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Mortgage rates have risen about half a percentage point since September. What does that mean for you if you’re buying a home now or plan to buy one soon?For starters, don’t panic.When you’re buying a home, the mortgage rate matters, but it shouldn’t monopolize your attention, says Robert Frick, corporate economist for Navy Federal Credit Union. “You shouldn’t focus on the rate and let that scare you into making a hasty decision about buying a house,” he says.How rising rates affect your monthly payment 520

Minneapolis city council passed 2021 budget funding that includes cutting .7 million from the city's police department and redirecting those funds to social programs, according to the Minneapolis Star Tribune, CNN and CBS News.The 2021 budget is the first one the city has passed since the death of George Floyd at the hands of police in May. Floyd's death sparked a nationwide protest movement against police brutality.According to the Star Tribune, the .7 million in police budget cuts will be redistributed to fund mental health crisis teams, as well as train 911 dispatchers to assess mental health crisis calls. The budget cuts will also allow other employees to handle theft and property damage reports.However, the Star Tribune notes that the budget keeps in place a plan for the department to hire more officers in future years. The council initially planned to pass a budget that would drop department staffing levels from 770 to 750 in 2022 but kept in place the department's current staffing target of 888 to avoid a veto from Mayor Jacob Frey."My colleagues were right to leave the targeted staffing level unchanged from 888 and continue moving forward with our shared priorities," Frey said in a statement. "The additional funding for new public safety solutions will also allow the City to continue upscaling important mental health, non-police response, and social service components in our emergency response system."The new budget comes as progressive Democrats call on local municipalities to "defund the police" and re-allocate those funds to social services. Other major cities like New York City and Albuquerque, New Mexico have removed funding from departments or shifted some emergency responsibilities away from armed police officers.Floyd died in May when a Minneapolis police officer kneeled on his neck for nearly nine minutes as they attempted to take him into custody for using counterfeit money to buy cigarettes. Several other officers stood by as Officer Derek Chauvin knelt on Floyd's neck as he struggled to breathe. Chauvin and three other officers face charges in connection to Floyd's death. 2140

NATIONAL CITY, Calif. (KGTV) - The National City City Council voted 4-1 Tuesday night to introduce a new ordinance that aims to close a loophole in a state law that prohibits the retail sale of cats, dogs and rabbits.Enacted on January 1, 2019, the new state law prohibits stores from selling animals unless they come from shelters or non-profit rescues. However, some pet stores have continued to sell what appear to be purebred and designer mix puppies that come from a small group of newly formed rescue organizations.One of those groups is called Bark Adoptions, based in Menifee. A 10News investigation found Bark Adoptions had been importing puppies from another supposed rescue in Iowa that had ties to commercial breeders.At National City Puppies, one of the two remaining pet stores in the city, signs on the dog cages in May showed they came from Bark Adoptions.The manager of National City Puppies, David Salinas, said he did not know where the dogs at his store came from beyond the listed rescues. But he defended his store in front of the city council, saying it comes down to consumer choice.“It’s the American way to have the freedom to choose where to buy a puppy,” said Salinas.As written now, the new ordinance says “a pet shop or retail pet store or its operator shall not sell, deliver, offer for sale, barter, auction or otherwise dispose of a cat, dog or rabbit.”There are exceptions, however, that would allow pet stores to offer “a cat, dog or rabbit owned by an animal shelter or animal rescue organization for purposes of adoption” but only if “the pet shop does not receive any fee from the adoption and does not have any monetary or ownership interest” in the animals. The ordinance still has to come back to the city council for a second reading and adoption before it goes into effect. 1835

Myrtle Beach, South Carolina's police department is dealing with national scrutiny after police removed a man after he reportedly purchased a meal for homeless man inside of a McDonald's.The incident, which took place on Wednesday, was recorded on video, and has since gone viral, generating a national buzz. Nearly 40 million people have viewed the video in the 24 hours since it has been released. The incident happened after police were attempting to remove a man, who is reportedly homeless was eating a meal inside McDonald's. The man recording the incident claimed that he brought the man into the McDonald's and purchased him a meal."You guys suck... He didn't ask me for food, I saw him across the street and brought him over here for food," Yossi Gallo said. Gallo was then warned that he was being disorderly."I’m getting kicked out of here because I gave a homeless guy food,” Yossi Gallo said on the video he posted. Gallo and the homeless man were removed from the McDonald's by police. Police claim that the homeless man was asking people for money. A claim Gallo disputed. Myrtle Beach Police released a statement involving Wednesday's incident: Officers were dispatched to the location after receiving a call, from an employee of the business, that a male was in the parking lot asking people for money. Upon arriving at the restaurant, an employee approached the officer and indicated the male was inside the establishment. The employee requested the officer issue a trespassing warning and asked that the person leave the premises. The officer advised the male of the request made by the business and issued the warning. A bystander, who was videotaping the incident was also trespassed from the location, at the request of the manager, for what management deemed as disorderly behavior. 1858

Motherhood is more than a full-time job. In fact, on average mothers work 58 hours over the standard full-time job, and they don't even get paid overtime.A study found that a working mom clocks in 98 hours, making it equivalent to working 2.5 full-time jobs.Welch's conducted a study of 2,000 American mothers with kids between 5 and 12-years-old. On average, a mother starts her day at 6:23 a.m. and doesn't conclude duties until 8:31 p.m, working a 14-hour day, seven days a week.According to Working Mother, moms only average about an hour and seven minutes to herself a day, spending the rest of the day doing things for others. Forty percent of moms feel that their life is never-ending, considering a week has only 168 hours and they're working 98 of those hours.Luckily, moms have things to help them get through their long days: Wet wipes, kids' TV shows, tablets, drive-thru meals. Additionally, grandparents and babysitters made the list and of course, wine and coffee."Busy moms may identify with the list of ‘lifesavers,' which highlights not just a rigorous workload but a constant requirement to feed and fuel the family, week in and week out,” said Casey Lewis, MS, RD, and Health & Nutrition Lead at Welches.  1252