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MEXICO CITY (AP) — President Andres Manuel Lopez Obrador launched an ambitious plan Saturday to stimulate economic activity on the Mexican side of the U.S.-Mexico border, reinforcing his country's commitment to manufacturing and trade despite recent U.S. threats to close the border entirely.Mexico will slash income and corporate taxes to 20 percent from 30 percent for 43 municipalities in six states just south of the U.S., while halving to 8 percent the value-added tax in the region. Business leaders and union representatives have also agreed to double the minimum wage along the border, to 176.2 pesos a day, the equivalent of .07 at current exchange rates.Lopez Obrador, who took office on Dec. 1, said the idea is to stoke wage and job growth via fiscal incentives and productivity gains. U.S. President Donald Trump has repeatedly complained that low wages in Mexico lure jobs from the U.S. Mexico committed to boost wages during last year's negotiations to retool its free trade agreement with the U.S. and Canada.Speaking from Ciudad Juarez, a manufacturing hub south of El Paso, Texas, Lopez Obrador said Saturday he agrees with Trump that Mexican wages "should improve." He decried, for instance, that Mexican auto workers earn a fraction of what their U.S. counterparts take home, topping out at just an hour versus a typical wage of an hour in the U.S.Yet the economic plan comes at a delicate moment for the border region. Trump threatened as recently as last week to close the U.S.-Mexico border "entirely" if Democrats refuse to allot .6 billion to expand the wall that separates the two countries.Economy Minister Graciela Marquez noted Saturday that the border region targeted for economic stimulus accounts for 7.5 percent of Mexico's gross domestic product. And in recent years, she said, the 43 municipalities included in the plan have boasted combined economic growth of 3.1 percent, above the national average of 2.6 percent for the six years through 2017.Much of that robustness owes to trade and proximity with the U.S., the world's biggest economy."We have to take advantage of this locomotive that we have on the other side of the border," she said.Marquez expressed optimism that the stimulus plan will direct more Mexican and foreign investment into the border region. The plan for the border region is part of what Lopez Obrador calls "curtains of development" to shore up different corridors of the country so that Mexicans stay rather than migrating in search of better economic prospects. 2543

Many public school districts across the country are choosing to do remote, online learning once school starts back up in the fall. But where does this leave some of the crucial support staff like school nurses and librarians?While some districts are furloughing or laying off staff, others are getting creative."There’s a variety of tasks we can do even though we’re not physically on campus and on site," says Jane Banks, the director of health services at Fresno Unified School District in California.Banks is deploying the district's 67 full-time school nurses and nearly 50 licensed vocational nurses to act as contact tracers during the pandemic."A lot of the work can be done virtually and we actually do it over the phone. Most of the time, I spend a lot of time on the phone with families and staff and so I can see it being the same in the fall," says Banks.Fresno Unified says its librarians will also be working remotely this fall, supporting schools' digital libraries, checking out textbooks for at-home use, distributing computers and WIFI hotspots to families, creating high quality digital resources for students and teachers and so much more.For support staff like librarians and nurses, it's a job they're not used to doing remotely but they're finding there is still so much to do to support students while they're not on campuses."We're trying to do our best in ensuring that we're trying to keep as much staff as we can. Now is the time where we need our school nurses, where we need our health staff," says Banks.Laurie Combe, the president of the National Association of School Nurses, says districts are in a tough spot this fall. Educators are dealing with rising costs to keep students and staff safe amid the COVID-19 pandemic, all during state budget cuts. Some districts are being put in a tight financial situation."I have heard for some layoffs and I've heard of some furloughs. So, there's a big difference there," says Combe.Combe adds that school nurses have been crucial in assisting districts through the pandemic since the spring and they'll continue to do so in the fall."They've been essential to the planning and preparation and emergency preparedness of school districts," says Combe.Combe hopes districts will be innovative in the ways they can use school nurses. Fresno Unified is hoping to maximize nursing services this fall."There's a lot of things they can do off-site. Things like connecting with parents and families, especially we have nurses who are connecting with students who may fall into those high risk categories and ensuring they are safe during this time," says Banks.Fresno Unified will also be testing out something brand new this fall: Telehealth with school nurses."Right now, it's the limitations with access and just kind of bridging that gap. Especially with our families that might not be able to drive somewhere and get services that they need," says Banks.The district is just in the planning phase right now but they hope that even with school campuses physically shut down this fall, that school nurses will still be able to connect and treat families remotely. 3141

Microsoft said in a blog post on Thursday that it has discovered efforts by Iran, China and Russia to launch cyberattacks on the presidential campaigns of Joe Biden and Donald Trump.Tom Burt, Microsoft’s corporate vice president for customer security and trust, wrote that Microsoft was able to stop the cyberattacks from happening, and have notified the campaigns of the three countries’ efforts.“We disclose attacks like these because we believe it’s important the world knows about threats to democratic processes,” Burt wrote. “It is critical that everyone involved in democratic processes around the world, both directly or indirectly, be aware of these threats and take steps to protect themselves in both their personal and professional capacities. We report on nation-state activity to our customers and more broadly when material to the public, regardless of the actor’s nation-state affiliation. We are taking extra steps to protect customers involved in elections, government and policymaking.”Last month, the Office of the Director of National Intelligence released a statement outlining efforts by Iran, China and Russia to attempt to undermine this year’s presidential election.“Ahead of the 2020 U.S. elections, foreign states will continue to use covert and overt influence measures in their attempts to sway U.S. voters’ preferences and perspectives, shift U.S. policies, increase discord in the United States, and undermine the American people’s confidence in our democratic process,” William Evanina, director of the United States National Counterintelligence and Security Center, said. "They may also seek to compromise our election infrastructure for a range of possible purposes, such as interfering with the voting process, stealing sensitive data, or calling into question the validity of the election results. However, it would be difficult for our adversaries to interfere with or manipulate voting results at scale.”As part of Evanina’s assessment, he said that China and Iran were attempting to seek a favorable outcome for Biden, while Russia was working to ensure a favorable outcome for Trump.“As Americans, we are all in this together; our elections should be our own,” Evanina previously said. “Foreign efforts to influence or interfere with our elections are a direct threat to the fabric of our democracy. Neutralizing these threats requires not just a whole-of-government approach, but a whole-of-nation effort.”The Trump campaign responded to Microsoft’s cybersecurity report."As President Trump’s re-election campaign, we are a large target, so it is not surprising to see malicious activity directed at the campaign or our staff,” Thea McDonald, deputy national press secretary for the Trump campaign, said. “We work closely with our partners, Microsoft and others, to mitigate these threats. We take cybersecurity very seriously and do not publicly comment on our efforts.”The Biden campaign also responded to the report."We are aware of reports from Microsoft that a foreign actor has made unsuccessful attempts to access the non-campaign email accounts of individuals affiliated with the campaign," the campaign said. "We have known from the beginning of our campaign that we would be subject to such attacks and we are prepared for them. Biden for President takes cybersecurity seriously, we will remain vigilant against these threats, and will ensure that the campaign's assets are secured." 3443

LOUISVILLE, Ky. (AP) — Government officials in Kentucky say they'll be investigating the city of Louisville's handling of the fatal police shooting of Breonna Taylor. The Louisville Metro Council's government oversight committee announced its intentions Monday. News outlets report the Metro Council's next meeting is scheduled for July 23. Jean Porter, a spokeswoman for Mayor Greg Fischer, says the mayor welcomes the review. Protesters have been calling for the officers involved in Taylor's death to be charged. Taylor, a 26-year-old Black woman, was killed in her Louisville home in March by police who were serving a no-knock warrant in a drug investigation. No drugs were found, and one of the officers was recently fired. 737

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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