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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

NASHVILLE, Tenn. (AP) — The contest for the year's best country songs happens Wednesday night at the 2018 Country Music Association Awards.The two categories — song of the year and single of the year — look similar with three songs nominated in both, but the writers behind the hits say these awards are hard to predict.Nominees include a monster pop song that went country, country songs that went pop, a message song for the #MeToo era and, of course, drinking songs.Song of the year is awarded to songwriters, while single of the year goes to the artist, producer and mixing engineer.The CMA Awards will air live from Nashville Wednesday at 8 p.m. on ABC10. Here's a look at the single and song of the year nominees.______"Drowns the Whiskey" by Jason Aldean featuring Miranda Lambert, nominated for single and song of the year:This song was originally pitched for country singer Tyler Farr, explains Josh Thompson, who co-wrote the song with Brandon Kinney and Jeff Middleton. When it didn't make Farr's album, Aldean grabbed it and turned it into a No. 1 hit.The three writers were on the road in 2013 when they wrote it, staying up until 4:30 in the morning while drinking whiskey to finish it, Thompson said."I am huge believer in the idea that you've got to get in the character of your song," he said.Thompson said the twist on a whiskey song and the opening line make it unique, but the production and turning it into a duet made the song sound like a new classic."It feels modern and timeless at the same time and the smoky Miranda notes in there just send it through the roof," he said.______"Broken Halos" by Chris Stapleton, nominated for single and song of the year:Mike Henderson has written with Stapleton for years, long before they were both in the bluegrass band The Steeldrivers and way before Stapleton broke out with his 2015 solo debut, "Traveller.""I was reading Keith Richards' biography and he had a chapter called 'Broken Halos,' and as soon I saw it, I was like, 'Whoa, song title," Henderson said.The track won the best country song Grammy earlier this year, making it a strong contender in both CMA categories, and the emotional way Stapleton sings the song makes it a fan favorite."We've had a lot of folks say that the song had a really special meaning for them — people that have lost a loved one, who had been through some personal tragedy," Henderson said. "It does seem to touch people, which as a songwriter, you're trying to do."______"Tequila" by Dan + Shay, nominated for single and song of the year:Dan Smyers and Shay Mooney genuinely love tequila. They drink it on tour and at home, but the duo wasn't really looking for party song about getting drunk."So we flipped that," said Smyers. "Tequila was basically the trigger that took you back to a certain place, so it's a nostalgic heartbreak song, which is kind of Dan + Shay's wheelhouse."The song, co-written with Nicolle Galyon and Jordan Reynolds, crossed from country to pop radio, even peaking at No. 21 on Billboard's Hot 100 chart. Smyers said he's sees the crossover success as an advantage in building fans among people who don't traditionally listen to country music."This could be their gateway into country," Smyers said. "They hear that song and say, 'I love that,' and flip over to the country station."______"Meant to Be" by Bebe Rexha and Florida Georgia Line, nominated for single of the year:It's the song that has dominated country music for all of 2018. The inescapable, record-breaking monster hit has surpassed 1 billion streams, achieved four-times platinum status and reached No. 2 on the Hot 100 chart.Songwriter David Garcia wrote the song in Los Angeles with Rexha, FGL's Tyler Hubbard and songwriter Josh Miller and it was originally released on Rexha's 2017 EP, "All Your Fault: Pt. 2.""There is a little more merging of L.A. and Nashville now more than ever," Garcia said.Garcia said while he'd love to see the song win, he's not putting any bets down. He attributes the song's success in part to Rexha's huge streaming popularity.But it's also a polarizing contender with many arguing it's not a true country song and its crossover success could turn off some more traditionally-minded CMA voters.Garcia said he doesn't concern himself with those critics."I believe we're in an amazing place where the fans and the listeners decide what their favorite songs are," he said. "I think the song is undeniable in what it is."______"Body Like a Back Road" by Sam Hunt, nominated for song of the year, and "Drinkin' Problem" by Midland, nominated for single of the year:Both songs were created in part by the songwriting-producing power duo Shane McAnally and Josh Osborne, but they are on different spectrums of the genre.Sam Hunt's 2017 hit crossed to pop and became a five-times platinum success with a catchy, finger-snapping rhythm. But even McAnally admits to being a bit surprised about seeing it pop up on the nominee list again after it lost last year in the same category ("Better Man," written by Taylor Swift for Little Big Town, won the prize).Even though it was not released in the eligibility period, Hunt's song made the second ballot because it remained a Top 5 country single. The fact that "Body Like a Back Road" hasn't won any CMA Awards, despite being nominated three times, suggests that pop crossovers might not be the key factor to winning."There's a five-way race for this one," McAnally said of the song of the year category. "There's not a 'Girl Crush' that feels like a steamroller. I just don't know who could win."Meanwhile, Midland broke out as a neo-traditionalist band with "Drinkin' Problem," a George Strait-style throwback."I would love to see it win single of the year because of its traditional sound," McAnally said. "(Single of the year) is about commercial impact, but I've always thought about it as the sound of the record."______"Drunk Girl" by Chris Janson, nominated for song of the year:Most country singers steer away from politically charged topics, but during the #MeToo movement, Janson had a pointed message for men. "Take the drunk girl home," he sings, and walk away.Janson said he wrote the song with Tom Douglas and Scooter Carusoe long before #MeToo spread virally last year, but with Brett Kavanaugh's confirmation hearings this year, the song was relevant enough to gain a nomination."I am not really a soapbox guy," Janson said. "I just write what I write and sing what I sing. I do believe in the message very powerfully and I am glad that it is connecting."CMA voters do like message songs: Tim McGraw's "Humble and Kind" and Kacey Musgraves' "Follow Your Arrow" both won because they had something important to say. But the bluntness of the song has given some critics pause, most notably when a New Yorker column called it a "#MeToo misfire."But Janson says he's not trying to appeal to everyone."I've never really tried to sell this song to anybody or shove it down anybody's throat," he said. 6996

MILWAUKEE, Wis. -- Joe Biden will not be traveling to Milwaukee to accept the Democratic presidential nomination, the Democratic National Convention Committee announced Wednesday.The DNCC said Biden would not be accepting the nomination at the Democratic National Convention, which is scheduled to begin on Aug. 17, citing coronavirus as the reason.Other speakers for the DNC will also no longer travel to Milwaukee. Biden will instead accept the nomination in Delaware.“From the very beginning of this pandemic, we put the health and safety of the American people first. We followed the science, listened to doctors and public health experts, and we continued making adjustments to our plans in order to protect lives. That’s the kind of steady and responsible leadership America deserves. And that’s the leadership Joe Biden will bring to the White House,” said DNC Chair Tom Perez in a press release.“2020 will always be remembered as a year of once-in-a-lifetime challenges and changes—but it will also be remembered as a time when Americans were their most compassionate and resilient selves. While we wish we could move forward with welcoming the world to beautiful Milwaukee in two weeks, we recognize protecting the health of our host community and everyone involved with this convention must be paramount,” said Joe Solmonese, CEO of the 2020 Democratic National Convention.The convention is scheduled to take place at the Wisconsin Center Aug. 17 through Aug. 20. 1481

Nasim Aghdam, the woman accused of shooting and injuring multiple people at YouTube headquarters in San Bruno before turning the gun on herself, drove up from San Diego, according to KRON.Authorities said they believe the incident stemmed from a domestic dispute. KRON reports that the woman shot her boyfriend and that the others injured were caught in the crossfire. Officials in San Bruno said Tuesday afternoon that three people were wounded and the suspect died of a possible self-inflicted gunshot wound.Police were called to the headquarters just before 1 p.m. and were on scene within two minutes.After arriving on scene, officers found a wounded victim outside the building before encountering a second person, who was likely a suspect, shot from a self-inflicted gunshot wound.Officers later found two others wounded in a nearby business, officials said. Helicopter video shows hundreds of people running out of the building with their hands up after shots reportedly rang out.A witness reported hearing as many as 20 shots, according to KRON. ATF and the FBI are said to be investigating the incident. 1140

Mondelez International, the parent company of Nabisco, has redesigned its packaging of "Barnum's Animals" crackers after being pressured by People for the Ethical Treatment of Animals.The group called for the redesign by Mondelez because it protests the use of animals in circuses, and the animal crackers boxes showed animals in cages, the Associated Press reports.The crackers were once named for the Ringling Brothers and Barnum and Bailey circus, but it folded for good after 146 years. It had removed elephants from its shows because of pressure from PETA, the AP says.The animal crackers boxes now show animals wandering side-by-side in the grass and include trees. 699