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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

MARYVILLE, Tenn. – Ruby Tuesday has filed for Chapter 11 bankruptcy protection.The casual dining chain says it's pursuing a comprehensive financial and operational restructuring aimed at reducing the company’s current debt and enhancing operations to continue to serve guests in the future.In a statement, Ruby Tuesday CEO Shawn Lederman said the restructuring will allow the business to reposition for long-term stability as it recovers from the unprecedented impact of COVID-19.The restaurant says it will continue serving guests as usual, with increased distancing, cleaning and sanitization protocols in place to ensure safety and peace of mind in response to the COVID-19 pandemic.“This announcement does not mean ‘Goodbye, Ruby Tuesday,’” wrote Lederman.The company also notes that Ruby Tuesday gift cards and “So Connected Rewards” will continue to be valid and retain their value through the bankruptcy process.“Our restructuring demonstrates a commitment to Ruby Tuesday’s future viability as we work to preserve thousands of team member jobs,” Lederman continued in his statement. “Our guests can be assured that during the Chapter 11 process, we will continue to deliver welcoming service and provide a safe environment for guests and team members, while serving fresh, signature products that only Ruby Tuesday can offer. With this critical step in our transformation for long-term financial health – this is ‘Hello’, to a stronger Ruby Tuesday.”Though a timeline for the bankruptcy was not provided, the company says it intends to move through the process as quickly as possible. 1600

MELBOURNE, Fla. -- Wildlife conservation has long been a strong effort made by many organizations with volunteer help. But now with a limit on volunteers and a lack of funding, conservation efforts are stretched thin.“We have 72 miles of coastline that we will take turtles in from, and those 72 miles of coastline actually hold the largest population of nesting Loggerhead sea turtles in the world,” Jessica Patterson explained. She is the coordinator at the Sea Turtle Healing Center in Melbourne, Florida.The center takes in turtles found along this coast, helps them get back to health in this facility, and releases them. Turtles they temporarily name, like Perseverance and Jellybean. The number of turtles they take in can vary based on weather, human factors, and other animals.“A few years ago we actually had over 1,500 washback or post-hatchling turtles come in,” Patterson said. This year, COVID-19 has washed in some new issues.“My biggest concern is that we're seeing a lower amount of strandings this year. We as a community are not on the beach seeing them because a lot of people are opting to stay home to stay safe,” she said. That, and the people who take care of them.Due to health concerns and social distancing rules, the center went from having eight volunteers a day to three. On this day, two morning volunteers were feeding the turtles and giving them any needed medication.“A lot of the sea turtle rescues are probably struggling, again, in terms of personnel,” she said. However Patterson considers her team fortunate, because this center, unlike most, is part of a zoo.“This is sea turtle nesting season and hatchling season and we have not cut back on that work,” Keith Winsten, Brevard Zoo Executive Director, said. “A lot of places did have to dramatically cut their mission-based work but we have kept moving forward with it.”Brevard Zoo is a nonprofit zoo that is accredited by the Association of Zoos and Aquariums.“We’ve always said OK we’ll jump in with both feet to get her done, and we’ll figure out how to pay for it later,” he said. “We're having to figure out how to pay for things later right now as much as any place.”As with many businesses, the customer is their bread and butter.“Since 90 percent of our dollars are earned from people coming through the gate, that means we are down a really significant amount in terms of income,” Winsten said.“After reopening we realized we really needed to raise another million dollars to keep us fiscally sound,” he said.Another project the zoo helps with is the restoration and conservation of the Indian River Lagoon.“Which runs 156 miles north to south,” Jake Zehnder, Brevard Zoo Conservation Manager, said. “It is considered one of the most biodiverse estuaries in North America.” Zehnder works to help repair the lagoon, which lines right down the road from the zoo.“We work here in the Indian River Lagoon to help repair decades of damage and nutrient pollution,” he explained.However unlike the sea turtles, the funding for this project is a little more stable. “In Brevard County there's a sales tax for restoring the lagoon,” Winsten explained. “That allows us to keep moving through this pandemic.”They also rely on large groups of volunteers, but right now, large gatherings are not allowed due to COVID-19.Even with a lack of funding and helping hands, the health of the environment and local wildlife continue to be a priority.“Sea turtles are like the sentinels of ocean health. If you see a population of sea turtles dwindling in an area, it’s a good indicator that the health of that area is not doing very well,” Patterson said.“Every time we release a turtle, it's like a victory for the whole community. Everybody feels we’ve done something good to make up for the significant impacts we have,” Winsten said. He said the best way to help local zoos right now, is to visit and spend your money with them. 3918

MARATHON, Fla. (AP) — Officials say a pregnant woman jumped into the water to save her 30-year-old husband when a shark latched onto his shoulder as he was snorkeling in the Florida Keys.The attack happened Sunday morning along Sombrero Reef, off Marathon. Andrew Eddy had just gotten into the water when the shark bit into him.Deputies say the Atlanta man's wife, Margot Dukes-Eddy, dove into the water without hesitation and pulled him to safety.Medics waiting on the beach flew Eddy to Miami for treatment. His condition wasn't available, but deputies described the injury to his shoulder as severe.No one else was injured by the shark.The Monroe County Sheriff’s Office says the shark was described by witnesses as being 8 to 10 feet long.“This was a very rare medical crisis for the Florida Keys, but everyone came together — including those witnesses on the boat to 911 Communicators to all our emergency responders — in order to ensure this victim received life-saving care,” said Sheriff Rick Ramsay in a press release. 1035

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

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