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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

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

Meghan Markle will make a striking feminist statement in her wedding to Prince Harry on Saturday, choosing not to be chaperoned for much of the procession down the aisle of St. George's Chapel, Windsor, CNN has learned.In an unprecedented step for a royal bride in the UK, Markle will walk unescorted down the aisle of the chapel nave, after being met at the West Door by a member of the clergy. She will be accompanied in this first part of the wedding procession only by her bridesmaids and page boys, with the senior church figure walking ahead.Prince Charles will join her when she reaches the Quire, where the main royal guests will be seated. The Prince -- Harry's father -- will walk Markle down the Quire aisle to the foot of the altar. 752

Many Thanksgiving traditions will likely change this year for many Americans, as health officials warn people against having large gatherings.Food and grocery experts preparing for the holiday are also noticing some new trends when it comes to that traditional Thanksgiving meal."We are definitely seeing turkeys selling in smaller portions, so people aren’t buying whole birds. We anticipate Americans are going to be buying smaller parts like wings, legs, cutlets. We definitely saw that going up in Canada, so we expect the same here," said Instacart trends expert Laurentia Romaniuk.Romaniuk says they first looked at buying trends for the Canadian Thanksgiving, which occurs in October. They found people aren't just buying smaller turkeys, but also choosing to make healthier sides."We're seeing customers go after a lot of healthier alternatives. This includes things like chickpea-based pasta, instead of regular pasta. So, a classic Thanksgiving dinner might include mac and cheese, and this year, we’re seeing Banza, which is a brand that makes chickpea-based pasta, go up by 333 percent, and actually, we’re ready starting to see that take off," said Romaniuk.And some people may not even want to cook their Thanksgiving meal at all, especially if they're having a smaller celebration than normal.Milton's Cuisine and Cocktails in Georgia is prepping more than 400 turkeys this year for their gourmet Thanksgiving dinner with all the fixings to go."We do an apple brined and smoked turkey; they are 12 to 14 pounds. We say it feeds six to eight people. It comes with sage-corn sweet bread which is our version of dressing and then a Madeira turkey gravy," explained Derek Dollar, Milton's executive chef and managing partner.This year, Dollar says, getting a Thanksgiving meal to-go is a good way to support a restaurant this year. He believes more restaurants will continue to close their doors for good because of the pandemic, and any support is appreciated."People are definitely jumping on board. Luckily, we were ahead of the curve and we’ve already done it," said Dollar.However you decide to eat your Thanksgiving meal this year, Dollar advises to not wait until the week of Thanksgiving to make your decision."We pre-ordered just to get it allocated, and big corporations aren’t ordering extra like they normally do. My people are telling me that there’s larger birds left, which is what you’re saying is not the trend, and I think if people wait too long like the week of Thanksgiving, they might not be able to get one at the grocery store or anywhere else, unfortunately," said Dollar. 2616

Michigan Gov. Gretchen Whitmer announced Sunday evening measures to try and slow the growing spread of COVID-19 in her state.In a press conference Sunday evening, Whitmer and state health officials announced a "Three-Week Pause" aimed at mitigating the spread of the virus.Between Nov. 18 and Dec. 8, the state will mandate that the following operations be closed:In-person learning at high schools, colleges and universitiesTheaters, stadiums and arenasAll who are able to work from home will be required to do soDine-in restaurants and barsOrganized sports, except professional sportsBowling centers, ice skating, indoor water parksBingo halls, casinos, arcadesGroup fitness classesSeveral businesses will remain open, according to the state, including:Hair salons, barbershops and other "personal services"Gyms and pools for individual exerciseRetail storesPreschool through 8th gradeChildcarePublic transitManufacturing, construction, other work that is impossible to do remotelyThe state is also putting restrictions on private gatherings — indoor gatherings are limited to two households and 10 people, and outdoor gatherings are limited to 25 people.“In the spring, we listened to public health experts, stomped the curve, and saved thousands of lives together. Now, we must channel that same energy and join forces again to protect our families, frontline workers and small businesses,” Whitmer said in a release. “Right now, there are thousands of cases a day and hundreds of deaths a week in Michigan, and the number is growing. If we don’t act now, thousands more will die, and our hospitals will continue to be overwhelmed. We can get through this together by listening to health experts once again and taking action right now to slow the spread of this deadly virus."“Indoor gatherings are the greatest source of spread, and sharply limiting them is our focus,” said MDHHS Director Robert Gordon. “The order is targeted and temporary, but a terrible loss of life will be forever unless we act. By coming together today, we can save thousands of lives.State Senate Majority Leader Mike Shirkey, a Republican, released a statement sharply criticizing Whitmer's restrictions.“We are disappointed that Gov. Whitmer chose to go it alone, again," Shirkey said. "The Senate Republicans will continue working with our doctors and the medical community on ways we can combat this virus and are ready to work with the Governor when she decides to work as a team to fight this virus."The state has seen an upward trend in cases, with record single-day numbers. On Saturday, the state reported 7,072 new positive virus cases and 65 more deaths. On Friday, the state reached its highest single-day record to date with 8,516 new coronavirus cases reported.In the last five days, between Nov. 9 and 13, there were 35,009 cases of COVID-19 and the daily record was broken three times.More than one-fourth — about 27% — of the total cases since the pandemic began have come since the beginning of November.In one month, from Oct. 13 to Nov. 13, hospitalizations in Michigan increased 232%. There were 999 total hospitalizations on Oct.13 and 3,320 hospitalizations on Nov. 13.This story was originally published by WXYZ in Detroit. 3235