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College Basketball Picks Against the Spread: AAC Games Today, December 14About 30 friends crowded around four tables last month at Gus and George’s Spaghetti and Steak House in Virginia Beach chatting about when gas tanks could be filled for less than a dollar. As they waited on their lunches of fried fish and burgers, they remembered when Lucille Ball was all the rage, their parents preached patriotism and they were living in the empire of post-World War II America. The octogenarians graduated from Willard Elementary School in Norfolk around 1956 — some the year before, others a few years later — and gather each year for a reunion. The America they knew as boys and girls is gone, said reunion founder Catherine Rutter, but they still have each other. Rutter, 80, who now lives in Kill Devil Hills, left Virginia after graduating and spent a career working for telephone companies in Washington, D.C. She never lost touch with Dorothy Aksteter, whom she met at Willard and grew up with in the neighborhoods close to Fairmont Park. When Rutter moved to Carolina in 2001, Aksteter started flying from Minnesota every other year to visit. “And it wasn’t until about 2010 that I got my ‘bright idea,’” Rutter said. “I told Dorothy, ‘Let’s see how many of our classmates I can get together.” Rutter told Aksteter to think of how fun it would be: “‘We could go to Doumars!’” She researched for weeks at a familiar girlhood haunt, the downtown branch of Norfolk Public Library, where she once read away lazy, long and sleepy hours on summer breaks. In the stacks as an adult, she copied down names from yearbooks and school histories, combed city directories and pored over newspaper obituaries. That many of the Willard girls no longer used their maiden names made the quest trickier. In 2010, she and Aksteter met several friends at Doumar’s Cones & Barbecue before heading to Temple Baptist church’s social hall. There 23 people became that first Willard Elementary School reunion. Even more people came the next year and more still in 2012. Most people still lived close to home. Snooky Murden, whose father owned the Murden’s Drug Store chain, was there. Judy Commings Welch, who ended up working for Norfolk Public Schools and built a reputation as a veteran line dancer at The Banque, started coming too. So did Marjorie Joynes, who works at Regent University Library, and Sidney Skjei, who’d joined the Navy, and former Elizabeth City mayor, Steve Atkinson. In 2017, the group had grown so large that the reunion moved to the Virginia Beach steak house where they still meet. The group has reached a tipping point and the number of attendees shrinks each passing year. Last month, retired Chesapeake city attorney Ronnie Hallman sat at the table talking about which of his friends beat him at the spelling bees. “It was a good time back then. No crime. No mufflers. Well, I mean, the mufflers they had didn’t really filter out anything — a lot of carbon dioxide,” he said with a laugh. “I guess that’s why we’re so crazy.” The rest of the table laughed too as the food was served. The meandering talk leaped from lost, youthful looks, to lost parents and friends not yet forgotten. 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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.
NoneAuthored by Lawrence Wilson via The Epoch Times (emphasis ours), The 2024 presidential election may be remembered as the moment Americans abandoned the issues that defined the post-Cold War era and formed new political coalitions based on class, some experts say. President-elect Donald Trump solidified his hold on the working class in his second electoral victory, even as voters with higher incomes and education levels moved to the left. Whether those shifts will be permanent depends largely on how both parties respond to the emerging politics of class, according to analysts. Some believe Democrats can recapture their historic working-class base by listening to the voters who have been drifting away from their party for a decade and crafting a new liberal vision based more on class than on race, gender, or social issues. Republicans, on the other hand, might keep this new party configuration together if they deliver on the promises that won the majority while forming a governing philosophy based on Trump’s America First agenda without alienating traditional Republicans of the Reagan-Bush era. Here’s what happened in 2024 and what it means for both parties. The composition of the major political parties has been shifting since 2012, but that shift reached a tipping point in 2024. The movement was seen most clearly in working-class voters, who supported Trump in even greater numbers than in 2016 and 2020. Analysts commonly use education and income levels as indicators of class identity. By both measures, working-class voters across racial lines shifted right. College graduates favored Republican candidates in every election from 1988 through 2004. That began to change in 2008 when President Barack Obama earned 50 percent of the college vote . The shift accelerated in 2016 when Democrats gained 55 percent of the vote among college graduates and held a majority for the next two elections. In 2024, 53 percent of voters with a Bachelor’s degree voted for Harris, as did 59 percent of those holding an advanced degree, exit polls showed. Over the same period, voters who never attended college, a traditional mainstay of the Democratic coalition, increasingly voted Republican. In 2016, 46 percent of voters having a high school education or less voted Republican, which was consistent with the two previous election cycles. By 2024, the number of Republican voters who never attended college had risen to 63 percent, the polls revealed. A similar migration occurred in terms of income. In 2012, 60 percent of voters with household incomes less than $50,000 voted Democrat. By 2024, that number had dropped below half. At the same time, a majority of voters from households earning more than $100,000 per year favored the Democratic candidate for the first time since the data was tracked in 1988 . The Republican share from this group in 2024 was 46 percent, the lowest ever. Minorities’ support for Democratic candidates has been strong since the 1970s, reaching a high point in 2008 with the election of Obama. Since then, however, the dropoff has been significant, especially among black and Hispanic men. Support for Democrats by black voters fell from a high of 95 percent in 2008 to 85 percent in 2024. The drop was greatest among black men, 77 percent of whom voted for the Democratic candidate in 2024, the same percentage as in 1972. Black women, the most reliable Democratic voters, voted 91 percent for Vice President Kamala Harris, 5 percent lower than for Obama in 2008. Hispanic support for the Democrats hovered around 65 percent for over 40 years. In 2024, the level dropped by 13 percentage points. The decline was more pronounced among Hispanic men. Just 43 percent of them voted Democratic this year, a lower percentage than that of white women. Asian voters supported the Democratic candidate by 73 percent in 2012. That number dropped steadily over the next three cycles, reaching 54 percent in 2024. Muslim voters, 74 percent of whom had supported Democrats in 2016 and 69 percent in 2020, all but abandoned the party in 2024, according to exit polling conducted by the Council on American-Islamic Relations. That was due largely to the Biden administration’s handling of the Israel-Hamas war. Only 20 percent of Muslim voters chose Harris. In Michigan, home to the nation’s highest concentration of Muslim Americans, the number was 14 percent. Shifts in the electorate by class and race in 2024 were significant enough to create movement, if not a landslide, in regional voting patterns. The Blue Wall of industrial states, Pennsylvania, Michigan, and Wisconsin, had been solidly Democratic in presidential elections from 1992 until 2016, when Trump won all three. Though President Joe Biden rebuilt that wall in 2020, Trump again carried those states again in 2024. Trump also eroded Democratic support in traditional party strongholds like New York, New Jersey, and California . While Harris carried all three by a comfortable margin, she gained a smaller share of the vote than either Biden in 2020 or Hillary Clinton in 2016. In Wayne County, Michigan, home to Detroit, Harris drew about 38,000 fewer votes than Biden did in 2020. In Philadelphia County, Pennsylvania, Harris received about 36,000 fewer votes than Biden had. In Queens County, New York, the deficit was nearly 165,000, and in Los Angeles County, California, it was 621,000. “Harris, in Democratic strongholds in Michigan and Pennsylvania, simply underperformed Biden’s vote totals,” Ken Kollman, a professor of political science at the University of Michigan, told The Epoch Times. Though Harris still won those counties by a large margin, the erosion of support in traditionally strong democratic areas fueled Trump’s victory, according to Kollman. According to William Galston, a senior fellow at the Brookings Institution, the upshot of these shifts is that class has again become a powerful force in electoral politics. “We are witnessing the emergence of a new politics of class,” Galston said in a Nov. 12 panel hosted by the Brookings Institution. “Class, defined as educational attainment, dominates the scene in the United States and throughout the industrialized world.” This new reality undercuts assumptions that have informed both parties for decades, and experts say both will need to make adjustments before the next election. Self-reflective statements by Democrats in the wake of the election have centered on the need to listen to voters. “ The country wanted change, and the vice president’s campaign decided they would not offer that ,” longtime Democratic strategist James Carville said in a PBS interview on Nov. 13. Doris Kearns Goodwin, the historian and Democratic commentator, focused on the need to reengage the people who have given the party its strength for generations. “The most important thing that the Democrats have to take away from this loss is that they lost the working class base, and that’s been the foundation of the Democratic Party ever since FDR,” Goodwin said in a Fox News interview on Nov. 8. “I think the working class felt invisible. They felt forgotten.” David Schultz, a political science professor at Hamline University in St. Paul, Minnesota, told The Epoch Times that Democrats should talk to real working-class people. “More importantly, go out and listen to them,” he said. A likely takeaway from those conversations, Schultz said, could be that identity politics seems less important to working-class voters than basic questions of economic survival. “ Hispanics, at the end of the day, are saying, ‘We want jobs. We’re not thrilled about illegal immigration, and we want higher wages. ’” Schultz said, noting that this does not conform to the general perception of “Hispanic issues.” Gabriel Sanchez, a professor of political science at the University of New Mexico, reached a similar conclusion. “ Overwhelmingly, the economy is what Latino men have actually been talking about for three election cycles in a row ,” Sanchez said in the Nov. 12 panel discussion. That may be, in part, because Hispanics are a diverse group comprising a mix of national origins and cultures. As a result, “they do not have nearly as strong a sense of linked fate,” Aaron Dusso, a professor of political science at Indiana University Indianapolis, told The Epoch Times, referring to the sense of common identity and interests that characterizes some demographic groups. The sense of linked fate is more pronounced among black Americans, according to Dusso. Yet an increasing share of black men voted Republican in the 2024 presidential election—for a fourth consecutive time. And that was despite direct appeals to black men from both Obama and his wife, Michelle Obama, to vote for Harris based on their identity. One explanation for that shift may be that younger blacks seem less concerned with the civil rights issues of a previous generation and more concerned with economic opportunity. Lorenzo Sewell, a Detroit-area pastor who spoke at the Republican National Convention, said his decision to support Trump was rooted in disappointment with the economic results of Democratic leadership for the black community. Noting that many are routinely forced to choose between paying rent, repairing their car, or paying child support, Sewell told the Epoch Times, “We’ve had Democrats running this city for 56 years. I’m not saying Democrats are wrong. I’m just asking, ‘Where’s the change?’” Harris campaigned heavily on a promise to protect access to abortion as a civil right. Democrats had success with that issue on several state ballot initiatives after the U.S. Supreme Court’s Dobbs decision overturned Roe v. Wade in 2022. Yet in the presidential contest, Harris drew the smallest share of the women’s vote, 53 percent, since 2004. Trump, with 45 percent, received the highest share of the women’s vote by any Republican since President George H.W. Bush. “It’s a clear indication to me that, ultimately, the Dobbs decision is not going to have a political effect,” Dusso said. Read the rest here...
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