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The grandmother of a missing 5-year-old Dickson, Tennessee boy said she has been cooperating with law enforcement after her stepson was arrested for his death.Belle Daniels spoke to Scripps station WTVF in Nashville the night several vigils were being held for her grandson, Joe Clyde Daniels."Right now, we’re feeling that it’s a nightmare, and we’re hoping to get closure soon," said Belle. The boy, who had autism and was nonverbal, was first reported missing by his parents the morning of April 4.Hundreds of volunteers and law enforcement agencies responded to help search for the boy, but on Saturday, the rescue search turned into a recovery effort.Investigators with the Tennessee Bureau of Investigation and the Dickson County Sheriff's Office said 28-year-old Joseph Daniels confessed to killing his son and hiding his body. “It’s shocking because you raise a child from way back, and you think you know him. You don’t think your child could kill his own baby," said Belle. Belle said she was with her husband in Texas because he is a truck driver. That's when they heard that their grandson disappeared.“When we found out about it, my heart just sunk. We didn’t know what was going on, and when they couldn’t get leads, I thought somebody abducted him," she added. She returned on Friday right before he was arrested for one count of criminal homicide. She said she doesn't know why her son would commit the alleged crime. “We’re doing the best we can do, and I want people to know from the bottom of my heart I appreciate everything that law enforcement, churches, and all of the media that has done for us," Belle said.On Sunday, a smaller group of search crews continued to search for the child's remains.Sheriff Jeff Bledsoe scaled back efforts to give crews much needed rest.He said the search will continue with local special response teams on Monday, and they will assess areas needing to be covered. 1966

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 number of US citizens seeking refuge in Canada skyrocketed last year.Exactly 2,550 Americans applied for asylum in Canada in 2017, according to data from Immigration, Refugees and Citizenship Canada. That's more than a sixfold increase from the 395 Americans who applied in 2016.It's believed that the hard-line immigration policies of President Donald Trump have fueled the increase in the number of Americans fleeing to Canada.The United States supplied the third-highest number of asylum-seekers to Canada in 2017, topped by Haiti (7,785 applicants) at No. 1 and Nigeria (6,005 applicants) at No. 2.There's a large number of asylum-seekers this year as well, with 1,215 Americans requesting refuge in Canada through the end of August.Canadian officials said that while Canada remains an open, welcoming country, crossing into it is not "a ticket for permanent residence.""Coming to Canada, asking for asylum in Canada is not a guarantee for permanent residence in Canada," Louis Dumas, a spokesman for the immigration ministry, said last year. 1063

The jury in the trial of James Alex Fields has reached a verdict. Fields was found guilty of first-degree murder in the death of Heather Heyer, eight counts of malicious wounding and one count of failing to stop at an accident involving a death. Fields faces a maximum sentence of life in prison.The commonwealth argued that Fields intended to harm the counterprotesters. The defense says he was in a state of panic and acted in self-defense.The panel of seven women and five men, which includes one black man and 11 white people, was sent home Thursday night after attorneys made their cases. The jury began deliberations Friday morning, and concluded in the afternoon.  689

The great outdoors can be a great escape physically and emotionally.For a select group of first responders, outdoor adventures can provoke feelings that they desperately need while also providing peace of mind during this pandemic and political season.“My mind is actually blank and relaxed for once because I don’t think I’ve had this since everything has started,” said a pharmacist attending Hero Recharge, free outdoor adventures provided by the nonprofit group First Descents.This program started 20 years ago when the group’s founder took his aunt, who was diagnosed with cancer, out kayaking. Her time on the river was an important part on her recovery process.Since then, First Descents has grown to an international movement with major sponsors such as the Dunkin' Joy in Childhood Foundation, VF Foundation, Basepoint Foundation, and Samberg Family Foundation.Fist Descents is serving those suffering from cancer and multiple sclerosis through activities like surfing, kayaking and rock climbing. This year, they’re now helping health care workers impacted by the COVID-19 crisis.Nurse practitioner Marybeth Spinos has volunteered with the First Descents for the past several years and says the camaraderie outside of the workplace can help health care workers step away from their stresses and fears about being on the front lines.“What’s so beautiful about these opportunities is that you can be with people who really get it,” Spinos said.That includes people like emergency room nurse Emily Lanier, who’s disappointed with the handling of the crisis, especially with a recent surge in new COVID cases nationwide.“We’ve already been through this and now we know a lot more and we’re still going through it,” she said. “We just don’t know when this is going to end and so it’s kind of hard to picture any kind of future.”Being out of the hospital and in nature does help these health care workers heal physically and emotionally.“Just being out here, away from it all, just kind of puts everything out of my mind,” said pharmacist Troy Chunkapura.He says sharing similar environmental experiences with others in the medical community gives him hope.“We’re in this together,” Chunkapura said. “There is a light at the end of the tunnel and we’re going to get through this.” 2292