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Michigan's Secretary of State, Jocelyn Benson, announced Friday a ban on the open carry of firearms on Election Day in polling places, clerk's offices and and absent voter counting boards.Local law enforcement agencies will enforce the ban statewide.“Fair, free and secure elections are the foundation of our democracy,” Benson said in a press release. “I am committed to ensuring all eligible Michigan citizens can freely exercise their fundamental right to vote without fear of threats, intimidation or harassment. Prohibiting the open carry of firearms in areas where citizens cast their ballots is necessary to ensure every voter is protected.”Secretary Benson issued the directive to all clerks stating that, “The presence of firearms at the polling place, clerk’s office(s), or absent voter counting board may cause disruption, fear, or intimidation for voters, election workers, and others present."Benson directed, “[t]he open carry of a firearm is prohibited in a polling place, in any hallway used by voters to enter or exit, or within 100 feet of any entrance to a building in which a polling place is located.”Attorney General Dana Nessel said, “Michigan voters have the right to vote in person on Election Day free from threat and intimidation. An armed presence at the polls is inconsistent with our notion of a free democracy. I stand with the Secretary in her commitment to ensure that every eligible voter who wants to vote in person can do so safely and without fear or intimidation.”This story originally reported on wxyz.com. 1554

MEXICO CITY (AP) -- Mexico's top coronavirus official says definitive data on the death toll from COVID-19 won't be available for "a couple of years."The statement Sunday by Assistant Health Secretary Hugo López-Gatell is likely to revive debate about Mexico's death toll, currently at 76,430, the fourth-highest in the world.Officials acknowledge the figure is an undercount, because Mexico does very little testing. But the federal government has avoided adjusting its death toll upward to account for people who died at home or weren't tested.Some parts of the country like Mexico City have found "excess deaths" likely caused by coronavirus were at least double official figures. 691

Members of the Ottawa Senators were caught on camera slamming one of their coaches while they were in the Phoenix area to face the Arizona Coyotes last week, the Ottawa Sun reported Monday.During the video, Senators players made derogatory comments about an assistant coach during an Uber ride in the Valley. The conversation was being recorded, presumably by the Uber driver and without the knowledge of any of the players.Forward Matt Duchene, defenseman Chris Wideman, center Chris Tierney, defenseman Thomas Chabot, defenseman Dylan DeMelo, forward Colin White and forward Alex Formenton were in the vehicle during the conversation in question. The video lasts a total of five minutes.During the video, the players made comments about Senators assistant coach Martin Raymond, questioning the effectiveness of his coaching and his meetings to discuss strategy. “Do you notice that when he runs the video, if you actually do pay attention, he doesn’t ever teach you anything? He just commentates what’s happening," Wideman said.“Here’s the other thing, too. We don’t change anything, ever. So why do we even have a meeting? I haven’t paid attention in three weeks," Duchene said.In response to the video, the players seen in the video issued the following statement Monday night:"We want to apologize publicly to Marty Raymond, our teammates and coaches for our comments in Phoenix, Arizona on October 29. Our private conversation was recorded without our knowledge or consent. We're passionate about our team, and focusing on growing together. We are grateful for the support of our fans and organization. This is an important learning experience, and we will do better."In addition, Senators head coach Guy Boucher issued the following statement:"Nothing is more important to us during this rebuild than making sure our players and coaches are fully committed to our plan, our values and our system of play. We have every confidence in Marty Raymond's coaching; in the effort and determination of our team; and in the sincerity of our players' apology. We are now treating this as a team matter, and will be making no further comment to the media."The video was posted on YouTube and Twitter last weekend before being removed, but the Ottawa Citizen has since reposted the video. It appears the Uber driver may also be in some trouble, as Rob Khazzam, general manager of Uber Canada, said the following via Twitter on Monday evening:"A video was released by the media today of several Uber passengers being filmed without their consent while having a private discussion during a trip in Phoenix. This is a clear violation of our terms of service and we worked vigorously to investigate this issue. Filming or recording passengers without their consent is totally unacceptable and if reported / detected we will investigate + take action to preserve our communities privacy and integrity. In this specific case, we made efforts to have the video taken down."Warning: This video contains strong language.The Coyotes defeated the Senators 5-1 on Oct. 30. 3148

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

Market sentiment is so fragile that news of an arrest is enough to set off a selling wave.The Dow plunged as much as 785 points on Thursday. The index was recently down about 400 points, or 1.3%. The S&P 500 lost 1.1%, while the Nasdaq fell 0.3%.The arrest of Huawei CFO Meng Wanzhou in Canada at the request of the United States renewed doubts about the US-China truce.The latest sign of tension between Washington and Beijing also sent shudders through global markets. Hong Kong's Hang Seng plunged 2.5% overnight, while European stock markets declined sharply as well. Germany's DAX nearly closed in a bear market, down nearly 20% from its January closing high.Companies like Apple (AAPL) and Boeing (BA) that have significant exposure to China fell sharply. Other trade-related stocks like Broadcom (AVGO) and Harley-Davidson (HOG) were also under pressure. Alibaba (BABA), the Chinese e-commerce giant, tumbled 3%. The Dow and S&P 500 have once again turned negative on the year. The S&P 500, down 9% in the fourth quarter, is on track for its worst quarter in seven years.The arrest of Meng -- the daughter of the founder of one of China's most important companies -- serves as a fresh reminder that the United States and China remain in a trade war, despite the ceasefire reached last weekend in Argentina. Tariffs already imposed remain in place and new ones loom if talks fail to result in a breakthrough or at least an extension within 90 days."This comes at a truly delicate time," Win Thin, global head of currency strategy at Brown Brothers Harriman, wrote to clients on Thursday. "We think this will force China to take a more aggressive and confrontational approach with the US."  1720