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The Louisville Metro police department has fired one of the police officers involved in the fatal shooting of Breonna Taylor. A termination letter for Officer Brett Hankison released by the city’s police department today said Hankinson violated procedures by showing “extreme indifference to the value of human life." The letter also said Hankinson violated the rule against using deadly force. Taylor, who was Black, was shot eight times by officers who burst into her Louisville home using a no-knock warrant during a March 13 narcotics investigation. Two other officers remain on administrative reassignment while the shooting is investigated.Taylor, who was employed as an EMT, was inside of her home when police conducted a “no-knock raid” on her home. Thinking the police officers were intruders, Taylor’s boyfriend, Kenneth Walker, allegedly shot at police.Louisville Metro Police officers returned fire, striking and killing Taylor.Walker was originally arrested for firing at police, but later was released. 1024

The Portland (Oregon) Police Department said that 49 people were arrested stemming from what the police called “riots” in Oregon's largest city over the weekend.Sunday marked the 74th day of unrest in Portland following the Memorial Day death of George Floyd who died while in Minneapolis Police custody. The period of unrest included federal agents engaging with protesters at the city’s federal courthouse, which prompted nationwide scrutiny over the use of federal officers for domestic law enforcement purposes.Among the demonstrators arrested over the weekend was Demetria Hester, a prominent Black Lives Matter activist who leads the group Mothers United for Black Lives Matter. The 46-year-old demonstrator was arrested Sunday on charges of disorderly conduct and interfering with a peace officer.Hester testified in a hate crime case earlier this year against a man involved in a sentenced train attack, saying that she had been attacked by self-described white nationalist Jeremy Christian before the deadly incident. Christian wound up be sentenced to life in prison after being found guilty of killing two people in a hate crime.Friday night marked the most arrests from the weekend, 24, and the injury of an Oregon State Police Trooper, who police said was wounded from being struck in the head by a rock.The department said that there were two separate gatherings in the city on Friday. The first, the police say, was a peaceful demonstration that officers did not interact with. But a second gathering nearby, the department said, began to turn violent.On Saturday, a second protest took place and lasted peacefully for four hours, according to police. But tensions began to rise after the group marched, and vehicles began to illegally block intersections.Some in the crowd then set fire to Portland’s police union building, prompting the department’s officers to engage with the crowd.“People within the crowd committed crimes when they erected a fence, pushed dumpsters into the street to block traffic, set a dumpster on fire, vandalized the PPA office with spray paint, and destroyed security cameras,” the Portland Police said. “At 11:35 p.m., people within the crowd broke the window to the PPA Office, unlawfully entered, and started a fire, committing the crimes of criminal mischief, burglary, and attempted arson.”On Sunday, an additional 16 arrests were conducted as two Portland officers were injured by a mortar. 2448

The percentage of Americans who say they would probably or definitely get a COVID-19 vaccine when one becomes available has sharply decreased in just the last few months.A survey done in mid-September by the Pew Research Center found only 51 percent of respondents would definitely or probably get the vaccine when one became available. A similar survey done in May found 72 percent of participants would definitely or probably get the vaccine. The 21 point drop was all in the “definitely would get the vaccine” category, according to the data.According to the data, a large drop in the number of American who would get the vaccine was seen in both Republican leaning respondents and Democratic leaning.Republican participants went from 65 percent would get the vaccine in May to 44 percent in September. Participants who identified as Democratic went from 79 percent would get the vaccine in May to 58 percent in September.Large drops were seen across gender, race and ethnicity as well.“About three-quarters of Americans (77%) say it is at least somewhat likely that a vaccine for COVID-19 will be approved and used in the U.S. before it’s fully known whether it is safe and effective, including 36% who say this is very likely to happen,” Pew Research Center wrote of their findings.Of the 49 percent who would not get a vaccine, the majority of them are worried about potential side effects.Side effects are also a concern for those who would get the vaccine. Of the 51 percent who said they would probably or definitely get the vaccine, more than half said that if many people were experiencing minor side effects they would reconsider getting the vaccine.The data came from more than 10,000 Americans surveyed between September 8-13. 1748

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 new iPhones have officially debuted. And yes, facial recognition software is no longer just science fiction — it’s real and it’s on the X.Apple unveiled the iPhone 8, the iPhone 8 Plus and the iPhone X in a Sept. 12 keynote address at the new Steve Jobs Theater.What should you do now that the waiting game is over? Here are three options. 366

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