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President-elect Joe Biden formally introduced his picks for several high-ranking administration positions on Friday. Among them was former Obama-era UN ambassador Susan Rice to lead the White House Domestic Policy Council.Biden and vice president-elect Kamala Harris introduced the latest round of cabinet nominees in a press conference at Biden's transition headquarters in Wilmington, Delaware.Rice served as President Barack Obama's U.N. ambassador during his first term, from 2009 to 2013. She later served as Obama's national security adviser in his second term, from 2013 to 2017.Rice is the type of experienced bureaucrat that Biden has been eyeing for a Cabinet-level position, but she also comes with some political baggage, considering her involvement in handling the aftermath of the Benghazi attacks in Libya in 2012. With, at most, a razor-thin majority in the Senate, Biden has opted to grant Rice a position that does not require confirmation.Biden also introduced Rep. Marcia Fudge, D-Ohio, as his pick to run the Department of Housing and Urban Development (HUD). Fudge has served in Congress for five terms, representing the Cleveland area.On Friday, Biden also introduced Denis McDonough as his pick to run Veterans Affairs, Katherine Tai as his pick for U.S. Trade Representative and Tom Vilsack as Agriculture Secretary. 1349

President Donald Trump’s brother, Robert, is in a New York hospital Friday, according to multiple reports.ABC News first reported the news of Robert Trump’s health concerns, saying the details of his condition remain unknown, only that sources say he is “very ill.”White House spokesperson Judd Deere says the president is expected to visit his 72-year-old brother at a hospital in Manhattan on Friday. Trump was already scheduled to visit his property in Bedminster, New Jersey, on Friday.Robert Trump has been in the news recently for leading legal action by the Trump family against Mary Trump, the president’s niece. Mary Trump published a book, “Too Much and Never Enough” about the Trump family earlier this summer.Robert is the youngest of the president’s three living siblings; he has an older and younger sister. Their older brother, Fred Trump Jr., died in 1981. 880

President Donald Trump's legal team is preparing to respond to special counsel Robert Mueller regarding the possibility of an interview, Rudy Giuliani told CNN Monday.Giuliani, one of Trump's lawyers, would not characterize the response. He's recently suggested that Trump and his lawyers would be making a final decision soon, but other sources have said the coming response would likely be another effort to counter the latest from Mueller and not a final offer.CNN reported last week that Mueller has offered to reduce the number of obstruction-related questions Trump would be asked by investigators. The President's lawyers had previously offered the special counsel written answers to obstruction questions and limiting the interview to matters before his presidential inauguration, which are largely confined to collusion.The special counsel indicated an interview with the President would include obstruction questions, but did cede that some answers on topics could be in writing. Trump's lawyers -- who are not in favor of any interview despite the President saying he wants to set the record straight with special counsel -- are seeking to limit the interview to collusion topics.The-CNN-Wire 1211

President Donald Trump, after listening to a series of emotional stories and pleas to enhance school safety at the White House Wednesday, floated the idea of arming teachers and school staff, an idea that was met with support from many of the attendees."If you had a teacher who was adept with the firearm, they could end the attack very quickly," he said, stating that schools could arm up to 20% of their teachers to stop "maniacs" who may try and attack them."This would be obviously only for people who were very adept at handling a gun, and it would be, it's called concealed carry, where a teacher would have a concealed gun on them. They'd go for special training and they would be there and you would no longer have a gun-free zone," Trump said. "Gun-free zone to a maniac -- because they're all cowards -- a gun-free zone is 'let's go in and let's attack because bullets aren't coming back at us.' "  922

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