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LOS ANGLES (AP) — Authorities say former “Glee” star Naya Rivera is missing and being searched for at a Southern California lake.The Ventura County Sheriff’s Department late Wednesday confirmed that 33-year-old Rivera is the person being searched for in the waters of Lake Piru, which is approximately 56 miles northwest of downtown Los Angeles.The search for Nivera was temporarily called when it got dark, but it resumed Thursday morning. 448

LOUISVILLE, Ky. — Louisville, Kentucky, has banned the use of controversial "no-knock" warrants and named the new ordinance for Breonna Taylor.Taylor was fatally shot by Louisville officers who burst into her home in March. Her death, along with the deaths of Ahmaud Arbery and George Floyd, have sparked a largely peaceful protest movement across the country, calling for significant changes in policing and an end to systemic racism.Louisville Metro Council unanimously voted Thursday night to ban the controversial warrants after days of protests and calls for reform. According to NPR, the law also requires police to wear body cameras when serving warrants and turn them on five minutes before entering a person's home.Taylor was killed on March 13 when police served a no-knock warrant on her home as part of a narcotics investigation. Taylor's boyfriend, Kenneth Walker, fired at police, thinking they were intruders. Police returned fire and shot Taylor dead.No drugs were found at her home. No charges have been filed in connection to Taylor's death.Taylor's mother, Tamika Palmer, said the new law will save lives.Kentucky Sen. Rand Paul also introduced federal legislation Thursday that would ban the use of no-knock warrants nationwide. 1256

Mick Mulvaney, the director of the Office of Management and Budget, will become the acting White House chief of staff replacing John Kelly, President Donald Trump announced on Friday."I look forward to working with him in this new capacity as we continue to MAKE AMERICA GREAT AGAIN! John will be staying until the end of the year. He is a GREAT PATRIOT and I want to personally thank him for his service!" Trump tweeted.Trump appointed Mulvaney to the position in an acting role about a week after Vice President Mike Pence's chief of staff Nick Ayers declined Trump's offer to become chief of staff, refusing to agree to a two-year time commitment the President had requested.Mulvaney will step down from his role as OMB director, a White House official said.Trump tapped Mulvaney for the position as one candidate after the next withdrew from consideration or agreed with the President to take themselves out of the running, including earlier this week Rep. Mark Meadows of North Carolina and former New Jersey Gov. Chris Christie.Mulvaney had indicated that he was not inclined to take the position of White House chief of staff, with a source close to him instead indicating Mulvaney was interested in moving up to Treasury secretary or secretary of Commerce. 1282

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

MALIBU (CNS) - Santa Ana winds are forecast to pick up more Monday than Sunday and may continue into Wednesday as firefighters battling the deadly Woolsey Fire in Los Angeles and Ventura counties work to hold the blaze within cleared containment lines and officials worry that unburned areas continue to pose potential danger.At last word from Cal Fire, the blaze had burned 85,500 acres and was 15 percent contained by cleared vegetation. The total number of structures threatened remained at about 57,000. The number of structures destroyed held at 177, with hundreds more considered likely. Full containment was expected by Nov. 17. Two people have died and three firefighters have been injured battling the blaze.More than 3,200 firefighters were assigned to the blaze and 22 helicopters worked from above, officials said. A number of air tankers were in use to suppress flames as conditions allowed.Santa Ana winds Monday could be a bit stronger than Sunday and heavier gusts could follow Tuesday,  National Weather Service Meteorologist Curt Kaplan said. Today's wind gusts could last longer into the afternoon as well.Winds in mountain areas could average 50-60 mph and gust to 70 mph Tuesday and foothill and coastal areas are expected to see 35-50 mph winds, Kaplan said.  A Red Flag Warning remained in effect for Los Angeles and Ventura counties through Tuesday, when winds will be strongest in the mornings and early afternoons, giving firefighters a nightly reprieve. That Red Flag Warning could be extended into Wednesday as winds could be stronger than earlier expected, he said.While most evacuation orders remained in effect, the sheriff's department announced that repopulation has begun for Agoura Hills and Westlake Village residents affected by the fire.The California Highway Patrol Sunday night reopened the northbound and southbound Ventura (101) Freeway from Valley Circle Boulevard with the offramps at Cheseboro Road, Kanan Road, Reyes Adobe Road and Lindero Canyon reopening. Pacific Coast Highway remained closed to all traffic from the Ventura/Los Angeles County line to Sunset Boulevard.Los Angeles County Fire Chief Daryl Osby told a media gathering that crews were working around the clock to build containment lines, knock down flare-ups and update damage numbers. He said there are no new figures yet as to the number of structures destroyed, but noted: ``That number will increase.''Osby said there were flare-ups in several canyons as winds kicked up Sunday, but none outside the footprint of where the fire already had burned.Osby credited the Los Angeles Fire Department with keeping areas to the south, especially in Bell Canyon, ``buttoned up'' employing some 50 engines on the fire's flank to keep it from spreading south of Mulholland Highway into Pacific Palisades and Topanga Canyon.He told reporters, ``To my understanding, we have lost no structures today.''Osby and others expressed frustration with residents who failed to evacuate, saying they were hindering firefighters, and urged residents to stay away.He warned evacuating residents to be careful of landslides and to watch out for many downed power lines that could still be live.And despite messages to the contrary on social media, officials are not escorting residents back into the evacuated areas to retrieve medications, Los Angeles police Lt. Eric Bixler said.While some residents will soon be heading home, Calabasas City Manager Gary Lysik issued a statement Sunday evening on social media informing residents of Calabasas that the entire city was now under mandatory evacuation orders.``For your safety and the safety of your family, please collect necessary person items and evacuate the city as quickly as possible, and please follow instructions provided by law enforcement,'' Lysik said. He also said that residents can get the latest information about the city's situation on the website www,cityofcalabasas,com.A town hall meeting about the fire was held Sunday at Taft Charter High School and attended by hundreds of concerned residents from the west San Fernando Valley down to Malibu. The tense, standing room only crowd was given briefings by representatives of law enforcement, fire departments, school districts, utilities and politicians.Sheriff's deputies have been put on 12-hour rotational shifts, with 500 to 600 deputies available to patrol the affected areas, Los Angeles sheriff's Chief John Benedict told the town hall crowd.Benedict also said the badly burned bodies of two people were found inside a burned vehicle in a long driveway in the 33000 block of Mulholland Highway.``It's the feeling of homicide detectives that the driver became disoriented and the vehicle was overwhelmed by the fire,'' Benedict said.Questions were raised online and at the town hall regarding the possible danger of radioactive dust posed by the fire since it had burned through the former Rocketdyne site at the Santa Susana field. And many residents expressed frustration at not knowing when they would be able to return to their homes.A representative from the state's Department of Toxic Substances and Control told the crowd that his office had sent a monitoring team to the area that found no evidence of radioactive ash posing a threat. He said the team would continue monitoring the site for problems. However the DTSC representative did not stay to take questions.Malibu City Councilman Skylar Peak said residents can not re-enter Malibu for safety reasons until the mandatory evacuation order is lifted. He also asked those people to refrain from attempting to get back into Malibu by boat.There are still about 3,500 students sheltered at Malibu's Pepperdine University, Benedict said, bringing an angry reaction from a number of Malibu residents who asked if resources were being diverted from protecting houses in Malibu to protecting Pepperdine University.Los Angeles County Fire Chief David Richardson tried to quell the anger by explaining the situation at Pepperdine.``Pepperdine has a long-standing understanding with the county fire and sheriff's departments,'' Richardson said. ``Pepperdine is a large facility that can support a large number of people. It was a viable option.''He also told the crowd that a ballpark figure for their return to Malibu was three to five days.David Peterson of the Las Virgenes Water District told people they were doing their best to keep supplying water to the district.He said the LVWD experienced a power outage at one point , but it quickly was repaired by Southern California Edison. He also said because of the electrical problems caused by the fire, the water district had now issued a ``boil water advisory'' for parts of the district. A similar advisory was issued by Los Angeles County Water District No. 29.Chris Thompson of Southern California Edison said there were 13,000 customers who initially lost power, mostly in Malibu, and now that number has been reduced to 9,000.He also said that it will take time to replace the telephone poles destroyed by the fire, especially in canyon areas. He said they will need to use a helicopter to bring in the new poles. ``We can't just drive poles in on a truck to those areas,'' he said.For residents waiting and watching to hear about their homes, law enforcement offered reassurances about patrol presence.There were ``zero incidents of looting or burglary in the affected areas,'' Bixler said.Peak said more than 50 homes have been lost in the Point Dume area, and more than half the city was without electricity Sunday.Officials said City Councilman and Mayor Pro Tem Jefferson ``Zuma Jay'' Wagner was recuperating at a local hospital from conditions related to his efforts to save his home on Friday night during the Woolsey Fire.The fire -- which began Thursday afternoon -- has forced the evacuation of at least 75,000 homes and an estimated 265,000 people in both counties as it indiscriminately consumed multimillion-dollar mansions and mobile homes. The cause remained under investigation, Cal Fire said.Pepperdine University announced Sunday that the school's Malibu and Calabasas campuses would remain closed through Thanksgiving.All Malibu schools in the Santa Monica Malibu Unified School District will remain closed until at least Thursday, the district announced.The City of Malibu reported that all mandatory evacuation orders remain in effect until further notice. Active fires were still burning in Malibu, and the city said there will likely be intermittent power outages due to weather and fire conditions.Fire information for Los Angeles County can be found at www.lacounty.gov/woolseyfire . Malibu also has established a website to update fire information at www.malibucity.org/woolsey .The superintendent of the Las Virgenes Unified School District in Calabasas said district leaders were meeting to assess air quality and overall safety issues before issuing a districtwide email to families about the school schedule for the rest of the week.The Conejo Unified School District, which includes parts of Los Angeles and Ventura counties, closed its schools Tuesday after inspectors found that at least two schools required major clean-up.The expected return of the winds led to the re-imposition of the Red Flag Parking Restriction Program, according to Los Angeles Fire Department spokeswoman Margaret Stewart, who warned that illegally parked vehicles will be towed.Motorists should look for ``No Parking'' signs posted in the Very High Fire Hazard Severity Zones. For a map of those zones, go to www.lafd.org./news/woolsey-fire.The Los Angeles City Fire Department sent more than 25 fire companies to battle the Woolsey Fire, Stewart said. The U.S. Forest Service has dispatched two crews numbering 32 people to assist, according to the department.Orange County Fire Authority officials say they have sent 20 engines to assist with the fires, and firefighters have come in from off time to ensure that every OCFA fire station is adequately staffed.Crews from other agencies, including Arizona, were also assisting in battling the massive blaze, helping to evacuate residents and providing traffic control.Los Angeles County fire strike teams and water dropping aircraft were working to contain the flames on or around the Pepperdine campus. No permanent structures have been lost, but video from the campus showed at least one vehicle and several bicycles scorched by flames.The Federal Aviation Administration sent a tweet Sunday reminding drone operators that they could face severe civil penalties and potential criminal prosecution for flying drones over fire areas.Evacuation centers for animals were opened Friday at Hansen Dam, 11770 Foothill Blvd. in Lake View Terrace, and Pierce College in Woodland Hills, but both reached capacity. A large animal evacuation center was established at the Zuma Beach parking lot in Malibu. Industry Hills Expo Center in the San 10956

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