Tag: General News

  • Fact Check: Has President E. Gordon Gee increased West Virginia University’s debt load by 55%?

    Amid the controversy over deep budget cuts at West Virginia University, the WVU Faculty Senate in September pursued a vote of no confidence in President E. Gordon Gee.

    Outlining the faculty’s concerns with Gee’s actions, the no-confidence resolution said Gee had “mismanaged the university’s finances—while also refusing to accept responsibility for the current financial situation of the university.” 

    The resolution added that Gee had promised to expand WVU’s enrollment to at least 40,000 by 2020, “to justify expansion and spending hundreds of millions of dollars on projects that would increase WVU’s debt load by 55%. Yet during his presidency, student enrollments have steadily decreased.”

    Along with several other PolitiFact West Virginia fact-checks of assertions made during the budget debate, we will look here at the Faculty Senate’s statement that Gee’s projects have increased “WVU’s debt load by 55%.”

    We found that the 55% figure is exaggerated.

    WVU has taken on additional debt during Gee’s second tenure as president, which began in 2014. According to data on WVU’s debt compiled by the Chronicle of Higher Education, WVU’s total debt rose from $645 million in 2013, the year before his current presidential tenure began, to almost $963 million in 2022.

    That’s an increase of 49.3%, which is fairly close to 55%.

    However, not all of that increase relates to Gee’s actions. A significant portion was set in motion before he began his current tenure as president.

    April Kaull, WVU’s executive communications director, provided PolitiFact with a breakdown of the 25 line items comprising the university’s debt load.

    The data shows the university’s overall debt load is about $877 million today. But only about $300 million of that total stems from Gee-initiated projects. The remaining $577 million consists of debts incurred before his current presidency or Gee-era refinancing of debts incurred before his tenure.

    “This equates to about 34% of the currently outstanding principal on university-issued debt,” Kaull said.

    Frankie Tack, the WVU Faculty Senate chair and a clinical assistant professor of counseling and learning sciences, told PolitiFact West Virginia that the 55% figure is “inaccurate.”

    “Institutional debt at this level,” Tack said, “is highly complex.”

    Our ruling

    The WVU faculty Senate resolution said Gee’s university projects have increased “WVU’s debt load by 55%.”

    The actual rise attributable to Gee is about 34%, because much of the increase that has occurred during his presidency stems from debt taken on before he took office.

    That’s still a significant increase, but not as large as the resolution said.

    We rate the statement Mostly False.



    Source

  • Top 10 U.S. destinations for fall getaways – Paradise Post

    Falling leaves, pumpkin patches, cider doughnuts — it’s fall all right. If you’re craving an autumn getaway, PureWow, the New York City-based lifestyle site, is offering up plenty of inspiration, including a list of 31 vacation destinations for fall. We don’t know why they chose 31 — perhaps a penchant for prime numbers? —  but it includes hot spots that will appeal to leaf peepers, romance lovers and nature enthusiasts alike.

    California scored four shout-outs in all, including Yosemite National Park at No. 6 and Napa Valley at No. 8. Humboldt County’s Redwood National and State Parks landed at No. 11, thanks to its towering redwoods and serene trails. And anyone heading to San Francisco (No. 19), the site says, can “enjoy days filled with farmers markets, street fairs and football games.” (They were so perky about it, we don’t have the heart to tell them the stadium is in Santa Clara, an entirely different city an hour’s drive south.)

    Here’s just a peek at the list. Find all 31, along with sightseeing and hotel suggestions, at www.purewow.com/travel/.

    The rising sun lights up the fall colors
    The rising sun lights up the fall colors of leaves 06 October 2007 on Route 9 outside of Woodford, Vermont. Fall foliage in the New England region is reaching its peak this week. AFP PHOTO/Stan HONDA (Photo credit should read STAN HONDA/AFP via Getty Images)

    Pure Wow’s Top 10 Fall Destinations

    1 The Poconos, Pennsylvania

    2 Acadia, Maine

    3 Eastern Shore, Maryland

    4 Woodstock, Vermont

    5 Sedona, Arizona

    6 Yosemite, California

    7 Aspen, Colorado

    8 Napa Valley, California

    9 North Fork, Long Island

    10 Grand Canyon, Arizona

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  • Senate Mandates 5 Committees To Investigate Crude Oil Thefts In Niger-Delta

    Godswill-Akpabio

    The Senate has mandated its Committees on Petroleum Resources, (Upstream, downstream,) Gas, Host communities and Niger Delta to conduct an investigation on oil theft in the region.

    It specifically mandated the committees to investigate the actions of security forces, militia groups, the local populace, all company employees, and any individuals or entities suspected to be using sophisticated methods to pilfer from oil facilities within the country.

    The resolution was sequel to the adoption of a motion at the plenary on Tuesday on “Urgent need to investigate incessant and nefarious acts of crude oil thefts in Niger- Delta region.

    The motion was sponsored by Sen. Ned Nwoko (PDP- Delta) and co-sponsored by Sen. Ede Dafinone and Sen J.Thomas.

    Nwoko in his lead debate said that Nigeria was largely dependent on crude oil for its economic growth and development.

    He said the National Bureau of Statistics (NBS) reported that oil sector contributed 6.33 per cent of the nation’s GDP which translated to 45.6 billion dollars in 2022 .

    Nwoko said the oil sector in Nigeria plays pivotal role in providing employment opportunities for millions of Nigerian citizens accounting for 70 per cent of its budget financing, while oil and gas made up of 90 per cent of export and 85 per cent of government revenue in the first quarter of 2022.

    He said statistical data which has been reported over the years, indicated that pipeline vandalism, oil bunkering, has brought Nigeria Into serious socio-economic crisis.

    The senator said current collaborative efforts involving joint task force of the military,with contributions of various security entities, state and local governments, and International Oil Companies (IOCs) in the Niger Delta region has yielded positive results.

    He said the efforts has led to an increase in oil production, reaching 1.51 million barrels per day in first quarter 2023.

    ” This figure marks an improvement from the 1.49 million barrels per day recorded in the same quarter of 2022 and is notably higher than the production volume of 1.34 million barrels per day in the fourth quarter of 2022.”

    Nwoke said inspite of efforts of military personnel and security agencies in combating oil theft in the Niger Delta region, he, however alleged of individuals within the institutions who engage in illicit activities.

    “These individuals collaborate with unscrupulous figures within the oil industry to undermine the nation’s economy.

    “Also observes that it has come to attention that oil theft in Nigeria thrives due to a troubling collaboration between security forces, militia groups, the local population, and certain employees within oll companies .

    “These parties employ sophisticated methods to carry out theft from all facilities located within the country given Nigeria’s vast oil and gas reserves.”

    He expressed concern of alleged accusations and counter-accusations of oil bunkering and various other crisis between the military and local militia groups.

    “In 2022, it was reported that Nigeria suffered daily loss of approximately 437,000 barrels of crude oil, amounting to a value of 23 million dollars, due to criminal activities.

    ” Moreover, between March 2023, Nigeria incurred a substantial loss of 65.7 million barrels of crude oil, valued at 83 dollars per barrel, translating to a staggering revenue loss of N2.3 trillion as a result of oil theft.”

    He expressed worry that the activities of oil thieves and their collaborators has significantly hampered crude oil production posing a substantial threat to the nation’s economy.

    Contributing, Sen. Mpigi Barinada(PDP- Rivers) called for proper check on issues of oil thefts in Niger Delta, adding that there was challenge of collaboration among security agencies.

    Sen.Osita Izunaso (APC- Imo) said oil bunkering was a major economic sabotage for Nigeria , saying that it was a multifaceted issues.

    He said the solution required sustainable measures and not on ad-hoc basis.

    Sen. Buhari Abdulfatah called for a review of the laws to provide for punitive measures for would be offenders.

    Sen.Adams Oshiomole (APC-Edo) urged the Senate to support President Tinubu in the fight against oil thieves,saying that it was time to stop oil thefts in Nigeria.

    He said it was shameful that so much was been stolen from oil, and urged the senate to invite the service chiefs to interface with senate on what the security agencies were doing to stop oil thefts.

    President of Senate, Godswill Akpiabio said he believes strongly that the Armed Forces were in better position to secure the country.

    He thanked the sponsor of the motion, while urging the committee to do a holistic investigation in the interest of the nation.

    Senate consequently urged the committee to present its report on the investigation in six weeks.

    Source

  • 8 Latino financial influencers to follow in 2023 – Paradise Post

    By Funto Omojola | NerdWallet

    Having access to trustworthy financial institutions is a critical part of building generational wealth. Families of color, including Latino families, face unique challenges in accessing these institutions.

    We asked eight Latino financial professionals about how financial institutions can better serve Latino consumers, and how individuals can break cycles within their families and communities.

    Responses have been edited for length and clarity. Learn more about each financial pro below, following the questions.

    Latino communities are some of the most at risk when it comes to predatory lending. How can they break cycles?

    Cindy Zuniga-Sanchez (founder of Zero-Based Budget Coaching): “I grew up in a low-income, predominantly Black and Latino community in the Bronx, where it was all too common to see advertisements for “fast cash” and payday lenders. I witnessed members of my community frantically turn to these options to cover their bills and other necessities which, thanks to predatory interest rates, resulted in them being trapped in a seemingly never-ending cycle of debt.

    “Two ways that our community can break these predatory lending cycles are to bank with reputable and insured institutions and build a healthy credit history. Doing business with local credit unions and banks that are National Credit Union Administration (NCUA) or Federal Deposit Insurance Corporation (FDIC) insured not only safeguards deposits made (for example, in savings or checking accounts), but it also provides customers with access to other financial products, including personal loans. Building a positive credit history by making timely payments and responsibly using credit cards can offer even more options for those moments when you need to quickly access cash.”

    Valerie Rivera (certified financial planner and founder of FirstGen Wealth): “Payday lenders perpetuate a cycle of poverty by taking advantage of people in a vulnerable position.

    “If someone is in a bind and needs cash fast, this is a sign of a larger issue to address. The first step is to transition from this reactionary state to a proactive one where you are taking agency over your situation. First, take inventory of every single expense. What is needed? What can be cut? Look to see where there is flexibility. Then, open a free online savings account to start an emergency fund.”

    Delyanne Barros (Delyanne the Money Coach): “Ending predatory lending at the source is essential but it’s not the responsibility of those being targeted. Thankfully, there are organizations like the American Civil Liberties Union (ACLU), the Center for Responsible Lending, and Public Citizen, which are all fighting for stricter regulations of financial industries in order to protect consumers. It’s going to take a concerted effort by many organizations to combat the lobbying efforts of the financial industry, which allows for the current predatory practices that we see today.

    “A better option for lending would be using a credit union or community bank. These are much more likely to offer individuals lower interest rates with reasonable loan terms. If that’s not possible, consider government assistance programs on USA.gov or those offered by the state or the city where you live.”

    How can Latino individuals and families help build trust in financial systems within their communities?

    Yanely Espinal (author of “Mind Your Money”): “There is simply no other way to build trust than to earn it! There is so much talk of community outreach and cultural sensitivity and inclusivity, but we need to see action behind all these words!

    “The credit scoring system in America is long overdue for improvements. My immigrant parents have no credit scores today due to their ‘thin file’ with the credit bureaus. However, they’ve made monthly payments for over 30 years to companies providing electricity, gas, water, phone and internet services, and more. They were told that these companies don’t report payments to credit bureaus because they’re considered ‘nontraditional’ credit types. Rent payments, layaway accounts and child care payments also do not get reported to credit bureaus. To establish trust within our community, financial institutions need to choose to value our ways of life and include them in traditional financial models.”

    Rivera: “The real question is, ‘How can financial systems build trust within the Latinx communities?’ One step includes transparency and fair practices, including eliminating abusive fees.

    “Another step is for financial institutions to engage with the community to understand Latinx needs and concerns. Hire staff who are fluent in Spanish and knowledgeable about the specific financial needs and challenges Latinx individuals and families face. Foster a diverse and inclusive workplace by hiring Latinx employees in various roles, including leadership positions.

    “Financial institutions can develop and promote financial products that are affordable and accessible to low-income and underserved Latinx communities. Sites like NerdWallet are critical because they provide education in an unbiased and accessible format. One of the key elements in building trust is acknowledging where the large banks have missed the mark instead of leaving the onus on the individual to ignore the bad taste in their mouth.”

    Carlos Hernandez (founder and CEO of Crediverso): “Building trust in financial systems within the Hispanic community is a multi-faceted endeavor. I’ve worked in finance in both Latin America and the U.S., including roles on Wall Street and as the head of a venture-backed financial technology startup serving the Hispanic community, and I can attest that the challenge arises from a mix of historical, cultural and practical reasons.

    “Community-oriented strategies can help address these unique challenges at a local, institutional and regulatory level.”

    Should generational wealth remain at the core of conversations about finances and the Latino community?

    Maribel Fransisco (founder of Our Wealth Matters): “I believe the topic should be transitioned to ‘family wealth.’ Latinx communities are all about family — it is at the core of major decisions. Many families are more concerned with the ‘here and now’ — how are we paying for food, how are we paying the rent, what’s for dinner? By focusing on ‘family wealth’ we focus on the here and now within the community.”

    Jannese Torres (creator and host of the “Yo Quiero Dinero” podcast): “If you’re first- or second-generation, your parents’ monetary goals may not have been growing their assets, but rather surviving in a new country and even supporting relatives abroad. So, the idea of generational wealth, or leaving money for the next generation, is relatively new. But it’s possible for us, too, and we have many more resources at our disposal than previous generations, thanks in large part to the internet.”

    Louis F. Rosa (creator and host of the “On My Way to Wealth” podcast): ​Generational wealth should remain as a core topic in conversation about finances within the Latinx community, but it should be paired with building wealth in the first place, and then focus on how to continue that through generations to come. You can’t pass the baton if you’re not in the race, so we should focus on how to build wealth and protect it first, then focus on strategies to pass it down to future generations.”

    Espinal: “While building generational wealth is a worthwhile goal, I find that it has become a buzzword that gets used to promote all kinds of financial products and services, particularly on social media.

    “A 2022 Life Happens report found that 42% of Hispanics in America have life insurance, meanwhile data from the U.S. Census Bureau shows that only 28.3% own retirement investment accounts. This means our community is more prepared for death than we are for life! This motivates me to continue to educate my community and help them understand that generational wealth starts with you taking care of yourself financially so that your children are not burdened by your needs in retirement.

    “I pride myself in prioritizing the cultural values I was taught, like generosity, community support, and loving and caring for my family. At the same time, I recognize the importance of being transparent with my family about what I can’t do for them financially because of my own goals and plans for my financial future. In my opinion, we need to balance out the concept of generational wealth with a comprehensive approach to financial planning, which includes not only securing our family’s future through life insurance, but actually prioritizing our present and individual financial well-being! This means building a tax-advantaged retirement plan, investing early and often to grow our wealth during our lifetimes, and actively seeking out economic opportunities and education to advance our income potential and entrepreneurial goals.”

    NerdWallet staffers Cara Smith and Pamela de la Fuente contributed to this report.

    More about the influencers

    Delyanne Barros: Delyanne the Money Coach

    Barros is the host of the “Diversifying” podcast on CNN. Like many people, she found herself confused and frustrated when it came to managing money. She had racked up $150,000 of student loan debt and barely understood her 401(k). In 2020, she became debt-free and launched Delyanne the Money Coach LLC to help others build generational wealth. Instagram: @delyannethemoneycoach

    Yanely Espinal: MissBeHelpful

    Yanely Espinal is a Brooklyn-born ball of energy! Her book, “Mind Your Money: Insightful Stories and Strategies to Help You Reach Your #MoneyGoals”, was published in May of 2023. Yanely serves as the Director of Educational Outreach for NGPF.org, a nonprofit working to ensure that every high school student gets a full semester of personal finance education. She is also an Advocate for the NGPF Mission 2030 Fund where she champions bills that propose a high school personal finance requirement at the state level. Yanely is a member of CNBC’s Financial Wellness Advisory Council, and the host of “Financially Inclined from Marketplace,” a video podcast for teens about money lessons for living life your own way. After working as an elementary school teacher, she parlayed her own financial journey into an educational platform, called MissBeHelpful, on YouTube and Instagram. Instagram: @missbehelpful

    Maribel Francisco: OurWealthMatters

    Francisco launched OurWealthMatters to empower and advocate for her community to plug in to financial institutions and become investors — regardless of immigration status. After cashing out her 401(k), unaware of the repercussions, she began creating English and Spanish, undocumented-friendly content to help others pursue financial independence and generational wealth. Instagram: @OurWealthMatters

    Carlos Hernández: Crediverso

    Carlos “Charlie” Hernández is the founder and CEO of Crediverso. Carlos launched Crediverso to help the U.S. Hispanic community and beyond achieve financial and legal literacy. Carlos is a graduate of Harvard University, Harvard Law and Business school, a registered attorney with the American Bar Association in California and a Licensed Real Estate broker with the California Bureau of Real Estate. Instagram: @creditcarlos

    Valerie Rivera: FirstGen Wealth

    Valerie Rivera, named one of Investopedia’s 100 Top Financial Advisors of 2023, has 15 years of experience empowering individuals/families to build and grow wealth. As one of only 1% of Latinas holding the Certified Financial Planner (CFP) designation, she founded FirstGen Wealth — a financial planning practice dedicated to early- to mid-career first-generation wealth builders nationwide. Twitter: @1GenWealth

    Luis F. Rosa: On My Way to Wealth

    Luis F. Rosa is the creator and host of the “On My Way to Wealth” podcast. He’s also the founder of Build a Better Financial Future LLC, a fee-only financial planning and investment management firm helping first-gen wealth creators. Instagram: @luis_f_rosa

    Jannese Torres: Yo Quiero Dinero

    Jannese Torres is an award-winning Latina money and business expert. With over a decade of experience in digital entrepreneurship, she teaches marginalized communities about starting a business, investing and financial independence through her three-time award-winning personal finance podcast and platform, “Yo Quiero Dinero.” Instagram: @yoquierodineropodcast

    Cindy Zuniga-Sanchez: Zero-Based Budget Coaching

    Cindy Zuniga-Sanchez is the founder of Zero-Based Budget Coaching LLC and author of “Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth.” She has spoken to thousands and coached hundreds on creating a realistic money plan to achieve financial freedom. Instagram: @zerobasedbudget

     

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  • In Haiti, gang violence strains aid operations and demands new approaches

    Haiti’s surge in gang violence and kidnappings is forcing aid organisations to rethink shipment routes, staff risks, and security costs – and to consider the ethical and safety implications of trusting leaders of armed gangs who say they can help. 

    This phenomenon isn’t unique to Haiti, and is notably prevalent in Latin America. From Brazil to Colombia to Peru, humanitarian organisations are in a difficult bind: Negotiate with armed groups and gangs, or accept that staff may be put in more danger or that aid won’t reach some of the people who need it most. 

    In Haiti, rampant gang violence has meant delays in getting help to an estimated 4.9 million people in need of assistance, some of whom were impacted by the 7.2-magnitude earthquake on 14 August that killed more than 2,200 people in the country’s southern peninsula.

    The International Committee of the Red Cross (ICRC) estimates that more than half of the Haitians who need humanitarian assistance – 2.5 million of the country’s 11.4 million people – live under the control of armed groups. 

    Esther Dupain used to be one of them.

    In June, armed men shot and killed her mother and then burnt down her house during an eruption of violence in Martissant – a gang-riddled neighbourhood in the south of the capital, Port-au-Prince. Dupain sought shelter in Champs de Mars – a sprawling park near the ruins of the National Palace, destroyed in the catastrophic January 2010 earthquake that killed between 100,000 and 300,000 people.  

    Summer flooding soon transformed streets into rivers, and the park became a flashpoint for frequent gunfights between gangs. Dupain was forced to join 1,500 others living in a large gymnasium in Carrefour, in the city’s western outskirts. Roughly 19,000 people have been displaced by gang violence in the capital since June. 

    “There’s nothing left for me here,” Dupain, 32, told The New Humanitarian in November, adding that she hoped to migrate to the neighbouring Dominican Republic to be with her 15-year-old daughter. Together, Haiti and the Dominican Republic comprise Hispaniola, the second largest Caribbean island after Cuba.

    Disasters, political upheavals, and stark economic realities have driven many Haitians to seek opportunities abroad over the past decade, but the worsening gang violence has seen a recent surge in outward migration.

    Read more → Who’s to blame for Haiti’s migration crisis?

    The number of gangs in the capital has skyrocketed since the assassination of President Jovenel Moïse in July, according to Eric Calpas, a sociologist who has studied youth and armed groups for decades. In some neighbourhoods, it’s unclear which gang is in control, or if an area will suddenly be engulfed in gunfire between rival gangs. 

    For aid groups trying to deliver vital assistance, the situation is hugely problematic. Gangs control the area around the main port where fuel shipments arrive. They are also present in the industrial business zone where food is often stored, as well as along roads heading out of the capital towards the disaster-battered southern peninsula. 

    Some aid groups had been using a different route south through Laboule, but the area has recently become a battleground for rival gangs: Two journalists were recently killed there.

    “Alternative routes [to the southern peninsula] don’t exist,” Christian Cricboom, country director for the UN’s emergency aid coordination body, OCHA, told The New Humanitarian. 

    The unrest has forced some aid organisations and NGOs to curtail operations or stop them entirely. Médecins Sans Frontières, for example, shut down its hospital in Martissant in August due to the spiralling violence. The hospital, which is still closed, had been providing free treatment to more than 300,000 people. Midwives for Haiti, meanwhile, had to limit clinics for pregnant women due to roadblocks and fuel shortages linked to the gang violence, according to country director Jean-Mariot Cléophat.

    “Violence has escalated – not only the level of violence, but the type of violence.”

    While others are scaling back, some aid organisations have stepped up their efforts exactly because of the violence and rising needs. The ICRC shuttered its operations in Haiti as the situation improved roughly four years ago, only to re-open an office after the August earthquake. It has since been helping to improve access to healthcare services amid the uptick in violence and worsening fuel shortages.  

    “Violence has escalated – not only the level of violence, but the type of violence,” ICRC’s regional director, Sophie Orr, told The New Humanitarian. 

    Kidnappings have become regular risks, not just for aid workers but for everyone living in Haiti. A gang kidnapped a group of missionaries In October. Some were freed after a ransom was paid. The others said they managed to escape. Three aid workers were also kidnapped last year, but many aid officials who spoke to The New Humanitarian declined to give details on incidents involving their organisations for security reasons. 

    A week-long truce announced in mid-November by Jimmy “Barbecue” Cherizier, leader of the G9 federation of gangs, provided some respite to NGOs: Roadblocks were lifted along key roads connecting the capital and the international airport to the southern peninsula. 

    But many also fear Cherizier: A former police officer who had close links to Moïse, he was sanctioned by the US Treasury for his alleged role in a 2018 attack against anti-government protesters during which 71 people were killed and at least seven women raped. 

    Rising security costs

    Because the security situation in the Caribbean country has been so unstable, the World Food Programme has been redirecting some aid from the main hubs in the capital through air transport or via barges to other sea ports. For instance, a helicopter and a small plane operated by the United Nations Humanitarian Air Service (UNHAS), and managed by WFP, delivers aid daily to Carrefour.

    But there are no guarantees that gangs won’t stop even these deliveries. And not all relief organisations can afford to pay for shipping via barges or planes. Many also lack the funds to pay for security guards. 

    The UN occasionally employs armed escorts to cross gang-blocked roads, such as in Martissant. But getting commercial security companies to help train aid groups in hostile environments and driver safety in Haiti has been a challenge. Many firms have refused to work here, or charge exorbitant rates if they agree.  

    Christina Wille, director of Insecurity Insight, which provides security analysis and recommendations to humanitarian workers, said three main factors determine how groups address the security issue in Haiti: disposable funds, their degree of involvement with local organisations and communities, and whether their focus is more on their own organisation or helping partner groups.

    “These are quite different security approaches,” Wille explained. “It depends on what you have to report to donors, or a board, or founders. It’s a very different mindset if you are a very well-resourced agency which operates in a big international structure”, and that doesn’t have to rely on “low-cost, home-made security solutions” for the protection of local staff, as smaller groups often have to. 

    “You can’t just ring the gang leader’s front door.”

    With many organisations no longer having expat staff in the country – and even for many of those that do – there’s an increasing focus on supporting local staff through additional training. This can include everything from general kidnapping preparedness to teaching key tips such as varying routes to work, ensuring you’re not alone for money withdrawals, and regularly communicating your whereabouts. 

    Aid groups “need to have clear ethical policies on what they would and would never do”, Wille added, warning that many options carry risks. “You can’t just ring the gang leader’s front door,” she explained. “You have to build your contacts very carefully. But sometimes you have to go through some dodgy people.”   

    Wille gave the example of a group of NGOs that she consults with regularly that was recently able to arrange a convoy through a gang-run area thanks to the assistance of religious leaders who were in close contact with key people in the armed groups. 

    Isabel Marquéz, deputy director for the Americas at the UN’s refugee agency, UNHCR, added that using existing networks – such as local aid groups and community organisations – can help facilitate such openings. 

    “When you are setting up a humanitarian corridor, there is a certain level of communication, a certain level of dialogue,” she said. “But that by no means implies [formal] recognition of such groups.”

    Delicate negotiations

    The ICRC has had many years of dealing with similar situations elsewhere, namely in parts of Colombia and the VRAEM region of Peru – both settings where it engages with local groups and community leaders in areas where armed groups operate. 

    “Those who have been involved in fighting see you for what you do, if you do it well and with transparency for all those involved,” Orr told The New Humanitarian. 

    Building acceptance among local communities in Haiti has been key for NGOs such as Christian Blind Mission, a German NGO providing assistance to people with disabilities.

    “We deal with all the hostile actors in a certain area and try to build a level of acceptance with each of them – be they corrupt officials, checkpoint staff, armed militias, or violent gangs,” Tom van Herwijnen, the group’s global security manager, told The New Humanitarian, adding that it uses intermediaries to establish contact with gang leaders. 

    In Haiti, this might mean dealing with someone like Gana Ti Zile, whose nickname means “small island” in Creole. He is a member of the G-Pep gang in the Brooklyn neighbourhood of Cité Soleil, a sprawling shantytown of some 400,000 people near the capital’s port where gang activity has been a fixture for decades. 

    Gana Ti Zile said he has acted as an intermediary to facilitate access for Concern Worldwide, an aid group that has long worked in Haiti.

    “Once you have a connection inside Cité Soleil, and you meet with us, we consider you a friend,” he told The New Humanitarian in December. “Whoever wants to come and work inside Cité Soleil and wants to help, we are open to it.” 

    While Concern would not confirm having contact with gang members, Fiona Gannon, its regional director, said the group “works with a number of community facilitators who come from gang backgrounds in Haiti.

    “This is fully consistent with our approach to engagement in conflict settings such as the urban context in Haiti where there is a high risk of violence and insecurity,” she added. “The engagement of community facilitators ensures the safe delivery of humanitarian services and conflict-resolution programmes that aim to break down barriers between communities and to promote dialogue.”

    Another organisation working in Cité Soleil, AVSI, told The New Humanitarian that being known by local gangs for its community work had facilitated access. The Italian organisation provides psychosocial and nutritional support, and gender-based violence care for women and children.

    Even after points of contact within the gangs have been established, changes in their leadership or approach can disrupt operations, causing loss of access and months of new trust-building discussions, explained Flavia Maurello, AVSI’s programme coordinator in Haiti.

    Maurello recalled this happening in early 2021 in Village de Dieu, a shantytown in the capital, following the assassination of one of the country’s most powerful gang leaders. “Now, it’s figuring out who to talk to, and who is ruling which area,” she said.

    In December, after weeks of escalating unrest, AVSI had to temporarily close its field office in Martissant, located in what Maurello called the “death zone” – a neighbourhood from which thousands had fled violence earlier in the year.

    Mounting needs

    The knock-on effects of the capital’s gang violence are keenly felt in Haiti’s southern peninsula, which bore the brunt of the August 2021 disaster and was hit by a second earthquake late last month that killed two people and destroyed hundreds more buildings. 

    The delivery of aid to the region has been patchy due to damaged roads and bridges, but also because of roadblocks erected by gangs. 

    Normally, a few months after a disaster like the August earthquake, the need for non-food items – mattresses, tents, hygiene kits – eases, but that hasn’t been the case this time, explained Justin Colvard, country director for the aid group Mercy Corps.

    “There is still an urgent need for non-food items,” Colvard told The New Humanitarian in November. “Families are already living on a knife’s edge, and have very little margin for error. The delays presented by road blockages and fuel shortages have no doubt created delays in humanitarian assistance… it could mean a household doesn’t eat.”

    In addition to the rising needs resulting from the ongoing insecurity and a deepening hunger crisis – more than one in three people here need urgent food assistance – an uptick in the deportation of Haitian migrants has piled yet more pressure on humanitarian organisations.

    Read more → Can Haiti rebuild a food system broken by disaster, historical injustice, and neglect?

    Since September, some 16,500 Haitian migrants have been returned from the United States, while the Dominican Republic has also been cracking down, expelling some 31,000 Haitians in 2021. Many deportees have been gone for years, and return to find even more dire circumstances in a homeland now wracked by gang violence.

    Katiana Louis discovered this in November when, nine months pregnant, she went to her husband’s workplace in the Dominican Republic to deliver his lunch, only to be loaded onto a packed truck with him. Louis and her mason husband, Geslin Berno, were deported with 45 others across the border. The UN’s migration agency, IOM, said more than 150 pregnant women were deported from the Dominican Republic during the first two weeks of November. 

    The physical trauma is thought to have caused Louis to lose her baby girl two days after her return, at a hospital in Pignon, about 100 kilometres from the Dominican border. 

    “The delays presented by road blockages and fuel shortages have no doubt created delays in humanitarian assistance… it could mean a household doesn’t eat.”

    Midwives for Haiti had stopped providing maternal care at a government clinic in Madan Jwa near the border in September after a local gang terrorised staff and patients.

    “The fuel shortages and roadblocks are making it harder for us to accomplish anything – and mothers and babies are dying,” said Cléophat, the group’s country director.

    In January, a maternity unit in Léogâne, 30 kilometres west of the Haitian capital, had to close after a gang stole a newly purchased generator before demanding an extortion payment to have it returned.

    Weakened government

    Lucinda Cassagnol Laguerre, general coordinator of MOFAVIDA, a local organisation that partners with UN Population Fund (UNFPA) to provide healthcare, has to transit through Martissant every day to reach the sports centre in Carrefour where Dupain lives with the other 1,500 displaced people.

    Laguerre blames the gangs, but also the government for the mess the country is in. “The violence they are creating here is the state’s doing,” she said.

    Gangs have long been used by political leaders to exert control in Haiti, but the country’s current leader – Prime Minister Ariel Henry – seems unable to quell the violence. He narrowly escaped an assassination attempt himself in January. 

    In many areas, police are outnumbered by gang members, who have kidnapped or killed police officers, sometimes looting police stations for weapons. 

    “We try to do the maximum with the little we have, but it must be understood that security is a shared responsibility,” Garry Desrosiers, the spokesperson for the National Police of Haiti, told The New Humanitarian.

    A UN peacekeeping mission, MINUSTAH, used to provide troops to help security in Haiti, but it came to a close in 2017 after a string of controversies, including sexual abuse scandals and a cholera outbreak that killed 10,000 people after the 2010 earthquake.  

    The dangerous situation for aid agencies and the people they serve in Haiti is not expected to improve any time soon.

    Henry’s refusal to step down as acting president on 7 February, the day Moïse’s term was due to end, prolongs the political uncertainty and raises the prospect of renewed violence. No date has been set for new general elections – again, largely due to the gang violence and insecurity.

    Jessica Obert reported from Port-au-Prince, Haiti. Paula Dupraz-Dobias reported from Geneva, Switzerland. Edited by Paisley Dodds in London, UK.



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  • How Nigerian Business Owner Lost UN Contract For Not Doing The Basics- Dr Steve Ogidan

    Steve Ogidan, the founder and Chief Executive Officer of Successory Nigeria Limited has narrated how a restaurant owner lost a catering contract awarded by the United Nations Development Programme for not registering her business and having a bank account linked to her business.

    Ogidan shared the experience while speaking on the challenges of Micro, Small and Medium Enterprises (MSMEs) on NIPSS Policy Tv, monitored by THE WHISTLER.

    Nigeria officially has about 39.6 million Micro, Small and Medium Enterprises but a lot of them are not captured in the national records because they are not registered.

    Most Nigerian MSMEs have been unable to harness opportunities due to poor government policies and a lack of ease of doing business in Nigeria.

    A survey conducted by the Small Medium Enterprise Development Agency of Nigeria revealed that MSMEs reduced from about 41 million in 2017 to 39 million in 2021.

    The CEO said business registration and proper documentation have cost a lot of small businesses opportunities to secure contracts and funding that would help them expand.

    Ogidan narrated, “I was doing training for the United Nations Development Programme in Niger State. Because of the structure of the UNDP governance, they said they would pay me the cost of the training as a consultant but the cost of feeding the participants for the three weeks of training will be paid directly to the restaurant that provides the food and I said I had no problem with that.

    “Meanwhile, any time I go to Nigeria State for this training, I always get a restaurant caterer that provides food for them and by the time I called the lady to bring her tax papers and registration papers for us to submit to UNDP, she has no registration paper and bank account.

    “How can UNDP pay you without a bank account? Incidentally, the person who got the contract has no restaurant. All she has was a registration paper, the tax paper and a bank account and she got the contract and now outsourced the business again to the person who can do it.”

    Ogidan believes that the Nigerian government has contributed to the failure of small businesses through complex registration procedures and difficulty in securing a Tax Identification Number and multiple taxation.

    The consultant argued that a major support strategy that the Nigerian government should adopt is making it easy for SMEs to be able to register their businesses.

    Ogidan said a business that is not registered ‘does not exist’ officially in government, adding that a seamless registration process would encourage MSMEs and help the government to keep track of their activities.

    “The Federal Inland Revenue Service should be able to give them their Tax Identification Number with ease so that they will be recognised.”

    Aside the ease of registration, the CEO also said that the government has not done enough to help MSMEs to secure cheap loans through microfinance banks.

    “Government is not doing enough; microfinance banks are there and they are not getting support. When the microfinance policy for Nigeria was designed, the original plan was that the government would give wholesale loans to microfinance banks for them to be able to reach out to MSMEs in rural areas,” he said.

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  • Where are California’s most affordable homes? – Paradise Post

    ”Survey says” looks at various rankings and scorecards judging geographic locations while noting these grades are best seen as a mix of artful interpretation and data.

    Buzz: If you want a quasi-affordable California home, look far from the coast and the big cities.

    Source: My trusty spreadsheet reviewed third-quarter homebuying affordability stats for 578 big US counties – including 35 California counties, compiled by ATTOM, a real estate data provider.

    Topline

    First, we ranked the counties on pricing, purchasing power and historical affordability. Then we combined those scorecards.

    And, drumroll please … Butte is California’s bargain county. It’s far to the north and home to Chico and the Oroville Dam.

    The next county for affordability was Imperial, followed by Humboldt, Tulare and Fresno.

    The least affordable county, by this math, was Santa Cruz, Monterey, Orange, San Diego and Alameda.

    Details

    Let’s get inside those county rankings, noting that there’s plenty of “art” involved in homebuying affordability math.

    Pricing: What does it cost?

    Tulare County house hunters have it best, in California terms, with a $338,000 median home price that requires an annual income of $83,000 to qualify for a loan with 20% down at prevailing rates and a 28% debt-to-income ratio.

    Next was Kern’s $340,000 median, which requires an $86,000 annual income, followed by Imperial’s $355,000 ($87,000 income), Kings’s $359,000 ($89,000), and Butte’s $385,000 ($95,000).

    • ECONOMIC NEWS: What’s the big trend? Should I be worried? CLICK HERE!

    The costliest: Santa Clara County’s $ 1.48 million median requires a $358,000 annual income. San Mateo’s $ 1.47 million requires $356,500 while Marin’s $1.3 million requires $325,500. In San Francisco, the median $1.29 million home requires $319,500 in income, and Santa Cruz’s $1.17 million requires $283,500.

    Contrast that to the typical American buyer who paid $319,950 for a home that required $88,000 in pay.

    Purchasing power: The gap between estimated payments and wages.

    Kern County buyers are in the best shape. The typical mortgage payment,  $2,008 a month, would eat up just 43% of the $4,681 average local wage. Next was Sacramento at 46%, then Tulare, Imperial and Kings counties at 47%.

    At the other end of the affordability spectrum, there’s Santa Cruz County. Mortgage payments of $6,614 equals 123% of the $5,390 local wage. That the widest spread in the nation among the 578 US counties tracked by ATTOM

    Next lowest by this California affordability yardstick was Monterey at 101% – ranking third-highest nationally. Marin at 100% (No. 4), Orange at 95% (No. 6), and San Luis Obispo at 94% (No. 7).

    Yes, homes in these counties create payments that would gobble up a worker’s entire paychecks. That why two incomes – and we’re talking good salaries, too – are a minimum need to be homebuyers in these communities.

    Note that the typical nationwide house payment of $2,053 claimed 39% of what a common US worker makes – $5,935.

    Historical affordability: How today compares with norms dating to 2005.

    San Francisco County is the only one of the 35 California counties with affordability above its 18-year average.

    • REAL ESTATE NEWSLETTER: Get our free ‘Home Stretch’ by email. SUBSCRIBE HERE!

    An 8% improvement largely reflects San Francisco’s cascading home values, which are down 15% from their recent peak. Only one of the 578 US counties had a bigger improvement – Illinois’ tiny Macon County.

    Next in California was San Mateo, with affordability 8% below average. Marin was 15% below, Humboldt at 17% below, and Butte at 18% below.

    Affordability in Monterey and San Bernardino counties look historically the worst at 33% below their norms. Then comes Riverside and Kern at 32% below.

    Nationally, affordability’s hurting, too, off 31% from the US average.

    Bottom line

    Look what the pandemic era did to California house hunters as both prices and mortgage rates soared.

    The median house payment in the 35 counties was $3,658 in the third quarter. That’s up 68% since the end of 2019 – when few knew what coronavirus was.

    California’s highest payment among the counties was $8,351 (Santa Clara) – up 49% since 2019. But the low payment of $1,931 (Tulare) reflects an 81% increase.

    So California “bargains” are getting far pricier.

    Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com

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  • ‘The invisibles’: A Cuban asylum seeker’s dangerous odyssey

    Migrants queuing in May 2021 for dinner at the Jesús El Buen Pastor shelter in Tapachula, Mexico, where they are forced to wait for months before being allowed to proceed northwards. (Jordan Stern/TNH)

    When migrants and asylum seekers reach Mexico, they have to announce themselves to authorities or risk being detained or deported. The migrant population once again becomes visible in large numbers, especially in small border towns in some of the country’s poorest states.

    Arrival here may mean waiting for months for documentation – both for refugee status within Mexico and permissionto head to the US border – before being allowed to continue northward. In the interim, employment opportunities are virtually nil.

    Tapachula, where many migrants and asylum seekers find themselves legally stranded, is blisteringly hot. During the day, thousands wait endlessly in the shade, clutching identical translucent plastic envelopes stuffed with application papers or wearing their passports around their necks. Most possessions can be replaced, but the immigration papers contained in those envelopes are priceless and never leave their side.

    None of the new arrivals want to be in Tapachula, but the town has become the de facto holding ground for migrants from Central America and beyond. Those attempting to leave the region while their cases are being reviewed may end up at Siglo XXI, Latin America’s biggest migrant detention centre, notorious for overcrowding and allegations of detainee abuse.

    In 2021, Mexico detained over a quarter of a million migrants, the majority in Tapachula. According to the law, migration cases for detained foreigners should be resolved in 15 working days, but that provision was extended to 90 due to the backlog, and some migrants report waiting even longer.

    As a result, many give up plans to continue north and decide to apply for asylum in Mexico. Asylum claims in Mexico reached an all-time high in 2021 of over 130,000. Detentions and deportations of migrants also skyrocketed, according to government statistics.

    Mexico’s southern border states of Chiapas and Tabasco have been unable to cope with the soaring number of asylum applicants, most of whom stay in the border cities, explained Adam Isacson, of the Washington Office on Latin America (WOLA). “COMAR (the Mexican migration service) doesn’t have the resources or the personnel to handle this,” Isacson said. “They are overwhelmed.”

    UNHCR has programmesdesigned to help those who decide to stay in Mexico regularise their migration status, find work, and obtain housing, but it’s a process that takes time, and the agency’s workers in southern Mexico are unable to assist everyone.

    Spindler said the organisation had requested more resources from both the US and the UN to deal with the increased demandin the region – not only to assist the increased numbers of migrants heading northwards, but also deportees sent back by the US.

    After being robbed in Costa Rica and narrowly escaping detention in Nicaragua – he only avoided it by bribing a border guard – Will eventually managed to cross into Mexico from Guatemala, where he made contact once again.

    Although Will did manage to avoid Siglo XXI – a slice of good fortune other migrants in touch with The New Humanitarian did not share – he was still left languishing for weeks, awaiting Mexico’s labyrinthine bureaucracy, like virtually all his fellow travellers.

    “I am opting to apply for the humanitarian visa, but they told me that I cannot leave the state with the humanitarian visa,” Will messaged from Palenque, in northern Chiapas. “It doesn’t matter. If they give it to me, I will take off and go from here to there.”

    While cases are reviewed, migrants are prohibited from leaving the department in which they filed their claim.

    Ongoing protests by migrants in southern Mexico demanding the right to work and continue north have further strained difficult relations with local residents, leading to a rise in anti-immigrant sentiment.

    Locals often complain about increasing crime rates, being “overrun” by migrants, and how Tapachula has changed for the worse.

    Graver risks from drug and criminal gangs are also ever-present.

    “There is no work here,” Will said from Palenque. “Just gangs, organised crime, hunger, and xenophobia.”

    One of Will’s travel companions was kidnapped shortly after his arrival in Mexico. For three days, he heard nothing and assumed he had been killed. Will then learned that the kidnappers had in fact released his companion after securing money from the man’s relative in the United States.

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  • ‘We’re All Dead People That Haven’t Died Yet’ — CJN Ariwoola Speaks At Late Justice Nweze’s Valedictory Session

    The Chief Justice of Nigeria, Olukayode Ariwoola, has eulogized the life and works of the late Justice Chima Centus Nweze of the Supreme Court of Nigeria who died on Sunday, July 30, 2023, reminding attendees that they would die someday.

    Ariwoola spoke about his deceased brother Justice during the valedictory session held in his honour at the main courtroom of the Supreme Court on Tuesday.

    Ariwoola described him as a man of impeccable character, a legal icon, indomitable lion in the temple of justice.

    The CJN said the judiciary was consoled by the indelible footprints Nweze engraved on the sands of time, reminding attendees to be properly guided as they would depart the world someday.

    “Your death has, once again, made us realize that out of the several people that ever lived, almost all of them are dead now.

    “In reality, we all are just dead people who haven’t died yet. Nevertheless, we have always found solace in the belief that as a well-spent day brings happy sleep, so does a well-used life, bring happy death.

    “Rest well in the bosom of your creator, our dear brother Justice,” Ariwoola said.

    On his part, the Attorney General of the Federation, Lateef Fagbemi SAN, represented by the Solicitor-General of the Federation, Mrs Beatrice Jeddy-Agba, said the late Justice devoted his time to the just application of relevant laws.

    “For the late Nweze, life was all about service, ” the AGF said through the Solicitor General.

    THE WHISTLER reports that Nweze (65), who hails from Enugu State, was the judge who delivered a controversial judgement of the apex court affirming former Senate President, Dr. Ahmad Lawan, as the All Progressives Congress senatorial candidate for Yobe North.

    Nweze was also the only judge who stood his ground against a majority decision of the apex court which had declared Hope Uzodinma the winner of the Imo state governorship election in 2019.

    According to the Supreme Court data, “Nweze was sworn-in as Justice of Supreme Court on 29th October, 2014 and was born in Obollo, Udenu Local Government Area of Enugu State on 25th September, 1958.”

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  • Can Cleveland Browns pull an upset at home?

    SANTA CLARA – Another week, another challenge to Nick Bosa’s reign as the NFL Defensive Player of the Week.

    But who is the bigger threat this Sunday, the Cleveland Browns’ pass rusher Myles Garrett or 49ers’ linebacker Fred Warner?

    Garrett registered 5 ½ sacks and 13 quarterback hits before the Browns (2-2) retreated to their Week 5 bye. The 2017 draft’s No. 1 pick is expected to play Sunday despite leaving last game in a walking boot for a foot injury, Cleveland.com reported.

    Warner is coming off prime-time stardom for the undefeated 49ers (5-0). The two-time All-Pro linebacker produced a forced fumble, a sack and an interception in Sunday night’s 42-10 home win over the Dallas Cowboys.

    Warner downplayed award chatter after that game. As for last year’s honors, Garrett finished fifth to Bosa; the runner-up was Dallas’ Micah Parsons, who didn’t touch the 49ers’ Brock Purdy on Sunday night.

    Bosa has 1 ½ sacks and 14 quarterback hits this season. (The Steelers’ T.J. Watt has a NFL-best eight sacks, 15 hits.)

    In Bosa’s only previous game against the Browns, he tormented then-quarterback Baker Mayfield with two sacks, a forced fumble and a fumble recovery in the 49ers’ 31-3 win Oct. 7, 2019 on Monday Night Football.

    Enough about defensive superstars. Onward for this Week 6 preview:

    FIVE TOP STORYLINES

    1. BROWNS QUARTERBACK: Even after a bye week, Deshaun Watson missed Monday’s practice to give his “bruised” throwing shoulder more rest. Playing in his place last game was rookie Dorian Thompson-Robinson, a UCLA product who threw for just 121 yards on 36 attempts, three of which were intercepted in a 28-3 home loss to the Ravens .

    2. GUARD UP OR DOWN: Injuries to starting left guards bear watching, with the 49ers’ Aaron Banks (shoulder) and the Browns’ Joel Bitonio (unspecified; reportedly was on crutches last week). Banks has a shoulder sprain rather than a more serious biceps injury. Of the 49ers’ past 25 games, Banks has started all but the January’s regular-season finale (knee). Jon Feliciano replaced him for most of Sunday’s second half. Bitonio has made 102 straight starts. The Browns also could be without starting center Ethan Pocic (knee, chest).

    3. DEFENSIVE SURGE: Could the 49ers defense actually be getting stronger by the week? Yielding a league-low 13.6 points per game, that group will add pass rusher Randy Gregory to the mix, after his trade Friday from the Denver Broncos. Another signal of a red-hot defense: Four takeaways Sunday from the Cowboys.

    4. QUICK STARTERS: Coach Kyle Shanahan’s opening scripts are producing points aplenty. The 49ers have scored four touchdowns and a field goal on their opening drives. He insists the urgency to score exists from their first drive to their last. “They’ve done a good job, and when things haven’t worked that clean, we’ve been able to make some key third downs that keep us on the field,” Shanahan said. “That’s usually the key to leading to points.”

    5. RUSHING STAR: The Browns lost star running back Nick Chubb to a season-ending knee injury in Week 2, and among those issuing social-media prayers was the 49ers’ Christian McCaffrey, who’s led the NFL in rushing after each of the five weeks. McCaffrey (510 yards) is looking to score in his 15th straight game. Cleveland’s Jerome Ford has one touchdown in 50 touches, and Kareem Hunt hasn’t offered much (10 carries, 25 yards).

    LAST MEETING

    The 49ers’ 31-3 win Oct. 7, 2019 on Monday Night Football, with a rookie Bosa celebrating by planting a 49ers flag in the end zone to taunt Mayfield. Jimmy Garoppolo threw two touchdown passes and Matt Breida scored two touchdowns. Mayfield passed for 100 yards. Odell Beckham Jr. was active (pass, two catches, two runs, punt return) but didn’t hurt the 49ers.

    SERIES HISTORY

    The Browns have won 12-of-20 meetings dating to 1950, and the 49ers have won only 2-of-9 trips to Cleveland. The home team has won the past four games, and the last victorious visitors were the 2003 Browns at Candlestick.

    LAST VISIT

    Shanahan’s third and final win as the 2015 Browns’ offensive coordinator came in 24-10 fashion over the Jim Tomsula-coached 49ers on Dec. 13, 2015. It was Browns quarterback Johnny Manziel’s second and final NFL victory (270 yards, touchdown, interception).

    TIGHT END ENCORE

    George Kittle is coming off a career-high three touchdown catches, after getting shut out the first four games. Browns counterpart David Njoku sustained burns on his hands and face in a firepit accident 1 ½ weeks ago.

    OPPOSITE RECEIVERS

    The 49ers are getting production from a bevy of receivers – Kittle, McCaffrey, Brandon Aiyuk and  Deebo Samuel – while the Browns aren’t getting much from theirs. Amari Cooper has a team-high 18 catches (259 yards, one touchdown), followed by Elijah Moore (17 catches, 148 yards) and Njoku (16 catches, 138 yards). Former 49er Marquise Goodwin has caught 1-of-4 targets for no yards in 34 snaps.

    BYE IMPACT

    The Browns were among four teams to draw the NFL’s first round of byes. Their coach, Kevin Stefanski, is 2-1 after a week off, that loss coming last November when the Miami Dolphins (coached by Kyle Shanahan disciple Mike McDaniel) racked up 491 yards in a 39-17 win. The 49ers’ bye comes in Week 9.

    TICKETS

    Getting a seat for under $100 to an NFL game? That is what the resale market appears to be offering — on Vivid Seats. StubHub, SeatGeek, TicketCity and TicketMaster.  By the way, if you’re looking to hit up the 49ers’ owners for tickets because they live in nearby Youngstown, give them a break and save that request for, say, February.

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