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MGM, Universal and Bond producers, Michael G. Wilson and Barbara Broccoli, announced today that after careful consideration and thorough evaluation of the global theatrical marketplace, the release of NO TIME TO DIE will be postponed until November 2020. 262

MIAMI, Florida — The pedestrian bridge under construction near Florida International University was supposed to enhance safety — letting walkers and cyclists cross a busy eight-lane street with less worry after a vehicle last year struck and killed an FIU student.Instead, it collapsed Thursday, months before it was to open, crushing cars below, killing at least six people and leaving investigators with the difficult task of trying to figure out why it happened and who might be held responsible."If anybody's done anything wrong, we'll hold them accountable," Florida Gov. Rick Scott said. 606

Microsoft founder and billionaire Bill Gates says he should pay more in taxes and that the government should require other superwealthy people like him to contribute "significantly higher" amounts."I need to pay higher taxes," Gates, who is worth over billion, said in an interview with CNN's Fareed Zakaria on Sunday."I've paid more taxes, over billion, than anyone else, but the government should require the people in my position to pay significantly higher taxes," he said.  499

Migrants scared, not knowing what to expect as they reached their destination, the San Ysidro Port of Entry, requesting asylum. Hundreds of people chanted as they approached the border with their families, including young children. They traveled thousands of miles from Central America with hope for a better life in America.One young man told 10 News he was fleeing violence, saying police attacked him and stole from him. He hopes for more opportunities, like a job and education in the U.S.Alfonso Rosales saw the migrants as he came over the border, saying in Spanish, they were excited and happy, cheering that they've reached their goal.Several immigrants told 10 News in Mexico they were scared, afraid what the process would entail and of being turned away.One father, Pedro Ismael Varela, said he's worried about being separated from his young son.At the border agents stopped the caravan saying they were at capacity. Members of the group say there's about 20 people waiting at the door for their turn, and the rest of the group waiting in Mexico.The port of entry is a 24 hour operation, and will be open overnight to process people wanting to come through the border."A lot of them get detained, some of them not, that’s the next step, it’s case by case," Alor Calderon, Director of Employer Rights Center said. He added that his role at the border was an "observer" to ensure the migrants are being processed fairly and appropriately.He said those in the caravan understand they could end up in a detention facility, and they're okay with it, "Yes because they’re they’re escaping what they feel is death and escaping what they think is a life without possibilities." 1728

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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