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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

My grandmother used to take me to Cielo Vista Mall. Now it’s one more mass shooting scene. How many more must grieve before we act? #ElPaso— Pete Buttigieg (@PeteButtigieg) August 3, 2019 201

Moving is a part of growing up: from home to dorm or apartment, from apartment into a condo or home, from one part of the country to another. While the reasons can vary, this year the coronavirus pandemic is motivating a lot of moves.Realtor groups around the country have reported that home sales continue to be strong in many areas around the country, as buyers look for a new place to call their work-from-home office. The National Association of Realtors says August is poised to have a home buying peak, with year-over-year growth in home sales, buyer demand and housing prices.Since many are discovering work can be done from a home located almost anywhere during the pandemic, moving trends are favoring smaller cities and reportedly lower rents and home prices.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends. They looked at more than 25,000 moves booked since March 11, 2020 to see where people were headed as the country manages the coronavirus pandemic.According to HireaHelper, 15 percent of all moves they tracked were motivated by the pandemic. Of those moves, 37 percent were moving because they could no longer afford to live where they were living.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving. The next closest state with high move-in compared to move-out numbers was New Mexico with a 44 percent increase.According to a survey conducted in July by the Pew Research Center, one-in-five Americans (roughly 22 percent) have relocated because of the Covid-19 pandemic or know someone who has. Roughly 6 percent of those surveyed say someone has moved into their household because of the pandemic.Overall those most likely being motivated to move or to have more people move into their home because of the pandemic are young adults, 37 percent of 18 to 29 year olds surveyed.In that age group, roughly one-in-ten of them said they have moved because of the coronavirus outbreak. The reasons varied from colleges closing campus, work hours cutting back or being laid off.Typically, there is a slow down in home sales and moving in the fall and winter. The National Association of Realtors says the pandemic has pushed the normal summer peak by a few months into August. Time will tell if the pandemic impacts moving trends into the later part of 2020. 2634

MILWAUKEE (AP) — Milwaukee police arrested a man suspected of throwing battery acid on a Hispanic man who says his attacker asked him, "Why did you come here and invade my country?"Police said Monday they arrested a 61-year-old white man suspected in Friday night's attack and were investigating the case as a hate crime. They refused to release his name pending charges, but the Milwaukee Journal Sentinel identified him as Clifton A. Blackwell, a military veteran whose mother said had struggled with post-traumatic stress.Mahud Villalaz suffered second-degree burns to his face. He said the attack happened after a man confronted him about how he had parked his car and accused him of being in the U.S. illegally. Villalaz, 42, is a U.S. citizen who immigrated from Peru.The attack comes amid a spike in hate crimes directed at immigrants that researchers and experts on extremism say is tied to mainstream political rhetoric.RELATED: Argument over parking space leads to acid attack, hate crime investigation in MilwaukeeMilwaukee Mayor Tom Barrett expressed shock at the attack and blamed President Donald Trump for inciting hatred against minorities. The president has repeatedly referred to migrants attempting to cross the U.S.-Mexico border as an "invasion.""To single out someone because they're from a Hispanic origin is simply wrong. And we know what's happening," Barrett, a Democrat, said. "Everybody knows what's happening. It's because the president is talking about it on a daily basis that people feel they have license to go after Hispanic people. And it's wrong."White House spokesman Judd Deere said the Trump administration has "repeatedly condemned racism, bigotry and violence.""The only person responsible for this heinous act is the person who committed it, and it's disgusting the mayor of Milwaukee would rather point the finger at the president of the United States for political reasons instead (of) responsibly confronting the violence in his own community," Deere said in a statement.Jacqueline P. Blackwell, of California, told the Journal Sentinel that her son had moved to Milwaukee seeking to get help. She said she had not been in touch with him recently and had not heard of his arrest."I was comfortable that he was getting good care with the VA," she told the paper.Blackwell's brother, 63-year-old Arthur Blackwell of Evergreen, Colorado, told The Associated Press on Monday that Blackwell "was not a confrontational person." He says his brother served nearly four years in the U.S. Marines.State court records show Blackwell was convicted in a 2006 Rusk County case of false imprisonment and pointing a gun at a person. Details aren't available online, but the Journal Sentinel reported the case involved Blackwell confronting men who had come onto his farm property tracking a deer.Surveillance video shows the confrontation but does not include audio.Villalaz told reporters on Saturday that he was headed into a Mexican restaurant for dinner when a man approached him and told him, "You cannot park here. You are doing something illegal." He said the man also accused him of being in the U.S. illegally and of invading the country.He said he ignored the man and moved his truck to another block. But when he returned to the restaurant, the man was waiting for him with an open bottle, Villalaz said.The man again accused him of being in the U.S. illegally, Villalaz said. He then told the man that he was a citizen and that "everybody came from somewhere else here," Villalaz said.That's when he says the man tossed acid at him. Villalaz turned his head, and the liquid hit the left side of his face.Villalaz's sister told The Associated Press on Monday that her brother believes the man was prepared and wanted to attack someone."He's in shock. He says he can't conceive how someone would be intent on harming someone like that," Villalaz said in Spanish.She said her brother is recovering. She said the doctor who treated him said it helped that he immediately washed his face several times inside a restaurant. His family created a GoFundMe page to cover his medical expenses.A report last year by the Anti-Defamation League said extreme anti-immigrant views have become part of the political mainstream in recent years through sharp rhetoric by anti-immigration groups and politicians, including Trump.Data collected by the FBI showed a 17% increase in hate crimes across the U.S. in 2017, the third annual increase in a row. Anti-Hispanic incidents increased 24%, from 344 in 2016 to 427 in 2017, according to the FBI data. Of crimes motivated by hatred over race, ethnicity or ancestry, nearly half involved African Americans, while about 11% were classified as anti-Hispanic bias.Brian Levin, director of the Center for the Study of Hate and Extremism at California State University-San Bernardino, released a study in July that found a 9% increase in hate crimes reported to police in major U.S. cities in 2018. Levin found a modest decrease in bias crimes against Hispanic or Latino people — from 103 in 2017 to 100 in 2018 — in 10 major cities, including New York, Chicago and Los Angeles. However, Levin has said the totals likely would have increased last year if not for an unexplained drop in anti-Hispanic bias crimes reported for Phoenix, from 25 in 2017 to 10 in 2018.___Associated Press writers Gretchen Ehlke in Milwaukee, Jeff Baenen in Minneapolis and Michael Kunzelman in College Park, Maryland, contributed to this report. 5498

Mohamad is most at home in the kitchen. The smell of homemade recipes taking him back to the best parts of his childhood. A childhood cut short by violence and unrest in his home country, Syria.“When I walked down the street, I was scared to get a bomb in my head,” said the 24-year-old man. “Even walking from the school to your apartment, you’re not safe. That was very scary for me and my parents and everyone that was in Syria."The Arab Spring forced his family to flee their home in Damascus. “We rent an apartment in another city, and we come back to our house and we don’t find a house. We find it clear, everything destroyed. Some people told my dad, 'Your factory work is gone. It got bombed and destroyed,'” recalled Mohamad.With his father’s business and their home gone, the family moved to Egypt to start a new life. “It was kind of tough, to move to a different country where you don’t know the language. It was tough for me,” said Mohamad.That move was just a preview of the challenges to come. After years of applying, his family was accepted as refugees in the United States.“When I moved to this country, I didn’t speak any word of English. It was kind of, really hard to communicate with the people and learn the culture,” he said.However, Mohamad and his parents were met with resettlement help from a local organization.“They were helping us to find school, to find work,” he said of the African Community Center in Denver.English classes, job coaching, legal help—they were all the services funded by the Refugee Act of 1980. Mohamad was determined to prove that support from the government was worth it.“I used to work four jobs at the same time,” he said. “I used to sleep only four hours, to make this dream happen,” he said of opening his own restaurant to share his family’s legacy.After two years of hard work, he reached his goal of opening his own restaurant.“There is so many opportunities here. I am one of the people who found a good opportunity to open my own business in two years. That was really fast," he said.But Mohamad is worried other families, with dreams just like his, will never find the happiness he’s found.“I was lucky, but if someone who came now to the United States didn’t find this sort of organization, he won’t make it here,” said Mohamad.The organizations that help refugees are starting to slowly shut down, because help for refugees in the United States is at an all-time low.When the Refugee Act of 1980 was created, the United States took in more than 200,000 refugees, but since then, that number has eroded steadily.2021 will set a record-low for the program, allowing only 15,000 refugees to come to the United States, and with cuts to refugees allowed into the country, come cuts to the programs that help them out once they arrive.“If the programs keep taking cuts with no recovery, we’re basically removing our ability to take in refugees and support them, which I think might have been there point of the cuts. But I don’t think that’s who we want to be as Americans,” said Dr. P.J. Parmar, a physician at the Mango House, a shared space for refugee medical care and refugee-run small businesses.The Mango House is an independent health clinic, so it isn’t affected by the cuts to the refugee program directly. Parmar said the cuts to federal refugee programs over the decades are forcing centers across the country to shut down.Many services now falling more on independent providers like Dr. Parmar than ever before. It’s a trend he hopes won’t continue.“I think a lot of folks hear the word ‘refugee’ and they think, ‘Oh these are dirty people we don’t want to take care of,’ but the refugee story is the American story,” said Parmar. “All of us, unless you’re Native American, you probably have some sort of refugee background.”Mohamad and Dr. Parmar are hoping families across the country will think of their own stories when they see places like the Mango House thriving in their own communities.“When I moved over here, I had a goal in my mind, and I think it’s similar to anyone…I worked so hard to get something for me and my family, that’s my dream.”A dream he hopes more people will get the chance to have. 4192