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The Presidential Inaugural Committee, which consists of prominent Democrats helping to organize next month’s inauguration, are encouraging Americans to stay away from DC and watch the inauguration from home.The quadrennial inauguration of a president and vice president is typically attended by hundreds of thousands. The committee says in light of the pandemic, a large gathering should be avoided.While the committee said details will be released in the coming days, inauguration organizers said that the ceremony’s footprint will be extremely limited."Our goal is to create an inauguration that keeps people safe, honors the grand traditions of the Presidency, and showcases the Biden-Harris Administration’s renewed American vision for an inclusive, equitable, and unified citizenry,” said PIC CEO Tony Allen in a statement.While the organizers did not say the inauguration parade would be canceled, organizers said it would be “re-imagined.”Earlier this month, President-elect Joe Biden said he envisioned an inauguration akin to the virtual Democratic National Convention, which was held in August."First and foremost in my objective is to keep America safe but still allow people to celebrate," Biden said. "To celebrate and see one another celebrating."Other Inauguration Day events, such as the signing ceremony and luncheon the new president has with congressional leaders, are still unknown. As of now, the Joint Congressional Committee on Inaugural Ceremonies is unaware of any restrictions related to the pandemic. Those wishing to get a spot to view Biden’s inauguration can still request tickets to the event through their member of Congress.Another sign that the pomp and circumstance of this year’s inauguration will look different is this could be the first time in US history that a presidential inauguration fails to result in a smooth transfer of power. Outgoing President Donald Trump has continued to allege the election was stolen from him despite dozens of failed lawsuits and no formal prosecutions of widespread fraud.It has been a long-standing tradition that the incoming and outgoing president meet at the White House and travel to the Capitol together before the inauguration.On Monday, Biden issued his strongest condemnation of Trump’s refusal to concede the election."It is my sincere hope we never again see anyone subjected to the kind of threats and abuse we saw in this election. It's simply unconscionable. We owe these public servants a debt of gratitude. They didn't seek the spotlight, you know, and our democracy survived because of them,” Biden said. 2602

The Miss America Organization is sharing the sad news of the death of Leanza Cornett, Miss America in 1993, at the age of 49.“Leanza had a bright and beautiful spirit and her laugh was infectious. We know she meant so much to so many, including all of you. We are devastated by this sudden loss in our Miss America family and we are deeply sorry for her family and close friends for their loss,” the organization wrote on their Facebook page. 450

The growing list of sexual harassment allegations against well-known powerful men has Congress taking steps to protect against misconduct in its own offices.Both the House and Senate have now agreed to require anti-harassment training for lawmakers and staff. That’s in addition to legislation just introduced that aims to provide more protections and resources for congressional staff members who file complaints."I think we're at a tipping point culturally in this country," said Rep. Jackie Speier, D-Calif. "I want to make sure Congress turns over a new leaf."The new effort to combat sexual abuse on Capitol Hill responds to staffers who say Congress has long been a breeding ground for misconduct.Aides have reported being sexually harassed by at least two unnamed sitting members of Congress, according to Speier, who recently revealed she was sexually assaulted in the 1970s when she was a Capitol Hill staffer.More than 1,500 former Capitol Hill staffers signed a petition this week urging the House and Senate to update decades-old sexual harassment policies they called “inadequate and in need of reform.”Speier introduced a bill Wednesday that would dramatically overhaul procedures for how sexual harassment claims are handled at the Office of Compliance, which is responsible for carrying out the unique procedures lawmakers established in 1995 to resolve sexual misconduct claims.Unlike most workplaces, employees in Congress who file harassment claims must first go through a months-long process. It includes up to 30 days of counseling, then a month of mediation where workers discuss their complaints with their employers, sometimes the same people accused of wrongdoing. Much of the system is blanketed in secrecy, with victims signing non-disclosure agreements and no reporting of which congressional offices eventually pay out settlements.The Office of Compliance won’t even say how many sexual harassment complaints it receives. The most recent numbers from the office showed only eight claims filed relating to any workplace issue last year out of 15,000 House and Senate employees. Speier said it's a sign employees are not comfortable reporting sexual misconduct."It's really no wonder staffers don't use this system," Speier said.Her bill would shorten how long employees must wait for resolution, allowing them to waive the requirement for counseling and mediation and go straight to court or to an administrative hearing at the Office of Compliance. It also would eliminate the requirement of a non-disclosure agreement up front and identify which lawmaker offices have complaints and settlements.The legislation would set up a victims’ counsel office to represent people who file claims. Right now, lawmakers have their own in-house lawyers able to represent them with staffers left to find their own advocates.Employees who file claims also would be allowed to work remotely, if requested, during the complaint process, rather than having to work in the offices where they allege wrongdoing occurred.It also would require a report every two years looking at sexual harassment on Capitol Hill.The protections would for the first time extend to interns, fellows and congressional pages.Similar legislation is being introduced in the Senate. Republican leaders who control the fate of legislation have not yet commented on Speier’s bill.House Administration Committee Chairman Gregg Harper, R-Miss., held a hearing Tuesday on sexual harassment in Congress. He called it a first step toward making sure staffers are protected from misconduct."We're talking thousands and thousands of staffers that are impacted by this, so we're going to do whatever we've got to do to make sure this doesn't happen," Harper said.On Tuesday, House Speaker Paul Ryan announced that anti-harassment and anti-discrimination training would become mandatory for all House members and staff.The Senate passed its own bill to require similar in-person training last week. 3981

The man accused of shooting his estranged wife and her friend at an apartment complex in Ortonville, Michigan is behind bars this morning thanks to the quick-thinking action of a resident and law enforcement.  222

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

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