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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

My grandmother used to take me to Cielo Vista Mall. Now it’s one more mass shooting scene. How many more must grieve before we act? #ElPaso— Pete Buttigieg (@PeteButtigieg) August 3, 2019 201

My friend was threatened in Wilson Park in Torrance, California today while she was working out in a public park by a Karen. She now does not feel safe to exercise in the park because of this. This is infuriating @TorranceCA @TorrancePD @ABC7 @CNN @LANow pic.twitter.com/JkZbRpODbA— Rachel Tennell (@rmtennell) June 10, 2020 332

NASCAR and the FBI said on Tuesday that investigators have completed an investigation and determined that driver Bubba Wallace was not the target of a hate crime.The racing circuit said that video from NASCAR given to the FBI concluded that a rope fashioned like a noose had been hanging from Wallace’s garage since as early as last fall. But the garage had not been used since a race in 2019."The FBI learned that garage number 4, where the noose was found, was assigned to Bubba Wallace last week.," said US Attorney Jay E Town and FBI Special Agent Johnnie Sharp in a joint statement. "The investigation also revealed evidence, including authentic video confirmed by NASCAR, that the noose found in garage number 4 was in that garage as early as October 2019. Although the noose is now known to have been in garage number 4 in 2019, nobody could have known Mr. Wallace would be assigned to garage number 4 last week."NASCAR President Steve Phelps told reporters that NASCAR will continue its own investigation.“I want to be clear about the 43 team – the 43 team had nothing to do with this,” Phelps said. “The evidence is very clear that the noose that was in that garage had been in the garage previously. The last race we’d had there in October, that noose was present, and the fact that it was not found until a member of the 43 team came there is something that is a fact.“We had not been back to the garage. It was a quick one-day show. The crew member went back in there, he looked at - he saw the noose, brought it to the attention of his crew chief, who then went to the NASCAR series director Jay Fabian and we launched this investigation. To be clear, we would do this again. The evidence that we had, it was clear we needed to look into this."Wallace's crew reported on Sunday finding a noose hanging from a garage stall at Talladega Superspeedway. Before Monday's race, drivers and crew members stood in solidarity with Wallace. Fellow drivers pushed Wallace’s car to the front of the field moments before the race got underway.Wallace became the first Black full-time NASCAR Cup Series driver in 2018 in more than four decades. He instantly found success as a full-time driver, finishing as the runner-up of the 2018 Daytona 500.Amid national unrest over the death of George Floyd, Wallace called for the ban of Confederate symbols from NASCAR events. NASCAR announced two weeks ago that Confederate flags would no longer be permitted at its tracks.Despite the ban, multiple Confederate flags were seen flying outside of the raceway, according to photos shared by the Associated Press. 2610

MILWAUKEE, Wisconsin — A Milwaukee man has been charged for the assault and kidnap of a woman who he met on the app 'Tagged.'According to the criminal complaint, the victim said she entered a vehicle with Davoncia Kelly McAfee near the intersection of 58th and Hampton on Nov. 13. While in the car, an unknown man appeared from the back seat, wrapped his arms around her face, put what felt like a handgun to the back of her neck and told her to come to the back seat where he placed a blindfold over her eyes.McAfee then drove the vehicle for approximately 15 more minutes before coming to a stop. He and the man in the backseat told the victim not to move or scream as they led her out of the vehicle and up a set of stairs into an apartment living room area.The victim was then assaulted by multiple male individuals in the home.She was later taken back to her vehicle while still wearing the blindfold and was told not to turn around when she was dropped off or they would "blow her head off."During the incident, the suspects took the victim's cellphone, sweatshirt, Wisconsin ID card, and paperwork from her employer.The victim later made a Facebook post using images from McAfee's Tagged account to identify him and turn him into the Milwaukee Police Department. Police conducted interviews with McAfee where he admitted to setting up dates on the internet for sex.Police also executed a search warrant at the apartment where the victim was taken. They found a magazine for a Smith and Wesson handgun with six unfired .40 caliber cartridges and an ammunition tray with more unfired cartridges inside the residence.McAfee faces charges for First Degree Sexual Assault (Forcibly Aiding & Abetting) - PTAC and As a Party to a Crime, Kidnapping (Carries Forcibly) - PTAC, As a Party to a Crime. He faces imprisonment up to 100 years, a fine of 0,000 or both.  1912