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President-elect Joe Biden has picked an experienced but not widely known state regulator, Michael Regan of North Carolina, to lead the Environmental Protection Agency. Regan is head of North Carolina’s environmental agency. He was one of several contenders whose name emerged only in recent days. Biden’s pick was confirmed Thursday by a person familiar with the selection process who was not authorized the discuss the matter publicly before the official announcement and spoke on condition of anonymity.According to the Washington Post, if confirmed, Regan would be the first Black man to run the agency. 614

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Remote learning. More people are online and the hackers know that, according to David Anefils, the senior solutions engineer at supportclub.com."It's a major threat," he said. "It's very important for schools to take preventative measures to keep themselves as safe as possible, because people work 9 to 5, and all they do is a hack."Anefils said he's worked with some local schools."I would love to see the schools educate parents more on steps to take," he said. "The fact that the bad guy knows everybody is online."There are some steps you can take to keep your family safe while distance learning.Anefils said to make sure you provide physical supervision while your child is learning.Equally important is practicing good computer habits."By having good anti-virus to prevent malware from spying on your activity and computer updates on schedule," he said.Make sure to set up parental controls on devices being used. He also suggested calling your provider to make sure your home router is updated."A lot of hackers can take advantage of firmware not being updated and compromise your router," Anefils said.Make sure to update your computer regularly. Of the utmost importance, perhaps, is installing a virtual private network or VPN."It basically masks your router's IP address and allows you to surf the web without being spied on," he said.Make sure to avoid public WiFi without a VPN, if at all possible. Don't ever click on unknown links in emails. The bottom line, stick to what you know, making sure it is popular and secure."I feel safe on zoom ever since they made the latest updates," he said.This story was first reported by Tory Dunnan at WPTV in West Palm Beach, Florida. 1697

RAMONA, Calif. (KGTV) - California Highway Patrol officers believe drugs or alcohol are likely factors in a crash that injured three people Tuesday near State Route 67 west of Ramona. A truck and two cars collided on Dye Road at Lansdown Lane about 4:30 p.m., the CHP reported. The white Mercedes had been traveling west on Dye Road and speeding when it crossed into oncoming traffic, witnesses told the CHP.The Mercedes clipped a blue Subaru and hit a Toyota Tacoma pickup head-on, officers said.The crash blocked the roadway and sent debris across lanes. Video from Sky10 showed the front end of the Mercedes was missing, and the roof of the truck was sheared off.Cal Fire crews, possibly from the Ramona station two-tenths of a mile away, were seen rescuing a person from a 77-year-old man from the seat of the truck. The men in the Mercedes and the truck suffered major injuries, the CHP confirmed. The woman in the Subaru had minor injuries. Helicopters landed in a nearby field to take patients to the hospital. The CHP announced a closure of the area at 5:16 p.m. Neighbors who live in the area say Dye Road is a dangerous road because no one drives the posted 55 mph speed limit. 1196

Republican Congressman Duncan Hunter won re-election in the 50th Congressional District, despite facing federal charges of campaign fraud. With 100 percent of the precincts reporting, Hunter had just over 54 percent of the vote against Democrat Ammar Campa-Najjar."He's strong on the 2nd Amendment, he's strong on our defense, he's very pro-military," said Dan Summers, a Ramona resident who voted for Hunter and celebrated at his campaign event Tuesday night. Hunter did not make himself available to the media, and in a statement said he looked forward to representing the 50th Congressional District on issues that matter to them."For 10 years, I have consistently and unapologetically focused on rebuilding the military, protecting the border, which includes a border wall, cutting taxes, supporting our veterans, creating small business jobs and economic development, upholding the 2nd Amendment and protecting the sanctity of life," Hunter said in the statement. Hunter's statement did not address the criminal charges, which he and his wife Margaret pleaded not guilty to in Federal Court earlier this year. The two are accused of misusing 0,000 in campaign contributions and falsifying reports. Still, if convicted, there is no rule in the House that Hunter would have to give up his seat. Expulsion requires a two-thirds vote, which would require Republican votes.Political analyst John Dadian says he sees Hunter fighting to keep his seat. "Technically he could still serve, and technically he could still serve from a jail cell," he said. "For example, he were to only get one year he could technically stay in and when he gets out in a year have a year left on his term."Under California law, the governor would have 14 days to set an election date for a vacant House seat. That would happen between 126 and 140 days later, or with the next regular election, if it's within 180 days. The Hunters are due back in court Dec. 3.   2005