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MIAMI (AP) — Tropical Storm Wilfred has formed in the eastern Atlantic, becoming the latest storm in an active hurricane season. The storm’s maximum sustained winds Friday morning are near 40 mph. The U.S. National Hurricane Center says slight strengthening was possible during the day but weakening should start over the weekend. Wilfred was centered about 630 miles west-southwest of the Cabo Verde Islands and was moving west-northwest near 17 mph. 460

Michael Cohen and his attorney met Wednesday with a group of state and federal law enforcement officials investigating various aspects of President Donald Trump's family business and charitable organization, according to people familiar with the meeting.The group, which included the federal prosecutors from the US Attorney's Office for the Southern District of New York who charged Cohen in August and officials from the New York Attorney General's office, met at the Midtown New York City office of Cohen's attorney, Guy Petrillo, these people said.CNN observed Cohen leaving Petrillo's office building Wednesday afternoon. Assistant US Attorney Tom McKay, the lead prosecutor on the Cohen case, had entered the building earlier in the day.The purpose of the meeting wasn't immediately clear, but both offices are continuing to investigate cases that relate to Trump entities and with which Cohen had professional involvement.Representatives for both the attorney general's office and the US attorney's office declined to comment. Petrillo didn't immediately respond to a request for comment.The meeting comes as Cohen, Trump's former personal attorney, has spent hours huddling with prosecutors from the office of special counsel Robert Mueller. Cohen's cooperation with investigators could help reduce the sentence he's set to receive December 12 for the crimes to which he pleaded guilty in New York. Cohen has said privately a reduced sentence is not his motivation.In recent days, Cohen and Trump have traded public barbs, with Cohen touting his recent allegiance with the Democratic Party on social media and Trump saying Tuesday in an interview with the Associated Press that Cohen was "lying" when he indicated during his guilty plea, under oath, that Trump had directed him to break the law by instructing Cohen to make payments to silence two women who claimed affairs with Trump.Trump has denied those claims, and in the AP interview he described Cohen as "a PR person who did small legal work, very small legal work.""He wasn't in trouble for what he did for me; he was in trouble for what he did for other people," Trump said. "He represented me very little. It's a very low level. And what he was is also a public relations person."In response to Trump's interview comments, another attorney for Cohen, Lanny Davis, said on Twitter that Cohen "acknowledged and took responsibility for @realDonaldTrump @POTUS bad behavior. Trump calling anyone a #liar is a compliment!"In August, Cohen pleaded guilty in Manhattan federal court to tax evasion, making false statements to a bank and campaign finance violations involving so-called "hush money" payments two women who alleged sexual encounters with Trump: adult film star Stormy Daniels, whose real name is Stephanie Clifford, and former Playboy model Karen McDougal.Federal prosecutors in New York began seeking to arrange a meeting with Cohen after his August plea, CNN has reported, and that office has been continuing to investigate matters related to Cohen's case, including possible campaign finance violations by others within the Trump Organization.Cohen has also been in contact with the New York state attorney general's office since his guilty plea, including shortly after his appearance in federal court, CNN has reported. The AG's office has a civil lawsuit against the Trump Foundation, and has been coordinating its investigation with the US attorney's office, CNN has reported. 3467

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

Love Shark Week? You may be in luck.USDirect.com says it will pay one lucky fan ,000 to watch every second of this year’s Shark Week on the Discovery channel. The person will also receive snacks to help get them through the viewing, as well as Shark Week “swag.”“Put yourself to the test—if you think you’ve got the guts,” wrote the company.USDirect says the “jawb” entails tweeting and sharing your favorite Shark Week fact each day, using the hashtag #SharkWeekDreamJawb.The person will also need to rank each program from least to best in the following categories: Most entertaining, most informative, most fearsome (scariest), and most surprising.The “job” will begin on Aug. 9 and last for an entire week.“We don’t care if you watch Shark Week in bed, in-between meetings, or at the dinner table (though your family may feel differently): as long as you watch every second of Shark Week 2020, ,000 is all yours,” wrote USDirect.To be considered, here’s what USDirect says it needs from you:· You gotta love sharks—enough to celebrate them for a whole week.· You have to be at least 18 years old and a U.S. resident.· You have to be willing to document your Shark Week marathon on your social media.Those interested can apply here. The deadline to submit an application is July 27 at 5 p.m. ET. 1310

MENIFEE, Calif. — The family of the woman who allegedly shot three people at YouTube headquarters on Tuesday say they tried to warn police about a potential attack.The family of Nasim Aghdam also described her as a peaceful person."She was a nice person," Agham's brother, who asked his name not be used, said. "I mean maybe not today, but she never hurt any creature."Aghdam's family said her passion was preaching in favor of vegans and rallying against animal cruelty. In 2009, she was part of a PETA protest in San Diego.The family says she felt she reached the most people through her YouTube page, but her relationship with the company turned ugly when YouTube changed its filters and she began to lose followers and viewers. 759