IMCA.com is BACK!

first_imgWe apologize to our fans, drivers, and sponsors for a major website outage over the past week. Unfortunately our entire site was lost due to a server malfunction and we had to build it from scratch. We have restored the major features of the website and will continue to update throughout the week of the 2013 Speedway Motors IMCA Super Nationals fueled by Casey’s General Stores and after. Thanks for hanging with us and we hope you enjoy the new website.last_img

Fiammetta: Enthusiastic postseason hopes simply illusions

first_imgCOLUMBUS, Ohio – Wisconsin’s first trip to Ohio Stadium since 2009 was so cruel to the Badgers that you’d have to wonder if some sort of karmic revolt conspired to shatter the hearts of Bret Bielema & co. one more time.In the span of one week, the Badgers have plummeted from a team with national title aspirations, and a quarterback with Heisman Trophy hopes, to one wondering how far it can sputter with the wheels fallen off and the season having taken the worst possible turn.But for all the misery that, for whatever reasons, struck a team and a fan base so gosh-darn happy to finally have a seemingly elite squad that would once again carry Wisconsin to the BCS promised land, there are very clear reasons why it was all a flash in the pan. The Badgers, for all their sheer brilliance through the season’s first six games, are simply not as good as everyone thought.It was absolutely so exciting for Wisconsin to get behind Russell Wilson and drive the RussellManiaXVI Heisman campaign, and the fact that a Rose Bowl berth was suddenly designated as Plan B is a resounding testament to the progress this program has made over the past two years.And while a return trip to Pasadena remains scarcely feasible, the Badgers’ first two true road tests of the season proved that this team just wasn’t ready for actual upper-echelon status. Calling them “fraudulent” is likely a bit excessive – they did fall by a combined 10 points in two of the toughest environments in the country – but the Badgers showed over the past two weeks that all the illusions of grandeur envisaged in Madison really were just illusions.The statement reeks of clich? over-simplification, but to a great extent, it’s true – legitimately great teams win on the road. Squads “destined” for postseason greatness do not allow two blocked punts in back-to-back weekends, on the road in the heart of the Big Ten schedule. Teams that finish atop conference standings and computer rankings follow up on quick starts; they don’t get outscored 26-0 in the second quarters of two games after opening the first quarters with 21 unanswered points.The realizations discovered Saturday night in Columbus are harsh, and the numbers only bolster their sting. Wilson finished 20-of-32 for 253 yards, three touchdowns and zero interceptions, but he missed more throws than he had in any game (as a Badger) to date. Montee Ball, despite finishing with a 5-yards-per-carry average, was held to just 85 yards and one touchdown rushing and receiving respectively. Wisconsin’s rushing attack as a whole mustered only 89 yards, the first time the Badgers have failed to eclipse the 100-yard mark since Nov. 21, 2009, at Northwestern.Wisconsin even exited Ohio Stadium with a plus-one turnover margin, though its greatest miscue – the blocked punt in the third quarter – proved more critical than any negative play from Ohio State. The blunders committed by the Badgers over the past two games have been so monumental that it’s a wonder they were able to mount desperate comebacks not only once, but twice.That speaks to the unmistakable talent on this team, but it also highlights a sizable void that, until it’s filled, will bar Wisconsin from maximizing its potential. The Badgers lost so much following the Rose Bowl – J.J. Watt’s mesmerizing ability to produce in the biggest moments and his sheer willpower, as well as the aggressive leadership on and off the field of Gabe Carimi and John Moffitt – that it’s kind of a wonder national title hopes once seemed so genuine.The abrupt fall from grace normally would provoke questions regarding the leadership on this team, but even the most brief look at Wisconsin’s four captains seems to debunk them. Wilson, though far from perfect against the Buckeyes, put the Badgers firmly in the national title picture and very nearly avoided this midseason collapse with two stellar late, late comebacks on the road. Bradie Ewing, reliable as ever, played one of his finest games in Columbus, providing a tremendous safety blanket for Wilson in the passing game in addition to usual well-rounded contributions. Aaron Henry and Patrick Butrym continue to lead as necessary and produce without much fanfare, though they’ve clearly anchored their respective positions.Perhaps a different picture has unfolded behind the scenes, in the locker room, than the one that’s been painted under the spotlight of the media. Speculating any further is an injustice to a team that nevertheless has put itself in position to have something to play for in November and December. With some help – and/or further chaos in the Big Ten – a trip to the conference title game in Indianapolis is indeed still possible, though the Badgers absolutely must win the remainder of their games.So many questions were born Saturday night, and a few more answers likely would provide a little relief for a fan base that is aching for some. With that said, the most concrete takeaway from this weekend is obvious. For all the promise this season appeared to hold, the Badgers were just not for real.Mike is a senior majoring in journalism. Where does this team go from here? Share your thoughts with him on Twitter @mikefiammetta and be sure to follow @BHeraldSports for all the latest Badgers news.last_img read more

What to Do If Your Wages Are Being Garnished for Student Loans

first_imgYou’re doing the best you can with your money situation, but somehow, you’re still barely staying afloat. Besides staying on top of your bills, you might have a mountain of debt to pay off — student loans, credit cards, and car payments. And maybe, because you’ve been struggling for some time, you’ve defaulted on your student loans.The scary thing is that when it comes to your federal student loans, the government has a lot of clout and special ways to get the money that’s owed to them — like garnishing a portion of your wages without a court order, taking some of your tax refund, and even claiming a percentage of your Social Security benefits.Yes, it’s scary. If you’ve defaulted on your student loans and are at risk for having your wages garnished, know that your back isn’t up against a wall. There are options to stop it from happening. But first, a quick overview:What Is Wage Garnishment? Typically, wage garnishment for your student loans happens when you’ve missed your student loans for nine months, and they go to default. When this occurs, the government has the right to take a percentage of your wages to repay the loan.“Some people think that a wage garnishment means a lender can take the borrower’s entire paycheck,” says Adam Minsky, a student loan lawyer based in Boston and New York. “In most cases, the lender can only take a portion of the borrower’s pay. The specifics depend on whether the student loan is federal or private, and may also depend on the governing state law.”For instance, in California the government can take up to 25% of your wages, or half the difference between your take-home pay and the federal minimum wage, whichever is less. In the state of New York, wage garnishment is the lesser of the two: up to 10% of your gross pay, or 25% of your take-home pay.Here’s what you can do to dispute garnishment:Request a Hearing You can request a hearing to state your case as to why you don’t think you need to repay the loan. As Minsky explains, federal student loan borrowers have a right to request a hearing on the garnishment, and they can also try to resolve the default through a rehabilitation plan — which we’ll get into in just a bit.“For private student lenders, there might be defenses that one can raise in response to the garnishment,” says Minsky. “But it’s fact-specific: Most garnishment actions for private loans will take place via state courts.” To see if it makes sense for you to request a hearing, you’ll want to talk to a legal professional, such as an attorney who specializes in student loans.Look Into Loan Rehabilitation With a loan rehabilitation, you’ll need to make nine consecutive on-time payments within 10 months. After you make five payments in a row, the government stops garnishing your payments. The good news is that the payment amount doesn’t have to be the same amount as your monthly payment before you defaulted — you can request lower payments so they’re more affordable.See If You’re Eligible to Cancel Your Federal Student LoansUnder special circumstances, you might be able to have your federal student loans canceled. For instance, if your school shut down within 120 days of you leaving, your federal loans could be canceled. Or maybe you stopped attending and are owed a refund. You might also be able to cancel your student loans if you didn’t have a GED or high school diploma when you attended the school, and the school didn’t do its due diligence to verify that you had graduated high school.What’s more, some or all of your federal student loans might be discharged if your school violated a law, or misled you in some way. You might also have your student loans canceled if you become totally and permanently disabled.To see if you’re eligible for having your federal loans discharged, you’ll need to submit the required paperwork directly to either the Department of Education, the debt collections agency, or the loan servicer. You can also try to make a go of it on your own and file a dispute. The Debt Collective has some useful information and tools to help you file a dispute.Get Out of Default To get your loans out of default, you can reach out to the Department of Education or whichever party oversees your debt collections. You can check the Department of Education’s National Student Loan Data System (NSLDS) to gather information about your loans. You might want to consider consolidating your loans, which means lumping all your federal loans into a single one. In turn, you only make one payment. However, if your wages are currently being garnished, you won’t be able to consolidate your debt.You might also want to consider reaching a settlement to pay off your student debt. It might prove tricky to land on an amount that is a win-win for both parties. What’s more, you’ll most likely need a sizable chunk of money to offer as an initial payment.Avoid Going Into Default in the First Place Of course, avoiding defaulting on your student loans at all would be best. Look into your student loan repayment options to see which ones you qualify for, and which ones would be the best fit for your situation. You might also want to look into refinancing and see if you qualify for public service loan forgiveness. By fully exploring your options, you’ll have an easier time making your payments and can steer clear of defaulting altogether.If you’ve defaulted on your student loans, know that you can take steps to avoid the government claiming a portion of your take-home pay. By knowing your options and doing a bit of homework, you can prevent wage garnishment from happening. If you have specific questions, seek counsel from a student debt specialist or legal professional.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedWhat You Should Know About Student LoansApril 25, 2019In “Student Finances”What Every Student Should Know About Student LoansSeptember 18, 2018In “Student Finances”Student Loans Explained: WTFinanceAugust 12, 2019In “Financial IQ” Post navigationlast_img read more

Antibioticresistant strain of salmonella sickens people in 29 states including Florida

first_img(WSVN) – Ninety-two people have been infected by an antibiotic-resistant strain of salmonella in 29 states, including Florida, according to the Centers for Disease Control and Prevention.Epidemiologic and laboratory evidence indicates that many types of raw chicken products from a variety of sources are contaminated with salmonella Infantis and are making people sick.According to the CDC, 21 people have been hospitalized. No deaths have been reported.Those who have fallen ill reported eating different types and brands of chicken products purchased from many different locations, according to researchers. The outbreak strain has been identified in samples taken from raw chicken pet food, raw chicken products and live chickens.A supplier of the raw chicken products or of the live chickens has not yet been identified.The CDC fears the outbreak could be widespread in the poultry industry because the strain is present in live chickens and in many types of raw chicken products.Experts said you should always wash your hands when handling raw meat or poultry because poultry can spread germs any time you handle it. The CDC said you should not wash chicken before you cook it, as doing so can spread germs to other surfaces. Any surfaces that have come into contact with raw meat should be wiped down and use a separate cutting board. Cook chicken to an internal temperature of 165 degrees Fahrenheit to kill harmful bacteria. The following states have reported illnesses:Copyright 2019 Sunbeam Television Corp. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.last_img read more