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The month of March for Diana Berrent was one she could’ve done without. The 46-year-old woman was one of the first people in New York State to catch COVID-19.To this day, she's still living with residual symptoms six months later.“COVID is supposed to go away like the flu, and it’s not necessarily going away after two weeks,” she explained.In an effort to help find treatments and develop a vaccine, Berrent has been donating plasma as often as she can. It's in her antibodies, where the key to fighting this virus may lie.Dr. Wesley Self, a researcher at Vanderbilt University Medical Center, has spent the last few months trying to figure out what antibodies are telling us about COVID-19 and how to fight it.“Understanding how the immune system responds to the virus will help development of the vaccines,” Dr. Self said.Dr. Self and his colleagues spent the last few months studying 3,000 people. All of them were healthcare workers who had tested positive for COVID-19. They found that a majority of people who had the most severe cases started out with the most antibodies. But the study also found after 60 days, almost everyone who had coronavirus lost all antibodies.That could be bad news when it comes to our bodies' ability to fight off the virus a second time.“The antibodies are one piece of the immune system. It’s possible they’ll ramp up again quickly and prevent reinfection,” Dr. Self added.All of this also means researchers now need to get blood samples from people fairly quickly after they're infected before antibodies disappear.“We need to be thoughtful about vaccines and treatments that are specific for this virus,” he said. 1662

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 pandemic has exposed a long-standing problem across the county: a lack of internet access in homes. And for most families, the switch to virtual learning came without warning. "Yes, there was an announcement, and my initial thought was not fear, more of daunting. I was overwhelmed," said San Diego mother Paula Gosswiller. Because for Gosswiller, it meant having to convert her kitchen into a classroom for five. Ranging from ages 5 to 13, all of her school-aged kids are in different grades."We did not have internet at the time in our house, and just the thought of homeschooling without internet or technology was daunting," said Gosswiller.The kids attend St. Ritas Catholic School in southeast San Diego, which was able to secure enough devices for each student before the school year, thanks to a donation. When school went virtual, they deployed the iPads and Chromebooks to students in need."The inconsistency of internet and things like that, really made it challenging for a lot of our families," said Principal Gina Olsen. Olsen says nearly half of the students needed to borrow a device when the school went virtual. She says they were also grateful to receive a grant from the Southeastern San Diego COVID-19 Rapid Response Fund, to help cover missed tuition payments for students. Like many families, the Gosswiller's were forced to add an internet bill to their list of expenses, but not all can afford to do this."I think the statistics are something like 1 in 4 kids in the U.S. don't have access to WiFi at home. Before the pandemic, they could stay after school, they could go to a library, maybe a McDonald's parking lot or a Starbucks," said Angela Baker, who runs corporate responsibility at Qualcomm.Located in San Diego, the tech giant Qualcomm helped turned our cellphones into smartphones with its modem chips. Now, they're putting some of that technology into computers."With people getting so used to their smartphones, and the experience of always being on, great battery life, being able to use it anywhere you are, no matter where you are, we kind of took that concept and applied it to the PC market," said Pete Lancia, who runs external communications at Qualcomm. With help from manufacturing partners, Qualcomm built computers with cellular connectivity that don't require WiFi to get online. They donated 900 to students in the San Diego Unified School District."We really need to make sure that kids have access to broadband at speeds that will let them do their homework, watch videos, see the instruction if that's being done, now that we know so many schools are probably going to be online," said Baker. And like your smartphone, the battery is designed to last all day. "I think this was a wake-up call for everyone," said Gosswiller.She says her family is making it work, navigating the challenges as they go."We're ready to take it on and mark the days off the calendar when they can go back to school physically," she said. 2981

The neon lights of Broadway’s Honky Tonk bars are still shining brightly each night in downtown Nashville, Tennessee. But across this city that's soul heavily beats to the pulse of local musicians’ songs, many independent music venues are in danger of going dark for good.Since 1971, Exit/In near the city’s west end neighborhood has long been a beacon for smaller artists looking to make it big. Over the years, everyone from Billy Joel to Cheryl Crow to Jimmy Buffet has graced the stage here. But it’s the smaller, less well-known artists who truly rely on a black box venue like this one.“It’s a purist’s room. It’s just a great old school style place,” explained owner Chris Cobb.Since March though, Exit/In and thousands of other venues like it across the country have been shut down--forced to close their doors because of the coronavirus.“It’s just not safe. It’s not safe to do what we do right now, unfortunately, and there’s no pivot option. We can’t curbside a concert, we can’t to-go a concert,” Cobb lamented.It’s that kind of daunting reality facing owners of clubs, venues and smaller music halls across the country. Many have already run out of money and most are out of time. Aside from the 57 employees that Cobb had to lay off, there are also closed signs now popping up on businesses around the neighborhood who rely on live shows to bring customers in.“We’re on the edge of a cliff with a huge number of venues right there at the edge and about to go over, and they won’t come back,” he added.While it’s not a giant stadium, venues like Exit/In are the kind of spaces where smaller artists get their start. In cities across the country, independent venues are deeply engrained in the culture of the communities they operate in.For musician Daniel Donato, not having a stage like Exit/In to play on has been difficult.“I want to create memories that people can go back to. I want to be somebody’s Friday night. And the first thing a musician plays is the venue, they don’t play their instrument, they play the venue they’re in,” Donato said.In addition to the income he’s lost, the 25-year-old musician is also missing out on a chance to refine his craft. There are countless musicians like him across the country stuck in a kind of painful limbo.“I have to have the energy of the people in the room, take that, put it in a guitar and make it something great,” he added.By the end of the year, live performance venues are expected to lose about billion on ticket sales alone. Because of the impending crisis facing smaller venues, nearly 2,800 have banded together to form the National Independent Venue Association (NIVA).A stunning 90 percent of venues in the organization say they will close by the end of the year without any federal assistance.“It’s happening and every day that goes by is a risk that it happens more, people have run out of money,” explained Audrey Fix Schaefer, who serves as the director of communication for the group.In recent months, NIVA has created the "Save Our Stages Act." It’s a billion grant program for independent venues with bi-partisan support. Now, all they need is a vote in Congress.“People have run out of money and they’re running out of hope,” she added.As for Cobb, it's not just about the jobs that have been lost, it's about the music that the country may never hear if independent venues go silent forever.“It’s hard to think about American music without this network of independent music venues that have existed in this country for decades now. American music, as we know it, would not exist. I’m afraid that’s what we’re about to learn the hard way is it can’t exist the way we know it if these venues go away,” Cobb said.But for now, that's a song Cobb is trying not to write, hoping that the sun doesn't permanently set on some of the nation's most beloved stages. 3854

The NBA season is set to resume next week in Orlando, Florida, and the league’s court is ready for the resumption of play.On Tuesday, the NBA unveiled a court painted with “Black Lives Matter” at center court in front of the scorers’ table. Fans will get to watch the courts put to use beginning tomorrow as teams will hold scrimmages on the court.Twenty-two of the league’s 30 teams will conclude the season in Orlando after a four-month hiatus.During the league’s coronavirus hiatus, the country has faced unrest following the death of George Floyd while in police custody on Memorial Day. Since then, the league and its players said they'll work on ways to spotlight social justice.“Our platform in Orlando presents a unique opportunity to extend the ongoing fight against systemic racism and police brutality in this country,” NBPA Executive Director Michele Roberts. “We will continue to work with our players and the League to develop specific plans in Orlando as well as long-term initiatives to bring about real change on these issues.” 1052

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