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SOLANA BEACH, Calif. (KGTV) - An art gallery in Solana Beach is taking drastic measures to try and survive the coronavirus pandemic.Exclusive Collections is holding it's first ever sale on fine art, offering paintings and more for as much as 50% off."You know art doesn't really go on sale," says owner Ruth-Ann Thorn. "But here we are in this time where you have to do what you have to do to keep the doors open."Thorn has been collecting art for 25 years, often buying pieces from artists who hold shows in her gallery. While her shop was closed during the Pademic, she made the difficult decision to go through her warehouse and see what she could sell."I got very emotional, and I almost broke down," Thorn says. "We needed to make some very serious decisions on how we're going to keep the doors open. And it requires a sacrifice to let go of these things."Thorn says her sale offers even non-collectors a once-in-a-lifetime opportunity to purchase an investment piece. She's hopeful she'll sell enough to make ends meet until business picks back up."If you've never bought art before you're gonna get you know the deal of a century," she says.Exclusive Collections gallery is open from noon to 5 pm every day. They are also selling and holding auctions of some of the art on their website. 1303

ST. JOHNSBURY, Vt. -- From the outside, it looks like a typical white clapboard chapel. Step inside, though, and you’ll find yourself transported to thousands upon thousands of memories about man’s best friend.“It was it was a labor of love for sure,” said Scott Buckingham, with the nonprofit Friends of Dog Mountain. “They were constantly making trade-offs: ‘eating or should I buy materials for the chapel?’”“They” are Stephen and Gwen Huneck, husband and wife artists, who bought an old dairy farm outside St. Johnsbury, Vermont, and proceeded to build a chapel in honor of dogs.Scott Buckingham heads up the nonprofit running it all.“Steven and Gwen's background was in art, in wood prints and furniture and sculpting, and their primary subject matter was dogs,” he said. “So, when they purchased this property that was their intent, was to make this a place that served dogs and honored our relationship with dogs and pets.”They finished the chapel 20 years ago.Since then, with 30,000 people visiting each year from around the country and the world, the walls of the chapel have become a host to personal and emotional notes, cards and photos, inches thick, in honor of departed dogs.“When that relationship comes to an end, we're left very empty,” Buckingham said. “And what you see here are notes that are trying to capture and express their gratitude for a really, really fantastic relationship.”One visitor noted, it “brings back memories of my last dog. I’m going to be in tears if I don’t start thinking of something else.”Yet, it’s more than just a dog chapel. It’s a whole mountain property of 150 acres called “Dog Mountain.” There’s trails for dogs to explore, along with wide open spaces to run in and several ponds to swim in.“A place where they can come and their dogs can be free and play,” Buckingham said.Stephen and Gwen Huneck have since passed away, but their artwork – mostly about dogs – lives on in a gallery on the property and, of course, in the dog chapel they built from scratch.“It's a really profound experience to come here and spend some quiet time reading the notes,” Buckingham said. “You'll see, even when I think about it and I talk about it, it just chokes you up a little bit. There's a whole lot of love in this room.”It’s an unconditional love captured there to stand the test of time. 2338

SEOUL, South Korea (AP) — K-pop star and TV celebrity Goo Hara was found dead at her home in Seoul on Sunday, police said.Police said an acquaintance found the 28-year-old dead at her home in southern Seoul and reported it to authorities.The cause of death wasn’t immediately known. Police refused to provide further details.Goo made her debut in 2008 as a member of the girl group Kara, which had big followings in South Korea, Japan and other Asian countries. She later worked as a solo artist and appeared on many TV shows.In May, Goo was reportedly found unconscious at her home and was hospitalized.She was embroiled last year in public disputes with an ex-boyfriend who claimed to be assaulted by her. Goo accused the man of having threatened to circulate a sex video of her. The case made her the subject of tabloid fodder and malicious online messages.In October, another K-pop star and actress, Sulli, was found dead at her home near Seoul. The 25-year-old was known for her feminist voice and outspokenness that was rare among female entertainers in deeply conservative South Korea. Before her death, she appeared in a TV show and spoke out against online backlash she received over her lifestyle. 1215

ST. PETERSBURG, Fla. — Governor Ron DeSantis announced Florida will enter Phase 3 of reopening the state's economy.Effective immediately, Gov. DeSantis announced Friday in his press conference in St. Petersburg that restaurants and select businesses can operate at full capacity.Phase 3 of Gov. DeSantis' "SAFE. SMART. STEP-BY-STEP PLAN" ensures Floridians that restaurants can reopen at a minimum 50% capacity if the local government prohibits them from reopening at full capacity.“Everybody has an opportunity and the right to work. Every business has the right to operate,” said Gov. DeSantis said.With Phase 3, Gov. DeSantis said he will no longer place limitations on businesses due to coronavirus concerns."There will not be limitations from the state of Florida," Gov. DeSantis said.The Florida Restaurant and Lodging Association (FRLA) President and CEO Carol Dover said the pandemic has caused 336,000 people in the industry to lose their jobs.“The effects on the local and state economy have been significant. I want to thank Governor DeSantis and DBPR Secretary Halsey Beshears for their support as we have navigated this unprecedented time and for allowing us the opportunity to get back to work,” Dover said in a press release.The announcement comes just days after bars and breweries were allowed to reopen in Florida.Florida's top business regulator Halsey Beshears announced just 15 days ago that the state is rescinding Executive Order 20-09. The executive order, issued earlier in the summer, suspended bars from serving alcohol on their premises.Gov. DeSantis said if the local government wants to keep businesses from reopening at a minimum of 50% capacity, they must make their case to the state on why they want to place the restrictions and identify the costs involved.Gov. DeSantis also announced on Friday that he’s suspending all fines and penalties against people accused of not wearing masks.FRLA is expected to unveil Gov. DeSantis' executive order on rolling out Phase 3 sometime Friday night.This story was first reported by KJ Hiramoto at WFTS in Tampa, Florida. 2102

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828