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President Donald Trump will roll out new plans to tackle the country's opioid epidemic on Monday in New Hampshire, the White House said Sunday.The plan will include stiffer penalties for high-intensity drug traffickers, including the death penalty for some, Andrew Bremberg, director of the White House Domestic Policy Council, told reporters Sunday.Trump's long-awaited plan will focus on three areas: Law enforcement and interdiction, prevention and education through a sizable advertising campaign,, improving the ability to fund treatment through the federal government, and help those impacted by the epidemic find jobs while fighting addiction, Bremberg and White House counselor Kellyanne Conway said. 716

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

RAMONA, Calif. (KGTV) -- Cal Fire San Diego responded quickly to a house fire in Ramona that spread to nearby brush. According to firefighters, the fire started inside a structure on the 16000 block of Salida Del Sol. The fire quickly spread to nearby vegetation fueled by low humidity and high winds. Firefighters responded with ground crews and dropped water on the blaze using helicopters. Crews were able to quickly extinguish the flames, but say the home was a total loss. A Red Flag Warning went into effect for parts of San Diego County early Sunday morning and was extended until Wednesday night at 5 p.m. RELATED: Check today's forecast | San Diego Gas and Electric shuts down power due to fire danger 753

President Trump took to Twitter on Thursday to personally confirm reports that he is hiring CNBC contributor Larry Kudlow has his next economic advisor."Larry Kudlow will be my Chief Economic Advisor as Director of the National Economic Council. Our Country will have many years of Great Economic & Financial Success, with low taxes, unparalleled innovation, fair trade and an ever expanding labor force leading the way! #MAGA," Trump tweeted.  461

Regardless of what's next I want to thank the fans for the past 6 years. So this weekend (10.30-11.1) Im buying y’all my favorite beer. Make a res at @Hopsmithchicago @LodgeTavern @ButchMcGuires @ShenannigansHOB & your 1st @MillerLite is on me. Just tell em to put it on #JonsTab— Jon Lester (@JLester34) October 30, 2020 334

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