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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. (WTVF) — A 61-year-old man was arrested for violating a public health order that requires people to wear face masks in Nashville.According to his arrest affidavit, Joseph Bryant was issued a citation for not wearing a mask around 6:40 p.m. Wednesday. About an hour later, the police report states an officer saw Bryant again in the same area. Again, he wasn't wearing a mask.According to the arrest report, the officer said he chose to arrest Bryant because "of the obvious likelihood the offense would continue."Bryant was booked into the Davidson County Jail on 0 bond.As more and more states and municipalities adopt mask mandates, many have questioned how they will be enforced. This story originally reported by Bethany Davison on newschannel5.com. 782

MUNCIE, Indiana — Ball State University decided Friday it will keep the name of Papa John’s founder on campus, while Purdue University announced it will do the opposite.In a statement released Friday morning, the board said it made the decision based upon its "current understanding of what transpired" during a conference call last May in which John Schnatter admitted to saying the N-word.Schnatter graduated from Ball State in 1983 and founded Papa John's in 1984. The Institute for Entrepreneurship and Free Enterprise was later named after Schnatter.You can read the full statement can be below:  634

Money might be tight this holiday with many working less hours or losing their jobs due to the pandemic, but it's not too late to budget and feel good about the season.November through December is a time when more cash is flowing and cards are swiping at stores.“The average that people spend across the country is about ,000 per holiday season,” said Ryan Freitag, a financial adviser with Edward Jones.Freitag said budgeting is key to preparing for the expected, such as gift buying around the holidays, and unexpected, like financial losses during a pandemic.He said people should simplify expenses and look at spending on a monthly basis to understand how much is needed for necessities, savings and the extras.The same rule of thumb applies to holiday spending. Freitag said people should plan how much can be allotted for gifts and set spending limits before hitting the holiday deals.“Whether it's 0 or ,000, take that money out of a checking or a savings account and even use a prepaid debit card," Freitag said. "That will allow them to keep their spending in check.”Experts typically recommend putting 10% of monthly income toward "fun spending." That number might change during the holidays.To manage the increase, Freitag recommends starting a holiday club savings account as soon as January to start budgeting for this time of year early. He said even putting in a month can be beneficial.“That way by the time holiday season comes you have a block of money that you’ve already designated toward your goal," Freitag said. "I feel like that takes the emotion, and overwhelming part of holiday spending out of it and the money is available.”Caitlin Carmody, an outpatient psycotherapist with Spectrum Behavioral Health LLC, said they see more people struggle with anxiety and depression around this time of year. She said some might feel an extra emotional burden from not being able to buy as many gifts for loved ones.But there are other options for showing loved ones they care.“There’s so many different ways we can show people love and affection. It doesn’t have to cost money," Carmody said.Instead of buying presents, Carmody suggested making gifts with family. She said the act of creating can help combat anxiety and depression, and even build self esteem in kids.Carmody said quality time is important. The gift of time can be just as meaningful, even if it's done virtually.“You’re growing new memories. You’re making new traditions," Carmody said. "So if we can re-frame it as not something that we’re losing, but maybe as a time of growth, or an opportunity to make new traditions and new memories.”For some, it's the gifts that can't be bought that mean the most.“We don’t need to put a dollar figure to a phone call," Freitag said. "There are a lot of people right now that are alone and isolated. I truly see that as more important than the money that somebody spends right now.”If people are feeling anxious or depressed, Carmody suggests practicing mindfulness, breathing exercises and keeping a routine. She said it's also important to stay present in the moment and not worry about things that are out of one's control.For those struggling with mental health, Carmody said they should reach out to a mental health professional for help.This story was originally published by Kelsey Dickeson at WGBA. 3349

Neanderthals may not have been that different from us, after all.New evidence reveals that they created the world's oldest known cave paintings and even wore seashells as body ornaments. Both behaviors suggest that they thought symbolically and had an artistic sensibility like modern humans. Two studies published Thursday in the journal Science detail the latest findings."Undoubtedly it is showing that Neanderthals were thinking and behaving just like modern humans," Alistair Pike, co-author of the studies and professor of archaeological sciences at the University of Southampton, wrote in an email."We should no longer think of them as a different species, just humans in different places," he said.The new findings of symbolic thinking show that Neanderthals and modern humans were cognitively indistinguishable, the researchers said.Cave paintings and artifacts like painted seashells have long been regarded as the work of early modern humans, who were thought to have more advanced cognitive abilities than Neanderthals. Dating cave paintings can be a difficult process, and unreliable techniques never allowed for the possibility that these could be the work of Neanderthals.Until now, that is. A new technique called Uranium-Thorium dating is less destructive, is more accurate and can go back further in time than other methods. U-Th dating looks at the deposits of carbonate on top of the paint, which contain traces of uranium and thorium that indicate when those deposits formed. That allows the researchers to determine an age for what's under the deposits.The researchers applied this technique to paintings in the La Pasiega, Maltravieso and Ardales caves in Spain, which had never received "robust" dating. The paintings include red and black images of animals, dots, lines, disks and other geometric signs. There also are engravings, hand prints and hand stencils.Those hand stencils are particularly significant, and not just because they represent the hand size of a Neanderthal."A red line, a red dot or even a positive hand print could potentially be made 'accidentally,' " wrote Dirk Hoffmann, lead author of the studies and archaeologist with the Max Planck Institute for Evolutionary Anthropology, in an email."Of course, I am sure that this is not the case, since you would still need to bring [in] light and pigment, but one could argue that all you need is some pigment on your hand when you lean against a wall. A hand stencil cannot be explained like that. You have to hold your hand against the wall and the deliberately spray pigment over this. This is why we emphasize the hand stencil."The dating revealed that the cave art was created more than 64,000 years ago -- 20,000 years before modern humans appeared in what is now considered Europe.The shells were found in the Cueva de los Aviones, a sea cave in southeastern Spain. They are unique because they are perforated with holes and colored with red and yellow pigment. Others served as containers for the mineral pigments themselves. The pigments were used on the shells but could have also been used for the cave paintings and even as body paint.The deposit layer containing the shells dated to 115,000 years ago, which is even older than other shells recovered in Africa that were dated to modern humans."The standard archaeological interpretation of such finds is that they are body ornaments," Hoffmann said. "Similar finds were made in Africa or the Levant with similar age. In Africa or the Levant, these were made by modern humans, in Spain Neanderthals made them. So in terms of symbolism, early modern humans and Neanderthals were similar."The researchers are absolutely confident in their dating technique."We have spent 10 years refining the technique and have numerous quality controls," Pike said. "The dates respect the growth axis of the deposits we are dating, the oldest closest to the painting, the youngest at the surface."Once modern humans left Africa and migrated to Europe and other areas, mixing with the Neanderthals would've been inevitable. The researchers believe that the Neanderthals created this artwork on their own, without being influenced by any other population. But it's possible that they exchanged symbolism or that Neanderthals influenced the art and symbolism of modern humans. Modern humans were capable of symbolic behavior, so it "turns the who's copying who debate on its head," Pike said."The idea that culture only evolved with modern humans no longer makes sense," Pike said. Hoffmann suggested that Neanderthals now be referred to as "very close cousins" of modern humans.Is it possible that anyone else may have created the cave paintings?Pike said it is incredibly doubtful that a population of early modern humans migrated to Europe so early without any other evidence to suggest it."We cannot of course rule out that pre-Neanderthal populations made the art," Pike said. "This sounds like a project for the future."Hoffmann, Pike and their colleagues want to use their new dating technique in more caves in Spain, as well as France and Italy -- and anywhere else Neanderthals are known to lived.The findings also raise new questions for researchers."How far back does symbolic behavior go? Can it be traced to the last common ancestor of modern humans and Neanderthals? This is perhaps where we should be looking," Pike said. 5398

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