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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

MILWAUKEE — A Milwaukee woman who contracted the COVID-19 virus thought it came back last month, but instead, received a potentially life-saving diagnosis.Melissa Armour tested positive back in March for the coronavirus. Her symptoms were severe, and she was hospitalized."You have double pneumonia, you have the dry cough, you have a fever of 104 [degrees]," said Armour.She battled it for weeks, and seemed to recover. That was until her symptoms returned in August."I would be coughing out my lungs," Armour said. "I couldn't even talk."At first glance, it appeared the virus had returned stronger than before."They did X-rays, CT scans," she said. "They found that my left lung partially collapsed and I had pneumonia again."But when her tests came back, she received an unexpected diagnosis."I was like, check it again," Armour said.It wasn't COVID-19, it was cancer."I just couldn't believe it," she said. "And the doctors and the nurses were like 'well you might not like to hear this but the coronavirus actually saved your life because we caught leukemia on time.'"Armour was cared for by Dr. Zartash Gul, a hematologist oncologist at Aurora St. Luke’s Medical Center, and Dr. Federico Sanchez, the medical director for Aurora Cancer Care. They said because they caught her leukemia early enough, they were able to start Armour on a mild treatment.If they had caught it until later, they might have had to administer a more aggressive plan."I think it benefited her in the sense that, because of her concern for COVID, she showed up and she was diagnosed maybe slightly earlier than she could have," Gul said."Everything looks like COVID and COVID looks like everything else," Sanchez said. "So, it's very difficult to determine what you have in this time with a pandemic. Everybody has COVID until proven otherwise."Armour is one of the lucky ones during this pandemic.A study done by the Journal of American Medical Association looked at new diagnoses of six common cancers during the pandemic, and found diagnoses are down 46 percent. Leukemia was not one of the cancers included in the six.The Journal of Clinical Oncology looked at two common cancer screenings and found those are significantly down as well. Mammograms are down 89 percent, and colorectal screenings down 84 percent.At Aurora St. Luke's, Sanchez estimates their screenings are down by about 40 percent, adding that could have serious impacts down the road."Our concern has been that we've been bracing ourselves and we started to see the effects," Sanchez said. "That we're going to be seeing a lot more advanced cancers in the next coming year, just because we miss the opportunity to find them early."Gul points out that Armour likely would have come in for treatment at some point for her leukemia."Leukemia is a fast-growing disease that [doesn't] have a screening program for the patients (who) are sick when they come," Gul said.But more and more people are putting off routine cancer screenings, potentially for fear of contracting the virus at the doctor's office or hospital."I would hate for people to miss an operable lung cancer or operable breast cancer or colon cancer that could be cured, I'm literally saying cured," Sanchez said.They want people to treat their health as essential."I would say that coming to the hospital is probably safer than going into a restaurant at this time," Sanchez said.Despite the potentially life-saving diagnosis, Armour wants people to take the virus seriously and wear a mask.This story originally reported by Marty Hobe on TMJ4.com. 3572

MOUNT PLEASANT, S.C. -- Summer may not officially start for a few more weeks, but a different season is now in full swing: Farmers Market season.“Our season is April through September,” said Tracy Richter, who oversees the Farmers Market in Mount Pleasant, South Carolina.Just when it was about to open this year, the coronavirus pandemic sprouted up, forcing a temporary closure and then requiring changes to comply with social distancing.“We had them set up booths with an entrance and an exit,” Richter said. “So, only one way in, one way out. We restricted the number of shoppers they could have in those booths to two.”Normally, there would be 45 vendors at the farmers market, but they had to reduce that number down to 10 because of the coronavirus. They are slowly trying to get back to normal, though, and plan to add 10 more next week.Richter is lucky – the local municipality funds this market. For other market operators around the country, however, the financial picture is much more dire.“For them, this is a very challenging situation,” said Ben Feldman of the Farmers Market Coalition.He said coronavirus relief funds have bypassed these nonprofit markets, at a time when operators are having to limit the number of vendors and shoppers, as well as spend additional money on virus-related expenses, like personal protective equipment.“Unfortunately, much of the relief to date has left farmers markets out of the equation, even as there have been direct payments for many businesses,” Feldman said.Now, some are in danger of closing – nearly 20-percent of those recently surveyed in California alone. Feldman said the next coronavirus stimulus bill needs to include these markets, which are often a crucial food source and livelihood.“If these farmers markets aren’t able to remain in business, then farmers and consumers are the ones who lose here - because farmers lose their livelihood, consumers lose their access to fresh fruits and vegetables,” he said.Back in South Carolina, Tracy Richter is focused on getting the market through the reality of now and looking forward to later.“Hopefully by next April,” she said, “everything will be more back to normal.” 2188

MILWAUKEE — Surveillance video captured two porch pirates on a casual morning stroll. But what they don't know is that the owner of the package they're about to steal actually wants it to get taken. "Usually I get very mad when I see the package get stolen, but now this one I was like proud to show the video," said Jamie, who left a package of sweet revenge on her Milwaukee porch.Out of fear of retaliation, Jamie asked that her identity be concealed and to only use her first name. She says they've had about eight packages stolen from their front porch and have tried everything to fight back. They installed security cameras, asked for signed deliveries and even had items placed behind a fence. But somehow the thieves continued to be successful. Eventually, they decided to have everything delivered to work, but after a gift sent to her a month ago was stolen as well, she decided that was enough. "That's when we ordered the next package," she said. "We went on to a website that does anonymous deliveries and you can pick from all sorts of different fecal matter. The cheapest one is cow, we decided to go in full blast and we chose gorilla." The thieves didn't like what they had scooped up, and ended up tossing the item into a neighbor's yard. But they aren't the only thieves she's caught on camera. Video also shows a woman stealing that gift someone sent Jamie, that contained memorial stickers honoring her late father. "She threw it because it wasn't anything important to her but to me that was the most important package that had been taken off our porch," said Jamie. A neighbor ended up finding the discarded stickers in a nearby park. Jamie says she's tried to report the thefts to police, but she's been told it's a lost cause and the chances of catching these criminals are slim. So she hopes a little package payback will prevent thefts in the future. "We do live in a nice neighborhood," she said. "It's a nice a street, they're nice neighbors, we just don't know why it keeps happening to us."  2106

NATIONAL CITY, Calif. (KGTV) - Some unexpected joy is arriving in the mail for residents of local senior care facilities, amid the ongoing restrictions on visitors.When the coronavirus pandemic forced visitor restrictions on nursing homes, Terri Martinson was conflicted. Her father is a resident at Parkview at Paradise Village in National City. She was happy the health of her father - Clyde Hasemeyer - was being protected, but she knows her dad."My dad is very social. He loves getting visitors, and telling jokes, playing games, singing and laughing. I was really concerned he wouldn't have any visitors," said Martinson.She and her family call often and write letters, but a few days ago, Clyde got a letter from someone he doesn't know. Clyde, a Koren War Marine Veteran, received a letter from 14-year-old Christian Hughes.10news caught up with Christian and his mother Mariana a few days ago as they began a letter-writing campaign for local senior care facilities. Their idea caught fire on social media. Hundreds of letters and cards have started to arrive at nursing homes, ending up in the hands and hearts of people like Clyde."My dad was so happy. He laughed and enjoyed it so much. He asked the caregiver to tape them up on his wall, so he could look at them all the time. Just makes him feel so nice not to be so isolated away from everyone," said Martinson.It's a feeling of not being alone during a time of staying apart. "It's a small loving gesture we call all do ... it means so much to people who aren't in contact with other people right now," said Martinson.On a national level, the American Health Care Association has launched a campaign to facilitate letters and cards from the public to nursing home residents.Here is a list of local senior care facilities accepting letters and cards:Granite Hills Healthcare and Community CenterAttn: Activites1340 E. Madison Ave.El Cajon, CA 92021Cottonwood Canyon Healthcare CenterAttn: Activities1391 E. Madison Ave.El Cajon, CA 92021Lo-Har Senior LivingAttn: Activites768 Dorothy St.El Cajon, CA 92019Victoria Post-Acute CareAttn: Activities654 South Anza St.El Cajon, CA 92020Casa El CajonAttn: Activities306 Shady LaneEl Cajon, CA 92021Sunrise at BonitaAttn: Activities3302 Bonita RoadChula Vista, CA 91910Veterans Home of CA Chula VistaAttn: Activities700 E. Naples CourtChula Vista, CA 91911Birch Patrick Convalescent CenterAttn: Birch Patrick Skilled Facility/Christina Griego751 Medical Center CourtChula Vista, CA 91911Windsor Gardens Convalescent Center of San DiegoAttn: Activities220 E. 24th St.National City, CA 91950 2604