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President Donald Trump announced today he wants a tax bill to pass by Thanksgiving and be signed by Christmas.The President, speaking at the White House today, also said it will be the biggest tax reform event in history and the bill will benefit the middle class and businesses. He says Democrats may support the proposed bill.The not-yet-released bill has already attracted ire from one powerful outside group. And House Ways and Means Chairman Kevin Brady announced Saturday he'd already made one concession to assuage concerns?from northeast Republicans, a sign of the major legislative undertaking Republicans are about to embark on. 661

Researchers in Thailand have been trekking though the countryside to catch bats in their caves in an effort to trace the murky origins of the coronavirus.Initial research has already pointed to bats as the source of the virus that has afflicted more than 20.5 million people and caused the deaths of over 748,000 worldwide, according to Johns Hopkins University data. The closest match to the coronavirus has been found in horseshoe bats in Yunnan in southern China.Thailand has 19 species of horseshoe bats but researchers said they have not yet been tested for the new coronavirus.Thai researchers hiked up a hill in Sai Yok National Park in the western province of Kanchanaburi to set up nets to trap some 200 bats from three different caves.The team from the Thai Red Cross Emerging Infectious Diseases-Health Science Center took saliva, blood and stool samples from the bats before releasing them. They worked through the night and into the next day, taking samples not only from horseshoe bats but also from other bat species they caught in order to better understand pathogens carried by the animals.The team was headed by Supaporn Wacharapluesadee, the center’s deputy chief, who has studied bats and diseases associated with them for more than 20 years. He was part of the group that helped Thailand confirm the first COVID-19 case outside China in January.She believes it is likely they will find in Thailand’s bats the same virus that causes COVID-19.“The pandemic is borderless,” she said. “The disease can travel with bats. It could go anywhere.” 1567

President Donald Trump tweeted Monday evening that he would "never concede" despite a decision from an official in his administration that recognized president-elect Joe Biden's victory in the 2020 election."What does GSA being allowed to preliminarily work with the Dems have to do with continuing to pursue our various cases on what will go down as the most corrupt election in American political history?" Trump tweeted. "We are moving full speed ahead."Trump's statement also included references to "fake ballots" — a claim his legal team has not been able to prove — and a debunked conspiracy theory about ballot software, prompting Twitter to place a warning label on the tweet that provided users more information about the realities of voter fraud. 764

President Donald Trump's former lawyer, Michael Cohen, is under federal investigation for tax fraud and possibly misrepresenting his finances, people familiar with the investigation told The Wall Street Journal.The reported investigation adds to the wide-ranging federal investigation Cohen is already facing in relation to his business affairs and work with Trump. According to the Journal, authorities are investigating whether Cohen underreported his income in federal tax returns, in which he reaped hundreds of thousands of dollars over the last five years.People familiar with the matter told the Journal that authorities are also investigating whether any bank employees were improperly permitted to offer Cohen loans when he didn't provide adequate documentation. Investigators are reportedly examining Cohen's relationship with Sterling National Bank, which financed Cohen's taxi medallion business, and looking closely at whether Cohen lied or misrepresented information on loan applications.Investigators are also looking into whether Cohen inflated his income "in loan applications and refinancing efforts," people familiar with the matter told the Journal.Cohen's former accountant, Jeffrey Getzel, has been subpoenaed as part of the investigation, the paper reports.Cohen has not been charged with a crime and the Journal said he previously denied wrongdoing. Lanny Davis, Cohen's attorney, declined to comment to the paper "out of respect for the ongoing investigation."CNN has not independently confirmed the Journal's report.Cohen is facing a wide-ranging federal investigation into his finances -- including potential bank fraud, campaign finance violations, and hush payments to women saying they had affairs with Trump, which the President has denied. Authorities raided Cohen's home, office and hotel room in April as part of the investigation.The former Trump "fixer" once said he would take a bullet for his boss, but in recent months, he's suggested that he's willing to cooperate with federal authorities.The-CNN-Wire 2050

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

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