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o ye VICTORIA - A Vancouver Island First Nation whose people were the first to greet European explorers in the region almost 250 years ago is taking British Columbia to court, seeking title to its traditional territories and financial compensation. The Mowachaht/Muchalaht First Nation filed a claim Thursday in B.C. Supreme Court seeking a return of decision-making, resource and ecological stewardship, said Chief Mike Maquinna, a descendent of the former Chief Maquinna who met British explorer Capt. James Cook in 1776. Crown-authorized forest industry activities approved by the province without the consent of the Mowachaht/Muchalaht First Nation have resulted in cultural, economic and environmental impacts, he said at a news conference on Thursday. “Our people, the Mowachaht/Muchalaht, have endured many hardships since first meeting Capt. Cook, who was the explorer who first came into our territory,” said Maquinna. “As a result of the explorations of our territory, the natural resources of our lands have been taken. We want to correct rights and wrongs here and hopefully as time goes on this will show that Mowachaht/Muchalaht has been infringed upon since time of contact.” Capt. Cook and Chief Maquinna met in March 1776 at the traditional Mowachaht/Muchalaht whale-hunting village of Yuquot, later named Friendly Cove by Cook. The Parks Canada website says Yuquot was designated a national historic site in 1923 as the ancestral home of the First Nation, which was continuously occupied for more than 4,300 years and the centre of their social, political and economic world. The Parks Canada website says the village became the capital for all 17 tribes of the Nootka Sound region. Maquinna said the province has been acting as the sole decision-making authority in the Gold River-Tahsis areas of northern Vancouver Island, especially with regards to the forest resource, without the consent of his nation. Hereditary Chief Jerry Jack said the claim seeks title to about 430,000 hectares of land on the northwest coast of Vancouver Island and an amount of financial compensation to be determined by the court. “It is common knowledge we were here long before Capt. Cook and now we have to go to court and definitively prove that,” he said. “I don’t like that we have to prove that we owned it before he showed up to my territory, to my beach.” The land title case does not make any claims against private land owners, homeowners or recreational hunting and fishing operators, said Jack. Premier David Eby said the B.C. government prefers negotiated land-claims settlements rather than become involved in lengthy, expensive court cases, but the Mowachaht/Muchalaht have the right to take that route. “We have no problem with them doing that,” he said at an unrelated news conference in Langley. “We’d rather sit down and find a path forward.” The 15-page notice of claim seeks declarations that the First Nation has Aboriginal title to its lands and that B.C.‘s Forest Act and Land Act will no longer apply to Mowachaht/Muchalaht lands once title is declared. Jack said the nation decided against pursuing formal treaty talks with the federal and provincial government years ago and has been planning the land title court case “for many decades.” This report by The Canadian Press was first published Dec. 12, 2024. Note to readers: This is a corrected story. The Mowachaht/Muchalalaht First Nation previously said it sought title to about 66,000 hectares of land. The First Nation now says it is seeking title to about 430,000 hectares of land.

Percentages: FG .569, FT .607. 3-Point Goals: 9-18, .500 (Thomas 2-2, Watkins 2-3, Deng 2-4, Holt 1-1, Swinton 1-1, Davis 1-2, Bol Bowen 0-1, Crawford 0-1, Rozakeas 0-1, Jackson 0-2). Team Rebounds: 6. Team Turnovers: None. Blocked Shots: 4 (Bol Bowen, Deng, Ewin, Holt). Turnovers: 11 (Jones 2, Bol Bowen, Davis, Deng, Ewin, Maluk, Mbatch, Swinton, Thomas, Watkins). Steals: 7 (Bol Bowen 2, Crawford, Davis, Jackson, Maluk, Swinton). Technical Fouls: Bol Bowen, 14:54 second. Percentages: FG .310, FT .690. 3-Point Goals: 3-24, .125 (Curry 1-2, Rivera 1-4, Guerengomba 1-6, Ndjigue 0-1, Watson 0-1, Worthy 0-2, Diggins 0-8). Team Rebounds: 8. Team Turnovers: 1. Blocked Shots: 1 (Rivera). Turnovers: 16 (Rivera 3, Worthy 3, Curry 2, Hankins-Sanford 2, Abdelgowad, Diggins, Guerengomba, Muhammad, Ndjigue, Watson). Steals: 7 (Ndjigue 3, Rivera 2, Abdelgowad, Diggins). Technical Fouls: None. .There are a few key conference clashes and the buffet of games at the annual Team Rose Shootout this weekend. Below is a preview of six of the best with some picks. Marist (7-0) at No. 12 Benet (6-1), Friday In the single round-robin ESCC schedule, this mid-December matchup looms large. Benet and Marist are chock full of veterans and top 25-caliber teams vying for the top spot in the conference after sharing the title last year. Yes, Marist is without injured Stephen Brown, one of the top juniors in the state, but they’ve weathered the storm nicely thus far. This is the toughest test yet, however. Both of these teams have been extremely balanced through seven games. Karson Thomas leads Marist with 12 points a game and is one of four players in double figures. Shooter Rokas Zilys and guard Adoni Vassilakis average 11 each, while Marquis Vance adds 10 a game with seven rebounds. Benet has size and balance, starting with 6-9 Southern Illinois recruit Daniel Pauliukonis (11.2 ppg) and 7-foot junior Colin Stack (13.6 ppg, 7.4 rpg), to go with an experienced backcourt with Blake Fagbemi (11 ppg, 6.2 apg) and Jayden Wright (12.3 ppg). The pick: Benet 66, Marist 60 DeKalb (4-3) at No. 7 Waubonsie Valley (6-0), Friday The top two teams in the DuPage Valley square off for the first of two this season Don’t let DeKalb’s early so-so record fool you; the Barbs have lost to three very good opponents. But it’s an opportune time for this promising team, led by guard Sean Reynolds and 6-5 Davon Grant, to make a statement. With a nearly 40-point differential in its six wins, Waubonsie Valley has absolutely rolled everyone it’s faced. That included beating a talented Rockford Auburn by 17. The Warriors, led by the dynamic combination of Illinois State-bound guard Tyreek Coleman and the athletic Moses Wilson, are ready for higher-tiered competition. The pick: Waubonsie Valley 67, DeKalb 59 No. 10 Rich (1-2) vs. No. 16 Waukegan (4-1) at Crete-Monee, Saturday This could be a fun one with two teams that apply pressure and like to get up and down the floor. A couple of early out-of-state losses have left a bad taste in Rich’s mouth. Thus getting a momentum-building win over a talented team here is imperative to get back on track. Jamson Coulter, one of the top juniors in the state, sets the tone for Rich, while Waukegan has a trio in Simereon Carter, Jaali Love and Xavi Granville who combine to average over 50 points between them. The wonder in this one is what to make of a high-upside Waukegan team that stunned Warren but lost to Christ the King in the same week. But the early resume also includes impressive wins over Barrington and Crystal Lake South. The pick: Rich 70, Waukegan 63 Marian Catholic (5-1) vs. Lemont (6-1) at Mount Carmel, Saturday The Saturday morning brunch special, featuring two teams flying a little under the radar, is arguably the best game of the day at the Team Rose smorgasbord. Lemont has the “Big Three” in 6-5 Alanas Castillo (12 ppg), 6-5 Matas Gaidukevicius (15 ppg) and 6-6 junior Gabe Sularski (12 ppg). Those three take turns putting pressure on opposing defenses with their combination of scoring and versatility. The consistent impact of Marian Catholic senior Zach Sharkey is too often overlooked. The 6-2 guard put up 14.4 points a game last season and has upped that to an impressive 21.3 points a game so far this season. His vast production also includes over seven rebounds and four assists a game. Sharkey is getting plenty of help. Senior guard Delan Davis is off to a fast start and is putting up 18 points a game, and promising sophomore Landon Mays is adding 8.5 points and 5.5 rebounds a game. The pick: Marian Catholic 58, Lemont 56 No. 3 DePaul Prep (6-1) vs. No. 10 Rich (1-2) at Mount Carmel, Sunday These two came into the season highly ranked and didn’t hold back in putting together rugged schedules. This is one of those high-level battles. DePaul is fresh off an impressive win over Mater Dei out of California. This is the back end of a tough weekend for Rich that starts Saturday with Waukegan. From a stylistic standpoint, Rich plays with a quick-paced mindset while DePaul’s defense boggles up nearly everyone. Rich will want this one in the 70s and DePaul will try and keep it in the 50s. DePaul is led by point guard Makai Kvamme and big man Rashaun Porter. However, the emergence of newcomer Rykan Woo in the backcourt and a healthy Jonas Johnson, who scored 15 in the win over Mater Dei, has elevated the Rams. The 1-2 punch of guard Jamson Coulter and 6-8 Al Brooks are notable players and concerning for any defense. But this defense flexes its muscle more than most. Rich will need to execute. The pick: DePaul 57, Rich 53 No. 4 Homewood-Flossmoor (7-0) vs. No. 21 St. Laurence (4-2) at Mount Carmel, Sunday Loaded backcourts will go at it with Division I commitments — H-F’s Jayden Tyler (Wofford) and St. Laurence’s EJ Mosley (Purdue-Fort Wayne) — and talented uncommitted prospects, including H-F’s explosive Brent Taylor and St. Laurence’s Zerrick Johnson. In disposing of Marian Catholic, Bloom and Young, H-F has looked the part and is further along than many expected. There are a variety of weapons and players taking advantage of opportunities. The pick: H-F 68, St. Laurence 59

Given how events unfolded, it was never going to be easy for Kamala Harris. Many Democrats are ­convinced her ­campaign saved the party from an even worse result. To be fair, it achieved some real highs: she won the debate. But she never won the argument, at least not with the ­voters who mattered most. The US election triggered a scary deja vu moment for those of us who had watched the 2019 UK ­general ­election from behind our sofas, hands over our eyes. The Democrats lost votes with almost everyone, almost everywhere, but, like Labour in the “red wall”, most ­dramatically with traditional heartland ­voters: working-class, low-paid, non-­graduates. And, like Labour back in 2019, that lost connection with core voters had not happened overnight. Working with the DC-based Progressive Policy Institute, we ­conducted post-election polling and focus groups with past Democrat voters who voted for Trump on 5 November. The work laid bare an anxious nation desperate for change. Be in no doubt, this was a change election: any candidate failing to offer the change the electorate craved had become a risky choice. Asking how voters felt about the results on 6 November, “relieved was the word we heard most often. Overwhelmingly, change focused on two issues: inflation and ­immigration. Trump enjoyed a clear lead on both. Sure, Harris had some popular policies (anti price-­gouging, tax cuts, help for first-time ­buyers and small businesses), but these seemed sidelined in an overcrowded campaign, with voters concluding that she was not on their side and was too focused on “woke” issues. Among working-class ­voters, 53% agreed the Dems had gone “too far in pushing a woke ­ideology”. They’ve “gone in a weird ­direction”, said one, “lost touch with our ­priorities”, said another. Worse still was the sense that any voter who disagreed with them was “a bad person”. American liberals were out of step with these voters’ views – most importantly, on loving their country. As many as 66% of Americans say theirs is the greatest country in the world, rising to 71% of working-class voters. Liberals were the only group who disagreed. What this patriotism means matters. Voters expressed it in terms of putting US interests ahead of others – it also meant recognising that change is needed and being prepared to act. As one voter put it: “If you’re not championing change, you’re not patriotic.” Hungry for that change, voters yearned for a shake-up in the way that both government and the economy operates. Just 2% said the system needed no change, while 70% believed the country was heading in the wrong direction. The Democrats did not seem to hear this - some even interpreted Harris’ pledge to “protect democracy” as “protecting the status quo”. By contrast, Trump’s appetite for disruption, coupled with his contempt for Capitol Hill sacred cows, seemed to promise change that for once might actually deliver for working class voters. Are there things the Harris campaign could have done ­differently? Of course. Joyful celebrities seemed tin-eared to an ­electorate feeling worried, ­pessimistic, even scared. But what should really ­trouble the Democrats now is the sense that the party – not just the candidate or the campaign – has, since 2020, parted company with the voters that its electoral success depended on: millions of Americans who work hard, pay their taxes, do the right thing and now feel they are not ­getting a fair deal. The Democrats can only win by putting those back at the centre of their politics. The same was true for Labour in 2024 and is true for ­centre-left parties elsewhere. That requires a course correction which needs to start now. As Democrats absorb the result, without an immediate leadership contest to ­provide direction, local leaders must be prepared to step up, flex their muscles and challenge Trump. Change demands strong leadership – all the more so when voters feel vulnerable. Polling gave Trump a 28% lead on strength. Described as a “powerhouse”, he was likened to “neat whisky – gives it to you straight” while Harris was a “watered down cocktail”. Imagined as a car, he was a “sturdy dump truck owning the road, not to be argued with” while she was a “flimsy Kia”. The grit that took a mixed race woman tantalisingly close to the top job in world politics was just not evident to voters. Having absolute ­clarity of conviction is a must for tomorrow’s aspiring candidates – and showcasing that must start today. This is eerily familiar ground to those of us who worked hard to ­distance Labour from what led to catastrophic loss in 2019. It remains to be seen if the Democrats embrace the change their party needs as ­courageously as Keir Starmer did over the past four years. But there is food for thought for the new Labour administration, too. Labour must continue to channel its powerful change message in ­government, reflecting the anti-establishment mood that now exists both sides of the Atlantic. It must be prepared – enthusiastic even – about disrupting rather than defending old, tired institutions. It needs a strong overarching narrative and a plan to reform government and the economy so it can truly deliver back to the hero voters that delivered its electoral success in July. That work started last week with the launch of Starmer’s with its powerful emphasis on working people being better off, but there remains much to do.Bills get defensive boost, activate LB Milano off IR

Doughty scores 17 in Indiana State's 83-80 win against IonaGeorge Kresge Jr., who wowed talk show audiences as the The Amazing Kreskin, diesHeisman Trophy finalist and two-way Colorado star Travis Hunter was named The Associated Press Big 12 defensive player of the year while also being a first-team selection at wide receiver on Thursday. Buffaloes quarterback Shedeur Sanders is the league's top offensive player. Kenny Dillingham, the 34-year-old in his second season at Arizona State, was the unanimous choice as Big 12 coach of the year after leading his alma mater to a championship and a spot in the 12-team College Football Playoff. The Sun Devils (11-2) went into their league debut as the preseason pick to finish last among the 16 teams. At cornerback, Hunter had 31 tackles, tied for the Big 12 lead with 11 pass breakups and was tied for second with four interceptions. On offense, he leads the Big 12 with 92 receptions and 14 receiving touchdowns, and is second with 1,152 yards receiving. His 21 catches of at least 20 yards are the most nationally. He is also the AP's player of the year. Sanders is the Big 12 passing leader, completing 337 of 454 passes (74.2%) for 3,926 yards and a school-record 35 touchdowns with eight interceptions for the Buffaloes (10-2) Arizona State freshman quarterback Sam Leavitt, who is 11-1 as a starter, is the league’s top newcomer. The Michigan State transfer has 2,663 yards passing with 24 touchdowns and only five picks in 304 attempts. LAS VEGAS — Former Florida and Mississippi State coach Dan Mullen has agreed to lead UNLV's 24th-ranked football program, two people with knowledge of the hire said Wednesday. The people spoke to The Associated Press on condition of anonymity because no announcement has been made. The 52-year-old Mullen replaces Barry Odom, who left for Purdue on Sunday after going 19-8 and helping the Rebels receive back-to-back bowl invitations for the first time in program history. UNLV will play California in the LA Bowl on Wednesday. UNLV athletic director Erick Harper wasted little time in finding Odom's replacement. Mullen, most recently an ESPN college football analyst, went 103-61 at Florida and Mississippi State. Rich Rodriguez is returning to West Virginia for a second stint as head coach at his alma mater. Athletic director Wren Baker announced the hiring on Thursday, 17 years after Rodriguez made a hasty exit for what became a disastrous three-year experiment at Michigan. “We are thrilled to welcome Coach Rich Rodriguez and his family back home,” Baker said in a statement. “Coach Rodriguez understands what it takes to win at West Virginia, and I believe he will pour his heart, soul and every ounce of his energy into our program. I am convinced Coach Rodriguez wants what is best for West Virginia, WVU and West Virginia football, and I am excited about the future of our program.” Rodriguez, who is the current coach at Jacksonville State, an architect of the spread offense and a polarizing figure in his home state, replaces Neal Brown, who was fired on Dec. 1 after going 37-35 in six seasons, including 6-6 this year. TUCSON, Ariz. — Arizona star receiver Tetairoa McMillan declared for the NFL draft following three stellar seasons. McMillan announced his decision Thursday on Instagram. “Now, it’s time to take the next step. ... I’m officially declaring for the 2025 NFL Draft,” McMillan posted. “This is only the beginning.” McMillian is Arizona's all-time leader in receiving yards, finishing with 3,423 in three seasons, and is projected to be a first-round NFL draft pick. BRIEFLY FCS: The NCAA is taking its Football Championship Subdivision title game back to Tennessee. The FCS championship games at the end of the 2025 and 2026 seasons will be played in Nashville on the Vanderbilt campus. This season’s game will be played Jan. 6 at Toyota Stadium in Frisco, Texas, which will host the game for a record 15th season in a row and was set for at least two more. OC: UCLA announced Tino Sunseri’s hiring as offensive coordinator and quarterbacks coach. Sunseri replaces Eric Bieniemy, who was fired on Dec. 5 after fielding one of the nation’s worst offenses this season. Sunseri spent one season as Indiana’s co-offensive coordinator and quarterbacks coach after following Hoosiers coach Curt Cignetti from James Madison. Get local news delivered to your inbox!

Bailey scores 19 as Incarnate Word beats East Texas A&M 65-53

George Kresge Jr., who wowed talk show audiences as the The Amazing Kreskin, diesToday in History: November 30, WTO protesters and police clash in Seattle

Content Services Platform Market Size to $202.52 Billion by 2031, Transforming Digital Workflows: Allied Market Research

WINSTON-SALEM, N.C. (AP) — It wasn’t how Duke drew up the final play, but it worked out perfect for the Blue Devils in Saturday’s 23-17 victory over Wake Forest. Maalik Murphy threw a 39-yard touchdown pass to Jordan Moore as time expired, allowing Duke to end the regular season with three consecutive victories. Murphy said he realized he took too long to make a decision after the last snap. “I knew at that point I had to make a play,” he said. “The damage was already done, time was ticking.” With the score tied at 17, the Blue Devils (9-3, 5-3 Atlantic Coast Conference) moved 76 yards in 1:22 after forcing a Wake Forest punt. It appeared that Duke might run out of time in the slow-developing play, but Moore improvised and broke free along the right side, caught the ball at the 10-yard line and spun into the end zone to complete a comeback from 14 points down in the second half. “The play that Maalik and Jordan put together was magical,” Duke coach Manny Diaz said. “Nobody thought a 5-yard route would turn into a (long) touchdown.” So instead of a long field-goal attempt, Duke had something better. “I just decided to take it down the field,” Moore said. “I think that’s a testament to our chemistry. ... Maalik had the confidence in himself to make that kind of play.” It resulted in Duke’s sixth victory by seven points or less. “It’s like a perfect exclamation point to our season,” Diaz said. “An unbelievable way to finish our season.” Murphy racked up with 235 yards on 26-for-34 passing. Moore, who was down with an injury after a reception earlier in the second half, made five catches for 98 yards. Hank Bachmeier threw for 207 yards and a touchdown as Wake Forest (4-8, 2-6) ended its second straight four-win season with a four-game losing streak. “A heartbreaking loss,” Demon Deacons coach Dave Clawson said. “It’s a tough way to lose a game and a tough way to end the season.” Tate Carey’s 8-yard run, Matthew Dennis’ 37-yard field goal and Horatio Fields’ 9-yard reception across 11 minutes of game time gave Wake Forest a 17-3 lead with nine minutes left in the third quarter. Duke took advantage of a short field following a punt, moving 42 yards in four plays to score on Star Thomas’ 3-yard run. The Blue Devils recovered a fumble on the ensuing kickoff and converted on Murphy’s 2-yard run with 12:57 left to pull even. Story continues below video “What has been proven is that we’re mentally tough,” Diaz said. “We’re not going to do everything perfect.” Taylor Morin became Wake Forest’s all-time leader in receiving yards with 2,974. He picked up 47 yards on eight catches on Saturday. Morin, in his fifth season, passed former NFL player Ricky Proehl, who had 2,929 yards in the late 1980s. Duke: The Blue Devils have secured at least a nine-win season for the second time in three seasons, this one coming in Diaz’s first season. They racked up a 4-0 record against in-state opponents, including comebacks to top North Carolina and Wake Forest. “Every quest that we have for championships starts in our own state,” Diaz said. Wake Forest: The Demon Deacons punted on their final three possessions of the season. They finished with a 1-6 record in home games. “It’s been a tough year, a long year, and I’m proud of our team and how hard they fought,” Clawson said. Duke: Awaits a bowl invitation Wake Forest: Enters the offseason with a losing record for the third time in five seasons. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-footballEagles seek 7th straight win while Rams try to keep pace in crowded NFC West raceCerity Partners LLC grew its position in shares of Anheuser-Busch InBev SA/NV ( NYSE:BUD – Free Report ) by 61.9% in the third quarter, according to the company in its most recent Form 13F filing with the Securities & Exchange Commission. The institutional investor owned 61,061 shares of the consumer goods maker’s stock after purchasing an additional 23,348 shares during the period. Cerity Partners LLC’s holdings in Anheuser-Busch InBev SA/NV were worth $4,048,000 at the end of the most recent reporting period. Several other large investors have also recently made changes to their positions in the company. Raymond James Trust N.A. grew its holdings in Anheuser-Busch InBev SA/NV by 39.5% during the 3rd quarter. Raymond James Trust N.A. now owns 7,356 shares of the consumer goods maker’s stock valued at $488,000 after buying an additional 2,082 shares in the last quarter. Charles Schwab Investment Management Inc. grew its holdings in shares of Anheuser-Busch InBev SA/NV by 37.7% in the third quarter. Charles Schwab Investment Management Inc. now owns 57,870 shares of the consumer goods maker’s stock valued at $3,836,000 after purchasing an additional 15,837 shares in the last quarter. Thompson Siegel & Walmsley LLC increased its position in Anheuser-Busch InBev SA/NV by 10.7% in the third quarter. Thompson Siegel & Walmsley LLC now owns 152,567 shares of the consumer goods maker’s stock worth $10,114,000 after purchasing an additional 14,781 shares during the last quarter. Altman Advisors Inc. increased its position in Anheuser-Busch InBev SA/NV by 1.4% in the third quarter. Altman Advisors Inc. now owns 27,691 shares of the consumer goods maker’s stock worth $1,836,000 after purchasing an additional 372 shares during the last quarter. Finally, West Family Investments Inc. bought a new position in Anheuser-Busch InBev SA/NV during the third quarter valued at $289,000. 5.53% of the stock is owned by institutional investors. Wall Street Analyst Weigh In BUD has been the topic of a number of research reports. Barclays upgraded shares of Anheuser-Busch InBev SA/NV to a “strong-buy” rating in a report on Wednesday, October 9th. Morgan Stanley upped their price objective on Anheuser-Busch InBev SA/NV from $68.50 to $73.00 and gave the company an “overweight” rating in a research report on Tuesday, September 10th. Evercore ISI upgraded Anheuser-Busch InBev SA/NV to a “strong-buy” rating in a report on Monday, September 30th. TD Cowen lowered Anheuser-Busch InBev SA/NV from a “buy” rating to a “hold” rating and increased their price target for the company from $68.00 to $88.00 in a report on Tuesday, October 8th. Finally, Citigroup upgraded Anheuser-Busch InBev SA/NV from a “neutral” rating to a “buy” rating in a research report on Tuesday, October 1st. Three research analysts have rated the stock with a hold rating, four have assigned a buy rating and two have given a strong buy rating to the company. Based on data from MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and a consensus price target of $79.00. Anheuser-Busch InBev SA/NV Trading Down 0.5 % Shares of NYSE BUD opened at $53.80 on Friday. The business’s 50 day moving average price is $61.12 and its 200-day moving average price is $61.50. Anheuser-Busch InBev SA/NV has a fifty-two week low of $53.16 and a fifty-two week high of $67.49. The company has a debt-to-equity ratio of 0.85, a quick ratio of 0.51 and a current ratio of 0.69. The company has a market cap of $96.69 billion, a price-to-earnings ratio of 16.60, a PEG ratio of 1.73 and a beta of 1.12. Anheuser-Busch InBev SA/NV Profile ( Free Report ) Anheuser-Busch InBev SA/NV produces, distributes, exports, markets, and sells beer and beverages. It offers a portfolio of approximately 500 beer brands, which primarily include Budweiser, Corona, and Stella Artois; Beck's, Hoegaarden, Leffe, and Michelob Ultra; and Aguila, Antarctica, Bud Light, Brahma, Cass, Castle, Castle Lite, Cristal, Harbin, Jupiler, Modelo Especial, Quilmes, Victoria, Sedrin, and Skol brands. Read More Want to see what other hedge funds are holding BUD? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Anheuser-Busch InBev SA/NV ( NYSE:BUD – Free Report ). 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Last week, I went to the Originator Connect holiday party and conference in Irvine. It was a good opportunity to sniff out innovative mortgage financing tools aimed at helping consumers just like you. For me, the find of the day was a home equity line of credit (HELOC) allowing bank statement deposits to be used as an income qualifying substitute for tax returns. I’ve come across bank statement fixed-rate second mortgages, where an applicant must pull all the money out at once, but I’ve never come across this concept for HELOCs. The big advantage with a HELOC is it allows you to borrow and pay it back, sort of like a business line of credit or a credit card, but at significantly cheaper rates. Many self-employed borrowers can show a nice flow of income through bank deposits, but the money doesn’t translate well enough when it comes to claiming enough qualifying net income on a tax return. Legitimate (or even illegitimate) expenses claimed on tax returns whittle down the taxable income. Hence, the bank statement loan program works for those who are unable to meet “full documentation” income and debt-ratio qualifications. What’s the catch? A borrower is going to pay a higher rate and more fees on this HELOC compared with a standard bank HELOC. Beggars can’t be choosers. If you can’t get a bank HELOC, you may be able to get a bank statement HELOC. Here’s an example: $500,000 loan, 75% loan-to-value and 740 middle FICO score offers a start rate of 10.125%. Assume points and closing costs of $7,000. Compare that to a full doc (tax returns to provide the income) bank HELOC, to which you might be paying zero costs with a starting rate of 8.25%. Among the program highlights: This twist on a HELOC is available for owner-occupied residences, second homes and investment properties. The maximum loan amount is $750,000. The borrower must pull out at least 80% of the line amount at closing. You cannot pay any of it back for 90 days. It’s a 20-year term. You can borrow and pay back for the first five years at interest-only payments. A borrower will have an additional 15 years to pay the line back. Also, you can pull out as much as 85% of the equity from your property. American Business Media (the conference organizer) arranges 30 shows a year around the United States. I asked the director of events, Navindra Persaud, what was the hottest topic for mortgage brokers these days. “Navigating higher (mortgage) rates and finding diversity to their (consumer) product offerings,” he told me. Speaking of diversity, another very interesting program is another version of fog-the-mirror lending (if you can fog a mirror, we’ll give you a loan). If you have the same or more liquid assets compared with the loan balance, no questions are asked about any job or income. That section of the application is left blank. For example, you are applying for a $750,000 mortgage. You are currently unemployed. And you can show $750,000 of money between your bank and brokerage accounts. You qualify for this fog-the-mirror-2.0 loan. As an aside, fog-the-mirror 1.0 includes no job or income, just nine months of payment reserves and excellent credit. No need to be able to match your mortgage balance with your liquid assets. Fog the mirror 1.0 carries a 8-8.5% interest rate on a 30-year fixed with about 2 points cost. The version 2.0 rate is between 7.5% and 8% with 2 points. Related Articles Housing | 30-year mortgage down to October levels at 6.69% Housing | Privatizing Fannie Mae would cause mortgage rates to soar, economist says Housing | FHFA loan limits rising to $1.2 million in LA and OC, top $806,000 in Inland Empire Housing | California affordability fixes: 3.5% loans, 50% raises, or 33% home-price cuts? Housing | ‘Difference is Trump’: American homebuyers brace for rate pain Other exotic loans Mixed-use: More and more new buildings are offering a combination of retail space and homes. Industry jargon for this is “mixed use.” For the most part, it’s hard to find mixed-use financing. One lender allows residential or commercial zoning for two to eight units, with a loan amount up to $2 million. Not bad. The rate is roughly 7.25% for a 30-year fixed with 2 points. Foreign borrowers: ITIN (individual taxpayer identification number) in lieu of a Social Security number, DACA and foreign national loans all were on display. The foreign national loan required zero U.S. credit, so long as the borrower is putting at least 30% down. The investor-borrower cannot reside in the U.S. Talk about the world being your oyster. When mortgage shopping and there seems to be nothing you want or need, be sure to have at least three mortgage brokers tell you the same thing: “It’s not out there.” Otherwise, keep looking, because you just might find a program that fits your needs. Freddie Mac rate news The 30-year fixed rate averaged 6.69%, 12 basis points lower than last week. The 15-year fixed rate averaged 5.96%, 14 basis points lower than last week. The Mortgage Bankers Association reported a 2.8% mortgage application increase compared with one week ago. Bottom line: Assuming a borrower gets the average 30-year fixed rate on a conforming $806,500 loan, last year’s payment was $183 more than this week’s payment of $5,199. What I see: Locally, well-qualified borrowers can get the following fixed-rate mortgages with one point: A 30-year FHA at 5.625%, a 15-year conventional at 5.5%, a 30-year conventional at 6.25%, a 15-year conventional high balance at 5.99% ($806,501 to $1,209,750 in LA and OC and $806,501 to $1,077,550 in San Diego), a 30-year-high balance conventional at 6.5% and a jumbo 30-year fixed at 6.375%. Eye-catcher loan program of the week: A 30-year mortgage, with 30% down locked for the first 5 years at 5.875% with 1 point cost. Jeff Lazerson, president of Mortgage Grader, can be reached at 949-322-8640 or jlazerson@mortgagegrader.com .Arab Water Council preparatory meeting opens at Dead Sea ahead of 6th Arab water conferenceBoston Fleet fall 3-1 at Toronto in PWHL season-opening game