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LOXAHATCHEE, Florida — Florida farmers fear they’ll continue to dig themselves further into financial holes because of cheap, subsidized produce coming into the country from Mexico. They don't believe the recently renegotiated trade agreement will change that.“It’s not the outcome that we’ve worked for," said Lisa Lochridge, of the Florida Fruit & Vegetable Association. "We still have a critical problem here in Florida. Family farms that have operated for generations are desperate to seek relief."Over the last couple of decades, Alderman Farms in Palm Beach County has seen big changes in the produce market because of the North American Free Trade Agreement, or NAFTA, which growers believe has allowed cheap, subsidized produce to flood the U.S."The trend is more economic growth here in Mexico and less here in Florida," Jimmy Alderman said.Even organic produce coming from Mexico is cheaper than what Alderman said he produces.“We’ve seen organic prices cheaper than our cost," Jimmy Alderman said. "We cannot maintain that average and be able to be successful.”The inability to compete with cheap produce from Mexico has caused some farms to close up, Lochridge said."We've seen companies in the last couple of seasons, operated for generations, that announced that they're shutting their doors," she said. "We expect more of that to continue if we don't get some trade reform that we need.""Every year two or three more family farms going out of business," Alderman said.Alderman said he was disappointed to hear the renegotiated agreement with Mexico and Canada doesn't include the trade reform for the produce industry he was looking forward to seeing."Unfortunately it feels like we’ve been left by the wayside one more time. We’ve almost been a sacrificial lamb," he said.Lochridge said the Florida Fruit and Vegetable Association wants to see more trade reform put into the new trade agreement to better protect Florida growers. There is a bill in Congress that could help accomplish this. 2023

MAUI, Hawaii (AP) — Authorities say the man killed by a shark in Hawaii this weekend was a 65-year-old resident of California.Shark warning signs are posted Sunday in the Ka'anapali Beach Park area on Maui where the man died.Witness Allison Keller tells Hawaii News Now that the man appeared unconscious as rescuers brought him to shore Saturday.Keller says the victim was missing his left leg from the knee down and skin was torn from his wrist.Hawaii's Division of Conservation and Resources Enforcement confirmed the man's age but did not release his name. Officials didn't say where in California he was from.The man's family told rescuers he had gone swimming in the area.The last fatal shark attack in Hawaii was in 2015, when a snorkeler off Maui was killed. 773

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

LOS ANGELES, Calif. – The mayor of Los Angeles is authorizing the city to shut off the utilities at homes and businesses that host large parties during the COVID-19 pandemic.Mayor Eric Garcetti made the announcement Wednesday, arguing that such large gatherings put the entire community at risk of contracting the deadly coronavirus.Garcetti says he will allow the city to shut off Los Angeles Department of Water and Power service in “egregious” cases, in which houses, businesses and other venues are hosting unpermitted large gatherings.“While we have already closed all nightclubs and bars, these large house parties have essentially become nightclubs in the hills,” said Garcetti. “Many times, the homes are vacant or used for short term rentals. And beyond the noise, traffic and nuisance, these large parties are unsafe and can cost Angelinos their lives.”Starting on Friday night, Garcetti says if the Los Angeles Police Department responds and verifies that a large gathering is occurring at a reoffending property, officers will provide notice and initiate the process to request that DWP shut off service within the next 48 hours.The mayor’s announcement came hours after a city councilman introduced a motion to increase penalties for property owners who hold large parties in violation of public health orders. Under the motion, penalties for these gatherings could also include utility shut offs.The city’s actions come after a deadly shooting at a mansion party on Tuesday, where police say a 35-year-old woman was killed and multiple other people were wounded, KNBC and KCBS report.The Los Angeles Public Health Department continues to advise residents to keep 6 feet apart from others, only gather with those you live with, wash or sanitize hands often, and always where a mask when leaving home. 1821

MAMMOTH LAKES, Calif. (AP) — The Mammoth Mountain resort in California's Eastern Sierra says it has had its snowiest May on record and skiing and boarding will continue into August.The resort said Friday the 29 inches (73.6 centimeters) that has fallen so far this month bests the old mark set in May 2015.Another 6 to 12 inches (15.2 to 30.4 centimeters) of snow is expected to fall on Sunday.RELATED: May snowfall in San Diego: Mount Laguna picks up more snowThe resort had so much snow during winter that it announced skiing and boarding would continue through the Fourth of July weekend. It now plans to extend the season into August, with no specific end date set.As of Friday, Mammoth had a season accumulations of 715 inches (1,816 centimeters) at the summit, and 489 inches (1,242 centimeters) at the main lodge. 828