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Many of us like to enjoy an ice-cold soda, but have you wondered what might be lurking on the soda dispensers, from the older ones to the new machines with one central nozzle?Scripps reporters took swabs from five types of locations: a movie theater, a fast food restaurant, a fast casual restaurant, a gas station and a hospital cafeteria to see just how clean or dirty some soda fountains are.The swabs were sent to a food safety lab.Dr. Helene Ver Ecke, a microbiologist at Metropolitan State University of Denver, studied the results. "So it is concerning that that particular species was found to be prevalent," said Ver Ecke as she looked over the results. She said some of the levels concerned her."But forty five hundred thousand CFUs is a lot," she said.Here is what was found. The test at a gas station seemed to be the most in the clear.The results:GAS STATION:  941

MACIZO DE PE?AS BLANCAS, Nicaragua (AP) — The devastation caused by Hurricane Iota is becoming clear as communications are restored after the second Category 4 hurricane in two weeks to blast Nicaragua’s Caribbean coast.The official death toll rose to 16 in Nicaragua with victims swept away by swollen rivers or buried in landslides. Iota struck Monday evening as a Category 4 hurricane, hitting nearly the same location as Hurricane Eta two weeks earlier. By early Wednesday, Iota had dissipated over El Salvador. But the storm’s torrential rains remain a threat.Iota came ashore along almost exactly the same stretch of Nicaragua’s Caribbean coast that was devastated by an equally powerful Hurricane Eta just 13 days earlier.Iota had intensified into an extremely dangerous Category 5 storm during the day Monday, but the U.S. National Hurricane Center says it weakened slightly as it neared the coast late Monday and made landfall with maximum sustained winds of 155 mph (250 kph).Eta’s torrential rains saturated the soil in the region, meaning Iota's rains have nowhere to go and could cause deadly landslides. 1125

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

MALIBU, Calif. (KGTV) -- The devastating Woolsey Fire destroyed homes in Malibu Friday including one belonging to Caitlyn Jenner.By Friday afternoon, 14,000 acres burned, along with multiple homes, fire officials reported. Another 30,000 homes were threatened in Ventura County.Caitlyn Jenner's home was featured on her reality show "I Am Cait", according to KABC. It sat on a ridge overlooking the Malibu hills area, covering 3,500 square feet.RELATED: Interactive Map: See Woolsey, Hill Fire ZonesTMZ reported that Jenner has lived in the home in 2015 and had to deal with natural disasters before. Last year, winds up to 60 miles per hour tore the roof from the house.Jenner’s former stepdaughters, Kim Kardashian West, and Kourtney and Khloe Kardashian, also had to evacuate their homes in Calabasas."Pray for Calabasas," Kardashian West wrote on an Instagram story. "Just landed back home and had 1 hour to pack up & evacuate our home. I pray everyone is safe."Kardashian posted an update on twitter Friday about the home she shares with husband Kanye West. 1079

Meghan Markle is now a fully fledged member of the Church of England after the American actor was reportedly baptized and confirmed in a secret ceremony at St James's Palace in London this week.Archbishop of Canterbury Justin Welby administered the holy sacrament in a 45-minute service on Tuesday evening at the palace's Chapel Royal with her fiance, Prince Harry, by her side, UK media outlets reported, quoting the Daily Mail.Kensington Palace has not made a public statement but Prince Charles and his wife, the Duchess of Wales, were also said to have been among the handful of guests in attendance.Welby was reportedly asked to lead the service by Markle, 36, with whom he has developing a close bond after providing guidance on the rites and sacraments of the Church in recent weeks.As part of the ceremony, holy water from the River Jordan was poured on Markle's head, the Mail reported.It was not necessary for Markle -- who attended a Roman Catholic high school but was brought up Protestant -- to convert in order to marry Prince Harry, but she announced at the time of her engagement that she would do so anyway before their wedding in mid-May.Lambeth Palace, the official London residence of the Archbishop of Canterbury, decline to comment Thursday when asked about the service.Markle's formal acceptance into the Anglican Church is the latest arrangement by the royal couple ahead of their wedding in St George's Chapel at Windsor Castle in May.The move appears to be a mark of respect to the Queen Elizabeth II, who is the head of the Church of England.Catherine, the Duchess of Cambridge and wife of Harry's brother, William, was confirmed shortly before her wedding in 2011. Neither William or Catherine were present on Tuesday evening, the Mail reported.The decision to conduct the rite at the Chapel Royal at St James's Palace will hold special importance for Prince Harry. His body of his mother, Diana, the late Princess of Wales, lay there for a week prior to her 1997 funeral. More recently, it was the chapel chosen to host the christening of Prince George in 2013.Female empowerment 2116