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Many had suspected that up-and-coming rapper Cardi B was expected but, it was all confirmed to the world on Saturday Night Live thanks to the dress made by Anne Arundel County, Maryland native Christian Siriano.Siriano was born and raised in Annapolis where he attended Broadneck High School for his freshman year before transferring to Baltimore School for the Arts where he graduated.The 32-year-old first gained national attention after winning the fourth season of reality fashion design show Project Runway, becoming the series' youngest winner. In 2008 he launched The Christian Siriano collection which is shown each season at New York Fashion Week.              On Saturday while performing her new single “Be Careful” from her debut studio album "Invasion of Privacy" Cardi B who's real name is Belcalis Almanzar picked Siriano to make her dress who is no stranger in styling the star. 992

LOUISVILLE, Ky. -- Senate Majority Leader Mitch McConnell says there will be a peaceful transfer of power if Joe Biden wins the 2020 presidential election.When asked by WLEX's Karolina Buczek if a peaceful transfer of power would take place once the election is settled and the former vice president ends up winning the Electoral College, McConnell responded with "of course" on Friday. 394

Many mental health facilities were closed earlier this year due to the pandemic, so therapists had to find new ways to reach their patients. Over the course of 2020, providers have come up with a number of innovative ways to help -- such as by using biofeedback devices.“They're really visually able to see OK, this is actually working and calming me down. And secondarily for our therapist, it allows them another data point to watch what their patient is doing,” Brett Shrewsbury, chief commercial officer for Meru Health, said.It’s just one of the tools in the toolbox for mental health therapists to better connect with and understand their patients without meeting in person.“It allows us and the therapist to take the patient through exercises of deep breathing and heart rate variability and shows visually, within our app and the Bluetooth connection we have, how their deep breathing is having a positive impact,” Shrewsbury said. “We built a program that solely is to treat depression and anxiety effectively. So there’s self-care and digital content and it’s guided by that licensed therapist that's taking the patient through.”Meru Health works with a number of companies and health plans, one of them being the Mental Health Center of Denver.“Our goal was to meet people where they are and they’re on these screens,” Alires Almon, director of innovation for The Mental Health Center of Denver, said.“Part of our digital capabilities include the text messages, then we have the curated resources that people can explore on their own,” she said. “People that we serve get the opportunity to get all these digital capabilities at their fingertips.”This comes at a time where taking care of your mental health is more important than ever. 78% of Americans said the coronavirus is a significant source of stress, according to the American Psychological Association.More than 1 in 3 adults have reported symptoms of anxiety or depression during the pandemic, up from 11% last year, according to information from the Kaiser Family Foundation.“The demand is increasing day over day, and especially the longer this pandemic happens the more demand and the more acceptable it is for people to reach out which creates more of a demand,” Almon said.But with the use of technology, centers like this one can help meet that rising demand.“Looking at our total toolkit, technology is an important means to become a force multiplier,” Wes Williams, vice president at The Mental Health Center of Denver, said.He said they went from five to 4,000 telehealth sessions a week in a one- week transition. However, it will take more than telehealth sessions to expand the number of people they can help.“A therapist can still only see five or six patients a day even through teletherapy, where as with our program where they’re texting back and forth more than they’re doing face to face sessions, we’re able to scale right now almost six times scalability,”Shrewsbury said.Mental health centers are experimenting with more possibilities to help reach people where they’re at.“Everyone realized there's a need for mental health and I think people are starting to bring innovation in,” Shrewsbury said. 3199

MILLIKEN, Colo. — Beatriz Rangel holds onto precious moments with her father. She took hundreds of pictures over the years, and now, she is more grateful than ever to have them.Her family made time to visit each other every single week, but they also loved vacationing together. “We’d just hit the road and go everywhere,” said Rangel of her parents and siblings.Looking back on their moments of joy is now helping Rangel find a shred of peace.“He loved posing for pictures and I loved taking them,” she said of her dad, Saul Sanchez. “We had so many good times.”She never expected those memories to end so soon. “I still have a hard time believing that my father is gone.”At 78 years old, Sanchez died on April 7 after a weeks-long battle with COVID-19. The loss is still fresh in Rangel’s mind.“I got a text, a group text message, from my older sister that said, ‘Dad and mom were just here. Dad can't even walk. There's something definitely wrong,’” said Rangel.Soon after, Sanchez went to the hospital and he tested positive for the virus. That was the last time his family would see him in person.Rangel made sure to speak to her dad as much as she could while he was in the hospital. “I called him and he sounded great,” she said. “He’s like, ‘Hi honey, hola mija. You know I'm doing OK. I’ll be fine, I’ll be back to work on Monday,’” Rangel remembered.However, Sanchez never left his hospital bed. Within days, doctors put the father of six on a ventilator.“We just thought, ‘Oh they're going to help him breathe,’” said Rangel.Sanchez’s condition took a turn for the worse suddenly and Rangel got a call she will never forget.“They're like, ‘We want you to say goodbye, and they're taking him off the ventilator.’ I just told him that…that I loved him, and I was going to miss him, and thank you for all the lessons, but I knew he wanted us to be happy. You know, he wanted us to find joy in whatever we did, 'cause he loved life. They took him off the ventilator, and within like two, three minutes he passed away, so it was very, very hard,” said Rangel through tears.Months later, with the pain of the loss still just as deep as it was in the spring, the true cost of this virus is becoming all too clear to Rangel and her family.“He helped so many people, and he was, for our family, the glue. So I think we all really, really miss that. We miss that one person that always made us feel like anything was possible.”Saul Sanchez’s life proved just that. He brought his family from Mexico to America, leaving his life behind for a better future for his children.“He came here with nothing because of my sister Patty being sick and needing health care, and his biggest thing was education. He went and got his GED at 60, 60 years old. He didn't care about his age, he cared about what he could learn and how he could be a help to society and contribute to the community,” said Rangel.Losing the person who cared about her family most is making a time of year meant for joy harder than she imagined, and now Rangel just hopes her community will see the hole in her heart as a warning to keep others safe.“I feel like he was my backbone, and I don’t have it anymore,” said Rangel. “You go through, ‘Who am I?’ You’re lost, because I don’t have him to tell me, ‘Honey you’re going to be fine, you’re going to be great.’”For the more than 250,000 Americans who have passed away from COVID-19 this year, their families know the same pain. Counselors say making time for the traditions your loved one enjoyed can help honor their memory. That’s something Rangel plans to do.“It’s very hard to have the spirit to want to celebrate,” she said. “It is going through the motions, but we still have to do it because that's what Dad would want.”Even though this Christmas cannot bring her the gift she really wants, Rangel knows the warmth and kindness her dad showed her will be there.“There is a lot of goodness that went away with him, but I was thankful, grateful to have him fifty two years of my life,” she said. 4024

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063