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Mary Kay Letourneau, a former teacher who was sentenced for an illicit relationship with a then sixth-grade student, has died at the age of 58, her attorney told NBC News.Her lawyer David Gehrke told news outlets Letourneau died Tuesday of cancer.Letourneau was charged with rape of a child after Letourneau became pregnant following a sexual relationship with student Vili Fualaau. The relationship began in 1996 when Letourneau was 34 and Fualaau was 12 or 13.When Fualaau was 18, he petitioned the court to lift a no-contact order between Letourneau and Fualaau. Fualaau would go on to marry Letourneau in 2005.They have two daughters together. Fualaau filed for a legal separation from Letourneau in 2017. 717

MEXICO CITY (AP) — Residents of the town of Sonoyta, across from Lukeville, Ariz., briefly blocked the main road leading south from the U.S. border over fears of coronavirus outbreaks. Arizona has seen a major upsurge in infections, and there were worries about intensified contagion during the July 4 weekend. The mayor of Sonoyta issued a statement "inviting U.S. tourists not to visit Mexico." Local residents organized to block the road with their cars on the Mexican side. The road is the quickest route to the seaside resort of Puerto Pe?asco, also known as Rocky Point. 584

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

LOVELAND RESERVOIR, Calif. (KGTV) - With Santa Ana winds in the forecast for Wednesday morning, Cal Fire stationed more than 500 firefighters in strategic spots to attack any hot spots that flared up in the Valley Fire burn area.The plan worked.Crews were able to recognize hot spot fires quickly and direct resources to fight them before early morning winds spread the flames across Lawson Valley.One flare-up started on a mountain peak just northeast of Loveland Reservoir. That area burned on Saturday, but Barona Fire Department Chief Ken Kremensky said embers stayed hot enough under the tree canopy to reignite Wednesday morning."The retardant coats the area," Kremensky explained. "But a lot of times in the heavier brush it lays along the top of the brush and it doesn't penetrate all the way the ground so there's hot stuff and it creeps in there. And once it creeps through the retardant, it gets into that open field starts to spread. If you get some wind on it and it picks up, you see the flame starting to show up."The fire was in a remote area that would take hand crews hours to reach. So, Cal Fire sent in a squad of helicopters.Helicopters from San Diego Gas & Electric, Cal Fire and the San Diego County Sheriff's Department took turns dousing the flames with water for nearly an hour, making multiple passes and filling up with water from the reservoir.After they left, military helicopters took over. By 11 a.m., the fire was mostly out."We'll just keep plugging away and hopefully the weather will cooperate with us and that'll be a good success," said Kremensky.Heavy winds never materialized, with gusts in the fire zone topping out at 30 miles an hour. Crews were able to handle several other hot spots that ignited and keep the flames within the fire perimeter.Kremensky said they were fortunate that the weather cooperated. 1862

Millions of people are about to update the most essential device in their lives -- their iPhone -- to Apple's new iOS operating system, iOS 11.Should you take the plunge and do it now, or wait until all the reviews are in, and all the bugs are out?iPhone users have concernsSome iPhone owners, like Ally Knestrict, have a few concerns. While having lunch outdoors, she was reading reviews, and decided she would wait a few days."I might hold off and wait a few days just to see what the issues are, and if it works well," she said.She had already heard of some problems with battery life. Others in the lunch crowd said they heard that it needs a lot of free space to download. Janelle Bagneski said, "I won't have enough space on my phone, if it requires two gigabytes." She is correct.So we compiled the pros and cons of Apple's newest iOS.The GoodThe look: iOS 11 is not as dramatic an update as iOS 9 and 10 were, when the whole look changed, and there was a learning curve.You will immediately notice some new looks, especially of the app store, and your options at the bottom of messages.Control Center: The control center is much simpler to use than iOS 10, which gave you three screens to swipe between. Now, music, flashlight, and the icons for Bluetooth and WiFi are all there on one screen, just like on Android phones. It's customizable, so you can change the widgets that appear there.Photos: Apple says the camera is improved, and photos will take up less space due to its new high efficiency image file format (HEIC), which takes up less room than JPEGs. (Though you will still have to option to save them as JPEGs). The Verge explains the file issues in detail.Do Not Disturb: A wonderful new Do Not Disturb improvement now alerts people who text you that you are driving, and cannot text back. You can turn this on or off manually, or with the iPhone 6 or newer, it will do it automatically when it senses you are diving. (Yes, you can turn it off if you are in a bus or a passenger). MetroUK has a good article explaining how this works.Do Not Disturb is just one of several new safety features, according to a good review in The Independent.Siri: The Siri voice assistant has too many improvements to list, but the biggest one is that she will do audio translations into French, Spanish and several other languages. This is a huge improvement for foreign travelers who don't know a word of their new country's language.Maps:  Maps now give more detailed information, and even speed limits of highways, as explained in a report in MacWorld.iPad: The iPad version now lets you easily run multiple screens and apps, making it look more like a Microsoft product (did I just say that?)The website TechDotMatrix lists a number of other good improvements with iOS 11.The BadOlder apps:  iOS 11 no longer supports older 32-bit apps, so if your favorite old app is not 64 bits, you will have to update or delete it.iPhone 5:  If you are still using a four- or five-year-old iPhone 5, you cannot download iOS 11 (here's a full list of devices that are compatible). It will work on the iPhone 5s, though some users report it slows the phone down. (If you still have the iPhone 4, you shouldn't be even reading this column. Please buy a new phone, then get back to me). I have a 5s, and so far everything is fine, though the phone feels a bit slower opening apps.Photo compatibility: The new HEIC photo format (to save space) may not be compatible with PCs and Microsoft-based photo editors without conversion to JPEG files. The Verge has a good writeup on this.? Microsoft Exchange issues: While we are talking Microsoft, some users report problems with the Exchange for iOS app, and with Outlook 365. I have not noticed this problem on my iPhone 5s, with the update.The UglyBattery Drain: Really, there's not much ugly with iOS 11, unless you find it dramatically draining your battery, as some early users report. Gotta Be Mobile explains what to do if your battery is now running down fast. Apple forums are already filled with suggestions for improving battery life if this happens, such as shutting off automatic app refreshing.Not enough space: Also, keep in mind you need two?gigs of free space to install the update. If you have an older iPhone with lots of videos on it, you may have to delete some videos or music.One hour download: Anticipate the whole download, updating and installation to take an hour on average.Don't try to do it on the fly, like 20 minutes before an important meeting (as I tried to do, oops). Also, there is a 10-minute period late in the installation process where you cannot use your phone at all, as all you will see is a slow bar moving.So it is best to do the update at home, at night, when there is no urgency. Finally, you may want to have the phone plugged in during the update, or you'll be stunned how much battery power that one-hour process will take. I was down to 25 percent at the end of the update. Glad I had a spare power cord in my desk.Otherwise enjoy, and don't waste your money.________________Don't Waste Your Money” is a registered trademark of Scripps Media, Inc. (“Scripps”)."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 5457