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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

NATIONAL CITY (CNS) - Authorities today identified a motorcyclist who was killed in a collision at a South Bay intersection.Andrew Balderas, 21, of San Ysidro, was riding a Yamaha motorcycle eastbound in the 100 block of Mile of Cars Way just before 7 a.m. Thursday when a Toyota minivan made a left turn directly into his path at Transportation Avenue, according to the San Diego County Medical Examiner's Office.Balderas, who was wearing a helmet, struck the minivan and was ejected onto the roadway, according to a Medical Examiner's Office statement.An off-duty emergency medical technician arrived shortly after the collision, called 911 and began performing CPR on Balderas, the Medical Examiner's Office said. When paramedics arrived, Balderas was unresponsive and had no pulse. He was transported to UCSD Medical Center in Hillcrest, but doctors were unable to revive him.The minivan driver remained at the scene and cooperated with investigators, National City police Sgt. Jeffrey Meeks said.Intoxication was not believed to have been a factor in the collision, Meeks said. 1090

More than 1,000 mourners gathered in Texas on Saturday to pay their respects and celebrate the life of Barbara Bush, the matriarch of a Republican political dynasty.Bush, only the second woman in US history to have had a husband and son elected President, died Tuesday at the age of 92 at her home in Houston. She had been battling chronic obstructive pulmonary disease and congestive heart failure, and decided against seeking additional medical help earlier this week after a series of hospitalizations.See photos from Barbara Bush's visitation, funeralAccording to Mrs. Bush's wishes, the ceremony at the Bushes' family church, St. Martin's Episcopal Church in Houston, was a very simple service. Her son, former Florida Gov. Jeb Bush, friend Susan Baker, and presidential historian Jon Meacham delivered eulogies. 825

NASHVILLE, Ind. — A faculty advisor for the yearbook at a high school in Indiana has been suspended without pay for two weeks for a photo caption that referred to a Black student as "Black Guy" instead of the student's name.Brown County Schools Superintendent Dr. Laur Hammack and high school principal Matthew Stark made the announcement in a letter to the district on Friday.The mistaken caption printed in Brown County High School's 2020 yearbook."Our investigation did not identify any students (currently enrolled or graduated) who were involved in the creation of the offensive content," the district's statement read. "We believe the content was created by the faculty advisor for the yearbook; he will no longer serve in that role. Additionally, this same faculty member is being suspended without pay for two weeks."The district did not identify the staff member nor say whether the advisor is also a teacher."Both the family of the student and the former faculty advisor involved have committed to a restorative conference where the harm that was caused is acknowledged, the individual causing the harm is held accountable, and an honest discussion about the harm caused by this inexcusable act is conducted," the district's statement read.The district said that the discussion will and needs to continue."We are having meaningful conversations with students, families, and members of the larger Brown County community to help ensure an incident of this type will never happen again," the district said. "We will continue to keep you informed of our efforts."The caption was in a photo of one of the high school's basketball teams."We remain deeply grateful for the ongoing engagement of the student and family involved in being a collaborative partner in rejecting discrimination of all types and against anyone," the district said in its statement. "We will not [waiver] in our commitment to treating all our students with the respect and dignity they deserve. We absolutely and unreservedly reject the use of any pejorative term to describe anyone — especially those who are a member of the Brown County Schools family."This story originally reported by Bob Blake on wrtv.com. 2198

MOHEGAN LAKE, N.Y. — Angelina Friedman, a 102-year-old nursing home resident, recently survived her second bout with COVID-19, according to her daughter Joanne Merola."Not only has she beaten COVID at 101, she's beaten it at 102," Merola said.Friedman also has the unique distinction of living through two global pandemics.During the 1918 pandemic, Angelina Sciales was born on a passenger ship taking immigrants from Italy to New York City."She was born on a ship coming from Italy during the Spanish flu," Merola said earlier this year. "Her birthday was Oct. 18, 1918."Angelina's mother died giving birth on the ship."She was helped by her two sisters," Merola said of her mother.When Angelina's father reunited with his daughters in New York, he took them to live in Brooklyn."She was one of 11 children," Merola said. "She's the last one surviving."Angelina eventually married a man named Harold Friedman. The couple battled cancer later in life, but only Angelina overcame the disease.She's lost most of her hearing and her vision is bad, but she's retained her zest for life.Friedman, a resident of the North Westchester Restorative Therapy and Nursing Center, battled COVID-19 most recently in October, according to her daughter.Her first bout with the virus happened in March when she was taken to the hospital for a minor medical procedure.When she initially tested positive for COVID-19, the procedure was postponed and Friedman spent a week in the hospital. She then returned to the nursing home and was isolated in her room.After running a fever on and off for several weeks, Friedman finally tested negative for coronavirus on April 20.At the time, Friedman's daughter received a late-night phone call from nurses. They said Friedman was doing great, that she was eating again and looking for yarn for crocheting."My mother is a survivor," Merola said in April. "She survived miscarriages, internal bleeding and cancer."Six months after that first COVID-19 diagnosis, Friedman's daughter said she received a call from the nursing home in late October, "to tell me she tested positive again.""She had symptoms — fever, a dry cough," Merola said. "...they gave her a bunch of meds. They thought she might also have the flu."More staff and residents at the nursing home were getting sick, according to Merola, so the older residents were put in isolation.Merola said she got daily updates on the situation, and on Nov. 17 she received great news."My invincible mother tested negative," she said.After another test came back negative, Friedman was moved out of isolation and back into her regular room.Merola said she attributes her mother's survival to "an iron will to live.""She's not the oldest to survive COVID, but she may be the oldest to survive it twice," she said.This story was originally published by Mary Murphy on WPIX in New York City. 2868

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