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The holiday shopping season is upon us and it’s never too early to start scoping out gift ideas, especially for the children in your life. It can be hard to shop for kids because of rapidly changing toy trends and the sheer amount of choices in stores. To help make things easier, some of the nation’s largest retailers have already released toy catalogs highlighting some of the year’s hottest toys. 413

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 city of Chicago wants 0,106.15 in the next seven days from actor Jussie Smollett, to cover the cost of the investigation into claims he was attacked in what he described to police investigators as a possible hate crime.In a letter sent to Smollett in care of his attorneys, the city's corporation counsel says if Smollett doesn't pay, the city might prosecute him using Chicago's municipal code or other legal remedies."The city feels this is a reasonable and legally justifiable amount to collect to help offset the costs of the investigation," city spokesman Bill McCaffrey said.Smollett's defense team did not comment on the letter and referred CNN to an earlier statement, in which they said Mayor Rahm Emanuel and Police Superintendent Eddie Johnson need to apologize to their client."It is the Mayor and the Police Chief who owe Jussie -- owe him an apology -- for dragging an innocent man's character through the mud," the attorneys said. "Jussie has paid enough."In the letter, the city says two dozen police personnel worked the case, which used resources that could have been spent investigating other crimes.The city asked for a certified cashier's check or money order made out to "City of Chicago."Democratic mayor, Republican President outragesIt's not often that Emanuel and President Donald Trump agree. But on Thursday, they were united in outrage over the dismissal of Jussie Smollett's criminal charges.A prosecutor unexpectedly 1467

The high school basketball star whose refusal to get a chickenpox vaccine got him banned from school and the team came down with the illness last week, recovered and is back in class, his attorney told Scripps affiliate WCPO on Wednesday.Jerome Kunkel’s attorney, Chris Wiest, said the Northern Kentucky Health Department lifted the ban on Kunkel and their case is now in appeals court. Kunkel plans to seek a jury trial and ask for monetary damages, Wiest said.Kunkel, a senior at Assumption Academy in Walton, 524

The man accused of kidnapping 13-year-old Jayme Closs and killing her parents is due in a Wisconsin court for an arraignment.Jake Patterson, 21, is charged with two counts of intentional homicide and a count of kidnapping and armed burglary.Since his arrest in January, Patterson has communicated with TV journalists at least twice. In February, he sent a letter to a 379