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The pandemic has made in-person meetings and events far less common, and that includes job interviews. As more interviews take place virtually, here are some tips to help you interview from the comfort of your own home.Jonathan Nugent, the owner of All-Star Career Services in Cincinnati, Ohio, said try to look at your camera, "not necessarily the person that you're chatting with." By looking at the camera, it makes it seem like you are looking at your interviewer directly.Nugent also said your background and setting aren't as important as things like whether or not the place you are sitting is well lit or has good acoustics so your interviewer can hear you properly. Your posture, and whether or not you are sitting up straight or slouching, is also important, said Nugent.From there, stylist and owner of Sloane Boutique, Ivy Costa, said to think about what kind of position you are applying for and dress accordingly.If the job you've applied for is more corporate, Costa suggests dressing in more neutral tones with a pop of color. For creative positions, subtle patterns and more color works.And while some people might only dress their top half for the interview, Costa said dressing like you're in the same room as the interviewer is the best bet."It fires those engines on mentally that you're there and ready to go," Costa said. "When you have the job and you're comfortable, put your yoga pants back on."Sina Gebre-Ab with WCPO in Cincinnati, Ohio, first reported this story. 1500

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 Polk County (Fla.) Sheriff's Office has arrested a substitute teacher at Westwood Middle School after he reportedly grabbed a 12-year-old boy around the neck and pushed him against a wall. Robert Knight, 39, an employee of Kelly Educational Staffing, has been charged with negligent child abuse without bodily harm. The incident occurred on April 12 at Westwood Middle School in Winter Haven. Deputies responded to a call in reference to a child abuse investigation. A student told deputies he was choked by the P.E. coach, Robert Knight, on Wednesday, April 11. The student told deputies that he and Knight were "smack talking" when Knight took his shirt off and challenged the student to a fight, according to the arrest affidavit. The student said he didn't want to fight a "thirty year old man." Knight then wrapped his hand around the student's neck and pushed him against the wall while other students grabbed Knight's arm and attempted to separate him from the student, according to the affidavit. While he was being interviewed, Knight told deputies "I guess I finally let it get to me," referencing the smack talking with the student. He told deputies he "lost his cool" and doesn't know if he blacked out during the incident but that all he remembers were the kids pulling him off of the student. Knight is not employed by the Polk County School Board, but is employed by Kelly Educational Staffing as a substitute teacher. He was filling in for the male P.E. coach on Wednesday, April 11. Knight was taken into custody and transported to the Polk County Jail without incident."We expect much better conduct from a substitute school teacher. We compliment the school district staff who worked hand-in-hand with us to hold Mr. Knight accountable for his conduct" said Polk County Sheriff Grady Judd. 1855

The Minnesota Police and Peace Officers Association broke its silence on Tuesday, saying it wants to set the record straight amid calls to disband the city’s police department.In a lengthy statement with comments from a number of members of Minneapolis’ police department, officers placed blame on the unrest on local politicians.“Crime won’t be wished away, and we can’t simply abolish or defund police departments. Politicians who suggest this aren’t serious about solving problems in their community,” said Rich Walker, officer and director of the Minneapolis Police Federation.Earlier this month, members of the Minneapolis City Council voted to disband the city’s police department. The vote came after the death of George Floyd while in custody of officers, which prompted massive unrest in the city.Councilmember Steve Fletcher said in a Twitter post that it’s time to “declare policing as we know it a thing of the past.”“Our city needs a public safety capacity that doesn’t fear our residents,” Fletcher said. “That doesn’t need a gun at a community meeting. That considers itself part of our community. That doesn’t resort quickly to pepper spray when people are understandably angry. That doesn’t murder black men.”The police union said it takes issue with how officers are being portrayed by politicians.“The only way we can begin the work to rebuild relationships and strengthen communities is if politicians stop characterizing law enforcement as violent racists and demonizing the police,” Sherral Schmidt, sergeant and vice president of the Minneapolis Police Federation, said. “There is a great deal of work toward building a safer Minneapolis, but it cannot happen until politicians stop pointing fingers and bring us all together to move us forward.”Minneapolis Mayor Jacob Frey, who opposes disbanding the department, said he takes issue with how the union can appeal terminations of officers through arbitration.“What's more disappointing is that the most essential change (the Minnesota legislature) could have made — preventing arbitrators from reinstating police officers who engage in egregious misconduct — was never considered,” Frey said this week.The police union said that the arbitration is something that the city and its officers agreed to as part of a standard practice for public employees.“The system of workplace justice – which is closely akin to our criminal justice system in many respects – requires that all public employees, even police officers, have the opportunity to contest discipline before a neutral third-party” said Schmidt.To read the full statement, click here. 2623

The holiday season started early for fans of "Wonder Woman." On Wednesday, "Wonder Woman 1984" director Patty Jenkins announced on her Twitter account that the movie would be released on HBO Max and at U.S. theaters.The film will debut on Dec. 25, HBO Max said in a tweet. 280

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