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LOUISVILLE, Colo. — It's been five months since Jonas Asner's last trip home to Colorado. This visit has an important purpose."I had to fly home to vote," Asner said.Asner's parents, Chris and Lisa Hall, sent his ballot to North Carolina on Oct. 14, where Jonas goes to school. His father, Chris Hall, purchased priority mail through USPS. The ballot was supposed to arrive in two to three days. However, the deadline kept creeping closer and closer with no sign of the envelope.Fearing it wouldn't show up on time, the family was determined to get his vote in."It just became very clear that there was only one way our child was going to be able to vote and that is if you came here to vote," said Asner's mother, Lisa Hall.Asner flew from North Carolina to Colorado Sunday night, voted Monday, and flew fly back Tuesday morning."It was definitely cool to vote in my first presidential elections as a milestone in my life," Asner said.Asner says his parents emphasized the importance of voting."To be able to have a voice in my country is really important to me," Asner said.Editor's note: This story was produced with the help of tips reported through ProPublica's Electionland project. If you experience or witness a problem voting, please let us know.This story was first reported by Gary Brode at KMGH in Denver, Colorado. 1335

MALIBU (CNS) - Santa Ana winds were expected to continue to plague firefighters battling the deadly Woolsey Fire in Los Angeles and Ventura counties Tuesday as officials re-emphasized to evacuated residents that they must stay away until the area has been declared safe.Winds of 25 to 35 mph were forecast to blow with gusts of 40 to 45 mph, National Weather Service Meteorologist Joe Sirard said. Those wind speeds are likely to drop to 25 to 30 mph Tuesday night into Wednesday with gusts to 40 mph.That prompted the NWS to continue its Red Flag Warning through 5 p.m. Wednesday for the Woolsey Fire area in Los Angeles and Ventura counties -- except Malibu, where the Red Flag Warning is set to expire at 5 p.m Tuesday. High temperatures of 70s to low 80s are predicted through Wednesday with lows near freezing ``in wind-sheltered areas,'' Sirard said.The latest Woolsey Fire update from Cal Fire had at least 435 structures destroyed, 24 structures damaged and the estimated number of structures still threatened about 57,000.The blaze has burned about 93,700 acres and was 30 percent contained, with full containment not expected until Thursday, Cal Fire said. The two people who died were found inside a burned vehicle in a long driveway in the 33000 block of Mulholland Highway.``It's the feeling of homicide detectives that the driver became disoriented and the vehicle was overwhelmed by the fire,'' sheriff's Chief John Benedict said.Three firefighters have been injured battling the Woolsey Fire. And Malibu City Councilman and Mayor Pro Tem Jefferson ``Zuma Jay'' Wagner was recuperating at a hospital from conditions related to his unsuccessful efforts to save his home Friday night.Firefighters were focused on making sure any hot spots in Malibu Canyon don't cross into Topanga Canyon, because a falling ember has more than a 90 percent chance of igniting brush, authorities said.Some 3,592 firefighters were assigned to battle the blaze, while, 22 helicopters worked from above, officials said. A total of 619 engines, 48 water tenders, 23 bulldozers and 57 hand crews were sent into the battle, Cal Fire reported. Crews from other areas, including Orange County and Arizona, also sent firefighters and equipment to aid the battle.The continuing danger prompted Los Angeles County officials to re-issue a warning to residents in evacuated areas to stay away until conditions are deemed safe.``Although it may appear that fire threats have passed in some communities, officials warned that the situation remains unstable and can shift dangerously with changes in wind patterns and other unpredictable factors,'' the advisory noted. Officials noted there are downed power poles and live power lines, live embers that could reignite, buckled roads, landslides and unstable ground, massive debris, unhealthy air quality, poor visibility and now power or cell phone access.While some evacuation orders for county communities remained in effect, all mandatory evacuation orders for the City of Los Angeles were lifted as of 7:47 p.m. Monday, authorities said.The Los Angeles County Sheriff's Department also announced that people were returning to their homes in Agoura Hills, Westlake Village, Oak Park, North Ranch and Newbury Park residents affected by the fire. Cal Fire announced Monday evening that evacuation orders have now been lifted for West Hills in Los Angeles and Bell Canyon in Ventura County.But the entire city of Calabasas remained under mandatory evacuation orders Tuesday.Despite messages to the contrary on social media, officials are not escorting residents back into the evacuated areas to retrieve medications, Los Angeles Police Lt. Eric Bixler said.Malibu City Councilman Skylar Peak has asked people to refrain from attempting to get back into Malibu by boat. A community meeting for Malibu-area evacuees was scheduled for Tuesday night at Santa Monica High School's Barnum Hall.The sheriff's department has repeatedly tried to reassure residents that their homes would be safe from looters, with 500 to 600 deputies on 12-hour rotational shifts.Northbound and southbound Ventura (101) Freeway from Valley Circle Boulevard remained open. Pacific Coast Highway remained closed to all traffic from the Ventura/Los Angeles County line to Sunset Boulevard.The fire has also closed libraries in Agoura Hills, Malibu, Topanga and Westlake Village. There's no word yet on when the libraries would reopen.The California Public Utilities Commission was investigating Southern California Edison for its possible role in the fire.According to CPUC, electrical infrastructure may have suffered malfunctions near ground zero of the blazes two minutes before they began.The agency also is investigating PG&E for its possible role in the Camp Fire in Butte County, which has burned 113,000 acres and resulted in at least 42 deaths.Chris Thompson of SCE said there were 13,000 customers who initially lost power, mostly in Malibu, and now that number has been reduced to 9,000.He also said that it will take time to replace the telephone poles destroyed by the fire, especially in canyon areas. He said they will need to use a helicopter to bring in the new poles. ``We can't just drive poles in on a truck to those areas,'' he said.The fire -- which began Thursday afternoon -- has forced the evacuation of at least 75,000 homes and an estimated 265,000 people in L.A. and Ventura counties as it consumed multimillion-dollar mansions and mobile homes.In Malibu, Pepperdine University said the school's Malibu and Calabasas campuses would remain closed through Thanksgiving. All Malibu schools in the Santa Monica Malibu Unified School District will remain closed until at least Thursday, the district announced. City officials said there will likelybe intermittent power outages due to weather and fire conditions.Fire information for Los Angeles County can be found at www.lacounty.gov/woolseyfire. Malibu also has established a website to update fire information at www.malibucity.org/woolsey.The Conejo Unified School District, which includes parts of Los Angeles and Ventura counties, closed its schools for Tuesday after inspectors found that at least two schools required major clean-up.The Federal Aviation Administration sent a tweet reminding drone operators that they could face severe civil penalties and potential criminal prosecution for flying drones over fire areas.Officials with the Santa Monica Mountains National Recreation Area are trying to account for the 13 mountain lions they are tracking with GPS collars. They said eight of the cougars are alive and moving but they have received no transmissions since the fire began from five of them. They also have been unable to locate four bobcats. The park is closed due to wildfire danger.In an about face from Twitter attacks last week against California's forest management, President Donald Trump has tweeted that he has approved an ``expedited request'' for a major disaster declaration for California.``Wanted to respond quickly in order to alleviate some of the incredible suffering going on. I am with you all the way. God bless all of the victims and families affected,'' Trump said.Firefighters made progress on the much smaller Hill Fire north of Malibu and south of Simi Valley in Ventura County. That wildfire, which has consumed about 4,500 acres and destroyed two structures, was 80 percent contained. No civilians or firefighters were killed or injured and fullcontainment was expected Wednesday. 7519

MANAGUA, Nicaragua — Hurricane Iota is moving across northern Nicaragua with hurricane strength winds of around 85 mph after making landfall as a dangerous Category 4 storm. Iota came ashore along almost exactly the same stretch of Nicaragua’s Caribbean coast that was devastated by an equally powerful Hurricane Eta just 13 days earlier. Iota had intensified into an extremely dangerous Category 5 storm during the day Monday, but the U.S. National Hurricane Center says it weakened slightly as it neared the coast late Monday and made landfall with maximum sustained winds of 155 mph (250 kph). Eta’s torrential rains saturated the soil in the region, meaning Iota's rains have nowhere to go and could cause deadly landslides.In their 7 a.m. update, the National Hurricane Center said Iota is expected to create "flash flooding, landslides, life-threatening storm surge and powerful winds across portions of Central America Tuesday."The NHC says Iota is moving west, further inland, and will move across Honduras Tuesday night into Wednesday. Hurricane Eta, after making landfall in Nicaragua, spun back out east into the Gulf of Mexico where it regained strength and dropped torrential rains on the western side of Florida and up into the southeast states of the U.S. Iota is expected to continue heading west across Central America, reaching El Salvador and southern Guatemala. 1390

MANDEVILLE, Louisiana — If you've been putting off tidying up the house, let this serve as an incentive.Harold and Tina Ehrenberg, a couple from Mandeville, Louisiana, were cleaning up for Thanksgiving guests when they found a lottery ticket they'd purchased months earlier. It turned out to be worth .8 million."We have family coming into town for Thanksgiving, so I was cleaning up the house and found a few Lottery tickets on my nightstand that we hadn't checked," Tina Ehrenberg said in a statement released by the Louisiana Lottery.It's a good thing the couple found the ticket when they did. The drawing was June 6. Theirs was the only winning ticket.Had they waited two more weeks, they'd have gotten zip; the window to claim the prize — 180 days — would have closed.The pair said they couldn't believe their good fortune."I called the winning numbers hotline over and over," Tina Ehrenberg said.Added Harold Ehrenberg: "We kept checking the numbers again and again!"After taxes, the couple took home .2 million, which they plan to put toward retirement."We don't have any plans to buy anything crazy or go on any big trips," Tina Ehrenberg said."The most fun," her husband added, "is going to be depositing that check." 1239

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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