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Mortgage rates have risen about half a percentage point since September. What does that mean for you if you’re buying a home now or plan to buy one soon?For starters, don’t panic.When you’re buying a home, the mortgage rate matters, but it shouldn’t monopolize your attention, says Robert Frick, corporate economist for Navy Federal Credit Union. “You shouldn’t focus on the rate and let that scare you into making a hasty decision about buying a house,” he says.How rising rates affect your monthly payment 520

NATIONAL CITY, Calif., (KGTV) -- National City Police needs your help in locating a missing man. 35-year-old Melvin Ray Lachica was last seen at the Aloha Village Apartments on East 9th and Palm Avenue in National City on August 13, 2019. The Marine Veteran is 5'6'' tall, about 170 lbs, and has a skin-colored old scar on his forehead. Lachica's family says he suffers from PTSD. Family and fellow former Marines searched for Lachica in the Mission Trails area Saturday, hoping to locate him there. However, they did not find him. Anyone with information is asked to call National City Police at 619-336-4411 or 619-336-4472. 636

MSNBC host Joy Reid this week employed the same excuse as so many other public figures who have been embarrassed by something they had written online: she said she was hacked.But after widespread skepticism regarding her claims, Reid and her employer went further than most of those humiliated celebrities, providing analysis from her own cybersecurity consultant, who said that old, homophobic posts that appeared to have been published on Reid's now-shuttered blog were indeed the result of nefarious activity.Reid, a liberal pundit who hosts a program every weekend on MSNBC, said Monday that a number of posts unearthed by a Twitter user were placed online by an "external party."The claim was met with immediate and widespread skepticism; the doubt shifted to derision on Tuesday afternoon, when a representative for the Wayback Machine, a digital archive that stores old content, said that a review "found nothing to indicate tampering or hacking of the Wayback Machine versions."The backlash grew so severe that an LGBTQ advocacy group, PFLAG National, announced that it was rescinding an award it intended to give to Reid next month.But on Tuesday night, a spokeswoman for MSNBC shared several documents with CNNMoney, including a statement from an independent security consultant named Jonathan Nichols, who said he has "significant evidence" that some of the recently circulated posts are bogus.In his statement, Nichols said that he "discovered that login information used to access the blog was available on the Dark Web and that fraudulent entries -- featuring offensive statements -- were entered with suspicious formatting and time stamps.""At no time has Ms. Reid claimed that the Wayback Machine was hacked, though early in our investigation, we were made aware of a breach at archive.org which may have correlated with the fraudulent blog posts we observed on their website," Nichols said. "We simply wanted to ascertain whether that breach was related to the compromising of Ms. Reid's blog."He pointed out that the inflammatory blog entries in question didn't have reader comments. "If those posts were real, they would have undoubtedly elicited responses from Ms. Reid's base," he wrote.The MSNBC spokesperson also provided letters sent in December from Reid's attorney to Alphabet, the parent company of Google, which owned the site on which Reid's blog was hosted at the time of the disputed posts, and Internet Archive, which runs the Wayback Machine, to alert the companies of the alleged hacking. CNNMoney has reached out to Alphabet for comment. The MSNBC spokesperson did not respond to a follow-up inquiry regarding Alphabet's response.Nichols said that many of the posts in question were published at a time when Reid was hosting a radio show, and that the "text and visual styling was inconsistent with her original entries."He added that "some of the recently circulated posts were not even on the site at any time, suggesting that these instances may be the result of screenshot manipulation."Reid's attorney, John H. Reichman, highlighted what he said was another discrepancy in his letters to the companies, pointing out that Reid published posts on January 10, 2006 about the confirmation hearings for Supreme Court Justice Samuel Alito at 10:18 a.m., 11:34 a.m. and 11:41 a.m., but that the archive showed what Reichman described as a "lengthy, fraudulent entry" at 11:28 a.m."Ms. Reid did not have the superhuman blogging skills needed to do all of these posts simultaneously," Reichman wrote.A Library of Congress archive of the site shows that the "lengthy" entry contains only two sentences of text actually written by the post's author; the rest is a quote.The Library of Congress archive reviewed by CNNMoney -- which the Library says is created using a local installation of the Wayback Machine -- contains the disputed posts and lists them as having been archived on January 12, 2006. The documents provided by MSNBC to CNNMoney do not contain a letter to the Library of Congress regarding its archive.In his letter to Internet Archive, Reichman demanded that the site provide "the information needed to determine how the fraudulent posts came to be included in the archived posts." He asked Alphabet for "immediate assistance in determining how, when and by whom the Blog was hacked and the fraudulent posts entered."The controversy, one of the strangest in recent memory to ensnare a media personality, began Monday, when Mediaite reported on the blog posts, many of which contained homophobic sentiments. In one, the author wrote "most straight people cringe at the sight of two men kissing," and that it is in the "intrinsic nature" of straight people to find homosexual sex "gross."Reid told Mediaite in a statement that she "began working with a cyber-security expert who first identified the unauthorized activity," and that she "notified federal law enforcement officials of the breach."The claim was met with plenty of skepticism, at least in part because Reid had already apologized in December for other years-old anti-gay posts that appeared on the blog, which were found by the same Twitter user, @Jamie_Maz, who also unearthed this week's posts through the Wayback Machine.It didn't help Reid's credibility when the representative for the Wayback Machine rebutted her claim on Tuesday afternoon."When we reviewed the archives, we found nothing to indicate tampering or hacking of the Wayback Machine versions," wrote Chris Butler on the Wayback Machine's blog. "At least some of the examples of allegedly fraudulent posts provided to us had been archived at different dates and by different entities."Butler said "the point at which the manipulation is to have occurred, according to Reid, is still unclear to us," and that he and his colleagues "let Reid's lawyers know that the information provided was not sufficient for us to verify claims of manipulation.""Consequently, and due to Reid's being a journalist (a very high-profile one, at that) and the journalistic nature of the blog archives, we declined to take down the archives," Butler wrote. "We were clear that we would welcome and consider any further information that they could provide us to support their claims."  6251

More than 2,000 coronavirus deaths were reported in the US on Tuesday, marking the most coronavirus-related deaths since May, according to Johns Hopkins University data.The deaths put the US death toll at 259,874. The average number of coronavirus-related deaths in the US has now reached 1,500 per day, which is nearly double the number of deaths per day a month ago.Also doubling in the last month is the number of COVID-19 hospitalizations. According to the COVID Tracking Project,the number of Americans currently hospitalized with COVID-19 is over 88,000. Just thirty days ago, there were 42,000 coronavirus-related hospitalizations.The rapid spread of coronavirus cases in recent weeks has prompted grave concern among public health experts that family gatherings for Thanksgiving will make for a dire situation for America’s already overwhelmed and increasingly overwhelmed hospitals. 899

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