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Mortgage rates have risen about half a percentage point since September. What does that mean for you if you’re buying a home now or plan to buy one soon?For starters, don’t panic.When you’re buying a home, the mortgage rate matters, but it shouldn’t monopolize your attention, says Robert Frick, corporate economist for Navy Federal Credit Union. “You shouldn’t focus on the rate and let that scare you into making a hasty decision about buying a house,” he says.How rising rates affect your monthly payment 520

Mississippi Sen. Cindy Hyde-Smith posed with Confederate artifacts in photos from 2014 that emerged Tuesday, the latest in a series of controversial moments for the freshman Republican senator who is facing a run-off next week.In a photo posted to her Facebook account in 2014, Hyde-Smith was pictured posing with Confederate artifacts. The caption on the post read, "Mississippi history at its best!"Hyde-Smith, who will face former Democratic Rep. Mike Espy in a Nov. 27 runoff election, posted the caption after touring Beauvoir, the home and library of Confederate President Jefferson Davis. In the post, Hyde-Smith appears in four photos posing with Confederate rifles, soldiers' hats and documents."I enjoyed my tour of Beauvoir. The Jefferson Davis Home and Presidential Library located in Biloxi," she wrote in the post on her Facebook page. "This is a must see. Currently on display are artifacts connected to the daily life of the Confederate Soldier including weapons. Mississippi history at its best!"Mississippi was one of the southern states that seceded from the United States prior to the Civil War to form the Confederate States of America.The photo and the caption referencing Mississippi's period in the Confederacy is another flashpoint for Hyde-Smith in the weeks leading up to her runoff election against Espy, who is black and would be the first African-American senator from Mississippi since Reconstruction. Hyde-Smith was appointed to the Senate earlier this year to replace Thad Cochran, who retired for health reasons.At the time of the photo was taken, Hyde-Smith was the Mississippi Commissioner of Agriculture and Commerce.The campaigns of Hyde-Smith and Espy did not immediately return a request for comment. The two will debate at 8 pm ET Tuesday.In a video clip posted Thursday, Hyde-Smith said that making it "just a little more difficult" for some university students to vote was "a great idea.""And then they remind me that there's a lot of liberal folks in those other schools who maybe we don't want to vote. Maybe we want to make it just a little more difficult. And I think that's a great idea," Hyde-Smith says in the video.Hyde-Smith campaign spokeswoman Melissa Scallan said at the time, "Obviously Sen. Hyde-Smith was making a joke and clearly the video was selectively edited." The video includes no further context.In another video posted earlier this month, Hyde-Smith made reference to a "public hanging," which conjured memories of public lynchings of African-Americans during the latter half of the 19th century and first half of the 20th century."If he invited me to a public hanging, I'd be on the front row," she said during what appeared to be a campaign event referencing the support of a Mississippi cattle rancher.In a statement later that day, Hyde-Smith said that she "used an exaggerated expression of regard, and any attempt to turn this into a negative connotation is ridiculous."Earlier on Tuesday, retail giant Walmart asked Hyde-Smith to return its donations to her campaign, joining Google, Union Pacific and Boston Scientific in rescinding their support of the Mississippi Republican.The-CNN-Wire 3172

NASA says they are reexamining nicknames for distant objects in outer space such as planets, galaxies, and nebulae because they are insensitive and could be actively harmful.The Agency says the change is part of their commitment to diversity, equity, and inclusion.The unofficial names are sometimes used by members of the scientific community, the agency said. For example, the nickname for planetary nebula NGC 2392 was Eskimo nebula.NASA said in a press release that they will not use that nickname anymore.They said they will also do away with the name Siamese Twins Galaxy, which has been used to refer to a pair of spiral galaxies in the Virgo Galaxy Cluster."These nicknames and terms may have historical or cultural connotations that are objectionable or unwelcoming, and NASA is strongly committed to addressing them," said Stephen T. Shih, Associate Administrator for Diversity and Equal Opportunity at NASA Headquarters in the press release. "Science depends on diverse contributions, and benefits everyone, so this means we must make it inclusive.”NASA said they will work with experts of diversity, inclusion, and equity in the astronomical and physical sciences to "provide guidance and recommendations for other nicknames and terms for review." 1267

NAMPA, Idaho -- An Idaho woman decided to become a surrogate after giving birth to her son in 2018, because she wanted to give the gift of motherhood to someone else. After consulting with her husband, Emily Chrislip started the process in February 2019."We couldn't imagine what we would do without our own biological child, so we started looking into surrogacy and applied to some California agencies," Chrislip said.By September of that year, Emily was chosen as a surrogate for a couple in China. The process went as expected, up until two months before giving birth, when COVID-19 was declared a pandemic and travel restrictions were put in place."So, the plan was to get here before the due date, and we were going to let them be in the delivery room. They were going to be a part of it, see her be born. So when she was born, they were supposed to get their own room at the hospital with the baby, and my husband and I would've had our own room, and my job was done at that point," Chrislip said.But things didn't go as planned. More than four months later, Emily is still caring for the baby even though the original plan was to hand the baby off as soon as she gave birth."I actually had some people I work with ask what about the baby's parents, and I was like, 'Oh shoot I don't know what's going to happen,' and so that's what started bringing up conversations like, 'OK, what's going to happen if they can't get here?,'" Chrislip said.The biological parents had the option of having a nanny agency care for the baby until they could travel to the U.S. to pick the baby up, but instead asked Emily and her husband if they would step in and care for her.Emily says she put herself in the parent's shoes and knew she had to care for the baby."So we were like, 'well alright, we'll take care of her,' it will be a max four weeks, we can do that, and now here we are and still don't know when they'll be here," Chrislip said.The first obstacle the biological parents faced with getting to the U.S. was the travel restrictions, but now getting a flight is nearly impossible since flights from China to the U.S. have decreased to one per week.Although the future looks uncertain, Emily says she doesn't mind caring for the baby in the meantime."So, we'll keep taking care of her, keep doing what we're doing and just kind of take it a week at a time until there's something more set in stone on when they're going to be here," Chrislip said.This story was originally published by Stephanie Garibay at KIVI. 2520

NASHVILLE, Tenn. — Postmaster General Louis DeJoy told senators Friday that the cost-cutting fixes he has made to the U.S. Postal Service transportation system were designed to improve service."The only change I made, ma'am, was the trucks leave on time," said Postmaster General Louis DeJoy on Friday.But an investigation by Scripps station WTVF in Nashville found that, at the same time that DeJoy was testifying, the Postal Service was paying for an empty truck to drive from Nashville to Illinois.It turns out that DeJoy's changes have led to empty postal trucks being run all over the country.Testifying before a U.S. Senate committee Friday, DeJoy defended his cost-cutting measures, specifically highlighting cuts that targeted transportation issues within the Postal Service.Those cuts require postal trucks to leave sorting facilities by a specific time each day and are intended to reduce expenses related to overtime and extra trips.But postal workers in Nashville say DeJoy's new mandate is not practical and is having unintended consequences."Trucks leave empty," said Joe Jolley, a postal employee with the postal workers union in Nashville. "They leave completely empty. We pay a truck to travel to Memphis, a 53-foot truck with no mail on it."Piles of mail that, postal workers say, missed their intended transportsJolley said DeJoy's new policy does not allow a truck to be held up for even five minutes so it can be loaded with mail. He added that Express Mail and Priority Mail are often left sitting on the docks because trucks have already left."That is very important mail — cremated remains, legal documents, things that must be delivered on time, guaranteed delivery — and we are not making that guarantee," Jolley said.In June, the Postal Service's inspector general issued a report on the transportation network."During our site visits, we observed mail processing operations not processing mail timely, and not enough dock personnel moving the mail. This caused mail to miss its last scheduled transportation trip, which led to management calling extra trips and using driver overtime," the report said.The inspector general's report found delays in mail processing and inadequate dock staffing resulted in five million late trips last year, costing the agency 0 million.In response, DeJoy, who was appointed postmaster general in June, mandated that every truck keep its schedule, even if it is empty."If they are scheduled to leave at 7 a.m., they leave at 7 a.m., mail or no mail," Jolley said.According to a trip ticket obtained by WTVF, an empty truck left Nashville's sorting facility Friday at 6:01 a.m. on its way to Carol Stream, Illinois.The ticket shows the truck left 14 minutes ahead of its scheduled 6:15 a.m, departure time, embarking on the 500-mile trip even though it had no mail.On the same day, a second truck bound for Memphis left 10 minutes early with an empty trailer, and yet another 53-foot trailer was empty when it left for Bowling Green four minutes ahead of schedule.Trip tickets show an empty truck left Nashville's sorting facility Friday at 6:01 a.m. on its way to Carol Stream, Illinois.USPS trip ticket shows truck left Nashville for Carol Stream, iL on Aug. 21 with 0% of its total capacity filled.USPS trip ticket shows truck left Nashville for Memphis on Aug. 21 with 0% of its total capacity filledDon Eggers has been with Postal Service for 40 years and is vice president of the American Postal Workers Union, Local 5 in Nashville."We are seeing mail being delayed daily," Eggers said.He said reducing staff and the number of sorting machines, which has happened in Nashville and at post offices across the country, only makes it harder to get mail ready for trucks.In all, five of the facility's 34 sorting machines have been taken out of service recently, according to multiple sources with the postal workers union.When asked why he thought mail sorting machines had been taken offline, Eggers said he thought that the Postmaster General was "basically just delaying the mail."DeJoy told senators on Friday that mail sorting machines across the country are being removed to make more room for packages because mail volume is decreasing while package delivery is going up."Those machines, once they are gone, they are not coming back," Eggers said.DeJoy confirmed Friday that any mail sorting machines taken offline in recent months will not be restored.But Jolley says those are not the only machines taken out of service.Until recently, Nashville had three machines capable or sorting oversized, flat mail, such as mail-in ballots, he said.Jolley said one of those machines was just taken out of service, leaving the post office with no back-up if either of the remaining two machines were to fail."I think it's dangerous," Jolley said.DeJoy assured senators the postal system would be able to handle mail-in ballots nationwide and promised to stop removing sorting machines until after the election.But workers are concerned.Eggers stopped short of saying that DeJoy was attempting to "sabotage" the election, but added the changes would have an impact."If the things (DeJoy) wants to be done, the postal service is to do, yes, it's going to affect (the election)," Eggers said.DeJoy will answer additional questions Monday before the U.S. House of Representatives.This story was originally published by Ben Hall and Kevin Wisniewski on WTVF in Nashville, Tennessee. 5449

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