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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

AURORA, Colo. – Hundreds of people are expected to gather Friday evening to demand that three officers involved in the in-custody death of Elijah McClain be fired by the Aurora Police Department.“For ten months Aurora Police Department has shielded Elijah McClain's murderers on their force from facing any form of justice. It was only last Friday, just ahead of a mass march for Elijah, that they pulled the three killers off the streets and put them on paid desk duty,” the Party for Socialism and Liberation – Denver (PSL) said in a statement about the event. “We need to make it clear that this is absolutely NOT enough.”Last Friday, APD announced officers Nathan Woodyard, Jason Rosenblatt and Randy Roedema had been taken off street duty "because of threats and harassment," according to a police spokesperson. Police said those threats involved phone calls as well as email messages.Officials did not disclose to which department the officers were reassigned, but said they were working in a "non-enforcement capacity."The PSL says they expect murder charges “for the three killers” and demand that APD fire all three “IMMEDIATELY.”Organizers of Friday’s protest are also calling for the release of the names — as well as the immediate termination — of all officers involved in an incident involving a photograph taken near the site where McClain struggled with officers. The officers were seen in the picture imitating the carotid hold used on McClain before the 23-year-old Black man died last August.RELATED: Officer who was depicted in photograph at site of Elijah McClain's arrest has resignedThe rally will start at 6 p.m. at the intersection of Billings St. and Evergreen Avenue, the site where organizers say, “Elijah was brutalized and killed and where APD danced on his grave.” From there, protesters will march to the APD headquarters at the Aurora Municipal Center.The march and protest will put APD’s response to test once again, following a violent night of confrontation between officers and protesters last Saturday.MORE: Aurora Police Interim Chief defends police response to Elijah McClain protestOrganizers say there will be people of all ages at Friday’s protest, “who do not want a repeat of last Saturday’s violence from APD, but (who) will not be intimidated out of exercising their First Amendment right to assemble and voice their concerns.”McClain’s death, largely unnoticed for the past 10 months, recently garnered national media attention following nationwide calls to reform interactions between police and Black Americans in the wake of George Floyd’s death.On Tuesday, the Colorado U.S. Attorney's Office, along with several other law enforcement agencies, announced they've been reviewing facts in the death of the 23-year-old Black man since last year for a potential federal civil rights investigation, saying they were aware of the photo allegations which surfaced Monday evening and were gathering further information about the incident.This story was originally published by óscar Contreras on KMGH in Denver. 3062

At least seven people were killed in northwestern New Mexico when a tractor-trailer crashed head-on with a nearly packed Greyhound bus, officials said."We do expect that number to rise," New Mexico State Police spokesman Officer Ray Wilson said on Thursday. Dozens of passengers were seen trying to climb out of the windows of the bus while some bystanders walked among piles of debris carrying ladders.Most of the 49 people on the bus, including adults and children, were taken to area hospitals with different degrees of injuries. The driver of the truck sustained injuries that were not life-threatening, the state police said.Wilson had initially said six people suffered minor injuries.As of Thursday night, seven deaths had been confirmed. In a statement, the New Mexico State police said their identities would not be released until their next of kin were notified.The horrific scene began around 12:30 p.m. when a semi truck was traveling eastbound along Interstate 40 in McKinley County and it blew a tire. The driver lost control of the vehicle, which crossed the median and struck the westbound bus, Wilson told reporters.Aerial footage by CNN affiliate KRQE showed the bus damaged on the front edge, but upright, in the grass median. Nearby was an overturned vehicle and the truck trailer on its side, with what appeared to be produce boxes spilled on the median.One witness, Chris Jones, was driving along the highway when he came upon the crash site. He quickly jumped out of his car to help the injured when he didn't see any ambulances around."Just trying to help them, comfort them, calm them down, get them taken care of until EMS got there," Jones told CNN affiliate KCAL.Jones, who has medical training as Navy veteran and volunteer firefighters, said he first tried to get an idea of who was hurt.Another witness, Marc Gonzales, said the scene was a "complete catastrophe," with skid marks on the side of the road. Passengers tried to climb out the bus windows and bystanders grabbed ladders from their vehicles to try to rescue them, he said."It's by far one of the worst accidents I've encountered. ... It was horrible," Gonzales told KRQE."You could tell that people were distressed, screams were coming from the bus," he said.Twenty patients were initially taken to the Gallup Indian Medical Center in Gallup, acting chief medical officer Dr. Kevin Gaines told reporters. Some families were among the patients, as well as four children, he said.Ten patients were being treated for injuries ranging from broken bones to bruises, he said. One was in critical condition and two were in serious condition, Gaines said.Six patients were released and four others were transferred to other medical facilities in New Mexico and in neighboring Arizona, Gaines said.The Los Angeles Greyhound bus had originally departed from St. Louis and had just made a stop in Albuquerque prior to the crash, the company said."Our first priority is taking care of our passengers and their families as this incident has deeply impacted all involved," the company said. "Our thoughts and prayers are with everyone as we continue to give our support to all affected.The National Transportation Safety Board said it was sending 10 investigators to the site.This is not the first deadly crash involving a passenger bus in the state in recent months.In July, the driver of a passenger bus tried to avoid a crash along I-25 near Bernalillo, but lost control and rolled crossing the highway. The it bus was then plowed by a semi truck traveling in the opposite direction. Three people were killed in that crash, CNN affiliate KRQE reported.Correction: An earlier version of this story misstated the route of the bus. The story has been updated to reflect that the bus made a stop in Albuquerque before the incident. The-CNN-Wire 3829

As the economy slowly reopens, Americans are still filing for unemployment at record rates. For some, staying off the job makes more sense than returning to work.“I’m one of those teachers at high risk,” said Patty Candelaria, a teacher in Austin, Texas. “I’ve had open heart surgery three times. I’m concerned because we can’t predict the future.”She just completed her 20th year of teaching.“I’ve never felt so afraid to be face to face with students and worrying about what germs we’re all carrying,” she said.Candelaria has been teaching summer school from her virtual home classroom. She’s concerned to go back to school in the fall if she’s forced to be there in person.“Those classrooms are germ factories on the best day,” said Lily Eskelsen Garcia, President of the National Education Association. “No one wants those public schools open more than the people who love those kids and work in those schools. But we want them open safely.”“I feel like it’s our district’s responsibility to protect,” Candelaria said.She’s not alone. From rideshare drivers to teachers and flight attendants, workers are having to consider many factors before returning to work.“I think it’s quite scary to go back to work if your employer hasn't put the appropriate safeguards in place,” said Peter Ganong, an Assistant Professor of Public Policy at the University of Chicago.Ganong has been studying the impact of unemployment insurance.“We found that it did quite well in the sense that it has replaced all of the lost income for people who have lost their jobs, and then some above and beyond that as well,” he said.Payouts are usually low to encourage people to apply for jobs, but the Coronavirus Aid, Relief, and Economic Security, or CARES, Act changed that.“What the federal government did is it said, ‘We’re going to add an extra 0 per week to everyone's UI benefits, and that was designed and intended to raise up everyone’s benefits precisely because there are no jobs available in many places,” Ganong explained.That’s exactly what happened to flight attendant Brittany Horn.“I am on unemployment,” Horn said. “A lot of our regular routes were cut and so there were just too many flight attendants and not enough flying.”“Most of the junior flight attendants probably are making more on unemployment,” she explained. “But it also depends on how many hours you work.”Across multiple industries, this has been a discussion. Unemployed workers are making more on unemployment than they did working their jobs. That brought fairness into question.“If you're a janitor and you work at the hospital, you're getting the same pay as before and you’re facing increased risk at your job,” Gangong said. “If you're a janitor and you're at a school, you're going to get paid 40 to 50% more on UI benefits than you were getting when you were working.”Ganong estimates about two thirds of unemployed workers have benefits that are greater than their prior wage. But that will soon change. As businesses start opening back up, that option won’t be available for many.“If your employer calls you back to work, even if your UI benefits are higher than your prior wage, you're required to go back to work or you'll lose your benefits,” Ganong said.Under the CARES Act, that higher level of benefits is set to expire July 31.Brittany’s three-month voluntary leave comes to an end in August.“If the flights don’t start picking up significantly, because right now with the CARES Act, we can’t get furloughed. But starting in October, that’s when technically we could. So, I think everyone’s keeping their hopes up that we are able to continue working come October,” Horn said.And Candelaria is awaiting a decision from the district on what going back to school looks like, before factoring in her health concerns.“None of us want it, so that’s why we’re staying safe at home and building classrooms in homes,” she said. 3910

ATLANTIS, Fla. — A nurse at JFK Medical Center in Atlantic, Florida, gave a unique, inside look at the ups and downs that medical staff experienced this year helping save lives during the coronavirus pandemic.Traveling thousands of miles from Florida, John Paul Rosario proudly shared his vacation pictures from Egypt from the beginning of the year. "It was my girlfriend's birthday, 30th birthday, so we went there, but by the time we got back, everything was closed, and everything was in full swing," Rosario said.PHOTO GALLERY: Click here to look at more of JP's photosLittle did he know, the pictures capturing the next part of his life would be emotional. J.P., as his friends call him, is a COVID-19 ICU nurse who works around the clock with patients who have the coronavirus. He started taking pictures of what happens behind the COVID-19 doors as patients fight for their lives.?J.P. said he often looks at a picture that shows the COVID-19 team rushing in to help a patient on a ventilator. 1009

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