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MANATEE COUNTY, Fla. — An alligator crossing a road in Manatee County led to a deadly crash on Thursday night, the Florida Highway Patrol (FHP) says.According to an FHP press release, an alligator crossing State Road 70 walked into the path of a car at around 10:40 p.m. local time. The driver tried to swerve out of the way and lost control, authorities said.Troopers say the car ran off the road, into a ditch full of water, and then crashed into a tree. The 23-year-old passenger died and the 20-year-old driver suffered minor injuries.Both were wearing seat belts, according to FHP.Troopers say the crash remains under investigation.This story was originally published by WFTS in Tampa, Florida. 707

MIAMI, Fla. — Tropical Storm Laura has strengthened near Puerto Rico, the National Hurricane Center said.As of the 5 p.m. update, Laura is about 100 miles west of Ponce, Puerto Rico, according to NHC. The system is packing 50 mph winds and is moving west at 18 mph.Laura is forecast to become a Category 1 hurricane once the storm approaches Cuba. It could remain a hurricane as it moves somewhat closer to FloridaABC Action News Chief Meteorologist Denis Phillips says intensity is a major question mark for Laura.On Thursday morning, Tropical Depression Fourteen also formed over the Caribbean Sea. It's also expected to develop into Tropical Storm Marco on Friday, according to NHC.Meanwhile, Tropical Storm Marco formed over the Northwestern Caribbean late Friday night. However, Marco does not pose a threat to Florida.QUICK TIPS TO HELP YOU PREPARE FOR A HURRICANEWatches and Warnings:Tropical Storm Warning:* Puerto Rico, Vieques and Culebra* U.S. Virgin Islands* The northern coast of the Dominican Republic from Cabo Engano to the border with Haiti* The southern coast of the Dominican Republic from Cabo Engano to Punta Palenque* The northern coast of Haiti from Le Mole St. Nicholas to the border with the Dominican Republic* The southeastern Bahamas and the Turks and Caicos Islands* Cuban provinces of Camaguey, Las Tunas, Holguin, Guantanamo,Santiago de Cuba, and GranmaTropical Storm Watch:* The central Bahamas* Andros Island* Florida Keys from Ocean Reef to Key West and the Dry Tortugas* Florida BayThis story was first reported by Emily McCain at WFTS in Tampa Bay, Florida. 1601

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

Lucious Fox's son Tim Fox will become the first Black Batman, DC Comics announced Thursday.The estranged son of Wayne Enterprise's CEO and brother to the former Batwing Luke Fox will don Batman's cape in its new "Future State" series, "The Next Batman."John Ridley, the screenwriter of "12 Years a Slave," will write the four-book miniseries, with art by Doug Braithwaite and Diego Rodriguez, the company said. 418

Meijer is extending its 15 percent teacher discount on classroom essentials – it will now be available for the entire 2020-2021 school year.Additionally, the discount can now be applied to face masks and hand sanitizers."There are so many uncertainties as teachers head back to classes and we've heard the plans may change throughout the year, so our goal is to help them shop with confidence whenever they need to refill supplies," said Brandon Pasch, Director of Back-to-School Merchandising for Meijer, in a press release "We hope that extending the 15 percent discount for the entire school year helps reduce the stress to their pocketbooks as they continue gathering supplies for their classrooms and home offices." Other items available for the discount range from spiral notebooks and schoolroom essentials like Crayola, Elmer's Glue, Sharpies and Post-It Notes to planners and journals, and memo boards.Teachers can get the discount, in the form of a paper coupon, by presenting a current school ID at their local Meijer Customer Service desk. The coupon can only be used for purchases made in-store and some restrictions apply. For more information, visit the Meijer Back to School site. 1204

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