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Many small businesses are struggling after the pandemic shut down a number of industries. Recently, more than 2,400 small businesses gave their thoughts on how various levels of government are helping them during this tough time.Nate Chai, who heads up the Pro Engagement Team at Thumbtack, says "the purpose of the survey is really to find out how small businesses across the country feel about the public policies that they're working with at the local, state and national levels. Do they feel supported? Do they feel the right policies are in place? Are things changing year-over-year for them?"Thumbtack, an online company that connects people with local independent professionals in industries like construction, wellness and music, conducts a small business friendliness survey every year. This year, they wanted to check in with the small businesses on their site to see how they were doing amid this COVID-19 pandemic."What we did notice is that there were strong divergent between how many felt their states and local governments were doing versus what they saw from the federal government. To put that in perspective, we saw many states score A, A- or B in terms of that local response but at the federal level people almost universally what people were seeing was not good enough," said Chai.Chai says overwhelmingly, small business owners gave the federal government an F when it came to their response. "We saw several states earn Fs and unfortunately the worst of those, starting from the bottom up were Arizona followed by Oregon, Missouri, Georgia and Tennessee," said Chai. The highest ranked states were Vermont, which received an A+, followed by A ratings for Rhode Island, Connecticut, Massachusetts and an A for Maryland. Gerard Cassagnol, the Engineering and Operations Manager for Trevor Technical Solutions in Maryland, took part in the survey."It started off really good here in Maryland. They were very proactive in how to address the pandemic. What I basically mean is they were going by the science," Cassagnol said. Cassagnol says the funding, though, from State and Federal levels, was lacking, as well as information and guidance about programs and how to operate has been inconsistent. Cassagnol says before the pandemic, 80 percent of his company's revenue came from work from the government. Over the last three months, that dwindled down to 5 percent, putting his business in a dire state and prompting him to lay off staff. "It's a survival instinct right now that we're operating on," said Cassagnol.Of the roughly 2,400 businesses that took the survey, 65 percent had only one employee, in that the person owned their business and works alone; 28 percent had two to five employees and the remaining six percent had more than six employees."Given what’s going on, it's a great time to consider reaching out to small businesses if you’ve got those projects on the back burners, and finding ways to support small businesses if you have the means," said Chai."We've got to find a solution to this. America is going to suffer ultimately if the small business isn't there," said Cassagnol. Thumbtack is encouraging people to support their local businesses in any way they can right now as many feel uncertain when or if they will recover from this economic downturn. 3306

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

LUTZ, Fla. — Sheriff's deputies say a man who broke into a WWE star's home on Sunday had hoped to take her hostage and said claim he had been planning the crime for eight months.The Hillsborough County Sheriff's Office said on early Sunday morning, the suspect, 24-year-old Phillip Thomas, entered a home at Promenade at Lake Park in Lutz.Detectives learned Thomas parked his car at Idle Wild Church earlier that night, walked to the house, cut a hole in the patio screen and remained there for about three to four hours. He was watching and listening through the windows, officials said.After the homeowner went to bed, Thomas came in through the back sliding door, which activated the home alarm. It prompted the homeowner to look out the window and spot Thomas.The homeowner and a guest left the house in a car and called 911.When deputies arrived, Thomas was still inside the house.According to public records, the house is owned by WWE wrestler Sonya Deville.Deputies discovered Thomas was carrying a knife, plastic zip ties, duct tape, mace and other items.Through the investigation, detectives discovered Thomas lived in South Carolina and came to Lutz specifically targeting the Deville."We know the suspect was completely obsessed with the victim, and they had been trying to engage in a conversation for several years, but were unsuccessful. And then, Sunday night is when they tried to confront the victim," said Natalia Verdina, a public information officer with HCSO.Thomas told deputies he was planning to take the homeowner hostage."Our deputies are unveiling the suspect's disturbing obsession with this homeowner who he had never met, but stalked on social media for years," Hillsborough County Sheriff Chad Chronister said. "It's frightening to think of all the ways this incident could have played out had the home alarm not gone off and alerted the homeowner of an intruder. Our deputies arrived within minutes and arrested this man who was clearly on a mission to inflict harm."Thomas was charged with aggravated stalking, armed burglary of a dwelling, attempted armed kidnapping and criminal mischief."I have spoken to her and I'm glad she's safe and I'm thankful and grateful that the sheriff's office took care of the situation immediately," fellow WWE star Titus O'Neil said in a statement. "Celebrity status aside this is sickening. I am a product of a sexual assault and have zero-tolerance or respect for any human being that would violate a person's privacy and or personal space."According to cybersecurity experts, it's frighteningly easy to find personal information on private citizens."It is horribly easy. You would be surprised," said Stu Sjouwerman, the founder of KnowBe4. The organization trains businesses and individuals to be safer online.Sjouwerman says there's no clear way to guarantee the protection of data in today's age — with one exception."Take a pair of scissors and snip that wire, go offline, and off-grid altogether. That's the only secure way otherwise you need to mitigate the risks," he said.He says there are 12 healthy habits anyone can take — especially on social media — to reduce the risk against bad actors.Only friend people you have met in real life.Check your social network privacy settings regularly.Set your profile privacy to friends only.Don't check into locations because it makes it easier for someone to stalk you.Don't post that your house is empty when you go on vacation because it makes you a target for theft.Use a VPN when surfing social media on public WiFi.Don't post photos of items that may contain your personal information like your driver's license, check stubs and airline tickets.Don't give random apps and survey sites permission to access your profile.Share with care, the internet is forever.Don't post anything that would upset your grandmother or someone interviewing you 10 years from now.Don't post company information or publicly rant about your professional life.Don't post evidence of illegal activities or inappropriate content.This story was originally published by Lisette Lopez and Isabel Rosales on WFTS in Tampa, Florida. 4135

Madison Wilson, an elementary school student in California, is raising money to donate multicultural crayons and books to local schools.Wilson learned that Crayola will be releasing a 24-pack of multicultural crayons called 'Colors of the World' in July and asked her mom if she could raise the funds to donate these crayons to her school.Wilson said she wanted children of all colors of skin to be able to accurately draw themselves in school.She also wants to use the money she raises to purchase multicultural books from local book stores and donate them as well.Wilson's deadline to raise the money is June 30. She had raised ,790 of her ,000 goal as of Tuesday afternoon. Once Wilson's initial goal is achieved, she wants to continue raising money for other Santa Ynez Valley schools.Her GoFundMe can be reached by clicking here.Wilson's goal is to donate 500 books.KSBY's Rachel Showalter first reported this story. 933

MIAMI, Fla. – The extremely active 2020 Atlantic hurricane season came to an end Monday and coastal communities are breathing a sigh of relief.However, while the hurricane season officially concludes on Nov. 30, that doesn’t necessarily mean the United States is out of the woods. The National Oceanic and Atmospheric Administration (NOAA) says tropical storms may continue to develop past that day.Even without more storms, this season has been historic. We saw a record-breaking 30 named storms and 12 landfalling storms in the continental U.S., according to the NOAA. Before this year, the 2005 season held the record for the most named storms, with 28.Of this season’s 30 named storms, 13 of them became hurricanes, meaning winds were 74 mph or greater. Six of those were considered major hurricanes, with winds reaching at least 111 mph: Laura, Teddy, Delta, Epsilon, Eta, and Iota.Because the 2020 season got off to an early and rapid pace, officials quickly exhausted the 21-name Atlantic list when Wilfred formed in September.So, for only the second time in history, the Greek alphabet was used for the remainder of the season, extending through the ninth name in the list, Iota.“The 2020 Atlantic hurricane season ramped up quickly and broke records across the board,” said Neil Jacobs, Ph.D, acting NOAA administrator. “Our investments in research, forecast models, and computer technology allowed forecasters at the National Weather Service, and its National Hurricane Center, to issue forecasts with increasing accuracy, resulting in the advanced lead time needed to ensure that decision makers and communities were ready and responsive.”NOAA says this was the fifth consecutive year with an above-normal Atlantic hurricane season, with 18 above-normal seasons out of the past 26.Scientists attribute the increase in activity to the warm phase of the Atlantic Multi-Decadal Oscillation (AMO), which NOAA says began in 1995 and has favored more, stronger and longer-lasting storms. These kinds of eras have historically lasted about 25 to 40 years.“As we correctly predicted, an interrelated set of atmospheric and oceanic conditions linked to the warm AMO were again present this year. These included warmer-than-average Atlantic sea surface temperatures and a stronger west African monsoon, along with much weaker vertical wind shear and wind patterns coming off of Africa that were more favorable for storm development. These conditions, combined with La Nina, helped make this record-breaking, extremely active hurricane season possible,” said Gerry Bell, Ph.D, lead seasonal hurricane forecaster at NOAA’s Climate Prediction Center.Looking forward, the 2021 hurricane season will officially begin on June 1 and NOAA will issue its initial seasonal outlook in May. 2787

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