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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

AURORA, Colo. — Thousands of people gathered for hours over the weekend, demanding justice in the Elijah McClain case after Colorado's governor appointed a special prosecutor to review the case earlier this week. The demonstrations were largely peaceful, but police used pepper spray on the crowd Friday evening after declaring protesters were unlawfully assembled and after what the police chief called a small group of people throwing sticks and rocks at officers.Around 1 p.m., thousands began gathering at the Aurora Municipal Center for a planned protest organized by the Party for Socialism and Liberation.About an hour later, the group marched onto Interstate 225. However, police shut the interstate down before protesters arrived. The interstate was closed in both directions from Mississippi Avenue to 6th Avenue as protesters continued to block traffic on the highway before marching onto 6th Avenue. 919

As the coronavirus pandemic surges across the nation and infections and hospitalizations rise, medical administrators are scrambling to find enough nursing help — especially in rural areas and at small hospitals.Nurses are being trained to provide care in fields where they have limited experience. Hospitals are scaling back services to ensure enough staff to handle critically ill patients. And health systems are turning to short-term travel nurses to help fill the gaps.Adding to the strain, experienced nurses are “burned out with this whole (pandemic)” and some are quitting, said Kevin Fitzpatrick, an emergency room nurse at Hurley Medical Center in Flint, Michigan, where several left just in the past month to work in hospice or home care or at outpatient clinics.“And replacing them is not easy,” Fitzpatrick said.As a result, he said, the ER is operating at about five nurses short of its optimal level at any given time, and each one typically cares for four patients as COVID-19 hospitalizations surge anew. Hospital officials did not respond to requests for comment.But the departures are not surprising, according to experts, considering not only the mental toll but the fact that many nurses trained in acute care are over 50 and at increased risk of complications if they contract COVID-19, while younger nurses often have children or other family to worry about.“Who can actually work and who feels safe working are limited by family obligations to protect their own health,” said Karen Donelan, professor of U.S. health policy at Brandeis University’s Heller School for Social Policy and Management. “All of those things have been factors.”Donelan said there is little data so far on how the pandemic, which has killed more than 231,000 people in the country, is affecting nursing overall. But some hospitals had a shortage even before the virus took hold, despite a national rise in the number of nurses over the past decade.With total confirmed coronavirus cases surpassing 9 million in the U.S. and new daily infections rising in 47 states, the need is only increasing.Wausau, Wisconsin-based Aspirus Health Care is offering ,000 signing bonuses for nurses with at least a year of experience and hiring contract nurses through private staffing companies to handle a surge in hospitalizations that prompted the system to almost quadruple the number of beds dedicated to COVID-19 patients.Aspirus, which operates five hospitals in Wisconsin and four in small communities in Michigan’s Upper Peninsula, also is moving nurses around between departments and facilities as hot spots emerge, said Ruth Risley-Gray, senior vice president and chief nursing officer at Aspirus.Outside help still is needed, in part because some nurses have gotten sick from or were exposed to the cornavirus during the current wave, which “came with a vengeance” starting in August, Risley-Gray said. At one point in mid-October, 215 staffers were in isolation after showing symptoms or being exposed to someone who tested positive, and some are just starting to return to work.Aspirus recently was able to hire 18 nurses from outside agencies, and may need more if the surge continues.Because the pandemic is surging just about everywhere in the country, hospitals nationwide are competing for the same pool of nurses, offering pay ranging from ,500 a week to more than ,000, said April Hansen, executive vice president at San Diego-based Aya Healthcare, which recruits and deploys travel nurses.She said demand for their services has more than doubled since early in the pandemic when the greatest need was in hot spots like New York and New Jersey and then moved to southern states. In recent weeks the virus has been spiking across the country, with the new hot spots in places like the rural upper Midwest and southern-border communities such as El Paso, Texas.Now placing nurses where they’re needed is “like a giant game of whack-a-mole,” said Hansen, whose company has about 20,000 openings for contract nurses.In North Dakota, where infection rates are exploding, hospitals may cut back on elective surgeries and seek government aid to hire more nurses if things get worse, North Dakota Hospital Association president Tim Blasl said.In Texas, Gov. Greg Abbott recently announced he was sending 75 nurses and respiratory therapists to El Paso to help handle the city’s surge. Wisconsin Gov. Tony Evers, meanwhile, issued emergency orders making it easier for nurses from elsewhere to practice in his state and for retired nurses to come back.“This has been a challenge, and we’ve been pleading with the community members to protect themselves and others,” by wearing masks and social distancing, said Aspirus’ Risley-Gray, who said the positivity rate among community members tested by Aspirus rose from under 10% in September to 24% last week.To combat the emotional toll and fatigue that comes with caring for COVID-19 patients, including just donning and removing protective equipment all day, Aspirus has been giving nurses microbreaks and quiet places to get away and collect themselves when they feel overwhelmed.Travel nurses say the need at small hospitals tends to be greater than at larger facilities.Robert Gardner, who’s currently assigned to a hospital in a small town about 20 miles west of Atlanta, said he did search and rescue in the Coast Guard during Hurricane Katrina and the pandemic is “a lot worse.”He worked at a large New Jersey hospital when that state was swamped by the virus in the spring, and now worries that flu season could bring further chaos to hospitals. But he’s determined to stick it out, no matter what.“It’s not even a question,” Gardner said. “Nursing is a calling.” 5727

At least 100,000 small businesses have had to close permanently in the last nine months, according to data gathered by Yelp. Millions more have dealt with temporary closures and major losses in revenue.Now, many remaining small businesses are reliant on a strong holiday shopping season, and there’s finally some good news for these business owners and their employees.For example, at the Boston area small business called Boing Toy Shop, owner Kim Mitchell has been working overtime for the pasting nine months. She has had drastically change her business model.“In certain ways, I feel like although I am in the same physical footprint, I am almost running a completely different business,” said Mitchell.Since the start of the pandemic, Mitchell has had to shift more than half of her business online and added curbside pickup to keep her toy shop out of the red.“In certain ways, I almost feel like we are part store-front, part warehouse,” she added.However, in many ways, she still feels lucky to have some form of her business when so many other small businesses have had to close.“One of the first ones, unfortunately, was the store right across the street from me,” said Mitchell.The boutique clothing store across the street from Boing is just one of an estimated 27 percent of small businesses that have closed across the country, according to a Harvard University Project. And without a strong holiday season, even more permanent closures are feared.So, how has the holiday shopping season been so far for small businesses?“I had by far my most successful small business Saturday, which I did turn into small business weekend. I sort of stretched it,” said Mitchell. “There definitely is a sense, and I have a sense from my customers, that they are making a conscious decision to support their local businesses.”From Boing to stores around the country, consumers opened their wallets more than ever on Small Business Saturday. According to Adobe Analytics data, they spent a record .7 billion just online.“Smaller retailers have seen a 501 percent increase in revenue through the holiday season so far relative to a typical day in October,” said John Copeland with Adobe Analytics,” “From a percentage increase, small and medium-sized businesses are outperforming in terms of percentage gains.”From Adobe’s holiday shopping data to the Boston toy shops’ experience, it is clear consumers are conscious of how much mom and pop businesses are struggling and how important it is to help them and the workers they employ."It is really nice that, especially in a time like this, where we really need the community’s support in return. They are coming out and realizing that ‘hey, these small businesses have been there for us for a long time; now it is time to get their back,’” added Mitchell. 2811

As the debate rages nationwide over what to do over a plethora of Confederate monuments, new concern is mounting over a Confederate rally planned for Richmond, Virginia, on Saturday.At the center of the debate is Richmond’s “Monument Avenue,” a collection of statues of Confederate leaders in the former Confederate capital. Back in May, the city’s mayor Levar Stoney said that while he personally believes the monuments are an “endorsement of a shameful past,” he didn’t believe there should be a rush to remove them. He had hoped for a dialogue to take place, and even floated the idea of adding plaques to the statues for more accurate historical context."I think we have an opportunity here in the city to actually be a hub for reconciliation."He created the “Monument Avenue Commission” and even solicited public input in the form of open public meetings. Richmond residents were not shy voicing their opinions.Rita Willis, a former teacher, attended the Aug. 9 public forum to say they are a part of Virginia’s history, whether some like it or not. However she emphasized that if they stay, other statues should be erected that highlight people of other races and ethnicities.George Knight, on the other hand, stood in the auditorium and gave city officials a tongue lashing.“Now is the time to finally get rid of the monuments and replace them with people who actually fought for freedom who actually stood for justice,” Knight said, his voice raising as officials urged him to keep calm. “You lost! Get over it already! Get rid of your participation trophies on monument avenue, get rid of it.”He was met with a spattering of boos as well as cheers.But some attitudes regarding the statues changed following the white nationalist rally last month in Charlottesville, Virginia, which culminated in counter-protestor Heather Heyer losing her life. Stoney is one who’s taken a slightly different position since Charlottesville and believes that perhaps they should now consider taking them down. He wrote in a statement that it had become clear that the statues were being used as a “rallying point for division and intolerance and violence.”The group rallying support around the Robert E. Lee statue on Saturday is a relatively small group out of Tennessee known as “CSA II: The New Confederate States of America.” The group’s president said they were “standing up for their proud heritage” in a nonviolent manner and that any white nationalists or racists who show up to rally with them will not be accepted.He said his message to Richmonders on edge regarding the weekend’s rally is simple: “We are here for peaceful purposes only.”“We will not stand for any violence in Richmond, Virginia.”But the city says they are taking protective measures to be safe. The mayor and police chief announced this week that any objects that can be used as weapons will be prohibited. One type of weapon that won’t be prohibited, however, are guns, as Virginia is an open-carry state.“If you do not respect our city,” Stoney warned, “law enforcement will lock you up."  3084