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Final moments carry a weight.“I know in my heart he knew I was with him, and that was when I had to make the decision to tell him it was ok to let go, recalled Laurie Beaudette of her final moments with her father.“It was because I loved my dad so much and I didn’t want him to suffer.”Beaudette’s father, Jim Mandeville, was a veteran who served during the Korean War. He had most recently been living at the Soldiers' Home in Holyoke in western Massachusetts."He was in the Soldiers' Home for over 16 years, made a lot of friends," Beaudette said.In April, she says her 83-year-old dad’s health quickly declined."The week before Easter, we were FaceTiming and he looked like a zombie, and he couldn’t respond to me," she recalled.On April 14, Jim Mandeville died after testing positive for COVID-19.“The cramped rooms, they had way too many beds,” she explained of her father’s living conditions. “Veterans roomed, they were definitely not social distanced.”The number of people at Soldiers' Home who have died from the virus stands at 76.“It was written up by 2010 by the VA for not having sufficient space between beds,” said Paul Barabani, who served as the facility’s superintendent from 2011 to 2016. “There wasn’t enough room to get by the bed, and the wall with a walker, wheelchairs were out of the question.”He says in 2012, he submitted a 6 million expansion and renovation plan to create more space, but the state never acted on it.“I often say, only if that they listened, if they had increased the staff, as well as renovating the building, the outcome may have been different," he said.Barabani is part of the Holyoke Soldiers' Home Coalition. The group is made up of former Soldiers' Home employees and family members of residents.The coalition is working is calling for better staffing, improved facilities, and other measures to make sure an outbreak doesn't happen again at the facility.In June, an independent investigation commissioned by the governor of Massachusetts said decisions made by the home’s leadership were “utterly baffling.”The report included a social worker’s quote, stating it “felt it was like moving the concentration camp—we [were] moving these unknowing veterans off to die.”The state’s secretary of veteran services subsequently resigned, and the home’s superintendent was fired.“What I would like to say to the state right now and to leaders and politicians is, make this right," said Cheryl Turgeon, whose father is living at the facility. "Make it right now, and don’t wait. There is no excuse for waiting, knowing what we do right now.”Gov. Charlie Baker released a plan in response to the report that includes million going towards infection control and a promise to add more staffing.Turgeon’s father is still inside Soldiers’ Home.“He’s going to be 90 in September, and I want to see him hit that milestone I want to see him make that 90th birthday," she said.Turgeon is part of the Holyoke Soldiers Home Coalition, and so is Cheryl Malandrinos.“My father-in-law was more than number 63, who died at the Soldier's Home," Malandrinos said.Malandrinos’ father-in-law served overseas and returned to spend decades as a public school teacher in western Massachusetts.She says in April his health declined over the course of a week.The Malandrinos family had to say the same goodbye tens of thousands of families have said nationwide. Many members of the family were not allowed inside the hospital and had to say goodbye through video chat.While the Holyoke Soldiers' Home Coalition and many others are pushing leaders to right the wrongs that lead to the outbreak to create a better future, for the families of the 76 lost lives, the mistakes, mismanagement, and this virus have left a forever mark.“For me, I’m the one who made the decision to put him in the Soldiers' Home. I’m the one who promised him he wouldn’t die alone. I have to live with that, and I have to get up every day and realize what I thought was a godsend for him, probably ended his life early,” Turgeon said. “And I could not fulfill the one promise that I made to him when I put him in there, because he did not want to go, so I have to deal with that every day.” 4198

For the first time, we are all about to experience a holiday season during a pandemic. Industry experts are reporting it will be drastically different this year, especially for holiday shoppers.“The traditional Christmas holiday sale season is pretty chaotic,” said Bill Thorne. “There's not going to be a whole lot of that chaos this year.”Thorne is with the National Retail Federation. He’s has gathered key insight into what the holiday shopping experience will instead be like this year.“It is going to be an entirely different experience,” Thorne reinforced.One of the biggest changes is that many retailers have reevaluated Black Friday traditions, starting with staying open on Thanksgiving Day.“There are a number or brands, large brand that have already announced they are not going to be open on Thanksgiving Day and I believe that is for a number of reasons,” explained Thorne. “Primary among them are to give those associates and employees an opportunity to be at home, be with their family, to celebrate the most important thing that they have, which is each other.”Some of the retailers that have announced they will be closed this Thanksgiving include: Best Buy, Boscov’s, Foot Locker, Home Depot, JCPenney, Macy’s, Target, Walmart, and Costco.Most of those retailers will reopen the day after and some will offer a “Black Friday” sale, but the shopping experience will still be very different.“I don’t believe the vast majority will be opening at excessive early hours,” said Thorne. "I think they are going to greatly discourage people from lining up and if there are lines, they will be socially distanced, you won’t be able to just storm the store.”The number of people allowed in a store will be limited, as many retailers report crowd control will be a huge focus on Black Friday and throughout the holiday shopping season. So much so that companies like Walmart, Target, and Home Depot are trying to reduce the crowds, nearly two months in advance, by offering major Christmas sales this month.“There are several brands that have indicated they are going to do Black Friday sales every Friday until Christmas,” Thorne explained. “You are going to hear retailers reinforcing the deals you would normally get post-Thanksgiving you are going to get starting tomorrow.”The National Retail Federation believes Black Friday sales spread over three months, versus one day, may not only be a safer shopping experience, but it may ensure shoppers actually get the gifts they want before stores potentially and abruptly close again. Another rise in COVID-19 cases has some cities mulling over that idea. 2623

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

Five people were taken to a hospital after an explosion occurred at a refinery in Wisconsin, the local fire chief told the Associated Press. The incident happened at 10 a.m. local time at the Husky Energy oil refinery in Superior, Wisconsin. There are no known fatalities, AP reported. The five people were taken to hospitals in Duluth, Minnesota after the explosion, Superior Fire Chief Steve Panger told AP. AP originally reported six were taken to the hospital. The fire started when a small tank exploded, AP reported. The fire has been controlled, the Superior Police Department reported on Facebook. The police department reported there is no immediate or ongoing threat to employees or the community at this time.   760

Former?President George H.W. Bush is being honored with a state funeral — an official gathering that includes current and former presidents and world leaders to mark the life of the 41st President.President Donald Trump and first lady Melania Trump are at the service at Washington National Cathedral and sitting in the front row with former presidents Bill Clinton, George W. Bush and Jimmy Carter. Their wives are sitting next to each of them.PHOTOS: State funeral for George H.W. Bush  511

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