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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

As some companies consider making work-from-home permanent, others see the value in creating a workplace for employees. "We've always been flexible in our workplace, we've always allowed people to work from home if they want, and what we learned is that people do want a place that is their own that we can come into," said Reid Carr, CEO of the marketing agency Red Door Interactive. After years of leasing an office in downtown San Diego, the company wanted to create its own space, designed to foster collaboration and growth."We were excited when we found it, we had a vision for how this whole process was going to go down," said Carr. The company purchased nearly half an acre of property to create a campus-style workplace. But after the pandemic hit, they overhauled the design to ensure it was a space employees not only wanted to go to but could feel safe in.The new campus will incorporate touchless features throughout the buildings, like doors and water bottle filling stations. They're creating outdoor meeting spaces with heaters and shades so that they can be used year-round. And inside, they're investing in the best available HVAC systems for air filtration."I'm learning at all this stuff as we go, but we're looking at hospital grade stuff. The perspective we took is there's always going to be flus and colds, so why not do these things that will help keep people from spreading disease," said Carr. In addition to having their own socially distanced desks, employees will have designated areas separate from visitors, including the kitchen. One building will be the epicenter of conference rooms so they can be easily cleaned more frequently."Certain things never change. You want to feel like you belong to something, you want to connect with people," said Carr. The company plans to break ground on its new campus in early September, with plans to complete the project in April 2021. 1916

AUGUSTA, Maine – Republican U.S. Sen. Susan Collins of Maine has won the hardest-fought race of her career, turning back a challenge by Democrat Sara Gideon and surviving to serve a fifth term.Collins, one of four candidates on the ballot, won a majority of first-place votes. That meant no additional tabulation rounds were necessary under Maine’s ranked choice voting system.Gideon has conceded, telling supporters on Wednesday that she called Collins and congratulated her on the win.Collins long touted herself in the fiercely independent state as a bipartisan centrist who’s willing to work with both parties to get things done.But opponents accused her of being an enabler of President Donald Trump, citing her votes to confirm Supreme Court Justice Brett Kavanaugh and for tax cuts that critics said favored the rich. 832

At first glance, you may not notice what's different about this box of cereal. Maybe it's just one of those special editions that's in stores for a short time. But if you take a closer look you might ask, what's up with that?When Naomi Frierson walked into her local Walmart and down the aisle, her focus was getting her mom a box of her favorite cereal."I just picked it up and I kind of looked at it," Frierson said. "And I figured it was one of those special edition type of boxes. ... I didn't think much of it."But when she got home, her husband noticed."We proceed to look at it further and realize that not only are there mugshots but they're serial killers," Frierson said. "Not the C-E-R-E-A-L kind unfortunately."The box of "Life" cereal is covered with people synonymous with death. Larry, the Quaker Oats mascot is Jeffrey Dahmer. And instead of being made with 20 whole grains, it's made with 20 whole brains."And then on the nutrition panel you've got stuff like instead of cholesterol it says chloroform," Frierson said. "Down here it says cyanide."Frierson said she was creeped out, but her husband loved it."He immediately recognized all of the different players in the game," Frierson said. "And he thought it was just the coolest thing ever and assured me that it must be art."He was right. The box was a class project made by Lauren Miller, a senior art student at the University of South Florida."I kind of just wanted it to blend in with everything else," Miller said. "I took a bunch of pictures that I found online of serial killers and I used Photoshop to add them to the Life cereal box. I just thought it would be interesting to use Life cereals since these people did take away lives."Miller has a large version of the box in her studio but wanted to see how people reacted to this smaller version in the community.Frierson said, "I had people on my personal Facebook when I posted that thing like, 'Oh my gosh I need to have that. How can I get one? Are there more?'"Frierson said she's keeping this box, and Miller is exploring creating more to sell.Miller said she left a note on the box saying it was art and had already been paid for. But for Frierson, the initial jitters and overall experience was well worth the price."I think (it was) three dollars well spent for an interesting piece of art," Frierson said.A creepy class project, taking on a life of its own."I would say a solid 'A' so if you didn't get an 'A' I'll call your professor," Frierson said. 2539

At least five Marines assigned to the prestigious ceremonial Silent Drill Platoon in Washington were placed in pretrial confinement in recent days due to allegations they were involved in hazing at least one Marine at the unit, according to three defense officials.Hearings that took place this week resulted in one Marine being released from confinement but all could still face charges as the Naval Criminal Investigative Service has taken over the matter.The number of alleged victims has not been made public but the allegations came to light when one Marine came forward. Officials say a video had been made allegedly showing some Marines hitting at least one other Marine. It is not publicly known if that victim is the Marine who came forward.The platoon is a 24-man rifle unit that performs a drill exhibition largely in silence. It was founded in 1948 and performed for presidents and top officials as well as communities around the country tossing and spinning 10-pound M1 rifles with fixed bayonets.Multiple performances of the drill team were canceled in recent weeks due to the ongoing investigation, according to officials. The Marines did not publicize the reason for those cancellations or which performances were affected. The Marines said they began an investigation immediately at the unit, before turning it over the NCIS.The unit and the Marines are well known in the Washington community where they reside. In September they gained attention when several Marines ran to a nearby apartment complex to help rescue elderly residents when it caught fire. 1580

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