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MELBOURNE, Fla. -- Wildlife conservation has long been a strong effort made by many organizations with volunteer help. But now with a limit on volunteers and a lack of funding, conservation efforts are stretched thin.“We have 72 miles of coastline that we will take turtles in from, and those 72 miles of coastline actually hold the largest population of nesting Loggerhead sea turtles in the world,” Jessica Patterson explained. She is the coordinator at the Sea Turtle Healing Center in Melbourne, Florida.The center takes in turtles found along this coast, helps them get back to health in this facility, and releases them. Turtles they temporarily name, like Perseverance and Jellybean. The number of turtles they take in can vary based on weather, human factors, and other animals.“A few years ago we actually had over 1,500 washback or post-hatchling turtles come in,” Patterson said. This year, COVID-19 has washed in some new issues.“My biggest concern is that we're seeing a lower amount of strandings this year. We as a community are not on the beach seeing them because a lot of people are opting to stay home to stay safe,” she said. That, and the people who take care of them.Due to health concerns and social distancing rules, the center went from having eight volunteers a day to three. On this day, two morning volunteers were feeding the turtles and giving them any needed medication.“A lot of the sea turtle rescues are probably struggling, again, in terms of personnel,” she said. However Patterson considers her team fortunate, because this center, unlike most, is part of a zoo.“This is sea turtle nesting season and hatchling season and we have not cut back on that work,” Keith Winsten, Brevard Zoo Executive Director, said. “A lot of places did have to dramatically cut their mission-based work but we have kept moving forward with it.”Brevard Zoo is a nonprofit zoo that is accredited by the Association of Zoos and Aquariums.“We’ve always said OK we’ll jump in with both feet to get her done, and we’ll figure out how to pay for it later,” he said. “We're having to figure out how to pay for things later right now as much as any place.”As with many businesses, the customer is their bread and butter.“Since 90 percent of our dollars are earned from people coming through the gate, that means we are down a really significant amount in terms of income,” Winsten said.“After reopening we realized we really needed to raise another million dollars to keep us fiscally sound,” he said.Another project the zoo helps with is the restoration and conservation of the Indian River Lagoon.“Which runs 156 miles north to south,” Jake Zehnder, Brevard Zoo Conservation Manager, said. “It is considered one of the most biodiverse estuaries in North America.” Zehnder works to help repair the lagoon, which lines right down the road from the zoo.“We work here in the Indian River Lagoon to help repair decades of damage and nutrient pollution,” he explained.However unlike the sea turtles, the funding for this project is a little more stable. “In Brevard County there's a sales tax for restoring the lagoon,” Winsten explained. “That allows us to keep moving through this pandemic.”They also rely on large groups of volunteers, but right now, large gatherings are not allowed due to COVID-19.Even with a lack of funding and helping hands, the health of the environment and local wildlife continue to be a priority.“Sea turtles are like the sentinels of ocean health. If you see a population of sea turtles dwindling in an area, it’s a good indicator that the health of that area is not doing very well,” Patterson said.“Every time we release a turtle, it's like a victory for the whole community. Everybody feels we’ve done something good to make up for the significant impacts we have,” Winsten said. He said the best way to help local zoos right now, is to visit and spend your money with them. 3918

MEXICO CITY (AP) — Mexico's office for environmental protection says it has filed a criminal complaint against the organizers of the Score Baja 1000 off-road race for damaging protected desert areas.The office said Thursday that some participants in the Nov. 14-18 race departed from agreed-on routes and damaged cactuses and other desert plants in the Valle de los Cirios protected area. Inspectors found damaged choya, agave and cardon plants.Score International spokesman Juan Tintos Funcke says the Reno, Nevada-based company has not received any formal notification from Mexican authorities. Tintos Funcke's statement adds that "as soon as we do we will coordinate ourselves with them in order to attend to it."The race starts from Ensenada in Baja California state. 779

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

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

LOVELAND, Ohio -- Someone drove through the wall of a sports bar near Cincinnati early Sunday after a fight, according to another patron.The vehicle, a Kia Optima, crashed through a fence, across a patio and into the side of Zappz Sports Bar and Grille in Loveland, Ohio at about 2:30 a.m.Blake Freeman, who was at the bar, said the driver smashed into the building on purpose after being kicked out. Freeman said he arrived moments after that."I was standing there 30 minutes prior to this happening. I had left to go to a friend's house real quick, and as I'm coming back, pulling back in, he was going through the building and that's just kind of when I went in and started helping everybody," Freeman said. 723