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The last several months for working parents with small children has been an interesting juggling act, to say the least. Now, toy maker Fisher-Price has rolled out new “mini-me” role playing items that turn our reality into playtime.As parents and caregivers fire up their laptop and enjoy a coffee drink, picked up curbside without face-to-face contact, children can play along with the “My Home Office” set.The set includes a laptop, headset for video conferencing, a coffee cup, and a cell phone with four “apps.” What parent wouldn’t want to swap phones with their child when it has dogs and cats on conference calls? 628

The number of coronavirus-related deaths in the United States passed 250,000 on Wednesday as more than 1,000 people are dying from the virus per day in the US this month, according to Johns Hopkins University data.The first coronavirus-related death in the US came on February 29.The solemn milestone lands as coronavirus cases reach peak levels throughout the US, forcing governors to reimpose shutdowns and bolster mask mandates. The virus has been particularly deadly in the nation’s heartland, with hospitals in the Midwest full with COVID-19 patients. Nearly 77,000 Americans were in the hospital on Tuesday battling coronavirus symptoms, according to the COVID Tracking Project. Johns Hopkins reported 1,707 COVID-19 related deaths in the US on Tuesday, marking the deadliest day for the virus in six months.The US passed the 200,000 coronavirus-related death mark on September 21. The US has approximately averaged 862 coronavirus-related deaths since then.Here is where the US reached previous milestones.November 18: 250,000September 21: 200,000July 28: 150,000May 23: 100,000April 23: 50,000February 29: 1The University of Washington’s IHME model projects that the US will reach 300,000 coronavirus deaths on December 22.According to JHU, the US represents 19% of global coronavirus deaths despite only having 4% of the world's population. 1358

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 number of people filing for unemployment for the first time is dropping slightly. Just over 800,000 people filed last week, which is less than what was expected. For perspective, only about 287,000 filed the same time last year.The total number of people still receiving some kind of benefits is just under 21 million. Meanwhile, some people who do have jobs are leaving a lot of money on the table in 2020.“If you don’t take time off, you are basically giving the company back almost a paycheck, like here you go, here's my one-week salary,” said Vicki Salemi, Monster Career Expert.Career website Monster found almost half of workers didn't take their full paid time off this year.The pandemic turned work life balance into an all-at-home blended mess for many. Many workers said they didn't take their time because there was nothing to do, nowhere to go, or they were worried about their jobs.Only a small amount of workers are able to rollover their unused time into 2021.Taking time off has been especially critical this year.“You can see things more clearly. You may even be happier thinking about your time off even if that just meant you stayed on your living room couch and binged the latest show,” said Salemi.Some employers, like Monster, even added mental health or additional days off this year, recognizing the extreme stress many were under.Salemi says even if you don’t have big plans for your time away from work, create some sort of framework.“It doesn't have to be rigid, but just so you feel like at the end of the day or the end of the time off, you don’t want to feel like it was for not, like its OK if you're just going to rest this whole time,” said Salemi.If you didn't get in all that paid time this year, depending on your circumstance, it’s worth asking to see if you could carry some over into next year.Now is also a good time to plan for 2021. Monster suggests even starting small with some three-day weekends in January and February. 1978

The NFL is committing 0 million over 10 years to social justice initiatives, targeting what it calls “systemic racism” and supporting “the battle against the ongoing and historic injustices faced by African Americans.”The league, which has raised million in donations through its Inspire Change program, announced the additional 6 million commitment Thursday. It plans to “work collaboratively with NFL players to support programs to address criminal justice reform, police reforms, and economic and educational advancement.”Less than a week ago, Commissioner Roger Goodell denounced racism in a video prompted greatly by a players’ video seeking NFL action.“I am listening, and I will be reaching out to players who have raised their voices and others on how we can improve and go forward for a better and more united NFL family,” he said.The players want to see definitive action, of course. There has been increasing distrust of the NFL since San Francisco quarterback Colin Kaepernick and others began kneeling during the national anthem in 2016 to protest social injustice and police brutality. The message was misconstrued by the league and many team owners as anti-military and anti-flag. Goodell admitted as much in his video, though never mentioning Kaepernick, who has not found an NFL job the last three seasons.That distrust was expressed Wednesday by 49ers star cornerback Richard Sherman.“They’ve tried their best to throw money behind it for a long time,” he said. “It takes more than that. It takes you literally calling out bigotry and being motivated. It’s not just pleading. It’s being consistent year in and year out that you’re combating this issue and that this is a problem that needs to change. And it’s not just this year, not just 2016, not just 2017, but ‘Black Lives Matter.’ They have to matter forever.”The Players Coalition was established in 2017 to work for social justice, growing out of the Kaepernick-inspired protests and pledging to improve police/community relations, champion criminal justice reform, and promote education and economic advancement in communities across the nation.Earlier this week, the coalition collected more than 1,400 signatures from active and retired athletes, coaches and executives from a variety of sports and presented them to Congress this week in support of a bill seeking to eliminate qualified immunity regarding police brutality. That bill was introduced in response to the deaths of George Floyd and Breonna Taylor while in police custody.Saints safety Malcolm Jenkins, a co-founder of the Players Coalition, spoke on CBS about the movement to defund police:“It doesn’t mean we eradicate police completely. We’ve got 10 million kids going to schools with police officers in them and no social workers. Three million that have got police in their schools and no nurses. Six million with police in their schools but no psychologists. Yet we want to invest in putting more police on the streets and over-policing that we know does not make our communities safer.“We’d rather see that money go to programs that help with entrepreneurship, that help with our schooling, that help with black people who have been disproportionately affected by COVID.”Some of the programs the NFL is targeting will deal with those issues, according to Anna Isaacson, the league’s senior vice president of social responsibility.“What this really is is a deeper and expanded commitment form the league and owners to say we are in this for the long haul,” she said. “It’s probably a deeper clarification on what we are meaning and focusing on. It has always been there, that focus, but obviously with current events and even before the last two weeks, conversations with the players have been on really focusing on this. Recent events solidified this has to be a key focus for us.”Isaacson mentions Big Brothers and Big Sisters, and Metro Peace Academy in Chicago as two organizations the league works with.“With Big Brothers and Big Sisters, we fund a program to bridge the gap in communication and understanding,” he said. “The program is pairing law enforcement officers with specific under-served youth, and those one-on-one relationships are to both the `Big’ and the `Little,′ as they call them, meant as a way to bridge whatever gaps exist. Building one-on-one relationships where trust is built and knowledge gained is essential.“In Chicago, we funded a program that does training with the community in how to work with their local police department and training with police on how to work with the community. That program is trying to reach the most at-risk youth and adults.“There are many such programs across the country that have started this work and are doing incredible work on the ground. We are looking for programs with a proven model and good track record and that has boots on the ground and treating people directly. National in scale, but that is truly the grass roots.“We’re making sure a lot of our grants are reaching down into the communities they serve, people to people and person to person.”___More AP NFL: https://apnews.com/NFL and https://twitter.com/AP_NFL 5156