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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

Mira Ricardel barely lasted seven months as deputy national security adviser before First Lady Melania Trump issued an unprecedented call for her dismissal and President Donald Trump moved to fire her.In those few months on the job, Ricardel generated a long list of enemies and developed a reputation for shouting at subordinates, plotting against White House officials she disliked and leaking stories about her administration opponents to the press. One source familiar with the situation said Ricardel's firing is due in part to her "bullying" of aides both above and below her.Current and former colleagues of Ricardel paint a picture of a committed conservative and national security expert with a strong personality. One former colleague described her as someone who doesn't "suffer fools" or have a nuanced touch when it comes to navigating the shoals of internal politics. A White House official was blunter, describing the California native as ideologically driven and "obstinate".The former State Department and Pentagon official made enemies of heavyweights within the Trump administration, feuding with chief of staff John Kelly, his deputy Zach Fuentes, and locked horns with Defense Secretary James Mattis, according to people familiar with the White House intrigue.But her spat with the first lady's staff over Mrs. Trump's trip to Africa -- apparently over seating on the plane and the use of National Security Council resources -- seems to have earned her the enmity of the person who may wield the most weight with Trump: his wife.The President told people on Tuesday that he had made the decision to fire Ricardel, but that he was giving her time to clear her desk, making her the latest in a long list of high ranking officials who have left or been booted from the Trump administration.Ricardel did not return requests for comment.Ricardel was raised in Pasadena, the child of a Croatian immigrant and went on to study at Georgetown University's School of Foreign Service and then do doctoral work at Tufts University's Fletcher School of Law and Diplomacy. 2097

MURRIETA, Calif. (KGTV) -- The contractor involved in Monday’s deadly gas explosion in Murrieta did not call 811 as required by law, according to officials. One SoCalGas worker was killed in the explosion and more than a dozen people were injured. If a homeowner or contractor plans to do any digging into the ground, there must be a call placed to 811 two working days in advance, according to state law. Investigators say a solar company was working on the Murrieta home when the explosion occurred. That company, Horizon Solar Power, would not specifically address the incident. A spokesperson told Team 10: “Yesterday, four members of our team were at the site of a residential explosion in Murrieta. We are working with authorities and collecting facts to better understand what happened. Our primary thoughts are with the people who were injured and their families, including with the family of the person who lost his life.”An SDG&E spokesperson said 811 must be called for projects including landscaping, fence, and patio projects. In San Diego County when you place that call, SDG&E will mark the location of buried utility owned pipelines and other lines. The service is free.RELATED: Utility worker's body recovered after Murrieta house explosionSDG&E receives between 12 to 13,000 Dig Alert location requests each month. Last year, utility crews were called to repair approximately 306 natural gas lines damaged due to construction or landscaping, according to a spokesperson. This year so far, there have been more than 90 preventable gas leaks. Starting July 1, 2020, the new California Underground Facilities Safe Excavation Board (Dig Safe Board) will begin enforcement, according to SDG&E. Enforcement will include anything from training classes and/or fines up to ,000. The Dig Safe Board is responsible for issue fines. 1866

NASHVILLE, Tenn. — Officers with the Metro Nashville Police Department (MNPD) have arrested a 21-year-old man suspected of killing a nurse on a local highway as she drove to work earlier this month.Caitlyn Kaufman, 26, was shot and killed on Interstate 440 on Dec. 3 as she drove to her job at St. Thomas West Hospital. Her death shocked the city of Nashville and garnered national attention.On Friday morning, MNPD Chief John Drake announced that SWAT members took 21-year-old Devaunte L. Hill into custody earlier in the day without incident at Hill's East Nashville apartment. Hill has been charged with criminal homicide. Police said Hill and Kaufman did not know each other prior to the shooting. 710

MILWAUKEE, Wisconsin — Over the past year, there has been an increase in drivers illegally passing school buses in Kenosha County, Wisconsin.In 2017, the Kenosha County Sheriffs Office issues 57 "failure to stop for school bus" violations. This year, the number of citations is up 70.Steve Bennett has been a bus driver at First Student Inc. in Kenosha for 11 years. It's a school bus company that services 39 schools in that county. He said when he sees a car passing the stop arm, it’s upsetting. “It’s a mix between anger and I’m terrified. What’s going to happen with my kids?” Bennet said.According to a one-day study done by the Wisconsin School Bus Association, out of 1,538 participating drivers, 363 cars were observed passing the stop arms.In Waukesha County, 242 violations were reported in 2017. Michael Comstock, manager of First Student, said his drivers report violations daily. Once a violation is observed, license plate numbers and the description of the vehicle are then handed off to authorities. “It’s a life and death decision every time they decide to drive through the red lights on a school,” said Bennett.Elizabeth Ramirez is a mother of a 4-year-old and said it’s gut-wrenching to see drivers pass through school bus stop arms. “You have to pay attention because that’s why so many things are happening nowadays. People are in such a rush to get somewhere," said Ramirez. Failure to comply with school bus stop laws could result in a 2 fine.  1515

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