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RAMONA, Calif. (KGTV) - Over the past week, two different red flag warnings have plagued San Diego's East County communities. The Cornerstone Therapeutic Riding Center in Ramona was suffered damage from a wind storm Tuesday night. The nonprofit therapy center helps veterans and other patients find healing through riding. Owner Judy Beckett said they did everything they could to prepare for the Santa Ana winds, tying down anything loose and putting fly masks on the horses to protect them. 520

Prince Harry opened the fourth annual Invictus Games in style on Friday afternoon, climbing Australia's iconic Sydney Harbour Bridge along with a number of veterans and competitors from the upcoming event.Dressed in a black shirt with the logo of the sporting event he helped to kick-start in 2014, the British royal ascended the 13-meter (439 foot) high landmark in beautifully sunny weather, accompanied by Australia's Prime Minister Scott Morrison.It will be the fourth time the annual games have been held. The Invictus Games are a multi-sport event specifically held for wounded or disabled veterans to participate in. 631

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

President Donald Trump signed a memorandum Tuesday that will attempt to prevent undocumented immigrants from being counted when U.S. congressional lines are redistricted following the 2020 census.Reuters was the first to report about the planned document. White House staffer Karoline Leavitt confirmed the report in a tweet late Tuesday morning."TODAY, President @realDonaldTrump is taking ACTION to preserve America's democratic principles and ensure law-abiding American citizens are fairly represented in Congress," she tweeted. 540

President-elect Joe Biden named former General Lloyd J. Austin as his nominee for secretary of defense on Wednesday.If confirmed, Austin would become the first Black person to lead the Pentagon.At a press conference in Wilmington, Delaware on Wednesday, Biden introduced Austin as a man who is "breaking down barriers and blazing a trail," adding that he is "going to do it again" if confirmed.Biden called for Austin to be confirmed "swiftly," adding that the country "needs his expertise.""It will be my sincere honor and privilege to return to the department and to lead our great service members and civilians in accomplishing the mission of ensuring our nation's security," Austin said Wednesday.He also added that he would give Biden clear and "unvarnished council" when it comes to military matters.Austin also said that he had benefitted greatly from leadership above him throughout his career, citing the influence of former Sec. of State Colin Powell, among others.In addition to needing Senate confirmation, Austin will also need a waiver, as there is seven-year waiting period after leaving the military in order to become defense secretary. Some Senate Democrats, including Sen. Elizabeth Warren, have signaled that they are hesitant to grant Austin a waiver."I would not be asking for this exception if I didn't think this moment in history called for it," Biden said.President Donald Trump's first defense secretary, James Mattis, also required such a waiver upon his nomination.Austin, a former four-star general, was the 12th head of Central Command from 2013 through 2016 under President Barack Obama.Austin followed Mattis in leading Central Command. He also served as the vice chief of staff of the Army. 1732