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MALIBU, Calif. (AP) — Relief and heartache await those starting to return home to a Southern California wildfire zone.Eager to know the status of his house, 69-year-old Roger Kelly defied evacuation orders Sunday and hiked back into Seminole Springs, his lakeside mobile home community in the Santa Monica Mountains north of Malibu.His got the thrill of finding his house intact. But some a half-block away were laid to waste, as were dozens more, and virtually everything on the landscape around the community had been turned to ash."I just started weeping," Kelly said. "I just broke down. Your first view of it, man it just gets you."The community where Kelly and his wife have lived for 28 years and raised two children was among the hardest hit by the so-called Woolsey fire that broke out Thursday, destroying at least 177 homes and leaving two people dead.Despite strong Santa Ana winds that returned Sunday, no additional structures were believed to have been lost, meaning many would return in the coming week to find their home as Kelly did, authorities said.Santa Ana winds, produced by surface high pressure over the Great Basin squeezing air down through canyons and passes in Southern California's mountain ranges, are common in autumn and have a long history of fanning destructive wildfires in the region.Huge plumes of smoke still rose in the fire area, which stretches miles from the northwest corner of Los Angeles' San Fernando Valley to the Malibu coast.Airplanes and helicopters swooped low over hills and canyons to drop loads of fire retardant and water.A one-day lull in the dry, northeasterly winds ended at midmorning and authorities warned that the gusts would continue through Tuesday.The lull allowed firefighters to gain 10 percent control of the Woolsey fire, which has burned more than 130 square miles (335 square kilometers) in western Los Angeles County and southeastern Ventura County since Thursday.Los Angeles County Fire Chief Daryl Osby stressed there were numerous hotspots and plenty of fuel that had not yet burned, but at sunset he said there had been huge successes despite "a very challenging day."The count of destroyed homes was expected to increase when an update is reported Monday. Osby noted that a November 1993 wildfire in Malibu destroyed more than 270 homes and said he would not be surprised if the total from the current fire would be higher.The fire's cause remained under investigation but Southern California Edison reported to the California Public Utilities Commission that there was an outage on an electrical circuit near where it started as Santa Ana winds blew through the region.SoCal Edison said the report was submitted out of an abundance of caution although there was no indication from fire officials that its equipment may have been involved. The report said the fire was reported around 2:24 p.m. Thursday, two minutes after the outage.Venture County Fire Chief Mark Lorenzen hadn't heard about the Edison report. "It wouldn't surprise me" if it turns out that winds caused equipment failure that sparked a fire, he said.The two dead were severely burned, their bodies discovered in a car on a long residential driveway on a stretch of Mulholland Highway in Malibu, where most of the surrounding structures had burned. Authorities said investigators believed the driver became disoriented and the car was overcome by fire.The deaths came as authorities in Northern California announced the death toll from a massive wildfire there has reached 29 people, matching the deadliest fire in state history.Progress was made on the lines of smaller fire to the west in Ventura County, which was 70 percent contained at about 7 square miles (18 square kilometers), and evacuations were greatly reduced. But thousands remained under evacuation orders due to the Woolsey fire.Three firefighters suffered minor injuries, Osby said.Also injured was a well-known member of the Malibu City Council. Councilman Jefferson "Zuma Jay" Wagner was injured while trying to save his home, which burned down, Councilman Skylar Peak told reporters Sunday.Peak said Wagner was hospitalized but was expected to recover. Wagner runs Zuma Jay Surfboards, a longtime fixture on Pacific Coast Highway near the landmark Malibu Pier.The extensive celebrity community within Malibu wasn't spared. Singer Robin Thicke and actor Gerard Butler and were among those whose homes were damaged or destroyed.Spot fires continued to occur late Sunday afternoon near the Malibu campus of Pepperdine University, where 3,500 students were sheltering in place. The university said it was closing Malibu campus and its Calabasas campus to the north until Nov. 26 but classes would be remotely administered online and through email.But fire officials say fire behavior has changed statewide after years of drought and record summer heat that have left vegetation extremely crisp and dry. That change has impacted the ability to move firefighting resources around the state."Typically this time of year when we get fires in Southern California we can rely upon our mutual aid partners in Northern California to come assist us because this time of year they've already had significant rainfall or even snow," said Osby, the LA County fire chief.With the devastation and loss of life in the Northern California fire, "it's evident from that situation statewide that we're in climate change and it's going to be here for the foreseeable future," he said. 5485

MADISON, Wis. — The Wisconsin Supreme Court has ruled against President Trump's lawsuit and latest attempt to overturn the state's election results. The ruling came just an hour before Wisconsin's electoral college voters were set to confirm Biden's win in the state.President Trump's legal team took the lawsuit to the state Supreme Court after losing in Milwaukee County Court last week. The court previously refused to hear the case before it went through lower courts.The Supreme Court met in a rare weekend session to listen to arguments in the case. The decision came down just before 11 a.m. CT Monday. Biden won Wisconsin by about 20,600 votes, a margin that withstood a Trump-requested recount in the state’s two largest counties. 747

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

Michael Cohen informed a representative for Stormy Daniels he was willing to strike a deal to buy her silence only after the release of the now-infamous "Access Hollywood" recording where President Donald Trump can be heard talking about grabbing women without their consent, The Wall Street Journal reported Thursday.The Journal cited a person familiar with the conversation that took place between Cohen, Trump's former attorney, and Daniels' representative just one day after the October 2016 release of the recording. The newspaper reported that Cohen indicated during that conversation that "he was open to a deal," despite having "initially balked at the idea."The same source told the Journal that Cohen "resisted" making a payment to Daniels when the idea was proposed in September 2016.Daniels is a former adult film star who claims she had a consensual sexual encounter with Trump, who denies any affair.Citing individuals familiar with the matter, the Journal reported that federal prosecutors in New York state believe that the "Access Hollywood" recording may have caused Cohen to take action to keep negative stories about Trump out of the news. Federal prosecutors are investigating if that payment to Daniels was an illegal contribution to the campaign or should have been disclosed by the Trump campaign.A spokesperson for the US attorney's office in Manhattan, which is investigating Cohen, declined to comment to the Journal.Lanny Davis, an attorney for Cohen, told the newspaper that he cannot comment on "any matters even possibly remotely related to those that might be under investigation," as a result of advice of counsel.The White House, which has said in the past that Trump denies an affair with Daniels, did not respond to a request for comment from the Journal.The Justice Department said in April that Cohen is under criminal investigation, a revelation that came after a raid of Cohen's properties and office.Cohen acknowledged to The New York Times in February that he had made a 0,000 payment to Daniels, but said that neither the Trump organization nor the campaign had reimbursed him.Trump's story over the payment, meanwhile, has shifted. In April, the President denied knowing about the payment when questioned by reporters. The following month, Trump said on Twitter that Cohen had entered into an agreement "to stop the false and extortionist accusations" that he claimed were made by Daniels.The acknowledgment from Trump came after the President's lawyer Rudy Giuliani told Fox News' Sean Hannity that Trump had reimbursed Cohen for the hush money payment.The payment to Daniels "is going to turn out to be perfectly legal," Giuliani said at the time. 2774

Michigan State University is facing a federal lawsuit, filed in the United States District Court for the Western District of Michigan Southern District, accusing the school of not following federal guidelines in a reported rape.The lawsuit was filed by an attorney for a student who claims she was sexually assaulted by three members of the men's basketball team in April 2015, a week after the team lost to Duke in the NCAA Tournament.The team members are identified only as John Does in the lawsuit.According to the allegations in the suit, the unidentified woman was an 18-year-old in her first year at MSU at the time of the assault. She says she was with her roommate at Harper's Bar in East Lansing when most of the MSU basketball team arrived at the bar sometime after midnight on April 12, 2015.The woman alleges that one of the team members approached her and offered to buy her a drink. She says that after she accepted, the man asked if she would like to meet the "other guys" on the team.According to the lawsuit, the woman accepted because, as a sports journalism major, interacting with members of the basketball team was of interest to her.However, the lawsuit says that at no time did she indicate a romantic interest in any of the team members who approached her.As the night progressed, the lawsuit alleges that one of the team members asked the woman to come to their apartment for a party. She says that as incentive, one of the players lied and told her that her roommate was already headed to the party.According to the lawsuit, the woman contends she was having a hard time holding her glass, even though she had not had much to drink at that point.The lawsuit says that, when the woman arrived at the the location of the purported party, it turned out to be one of the team member's off-campus apartment and that few people were actually present. The lawsuit also says that the woman's roommate was not among those present.According to the lawsuit, the woman tried to text, but she was not able to control her thumbs to compose a text. It is at this point, according to the lawsuit, that the woman says the first player pulled her into a bedroom and told her "you are mine for the night." The woman says this made her uncomfortable and she made her way back into the living room, where, according to the lawsuit, her physical troubles continued and she realized something was wrong and that she might have been drugged.The lawsuit contends that at this point, the second player offered to show the woman his basketball memorabilia in his bedroom, where she was thrown down onto the bed and raped from behind.The lawsuit continues with the allegation that once the player, identified only as John Doe 2, finished raping the Plaintiff, the other two players, identified as John Doe 1 and John Doe 3, each came in and took turns raping the woman.The lawsuit says the woman does not remember anything after that, until she woke up on a couch a few hours later.The lawsuit then contends that the woman reported the rape to the Michigan State University Counseling Center, where, once they were informed the three alleged attackers were basketball players, the counselor's demeanor changed and that she told the woman that she needed another person in the room.The lawsuit contends that the staff person told her that her options were to file a police report, or deal with the aftermath of the rape on her own. However, the suit also contends that the staff made it clear that, if she reported the rape, she would face an uphill battle and unwanted media attention.The lawsuit also contends that staff members made comments to the effect of "we have had many other students in the same situation who have reported, and it has been very traumatic for them" and other comments 'implying' that it would not be in the plaintiff's best interest to report the incident to police, specifically "if you pursue this, you are going to be swimming with some really big fish."The lawsuit also contends that the counseling center did not advise the woman to seek STD or pregnancy testing, have a physical exam, or seek medical treatment. They also, allegedly, did not notify the woman of her option of reporting the rape to the Office of Institution Equity, or her Title IX rights, protections and accommodations.According to the lawsuit, this caused thw woman to become so frightened that she did not report the rape and she did not seek help from the Michigan State University Sexual Assault Program for 10 months.The woman was also not informed of her right to have a no-contact order put in place to keep the men out of her dorm, Brody Hall, where the woman says she would often see one or all three of the men in the dining hall.The suit contends that the woman was so traumatized after the rape that she sought psychiatric treatment at Sparrow Hospital in October 2015, stopped attending classes and was forced to withdraw in the fall semester of 2015.The suit seeks damages from the school and injunctive relief to have MSU put steps in place to prevent sexual assault. 5119

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