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President Donald Trump, after surveying the destruction wrought by wildfires in California, said Saturday that the devastation has not altered his opinion on climate change."No, no, I have a strong opinion. I want a great climate," Trump said when asked whether what he witnessed had changed his view."We're going to have that, and we are going to have forests that are very safe because we can't go through this," Trump continued during a briefing at a command center in Chico, California. "Every year we go through this. We're going to have safe forests, and that's happening as we speak."But later, on Air Force One alongside Democratic Gov. Jerry Brown and Lt. Gov. Gavin Newsom, who is also the state's governor-elect, Trump said that while he disagrees with the state leaders on the issue, their views are "maybe not as different as people think.""Is it happening? Things are changing," Trump said. "And I think, most importantly, we're doing things about. We're going to make it better. We're going to make it a lot better. And it's going to happen as quickly as it can possibly happen."Earlier Saturday, Trump said he thought there were "a lot of factors" involved when asked about the role of climate change in contributing to the fires."We have the management factor that I know Jerry has really been up on and very well, and Gavin is going to, we're going to be looking at that together," Trump said.Trump's remarks came after he was criticized last week for initially blaming California forest management for the destruction wrought by the fires, considered the deadliest and most destructive in California's history. Since the wildfires began, more than 70 people have died and more than 1,000 people remain missing."There is no reason for these massive, deadly and costly forest fires in California except that forest management is so poor," Trump wrote on Twitter last weekend. "Billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!" he wrote in a tweet.In a separate tweet, Trump wrote: "With proper Forest Management, we can stop the devastation constantly going on in California. Get Smart!"Trump's tweets drew criticism from leaders of firefighters' organizations and others."His comments are reckless and insulting to the firefighters and people being affected," said Harold Schaitberger, president of the International Association of Fire Fighters.Brian K. Rice, the president of the California Professional Firefighters, called Trump's tweets "ill-informed.""The President's message attacking California and threatening to withhold aid to the victims of the cataclysmic fires is ill-informed, ill-timed and demeaning to those who are suffering as well as the men and women on the front lines."Earlier Saturday, Trump visited a neighborhood in Paradise, California, with Mayor Jody Jones, as well as Brown, Newsom and Trump's emergency management director, Brock Long. Trump also toured areas in Malibu that had been affected."Nobody thought this could happen," Trump told reporters. "Hopefully this is going to be the last one of these," he added.Without explaining himself, the President said the floors of the forests need to be taken care of, and he again talked about time that needed to be spent on raking and cleaning. 3354

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Reports indicate that Toys R Us could be the next retailer to file for bankruptcy.The Wall Street Journal reports that the toy retailer could file for Chapter 11 bankruptcy in the next few weeks, just a few months out from the crucial holiday season.According to the Journal, the chain's suppliers are hesitant to ship new items before putting money down. The company is facing a debt of billion stemming from a leveraged buyout in 2005.Toys R Us has already received most of its holiday shipments, but could soon be prevented from receiving any additional toys before the shopping season begins.Toys R Us is just one of a number of retailers who have struggled as Americans have started doing more of their shopping online. Just this year, at least 18 major retailers have announced that they plan on closing a significant number of stores.Read the Wall Street Journal's report here.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.   1004

RADCLIFF, Ky. (AP) — A Kentucky couple who refused to sign a self-isolation order when one tested positive for the coronavirus said they were placed under house arrest.Elizabeth Linscott of Radcliff told news outlets she was tested July 11 for COVID-19 because she wanted to visit her grandparents and received a positive result the next day. Linscott said the health department emailed her a form to sign that said she would check in daily, self isolate and let officials know if she has to be treated at the hospital.The form said the isolation order is to “prevent the introduction, transmission and spread of the 2019 novel coronavirus in this state.”Linscott said she declined to sign because of one sentence: “I will not travel by any public, commercial or health care conveyance such as ambulance, bus, taxi, airplane, train or boat without the prior approval of the Department of Public Health.”“I could not comply to having to call the public health department prior if I had an emergency or I had to go pick something up for my child or myself as a necessity and could not wait,” Linscott said.When she declined to sign the form she said she was told the case would be escalated and on July 16, Linscott said she and her husband were placed under house arrest with ankle monitors.Hardin County Sheriff John Ward said his office was on hand to execute court documents from a Hardin County Circuit Court judge. It was the first time his office executed such an order, he said.Lincoln Trail District Health Department spokeswoman Terrie Burgan declined to comment on the matter to protect the privacy of the family. 1630

President Donald Trump travels to Pittsburgh on Tuesday after the worst anti-Semitic crime in American history, bringing with him a pulsing anger that his rhetoric is being blamed for the attack and intent on proving to his critics he can behave like a president.For Trump, the role of consoler has sometimes come uneasily and, in his view, without tangible benefit. Trump has complained in the past that so-called "presidential" moments have gone unnoticed by his critics and unheralded in the media, leading him to wonder what the point of it all was.This weekend, after Trump forcefully decried anti-Semitism during campaign appearances, he again protested to confidantes that the message wasn't received with praise, according to people familiar with the conversations. Along with many of his aides, he viewed the continued questions about his divisive rhetoric as petty partisan attacks launched by his political opponents.Still, after discussions with advisers that included daughter Ivanka Trump and son-in-law Jared Kushner, who are Jewish, Trump declared his intent to visit Pittsburgh. The trip comes amid a last-minute midterm campaign push and has forestalled, for now, a planned address on immigration.Trump has expressed concern his midterm messaging could be knocked off-kilter by the attack. Pittsburgh's mayor called on Monday for Trump to wait to visit until after burials are complete, but with an 11-rally itinerary set for the end of the week, there was little flexibility in the President's schedule.His daughter and Kushner, will join Trump in Pittsburgh, along with first lady Melania Trump, who has sometimes worked with mixed results to soften her husband's public image. He is expected to meet with some members of the Tree of Life congregation, who lost 11 members when a gunman opened fire inside the synagogue on Saturday morning. 1883