hubreb

In the TN you have sports split between public and private, with public have several size classifications and private having big, medium and small.

Over the years all of the private schools have been accused of recruiting to some level by the public schools, it appeared to be true. Over the last few years the two big private schools in Chattanooga and one in Nashville have started recruiting nationally. They have just been dominating the private big league in football since this started. With that, the two biggest private schools in Memphis and two in Nashville have announced they are leaving the league for at least the next two years and will play as independents. This will drop the division from 12 to 8 teams State wide. It's causing a big mess in the private school sports world because by rule classification is the top 12 biggest private schools so not smaller schools will replace them and get beat even worse by the 3 national recruiting schools. Then you have the issue of teams from West TN playing in East TN and vice versa for regular division games - 6-7 hour drives.

I know this has to be an issue in every state to some extent. Seems like a while ago Evangel or maybe John Curtis had something impact them for being accused of recruiting - and I know GA has some big boarding schools that do what the TN Chattanooga schools do.

How have your states resolved these issues, combining public and private - make the recruiting schools play as independents?

In that game they were as bad as what we had, Dottery sucks he makes tackles but look where they are, Princewell was lite last year and only played passing downs because he was targeted...if he is bigger like his brother now then it would have helped

Flight Aware

The ones in the lower level teams are playing equivalent of club, college ball...they don't have HS or college basketball

Have a buddy that did the exact same thing, he was tiny 5'6ish and married a 6'3ish girl who played basketball at KY. His son was 5'10 and daughter 5'9...fixed the genes in one generation.

They can send to collections, kid had emergency room visit and they kept him overnight. Got multiple really high bills, and insurance hadn't been applied-and was told to wait to pay. Two months later bills come in really low except 1, paid the smaller ones and figured id get lower for the other. Thought it was over and then started getting calls from what i thought was a spammer - answered phone a few weeks into it and it was collections. Turned out that portion of bill was never sent to insurance.

The dad



The perp

from WSJ article

But if a borrower later defaults, taxpayers are on the hook. Early in the pandemic, as mortgage rates plunged, lenders competed for business by easing underwriting standards. When interest rates rose in 2022, lenders further eased their standards. This let them make mortgages to borrowers who wouldn’t have otherwise qualified based on their incomes.

By late 2022, 70% of FHA borrowers had debt-to-income ratios exceeding 43%, which is generally considered risky. That’s up from 28% in 2012 and 60% before the pandemic. As inflation started to bite, defaults increased. About 15% of FHA borrowers who took out a loan between June 2021 and March 2024 fell seriously delinquent within a year.

To prevent foreclosures, Joe Biden’s regulators used the FHA insurance fund to cover arrears of struggling borrowers and offered to reduce their monthly payments by up to 25% for three years. The reprieve reduced foreclosures, but it magnified moral hazard by encouraging lenders to make riskier loans, knowing the government would rescue borrowers.

A case in point is UWM, which expanded its FHA lending after the housing market stalled. The result: more defaults. According to FHA data, 21.5% of UWM mortgages over the last two years fell seriously delinquent within a year of origination, compared to roughly 11% of its loans in 2022 and 2023.

Remarkably, 12 mortgage lenders have even higher one-year serious delinquency rates for recent mortgages, including Ages Mortgage (27.3%), Top Flite Financial (24.5%) and Loan United (23.7%). Most of these lenders also make loans that are guaranteed by Fannie and Freddie, so the FHA data could signal problems in loans guaranteed by the two GSEs.

A sample of FHA mortgages recently reviewed by the Housing and Urban Development Department found 76% contained a defect, up from 67% in late 2024. This could reflect stepped up scrutiny by the Trump team as well as eased underwriting. Foreclosures remain low, but that’s because the FHA continues to cover missed payments for borrowers who default.

Charlie and Benedict had to be a couple million

i hunt in Tensas too, and we are covered up with bears....i'd say 10% are tagged

have also heard of a game biologist filming a bear den in the tensas refuge that had a sow and cubs and that the sow brought back several fawns to the den