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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

NASHVILLE, Tenn. — Joseph Webster was in his 20s when he was convicted for a first-degree murder he didn't commit. At 41 years old, the father of four is readjusting to his newly granted freedom.Webster was released on Tuesday after a Davidson County judge ruled to vacate his murder conviction. New DNA evidence and key witnesses with different accounts of the incident helped solidify the decision.It's the first time a person was exonerated of murder because of his innocence in Nashville, according to attorney Daniel Horwitz."It's unbelievable but believable," Webster said. "The truth will set you free. I just didn't know when."Webster was sentenced to life in prison 15 years ago for the beating death of Leroy Owens in 1998. Horwitz helped uncover new evidence alongside the Davidson County Criminal Review Unit that points to a different suspect.Webster always maintained his innocence and never wavered from his hope that one day he'd get out of prison."It's a rare entity within the district attorney's office. Wrongful convictions are fairly rare, but they do occur," Horwitz said.In early 2019, Davidson County District Attorney Glenn Funk said he would reopen the case after new testing revealed that Webster's DNA was not found on the murder weapon. The only witness in the case allegedly changed her story several times, and at times the testimony pointed to a different suspect.In late October, Webster's attorney announced that Funk had vacated his sentence after a reinvestigation by the Conviction Review board, which cleared the way for Webster's possible release."The Conviction Review Unit no longer has confidence in the conviction of Mr. Webster," the motion stated. "We recommend Mr. Webster's conviction be vacated and the charges against him dismissed."With the victim's family in the courtroom, the state said there was no other option but to free Webster.Seconds after he could walk free, Webster's mother and children swarmed him with hugs and tears. He said he's been laying low and hanging out with loved ones who helped keep his strength over the years.Webster said there are others in his position without a support system. He eventually wants to his use experience to speak to teenagers about life in prison and to stay out of trouble.In the meantime, he wants to reconnect with society and heal from years of emotional, mental and physical stress."I just want to see the other side, and I just want to be happy and enjoy life," he said.He spent part of his day Thursday trying to get a driver's license with his attorney. Webster wants to rent his own apartment, get a commercial driver's license, and start a trucking business with his children.Horwitz said there are currently no plans to pursue restitution, but he has started a GoFundMe to help raise money for Webster.Money raised above the goal will be donated to the Innocence Project. Click here to donate.This story was originally published by Matthew Torres on WTVF in Nashville, Tennessee. 2996

Most parents want to start saving for college while their child is young, but a new study by the Center for Michigan found that might be difficult.In Massachusetts, families with two children are paying, on average, more than ,000 for child care in a year. State tuition for colleges average around that same price."Reality hits when you become a parent,” says mom Yvette Schilling. “And you are working extra hard and working full time and so is your husband."  Schilling says when it comes to child care, the family has to be really mindful of the cost and budget accordingly.On average, parents pay nearly 0 a week for two children in child care. Care.com estimates it at more than ,000 a year.Figuring out how to pay for day care has been a struggle for many mothers."We don't have any family around, so that becomes a little bit of a challenge," Shilling says.  She says hiring a nanny would have cost her almost triple what she's paying for daycare.  "Is it worth it for me to work full time, so we can pay ,000, or should I just stay home and watch my kids myself?” Schilling asks.   So, how can parents save money for child care?According to the Care website, one option is to sign up for a dependent care account through your employer. You can set aside up to ,000 tax-free pay for child care.  If your employer doesn't offer a flexible spending account, take advantage of the child care tax credit. Each family can itemize child care expenses up to ,000 a year and apply a tax credit to it.  To off-set some costs, nanny sharing is becoming a popular trend, allowing two families to share a nanny and split the cost. 1685

NATIONAL CITY, Calif. (KGTV) -- Police are investigating after they say a 26-year-old was shot and killed, possibly after a previous fight at a different location, Tuesday afternoon in National City.Police say the shooting happened near a 7-Eleven on the 800 block of Eta Street around 11 a.m. Tuesday. Police blocked off the parking lot after the shooting.A clerk at the convenience store at the time of the shooting said she didn’t see any violence or hear any shots fired.RELATED: Person shot near National City 7-ElevenIn a report released Wednesday, police say the shooting may be related to a fight at Mex Mart on the 1700 block of South 43rd Street in San Diego.Police said they will continue investigating but couldn’t release any further details on the incident.Anyone with information is asked to call the National City Police Department at 619-336-4411.   884

NATIONAL CITY, Calif. (KGTV) - A National City crematorium owner denied Friday that human remains were released into the air during a furnace emergency at the facility.National City firefighters responded to a call Thursday afternoon at the Cortez Family Crematorium at 100 W. 35th St, near Interstate 5 and SR-54.A furnace door was open while the system was operating, triggering the building’s heat detectors. A plume of smoke rose from the building and drifted east.A National City Fire captain and the San Diego Air Pollution Control District indicated human remains were released into the air along with chemicals, the crematorium owner disputes the information.Angela told 10News reporter Travis Rice the human remains were covered with a cardboard box at the time of the emergency. The box caught fire due to ambient heat in the furnace and the remains were not burned, she said. Firefighters reset the system, which shut the door and the cremation resumed.RELATED: Crematorium accident sends smoke containing human ashes into the airThe San Diego Air Pollution Control District said there was no public health risk from the smoke.The California Cemetery and Funeral Bureau told 10News it is investigating the situation.10News reporter Travis Rice goes inside the crematorium on 10News at 5 p.m.Cortez Family Crematorium has been operating since 2014 and has no record of violations, state officials said.  1441

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