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Florida ranked seventh-worst state in nation for handling credit card debt

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Floridians aren’t very good when it comes to credit card discipline, according to a new study analyzing different states and the ability of residents to handle debt.

Ladah Injury & Car Accident Lawyers, a law firm in Las Vegas, analyzed credit card patterns and financial responsibility among all 50 states and concluded Florida was the seventh-worst state in credit card discipline.

The analysis looked at credit card patterns and used three elements to rack up the ranking. That included a comparison between credit card debt and median income, credit card utilization, and the Fair Isaac Corp., also known as FICO, a credit scoring system which uses credit ratings and other factors. The law firm combined those factors to determine a credit card responsibility score.

Florida’s credit card discipline score came in at 45.

“The Sunshine State has an average credit card balance of $7,392 against a median income of $62,973 (representing 11.7% of income and scoring 4/40 for debt ratio). The state recorded an average utilization ratio of 31% (scoring 13/30) and an average FICO Score of 707 (scoring 29/30 for credit score),” researchers conducting the study concluded.

Florida had a lot of company from other Southern states in terms of trouble handling credit cards. The 10 least responsible states were Sun Belt states with the exception of Nevada, which was ranked just above Florida at sixth.

Louisiana is at the top of the heap among the states with the worst credit card discipline, with a responsibility score of 33.6. Next comes Texas, with a score of 35.6, and Georgia, with a score of 38.5.

Alabama was ranked the 10th-most irresponsible state with credit cards, posting a score of 54.2. Other states among the worst credit card handlers include Mississippi, Oklahoma, Arkansas and South Carolina.

“The study shows that the bottom-performing states reflect a perfect storm of economic factors: lower median incomes combined with aggressive credit marketing in regions lacking financial literacy. Credit card companies often target consumers in these areas with high-limit offers. Still, without proper education on the actual cost of carrying balances, residents can quickly find themselves trapped in debt cycles that take years to escape,” the study found.


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Florida lawmakers condemn tragic shooting at Jewish event in Australia

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The horrific shooting in Australia that claimed at least 16 lives during a Hanukkah celebration has prompted an expression of sympathy from Florida lawmakers.

The Florida Jewish Legislative Caucus issued a statement of condemnation of the violence during the Jewish observance on Sydney’s Bondi Beach. The Caucus published its statement Sunday afternoon.

“The Florida Legislative Jewish Caucus unequivocally condemns the horrific and senseless killing that occurred during Hanukkah in Australia. An act of violence against Jews celebrating their faith is an attack not only on a single community, but on the fundamental values of freedom, religious liberty, and human dignity,” the Florida Legislative Caucus said in a news release.

“We stand in unwavering solidarity with our Jewish brothers and sisters in Australia, with the victims’ families, and with Jewish communities around the world who are once again forced to confront hatred simply for being who they are. The State of Florida’s Jewish legislators join in mourning, remembrance, and resolve.”

The Florida LegislativeJewish Caucus has a dozen members from the House of Representatives and two State Senators.

Hundreds of people had gathered Sunday at the beach for an event to celebrate the first day of Hanukkah, when gunmen opened fire. At least 38 others were injured in the attack.

New South Wales Health Minister Ryan Park said the death toll had risen from 12 to 16 overnight, including a 12-year-old child. Three other children are being treated in hospital, he said.

“This is absolutely horrendous for the community broadly, but particularly the Jewish community. … What we saw last night was the worst of humanity, but at the same time, the very best of humanity,” Park said.

The massacre at one of Australia’s most popular beaches followed a wave of antisemitic attacks that have roiled the country over the past year, although the authorities didn’t suggest those and Sunday’s shooting were connected. It is the deadliest shooting in almost three decades in a country with strict gun control laws.

One gunman was fatally shot by police and the second was arrested and in critical condition, authorities said. Police said one gunman was known to security services, but there was no specific threat.

At least 29 people were confirmed wounded, including two police officers, said Mal Lanyon, police commissioner for New South Wales state, where Sydney is located.

“This attack was designed to target Sydney’s Jewish community,” New South Wales Premier Chris Minns said.

The violence erupted at the end of a summer day when thousands had flocked to Bondi Beach, including hundreds gathered for the Chanukah by the Sea event celebrating the start of the eight-day Hanukkah festival.

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Material from The Associated Press was used in this report with permission.



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Florida behavioral services offer plenty of help and tips for dealing with holiday stress

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Behavioral health officials have a list of precautions for Floridians to deal with anxieities heading into Christmas and New Year’s Day.

While the holidays can bring a lot of comfort and joy, the can also be a stressful time and Florida’s health management entities are providing some helpful tips to deal with yuletide anxiety.

There are seven behavioral health managing entities in the state and all of them are aware that stress heading into Christmas and New Year’s Day can seem overwhelming at times. They’re advising balance may be one of the key elements in dealing with the holidays.

“The holidays are a time of joy, but they can also be a time of stress, sadness and triggering situations,” said Natalie Kelly, CEO of the Florida Association of Managing Entities. “Florida’s behavioral health Managing Entities remind Floridians that behavioral health services are available, even to those who are uninsured or underinsured.”

The state’s behavioral health professionals are also providing a list of tips to help come to grips with any holiday tension including:

— Get plenty of exercise. Exercising boosts your mood and combats depression.

— Limit alcohol intake. Alcohol is a depressant that can cause feelings of anxiety, sadness and depression.

— Set healthy boundaries and don’t overextend yourself. Setting realistic expectations can help reduce stress.

— Seek the help of a counselor for mental health needs. If you feel overwhelmed or the need to get help to address your feelings, contact a counselor.

— Call 2-1-1 if needed to connect with resources in your community.

— Call 9-8-8 if you or a loved one is having suicidal thoughts.

A mental-health treatment network has been established in the state for providers who deliver services to residents needing help. Those services extend to parents and children, veterans and the homeless.

Providers serve patients for not only mental health needs, but substance use, housing, transportation and employment help. Those managing entities are often overseen by community organizations and administrators and are accountable to state and federal funds.



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Ron DeSantis appoints new members to 2 Florida county commissions

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Patricia ‘Trish’ Petrosky is being added to the Lee County Commission while Charles ‘Wade’ Ellenburg joins the Holmes County Commission.

Two Florida county commissions are getting new members.

Gov. Ron DeSantis appointed two new county commissioners this month. One is taking a seat on the Lee County Board of Commissioners. The other will assume a seat on the Holmes County Commission.

DeSantis appointed Patricia “Trish” Petrosky to the Lee County Commission, home to Fort Myers. Petrosky is replacing Mike Greenwell.

Greenwell served on the District 5 seat of the County Commission since July 2022. That’s when DeSantis appointed Greenwell to that panel. Greenwell would rise to Chairman of the Lee County Commission in 2024 and he was reelected to that post that year. But he passed away Oct. 9 after a battle with cancer and there were memorial services in Lee County. DeSantis also ordered American and Florida flags to fly at half staff on Oct. 21.

Greenwell was with the Boston Red Sox Major League Baseball organization for about a dozen years. That franchise has Spring Training operations in Fort Myers and Greenwell returned to Lee Countyt to raise a family and entered local business.

Petrosky is the Executive Assistant at Evangelical Christian School in Fort Myers. She also was a former realtor with Berkshire Hathaway HomeServices and was a member of the Naples Area Board of Realtors Association.

Meanwhile in Holmes County, DeSantis has appointed Charles “Wade” Ellenburg to that County Commission.

Ellenburg fills the District 2 seat on the Holmes County board after Brandon Newsom was suspended from the panel this year following felony charges. Newsom was involved allegations of violating bail bond laws in the Northwest Florida county that boarders the Georgia state line, according to a report in the Holmes County News.

Ellenburg is a farmer in Holmes County and is a member of the Florida Farm Bureau Holmes County Board of Directors. He also serves on the Fruit and Vegetables State Advisory Board for that bureau. Ellenburg was also elected to the Holmes County Value Adjustment Board this year.



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