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Campaign manager says Trump would have posted several negative tests by debate time (which isn’t possible to know right now) and that they’ll do a rally instead. pic.twitter.com/bctppZft9H— Maggie Haberman (@maggieNYT) October 8, 2020 242

Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

CHICAGO, Ill. -- Historical housing practices in the U.S. have put many communities of color at a disadvantage. It’s not necessarily due to individuals being racist. It’s due to housing policies nearly a century ago that still affects people of color today, otherwise known as systemic racism.Chicago is a classic example of a city that’s still very segregated. Marketta Sims was born and raised in Chicago. She lost her mother at 14, was incarcerated for more than a decade, and upon being released, she became homeless.“Homelessness is mentally, physically, spiritually, emotionally draining,” Sims said.Sims says she was on the streets for a year and a half.“What’s my meal for the day? What am I going to wear? How am I going to take a bath?" Sims said. "And then people look at you like ‘oh, they just want to be lazy.' Some people actually have jobs and be actually homeless. And work like I did. I worked, and still was homeless.”Sims joined a program through a homeless shelter, moved into transitional housing and now she lives in an apartment with her fiancé. However, it wasn’t easy. She says it took a lot of hard work and determination to get there.“They make sure that you have to jump through all type of loopholes to get to housing,” Sims said.To understand the disadvantages people of color face currently, we must understand what was going on in the housing realm back in the 1930s. Kendra Freeman is the director of community engagement with the Metropolitan Planning Council in Chicago. The Metropolitan Planning Council is a planning and policy-change not-for-profit organization founded in 1934 to improve housing conditions in the city of Chicago. It was also in the 1930s that a practice called "redlining" made its way across the nation.“Redlining was an intentional process that was used by the real estate industry and the financing industry to really color-code communities and steer where lending happened," Freeman said. "So essentially if you’re in a majority black community or community of color, typically those were colored red and rated as undesirable high-risk neighborhoods.”Think of it as a stop light. Green meant it was a good community to invest in, blue meant it was fairly good, yellow meant you should take a step back and red was deemed hazardous. A lender or government agency was able to make decisions on who gets a mortgage and who doesn’t by looking at the maps and experts say it was a discriminatory practice based on the race and ethnicity of people who lived in a certain neighborhood.“It’s all remarkably racist,” Dr. Robert Nelson at the University of Richmond said.Dr. Robert Nelson is the director of Digital Scholarship Lab at the University of Richmond which has been working to develop an atlas of U.S. history. One project is called Mapping Inequality and shows how cities in the U.S. were broken up.It wasn’t just Black communities. Other minorities were singled out as well: Syrian, Japanese, Latino, Polish, and even Jewish. Dr. Nelson says it’s important to note redlining was a federal program produced by the federal government with federal oversight and it nationalized lending practice standards.“These are not maps that were just produced by banks that had discriminatory lending practices," Dr. Nelson said. "This is the federal government saying discriminatory racist lending policies is best practice in the industry.”Dr. Nelson says money was channeled to white, middle-class families, causing inter-generational wealth. In other words, they were able to build wealth and pass it on as inheritance to their kids.“Typically in America the way that you build wealth is through home ownership and real estate," Freeman said. "So when you look back to my grandfather, your grandfather and their ability to buy a home, and traditionally you get a job, buy a home, you raise a family and you build equity in that home – and you can use that equity to do things like send your kids to college or invest in a business, or help your grandchildren with a down payment for their first home.”Even though redlining became illegal through the Fair Housing Act of 1968, Co-Executive Director Giana Baker with the Chicago Area Fair Housing Alliance says decades of the practice contributed to racial disparities we see now and the disinvestment in Black communities for generations is clear.“If we take those same maps in that era that were created through the Home Owner Loans Corporation, those same communities on the west and south sides are communities where they have a rich legacy in the people who live there, but we also see that those are the communities that there are food deserts where there may not be grocery stores,” Baker said.Baker says even she is impacted.“In the community that I live in – which is a suburb outside of Chicago, but it is a predominantly Black suburb that has been disinvested – my house does not have the same value that it would have if I was just one neighborhood over.”There’s no easy solution to eliminating barriers of housing for people. Baker says her organization is advocating for everyone to have equal access to affordable housing, meaning people would be able to pay their rent and still have money left over for groceries, childcare and medical expenses.According to Freeman, the first step in American society should be shifting perceptions so people of color are seen as human beings with an equitable opportunity for housing and wealth. Then comes programs – like the one that helped Sims find housing – but what will make the most difference is a change in policy.“We can do things to help improve conditions through programs, but if you don’t get to the core of changing policy that holds those inequities in place, then you’re not changing the problem,” Freeman said.Changing policy is part of the work Freeman and her team is trying to do at Metropolitan Planning Council. However, she says it will take everyone to do the hard work of structural change.“Know that housing is a human right," Sims said. "I will stand and I will fight.” 6061

CARLSBAD, Calif. (KGTV) - The family of an 18-year-old man shot and killed in Carlsbad last July says they’re upset with the sentence handed down for the man who supplied the gun in the shooting.Connor Mangseth is described by family as someone who lived life to the fullest, inspiring those around him to do the same. His mother said he would befriend anyone, no matter their background, and that’s what led to his death this year. On July 23, Connor went to the home of a friend and 19-year-old Gerardo Gonzales, another friend, was also present. Gonzalez was already facing felony charges for another crime and was out on bail.RELATED: Teen girl, young man arrested in Carlsbad shooting deathGerardo had a gun, which he gave to a 16-year-old female who was also with them. She said she thought it was empty when she pulled the trigger, but there was a bullet inside, which struck and killed Connor. Connor’s sister said it’s what happened next that deserves justice.“The worst part is the things that happened after that. It was that Gerardo Gonzales and this minor left to go hide the gun, they created a false story involving two other gunman and they spent 20 minutes doing this instead of anyone calling 911 or getting help,” said Sabrina Mangseth.Gerardo was charged with Accessory After the Fact and Child Endangerment. The Mangseth family said they are angry at the court system for how they handled these charges. Connor’s mother, Maureen, said they got silence from the District Attorney’s office, then she got a call saying Gerardo had taken a plea deal, something she was not told about ahead of time. She said she feels like the prosecutor was trying to rush the case rather than find justice, adding that to her knowledge, investigators have not completed their investigation and have more evidence to review.Sabrina started an online petition to bring awareness to the lack of communication during the case, gathering more than 6,000 signatures. A description in the petition describes Connor’s passion for life and the family’s desire for the court to take back the plea deal and wait to make any decisions until all evidence has been gathered.Ultimately, a second prosecutor was brought in to handle the case, but the guilty plea remained. Wednesday, Gerardo was sentenced to probation and up to one year in jail. Maureen said it doesn’t look likely that he’ll serve jail time. Sabrina did add that the second prosecutor did a better job of communicating with their family.“Gerardo Gonzales himself, in the trial, said Connor was my best friend and for him to do that to his best friend, I can’t even imagine what he would do to a stranger, someone else,” said Sabrina, worried about the lack of punishment for Gerardo.When asked for a response to the sentencing and plea deal, a spokesperson for the District Attorney’s office said: “This is obviously a tragic case and we have been in very close contact with the victim's family in recent weeks as we continue to seek justice for their loss. Two defendants were charged in connection with this murder. The defendant who is not the actual killer pleaded guilty to both counts he was charged with, including Accessory After the Fact and Child Endangerment, with an agreement from the People that there would be no opposition to a local jail sentence. The second defendant, a minor, remains charged with murder."The 16-year-old who pulled the trigger is facing murder charges and is next expected in court Nov. 9, 2020. 3495

CARLSBAD, Calif. (KGTV) -- Police have identified the suspects who reportedly attacked a Carlsbad woman, stabbing her to death during an attempted burglary Monday morning. According to police, Ian Bushee, 37, and Malissa James, 26, who are both transients, were arrested on the 4800 block of Park Drive Monday. Both are on probation in San Bernardino for residential burglary. Police say Bushee was arrested for homicide, burglary, conspiracy, auto theft and accessory after the fact. James was arrested for homicide, burglary, conspiracy and auto theft. “The Police Department shares the communities’ concern over such a tragic incident,” Police Chief Neil Gallucci said. “Our thoughts and prayers go out to the victim’s family.”The incident was reported at around 12:30 a.m. at a home in the 1800 block of Outrigger Lane, just north of the Agua Hedionda Lagoon, according to Carlsbad police.MUST-READ: Victims in deadly paragliding accident at Torrey Pines Gliderport identifiedPolice said the suspects broke into the home, and during the break-in, a woman in the house was stabbed. Officers told 10News that the victim was able to call 911 to report the incident.When officers arrived, the 64-year-old woman -- who suffered multiple stab wounds -- was conscious and breathing. She was taken to the hospital but died from her injuries at Scripps La Jolla Hospital about an hour later.After the incident, police say both Bushee and James fled the scene in the victim’s vehicle. The vehicle was located on the 800 block of Grand Avenue in San Marcos.The victim's identity was not released. 1597