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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

President Donald Trump Saturday threatened to withhold federal aid from California to assist with relief from wildfires burning up and down the state.Trump blamed the state's "poor" forest management for the devastation caused by the wildfires."There is no reason for these massive, deadly and costly forest fires in California except that forest management is so poor. Billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!" Trump tweeted. 547

Question-and-answer website Quora warned late Monday that hackers gained access to the personal data of as many as 100 million of its users.Quora discovered on Friday that one of its systems had been hacked by "a malicious third party," CEO Adam D'Angelo said in a blog post.The compromised information includes users' names, email addresses and encrypted passwords as well as data from social networks like Facebook (FB) and Twitter (TWTR) if people chose to link them to their Quora accounts.The hackers also obtained details about users' activity on Quora, such as questions, answers, upvotes and downvotes. But anonymously written questions and answers were not affected by the breach."The overwhelming majority of the content accessed was already public on Quora, but the compromise of account and other private information is serious," D'Angelo said.The site is now notifying affected users and logging them out."We believe we've identified the root cause and taken steps to address the issue, although our investigation is ongoing and we'll continue to make security improvements," D'Angelo said.Quora bills itself as "a place where you can ask questions you care about and get answers that are amazing."People can post a question to the platform like "What are some amazing facts about Apple, the company?" or "What is the ultimate sandwich?" — and see what answers other users come up with.The site's data breach is the latest in a series of high-profile hacks. 1493

President Donald Trump sent well wishes to Supreme Court Justice Ruth Bader Ginsburg, who was hospitalized Thursday after fracturing three ribs, while also pointing out their political differences."I wish her well. She said something very inappropriate during the campaign, but she apologized for it," he told reporters."I wouldn't say she's exactly on my side, but I wish her well I hope she gets better and I hope she serves on the Supreme Court for many years," Trump added.Ginsburg apologized for comments she made during the 2016 election calling Trump a "faker.""He is a faker," she told CNN's Joan Biskupic of the then-presumptive Republican presidential nominee. "He has no consistency about him. He says whatever comes into his head at the moment. He really has an ego. ... How has he gotten away with not turning over his tax returns? The press seems to be very gentle with him on that."Ginsburg said in July she hopes to stay on the bench past 2020."I'm now 85," Ginsburg said. "My senior colleague, Justice John Paul Stevens, he stepped down when he was 90, so think I have about at least five more years."She was not present at Thursday's investiture of Justice Brett Kavanaugh, Trump's appointee confirmed last month that gave the court a solid 5-4 conservative majority.The-CNN-Wire 1305

President-elect Joe Biden says it is important that President Donald Trump attend his inauguration only in the sense that it would demonstrate the nation’s commitment to a peaceful transfer of power between political rivals.Trump aides have expressed skepticism that the president would attend Biden’s Jan. 20 inauguration. Trump has continued to falsely claim victory and spread baseless claims of fraud to try to explain away his loss.Speaking Thursday to CNN, Biden said, “It is totally his decision.” He added, “It is of no personal consequence to me, but I think it is to the country.”Biden lamented Trump’s refusal to concede, saying, “These kinds of things happen in tin-horn dictatorships."He said he hoped Trump would attend the inauguration to set an example to other nations on the democratic process. 820