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MALIBU, California — The devastating Woolsey Fire destroyed homes in Malibu on Friday including one belonging to Caitlyn Jenner.By Friday afternoon, 14,000 acres burned, along with multiple homes, fire officials reported. Another 30,000 homes were threatened in Ventura County.Caitlyn Jenner's home was featured on her reality show "I Am Cait", according to KABC. It sat on a ridge overlooking the Malibu hills area, covering 3,500 square feet.RELATED: Interactive Map: See Woolsey, Hill Fire ZonesTMZ reported that Jenner has lived in the home in 2015 and had to deal with natural disasters before. Last year, winds up to 60 miles per hour tore the roof from the house.Jenner’s former stepdaughters, Kim Kardashian West, and Kourtney and Khloe Kardashian, also had to evacuate their homes in Calabasas."Pray for Calabasas," Kardashian West wrote on an Instagram story. "Just landed back home and had 1 hour to pack up & evacuate our home. I pray everyone is safe."Kardashian posted an update on twitter Friday about the home she shares with husband Kanye West. 1078

Michigan's Senate Majority Leader Mike Shirkey and Speaker of the House Lee Chatfield have released a statement following their meeting today with President Donald Trump at the White House.The statement reads as follows:The President of the United States extended invitations to us on Wednesday evening. We each accepted his invitation as we would accept an invitation from any sitting President if asked to meet at the White House. We were proud to be joined by our colleagues to represent Michigan in our nation’s capital.We used our time in the White House to deliver a letter to President Trump making clear our support for additional federal funds to help Michigan in the fight against COVID-19. We have since sent the same correspondence to congressional leaders.Months ago, Michigan received funds through the federal CARES Act, and we used that funding to quickly support front line workers, improve testing, ensure adequate PPE, provide additional support to out-of-work Michiganders, and deliver assistance to local businesses that are struggling through no fault of their own. We once again face a time in our state when additional support would go a long way to help those same residents who need our help.We highlighted our commitment to appropriating further federal dollars to Michiganders most in need as we continue to deal with the impact of COVID-19. We also emphasized our commitment to fiscal responsibility in the state budget as we move forward.The Senate and House Oversight Committees are actively engaged in a thorough review of Michigan’s elections process and we have faith in the committee process to provide greater transparency and accountability to our citizens. We have not yet been made aware of any information that would change the outcome of the election in Michigan and as legislative leaders, we will follow the law and follow the normal process regarding Michigan’s electors, just as we have said throughout this election.Michigan’s certification process should be a deliberate process free from threats and intimidation. Allegations of fraudulent behavior should be taken seriously, thoroughly investigated, and if proven, prosecuted to the full extent of the law. And the candidates who win the most votes win elections and Michigan's electoral votes. These are simple truths that should provide confidence in our elections. 2374

Meijer is extending its 15 percent teacher discount on classroom essentials – it will now be available for the entire 2020-2021 school year.Additionally, the discount can now be applied to face masks and hand sanitizers."There are so many uncertainties as teachers head back to classes and we've heard the plans may change throughout the year, so our goal is to help them shop with confidence whenever they need to refill supplies," said Brandon Pasch, Director of Back-to-School Merchandising for Meijer, in a press release "We hope that extending the 15 percent discount for the entire school year helps reduce the stress to their pocketbooks as they continue gathering supplies for their classrooms and home offices." Other items available for the discount range from spiral notebooks and schoolroom essentials like Crayola, Elmer's Glue, Sharpies and Post-It Notes to planners and journals, and memo boards.Teachers can get the discount, in the form of a paper coupon, by presenting a current school ID at their local Meijer Customer Service desk. The coupon can only be used for purchases made in-store and some restrictions apply. For more information, visit the Meijer Back to School site. 1204

Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said.  She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said.  “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643

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

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