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Many couples are overcoming impossible odds during the coronavirus pandemic to tie the knot. Lindsay Clowes and Alex Leckie decided to take their ceremony to the edge in order to get married while guests stayed safe.The edge being the border between the United States and Canada, which is closed while coronavirus cases continue to climb.The Canadian couple held their October 10 ceremony on the water between the two countries, so friends and family from both sides of the border could attend.Some watched from St. Stephen Wharf in New Brunswick, Canada, while others were on the banks of the St. Croix River in Calais, Maine.Clowes’ grandparents got VIP seating, on a boat in the middle of the river. 710

Michael Cohen's lawyer, Lanny Davis, said Wednesday that he believes his client is willing to testify before any congressional committee without being granted immunity."Yes, I believe I can say that," Davis told CNN's John Berman on "New Day." "I have not specifically asked my client that question, but I'm stating my belief that the answer to that question is yes," Davis clarified.Cohen pleaded guilty in Manhattan federal court Tuesday to eight criminal counts, including campaign finance violations tied to his work for President Donald Trump during the 2016 election.Following Cohen's plea deal, Sens. Richard Burr, the chairman of the Senate Intelligence Committee, and Mark Warner, the ranking member on the committee, offered a rare, joint statement before reporters Tuesday, saying they had "re-engaged" with Cohen. Burr said the committee re-engaged "following press reports that suggested he had advance knowledge of the June 2016 meeting between campaign officials and Russian lawyers at Trump Tower."Davis also told "New Day" on Tuesday that Cohen will not seek a pardon from Trump.In his guilty plea, Cohen directly implicated the President, saying that he kept information that would have harmed Trump from becoming public during the 2016 election cycle "in coordination and at the direction of a candidate for federal office."The counts against Cohen included tax fraud, false statements to a bank and campaign finance violations tied to his work for Trump, including payments Cohen made or helped orchestrate that were designed to silence women who claimed affairs with the then-candidate.The-CNN-Wire 1627

MEXICO CITY (AP) — Authorities in northern Mexico say they have identified bodies found in a well as two missing tourists from the United States. The Baja California state prosecutor’s office said in a statement Monday that the victims were identified as retirees Ian Hirschsohn and Kathy Harvey. Their disappearances were reported to authorities Sept. 2. Meanwhile, at the southern end of the Baja Peninsula, the Baja California Sur state prosecutor’s office said that the body of 65-year-old Craig Harrison was found on the beach in Cabo Pulmo Saturday evening. An autopsy determined that he had been stabbed in the chest before ending up in the ocean. 662

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

Me Siento muy... excited! On Tuesday, Netflix released a teaser promo and the release date for its new show "Selena: The Series."The trailer begins with actress Christian Serratos, who is playing the late Tejano singer Selena, take the stage.The one-minute clip includes a voiceover from Abraham Quintanilla, who's played by Ricardo Chavira. The clip shows Quintanilla beginning his practicing with a young Selena.The highly anticipated series will be released on Dec. 4.You can view the trailer below: ??Every legend begins with a dream??Selena: The Series (@selena_netflix) arrives December 4th, only on Netflix. pic.twitter.com/2yVevJSvAA— Con Todo (@contodonetflix) October 6, 2020 This story was first reported by Anissa Connell at KXXV in Waco, Texas. 783