For dentist with student debt, repaying is like pulling teeth

VACAVILLE, Calif. — His jaw clenched beneath a blue surgeon's mask, Opanin Gyaami jerks his right arm and pulls out a prize: the decayed tooth of patient Larry Butler, also known as state prison inmate J22312.

By the time he is done, Gyaami's smock and mask are spotted with the inmate's blood. He gently pats Butler on the shoulder and wishes him well.

The 71-year-old dentist reports to the state prison in Vacaville day after day, long past retirement age. He wishes he could have hung up his drill and forceps years ago, but he's still paying off a student loan.

After borrowing $50,000 in the 1980s and ignoring payment notices, Gyaami owes more than $500,000 with penalties and interest. The Justice Department took him to court and is seizing $3,000 from his paycheck each month.

Gyaami doesn't expect any sympathy; he knows he's at fault and has added to his problems by falling behind on his income tax. He acknowledges he made some bad decisions along the way.

"I don't want to sound like I'm blaming someone else for my woes," he said. "If you take a loan and don't pay it, you're responsible. It became so overwhelming. I got scared, and it didn't go away."

Student-loan debt in the United States has surpassed $1 trillion. A record number of loans are in default, according to several recent reports, and lawmakers in Washington are pushing for reform to make it easier to discharge some of the debt in bankruptcy.

Although economists' concerns about this debt are typically focused on the young and newly employed, about 2.2 million Americans over age 60 collectively owe more than $43 billion in student loans, according to the Federal Reserve Bank of New York. Many of those loans are in default.

"People think they're kids, but I'd say half the people who come here are over 40, and we have a lot over 60 and some over 70," said Elena Ackel, a senior attorney with Legal Aid Foundation of Los Angeles, which often advises people with student loan debt. "It just doesn't end because of all the fees and everything."

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By the time Gyaami graduated from Loma Linda University in 1983 with a degree in dentistry, he had taken out five loans to pay for his education, including $50,000 from the federally guaranteed Health Education Assistance Loan program.

The special loan program, offered from 1978 to 1998, lent $4 billion to 157,000 aspiring doctors, dentists, podiatrists, chiropractors and other health professionals. The Department of Health and Human Services, which oversaw the loan program, reports that 935 of the borrowers are in default, owing $115 million collectively.

After graduation, Gyaami owed about $100,000 and made monthly payments to Loma Linda, none of which was applied to the $50,000 loan. Those payments, he later discovered, should have gone directly to the bank that issued the loan.

When late notices started to arrive, Gyaami ignored them. "There was nothing I could do about it," he said. "I was behind with my business."

Gyaami admits he's better at dentistry than business. He didn't realize how dire the situation had become even after hearing from the Justice Department, which sues borrowers who default on federally insured student loans. Gyaami's $50,000 loan had grown to $195,000 with penalties, interest and fees.

He continued to discard the collection notices. He said he couldn't afford to pay. By June 2010, the $195,000 debt had jumped to $522,214.

The dentist offered to pay $150,000 to settle the suit and close the loan — the money would come from taking a second mortgage against the family's house — but the Justice Department rejected it. A department representative declined to comment on Gyaami's case.

In December 2010, the government reduced the debt to $400,000 and agreed to collect $3,000 a month from his monthly checks, Gyaami said. He thinks it will take more than 10 years to pay it off.

"It's not easy to deal with," Gyaami said. "It looks like I'll have to work until the day I drop off and die."

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California's Iraq and Afghanistan war dead remembered

They came from Walker Basin, a speck of a community at the edge of the Sequoia National Forest. From the farm town of Reedley, where a barber gives boys joining the military free haircuts before they ship out.

They came from San Francisco. Los Angeles. San Diego.

When they died, photos went up on post office walls in their hometowns. On Veterans Day, there are parades and charity golf tournaments. Buddies gather at graves to drink to the ones who are gone.

In the 11 years since the wars began in Iraq and Afghanistan, 725 service members from California have been killed.

As all veterans are honored, the fallen are remembered

Many died young — 41% were not yet 22. Sixty-three were still teenagers.

They were fun-loving singles. Forty-seven were engaged. They were married, leaving behind 307 wives and husbands. They had children — 432 sons and daughters.

Forty of their obituaries noted that the Sept. 11 attacks spurred them to join up. Some were in elementary school when they watched the Twin Towers fall.

The scope of their loss can't be measured at one point in time. Life moves on, the wars are winding down. But towns, families and individual lives continue to be shaped by their absence.

Lately, 9-year-old Naomi Izabella Johnson has been asking a lot of questions about her father, Allen Johnson, a Special Forces medical sergeant from Los Molinos who was killed on foot-combat patrol in Khanaqin, Afghanistan, in 2005.

What was his favorite color? School subject? Animal? Book? Did he like mashed potatoes?

"It helps me for when I try to imagine him," she said.

Two months ago, her 10-year-old brother, Joshua, started crying inconsolably.

"What's wrong?" his mother, Eunice Johnson, recalled asking.

"I'm starting to forget — sometimes I can't see Daddy's face."

In Yuba City, Taylor Silva, 21, has been spending some time alone. Last week marked six months since her fiance, Chase Marta, 24, was killed by a roadside bomb in the Ghazni province of Afghanistan. He was one of more than 40 California service members to have died in the line of duty since last Veterans Day.

"I know his family and best friend have it just as hard. But we're all being a little quiet to each other because we're all a reminder to each other. His mom can't see me without crying," Silva said.

Seventeen women from California have been killed in the wars.

Hannah Gunterman McKinney of Redlands had told her father that the Army wouldn't send a new mother to Iraq. But she was deployed when her son, Todd Avery Gunterman, was just 1. Ten months later, in 2006, she was run over by a Humvee in Taji, north of Baghdad. She was 20.

She had joined the military as a way to earn money to go to fashion school. She reenlisted because she was a single mother and wanted to give her son financial stability. Now her parents are raising Todd Avery.

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How Apple’s iPad Mini compares with rivals

The iPad Mini is just one of several tablets of its size. Here’s a look at how the Mini compares with other tablets with comparable screens.

Apple Inc.’s iPad Mini

— Price: $ 329 for base model with Wi-Fi only and 16 gigabytes of storage, $ 429 with 32 GB, $ 529 with 64 GB. Add $ 130 for versions with cellular capability.

— Screen size: 7.9 inches diagonally

— Screen resolution: 1024 by 768 pixels

— Weight: 0.68 pound (0.69 pound for cellular versions)

— Cameras: 5-megapixel camera on back and a low-resolution camera on front, for videoconferencing

— Battery life: 10 hours

— Operating system: Apple‘s iOS

Pros: Unmatched access to third-party applications, high-quality Apple software and the iTunes store. High-resolution screen. Available with access to fast 4G wireless broadband networks, starting at $ 459. Larger-screen version available.

Cons: Data storage cannot be expanded with memory cards.

Barnes & Noble Inc.‘s Nook HD

— Price: $ 199 with 8 gigabytes of storage, $ 229 with 16 GB

— Screen size: 7 inches diagonally

— Screen resolution: 1440 by 900 pixels

— Weight: 0.69 pound

— Cameras: None

— Battery life: Up to 10.5 hours of reading and up to 9 hours of video

— Operating system: Modified version of Google‘s Android

Pros: Expandable with microSD card. High-definition screen. Larger-screen version available.

Cons: Selection of third-party applications is small. Lacks cameras and option for cellular broadband.

Amazon.com Inc.‘s Kindle Fire HD.

— Price: $ 199 with 16 gigabytes of storage, $ 249 with 32 GB

— Screen size: 7 inches diagonally

— Screen resolution: 1280 by 800 pixels

— Weight: 0.87 pound.

— Cameras: Front-facing camera.

— Battery life: 11 hours.

— Operating system: Modified version of Google’s Android

Pros: Cheap and portable. Convenient access to Amazon store. High-definition screen. Dolby audio. Larger-screen version coming Nov. 20, including option for cellular broadband.

Cons: Small selection of third-party applications available from Amazon. No rear camera for taking video and photos. Data storage cannot be expanded with memory cards.

Amazon.com Inc.’s regular Kindle Fire:

— Price: $ 159 with 8 gigabytes of storage

— Screen size: 7 inches diagonally

— Screen resolution: 1024 by 600 pixels

— Weight: 0.88 pounds

— Cameras: none

— Battery life: 8.5 hours.

— Operating system: Modified version of Google’s Android

Pros: Cheap and portable. Convenient access to Amazon store.

Cons: No-frills tablet lacks camera and microphone. Small selection of third-party applications available from Amazon. Data storage cannot be expanded with memory cards. No option for cellular wireless broadband.

Google Inc.’s Nexus 7

— Price: $ 199 with 16 gigabytes of storage, $ 249 with 32 GB. Add $ 50 for 32 GB model with cellular capability (available Nov. 13).

— Screen size: 7 inches diagonally

— Screen resolution: 1280 x 800 pixels

— Weight: 0.75 pounds

— Cameras: Front-facing, 1.2 megapixel camera

— Battery life: 8 hours

— Operating system: Google’s Android

Pros: Access to a variety of games, utilities and other software for Android devices, though not as extensive as apps available for iPad. Option for cellular wireless broadband.

Cons: Integrates with Google Play store, which is still new and isn’t as robust as Apple or Amazon’s stores. Data storage cannot be expanded with memory cards.

Gadgets News Headlines – Yahoo! News

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War photography exhibit debuts in Houston museum

HOUSTON (AP) — It was a moment Nina Berman did not expect to capture when she entered an Illinois wedding studio in 2006. She knew Tyler Ziegel had been horribly injured, his face mutilated beyond recognition by a suicide bombing in the Iraq War. She knew he was marrying his pretty high school sweetheart, perfect in a white, voluminous dress.

It was their expressions that were surprising.

"People don't think this war has any impact on Americans? Well here it is," Berman says of the image of a somber bride staring blankly, unsmiling at the camera, her war-ravaged groom alongside her, his head down.

"This was even more shocking because we're used to this kind of over-the-top joy that feels a little put on, and then you see this picture where they look like survivors of something really serious," Berman added.

The photograph that won a first place prize in the World Press Photos Award contest will stand out from other battlefield images in an exhibit "WAR/PHOTOGRAPHY: Images of Armed Conflict and Its Aftermath" that debuts Sunday — Veterans Day — in the Houston Museum of Fine Arts. From there, the exhibit will travel to The Annenberg Space for Photography in Los Angeles, the Corcoran Gallery of Art in Washington and The Brooklyn Museum in Brooklyn, N.Y.

The exhibit was painstakingly built by co-curators Anne Wilkes Tucker and Will Michels after the museum purchased a print of the famous picture of the raising of the flag at Iwo Jima, taken Feb. 23, 1945, by Associated Press photographer Joe Rosenthal. The curators decided the museum didn't have enough conflict photos, Tucker said, and in 2004, the pair began traveling around the country and the world in search of pictures.

Over nearly eight years and after viewing more than 1 million pictures, Tucker and Michels created an exhibit that includes 480 objects, including photo albums, original magazines and old cameras, by 280 photographers from 26 countries.

Some are well-known — such as the Rosenthal's picture and another AP photograph, of a naked girl running from a napalm attack during the Vietnam War taken in 1972 by Huynh Cong "Nick" Ut. Others, such as the Incinerated Iraqi, of a man's burned body seen through the shattered windshield of his car, will be new to most viewers.

"The point of all the photographs is that when a conflict occurs, it lingers," Tucker said.

The pictures hang on stark gray walls, and some are in small rooms with warning signs at the entrance designed to allow visitors to decide whether they want to view images that can be brutal in their honesty.

"It's something that we did to that man. Americans did it, we did it intentionally and it's a haunting picture," Michels said of the image of the burned Iraqi that hangs inside one of the rooms.

In some images, such as Don McCullin's picture of a U.S. Marine throwing a grenade at a North Vietnamese soldier in Hue, it is clear the photographer was in danger when immortalizing the moment. Looking at his image, McCullin recalled deciding to travel to Hue instead of Khe Sahn, as he had initially planned.

"It was the best decision I ever made," he said, smiling slightly as he looked at the picture, explaining that he took a risk by standing behind the Marine.

"This hand took a bullet, shattered it. It looked like a cauliflower," he said, pointing to the still-upraised hand that threw the grenade. "So the people he was trying to kill were trying to kill him."

McCullin, who worked at that time for The Sunday Times in London, has covered conflicts all over the world, from Lebanon and Israel to Biafra. Now 77, McCullin says he wonders, still, whether the hundreds of photos he's taken have been worthwhile. At times, he said, he lost faith in what he was doing because when one war ends, another begins.

Yet he believes journalists and photographers must never stop telling about the "waste of man in war."

"After seeing so much of it, I'm tired of thinking, 'Why aren't the people who rule our lives ... getting it?' " McCullin said, adding that he'd like to drag them all into the exhibit for an hour.

Berman didn't see the conflicts unfold. Instead, she waited for the wounded to come home, seeking to tell a story about war's aftermath.

Her project on the wounded developed in 2003. The Iraq War was at its height, and there was still no database, she said, to find names of wounded warriors returning home. So she scoured local newspapers on the Internet.

In 2004 she published a book called "Purple Hearts" that includes photographs taken over nine months of 20 different people. All were photographed at home, not in hospitals where, she said, "there's this expectation that this will all work out fine."

The curators, meanwhile, chose to tell the story objectively — refusing through the images they chose or the exhibit they prepared to take a pro- or anti-war stance, a decision that has invited criticism and sparked debate.

And maybe, that is the point.

___

Plushnick-Masti can be followed on Twitter at https://twitter.com/RamitMastiAP

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Mind Faded, Darrell Royal’s Wisdom and Humor Intact Till End

Three days before his death last week at 88, Darrell Royal told his wife, Edith: “We need to go back to Hollis” — in Oklahoma. “Uncle Otis died.”

“Oh, Darrell,” she said, “Uncle Otis didn’t die.”

Royal, a former University of Texas football coach, chuckled and said, “Well, Uncle Otis will be glad to hear that.”

The Royal humor never faded, even as he sank deeper into Alzheimer’s disease. The last three years, I came to understand this as well as anyone. We had known each other for more than 40 years. In the 1970s, Royal was a virile, driven, demanding man with a chip on his shoulder bigger than Bevo, the Longhorns mascot. He rarely raised his voice to players. “But we were scared to death of him,” the former quarterback Bill Bradley said.

Royal won 3 national championships and 167 games before retiring at 52. He was a giant in college football, having stood shoulder to shoulder with the Alabama coach Bear Bryant. Royal’s Longhorns defeated one of Bryant’s greatest teams, with Joe Namath at quarterback, in the 1965 Orange Bowl. Royal went 3-0-1 in games against Bryant.

Royal and I were reunited in the spring of 2010. I barely recognized him. The swagger was gone. His mind had faded. Often he stared aimlessly across the room. I scheduled an interview with him for my book “Courage Beyond the Game: The Freddie Steinmark Story.” Still, I worried that his withering mind could no longer conjure up images of Steinmark, the undersize safety who started 21 straight winning games for the Longhorns in the late 1960s. Steinmark later developed bone cancer that robbed him of his left leg.

When I met with Royal and his wife, I quickly learned that his long-term memory was as clear as a church bell. For two hours, Royal took me back to Steinmark’s recruiting trip to Austin in 1967, through the Big Shootout against Arkansas in 1969, to the moment President Richard M. Nixon handed him the national championship trophy in the cramped locker room in Fayetteville. He recalled the day at M. D. Anderson Hospital in Houston the next week when doctors informed Steinmark that his leg would be amputated if a biopsy revealed cancer. Royal never forgot the determined expression on Steinmark’s face, nor the bravery in his heart.

The next morning, Royal paced the crowded waiting room floor and said: “This just can’t be happening to a good kid like Freddie Steinmark. This just can’t be happening.”

With the love of his coach, Steinmark rose to meet the misfortune. Nineteen days after the amputation, he stood with crutches on the sideline at the Cotton Bowl for the Notre Dame game. After the Longhorns defeated the Fighting Irish, Royal tearfully presented the game ball to Steinmark.

Four decades later, while researching the Steinmark book, I became close to Royal again. As I was leaving his condominium the day of the interview, I said, “Coach, do you still remember me?” He smiled and said, “Now, Jim Dent, how could I ever forget you?” My sense of self-importance lasted about three seconds. Royal chuckled. He pointed across the room to the message board next to the front door that read, “Jim Dent appt. at 10 a.m.”

Edith and his assistant, Colleen Kieke, read parts of my book to him. One day, Royal told me, “It’s really a great book.” But I can’t be certain how much he knew of the story.

Like others, I was troubled to see Royal’s memory loss. He didn’t speak for long stretches. He smiled and posed for photographs. He seemed the happiest around his former players. He would call his longtime friend Tom Campbell, an all-Southwest Conference defensive back from the 1960s, and say, “What are you up to?” That always meant, “Let’s go drink a beer.”

As her husband’s memory wore thin, Edith did not hide him. Instead, she organized his 85th birthday party and invited all of his former players. Quarterback James Street, who engineered the famous 15-14 comeback against Arkansas in 1969, sat by Royal’s side and helped him remember faces and names. The players hugged their coach, then turned away to hide the tears.

In the spring of 2010, I was invited to the annual Mexican lunch for Royal attended by about 75 of his former players. A handful of them were designated to stand up and tell Royal what he meant to them. Royal smiled through each speech as his eyes twinkled. I was mesmerized by a story the former defensive tackle Jerrel Bolton told. He recalled that Royal had supported him after the murder of his wife some 30 year earlier.

“Coach, you told me it was like a big cut on my arm, that the scab would heal, but that the wound would always come back,” Bolton said. “It always did.”

Royal seemed to drink it all in. But everyone knew his mind would soon dim.

The last time I saw him was June 20 at the County Line, a barbecue restaurant next to Bull Creek in Austin. Because Royal hated wheelchairs and walkers, the former Longhorn Mike Campbell, Tom’s twin, and I helped him down the stairs by wrapping our arms around his waist and gripping the back of his belt. I ordered his lunch, fed him his sandwich and cleaned his face with a napkin. He looked at me and said, “Was I a college player in the 1960s?”

“No, Coach,” I said. “But you were a great player for the Oklahoma Sooners in the late 1940s. You quarterbacked Oklahoma to an 11-0 record and the Sooners’ first national championship in 1949.”

He smiled and said, “Well, I’ll be doggone.”

After lunch, Mike Campbell and I carried him up the stairs. We sat him on a bench outside as Tom Campbell fetched the car. In that moment, the lunch crowd began to spill out of the restaurant. About 20 customers recognized Royal. They took his photograph with camera phones. Royal smiled and welcomed the hugs.

“He didn’t remember a thing about it,” Tom Campbell said later. “But it did his heart a whole lot of good.”

Jim Dent is the author of “The Junction Boys” and eight other books.

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Lenders, title insurers find new ways to delay or kill mortgages

Do you know the difference between credit rescoring and credit repair?

Apparently, some lenders don't. As a result, they are refusing to fund mortgages that they otherwise would approve.

At the same time, some title companies are starting to play hardball with borrowers who have recently undertaken home improvement projects. Even if the work is relatively minor, and even if it has been completed, the companies are refusing to issue title insurance policies, effectively stopping refinancings in their tracks.

For as long as Richard Temme of Woodland Hills Mortgage in Woodland Hills can remember, title companies would write policies on properties with recent or ongoing construction as long as the borrower agreed to indemnify the company against mechanic's liens. But lately, the mortgage broker reports, title firms have become much more cautious.

The typical indemnification holds the title company harmless from any liabilities, losses, damages, expenses or charges the company may incur because of mechanic's lien disputes between the borrower and the contractor. Borrowers also usually agree to defend any action based on a lien and do all the things necessary or appropriate to clear the lien from the title.

But in an increasing number of cases, that is not enough, Temme says. "We've seen title companies declining to issue on many more loans" than in the past, he says. As a result, he adds, "even minor home improvement projects, recent or unfinished, can hold up or kill a loan."

This may be a California phenomenon because the laws are different in other states. But in the Golden State, contractors, subcontractors and suppliers can file liens retroactively to the day they started their work or furnished materials.

If that date of the lien is before the day the mortgage is closed, the lien, not the mortgage, is in the first position. As a result, some title agencies are not writing policies unless the borrower can put a much higher level of net worth behind the indemnification, Temme says. And some are not accepting any indemnification at all.

Meanwhile, otherwise good loans are being rejected by lenders that confuse rescoring with credit repair. They are not the same.

Credit repair is often a scam. In fact, attorneys at the Federal Trade Commission say they've never seen a legitimate operation that offers to erase bad credit, create a new credit identity on your behalf or remove bankruptcies, judgments, liens or bad loans from your record. If the bad information in your file is correct, there is nothing that can be done to remove it, at least not legally.

No wonder lenders want nothing to do with applicants who have paid someone to clear accurate data from their records. If you have bad credit, after all, you are probably a bad risk.

Rescoring, on the other hand, corrects errors in your file, which may result in an increase to your all-important credit score.

Whereas credit repair firms are not legitimate, the 70-odd companies that provide rescoring are credit reporting agencies that work with the national credit repositories — Equifax, TransUnion and Experian. As resellers of credit information contained within the three repositories, they not only provide the majority of all credit reports but also have a legal obligation to you and your creditors.

Moreover, according to Terry Clemans of the National Credit Reporting Assn., rescoring is a program developed in conjunction with and processed through the big three credit repositories. Indeed, each repository maintains a special rescoring department that deals directly with resellers.

When a credit file is rescored, it is checked twice for accuracy, first by the reseller and again by the national repository. It is, Clemans says, "one of the safest transactions for any creditor because everything is double-verified."

If a change is warranted — say, a trade line was reported incorrectly, or the damaging information is not yours but someone's with a similar name — the miscue is corrected at the repository level and a new credit report and credit score are issued.

If you believe data in your credit file are incorrect, you can have the data removed on your own if you have the time and patience. It can take anywhere from 30 to 45 days. But if you are in a hurry, you can pay a reseller to do it for you, usually within 24 to 72 hours, Clemans says. The cost ranges from $50 to a few hundred bucks, depending on how complex the problem is.

Rescoring has been a popular service for seven or eight years, Clemans says, and he thinks some lenders are so worried about bad risks that they are confusing credit rescoring with credit repair. He calls it a "knee-jerk reaction after all the pain" resulting from the mortgage meltdown.

"I have heard from lenders … claiming they are trying to protect themselves from consumers 'gaming' the system for better rates," he says.

But as Clemans sees it, lenders that object to rescoring are basically telling a consumer seeking a quick resolution of incorrect data that they can't have it corrected for that particular loan application. As a result, he wonders whether it is lenders who are gaming the system in an effort to force borrowers into higher interest rates.

Whether or not that's true, there's little that would-be borrowers can do besides take their business elsewhere — or sue the lender under the Fair Credit Reporting Act.

As far as mechanic's liens are concerned, mortgage broker Temme is telling his refinancing customers to advise the title company in writing of any construction or rehab projects on the property. Otherwise, he says, if a lien is filed, the title company may sue for the amount it has to pay the lender to pay off the lien.

And tell the title firm early. Even if the company will accept an indemnification, the process can take weeks, he says, noting that loans can be lost during that period.

lsichelman@aol.com

Distributed by Universal Uclick for United Feature Syndicate.

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Suspect in brazen rape on L.A. bus arrested

The woman boarded the 217 Metro bus in Culver City at about 5 p.m., on her way home from her special education school. The 18-year-old with the mental capacity of a 10-year-old had only recently been allowed to start taking the trip on her own.

A stranger boarded behind her.

He followed her to the back of the bus, authorities said, and without warning began raping her.

The attack lasted for 10 minutes Wednesday afternoon as the bus traveled south through Baldwin Hills, making two stops as the rape continued, authorities said. There were several people on the bus when the two boarded, but some exited during the attack, possibly unaware of what was happening at the back of the bus.

The assailant only ended the attack as the bus was reaching its final stop, where he left the bus, authorities said.

The brazen crime reverberated around the sprawling Metro system Friday. Portions of the rape were captured on a surveillance camera and Los Angeles County Sheriff's Department officials arrested a suspect, Kerry Trotter, Friday morning just hours after releasing still photos of the alleged attacker.

Authorities said Trotter, 20, is a parolee and a transient who had previously been investigated on suspicion of sexual assault.

"It was a crime of opportunity," said sheriff's Sgt. Dan Scott. "Unfortunately, [the victim] was in the wrong place at the wrong time. He followed her onto the bus and assaulted her."

Metro officials were quick to note that sexual assaults and other violent crimes are relatively rare on its network of buses and rail lines. Three rapes have been reported this year on a system that recorded millions of commuter trips.

But despite the numbers, passengers said Friday that the rape left them uneasy. In a region where getting around is usually about being in a car alone, bus commuters say mass transit exposes them to all kind of people and situations, both good and bad.

Faydra Caldwell, 23, said every time she rides the bus she instinctively notes what other passengers are wearing in case she might have to report them to the police. It's a habit she has developed since her phone was snatched by another bus rider.

"You don't know what people are capable of doing," said Caldwell, a student at West L.A. College.

Another rider, John Wilson, said that a few months ago he had to shove a man off the bus because the man was patting a woman's head and making sexual remarks. No one else intervened.

"The bus driver was really angry at me," said the 54-year-old church executive. "He said, 'Don't take the law into your own hand.' I said, well, you weren't doing anything and the passengers sure as hell weren't."

In this week's incident, both the suspect and the victim got onto the bus at about 5 p.m. at the corner of La Cienega and Jefferson boulevards, near the new Expo Line rail station.

Sheriff's officials said they doubt the bus driver or the passengers on the bus knew what was happening. Scott said detectives believe Trotter was riding buses looking for potential victims.

"He immediately went to her and began the assault," Scott said. "…The suspect had his back to the front of the bus. People generally think of a rape as some kind of attack where someone's thrown down. Its not always the case."

"The victim did not scream," he added. "The victim told our detective that she was shocked, and didn't know what to do, and was in fear of her safety and her life."

Detectives are seeking riders on the bus, including one passenger they believe may have witnessed the incident, though they can't be sure. He "did not jump up and scream rape or that someone was being assaulted," Scott said.

Trotter has a history of run-ins with the law, according to records. Last year, he was convicted of drug possession. In April, he was convicted of grand theft and sentenced to a year in jail, but did not serve his full sentence. In June he was arrested again, and in September admitted to violating probation. He was released from jail Sept. 28. On Oct. 15 he was arrested again by Redondo Beach police and served 10 days in jail. Records did not include specifics on that offense.

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Justin Bieber and Selena Gomez call it quits

NEW YORK (AP) — Justin Bieber is no longer Selena Gomez's 'Boyfriend,' a source confirms to The Associated Press.

The split happened last week, and distance and their busy schedules were a contributing factor.

Eighteen-year-old Bieber is touring to promote his latest album, while 20-year-old Gomez is filming a "Wizards of Waverly Place" reunion for Disney Channel called "The Wizards Return: Alex versus Alex," that will air next year.

The pair first stepped up publicly in February 2011 at the Vanity Fair Oscar party.

E! News was the first to report the split.

Bieber seems to be doing OK, at least publicly. On the red carpet of Wednesday's Victoria's Secret fashion show he said, "I'd rather be here than anywhere in the world."

___

Online:

http://www.justinbiebermusic.com/

http://www.selenagomez.com/

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The New Old Age Blog: More Time to Enroll in Medicare If You Live in Storm Areas

Medicare beneficiaries battered by Hurricane Sandy have one fewer problem to worry about: Federal officials have extended the Dec. 7 deadline to enroll in a private medical or drug plan for next year for those still coping with storm damage.

The Centers for Medicare and Medicaid Services “understands that many Medicare beneficiaries have been affected by this disaster and wants to ensure that all beneficiaries are able to compare their options and make enrollment choices for 2013,” Arrah Tabe-Bedward, acting director for the Medicare Enrollment and Appeals Group, wrote in a Nov. 7 letter to health insurance companies and state health insurance assistance programs.

Beneficiaries hit by the storm can still enroll after the Dec. 7 midnight deadline if they call Medicare’s 24-hour information line: 1-800-MEDICARE (1-800-633-4227). Representatives will be able to review available plans and complete the enrollment process over the phone.

“We are committed to giving people with Medicare the information and the time they need to make important decisions about their coverage,” a Medicare spokeswoman, Isabella Leung, said in an e-mail message. Medicare officials have not set a new deadline but have encouraged beneficiaries to make their decisions soon if possible.

People currently in a plan will be automatically re-enrolled for next year in the same plan.

The extra time also applies to any beneficiaries who normally get help from family members or others to sort through dozens of plans, but who have been unable to do so this year because they live in areas affected by the storm. Neither beneficiaries nor those who provide them assistance will be required to prove that they experienced storm damage.

“This is a really important recognition by CMS to accommodate Medicare enrollees affected by Hurricane Sandy,” said Leslie Fried, director for policy and programs at the National Council on Aging, an advocacy group in Washington.

After the hurricane, the Obama administration declared Connecticut, New Jersey, New York and Rhode Island “major disaster areas,” according to the Federal Emergency Management Agency. In addition, FEMA issued emergency declarations for parts of Delaware, the District of Columbia, Maryland, Massachusetts, New Hampshire, Pennsylvania, Virginia and West Virginia.

More than four million older people in those states are enrolled in drugs-only plans, and more than 2.8 million have Medicare Advantage policies, which includes medical and drug coverage.

Susan Jaffe is a writer for Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonprofit, nonpartisan health policy research and communication organization not affiliated with Kaiser Permanente.

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Indoor trampoline parks spring up throughout Southland

Indoor trampoline parks are springing into action throughout Southern California, along with leaping games of dodge ball, highflying basketball and rigorous calisthenics.

Just ask Akory Coates, who lived out his basketball dreams for an hour recently at a Sky Zone trampoline park in Torrance. He jumped, he twirled in the air, his fingertips grazed the rim and he made four baskets. Not an easy feat for a 9-year-old, but a series of trampolines beneath his feet gave him all the lift he needed.

"Hey, Dad, look at me," Akory said as he went up for a basket and made it. His father took the fourth-grader at Major Lynn Mokler Elementary in Paramount and friends to the park for the boy's birthday. Across the warehouse a SkyRobics exercise class was underway, and a small group of parents watched their kids tumble.

The indoor trampoline business is booming, with dozens of parks open or in the works across America. "Since early to mid-2010 the whole industry has exploded," said Jeff Platt, chief executive of Sky Zone Indoor Trampoline Park, a Los Angeles company that opened its first location in Las Vegas in 2004. "People started feeling a little bit better about the economy and were looking for something new to do."

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At a time when the Southland economy is still struggling, experts say trampoline parks appeal to people of all ages eager for a relatively inexpensive activity and exercise. An hour at these parks typically ranges from $10 to $15. Many of them offer birthday parties, aerobics classes, corporate events and dodge ball games. There are also foam pits for people to jump into, and there are pizzas and hot dogs at the snack bar.

"We've seen them take off," said Dennis Speigel, president of International Theme Park Services Inc., an industry consultant. "They're not taking off like the space shuttle, but we are seeing a reemergence of them."

Speigel said trampoline parks came into existence in the late '50s and early '60s but fell out of favor because of liability. Today's trampoline parks, he said, are attractive to teens and preteens who like extreme sports such as skateboarding, BMX and snowboarding.

Sky Zone has opened 27 parks — three company owned and 24 franchises. Four are in Southern California, in Torrance, Anaheim, Corona-Riverside and Chula Vista near San Diego.

At least four other companies have opened trampoline parks across the country. Sky High Sports has 15 outlets including ones in Valencia, Woodland Hills, San Diego, Costa Mesa, Ontario and Camarillo.

Jump Street has nine locations combined in Arizona, Colorado and Texas, with plans to open two more. Xtreme Trampolines has two locations in the Chicago suburbs. Rebounderz has one outlet in Florida.

Jerry Raymond, CEO of Sky High Sports and a founding member of the International Assn. of Trampoline Parks, estimates there are just over 100 facilities in the United States and expects that number to grow. Most of the parks are franchises; none of the companies involved released profitability information.

Franchises for bigger companies such as Sky High and Sky Zone typically cost more than $1 million each to open, including insurance coverage, fees and facility costs.

Platt, Sky Zone's CEO, said the key to a successful trampoline franchise is introducing new activities.

After Sky Zone's revenue started to decline in 2009, five years after opening, it introduced dodge ball, then workout classes and basketball hoops. The moves paid off. Last year Sky Zone posted about $16 million in revenue and it's projecting $70 million for 2013.

Park operators say they make special effort to keep trampoline parks as safe as possible, but they acknowledge that injuries and liability are always a concern. "Injuries aren't something that we'll ever be able to eliminate, but we can try," Platt said.

As trampoline parks continue to multiply so will injuries, said Seattle lawyer Sim Osborn, who has represented clients who have injured themselves at trampoline parks. He said bodies can't absorb the impact of accidentally landing on the pads that border the trampolines, the facilities can get overcrowded and employees can't always supervise jumpers.

"Frankly, the way they're designed and built, you cannot make them safe," he said.

Although trampoline injury rates have decreased every year since 2004, the U.S. Consumer Product Safety Commission found there were almost 98,000 injuries in 2009, the latest year data were available.

In September, the American Academy of Pediatrics issued a warning about possible safety hazards involving trampoline use. The group also recommended that operators inform participants of possible risks. Park operators said they provide instructional videos and safety brochures, and have supervisors monitoring participants.

Trampoline parks aren't monitored by any state agency, said Peter Melton, spokesman for the California Department of Industrial Relations.

At the Torrance park where young Akory was showing off his basketball potential, Shannon Brown was leading the SkyRobics class, her ponytail bopping through a series of jumping jacks. Soon she had the four participants running across 24 trampolines, then doing push-ups and a dodge ball scrimmage.

"I've had kids as young as 8 years old and older people in their 50s and 60s," Brown said, adding that she tailors the classes to participants' skill level. "It's definitely a lot harder than it looks."

Law firm intern David Moussa, 21, of Torrance was among the participants. Moussa, who tore a knee ligament during a basketball game, said he enjoys the trampoline workouts because they impact his joints less than running.

"At first it was a little weird," Moussa said, as beads of perspiration formed on his forehead. "When I first did this I thought, 'I'm this big macho guy who plays basketball,'" he said, "but after the first couple of minutes I was done."

Deon Coates, 29, of Bellflower has taken his son Akory to the Torrance Sky Zone three times.

"The place is extremely clean and never understaffed; it really gives you a sense of safety," Coates said. "Plus, it's a perfect way to get the kids to sleep versus NyQuil."

adolfo.flores@latimes.com

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