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LOUISVILLE, Ky. (AP) — Former Marine pilot Amy McGrath has overcome a bumpier-than-expected Kentucky primary to win the Democratic U.S. Senate nomination.She fended off progressive Charles Booker to set up a big-spending showdown with Republican Senate Majority Leader Mitch McConnell in the fall.McConnell is seeking a seventh term.Voting ended June 23, but it took a week until McGrath could be declared the winner Tuesday due to the race’s tight margins and a deluge of mail-in ballots.The outcome seemed a certainty early in the campaign but became tenuous as Booker’s profile surged.The Black state lawmaker highlighted protests against the deaths of African Americans in encounters with police. 708

Louisville Mayor Greg Fischer announced that a citywide curfew will be extended through the weekend as unrest in the city reignited on Wednesday.The demonstrations were sparked by a grand jury announcement that charges would not be filed against the two officers who shot and killed Breonna Taylor during a March raid.The curfew will continue from 9 p.m. to 6:30 a.m. every day through Monday. The curfew does not apply to people commuting to work, house of worship for services or seeking medical attention for themselves or others.The city has also closed some of the city’s downtown government facilities through Monday morning.On Wednesday, 127 arrests were tied to demonstrations in the city. Amid the unrest, two Louisville Metro Police officers were wounded by a gunman. A suspect, Larynzo Johnson, was arrested on Wednesday. Johnson is accused of shooting the two officers who were patrolling demonstrations in the city. 936

Marking 100 days until the PyeongChang Winter Olympics, the Olympic flame has once again arrived on South Korean soil.Thirty years after the 1998 Seoul Summer Olympics, the flame arrived at Incheon airport to a show of singing, dancing and speeches.South Korea's favorite figure skater and former Olympiad, Kim Yuna and Prime Minister Lee Nak-yon stood side by side to ignite the flame to a ceremonial cauldron and start the Olympic torch relay. 453

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 latinos constituyen de aproximadamente un tercio de los votantes elegibles en esta elección presidencial en los Estados Unidos. Según un estudio reciente de El Centro de Investigación Pew, votantes latinos nombraron la Corte Suprema como unos de los temas más importantes para la comunidad. Christine Rodríguez es una abogada que sera juramentada en la barra de la Corte Suprema en enero. Ella dice que la preocupación de el tema viene por la falta de representación.Rodríguez recuerda haber so?ado con ser abogada cuando tenía solo 9 a?os, pero le faltaba alguien que la asesorara. “Nadie que yo conocia era abogado”, explica Rodríguez. No fue hasta su último a?o de secundaria, durante un viaje educativo a Washington, D.C. que encontró su inspiración. “Está mujer es todo lo que yo quiero ser“, dijo Rodríguez sobre el momento en cual pudo observar a la magistrada de la Corte Suprema, Ruth Bader Ginsburg. Rodríguez incluso guardó las notas que tomó mientras observaba. Cerca del nombre del magistrado Antonin Scalia, ella escribió una nota describiéndolo como divertido. Junto al nombre de Ginsburg Rodriguez escribió, "inteligente y seria."Veinte a?os después de esta experiencia, Rodríguez sera juramentada en la Barra de Abogados de la Corte Suprema, lo que le permitirá argumentar casos ante la Corte Suprema. La ceremonia de confirmacion sera el próximo enero. Pero faltara Ginsburg,quien hubiera estado presente. “Quería agradecerle su incansable labor como abogada, y como mujer y campeona en este campo”, dijo Rodríguez.Como latina, Rodríguez dice que tiene algunas preocupaciones sobre algunas decisiones clave que tomará la Corte Suprema en el próximo período. Un ejemplo es el caso de Obama Care. “El cuidado de la salud es un tema que estará ante la Corte Suprema”, dijo Rodríguez. Quienes se oponen a Obama Care esperan que la Corte decida suspender el programa. El presidente Donald Trump ha dicho que reemplazará Obama Care con algo mejor.Otros votantes dicen que la Corte Suprema necesita diversidad.El voto latino nunca ha sido tan poderoso como lo es ahora. “Quien es estados unidos? Estados unidos no es solamente 8 hombres blancos y una mujer latina. Tiene que haber mas representación”, dijo Mari Carmen Puente Castellano. Según un estudio de el Centro de Investigación Pew, hay 32 millones de latinos quienes son elegibles para votar. “No me importa de qué lado usted vota, pero vote, para que se de a conocer que estamos aquí ”, dijo Castallano sobre la participación de votantes.Rodríguez dice que la comunidad latina ha sido ignorada por los políticos por demasiado tiempo, pero ahora que el número de votantes es lo suficientemente significativo, la comunidad necesita presentarse en las urnas. “Cuanto votamos, los políticos se van a dar cuenta que tienen que escucharnos”, dijo Rodríguez. 2833

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