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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

NASA and SpaceX are preparing for a historic launch Sunday and a Cal Poly graduate will be at the controls in the cockpit. Victor Glover will pilot the NASA SpaceX Crew 1 mission to the International Space Station. The Southern California native and 1999 Cal Poly engineering graduate often sought advice during college, and still does today, from his professor and academic advisor Dr. Dan Walsh. "Victor was very intelligent. Victor understood that the best long term plan is a series of very excellent short term plans," Dr. Walsh told KSBY. "My goodness, where he is now sort of speaks for itself." Glover came to Cal Poly in 1994 on a wrestling scholarship. During his junior year, he was a walk-on for the Cal Poly football team and says athletics has always played a key role in his life. After graduating from Cal Poly, Glover joined the Navy and became a pilot. He is an active-duty Navy aviator with 22 years of service. 940

Motherhood is more than a full-time job. In fact, on average mothers work 58 hours over the standard full-time job, and they don't even get paid overtime.A study found that a working mom clocks in 98 hours, making it equivalent to working 2.5 full-time jobs.Welch's conducted a study of 2,000 American mothers with kids between 5 and 12-years-old. On average, a mother starts her day at 6:23 a.m. and doesn't conclude duties until 8:31 p.m, working a 14-hour day, seven days a week.According to Working Mother, moms only average about an hour and seven minutes to herself a day, spending the rest of the day doing things for others. Forty percent of moms feel that their life is never-ending, considering a week has only 168 hours and they're working 98 of those hours.Luckily, moms have things to help them get through their long days: Wet wipes, kids' TV shows, tablets, drive-thru meals. Additionally, grandparents and babysitters made the list and of course, wine and coffee."Busy moms may identify with the list of ‘lifesavers,' which highlights not just a rigorous workload but a constant requirement to feed and fuel the family, week in and week out,” said Casey Lewis, MS, RD, and Health & Nutrition Lead at Welches.  1252

MILWAUKEE, Wisconsin — Kathleen Zellner, the attorney for the man who was the focus of the documentary series "Making a Murderer," Steven Avery, said she will present new information in her client's case later today.Zellner said the announcement would be made at 12:30 p.m. local time Thursday: 312

NATIONAL CITY, Calif. (KGTV) -- An organization in the South Bay is using dance to educate others about the Filipino culture. PASACAT, which is based in National City, is a Philippine Performing Arts Company and educational center. Anamaria Cabato is the current executive director. For her, it is a family passion. Her parents founded the organization nearly 50 years ago. Over the years, she has had nearly a dozen family members involved in the dance troupe. “It brings me to tears,” Cabato told 10News. “This is a family in itself and to have your own members of your family [involved] is just icing on the cake.” Lupe Macario is Anamaria’s sister and the grandmother of a couple of the current dancers. “We’re just delighted that they take up and embrace the culture,” Macario said. Her granddaughter, Gabby Macario, is now performing the same dances she used to perform in the 1970s.Gabby Macario, like many of the young dancers in PASACAT, was born in the United States. She said learning traditional Filipino dances is something she loves. She’s been dancing since she was five-years-old. “It’s really fun because I like learning all the dances,” Gabby said. 10News asked what would tell others who have never seen this type of dancing.“I would first tell them to try to see what we do and introduce them to what we do,” the 10-year-old said. PASACAT has had its share of setbacks, including major damage to the studio during a storm in December. The storm damaged the roof, the floor, and ruined many traditional dance costumes. They continue to raise funds for the organization through a GoFundMe page. Still, Cabato said they persevere for a bigger cause. “There’s a lack of understanding and if we appreciate all cultures of the world because this opens the doors to other people, and to understand them. You find that there’s similarities and if you find those similarities, then there’s no reason to have differences,” Cabato said. 1954

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