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MATTHEWS, N.C. (AP) — A mixup with the first absentee ballots sent in North Carolina caused some voters to receive two identical ballots for the November general election, according to election officials.Some ballots intended for voters in Matthews were mislabeled with the wrong names and were shredded before they could be sent this week, Mecklenburg County election officials told news outlets.When officials printed new mailing labels to correct the mistake, some voters ended up getting two duplicate ballots.Fewer than 500 voters were affected, Election Director Michael Dickerson said.The official added that it was unlikely that voters could have cast two ballots, a felony, because each mailing label includes an individual code making it impossible to vote twice.About 813,000 absentee ballots have been requested in North Carolina as of Monday as millions of Americans prepare to vote by mail to avoid polling places during the coronavirus pandemic.President Donald Trump, who has made unsubstantiated claims of voter fraud through mail-in voting, tweeted about the incident in North Carolina Thursday. 1121

Many schools are taking a different approach in helping children in school improve behavior.Dee Marie is bringing yoga to classrooms. She says she saw a need to teach non-violent coping skills after Columbine, so she created the non-profit group Calming Kids.The group teamed up with researchers at Harvard University to study the effects.“We got up to 93 percent less hitting,” Marie says. “We got incredible increase up to 86 percent increase in focus. Focus on their classwork, focus on their homework.”The simple techniques of the yoga practice are transforming behavior, even the behavior of bullies.“Students were able to settle in themselves better and started to get some ah-ha moments,” Marie says. “And what was really interesting was that the bullies started to recognize that they were bullies.”Marie’s program is global, reaching several states, Mexico and Puerto Rico.She's going back to the West Bank to teach for a second time next year.Similar programs are offered to help children.Jim and Lyneea Gillen started Yoga Calm when they saw students with learning disabilities or impacted by trauma having a tough time.“Initially I tried to get kids into counseling, but there weren't many services in a small town, and when there were, they weren't affordable for families,” explains Lyneea Gillen.The couple got their business accredited and began tracking results.“72 percent of the kids reported using the techniques at home unsolicited in a response to stress,” Jim Gillen says.Both programs now offer online courses.“It’s a solution to some of the problems we're seeing in schools right now,” Lyneea says. “I think we've met a need.”In Baltimore, some schools have even swapped detention for a meditation and mindfulness room and saw fewer children getting referred for discipline. 1812

Many Starbucks locations will close on Tuesday at 2:30 p.m. local time to allow for employees to participate in racial-bias education. All Starbucks company-owned retail stores and corporate offices will be closed in the afternoon of Tuesday, May 29. Franchised locations are not participating in Tuesday's training. The training was announced last month after a store manager called police to forcibly remove two African-Americans for loitering. The incident drew criticism and calls for boycott against Starbucks.  "The company's founding values are based on humanity and inclusion," said executive chairman Howard Schultz, who joined Johnson and other senior Starbucks leaders in Philadelphia to meet with community leaders and Starbucks partners. "We will learn from our mistakes and reaffirm our commitment to creating a safe and welcoming environment for every customer."Starbucks has updated its store hours online. To see if your local Starbucks will be closed Tuesday afternoon, click here.   1059

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-area protests calling for justice for an 18-year-old man shot and killed by police last week ended Sunday when police reportedly fired tear gas and rubber bullets at protesters.Video from Sunday's demonstrations shows police using chemical dispersants and shooting projectiles at protesters in Compton.One protester told CNN that the confrontation escalated into violence when a demonstrator wouldn't "back down" to police.KCBS reports that six people were arrested for unlawful assembly, and one person was charged with resisting arrest.Demonstrators were calling for justice for 18-year-old Andres Guardado, who was shot and killed by Los Angeles County Sheriff's deputies in an alley behind a Los Angeles auto shop on Thursday.Police say Guardado flashed a gun and then fled as officers chased him. CNN reports that a deputy fired six rounds at Guardado. Investigators say they recovered an unregister semi-automatic pistol at the scene that included an illegal extended magazine loaded with live rounds.Guardado's family maintains that he was working as a security guard at the body shop at the time of the shooting, and added that they do not believe he owned a gun. But police officers claim that Guardado was not recognizable as a security guard because he did not have a uniform on and was not wearing a gun belt.California law also requires that security guards be at least 21 years old.Capt. Kent Wegener, the head of the department's Homicide Bureau, says investigators have taken six or seven exterior cameras from the scene of Thursday's shooting. It's unclear if any of the footage contains images of the shooting itself.Guardado's death marked the second fatal shooting by a Los Angeles County Sheriff's deputy in a week. 1756

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