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Many schools are taking a different approach in helping children in school improve behavior.Dee Marie is bringing yoga to classrooms. She says she saw a need to teach non-violent coping skills after Columbine, so she created the non-profit group Calming Kids.The group teamed up with researchers at Harvard University to study the effects.“We got up to 93 percent less hitting,” Marie says. “We got incredible increase up to 86 percent increase in focus. Focus on their classwork, focus on their homework.”The simple techniques of the yoga practice are transforming behavior, even the behavior of bullies.“Students were able to settle in themselves better and started to get some ah-ha moments,” Marie says. “And what was really interesting was that the bullies started to recognize that they were bullies.”Marie’s program is global, reaching several states, Mexico and Puerto Rico.She's going back to the West Bank to teach for a second time next year.Similar programs are offered to help children.Jim and Lyneea Gillen started Yoga Calm when they saw students with learning disabilities or impacted by trauma having a tough time.“Initially I tried to get kids into counseling, but there weren't many services in a small town, and when there were, they weren't affordable for families,” explains Lyneea Gillen.The couple got their business accredited and began tracking results.“72 percent of the kids reported using the techniques at home unsolicited in a response to stress,” Jim Gillen says.Both programs now offer online courses.“It’s a solution to some of the problems we're seeing in schools right now,” Lyneea says. “I think we've met a need.”In Baltimore, some schools have even swapped detention for a meditation and mindfulness room and saw fewer children getting referred for discipline. 1812

LOUISVILLE, Ky. – The family of Breonna Taylor and their attorneys reacted Friday to the grand jury's decision not to bring homicide charges against the Louisville officers who shot and killed the 26-year-old in March.Watch their comments below:In a press conference led by civil rights attorney Ben Crump, he and the other lawyers called for the transcripts in the grand jury proceedings to be released.“When we think about this grand jury proceeding, if you want us to accept the result, release the transcripts, so we can have transparency,” said Crump.During the briefing at Louisville’s Jefferson Square Park, attorney Lonita Baker questioned whether Kentucky Attorney General Daniel Cameron even presented the grand jury with charges on behalf of the killing of Taylor.“Don’t tell us the grand jury made this determination, if it was your office’s determination,” said Baker.Following the attorneys’ remarks, a family member read a statement on behalf of Taylor’s mother, Tamika Palmer. In it, she said her daughter died because the system failed her.“Cameron alone didn’t fail her, but it ended with a lack of investigation failing her,” said Palmer. “The officer who told a lie to obtain a search warrant failed her. The judge who signed the search warrant failed her. The terrorist who broke down her door failed her. The system as a whole has failed her.”Palmer also said she never had faith in Cameron to begin with.“I knew he was too inexperienced to deal with a job of this caliber,” said Palmer. “I knew he had already chosen to be on the wrong side of the law. The moment he wanted to the grand jury to make the decision, what I had hoped was that he knew he had the power to do the right thing, that he had the power to start the healing of this city, that he had the power to help mend over 400 years of oppression.”Palmer was reassured Wednesday of why she has no faith in the legal system or the police that she said are not made to protect Black and brown people.“But when I speak on it, I’m considered an angry Black woman,” said Palmer. “But know this, I am an angry Black woman. I am not angry for the reasons you would like me to be, but angry because our Black women keep dying at the hands of police officers, and Black men, angry because our children are dying at the hands of police officers, and I’m angry because this nation is learning that our Black women, dying at the hands of police officers, and this is not OK.”Palmer said the world was robbed of a “queen” who was just starting her life.“You didn’t just rob me and my family, you robbed the world of a queen, a queen willing to do a job that most of us couldn’t stomach to do, a queen willing to build up anyone around her, a queen who was starting to pave her path,” she said. Palmer ended her statement by saying that she doesn’t wish the pain she’s suffering on anyone else.“I hope you never know the pain of your child being murdered 191 days in a row,” she said.The attorney general's office issued the following statement in response to the comments from Taylor's family and their attorneys: 3093

Meghan Markle will make a striking feminist statement in her wedding to Prince Harry on Saturday, choosing not to be chaperoned for much of the procession down the aisle of St. George's Chapel, Windsor, CNN has learned.In an unprecedented step for a royal bride in the UK, Markle will walk unescorted down the aisle of the chapel nave, after being met at the West Door by a member of the clergy. She will be accompanied in this first part of the wedding procession only by her bridesmaids and page boys, with the senior church figure walking ahead.Prince Charles will join her when she reaches the Quire, where the main royal guests will be seated. The Prince -- Harry's father -- will walk Markle down the Quire aisle to the foot of the altar. 752

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

MAMMOTH HOT SPRINGS, Wy. (KGTV) — A man police say was captured on video taunting a bison at Yellowstone National Park this week has been arrested.Glacier National Park rangers arrested 55-year-old Raymond Reinke, of Pendleton, Ore., Thursday just after 10:30 p.m.In the video, a man is seen Tuesday in the middle of traffic approaching the bison. He begins the taunt the animal, which becomes visibly agitated and charges the man multiple times.After the footage was shared out, Yellowstone Superintendent Dan Wenk called the man's behavior, "reckless, dangerous, and illegal," on Facebook, adding those who ignore rules for distancing themselves from wildlife risk their lives and threaten the park.Yellowstone requires visitors to keep at least 25 yards from animals like bison and elk, and 100 yards from bears and wolves.Tuesday's incident wasn't Reinke's first recent run-in with law enforcement either, according to police. He had reportedly been visiting multiple national parks over the last week.On July 28, he was arrested by law enforcement at Grand Teton National Park for drunk and disorderly conduct.He then traveled to Yellowstone, where his vehicle was stopped by rangers on July 31. He was cited as a passenger for failure to wear a seat belt, after rangers said he appeared drunk and argumentative, the park said.It's after this incident the park said they believed Reinke encountered the bison.Rangers investigating the video believed Reinke to be behind the incident and had his bond revoked and an arrest warrant issued.Rangers began searching for his vehicle, and he was located at Glacier National Park. Rangers there had received a call of two hotel guests creating a disturbance and identified one of the guests as Reinke.He was booked into Yellowstone Jail to await a scheduled court appearance Friday. 1842

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