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Marvel Studios and the director of Black Panther released emotional tributes for Chadwick Boseman following his death.Boseman was cast as Black Panther in the Marvel Studios movie “Captain America”, then appeared as the character in his own movie, then two “Avengers” movies in addition to cast appearances. The video tribute from Marvel Studios has interviews with cast members talking about him as an actor and working alongside him.It also has clips from Boseman himself talking about playing the iconic character.“It’s fun to watch just what it means to people. At times, like in my head, I’ll be like ‘well, what does this do for the world, like actually, is it actually valuable in this climate?’ And I have to say yes. It actually is. Not because it makes people escape. I think when done right, it gives people hope. I found that it means a lot,” Boseman says in the video.Black Panther director, Ryan Coogler, released a statement to the media following news of Boseman’s death, in which he called the actor “calm. Assured. Constantly studying. But also kind, comforting, had the warmest laugh in the world, and eyes that seen much beyond his years, but could still sparkle like a child seeing something for the first time.”Coogler says he will miss working with Boseman and that he spent the last year preparing lines for him they will never work on.“It hurts more to know that we can’t have another conversation, or facetime, or text message exchange. He would send vegetarian recipes and eating regimens for my family and me to follow during the pandemic. He would check in on me and my loved ones, even as he dealt with the scourge of cancer,” Coogler wrote.An announcement of Boseman’s death was made Friday, also sharing the actor was privately battling colon cancer. He was 43. 1801

LOUISVILLE, Ky. (AP) — Police say 87 demonstrators who gathered at the home of Kentucky's attorney general to demand justice for Breonna Taylor have been arrested. News outlets report protesters with the social justice organization Until Freedom gathered Tuesday for a sit-in at the home of Daniel Cameron. Police say they were charged with the felony crime of "intimidating a participant in a legal process"; disorderly conduct, and trespassing. Taylor was fatally shot by police on March 13 during a narcotics investigation. Her death set off weeks of protests and calls for the officers to be charged. Among those arrested were Kenny Stills, a wide receiver for the Houston Texans, and Porsha Williams of "Real Housewives of Atlanta."Stills tweeted a picture of his mugshot. 785

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

MEDINA, Ohio — Police believe the potential active shooter situation at Cleveland Clinic-Medina Hospital was a hoax. The all-clear was given around 3:30 p.m.Medina police chief Edward Kinney said they got a call at 1:30 p.m. that there was a woman with a gun in a medical building next to the hospital. Police secured the hospital and searched the facility floor-by-floor. Kinney said they believe it was a hoax and they are trying to find the person responsible. He said the individual will face arrest and prosecution. They had 150 law enforcement officers at the scene. Police asked that the public avoid the hospital until police gave the all clear. The Cleveland Clinic tweeted out about the situation at 2:23 p.m.: 763

Louisville Mayor Greg Fischer announced that a citywide curfew will be extended through the weekend as unrest in the city reignited on Wednesday.The demonstrations were sparked by a grand jury announcement that charges would not be filed against the two officers who shot and killed Breonna Taylor during a March raid.The curfew will continue from 9 p.m. to 6:30 a.m. every day through Monday. The curfew does not apply to people commuting to work, house of worship for services or seeking medical attention for themselves or others.The city has also closed some of the city’s downtown government facilities through Monday morning.On Wednesday, 127 arrests were tied to demonstrations in the city. Amid the unrest, two Louisville Metro Police officers were wounded by a gunman. A suspect, Larynzo Johnson, was arrested on Wednesday. Johnson is accused of shooting the two officers who were patrolling demonstrations in the city. 936