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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore 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.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

Millions of small, black cerith snails cover one area of Fort De Soto Beach, Florida, stunning wildlife lovers. The shellfish, known as cerith snails, cover nearly the entire length of the beach. Robert Neff snapped several pictures of the bizarre event. “I grew up in Florida and I’ve never seen anything like this. It was amazing to see,” he said.What makes this so odd is Cerith snails don’t typically wash up onto land. They’re usually along the bottom of the ocean in flat reefs or hiding in coral reefs where the temperature is warm. The snails are in an area off the south end of the parking lot at Fort DeSoto’s North beach, which borders the bird sanctuary. Neff said the low tide exposed the snails over the weekend, and many are still at the beach. His photographs, along with video taken by Mark Freels of See Through Adventures, have been widely shared across social media. One former research assistant from the Georgia Sea Turtle Center said it's possible the snails came to the shallow waters because they found food, which was washed up by recent hurricanes, on the beach. Freels said it was a very strange and magnificent sight.“My job is to take people on kayak adventures and you never know what you’ll find. This was very interesting to see,” he said. 1330

MLB and the MLBPA jointly announced on Friday that 31 players tested positive for COVID-19 this week amid the first round of tests as players resume training ahead of this year’s shortened season.Teams began working out this week at ballparks across the US as the coronavirus-shortened season is slated to get underway in three weeks. As part of MLB’s plan to resume, players and support staff will be frequently tested for the virus.But MLB is unique insofar that other major team sports in the US are planning on resuming play in hub cities instead of traveling from city to city. Both the MLS and NBA will play out of Orlando, Florida, while the NHL will resume in the near future at two yet-to-be determined hubs..All told, MLB said it conducted 3,185 samples, with 1.2% coming back positive. In addition to 31 players testing positive, seven staff members also had a positive COVID-19 result.Nineteen of MLB’s 30 teams had at least one player or staff member test positive for the virus 999

Millions of small businesses are fighting off permanent closures, looking for every possible penny to help them stay afloat amid the pandemic. However, there is a little-known CARES Act rule that could net small businesses tens of thousands of dollars in just a few weeks, and it helps keep more people employed.Back in March, when Congress passed the CARES Act, most of the focus for businesses was on the billions of dollars allotted for Paycheck Protection Program (PPP) forgivable loans. Congress also included a temporary tax rule, at the same time, for businesses.“If you had a loss in 2018, 2019, or 2020, any of those years, you could carry it back up to five years to generate refunds,” said Chris Catarino, a CPA with the firm Drucker & Scaccetti in Philadelphia.Catarino explained that under the new rule, businesses can generate a tax refund by applying 2020 losses to taxes paid over the past five years, essentially making the tax burden in past years less, netting them the refund.Losses for 2020, though, can only be filed after Dec 31, 2020. However, the temporary rule also applies to 2019 and 2018. So, if a business had losses over those two years, they could carry back those losses to their respective five-year period and possibly generate a refund.Businesses can start filing for a refund on 2018 and 2019 losses now. Catarino explained they would have to file an amended return or 1045 form.“The 1045 is generally quicker,” said Catarino “The IRS is required to respond and process those within 90 days.”The tax refund, under the temporary net operating loss rule, could mean tens of thousands of much-needed dollars for some businesses. However, Catarino pointed out that the biggest refunds would be for businesses with the largest “swing” from the prior years.For example, take a business that did extremely well in 2019. It likely paid a high tax bill that year. Then, this year, it had a significant loss of business. That business could get most of the money it paid in taxes the year prior, possibly even all the money it paid but nothing more than was paid in taxes. The same principle applies to 2018 and 2019.“The idea that they could recoup some taxes that they already paid in the past, today, could really be significant,” said Todd McCracken with the National Small Business Association. “It could mean the difference between keeping your doors open or not.”Although the temporary tax benefit could save some businesses, there is concern that the businesses that may need it the most may not be aware of it.“It is the smallest companies that don’t know, that tend to deal with their taxes once a year,” said McCracken. "They don’t have an ongoing relationship with a CPA. They go have their taxes prepared in the spring and find out, ‘Wow, I could’ve had this benefit all along.’ Next spring, of course, could be too late.”It could be too late for many businesses, especially if another round of coronavirus-related closures occurs and a second stimulus package isn’t passed soon. 3031

NBA commissioner Adam Silver said Tuesday that he believes that the league's next season won't begin until 2021."We said a week ago or so that the earliest we would start is Christmas of this year," Silver told sportscaster Bob Costas during an appearance on CNN Tuesday. "But the more I'm learning and listening to Dr. Fauci this morning, I continue to believe that we're going to be better off getting into January."The NBA season typically tips off in October, with the NBA Finals culminating in June. However, the current 2019-2020 season was delayed for several months due to the COVID-19 pandemic, and the league is currently is still in the midst of the conference semifinals.In addition, Silver said Tuesday that it's the league's goal to play a standard 82-game season and playoffs in 2021."Further, the goal would be to play games in home arenas in front of fans, but there's still a lot we need to learn in terms of rapid testing, for example. Would that be a means of getting fans into our building? Will there be other protections?" Silver said.Upon restarting its season in July, the NBA opted to hold all games and board all players, coaches and team personnel at the ESPN Wide World of Sports Complex at Disney World. Players and coaches must remain at the resort at all times in order to be eligible to play. Only about two-thirds of teams continued play in the 2020-21 season, and a seeding round was conducted before the standard playoffs began.MLB and the NFL chose to play games in home stadiums with limited or no attendance upon the start of their seasons. Silver says he hopes to learn from those sports before making a final decision on the 2021 season."There's a lot of new information out there in the marketplace that we're looking to absorb. But the goal is to play a standard season," Silver said. 1835

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