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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’s reelection campaign plans on holding rallies as part of their plan to challenge the results of the election, according to multiple reports.Trump has not yet conceded in the presidential race, and lawsuits are still pending in at least two states. Axios first reported the campaign planned on rallies being part of their post-election strategy. The large-scale rallies would be focused on the ongoing litigation and vote tally challenges. A Trump campaign official told Fox News that there are no plans for the president himself to attend the post-election rallies. Instead, they “would be grassroots events similar to the boat parades, not presidential rallies.”The campaign also plans on using obituaries of people who allegedly voted, but are actually dead, as evidence of voter fraud. Those obituaries and evidence have not been shared at this time. 885

Researchers from the University of Roehampton in London and the University of Sydney found that kangaroos know how to communicate with humans if they need help.According to the study published in the journal Biology Letters on Wednesday, out of the 11 kangaroos researched, 10 of them gazed at researchers when they were unable to access food during an unsolvable task. Out of those 10, nine of the marsupials would alternate their gaze from the object to the human.In some cases, researchers said, the kangaroos would sometimes even nudge or scratched them to ask for help, said co-author Alexandra Green, according to the University of Sydney.Before the study, researchers thought that only domesticated animals, like dogs, cats, wolves, horses, and sometimes goats, were capable of communicating with humans with an enhanced form of communication.Officials said the study's kangaroos were from various zoos in Australia and are familiar with people but are not considered domesticated. 996

President-elect Joe Biden and his wife, Dr. Jill Biden, will receive an initial dose of Pfizer's COVID-19 vaccine in their home state of Delaware on Monday according to Reuters and PBS.Vice president-elect Kamala Harris will also receive the vaccine later this month, the outlets report.Biden said earlier this week that he would receive the vaccine "sooner rather than later," adding that he didn't want to "get ahead of the line, but I want to make sure we demonstrate to the American people that it is safe to take."It's not yet clear whether Biden would receive his vaccination in a live TV broadcast, as Vice President Mike Pence did on Friday morning.Three other former presidents — Barack Obama, George W. Bush and Bill Clinton — have all independently agreed to be vaccinated in a public setting to instill confidence in the vaccine's safety to the public.This story is breaking and will be updated. 915

President Donald Trump's televised meeting Wednesday with lawmakers on gun control "made for great TV," a National Rifle Association spokesperson told CNN -- but the group was not entertained by the President's apparent sharp turn on policy."While today's meeting made for great TV, the gun-control proposals discussed would make for bad policy that would not keep our children safe," NRA public affairs director Jennifer Baker said. "Instead of punishing law-abiding gun owners for the acts of a deranged lunatic, our leaders should pass meaningful reforms that would actually prevent future tragedies."Lawmakers should focus on "fixing the broken mental health system, strengthening background checks to ensure the records of people who are prohibited from possessing firearms are in the (National Instant Criminal Background Check) system, securing our schools and preventing the dangerously mentally ill from accessing firearms," Baker added.During the meeting, Trump insisted that he is "a fan of the NRA," but he chided Republicans for being "afraid" of the gun lobby. Meanwhile, he expressed openness to measures that the NRA and some Republicans oppose, including raising the age limit to purchase firearms to 21 from 18. The President's remarks left Republicans visibly shell-shocked and Democrats giddy.Trump was skeptical that major gun policy changes would present a political risk, saying it would be "so easy" to harness the 60 votes needed to avert a filibuster in the Senate. And he pointedly dismissed the power of the NRA to derail the effort, telling lawmakers in the room, "They have great power over you people, they have less power over me.""Some of you people are petrified of the NRA," Trump added. "You can't be petrified." 1756