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The National Retail Federation does surveys on this every year and time and time again, gift cards are the most requested holiday gift. But every single year, 171

The FBI analyzed a sample of alleged Bigfoot hairs in the 1970s "in the interest of research and scientific inquiry" that turned out to be deer hairs, according to 176

The Federal Reserve on Wednesday voted to raise interest rates despite new signs of economic softening and weeks of market volatility.Central bankers unanimously agreed under Chairman Jerome Powell to lift the federal funds rate, which controls the cost of mortgages, credit cards and other borrowing, to a range of 2.25% and 2.5%.Interest rates have increased seven times since President Donald Trump took office. Four of those increases have been under Powell.The policy decision comes even as Trump called on the Fed to move cautiously "before they make yet another mistake," shortly before policy makers began their two-day policy-setting meeting in Washington on Tuesday. 688

The convenience stores of Westeros have done good business in recent weeks.Just two weeks after eagle-eyed viewers spotted a rogue takeaway coffee cup in an episode of "Game of Thrones," the show's highly anticipated finale left fans bemused once again.This time, a plastic water bottle made a cameo appearance. Eight years of fighting for the Iron Throne can leave you a bit parched, after all.The bottle debuted in a tense scene as characters discussed the fate of Westeros.Viewers spotted it tucked behind Samwell Tarly's foot, and the show was in hot water on Twitter just moments later.Some viewers said they spied a second water bottle later in the episode.The latest gaffe creates a new headache for HBO, which handled the coffee cup incident deftly, with a lighthearted statement."The latte that appeared in the episode was a mistake. Daenerys had ordered an herbal tea," the company said.The final season of the worldwide phenomenon has received underwhelming reviews and a frosty reception from many longtime fans, who complain the show has been rushed.For some, this latest modern intrusion only made things worse.More than a million people have 1169

The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983

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