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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore 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.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

MILWAUKEE — Eight Sisters at Notre Dame of Elm Grove, a retirement home near Milwaukee, died from COVID-19 in a week despite the home’s best efforts.“The Sisters, were being extra careful in terms of getting their meals in rooms and they can’t congregate together,” Sister Debra Sciano, Provincial Leader of the School Sisters of Notre Dame Central Pacific Province said. “More testing, being tested twice a week for the virus.”Sciano says they are heartbroken to lose these eight women. Combined, they had over half a millennium of service to the community.All educators in their own right, their reach went far beyond the walls of the School Sisters of Notre Dame retirement home.“Every one of our sisters is really important,” Sciano said. “Not only to us, but we feel they have touched thousands of lives we’ll never be aware of.” 842

NATIONAL CITY — SAN DIEGO (KGTV) - Trash is increasing along San Diego freeways and homelessness appears to one of the driving factors, Caltrans reports.Caltrans officials held a news conference Thursday to raise awareness of the growing problem and encourage people to do the right thing. While Caltrans has no statistics, the agency says its crews are seeing more homeless encampments along local freeways, especially through urban areas, and officials believe that's contributing to the increasing litter. "The encampments in the right of way do generate trash," said Mario Orso, Project Director for Caltrans in District 11, which covers San Diego and Imperial Counties. He stood along an on-ramp to I-805 in National City as it was being cleaned by a contracted litter crew. Orso and other Caltrans officials said along with more homeless encampments producing trash, the problem appears to be on the rise from drivers as well, especially those transporting loads of trash or refuse to landfills without properly tying down their loads. San Diego is not alone, Orso said, as Caltrans officials up and down the state are holding news conferences to increase awareness and encourage people to act responsibly.Orso said trash pickup along freeways puts those who have to clean it up, like Caltrans workers, contractors and corrections inmates, at risk. Caltrans says most of the trash is in metro areas along the 5 and 805.They're urging volunteers to get involved through the Adopt a Highway program; helping clean up a section of highway on their choosing on a periodic basis. 1589

NASHVILLE, Tenn. - The 65th Nashville Christmas Parade Organizers have announced that Kid Rock will no longer serve as the Grand Marshal of the Nashville Christmas Parade. The organizers have stated that they believe the Grand Marshal should "personify the spirit of Nashville" and therefore, have invited James Shaw Jr. to hold this honor. Shaw became a hero in the community after stopping a shooting at a local Waffle House earlier this year. This news came after Nashville Mayor David Briley announced he may not participate in the city’s Christmas parade if Kid Rock remained the Grand Marshal. The Mayor’s Office issued a statement Friday, saying “if Kid Rock is still the grand marshal tomorrow, the Mayor is inclined not to participate.” Briley’s statement came just hours after Kid Rock’s appearance on “Fox & Friends,” in which he called Joy Behar a “b----.” “God forbid you say something a little bit wrong, you’re a racist, homophobic, Islamophobic, this that and the other. People need to calm down, get a little less politically correct and I would say love everybody except that Joy Behar b----,” he said. Metro Councilman Freddie O’Connell tweeted he won’t be participating in the event, saying “The choice of Grand Marshal evokes neither the spirit of Christmas nor the inclusivity I think represents the best of Nashville.” 1413

More than one thousand businesses in Minneapolis were damaged during the protests over the death of George Floyd. It’s been two months since the damage was done and for many of the businesses, little has changed.“It’s terrible, you know to sit and look at this,” said Flora Westbrooks as she looked at what is left of her business in north Minneapolis.After 35 years of owning Flora’s Hair Design, the business is no more. It was set on fire during the protests at the end of May and into June, specifically, just a day before she was set to reopen after coronavirus state-mandated closures.“I’m already losing money and don’t have any money, then to see my salon go up in flames like that,” said Westbrooks, “it was devastating, the most devastating thing I had to witness.”Since the fire burned the hair salon and another building that she owned next to it, she has been struggling to raise the 0,000 needed to rebuild. Unfortunately, many business owners in Minneapolis are dealing with a similar struggle.“Everything up here, it is just gone. It’s just forgotten. We are forgotten and if I go down farther, there is nothing open,” said Westbrooks.Taking a walk through north Minneapolis, especially along West Broadway Avenue, it is easy to see that if a business is not in rubble, it is still boarded up and closed.For the businesses that have been able to reopen, many attribute their ability to do so to limited damage from the protest or help from their community and beyond.“There’s been an enormous amount of help,” said Tito Wilson. “We saw a lot of people coming in from outside the community and maybe some people from within the community, they came in sweeping up glass and sweeping up other debris.”Wilson is the owner of a barbershop in north Minneapolis. His business and other businesses on his street were able to reopen quickly after volunteers started a clean-up effort.“There are some nonprofits and for profits and volunteers who are individually helping, providing technical support to help businesses rethink themselves, to help them fill out loan applications, to figure out if they qualify for things,” said Kenya McKnight-Ahad.McKnight-Ahad is the founder of Minneapolis’ Black Woman’s Health Alliance and has helped more than 40 businesses with about ,000 in grant money to rebuild and reopen. Her organization is one of many in the area trying to help. The West Broadway Business and Area Coalition is another. It has raised more than million for businesses damaged and is set to soon allocate that money to the businesses still in need.Beyond the city though, individual businesses around the country have donated millions to the GoFundMe pages of individual businesses. Some businesses have received a few hundred dollars, while others have received several hundred thousand dollars in donations. Even Flora’s Hair Design, has gotten more than 0,000 in donations on her GoFundMe page.The one entity that has not showed up for the businesses damaged during the protests has been the federal government. Businesses in need are calling for a disaster recovery-like consideration from the government.“You help Wall Street, you bail them out, but people like us, we just need a little fraction of the money that you give,” said Westbrooks. “I would beg and ask our government, do something.”To the business owners here, letting their businesses struggle and die will only further systemic issues in their communities of color. The very thing that George Floyd’s death highlighted, and the protests were meant to undo. 3565