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Lowe's wants to make the holidays easier amid the ongoing pandemic, so they are offering to deliver Christmas trees for free this year.Beginning Oct. 30, consumers would be able to order holiday decorations or fresh-cut trees and wreaths online or at a store, the home and improvement retail giant said.And if the order is over , the delivery is free. Lowe's says they'll deliver the items in two to five days.To place your order online, visit Lowes.com/FreshChristmasTrees. 485

LOUISVILLE, Ky -- A Kentucky judge delayed until Friday the release of secret grand jury proceedings in Breonna Taylor’s killing by police. That's according to the state Attorney General Daniel Cameron’s office. Kentucky's Attorney General Daniel Cameron sought a delay of a week to enable names and personal information to be redacted from the recordings. Information to be redacted included phone numbers and addresses. The motion was filed Wednesday morning, the same day a Louisville court was expected to release the audio recordings. Cameron’s spokeswoman said Wednesday that a judge granted a shorter delay, giving the attorney general until noon Friday. 670

MARSHALL, Ark. - The chief of police for Marshall, Arkansas, has resigned from his position after posting online threats of violence directed at Democrats.Marshall Mayor Kevin Elliott announced in a statement on Saturday via Facebook that Police Chief Lang Holland had resigned effective immediately."The City of Marshall strongly condemns the actions of Mr. Holland in his posts to social media," Elliott said in the statement. "His remarks in no way reflect City Government or the people of Marshall, Arkansas. In response to Mr. Holland's remarks, I, Kevin Elliott, as Mayor of the City of Marshall, consulted with the attorney for legal advice concerning these social media posts. Upon my meeting with Mr. Holland, he resigned as Police Chief for the city of Marshall effective immediately. Mr. Holland is no longer employed with the city." 852

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

Michael Cohen informed a representative for Stormy Daniels he was willing to strike a deal to buy her silence only after the release of the now-infamous "Access Hollywood" recording where President Donald Trump can be heard talking about grabbing women without their consent, The Wall Street Journal reported Thursday.The Journal cited a person familiar with the conversation that took place between Cohen, Trump's former attorney, and Daniels' representative just one day after the October 2016 release of the recording. The newspaper reported that Cohen indicated during that conversation that "he was open to a deal," despite having "initially balked at the idea."The same source told the Journal that Cohen "resisted" making a payment to Daniels when the idea was proposed in September 2016.Daniels is a former adult film star who claims she had a consensual sexual encounter with Trump, who denies any affair.Citing individuals familiar with the matter, the Journal reported that federal prosecutors in New York state believe that the "Access Hollywood" recording may have caused Cohen to take action to keep negative stories about Trump out of the news. Federal prosecutors are investigating if that payment to Daniels was an illegal contribution to the campaign or should have been disclosed by the Trump campaign.A spokesperson for the US attorney's office in Manhattan, which is investigating Cohen, declined to comment to the Journal.Lanny Davis, an attorney for Cohen, told the newspaper that he cannot comment on "any matters even possibly remotely related to those that might be under investigation," as a result of advice of counsel.The White House, which has said in the past that Trump denies an affair with Daniels, did not respond to a request for comment from the Journal.The Justice Department said in April that Cohen is under criminal investigation, a revelation that came after a raid of Cohen's properties and office.Cohen acknowledged to The New York Times in February that he had made a 0,000 payment to Daniels, but said that neither the Trump organization nor the campaign had reimbursed him.Trump's story over the payment, meanwhile, has shifted. In April, the President denied knowing about the payment when questioned by reporters. The following month, Trump said on Twitter that Cohen had entered into an agreement "to stop the false and extortionist accusations" that he claimed were made by Daniels.The acknowledgment from Trump came after the President's lawyer Rudy Giuliani told Fox News' Sean Hannity that Trump had reimbursed Cohen for the hush money payment.The payment to Daniels "is going to turn out to be perfectly legal," Giuliani said at the time. 2774