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More transgender and gender-nonconforming people have been killed this year than any other year prior since data has been tracked.According to the Human Rights Campaign, which has been tracking the deaths since 2013, at least 33 trans or gender non-conforming people have been killed in the United States in 2020.“There’s a loud minority of folks who feel it is their place to punish people who have different beliefs than they do,” said Tori Cooper, a transgender woman herself who works with the HRC. “It is difficult to sometimes articulate how each death feels, like a little part of your spirit is being taken away.”Cooper says as LGBTQ issues get more exposure, more risk is taken on by the community. She also says each year the reporting gets more accurate, which could be why the trend has gone the way it has.“There [are] so many things that you find in common; so many commonalities with these people who have been murdered that it feels each time a little closer to home,” said Cooper.For Cooper, that feeling was never more pronounced than after 33-year old Felycya Harris, another trans woman, was killed on October 8 by a man she was in a romantic relationship with. Both live in Georgia, and both can identify with the fact that most of these deaths have come at the hands of those closest to the victim.“When someone says something under their breath you have to think to yourself is this person going to kill me,” said Cooper. “That may sound, to folks outside the community, hyperbolic, but the truth is it isn’t.”Cooper says the way forward is in education, empathy, and working through any discomfort about transgender issues that may be different than our own.“If folks who in our same social circles are killing us, then if we can’t trust people who we know then who is it that we can trust,” said Cooper.She says only then can we work towards reversing a trend that has Cooper and others apprehensive about something inherent to all of us: connection.“Provide folks with the love, support, and encouragement that we, as trans people, need because that provides a modicum of safety,” she said. 2124

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

Mondelez International, the parent company of Nabisco, has redesigned its packaging of "Barnum's Animals" crackers after being pressured by People for the Ethical Treatment of Animals.The group called for the redesign by Mondelez because it protests the use of animals in circuses, and the animal crackers boxes showed animals in cages, the Associated Press reports.The crackers were once named for the Ringling Brothers and Barnum and Bailey circus, but it folded for good after 146 years. It had removed elephants from its shows because of pressure from PETA, the AP says.The animal crackers boxes now show animals wandering side-by-side in the grass and include trees. 699

NASHVILLE, Tenn. — Metro Police have identified the six officers who first responded to the scene of the downtown explosion Christmas morning. City officials say these officers showed up to a "shots fired" call on 2nd Avenue around 5:30 a.m. Upon arrival, an RV on the street played a recording and countdown, saying the vehicle contained a bomb and warning everyone to leave the area. The officers helped several people evacuate before the RV exploded shortly after, around 6:30 a.m."They immediately began knocking on doors, not knowing when the bomb would go off," Chief John Drake said at a press conference Saturday night. "They didn't think of themselves...they thought of the citizens of Nashville. They saved lives today, and their heroism should be noted." Officer Brenna HoseyOfficer James LuellenOfficer Michael SiposOfficer Amanda ToppingOfficer James WellsSergeant Timothy MillerMayor John Cooper commended the officers as well. "They took swift action, directed people away, even when their own lives were in peril. This is a year we understand what first responders mean to our community time and time again." 1132

NATIONAL CITY, Calif. (KGTV) -- The skateboarder injured during a hit-and-run in National City Friday has died, a family member tells 10News.According to the relative, the man suffered severe brain damage from the crash.“The whole family is torn apart and want justice,” the family member said.RELATED: Motorist sought in National City hit-and-run crashAccording to National City police, the man was skateboarding with friends along Palm Avenue around 12:30 a.m. when a driver traveling northbound hit him.Police say the driver left the scene, leaving the skateboarder in the street.Witnesses told police the driver was a woman. Police say the suspect’s vehicle is a black Mitsubishi Galant with major damage to the front end and a missing side mirror.The family of the victim started a GoFundMe to raise money for funeral and medical expenses. 853