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Press release regarding HRH The Duke of York and DOJ investigation into Jeffrey #Epstein https://t.co/Uw6JbNHP6h— Blackfords LLP (@BlackfordsLLP) June 8, 2020 167

RAMONA, Calif. (KGTV) — Two people were killed in a motorcycle crash east of Ramona on Sunday.The collision happened on Littlepage Road and Old Julian Highway, in the Witch Creek area, just after 2 p.m. between a motorcycle and off-road side-by-side utility task vehicle, often called a UTV, according to CAL FIRE San Diego.The two people riding on the motorcycle were pronounced dead at the scene. Four people riding in the UTV were uninjured.It wasn't immediately clear how the crash happened.10News is monitoring this breaking news. City News Service contributed to this report. 589

RANCHO SANTA FE, Calif. (KGTV) - North County’s Helen Woodward Animal Center will get “pawliticians” involved in Tuesday’s elections with special poll visits by adoptable dogs.The animal shelter will take four puppies to the Rancho Santa Fe library at 17040 Avenue De Acacias to meet voters between 7 and 9 a.m. “The political temperature is tough right now,” said Helen Woodward Adoption Services Manager Ashley Freeman.  “We are hearing that a record-number of people plan to vote tomorrow and that party lines are more sharply drawn than ever before.  It could be tense out there but a cute fuzzy face is something we can all get behind.” Pets are known to lower blood pressure, decrease anxiety, and increase positivity, shelter officials say.For more information on the candiPETS or to apply to adopt them, please visit the center's website, call 858-756-4117 ext. 313 or visit Helen Woodward Animal Center at 6461 El Apajo Road in Rancho Santa Fe. 986

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

RAMONA (KGTV)— Representative Duncan Hunter -R (CA-50) kicked off his Memorial Day weekend in Ramona, at a town hall-style meeting. He and his father, former Congressman Duncan Hunter Sr. - R were guest speakers at "The Border: Then and Now!" event, hosted by a conservative group, American Liberty Forum- Ramona. The elder Hunter remembered San Ysidro during his early years in Congress in the 1980s and 1990s. "The border was a no-man's land. And everybody knows that here, that you didn't go to the border when it was close to being dark," Hunter Sr. said. Border Patrol statistics showed in 1986, San Diego agents apprehended nearly 630,000 people attempting to cross the border illegally. But double-layer fencing dropped that number to close to 32,000 arrests in 2016. They also argued that crime numbers dipped, and the economy boomed in that time. Because of these, both Hunters said they support the President's Border Wall plan. "If you can move troops to Syria, then you can move troops to the border, and build a wall on the border, and say it is in the interest of national security," the current Congressman said. But Friday, a federal judge temporarily blocked the President's plan to transfer military funds to build more border fencing. This was something that the Congressman did not agree with. "His lawyers need to fight it. They need to do it now, and it should go up to the Supreme Court," Hunter said. Hunter also told the audience at Ramona MainStage that he is on board with the President's new merit-based immigration policy. "You get to come here, if you're worth having here," Hunter Jr. said. "I know that sounds mean, but just because you want to come here from another country, doesn't mean you get to."When asked about agricultural and construction jobs, Hunter Jr. admitted that they need to work on special provisions."We understand the needs especially in California and other agricultural states, where they need people to work here, and most Americans don't want those jobs, and they're not going to to do those jobs," Hunter said. "So how do you do that? how do you do it so that the people who are coming here can't be taken advantage of, so they have to go home and check in?" he asked. 2235

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