Cell phone use is also illegal if you are a) under age 18 or b) a bus driver. Neither may use the cell phone or text message while operating a motor vehicle.

Red Light Rule: Motorcyclists, mopeds and even bicycles get to run the red light if your bike does not trigger the light to cycle. You must wait at least two cycles or 120 seconds then you may treat the light as a stop sign and proceed with caution when there is no cross traffic present.

DMV Fees and costs: DMV is charging you when you show up for licenses or renewals. A surcharge of $5 applies if you appear in person for license renewal. The fee is waived if you renew via Internet, phone or mail.

- You must be the owner occupant.

- The loan must be owned/under Fannie or Freddie programs

- You have not been more than 30 days late on a payment in the last 12 months.

- The amount you owe is the same or less than the current value of the home and

- You have income to pay the new mortgage with refinancing improving the long-term affordability of your home. Your lender can give you a good faith estimate of how a refinance will affect you.

Refinancing from an Adjustable Rate Mortgage (ARM) to a fixed rate may also qualify.

You may not get cash from the refinancing and you will not lower your loan amount but you will lower the interest rate and that lowers your payment.

If you are not current or you have a bad payment history then you do not qualify. You may, however qualify for a Home Affordable Modification.