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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

Following economic shutdowns to slow the spread of the coronavirus, and with the US still dealing with the spread forthe pandemic, experts from the UCLA foresee a US economic depression into 2023.The researchers say that unemployment levels of 10% could persist into the fall, and 6% unemployment could remain through the end of 2022.US unemployment was below 4% earlier this year."To call this crisis a recession is a misnomer. We are forecasting a 42% annual rate of decline in real GDP for the current quarter, followed by a 'Nike swoosh' recovery that won't return the level of output to the prior fourth quarter of 2019 peak until early 2023," writes UCLA Anderson Forecast senior economist David Shulman in an essay titled "The Post-COVID Economy."The researchers note that the economy has already hit rock bottom. But GDP and employment levels won’t see a quick recovery.But Shulman said that the entire economic meltdown cannot be blamed on the coronavirus. Shulman and UCLA researchers say the pandemic has accelerated economic trends that were already moving toward increased digitization of business functions and online commerce. 1149

FORT LAUDERDALE, Fla. — Police apprehended a kangaroo that was on the loose Thursday morning in Fort Lauderdale.Residents living near North Andrews Avenue and 13th Street reported seeing a runaway kangaroo hopping through their neighborhood.Fort Lauderdale police officers arrived and, with the help of wildlife officers, were able to leash the kangaroo and guide the animal into the back of a police cruiser.It was not immediately known how the kangaroo made its way to Fort Lauderdale, but the marsupial avoided a trip to the slammer.Instead, the Australian tourist was taken to the South Florida Wildlife Center. Who caught a glimpse of #FLPD’s newest mate hoping through our community this morning? Officers in District 2 worked together to safely capture this kangaroo and turn it over to the South Florida Wildlife Center. pic.twitter.com/y4rZ5QQApS— Fort Lauderdale Police (@FLPD411) July 16, 2020 This story was originally published by Peter Burke on WPTV in Palm Beach, Florida. 1006

Florida Gov. Rick Scott declared a state of emergency Saturday for all 67 counties in the state as Subtropical Storm Alberto heads toward the Gulf of Mexico.The first named storm of this season, Alberto is expected to strengthen as it moves up the Gulf this weekend, the National Hurricane Center said, bringing heavy rains and possible floods to Florida and much of the Southeast in the coming days."Do not think that only areas in the cone will be impacted -- everyone in our state must be prepared," Scott said in a statement.Click here to track the stormCuba is expected to get as much as 15 inches of rain, the hurricane center said in an advisory Saturday morning, and the Florida Keys and South Florida could get as much as 10 inches."Swells from Alberto will create dangerous surf and rip currents along the Gulf Coast," the National Weather Service said.The center of the storm is expected to be move close to the western tip of Cuba on Saturday afternoon, then track up the eastern Gulf of Mexico in the night through Monday.Hurricane season doesn't officially begin until June 1, but Alberto apparently missed the memo. The tropical system became a subtropical storm Friday, the hurricane center said. As it travels up the warm waters of the Gulf, it could well become a full tropical storm.As of 11 a.m. ET Saturday, parts of Cuba and the Florida Keys were under a tropical storm warning, and a tropical storm watch is in effect for parts of Florida, Georgia and Louisiana, meaning the conditions for a full storm are possible in the next 48 hours.The early storm doesn't necessarily mean it will be a busier-than-usual hurricane season though. The official National Hurricane Center forecast released Thursday said the season is likely to be near or above normal.The-CNN-Wire 1796

Former GOP presidential candidate Herman Cain has died after being hospitalized with the coronavirus. He was 74.The news of his passing was posted on his website by Dan Calabrese, as well as his verified Twitter account. 228