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Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

As start dates for school inch closer, educators and health officials are unveiling plans to go back to school safely. One focus: face masks.“It’s important for people to understand germs,” Laura-Anne Cleveland, an associate nursing officer at Rocky Mountain Hospital for Children, said. Cleveland says everything starts with education. “Trying to get them to understand that air and breath from us can have germs in it," she said.Cleveland said the best way to do that with younger kids is through a little science experiment.“Putting a container of water, putting pepper in it and putting soap on their finger and putting your finger in. The pepper disperses, and so showing that the pepper is the germs and soap and things like that are really good to be able to use,” she explained.As schools finalize plans for reopening--whether that be online, in person, or a combination of the two--masks have become one of the biggest talking points.“I have never dealt with anything like this,” Marty Gutierrez, an 8th-grade math teacher, said. Gutierrez has been teaching for 26 years.“So much is up in the air and we start back to school in three weeks,” he explained. “And we don’t have guidelines or they are changing every day or even two, three times a day.”One of those guidelines is whether masks will be recommended or required.“Like anything recommended or required with middle school kids, it’s that year where you push boundaries,” Gutierrez said. “I get parents and their ideals and values and what they want their freedoms to be. Just getting kids to wear masks is going to be difficult enough, and we know we’re going to have some kids that ‘You know what? My parents don’t want me wearing a mask.'”If schools recommend masks instead of requiring them, there are fears this could open up doors for bullying.“I’m sure that there will be some kids that are harassing kids for not wearing a mask, or kids that have a different mask,” he said.Or conversations about fairness.“If you have a sibling that has to wear a mask but you don't have to, it’s going to not feel fair,” Cleveland said.Masks have become controversial, but to Gutierrez, it’s just an extra layer of safety for everyone in the building, including those who may be at high-risk for getting COVID-19.“People are scared. I have friends that have children that are recovering from cancer, or I have friends that take care of elderly parents that are immunocompromised,” he said.Cleveland and Gutierrez, both parents, themselves, want to keep kids in school and make sure kids remember the why.“Why are we wearing masks? Why are we wearing face shields? Things like that, and getting the children to understand that,” Cleveland explained.“This is the best we can do right now, and if we don't follow these guidelines, you're not going to be seeing these friends again, we’re going to go back to that situation where you’re only going to see them online. So, I think it’s expressing that trade-off,” Gutierrez said. 2991

ATLANTA (AP) — The former Atlanta police officer who fatally shot Rayshard Brooks is set to appear in court Tuesday to ask a judge to release him from jail while his case is pending. Garrett Rolfe faces charges including felony murder in the killing. Rolfe fatally shot Brooks in the back when Brooks fired a Taser in his direction while running away after a struggle on June 12. Rolfe is white. Brooks was Black. Rolfe's bond hearing is set for Tuesday afternoon. Felony murder convictions are punishable by a minimum sentence of life in prison. 554

Atlanta police released images late Sunday of a second person of interest in the fatal shooting of an 8-year-old girl on the Fourth of July. Authorities are also offering a ,000 reward for information in the death of Secoriea Turner. At least two shooters were believed to be responsible for her death. Police had released a short video of the first person of interest last week. Photos were released Sunday night of the second person of interest.According to Crime Stoppers in Atlanta, the preliminary investigation suggests the young girl was riding in a car with her mother and an adult friend when they were confronted by a group of people blocking the entrance to a parking lot. At some point, someone in the group opened fire on the car, hitting it several times and striking the child. The driver headed to a nearby hospital, and Turner died from her injuries. Both persons of interest are seen in the images carrying rifles. The fatal shooting happened near the Wendy's where Rayshard Brooks was shot and killed by a police officer. 1051

As the pictures come in from along the Florida panhandle, especially from devastated Panama City and Mexico Beach, many of us are feeling a need to help those who lost their homes. Should you give cash, donate cleaning supplies or collect canned goods?Giving is good. But giving to a good charity — one that knows how to get the help to victims quickly — is even better.The Better Business Bureau and Charity Navigator are offering advice on how to donate and sharing which groups are best prepared to distribute your donation.Despite all the new high tech ways to donate, from crowdsourcing to charity apps, an oldie might be your best bet at first. 663

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