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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

Former President Barack Obama said Wednesday there are no practical benefits to a bill Republicans are considering to replace the Affordable Care Act.Speaking in New York, Obama said the bill would increase costs and strip coverage from vulnerable Americans."When I see people trying to undo that hard-won progress, for the 50th or 60th time, with bills that will raise costs, reduce coverage and roll back protections for older Americans and people with pre-existing conditions ... it is aggravating," Obama said during an event sponsored by the Bill and Melinda Gates Foundation. 589

FRANKFORT, Ky. -- Republican Gov. Matt Bevin has opposed Kentucky teachers' rallies for pension protection and public education funding since they began, but never quite the way he did on Friday afternoon, when he told a gaggle of reporters that the strike would directly cause children to be injured, poisoned and sexually assaulted. "I guarantee you somewhere in Kentucky today a child was sexually assaulted that was left at home because there was nobody there to watch them," he said. "I guarantee you somewhere today, a child was physically harmed or ingested poison because they were home alone because a single parent didn't have enough money to take care of them."Bevin, who hours later would see his veto of an education-boosting?state budget overriden by state lawmakers, characterized the attitudes of striking teachers as cavalier and flippant about student safety. He asserted their failure to appear would especially endanger the children of single parents who could not afford to miss a day of work.Bevin added he had seen many around the capitol "hanging out, shoes off, hanging out, smoking, hanging out, leaving trash around (and) taking the day off."Friday's teacher rally did result in the closure of at least 30 Kentucky school districts, including Erlanger-Elsemere Schools and Bellevue Independent Schools. However, officials from both Erlanger-Elsemere and Bellevue said Bevin's proposed education cuts -- not the one-day absence of teachers -- would "severely reduce" services that provide forms of childcare before and after school, including kindergarten, preschool and tutoring."If you look back to the governor's original budget, our district would stand to lose million and overall, Northern Kentucky districts would lose about million," Melanie Gleason, a teacher at Erlanger-Elsemere's Tichenor Middle School, said Friday morning.Although the teachers succeeded in protecting pensions for current workers and pressuring legislators into overriding Bevin's veto, Kentucky teachers could still face problems in the future. The pension bill passed by the Kentucky legislature moves new hires onto a hybrid pension plan and would not protect them from future changes to the system.Similar protests have occurred across the nation, with teachers rallying in Oklahoma and Arizona over low funding and pay. The demonstrations were inspired by West Virginia teachers, whose nine-day walkout after many years without raises led to a 5 percent pay hike.WCPO attempted to contact Gov. Bevin's office for clarification Friday night. No one answered the phone; Bevin's voicemail box was full. 2646

Former Trump campaign aide Sam Nunberg arrived at District Court in Washington, DC, Friday morning, where he is expected to deliver federal grand jury testimony as part of special counsel Robert Mueller's investigation.Nunberg is the first recognizable Trump campaign affiliate to appear at a hearing related to Mueller's investigation into Russian meddling in the 2016 election by walking through the main entrance of the federal courthouse and heading to the grand jury area. Other witnesses have presumably testified before Mueller's grand jury since it started meeting last July, but none have made as public an appearance.  641

Flight-certification testing for Boeing’s 737 Max, which has been grounded since March 2019 because of two deadly crashes, could begin as early as Monday, according to an Federal Aviation Administration email sent Sunday to congressional oversight committees.The company needs clearance from the FAA before the planes can fly again, and the test flights, with FAA test pilots, are a key step. They would take several days and would evaluate Boeing’s proposed changes to the automated flight control system on the Max.The flight control system, triggered by faulty readings from sensors, pushed the planes into nosedives that led to crashes in Indonesia and Ethiopia, killing 346 people.Even if no new problems are discovered during the test flights, it’s likely to take at least a month to get pilots trained and get mothballed planes upgraded, inspected and serviced. The FAA has to sign off on Boeing’s pilot-training program, and a panel of international regulators will comment on minimum pilot training too.Boeing said it deferred to the FAA and global regulators on the Max certification process.Nearly 400 Max planes had been delivered to airlines before they were grounded, and Boeing has built several hundred more. 1232