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Lots of folks do their shopping on the internet these days, especially on Amazon. Not only because it's convenient, but you can find some great bargains. But wait until you hear how much a woman in Gallatin, Tennessee was charged for some paper plates. It was certainly no deal. Lorie Galloway said she does a lot of shopping on Amazon. She's a Prime member and told Scripps station WTVF in Nashville, "I don't order anything unless it's free shipping." Just before Christmas, Galloway bought some plates. Then her husband, Bob Galloway, got the bill."He sent me a text," Lorie Galloway recalled. "'What did you order at Amazon?' And, I'm like, 'What?' He said, 'Our bill is a thousand and something dollars.'"Now these plates she bought were not the kind you keep in a china cabinet. These were heavy duty paper plates. A hundred of them. Lorie Galloway said she thought she was getting for with free shipping. It turns out, the plates were ."But there was a ,080 shipping charge," Bob Galloway explained.It cost more than ,000 to ship a package of paper plates. "I mean that's just crazy for paper plates," Lorie Galloway said.And, her husband added, "I really thought it was some clerical error."The Galloways repeatedly tried contacting the seller and got no response. So they called Amazon about the charge."The reaction from the customer service representative at Amazon was, 'Wow, that's ridiculous,'" Bob Galloway said. So were these plates coming from somewhere half way around the world? No, according to the paperwork, they were shipped by UPS from Atlanta. Amazon eventually agreed to open an investigation and the company told Lorie Galloway they'd determined she  was "not overcharged for the transaction."Lorie Galloway said she believed she was overcharged. According to Amazon, the seller said they'd "sent the plates with expedited service," that Lorie Galloway had selected that option when she placed her order and had agreed to the ,000+ shipping fee, something Galloway insists isn't true. "If it would have said a thousand and something dollars, I would have noticed that," she said. If you try finding the seller now who sold Lorie Galloway those plates, you won't. An Amazon rep told the couple the seller had been dismissed after doing similar things to other customers. But Amazon refused to confirm that for us.And Amazon was asked why it didn't have technology to flag and even prevent outrageous charges like this, the company refused to directly answer the question and instead sent a statement saying, "Amazon is constantly innovating and improving our customer experience. If customers have concerns or feedback, we encourage them to contact our Customer Service."But that's what the Galloways did and Amazon told them there was nothing they could do. Lorie Galloway said she is now reconsidering where she shops. "If they [Amazon] are not going to take care of their customers, why should I order from them again?" she said. The Galloways spent the last couple of months disputing the shipping charge with their credit card company. Finally, just the other day, they got word that the shipping would be refunded.  3398

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

Members of the New York Yankees and Minnesota Twins were visibly shaken Wednesday after a foul ball injured a child during a game at Yankee Stadium.In the fifth inning of Wednesday's game, Yankees third baseman Todd Frazier hit a foul ball on the third base side that struck a young girl. ESPN didn't replay the incident, but Frazier and members of both teams appeared upset afterward.A nearby fan can be seen immediately signaling for help after the play. The game was halted for over five minutes. 512

McDonald's is sweetening up its breakfast menu by adding three new items.The fast-food chain announced Wednesday that beginning Oct. 28, consumers will be able to order blueberry muffins, cinnamon rolls, and apple fritters from its menu.McDonald's said the new items would be available all day.For the first time in eight years, the sweet treats are the first addition of bakery items to the chain's core menu, joining cookies and pies."McDonald's has been famous for our savory breakfast menu for almost fifty years," said Linda VanGosen, Vice President, Brand and Menu Strategy, McDonald's USA in the news release. "We're continuing our breakfast innovation by adding tasty new sweet options with our new McCafé Bakery lineup. We know our customers deserve a break now more than ever and are excited to give them another reason to visit their favorite breakfast destination by offering delicious flavors they crave, any time of the day."McDonald's said their breakfast menu has evolved throughout the years.The Egg McMuffin was introduced in 1971, followed by their breakfast burritos 20 years later. McDonald's then introduced McGriddles in 2003, and their McCafé coffee in 2009.McDonald's added that they plan to serve 100% cage-free eggs by 2025. 1259

Men may have a harder time maintaining friendships during the pandemic.Experts say it’s because social distancing guidelines have forced men out of their normal ways of communicating.“Men tend to construct their friendships on a shoulder-to-shoulder basis and women tend to use a face-to-face basis, so guys will get together and do things, like sports, going to the sports bar, activities,” said University of Maryland Professor Geoffrey Greif, author of the book “Buddy System: Understanding Male Friendships.”Greif says it's rare for men to reach out to each other just to talk. Men tend to be more cautious about how much they share.They'll also only ask to do something together so many times before the invitation is returned.“We're just not socialized to feel comfortable. We don't want to seem like we are stalking another guy for a friendship. Men don't want to appear too emotionally needy,” said Greif.There are some activities that we can still do while social distancing.Greif says you can also try getting together over Zoom to watch sports or play a game.Recognize it's not going to be as good as in person, but keep in mind that eventually the pandemic will end. 1186

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