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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

MORRISON, Colo. — Alex Biagi lived a normal life for 24 years. He was an athlete and loved art and music. But everything took a turn in 2004.Biagi's left hand started to hurt. At first, he was diagnosed with carpal tunnel syndrome. On Thanksgiving eve in 2004, Biagi fell down his stairs."My ankle gave way," Biagi explained. "That's when we knew something else was going on."Biagi lost use of his arms, hands and legs. It took four years for doctors to figure out what was going on. He was later diagnosed with chronic inflammatory demyelinating polyneuropathy. The disease is extremely rare."It affects approximately one to two people in 1,000 per year," said Dr. Robert Schabbing with Kaiser Permanente. "Alex has had a severe case of CIDP." When Biagi was first diagnosed, he gave up on art because his hands simply wouldn't allow it. But three years ago, he saw someone on the internet painting with their mouth."I never even thought about doing it that way," he said. "I finally decided to give it a try."For three years, Biagi has been practicing the unique craft and his paintings continue to get better and better.His latest piece of art is making the rounds on the internet. A picture of him touching up his painted portrait of superstar athlete LeBron James exploded on Reddit. 1346

MILWAUKEE, Wis. – At the beginning of this year, the Tier 1 gaming lounge was taking off. “Business was pretty good,” said Jordan Tian, who was part of the team launching the gaming lounge in Milwaukee. “We had like a decent amount of people signing up, but then we had to close completely.”The video gamer’s dream hangout was forced to close because of the pandemic. “We got government grants, like a decent amount for a very small business, but we didn't want to just sit there and pay expenses and wait until we could reopen,” said Tian of his talented team.So, Tian used his free time to fix up the website for his family’s Chinese restaurant by making a new online system, so customers could directly visit their website to place orders and see the menu.It cut out third party ordering platforms and helped keep his mom’s restaurant alive.“She saved like thousands of dollars every month on online ordering fees and she's like, ‘This is really good. You could probably do this for other businesses.’” That is exactly what Tian did next.Tian and his team built a platform called SmallNeighborhood. It’s a site where you can order directly from local businesses. Then, Jordan decided to design the websites and ordering platforms for those small businesses for free.It's a service restaurant owner Adnan Bin-Mahfouz desperately needed.“Having less people dine in took away close to 75% of our business,” said Bin-Mahfouz.Bin-Mahfouz’s restaurant, O Yeah Chicken and More, was barely scraping by because of COVID-19. He was hoping online orders would flood in with families quarantining at home, but then realized his website was tough to use.“Most of us are operators, we’re chefs who’re really not high tech,” said Bin-Mahfouz.So, Tian revamped the website and Adnan saw sales starting to grow. “This app I see is a long-term solution. It's a partnership. You do feel with them, you are part of a group or part of family,” said Bin-Mahfouz.For every order Adnan gets, Jordan collects a fee up to 99￠ per order, a smaller fee than any other delivery app.“Right now, online ordering platforms, they take so much money that it's hard,” said Tian. “They can lose money on each order, even after the overhead costs and coupons and everything.”It’s making sure both these small businesses can stay open in a year where family owned stores are dwindling.“The small businesses, we are the main spine of the economy,” said Bin-Mahfouz. “These small, poppa mom shops, whether it's a gas station, a restaurant, a laundromat, whatever it is, you know, we are the people.”“In building up small businesses, that's what makes our cities different,” said Tian. “Because if there's only chains and national chains, then everything in town loses its flavor.”Saving the flavor each small restaurant adds to its neighborhood is a mission that means everything to Bin-Mahfouz.“As an immigrant, who moved here 30 years ago to a different country who didn't even speak the language. Now, to have somebody like Jordan, who his parents were immigrants too, so he can feel what are we going through and trying to connect all of us together to serve and give the best service to the end user, definitely is something great,” said Bin-Mahfouz.That togetherness is a beacon of hope when many are feeling alone.“Let’s help each other. Let's build something together, one community at a time, one neighborhood at a time. I need my customers back. I need my family back."And now, Bin-Mahfouz feels more confident his business will survive to see that happen once again. 3549

MORGANTOWN, W.V. – Murder hornets have had their time in the spotlight. Now, scientists say they've discovered “zombie cicadas.”It's a playful name from researchers at West Virginia University, who say they've found that a parasitic fungus, called Massospora, can play mind games on cicadas, causing them to infect others.Researcher showed that the psychedelic fungus can manipulate male cicadas into flicking their wings like females – a mating call – which tempts unsuspecting male cicadas and infects them.The fungus contains chemicals like those found in hallucinogenic mushrooms, according to research published in the journal PLOS Pathogens.“Essentially, the cicadas are luring others into becoming infected because their healthy counterparts are interested in mating,” said Brian Lovett, study co-author and post-doctoral researcher with the Davis College of Agriculture, Natural Resources and Design. “The bioactive compounds may manipulate the insect to stay awake and continue to transmit the pathogen for longer.”The authors of the study compared the effects of the fungus to a “B-horror movie.” Massospora spores gnaw away at a cicada’s genitals, butt and abdomen, replacing them with fungal spores. Then, Lovett says they “wear away like an eraser on a pencil.”Lovett also compared the transmission of the behavior-modifying virus to rabies. He says both rabies and entomopathogenic fungi enlist their living hosts for successful “active host transmission.”“When you're infected with rabies, you become aggressive, you become afraid of water and you don't swallow,” Lovett said. “The virus is passed through saliva and all of those symptoms essentially turn you into a rabies-spreading machine where you're more likely to bite people."In that sense, Lovett says many of us are familiar with active host transmission.“Since we are also animals like insects, we like to think we have complete control over our decisions and we take our freewill for granted,” he said. “But when these pathogens infect cicadas, it's very clear that the pathogen is pulling the behavioral levers of the cicada to cause it to do things which are not in the interest of the cicada but is very much in the interest of the pathogen.”Researchers say cicada nymphs could encounter Massospora in their 17th year as they emerge from the ground to molt into adults or on their way down to feed on roots for 17 years.“The fungus could more or less lay in wait inside its host for the next 17 years until something awakens it, perhaps a hormone cue, where it possibly lays dormant and asymptomatic in its cicada host,” said co-author Matthew Kasson.As grotesque as an infected decaying cicada sounds, researchers say they’re generally harmless to humans. They also reproduce at such a rate that the fungi’s extermination of hordes of cicadas has little effect on their overall population.“They're very docile,” Lovett said. “You can walk right up to one, pick it up to see if it has the fungus (a white to yellowish plug on its back end) and set it back down. They’re not a major pest in any way. They’re just a really interesting quirky insect that’s developed a bizarre lifestyle." 3172

More hot and dry weather coming, are you ready? Looks to be hottest Wednesday through Friday and afternoon highs 10 to 20 degrees above mid October averages #heat #socal #CAwx with some locations near records pic.twitter.com/U4qcSzNDaP— NWS San Diego (@NWSSanDiego) October 10, 2020 296