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Major League Baseball announced on Wednesday that it was elevating seven early 20th century all-Black baseball leagues — known collectively as the "Negro leagues" — to "Major League" status.The move recognizes the players in those leagues — who were prevented from playing for National or American League clubs because of racist "color barriers" — as Major League players and formalizes any surviving records or statistics from those leagues.Between the late 19th century through 1947, owners of National and American League clubs mutually agreed not to hire any Black ballplayers. As a result, Black people started their own baseball leagues, filled with teams and players across the country.Jackie Robinson finally broke the MLB's color barrier in 1947, when he began playing with the Brooklyn Dodgers. Over the next 12 years, MLB teams gradually began integrating their teams with the top Black players, eventually signaling the end of the Negro leagues.The MLB had previously inducted 35 players into the Baseball Hall of Fame. But with Wednesday's decision, MLB officially declared that the level of play in many of the Negro leagues was comparable to its own and bestowed the title of "Major Leaguer" to thousands of Black ballplayers who were not offered the opportunity to play with white players.According to MLB.com, the MLB has granted "Major League" status to the following all-Black leagues: Negro National League (I) (1920-31), the Eastern Colored League (1923-28), the American Negro League (1929), the East-West League (1932), the Negro Southern League (1932), the Negro National League (II) (1933-48) and the Negro American League (1937-48)."All of us who love baseball have long known that the Negro Leagues produced many of our game's best players, innovations and triumphs against a backdrop of injustice," MLB Commissioner Rob Manfred said in a statement. "We are now grateful to count the players of the Negro Leagues where they belong: as Major Leaguers within the official historical record."The MLB and its official statisticians at Elias Sports Bureau have now begun integrating the various leagues' records into MLB records. The integration could have some significant outcomes on current records lists — for instance, Black players like Josh Gibson, Jud Wilson, Oscar Charleston and Turkey Stearnes may soon be added to the top 10 all-time batting averages list, which would push players like Ted Williams and Babe Ruth out of the top 10.Negro Leagues Baseball Museum president Bob Kendrick applauded the MLB's decision on Wednesday."For historical merit, it is extraordinarily important," Kendrick said, according to MLB.com. "Having been around so many of the Negro League players, they never looked to Major League Baseball to validate them. But for fans and for historical sake, this is significant, it really is. So we are extremely pleased with this announcement. And for us, it does give additional credence to how significant the Negro Leagues were, both on and off the field." 3021

MIAMI (AP) — Tropical Storm Wilfred has formed in the eastern Atlantic, becoming the latest storm in an active hurricane season. The storm’s maximum sustained winds Friday morning are near 40 mph. The U.S. National Hurricane Center says slight strengthening was possible during the day but weakening should start over the weekend. Wilfred was centered about 630 miles west-southwest of the Cabo Verde Islands and was moving west-northwest near 17 mph. 460

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 (CNS) - Santa Ana winds were expected to continue to plague firefighters battling the deadly Woolsey Fire in Los Angeles and Ventura counties Tuesday as officials re-emphasized to evacuated residents that they must stay away until the area has been declared safe.Winds of 25 to 35 mph were forecast to blow with gusts of 40 to 45 mph, National Weather Service Meteorologist Joe Sirard said. Those wind speeds are likely to drop to 25 to 30 mph Tuesday night into Wednesday with gusts to 40 mph.That prompted the NWS to continue its Red Flag Warning through 5 p.m. Wednesday for the Woolsey Fire area in Los Angeles and Ventura counties -- except Malibu, where the Red Flag Warning is set to expire at 5 p.m Tuesday. High temperatures of 70s to low 80s are predicted through Wednesday with lows near freezing ``in wind-sheltered areas,'' Sirard said.The latest Woolsey Fire update from Cal Fire had at least 435 structures destroyed, 24 structures damaged and the estimated number of structures still threatened about 57,000.The blaze has burned about 93,700 acres and was 30 percent contained, with full containment not expected until Thursday, Cal Fire said. The two people who died were found inside a burned vehicle in a long driveway in the 33000 block of Mulholland Highway.``It's the feeling of homicide detectives that the driver became disoriented and the vehicle was overwhelmed by the fire,'' sheriff's Chief John Benedict said.Three firefighters have been injured battling the Woolsey Fire. And Malibu City Councilman and Mayor Pro Tem Jefferson ``Zuma Jay'' Wagner was recuperating at a hospital from conditions related to his unsuccessful efforts to save his home Friday night.Firefighters were focused on making sure any hot spots in Malibu Canyon don't cross into Topanga Canyon, because a falling ember has more than a 90 percent chance of igniting brush, authorities said.Some 3,592 firefighters were assigned to battle the blaze, while, 22 helicopters worked from above, officials said. A total of 619 engines, 48 water tenders, 23 bulldozers and 57 hand crews were sent into the battle, Cal Fire reported. Crews from other areas, including Orange County and Arizona, also sent firefighters and equipment to aid the battle.The continuing danger prompted Los Angeles County officials to re-issue a warning to residents in evacuated areas to stay away until conditions are deemed safe.``Although it may appear that fire threats have passed in some communities, officials warned that the situation remains unstable and can shift dangerously with changes in wind patterns and other unpredictable factors,'' the advisory noted. Officials noted there are downed power poles and live power lines, live embers that could reignite, buckled roads, landslides and unstable ground, massive debris, unhealthy air quality, poor visibility and now power or cell phone access.While some evacuation orders for county communities remained in effect, all mandatory evacuation orders for the City of Los Angeles were lifted as of 7:47 p.m. Monday, authorities said.The Los Angeles County Sheriff's Department also announced that people were returning to their homes in Agoura Hills, Westlake Village, Oak Park, North Ranch and Newbury Park residents affected by the fire. Cal Fire announced Monday evening that evacuation orders have now been lifted for West Hills in Los Angeles and Bell Canyon in Ventura County.But the entire city of Calabasas remained under mandatory evacuation orders Tuesday.Despite messages to the contrary on social media, officials are not escorting residents back into the evacuated areas to retrieve medications, Los Angeles Police Lt. Eric Bixler said.Malibu City Councilman Skylar Peak has asked people to refrain from attempting to get back into Malibu by boat. A community meeting for Malibu-area evacuees was scheduled for Tuesday night at Santa Monica High School's Barnum Hall.The sheriff's department has repeatedly tried to reassure residents that their homes would be safe from looters, with 500 to 600 deputies on 12-hour rotational shifts.Northbound and southbound Ventura (101) Freeway from Valley Circle Boulevard remained open. Pacific Coast Highway remained closed to all traffic from the Ventura/Los Angeles County line to Sunset Boulevard.The fire has also closed libraries in Agoura Hills, Malibu, Topanga and Westlake Village. There's no word yet on when the libraries would reopen.The California Public Utilities Commission was investigating Southern California Edison for its possible role in the fire.According to CPUC, electrical infrastructure may have suffered malfunctions near ground zero of the blazes two minutes before they began.The agency also is investigating PG&E for its possible role in the Camp Fire in Butte County, which has burned 113,000 acres and resulted in at least 42 deaths.Chris Thompson of SCE said there were 13,000 customers who initially lost power, mostly in Malibu, and now that number has been reduced to 9,000.He also said that it will take time to replace the telephone poles destroyed by the fire, especially in canyon areas. He said they will need to use a helicopter to bring in the new poles. ``We can't just drive poles in on a truck to those areas,'' he said.The fire -- which began Thursday afternoon -- has forced the evacuation of at least 75,000 homes and an estimated 265,000 people in L.A. and Ventura counties as it consumed multimillion-dollar mansions and mobile homes.In Malibu, Pepperdine University said the school's Malibu and Calabasas campuses would remain closed through Thanksgiving. All Malibu schools in the Santa Monica Malibu Unified School District will remain closed until at least Thursday, the district announced. City officials said there will likelybe intermittent power outages due to weather and fire conditions.Fire information for Los Angeles County can be found at www.lacounty.gov/woolseyfire. Malibu also has established a website to update fire information at www.malibucity.org/woolsey.The Conejo Unified School District, which includes parts of Los Angeles and Ventura counties, closed its schools for Tuesday after inspectors found that at least two schools required major clean-up.The Federal Aviation Administration sent a tweet reminding drone operators that they could face severe civil penalties and potential criminal prosecution for flying drones over fire areas.Officials with the Santa Monica Mountains National Recreation Area are trying to account for the 13 mountain lions they are tracking with GPS collars. They said eight of the cougars are alive and moving but they have received no transmissions since the fire began from five of them. They also have been unable to locate four bobcats. The park is closed due to wildfire danger.In an about face from Twitter attacks last week against California's forest management, President Donald Trump has tweeted that he has approved an ``expedited request'' for a major disaster declaration for California.``Wanted to respond quickly in order to alleviate some of the incredible suffering going on. I am with you all the way. God bless all of the victims and families affected,'' Trump said.Firefighters made progress on the much smaller Hill Fire north of Malibu and south of Simi Valley in Ventura County. That wildfire, which has consumed about 4,500 acres and destroyed two structures, was 80 percent contained. No civilians or firefighters were killed or injured and fullcontainment was expected Wednesday. 7519

Medical offices around the country are opening back up for routine health checks and they're facing a huge problem; there's still a shortage of protective gear. Now, many are spending huge amounts of money restructuring the way they operate to keep themselves and their patients safe.On a window ledge at ENT and Allergy Associates in White Plains, New York, sits a number of brown paper bags. Inside, face masks labeled for each physician.“We have paper bags on our window sills with a bunch of masks. In there, we have 3-4-5 masks we’re rotating through. Those have to be kept covered to protect them from splatter or anything because once they get dirty, then they have to be thrown out,” Dr. Daniel Gold said. “We circulate gowns as well.”Gold is an E.N.T., which is the medical and surgical choice for anything having to do with the ears, nose or throat. It's a profession that is very much in your face, so protective gear is of utmost importance.“After wearing them for 5-10 minutes, you get short of breath and you’re like this is really hard,” he said.Doctors like Gold are having a hard time getting more gear. In fact, Dr. Gold often uses shields that are designed for sheet metal work because medical grade equipment is back ordered, or entirely unavailable. A surgical mask which once cost 30 or 40 cents now costs to .50.They've also found that knockoffs are being sold.“Not made of same material, not sealing against the face, and some had seam lines and then when you really looked, you’d realize there were holes through the seam lines that’s not blocking 95%,” Gold said. “You’re better wearing a t-shirt mask.”Dr. Gold is far from alone on this issue. It's a statewide and nationwide problem. Dr.Bonnie Litvack is the president of the Medical Society, State of New York.“That is an absolute mess because we can’t deliver the care if we don’t have the resources and the mask is ground zero for that,” Said Dr. Bonnie Livtack, the president of the Medical Society of the State of New York.When asked about whether they were able to negotiate for price on PPE, Litvack said, “With the various companies they either have it or they don’t, or you pay the prices or you don’t.”Dr. Litvack joined other state medical societies in the country by sending a letter to the Senate. They're asking the government to step in."We urge Congress to prioritize the production, distribution, and availability of PPE and testing, and accelerate efforts to conduct contact tracing,” the letter read. “All of these are essential to the safe reopening of medical practices and the economy and must be prioritized for all health care workers."They're also asking for financial help as their costs to operate, while seeing half the patient volume, are mounting.“These additional precautions and equipment is running us about per patient,” Dr. Gold said. “It’s about a million in extra overhead a month just in these extra masks, and gowns, and gloves and wipes. All these other things, which nobody could have thought to budget in because who would have thought we’d have to consider every patient highly infectious.”It's a new way of operating, as everyone is learning how to function in our new, post-pandemic world. 3229

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