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The mayor of Compton, California, has told the Los Angeles Times that she is launching a pilot program with a local non-profit that will give 800 residents a "guaranteed income" over the next two years.Compton Mayor Aja Brown told the Times that a non-profit called the Compton Pledge would select 800 low-income residents and distribute a "guaranteed income" to them for the next two years.According to the Times, the participants will be selected from a "pre-verified" list of low-income families in the area. Over the span of two years, the Compton Pledge plans to provide the families with "at least a few hundred dollars on a recurring basis" without any strings attached. The program will also provide families with financial guidance and track their spending and well-being throughout the process.While the Compton Pledge has not said where it is getting its funding or how much participants would receive, The Los Angeles Times reports that the program hopes to include a "representative sample" of the city's racial makeup in its participants.Once considered a fringe concept, the idea of a "universal basic income" has gained traction among left-wing politicians in recent years. Such a policy would provide all Americans with a monthly stipend which recipients would be free to spend as they see fit. Businessman Andrew Yang ran for the 2020 Democratic presidential nomination based on the idea.The concept gained further traction amid the COVID-19 pandemic when lawmakers agreed to provide most Americans with a ,200 check as the government shut down businesses to prevent the spread of the virus.While critics of a universal basic income claim such a policy would lead to high unemployment numbers and lead to spending on non-essential goods, some studies have shown that's not always the case. A similar program being conducted in Stockton, California, shows that recipients of basic income funds were mostly spent on food, clothes, and utility bills. 1975

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 NFL is planning on playing “Lift Every Voice and Sing” before all Week 1 football games this fall, a source familiar with the league’s discussions confirmed with EW Scripps on Thursday.USA Today and ESPN first reported that the NFL is in the process of finalizing plans to play the song considered a “Black Anthem.” The source said the song would be performed before the Star Spangled Banner before Week 1 games in September.The source said the league is working collaboratively with players to recognize victims of systemic racism throughout the season through a variety of in-game and programs. Among the items being discussed with players are: on-uniform elements, which could include the names of victims police brutality on helmet decals or jerseys patches and educational programs. The league is also considering public service announcements. The NFL is said to be in discussions with the NFLPA to finalize the plans. Earlier this week, NASCAR played “Lift Every Voice and Sing” before the Pocono 350. The song has also been performed at other various sporting events, including a Georgetown men's basketball game.The lyrics to the song were written as a poem in 1900 and set to music five years later. Last month, amid a nationwide protests in response to the death of George Floyd, NFL Commissioner Roger Goodell, who faced blame for not standing behind players who participated in protests, conceded he was wrong about players kneeling during the national anthem in response to police brutality.Goodell stated his support for Black Lives Matter in a video released on social media."We the National Football League, condemn racism and the systematic oppression of black people," Goodell said. "We, the National Football League, admit we were wrong for not listening to NFL players earlier and encourage all to speak out and peacefully protest," Goodell said. 1879

The porn star known as Stormy Daniels threatened to call off a nondisclosure agreement with President Donald Trump's lawyer weeks before the election, The Washington Post reports, citing an email from Daniels' lawyer obtained by the newspaper.Trump's personal legal counsel, Michael Cohen, agreed to pay the woman, whose real name is Stephanie Clifford, reportedly in exchange for her silence about an alleged affair she had with Trump several years prior.But according to the Post, an email from Clifford's lawyer, Keith Davidson, on October 17, 2016, shows Clifford's lawyer threatening to end the nondisclosure deal. At that point, the payment had not arrived, the newspaper said.Shortly after, a second email to Cohen from Davidson obtained by the newspaper said: "Please be advised that my client deems her settlement agreement canceled and void."Ten days after those emails, another email shows Daniels received a 0,000 payment, according to the Post.Cohen admitted last month to making the payment, saying in a statement that the exchange was a "lawful" "private transaction" in which he used his "own personal funds," and "was not a campaign contribution or a campaign expenditure by anyone.""Neither the Trump Organization nor the Trump campaign was a party to the transaction with Ms. Clifford, and neither reimbursed me for the payment, either directly or indirectly," Cohen said.Cohen reportedly set up a private LLC shortly before the 2016 presidential election to pay Clifford, following an alleged July 2006 sexual encounter with Trump, The Wall Street Journal reported in January.After the initial reports of the payment, Cohen said in a statement that Trump "vehemently denies" any encounter between the two."Just because something isn't true doesn't mean that it can't cause you harm or damage," Cohen's latter statement said. "I will always protect Mr. Trump."Clifford's manager also said last month that Clifford now believes Cohen voided the non-disclosure by admitting to the payment."Everything is off now, and Stormy is going to tell her story," said Gina Rodriguez, Clifford's manager.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2217

The name change for Boy Scouts of America is creating a buzz online as people react the organization's recent move to become more inclusive.They will begin calling the program for ages 11 to 17 "Scouts BSA."It was a historic decision for Boy Scouts of America as they take the next step towards allowing females into all their programs with their focus on bringing families together in one spot. It's all a part of the new "Scout Me In"?recruitment campaign, uniting girls and boys of the same family with one organization."Having Johnny in Scouts and Sally in soccer or some other activities — if they can go and do things together as a family unit, that's what families are looking for from the research we have," says Chris Mehaffey, scout executive and CEO of the Mid-America Council. And so the move was made today, switching the Boy Scouts program to Scouts BSA with the hopes that the new name will make girls feel comfortable joining the program geared towards 11-18 year olds.Still Mehaffey believes the name switch won't make a huge difference in girls joining the scouts. "I think those that are interested in our program will come anyway, this just shows that we are being more inclusive to what demographics we'll be serving."As for the Girl Scouts, they're remaining focused on creating programs for girls, and only girls. "So it's not changing the way we deliver our mission and programs. We're going to continue to do what girls asked us to do and provide for their changing needs," says Melissa Breazile, marketing director of Girl Scouts of Nebraska.And if girls desire, Mehaffey says girls can choose to join both organizations. "You don't have to choose. Girl Scouts meet on different nights, Cub Scouts, Scouts BSA meet on different nights, if you're interested in both if parents will allow, do both."Now this switch only affects the Boy Scout program. Ranks like Cub Scouts and Eagle Scouts, will keep their names.While the Cub Scouts have already began to bring in girls, the organization plans to fully bring them in by February of 2019. 2115