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The pandemic has brought on a shortage of toilet paper, cleaning supplies and disinfectants. Now there's a new shortfall in the form of currency.The coin supply has been disrupted, forcing the Federal Reserve to step in.Like everything else in our lives, COVID-19 got in the way. This time it’s affecting the currency supply by causing fewer coins.Now, the U.S Mint is trying to keep up with the demand.Jim Gaherity of Coinstar, which has 22,000 kiosks around the world, says this is a call to action.“What’s happened during the pandemic is businesses have been shut down without access to buy your daily coffee, afternoon sandwich, which most purchases of small items is done by cash,” Gaherity said. “In the US, the ability of the consumer to recirculate that coin back into the retail, which then goes back into the bank, slowed down significantly.”The 29-year-old company is mainly featured in grocery stores and banks. People come in with loose change and get a voucher for folding money, or these days, you can load your Starbucks and Amazon account, donate to charity, or buy bitcoin. Gaherity says, believe it or not, most of those coins are now stuck in people's homes.“The vast majority of coins is (sic) recirculated through typical use of consumer,” Gaherity said. “They’re either taking it and buying things from store. which goes into till which then goes back into the banking system into inventories, or they’re going to aggregators like Coinstar.”The way money is funneled through our country is like a big cycle. The mint produces a new coin and it goes through the federal reserve bank, which then takes orders from banks and distributes it.“What banks do is look historically in terms of retail orders that they’re getting,” Gaherity said. “Retail is getting coin and currency from their local bank and they know historically what that volume typically looks like so they place their orders in advance to fulfill the need from retail.”Businesses and consumers help move it around too.“Coinstar recirculates more coins every year in the US by 3.5 times what the US mint produces,” Gaherity said.Those Coinstar kiosk bins weigh about 700 pounds when collected. That's a lot of pennies, nickels, dimes and quarters. Trucks pick it up and swap it out.“That coin goes on the truck and into a processing center,” Gaherity said. “It’s places like Loomis and Brinks where we deliver that coin. They take those bins and fine count every single piece and distribute into denominational bins so all the pennies, nickels, dimes, all get segregated. Once that’s all done and count is complete, it goes back into the local bank.”Coinstar is doing extra pickups to help recirculate as much as they can. There's just not enough out there because people aren't putting it back into the system.Asked if coins are, like toilet paper once was, the next thing that people are hoarding. Gaherity said, “That’s the question we’re trying to answer. We work with the Mint and Federal Reserve to try and understand better are banks hoarding it right now? Are they keeping it for themselves for their customer calls to start again? If you think about a bank that services Walmart, they want to have enough coin in their inventory to deliver to Walmart for their registers. They don’t want to disappoint Walmart. Nobody wants to disappoint their retailers.”Banks are the largest recycler of coins. They, like the rest of us, are watching, waiting, to be able to resume normal routines. When we asked what's next, Gaherity said, “That is the question of the day. How do we get the right supply to meet the demand that’s out there? What we’re asking Americans is come out and do your normal transactions, go to a Coinstar, go to a bank and make despots so we can see recirculated coin fill the pipeline enough for the demand we have.”The good news he says, is that the European Coinstar Operations are back online and normal. 3923

The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The National Rifle Association is suing the state of Florida after Gov. Rick Scott signed Senate Bill 7026 into law Friday, the first gun control legislation enacted in the state after the Parkland school massacre on February 14.The NRA suit focuses on the part of the law that raises the minimum age to purchase a firearm to 21 from 18."This bill punishes law-abiding gun owners for the criminal acts of a deranged individual," executive director of the NRA Institute for Legislative Action Chris W. Cox said. "Securing our schools and protecting the constitutional rights of Americans are not mutually exclusive."Seventeen people were killed at Marjory Stoneman Douglas High School when a 19-year-old man with a semi-automatic military-style rifle opened fire.The lawsuit, filed in the Northern District of Florida, says the age minimum section of the new law violates the second and 14th amendments of the US Constitution.The NRA argues people who are 18 years old are considered adults "for almost all purposes and certainly for the purposes of the exercise of fundamental constitutional rights."The organization also contends federal law already prevents many Americans 21 or younger from buying certain types of guns. Florida's law unconstitutionally broadens those limits, the NRA says.Florida Attorney General Pam Bondi, who is named as a defendant, said she was proud of the law."This bill is not perfect, and sadly it will not bring back the 17 lives lost in the horrific school shooting, but the safety of our children is not a political issue, it's simply the right thing to do," she said.Bondi also lauded the students of Stoneman Douglas, many of whom have called for tougher gun laws.Several students texted CNN's Dianne Gallagher with their excitement about Scott signing the measures."We are happy and ready to keep working!!," wrote junior Connor Dietrich."We have much more planned. This is just the beginning," Tyra Hemans said.The new law also bans the sale or possession of bump fire stocks, gives law enforcement greater power to seize weapons and ammunition from those deemed mentally unfit, and provides additional funding for armed school resource officers.A controversial part of the new law is known as the Coach Aaron Feis Guardian Program, which arms some teachers if both the local school district and local sheriff's department agree. The million provision is named after the coach who shielded students with his own body and died in last month's shooting.An NRA statement issued after the governor signed the law said the organization supports increased school security, fixing what it called a broken mental health system and keeping guns away from people who are mentally ill"Preventing a responsible 20-year-old from purchasing the best tool for self-defense will not stop a deranged criminal intent on committing a crime," the NRA said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2981

The holiday season leads the mad dash to the end of the year for businesses, but this year’s dash may look entirely different because of the pandemic.“Especially the grassroots efforts, connecting with them face-to-face. Unfortunately, right now, we can’t do that. So, we need to be thinking about now, ‘How can we get in front of people more frequently?’” said Lacey Book, a business consultant specializing in helping small businesses succeed. “Essentially, we need to get in front of people and cut through the noise of everything else.”In these challenging times, she offered specific tips for navigating through December.Among her ideas:Make sure your business has a web presence that is easy to navigate. It's critical to reaching customers, who are now mostly shopping online.Reach out to repeat customers you’ve had over the months and years through email and social media.Create connections with other businesses by collaborating on marketing and see how you can help them. Being benevolent, she said, goes a long way.Discounts help as well“I think it would really be important to look at, ‘Where in my business can I offer maybe a discount or extend the opportunity for people to buy something at a lower price point?’” Book said. “Because people are also price shopping, where in the past, people were really able to find money for the things that they really wanted. But now, what they’re doing is spending money on what they actually need.”While these tips are aimed at helping businesses get through the pandemic, Lacey Book said it is likely some of the advice will be relevant beyond that, because our shopping habits and expectations may have changed for the long haul. 1694

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More 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. 3623