to anybody.” In the years since, VAST has increasingly filled a void in rural communities with participating schools. Tolleson Knee recalled the story of one student who had previously received counseling in a community an hour away from home, until the family’s finances could no longer sustain the costs of travel and treatment. Her colleague, Safe Schools Center Director Emily Sallee, added that even if families are able to sustain private mental health services, outside professionals may not be effective at coordinating with in-school staff. By comparison, VAST relies on teachers and school counselors — the latter a state-mandated position in public schools — to coordinate with UM-side practitioners and keep them informed about any developments in a student’s life that may go unseen or unacknowledged in a tele-counseling session. “There’s this huge wraparound piece that’s often missing when kids are accessing counseling outside of schools,” Sallee said, “and it’s a huge part of how all these people can be supporting this kiddo, not just the counselor.” For Deborah Ith, the team-centered aspect of the program has been an important facet of her VAST experience this fall. A doctoral student in UM’s school psychology program, Ith currently has three teenage students in rural schools that she meets with remotely at least once a week via a paid, HIPAA-compliant version of Zoom. Their struggles have primarily been interpersonal ones, Ith said, and on a couple of occasions have risen to the level that Ith has reached out to the school counselor and parents to develop a group plan of support. “Sometimes that means trying to support parents because that’s really scary,” Ith continued. “When you’re a parent and you have somebody call you up and be like, ‘Hey, this came up, this is going on, you need to know about it, this is what we talked about as a way to support and this is what you can do to support them,’ that’s really hard to hear sometimes.” Even as VAST participants continue to provide such day-to-day services for a growing collection of rural schools, Tolleson Knee is identifying opportunities to expand the program’s offerings even further. She told MTFP that starting this spring, the Safe Schools Center plans to try out a hybrid version of VAST in one Bitterroot Valley school that will include a monthly in-person counseling session for students on top of three monthly tele-counseling sessions. The University of Montana isn’t alone in recognizing the challenges rural schools face in providing adequate mental health support for their students. The nonprofit Montana Small Schools Alliance has developed its own 24/7 crisis support app, which mental health resources director Cindy Fouhy said has so far been accessed by more than 20,000 students across the state. In addition, the alliance — in partnership with the Montana Professional Learning Collaborative — has developed a free tele-counseling model of its own. Like VAST, the focus is primarily on Montana’s smallest and most resource-starved schools where dedicated one-on-one intervention simply isn’t available. “You go to these small schools and they may not even have a certified counselor,” Fouhy said. “If they do, he or she is also teaching classes and doing 500 other things.” The factors that make mental health support in rural communities so difficult can also fuel the very stressors that necessitate such support in the first place. Consider Broadus, a town of fewer than 500 people anchored to the vast prairie of southeastern Montana. The local K-12 school boasts a student population of roughly 225, some of whom travel up to 70 miles one way to attend Power River County’s sole high school. According to data from the Office of Public Instruction, more than a third of the student population is classified as economically disadvantaged. Politics, drought, alcohol use — there are a lot of issues influencing local families, said Broadus school counselor Dori Phillips, and those pressures “trickle to our students.” Professional help is more than 80 miles away in every direction. Stress and geographic isolation are exacerbated by a persistent social stigma around seeking mental health treatment, one that Phillips has struggled, family by individual family, to overcome. “Getting our families to commit to taking their kids for help is almost impossible in many cases,” Phillips said. “I have very few students on my caseload. I think there’s three total that actually travel out of town to get help.” Broadus Public Schools used to offer more robust mental health services for students through the state-sponsored Comprehensive School and Community Treatment program, or CSCT. But the district’s access dried up about two years ago following legislative changes to how services were administered, and the availability of a part-time school psychologist has largely served during emergencies or as a backup on days when Phillips isn’t working. So when Phillips heard of VAST in a statewide association email, she instantly saw the prospect of free, in-school tele-counseling as a carrot for local families. “I can work with kids on friendship issues, I can help kids if they’re having trouble managing homework or learning organizational skills, those types of things,” said Phillips, whose school counseling license is distinct from the licenses granted to clinical therapists. “But when you have a family who deals with the loss of a parent or a caregiver, you have a family who goes through even a nasty divorce or a child who has a lot of trauma from their early years, those are things that they really need a private counselor for. Someone who’s licensed and knows how to work with kids.” In just two months, the number of Broadus students receiving tele-counseling services through VAST has grown to six, and Phillips said she’s working to connect three more students with the program. “Getting our families to commit to taking their kids for help is almost impossible in many cases.” A few hundred miles to the north, Bainville school counselor Amy Iversen said the number of students she’s referred to VAST has grown from two students in 2022 to seven last school year. She described the ag-and-oil community as similarly small, with 172 students across all grades, and similarly isolated, with the closest larger population center lying across the state line in Williston, North Dakota. For Iversen, UM’s program came along at a critical time for several students who showed signs of behavioral issues or depression and whose families lacked the resources for private counseling. “They can come in and talk to me about it, but then you know what? They’re going to see me again in class in two days and they’re going to be like, ‘Oh, crap, is she going to say something?’” Iversen said. “They probably don’t want me to know all their secrets. I’ve got kids in the school, some of them are friends with my own kids. It’s awkward for them, so when you’re in a small school, it helps with that confidentiality.” In some cases, parents have commented to Iversen on a noticeable difference in their child’s confidence, self-esteem or coping skills as a result of ongoing therapy. And while school-based counseling has its limits — like the services provided by traditional school counselors, VAST is not offered during the summer break — Iversen hopes the mental health skills students glean during the school year can see them through the off months. “That’s better than not getting anything,” Iversen said. Dozhier, the UM grad student, didn’t have to look much further than their own childhood in a small Oregon timber town to understand the issues facing the young Montana clients they counseled last spring. Kids are smarter and more observant than people think, Dozhier said, which means when pressures like joblessness, food insecurity or substance abuse weigh on a household, children pick up on it. They may act out or isolate themselves, sometimes without knowing why, and the last thing such a student can focus on is learning. “Their thinking brains are off,” Dozhier said. Dozhier’s parrot Alfie may help break the ice, but helping a child navigate issues they may not fully understand requires more than just talking about pets and plants. In sessions with VAST, Dozhier said they primarily utilize a style of counseling called play therapy, allowing a student to play freely with whatever toys they choose. Their actions may give the counselor some subtle insight into what’s going on in their lives, Dozhier said. Fighting between toys could, for example, be indicative of difficult relationships with siblings or other family members and help guide a counselor’s questions. “Even though it looks like play, we find that pertinent themes come up in play, even without specifically saying, ‘Hey, how’s your relationship with your brother?’” Dozhier said. “It’s almost like watching a theater play that doesn’t have a lot of words and kind of using that to draw conclusions.” Ith’s work with older students this fall has also underscored the added stress coming to age in a smaller community can place on a 21st-century teen. She acknowledges that the rural nature of the schools she serves through VAST can help reinforce a sense of support, giving some students an awareness that others around them recognize the experiences they’re going through. But it’s a “double-edged sword,” she said, one that can make it difficult to find new peer groups or move past incidents of bullying. At the Montana Small Schools Alliance, Fouhy notes that social media and technology can exacerbate such issues in ways older generations may not fully understand. “The kids can’t get away from stressors,” Fouhy said. “In the 80s, kids could go home and if they had to fight at school, they wouldn’t have to worry about it again ’til Monday. But now it just goes on and on, and the conflict and the stress that’s just in their pocket is significant.” Remote delivery of the one-on-one services that can help students process such situations does pose challenges, and leaders at VAST are quick to note that the program isn’t a solution for budgetary shortfalls or hiring challenges. Dozhier and Ith both credit the effectiveness of their work to individuals in the communities they’ve served — school counselors, teachers, parents. Tele-counseling initiatives haven’t sought to replace those voices but rather to create oases in Montana’s rural desert of outside mental health services, and Tolleson Knee has heard from past participants that the anonymity of therapy was a key motivator. “When you do live in those small communities, it’s just so hard to be objective,” Tolleson Knee said. “I heard students and family saying it was so nice to know we weren’t going to like have this intense session where we’re talking about really personal stuff and then run into [the counselor] in the grocery store.” The experience of meeting such a need fits well with Dozhier’s long-term professional goal of returning to rural Oregon as a counselor, and they are slated to return to the VAST cohort of practitioners-in-training this spring as it branches into in-person service. But while the program is great at doing what it’s doing, Dozhier recognizes even private counseling has its limits. A few sessions with a therapist won’t erase the issues that arise for a child when, say, a parent is overworked, stretched thin and struggling just to put food on the table. When it comes to improving mental health, Dozhier said, the challenge is far more systematic than one school, one university or one counselor can handle alone. “The answer to all of this kid’s woes is maybe not counseling for a year,” Dozhier said. “The answer maybe to so many of these woes would be to reduce stress on the family, and that’s something that our systems aren’t set up to do.” This story was originally published by Montana Free Press at montanafreepress.org . You can read the original story here . Alex Sakariassen is a 2008 graduate of the University of Montana's School of Journalism, where he worked for four years at the Montana Kaimin student newspaper and cut his journalistic teeth as a paid news intern for the Choteau Acantha for two summers. After obtaining his bachelor's degree in journalism and history, Sakariassen spent nearly 10 years covering environmental issues and state and federal politics for the alternative newsweekly Missoula Independent. Be the first to know Get local news delivered to your inbox!Buying a house in 2025: your how-to guide

Apple investors could see their investments surge even further Christmas as the US stock market trends during Christmas eve has shown an upward surge for the company, right from the opening bell. According to The Street, Apple touched a record high of $255.65 on December 23, and if this trend goes on, Apple shares could touch a major peak as New Year approaches. When the closing bell rang on December 23 at Wall Street, Apple maintained its peak, closing in at $255.27. ET Year-end Special Reads It's all Gucci for Indians' luxury craving even as economy shows wrinkles Investing in 2025: Will domestic funds continue to counter FPI sell-offs amid rising valuations? 2024 exposed the underbelly of India's Silicon Valley Is Apple's demand at the stock market rising? The demand for Apple shares have increased significantly over the last few months owing to its massive research into the field of AI. Its market capitalization ahs also increased considerably, along with other major AI-based stocks, including the likes of Nvidia, IBM and others. Apple rolled out iOS 18.2 recently, which is a major software update featuring advanced AI capabilities. This major upgrade also includes ChatGPT support within Siri, as a part of giving writing tools a major advantage for Apple users. These latest upgrades and utilization of AI has helped Apple touch a huge stock figure, that is not looking at coming down anytime soon. Meanwhile, market trends a showing that existing Apple investors would get the maximum benefit of this rise, but new investors should proceed with caution if they are to buy Apple shares, since any crash would mean they could lose out on major chunk of investment. FAQs: Is Apple's stock going to grow further? Yes, after Apple's decision of working on AI-reliant services, it's stock has shot through the roof, and is now growing at a phenomenal pace. Has the Nvidia stock crashed in the past few days? No, the Nvidia stock has not crashed in the last few days, and has instead been on a superb run for a long time now. Web Development Java 21 Essentials for Beginners: Build Strong Programming Foundations By - Metla Sudha Sekhar, IT Specialist and Developer View Program Office Productivity Microsoft Word Mastery: From Beginner to Expert By - CA Raj K Agrawal, Chartered Accountant View Program Finance A2Z Of Money By - elearnmarkets, Financial Education by StockEdge View Program Web Development Mastering Full Stack Development: From Frontend to Backend Excellence By - Metla Sudha Sekhar, IT Specialist and Developer View Program Web Development Django & PostgreSQL Mastery: Build Professional Web Applications By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) AI-Powered Python Mastery with Tabnine: Boost Your Coding Skills By - Metla Sudha Sekhar, IT Specialist and Developer View Program Entrepreneurship Building Your Winning Startup Team: Key Strategies for Success By - Dr. Anu Khanchandani, Startup Coach with more than 25 years of experience View Program Web Development JavaScript Essentials: Unlock AI-Driven Insights with ChatGPT By - Metla Sudha Sekhar, IT Specialist and Developer View Program Design Microsoft Designer Guide: The Ultimate AI Design Tool By - Prince Patni, Software Developer (BI, Data Science) View Program Design Canva Magic Write: Ideas to Stunning Slides in No Time By - Prince Patni, Software Developer (BI, Data Science) View Program Artificial Intelligence(AI) Basics of Generative AI: Unveiling Tomorrows Innovations By - Metla Sudha Sekhar, IT Specialist and Developer View Program Astrology Vastu Shastra Course By - Sachenkumar Rai, Vastu Shashtri View Program Entrepreneurship Validating Your Startup Idea: Steps to Ensure Market Fit By - Dr. Anu Khanchandani, Startup Coach with more than 25 years of experience View Program Data Science SQL for Data Science along with Data Analytics and Data Visualization By - Metla Sudha Sekhar, IT Specialist and Developer View Program Finance Tally Prime & GST Accounting: Complete Guide By - CA Raj K Agrawal, Chartered Accountant View Program Artificial Intelligence(AI) AI and Analytics based Business Strategy By - Tanusree De, Managing Director- Accenture Technology Lead, Trustworthy AI Center of Excellence: ATCI View Program Finance Crypto & NFT Mastery: From Basics to Advanced By - CA Raj K Agrawal, Chartered Accountant View Program Leadership Business Storytelling Masterclass By - Ameen Haque, Founder of Storywallahs View Program Data Analysis Animated Visualizations with Flourish Studio: Beginner to Pro By - Prince Patni, Software Developer (BI, Data Science) View Program Data Science SQL Server Bootcamp 2024: Transform from Beginner to Pro By - Metla Sudha Sekhar, IT Specialist and Developer View Program (You can now subscribe to our Economic Times WhatsApp channel )Liminal Forecasts Third-Party Risk Management Solutions Market to Hit $19.9 Billion by 2030

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Public Sector Pension Investment Board Buys 1,200 Shares of Dollar General Co. (NYSE:DG)

Public Sector Pension Investment Board grew its position in Dollar General Co. ( NYSE:DG – Free Report ) by 14.3% in the third quarter, according to its most recent filing with the SEC. The fund owned 9,601 shares of the company’s stock after acquiring an additional 1,200 shares during the period. Public Sector Pension Investment Board’s holdings in Dollar General were worth $812,000 as of its most recent filing with the SEC. Other hedge funds also recently modified their holdings of the company. Pzena Investment Management LLC increased its position in Dollar General by 453.4% in the 3rd quarter. Pzena Investment Management LLC now owns 10,238,886 shares of the company’s stock valued at $865,903,000 after acquiring an additional 8,388,735 shares during the period. Baupost Group LLC MA bought a new stake in shares of Dollar General in the third quarter worth $194,832,000. Point72 Asset Management L.P. increased its holdings in Dollar General by 148.6% in the second quarter. Point72 Asset Management L.P. now owns 1,280,020 shares of the company’s stock valued at $169,257,000 after purchasing an additional 765,206 shares during the period. The Manufacturers Life Insurance Company raised its position in Dollar General by 319.6% during the 2nd quarter. The Manufacturers Life Insurance Company now owns 925,083 shares of the company’s stock worth $122,324,000 after purchasing an additional 704,639 shares during the last quarter. Finally, Renaissance Technologies LLC acquired a new position in Dollar General during the 2nd quarter worth about $55,986,000. Institutional investors and hedge funds own 91.77% of the company’s stock. Wall Street Analysts Forecast Growth A number of equities analysts have recently issued reports on DG shares. Sanford C. Bernstein assumed coverage on Dollar General in a research report on Tuesday, October 22nd. They set an “outperform” rating and a $98.00 price objective for the company. Gordon Haskett upgraded shares of Dollar General from a “hold” rating to a “strong-buy” rating in a report on Friday, November 8th. Telsey Advisory Group dropped their price target on shares of Dollar General from $103.00 to $90.00 and set a “market perform” rating on the stock in a research report on Monday, December 2nd. Wells Fargo & Company lowered their target price on shares of Dollar General from $90.00 to $80.00 and set an “equal weight” rating for the company in a research note on Thursday. Finally, HSBC cut their price target on shares of Dollar General from $100.00 to $88.00 and set a “hold” rating on the stock in a research report on Friday, November 15th. One equities research analyst has rated the stock with a sell rating, fourteen have assigned a hold rating, eight have assigned a buy rating and one has given a strong buy rating to the company’s stock. According to data from MarketBeat.com, the company has a consensus rating of “Hold” and a consensus price target of $98.27. Insider Activity at Dollar General In other news, Director Warren F. Bryant bought 1,000 shares of the company’s stock in a transaction on Tuesday, September 10th. The shares were purchased at an average price of $80.83 per share, with a total value of $80,830.00. Following the transaction, the director now directly owns 42,030 shares in the company, valued at $3,397,284.90. This represents a 2.44 % increase in their ownership of the stock. The purchase was disclosed in a filing with the Securities & Exchange Commission, which is accessible through the SEC website . Also, EVP Steven R. Deckard sold 2,010 shares of the company’s stock in a transaction that occurred on Wednesday, September 18th. The shares were sold at an average price of $86.66, for a total value of $174,186.60. Following the completion of the transaction, the executive vice president now directly owns 2,887 shares of the company’s stock, valued at approximately $250,187.42. This represents a 41.05 % decrease in their ownership of the stock. The disclosure for this sale can be found here . 0.49% of the stock is currently owned by insiders. Dollar General Stock Performance NYSE DG opened at $81.59 on Friday. The company has a current ratio of 1.22, a quick ratio of 0.24 and a debt-to-equity ratio of 0.86. The company has a fifty day simple moving average of $79.52 and a 200 day simple moving average of $103.60. Dollar General Co. has a 12-month low of $72.12 and a 12-month high of $168.07. The company has a market cap of $17.94 billion, a P/E ratio of 13.44, a PEG ratio of 2.33 and a beta of 0.44. Dollar General ( NYSE:DG – Get Free Report ) last posted its earnings results on Thursday, December 5th. The company reported $0.89 EPS for the quarter, missing the consensus estimate of $0.97 by ($0.08). The business had revenue of $10.18 billion for the quarter, compared to the consensus estimate of $10.14 billion. Dollar General had a return on equity of 20.62% and a net margin of 3.57%. The company’s revenue was up 5.0% on a year-over-year basis. During the same period in the previous year, the firm earned $1.26 earnings per share. Sell-side analysts predict that Dollar General Co. will post 5.78 earnings per share for the current fiscal year. Dollar General Announces Dividend The business also recently declared a quarterly dividend, which will be paid on Tuesday, January 21st. Investors of record on Tuesday, January 7th will be issued a dividend of $0.59 per share. The ex-dividend date is Tuesday, January 7th. This represents a $2.36 annualized dividend and a yield of 2.89%. Dollar General’s dividend payout ratio (DPR) is currently 38.88%. About Dollar General ( Free Report ) Dollar General Corporation, a discount retailer, provides various merchandise products in the southern, southwestern, midwestern, and eastern United States. It offers consumable products, including paper and cleaning products, such as paper towels, bath tissues, paper dinnerware, trash and storage bags, disinfectants, and laundry products; packaged food comprising cereals, pasta, canned soups, fruits and vegetables, condiments, spices, sugar, and flour; and perishables that include milk, eggs, bread, refrigerated and frozen food, beer, and wine. Featured Stories Want to see what other hedge funds are holding DG? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Dollar General Co. ( NYSE:DG – Free Report ). Receive News & Ratings for Dollar General Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Dollar General and related companies with MarketBeat.com's FREE daily email newsletter .Hyperview establishes headquarters in Quzhou city

HICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced the appointment of Brian Callanan , Senior Managing Director and General Counsel at Liberty Strategic Capital ("Liberty"), to its Board of Directors, effective December 16, 2024 . Commenting on the appointment, Joseph M. Otting , Chairman, President, and CEO said, "I'm pleased to have Brian join our Board. His proven track record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian's perspectives will provide valuable guidance, and his leadership will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients." Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan leads the firm's legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during COVID-19, the design of new economic sanctions, and the implementation of tax reform. While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department's highest honor. This appointment aligns with the $1.05 billion equity investment in March 2024 , which stipulated that two Board seats would be granted to lead investor Liberty Strategic Capital. With Callanan's addition, the Company's Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting , Milton Berlinski , Alessandro P. DiNello , Alan Frank , Marshall Lux , Lead Independent Director Secretary Steven T. Mnuchin , Allen Puwalski , and Jennifer Whip. About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Nicole Yelland (248) 219-9234 View original content to download multimedia: https://www.prnewswire.com/news-releases/flagstar-financial-inc-appoints-brian-callanan-to-board-of-directors-302331692.html SOURCE Flagstar Financial, Inc.Squeeze on election spending but cash caps up in air

NoneBuying a house in 2025: your how-to guideNo. 24 UCLA is seeking its eighth straight win on Saturday against an Arizona team that is trying to right the ship after dropping four of its last six games. The game is being played in Phoenix, billed as part of the Hall of Fame Series. It's the first meeting between the storied ex-Pac-12 rivals since the conference's collapse last year and will be the first time the teams have met in a nonconference matchup since 1977. UCLA (8-1) is off to a surprisingly hot start after a nightmarish last season. The Bruins have won seven in a row after falling to New Mexico on Nov. 8. They're coming directly off a 73-71 victory over No. 12 Oregon on Sunday on a game-winning 3-pointer by Dylan Andrews with 0.3 seconds remaining. Eric Dailey Jr. led the way with 19 points on 7-of-8 shooting. The Bruins sit at 2-0 in conference play in their first season as a member of the Big Ten. "My analysis early of the Big Ten is that it's so deep," UCLA coach Mick Cronin said. "I know it probably always was that way, but now it's deeper. You've just got to get better. "I also coach at UCLA where we get the most titles and (have been to) the second-most finals. I didn't come to UCLA to win regular-season games. For us, it's about progression and getting better. "We were able to win (against Oregon) but I thought we got a lot better. We came together. We got more cohesive. The guys played with confidence." Tyler Bilodeau leads UCLA in scoring and rebounding, averaging 13.3 points and 5.9 rebounds per game. Bilodeau played his first two collegiate seasons at Oregon State, although his maiden voyage at UCLA is only his second season as a regular starter. Dailey, a transfer from Oklahoma State, doesn't trail too far behind in either category, averaging 12.3 points and 5.2 rebounds per game. USC transfer Kobe Johnson leads the Bruins with 3.2 assists while also tallying 7.3 points and 5.1 rebounds per game. The Wildcats (4-4) are in the midst of a dreadful start, needing a 102-66 win over Southern Utah to nurse themselves back to .500. Before that, Arizona was just one for its last five. The Wildcats are winless against fellow power-conference opponents, suffering double-digit losses to Wisconsin and Duke. Arizona also absorbed a five-point loss to Oklahoma and a seven-point overtime loss to West Virginia at the Battle 4 Atlantis. "Great programs are going to stumble once in a while," Arizona coach Tommy Lloyd said. "The response is the key. Learning from it and coming back stronger is the objective and that's the challenge. We obviously have been challenged early in the season. "(The emphasis needs to be on) Arizona basketball, because here's the deal: UCLA is a good program. If we go in and all we're worried about is UCLA and we assume that we're going to show up and play well, we're going to get our ass kicked." The Wildcats are led by Caleb Love, who returned for a second season at Arizona and a fifth in college overall after he played his first three seasons at North Carolina. Love is averaging 14.1 points per game on 37.2 percent shooting, down from 18 points per game a season ago. Aside from Love, Arizona has four more players averaging in double figures for the season: Jaden Bradley (12.0 ppg), Trey Townsend (11.3), KJ Lewis (10.3) and Anthony Dell'Orso (10.0). --Field Level MediaTrump wants to turn the clock on daylight saving time

Readers respond: Starr inspired those around him

Solis Mammography Announces Acquisition of Avestēe Women's Imaging Centers in San AntonioDALLAS, Texas, Dec. 16, 2024 (SEND2PRESS NEWSWIRE) — Skyhawks Sports, a Stack Sports company, is proud to announce the winner and finalists of the 2024 Coach of the Year Award. This annual accolade honors coaches who exemplify exceptional dedication, leadership, and a commitment to fostering positive sports experiences for young athletes. Jason Frazier, General Manager of Skyhawks, expressed his admiration for the coaches: “Our coaches are the heartbeat of Skyhawks, dedicating themselves to nurturing young athletes both on and off the field. Their commitment not only create fun sports experiences but also teach life lessons that resonate beyond the game is what makes them great coaches.” WINNER: FINALISTS: Coach Michael “Mikey” Monary has been an invaluable asset to the Skyhawks Sports Academy in Orange County. His passion and determination to continually improve as a coach have cultivated a significant following among local organizations, often resulting in waitlists exceeding 20 children. Parents frequently request Coach Mikey, with some traveling to different cities to enroll their children in his classes. Coach Mikey’s versatility allows him to coach any sport and age group, and he proactively expands his expertise, even taking private tennis lessons to better serve his students. His commitment to providing positive experiences for children exemplifies the core values of Skyhawks Sports. Jeff Brunsberg, Chief Revenue and Strategy Officer at Stack Sports, added: “Recognizing these outstanding coaches underscores our mission to increase participation and transform the sports experience. Their passion and dedication are pivotal in creating positive, lasting impacts in the communities we serve.” Skyhawks Sports remains dedicated to providing quality youth sports programs that emphasize critical life skills such as teamwork, respect, and sportsmanship. The organization congratulates Michael Monary and all the finalists for their exceptional contributions to youth sports. About Skyhawks Founded in Spokane, Washington in 1979, Skyhawks has established itself as one of the largest youth sport program providers in North America. Skyhawks provides a wide variety of fun, safe and positive programs that emphasize critical lessons by “teaching life skills through sports”. Programs range from week-long summer camps to after-school programs, clinics, and leagues for children aged 18mths to 14 in a variety of sports. About Stack Sports With nearly 50 million users in 35 countries, Stack Sports is a global technology leader in SaaS platform offerings for the sports industry. The company provides world-class software and services to support national governing bodies, youth sports associations, leagues, clubs, parents, coaches, and athletes. Some of the largest and most prominent sports organizations including the U.S. Soccer Federation, Little League Baseball and Softball, and Pop Warner Little Scholars rely on Stack Sports technology to run and manage their organizations. Stack Sports is headquartered in Dallas and is leading the industry one team at a time focusing on four key pillars — Grassroots Engagement, Participation Growth, Recruiting Pathways, and Elite Player Development. To learn more about how Stack Sports is transforming the sports experience, please visit https://stacksports.com/ . NEWS SOURCE: Stack Sports Keywords: Sports and Activities, Skyhawks Sports 2024 Coach of the Year Award, Stack Sports, Supertots, youth sports programs, DALLAS, Texas This press release was issued on behalf of the news source (Stack Sports) who is solely responsibile for its accuracy, by Send2Press® Newswire . Information is believed accurate but not guaranteed. Story ID: S2P122869 APDF15TBLLI To view the original version, visit: https://www.send2press.com/wire/skyhawks-sports-announces-2024-coach-of-the-year-winner-and-finalists/ © 2024 Send2Press® Newswire, a press release distribution service, Calif., USA. Disclaimer: This press release content was not created by nor issued by the Associated Press (AP). Content below is unrelated to this news story.