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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 no-frills grocery chain Aldi is shedding its dowdy image as it goes a bit more upscale to compete with Whole Foods, Kroger, Publix, Safeway, and other chains.The German grocer plans to spend more than billion remodeling 1,300 US stores and adding hundreds of new ones, as it aims to become the nation's third-largest grocer.But is it staying true to its roots as a deep-discount grocery store? And does it still have the huge price advantage?Stores going upscaleWhen the doors open at the newly redesigned stores, shoppers told us they were not disappointed. Inside the new stores, they found a more upscale look: new signage, and lots more fresh produce in the enlarged store.Karen McKenzie said she and her baby girl loved it."They have much lower prices than the grocery store," she said, "especially when you are struggling to feed a family, and you've got to save wherever you can."Taking on Whole FoodsTen years ago, Aldi was just another bare-bones discount grocery store, with a limited selection of fresh fare.But now it's made a huge move into produce, especially organics, and the chain says its prices will rival anyone."We have a better product offering and expanded product range, and it's a much cleaner and nicer environment," regional manager Ryan Harmon said.What about prices, which is really the main reason shoppers visit Aldi?We compared Aldi's organic and conventional produce with Whole Foods', and found Aldi's price advantages haven't changed. 1504

The Mega Millions jackpot grew to 1 million for Friday’s lottery drawing, making it the fourth largest Mega Millions lottery jackpot in history.No tickets matched all six numbers drawn in Tuesday night's drawing. The cash value of the jackpot is 1 million.Tickets are each. See official rules HERE.The winning numbers in the March 27 drawing were 7, 25, 43, 56, 59 with 13 as the Mega Ball. Three tickets sold in Florida matched four numbers and the Mega Ball and are worth ,000 each.The Friday prize is the largest Mega Millions jackpot since July 8, 2016, when one winning ticket sold Cambridge City, Indiana won a 6 million jackpot. 658

The Museum of the Bible in Washington, DC says five of its most valuable artifacts — all thought to be part of the historic Dead Sea Scrolls — are fake and will not be displayed anymore.German-based scholars tested the fragments and found that five "show characteristics inconsistent with ancient origin and therefore will no longer be displayed at the museum.""Though we had hoped the testing would render different results, this is an opportunity to educate the public on the importance of verifying the authenticity of rare biblical artifacts, the elaborate testing process undertaken and our commitment to transparency," said Jeffrey Kloha, the chief curatorial officer for Museum of the Bible."As an educational institution entrusted with cultural heritage, the museum upholds and adheres to all museum and ethical guidelines on collection care, research and display."But some scholars had questioned the fragments in the collection even before the museum opened with splashy ceremonies last November. Others believe they are all fake.Steve Green, the museum's founder and chairman, won't say how much his family spent for the 16 fragments in its collection. But other evangelicals, including a Baptist seminary in Texas and an evangelical college in California, have paid millions to purchase similar pieces of the Dead Sea Scrolls.In April 2017, Bible Museum sent five fragments to the Bundesanstalt für Materialforschung und-prüfung (BAM) a German institute for analyzing materials, where scholars tested for 3D digital microscopy and conducted material analyses of the ink and sediment on the papyrus. (Scholars have theorized that forgers use old scraps of papyrus or leather, to make fraud detection more difficult.)Their report, which the Bible Museum said they recently received, "further raises suspicions about the authenticity of all five fragments." 1874

The organization that manages presidential debates says there will be changes made “to ensure a more orderly discussion of the issues” at future debates this season.The Commission on Presidential Debates released a statement Wednesday following the first presidential debate held in Cleveland.The debate has been called “chaotic” and hard to follow. Trump’s frequent interruptions of the Democratic presidential nominee defined Tuesday night’s debate, with Biden frequently unable to complete a sentence.The commission makes it clear the debates are “for the benefit of the American electorate,” and they “will be carefully considering the changes that it will adopt and will announce those measures shortly.”Moderator Chris Wallace of Fox News pleaded with Trump several times to allow Biden to speak uninterrupted, to no avail.In their statement, the commission thanked Wallace, saying they are “grateful to Chris Wallace for the professionalism and skill he brought to last night’s debate.” 1001