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MIAMI (AP) — The U.S. National Hurricane Center (NHC) says Tropical Storm Nana has formed south of Jamaica, and is taking aim at Central America.An Air Force Reserve Hurricane Hunter aircraft crew flew into the storm, recording maximum sustained winds of 50 mph with higher gusts.Nana is the earliest 14th named storm on record, beating Nate, which formed on Sept. 6 in 2005, according to Colorado State University professor Phil Klotzbach.The hurricane center says Nana is centered about 120 miles southwest of Kingston, Jamaica, and is moving west at 18 mph on a path that could damage Belize, Honduras, Guatemala and southernmost Mexico.The NHC said Tuesday afternoon that Nana is forecast to be a hurricane near landfall.Here are the Key Messages for Tuesday early afternoon for Tropical Storm #Nana. The biggest change from the previous advisory is that it is now forecast to be a hurricane near landfall. Full forecast https://t.co/tW4KeFW0gB pic.twitter.com/u7IwBt413T— National Hurricane Center (@NHC_Atlantic) September 1, 2020 1045

Michigan's Senate Majority Leader Mike Shirkey and Speaker of the House Lee Chatfield have released a statement following their meeting today with President Donald Trump at the White House.The statement reads as follows:The President of the United States extended invitations to us on Wednesday evening. We each accepted his invitation as we would accept an invitation from any sitting President if asked to meet at the White House. We were proud to be joined by our colleagues to represent Michigan in our nation’s capital.We used our time in the White House to deliver a letter to President Trump making clear our support for additional federal funds to help Michigan in the fight against COVID-19. We have since sent the same correspondence to congressional leaders.Months ago, Michigan received funds through the federal CARES Act, and we used that funding to quickly support front line workers, improve testing, ensure adequate PPE, provide additional support to out-of-work Michiganders, and deliver assistance to local businesses that are struggling through no fault of their own. We once again face a time in our state when additional support would go a long way to help those same residents who need our help.We highlighted our commitment to appropriating further federal dollars to Michiganders most in need as we continue to deal with the impact of COVID-19. We also emphasized our commitment to fiscal responsibility in the state budget as we move forward.The Senate and House Oversight Committees are actively engaged in a thorough review of Michigan’s elections process and we have faith in the committee process to provide greater transparency and accountability to our citizens. We have not yet been made aware of any information that would change the outcome of the election in Michigan and as legislative leaders, we will follow the law and follow the normal process regarding Michigan’s electors, just as we have said throughout this election.Michigan’s certification process should be a deliberate process free from threats and intimidation. Allegations of fraudulent behavior should be taken seriously, thoroughly investigated, and if proven, prosecuted to the full extent of the law. And the candidates who win the most votes win elections and Michigan's electoral votes. These are simple truths that should provide confidence in our elections. 2374

Many had suspected that up-and-coming rapper Cardi B was expected but, it was all confirmed to the world on Saturday Night Live thanks to the dress made by Anne Arundel County, Maryland native Christian Siriano.Siriano was born and raised in Annapolis where he attended Broadneck High School for his freshman year before transferring to Baltimore School for the Arts where he graduated.The 32-year-old first gained national attention after winning the fourth season of reality fashion design show Project Runway, becoming the series' youngest winner. In 2008 he launched The Christian Siriano collection which is shown each season at New York Fashion Week.              On Saturday while performing her new single “Be Careful” from her debut studio album "Invasion of Privacy" Cardi B who's real name is Belcalis Almanzar picked Siriano to make her dress who is no stranger in styling the star. 992

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

Millions of people forced to work from their homes took on new projects and Home Depot is supplying a lot of the material. At Home Depot stores open at least a year, sales surged an remarkable 25% in the U.S. during the second quarter. Overall revenue for the Atlanta company hit .05 billion, far exceeding the .94 billion Wall Street was expecting, according to a Zacks Investment Research survey. It easily topped last year’s revenue of .84 billion for the three months ended Aug. 2. Sales at stores open at least a year climbed 23.4%, globally, trailing only the massive surge in comparable-store sales in the U.S. The overall comparable-store sales were almost twice the 12.2% increase that industry analysts had projected. 744

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