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Sports teams add charitable games to stands

MIKE CRONIN
Associated Press

MINNEAPOLIS (AP) — Margaret Johnson figured she was simply donating to charity when she spent $20 on 40 raffle tickets during a recent Minnesota Twins baseball game.

“When they put the winning number on the Jumbotron, I was quite confident it would not be ours,” said Johnson, a 51-year-old nurse who splits her time between Minneapolis and San Antonio, Texas.

Instead, Johnson took home just more than $1,400 Tuesday in the Twins Split the Pot Raffle. The other half of the money went to the Friends of St. Paul Baseball and the Twins Community Fund, two Twin Cities nonprofits that seek to enrich lives through baseball participating in baseball. Some teams call that type of charitable gambling a “50/50 raffle.”

With each new sports season, more teams are latching on to the raffle game. Football’s Detroit Lions and Buffalo Bills went live last season, joining several other clubs. The latest baseball franchises to go that route are the Twins and St. Louis Cardinals. The tickets can be found in basketball arenas and pro hockey rinks. Even some collegiate stadiums are adding the feature, such as Michigan State.

But as the games spread, teams and their allied charities are encountering government bureaucracies. In Minnesota, one charity brought on a pair of lobbyists this month to help obtain gambling licenses to pave the way for the high-tech Twins games. The team waded into the raffle last year on a limited basis and is now selling tickets at almost every home game.

A bill before California’s Legislature would write special raffle rules for nonprofits associated with pro sports leagues that allow them to pay out 50 percent as prize money. That has angered other groups that conduct raffles in the state which, under existing law, must devote at least 90 percent of ticket sale proceeds to the underlying charitable cause. The bill faces a Friday deadline to advance through the Assembly or it is considered dead for the year.

“It’s a trend, not just in baseball, but across sports,” said Michael Hall, vice present of community relations for the Cardinals and executive director of Cardinals Care, a nonprofit that focuses on helping St. Louis metro-area youth. “It’s a good way to raise funds while giving fans a way to win as well.”

Fans at Target Field in Minneapolis had the opportunity to play on Opening Day in April, then not again until Monday night. Now, the raffle will occur during each home game throughout the season, said Stephanie Johnson, (no relation to Margaret Johnson), who manages the Twins Community Fund.

Before the first pitch and during the game, fans at Twins games are able to buy raffle tickets at the Twins Community Fund kiosk on the concourse level of Target Field behind home plate. Once the game begins, raffle-ticket vendors such as Elena Katorosz, 20, roam the stadium’s sections hawking raffle tickets much like other vendors sell hot dogs, peanuts or beer.

Clad in black pants and a bright red short-sleeved shirt with “Twins” inscribed in white letters, Katorosz sold ticket packages of $2 for one ticket, $5 for three tickets, $10 for 10 tickets and $20 for 40 tickets. Minnesota law caps take-home winnings at $10,000, said Steve Pedersen, licensing supervisor for the Minnesota Gambling Control Board. Other states, such as Wisconsin, have no such limits.

Working high above the field on the third base side, the University of Minnesota senior used a hand-held computer to print out the tickets for each customer. The electronic system keeps a real-time tally of the pot’s total — an additional selling point to potential customers, Stephanie Johnson said.

Keith Chapman, 62, an Apple Valley resident who works as a shuttle driver at a local Honda dealership bought three tickets for $5 from Katorosz.

“It goes to a good cause,” Chapman said, adding that he’s contributed to the Twins Community Fund before, but never in this manner.

By late summer, the Twins Split the Pot Raffle will be run by the Ted Williams Museum & Hitters Hall of Fame in St. Petersburg, Florida. The museum’s director, David McCarthy, has helped implement the 50/50 raffle’s electronic system in other pro sports stadiums, Twins spokesman Kevin Smith said.

“They’ve been a good partner of ours over time,” Smith said. “It’s their business. They know what they’re doing. We wanted to work with them to make sure we knew what we were doing before we went big-time.”

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. 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But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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