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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore from NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

NBC weatherman Al Roker announced Friday that he is battling prostate cancer.Roker, 66, made the announcement live on the air on Friday, adding that he is "going to be OK.""It's a good news-bad news kind of thing," Roker said on the Today Show. "Good news is we caught it early. Not great news is that it's a little aggressive, so I'm going to be taking some time off to take care of this."NBC says Roker will undergo surgery in New York next week at Memorial Sloan Kettering Cancer Center.Roker added that he went public with his diagnosis because he wanted to highlight the dangers the disease poses to American men. One in nine men will be diagnosed with prostate cancer in their lifetimes. The disease also disproportionately affects Black men, as one in seven African-American men will face a prostate cancer diagnosis.This story is breaking and will be updated. 875

MOUNT RUSHMORE NATIONAL MEMORIAL, S.D. (AP) — Speaking to a largely maskless crowd at Mount Rushmore, President Donald Trump says protesters have waged “a merciless campaign to wipe out our history” amid demonstrations against racial injustice and police brutality. The sharp rebuke in a pre-holiday address Friday to mark the nation’s independence follows weeks of nationwide protests following the killing of George Floyd by police in Minneapolis. Some demonstrators have also destroyed or damaged Confederate monuments and statues honoring those who have benefited from slavery. Trump says, “This movement is openly attacking the legacies of every person on Mount Rushmore.""The radical ideology attacking our country advances under the banner of 'social justice.' But in truth, it would demolish both justice and society," Trump said. "They want to silence us. But we will not be silenced."Trump says he will establish a “National Garden of American Heroes,” which he is describing as “a vast outdoor park that will feature the statues of the greatest Americans who ever lived.”Trump made the announcement as he opened the Fourth of July weekend with a speech and fireworks at the iconic Mount Rushmore.He led into the announcement by paying tribute to a litany of American icons, from political figures like Ulysses S. Grant and Frederick Douglass to entertainers like Elvis Presley and Frank Sinatra.The executive order released Friday by the White House says the garden will feature statues of several presidents as well as other historic notables, including Davy Crockett, Amelia Earhart, Billy Graham, Harriet Tubman and Orville and Wilbur Wright. 1664

NASHVILLE, Tenn. — Postmaster General Louis DeJoy told senators Friday that the cost-cutting fixes he has made to the U.S. Postal Service transportation system were designed to improve service."The only change I made, ma'am, was the trucks leave on time," said Postmaster General Louis DeJoy on Friday.But an investigation by Scripps station WTVF in Nashville found that, at the same time that DeJoy was testifying, the Postal Service was paying for an empty truck to drive from Nashville to Illinois.It turns out that DeJoy's changes have led to empty postal trucks being run all over the country.Testifying before a U.S. Senate committee Friday, DeJoy defended his cost-cutting measures, specifically highlighting cuts that targeted transportation issues within the Postal Service.Those cuts require postal trucks to leave sorting facilities by a specific time each day and are intended to reduce expenses related to overtime and extra trips.But postal workers in Nashville say DeJoy's new mandate is not practical and is having unintended consequences."Trucks leave empty," said Joe Jolley, a postal employee with the postal workers union in Nashville. "They leave completely empty. We pay a truck to travel to Memphis, a 53-foot truck with no mail on it."Piles of mail that, postal workers say, missed their intended transportsJolley said DeJoy's new policy does not allow a truck to be held up for even five minutes so it can be loaded with mail. He added that Express Mail and Priority Mail are often left sitting on the docks because trucks have already left."That is very important mail — cremated remains, legal documents, things that must be delivered on time, guaranteed delivery — and we are not making that guarantee," Jolley said.In June, the Postal Service's inspector general issued a report on the transportation network."During our site visits, we observed mail processing operations not processing mail timely, and not enough dock personnel moving the mail. This caused mail to miss its last scheduled transportation trip, which led to management calling extra trips and using driver overtime," the report said.The inspector general's report found delays in mail processing and inadequate dock staffing resulted in five million late trips last year, costing the agency 0 million.In response, DeJoy, who was appointed postmaster general in June, mandated that every truck keep its schedule, even if it is empty."If they are scheduled to leave at 7 a.m., they leave at 7 a.m., mail or no mail," Jolley said.According to a trip ticket obtained by WTVF, an empty truck left Nashville's sorting facility Friday at 6:01 a.m. on its way to Carol Stream, Illinois.The ticket shows the truck left 14 minutes ahead of its scheduled 6:15 a.m, departure time, embarking on the 500-mile trip even though it had no mail.On the same day, a second truck bound for Memphis left 10 minutes early with an empty trailer, and yet another 53-foot trailer was empty when it left for Bowling Green four minutes ahead of schedule.Trip tickets show an empty truck left Nashville's sorting facility Friday at 6:01 a.m. on its way to Carol Stream, Illinois.USPS trip ticket shows truck left Nashville for Carol Stream, iL on Aug. 21 with 0% of its total capacity filled.USPS trip ticket shows truck left Nashville for Memphis on Aug. 21 with 0% of its total capacity filledDon Eggers has been with Postal Service for 40 years and is vice president of the American Postal Workers Union, Local 5 in Nashville."We are seeing mail being delayed daily," Eggers said.He said reducing staff and the number of sorting machines, which has happened in Nashville and at post offices across the country, only makes it harder to get mail ready for trucks.In all, five of the facility's 34 sorting machines have been taken out of service recently, according to multiple sources with the postal workers union.When asked why he thought mail sorting machines had been taken offline, Eggers said he thought that the Postmaster General was "basically just delaying the mail."DeJoy told senators on Friday that mail sorting machines across the country are being removed to make more room for packages because mail volume is decreasing while package delivery is going up."Those machines, once they are gone, they are not coming back," Eggers said.DeJoy confirmed Friday that any mail sorting machines taken offline in recent months will not be restored.But Jolley says those are not the only machines taken out of service.Until recently, Nashville had three machines capable or sorting oversized, flat mail, such as mail-in ballots, he said.Jolley said one of those machines was just taken out of service, leaving the post office with no back-up if either of the remaining two machines were to fail."I think it's dangerous," Jolley said.DeJoy assured senators the postal system would be able to handle mail-in ballots nationwide and promised to stop removing sorting machines until after the election.But workers are concerned.Eggers stopped short of saying that DeJoy was attempting to "sabotage" the election, but added the changes would have an impact."If the things (DeJoy) wants to be done, the postal service is to do, yes, it's going to affect (the election)," Eggers said.DeJoy will answer additional questions Monday before the U.S. House of Representatives.This story was originally published by Ben Hall and Kevin Wisniewski on WTVF in Nashville, Tennessee. 5449

NATIONAL CITY (CNS) - Authorities Tuesday released the name of a man being sought on suspicion of fleeing the scene of a four-vehicle crash that killed another driver on Interstate 5 in National City last weekend.The crash on northbound I-5, south of Mile of Cars Way, happened around 4:50 a.m. Saturday, California Highway Patrol Officer Jake Sanchez said.A 2017 Toyota Tacoma pickup was traveling at high speed when the driver veered into the center median to pass a slower vehicle and struck a parked, unoccupied 1996 Nissan 200 coupe, Sanchez said.RELATED: Fatal National City crash shuts down northbound Interstate 5The pickup overturned after hitting the Nissan, which was pushed into the side of a passing vehicle, the officer said. The truck and the Nissan came to a stop blocking several traffic lanes.A 2003 Honda CRV then struck the Toyota, according to the CHP. The SUV's driver, 36-year-old Luis Felipe Marin of San Ysidro, was pronounced dead at the scene.CHP investigators determined that 45-year-old Raul Brown was the last known driver of the Toyota, but attempts to locate him have been unsuccessful, Sanchez said.Anyone with information about Brown's whereabouts was asked to contact CHP Officer Brad Clinkscales at 858-293-6028. 1256

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