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It started six years ago. And hopefully, it will be the last time in 2020. Please switch on two-factor authentication on all of your accounts. ??— Victor Gevers (@0xDUDE) October 22, 2020 201

It is rare that inside President Donald Trump's White House that something bipartisan can get accomplished. But that is exactly what has happened when it comes to trade. WHAT CHANGES TODAYFor nearly thirty years, NAFTA, which stands for the North American Free Trade agreement, governed trading between the United States, Mexico and Canada. It basically sets the rules by which companies needed to follow in order to avoid paying a tariff or fee to ship their product within one of those North American countries. In recent years however, Democrats and Republicans have both criticized the agreement as a reason companies moved their jobs overseas, particularly to Mexico or Asian countries. Beginning today, NAFTA is no more with the United States-Mexico-Canada Agreement (USMCA) in effect. WHAT'S DIFFERENTThe trade agreement has been read over and scrutinized by lawyers of Fortune 500 companies for months, but some of the biggest impacts affect the auto industry, the steel industry and dairy farmers. Under the agreement, in order to avoid a tariff, 75% of a car must be built in North America. 70% of the steel and aluminum in a car must also come from North America. It also demands 40-45% of the car be built by workers earning at least /hour. That last provision is key because those new wages are nearly triple what Mexico is paying it's workers right now in some instances. Dairy farmers in the United States will also have expanded access into Canada, which is something the US agricultural community has called for years. WILL IT CREATE JOBSThe White House claims this new deal will result in hundreds of thousands of jobs in the coming years. Regarding whether any new jobs are being created right now, Treasury Department spokeswoman Monica Crowley said it is too soon to tell. "Well it just goes into effect today, but we will see that going forward but the good news that we got today but the good news is that manufacturing has hit a 14 month high in the month of June," Crowley said. 2015

It’s a simple message: “Count every vote."It's what a crowd in Pennsylvania is chanting, as officials continue counting ballots in the battleground state. For Kierstyn Zolfo, it’s a personal one.“We believe that every vote needs to be counted,” she said. “I voted by mail-in, and I do that regularly anyway because I have disability issues.”Her mobility may be limited, but her voice--and those of others in this crowd--are not. Just 30 miles north of Philadelphia, in the all-important suburbs and outside the Bucks County Elections Office, residents rallied.“We're also here to celebrate that we're outside of the place that the votes were being counted,” said Marlene Pray, who organized the rally.It’s an effort called Protect The Vote. They are pushing to make sure every vote in the state, no matter the party affiliation, gets counted.“It's a completely nonpartisan effort. We just want to make sure that every vote gets counted,” said Bob Edwards with Protect The Vote. “I mean, what could be more simple and what more American than that?”Yet, the Trump campaign is suing Pennsylvania on several legal fronts, hoping to block certain mail-in votes, votes that the Pennsylvania Secretary of State said were legally cast by the millions there in the largest numbers ever seen in the state.The potential for multiple legal challenges here in Pennsylvania looms large, especially for ballots received after Election Day, which by state law, can still be counted if they were postmarked on Election Day and are delivered to elections offices by Friday.“This is profoundly important,” Pray said.It is something Kierstyn Zolfo sees, as well.“This is about American principles,” she said, “counting every vote.” 1719

It is a county-approved program that is supposed to help you pay for energy efficient home improvements, but some homeowners blame the program for big tax increases they cannot pay. At least three homeowners who received financing through the PACE (Property Assessed Clean Energy) program say they were misled. The PACE program allows you to pay for home improvements, like solar panels, through your property taxes.  Maria Silva said her Del Cerro home is her life. “It’s very important… it’s my home for 28 years,” Silva said.  It is a home she is in danger of losing. Silva said it started with a man coming to her doorstep about two years ago. Silva said he offered a deal on home improvement projects like double pane windows.  At first, she said no. However, she said the salesman was persistent. For Silva, it was more than a money problem.  She is legally blind. She wanted to wait for her son.  “He told me well, this promotion ends,” Silva said of the salesman.  She said she told the man she was visually impaired, but he told her not to worry and he “was going to read everything for [her].” She did not want to miss out on what she thought was a good deal. At the time, Silva said she was told she would be paying no more than ,000 a year. Silva said she understood the payment would be going on her property tax, but when she got the bill, it showed an increase of more than ,000 this year.  “It seems very predatory,” said her son, Allan Silva.  On top of that, Allan Silva says the company who upgraded their air conditioning unit never removed the old one like promised. “It kind of seems like some shady things happened to my mom,” Allan Silva said. Carolyn Reilly with Elder Law and Advocacy has heard of deception with this program.  “They're telling them it's a free product, it's a free government program,” Reilly said. Reilly said loans are approved for seniors on fixed incomes who cannot afford them and she’s handling many cases from the elderly who say financing was not explained.  “They're desperate because at some point, it's going to lead to foreclosure for them,” Reilly said. One Poway woman, who did not want to use her name, said she wound up with a ,000 bill added to her taxes. She said A1 Solar sold she and her husband on solar panels, but she had no idea a lien would be placed on her home in addition to increased taxes. She also alleges that her husband was not the one who signed the documents. “I was not happy with the salesman coming in and going to the computer and signing Jim's name to the documents. I don't think Jim fully understood what was happening,” she said. Her husband, Jim, is dealing with numerous medical issues. Michele Glen is their caretaker and also signed on with A1 Solar. Team 10 examined the contracts, which say the amount would be added to the homeowner’s property tax. However, Glen said the salesman “rushed [them] through it.” “He says, everything is fine,” Glen said.  Team 10 called the salesman they say went to their home. He said he had nothing to do with A1 Solar and hung up before Team 10 could ask any more questions. According to the Contractors State License Board, A1 Solar’s license was suspended for multiple complaints, including misrepresentation to obtain a contract. A lawyer who worked for the company says A1 Solar is now out of business. San Diego County Supervisor Dianne Jacob said the PACE program has generated about 0 million in projects and has created thousands of jobs. She has received a few complaints, but believes overall, the program is working. “Frankly, if there are bad apples in the barrel, you need to get them out of the barrels,” Jacob said. She told Team 10 the county will continue with the PACE program because overall it has “been very helpful to a lot of people.” Experts at the Approved Home Pros, a contractor’s association, say the PACE program can be a good fit for some homeowners, but it is important to be educated before committing to it.  Recently, Governor Brown signed legislation that aims to provide more oversight and strengthen consumer protections with the PACE program.     4297

IONIA, Mich. (WXMI) — An 11-year-old girl in Ionia is spreading Christmas cheer and collecting gifts to give to children with long-term hospital stays.Over the past week, hundreds of boxes have been stacking up in 11 year-old Mchalie Walter’s garage.“The first time we got a ton of packages it made me really happy,” Mchalie said.Mchalie is overjoyed and she won’t even be the one opening the presents.RELATED: East County family's Santa treehouse helps families in needMchalie is collecting them for kids at Mott Children’s Hospital in Ann Arbor. She came up with the idea and had her mom reach out for donations on Facebook.“I was really surprised because she said this had been on her mind for some time but she doesn’t talk a lot about her time in the hospital, I was really proud of her,” Mchalie’s Mother Royale Walter said.The gifts are going to kids in the same hospital where Mchalie got treatment for cancer.RELATED: El Cajon students go bald in support of classmate teased after chemo“I remember being in the hospital on holidays and it was hard being away from my family so I just thought give a little joy to the kids that are in the hospital while they are there,” Mchalie explained.She’s planning on handing them out at her next appointment later this month.“I just really hope they are happy and I really hope they remember this because when we were in the hotels and hospitals, I remember getting a gift and having fun playing with it and that’s what I want the kids to remember,” Mchalie added.The family has collected more than 220 toys and presents as of Friday.They will keep collecting until Dec. 15, if you’d like to help, click here for the Amazon Wish List where you can purchase an item and it will ship to the family for delivery. 1765

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