Chicago Bears hire Eric Washington — ‘a great communicator with elite leadership skills’ — as defensive coordinator

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For the first time since September, Chicago Bears coach Matt Eberflus will have a separate defensive coordinator on his staff.

The Bears announced Saturday that they hired Buffalo Bills assistant head coach and defensive line coach Eric Washington to be their new DC. Washington previously coached with the Bears from 2008-10 under Lovie Smith and served as the defensive line coach in 2010 with defensive coordinator Rod Marinelli, an Eberflus mentor.

Washington coached the Bills defensive line since 2020 and was promoted to senior defensive assistant in 2022 and assistant head coach in 2023. He has two years of defensive coordinator experience with the Carolina Panthers in 2018-19 under Ron Rivera. Before that, he coached the Panthers defensive line for seven seasons.

The Bills defense ranked in the top 10 in multiple categories in 2023, including total yards and passing yards allowed per game, sack rate, interception rate and points allowed per game.

Washington is considered a strong teacher and leader who is detailed in his focus on fundamentals and will be able to help the coaching staff schematically, a source said.

“He is a great communicator with elite leadership skills and he will enhance our current defensive staff,” Eberflus said in a statement Saturday. “His track record speaks for itself with coordinator experience as well as expertise in the area of defensive line.”

Eberflus did not fill the defensive coordinator position in September when Alan Williams resigned for what sources told the Tribune was conduct-related reasons, though Eberflus did add senior defensive analyst Phil Snow to help scout opponents. Eberflus took over play calling, and with the help of the addition of defensive end Montez Sweat, helped the defense turn around from a rough start.

Eberflus said this month that he still was determining whether he would continue to call plays after bringing in a coordinator, but NFL Network reported Saturday that the expectation is Eberflus will remain in that role.

“It’s something I’ve stated I love to do,” Eberflus said this month. “But as we talk to these candidates, we’re going to keep everything open right now.”

Washington will help ease the load for Eberflus, who noted during the season he was working later nights to fill both roles. Eberflus said he was looking for a coordinator with high character who was a strong motivator. He wanted someone who could lead the defensive room while Eberflus addresses other areas of the team.

“My family and I are beyond excited to be returning to the Chicago Bears,” Washington said in a statement. “It is humbling to have the opportunity to contribute to one of the most esteemed sports organizations in the world.”

While the Bears fired five offensive coaches — including coordinator Luke Getsy — when their 7-10 season ended, Eberflus opted to keep the defensive staff intact. Washington joins a group that includes cornerbacks coach/defensive passing game coordinator Jon Hoke, defensive line coach Travis Smith, linebackers coach Dave Borgonzi and safeties coach Andre Curtis.

The Bears finished 12th with 324.2 yards allowed per game and had the top-ranked rushing defense, allowing just 86.4 yards per game on the ground. They also finished with a league-best 3.57% interception rate after totaling 22 interceptions to go with six fumble-recovery takeaways.

Their passing defense, ranked 25th with 237.8 yards allowed per game, and their league-worst 4.86% sack rate need improvement.

Washington joins what the Bears hope is an ascending group. He played tight end at Grambling State and also coached defensive line at Northwestern (2004-07) and Ohio (2001-03).

The Bears reportedly interviewed at least three other coaches to join their defensive staff: former Green Bay Packers defensive coordinator Joe Barry, Tennessee Titans assistant head coach/defensive line Terrell Williams and Titans defensive pass game coordinator Chris Harris.

Washington will be the Bears’ third major hire since the season ended. They have announced the

Wedding loans: How to finance wedding costs

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Hanneh Bareham | (TNS) Bankrate.com

Whether you’d like a large, extravagant wedding or a small, casual affair, you may find yourself short on cash as you get deeper into planning out the details. This is where a wedding loan could be helpful in making your big day a dream come true.

Wedding loans make sense for some scenarios, but not all. Weigh the alternatives before jumping to a loan to ensure you’re starting your life with your new spouse on the right financial foot.

What a wedding loan is

A wedding loan is often a personal loan used to cover various wedding expenses, including the wedding venue, catering and a videographer.

A wedding loan is marketed toward engaged couples who are planning weddings. Some couples may use a wedding loan to finance certain parts of their big day, such as upgrading catering options, while others will use financing to pay for the whole event.

These loans are easy and quick to apply for — many lenders will even approve you online in a few minutes. The interest rate you’ll receive varies and is typically based on your income, credit score and current debts.

While some loans are marketed specifically as wedding loans, you’re generally free to use any type of personal loan to cover wedding costs, including home equity loans.

The cost of a wedding loan

How much a wedding loan costs depends on various factors, such as your loan term, interest rate and how much you want to borrow. You can use a personal loan calculator to easily determine how much your exact loan will cost.

The following table shows the costs of a three- and five-year loan with a 10 percent annual percentage rate.

3-year, $10,000 wedding loan at 10%5-year, 10,000 wedding loan at 10%

Monthly payments
$323
$212

Total Interest paid
$1,616.19
2,748.23

Total borrowing costs
$11,616.19
$12,748.23

When to get a wedding loan

It’s easy to get carried away planning the wedding of your dreams, especially with the constant influence of social media platforms. But it’s not advised that you take out a wedding loan unless it’s necessary.

When deciding whether to take out a loan, think about how crucial a larger budget really is. If you’re able to reduce costs in any way to better fit your available funds, then a wedding loan may not be necessary and you just saved yourself thousands of dollars.

Since wedding loans are unsecured, you don’t need to put anything up for collateral. While this reduces your personal risk, it increases the lender’s risk — meaning it is harder to get approved and get a competitive interest rate without a good credit score. But if you have excellent credit, you may be able to get a large loan at a low rate.

Pros and cons of wedding loans

When considering whether to finance your wedding, it’s important to consider the benefits and drawbacks before apply.

Pros of wedding loans

Soft credit checks: Lenders that offer wedding loans often allow you to prequalify so you can see the loan offers at your disposal without hurting your credit.
Potentially lower interest rates:Compared to credit cards, interest rates for wedding loans are usually lower and can save you thousands of dollars.
Longer repayment terms: Most wedding loans offer repayment terms of three to five years, so you can take your time paying your wedding off.
They’re unsecured loans: Since wedding loans are unsecured, you don’t risk losing your house, your car or any other asset you own if you’re unable to repay them.

Cons of wedding loans

Involve taking on debt: Wedding loans can steer you into a serious cycle of debt, especially if you already have other debt.
Interest rates can be high: If you don’t have a good credit score, you may have to settle for a high interest rate that can increase the overall cost of your loan.
Can lead to unnecessary spending: Wedding loans may lead you to spend on upgrades and extras you wouldn’t consider if you paid for your wedding with the cash you have on hand.

How to apply for wedding loans

To apply for wedding loans, follow these five steps:

Check your credit: Figure out where your credit stands by checking your credit score. If you don’t have the best credit, you may want to take steps to improve it before you apply for a loan.
Shop for lenders: There is no shortage of wedding loan lenders — from banks to credit unions. Check each lender’s credit requirements, funding times, loan rates and terms so you can determine which ones are a good fit.
Get prequalified: Many lenders offer a prequalification process that won’t impact your credit score and can give you an idea of the loans available to you. To prequalify, you’ll need to fill out a short form with your personal details.
Compare offers: Closely compare the wedding loan offers you receive. Consider interest rates, terms and fees. Choose the most favorable option that will save you the most money.
Apply: Once you decide on a wedding loan, complete the formal application. Most lenders offer quick approval for qualified applicants and typically deposit funds within a few business days or even 24 hours.

Alternative wedding financing options

If a personal loan isn’t in your wedding plan or you don’t think it’s the best fit for your situation, there are financing alternatives that may fit more comfortably into your financial portfolio.

Credit cards

Some credit cards offer an introductory 0 percent APR for a set period — typically between 12 and 24 months — after you open the account. This means you have time to pay off the balance without being charged interest.

A 0 percent APR credit card can be a great way to pay for vendor deposits and other immediate costs you can’t cover right away but can pay off in the next few months. Just make sure you can pay off the amount before the promotional period ends.

Personal savings

Try saving for a few years before a wedding. Dipping into a wedding-specific savings account you and your betrothed have will be better in the long run, since you won’t have to pay interest on loans or credit cards used to finance a wedding.

Ways to save

Create a budget: Look at your monthly income and expenses. Then, come up with a budget that works for your lifestyle needs and allows you to save for a wedding.
Take advantage of credit card perks: Many credit cards offer rewards such as cash back and points that you can redeem for free or discounted things such as airfare, lodging or gift cards.
Automate savings: Arrange for some of your paychecks to automatically go into your wedding savings account. This can allow you to save without much thought or effort.

Help from family members

Some family members may be willing to help you pay for a wedding. If a family member wants to help foot the bill for the big day, this is a good way to finance a wedding without having to get a wedding loan, use a credit card or dip into your own savings.

The bottom line

With the cost of an average wedding steadily climbing, fewer people can finance their big day out of pocket. Wedding loans are becoming more widely available due to demand and may offer more favorable interest rates than credit cards and other financing options.

But before you put yourself into debt, consider whether you need to finance wedding costs or if you can reduce the total price by making a few small sacrifices that won’t affect your experience. If you decide that financing a wedding with a personal loan is the right move for you, research and compare rates and fees from many lenders to find the best deal.

Key takeaways

• You could use a personal loan to cover several wedding costs, like a professional photographer or caterer.

• How much a wedding loan costs depends on various factors, such as your interest rate, repayment term and loan amount.

• Your eligibility for a wedding loan and how much you can borrow usually depends on your income, credit score and outstanding debt load.

• Before you use a personal loan to finance your wedding, consider alternatives, such as a credit card with a low APR promotional period or personal savings.

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(Visit Bankrate online at bankrate.com.)

©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

Former president of Honduras convicted in US of aiding drug traffickers

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By LARRY NEUMEISTER (Associated Press)

NEW YORK (AP) — Former Honduran President Juan Orlando Hernández was convicted Friday in New York of charges that he conspired with drug traffickers and used his military and national police force to enable tons of cocaine to make it unhindered into the United States.

The jury returned its verdict at a federal court after a two week trial, which has been closely followed in his home country.

Hernández, 55, served two terms as the leader of the Central American nation of roughly 10 million people. He was arrested at his home in Tegucigalpa, the Honduran capital, three months after leaving office in 2022 and was extradited to the U.S. in April of that year.

U.S. prosecutors accused Hernández of working with drug traffickers as long ago as 2004, saying he took millions of dollars in bribes as he rose from rural congressman to president of the National Congress and then to the country’s highest office.

Hernández acknowledged in trial testimony that drug money was paid to virtually all political parties in Honduras, but he denied accepting bribes himself.

He noted that he had visited the White House and met U.S. presidents as he cast himself as a champion in the war on drugs who worked with the U.S. to curb the flow of drugs to the U.S.

In one instance, he said, he was warned by the FBI that a drug cartel wanted to assassinate him.

He said his accusers fabricated their claims about him in bids for leniency for their crimes.

“They all have motivation to lie, and they are professional liars,” Hernández said.

But the prosecution mocked Hernández for seemingly claiming to be the only honest politician in Honduras.

During closing arguments Wednesday, Assistant U.S. Attorney Jacob Gutwillig told the jury that a corrupt Hernández “paved a cocaine superhighway to the United States.”

Defense attorney Renato Stabile said his client “has been wrongfully charged” as he urged an acquittal.

Trial witnesses included traffickers who admitted responsibility for dozens of murders and said Hernández was an enthusiastic protector of some of the world’s most powerful cocaine dealers, including notorious Mexican drug lord Joaquín “El Chapo” Guzmán, who is serving a life prison term in the U.S.

Hernández, wearing a suit throughout the trial, was mostly dispassionate as he testified through an interpreter, repeatedly saying “no sir” as he was asked if he ever paid bribes or promised to protect traffickers from extradition to the U.S.

His brother Juan Antonio “Tony” Hernández, a former Honduran congressman, was sentenced to life in 2021 in Manhattan federal court for his own conviction on drug charges.

Chicago White Sox manager Pedro Grifol gives an offseason update — including what he recently told starter Dylan Cease

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Chicago White Sox players participated in an obstacle course with kids at the Boys & Girls Clubs of Chicago during a surprise visit Thursday in Bridgeport.

The Sox experienced several hurdles last season on the way to 101 losses. They’ll attempt to find the path to improvement with pitchers and catchers scheduled to report to spring training Feb. 14.

Manager Pedro Grifol isn’t thinking about the first game of the season or beyond.

“I’m thinking about the first week of spring training and we’ve got to win that first week,” Grifol said at Thursday’s event. “We’ve got to go into spring training and prepare ourselves to win baseball games. We’ll take it five to seven days at a time and we’ll continue to evaluate the week and correct the things we need to correct and go from there.

“There’s a lot of work to be done before that first game. There’s a lot of conversations between our staff and the players and we’ll be ready to play come day one.”

There have been pitching and hitting summits since the final out of the woeful 2023 season.

“Once that last game was over, the calendar changed for us,” Grifol said. “There’s been really good communication. (General manager) Chris (Getz) installed the pillars he wants the organization to abide by. I’ll have my style of play I want to see on the field and the players will be a part of the process.

“There is a lot of things that are different (this spring compared to last). The energy in spring training I thought last year was OK, but it’s hard to evaluate it because we had so many guys who weren’t there (with the World Baseball Classic taking place). But that’s something we’re going to focus on, the details are something we’re going to focus on.”

Grifol knows it has to be more than just talk.

“When I put myself in the eyes of the fans, we’ve got to prove it on the field,” he said. “I can stand here today and say, ‘We’re going to do this or do that.’ That’s not what this is about. This is about us preparing ourselves to play and prove to our fans — they had a difficult year last year — that we’re going to come out and play a different style of baseball.”

Grifol said he’s most excited about getting to spring training “because the energy we have, that our players are showing, the energy that our front office and coaching staff is showing. We have five new coaches on our staff. And plus what we did last year. We’re motivated, we’re excited to come back and prove to this league that we’re capable of doing some good things. I just feel it, there is a good vibe.”

Grifol likes the moves the team has made this offseason and anticipates a lot of competition at camp.

“Last year we went into spring training probably six or seven starters deep, this year you’re probably looking at 15-16 starters,” he said. “Some of these guys are young, some ended the year in Double A, some in Triple A. Just to look at our depth compared to where we were at this time last year is really encouraging for us.”

One of those experienced starters could be Dylan Cease, who has been mentioned in trade speculation throughout the offseason. Grifol said Cease has been “unfazed” by the chatter.

“I talked to him yesterday, it was a great conversation and we talked about him (pitching) opening day,” Grifol said. “And he’s preparing himself for that and he feels great. He’s throwing pens, he doesn’t have any soreness, he’s excited about this club. He’s excited about the guys we’ve acquired, excited about our catching. Brian Bannister is part of the organization (as senior adviser to pitching), he’s excited to get to work with him and (pitching coach) Ethan (Katz).

“He’s unfazed by all these trade talks and all this stuff. If it happens, he understands the business. But like I told him and he told me, right now he’s our opening-day starter and get ready to do that.”

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