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President-elect Joe Biden pleaded with Americans to adopt public health best practices during the Thanksgiving holiday in the hopes of preventing the spread of COVID-19.Biden called for unity among Americans in attempting to snuff out the spread of the virus."We're at war with the virus. Not with one another. Not with each other," he said.Biden pleaded with Americans to avoid large gatherings over Thanksgiving and added that the nation owed it to essential health care workers, who are currently battling a concerning spike in cases."The federal government can't (fight the virus) alone," Biden said.Biden said he would be celebrating the Thanksgiving holiday in Delaware on Thursday along with his wife, Jill, his daughter and his son-in-law. He added that it would be among the smallest Thanksgiving gatherings the family has had in 40 years.Biden's announcement comes as the U.S. finds itself in a perilous position ahead of the holiday — COVID-19 cases are spiking to levels previously unseen since the pandemic arrived in the country, and health experts fear that large family gatherings across the country could continue to facilitate the spread of the virus.The CDC has recommended that Americans not travel to celebrate Thanksgiving, and Dr. Anthony Fauci has recommended that celebrations be limited to members of a single household.But Americans seem poised to ignore those recommendations. At least one survey says that 1 in 3 parents believe that the benefits of gathering at Thanksgiving outweigh the risk of the coronavirus.Biden's address comes a day after he formally announced who he will nominate for six key administration positions. It also comes a day after President Donald Trump participated in the annual turkey pardon at the White House. 1774

Reservations will be required on Amtrak's Pacific Surfliner route during the Thanksgiving holiday period to safely manage the increase of travelers and control the spread of COVID-19.The company announced Thursday that a reservation will be required on trains that travel between San Diego, Orange, Los Angeles, Ventura, Santa Barbara, and San Luis Obispo counties beginning Monday, Nov. 23 through Nov. 30 to help manage the capacity and allow customers to socially distance.Additionally, the Rail 2 Rail program will be suspended during this period, and monthly Metrolink and COASTER passes will not be accepted onboard Pacific Surfliner trains on these dates.Amtrak monthly and 10-ride passes may still be used. However, multi-ride ticket holders will be required to confirm each trip through the Amtrak RideReserve program on Amtrak.com, the Amtrak app, or with an Amtrak agent before traveling.Additional cars are being added when possible to increase the number of available seats on select trains.Visit pacificsurfliner.com for additional information on booking and safety precautions. 1100

Rescuers with high-water vehicles have been rescuing people on the Gulf Coast cut off by floodwaters after Hurricane Sally. Crews were pulling people out of flooded areas Thursday near Pensacola, Florida, while Alabama National Guard troops helped people evacuate near Mobile Bay. Homeowners and businesses along the soggy Gulf Coast were cleaning up, even as some communities dealt with flooding from rivers and creeks swollen by the storm’s heavy rains. At least one death is blamed on Sally, whose rainy remnants are currently over South Carolina."16 years ago to the day when hurricane Ivan hit our state, hurricane Sally provided an unwanted sequel citizens are woke to extensive damage and destructive property and loss of power and infrastructure. And sadly, even the loss of life, when it could be much worse, it's been mighty bad. And our state is reeling just as our people are hurting," Alabama Gov. Kay Ivey said. 934

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

President Donald Trump's former campaign chairman Paul Manafort has been found guilty on eight counts of financial crimes, a major victory for special counsel Robert Mueller.But jurors were unable to reach a verdict on 10 charges, and Judge T.S. Ellis declared a mistrial on those counts.Manafort was found guilty of five tax fraud charges, one charge of hiding foreign bank accounts and two counts of bank fraud.He was charged with 18 counts of tax evasion, bank fraud and hiding foreign bank accounts in the first case Mueller brought to trial as part of the investigation into Russian interference in the 2016 US election.The trial carries major implications for the future of Mueller's investigation. Trump has repeatedly called the probe a "witch hunt" that hasn't found evidence of Russian collusion with his campaign, and his allies in and out of the White House say the special counsel should wrap things up.Prosecutors say Manafort collected million in foreign bank accounts from 2010 to 2014 and spent more than million on luxury purchases in the same period, including high-end clothing, real estate, landscaping and other big-ticket items.They also allege that Manafort lied to banks in order to take out more than million in loans after his Ukrainian political work dried up in 2015, and they accused him of hiding the foreign bank accounts from federal authorities. Manafort received loans from the Federal Savings Bank after one of its executives sought a position in the Trump campaign and administration, according to prosecutors."Mr. Manafort lied to keep more money when he had it, and he lied to get more money when he didn't," prosecutor Greg Andres told jurors during closing arguments. "This is a case about lies."Manafort, 69, has been in jail since June after his bail was revoked following new charges of witness tampering against him.He still faces a second set of criminal charges in a Washington, DC, federal court, of failure to register his foreign lobbying and of money laundering conspiracy related to the same Ukrainian political work that was central to the Virginia case. 2127

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