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Lowe's is slimming down to better compete with Home Depot.The company, which recently hired Marvin Ellison away from JCPenney to be its CEO, said it is shutting down its Orchard Supply Hardware stores and plans to slash inventory at its Lowes stores.The home improvement retailer did report earnings that topped forecasts on Wednesday, thanks to a healthy housing market. Shares surged more than 7 percent in early trading on the news.But Lowe's cut its sales and profit outlook for the year.The retailer is playing catch-up to industry leader Home Depot, which just last week reported strong results. 614

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

Lucy McBath never imagined she'd run for Congress. In a way, she wishes she didn’t feel she had to.  “I really wish that Jordan were here; I really wish that,” says McBath, who lost her teen son to violence. “I would have been watching him graduate from college and go on with his life.”Six years ago, McBath was working as a flight attendant, thinking about retirement, when her 17-year-old son Jordan was shot and killed.A man fired into the car he was sitting in with his friends at a gas station after an argument over loud music.McBath had only thought about gun laws, one time before her son’s death. It was when Trayvon Martin was shot and killed.“But upstairs, Jordan said to me, ‘Mom, that's not going to happen to me. Mom I’m going to be good.’”After Jordan’s death, McBath became a gun safety advocate, speaking with lawmakers and groups across the country.But it wasn't until the shooting at Parkland that she considered a life in public office.“And all I kept thinking is that these kids are standing up,” she says. “Why are they the ones that are having to fight for their lives?”With no experience or resources, the idea of running was scary. However, McBath said she turned to faith to move beyond her fear.“I believe if I’m in God's will and I’m doing what he's calling me to do, then I have to move beyond the fear.”McBath won the Democratic Primary, then the runoff. Now, she's facing incumbent Republican Karen Handel in a close race for the 6th Congressional District seat that's long been held by a Republican.McBath says her son is with her every step of the way. 1599

Michael Cohen, the former personal attorney for President Donald Trump who is now a key witness in special counsel Robert Mueller's Russia investigation, was under the impression Trump would offer him a pardon in exchange for staying on message in support of the President in discussions with federal prosecutors, according to two sources.After a?March 2018 visit to Mar-a-Lago, the President's private club in Florida, Cohen returned to New York believing that his former boss would protect him if he faced any charges for sticking to his story about the 2016 payments to adult film actress Stormy Daniels, according to one source with knowledge. Trump was also at Mar-a-Lago at the time of Cohen's visit.Another source said that after the April 2018 FBI raid on Cohen's office and home, people close to the President assured Cohen that Trump would take care of him. And Cohen believed that meant that the President would offer him a pardon if he stayed on message. It is unclear who specifically reached out to Cohen."The President of the United States never indicated anything to Michael, or anyone else, about getting a pardon," said Rudy Giuliani, the President's attorney. "Pardons are off the table, but it's not a limitation on his power in the future to pardon in any case."Cohen's lawyers could not be reached for comment.Following the raid on Cohen's home and office, Cohen's attorneys had a legal defense agreement with Trump and his attorneys. During this time, there was a steady flow of communication between the two sides, according to two sources familiar with the matter.At first, publicly, Trump seemed very supportive of his former attorney. On the day of the raid, Trump said Cohen was "a good man" and that the investigation reached "a whole new level of unfairness." He unloaded on law enforcement, calling the raids "a disgraceful situation."But in the days that followed the raid, one source says, things started heading south with the President.Trump started to distance himself from Cohen. And when Trump appeared on "Fox and Friends" two weeks after the raids and said that Cohen only did a "tiny, tiny little fraction" of his legal work, Cohen knew the game had changed. According to one source, Cohen knew that things had changed and he acted to protect his family -- and himself.It couldn't be learned whether Cohen shared this information with Mueller, though Cohen has spent more than 70 hours providing testimony over the last several months.These developments represent an extraordinary reversal of fortunes for Trump and Cohen, who once boasted he would "take a bullet" to protect his longtime boss. But since then, Cohen implicated Trump under oath in the illegal hush-money scheme with Daniels. If Cohen did share this information with Mueller's team, then it could be used as part of the obstruction of justice probe in determining whether the President was trying to illegally influence a witness in the investigation.Cohen pleaded guilty on Thursday to lying to Congress about the Russia investigation. Earlier this year, he pleaded guilty to eight criminal counts relating to the Daniels hush-money scheme and tax fraud from his personal business dealings. 3231

Marine Sergeant Richard Murphy was missing in action for more than seven decades in a World War II battle on the Pacific front.Murphy’s amphibious landing craft got stuck on a reef and everyone had to abandon ship to get to shore. He stayed behind to help another wounded Marine."That’s when shell fire came in and blew up the craft and Uncle Richard and his fellow marine were never seen again alive," said Jerry Murphy, Richard’s nephew.Jerry and his cousin Jeanne Robinson’s DNA were used to identify Richard’s remains that washed up on the beach in Sia Pan in 1944. Jerry, along with his cousins, had never met Sergeant Murphy, yet the family bond is strong."It’s an amazing family experience it’s got us all here together," said Jerry.Sgt. Murphy had more than just his duties as a fighting Marine."Uncle Richard, in addition to carrying his pack as a marine and his M-1 rifle, had a typewriter with him because he was a war correspondent," said Jerry.Funerals are usually a solemn occasion."But this is a celebratory time,"Jerry said. "It’s a happy and upbeat type of event and so extraordinary."Robinson is Sgt. Murphy’s niece and never met her uncle but was well aware of his military achievements. "He was always with us. He was that handsome Marine looking out of the picture frame, he was that empty chair at Thanksgiving, he was always the person we heard stories about," said Robinson.And the man of those stories is home where the family finally could reach out and touch their uncle — a Marine, an American, a hero. One of Sgt. Murphy’s last correspondents home was to his mother. "He said, 'you know, I don’t want to die but I’m not afraid to die for my county' and that just makes us oh so proud of Uncle Richard," said Jerry.Sgt. Murphy will now spend eternity on American soil, right next to his mother.   1877

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