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LOUISVILLE, Ky. – The family of Breonna Taylor and their attorneys reacted Friday to the grand jury's decision not to bring homicide charges against the Louisville officers who shot and killed the 26-year-old in March.Watch their comments below:In a press conference led by civil rights attorney Ben Crump, he and the other lawyers called for the transcripts in the grand jury proceedings to be released.“When we think about this grand jury proceeding, if you want us to accept the result, release the transcripts, so we can have transparency,” said Crump.During the briefing at Louisville’s Jefferson Square Park, attorney Lonita Baker questioned whether Kentucky Attorney General Daniel Cameron even presented the grand jury with charges on behalf of the killing of Taylor.“Don’t tell us the grand jury made this determination, if it was your office’s determination,” said Baker.Following the attorneys’ remarks, a family member read a statement on behalf of Taylor’s mother, Tamika Palmer. In it, she said her daughter died because the system failed her.“Cameron alone didn’t fail her, but it ended with a lack of investigation failing her,” said Palmer. “The officer who told a lie to obtain a search warrant failed her. The judge who signed the search warrant failed her. The terrorist who broke down her door failed her. The system as a whole has failed her.”Palmer also said she never had faith in Cameron to begin with.“I knew he was too inexperienced to deal with a job of this caliber,” said Palmer. “I knew he had already chosen to be on the wrong side of the law. The moment he wanted to the grand jury to make the decision, what I had hoped was that he knew he had the power to do the right thing, that he had the power to start the healing of this city, that he had the power to help mend over 400 years of oppression.”Palmer was reassured Wednesday of why she has no faith in the legal system or the police that she said are not made to protect Black and brown people.“But when I speak on it, I’m considered an angry Black woman,” said Palmer. “But know this, I am an angry Black woman. I am not angry for the reasons you would like me to be, but angry because our Black women keep dying at the hands of police officers, and Black men, angry because our children are dying at the hands of police officers, and I’m angry because this nation is learning that our Black women, dying at the hands of police officers, and this is not OK.”Palmer said the world was robbed of a “queen” who was just starting her life.“You didn’t just rob me and my family, you robbed the world of a queen, a queen willing to do a job that most of us couldn’t stomach to do, a queen willing to build up anyone around her, a queen who was starting to pave her path,” she said. Palmer ended her statement by saying that she doesn’t wish the pain she’s suffering on anyone else.“I hope you never know the pain of your child being murdered 191 days in a row,” she said.The attorney general's office issued the following statement in response to the comments from Taylor's family and their attorneys: 3093

LOUISVILLE, Ky. — Authentic is the winner of the 146th running of the Kentucky Derby.The Bay Colt held off a surging Tiz the Law down the final stretch Saturday evening.Authentic’s trainer, Bob Baffert, now has six career Kentucky Derby victories, tying Ben Jones for most of all-time. It's Baffert's 16th career triple crown victory, the most of all-time.It is also Hall of Fame jockey John Velasquez's third Kentucky Derby win.This is Authentic's fourth win in five career races. He finished second at the Santa Anita Derby.The Kentucky Derby was held at Churchill Downs after being postponed for four months because of the COVID-19 pandemic. The race was held without fans in the stands or the infield to prevent the spread of the coronavirus.Tiz the Law was the favorite to win the race after winning the Belmont Stakes, the kickoff to this year's reconfigured Triple Crown. Saturday's loss is his first loss since November 2019. He also entered the race as the only horse in the field with four straight victories.Authentic wins the Kentucky Derby!! pic.twitter.com/OiSrJEcvZz— Kentucky Derby (@KentuckyDerby) September 5, 2020 Headed back to the barn a Kentucky Derby Champion. ?? ?? pic.twitter.com/0gqmWIWc8y— Kentucky Derby (@KentuckyDerby) September 5, 2020 This story was originally published by Eli Gehn at WLEX. 1332

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

MIAMI, Fla. — Tropical Storm Laura has strengthened near Puerto Rico, the National Hurricane Center said.As of the 5 p.m. update, Laura is about 100 miles west of Ponce, Puerto Rico, according to NHC. The system is packing 50 mph winds and is moving west at 18 mph.Laura is forecast to become a Category 1 hurricane once the storm approaches Cuba. It could remain a hurricane as it moves somewhat closer to FloridaABC Action News Chief Meteorologist Denis Phillips says intensity is a major question mark for Laura.On Thursday morning, Tropical Depression Fourteen also formed over the Caribbean Sea. It's also expected to develop into Tropical Storm Marco on Friday, according to NHC.Meanwhile, Tropical Storm Marco formed over the Northwestern Caribbean late Friday night. However, Marco does not pose a threat to Florida.QUICK TIPS TO HELP YOU PREPARE FOR A HURRICANEWatches and Warnings:Tropical Storm Warning:* Puerto Rico, Vieques and Culebra* U.S. Virgin Islands* The northern coast of the Dominican Republic from Cabo Engano to the border with Haiti* The southern coast of the Dominican Republic from Cabo Engano to Punta Palenque* The northern coast of Haiti from Le Mole St. Nicholas to the border with the Dominican Republic* The southeastern Bahamas and the Turks and Caicos Islands* Cuban provinces of Camaguey, Las Tunas, Holguin, Guantanamo,Santiago de Cuba, and GranmaTropical Storm Watch:* The central Bahamas* Andros Island* Florida Keys from Ocean Reef to Key West and the Dry Tortugas* Florida BayThis story was first reported by Emily McCain at WFTS in Tampa Bay, Florida. 1601

Loved ones held a fundraiser today for the family of a mother killed by a hit-and-run driver. The CHP says Bernadette Castillo was struck last week along the 94 in Jamul. Her family and friends held a barbeque to raise funds for her funeral at Colina Del Sol Park on Friday.July 27th was a day that Debra Marulli will never forget. "Shock. Pain. A little bit of comfort because I know she’s not hurting," said Marulli. "Somebody loves her. To leave her on the side of the road like she’s an old pet, it's cruel." Loved ones held on to positive memories today while raising money for her funeral. "She was amazing," said Marulli. "She went out of her way to help anybody. She didn’t hold a grudge against people."The CHP has not identified a suspect. For now, everyone who knows her is just waiting for that to happen."We want closure I know her family wants closure, her son needs closure," said Marulli. "Come talk to somebody. Please"If the driver is found and arrested, CHP says they will face felony manslaughter and hit and run charges.  1110

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