Things That Matter

Here’s What Is Going On With The LAPD Officer Who Filed A False Police Report

At the beginning of 2019, Empire actor Jussie Smollett famously reported that he had been the victim of a hate crime. About three weeks later, Smollett was charged with disorderly conduct and filing a false police report—it had been discovered that the attack was staged, and that Smollett himself had planned the whole thing. Although the charges against Smollett were dropped, he was all over headlines last year, earning a national reputation as a liar and ultimately being fired from his role on Empire.

In August of 2019, a similar situation arose within the Los Angeles Police Department, when a sheriff’s deputy falsely claimed that he was shot by a sniper outside the Lancaster police station. After days of searching for the alleged gunman, it became clear that Angel Reinosa had fabricated his story. He had not been shot, after all—instead, he had used a knife to create fake bullet wounds in his uniform, asserting that his bulletproof vest had saved his life.

“There were many things that didn’t add up,” said Sheriff’s Capt. Kent Wegener. No bullets had been recovered from the scene, and they had no leads on a suspect—they searched a nearby apartment building, assuming that the shooter was inside, but of course they found nothing.

But this didn’t exactly surprise investigators and colleagues, who were suspicious of Reinosa’s story from the very beginning. A number of sheriff’s officials told the LA Times that “his radio call about the incident was too calm even for a veteran, a hole in his shirt too big for the minor wound he claimed to have suffered.”

The LA Times also reported that by the end of the day that Reinosa made the report, the search for the suspected gunman had been halted. Homicide detectives, assisted by forensic experts, instead turned their attention to Reinosa. And by 9:30 PM, Reinosa’s involvement in the case was considered highly suspect. Not long after, he admitted to the police that he had fabricated the incident, though he didn’t reveal his motives for doing so.

In the case of Jussie Smollett, Police Superintendent Eddie Johnson said in a press conference that the motive for feigning the hate crime was fiscal in nature. He claimed that “Smollett took advantage of the pain and anger of racism to promote his career, because he was dissatisfied with his salary.” Folks have speculated that Reinosa’s situation was rather similar—it had to do with a certain dissatisfaction at work.

Lancaster Mayor R. Rex Parris said that sheriff’s officials had divulged details about Reinosa’s difficulties with his first year in the field. Typically, the first year constitutes a probationary training period that all deputies must complete before becoming deputies, and Reinosa was struggling to keep up.

“He was not advancing through the training program at an adequate pace,” Parris said. “There had been a lot of attention on him.”

And just a few days ago, Reinosa was taken into police custody when he was served an arrest warrant during a traffic stop. He was arrested for insurance fraud and for filing a false police report, and he was transferred to Los Angeles County Jail. His bail was set at $40,000, and unlike Smollett, Reinosa was not able to immediately settle his case with a payment.

Authorities say that the charges of insurance fraud are related to the workers comp claims Reinosa made after the incident. If he is convicted of these charges, he could face up to five and a half years in county jail.

As soon as authorities discovered that the shooting had been a hoax, they called an 11 PM press conference to address the situation. In an interview, Sheriff Alex Villanueva confirmed the desire to ensure that Reinosa’s actions were met with what they deemed the appropriate legal response.

“We are all appalled and disappointed. We took the deputy at his word at first,” Villanueva said. “We intend to hold the individual responsible for breaking the law and most importantly for betraying the community.”

Similar sentiments were expressed by authorities in Smollett’s case, as well as Smollett’s fellow Empire cast members. Lee Daniels, the creator of Empire, referred to the “pain and anger and sadness and frustration” that he and his cast endured, adding that he and his team “really [didn’t] know how to deal with it.”

He also said that Empire “was made to bring America together” and to “talk about the atrocities that are happening right now in the streets”—a message that was in direct contrast with Smollett’s actions.

The Lancaster sheriff’s website expressed a similar sense of disappointment, yet also emphasized the importance of community in situations like these:

“We are saddened by the outcome of the investigation, but are so grateful to our community for their cooperation on Wednesday and your ongoing support everyday. The actions of one individual are not indicative of who Lancaster Sheriff’s Station Deputies are.”

You Can Still Watch Kobe And Gianna Bryant’s Tearful Memorial Service

Entertainment

You Can Still Watch Kobe And Gianna Bryant’s Tearful Memorial Service

CNN / Twitter

It was a sad and reflective day at the Staples Center today as fans and friends of the late basketball player Kobe Bryant gathered to celebrate his life as well as that of his daughter Gianna Bryant. The memorial held in their honor saw guests speak about their lives, passion for the game of basketball and love for the people they left behind.

Here’s a look at the top most emotional moments from the memorial today.

Christina Aguilera’s “Ave Maria” performance

The six-time Grammy Award-winning singer Christina Aguilera took the stage at Staples to perform “Ave Maria” for Kobe and Gianna Bryant’s memorial service.

Shaq reflected on his rivalry with Kobe.

Shaquille O’Neal, Kobe Bryant’s long time competitor, opened up about life as his teammate.

“We fought and we bantered back and forth with offhanded remarks, but make no mistakes, and you folks thought we were on bad terms, and when the cameras were turned off we would wink at each other and said, ‘let’s go whip some ass.'”

O’Neil also shared a sweet anecdote about their relationship as teammates. “Kobe and I always maintained a deep respect and love with one another. The day Kobe gained my respect was when the guys were complaining, and they said, Kobe’s not passing the ball. I said I will talk to him. I said, Kobe, there’s no “I” in team, and he said, I know, but there’s a “Me” in that m**********r.” Shaq recalled he returned back to his other teammates and said “Just get the rebound, he’s not passing.”26 min ago

Michael Jordan described Kobe’s death saying “a piece of me died.”

Michael Jordan had long been attributed to being Kobe Bryant’s inspiration for his successful basketball careers. Speaking about learning about Bryant’s death, Jordan said “When Kobe Bryant died, a piece of me died.”

Kobe’s wife Vanessa brought the stadium to tears with her speech.

Though Kobe’s wife Vanessa gave her speech early on during the memorial, her’s was by far the most sentimental and emotional. Speaking about her daughter Giana, Vanessa recalled how she was “very thoughtful and always kissed me good night and kissed me good morning. There were a few occasions where I was absolutely tired from being up with Bianka and Capri, and i thought she had left to school without saying goodbye. I text and say, ‘No kiss?’ And Gianna would reply with, ‘Mama, I kissed you. You were asleep and I didn’t want to wake you.’ She knew how much her morning and evening kisses meant to me, and she was so thoughtful to remember to kiss me every day. She was daddy’s girl, but I know she loved her mama, and she would always show me and tell me that she loved me. She was one of my very best friends.”

Speaking about her husband Kobe, Vanessa recalled how “A couple weeks before they passed Kobe sent me a sweet text and mentioned how he wanted to spend time together, just the two of us, without our kids, because I am his best friend first. We never got the chance to do it. We were busy taking care of our girls and just doing our regular everyday responsibilities. But I’m thankful I have that recent text. It means so much to me. Kobe wanted us to renew our vows. He wanted Natalia to take over his company and he wanted to travel the world together. We talked about how we would be the fun grandparents to our daughters’ children. He would have been the coolest grandpa..”

I Have $150k in Debt — Here’s What Financial Experts Told Me To Do

Things That Matter

I Have $150k in Debt — Here’s What Financial Experts Told Me To Do

Suriyo Hmun Kaew / EyeEm / Getty Images

Money is a topic that is difficult to talk about. Traditionally, society has told us that there are three things that we should not talk about in polite company: religion, politics, and money. Well, politics seems to be the only thing anyone talks about these days. As for religion, well, I’m of the “to each their own” policy. But money is something that we often still ignore — especially when it comes to frank discussions about debt.

Nobody likes to admit that they have debt. Whether it’s credit card debt, student loans, or paying off cars, most of us have something that we’re keeping quiet about. According to CNBC, 70 percent of college students are graduating with a “significant amount of loans” which total $1.5 trillion in debt for the over 44 million Americans who have student loan debt. In fact, a recent survey revealed that two-thirds of millennials have at least $10,000 in student debt and more than a third admitted to over $30,000 in debt, according to Inc.

Even worse, 42 percent of those that had more than $30,000 in debt were women and 11 percent of millennials have over $100,000 in student loan debt. Unsurprisingly, credit card debt is actually even higher for millennials (at 46 percent) and car loans come in just behind student loans (at 34 percent). Then there’s also medical debt to think about, as well as the 20 percent of millennials who actually have a mortgage.

Some of us, like me, have debt in all of the categories.

When my husband and I met and moved in together just six weeks into our relationship, we did it because we were in love and knew we wanted to be together for the long haul.

ehplusmoney/Instagram

However, what we didn’t know at the time (and came to learn very quickly) is that we both came with a heaping amount of debt. Now, two and a half years into our relationship and nine months into our marriage, I can tell you that our debt has only increased: Collectively, we have around $150,000 in debt — about $100k of that in student loans, $40k in car loans, and another $10k in credit cards and medical bills. Add to that the fact that we just bought our first house and, well, our financial situation has gotten a bit more complicated.

It’s not easy to talk about finances, and it’s especially not an easy thing to do with someone you love. Sadly, money is often cited as a common cause of marriages falling apart — which is precisely why my husband and I are trying to tackle these issues sooner than later. I know that we won’t get out of debt any time soon, but having a secure financial plan is a good way to step into our future, together. So, shortly, after getting married, we decided to speak with some financial experts about how exactly to tackle our $150k in debt… WITHOUT driving each other crazy or stopping some of our other personal goals (like traveling together or having kids in the next couple of years).

Nora Dunn, a former Certified Financial Planner and blogger behind the financially savvy travel site, The Professional Hobo, told us that a lot of it depends on what we as a couple are earning and what our goals are. Dunn advised that my husband and I evaluate the importance of each of our goals. Was buying a house more important than taking vacation? How much did we expect to spend on a house based on the market in our area? According to her, it was all about taking an ‘everything in moderation’ plan, where we would examine our take-home income and expenses, and then divide our disposable income between different goals, depending on how our goals are prioritized.

After some discussion, we decided that prioritizing goals, and dividing our income accordingly, definitely seemed like a good place to start. In fact, Shana Bickel, CPA and Financial Coach, mirrored that advice when she told me that “it is not for me to tell the couple how to prioritize their financial goals.” The important thing, she says, is “to identify and get very clear about those goals and then develop a plan to pay off debt while saving for a home and allowing travel that makes sense for their financial health and well being.”

Another financial expert took a more straightforward approach.

black_girl_success/Instagram

“Sell those cars!” said Lynne Somerman and The Wiser Miser. “If you’ve got big financial goals like this, there’s no situation where I can recommend $40K in car loans when you can buy a reliable used vehicle for $10K. Even assuming you still need two cars, that’s $30K that you’ve now got towards a down payment. After that, it would depend on the type and interest rates on the student loans. If they’re private loans, go aggressively after them. If the interest is higher than about 4-5% on the student loans, they’d be my next priority. If their income is high enough, you could do both here.”

However, David Rae, a Certified Financial Planner based in Los Angeles, has a more realistic approach.

“Get those cars paid off and drive them forever!” he advised. “You don’t need a new car every two or three years. My car is paid off, and I plan to drive it forever. Each of those car payments is like a trip to Europe each year. Would you rather have a brand new car or a trip to Europe?”

He’s definitely right about that, which is why we have made paying off our cars our #2 priority (after paying off our credit cards), since we’d also like to save for an international trip in the near future. Rae also reminds me that, although student loans are important, so is saving for retirement.

“The student loans are going to take a long time to pay off. Get serious about them, but make sure to contribute to your retirement at least enough to get a company match,” he said. “This will be like free money from your boss, and the government will give you break on your taxes.”

Meanwhile, Ashley Feinstein Gerstley, a money coach who runs The Fiscal Femme, said that it is all about opportunity cost.

“We can only use or spend each dollar we have once, no matter how much or little money we have,” she reminds me. “How can we use it in a way that will maximize our joy per dollar in the shorter and long-term? It’s about looking at each option and choosing consciously. If a couple is paying down their debt and that’s really important to them but they also want to travel, they might decide to let go of expenses in other areas to make that work. What expenses aren’t bringing them much joy? Would they rather live in a less expensive apartment for the time being so that they have more money to travel? When we take a look at each expense annually (including our bills) it’s much easier to see where our money is going and decide if we want to allocate it any differently.”

Taking a look at our overall finances, my husband and I were able to use this advice to devise some financial goals, set some priorities, create a payment plan, and figure out what we want to save for.

barefootbudgetmama/Instagram

It took some serious negotiating but we came away with a clearer picture of our finances. It’s not going to be easy, mind you. Having debt as a couple is difficult, but unfortunately, something that almost all of us face these days. If you don’t have student loans, then you might have a car payment or credit card debt or medical bills from that time before ACA when you didn’t have health insurance and ended up in the hospital (guilty!). But ultimately, the best thing you can do for yourself when it comes to your finances, whether you are coupled up or not, is to do the work to figure it out.

As Rae put it, “Get serious about your finances now — it won’t get easier when you have kids. You may make more money but you will be busier and tired. Parenting is hard. Just saying.”