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WILMINGTON — President-elect Joe Biden has announced top White House staff positions Tuesday, drawing from the senior ranks of his campaign and some of his closest confidants. Biden confirmed that former campaign manager Jen O’Malley Dillon will serve as a deputy chief of staff. Campaign co-chair Louisiana Rep. Cedric Richmond and campaign adviser Steve Ricchetti will also play senior roles in the new administration. Richmond will leave his Louisiana congressional seat to fill the White House job. A former chair of the Congressional Black Caucus, Richmond was among Biden’s earliest high-profile supporters and served as his campaign co-chair.Anthony Bernal, who was Chief of Staff to Dr. Jill Biden on the campaign trail was named her Senior Advisor. Dr. Biden's Chief of Staff will be Julissa Reynoso Pantaleon. Other hires announced Tuesday include: Mike Donilon as the new Senior Advisor to the President, Dana Remus as Counsel to the President, Julie Rodriguez as Director of the White House Office of Intergovernmental Affairs, and Annie Tomasini as Director of Oval Office Operations. The new hires represent an initial wave of what will ultimately be hundreds of new White House aides hired in the coming weeks. The latest round reflects his pledge to have diversity in his staff — the team includes four people of color and five women. 1358

When Hurricane Michael barreled through Florida's Mexico Beach, it reduced the beachside town to pile of rubble, mangled structures and splintered houses.These aerial images from NOAA offer a stark look at how there's nothing left in some parts where houses once stood.Most houses in the northern section of Mexico Beach, where the canal and marina start, aren't there anymore.The pier toward the bottom of the image, isn't either.Zooming in closer on the marina, the debris from houses is piled up on the northern shore of the canal.The boat moorings, gone. And the debris field extends into the trees beyond the canal. 628

When Francesca Marie McNally was born, she was the perfect baby. “Perfectly healthy. Beautiful. Very interactive,” describes her dad, Sean McNally. He and his wife Veronica were in love with their little girl. Just before she turned three months old, she started coughing.  “We saw four doctors,” said Veronica. “None of the doctors we were seeing, and there were so many, really knew what it was,” said Sean.After not getting answers from their pediatrician's office and local emergency rooms, they took their baby to Children’s Hospital of Michigan in Detroit. Doctors there immediately recognized how serious the situation was. She was rushed into intensive care. She did not make it. “It is with me every day. I think about her every day. I feel that loss every day,” said Veronica. Doctors found out too late that Francesca had whooping cough and they also found out how she caught it. “I had whooping cough. I don’t know where I got it from. I look back and wish that I would have known more about the way I could have protected myself and my family,” said Veronica. Babies cannot be vaccinated against whooping cough, but doctors recommend those who care for them are. Veronica says she asked why she wasn’t told this during her pregnancy. According to medical records, on the day of her delivery, a nurse offered her the Tdap shot, which is the whooping cough vaccine. 1449

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

When it comes to scaring us, Hollywood sure likes to have fun with spiders. But it's no fun when you have a real fear of them. So it's no surprise when it came time to see one in person, Cassandra Kidd was a bit nervous.  "Oh God I'm scared!" Kidd exclaimed.   She mustered up her strength to hold Rosie the tarantula. And after just a few seconds the fear was gone.  "It felt kind of like a ladybug but more gentle," Kidd says.    Kathleen Lewis peered over the wall as her grandson held Rosie.  "No I'm not as brave as my four-year-old grandson," Lewis says.  Fear kept her from holding the spider herself.  "Too many legs moving," Lewis says.When it comes to overcoming fears like Arachnophobia experts say educating yourself in an environment where you feel safe can make all the difference. The Spider Pavilion at Butterfly Pavilion is an example. Arachnids of all sizes hang out above.  A belief that spiders want to jump down on you is one of many misconceptions Mary Ann Colley, Vice President of Science and Conservation at Butterfly Pavilion, has heard about spiders.  "People are always saying, 'Oh, I am going to eat spiders in my sleep,'" Colley says. "That's not true."Another? The idea they want to bite you."Spiders really don't want to have anything to do with us," Colley says. "They want to do their own thing, they want to hunt for their food, create their webs."  Colley says only a small amount of spiders have a level of toxicity to actually hurt us. Butterfly Pavilion hopes sharing facts can help overcome fear."We want to be respectful of nature around us," Colley says. "So we always suggest to observe so just to take a look you can get close but you don't have to touch."  Seeing spiders in a new light. And facing your fear head on. 1850