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The pandemic is requiring social distancing from friends and family, leaving many craving physical contact with those they care about. A woman in New Jersey has a clever solution: shower curtains.Melissa Molnar reportedly created a so-called “hug wall” from plastic shower curtains with two arm holes on each side to allow people to embrace.Molnar’s children haven’t been able to hug their grandmother since the pandemic started, so she created the hug wall to celebrate a recent birthday."It's been so hard for everybody in the world, and it was refreshing to be able to hug my parents and see their reactions, and see my children's reactions who have been asking for months when this going to be over,” Molnar told News 12. 733

The Indianapolis 500 will be held without fans in attendance on Aug. 23 due to escalating concerns over the coronavirus pandemic in Marion County, the Indianapolis Motor Speedway announced Tuesday.It will mark the first time in the 109-year history of the Indy 500 that it will be run in front of empty stands at the 2.5-mile oval track.“As dedicated as we were to running the race this year with 25 percent attendance at our large outdoor facility, even with meaningful and careful precautions implemented by the city and state, the COVID-19 trends in Marion County and Indiana have worsened," a news release from IMS said.First held in 1911, the Indianapolis 500 is the largest single-day sporting event in the world with approximately 350,000 people annually packing the track's grandstands and infield to watch "The Greatest Spectacle in Racing." Running the race without fans prevents the seventh cancellation in Indy 500 history. The race was not held in 1917-18 during World War I, and from 1942-45 during World War II.In late March, IMS leaders rescheduled the race from May 24 to Aug. 23. Officials said on June 26 that Indy 500 attendance would be limited to no more than 50%.That number was further decreased on July 22 when plans were scaled back to host the race at 25% capacity. Face coverings would be required, and the Speedway released an 88-page health and safety plan that provided guidelines and protocols for how the race would be run in 2020.Even at 25% capacity, the race would have been the largest event held in the United States since the beginning of the coronavirus pandemic.IndyCar and IMS owner Roger Penske previously said he wouldn't run the race without fans, but the realities of the pandemic prevailed.“We need to be safe and smart about this,” Penske told the Associated Press. “Obviously we want full attendance, but we don’t want to jeopardize the health and safety of our fans and the community. We also don’t want to jeopardize the ability to hold a successful race.”In a news release, IMS said in the weeks since the June 26 announcement of 50% capacity, the number of COVID-19 cases in Marion County has tripled while the positivity rate has doubled."We said from the beginning of the pandemic we would put the health and safety of our community first, and while hosting spectators at limited capacity with our robust plan in place was appropriate in late June, it is not the right path forward based on the current environment," the release said.How fans will be impactedThe announcement of no fans on race day also means all on-track activity during the month of August, including practice and qualifications, will be closed to the public. The first practice will take place on Aug. 12.Fans who still have tickets to the 2020 Indy 500 will be credited for the 2021 race and retain their seniority and originally assigned seats.Additionally, as announced in July, the race will be broadcast live on TV in Central Indiana for the first time since 2016.State and city leaders react to Speedway's decisionIndiana Gov. Eric Holcomb issued a statement following the announcement thanking Penske and IMS leadership and encouraging Hoosiers to do what they can to prevent the spread of COVID-19. 3239

The Navy’s newest, most high-tech nuclear submarines use at least one piece of technology that millions of children use every day — a video game controller.According to The Virginian-Pilot in Norfolk, Virginia, the Navy is replacing traditional periscopes on its Virginia-class nuclear submarines with high resolution cameras that will be controlled with Xbox 360 controllers.According to the Virginian-Pilot, the cameras were originally designed to be controlled with a “helicopter-style” joystick. That design was quickly dropped after officials got feedback from a group of Navy junior officers.Lt. j.g. Kyle Leonard, the assistant weapons officer on the USS John Warner — one of the Virginia-class submarines based in Norfolk — told the Virginian-Pilot that many sailors found the joystick clunky to hold and hard to use.The solution? Integrate a tool that nearly every American kid uses on a daily basis.According to WRC-TV, the controllers are more than just functional. The Xbox controllers will set the Navy back about apiece, while the old system cost nearly ,000.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1180

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

The man who police said killed two people at a Tallahassee, Florida yoga studio was accused of harassing young women in the area and reportedly made misogynistic remarks on YouTube videos but authorities say it's not clear why he carried out the attack.Scott Paul Beierle, 40, posed as a customer when he walked into Hot Yoga Tallahassee on Friday evening and fired a handgun without warning, police said.The yoga students fought back, police said, but two women were killed and five people were wounded. The gunman had turned the gun on himself by the time officers arrived, Tallahassee police Chief Michael DeLeo said. 628