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The number of people unable to make house payments on time has reached a nine-year high, according to a recent analysis of the data.Mortgage delinquencies were at 8.22 percent of all loans for the second quarter of 2020, says the Mortgage Bankers Association.At the end of June, an estimated 4.2 million Americans were on a forbearance plan, meaning they have an agreement with their mortgage lender to delay foreclosure."The COVID-19 pandemic's effects on some homeowners' ability to make their mortgage payments could not be more apparent. The nearly 4 percentage point jump in the delinquency rate was the biggest quarterly rise in the history of MBA's survey," said Marina Walsh, MBA's Vice President of Industry Analysis in a press release. "The second quarter results also mark the highest overall delinquency rate in nine years, and a survey-high delinquency rate for FHA loans."FHA, or Federal Housing Administration, loans are designed for low-to-moderate income borrowers and require a smaller down payment when purchasing a home. The survey found 15.65 percent of FHA loans were delinquent in the second quarter of 2020. That’s the highest rate since the Mortgage Bankers Association began keeping records in 1979.The survey asks loan servicers to report any loan that is not paid back according to the terms in the agreement.The high rate of mortgage delinquencies appear to be connected with availability of jobs. The five states with the largest increases in delinquency rate were New Jersey, Nevada, New York, Florida and Hawaii; all states with a high number of leisure and hospitality jobs that are now in flux because of the COVID-19 pandemic. 1669

The mother whose 1-year-old son was forcefully yanked away by New York Police Department officers last week had her charges dropped and was ordered released on her own recognizance, defense attorneys said.Jazmine Headley, 23, had been arrested Friday at a Brooklyn social services office and faced four charges, including resisting arrest and acting in a manner injurious to a child. Brooklyn District Attorney Eric Gonzalez moved to dismiss the charges on Tuesday."Like everyone who watched the arrest of Jazmine Headley, I was horrified by the violence depicted in the video and immediately opened an investigation into this case," Gonzalez said, adding that the incident should have been handled differently."Continuing to pursue this case will not serve any purpose and I therefore moved today to dismiss it immediately in the interest of justice," he said.Disturbing video of the arrest, in which Headley's son is ripped away by arresting NYPD officers, has sparked sharp criticism from city officials and unfavorable comparisons to Border Patrol actions during the Trump Administration's family separation policy at the US-Mexico border.Headley has been in jail in Riker's Island since Friday, held on an outstanding arrest warrant from July 2017 for failure to appear in connection with credit card fraud, said the sheriff's office in Mercer County, New Jersey.A judge on Tuesday afternoon ordered her release, according to Lisa Schreibersdorf, the executive director of Brooklyn Defender Services who is representing Headley."We ask that her privacy is respected at this time, as she has been through a traumatizing ordeal and has not seen her family in five days," Schreibersdorf said.The decision comes a day after the NYPD said the incident was "troubling" and that they would be reviewing the incident. No NYPD officers have had a duty status change since the incident, an NYPD spokesperson said. Two Human Resources Administration officers involved in the incident are on leave and will be placed on modified duty when they return to work pending an investigation.The Patrolmen's Benevolent Association, the union representing NYPD officers, said the officers were put in an impossible situation."The event would have unfolded much differently if those at the scene had simply complied with the officers' lawful orders," PBA President Patrick J. Lynch said. "The immediate rush to condemn these officers leaves their fellow cops wondering: when confronted with a similar impossible scenario, what do you want us to do? The answer cannot be 'do nothing.'" 2605

The pandemic, and much of the isolation that has come along with it, has prompted a lot of discussions about mental health. Now, as the winter months approach, psychologists are concerned about the impact seasonal affective disorder, or seasonal depression, might have."And we think that it is because of reduced light and at a more reliable time late in the year, usually around spring, summer, those symptoms resolve. And so, we come into 2020 and it's a completely different landscape right now, and honestly, we don't know what to expect yet," says Dr. Craig Sawchuck, a clinical psychologist with the Mayo Clinic.Dr. Sawchuck says there is some speculation that seasonal depression rates could increase this year."Kind of think about it like people are operating at a deficit right now. With the number of stressors that have been going on in 2020, just the erosion effect has been wearing folks down, so maybe folks that have struggled with winter blues in the past, so maybe not full-blown seasonal depression but winter blues, you layer in the erosion effect with the stress and maybe that's going to put them more in the range of depression," says Dr. Sawchuck.Social isolation from the pandemic and any unhealthy habits that might normally form in the winter months could exacerbate seasonal depression."Energy goes down, we want to sleep more, there's that urge for carbohydrate cravings, increased weight gain and socially pulling back or withdrawing," says Dr. Sawchuck.Experts say if you suffer from winter blues or seasonal depression, there are things you can do to try and boost your mood."Seasonal depression and treatment during this time is a little tricky. Some of the things we would recommend are hindered by COVID-19, especially with the escalating rates. So, things like getting outside might be risky for some people with the transmission of COVID -19, so we’re thinking about some of the basic things to just take care of yourself. What are your coping skills? What are things that do get you involved and happy and excited?" says Dr. Apryl Alexander, a psychologist and professor at the University of Denver.Dr. Alexander says a recent study from the American Psychological Association reports that eight in 10 Americans are feeling stressed because of COVID-19. Even though we're in a pandemic, Dr. Alexander says it's still important to socialize, especially if you are prone to seasonal depression."So, how can you maintain those social connections during this time, whether its dance parties we’ve had in our department during COVID-19 to engaging with your family members on Zoom or other forms of social media," says Dr. Alexander.Dr. Alexander also says many psychologists and therapists are offering virtual sessions, so it's important to take advantage of tele-mental health visits. And with the holiday season approaching, whether you're able to be with family or not, make sure you also take the time to check in on loved ones who may not be feeling themselves this winter season. 3027

The nation's first transgender governor, its first Somali-American woman in Congress and its first black woman in Connecticut's congressional delegation could all be on the horizon after Tuesday's slate of four primaries.In Wisconsin and Minnesota -- two states where Democrats hope to rebound after losing ground to President Donald Trump in the 2016 election -- voters chose their nominees for governor, the Senate and several competitive House races. In Vermont and Connecticut, the competition was largely intra-party.Here are five takeaways from Tuesday's primaries: 579

The lines are long, the anxiety is high. Election 2020 looks and feels a lot different, doesn’t it?The influx of ads all over your TV, the outpouring of robotexts to your phone—the candidates, going back and forth.Deep breaths, everyone. Election 2020 is technically almost over.According to the American Psychological Association’s latest survey, nearly 70% of adults said the election is a significant source of stress.Compare that to the 2016 election, when 52% of adults said they were that stressed.And voters aren’t just stressed about their candidate winning or losing—there’s also so much confusion about filling out your ballot correctly or possible unrest after the results.Dr. Francoise Adan is a psychiatrist at University Hospitals Connor Integrative Health Network. She said election anxiety is especially tough right now because it’s coupled with pandemic stress, racial unrest, and personal losses in 2020.Mental health experts are preparing for an influx of calls in the days after the election, just as they did in 2016.“I saw a lot of people who were disappointed and sad and angry,” Adan said. “And of course, we also saw a lot of people who rejoiced and celebrated—but those are not the people who are going to ask for help.”Adan said feelings of sadness, disappointment, grief, fear and even mourning if your candidate loses are normal.But for some people, those feelings are going to be really profound and interfere with daily activities—and that’s when Adan said it’s important to seek professional help for your mental health.For others, Adan said, self-care is key—yes, you’ve heard that over and over again, but that’s because it works.“And you need to find the one that works for you. It could be exercising, meditation, breathing techniques. Gratitude is one of my favorites,” she said.The doctor also recommends a heavy dose of compassion, no matter the results.“Not only compassion for others and understanding that yes, some people are winners and some people are going to lose—but at the end of the day, we are all in this together. And not only have compassion for others but compassion for ourselves,” Adan said.Voters we spoke to said no matter the outcome they’ll take it all in stride.“What am I going to do if my candidate loses? I’m going to support whoever is there,” said voter Caroline Rogers. “I’m going to believe and hope that this person that we end up electing, whether it be somebody I voted for or not, that they’re going to do what’s best for the country as a whole.”“Accept the outcome,” a voter named Genesis said. “It’s one America, regardless of who you vote for. You accept the results and you follow that person.”Looking at historical perspective is always helpful, Adan said. Americans have been through worse — and made it out stronger.“Eventually we will look at this and say ‘Whew, we made it, and we are better for it.'"This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 2961

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