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How to get a really low mortgage rate? Assume the seller’s mortgage, and have a pile of cash

Published Mon, 11 Nov 2024 12:09:09 GMT

There is a way to get a much lower mortgage rate from the past, but it’s complicated, not common and requires what could easily be a six-figure equivalent of a down payment.Assumable mortgages are those that lenders will allow sellers to sign over to buyers, with the existing interest rate and existing remaining balance. Assuming the seller’s existing loan rate would almost certainly mean a much lower rate, depending on when they bought, and it gets the buyer around today’s much higher prevailing rates.Assumable mortgages are allowed in only certain circumstances, and not those loans that are conventional financing. Assumable mortgages can apply to VA, FHA and USDA loans.If a buyer finds a seller able and willing to sign over their existing mortgage, the buyer pays the selling price, which would most certainly be higher than the seller’s remaining mortgage balance.“The buyer has to bring cash to the table to cover that seller’s equity. The hurdle to getting into a situation like tha...

International Ice Hockey Federation to mandate neck guards after the death of a player by skate cut

Published Mon, 11 Nov 2024 12:09:09 GMT

The International Ice Hockey Federation announced Monday that it is making neck guards mandatory for all levels of competition in the tournaments it runs, including the Olympics and men’s and women’s world championships.The mandate would not apply to professional leagues, including the NHL, which currently does not have any cut-proof safety requirements for players.The IIHF’s move comes after American Adam Johnson was killed when his neck was cut by a skate blade during a game in England in late October. The exact date for the new mandates to go into effect is still to be determined, based on the supply of neck guards available amid high demand.The IIHF initially only had neck protection rules for under-20 and under-18 play, so the neck guards were already mandatory in tournaments like the world juniors championship. The organization that governs hockey around the world decided to widen the order based on the recommendation of its medical committee___AP NHL: https:...

20 years after ‘Sideways,’ Paul Giamatti may finally land his first best actor Oscar nomination

Published Mon, 11 Nov 2024 12:09:09 GMT

NEW YORK (AP) — When Paul Giamatti made “Sideways” with Alexander Payne, he stayed in a little house in the middle of a large vineyard. At the end of a day of shooting, he would drive home in darkness, with the hills of Napa Valley around him.Giamatti was then a respected character actor, but this was one of his first times as the lead. And he couldn’t believe it.“I remember Alexander saying, ‘You two guys are going to do it,’” recalls Giamatti of himself and Thomas Hayden Church. “And we were like, ‘Seriously?’”In the years since, Giamatti, 56, has remained a leading man, albeit an unlikely one. His ability to carry a movie is now, well, kind of obvious. That goes for indie gems like “Private Life” and “Win Win” or acclaimed series like “John Adams” and “Billions.”But two decades later, “Sideways” remains lodged in Giamatti’s memory. “I remember every second of making it,” he said on a recent afternoon in Manhattan. Wide as his travels have been since – “Hamlet” at Yale...

The Air Force is expanding a review of cancers for service members who worked with nuclear missiles

Published Mon, 11 Nov 2024 12:09:09 GMT

WASHINGTON (AP) — The Air Force is expanding its study of whether service members who worked with nuclear missiles have had unusually high rates of cancer after a preliminary review determined that a deeper examination is needed.The initial study was launched in response to reports that many who served are now ill. The Air Force isn’t making its initial findings of cancer numbers public for a month or so, but released its initial assessment Monday that more review is necessary. “We’ve determined that additional study is warranted” based on preliminary analyses of the data, said Lt. Col. Keith Beam, one of several Air Force medical officers who updated reporters on the service’s missile community cancer review.The findings are part of a sweeping review undertaken by the Air Force earlier this year to determine if missileers — the launch officers who worked underground to operate the nation’s silo-launched nuclear missiles — were exposed to unsafe contaminants. The r...

Texans snap Broncos' 5-game winning streak

Published Mon, 11 Nov 2024 12:09:09 GMT

DENVER (KDVR) — All streaks come to an end. In Houston on Sunday, Denver’s five-game winning streak came to a Texas-sized halt.“I think they all stink,” said Head Coach Sean Payton on his weekly Monday morning Zoom call. ”The losses do, they just feel that way. You're gonna play 17 games, and man are you going to be gunpowder ready for each one of those? I'm not so sure that you are, and yet in yesterday's game, despite how poorly we started, you’re going to be frustrated and see the multiple opportunities.”The loss ended with a Russell Wilson interception on 3rd-and-goal with nine seconds left leaving the head coach shaking his head a day after. “If that play had a name, it would be chaos,” said Payton. Collins has 191 yards receiving, Ward saves game with interception as Texans beat Broncos 22-17 Sunday’s game was marked by missed opportunities and late-game heroics, leaving Payton to think what could have been. “It’s the details, it’s the little things that have to be better,”...

Theives make off with $900k in cash, jewelry from NW Miami-Dade business

Published Mon, 11 Nov 2024 12:09:09 GMT

A heist captured on camera has left the owner of C4G Jewelers counting the cost after two, possibly three, individuals backed a flatbed tow truck into the business, making away with a safe containing approximately $900,000 in cash and jewelry.Surveillance footage revealed the thieves inside the establishment, skillfully using a tow truck to hook a line around the safe before pulling it through the front door. The meticulously planned robbery unfolded on the 7500 block of Miami Gardens Drive.The perpetrators reportedly initiated their scheme by breaking into a neighboring nail salon around 2 a.m. on Monday. Over the next four hours, they diligently worked to breach the wall connecting the two businesses, gaining access to C4G Jewelers, a cash-for-gold establishment.The store’s owner, Oscar Zegarra, only learned of the incident at 9 a.m. when contacted by the police, as the alarm system reportedly failed to alert him. Zegarra expressed his dismay, particularly during the holiday...

Monkey business with the B-52s at the Miami art shows

Published Mon, 11 Nov 2024 12:09:09 GMT

(CNN) — Spread over a dozen islands off the east coast of central Florida, there’s a huge, but little-known animal sanctuary. Open to the public two days a year, it is the roaming home to 266 chimpanzees rescued from medical research, pet cages and Hollywood productions. It’s also home to dozens of paintings. Not of the animals, but by them, in collaboration with, even more unexpectedly, members of art pop group the B-52s.“Save the Chimps!” explains Kate Pierson, longtime singer with the 80’s-era band, is her passion project, and her devotion to animal welfare goes way back. “In 1988, I got up on the stage at the Animal Rights Music Festival at the Washington Monument holding the hand of a big chimp. It was surreal. I felt a connection.”Pierson, emblematic for her bright red, rocket-ship hairdo, rose to fame with a quartet of performers best known for the song “LoveShack” and a cult-like fan following. The B-52s broke out of the Athens, Georgia, music scene in the late 1970s an...

Jeep crashes into Fort Lauderdale home after driver loses control; 1 injured

Published Mon, 11 Nov 2024 12:09:09 GMT

Chaos ensued on Monday morning when a driver lost control of her car, resulting in a collision with a house located at 2340 SW 36th Ave. in Fort Lauderdale.The incident unfolded as the woman, behind the wheel of a yellow Jeep, veered off course, crashing into a fence before slamming into the residence. Witnesses described the moment as a blur of bright lime green, accompanied by a thunderous crash that resonated like an explosion. “It sounded like a bomb went off,” said one witness. The Jeep reportedly lodged itself into a backyard apartment. “When we arrived on-scene, the Jeep was fully into the back portion of the home,” said Fort Lauderdale Fire Rescue Chief Garett Pingol. “The woman was trapped inside of her vehicle. Crews were able to get in quickly.” Despite being momentarily trapped, the driver was successfully extracted from the car and transported to Broward Hospital. The extent of her injuries remains unknown at this time.Witnesses reco...

House Dems Show Up at State House, Quietly Advance $3.1 Bil Budget

Published Mon, 11 Nov 2024 12:09:09 GMT

In a few minutes, House Democrats on Monday accomplished what they could not during three previous sessions.House Democrats showed up in sufficient numbers to establish a quorum and to prevent Republicans from ending sessions, as the GOP did on Thursday, Friday and Saturday, largely to protest the state’s evolving approach to sheltering migrant families.  With a quorum present, the House, in a rare hand-counted 105-14 vote, sent to the Senate a $3.1 billion fiscal 2023 closeout budget.After the vote, House Speaker Ron Mariano, who has served in the House for more than three decades, could not recall another instance when there was a quorum during an informal House session. The bill includes critical funds to fulfill state employee raises and try to keep pace with elevated emergency shelter demand.“Now it’s over to the Senate. We’ll see when the Senate takes it up, and what their gameplan is, and then we’ll judge when it comes back,”...

In pitch to Shohei Ohtani, how would Blue Jays likely make their case?

Published Mon, 11 Nov 2024 12:09:09 GMT

The first part is obvious. The Toronto Blue Jays are interested in Shohei Ohtani because he’s a historically talented player in his prime.The other side of that equation – why does Shohei Ohtani have interest in the Blue Jays? – is a more interesting question, and finding out what exactly appeals to him about Canada’s lone MLB team and emphasizing those points would be important in any final push for the two-time MVP.As of Monday morning, the specifics of the Blue Jays’ pursuit weren’t clear. At some point last month, they expressed serious interest to CAA, the agency that represents Ohtani. Since then, there’s been enough reciprocal interest for talks to continue alongside pursuits from the Dodgers, Cubs, Angels and possibly others. A small group of finalists met with the two-way star in Los Angeles this weekend, and it stands to reason the Blue Jays were among that group, but their executives have declined to comment.Landing such a meeting with Ohtani would be a necess...