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MALIBU (CNS) - Supermodel Bella Hadid has donated ,000 toward fighting mud slides in Malibu expected as a result of the still-burning Woolsey Fire, it was reported Thursday.Hadid, 22, donated the money to the Malibu Disaster Prevention & Relief Fund, the celebrity news website TMZ.com reported. The GoFundMe page is spearheaded by the Point Dume Bomberos (firefighters), who need the money to pack sandbags, buy pool pumps, generators, respirators, cleanup materials and other tools.Rain could arrive sometime next week and fire officials have said fast-moving mudslides -- possibly like the catastrophic one in Montecito earlier this year -- could be powerful enough to bring down trees and tons of other debris. Hadid lost her Montecito home in January from devastating floods and has seen the area where she was raised -- Malibu -- decimated.Bella's not the only celebrity pitching in to help Malibu get back onits feet, TMZ reported. Patton Oswalt donated ,000 to rebuild a horse ranch that burned down. Jon Favreau kicked in ,000 to another Woolsey Fire relief fund and Sean Astin donated ,000 to a similar cause.Miley Cyrus and Liam Hemsworth have donated 0,000 to The Malibu Foundation through Cyrus' charity, Happy Hippie, a representative told CNN. The funds will be used for ``those in financial need, emergency relief assistance, community rebuilding, wildfire prevention and climate change resilience," according to a statement.Hemsworth on Tuesday posted a photo of the remains of the home he shared with Cyrus. Other celebrities who lost homes in California's fires are Neil Young, Robin Thicke and Gerard Butler. 1652

LOUISVILLE, Ky. (AP) — A prosecutor is dropping a felony charge against dozens of protesters who gathered at the Kentucky Attorney General's home to demand justice in Breonna Taylor's death. The group of protesters included civil rights leaders, "Real Housewives of Atlanta" star Porsha Williams, and Houston Texans football player Kenny Stills. Attorney General Daniel Cameron's office is heading an investigation into the fatal shooting of Taylor by police who were conducting a no-knock warrant. Jefferson County Attorney Mike O'Connell dismissed the felony charge Friday. He says police had probable cause for the charge, but he decided to dismiss it "in the interest of justice and the promotion of the free exchange of ideas." 740

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

LOUISVILLE, Ky. – A man was arrested Sunday after allegedly saying on Facebook live that he would shoot Louisville police officers for ,000.The U.S. Attorney’s Office for the Western District of Kentucky said Sunday that 29-year-old Cortez Lamont Edwards was in possession of an AR variant pistol including a non-extendible support brace and extended magazine when he went live last Wednesday.In the video, Edwards says he’s requesting to be paid ,000 to shoot the officer on scene for a disturbance in the street in front of his home, according to a criminal complaint.Authorities say an investigation revealed that the Louisville man is a convicted felon, having been convicted of complicity to trafficking in a controlled substance, and possession of a firearm by a convicted felon.Edwards was taken into custody Sunday after a team of law enforcement agencies executed a search warrant at his home. He’s being charged with being a felon in possession of a firearm.If convicted at trial, the maximum sentence for unlawfully possessing a firearm is 10 years in prison, a 0,000 fine, and three years of supervised release.Louisville has become a site of unrest this year, with people calling for justice in the Breonna Taylor case. The 26-year-old EMT was fatally shot by Louisville police in her apartment in March."Louisville needs healing and safety for its citizens, not armed felons seeking bids to shoot police," said U.S. Attorney Russell Coleman. "Federal law enforcement here will continue to respond as one to swiftly mitigate threats to our city." 1576

MENTOR, Ohio — Some northeast Ohio salon owners are concerned House Bill 189, which proposes cuts in mandatory cosmetology training, could create a potential public safety issue.The measure sponsored by State Representatives Kristina Roegner (R-Hudson) and Alicia Reece (D-Cincinnati) calls for a reduction in training for cosmetology licensing from 1500 hours to 1000 hours.Bill proponents believe the measure will improve Ohio’s cosmetology laws by allowing more cosmetology graduates to enter the workforce earlier and with less debt, thus increasing entrepreneurship and bolstering the workforce for Ohio’s salons.But some local salon owners, like Jennifer Pealer with Jenniffer and Company Salon in Mentor, believe a reduction in required training can set-up future cosmetologists for potential salon mistakes. Pealer believes 1500 hours of training is needed to insure cosmetologists are prepared to use potentially hazardous chemicals and equipment on a daily basis."The biggest thing is public safety," said Pealer. "Hair damage can occur very easily without proper training. What happens is there is damage to the follicle, the hair breaks off, and if it's not reproduced, there could be balding."Salon owner Nancy Brown owns the Brown Aveda and Casal Aveda Institutes for cosmetology training in Northeast Ohio and believes HB-189, and its companion Senate bill, SB-129, are being considered for the benefit of chain salons, which provide quick hair cuts and not more technical services.Brown believes the measures sets cosmetologists up to be under-trained, and could also cut training for nail technicians to just 100 hours."The equipment we use requires training, the shears we use are sharp enough to perform surgery," said Brown. "Our curling irons at the professional level are 450 degrees. The pedicures and manicures, people have lost toes, they had all kinds of injuries because of uncleanness."News 5 reached out to State Representatives Kristina Roegner about bill benefits, but we're still waiting for a response.Those against HB-189 have set up an on-line petition.Meanwhile, Brown said the bill could be voted on in the House as early as mid-May. 2258