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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

Former Sheriff Joe Arpaio, who served as sheriff of Arizona's Maricopa County’s from 1993 to 2017, filed a libel lawsuit against The New York Times and a member of its editorial board Tuesday evening. Court documents obtained by show Arpaio is suing The Times and Michelle Cottle for the publication of Cottle’s August 2018 op-ed titled, “Well, at Least Sheriff Joe Isn’t Going to Congress - Arpaio’s loss in Arizona’s Senate Republican primary is a fitting end to the public life of a truly sadistic man.” In the opinion piece, Cottle calls Arpaio’s “24-year reign of terror” “medieval in its brutality,” and makes reference to the former Sheriff’s controversial practices, which include the creation of Tent City, the implementation of chain gangs, and forcing prisoners to wear pink underwear. The Times published Cottle’s op-ed after Arpaio was defeated by Martha McSally in the primary race for Jeff Flake's Senate seat.In the complaint, filed with the U.S. District Court for the District of Columbia, Arpaio’s team noted,  “While the Defamatory Article is strategically titled as an opinion piece, it contains several false, defamatory factual assertions concerning Plaintiff Arpaio.”A complaint within the lawsuit states Arpaio plans to run for Senate in 2020. The publication of Cottle's op-ed may prevent a successful run for Arpaio, according to court documents. "Plaintiff Arpaio’s chances and prospects of election to the U.S. Senate in 2020 have been severely harmed by the publication of false and fraudulent facts in the Defamatory Article," the lawsuit notes. "This also harms Plaintiff financially, as his chances of obtaining funding from the Republican establishment and donors for the 2020 election have been damaged by the publication of false and fraudulent representations in the Defamatory Article."Arpaio is seeking 7,500,000 in damages, as well as attorneys’ fees and costs. He is being represented by Larry Klayman, the chairman and general counsel for Freedom Watch, a conservative watchdog group.  2088

FORT LAUDERDALE, Fla. (AP) — The death penalty trial of the man charged with killing 17 people at a Parkland, Florida, high school is off indefinitely because of restrictions related to the coronavirus.Broward Circuit Judge Elizabeth Scherer said Monday in a hearing held remotely that it’s not even clear when the courthouse will reopen to the public. It's been closed since March 16.Nikolas Cruz is charged with fatally shooting 17 people and wounding 17 others at Marjory Stoneman Douglas High School on Valentine’s Day 2018.His lawyers say Cruz would plead guilty in exchange for a life prison sentence, but prosecutors reject that. 644

Former NFL quarterback Johnny Manziel is slated to take his talents north of the border, as Manziel announced on Saturday he has signed a contract with the Hamilton Tiger-Cats of the CFL. Manziel has faced challenges both on and off the football field since winning the 2012 Heisman Trophy. In 2016, Manziel was charged with domestic violence. Those charges were later dismissed. Also in 2016, Manziel was suspended for four games for violating the NFL's substance abuse policy.After an impressive collegiate stint at Texas A&M, Manziel's football career quickly flamed out. Manziel hasn't played professional football since 2015, when he was a member of the Cleveland Browns. Over two seasons, Manziel played in 15 games, and threw seven touchdowns and seven interceptions. "I don't want to wait around any more," Manziel said on Saturday. "I want to get on the field and get in the locker room and get a chance to play ball again. This is the best opportunity for me." Manziel said he is grateful for a second chance at professional football. Manziel is expected not to start at quarterback Hamilton, coach June Jones said. He will compete for the backup job behind former Oregon star Jeremiah Masoli. "Johnny is going to be a competitive player in this league," Jones said. "I feel he'll compete and competition makes everyone better."Manziel said he is ready to move forward and has learned from past missteps. "I have learned a lot from the mistakes. I feel like I wouldn't be where I am today on a personal, on a football level, going back into a locker room, if I didn't go through what I went through," Manziel said. "I am back to a point in my life where I am not taking anything for granted."One name mentioned in Manziel's press conference in Hamilton was Doug Flutie. Both Flutie and Manziel won the Heisman Trophy and went to the CFL after initial struggles in the NFL out of college. Flutie revitalized his career in Canada winning three Grey Cups. When Flutie returned to the NFL, he became a Pro Bowler. While Manziel would like another chance at the NFL, he said he will be with Hamilton for the "long haul."  2253

First and foremost I extend my deepest and most sincere apologies to my Jewish sisters and brothers for the hurtful and divisive words that came out of my mouth during my interview with Richard Griffin.— Nick Cannon (@NickCannon) July 16, 2020 251

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