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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

Attorney General William Barr took aim at his own Justice Department on Wednesday, criticizing prosecutors for behaving as “headhunters” in their pursuit of prominent targets and politically charged cases.The comments at a speech at Hillsdale College in Michigan amount to a striking and unusual rebuke of the thousands of prosecutors who do the daily work of assembling criminal cases across the country.Barr described the prosecutors as part of the “permanent bureaucracy” and said they were in need of supervision from “detached,” politically appointed leaders who are accountable to the president and Congress.“The men and women who have ultimate authority in the Justice Department are thus the ones on whom our elected officials have conferred that responsibility — by presidential appointment and Senate confirmation,” Barr said, according to his prepared remarks. “That blessing by the two political branches of government gives these officials democratic legitimacy that career officials simply do not possess.”As Attorney General, Barr has been aggressive in pursuing certain categories of prosecution himself, including seeking federal charges against those arrested in protests following the death of George Floyd. In fact, later on Wednesday, Barr said wants prosecutors to be aggressive in charging demonstrators who cause violence.So far, more than 300 people have been charged with federal crimes in the protests that erupted following the death of George Floyd.An Associated Press analysis shows that many are accused of serious crimes like hurling Molotov cocktails, burning police cars and seriously injuring law enforcement. Others are not accused of serious crimes, prompting criticism that the effort is a politically motivated effort to stymie demonstrations. 1790

As you head to the stores for your back-to-school shopping, you may get suckered into buying items marked down as a sale. But there are a few things you should know before shopping if you want to save money.Jeff Kreisler, editor and chief of People Science, says in order to be a smart shopper, you have to pay attention to the "decoy price."“If something has three different versions," explains Kreisler. "The top version is too expensive, the bottom version is too cheap, and because we don’t really know how to value it, we chose what’s in the middle.”That middle item is not always the best deal. Also, don't get suckered into buying the newest item, which is usually overpriced.  712

At least two sheriff's offices in Florida are investigating after voters in the state say they received threatening messages from people claiming to be affiliated with the Proud Boys that attempt to scare voters into voting for President Donald Trump.According to Florida Today, the emails sent to voters followed a similar format: The sender claimed to be in possession of personal information because they "gained access" to the "entire voting infrastructure." The message then says the voter must "vote for Trump on Election Day or we will come after you."Florida Today reports that the Brevard Supervisor of Elections has reported the messages to local law enforcement. In a Facebook post, the sheriff of Alachua County, located several hours northwest of Brevard County, said it was investigating similar messages with assistance from federal law enforcement. 872

AURORA, Colo. — Three Aurora Police Department officers who were fired last week over their involvement in taking a picture in front of the memorial for Elijah McClain while mocking the chokehold officers used on him before his death, then sending it in a group text, have appealed their dismissals.Officers Erica Marrero and Kyle Dittrich both submitted their appeals on Wednesday, Aurora spokesperson Michael Bryant said. The Aurora Civil Service Commission will next schedule hearing dates within 15 to 30 days, though those hearings could be pushed back if extensions are filed.Marrero and Dittrich were two of the three officers pictured in the photos taken last October. A third officer in the photos, Jaron Jones, resigned last week before he could be fired.And on Thursday evening, Bryant confirmed that a fourth officer involved in a group text in which the photos were sent, Jason Rosenblatt, who was also fired because he responded "ha ha" to the photos, had filed an appeal over his termination.The fired officers had 10 days to file an appeal from last Friday.“It is my prerogative," Aurora’s Interim Police Chief Vanessa Wilson said in announcing last week the terminations. "And the public outcry and demand for justice for Elijah — they don't deserve to wear a badge anymore. I accelerated [the discipline process], and I was able to do that legally and I felt it was the right thing for this community."The photos were taken on Oct. 20, 2019, nearly two months after McClain's violent encounter with police. Dittrich, Marrero and Jones were on duty and had completed a service call in the area where McClain was detained in August.The three officers posed for a selfie, with Dittrich taking the photo and Jones putting his arm around Dittrich's neck, according to department investigative documents released Friday.Dittrich then texted the photo to two officers, Rosenblatt and Nathan Woodyard, who was also involved in the original McClain incident.Woodyard did not respond and deleted the photo, Wilson said. Woodyard was not disciplined in the incident.Rosenblatt responded, "ha ha," according to the investigation.McClain, 23, was unarmed when he was encountered by Aurora police on Aug. 24, 2019. Police put McClain in a carotid hold, which limits blood flow to the brain, after stopping him while he was walking home. When he became unresponsive, paramedics gave him ketamine, police have said.McClain had a heart attack and died six days later.The officers involved in McClain's death were not arrested or charged, despite continued calls for justice from McClain's family and supporters.In June, as McClain's death garnered national interest, Gov. Jared Polis appointed Attorney General Phil Weiser to investigate the officers' actions.The Aurora City Council is working on putting together a panel of candidates for an independent investigation of the city’s own.This story was originally published by Blair Miller on KMGH in Denver. 2967