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Former Vice President Joe Biden formally accepted the Democratic nomination for president on Thursday from Wilmington, Delaware, on the final night of the 2020 Democratic National Convention.At age 77, Biden became the oldest major party nominee for president.Biden capped off a four-night pitch to Americans that Democrats have a broad coalition ready to take over the White House."But while I will be a Democratic candidate, I will be an American president,” Biden said as he accepted the nomination. “I'll work hard for those who didn't support me, as hard for them as I did for those who did vote for me. That's the job of a president, to represent all of us not just our base or our party. This is not a partisan moment. This must be an American moment."In making his case for the presidency, Biden called the 2020 election a “life-changing election.”This will determine what America is going to look like for a long, long time," Biden said. "Character is on the ballot. Compassion is on a ballot. Decency. Science. Democracy. They're all on the ballot, who we are as a nation, what we stand for, most importantly, who we want to be, that's all on the ballot."The sights of this year’s convention stood in stark contrast from past conventions. There was no balloon drop. Delegates remained home.Instead, moments after Biden finished his speech to a largely empty room, he and running mate Kamala Harris stepped outside, wearing masks, to a crowd of people in their vehicles who watched the speech like it was a drive-in movie.DNC takes a comedic turnSeinfeld actress Julia Louis-Dreyfus emceed Thursday’s portion of the convention, and attempted to add more comedy than most convention viewers are accustomed to.Her jokes often were pointed at the expense of President Donald Trump. Trump in the past has not reacted well to jokes at his expense, once threatening to sue “Saturday Night Live” for a skit featuring a parody of him.A few of the jokes Louis-Dreyfus told throughout the evening:"Joe Biden not only knows how to read, but also he reads everything"“30330 (a number to text the Biden campaign to offer support). That would be the president's golf score if he didn't cheat. OK, look. I'll admit that was a little nasty. But we all know he's a cheater. And I'm proud to be a nasty, nasty woman.""Just remember. Joe Biden goes to church so regularly that he doesn't even need tear gas and a bunch of federalized troops to help him get there."John Lewis rememberedRep. John Lewis was remembered by Democrats on Thursday following his death last month. The civil rights leader who represented Georgia died on July 17.Atlanta Mayor Keisha Lance Bottoms, who was reportedly considered to be Biden’s running mate, stressed the importance of voting after civil rights leaders like Lewis marched for that right.“We have cried out for justice, we have gathered in our streets to demand change, and now, we must pass on the gift John Lewis sacrificed to give us, we must register and we must vote,” Lance Bottoms said.Trump silentWhile President Donald Trump sent several all caps tweets on Wednesday in response to the convention, the president had not tweeted anything about the DNC as of when the convention ended. He did, however, send a single tweet as Biden wrapped up."In 47 years, Joe did none of the things of which he now speaks. He will never change, just words," he said. Trump will get his turn at the microphone next week as the Republicans hold their convention starting Monday. 3504

FRESNO, Calif. (AP) — An elementary school superintendent in Central California says he allowed a janitor to wear a mask and carry a fake gun during an active shooter drill to "make sure this was realistic."A teacher told KSEE-TV that the drill, which happened at Raisin City Elementary School before the summer break, went too far.Kim Copper said the masked gunman pounded on her classroom door and tried to open it as she huddled in a corner with terrified students.School Superintendent Juan Sandoval admitted teachers and students were not told about the janitor's role. He said active shooter drills have become routine and he wanted students to understand the gravity of the situation.A school board official told the station the school will improve its active shooter training procedure. 802

For the first time, ever, Hallmark will feature a same-sex couple tying the knot."Wedding Every Weekend" is about two friends who go to four weddings, four weekends in a row. One of the weddings they attend is of a lesbian couple tying the knot.But not everyone is looking forward to the upcoming scripted nuptials.Conservative group One Million Moms created a petition asking for its supporters to boycott the channel. "The once conservative network has recently caved to LGBTQ pressure and has done a one-eighty from the wholesome content the channel once aired, and the network is now catering to the Left," the petition reads. "So many people feel betrayed by Hallmark over these past seven months. Hallmark Channel was one of the remaining channels that families could watch without being bombarded by politically correct commercials and the LGBTQ agenda."Over 60,000 people have signed the petition."Wedding Every Weekend" premieres Saturday at 8 p.m. CT on the Hallmark Channel. 993

Florida and Georgia are reeling from the brutal effects of Hurricane Michael, which slammed into the Florida Panhandle Wednesday.The widespread destruction has left many people living in dire conditions. Residents have been waiting in long lines to collect bottled water and ready-to-eat meals (MREs) at several distribution centers. Helicopters are also airdropping food and water to remote areas.Early Monday, more than 250,000 customers were still without power in seven states from Florida to Virginia. The death toll remains at 18 but authorities say it could climb. About 30 to 35 people are unaccounted for in the Mexico Beach area, Police Chief Anthony Kelly said.President Donald Trump on Sunday approved a disaster declaration in Georgia for Baker, Decatur, Dougherty, Early, Miller, and Seminole counties. It follows the declaration of a major disaster in Florida'sBay, Calhoun, Franklin, Gadsden, Gulf, Jackson, Liberty, Taylor, and Wakulla counties on October 11. 999

For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

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