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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

Former Vice President Joe Biden canceled a planned appearance in Illinois this week because he is sick and "under doctor's orders not to travel," according to state Democrats."Everyone who knows Vice President Biden knows that he gives our party and our country his all, but unfortunately he is sick and is under doctor's orders not to travel," Illinois Democratic County Chairs' Association President Doug House said in a statement posted to Facebook Tuesday night.Biden, 75, was scheduled as a keynote speaker for the Illinois Democrats County Chairs' Association brunch in Springfield, Illinois. The event kicks off Democrats' Day at the Illinois State Fair."The cancellation is of course disappointing, but it is clear that the circumstances are simply unavoidable," House said.House added, "We all hope he gets well soon and I'm sure he'll be back campaigning for Democrats in Illinois and across the country in no time."A spokesman for Biden said the former vice president is simply under the weather and will "be fine in a few days." The spokesman would not comment on the record about Biden's condition.Biden has been crisscrossing the country campaigning with Democrats candidates ahead of the midterm elections but also fueling speculation that he'll seek the Democratic presidential nomination in 2020. 1321

FORT MYERS, Fla. -- Caleb Lowman says he was forced to use his shotgun on his neighbor's three dogs when they escaped their cage and began attacking his goats. “When I came out, I had the shotgun with me with the hopes it wouldn’t have to be used,” Lowman said. Lowman says this isn't the first time the dogs have gotten out and been aggressive. On last Monday, the dogs got out of their fence and attacked the goats in his yard. Photos show the goats suffered bite marks up and down their neck and legs.However, one of the dogs' owners, Jake Hutto, claims his pets have never been aggressive. “I don’t understand how it’s possible to shoot three dogs in the head, to blow their face off," Hutto said.Lowman's family called Animal Control after last week's incident and says they safely returned all three dogs to the neighbors. Five days later, Lowman says it happened again — this time in front of his 13-year-old daughter, Chloe. “I had to go outside and watch basically my babies be attacked by dogs," said Chloe. Lowman says despite his family's efforts, the dogs killed two of the goats. That's when he pulled out his shotgun and killed all three dogs. Hutto came home to find that Animal Control had left his pets in three large trash bags.“There’s nothing more you can do, nothing’s going to bring them back,” Hutto said. Records show several citations had been issued from Animal Control to the dog owners' household. But with two goats and three dogs now gone, Lowman says this isn't what he wanted. "This time it was our goats, Monday it was our goats; if we let that happen again that could have been my children," he said. "It didn’t need to be this way if they just secured their dogs."A spokesperson for Animal Control says this is an active investigation. Lowman claims when he put in his final statement today at Animal Control, he was told two citations would be issued against the dog owners. He says the citations are for dogs menacing and harassing livestock and running at large.  2160

Florida gunman Nikolas Cruz is willing to plead guilty to avoid the death penalty and spare the community from reliving the massacre in a trial, his public defender said.Cruz, 19, faces charges of premeditated murder in Wednesday's shooting at Marjory Stoneman Douglas High School in Parkland, which left 17 people dead.Broward County Public Defender Howard Finkelstein, who is representing the confessed gunman, said there's no question he killed the 14 students and three staff members."The only question is, does he live or does he die?" Finkelstein asked.Prosecutors would need to agree not to ask for capital punishment and allow life without parole instead.On Saturday, State Attorney Michael J. Satz said this "certainly is the type of case the death penalty was designed for," but that now is the time "to let the families grieve and bury their children and loved ones.""Our office will announce our formal position at the appropriate time," Satz said.Cruz's next court date is set for Monday morning. He is being held without bond following a video hearing Thursday in a Broward County court. Latest developments 1134

FILE - This combination of photos shows logos for social media platforms, from left, Facebook, Twitter and Instagram. The company behind Ben & Jerry’s ice cream, Dove soap and a host of other consumer products says it will stop advertising on Facebook, Twitter and Instagram in the U.S. through at least the end of 2020 because of the amount of hate speech online. (AP Photo) 390