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Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

Move over, "The Bachelor." The royal wedding of Prince Harry and Meghan Markle — now the duke and duchess of Sussex — was a huge ratings draw.In the US, about 29 million people tuned in on Saturday morning, according to Nielsen's total of the 15 channels that showed the wedding.Some viewers awoke at 4 or 5 a.m. ET to watch the arrivals. But the ceremony officially started at 7 a.m., so that's what the 29 million figure measures.Between 6 and 9 a.m. ET, including the arrivals and the procession afterward, NBC averaged 6.4 million viewers, ABC averaged 6.3 million, and CBS had 4.8 million. On cable, Fox News had 1.9 million, CNN had 1.8 million and MSNBC had 1 million viewers.In the UK, the ratings were higher for Prince William and Kate Middleton's wedding in 2011.Those nuptials averaged 24 million viewers there, while Saturday's festivities averaged 18 million viewers.Still, it was "by far the biggest television event of the year" in the UK, The Guardian reported.The UK has a total population of about 66 million.The US has five times the population. Markle is an American woman who married a prince, so it makes sense that this wedding stirred more interest in the US.William and Kate's wedding in 2011 started a little earlier in the morning, on a weekday, and averaged 22.8 million viewers in the U.S.Nielsen said the official average for Harry and Meghan was 29.2 million, but that only counts people watching on TV at home. An unknown number streamed the wedding on mobile devices.There was strong interest later in the day, as well. Cable news ratings remained high all day long. CNN rebroadcast the wedding in prime time and averaged 1.6 million viewers, out-rating Fox and MSNBC. 1725

NASHVILLE, Tenn. – The NFL has postponed Sunday’s game between the Tennessee Titans and Pittsburgh Steelers to allow for additional time for COVID-19 testing.In a statement released Wednesday, the league said it wants to ensure the health and safety of players, coaches and game day personnel.The NFL said the game will be played on either Monday or Tuesday. The date and time will be announced “as soon as possible.”New from the league pic.twitter.com/RnLcZ9mSPj— Brian McCarthy (@NFLprguy) September 30, 2020 The postponement comes after at least three Titans players and five employees for the team tested positive for the novel coronavirus. Coach Mike Vrabel said some of those who tested positive are experiencing flu-like symptoms, but nothing out of the ordinary.Following the positive tests, the NFL said the Titans would suspend in-person club activities, as would the Minnesota Vikings, who played the Titans on Sunday.The Vikings said in a statement Tuesday that none of their players or personnel members have tested positive for the virus since their game.“Both clubs are working closely with the NFL and NFLPA, including our infectious disease experts, to evaluate close contacts, perform additional testing and monitor developments,” the NFL said.The Titans' outbreak marks the biggest COVID-19 scare the league has experienced to date. Between Aug. 21 and Sept. 19, the league conducted 180,274 COVID-19 tests among players and team personnel. Just 30 of those tests have come back positive.This weekend's game was supposed to be the first of the season that Tennessee fans would be allowed inside Nissan Stadium, WTVF reports. 1651

NATIONAL CITY, Calif. (KGTV) - Two National City elementary schools were evacuated Monday morning due to a strong smell of gas fumes, leading parents to pick up their children at different campuses.The emergency call was reported about 9 a.m. at El Toyon Elementary at 2000 Division St. and Rancho de la Nación at 1830 Division St.National City Police and SDG&E evaluated the scenes and determined the odor was coming from a routine bleed to the gas lines. The children were not in any danger and there was no emergency, according to police.More than 1,000 students and staff members had already been evacuated to the Wrigley’s grocery store shopping plaza. They were bussed from that location to other schools.El Toyon students were rerouted to Lincoln Acres Elementary, 2200 S. Lanoitan, and Rancho de la Nación students were taken to Ira Harbison Elementary, 3235 E. 8th St.Parents can pick up their children at the campuses. 945

More than 100 people are believed dead Friday after a Cubana de Aviacion Boeing 737-200 crashed on takeoff from Havana's Jose Marti International Airport, according to Cuba's state-run media.Three female passengers were in critical condition after surviving the crash into thick vegetation just miles from the runway, the state-run newspaper Granma reported.Flight DMJ 0972, with at least 104 people on board, was headed to the eastern Cuban city of Holguin when it plummeted into in an agricultural area in the Santiago de las Vegas neighborhood at 12:08 p.m., according to Granma.Orestes Bentancour, who lives near the crash site, told CNN that he was drawn out of his home by the "enormous noise" the plane made on takeoff. He said the plane appeared to swerve to one side and revved its engines before crashing.Five crew members on board were Mexican nationals, according to Mexico's Civil Aviation Authority.The nearly 30-year-old Boeing 737-200 was owned by the Mexican airline Damojh and leased to Cubana de Aviacion, the Civil Aviation Authority said in a statement. The charter flight "suffered a failure" and crashed about six miles from the airport.Search and rescue personnel descended on the area -- with some residents helping -- as firefighters tried to extinguish the flames, according to photos and video from the scene.The Granma report included a photo from an airport terminal of a towering plume of black smoke rising in the distance.A large fireball followed by a plume of smoke was visible near the airport on the outskirts of Havana, according to witnesses.Cuban President Miguel Diaz-Canel was at the scene of the accident, the newspaper reported.Diaz-Canel later offered his condolences to the victims' families and told reporters the cause of the crash was under investigation.The fire at the crash site had been extinguished and no one on the ground was injured, he said.Mexican President Enrique Pena Nieto offered his condolences via Twitter.Holguin is more than 700 km (about 435 miles) east of the Cuban capital. Cuban state media originally reported the flight was bound for Guyana.Cubana de Aviacion -- the national carrier -- has had to ground some of its aging fleet because of safety issues, though the cause of Friday's crash is unknown.In November 2010, a domestic passenger plane with 61 passengers and 7 crew members crashed in central Cuba, according to state media.The Aerocaribbean flight, carrying 28 foreign passengers and 40 Cubans, was traveling from the eastern province of Santiago de Cuba to Havana.The-CNN-Wire 2570