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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 first lady Michelle Obama discusses her dislike of President Donald Trump — as well as personal details of her life before and during her time in the White House — in her highly anticipated memoir, "Becoming," The Washington Post reported Thursday.Obama says she would "never forgive" Trump for the rumors he spread questioning the legitimacy of President Barack Obama's American birth certificate, which she said threatened her family's safety."The whole [birther] thing was crazy and mean-spirited, of course, its underlying bigotry and xenophobia hardly concealed. But it was also dangerous, deliberately meant to stir up the wingnuts and kooks," she writes, according to the Post, which obtained an early copy of the book. It will be released next Tuesday."What if someone with an unstable mind loaded a gun and drove to Washington? What if that person went looking for our girls?," she adds. "Donald Trump, with his loud and reckless innuendos, was putting my family's safety at risk. And for this I'd never forgive him." 1041

Fertility benefits for America's Paralyzed Veterans will expire this September, leaving many people concerned about the future of their family planning and could mean that some wouldn't have a family at all.Chris and Ash Hull recently welcomed their newborn baby Penelope Jane, or as they call her, "P.J."“She’s got my chin and my nose and my eyes. It’s like looking into the mirror and seeing a baby me. It’s cool,” Chris Hull said.Chris and Ash both knew they wanted a family. In fact, Ash knew that Chris was "the one" when she first met him.“I knocked and Chris was the open that opened the door, big smile on his face- I was smitten right then the rest is history,” Ash Hull said.They got married and started talking about a family, which for them, would be complicated. A car accident in 2004 left Chris with quadriplegia. The accident happened when he was on his way home for leave.“Had my car accident on exit 13 on Friday the 13th,” he said. “My friend fell asleep. We rolled 12-18 times. I broke my neck my back -- 3 ribs, my collar bone, my ankle. I think it was 11 bones in the accident.”He doesn't remember much of the accident, but it left him in a wheelchair for the rest of his life.“I’m a C6, C7, quadriplegic spinal cord injury,” Chris Hull said. “Most people when they think of quadriplegia, they think of fully paralyzed, no use of their arms, but I do have use of my arms. It’s just my fingers that are affected.”He's an active member of the Paralyzed Veterans of America, which introduced him to adaptive sports. He's been in a wheelchair for 16 years and uses it to get around, and otherwise lives a completely normal life. When he and Ash decided they wanted a family, they were prepared - like anything else in life - to do whatever it takes. But it would require in vitro fertilization.IVF is an extremely expensive and sometimes an emotionally exhausting procedure. Had they not had benefits through the V.A., parenting may not have been possible.“It’s a really small community of people who need this coverage with paralyzed veterans and the ability to have their baby paid for through IVF and we feel like we have something to give as parents and if we didn’t have this benefit we’d struggle,” Chris Hull said.That coverage is something that Heather Ansley, who does Government Relations for the Paralyzed Veterans of America, is working on right now- as the benefits surrounding IVF will expire this fall.“There was a provision back in sept of 2016 that allowed the VA to do this on a temporary basis- something that would have to be reauthorized,” Ansley said.She's preparing her case for Congress in hopes of making IVF coverage permanent.“We think these benefits are something that our nation owes to our catastrophically disabled veterans particularly those who’s injuries are a direct result of their military service and this is the least that we as a grateful nation can do for their sacrifice,” Ansley said.“If we no longer have that benefit it's really going to change our family planning,” Chris Hull said.When asked whether there will be a sibling in the future, he said, “We really hope so we may have to go back to work we may face the financial strain of having to pay ourselves.”While September is looming, they know that little P.J. will want a brother or sister. And they hope Congress will help make that happen. 3368

Former Vice President Joe Biden said he hopes Democrats do not impeach President Donald Trump right away if they take control of the House, arguing they should wait until the conclusion of special counsel Robert Mueller's investigation to determine their approach."I hope they don't. I don't think there's a basis for doing that right now," Biden said in an interview with "CBS This Morning" co-host Nora O'Donnell. "I think we should wait until the report comes out."Asked if Mueller should release his report before the midterm elections, Biden said, "I think it should be issued when they finish the investigation. I've been around a long time. You wait until the investigation's finished. You don't put an arbitrary end to it. You wait till it's finished, and let's see what it has to say."While some Democrats, including billionaire donor Tom Steyer, are pushing for impeachment, House Minority Leader Nancy Pelosi, who could become speaker if Democrats win back control, has tried to quiet impeachment speculation."Our priority (is) unifying. Impeachment is a very divisive approach. Elections should determine who is in office," Pelosi told CNN last month. "If the President has broken law, he's not above the law, but that remains to be seen."A CNN poll conducted by SSRS last month found that nearly half of Americans in the poll -- 47% -- said Trump should be impeached and removed from office. That figure was up from a June poll that found 42% said Trump should be removed from office.In the same interview, the former vice president also criticized Trump's handling of the disappearance of Washington Post columnist Jamal Khashoggi, a critic of Saudi Arabia's government, in the Saudi consulate in Istanbul."I'm very worried that the President seems to have a love affair with autocrats," Biden said. "The idea that he's already making excuses before the facts are known ... it's typical but it hurts us internationally."Biden said his doubts about Saudi Crown Prince Mohammed Bin Salman have "been confirmed.""My doubts are that there is very little sense of rule of law, respect for human rights, dignity and you know, the allegations that are made so far -- I don't know yet -- are not inconsistent with the way the kingdom would act," he said.The former vice president argued there should "absolutely positively" be consequences if it is found the crown prince ordered Khashoggi's apparent murder and floated the cancellation of US arms sales to Saudi Arabia as a possible retaliatory measure.Asked to explain Trump's behavior, Biden said, "I don't want to speculate on my worst fears but either he doesn't know what he's doing or he has an absolutely convoluted notion of what allows America to lead the world." 2762

FLOYD COUNTY, Ind. -- The sheriff's department is investigating after vandals left anti-Semitic graffiti in several locations in Floyd County over the weekend. The Jewish Community Relations Council shared an image of the vandalism at the Azalea Hills retirement community Monday evening.“The JCRC condemns the anti-Semitic and homophobic vandalism perpetrated against the Azalea Hills retirement community in Floyd Knobs, Indiana,” the group said in a post on their page Tuesday.The Floyd County Sheriff told WHAS-TV that they believe a group of teens was responsible for the vandalism and they do not believe it was targeted at anyone in particular.That same night, deputies found damage to several other areas in town including anti-Semitic graffiti on a school bus, damaged mailboxes and an overturned sheriff’s department trailer.“It’s damage to personal property, that’s the issue,” Sheriff Frank Loop said. “It’s not about any kind of hate crimes or anything like that.”The vandalism at Azalea Hills was cleaned up by Tuesday afternoon. The incident comes just a month after anti-Semitic graffiti was found at a Carmel synagogue, prompting Indiana's Governor Eric Holcomb to push for a hate crime law in Indiana. The Hoosier state is one of only five states in the country that does not currently have a hate crime law on the books. So far no arrests have been made. 1396