Jack Dorsey’s whirlwind day included stock surge, White House visit

Twitter Chief Executive Jack Dorsey had a whirlwind day Tuesday, with the social network’s shares surging on a strong earnings report followed by an impromptu trip to Washington to mend fences with President Trump. Dorsey and a contingent of Twitter executives flew to the nation’s capital for a 30-minute powwow with the president — mere…
Technology News & Reviews | New York Post

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White House ordered Trump administration officials to boycott WHCA Dinner

The White House has ordered Trump administration officials to boycott the White House Correspondents’ Association dinner, according to a senior administration official.


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White House tells official not to comply with Democratic subpoena over security clearances

The White House has instructed a former official who was in charge of the security clearance process to not comply with a House subpoena demanding his appearance for an interview, the latest move by the Trump administration to thwart Democratic-led investigations into all aspects of the presidency.


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‘In every way, this is more significant than Watergate’: House Intel Chairman Schiff

ABC News

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Alex Trebek Says He’ll Return For ‘Jeopardy’ Season 36 — Lists Lake House For Sale

Alex Trebek wrapped up Jeopardy Season 35 and gave a special health update to his fans. The 78-year-old host of the show announced during Season 35 he had been diagnosed with stage 4 pancreatic cancer. He made the announcement in a video to his fans and in return, they rallied together in prayer and well wishes for the game show host.

On the last day of Jeopardy’s Season 35 taping, Alex Trebek provided a video update and stated the following.

“I wanted once again to thank you for your continuing messages of encouragement and support, particularly the many cards I’ve received from young people. I’m touched beyond words. I’ve always tried to be straight with you, and I’m not going to stop now, so despite what you may have heard, I’m feeling good. I’m continuing with my therapy and we, by we, the staff, is already working on our next season, the 36th year of Jeopardy.”

Jeopardy returns for Season 36 in September 2019.

You may see the full video announcement made by Alex Trebek in the video player below.

As Alex Trebek continues to focus on his health over the spring and summer, his fans continue to pray for him and hope he makes a full recovery.

In other news, Alex Trebek has listed his Lake Nacimiento, California home for $ 1.399  million. The house is described as being 2,600 square feet and includes a 1,500 square foot workshop. Located on 30 acres of Lake Nacimiento, there is a covered dock and ramp with a private launch making it perfect for water enthusiasts.

The property is furnished and includes some extras such as his and her Honda ATVs, a Sea-Doo and even a jet ski.

Alex Trebek began hosting Jeopardy in 1984 and many can’t imagine the long-running game show without him at the helm.

Though Alex Trebek is committed and determined to return to the show for its 36th season, it seems that will be his last. Alex Trebek’s contract expires in 2022, but he has hinted that he may retire in 2020.

It’s too early to tell what Alex Trebek will ultimately do. He appears strong, healthy and in good spirits and is motivated to return for Season 36.

Celebrity Insider

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Vulnerable House Democrats tread carefully in wake of Mueller report

Vulnerable House Democrats, mindful of President Donald Trump’s continued strength among Republican voters, are using caution in how they respond to the special counsel’s report, which detailed Trump’s efforts to thwart the investigation into Russian efforts to help him win the White House.


Reuters: Politics

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Those close to the President say he is furious at the people whose interviews with the special counsel created the epic depiction of a chaotic White House

By the time President Donald Trump had passed through the prime rib buffet at Mar-a-Lago on Thursday to sit for dinner with family and a top aide, the damning picture Robert Mueller’s report painted of his presidency had become clear.


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Top progressive pundit says Dems are worried about Bernie Sanders winning the White House in 2020

"Bernie right now has a better chance of winning than rest of field combined," said Cenk Uygur, founder of progressive news network TYT and host of "The Young Turks," who supported Sanders in 2016.
Politics

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Elizabeth Warren Calls for House to Begin Impeachment of Trump

Democratic presidential candidate Elizabeth Warren on Friday called for President Donald Trump’s impeachment, saying the country can’t afford to ignore the obstruction uncovered by Special Counsel Robert Mueller’s investigation.

“The severity of this misconduct demands that elected officials in both parties set aside political considerations and do their constitutional duty,” the Massachusetts senator wrote in a series of tweets. “That means the House should initiate impeachment proceedings against the president of the United States.”

Mueller’s report released Thursday identified at least 10 instances of potential obstruction of justice by the president, including discouraging others from cooperating with the Russia probe and dangling possible pardons.

Warren’s impeachment calls comes as House Speaker Nancy Pelosi and her top lieutenants have been trying to tamp down calls from progressive lawmakers in that chamber to begin impeachment proceedings.

Up until now, Mueller’s investigation has caused barely a ripple on the presidential campaign trail. Voters rarely mention it in questions to the candidates, and the contenders themselves have focused more on pocketbook issues like wages and health insurance.

Since Mueller’s report was released, several of the Democratic presidential contenders have suggested that impeachment should be under discussion, and some have urged further investigation. Warren’s comments appear to be the most direct call for the House to act.

Some of the other Democratic candidates such as Senator Kamala Harris of California and South Bend Mayor Pete Buttigieg stopped short of calling for impeachment when asked about it after the release of the Mueller report.

Warren decided to call for Trump’s impeachment after reading the Mueller report while on a campaign trip to Denver and Salt Lake City, according to an aide to the senator.

“Mueller put the next step in the hands of Congress. ‘Congress has authority to prohibit a President’s corrupt use of authority in order to protect the integrity of the administration of justice.’ The correct process for exercising that authority is impeachment,” Warren tweeted.

Around the same time as her announcement on Twitter, Warren sent an email to her list endorsing House impeachment proceedings against the president, which ended with: “I want to make sure you know where I stand.”

But the Warren aide, who asked for anonymity to discuss private deliberations, said Warren will continue to focus on her policy proposals and not on impeaching Trump when campaigning before voters.

Fortune

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Trump moves to resist House inquiries, setting up fight over congressional subpoena powers

The battle will shape how much material House Democrats will be able to obtain on the president’s policies and personal finances.
Politics

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White House snubs to Congress leaves Republicans as well as Democrats aghast

Republicans on Capitol Hill are raising alarms at the White House’s resistance to congressional demands, fearing President Donald Trump is bolstering the power of his office at the expense of Congress.


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‘Start Here’: White House actually ponders sending migrants to ‘sanctuary cities’

It’s Monday, April 15, 2019. Here’s what you need to know to start your day.
ABC News: Top Stories

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House committee sends new letter to IRS demanding Trump’s tax returns

House Ways and Means Chairman Richard Neal is not backing down on his request for six years of the President Donald Trump’s personal and business tax returns, he writes In a new letter sent Saturday to IRS Commissioner Charles Rettig.


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John Lennon dropped big bucks at House of Oldies record store

Any store would be thrilled to have a member of The Beatles browse their shelves. But when John Lennon would walk in to the West Village record store House of Oldies during the early 1970s, owner Bob Abramson had an extra reason to be glad. “He used to buy 45s by people like Carl Perkins…
Entertainment | New York Post

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From ‘Full House’ to Big House, Lori Loughlin Faces Two Years in Prison

Paul Marotta

Disgraced TV star Lori Loughlin and her husband Mossimo Giannulli could face a minimum of two years in the slammer over the bribes they allegedly channeled to a crew coach to get their daughters into USC, even if they plead out a deal with the feds.

While her fellow accused Felicity Huffman could spend as little as four months inside, Loughlin is likely to face a much heftier jail sentence due to the amount of money she is alleged to have forked out to get her daughters into the elite school.

TMZ reports that her alleged payment of $ 550,000 lifts her alleged crime into a different sentencing bracket, where the recommended minimum jail time is between 24 and 30 months.

Read more at The Daily Beast.

The Daily Beast — Entertainment

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White House planning executive order that aims to boost pipeline construction, lower energy prices

The effort was spurred by the blockage of the construction of the 125-mile Constitution Pipeline from Pennsylvania to New York.
Economy

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House Democrats seek 6 years of Trump’s personal and business tax returns

Ways and Means Committee Chairman Neal told the IRS: “This request is about policy, not politics.”
Politics

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House Committee Authorizes Subpoena For Full Mueller Report

Members of the House Judiciary Committee voted Wednesday to authorize issuing a subpoena to obtain special counsel Robert Mueller’s full report on Russian meddling in the 2016 election and alleged collusion with President Donald Trump’s campaign
RTT – Top Story

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FIrst on CNN: Key House Democratic chairman requests Trump’s tax returns

House Ways and Means Committee Chairman Richard Neal has formally requested President Donald Trump’s tax returns from the Internal Revenue Service, likely launching a battle with the administration that could stretch months or even years in the courts and could shed light on the President’s finances.


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The Briefing Room: Mueller report subpoena, White House health care plan, fight against Robocalls

ABC News

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A White House Whistleblower Outs Trump’s Careless Clearances | The Daily Show

The Daily Show with Trevor Noah

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Cresco Labs To Acquire Origin House For About C$1.1 Bln

U.S. cannabis company Cresco Labs Inc. will acquire cannabis distributor CannaRoyalty Corp. d/b/a Origin House in a deal valued at about C$ 1.1 billion, the two companies said Monday. The transaction, which represents the largest public company acquisition in the history of the U.S. cannabis industry, has been unanimously approved by the board of directors of both companies.
RTT – Top Story

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House Judiciary plans vote this week to subpoena Mueller’s report

The action is scheduled the day after a deadline for sharing the report with Congress that Attorney General William P. Barr is expected to miss.
Politics

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White House in disarray: Trump’s victory lap clouded by chaos

For some in the White House, Sunday seemed like the first day of the rest of Donald Trump’s presidency. By Friday, it was clear that while the cloud of Robert Mueller’s special counsel investigation had lifted, the pervasive disarray that marked most of Trump’s time in office was not going anywhere.


CNN.com – RSS Channel – Politics

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White House Attacks Democrats For Launching Probe Into Trump, His Close Aides

The White House lambasted Democrats for launching an inquiry into alleged obstruction of justice and abuse of office by President Donald Trump and dozens of individuals in his inner circle.

In a statement issued on Monday, White House spokeswoman Sarah Sanders said House Judiciary Chairman Jerrold Nadler, D-N.Y., opened up a “disgraceful and abusive investigation into tired, false allegations” al
RTT – Political News

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House intelligence Republicans call on Chairman Adam Schiff to resign

The nine Republicans on the House Intelligence Committee have signed a letter calling on House Intelligence Chairman Adam Schiff to resign as chairman, Rep. Mike Conaway, the Republican who led the panel’s Russia investigation, said Thursday.


CNN.com – RSS Channel – Politics

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Justin Bieber Is Bringing Drew House to Hong Kong

Justin Bieber is bringing his self-described laid-back style to Hong Kong.
The singer, who launched his own clothing label called Drew House in January, is opening the brand’s first pop-up shop in the city’s SoHo district from March 30 to 31 for Art Basel. The store will be designed as an interactive video rental store and will offer 18 unisex styles, including corduroy pieces, bucket hats and basketball shorts. As of Wednesday afternoon, it wasn’t confirmed if Bieber will make an appearance at the pop-up.

A look from Justin Bieber’s Drew House. 
Courtesy

Selling out of its first collection upon launch, Drew House has gained a famous client base, including Bieber’s wife, model Hailey Baldwin, Jaden Smith and Travis Scott, among others.
“As a small, new brand from Los Angeles we just wanted to be accessible to the other side of the world,” said Ryan Good, cofounder of Drew House, in a statement from the brand. “We wanted to serve a place that perhaps wouldn’t normally have first access to something like this. Hong Kong is one of the biggest and most forward-thinking markets for fashion in the world. Once we found this store location it was a done deal. It felt like a home away

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Late-night hosts tease White House over Post’s ‘Mueller Madness’ bracket

The Post’s “Mueller Madness” bracket was a hit at the White House — and on late-night TV, where hosts scored laughs by mocking Sarah Huckabee Sanders. President Trump’s spokeswoman tweeted Gotham’s favorite tabloid’s satirical sports-style bracket listing who op-ed editor Sohrab Ahmari said “peddled the most nonsensical” collusion theories. “How many times do the Democrats…
Media | New York Post

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Here’s How to Calculate How Much House You Can Afford

It seems like everyone has a rental horror story. Maybe it’s about a landlord whose idea of repair consists solely of duct tape. Maybe it’s the stress of rising rent. Or maybe you’ve just woken up one too many times to find yourself sharing your bed with an uninvited colony of insects.

Whether or not the decision is made alongside a parade of ants, when the pot finally does boil over, many of you will end up uttering (or yelling) the same four words: It’s time to buy.

As exciting as that pivotal moment is, it also brings a host of new considerations. But before you can decide where to buy or what you’re looking for, you have to figure out how much house you can afford.

Calculate How Much House You Can Afford

While it can be tempting to immediately start browsing the listings, the first step in knowing your budget is to take these into consideration:

  • Your monthly take-home pay.
  • The size and terms of the loan you’ll take out.
  • The size of your down payment.
  • The hidden costs of homeownership.

How Much Money Do You Actually Take Home?

The first order of business when making a budget is to determine how much of your salary is actually available to you.

In general, employers quote you the amount they pay out (your gross pay) rather than the amount you take home (your net pay). There are several deductions taken out of your paychecks for things like taxes, insurance and retirement contributions, depending on your workplace.

When you think about what you can afford for a new home, you should always think about your net pay, because that’s the amount of money you will have at the end of every month.

For help finding your net income, check out our guide on how to calculate take-home pay

For the sake of this article, let’s assume Sam and Pat have a gross household income of $ 100,000 per year. They’ve calculated that this means a net income of $ 68,000, or around $ 5,660 every month.

First Things First: The True Cost of Your Home

A photo of house keys on several 100 dollar bills.

Buying a home is a unique experience, unlike anything else you’ve ever purchased before. That’s because the price you see at the top of the listing isn’t really what you’ll end up paying.

Here’s where things get tough for the first-time buyer. Even though the house you want has a certain value on paper, due to added costs, as well as the long-term interest on the loan you will take out to buy it, you will inevitably end up paying much more for the house over the length of the term.

In fact, based on the length of that mortgage, you could pay almost double the price you bought the home for. While that’s frustrating to think about, it also has a major impact on some of the decisions you have to make up front, and it all begins with your financing.

Your Mortgage or Line of Credit

Unless you’ve been saving for years — or perhaps you’ve recently robbed a bank — chances are you won’t pay for your home in cash. The majority of home buyers will be taking out a loan to pay for the bulk of their purchase.

Of course, as we all know, there’s no such thing as free money. A new home is a major investment, and that means any loan you take out for it is a major commitment as well. When it comes to a loan of this size, there are three things that should take center stage in your decision process:

Here’s What’s Really in Your Monthly Payment

Your monthly payment is the total amount you will owe every month for the length of the loan, based on the term, the interest rate and the principal:

  • Term: The term of a home loan is how long it will take you to pay back both the principal and the interest. One reason buying a new home is such a commitment is that the average term of a U.S. mortgage is 30 years! Depending on your financial situation, though, there are options available to make this shorter. A 15-year term — if you can afford the higher monthly payment — will drastically cut down on the true price of your home.
  • Interest rate: Every loan comes with interest. This is the amount above and beyond the principal that you have to pay back to the lender. It’s important to note that this interest is compound interest, which means that interest is calculated every month based on the total amount owed.
  • Principal: This is the total amount that the lender will provide to you. For a home loan, it’s equal to the total value of the home minus your down payment.

Unless your down payment is more than 20% of the value of the home, this payment will also include private mortgage insurance, which is a fee charged by a lender to insure them against default.

It’s this monthly payment number more than any other factor that typically determines how much house you can afford.

It is recommended by experts to spend no more than 25% of your take-home pay on your housing. When we apply this to Sam and Pat we find that they would be able to afford a monthly payment of $ 1,415.

Keep in mind that while the 25% recommendation is a strong one, it won’t necessarily be a recommendation shared by your lender. In fact, your lender may very well try to get you to take on a bigger loan than you should. Stick to the 25% rule, however, and you’ll be keeping your home costs affordable as well as realistic.

The Importance of Your Down Payment

Though it’s rare to buy a house in cash, the amount of money you have available on hand greatly influences the selection of homes you will be able to afford.

In fact, the size of the down payment you can make on your home can change not only the price range of homes you’re looking for, but also the true cost of the loan.

And the more money you have to put down, the less the total principal of your loan will be. With that in mind, most experts recommend paying no less than 10% of the price of your home upfront.

Even still, 10% is not ideal. Those who are looking to minimize their payments should actually be paying 20%. If you can afford to put down 20% of the value of your home, you will not have to pay private mortgage insurance, which can substantially lower your monthly payments.

Now, Sam and Pat have been thinking about buying a new home for a while. (A few years ago, they had a bad experience with a leak from the apartment upstairs, and they are so done with that kind of thing.)

In that time, they’ve eaten mostly ramen noodles and rice, they’ve cut the cable cord and most important of all, they’ve kept up with The Penny Hoarder.

Through all that hard work, they’ve managed to save $ 60,000. That should make a substantial dent in a loan!

The Difference Between Adjustable and Fixed Rates

Even with the most important considerations out of the way, there are still several different mortgage options available, with different interest rates and repayment lengths. Here’s what to look for in fixed and adjustable rate loans:

Fixed Rate

With a fixed-rate loan, your interest rate is locked in. If it starts at 4.5%, it will always be 4.5%. For homebuyers, this means that if you can get a fixed-rate mortgage when rates are low, you will pay less overall. This is the best option in most cases.

Adjustable rate: If you opt for an adjustable-rate mortgage, then after a set period of time with a fixed rate, your interest rate can change if the market does. There are very few situations in which this is a better option than a fixed-rate loan.

The Hidden Costs of Homeownership

A woman opens a door in the dark hallway of a house.

Of course, there’s still more to think about. When you buy a house, you’re not just buying a structure. You’re making an investment. As with all investments, there is a substantial amount of upkeep that you need to pay for just to keep your home in good working order.

There are repairs and renovations, sure, but those are often unexpected and can be covered by an emergency fund. Unfortunately, there are also major expected costs associated with buying and owning property that need to be factored into your base home budget.

Property Tax

Yes, it’s always the taxes that get you! Every jurisdiction has its own property tax rate, and this is often added to your monthly loan payment.

When you’re browsing for a new home, you will generally find an annual tax rate included on the listing. That number is just an estimate and will be updated by your municipality every so often depending on the housing market.

Regardless, it’s a good approximation, and if you divide it by 12, you can get a sense of how much it will add to your monthly payment.

Home Insurance

You should never be without homeowner’s insurance. Legally, you’re not required to have a policy on most mortgages, so it may seem like an unnecessary expense.

But if you shop around to find a good policy, this shouldn’t add more than $ 100 to your monthly payment. If disaster strikes, it may be the only thing that helps you rebuild, which is why a good rule to live by is: If you can’t afford home insurance, you shouldn’t be buying a home.

Closing Costs

Some of the most overlooked costs of owning a home are the fees and expenses that come along with the actual purchase of the property.

Since they’re not included in the sale price, they can catch a lot of first-time buyers off guard. In some cases, they may even limit the home you can afford.

That’s because, like the down payment, they often need to be paid in cash, and will cost between 2% and 5% of the price of the home.

What they’re actually comprised of is a lengthy list that includes lawyers’ fees, taxes, inspection costs and other necessities that are unavoidable when buying real estate (for a full list, check here). Keep in mind, though, that the buyer doesn’t typically pay any of the realtor’s fees, so at least you have some respite there.

How would this affect Sam and Pat? Well, they should be taking this amount out of their savings, which will lower the down payment they can make. If they want to keep to a 20% down payment so they can avoid private mortgage insurance, it will affect their total budget for their home.

Sam and Pat: How Much House Can They Afford?

With all that in mind, how do Sam and Pat fare as a couple making $ 100,000 a year?

  1. We know that they have an annual gross pay of $ 100,000, but only take home about $ 5,660 per month.
  2. Using 25% of their monthly income on housing, that gives them $ 1,415 to work with.
  3. They’ve saved up $ 60,000 in cash by scrimping and saving, but not all of that can go to the down payment due to closing costs.
  4. They want to make their down payment as high as possible to lower their monthly mortgage payments. They’re aiming for 20%, so they can take advantage of not having to pay private mortgage insurance.

All told, Sam and Pat are in a pretty good situation. If they looked for a home listed around $ 260,000, their 20% down payment would be $ 52,000, leaving them $ 8,000 for closing costs — right in expected the range of 2% to 5%.

Better yet, with a fixed-rate 30-year mortgage at 4.5% interest, they’d only need to pay about $ 1,385 monthly, which includes a $ 1,000 yearly insurance plan and an average 1.15% property tax cost of $ 2,990 per year.  

Making It Easy with a Mortgage Calculator

Thankfully, you don’t have to go through all the math yourself!

There are plenty of reliable online calculators, like this one, which can estimate all of this for you using the information discussed above and ensure that you can stay excited for the new chapter in your life.

Yes, it can be scary. But it doesn’t have to be if you plan ahead.

Curtis Westman is a writer who has gone through the process of buying a new home twice… and who, while writing this, has tried his hardest not to start browsing the listings all over again.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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What Credit Score Do You Need to Buy a House? We’ve Got the Details

Whether you’re eyeballs-deep in mortgage paperwork or you’re just beginning to consider (figuratively) kissing your landlord goodbye and buying a home, one question is probably weighing heavily on your mind: What credit score is needed to buy a house?

The answer is — like practically everything about real estate and the homebuying process — complicated.

Lenders do care a lot about your credit score because it tells them how you’ve managed money in the past. The lower your score, the higher your risk of defaulting.

But the truth is, there’s no one magic credit score that guarantees you’ll be approved for a mortgage.

And while your credit score is one of the most important factors your lender considers when you apply for a mortgage, that three-digit number isn’t the only thing that determines whether you’re approved or denied.

Wait, What’s a Credit Score? And What Credit Score Is Needed to Buy a Home?

First things first: A credit score is a number that tells creditors how likely you are to repay debt.

But you do not have just one single credit score. You have three scores, one with each of the major credit bureaus: Equifax, Experian and TransUnion. The scores are generated by FICO, a data analytics company, using information provided by each bureau.

But where it gets tricky is that lenders often use industry-specific versions of your score. That’s because your risk of defaulting on a home loan is different from your risk of not making your car payment.

FICO scores range from 300 (relax, there’s almost zero chance yours is this low) to 850. As of 2015, the average credit score was 695, according to ValuePenguin.

You’ll typically get the best rate and terms on a mortgage if you have good credit — usually about 760 or higher.

But what’s the lowest credit score you can have if you want to buy a house? Let’s say it all together now: It’s complicated.

You may have seen advertisements for homebuyer programs with low minimum credit score requirements.

We’ll discuss the requirements for specific programs later, but for now, let’s look at the increasingly popular FHA mortgage, which is a loan insured by the Federal Housing Administration known for its low down-payment requirements and credit score leniency.

You can qualify for an FHA loan with a 3.5% down payment with a credit score as low as 580 — which is considered a poor credit score.

But having a 580 credit score does not guarantee you will be approved for an FHA loan or any other mortgage. That’s just the minimum for the federal government to insure your loan.

Each lender has its own criteria that determine whether you’re approved for a mortgage, and with a 580 credit score, it would probably be difficult to find a lender to approve your mortgage.

Consider the following Credit Sesame survey of 600 people who applied for a mortgage:

Of those who applied for a $ 150,000 mortgage, 62% of respondents with a credit score in the “fair” range (650-700) were denied. Applicants with a “good” score of 700-750 were denied 23% of the time. Meanwhile, 91% of applicants with a score below 550 were denied.

The bottom line is: There’s no absolute minimum credit score to get a mortgage, but the higher your score, the better your odds are of approval.

A row of houses.

Do Mortgage Lenders Look at All Three Scores?

It depends on the lender. Some will just pull one score; others use two or all three. If your lender pulls two scores, it will usually use the lower one. If it pulls all three, your middle score will typically be used.

Can You Get a Mortgage if You Don’t Have a Credit Score?

The frustrating thing about credit is that paying your rent, utilities and other bills on time doesn’t help you build a credit history.

According to ValuePenguin, about 1 in 7 adults in the U.S. have no credit score, typically because they haven’t used credit in at least six months.

If you don’t have a credit score, it will be difficult (but not completely impossible) to get a mortgage.

If you have a history of paying your bills on time, you may be able to qualify for an FHA loan with no credit history, although it might be tough to find a lender.

You’re more likely to get approved through a smaller lender, particularly one that offers manual underwriting, which basically means that a human, rather than an algorithm, decides whether you’re approved.

What if I’m Applying for a Mortgage With a Spouse or Someone Else?

Your lender will look at both of your credit scores — which means that if your spouse or any other co-applicant has a low credit score, it could disqualify you.

If your partner has bad credit, one workaround would be to leave them off the application, meaning the home and debt would be solely in your name.

You could always refinance and add them as a co-borrower once they improve their credit.

What Other Factors Do Mortgage Lenders Consider?

Your credit score can absolutely make or break your application.

That said, lenders want to know A LOT about you before they approve you for what’s probably the biggest purchase of your life. Here are some other factors they’ll consider.

Income

While lenders have different requirements, a good rule of thumb is that your principal, interest, property taxes and insurance payments (both property and private mortgage insurance), plus homeowner association fees if applicable, shouldn’t exceed 28% of your pretax income.

Debt

Lenders want to make sure you don’t have too much debt. That’s why they pay close attention to your debt-to-income ratio, which is the percentage of your gross household income that goes toward minimum debt payments.

To get a qualified mortgage — that is, one that complies with the Consumer Financial Protection Bureau’s regulations that were designed to make sure borrowers could afford to repay their loans — you’ll need a debt-to-income ratio of 43% or lower.

You may still be able to get a mortgage if your debt-to-income ratio is higher than 43%, but it’s likely to come with high fees and other risky features.

Down Payment

Chances are, you won’t need the traditional 20% down payment. But if you can afford it, it does come with lots of advantages: lower interest rates and monthly payments, and you might not need private mortgage insurance.

We’ll get into specific types of mortgages and how much you need to put down for each later, but the median down payment for first-time homebuyers is just 6%, according to the National Association of Realtors. And some programs allow you to put down even less.

If you have a weak credit score, a larger down payment could help you get a mortgage loan for that new home.

Employment History

Your lender will typically want to see at least two years of continuous employment before approving you.

This doesn’t necessarily mean you need to have stayed in the same job for the two years before you get a mortgage, although if you’ve recently switched to a completely different field, this could make your lender nervous.

Minimum Credit Score by Mortgage Type

A house with a sun low in the sky.

The government “backs,” or insures, some mortgage loans, such as the FHA loans we discussed earlier.

With these loan programs, the government guarantees lenders that they’ll get paid even if borrowers default.

As a result, riskier borrowers with lower credit scores are able to get mortgages they might not qualify for otherwise. These are known as unconventional loans.

A conventional loan is a mortgage that isn’t backed by the government. That means banks have stricter criteria for approval.

They typically require that these loans meet the standards set by Fannie Mae and Freddie Mac, the giant government-controlled companies that buy up loans and sell them on the secondary mortgage market.

(Fun fact: Your bank or credit union will probably sell your home loan on the secondary mortgage market, rather than holding on to it for the life of the loan.)

Below are the minimum requirements for each type of loan.

Remember, though: These are just the minimum requirements that the government sets to back unconventional loans. In the case of conventional loans, they are the requirements set by Fannie and Freddie to repurchase loans. Your bank or credit union will often require a higher score.

Conventional Loans

If you qualify for a conventional loan, you’ll pay lower interest rates. You can also often avoid paying an upfront mortgage insurance payment, which many unconventional loans require.

Conventional loans typically require a down payment of at least 5%.

Minimum credit score: 620-640

FHA Loans

These FHA-insured mortgages have smaller down payments and closing costs than conventional loans, but you have to pay an upfront mortgage insurance premium of 1.75% of the loan’s value.

Also, your monthly payment can’t be more than 31% of your gross monthly income.

Minimum credit score: 500 if you put 10% down; 580 if you put down 3.5%.

VA Loans

The U.S. Department of Veterans Affairs insures parts of mortgages for active-duty military, veterans and surviving spouses.

No down payment is required, but you have to pay an upfront funding fee of 2.15% to 2.4% of the loan unless you qualify for a waiver.

Minimum credit score: No minimum score is required by the VA, but lenders usually require a score of 620.

USDA Loans

The U.S. Department of Agriculture (USDA) backs mortgages for homes in certain rural areas through this program. No down payment is required.

Minimum credit score: No minimum score is required by the USDA, but lenders usually require a 640.

How Your Credit Score Affects Your Mortgage Rate

The lower your credit score, the higher you can expect your interest rate to be on your mortgage. That’s because your interest rate is based in part on how risky you’re considered as a borrower.

FICO has a handy mortgage calculator that shows you how much interest you can expect to pay on a mortgage loan based on your credit.

As of Feb. 1, 2019, if you have a credit score of 760 or above, you could expect to pay an annual percentage rate (APR) of 3.979% on a 30-year fixed loan of $ 150,000. But if your credit score is between 620 and 639, your APR would be around 5.568%.

You may be thinking: “So what? What’s a measly 1.6 percentage points?” Well, consider how your interest rate affects your payment over the life of the loan:

FICO score APR Monthly principal payment Total interest paid
760-850 3.979% $ 714 $ 107,151
700-759 4.201% $ 734 $ 114,101
680-699 4.378% $ 749 $ 119,710
660-679 4.592% $ 768 $ 126,570
640-659 5.022% $ 807 $ 140,610
620-639 5.568% $ 858 $ 158,914

In the example above, having a credit score of 760 or higher would save you more than $ 50,000 over 30 years compared with if your score was in the 620-639 range.

How to Get Your Free Credit Score

OK, so now you know that having a good credit score is mega important when you apply for a mortgage. But how do you find out your credit score?

To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report, how it affects your score and how to address it — in layman’s terms.

4 Steps for Improving Your Credit Score Before You Buy a House

A couple moves into a house.

So, what if you’ve checked your credit score and what you found was less than desirable? You can improve your score. It’s not going to happen overnight, but these tips can help.

1. Make On-Time Payments No Matter What

Your payment history is the most important factor in determining your credit score, accounting for 35% of your score.

Set up automatic payments for at least the minimums using your bank’s online bill-pay system so you’re never late on a payment.

2. Look for Errors on Your Credit Report

More than 1 in 5 consumers have at least one possible error on their credit reports, according to the Federal Trade Commission.

Removing inaccurate negative information, such as a delinquent account that doesn’t belong to you, is the quickest way to boost your score.

If you find errors on any of your credit reports, your first step is to dispute the information with the bureaus.

3. Ask Your Credit Card Companies to Increase Your Limits

Your credit utilization ratio — the percentage of your overall credit that you’re using — accounts for 30% of your credit score. Generally, you want to keep this number below 30% to have a healthy credit score.

By increasing the amount of credit you have available, you’ll lower your credit utilization. Because opening a new account can ding your score, asking for more credit on your current accounts is usually better.

4. Keep Paying Down Your Balances

Make an action plan to pay down debt, and avoid adding new charges so you can continue to lower your credit utilization ratio.

Remember: Mortgage lenders want to see a healthy debt-to-income ratio, so paying down debt will increase the odds of your approval.

Even if you can’t get a traditional mortgage because of your credit score, there are still alternative ways to buy a house without credit.

But if you want to own a house, it might be in your best interest to keep paying off your debt and improving your scores. Think of all the money you’ll save in the long run.

Robin Hartill is a senior editor at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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White House, Congress brace for Mueller report

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Wendy Williams reveals she’s been living in ‘sober house’

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The sheer volume of tweets Sunday were a testament to the network’s influence within the White House

Experts say the back-scratching relationship between President Trump and Fox News is unlike anything in the history of American media.


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U.S. House technology panel heads seeks delay in 5G spectrum auction

Leaders of the U.S. House of Representatives’ Science, Space and Technology Committee on Wednesday asked the Federal Communications Commission to delay a planned radio frequency spectrum auction for 5G wireless communications.


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10 Questions to Help You Decide Whether to Rent or Buy a House

Buying a house has long been the American Dream—a dream preceded by years of working saving, and renting. But if you make that transition from renter to buyer prematurely, you could end up having trouble making ends meet once you finally have that house. Even worse, you could face foreclosure. If you’re currently renting but considering making the leap to homeownership, the following questions will help you determine whether you’re ready to buy a house. If you answer “no” to any of the following questions, renting may be your best bet—at least for a little while longer.
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The Briefing Room: House anti-hate resolution, Kelly speaks, Cohen’s honesty, Green New Deal

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House Democrats splinter over response to Rep. Omar’s alleged anti-Semitism

“There’s a deafening silence about how the country is changing in terms of tolerance,” said Rep. Cedric L. Richmond (D-La.), who questioned whether leaders were applying a double standard.
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House Resolution to Condemn Anti-Semitism, Anti-Muslim Discrimination, and White Supremacy

The House of Representatives is expected to vote on a resolution Thursday condemning anti-Semitism, anti-Muslim discrimination, and bigotry following Democratic Rep. Ilhan Omar’s controversial comments about the role of pro-Israel activists in the U.S. government.

“This is an opportunity once again to declare as strongly as possible opposition to anti-Semitism, anti-Muslim statements,” and “white supremacist attitudes,” said House Speaker Nancy Pelosi, according to the New York Times.

The resolution addresses the growth of hate crimes over the past few years, stating, “whether from the political right, center, or left, bigotry, discrimination, oppression, racism, and imputations of dual loyalty threaten American democracy and have no place in American political discourse.”

Pelosi reportedly said Thursday that the resolution is not about Omar, but about all kinds of hatred. While it does have a wider frame of condemnation, the resolution specifically mentions the idea of “dual loyalty” that Omar has been criticized for mentioning, “especially in the context of support for the United States-Israel alliance.”

Omar–a Minnesota Democrat and one of two Muslim women in Congress–came under fire last week for arguing the American Israel Public Affairs Committee pushes for “allegiance to a foreign country.” This isn’t her first comment to be labeled anti-Semitic: Omar apologized for similarly controversial tweets last month while maintaining her criticism of AIPAC.

Pelosi said that while it’s up to Omar to explain her comments, “I do not believe that she understood the full weight of her words.”

Some Democrats have harshly condemned Omar for her words while others asked why the House does not equally condemn discriminatory comments made by President Donald Trump and their GOP colleagues. Thus the resolution also denounces all bigotry, anti-Muslim discrimination, and white supremacy.

“The president may think there are good people on both sides,” said Pelosi, referencing Trump’s comments following the 2017 white supremacist march in Charlottesville. “We don’t share that view.”

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Rachel Roy Talks Consumers’ Role in Ethical Fashion, White House Chat About Child Labor Issues

A week after discussing child labor with first lady Melania Trump and Nobel laureate Kailash Satyarthi, Rachel Roy wants to keep the conversation going in the fashion industry.
Roy, a U.N. Women-appointed Champion for Innovation and Change, continues to help organize screenings and talks about the documentary “The Price of Free” that highlights Satyarthi’s crusade to end child slavery. Last week the pair joined human rights activist Kerry Kennedy for one at The New School’s Parsons School of Design. Three more screenings are planned in the next few months including one at the Copenhagen Fashion Summit.
Worldwide, 218 million children between the ages of five and 17 are employed including 152 million who are victims of child labor, according to the United Nations. Of those who are forced to work, nearly half of them — 73 million — work in hazardous child labor conditions.
“What I love about Kailash is that he takes the approach that companies just don’t know. That is actually the case. We think the factories are compliant and that are agents [overseas] are doing what we pay them to do but in many, many cases we don’t know. Then we’re given the chance to correct that. That’s what is

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President Donald Trump: House Democrats ‘Want To Focus On Nonsense’ With Subpoenas | NBC News

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House Democrats seek information on Trump and Putin communications

Three powerful House Democratic chairmen sent letters on Monday to the White House and the State Department requesting detailed information on communications between President Donald Trump and Russian President Vladimir Putin, the latest effort by House Democrats to investigate the administration and its relationship to Russia.


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House investigators demand ‘immediate’ compliance from White House on turning over documents related to Kushner clearance

The request from a committee chairman came after a report that Trump had ordered his then-chief of staff to grant a clearance to his son-in-law.
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House Passes Resolution To Block Trump’s Border Wall Emergency

The House of Representatives has passed a resolution to overturn President Donald Trump’s national emergency declaration to fund a wall along the southern border with Mexico.

A resolution to terminate the President’s emergency declaration under a provision of the National Emergencies Act (NEA), introduced by Rep. Joaquin Castro, D-Tex., was approved 245-182 in a largely party-line vote. Just thir
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House Oversight Committee chairman Elijah Cummings refereed after two members, a Democrat and a Republican, began arguing about racism during Cohen’s testimony


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House to vote on terminating Trump’s national emergency declaration for border wall

Donald Trump has vowed to veto measures that block funding for a border wall.
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House prepares to vote on overturning Trump’s emergency declaration

Resolution is expected to pass in the chamber, but Republicans want to be sure the margin isn’t veto-proof.
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Iraqi antique collector turns his house into a museum

There is more than a century of Iraqi history in Sheikh Yousif Akar’s house, a modest home in the holy city of Najaf which the retired teacher has crammed full of local antiques collected over 50 years.


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Kraft Heinz reportedly looking to sell Maxwell House

Kraft Heinz seems intent on squeezing the last drop out of Maxwell House. The packaged-food giant is considering a sale of the coffee brand that could fetch as much as $ 3 billion — so long as there are buyers willing to slurp down the supermarket staple, CNBC reported Sunday, citing sources. Brew-at-home brands such as…
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The House intel chair says he’s willing to sue if the special counsel’s report isn’t made public

House Intelligence Committee Democrats are willing to compel Special Counsel Robert Mueller to testify before their panel and sue the administration if that’s what it takes to make public Mueller’s report on his investigation into possible Russian involvement in the 2016 election.


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House Panel Probes White House Plan To Build Nuclear Reactors In Saudi Arabia

The House of Representatives’ Oversight and Reforms Committee has launched an investigation into White House efforts to transfer sensitive U.S. nuclear technology to Saudi Arabia, so that they can build nuclear reactors across the kingdom. Tuesday, Rep. Elijah E. Cummings, the Chairman of the Committee on Oversight and Reform, issued an interim staff report after multiple whistle blowers came for
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VIDEO: Welcome to His Home! Harry Hadden-Paton Tours Henry Higgins’ House at MY FAIR LADY

Harry Hadden-Paton has grown accustomed to his home on Wimpole Street and he’s giving us a tour of Michael Yeargan’s Tony-nominated scenic designGo inside Henry Higgins’ home in the video below.
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Fashion House Prada Brings in Ava DuVernay to Help with PR Damage Control

After facing recent backlash over selling monkey-faced keychains that many saw as a emulating historically racist blackface, Prada is attempting to do public relations damage control by aligning itself with one of Hollywood’s most powerful black women, Ava Duvernay.

In a press release, Prada Group announced that DuVernay “will co-chair the Prada Diversity and Inclusion Advisory Council (“the Council”) to elevate voices of color within the company and the fashion industry at-large.”

The company also announced that artist and activist, Theaster Gates, will also serves on the council.

“Prada is committed to cultivating, recruiting, and retaining diverse talent to contribute to all departments of the company,” said Miuccia Prada, CEO and lead creative director at Prada in the press release.

“In addition to amplifying voices of color within the industry, we will help ensure that the fashion world is reflective of the world in which we live, and we are thrilled to be working with long-time collaborators, Ava DuVernay and Theaster Gates, on this important initiative. We look forward to working with the Diversity and Inclusion Advisory Council to help us grow not only as a company but also as individuals.”

Prada is one of the fashion brands that have come under fire for what critics say are racially-insensitive and sometimes outright racist imagery associated with their fashion collections. Fashion house Gucci ignited a firestorm recently by selling a black balaclava sweater that many say bears the racist emblem of the black Sambo caricature.

And Burberry recently apologized after a model walked the runway wearing a hoodie featuring a noose during its London Fashion Week show.

“My work amplifies the voices that have been absent from broad cultural conversations, and I am happy to partner with Prada to advise on processes that will make the company and industry more reflective of the world today,” said Theaster Gates via the press release.

 

 

The post Fashion House Prada Brings in Ava DuVernay to Help with PR Damage Control appeared first on Black Enterprise.

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House Speaker Pelosi ‘thrilled’ to receive VH1 Trailblazer honor

U.S. House of Representatives Speaker Nancy Pelosi says she is “thrilled” to receive a VH1 Trailblazer honor for her work on healthcare and worker’s pay. Rough Cut (no reporter narration)


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White House defends Trump’s emergency declaration as lawsuits and political battles mount

President Trump’s declaration of a national emergency has been hit with several lawsuits, and lawmakers are divided as to whether the move is legitimate or constitutes a power grab that must be stopped.
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Former acting FBI director: Rosenstein ‘offered to wear a wire into the White House’

Former acting FBI Director Andrew McCabe said Sunday that Deputy Attorney General Rod Rosenstein “offered to wear a wire into the White House.”


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15 Ways Presidents Made the White House Feel Like Home

A house isn’t a home until you’ve filled it with creature comforts, decorated it to suit your taste, and customized it in ways that bring you joy—and the White House is no exception. Click through for a list of the most memorable, heartwarming, and at times eccentric renovations that past presidents have made to transform the White House into their family home.
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Report: President Trump Installs $50,000 Golf Simulator in the White House

President Trump has installed a room-sized golfing simulator inside his personal quarters at the White House, the Washington Post reported on Wednesday.

The device, which reportedly cost $ 50,000, will enable the President to simulate playing on some of the world’s most famous golf courses. Trump paid for the simulator and its installation himself, according to the report.

The system replaced a less-sophisticated simulator that had been installed by President Barack Obama.

Before he became President himself, Trump frequently complained that Obama golfed too much during his term. He tweeted about Obama’s golf hobby 27 times from 2012 to 2016, according to SB Nation.

However, Trump has spent significantly more of his time as President golfing than Obama. The Washington Post reports that Trump plays about 70 rounds of golf a year, while Obama played, on average, 38 rounds.

Golf courses have also been a signature part of Trump’s career as an hotelier. The Trump Organization operates 17 golf courses, according to the company’s website.

This year got off to a slow start for Trump’s golf hobby. During the 34-day government shutdown, Trump didn’t golf at all. After the shutdown ended, he broke his golf-free streak by playing a round of golf on his Mar-a-Lago estate with golf stars Jack Nicklaus and Tiger Woods on Feb. 2.

Trump hasn’t used the simulator yet, the Post reports.

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Minnesota man pleads guilty to sexually assaulting 2 daughters in ‘house of horrors’

A Minnesota man admitted Wednesday to physically and sexually abusing his developmentally disabled twin daughters over the course of several years in a case the local media dubbed a “house of horrors” affair.
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Rapper Calls Childish Gambino ‘House Slave’ After Grammy Win

Childish Gambino/Donald Glover might want to put his lawyer on speed dial ’cause rapper Jase Harley appears to be getting ready to come for him in the wake of Gambino winning big at the recent Grammys.

Harley is straight up calling Gambino a “house slave” because he now thinks his song “American Pharoah” was ripped off by the actor/singer/rapper.

A TMZ camera guy caught up to Harley on Monday in NYC and learned he was upset with the Childish one because earned he 4 Grammys, including Record of the Year, for his huge hit, “This Is America,” among other top accolades during Sunday night’s award show.

Here’s more via TMZ:

It’s a bit tough to follow Jase’s logic, but he apparently feels Gambino set black culture back by not attending the show and speaking on behalf of the racial issues he raises in the song … and, perhaps most importantly, not acknowledging Jase as an inspiration.

This was a thing a few months back when the song first dropped — people accused Gambino of ripping Jase off, ’cause ‘TIA’ sounds a lot like Jase’s track, “American Pharaoh.”

At the time, Jase appeared to be chill with the whole situation … and even said he was “extremely humbled” that ‘Pharoah’ might’ve served as an influence for Gambino.

Well, it looks like all that is out the window now — ’cause Jase makes a very controversial analogy that invokes slavery.

Like we said up top, it appears that Mr. Jase is strongly considering some legal action against Mr. Gambino who we would strongly urge to lawyer up.

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‘Animal House’ Revived Frats—and Their Excesses

Alamy

Over 40 years ago the college fraternity system was practically on life support, when the brothers of Delta Tau Chi came to its rescue.

Fewer than 5 percent of male students belonged to frats in the ’70s. Then Animal House was released in 1979, and that film, about a hard-drinking, hard-partying group of tight-knit bros who made toga parties a national craze and were obviously having the time of their lives, contributed to an increase in Greek membership practically overnight.

“When Animal House came out, there became more of an expectation that college was a place to drink,” says Alexandra Robbins, author of the new book Fraternity: An Inside Look At A Year Of College Boys Becoming Men.

Read more at The Daily Beast.

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The formal start of the senator’s White House campaign comes as the Democratic primary intensifies by the day​

Sen. Elizabeth Warren will officially launch her 2020 presidential campaign Saturday with a rally in Lawrence, Massachusetts, using the backdrop of Everett Mills — the site of a historic 1912 labor strike led by women and immigrants — to highlight the ​progressive populist ideals she has made the centerpiece of her candidacy.


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WATCH: World News 02/08/19: House Democrats Grill Acting Attorney General Matthew Whitaker

Baltimore high school staff member shot in school; Second woman accuser comes forward against VA Lt. Governor
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Dear Penny: I Want to Help My Elderly Parents by Buying Their House

This sounds like a super generous move. After so many years of turning to your parents for care and advice, this is, for many, the dream: to be able to return the favor. But caring for your parents in this way can have a lot of complications.

I called in help from two experts: financial adviser Stephanie McCullough, and financial adviser Andy Wang, who also hosts the “Inspired Money” podcast.

First: Can you afford to take on another mortgage in addition to your own? It’s worth spending the money to discuss the long-term impact of this move with a tax professional and an attorney, Wang advised.

McCullough took her warning even further. “If I were your financial planner, I’d be advising you to look out for yourself and your husband,” she wrote in an email.

Consider your upcoming retirement. What will happen when the paychecks stop and you have to start living on your savings? Look carefully at your cash flow and imagine what would happen if you or your husband lost your job, or became disabled prior to your target retirement date, she recommended.

Two technical matters Wang said to check on before moving forward: whether the loan is assumable, meaning you could take over mortgage payments by assuming the loan; and whether the loan has a “due on sale” clause that would require the loan balance to be paid upon transfer of property. The former might provide an alternative option for you, while the latter could lead you to pause on your plan to buy.

If there’s a reason you want to own the house beyond your parents’ tenure there — maybe it’s been in your family for some time — you’ll need to plan for that future, McCullough said. Unless you plan to eventually live there yourself, keep in mind that managing a rental from far away can be stressful.

Wang brought up one more “what-if”: the possibility that your parents could outlive you. “You’d also need contingency plans in case something were to happen to you to ensure your parents may continue to reside there,” Wang said.

What’s your real motivation here: to keep the house in your family, or provide financial stability for your parents? If it’s the latter, it may be worth thinking about alternative options to support them while ensuring your own long-term financial security.

Have a tricky money question? Write to Dear Penny and you might see your question answered in an upcoming column.

Lisa Rowan is senior writer at The Penny Hoarder, and the voice behind Dear Penny.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Whitaker says he will not appear before House panel unless he gets guarantee he won’t face subpoena

The House Judiciary Committee on Thursday voted to authorize a subpoena for acting Attorney General Matt Whitaker ahead of his Friday testimony, which House Judiciary Chairman Jerry Nadler said he would use if Whitaker would not answer the committee’s questions.


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WATCH: World News 02/05/19: White House: Trump’s Speech To Call For Unity, Bipartisanship

Officer’s fatal shooting of wrong man at mall ‘justified’: Officials; Actor responds to backlash after racist admission
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Trump’s State of the Union will offer ‘bipartisan way forward on immigration,’ White House official says

In a preview of Tuesday's speech, a White House official said Trump would adopt a "unifying, bipartisan, and optimistic tone." The official declined to say whether the president would declare a national emergency to build a border wall.
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Inside the White House, aides and advisers are despondent over a wasted month

As President Donald Trump announced in the Rose Garden on Friday that his quixotic bid to secure more than $ 5 billion for a border wall would end with no money, he was met with applause from his Cabinet secretaries and senior aides.


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House and Senate pass bill to reopen government, sending it to Trump for his signature

The Senate approved a measure Friday to temporarily reopen the federal government with a short-term spending bill that does not include President Donald Trump’s requested $ 5.7 billion for a border wall


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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White House preparing draft national emergency order, has identified $7 billion for wall

The White House is preparing a draft proclamation for President Donald Trump to declare a national emergency along the southern border and has identified more than $ 7 billion in potential funds for his signature border wall should he go that route, according to internal documents reviewed by CNN.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Pelosi: No State of the Union in the House until shutdown ends

President Donald Trump insisted in a letter Wednesday he would deliver his annual State of the Union address from the chamber of the US House next week as planned, telling House Speaker Nancy Pelosi her concerns about security during a partial government shutdown were unfounded.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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N.C. 3-year-old missing from grandmother’s house

Associated Press

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Democratic Mayor Pete Buttigieg launches 2020 White House campaign

Pete Buttigieg, the Democratic mayor of South Bend, Indiana, launched an underdog 2020 bid for the White House on Wednesday, aiming to stand out as a problem-solving Midwestern outsider who would be the first openly gay nominee of a major U.S. political party.


Reuters: Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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New House Democrats’ Focus On Abortion Rights Could Stymie Work With Senate

For the first time since the Supreme Court legalized abortion nationwide in its 1973 Roe v. Wade decision, the House of Representatives has a majority supporting abortion rights. And that majority is already making its position felt, setting up what could be a series of long and drawn-out fights with a Senate opposed to abortion and stalling what could otherwise be bipartisan bills.

Democrats have held majorities in the House for more than half of the years since abortion became a national political issue in the 1970s, but those majorities included a significant number of Democrats who opposed abortion or had mixed voting records on the issue. A fight among Democrats over abortion very nearly derailed the Affordable Care Act as it was becoming law in 2010.

This new Democratic majority is more liberal — at least on reproductive rights for women — than its predecessors. “I am so excited about this new class,” Rep. Diana DeGette (D-Colo.), co-chair of the Congressional Pro-Choice Caucus, told reporters at a Jan. 15 news conference. “We are systematically going to reverse these restrictions on women’s health care.”

Indeed, the House has taken its first steps to do just that. On its first day of work Jan. 3, House Democrats passed a spending bill to reopen the government that would also have reversed President Donald Trump’s restrictions on funding for international aid organizations that perform abortions or support abortion rights. As one of his first acts as president, Trump re-imposed the so-called Mexico City Policy originally implemented in the 1980s by Ronald Reagan.

But the Senate, where Republicans still hold a slim majority, is not budging. If anything, Republican Senate leaders are trying to push further on abortion. On Thursday, Senate Majority Leader Mitch McConnell called a floor vote on a bill that would ban any federal funding of abortion or help fund insurance that covers abortion costs. Congress routinely adds the “Hyde Amendment” — a rider to the spending bill for the Department of Health and Human Services to bar federal abortion funding in most cases for Medicaid and other health programs — but McConnell’s legislation would have made the provision permanent and government-wide.

When the House was under GOP control, it passed similar measures repeatedly, but those bills have not been able to emerge from the Senate, where 60 votes are required. In the end, McConnell’s bill Thursday got 48 votes, 12 short of the number needed to move to a full Senate debate.

Organizations that oppose abortion were thrilled, even though the bill failed to advance.

“By voting on the No Taxpayer Funding for Abortion Act, the pro-life majority in the Senate is showing they’ll be a brick wall when it comes to trying to force taxpayers to pay for abortion on demand,” said a statement from the Susan B. Anthony List.

The Senate action Thursday was clearly aimed not just at House Democrats’ boast that they would vote to overturn existing abortion restrictions, but also at the annual anti-abortion “March for Life” held in Washington on Friday.

“I welcome all of the marchers with gratitude,” said McConnell in his brief remarks on the bill, noting that they “will speak with one voice on behalf of those who cannot speak for themselves.”

But these first two votes are just a taste of what is likely to come.

At a breakfast meeting with reporters Jan. 16, DeGette, newly installed as chair of the oversight subcommittee of the House Energy and Commerce Committee, said that reproductive issues would be a highlight of her agenda.

Meanwhile, Rep. Barbara Lee (D-Calif.), the other co-chair of the Pro-Choice Caucus, and Nita Lowey (D-N.Y.), the first female chair of the House Appropriations Committee, announced they will introduce legislation to permanently eliminate both the Hyde Amendment and the Mexico City Policy.

In an odd twist, the abortion language in the Mexico City Policy bill passed by the House this month was taken directly from a version approved last June by the Senate Appropriations Committee. Republican Sens. Susan Collins (R-Maine) and Lisa Murkowski (R-Alaska), who generally support abortion rights, joined with the committee’s Democrats to approve an amendment overturning the policy in the spending bill for the State Department and other agencies. The full Senate never voted on that bill.

Still, neither side is likely to advance their cause in Congress over the next two years. The Republican leadership in the Senate can block any House-passed bills lifting abortion restrictions. But the Senate, while nominally opposed to abortion rights, does not include 60 members who would vote to advance further restrictions.

Where things get interesting is if either chamber tries to strong-arm the other by adding abortion-related language it knows will be unacceptable to the other side.

That is exactly what happened in 2018, when the Senate was poised to pass a bipartisan bill to help stabilize the Affordable Care Act’s insurance exchanges. House and Senate Republicans proposed a version of the bill — but with the inclusion of a permanent ban on abortion funding. Democrats objected and the bill died.

Sen. Patty Murray (D-Wash.), who was one of the senators engineering the original bipartisan effort, said at the time, “This partisan bill … pulled the most worn page out of the Republican ideological playbook: making extreme, political attacks on women’s health care.”

It is not hard to imagine how such an abortion rider could be used by either side to squeeze the other, as Republicans and Democrats tentatively start to work together on health issues such as prescription drug prices and surprise out-of-pocket bills.

Abortion-related impasses could also stall progress on annual spending bills if House Democrats keep their vow to eliminate current restrictions like those limiting self-paid abortions for servicewomen or imposing further limits on international aid.

Abortion fights on unrelated bills is almost a certainty in the coming Congress, said Ross Baker, a professor of political science at Rutgers University. He noted that abortion not only complicates health bills, but also sank a major bankruptcy bill in the early 2000s.

“The only question is how it will emerge,” he said. “And it will emerge.”


KHN’s coverage of women’s health care issues is supported in part by The David and Lucile Packard Foundation.

Kaiser Health News

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Democrat Senator Kirsten Gillibrand Announces White House Bid

Kirsten Gillibrand, the Democrat senator from New York, announced her presidential bid.

The outspoken advocate for women’s causes revealed her intention to join what is expected to be a crowded Democratic primary in a CBS television talk show Tuesday night.

“I’m going to run for president of the United States because as a young mom I am going to fight for other people’s kids as hard as I would f
RTT – Political News

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House Democrats to propose $1 billion for border security without money for wall

House Democrats are pushing forward with legislation to beef up security at the borders without funding for the wall demanded by President Donald Trump, a move bound to intensify the standoff over a partial government shutdown heading into its fifth week.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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State of the Union address is off: No 2 House Democrat Hoyer

The No. 2 Democrat in the U.S. House of Representatives said on Wednesday that President Donald Trump’s planned annual address to Congress is off, citing the partial government shutdown.


Reuters: Politics

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10 Unique Ways Homeowners Saved to Buy a House

Tired of rising rent prices? Looking for a place to really call home? The lack of quality affordable housing can make the dream of homeownership seem unreachable. It doesn’t have to be this way! Take heart from these 10 hopeful stories, along with some practical tips and insights for making the dream a reality.
Bob Vila : Trusted Home Renovation & Repair Expert

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‘We have everything that I like’: Trump serves fast-food feast for Clemson’s White House visit

For the second time in three years, Clemson spent time in Washington with Trump. The White House said the president paid for the fast food out of his own pocket because of the partial government shutdown.
Sports

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Fmr. House Intel Chair: ‘Highly unusual’ not to have note-taker

Normally, “you want someone else in the room listening, so that you can feed that information back into our intelligence services,” says the former Republican Congressman Mike Rogers.


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Kamala Harris To Decide Soon On White House Bid

California Senator Kamala Harris has said she will make a decision soon on whether she will challenge President Donald Trump for the White House in 2020.

“We have to give the American people more credit, and we have to understand that the American public and the people of our country are smart people, who will make decisions about who will be their leader, based on who they believe is capable, wh
RTT – Top Story

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The shutdown, which started in the old GOP Congress and has stretched into the new Democratic House majority, is becoming more intractable by the day

Donald Trump’s hatred of looking foolish and Democrats’ conviction that they have a winning hand is leaving the President with no way out of the stalemate over his border wall.


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White House requests $5.7B for ‘steel barrier’

Newsy

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Trump Invites Congressional Leaders To White House Meeting

With the partial government shutdown entering its twelfth day, President Donald Trump has invited congressional leaders to the White House for a meeting Wednesday afternoon. The meeting would be the first between Trump and top Republican and Democratic lawmakers since the shutdown began on December 22nd.
RTT – Political News

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Pelosi Officially Elected House Speaker As Democrats Take Control

In a widely anticipated move, members of Congress voted Thursday to once again elect Democratic leader Nancy Pelosi, R-Calif., as Speaker of the House. Pelosi takes over as House Speaker for the second time after previously becoming the first woman to hold the position from 2007 to 2011.
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The President issued a veto threat against any Democratic plan ahead of the House vote

House Democrats vowed to press ahead on Thursday with plans to pass a legislative package that would reopen shuttered parts of the federal government without providing any new money for President Donald Trump’s promised border wall — despite a White House veto threat. Pelosi calls Trump’s wall an immoral waste of money


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Nancy Pelosi elected House speaker in new Congress

Nancy Pelosi is poised to reclaim the title of House speaker on Thursday when the new Democratic majority arrives in Washington and takes over control of the House of Representatives.


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President Trump makes surprise appearance in White House briefing room

ABC News

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Watch: Democrats take control of the U.S. House of Representatives

NBC News

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White House calls Democratic plan to end shutdown ‘non-starter’

President Donald Trump invited Democratic and Republican leaders in Congress to the White House for a border security briefing on Wednesday, the 12th day of a partial U.S. government shutdown triggered by his demand for $ 5 billion in border wall funding.


Reuters: Politics

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Trump invites congressional leaders to White House

President Donald Trump has invited congressional leaders from both parties to the White House, according to two congressional sources, setting the stage for the first meeting between top Democratic and Republican leaders and the President since the partial government shutdown began 11 days ago.


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The 5 House chairs who are about to make life much harder for Trump

President Donald Trump will face an intensified level of scrutiny in the new year, with Democratic House committee chairs poised to comb through every corner of his administration, subpoena his Cabinet and investigate his personal finances, associates and business interests.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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House fire kills three young siblings in Indiana

Associated Press

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Government shutdown looks set to drag on to 2019 after House and Senate adjourn until next week

The House and Senate on Thursday both adjourned until next week after pro forma sessions that lasted less than three minutes.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Fed chair’s job is not in jeopardy, White House economic adviser says

The head of the U.S. Federal Reserve faces no risk of losing his job and President Donald Trump is happy with his Treasury secretary, a White House official said in an apparent attempt to calm Wall Street nerves frayed by Trump’s criticism of the Fed.


Reuters: Politics

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Trump rants while ‘all alone’ in White House on Christmas Eve

It’s Christmas in America: The President is home alone in the White House, ranting at his foes inside and outside an administration lurching deeper into crisis; stock markets are in free fall and the government is paralyzed by a partial shutdown.


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White House: Trump would accept less money for border wall

The White House said it presented an offer to Democrats over the weekend.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Seth’s Favorite Jokes of the Week: White House Christmas Reception, Trump’s Signature

Late Night with Seth Meyers

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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

House of Harlow 1960 x Revolve Looks to Swim for Expansion

DEEPER WATERS: Nicole Richie’s House of Harlow label continues to broaden its assortment, now looking to swim for its next move.
The business, in conjunction with retailer Revolve, has launched a collection of swimwear and ready-to-wear under the House of Harlow 1960 x Revolve label. It’s the first drop, totaling some 16 pieces, of several planned for rollout across January, February, April and May.
“Swim is a strong category for Revolve definitely with the top three peak months, so it just made sense for the progression of the brand,” Richie said. “We, last resort, came out with great footwear styles so this is more about completing that story.”
The range is priced from $ 68 to $ 198 and is being sold exclusively through Revolve.
The assortment is in keeping with the design aesthetic Richie’s built House of Harlow on, with neutral colors in addition to knot detailing, stripes and crochet.
“It’s still very House of Harlow, really beautiful cover-ups to go with the swimwear so that it can transition into ready-to-wear,” Richie said.
Teaming with Revolve has helped on the back end in terms of designing House of Harlow for the market, Richie said. She cited the multibrand e-commerce company’s access to consumer data as an example

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‘Springsteen on Broadway’ gives fans best seat in the house

Bruce Springsteen enjoys a unique bond with his fans, one only heightened by his autobiography and Broadway run. For those who couldn’t see the latter, “Springsteen on Broadway” endeavors to give them the best seat in the house, a mission that the Netflix special surely fulfills for anyone who has ever yelled “Bruuuuuce” during one of his concert marathons.


CNN.com – RSS Channel – Entertainment

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‘Mrs. Maisel’ star pushes to revive boarding house for young actresses

A safe haven for actresses that went out of fashion decades ago is undergoing a revival in the #MeToo era. The Rehearsal Club, a Midtown meeting place set up in 1913 for young women who worked in the theater, also provided cheap housing and meals. Men could visit, but they were not allowed beyond the…
Entertainment | New York Post

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Trump names budget director Mick Mulvaney as acting White House chief of staff

The announcement came after nearly a week of jockeying in which several possible picks turned down the job.
Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Rules changes in House focus on bipartisanship

Newsy

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Trump, without evidence, accuses James Comey of lying to House Judiciary Committee

President Donald Trump lashed out at former FBI Director James Comey over testimony he gave to the House Judiciary and Oversight committees on Friday, accusing the former FBI chief, without evidence, of lying to lawmakers and questioning his inability to recall events related to certain questions.


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Roland Mouret Shuts Town House Store on Madison Avenue

MOVING ON: Roland Mouret has shut his town house store at 1006 Madison Avenue as part of a wider reorganization of the business, which is streamlining and putting a greater focus on e-commerce, digital and wholesale.
Mouret opened the store, at 77th Street, in September 2016, having relocated from number 952 Madison Avenue. It spanned 1,937 square feet over the ground and mezzanine levels of the Twenties-era building.
“It’s the smallest town house on Madison — it’s unique,” the designer told WWD at the time, adding that he was proud to remain near to The Met Breuer, which focuses on the The Metropolitan Museum of Art’s 20th and 21st century collections.
The setting was similar to Mouret’s London flagship, which is located in a red brick town house on Carlos Place, across from The Connaught hotel and just off Mount Street. In London, retail is on the ground floor with design studios and offices on the upper levels. The vast Carlos Place town house remains open.
As reported, Madison Avenue has been struggling with declining rents and high vacancies since the 2008 recession. According to research by Cushman & Wakefield, Madison Avenue availability rose to 27.8 percent at the end of the second quarter of

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An official tells CNN surveillance of the GOP’s House campaign arm went on for months

Emails from top officials at the National Republican Congressional Committee were hacked during the 2018 midterm elections, Republican sources tell CNN, exposing the GOP’s House campaign arm to an intrusion by an “unknown entity.”


CNN.com – RSS Channel – HP Hero

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!