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MCAS MIRAMAR (KGTV) -- Some Grand Princess passengers quarantined at MCAS Miramar say, what the President said in his address Friday about the quality care on base, is not a reality. According to the San Diego County Public Health department, two female Grand Princess passengers in their 70's have tested positive for the Coronavirus. A quarantined passenger at Miramar told 10News that not only has she not been tested, but the base also seems to be understaffed and chaotic. It was supposed to be a lovely two-week vacation around the Hawaiian Islands. "Another day in paradise… in prison," Karen Lira said.By prison, Lira means, MCAS Miramar. She and her husband Jeff have been there since late Thursday, after eight days of self-quarantine on the Grand Princess cruise ship, floating off the coast of San Francisco. "It was quite the waiting game, which just ramped up everybody's stress," Lira said.She said that stress increased tenfold after the Government diverted their vacation to San Diego. "After we left a ship at five pm, we heard it into a bus, which was a crazy situation and then crammed into a plane. And once we got onto the airport, we were told that there was no pilot for the plane," Lira said. Lira said she was baffled to see President Donald Trump on Friday, address the public on how smooth the transition from the cruise ship to Miramar played out. "We had tremendous success in Oakland, where Vice president Pence did a fantastic job," the President said."It was not smooth. It wasn't a beautiful operation," Lira responded. When they finally got to their room on base around 2 a.m. Friday, they were given a welcome note. It explained that food would be delivered to their rooms three times a day. They were advised to always wear a mask, when they stepped out of their rooms. They were also told to keep a six-foot distance from each other at all times."People found out there was food in another building, and people were going a little crazy," Lira said. "Social distancing, wear masks, stay six feet apart from each other. That went out the window immediately when we got off the ship."Lira said she wants the public to know the truth about their situation. So far, they have not been tested. They haven't even got their temperature taken since arriving in Miramar. She is hoping the situation gets better, so she can get back to Oregon, virus-free."If we are not tested any day soon, when is the clock going to start ticking? We are going to be let out of here?" Lira asked. So far, Lira and her husband are feeling healthy. At this point, they want to get tested, so that a negative result can finally get them home to Oregon. She said she is happy to continue the self-quarantine at home if necessary. 2747

MADISON, Wis. – Donald Trump’s campaign manager Bill Stepien says the president plans to “immediately” request a recount in the battleground state of Wisconsin, which has been called for Joe Biden.With 95% reporting, the Associated Press said Wednesday afternoon that it projects the former vice president will pick up the state’s 10 electoral votes.The AP says it called the state for Biden after election officials in the state said all outstanding ballots had been counted, except for a few hundred in one township and they expected only a small number of provisional ballots.In Wisconsin, if a race is within 1 percentage point, the trailing candidate can force a recount. Statewide recounts in Wisconsin have historically changed the vote tally by only a few hundred votes. Biden leads by .624 percentage points out of nearly 3.3 million ballots counted.Stepien said in a statement Wednesday: “The President is well within the threshold to request a recount and we will immediately do so.”Read Stepien’s full statement obtained by WTMJ: 1049

McDonald's and its franchisees are investing hundreds of millions of dollars into transforming its restaurants across the United States this year and next. 168

Middletown, Connecticut (WFSB) -- A car slammed into Middlesex Hospital in Middletown, Connecticut and caught fire on Thursday morning.According to Middletown Mayor Dan Drew, the act was intentional and that there were gas cans in the car.Drew said in a noon news conference that a man in his 20s crashed into the emergency room entrance and then set himself on fire. He was reportedly at Bridgeport Hospital in critical condition.One person was hurt, according to dispatchers.“I heard a noise," said Gary Mills, an eyewitness. "I was in my room. I put my shoes on and looked out the window and I saw all the smoke coming out. I said 'something is happening over there.' My sister got up. We went outside and we saw all the flames and then over this side I see this guy screaming, he was screaming! I said, that guy's on fire."The Connecticut State Police Bomb Squad has responded, WFSB reported.It happened at the emergency room entrance on Crescent Street around 10 a.m.Mayor Dan Drew posted to social media."At this time, we don't believe there is any threat to the community and we believe this to be an isolated incident," Drew said.The hospital is in "emergency operations mode," hospital officials said.The Life Star emergency helicopter was dispatched to the scene.However, it's unclear how serious the person's injuries are.WFSB saw the emergency room door pushed in with the car inside as well as shattered glass.Several fire departments were called for mutual aid.  1494

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

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