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TELLER COUNTY, Colo. — Patrick Frazee, the man accused of killing his 29-year-old fiancée, Colorado mom Kelsey Berreth, was formally charged with murder Monday morning. The 4th Judicial District Attorney Dan May said he filed two counts of first-degree murder and three counts of solicitation. He said two first-degree murder charges were filed under separate theories: deliberation and felony. “Obviously, there’s only one murder in this case,” May said. “Under Colorado law, we file separate counts under different theories of first-degree murder. We filed under two theories: One is deliberation for murder. And the other is felony murder.”Frazee was arrested December 21 in connection to Berreth’s disappearance. The 29-year-old woman hasn’t been seen since November 22 and authorities have said they believe she is no longer alive.Authorities conducted searches at Frazee’s home in Teller County and Berreth’s home in Woodland Park, Colorado before arresting him on an investigation of first-degree murder charge and a solicitation of first-degree murder charge. On Thursday, a judge decided that Berreth’s parents will get temporary physical custody of Berreth and Frazee’s 1-year-old daughter. Teller County Department of Human Services will retain legal custody. As of Monday morning, Berreth’s body had not yet been found, though police in Twin Falls, Idaho said they thought they had found possible evidence in connection to the case. 1487

The officer who fatally shot Atatiana Jefferson in her home Saturday morning has resigned, Fort Worth interim police chief Ed Kraus said Monday. The officer may face criminal charges, Kraus said.Jefferson, 28, was killed around 2:30 a.m. Saturday after a neighbor called dispatchers to report the woman's front door was open, police said.Fort Worth Mayor Betsy Price said the killing of Jefferson was unjustified."I'm so sorry. On behalf of the entire city of Fort Worth, I'm sorry," Price told reporters Monday. "To Atatiana's family, it's unacceptable. There is nothing that can justify what happened on Saturday morning. Nothing."A lawyer for Jefferson says an outside agency should be brought in to investigate the killing."We don't think that Fort Worth police should be investigating it on their own," attorney Lee Merritt told CNN Sunday. He said police reached out to his clients, but they'd rather talk with independent investigators about the shooting.What we knowJames Smith, Jefferson's neighbor, told the 1030

The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983

The crush of an anxious crowd pressed Matt Wergers and his girlfriend through a glass door on the Riverfront Coliseum plaza in Cincinnati. Then, Wergers remembers, the duo ran through the turnstiles into the arena, where they thought 246

The first tropical system to slam the US this year is expected to make landfall as a hurricane. But days before landfall, it's already walloping New Orleans with widespread flooding.The National Hurricane Center predicts Tropical Storm Barry will form in the Gulf of Mexico by Thursday and strengthen to a hurricane by Saturday, when it's expected to make landfall in Louisiana. The tropical system has already spawned its first tornado warning and flash flood emergency, both in the New Orleans area.New Orleans resident Angela Catalano, whose house is already flooded, said she's worried about what's next."We took in about 2 feet of water in our basement/ground floor level," Catalano said. "I'm very concerned about the impending storm, with the Mississippi River near flood stage. I'm very worried about more flooding."Indeed, the worst is yet to come. Louisiana Gov. John Bel Edwards said about 10 to 15 inches of rain could fall within 24 hours between Friday and Saturday. Edwards declared a state of emergency Wednesday for all of Louisiana in preparation for the impact of the low-pressure system."That is a short time period for such an intense" rainfall, Edwards said.Even worse: The slow-moving storm is crawling at about 3 to 5 mph, the governor said. That means it could hover over the same place for long time, dumping rain relentlessly.Forecasters warned drivers to stay off flooded roads."A FLASH FLOOD EMERGENCY has been issued for Jefferson Parish! 4 to 6 inches have already fallen and 2 - 3 more is anticipated," the National Weather Service's New Orleans office tweeted. "Please do not drive in flooded roads! Seek higher ground if flooding!"New Orleans City Hall closed Wednesday as the ferocious weather kept pounding the city."As always during hurricane season, residents are reminded to review emergency plans, gather emergency supplies, and stay informed," Mayor LaToya Cantrell's office said. "Hurricane preparedness information is available at 1987

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