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Major League Baseball announced on Friday that this year's winter meetings and owners' meetings will be held remotely this year due to the coronavirus pandemic.The league announced the news in a press release on Friday."Major League Baseball announced today that the upcoming owners' meetings and Winter Meetings have both been postponed as in-person events," league officials said in the news release. "Instead, the agendas of both meetings will be conducted remotely as necessary."The owners' meetings were scheduled to take place Nov. 17-19 in Arlington, Texas, and the Winter Meetings were scheduled to take place Dec. 7-10 in Dallas, Texas.Per CBS Sports, generally, the Winter Meetings are the busiest four days of the offseason, with players being traded and teams signing free-agents.Although there hasn't been an announcement of spring training being changed, sources told ESPN that it's possible it won't start on time this year due to the pandemic. 967

MENLO PARK, Calif. (AP) — A school board president in the San Francisco Bay Area has resigned after his wife's racist comments about Vice President-elect Kamala Harris raised an outcry.Jon Venverloh announced Sunday that he was stepping down from his position with the Las Lomitas Elementary School District in Menlo Park.His wife, Mehridith Philips Venverloh, tweeted Sunday in response to comments about Harris's qualifications that all she needed to be qualified was to have Black genitalia and added: "No brain needed!"She later apologized.Venverloh called his wife's remarks "reprehensible" and said he disagreed with them but added that his continuing presence on the board would be a distraction. 711

Microsoft said Sunday that it is "prepared to continue discussions to explore a purchase of TikTok in the United States."The announcement comes days after President Donald Trump said he was planning on banning the app, which is owned by Chinese company ByteDance.Trump administration officials are concerned about the app's terms of service, citing the privacy concerns of U.S. citizens with the Chinese government."Microsoft will move quickly to pursue discussions with TikTok’s parent company, ByteDance, in a matter of weeks, and in any event completing these discussions no later than September 15, 2020," Microsoft's statement read, in part. "During this process, Microsoft looks forward to continuing dialogue with the United States Government, including with the President.""The discussions with ByteDance will build upon a notification made by Microsoft and ByteDance to the Committee on Foreign Investment in the United States (CFIUS). The two companies have provided notice of their intent to explore a preliminary proposal that would involve a purchase of the TikTok service in the United States, Canada, Australia, and New Zealand and would result in Microsoft owning and operating TikTok in these markets. Microsoft may invite other American investors to participate on a minority basis in this purchase."Read Microsoft's statement in full here.Secretary of State Mike Pompeo later said President Donald Trump plans to take action on what he sees as a broad array of national security risks presented by software connected to the Chinese Communist Party.Trump has said he would soon ban TikTok in the United States. Treasury Secretary Steven Mnuchin says a federal committee is reviewing whether that’s possible, and its members agree that TikTok cannot remain in the U.S. in its current form. 1814

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

MARTINEZ, Calif. (AP) — Anti-racism protesters took to the streets Sunday in a San Francisco Bay Area city where two people were charged with hate crimes after allegedly defacing a city-sanctioned “Black Lives Matter” mural. The two were charged July 7, the same day that police in Martinez were called to investigate after someone painted “White Lives Matter” on a city street. Activists organized Sunday’s march after police found flyers threatening Black Lives Matter supporters in the name of a white-power group. Police are investigating the “White Lives Matter” graffiti. Detectives are searching for witnesses and video surveillance. 648

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