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NASHVILLE — With the popularity of genetic testing kits increasing, more people may begin to experience repercussions where their insurance premiums are concerned.The internet provides people with nearly anything they could possibly want day or night, but you may want to think twice before ordering a take-home genetics test from one of the many sites that offer them.Insurance premiums are determined by what sort of risk a person poses to their insurance company. This means that learning more about your heritage and the health conditions in your family history could lead to your insurance company charging you more.Jason Veirs, president and owner of insuranceexperts.com, warned that "a genetic test through a physician will become part of your medical history." Veirs says the general rule is if it's in your medical records, insurance carriers can ask to see  it. On the other hand, if you are using a consumer genetic testing kit, you will have to decide whether or not your trust that company to keep your results private.In the end, insurance companies cannot force you to take a genetics test and therefore, the choice to use one of these kits is entirely up to you. 1212

More college students are coming back home, trying to save money and pay off debt.The findings from a Junior Achievement study have parents shocked and concerned, and JA jumping into action.Leith Walk Elementary Middle School is one on JA's roster to visit and talk with, and the students are very aware of what it takes to be financially independent.Walking around Mr. Jason Peinert's 7th grade class, you hear students discussing their futures, "you should always have a plan b," one boy said. "I want to like have my own house, my own property, I don't want to be bossed around by my mom," Imeah Curbean, 13, said, smiling.Here they plan a path from education to a career that will support them in the future."My kids go through simulations with check registers, as well as understanding opportunity cost," Mr. Peinert said they also write essays on saving money for the future.During the group discussion, one student echoed the sentiment, saying you wouldn't want to make decisions that put you in a corner. One of the big decisions, how to achieve higher educationJA's new study on financial literacy shows 75% of teens are worried about paying for college.The next finding was disturbing, "only half of the kids said that they wanted to become independently financial from their parents," Senior Vice President Kim Fabian of the Central Maryland Junior Achievement Chapter said. Students told them, they understand the financial strains of paying for college and, for many, the reality after graduating is to move back home to save money and pay off debt, earning the nickname "Boomerang Generation"."What we find works the best is when kids are actually doing things that will relate to what they'll be doing in the real world, so we try to create experiences while they're still in school that will help them learn those skills like communication, teamwork, how to be on time for things, what questions they should be asking, how to do a good job interview," Fabian said real world experience is key.Junior Achievement has a list of schools and programs on their website to get involved in. Fabian says they hope this education will help future generations to become financially independent.Below are the findings from the JA study:  2285

MILWAUKEE -- A Milwaukee family is devastated by the sudden loss of a young man. 21-year-old Nasir Matthews collapsed and died Tuesday while playing pick-up basketball. Terrell Matthews was there as his cousin and best friend fell to the ground after a game."The second game ended, he went over to the fan, leaned over for a second and he just went out," Matthews said. "Everything started happening so fast."Matthews said at first, everyone thought he was joking around. "After about 30 seconds they all started to see his eyes were just a blank stare," Matthews said.Matthews called 911 as others tried to revive him with a defibrillator at the school. Despite their efforts, Matthews was pronounced dead a short time later."At this point, we don't know why he fell out," said Matthews' aunt Camille Rose. "He didn't have any known medical condition other than an enlarged heart." Rose said this brings another round of grieving for Matthews' younger siblings who can't seem to catch a break. "The kids were all trying to deal with the loss of their mother, their grandmother and basically their father," Rose said.  Through the tears, Matthews looks back at the memories he shared with his cousin. "He was always happy, even through what he's been through," Matthews said.  The tragedy serves as a painful reminder to never take a loved one for granted, no matter their age. Matthews' family is still waiting on autopsy results to find out exactly why he died.  1522

NATIONAL CITY, Calif. (KGTV) -- A man who was apparently shot with an arrow was found dead in National City Monday afternoon.According to National City Police, the incident was reported at around 2:30 p.m. near the 1800 block of Wilson Avenue.After the shooting, the suspect reportedly called police saying he shot an arrow into a man. The suspect told police there was a fight before the shooting.NCPD Captain Alex Hernandez said the suspect showed officers where the victim was located. The victim was found in what appeared to be a homeless encampment and pronounced dead at the scene."We were able to recover the bow and some other items that were nearby as evidence," said Hernandez.Police say a woman who was believed to be with the two men at the time of the shooting was questioned. All three are believed to be transients living in the encampment where the incident took place, police say.While the deceased man was not identified, National City police identified the suspect as 39-year-old Miguel Venegas; he was booked into jail on a suspicion of murder charge. 1080

Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore 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.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

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