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Meghan Markle's father, Thomas Markle, has reportedly said he will not attend his daughter's wedding to Prince Harry, prompting speculation over who will walk her down the aisle on Saturday.It's the latest in a series of challenges for the royal couple who announced their engagement last November, and are due to tie in the knot in front of a worldwide audience at St. George's Chapel in Windsor.From controversy over the photos to racist online abuse, here are the issues Meghan and Harry have had to deal with on their way to the aisle. 547

MACIZO DE PE?AS BLANCAS, Nicaragua (AP) — The devastation caused by Hurricane Iota is becoming clear as communications are restored after the second Category 4 hurricane in two weeks to blast Nicaragua’s Caribbean coast.The official death toll rose to 16 in Nicaragua with victims swept away by swollen rivers or buried in landslides. Iota struck Monday evening as a Category 4 hurricane, hitting nearly the same location as Hurricane Eta two weeks earlier. By early Wednesday, Iota had dissipated over El Salvador. But the storm’s torrential rains remain a threat.Iota came ashore along almost exactly the same stretch of Nicaragua’s Caribbean coast that was devastated by an equally powerful Hurricane Eta just 13 days earlier.Iota had intensified into an extremely dangerous Category 5 storm during the day Monday, but the U.S. National Hurricane Center says it weakened slightly as it neared the coast late Monday and made landfall with maximum sustained winds of 155 mph (250 kph).Eta’s torrential rains saturated the soil in the region, meaning Iota's rains have nowhere to go and could cause deadly landslides. 1125

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

Madonna says she meant no d-i-s-r-e-s-p-e-c-t when she shared a story about her connection to the late Aretha Franklin during the MTV's Video Music Awards on Monday night.Madonna said she was asked to present the award for video of the year at the VMAs and told to "share any anecdotes I had in my career connected to Aretha Franklin." But she did "not intend to do a tribute to her," according to a post the singer shared on Instagram."I shared a part of my journey and thanked Aretha for inspiring me along the way. I did not intend to do a tribute to her!" Madonna wrote. "That would be impossible in 2 minutes with all the noise and tinsel of an award show. I could never do her justice in this context or environment." 751

March 11 was a day many Americans will remember. It was the when the World Health Organization declared the coronavirus a pandemic. That same day, the NBA suspended its regular season. It is also when President Donald Trump suspended non-essential travel between Europe and the United States.The world was changing quickly.Earlier in the day, the NCAA announced that its upcoming NCAA Tournament would only be played in front of a TV audience. Conference tournaments continued on that evening, but there was uncertainty on whether they would continue.The next day, the NCAA ended the college basketball season.On Wednesday, college basketball will resume, and in many ways, the situation around the coronavirus has not improved since that March day. On Tuesday, more than 2,000 people died from the coronavirus, and there are currently 88,000 hospitalized with COVID-19, according to the COVID Tracking Project.Despite the challenges of playing amid a pandemic, a majority of Division I college basketball programs are set to start the season, with the first games being played on Wednesday.It probably comes as no surprise, but the virus has already played havoc with the schedule.Games involving six Top 25 teams have been postponed or canceled for Wednesday. The most notable matchup canceled for Wednesday is the game between No. 2 Baylor and No. 18 Arizona State. Arizona State will instead play Rhode Island.College basketball is also working around government regulations. For New Mexico State, the basketball program picked up and moved to Arizona due to local restrictions.While dozens of games have been scrapped for Wednesday, the majority of scheduled contests are expected to go on, but before few if any fans in attendance. 1745

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