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The Mountain West Conference became the second conference from college football’s top division to postpone the 2020 football season citing coronavirus concerns on Monday.As part of its announcement, the Mountain West also announced that all fall sports will be postponed.Curt Apsey, the director of athletics at perennial Mountain West power Boise State, supported the decision. "Despite everything that has been thrown in their way over the last several months, our student-athletes, coaches and staff had been preparing for a 2020 season," Apsey said. "They were ready for every possible uncertainty, but in the end, the physical and mental well-being of student-athletes across the conference necessitated today’s announcement."On Saturday, the Mid-American Conference became the first NCAA Football Bowl Subdivision league to postpone the 2020 season. The two conferences are among 10 that comprise the FBS.Meanwhile, leaders from what is known as the Power 5, which are the Big 12, Big 10, Pac-12, SEC and ACC, have been discussing the upcoming season. The potential of postponing the season has prompted a number of top players and coaches to push for universities to allow play this fall, despite concerns over the coronavirus.Most Power 5 conference teams previously announced the suspension of nonconference games in lieu of playing a conference-only schedule. 1377

The man suspected of sending 14 pipe bombs to prominent Democrats around the country will be formally charged in court Monday.Cesar Sayoc, 56, of Aventura, Florida, is facing federal charges and could receive up to 48 years in prison if convicted.As of Friday, authorities had intercepted 14 packages Sayoc sent through the US mail system, officials said. None of the devices detonated, and no one was injured. Another package that appears identical to the others was sent to CNN's worldwide headquarters in Atlanta, but it was intercepted Monday at an off-site screening facility.Among his alleged targets were former President Barack Obama, former Secretary of State Hillary Clinton, former US Attorney General Eric Holder, California Senator Kamala Harris, New Jersey Senator Cory Booker and California Rep. Maxine Waters.Sayoc is expected to stand trial on five federal crimes: interstate transportation of an explosive, illegal mailing of explosives, threats against former Presidents and other persons, threatening interstate communications and assaulting current and former federal officers.  1112

The latest fight between FedEx and UPS isn't about shipping. It's about ties to the National Rifle Association.UPS said in a statement Wednesday that it is not a sponsor of the NRA and that it does not offer a special discount for NRA members.That comes after its competitor, FedEx — itself fielding criticism from activists for standing by its NRA shipping discount — accused UPS of having a relationship with America's top gun lobby."For shipping from its online store, the NRA uses UPS and not FedEx," FedEx said on Tuesday.  551

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 mayor of Compton, California, has told the Los Angeles Times that she is launching a pilot program with a local non-profit that will give 800 residents a "guaranteed income" over the next two years.Compton Mayor Aja Brown told the Times that a non-profit called the Compton Pledge would select 800 low-income residents and distribute a "guaranteed income" to them for the next two years.According to the Times, the participants will be selected from a "pre-verified" list of low-income families in the area. Over the span of two years, the Compton Pledge plans to provide the families with "at least a few hundred dollars on a recurring basis" without any strings attached. The program will also provide families with financial guidance and track their spending and well-being throughout the process.While the Compton Pledge has not said where it is getting its funding or how much participants would receive, The Los Angeles Times reports that the program hopes to include a "representative sample" of the city's racial makeup in its participants.Once considered a fringe concept, the idea of a "universal basic income" has gained traction among left-wing politicians in recent years. Such a policy would provide all Americans with a monthly stipend which recipients would be free to spend as they see fit. Businessman Andrew Yang ran for the 2020 Democratic presidential nomination based on the idea.The concept gained further traction amid the COVID-19 pandemic when lawmakers agreed to provide most Americans with a ,200 check as the government shut down businesses to prevent the spread of the virus.While critics of a universal basic income claim such a policy would lead to high unemployment numbers and lead to spending on non-essential goods, some studies have shown that's not always the case. A similar program being conducted in Stockton, California, shows that recipients of basic income funds were mostly spent on food, clothes, and utility bills. 1975