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The number of empty apartments available to rent in Manhattan soared to its highest level in recent history this summer.There are more than 13,000 apartments on the market in the heart of New York City, according to a real estate report from Douglas Elliman and Miller Samuel. The group says this is the most inventory they have seen in Manhattan in 14 years of keeping track.July’s spike of 13,117 available units is an increase over June’s inventory of 10,789.For context, July 2020’s inventory is nearly 122 percent higher than last year; in July 2019 there were roughly 5,900 available apartments.The group also says July had the biggest year-over-year drop in median rent price in nearly nine years. The median rental price for an apartment in Manhattan, including anything from a studio to a 3-bedroom, was ,320 in July, and was ,595 in July 2019.The report also tracks the Queens and Brooklyn rental market. Both saw huge spikes in inventory, but none as large as Manhattan.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Click here to see where people are moving to according to the study. 1415

The Justice Department is investigating Interior Secretary Ryan Zinke for possibly using his office for personal gain, following a referral from Interior's inspector general, two sources familiar with the investigation say.The full extent of the inquiry is unclear.Zinke has faced multiple ethics questions during his time at Interior, and the inspector general's office has multiple public inquiries into the secretary including the department's handling of a Connecticut casino project, whether the boundaries for Grand Staircase Escalante National Monument were redrawn to benefit a state lawmaker and conversations between Zinke and Halliburton Chairman David Lesar about a Montana land development project.Zinke said he has not been contacted by the Justice Department."They haven't talked to me. It will be the same thing as all the other investigations. I follow all rules, procedures, regulations and most importantly the law. This is another politically driven investigation that has no merit," Zinke told CNN.The Justice Department declined to comment. Interior's inspector general's office said it would not comment on Justice-related issues.President Donald Trump's Cabinet secretaries have faced scrutiny over their use of government resources, including former Health and Human Services Secretary Tom Price and Housing and Urban Development Secretary Ben Carson.CNN has also learned Justice Department investigators began probing Scott Pruitt's questionable ethical conduct before he left as Environmental Protection Agency administrator, according to multiple people familiar with the matter. The inquiry was opened up after a referral from the EPA IG regarding whether Pruitt took any action to benefit an energy lobbyist he rented a condo from for below market rate.The probe appears to have stalled since Pruitt left office over the summer, according to multiple sources familiar with the matter. 1922

The number of empty apartments available to rent in Manhattan soared to its highest level in recent history this summer.There are more than 13,000 apartments on the market in the heart of New York City, according to a real estate report from Douglas Elliman and Miller Samuel. The group says this is the most inventory they have seen in Manhattan in 14 years of keeping track.July’s spike of 13,117 available units is an increase over June’s inventory of 10,789.For context, July 2020’s inventory is nearly 122 percent higher than last year; in July 2019 there were roughly 5,900 available apartments.The group also says July had the biggest year-over-year drop in median rent price in nearly nine years. The median rental price for an apartment in Manhattan, including anything from a studio to a 3-bedroom, was ,320 in July, and was ,595 in July 2019.The report also tracks the Queens and Brooklyn rental market. Both saw huge spikes in inventory, but none as large as Manhattan.Moving help website HireaHelper.com released results of a recent study on 2020 moving trends.Their study also found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. New York as a state had 64 percent more people leaving than moving in.Click here to see where people are moving to according to the study. 1415

The holiday season is here, but it’s likely that your traditions won’t be quite so traditional this year. The coronavirus pandemic has impacted many facets of our lives, and the holidays are no exception: More than two-thirds (68%) of Americans who had December holiday travel plans say these plans have been affected by the pandemic, according to a new NerdWallet survey. Another 22% say they aren’t sure yet if their plans will be impacted.In the NerdWallet survey of more than 2,000 U.S. adults conducted online by The Harris Poll, we asked how their December holiday travel plans have been affected by the pandemic. Of those still traveling for the holidays in December — referred to as “holiday travelers” throughout — we also asked about planned primary lodging and transportation.Key findingsCOVID-19 will keep many from loved ones: Among Americans who say their December holiday travel plans have been impacted by the pandemic, 2 in 5 (40%) say they usually travel with or visit friends and family, but this year they won’t. Additionally, 27% usually drive out of town but won’t this year, and 17% say the same about flying somewhere during the holiday season.Far fewer Americans plan to travel this year: Just 24% of Americans plan to travel out of town for the December holiday season in 2020, compared with 75% who did so in 2019. An additional 17% aren’t sure yet if they’ll travel for the holidays this year.Travelers opt to stay closer to home: Of those planning to travel out of town this year for the December holidays, more than half (56%) say their plans were impacted by COVID-19. A quarter of those affected (25%) say while they usually travel farther from home, this year they’ll stay closer.Most holiday travelers plan to drive: Driving is the most popular primary mode of transportation (68%) for 2020 holiday travelers. This is down from 81% for 2019 holiday travel.Staying with loved ones is still the most popular lodging option: About 2 in 5 holiday travelers (38%) plan to primarily stay at the home of a family member or friend this year. This was true of about the same proportion (37%) of 2019 holiday travelers.COVID-19 alters holiday travel plansNo matter what holidays you observe in December, celebrations may look different this year because of the COVID-19 pandemic. Of Americans who say their holiday travel plans were impacted by the pandemic, 2 in 5 (40%) say that while they usually travel with or visit friends and family members, this year they won’t. More than a quarter (27%) usually drive somewhere out of town but won’t this year, and 17% usually fly somewhere but won’t this year.What you can do: Avoiding travel altogether is the safest course of action as COVID-19 cases surge across the country. It’s been a difficult year, and not being able to spend time with friends and family is a big part of that, but the best way to protect yourself and the people you care about most is staying home this holiday season.“This holiday season looks very different from years before. It’s hard to not travel, but staying home helps keep you and your loved ones safe,” says NerdWallet travel expert Sara Rathner. “If we each do our part, maybe Christmas in July will become a real way to celebrate belatedly in person.”Large drop in number of holiday travelers this yearAccording to our survey, three-quarters of Americans (75%) traveled out of town for the December 2019 holiday season. In 2020, just 24% of Americans are planning December holiday travel, and another 17% were unsure when asked in the first week of November.More than half of holiday travelers (56%) say their plans were impacted by COVID-19. Almost a third (31%) say their plans weren’t impacted, and 13% weren’t sure at the time we asked. Of those travelers who say their plans have been impacted, some of the biggest changes are traveling closer to home than usual (25%), driving their personal vehicle when they usually fly (23%) and spending less time away from home than they normally would (23%).Parents of children under 18 are more likely to plan on out-of-town December holiday travel this year than Americans without minor children (37% vs. 18%). Most (68%) of these parents’ travel plans were affected by COVID-19, with 27% saying they usually travel farther from home, but this year they’ll stay closer.What travelers can do: If you’re traveling out of town this December, make sure you’re up to date on the guidelines from the Centers for Disease Control and Prevention, or CDC, for traveling safely. These guidelines can change rapidly, so stay abreast of any new developments through the dates you’re planning to travel.“A number of states increased restrictions before Thanksgiving, so if you’re traveling to another state, it may look very different there than it does at home. Plan ahead so you can follow the rules,” Rathner says. “Pack enough masks and find out which local businesses may be operating on limited hours. If you plan to get a COVID test, availability is limited in some areas. You don’t want to leave these arrangements for the last minute.”Most holiday travelers will drive and stay with friends or familyMost holiday travelers (68%) plan to primarily drive to their destinations this year, which was also the case in 2019, when 81% say they drove as their primary transportation. The percentage of holiday travelers flying as their primary mode of transportation is up this year (24% vs. 12% in 2019), but that doesn’t mean more Americans are flying. Since fewer U.S. adults are traveling overall, that’s less than 15 million Americans flying, compared with last year’s almost 23 million flyers. [1]Primary lodging plans mirror last year’s: For 2020, 38% of holiday travelers plan to primarily stay at the home of a friend or family member. In 2019, 37% of holiday travelers say they primarily stayed at a loved one’s home. The second most popular primary lodging choice in both years was a hotel or motel (28% in 2020, 25% in 2019).What travelers can do: Keep your travel plans as flexible as possible, in case the pandemic upends them in the eleventh hour. Don’t worry about booking early to get the best price. 2020 is an unconventional year, and if you do opt to travel, you’ll probably find that costs are lower than in holiday seasons past.“You need a Plan A, B, C and D for holiday travel this year,” Rathner says. “When you book anything, know what the airline, hotel or car rental companies’ policies are for cancellations. It’s not so much about finding deals now, it’s about being able to back out of your plans if necessary.”MethodologyThis survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from Nov. 4-6, 2020, among 2,055 U.S. adults ages 18 and older, among whom 1,537 traveled out of town for the December 2019 holiday season and 508 plan to travel out of town for the 2020 holiday season. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables and subgroup sample sizes, contact Brittany Benson at bbenson@nerdwallet.com.[1] Calculated using U.S. Census Bureau population estimates from July 2019 and NerdWallet survey data on December 2019 holiday travelers who primarily flew and December 2020 holiday travelers who plan to primarily fly.More From NerdWalletHow to Make Use of the Points and Miles From a Deceased Family Member’s Account10 Tips for Winter RV Road TripsHow to Maximize Travel Rewards on Holiday Spending This YearErin El Issa writes for NerdWallet. Email: erin@nerdwallet.com. 7649

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623