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Mayor Megan Barry has surrendered the passcode for her personal phone to the Tennessee Bureau of Investigation, her attorney says in a statement released Friday morning."This morning I spoke with TBI Director Mark Gwyn to provide the TBI with the passcode for Mayor Barry's personal cell phone," Jerry Martin said in the statement."This is her personal phone, not her Metro issued phone. I have confidence that Director Gwyn will ensure that the TBI limits its search of her personal phone to only items that are relevant to its investigation."Martin added that "reports that the Mayor has been uncooperative during this process are untrue."He said that the mayor's legal team has "provided the TBI with thousands of pages of documents at its request."Mayor's Lawyer?Asks DA To Recuse Himself From CaseSpecial Section:City Hall ScandalThe former U.S. attorney said that Barry's legal team was just trying to clarify how non-relevant matters would be handled before the public release of a damning search warrant affidavit that implies investigators may have nude pictures of the mayor."We were in the process of preparing to turn over her phone when the TBI, presumably at the director of the District Attorney, sought a search warrant," Martin added."This tactic was surprising since the evening before the search warrant was issued, I communicated our willingness to turn over the phone."However, by seeking the phone via a search warrant the authorities were ultimately afforded the opportunity for the unorthodox release of the underlying affidavit."While it may be common for search warrants themselves to be made public, the underlying affidavits are typically not returned and made public at this stage of the investigation."Read the full statement below: 1775

Many of us like to enjoy an ice-cold soda, but have you wondered what might be lurking on the soda dispensers, from the older ones to the new machines with one central nozzle?Scripps reporters took swabs from five types of locations: a movie theater, a fast food restaurant, a fast casual restaurant, a gas station and a hospital cafeteria to see just how clean or dirty some soda fountains are.The swabs were sent to a food safety lab.Dr. Helene Ver Ecke, a microbiologist at Metropolitan State University of Denver, studied the results. "So it is concerning that that particular species was found to be prevalent," said Ver Ecke as she looked over the results. She said some of the levels concerned her."But forty five hundred thousand CFUs is a lot," she said.Here is what was found. The test at a gas station seemed to be the most in the clear.The results:GAS STATION:  941

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

MILLCREEK CANYON, Utah - While fire crews were battling the "Crestwood Fire" Saturday near the base of Millcreek Canyon, homeowners and visitors in the canyon were busy packing and evacuating.During all of the commotion, Riley Burrows and Kaitlin Larsen had just tied the knot and were meeting with their guests.“We actually had a family friend come through the receiving line and told us that [the fire] had just started,” Larsen told FOX 13. “An officer then came up the line and told us we had about an hour before we had to leave. So everyone went crazy and started taking down all the decor… started getting us out of there as fast as we could.”While some may be angry their wedding and reception was interrupted by a fire, the couple laughed, reminisced and were in good spirits about it while recounting their story.“Our wedding worked out really well. We’re not disappointed that the fire happened — it was honestly quite the adventure,” Burrows said. Chiming in, Larsen added, “We now have a cool story: We were dealing with COVID, and now we can tell about a fire... Not everyone gets to say that!”The pair was married in front of a pond, which was then turned into a resource for helicopter crews battling the fire from the air — but it made for some good pictures as well.“They had two helicopters every five minutes coming in, coming down, getting water and taking off,” the pair said. “It was so cool. We all went out there and we had our photographer take a picture with us and it dropping right behind us, because it was like, 'We have to get this!'”Even first responders came to honor the newlyweds.“They came up and talked to us and gave us a little challenge coin and a hat and said they were so sorry," Larsen said. "Like, 'It’s not your fault! We appreciate what you’re doing to make it so we could finish as much as we could.'”The two have been through a lot to get married like a lot of other couples during the pandemic, but despite the difficulties and the addition of the fire, they were happy for the story that they could tell. They also had a message to others in similar positions.“Just stay hopeful. Regardless, you’re going to get married," they said. "Even if it’s just with close family and friends, you’re still getting married and that’s what matters.”The pair overall wanted to thank all of their guests for making the day so special and for being with them on their special day, despite the difficulties of the pandemic and the fire breaking out.The blaze was 90 percent contained as of Sunday evening. No homes or other structures were damaged, and no injuries were reported.This story originally reported by Spencer Joseph on fox13now.com. 2687