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MIAMI, Fla. – The extremely active 2020 Atlantic hurricane season came to an end Monday and coastal communities are breathing a sigh of relief.However, while the hurricane season officially concludes on Nov. 30, that doesn’t necessarily mean the United States is out of the woods. The National Oceanic and Atmospheric Administration (NOAA) says tropical storms may continue to develop past that day.Even without more storms, this season has been historic. We saw a record-breaking 30 named storms and 12 landfalling storms in the continental U.S., according to the NOAA. Before this year, the 2005 season held the record for the most named storms, with 28.Of this season’s 30 named storms, 13 of them became hurricanes, meaning winds were 74 mph or greater. Six of those were considered major hurricanes, with winds reaching at least 111 mph: Laura, Teddy, Delta, Epsilon, Eta, and Iota.Because the 2020 season got off to an early and rapid pace, officials quickly exhausted the 21-name Atlantic list when Wilfred formed in September.So, for only the second time in history, the Greek alphabet was used for the remainder of the season, extending through the ninth name in the list, Iota.“The 2020 Atlantic hurricane season ramped up quickly and broke records across the board,” said Neil Jacobs, Ph.D, acting NOAA administrator. “Our investments in research, forecast models, and computer technology allowed forecasters at the National Weather Service, and its National Hurricane Center, to issue forecasts with increasing accuracy, resulting in the advanced lead time needed to ensure that decision makers and communities were ready and responsive.”NOAA says this was the fifth consecutive year with an above-normal Atlantic hurricane season, with 18 above-normal seasons out of the past 26.Scientists attribute the increase in activity to the warm phase of the Atlantic Multi-Decadal Oscillation (AMO), which NOAA says began in 1995 and has favored more, stronger and longer-lasting storms. These kinds of eras have historically lasted about 25 to 40 years.“As we correctly predicted, an interrelated set of atmospheric and oceanic conditions linked to the warm AMO were again present this year. These included warmer-than-average Atlantic sea surface temperatures and a stronger west African monsoon, along with much weaker vertical wind shear and wind patterns coming off of Africa that were more favorable for storm development. These conditions, combined with La Nina, helped make this record-breaking, extremely active hurricane season possible,” said Gerry Bell, Ph.D, lead seasonal hurricane forecaster at NOAA’s Climate Prediction Center.Looking forward, the 2021 hurricane season will officially begin on June 1 and NOAA will issue its initial seasonal outlook in May. 2787

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

Melania Trump is slamming Joe Biden, Democrats, and the media as she campaigns for her husband in Pennsylvania.WATCH RECAP:In her first solo appearance of the presidential campaign, Mrs. Trump says Democrats focused on a “sham impeachment” instead of the coronavirus pandemic. "The Democrats have decided to put their own agenda ahead of the American people's well-being," Melania said. "Instead, they attempt a divide, a divide on something that should not be non-partisan. A divide that causes confusion and fear instead of hope and security."She denounced what she called Biden’s “socialist agenda” and criticized media coverage of “idle gossip and palace intrigue.”Melania Trump also defended President Donald Trump’s record on COVID-19 even as he continues to downplay the threat of a virus that has killed more than 226,000 Americans."We all know the American spirit is stronger than this virus," the First Lady stated to the crowd in Pennsylvania. "We have proven that we can and will overcome this unexpected challenge."Her husband's chief of staff, Mark Meadows, said over the weekend that the U.S. is not going to be able to contain the virus.The first lady’s event 50 miles (80 kilometers) west of Philadelphia drew a couple of hundred supporters who piled into a converted barn typically used for wedding receptions. The overwhelming majority wore masks, but there was little social distancing.Mrs. Trump was diagnosed with the coronavirus earlier this month along with her husband, and she decided against attending a rally with the president last week because she was still feeling lingering symptoms. 1623

Mardi Gras might look a bit different in 2021.Due to it being a religious holiday, the city cannot cancel Mardi Gras, but celebrating it safely amid the coronavirus pandemic is a different matter.According to the City of New Orleans' Mayor LaToya Cantrell Mardi Gras 2021 FAQ page, there will be zero parades occurring in New Orleans because "large gatherings have proven to be super spreader events of the COVID-19 virus.The official Twitter page of the city's government tweeted that Mardi Gras, which occurs the day before Ash Wednesday, "is different, not canceled.""Mardi Gras is more than just king cakes and beads, it is a religious holiday," the tweet reads. "A season of traditions that we celebrate every year, a time that the community comes together informal, fun, and often unexpected ways." 812

McDonald's announced it's tripling the amount of scholarship money it's offering to its employees to help them get a college degree.Eligible crew members can receive up to ,500 per year and managers can make up to ,000 a year, up from 0 and ,050 respectively.One of the workers who has taken advantage of the program is Jackie Southam from Henderson, Nevada. She's been working at McDonalds for the past 8 years.During that time, she's risen to become a manager, and she's also gotten help from McDonald's to earn a bachelor's degree from Nevada State in biology with a minor in chemistry.With the additional funding increase, she's planning to go back this fall and pursue a master's degree in public health.Her goal is to become an epidemiologist and work for the Centers for Disease Control.She says she's had to pay her entire way through school working two jobs, and the scholarship from McDonald's helped her get through.Right now, UNLV costs around ,100 a semester for state residents, and the College of Southern Nevada is around ,400, plus other costs like books and transportation.McDonald's isn't alone though. Working for several other large companies can also help you get assistance with tuition. Best Buy, Walmart, Verizon, and Bank of America all offer similar types of help.  1333