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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

RANCHO SANTA FE (CNS) - In the wake of COVID-19 shutdowns, the Helen Woodward Animal Center will launch online educational programming for children stuck at home.The center's Humane Education department will stream baby animals from 9 a.m. to 3 p.m. Monday through Friday, with a focus on a new animal every hour.Helen Woodward Animal Center has offered humane education programs dedicated to appreciating animals since its founding. The center also runs a pet encounter therapy program."The enormous growth of adoptions is based on the undeniable way pets create a happier, more loving home," center spokeswoman Jessica Gercke said. "With this in mind, Helen Woodward Animal Center is dedicating this time to bringing the gifts of animals into the homes of friends, supporters, and animal-lovers struggling with social distancing."In order to take precautions against the COVID-19 pandemic, all on- site humane education programs at the center are closed until April 6.A live stream of the animals, including puppies, rabbits, baby goats and parrots, can be viewed at animalcenter.org/programs-services/education/critter-cam. 1134

Rent the Runway announced on Friday that they would not be reopening their stores.In a blog post, the clothing rental company said they would focus on expanding their drop-off box program, with their New York flagship store turning into a drop-off-only site. According to the company's website, its locations in San Francisco, Washington D.C., and Chicago are permanently closed.The stores were used for customers to drop off items and swap out for whatever they needed."With customers in 76% of US zip codes and RTR stores in only 5 of them, less than 15% of our customers were served by our stores — but the drop-off capability was so loved by them," the company said in the blog post. "That’s when we knew we had to bring this convenience to even more customers by expanding our Drop-off Box network through key partnerships and retailers."In 2018, the company partnered up with WeWork, Nordstrom, and West Elm as they expanded their return program.Back in March, due to the coronavirus pandemic, the company laid off all of its retail staff "to safeguard the future of our staff and business." 1105

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

RALEIGH, N.C. – The state of North Carolina has reported its first case of a dog testing positive for the novel coronavirus and the canine sadly died.The North Carolina Department of Health and Human Services (NCDHHS) says the dog’s owner brought it to the NC State Veterinary Hospital on Aug. 3 after it showed signs of respiratory distress earlier in the day. It then succumbed to its "acute illness."The owner told staff that a member of the family had previously tested positive for COVID-19 and later tested negative, according to NCDHHS.Officials say samples were then collected from the dog and tested for the SARS-CoV-2 virus. The tests later confirmed the pup was positive for the virus.A necropsy has been performed on the dog to try to determine the anima’s state of health at the time of the death and the cause of death, but the investigation in ongoing.“Based on the information available, the risk of animals spreading the virus to people is considered to be low,” said Dr. Carl Williams, State Public Health Veterinarian.NCDHHS says if pet owners are concerned about the health of their dogs, they should contact their veterinarian and discuss the symptoms before bringing them to the veterinarian office.The Centers for Disease Control and Prevention (CDC) says there currently is no evidence that pets play a significant role in spreading the coronavirus.“There is no indication at this time that dogs can transmit the virus to other animals, so there is no justification in taking measures against companion animals that may compromise their welfare,” said State Veterinarian Dr. Doug Meckes.The CDC says it’s still learning about the virus, but it appears that it can spread from people to animals in some situation, especially after close contact with a person with COVID-19. There are still only a small amount of reports of this happening.Click here for information about protecting your pets from possible SARS-CoV-2 infection. 1959