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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

FRESNO, Calif. (KGTV) - The former Camp Pendleton Marine accused of supporting a Christmas Day terror attack at San Francisco's Pier 39 popular tourist destination was sentenced Monday to 15 years in prison.Everitt Aaron Jameson, 26, pleaded guilty to the plot in June. He supported radical ISIS jihadi beliefs, wrote social media posts supporting terrorism, communicated with people he believed supported his views, and offered to provide services to them with a tow truck, according to a report written by FBI Special Agent Christopher McKinney.A confidential source alerted the FBI last fall to a Facebook account Jameson ran, agents said.  Jameson “liked” and “loved” posts that were pro-ISIS and pro-terrorist, the source told the FBI. Among the posts was a picture of Santa Claus standing in New York with a box of dynamite.RELATED: Ex-Marine who planned Christmas Day terror attack pleads guiltyJameson met with an FBI undercover employee he believed to be associated with ISIS and described his interest in planning and undertaking a violent attack in San Francisco, the report said.Agent McKinney said James specifically mentioned Pier 39 in San Francisco because he had been there before and knew it was a densely crowded area.According to the undercover agent, Jameson said he wanted to use explosives and “funnel” people into a location where he could inflict casualties. He said he needed ammunition, powder, tubing, nails, timers, and remote detonators. Jameson planned to go to the mountains and build the devices at a remote campground, then store them at his home in Modesto, said officials.A search warrant was executed at Jameson’s Central Valley home on Dec. 20. Investigators found his will and a handwritten letter. Jameson said he did not have or need an escape plan because he was ready to die, according to the report.RELATED: Father of terror suspect details son's recent troublesJameson also voiced support for the October 31, 2017 terror attack in New York City during which a driver used his truck to kill eight people and mentioned the 2015 San Bernardino attack, the report said."Jameson put his fellow Americans at risk by supporting ISIS and planning an attack on behalf of the terrorist organization," said Assistant Attorney General for National Security John C. Demers in a statement Monday. "This is unacceptable, and I am grateful for the hardworking agents and prosecutors who are responsible for this successful result."Agent McKinney said Jameson attended basic recruit training for the U.S. Marine Corps at Camp Pendleton in 2009. He earned a ‘sharpshooter’ rifle qualification and a National Service Medal. Jameson was discharged for fraudulent enlistment due to an undisclosed history of asthma. 2767

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

First Harvey, then Irma and now ... Jose?Hurricane Jose was 840 miles east of Florida early Wednesday, with maximum sustained winds of 75 mph, making it a Category 1 storm."Jose looping over the southwest Atlantic between the Bahamas and Bermuda," the National Hurricane Center said. 291

Florida Governor Rick Scott will be in Tampa on Wednesday to highlight his action plan to make major changes to help keep Florida students safe.His plan includes a 0 million investment in school safety and mental health, according to a press release.The Governor’s proposal, which was announced last week, followed the emergency meetings Governor Scott organized with law enforcement, school administrators, teachers, mental health experts, and state agency leadership, as well as meetings the Governor hosted with students from Marjory Stoneman Douglas High School.Governor Scott will hold a press conference on Wednesday at 9:15 a.m. at the Hillsborough County Sheriff’s Office to discuss his action plan.The following are the major highlights of Governor Scott's plan: 797

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