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Michael Cohen, the former personal attorney for President Donald Trump who is now a key witness in special counsel Robert Mueller's Russia investigation, was under the impression Trump would offer him a pardon in exchange for staying on message in support of the President in discussions with federal prosecutors, according to two sources.After a?March 2018 visit to Mar-a-Lago, the President's private club in Florida, Cohen returned to New York believing that his former boss would protect him if he faced any charges for sticking to his story about the 2016 payments to adult film actress Stormy Daniels, according to one source with knowledge. Trump was also at Mar-a-Lago at the time of Cohen's visit.Another source said that after the April 2018 FBI raid on Cohen's office and home, people close to the President assured Cohen that Trump would take care of him. And Cohen believed that meant that the President would offer him a pardon if he stayed on message. It is unclear who specifically reached out to Cohen."The President of the United States never indicated anything to Michael, or anyone else, about getting a pardon," said Rudy Giuliani, the President's attorney. "Pardons are off the table, but it's not a limitation on his power in the future to pardon in any case."Cohen's lawyers could not be reached for comment.Following the raid on Cohen's home and office, Cohen's attorneys had a legal defense agreement with Trump and his attorneys. During this time, there was a steady flow of communication between the two sides, according to two sources familiar with the matter.At first, publicly, Trump seemed very supportive of his former attorney. On the day of the raid, Trump said Cohen was "a good man" and that the investigation reached "a whole new level of unfairness." He unloaded on law enforcement, calling the raids "a disgraceful situation."But in the days that followed the raid, one source says, things started heading south with the President.Trump started to distance himself from Cohen. And when Trump appeared on "Fox and Friends" two weeks after the raids and said that Cohen only did a "tiny, tiny little fraction" of his legal work, Cohen knew the game had changed. According to one source, Cohen knew that things had changed and he acted to protect his family -- and himself.It couldn't be learned whether Cohen shared this information with Mueller, though Cohen has spent more than 70 hours providing testimony over the last several months.These developments represent an extraordinary reversal of fortunes for Trump and Cohen, who once boasted he would "take a bullet" to protect his longtime boss. But since then, Cohen implicated Trump under oath in the illegal hush-money scheme with Daniels. If Cohen did share this information with Mueller's team, then it could be used as part of the obstruction of justice probe in determining whether the President was trying to illegally influence a witness in the investigation.Cohen pleaded guilty on Thursday to lying to Congress about the Russia investigation. Earlier this year, he pleaded guilty to eight criminal counts relating to the Daniels hush-money scheme and tax fraud from his personal business dealings. 3231

LOUISVILLE, Ky. (AP) — For the first time, a Black woman will lead Kentucky's Louisville Metro Police Department, which has been heavily criticized since officers fatally shot Breonna Taylor. Mayor Greg Fischer announced on Monday that Yvette Gentry will serve as interim chief. The Courier-Journal reports Gentry is a former Louisville Metro Police deputy chief who retired from the force in 2014. She will be the first woman and third African American to serve as chief. Gentry's appointment comes at a low point in relations between police and Black residents in Louisville. Protesters have marched for more than 100 consecutive days since police raided Taylor's home and killed her. 694

MARTIN COUNTY, Florida — As early as next week, you could start to see an improvement in the water quality in Martin County.Officials plan to start cleaning up some of the areas most impacted by algae. They hope to give residents some relief from the sight and smell of the algae and help the estuary recover from its damaging effects.Martin County Ecosystem Division Manager John Maehl said because the county declared a local state of emergency earlier this week, it can more quickly obtain grant funds from the Department of Environmental Protection to pay for and expedite clean up efforts.The plan is to get contracted clean up crews on the water early next week, possibly by Tuesday. Even before declaring the state of emergency, county officials had been interviewing and researching companies with technology they say can clean up the algae, without creating more harm to the environment.By next week, Maehl said at least a couple are prepared to get to work.In at least one case, they would be vacuuming the algae from the water.Exactly where the clean up will happen is unclear, but Maehl said the county has been surveying the area, looking to create a priority list of the places they will send crews to first.That could be areas such as Central Marine, typically hit hard by the thickest of the algae.“The really nasty stuff, try to get that out and take away the most noxious component of this and then let the estuary do its thing. The estuary is remarkably resilient,” Maehl said.This is the first year the county has taken on algae clean up effort, so it is a learning experience.“It’s a really complicated issue with a lot of different solutions and really the approach we’re taking is we’re throwing a lot of stuff against the wall and see what sticks,” Maehl said.Stuart resident Teresa Cooper is among those glad to see action being taken.She lives right along the water and can smell the stench of the algae while walking her dog.“I don’t walk him over there, so I just kind of keep him on the side, because it’s bothering me, I’m sure it’s bothering him,” Cooper said. “It hurts your throat and just smells very bad."Maehl said the county also hopes, by next week, to place booms in strategic areas to hold and collect algae. That could include putting a boom in canals leading to the St. Lucie Estuary to keep algae from flowing into the waterway.Maehl is not sure if the cleanup will last for weeks or months. 2457

McLEAN'S TOWN CAY, Bahamas (AP) — Hurricane Dorian ravaged the northern Bahamas as a catastrophic Category 5 storm, its record 185 mph (297 kph) winds ripping off roofs, overturning cars and tearing down power lines as hundreds hunkered down in schools, churches and shelters.Dorian slammed into Elbow Cay in Abaco island at 12:40 p.m. Sunday, and then made a second landfall near Marsh Harbour at 2 p.m., after authorities made last-minute pleas for those in low-lying areas to evacuate."It's devastating," said Joy Jibrilu, director general of the Bahamas' Ministry of Tourism and Aviation. "There has been huge damage to property and infrastructure. Luckily, no loss of life reported."Video that Jibrilu and government spokesman Kevin Harris said was sent by Abaco residents showed homes missing parts of their roofs, downed power lines and smashed and overturned cars. One showed floodwaters rushing through the streets of an unidentified town at nearly the height of a car roof.In some parts of Abaco, "you cannot tell the difference as to the beginning of the street versus where the ocean begins," said Prime Minister Hubert Minnis.According to the Nassau Guardian, he called it "probably the most sad and worst day of my life to address the Bahamian people."Silbert Mills, owner of the Bahamas Christian Network, said trees and power lines were torn down in Abaco.Jack Pittard, a 76-year-old American who has visited the Bahamas for 40 years, decided to ride out the storm — his first hurricane — in Abaco.He said he battened down his house to spend the storm in a nearby duplex. He noted the ocean is quite deep near where he was staying, and there is a cay that provides protection.A short video from Pittard about 2:30 p.m. showed winds shaking his home and ripping off its siding.Harris, the government spokesman, said Dorian could affect 73,000 residents and 21,000 homes. Authorities closed airports for Abaco, Grand Bahama and Bimini, but Lynden Pindling International Airport in the capital of Nassau stayed open.The archipelago is no stranger to hurricanes. Homes are required to have metal reinforcements for roof beams to withstand winds into the upper limits of a Category 4 hurricane, and compliance is generally tight for those who can afford it. Risks are higher in poorer neighborhoods, with wooden homes in low-lying areas. 2356

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