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President Donald Trump’s campaign website was hacked on Tuesday evening, according to a campaign spokesperson.Tim Murtaugh, the campaign’s director of communications, said that the website has since been restored.“Earlier this evening, the Trump campaign website was defaced and we are working with law enforcement authorities to investigate the source of the attack,” Murtaugh said. “There was no exposure to sensitive data because none of it is actually stored on the site. The website has been restored.Earlier in the evening, New York Times cybersecurity reporter Nicole Perlroth tweeted a picture of the campaign the website while it was hacked. 658

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

Restaurants in Los Angeles County will be open for delivery, take-out and drive-thru services only for three weeks beginning Wednesday in the hopes of preventing the spread of COVID-19, according to The Los Angeles Times and KABC-TV.Restaurants, bar, breweries and wineries in LA County had been open with outdoor seating only. However, officials have moved to restrict all in-person dining as cases in the county have spiked in recent weeks — just as they have across the country.Breweries and wineries can continue selling alcohol in a retail setting."To reduce the possibility for crowding and the potential for exposures in settings where people are not wearing their face coverings, restaurants, breweries, wineries and bars will only be able to offer take-out, drive thru, and delivery services," the county's Department of Public Health said in a news release. "Wineries and breweries may continue their retail operations adhering to current protocols. In person dining will not be allowed, at minimum, for the next 3 weeks."The restrictions came after county officials warned that further action would be taken if the county's five-day average of daily cases rose above 4,000 a day. KABC-TV reports that on Sunday, the four-day average sat at 4,097 a day.The restrictions threaten countless restaurant owners in the Los Angeles area, as well as the thousands of people those owners employ. Several restaurant owners told The Los Angeles Times that the restrictions come just as they were expecting a boost in business for the holidays. Some business owners say they are still paying off renovations implemented to expand outdoor dining.In the last week, California has reported about 11,000 new cases of COVID-19 each day — a record since the pandemic began. 1774

Recreational marijuana is now legal in Michigan after voters passed Proposal 1 during the midterm elections on Tuesday.The proposal was one of the most-talked-about issues on the ballot. It allows anyone 21 and older to legally carry 2.5 ounces of marijuana. “Obviously the results of today’s election were not what we hoped for. It is important to note that more Michiganders voted no on Proposal 18.1 than on the other two proposals," a spokesperson for Healthy and Productive Michigan said.The group was against proposal 1."While our side lost tonight, it is important to recognize the level of responsibility that now rests on the shoulders of those who have voted Yes," the spokesperson said. Michigan is now the 10th state in the United States and Washington D.C. that has legalized pot, but marijuana is still illegal when it comes to federal agencies.Anyone 21 and older living or visiting the state will be able to buy, possess and use marijuana and/or marijuana-infused edibles in the state. They can also grow up to 12 marijuana plants in their homes for personal use.The restrictions on that include a 10-ounce limit for marijuana kept at home and anything over 2.5 ounces to be in a locked container. There would also be a state licensing system through the Department of Licensing and Regulatory Affairs, which would cost the state millions of dollars to create. It would also be subject to a 10 percent excise tax for implementation costs, clinical trials, schools, roads and more.According to a report from the non-partisan Senate Fiscal Agency, recreational marijuana could bring 2 million in tax revenue by 2023.The plan would also change some marijuana-related crimes to civil infractions. 1734

President Donald Trump suggested on Saturday he's done confronting Russian President Vladimir Putin over his country's election meddling since it's insulting to the Russian leader.Trump said he took Putin at his word that Russia did not seek to interfere in the US presidential election last year, despite a finding from US intelligence agencies that it did. The fraught relations between the two leaders was underscored anew when Putin's spokesman said election meddling did not come up when they spoke, even though Trump said it did.And he stressed that bigger issues persist between the United States and Russia that require the two leaders to move on. 663

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