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Market sentiment is so fragile that news of an arrest is enough to set off a selling wave.The Dow plunged as much as 785 points on Thursday. The index was recently down about 400 points, or 1.3%. The S&P 500 lost 1.1%, while the Nasdaq fell 0.3%.The arrest of Huawei CFO Meng Wanzhou in Canada at the request of the United States renewed doubts about the US-China truce.The latest sign of tension between Washington and Beijing also sent shudders through global markets. Hong Kong's Hang Seng plunged 2.5% overnight, while European stock markets declined sharply as well. Germany's DAX nearly closed in a bear market, down nearly 20% from its January closing high.Companies like Apple (AAPL) and Boeing (BA) that have significant exposure to China fell sharply. Other trade-related stocks like Broadcom (AVGO) and Harley-Davidson (HOG) were also under pressure. Alibaba (BABA), the Chinese e-commerce giant, tumbled 3%. The Dow and S&P 500 have once again turned negative on the year. The S&P 500, down 9% in the fourth quarter, is on track for its worst quarter in seven years.The arrest of Meng -- the daughter of the founder of one of China's most important companies -- serves as a fresh reminder that the United States and China remain in a trade war, despite the ceasefire reached last weekend in Argentina. Tariffs already imposed remain in place and new ones loom if talks fail to result in a breakthrough or at least an extension within 90 days."This comes at a truly delicate time," Win Thin, global head of currency strategy at Brown Brothers Harriman, wrote to clients on Thursday. "We think this will force China to take a more aggressive and confrontational approach with the US."  1720

Mail balloting was set to begin Friday in the presidential election as North Carolina starts sending out more than 600,000 ballots to voters — responding to a massive spike in requests that has played out across the country as voters look for safer way to cast ballots during the pandemic.The 618,000 ballots requested in the initial wave in North Carolina were more than 16 times the number the state sent out at the same time four years ago. The requests came overwhelmingly from Democratic and independent voters, a reflection of a new partisan divide over mail voting.The North Carolina numbers were one more bit of evidence backing up what experts have been predicting for months: Worries about the virus are likely to push tens of millions of voters to vote by mail for the first time, transforming the way the election is conducted and the vote is counted.In 2016, just one-quarter of the electorate cast votes through the mail. This time, elections officials expect the majority of voters to use the method. Wisconsin has already received nearly 100,000 more requests than it did in the 2016 election. In Florida, 3,347,960 people requested ballots during the 2016 election. The state has already received 4,270,781 requests.While ballots go out in two weeks in other battlegrounds like Minnesota, Pennsylvania and Wisconsin, all eyes are on North Carolina as it leads off.In North Carolina, Wake County, which includes the capital city of Raleigh, accounts for more than 100,000 absentee ballot requests so far. This week, the office groaned under the twin stresses of record mail voting and the pandemic.On Thursday, workers in yellow vests and masks sat at folding tables spaced apart in a county warehouse, affixing address labels to envelopes and then putting the ballots inside. Board of Elections Director Gary Sims said that the pandemic presents new challenges for the workers including staying spaced out and using hand sanitizer as much as possible.“We’re already at over three times the amount of requests that we’ve ever had in its entirety in an election. So that’s caused us to change some of our business processes,” Sims said.The increase in interest has come with an increase in partisan division.The GOP has historically dominated North Carolina mail voting, but this year the people asking for the ballots are not generally Republicans. Democrats requested more than 326,000 ballots, and independents 192,000, while only 92,000 were sought by Republicans. Voters in the state can continue to request the ballots up until Oct. 27, though that may be too close to the Nov. 3 election for them to receive the ballot and return it to their local elections office in time.The Democratic lead in mail ballots isn’t only in North Carolina. In Maine, 60% of requests for mail ballots have been made by Democrats and 22% by independents. In Pennsylvania, Democrats have requested nearly triple the number of absentee ballots as Republicans. In Florida, where the GOP once dominated mail voting, 47.5% of requests have come from Democrats and 32% from Republicans.“These numbers are astronomical, and on top of that there’s these clear partisan differences,” said Michael McDonald, a political scientist at the University of Florida who tracks early voting.The party split comes as President Donald Trump has baselessly derided mail ballots as vulnerable to fraud, even as the Centers for Disease Control and Prevention recommended them as a safer alternative to in-person voting during the pandemic. The numbers in North Carolina and elsewhere suggest Republicans are listening to Trump, shying away from mail ballots while Democrats rush to use them.The Democrats’ advantage in mail voting won’t necessarily translate into an advantage in the election, however. Ballots cast on Election Day, expected to be mostly Republican, will count just as much as those sent remotely.“Even if the Democrats build up a huge lead in the early vote ballot, I still need to see the Election Day votes, because that’s going to be that red wave,” McDonald said.Tom Bonier, chief executive officer of the Democratic data firm Target Smart, agreed. But he’s seen one hopeful indicator for his party — 16% of the mail ballot requests so far have been from voters who didn’t vote in 2016. They’re younger than typical mail voters, as well.“Seeing younger Democrats adapting to the technique is the first sign of a potential enthusiasm gap,” Bonier said, noting it won’t be possible to know if the GOP catches up until Election Day.Campaigns usually want their voters to cast ballots by mail because they can “bank” those early vote and focus their scarce resources getting their remaining supporters to the polls on Election Day. Trump has complicated that effort among Republicans by repeatedly condemning mail voting, even though in the five states that routinely mail ballots to all voters there has been no large-scale fraud.On Wednesday, while in North Carolina, the president suggested that supporters vote once by the mail and a second time in person to test whether the system could weed out voter fraud. The executive director of North Carolina’s board of elections, Karen Brinson Bell, on Thursday warned that voting twice in the state is a felony, as is trying to induce someone to vote twice.Republicans have tried to overcome Trump’s open skepticism and persuade their own voters to use the absentee voting system. The North Carolina Republican Party, for example, has sent a series of mailers urging its voters to cast ballots through the system, accompanied by copies of Trump tweets with his criticism of mail voting edited out.The message hasn’t gotten through to Nona Flythe, 64, an unaffiliated voter who lives in Southport, on the North Carolina coast, and plans to vote a straight Republican ticket — in person — this year.“I just think I’m stuck in my ways,” Flythe said. “I’ve always done it that way, and I think if I socially distance and wear a mask that it’s fine.”____AP reporters Sara Burnett in Chicago and Sarah Blake Morgan in Raleigh contributed to this report. 6101

MADISON, Wisc. -- The classic holiday song "Baby It's Cold Outside," has been pulled from a Madison, Wisconin radio station's airwaves.According to our partners at WISC-TV, Mid-West Family Broadcasting Program Director Fletcher Keyes said he took all versions of "Baby It's Cold Outside" out of rotation on Hank AM 1550 and 97.7 FM Monday. Keyes said that the song was pulled because "it's describing a scenario that wouldn't be OK today, so we didn't feel that we had to have it." He also said that he thinks the song could bring up bad feelings. The song was also pulled from a Cleveland radio station last week.“It really pushed the line of consent,” Cleveland Rape Crisis Center President and CEO Sondra Miller told local news in that city.For more information, click here. 825

MIAMI, Fla. — Tropical Storm Laura has strengthened near Puerto Rico, the National Hurricane Center said.As of the 5 p.m. update, Laura is about 100 miles west of Ponce, Puerto Rico, according to NHC. The system is packing 50 mph winds and is moving west at 18 mph.Laura is forecast to become a Category 1 hurricane once the storm approaches Cuba. It could remain a hurricane as it moves somewhat closer to FloridaABC Action News Chief Meteorologist Denis Phillips says intensity is a major question mark for Laura.On Thursday morning, Tropical Depression Fourteen also formed over the Caribbean Sea. It's also expected to develop into Tropical Storm Marco on Friday, according to NHC.Meanwhile, Tropical Storm Marco formed over the Northwestern Caribbean late Friday night. However, Marco does not pose a threat to Florida.QUICK TIPS TO HELP YOU PREPARE FOR A HURRICANEWatches and Warnings:Tropical Storm Warning:* Puerto Rico, Vieques and Culebra* U.S. Virgin Islands* The northern coast of the Dominican Republic from Cabo Engano to the border with Haiti* The southern coast of the Dominican Republic from Cabo Engano to Punta Palenque* The northern coast of Haiti from Le Mole St. Nicholas to the border with the Dominican Republic* The southeastern Bahamas and the Turks and Caicos Islands* Cuban provinces of Camaguey, Las Tunas, Holguin, Guantanamo,Santiago de Cuba, and GranmaTropical Storm Watch:* The central Bahamas* Andros Island* Florida Keys from Ocean Reef to Key West and the Dry Tortugas* Florida BayThis story was first reported by Emily McCain at WFTS in Tampa Bay, Florida. 1601

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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