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Regarding the incident from last night, as soon as we found out about this situation, we contacted the customer to let her know, that the behavior she experienced is unacceptable and a clear violation of our service standards. We apologized and assured her that we, as a company, do not tolerate this type of behavior, in our stores. We have since made suggestions to managers of this franchise, location, on how to deal with the employee, who caused this regrettable situation. 486

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

RANCHO SAN DIEGO (KGTV) -- The boyfriend of a missing woman refused to take a polygraph test Monday - on the same day Arizona police arrested him for identity theft and forgery. Kiera Bergman was living in Phoenix when she went missing two weeks ago, but the 19-year-old grew up in San Diego. Monday night her father agreed to speak with 10News Anchor Ariel Wesler about the desperate search for Bergman. Bergman graduated from Valhalla High School in 2017. After her disappearance, family and friends launched the #bringKIERAhome campaign - passing out flyers and stickers to keep hope alive.  617

President Donald Trump was aware of his personal attorney Michael Cohen's hush money payment to porn star Stormy Daniels when he denied knowing anything about it last month, The New York Times reported Friday, citing two people familiar with the arrangement.Cohen paid Daniels 0,000 ahead of the 2016 presidential election for her discretion on an alleged sexual encounter she and Trump had more than a decade ago. Cohen has admitted to paying Daniels using money from his own pocket.Daniels filed a lawsuit over the nondisclosure agreement, claiming it was void because Trump never signed it himself. The lawsuit has since spiraled and has left Cohen in a potential legal predicament over whether the payment was an illegal in-kind campaign contribution.Trump had denied knowing about the agreement when he spoke to reporters on Air Force One in April. However, Trump lawyer Rudy Giuliani drew that claim into question when he said earlier this week that Trump had paid Cohen back. Trump then denied that any campaign money had been used to reimburse Cohen and said he was paid via retainer. 1103

Protests in response to the death of Stephon Clark, a 22-year-old who was shot and killed by Sacramento Police on Sunday after officers confused his cellphone for a gun, caused major disruptions in Sacramento on Thursday. Most fans were unable to enter the Sacramento Kings' NBA match against the Atlanta Hawks despite a delay in the game. Protesters locked arms around the arena's gates, prohibiting fans from reaching the doors. As the game tipped off Thursday evening, only the first few rows of seats were full in the arena that seats nearly 20,000 fans. "Tonight's game began with a delay," the Kings said in a statement. "Due to law enforcement being unable to ensure ticketed fans could safely enter the arena, the arena remains closed and we ask fans outside to travel home. We will issue further information soon regarding a refund."Some fans left the area outside the arena disappointed. "I"m very disappointed," Fermin Rodriguez told the Sacramento Bee, as he was planning on seeing the game with his wife and four children. "I mean I feel their pain, but why do we have to suffer as well? We paid a lot of money for these tickets. I hope they give us a refund."Protesters also disrupted rush hour traffic earlier in the evening by standing in the middle of Interstate 5 before police cleared the hundreds of protesters off the freeway. Captain Norm Leong of the Sacramento Police Department confirmed on Twitter late Thursday that no one has been arrested in connection to Thursday's demonstration. The protests were sparked hours after Sacramento Police released helicopter and bodycam video of Sunday's incident. It showed Clark running through several yards before being confronted behind his grandmother's door. In the video, police could be heard telling him to put his hands up. Within seconds, officers fired 20 rounds at Clark, killing him. "Prior to the shooting, the involved officers saw the suspect facing them, advance forward with his arms extended, and holding an object in his hands," Sacramento Police said in a statement. "At the time of the shooting, the officers believed the suspect was pointing a firearm at them. After an exhaustive search, scene investigators did not locate any firearms. The only item found near the suspect was a cell phone."Police were originally called to the scene over someone breaking into cars.  2434