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MARTIN COUNTY, Florida — As early as next week, you could start to see an improvement in the water quality in Martin County.Officials plan to start cleaning up some of the areas most impacted by algae. They hope to give residents some relief from the sight and smell of the algae and help the estuary recover from its damaging effects.Martin County Ecosystem Division Manager John Maehl said because the county declared a local state of emergency earlier this week, it can more quickly obtain grant funds from the Department of Environmental Protection to pay for and expedite clean up efforts.The plan is to get contracted clean up crews on the water early next week, possibly by Tuesday. Even before declaring the state of emergency, county officials had been interviewing and researching companies with technology they say can clean up the algae, without creating more harm to the environment.By next week, Maehl said at least a couple are prepared to get to work.In at least one case, they would be vacuuming the algae from the water.Exactly where the clean up will happen is unclear, but Maehl said the county has been surveying the area, looking to create a priority list of the places they will send crews to first.That could be areas such as Central Marine, typically hit hard by the thickest of the algae.“The really nasty stuff, try to get that out and take away the most noxious component of this and then let the estuary do its thing. The estuary is remarkably resilient,” Maehl said.This is the first year the county has taken on algae clean up effort, so it is a learning experience.“It’s a really complicated issue with a lot of different solutions and really the approach we’re taking is we’re throwing a lot of stuff against the wall and see what sticks,” Maehl said.Stuart resident Teresa Cooper is among those glad to see action being taken.She lives right along the water and can smell the stench of the algae while walking her dog.“I don’t walk him over there, so I just kind of keep him on the side, because it’s bothering me, I’m sure it’s bothering him,” Cooper said. “It hurts your throat and just smells very bad."Maehl said the county also hopes, by next week, to place booms in strategic areas to hold and collect algae. That could include putting a boom in canals leading to the St. Lucie Estuary to keep algae from flowing into the waterway.Maehl is not sure if the cleanup will last for weeks or months. 2457

Many businesses across the country have been working to safely reopen their offices. From disinfecting desks to implementing social distancing guidelines, some employers are learning it still might not be enough to bring people back to their desks."There are people who have fears of returning back to work due to safety concerns. Maybe they might be at a higher risk due to a compromised immune system or someone else within their family so they have some concerns about returning. Some employees don’t want to return-- and some employees want to continue to work from home when they were able to do it during this period of COVID," says Amber Clayton, the Knowledge Center Director at the Society for Human Resource Management.Clayton says some reasons for an employee refusing to come back to the office are protected under law. For example, if the employee, or someone the employee lives with, has underlying health conditions that would make them at higher risk for being affected by COVID-19, or they're unable to return due to childcare reasons. Employment lawyers like Ruthie Goodboe agree, citing OSHA and the National Labor Relations Act."An analysis needs to be done by the employer to determine, ‘Am I able to separate that employee if they’re unwilling to return to work, am I required to do or take certain steps’ and then if I do that and they still don’t come to work, do I have a right to separate them," said Goodboe, an employment lawyer with Ogletree, Deakins, Nash Smoak & Stewart.Employers must also make sure they're following regulations under the Americans with Disabilities Act and Family Medical Leave Act."If employers are following guidance from the CDC and from OSHA and limiting their exposure in the workplace, that should be satisfactory. However, there may be times that someone may be infected in the workplace and that employer may be held liable depending on the situation," Clayton said.But for those employees who simply have a general fear of COVID and despite any accommodations the business is taking, still don't feel comfortable coming back to work, it may be a breaking point."There's no federal or state laws that I’m aware of that requires an employer to provide leave based on someone’s fear that they may contract some type of disease whether it’s COVID-19 or something else. But employers should, through their policies and practices, determine what they’ve done in the past and ensure they’re being consistent and fair in their policies," says Clayton.Perhaps the biggest key for employers and employees in getting through this is communication."Stay calm, take a breath and make sure you’re communicating well with your employees to get all of the information. Do you understand what all of their concerns are? Because once their concerns are understood, it may be easy to resolve," says Goodboe.Employees and employers could ultimately find a mutually agreeable working situation to keep everyone comfortable and healthy at work. 2994

Millions of people are still unemployed in the United States. On one hand, the unemployment rate has been going down since its peak in June. On the other hand, it’s still almost triple what it was before the pandemic.“I just never anticipated this is where we would be in September,” said Bridget Altenburg, president of the National Able Network.For 40 years, the National Able Network has been helping people find work. But in the past six months, it has been working overtime on that. The organization has been getting roughly 100 calls for employment help a day, serving more than 10,000 people since March.“It is scary for the people that we are talking to,” said Altenburg. “It’s scary for them because we thought it would be a month or two months of unemployment, and here we are, basically six months later, trying to help people navigate who’s hiring.”Altenburg has two key pieces of advice for anyone unemployed right now. One, she is emphatic that there are employers out there hiring.“There are employers that are desperate for people,” said Altenburg. “So, don’t immediately assume that there is nothing out there, so I might as well not look.”Secondly, Altenburg recommends anyone unemployed take a moment to figure out potential jobs in current high-demand fields and think creatively about how your current skill sets apply to those potential jobs.“Don’t sell yourself short in terms of what makes you uniquely qualified for that role,” she added.For example, you wouldn’t think of a restaurant worker having a unique skill set to be a good fit in the IT field, but the National Able Network has been training them to switch over and IT employers are flocking to recruit these workers.“People who have been servers intuitively know customer service in a way that I could never teach somebody that is in IT,” Altenburg explained.In addition to the National Able Network, there is also about 2,400 government-funded American Job Centers nationwide offering free career and job hunt services. In addition, most public libraries, even many community colleges, are offering free resume and some career services help as well.“At Lyft, when we think of the way we can make on communities, we think about how we can use transportation to do so,” said Lisa Boyd with Lyft.The ride-share company has even jumped in to help the millions on the job hunt. It is providing free rides, now in 20 cities, to people going to and from job interviews, job training, and even free rides to work until they get their first paycheck at their new job.The program started in 2019, but at the beginning of the pandemic, Lyft expanded it to help with the increased need.“We have a job access hub on our Lyft website,” said Boyd. “That will help you be able to go in and sign up on a form.”Anyone in need of the free ride while you job hunt or start a new job can go to Lyft's Job Access Page on its website. All you have to do is provide info on where you live, what kind of help you need, and the site will connect you with your local United Way or Goodwill. The two partner organizations actually distribute Lyft’s free rides, and they both offer additional free career services help. 3184

Melania Trump, nearly 16 months into her tenure as first lady, has at last revealed her formal platform: "Be Best." The comprehensive program will focus on three main points -- well-being, fighting opioid abuse and positivity on social media -- and is the culmination of the past several months of Trump's various public events, all of which centered around helping children."As a mother and as first lady, it concerns me that in today's fast-paced and ever-connected world, children can be less prepared to express or manage their emotions and oftentimes turn to forms of destructive or addictive behavior such as bullying, drug addiction or even suicide," she said during a Rose Garden event Monday."I feel strongly that as adults we can and should be best at educating our children about the importance of a healthy and balanced life," the first lady said.Trump has in recent weeks experienced a significant surge in support, a new CNN poll revealed Monday, including among women and Democrats.In a poll conducted by SSRS last week, 57% say they have a favorable impression of Trump, up from 47% in January. This is the biggest number Melania Trump has experienced in any CNN polling, and higher than any favorability rating earned by President Donald Trump in CNN polling history going back to 1999.Twenty-seven percent of respondents have an unfavorable view of the first lady.The platform pillars she revealed during her 10-minute speech in the White House Rose Garden include well-being, encompassing healthy living as well as emotional health; opioid abuse, including bringing awareness to neonatal abstinence syndrome and emphasizing the importance of healthy pregnancy; and social media, where Trump plans to encourage kids to use the internet in positive ways, tamping down cyberbullying and negativity.The last of these issues has been a lightning rod of controversy for Trump, whose husband is perhaps one of the most public, and prolific, offenders of name-calling on Twitter.Sitting in the front row, feet from his wife at the podium, the President listened as the first lady cautioned against using the very behavior Trump displays, sometimes on a daily basis."As we all know, social media can both positively and negatively affect our children. But too often, it is used in negative ways," said Trump. "When children learn positive online behaviors early on, social media can be used in productive ways and can affect positive change."Asked about the President's online behavior earlier Monday, White House press secretary Sarah Sanders rejected the suggestion that he has fostered a climate where cyberbullying exists."I think the idea that you're trying to blame cyberbullying on the President -- when it comes to kids this is something that has been problematic and something that we have seen over the last decade," Sanders said.At the end of the event, Trump did not take questions, and her spokeswoman indicated the first lady will not be doing any interviews. Trump's only one-on-one televised interview as first lady was with CNN last year in China. 3102

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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