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Meghan Markle's father described her wedding to Prince Harry as "emotional and joyful" in remarks to the US-celebrity website TMZ on Saturday."My baby looks beautiful and she looks very happy. I wish I were there and I wish them all my love and all happiness," the Mexico-based Thomas Markle, who was due to walk Meghan down the aisle at Windsor Castle before he pulled out due to health issues on Thursday, told TMZ.Meghan, now known as the Duchess of Sussex, made a striking feminist statement during the ceremony on Saturday, choosing not to be chaperoned for much of the procession down the aisle of St. George's Chapel in Windsor.It was an unprecedented step for a royal bride in the UK. Meghan walked unescorted down the aisle of the chapel nave, accompanied in this first part of the wedding procession only by her bridesmaids and page boys.Harry's father, Prince Charles, joined Meghan as she reached the Quire, where the main royal guests were seated, then walking her to the foot of the altar.Her elegant white dress with an open bateau neckline was by British designer Clare Waight Keller, Givenchy's first female artistic director. Her 16-foot-long veil was held in place by a diamond bandeau tiara lent to her by the Queen.Speculation over the health of 73-year-old Thomas Markle, and a controversy over whether he staged a series of paparazzi-style photographs, had caused a stir in the lead up to the ceremony earlier this week.Kensington Palace has faced criticism for not doing enough to protect Thomas Markle from the inevitable glare of publicity that would come with the build up to the wedding.In a statement provided by Kensington Palace Thursday, Meghan said that she has "always cared for my father and hope he can be given the space he needs to focus on his health."The-CNN-Wire 1811

MADISON, Wis. (AP) — A divided Wisconsin Supreme Court has refused to hear President Donald Trump’s attempt to overturn his election loss to Democrat Joe Biden in the battleground state. The court on Thursday said the case must first wind its way through lower courts. Trump had argued that there would not be enough time to wage the legal battle that way before presidential electors cast their ballots on Dec. 14. An attorney for Trump says he'll file the lawsuit in circuit court. Biden defeated Trump by nearly 20,700 votes in Wisconsin. Trump is seeking to toss out more than 221,000 ballots in the state’s two biggest Democratic counties. 652

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

Miguel Diaz-Canel was officially named as the new leader of Cuba on Thursday, one day after a vote in the country's National Assembly.It's the first time in nearly six decades that Cuba is being led by a man not named Castro.Diaz-Canel, 57, was selected as the unopposed candidate to replace Raul Castro, 86. Castro embraced Diaz-Canel -- who wasn't yet born when Fidel Castro led his revolution in 1959 -- during Wednesday's session, all but sealing his status as the island's next president.Raul Castro is still expected to exercise a large measure of control over the Cuban government and have the final say on important decisions. He will remain first secretary of the Communist Party of Cuba, a member of the National Assembly and, even if he is no longer president, the most powerful public figure on the island.  832

McDonald’s plans to accelerate “some restaurant closings previously planned for future years” because of the pandemic, resulting in 200 closures in the U.S. in 2020.More than half of the closures are restaurants in Walmart store locations, according to the company. They did not detail which stores would be closing.The announcement came during an earnings call with investors and reporters Tuesday, in which McDonald’s talked about their up-and-down second quarter of the year. They said 96% of its 39,000 restaurants worldwide are now open, compared to 75% at the start of the second quarter in April.But the recovery is uneven. Improvement has slowed in China, but same-store sales are improving in the U.S. McDonald’s net income fell 68% to 4 million during the second quarter.McDonald’s has about 14,000 restaurants in the U.S. and on the earnings call said they will have a gain of 350 net new restaurants this year as construction gets started in parts of the country.McDonald’s is not alone in closing restaurants during the pandemic. A recent report from Yelp stated 60 percent of restaurants that closed during the pandemic are permanently closed. 1168

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