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Myrtle Beach, South Carolina's police department is dealing with national scrutiny after police removed a man after he reportedly purchased a meal for homeless man inside of a McDonald's.The incident, which took place on Wednesday, was recorded on video, and has since gone viral, generating a national buzz. Nearly 40 million people have viewed the video in the 24 hours since it has been released. The incident happened after police were attempting to remove a man, who is reportedly homeless was eating a meal inside McDonald's. The man recording the incident claimed that he brought the man into the McDonald's and purchased him a meal."You guys suck... He didn't ask me for food, I saw him across the street and brought him over here for food," Yossi Gallo said. Gallo was then warned that he was being disorderly."I’m getting kicked out of here because I gave a homeless guy food,” Yossi Gallo said on the video he posted. Gallo and the homeless man were removed from the McDonald's by police. Police claim that the homeless man was asking people for money. A claim Gallo disputed. Myrtle Beach Police released a statement involving Wednesday's incident: Officers were dispatched to the location after receiving a call, from an employee of the business, that a male was in the parking lot asking people for money. Upon arriving at the restaurant, an employee approached the officer and indicated the male was inside the establishment. The employee requested the officer issue a trespassing warning and asked that the person leave the premises. The officer advised the male of the request made by the business and issued the warning. A bystander, who was videotaping the incident was also trespassed from the location, at the request of the manager, for what management deemed as disorderly behavior. 1858

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

Myrtle Beach, South Carolina, has remained a major vacation destination amid a national pandemic this summer.In recent days, several officials have warned that travelers returning from the popular East Coast beach destination should quarantine themselves and get tested.Despite the warnings, Myrtle Beach officials say they’re open for business, but are asking visitors to vacation responsibly."We understand that people are ready to travel again following these difficult past few months, and excited that people are choosing the Grand Strand as the destination they want to visit," said Karen Riordan, president and CEO of Visit Myrtle Beach. "While it's time to get back to where we all belong, we must remain diligent in maintaining social distancing, wearing a face mask in public places, practicing healthy hygiene and following all of the guidelines established by healthcare professionals in order to keep everyone healthy while they enjoy the Myrtle Beach area."With a permanent residency of 34,000, Myrtle Beach welcomes an estimated 18 million visitors a year. The city's beaches are some of the most popular and busy beaches in the US.But with large gatherings comes the risk of being infected with COVID-19, especially as cases surge in South Carolina.Dr. Molly O’Dell, who is a Roanoke, Virginia, public health official, told reporters on Tuesday that those returning from Myrtle Beach should quarantine upon their return.”One of the significant locations people are going and coming back positive over and over again is Myrtle Beach, South Carolina, so we are actually suggesting that people who go to quarantine themselves for 14 days because we’ve had so many positives from Myrtle Beach,” said O’Dell.Meanwhile, the governors of Connecticut, New Jersey and New York announced a joint agreement requiring those returning from areas with high community spread of COVID-19 to quarantine for 14 days upon their return.The Myrtle Beach region also has seen a reduction of available hospital beds. Currently, 84% of acute hospital beds in Horry County, South Carolina, are occupied. That number has steadily increased in recent weeks.For those planning on visiting Myrtle Beach, Visit Myrtle Beach has published tips on fun things you can do while social distancing in the area. Those tips can be seen here. 2327

Miss USA has apologized after comments she made about two fellow Miss Universe contestants' English-language abilities sparked backlash online.In a live Instagram video posted on Wednesday, 24-year-old contestant Sarah Rose Summers said that Miss Vietnam H'Hen Nie is "so cute and she pretends to know so much English and then you ask her a question after having a whole conversation with her and she (nods and smiles)."Summers, who was joined in the video by Miss Colombia, Valeria Morales and Miss Australia, Francesca Hung, was attending the Miss Universe pageant in Thailand, which is scheduled to begin on Sunday in Bangkok.Later on in the video Summers appeared to express sympathy for Miss Cambodia, Rern Sinat, who she said, "doesn't speak any English and not a single other person speaks her language.""Can you imagine? Francesca (Miss Australia) said that would be so isolating and I said yes and just confusing all the time," Summers said. "Poor Cambodia."The comments have sparked criticism online, with some calling Summers' words "xenophobic" and "condescending."Responding to the backlash in an Instagram post on Friday, Summers said that Miss Universe was "an opportunity for women from around the world to learn about each other's cultures, life experiences, and views.""In a moment where I intended to admire the courage of a few of my sisters, I said something that I now realize can be perceived as not respectful, and I apologize," Summers said, alongside a photo of her embracing her fellow contestants."My life, friendships, and career revolve around me being a compassionate and empathetic woman. I would never intend to hurt another," she added. "I am grateful for opportunities to speak with Nat, Miss Cambodia, and H'Hen, Miss Vietnam, directly about this experience. These are the moments that matter most to me."Speaking to CNN on Friday, Miss Vietnam H'Hen Nie said Summers "didn't mean anything" by it."Everyone in this competition, myself included, loves and respects one another," she said, adding that Summers had been particularly supportive and helpful to her."When she knew about my difficulties with (the English) language, she took an interest and showed me love. That's why she knows about that. Thank you Miss USA for taking care of me, showing me love and helping me recently," H'Hen Nie said.In another sign that all was well between the contestants, Miss Cambodia posted the same Instagram photo as Summers with the caption, "I speak the language of love, respect and understanding.""My friendship and sisterhood in Miss Universe will forever be kept in my heart," she said. "Our experience have given us the opportunity to show and learn different cultures." 2711

Mississippi Republican Sen. Cindy Hyde-Smith joked about going "front row" to a "public hanging" in a video posted to Twitter on Sunday morning, prompting her opponent to call her comment "reprehensible.""If he invited me to a public hanging, I'd be on the front row," the senator is heard saying in the video.Hyde-Smith faces former Democratic Rep. Mike Espy in a runoff election on November 27 for the Mississippi Senate seat. The runoff election was triggered when neither she nor Espy received more than 50% of the vote total on November 6.Hyde-Smith was appointed in April to fill the seat vacated by longtime Republican Sen. Thad Cochran, who stepped down due to health reasons. She became the first female senator to represent the state.In the video, Hyde-Smith appeared to be speaking during a campaign event about the support of a Mississippi rancher.The line drew applause and laughter from the crowd. The short video clip was met with immediate backlash online and had more than 2 million page views as of late Sunday night. 1043