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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

ATLANTA (AP) — The funeral for the Rev. C.T. Vivian, an early and key adviser to the Rev. Martin Luther King, is to be held Thursday. Because of the coronavirus outbreak, the service will be private and open only to family, according to a news release from the C.T. and Octavia Vivian Museum and Archives. It's scheduled for 11 a.m. Thursday at Providence Missionary Baptist Church in Atlanta, and will be streamed live online and broadcast by WSB-TV. Vivian died at home in Atlanta of natural causes at age 95 on Friday, the same day that fellow civil rights leader U.S. Rep. John Lewis died. 601

As the saying goes, beauty is in the eye of the beholder. And when it comes to appreciating art, that may be more true than ever. It's so subjective and comes down to true appreciation. One woman understands that more than most.To Myrna Hayutin the photos on her gallery wall are more than pictures of the past. She points out some of the art on display.  "This is a limited edition signed by Carl Mydans," Hayutin said. "This is Babe Ruth the last time he put on his uniform."These are works of art."It is history," Hayutin said. "It's just knowledge."And for the last 35 years she's been selling fine art like these pieces, despite the fact that she's legally blind."I anticipate doing this for at least another 10 years," Hayutin said. "As long as my eyesight holds."Hayutin started losing her eyesight when she was eight due to retinitis pigmentosa. And over the years, it's gotten progressively worse."It's like an island," Hayutin said. "As the disease progresses the island gets smaller and smaller now I see through two straws. So you may be standing right here but I am not seeing you. Or if were talking and you move I'll lose you."Still it hasn't affected her love for art or her determination to purse it as a career."It never occurred to me to stop me from doing anything that I really wanted to do," Hayutin said.Hayutin runs a successful international fine art gallery, Gallery M, and recently became an art appraiser."I'm looking at the artwork but honestly thank goodness with my devices I can really zoom in and see them much, much better," Hayutin said.Hayutin said her dog, Gouda, helps her navigate the changes in her eyesight, but what helps most is not focusing on what could happen."I would never have opened the gallery if I was fearful of what would be instead of what was at that time," Hayutin said. "I try to live in today and use the eyesight that I have today."Hayutin said every day is what you make it."There are some days where I'm not as positive as I should be, but I try it," Hauytin said. "I try to get back on that positive I mean because I'm surrounded by all of this gorgeous art and that's very uplifting."  2212

At least two sheriff's offices in Florida are investigating after voters in the state say they received threatening messages from people claiming to be affiliated with the Proud Boys that attempt to scare voters into voting for President Donald Trump.According to Florida Today, the emails sent to voters followed a similar format: The sender claimed to be in possession of personal information because they "gained access" to the "entire voting infrastructure." The message then says the voter must "vote for Trump on Election Day or we will come after you."Florida Today reports that the Brevard Supervisor of Elections has reported the messages to local law enforcement. In a Facebook post, the sheriff of Alachua County, located several hours northwest of Brevard County, said it was investigating similar messages with assistance from federal law enforcement. 872

As survivors describe the terror-filled moments after a student opened fire at Santa Fe High School, killing 10 people, stories of heroism are coming to light.One of them is about Christian "Riley" Garcia, a student who showed remarkable courage and selflessness during the shooting.Garcia, 15, died Friday while blocking an art classroom door to keep other students safe from the gunshots, said the family's pastor, Keenan Smith."He was holding the door shut when the shooter was trying to gain access into that art room ... the shooter shot through the door, taking his (Garcia's) life," Smith told CNN. But Garcia succeeded in holding the shooter back long enough to allow other students to escape out a back exit to safety.The pastor said he was with Garcia's family Friday night when other students told officials that the teen had saved their lives."He was against the door trying to help his teacher, trying to help another student, and trying to shield the others there," Smith said."That's not what's supposed to happen to a 15-year-old's life that he has to make those decisions. But he made them without even thinking about it, because it was his heart. This is who he was as an individual."Smith who baptized Garcia, described him as a fun-loving kid who loved football and enjoyed being outdoors. He hopes Garcia's brave sacrifice will bring some comfort to his family."This doesn't ease the pain any. It doesn't stop the void that will forever be there, but it does bring a measure of peace," he said.Even though all the victims of the massacre have been identified, Garcia's family has not yet been able to see his body."They (Garcia's family) are praying and hoping that they will be able to be reunited with him and see their son," Smith said.Garcia and his family attended nearby Crosby Church, which held a memorial service Monday night for the slain teen. 1888

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