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SPRINGFIELD, Mo. (AP) — Prosecutors on Friday filed a terrorist threat charge against a 20-year-old man who said he walked into a Missouri store wearing body armor and carrying a loaded rifle and handgun to test whether Walmart would honor his constitutional right to bear arms.The incident, just days after 22 people were killed during an attack at another Walmart in El Paso, Texas, caused a panic at the Springfield, Missouri, store. Dmitriy Andreychenko walked through filming himself with his cell phone Thursday afternoon.No shots were fired and Andreychenko was arrested after he was stopped by an armed off-duty firefighter at the store.RELATED: El Paso Walmart shooting: How to help the victims"Missouri protects the right of people to open carry a firearm, but that does not allow an individual to act in a reckless and criminal manner endangering other citizens," Greene County Prosecuting Attorney Dan Patterson said in a statement announcing the charge. Patterson compared the man's actions to "falsely shouting fire in a theater causing a panic."If convicted, the felony charge of making a terrorist threat in the second degree is punishable by up to four years in prison and a fine of up to ,000, according to the prosecutor's office. The charge means he showed reckless disregard for the risk of causing an evacuation or knowingly caused fear that lives were in danger."I wanted to know if Walmart honored the Second Amendment," a probable cause statement released Friday with the charges quoted Andreychenko as saying.RELATED: Walmart removes displays of violent video games following El Paso shooting, still sells gunAndreychenko started to record himself with his phone while he was still in the car parked at Walmart. He got the body armor from the trunk of his car and put it on before grabbing a shopping cart and walking into the store, according to the statement.Andreychenko said his intention was to buy grocery bags. The rifle had a loaded magazine inserted, but a round was not chambered. A handgun on his right hip was loaded with one round in the chamber.He said he bought the rifle and body armor because of three recent shootings and a stabbing, and said he wanted to protect himself.RELATED: A Walmart employee and a customer helped 140 people escape from the El Paso shootingHis wife, Angelice Andreychenko, told investigators that she warned him it was not a good idea, adding that he was an immature boy.His sister, Anastasia Andreychenko, said he had asked her if she would videotape him going into Walmart with a gun and she also told him it was a bad idea, according to the probable cause statement.The statement does not allege that he pointed the weapons at anyone, although patrons in the surveillance video could be seen in the background running away.Walmart issued a statement Friday that praised authorities for stopping the incident from escalating. It said Andreychenko is no longer welcome in its stores."This was a reckless act designed to scare people, disrupt our business and it put our associates and customers at risk," said spokeswoman LeMia Jenkins. "We applaud the quick actions of our associates to evacuate customers from our store, and we're thankful no one was injured."Since January 2017, Missouri has not required a permit to openly or conceal carry a firearm for those 19 years or older. Roughly 30 states allow the open carrying of handguns and rifles and shotguns in public without a permit.San Francisco-based Giffords Law Center to Prevent Gun Violence said six states generally prohibit the open carrying of rifles and shotguns — California, Florida, Illinois, Massachusetts, Minnesota, and New Jersey — along with the District of Columbia, the law center said.California, Florida and Illinois also generally ban the open carry of handguns, as do New York and South Carolina.Springfield is about 165 miles (266 kilometers) south of Kansas City, Missouri. 3935

ST. PETERSBURG, Fla. -- The Tampa Bay Rays have yet to take the field for Opening Day but the team is already making noise in the baseball world.The Rays took to Twitter on Friday morning to issue the following statement:"Today is Opening Day, which means it's a great day to arrest the killers of Breonna Taylor." 322

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

SHEBOYGAN, Wisc. -- A Sheboygan dad was arrested for OWI after his two toddlers fell out of his van and were seriously injured.Police said it happened Tuesday just before 7:30 p.m. near 8th Street and Indiana Avenue. A witness told police the two children fell out of the van as it went through an intersection. Officers were eventually able to identify the children who were one and two years of age.A short time later police located their father -- who said he was not aware they had fallen out of the van.He was then arrested for OWI and Child Neglect.One child was treated and released from a local hospital. The other child was transported to a Milwaukee area hospital for serious but non-life threatening injuries.  764

So the seemingly endless month of Black Friday sales is finally over.But don't worry if you haven't found everything you need: we head into December now with more days to find deals, through Christmas Eve.Just like Black Friday stretched into a weeks of deals, Cyber Monday is now Cyber Week. And it seems there are new sales every other day.So when will you find the best deals from now till Christmas?The savings site DealNews.com says:Cyber Week is a great time for electronics and home and kitchen gadgets, with many things that sold out during Thanksgiving back in stock again. This is when you want to hunt online for those hardest-to-find items like the Xbox Series X and PlayStation 5.Green Monday, December 7th or 14th, depending on the retailer, is a great time to order from smaller online merchants and local stores.Free Shipping Day is December 14th, the last day for guaranteed Christmas delivery (at no surcharge) from hundreds of web retailers.December 15th is not an official sale day, but is traditionally when toy prices start to drop, according to DealNews.com.December 20th is when prices on winter clothing and jewelry that hasn't sold starts to get slashed.Christmas Eve sales usually start a couple of days before Christmas Eve, and are a last-ditch attempt to clean out unsold gifts, clothing, and other items. You can find some incredible deals 48 hours before Christmas.Why you shouldn't wait much longerBut from the doesn't that stink file, is the risk this year of waiting too long to order online.DealNews.com says this year has seen many shipping delays, and with so many people ordering online, supply lines could bog down again by mid month.After free shipping day in mid December, you are pushing your luck ordering online, unless you are willing to pay for or more for priority shipping.That late you may want to put your mask on and head to the mall.With online shopping up 30% this pandemic year, Amazon, FedEx, and UPS are expecting a crush of orders.So shop early, so you don't waste your money.__________________________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2371