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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

More than 300 endangered sea turtles were found dead near the southern coast of Mexico, the country's environmental officials said.It appears that hundreds of Olive Ridley (Lepidochelys olivacea) sea turtles died after they became entangled in an illegal fishing net off the coast of La Barra de Colotepec, Mexico's federal agency for environmental protection said Tuesday.The net has been prohibited in the area, officials said.The government's special prosecutorial office for crimes against the environment (PROFEPA) and other agencies are working to find those responsible for the incident.In 1990, a multilateral treaty criminalized killing the protected sea turtles. 680

More brands and businesses are becoming vocal in the movement for racial justice and equity.Some are taking it a step further, pledging donations and changes in their own practices to address workforce inequity.Adidas, which also owns Reebok, is pledging to increase the number of black and Latino employees it hires by the end of next year, saying at a minimum 30% of all new positions.The NFL also made recent specific pledges to hire more people of color in front office and coaching positions. It also made an immediate rule change that future head coaching positions need to include at least two interviews with external, minority candidates.“There's good evidence (that) both increasing the quality of a climate in the workplace and increasing the diversity of the workforce tends to be associated with better outcomes, especially in companies that are trying to be innovative in their production process, marketing and the like,” said Donald Tomaskovic-Devey, UMASS equity and inclusion expert.There are proven methods for increasing diversity, equity, and inclusion in the workplace. They include setting clear measurable goals, being transparent, and companies holding themselves accountable.Experts say it’s not only good for employees and business, but this shift in speaking up and change by industry leaders can spark even more influence.“You could imagine firms saying I’m not going to support the reelection campaigns of candidates who are making racist statements or stoking racial divisions,” said Tomaskovic-Devey. “Again, that’s putting your money where your mouth is.”Experts say another practical way to invoke change in the workplace is to treat complaints of bias, unfairness or discrimination as managerial problems to be solved, not legal issues. 1779

Most new moms can relate; after being stuck inside with a newborn for several weeks, getting outside for fresh air and a different view is important.Mei Xiang at the Smithsonian National Zoo in Washington, D.C. took her newborn panda cub outside the den recently and into the main enclosure.It was a short field trip for the pandas, with Mei Xiang gently nudging her cub along the floor and keeping them out of the smaller den space.These field trips will get longer and more frequent as the cub gains more strength.At eight-weeks-old, the cub is practicing crawling and is not expected to take steps until closer to three-months-old.Zookeepers say the cub is packing on the pounds and has grown a coat of thick, wooly fur, able to help it regulate its body temperature. This means the cub can sleep on the floor of the den next to its mom. 848

Monday's incident in Toronto is just one of many recent examples of mass casualty events involving vehicles striking pedestrians. According to local police, 10 people were killed and 15 injured by a van driving on a busy sidewalk north of Toronto's Downtown. Late on Monday, officials considered the incident a deliberate act. Monday's attack was just one of many that use vehicles as a tool of choice to kill citizens. Nice, FranceOn July 14, 2016, Mohamed Lahouaiej-Bouhlel, an alleged member of the Islamic State group, was accused of driving a cargo truck into a crowd of people celebrating Bastille Day. The attack killed 86, and wounded more than 400. The vehicle reportedly traveled at more than 55 MPH for several blocks as it rammed into pedestrians. Lahouaiej-Bouhlel was shot and killed by police.BerlinIn December 2016, an accused IS terrorist Anis Amri drove a truck deliberately into a crowded Christmas Market, killing 11 and wounding 56. Amri was shot and killed by police four days after the attack. LondonIn June 2017, using a Hyundai Tucson, Khalid Masood was accused of intentional ramming dozens of pedestrians near Westminster, killing five and injuring 49. CharlottesvilleIn July 2017, during a counter-protest to the Unite the Right rally, James Alex Fields Jr. allegedly drove a car into the protesters, killing one and injuring 20. Fields was arrested and charged with second-degree murder. New YorkLast Halloween, Sayfullo Saipov, an Uzbek man with ties to IS, allegedly rammed a Home Depot rental truck into pedestrians using a busy walking and biking trail in Manhattan. The attack left eight people dead and 11 wounded.  1758

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