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Medical offices around the country are opening back up for routine health checks and they're facing a huge problem; there's still a shortage of protective gear. Now, many are spending huge amounts of money restructuring the way they operate to keep themselves and their patients safe.On a window ledge at ENT and Allergy Associates in White Plains, New York, sits a number of brown paper bags. Inside, face masks labeled for each physician.“We have paper bags on our window sills with a bunch of masks. In there, we have 3-4-5 masks we’re rotating through. Those have to be kept covered to protect them from splatter or anything because once they get dirty, then they have to be thrown out,” Dr. Daniel Gold said. “We circulate gowns as well.”Gold is an E.N.T., which is the medical and surgical choice for anything having to do with the ears, nose or throat. It's a profession that is very much in your face, so protective gear is of utmost importance.“After wearing them for 5-10 minutes, you get short of breath and you’re like this is really hard,” he said.Doctors like Gold are having a hard time getting more gear. In fact, Dr. Gold often uses shields that are designed for sheet metal work because medical grade equipment is back ordered, or entirely unavailable. A surgical mask which once cost 30 or 40 cents now costs to .50.They've also found that knockoffs are being sold.“Not made of same material, not sealing against the face, and some had seam lines and then when you really looked, you’d realize there were holes through the seam lines that’s not blocking 95%,” Gold said. “You’re better wearing a t-shirt mask.”Dr. Gold is far from alone on this issue. It's a statewide and nationwide problem. Dr.Bonnie Litvack is the president of the Medical Society, State of New York.“That is an absolute mess because we can’t deliver the care if we don’t have the resources and the mask is ground zero for that,” Said Dr. Bonnie Livtack, the president of the Medical Society of the State of New York.When asked about whether they were able to negotiate for price on PPE, Litvack said, “With the various companies they either have it or they don’t, or you pay the prices or you don’t.”Dr. Litvack joined other state medical societies in the country by sending a letter to the Senate. They're asking the government to step in."We urge Congress to prioritize the production, distribution, and availability of PPE and testing, and accelerate efforts to conduct contact tracing,” the letter read. “All of these are essential to the safe reopening of medical practices and the economy and must be prioritized for all health care workers."They're also asking for financial help as their costs to operate, while seeing half the patient volume, are mounting.“These additional precautions and equipment is running us about per patient,” Dr. Gold said. “It’s about a million in extra overhead a month just in these extra masks, and gowns, and gloves and wipes. All these other things, which nobody could have thought to budget in because who would have thought we’d have to consider every patient highly infectious.”It's a new way of operating, as everyone is learning how to function in our new, post-pandemic world. 3229

MARIPOSA COUNTY, Calif. (KGTV) -- A fire burning around Yosemite National Park has been fully contained, according to KGO.The Ferguson Fire burned nearly 97,000 acres and destroyed 10 structures. Fire crews are now in the mop-up and repair phase.The fire spread throughout Mariposa County for more than a month from July 13 through August 19. Two firefighters were killed fighting the fire and 19 people injured.More on the Ferguson Fire:  452

MIAMI — Residents of Bermuda are urged by forecasters to prepare to protect life and property ahead of Hurricane Paulette. The U.S. National Hurricane Center says Paulette is expected to grow into a dangerous storm as it approaches the territory Sunday. It has maximum sustained winds at 75 mph that are expected to intensify. It's the strongest in terms of winds of six disturbances the center is tracking in the Atlantic Ocean and Gulf of Mexico. Tropical Storm Sally is threatening the Gulf Coast with dangerous storm surge, heavy rainfall and strong winds. Two tropical depressions and two other disturbances were also at sea or in the Gulf. 653

MIAMI SHORES, Fla. (AP) — Authorities say a Florida police officer’s wife died after becoming trapped in the back of his patrol vehicle for several hours during a hot afternoon.Investigators are treating the death of 56-year-old Clara Paulino as an accident.She died Friday afternoon while her 58-year-old husband Aristides Paulino was sleeping in their Miami Shores home after finishing a midnight shift.Officials say she had climbed into the backseat of his marked SUV to find something when the doors somehow closed, and a self-locking mechanism engaged.Temperatures reached over 90 degrees as she spent about four hours in the vehicle. 647

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