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WHEAT RIDGE, Colo. — If dedication to a passion distinguishes a champion from a crowd, Marlys Halbeisen just might be the one who stands out.“Nothing would be anything without her,” said Tamera Halbeisen, Marlys' daughter-in-law.“They’re not just getting a card, they’re getting a message from us saying – ‘We care about you,’” Marlys Halbeisen said.For the past three years, Marlys has transformed her Wheat Ridge home into a smaller version of Santa’s workshop for a cause near and dear to her heart.“My husband was in the military,” Marlys said. “He served in the Korean War.”In 2018, she personalized 2,700 Christmas cards for troops overseas.Last year, she did 18,000. And this year — an astounding 40,000.“The pandemic was good,” Marlys said, laughing. “I couldn’t go anywhere, so I just worked on cards.”KMGH first met Marlys last year, when the company she had lined up to ship the cards simply vanished.In the days that followed, KMGH viewers stepped up and donated so much money to the TV station's fund, that they not only paid for the shipping last year, they were able to pay for the cards and shipping this year, as well.“After visiting three stores, I bought 35,000 cards,” Marlys said.She also received about 5,000 donated cards.“Cards come every day," Marlys said. “Yesterday, I got a bag of cards.”The plan this year was to have multiple card-writing parties. That didn’t happen.“We were going to have everybody for the fun night – write the cards,” Marlys said. “Well, of course, the pandemic prevented that.”And yet, somehow, this 78-year-old would find the silver lining.“It was wonderful,” Marlys said. “I was never bored. Everybody said, ‘Oh, ‘I’m so bored.’ And I go, ‘Well, why don’t you write some cards?’”It’s also been said that one can’t expect everyone to have the same dedication as one does one's self.“Well, you know, I always thought that you find the best help at the end of your arms," Marlys said.And so it was. This one woman show who amazed us last year did it again this year.“Beyond proud,” Tamera said. “I mean, this has just given her even more dedication.”“This does make such a huge difference in a GI’s life,” said James Boxrud, manager with the U.S. Postal Service in Denver. “I remember being overseas at Christmas when I was in the service. It was so special when you received a card.”“Just spreading the love,” Tamera said.There is still a need for additional funding for postage in order to ship the cards from Washington, D.C. to troops overseas. You can donate directly here: United Soldiers and Sailors of America.This story was originally published by Russell Haythorn at KMGH. 2640

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

WHY DID HE REFUSE TO ENDORSE SLOW JOE UNTIL IT WAS ALL OVER, AND EVEN THEN WAS VERY LATE? WHY DID HE TRY TO GET HIM NOT TO RUN?— Donald J. Trump (@realDonaldTrump) August 20, 2020 187

When Hurricane Michael made landfall Wednesday as a Category 4 storm, it brought 150 miles per hour winds, 14-foot storm surges, flash floods and heavy rains.But news of this coming disaster also brought charities and volunteers to the scene to help with immediate rescues and long-term recovery. You can assist these efforts by clicking the 'Take Action' button below or through?this link.If you are in the hurricane's path or had to evacuate, you can let friends and family know that you are safe through the American Red Cross Safe and Well page and Facebook's Safety Check on their Hurricane Michael Crisis Response page. Both of these tools can also be used to check on people you know in the area. 726

While unofficial vote count totals show that Joe Biden has won the 2020 election and will become the 46th President of the United States, President Donald Trump has yet to concede. In fact, the Trump administration has so far blocked the transition process from getting underway.Trump has falsely claimed victory in the election on the unproven basis of widespread voter fraud. The campaign has filed several lawsuits in states where vote counts are tight, but it's unlikely that those lawsuits will result in a massive swing in votes needed to change the outcome of the election.However, there are a handful of Republican lawmakers that have recognized Joe Biden as the President-elect, and more still that have said the transition process should get underway while courts hear Trump's challenges.Below is a list of high-ranking Republicans currently in office that have congratulated Biden or called for the transition process to begin.Sen. Mike Rounds, South DakotaIn an interview with NBC News, Rounds, who won re-election earlier this month, did not directly respond to questions about Trump's claims of widespread voter fraud. However, he did say that "certain parts" of the transition team should "move forward."Sen. Marco Rubio, FloridaWhile Rubio has echoed the Trump administration's unsubstantiated claims of widespread voter fraud, falsely claiming that Republicans should be suspicious about mail-in voting. However, in an interview with Bloomberg News, Rubio said that the General Services Administration (GSA) should open up transition funds."We need to have that contingency in place," Rubio said. "I don't think allowing the GSA to move forward on some of the transition work prejudices in any way any of the legal claims the president intends to make."Sen. Ben Sasse, NebraskaAnother moderate Republican who won re-eleciton earlier this month, Sasse congratulated Biden in a statement issued to the Omaha World-Herald."Melissa and I congratulate the next president, Joe Biden, and the next vice president, Kamala Harris," the Nebraska Republican said in a statement. "Today in our house we pray for both President Trump and President-Elect Biden, that both would be wise in the execution of their respective duties during this important time in our nation."Sen. Pat Toomey, PennsylvaniaOn Nov. 10, the Republican senator told a Pittsburgh-area TV station that he thinks the Trump administration should begin the transition process."We're on a path it looks likely Joe Biden is going to be the next president of the United States. It's not 100% certain but it is quite likely. So I think a transition process ought to begin," Toomey told WTAE-TV.Gov. Mike DeWine, OhioIn an interview with CNN on Thursday, DeWine said that he recognizes Biden as President-elect, but added that the Trump administration has every right to challenge the results of the election."Look, I think that we need to consider the former vice president as the President-elect. Joe Biden is the President-elect," DeWine said. "The White House has every — the president and his campaign has every right to go into court. Our courts are open. Our courts are the best place, frankly, to adjudicate facts. We just all need to take a deep breath. There is a process for all of this. You need to follow the process. And we need to move this country forward."Sen. Mitt Romney, Utah 3371