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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

MOHEGAN LAKE, N.Y. — Angelina Friedman, a 102-year-old nursing home resident, recently survived her second bout with COVID-19, according to her daughter Joanne Merola."Not only has she beaten COVID at 101, she's beaten it at 102," Merola said.Friedman also has the unique distinction of living through two global pandemics.During the 1918 pandemic, Angelina Sciales was born on a passenger ship taking immigrants from Italy to New York City."She was born on a ship coming from Italy during the Spanish flu," Merola said earlier this year. "Her birthday was Oct. 18, 1918."Angelina's mother died giving birth on the ship."She was helped by her two sisters," Merola said of her mother.When Angelina's father reunited with his daughters in New York, he took them to live in Brooklyn."She was one of 11 children," Merola said. "She's the last one surviving."Angelina eventually married a man named Harold Friedman. The couple battled cancer later in life, but only Angelina overcame the disease.She's lost most of her hearing and her vision is bad, but she's retained her zest for life.Friedman, a resident of the North Westchester Restorative Therapy and Nursing Center, battled COVID-19 most recently in October, according to her daughter.Her first bout with the virus happened in March when she was taken to the hospital for a minor medical procedure.When she initially tested positive for COVID-19, the procedure was postponed and Friedman spent a week in the hospital. She then returned to the nursing home and was isolated in her room.After running a fever on and off for several weeks, Friedman finally tested negative for coronavirus on April 20.At the time, Friedman's daughter received a late-night phone call from nurses. They said Friedman was doing great, that she was eating again and looking for yarn for crocheting."My mother is a survivor," Merola said in April. "She survived miscarriages, internal bleeding and cancer."Six months after that first COVID-19 diagnosis, Friedman's daughter said she received a call from the nursing home in late October, "to tell me she tested positive again.""She had symptoms — fever, a dry cough," Merola said. "...they gave her a bunch of meds. They thought she might also have the flu."More staff and residents at the nursing home were getting sick, according to Merola, so the older residents were put in isolation.Merola said she got daily updates on the situation, and on Nov. 17 she received great news."My invincible mother tested negative," she said.After another test came back negative, Friedman was moved out of isolation and back into her regular room.Merola said she attributes her mother's survival to "an iron will to live.""She's not the oldest to survive COVID, but she may be the oldest to survive it twice," she said.This story was originally published by Mary Murphy on WPIX in New York City. 2868

Nearly 15,000 jobs are at stake as General Motors has announced it may be closing as many as five factories.The company said it will close the Detroit-Hamtramck Assembly Plant in Detroit and Warren Transmission Operations in Warren. Other plans closing include the Oshawa Assembly Plant in Oshawa, Ontario, the Lordstown Assembly in Warren, Ohio and the Baltimore Operations in White Marsh, Maryland, WXYZ television station reports.The moves are the first big steps in the century-old GM's transformation. It is closing facilities and reinvesting money away from cars that once dominated roadways and to technology that the company believes will power its future."These actions will increase the long-term profit and cash generation potential of the company and improve resilience through the cycle," CEO Mary Barra said.GM is preparing for the next economic downturn and potential tariffs on auto imports. It will reduce its salaried workforce by 15 percent, including a quarter of the company's executives.A plant in Canada that is closing will eliminate 2,500 jobs. The Canada plant set to close as part of the global restructuring is in Oshawa, Ontario, where it has been open since 1953. The private sector union Unifor said it has been informed there is no product allocated for the plant past December 2019.The union will meet with GM leaders later today.The company's plant closures have been expected due to struggling automobile sales. Layoffs in the United States will affect factory and white-collar workers, The Washington Post reports. 1588

MIRAMAR, Calif. (KGTV) — Nearly 50 years after 15 men lost their lives at Naval Air Station Miramar, one man recounted his memories hoping to keep their story alive.Monday, Dec. 22, 1969 was Darwin Ludi's first day back from Christmas vacation. He was on rotation at the Balboa Naval Hospital in the morgue as a Navy Corpsman.When he walked in that morning he described the horrifying sight, "there were body bags along the hallway and I was like, 'What is going on?" RELATED: MCAS Miramar dedicates plaque to Marines killed in 1970 training crashHe said the men were unrecognizable. He said the initial shock stayed with him for months and to this day is his strongest memory."We did the autopsies over a couple of days and the smell just lingered," he said somberly.Photos from MCAS Miramar's archives capture the panic and pain. Around 10:30 a.m. one article says the pilot of an F-8 Crusader ejected after reporting low oil pressure and engine seizure. He said he had no control over the plane.After ejecting, the plane veered right, according to the article, straight into a hangar.RELATED: MCAS Miramar crucial training hub, as political tensions rise around the world"They had, from what I understand, probably 60 some people working in the hangar at the time," Ludi said.The article described a 'big ball of flame belch[ed] from the doorway' then more explosions. "With all the like I said ordnances and it was fuel tanks in there, they were blowing up," Ludi said.The article stated at least 12 were injured from the crash, two jets were destroyed, another damaged extensively. The damage initially tallied around million.Fifty years later he hopes telling their story will keep those who made the ultimate sacrifice from being forgotten, "as long as I'm around hopefully things like this come out, because it's important. It's important to the San Diego community."Important especially in the middle of the holiday season. 1944

Moving is a part of growing up: from home to dorm or apartment, from apartment into a condo or home, from one part of the country to another. While the reasons can vary, this year the coronavirus pandemic is motivating a lot of moves.Realtor groups around the country have reported that home sales continue to be strong in many areas around the country, as buyers look for a new place to call their work-from-home office. The National Association of Realtors says August is poised to have a home buying peak, with year-over-year growth in home sales, buyer demand and housing prices.Since many are discovering work can be done from a home located almost anywhere during the pandemic, moving trends are favoring smaller cities and reportedly lower rents and home prices.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends. They looked at more than 25,000 moves booked since March 11, 2020 to see where people were headed as the country manages the coronavirus pandemic.According to HireaHelper, 15 percent of all moves they tracked were motivated by the pandemic. Of those moves, 37 percent were moving because they could no longer afford to live where they were living.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving. The next closest state with high move-in compared to move-out numbers was New Mexico with a 44 percent increase.According to a survey conducted in July by the Pew Research Center, one-in-five Americans (roughly 22 percent) have relocated because of the Covid-19 pandemic or know someone who has. Roughly 6 percent of those surveyed say someone has moved into their household because of the pandemic.Overall those most likely being motivated to move or to have more people move into their home because of the pandemic are young adults, 37 percent of 18 to 29 year olds surveyed.In that age group, roughly one-in-ten of them said they have moved because of the coronavirus outbreak. The reasons varied from colleges closing campus, work hours cutting back or being laid off.Typically, there is a slow down in home sales and moving in the fall and winter. The National Association of Realtors says the pandemic has pushed the normal summer peak by a few months into August. Time will tell if the pandemic impacts moving trends into the later part of 2020. 2634