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The pandemic put a real stress on the funeral industry in some areas. Some crematoriums and funeral homes even raised prices because of demand.“What you learn is the variance within a market is extraordinary,” said Ed Michael Reggie, founder of Funeralocity.com. “You can have a direct cremation for ,000 or 00, you can have a burial for ,000 or ,000.”On Funeralocity.com, you can find the prices for nearly every funeral home in America, more than 19,000. Experts say people rarely shop around with final preparations.“Survivors are in a grief-stricken state. They just say, ‘oh gosh we’ve been to the memorial funeral home down the street for other things,’ they just call them,” said Reggie.Part of the problem is funeral homes don't have to post prices online. They're required to give the cost over the phone or provide a list in person. The Federal Trade Commission may eventually require it.Funeralocity.com is free to use.“We hope the way we’ve created our website, where you can mix and match, say ‘OK I want a traditional burial with a ceremony, I want one without, I just want a direct burial, a direct cremation, how about a cremation with ceremonies,’ so we let them play around and it’s all apples to apples to apples, all the other funeral homes in the area,” said Reggie.Funeralocity.com created a program to give accreditation to funeral homes that are vetted and transparent.There are laws that prevent funeral homes from charging extra because of a particular disease or refusing services because of a disease. 1547

The pandemic is coinciding with flu season, which is a potentially dangerous scenario doctors and nurses have given much thought to as the winter months approach.“How much is [the flu] going to play into things, and is it just going to make everything worse?” said Dr. Michelle Barron. “Is it going to comingle with COVID, and actually make people double sick or doubly ill?”Dr. Barron is the senior medical director of infection prevention and control at one of Colorado’s largest hospitals. She says staff has come up with contingency plans to deal with an influx of patients who might be battling serious flu symptoms.“We’ve been really encouraging our patients to get their flu shots and make sure they have that on their list,” she said. “We understand that there are some years that you’re debating whether or not it’s worth it, and we’re like this is the year you need to get it.”The CDC estimates around 196 million flu shots are available this year, a 13 percent increase from last year’s record-setting dosage of 175 million. It is an important number as last year 400,000 people were hospitalized for the flu, a potential burden hospitals have prepared for as bed space is now at a premium.“We’ve already surpassed the numbers of the first surge, so now, we’re like what’s next,” said Maddie Smith, a nurse at UCHealth in Colorado.Smith works in the hospital’s COVID ICU. She says while her unit has not reached a tipping point, it is expecting more flu patients to come in. Her unit has made plans to allocate more bed space to the seriously ill, regardless of cause, and treat them with whatever drugs are necessary. The good news, she says, is the flu has been treated for years, so doctors have a good plan of attack, and the measures we have taken to reduce the spread of COVID-19 are having a positive effect on the spread of the flu.“We usually are able to use the southern hemisphere as a good way to figure out what our flu season is going to look like,” said Dr. Barron. “They actually had a pretty mild flu season but COVID hit at the exact same time.”Dr. Barron says 3 to 5 percent of COVID-19 patients have had co-infection with another virus, showing complications are possible as flu season hits its stride, but not guaranteed.“I don’t think it’s anything that we can’t manage that we already haven’t thought about,” said Dr. Barron. 2367

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

The Navy has modified their SEAL ethos and creed to remove “man” and “brotherhood” to include gender-neutral language, according to military officials. In response, President Donald Trump tweeted he would “overturn” the changes."The previous versions of the SEAL Ethos and SWCC Creed were written prior to the law allowing women to serve as operators in Naval Special Warfare," Lt. Cmdr. Matthew Stroup, a spokesman for Naval Special Warfare Command, told Military.com.The changes were first reported by the American Military News on Monday. Thursday afternoon, President Trump responded on Twitter to a Conservative outlet who had tweeted a link to the story saying “I will be overturning this ridiculous order immediately!” 733

The parents of Otto Warmbier are suing North Korea in a 22-page complaint filed Thursday in federal court in Washington.Warmbier was a college student from Wyoming, Ohio, who was jailed in North Korea and died shortly after he was returned to the United States in a coma.In the document, Fred and Cindy Warmbier accuse Kim Jong Un's "criminal" regime of brutally torturing and murdering the 22-year-old during his 17-month-long captivity from Jan. 2, 2016, through June 13, 2017.“Otto was taken hostage, kept as a prisoner for political purposes, used as a pawn and singled out for exceptionally harsh and brutal treatment by Kim Jong Un. Kim and his regime have portrayed themselves as innocent, while they intentionally destroyed our son’s life. This lawsuit is another step in holding North Korea accountable for its barbaric treatment of Otto and our family," said Fred Warmbier in a statement. Examine the full complaint in the box below.Last summer, Fred Warmbier told the hosts of Fox & Friends and CNN "it looked like someone had taken pliers and tried to rearrange" Otto's bottom teeth. He said he noticed this while?examining?his son after he returned to the U.S. in June. But the Hamilton County Coroner's Office disputed that account. In a news conference, Coroner Dr. Lakshmi Sammarco said she did not see "any evidence of trauma" to Otto's teeth upon his return from North Korea and that she was surprised by the Warmbier's statements.The Warmbiers also attended President Trump's State of the Union address in January.“You are powerful witnesses to a menace that threatens our world, and your strength inspires truly us all,” Trump said to the Warmbiers. “Tonight, we pledge to honor Otto's memory with total American resolve.”Following that, Fred Warmbier accompanied Vice President Mike Pence to the Olympics in South Korea.  1935