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Sen. Marco Rubio had a chance at payback Wednesday, when President Donald Trump noticeably sipped from a water bottle multiple times during a speech -- a move Trump had mocked Rubio for during the 2016 campaign."Similar, but needs work on his form. Has to be done in one single motion & eyes should never leave the camera. But not bad for his 1st time," Rubio tweeted Wednesday afternoon, linking to a video of Trump stopping mid-speech to look for his water bottle. 478

ST. PETERSBURG, Fla. — A toddler lovingly known as the "Baby Shark Girl" is making big strides.When WFTS first met Harper Mae Comparin, the then-2-year-old girl born with spina bifida was learning how to walk via a very unique method: the "Baby Shark" song.Her physical therapist at Johns Hopkins All Children's Hospital used the syncopation of the love-it-or-hate-it kids jingle to get Harper Mae to move. And it worked.Now, a year and a half later, her team of medical workers and family members continue to use inventive methods to help her deal with complications related to the birth defect in which the spinal cord fails to develop properly.She needed therapy to walk and to talk.Physical therapist assistant Nick Hamilton, who works at Johns Hopkins All Children's Hospital, recently helped Harper Mae when she was scared of getting her leg cast sawed off."I'm a big kid, so I fit right in here," Hamilton said.So, he improvised. He made a cast for Harper Mae's Elsa doll. And it worked."Having her baby doll that she carries with her everywhere get a cast just like hers has helped her feel better about it," said mom Erica Comparin.Hamilton says a big part of Harper Mae's therapy is "improvisation." Her parents agree.Harper Mae was already an Internet star for her "Baby Shark" moves, but now she's lighting things up online again with her unique trips to Disney World.Chasing characters all over the parks, scampering up ride queues, Harper is developing muscle in the most magical place on earth."She doesn't even realize she's doing it," said dad Fred Comparin.To follow the adventures of Harper Mae on Instagram, click here.This story was originally published by Sean Daly at WFTS. 1704

SHERMAN HEIGHTS, Calif. (KGTV) - A storage facility for homeless people to keep their belongings is at capacity, leading some people to call for expansion.The facility is in Sherman Heights, near 20th Street and Commercial. It opened in June of 2018 with room for 500 bins.It was full by Halloween.Now there is a 200 person waiting list. The city initially wanted to put 1000 storage bins in the warehouse, but pushback from neighbors led to a compromise of just 500.Neighbors worried that the facility would be a magnet for homeless people, drawing them to the area.Six months later, people who spoke to 10News say the opposite has happened. They still see homeless people in the area, but not any more than before the facility opened.They also say the amount of clutter on the streets and sidewalks has decreased dramatically.Crime has also gone down in the area. According to the crimemapping.com website, there were 188 crimes reported within 1500 feet of the facility in August of 2018. In December, that number had dropped to 73 (see chart above).Part of that is from extra police patrol. A recent police department report says that SDPD is spending nearly million on overtime to add patrols in the neighborhood of the facility.City officials told the San Diego Union Tribune they have no plans to expand the facility. But at a meeting last month at the University of San Diego, several homeless advocated said it's an idea worth looking into. 1460

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

Special counsel Robert Mueller's investigators have questioned a Russian oligarch about hundreds of thousands of dollars in payments his company's US affiliate made to President Donald Trump's personal attorney, Michael Cohen, after the election, according to a source familiar with the matter.Viktor Vekselberg, chairman of asset manager Renova Group, is an oligarch close to Vladimir Putin, and last month the Trump administration placed him on a list of sanctioned Russians for activities including election interference. The purpose of the payments, which predate the sanctions, and the nature of the business relationship between Vekselberg and Cohen is unclear.The scrutiny of the payments could add to the legal troubles for Cohen, whose home and office were raided last month as part of a criminal investigation by federal prosecutors in Manhattan. In court documents, the prosecutors said at least part of their inquiry stemmed from a referral from Mueller's office.The questions asked of Vekselberg suggest that Mueller investigators have been examining some of Cohen's business relationships as part of the investigation into Russian meddling in the 2016 presidential election. Vekselberg is one of two Russian oligarchs the FBI stopped earlier this year after their private jets landed in New York-area airports as part of Mueller's investigation.Investigators also asked Vekselberg about donations the head of his US affiliate made to Trump's inaugural fund and campaign funds, sources said.The attorney for Stormy Daniels -- the porn star who received 0,000 to keep quiet about an alleged affair she had with Trump a decade ago -- produced information Tuesday evening that appears to add further details to CNN's reporting. Michael Avenatti alleged that Cohen received half a million dollars from a company affiliated with Vekselberg in the months after the presidential election.Avenatti alleged the 0,000 went into the bank account for Essential Consultants, a shell company that Cohen set up before the election that was used to pay Daniels. Avenatti added that the payments occurred from January to August 2017.CNN has reviewed documents that appear to show these payments. CNN has not independently authenticated the documents.Prosecutors have not accused Cohen of wrongdoing in regard to the payments or any other business dealings. 2366