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MIAMI, Fla. — A Florida man was arrested and charged after authorities say he bought a sports car with Paycheck Protection Program (PPP) loans.Officials say David Hines, 29, was charged with one count of bank fraud, one count of making false statements to a financial institution and one count of engaging in transactions in unlawful proceeds.The complaints allege that Hines asked for around .5 million in PPP loans through applications to an insured financial institution for different companies. He received .9 million in PPP loans.The complaint says Hines submitted fraudulent loan applications that made numerous false and misleading statements about the companies' payroll expenses.He used those funds, in part, to buy a 8,000 2020 Lamborghini Huracan sports car for himself. Authorities later seized the car and .4 million from bank accounts at the time of the arrest.PPP loans were designed to provide emergency financial assistance to millions of Americans suffering from economic effects from the COVID-19 pandemic.This article was written by Lisette Lopez for WFTS. 1094

Many schools across the country have put brand new cleaning and disinfecting procedures in place to welcome students back during the coronavirus pandemic. With Election Day, some schools prepared to welcome a new group of people: voters."We are the third district in the state of Kentucky. We are 15 minutes outside of Cincinnati so we are the southern suburb of Cincinnati, so we have 25 schools in Northern Kentucky in this district which, for 7 of them, almost one-third are being used as polling places," said Barbara Brady with Boone County Schools.Boone County Schools prepped four high schools, two middle schools and one elementary school so voters could cast their ballots. A number of school districts nationwide will be doing the same, at a time when protecting students and the public from COVID-19 is a priority."Before, after and during. The spaces used are the gymnasiums so obviously it's a big open space. They’ll be cleaned and sanitized as they normally are even during school so it’ll be before, during and after because the kids will be back in school the next day," said Brady.Boone County Schools and the county government will split the cost of a custodian to disinfect the polling area. In Madison, Wisconsin, City Clerk Maribeth Witzel-Behl is providing each polling place, which includes schools, with a stipend to help with added cleaning costs. In Madison, poll workers will also help sanitize throughout the day."We did want to acknowledge that these facilities are stepping up and opening their doors to voters in the midst of a pandemic and will have some extra expenses because of that community commitment that they're making," said Witzel-Behl."There'll be hand sanitizer, cleaning wipes, anything that anyone wants to use that’s in there while they’re voting, as well. So, they’ll at least have something to use if they feel someone just touched this instrument or table that I touched, they’ll have the option to use hand sanitizer or some antibacterial wipes," said Brady.Brady says there was also a school resource officer on hand to ensure proper procedures were followed. 2120

Millions of older Americans are growing old all alone. As Baby Boomers age, and start losing loved ones, loneliness can take its toll.The issue is becoming such a concern some national organizations are stepping in.“This was the one thing I said when I retire, I want to do Meals on Wheels,” says volunteer Donna Reuss.Reuss has been volunteering for the organization Meals on Wheels for six years. She not only brings seniors a free meal, but she’s often the only person they really interact with for weeks at a time.“One of the things that really surprised me when I first started this was how many seniors live alone,” Reuss says.Loneliness can have a big impact on their health. Research shows that lacking social connections can be as harmful to someone’s health as smoking 15 cigarettes a day.“It's a much bigger problem I think than people realize,” says Mary Lee Anderson, with Senior Services of Alexandria.Anderson’s nonprofit organization helps deliver food for Meals on Wheels. She’s helping with a new pilot project that lets volunteers delivering meals use a cell phone app to report any changes in behavior or concerns they notice while visiting with a senior.“It lets our volunteers, if they notice a problem, report it right on their phone,” she explains. “That information is sent back to us at the office and we can then contact the individual who is responsible, a family member or their city social worker if they don't have a close family member.”The pilot program is currently being tested in 10 cities across the country, and it’s expected to expand to another 50 cities early next year. 1619

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, nearly 16 months into her tenure as first lady, has at last revealed her formal platform: "Be Best." The comprehensive program will focus on three main points -- well-being, fighting opioid abuse and positivity on social media -- and is the culmination of the past several months of Trump's various public events, all of which centered around helping children."As a mother and as first lady, it concerns me that in today's fast-paced and ever-connected world, children can be less prepared to express or manage their emotions and oftentimes turn to forms of destructive or addictive behavior such as bullying, drug addiction or even suicide," she said during a Rose Garden event Monday."I feel strongly that as adults we can and should be best at educating our children about the importance of a healthy and balanced life," the first lady said.Trump has in recent weeks experienced a significant surge in support, a new CNN poll revealed Monday, including among women and Democrats.In a poll conducted by SSRS last week, 57% say they have a favorable impression of Trump, up from 47% in January. This is the biggest number Melania Trump has experienced in any CNN polling, and higher than any favorability rating earned by President Donald Trump in CNN polling history going back to 1999.Twenty-seven percent of respondents have an unfavorable view of the first lady.The platform pillars she revealed during her 10-minute speech in the White House Rose Garden include well-being, encompassing healthy living as well as emotional health; opioid abuse, including bringing awareness to neonatal abstinence syndrome and emphasizing the importance of healthy pregnancy; and social media, where Trump plans to encourage kids to use the internet in positive ways, tamping down cyberbullying and negativity.The last of these issues has been a lightning rod of controversy for Trump, whose husband is perhaps one of the most public, and prolific, offenders of name-calling on Twitter.Sitting in the front row, feet from his wife at the podium, the President listened as the first lady cautioned against using the very behavior Trump displays, sometimes on a daily basis."As we all know, social media can both positively and negatively affect our children. But too often, it is used in negative ways," said Trump. "When children learn positive online behaviors early on, social media can be used in productive ways and can affect positive change."Asked about the President's online behavior earlier Monday, White House press secretary Sarah Sanders rejected the suggestion that he has fostered a climate where cyberbullying exists."I think the idea that you're trying to blame cyberbullying on the President -- when it comes to kids this is something that has been problematic and something that we have seen over the last decade," Sanders said.At the end of the event, Trump did not take questions, and her spokeswoman indicated the first lady will not be doing any interviews. Trump's only one-on-one televised interview as first lady was with CNN last year in China. 3102