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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

For the first time, accused Waffle House gunman Travis Reinking has broken his silence.Reinking has been accused of murdering four people and injuring four others in a mass shooting at the Antioch, Tennessee restaurant last month.  Four people – 29-year-old Taurean Sanderlin, of Goodlettsville; 20-year-old Joe Perez, of Nashville; 21-year-old DeEbony Groves, of Gallatin; and 23-year-old Akilah DaSilva, of Antioch – were killed. Reinking was arrested the next day after a massive manhunt, booked into the jail and then he decided he wanted to talk.  He's locked up and undergoing a mental evaluation. In an exclusive interview, Reinking breaks his silence about his case. He called reporter Nick Beres at Scripps station WTVF  from maximum security at the Davidson County Jail. Reinking said he wanted to talk about his case, his mental health and his lawyers.  "About what I'm thinking and what I, I'd like to say on my behalf and stuff like that," Reinking said. In the days after his arrest, Davidson County Sheriff Daron Hall talked about Reinking's behavior and compared him to another accused mass shooter in the jail. That would be Emanuel Samson, who's charged with killing one person last year at the Burnette Chapel Church of Christ, also in Antioch. "I would use the word a little bit more normal for this one compared to the Emanuel [Samson] case, as it relates to interaction. That's probably the word that's been used the most," Hall said at the time.  Since Reinking's arrest, many have wondered if he will try using the insanity defense. When asked about his mental fitness he said, "Yeah, no… I'm perfectly healthy."  As for the shooting at the Waffle House? He wasn't ready to talk about that. "I'd rather not in the setting I'm at right now," Reinking said. But he did talk about his pending criminal case. Reinking has two appointed lawyers, but he said he plans to handle his own legal defense. "That's the thing, I'm choosing to represent myself. I don't know how that works. I didn't like those attorneys," Reinking said. He will likely address that at his next court appearance on June 1. Obviously, there were more questions to ask, but Reinking's call time expired. Also, since Reinking talked about the case he now appears to have violated a gag order and could face a contempt charge, so, no more calls are allowed.  Reinking remains held on no bond in the Davidson County Jail.  Full Coverage: Waffle House Shooting 2635

For the first time since March, one of the five major team sports leagues in the US welcomed fans into the stands.FC Dallas welcomed nearly 3,000 fans to its 20,000-seat venue on Wednesday.Before the start of the game, the national anthem was played. During the anthem, both Dallas’ and Nashville’s starting lineups knelt as a smattering of fans booed.The teams knelt in support of Black Lives Matter, and in opposition to racial inequality. The on-field protests are akin to the demonstrations by former NFL quarterback Colin Kapernick in 2016.While kneeling during the anthem has become common place in the NBA, the MLS did not have the national anthem performed during its mid-summer tournament in Orlando because no fans were in attendance.The MLS has said that the national anthem will only be performed if there are fans in attendance. As the MLS shifts from playing its games in a “bubble” in Orlando to teams’ home stadiums, some clubs will begin allowing a number of fans inside.One FC Dallas player spoke out, frustrated by the response from fans.“You can’t even have support from your own fans in your own stadium. It’s baffling to me,” FC Dallas’ Reggie Cannon told reporters. “As a team we try to give the best possible product on the field and these last six months have been absolute hell for us. Absolute hell.”But Cannon’s club said it supports the opinions of those who disagree.“FC Dallas supports our players and fans in their right to express themselves in a peaceful manner,” the club said in a statement. “The National Anthem was played before last night's match while the players were on the field which Major League Soccer requires when fans are in attendance. While we understand the decision to stand or kneel for the National Anthem is a polarizing issue, we hope that FC Dallas can be a leader in helping our community accept diverse viewpoints in a respectful way as we all work together in the ongoing fight for racial equality.” 1968

FedEx said Monday they are planning to hire 70,000 seasonal workers as they head into the holidays.In a hiring statement on its website, the shipping company said most of those hired for its "peak season" would be added to its FedEx Ground network."As our team of more than 500,000 team members is busy preparing to deliver the holidays, we once again expect to see a large number of packages traverse our global network over the 2020 peak holiday shipping season," FedEx said. "In order to provide the best possible service during this busy time of the year, FedEx is increasing hours for some existing employees and boosting our workforce with seasonal positions, as needed." The Memphis-based company added that it expanded FedEx Ground’s year-round Sunday residential coverage to nearly 95% of the U.S. population, which went into effect Sunday. 857

For the first time, the Oxford English Dictionary has released several words for its annual "Word of the Year" because it's 2020. With everything that has happened this year, the dictionary said it selected words that saw significant spikes in searches during certain months.On Monday, the dictionary released its "Words of an Unprecedented Year" report saying that 2020 was "not a year that could neatly be accommodated in one single "word of the year," so they came up with words that saw spikes in searches during certain months."For January, the word was "bushfire" because of Australia's worst bushfire season on record."Impeachment" also was influential in January because that's when President Donald Trump's impeachment trial began.In February, "acquittal" peaked since that's when President Trump's impeachment trial ended.In March, words about the coronavirus pandemic dominated, like "COVID-19," "lockdown," "social distancing," and "reopening."In June, it was the phrase "Black Lives Matter."For August, it was "mail-in" because of the U.S. election and "Belarusian" because of the re-election of Belarusian President Alexander Lukashenko.In September, it was "moonshot," which was the name of the United Kingdom's government COVID testing program.And in October, "superspreader" spiked due to the spread of COVID-19 cases within the White House and "net-zero," which pertains to China President Xi Jinping pledging the country would be carbon neutral by 2060. 1480