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Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

ASHEVILLE, N.C. – A North Carolina city council unanimously approved a reparations resolution for its Black residents Tuesday.The Asheville City Council voted 7-0 to approve the resolution that formally apologizes for the city’s participation and enforcement of slavery. It also offers an apology for carrying out an urban renewal program that destroyed multiple, successful Black communities.While the resolution provides reparations to the city’s Black residents, it does not mandate direct payments. Instead, the legislation calls for investments in areas where Black citizens face disparities.The resolution, obtained by the Asheville Citizen Times and WHNS, calls for “forming policy and programs that will establish the creation of generational wealth and address reparations due in the black community…” It also encourages state and federal leaders to do the same.The resolution says the resulting budgetary and programmatic priorities may include, “increasing minority home ownership and access to other affordable housing, increasing minority business ownership and career opportunities, strategies to grow equity and generational wealth, closing the gaps in health care, education, employment and pay, neighborhood safety and fairness within criminal justice.”Councilman Keith Young, who spearheaded the initiative, told ABC News that the council was looking to “embed systemic resolutions.” As for a timeline, he said the council "will have some steps to report on within six months and every six months after that.” He added that the work does not end, and it will be adaptive.The Black community makes up about 12% of the city of Asheville, while 83% of residents are white, according to census data. 1721

BALTIMORE — It's not just the news of a Free Little Library being vandalized that is turning heads in a Baltimore community. The narration of the crime itself is worth its weight in laughter."I thought it was hilarious when I sped it up and cut it," said Jacqui Cummings. "I said to myself, 'you don't need to fight over it, just make a joke of it.'"The initial vandalism happened on November 7th around 8 p.m. outside Notre Maison Connects. The non-profit focuses on empowering youth while supporting families and strengthening communities.Cummings is the founder of the organization. She said when she first saw the damage, she shed a tear."I did because I do a lot of work myself," she said.Cummings is no stranger to hands-on-work. Not only did she do metal-work to create the Free Little Library, she's experienced in hard labor, helping build day-care centers in other countries."I love giving back and educating," she said.In light of the vandalism Cummings launched a community book drive. So far more than 200 books have been donated."Some are children’s level books and some adult books," said Cummings " There are different books for all levels and I like that variety."This story originally reported by Dave Detling on WMAR2News.com. 1254

As schools start re-opening around the country, daycare and early childhood education centers are opening too.A question on the mind of parents is, "Should you send your toddler or preschooler back?"Like every other working mom, Danielle Green admits it's challenging. She basically has two jobs. Her career as a scientist, and her around-the-clock job of mom to 2-year-old Corey and 6-month-old Dylan keeps her busy.“Having children is a full-time job in itself so it turns more into a full-time job watching kids during the day and then doing the work during nap and evening,” Green said.It’s is not only exhausting, but she says, it's 100 percent, not realistic.“It adds a lot of stress for parents,” Green said. “For me, it added a lot of stress because we want to dedicate as much time as we can to our kids and so I took the path to dedicating everything to my kids and doing the work while the kids were sleeping.”So, when her daycare opened back up, Green and her husband talked and decided it was time.“There’s uncertainty in sending a child to daycare during a pandemic, but if we’re being realistic, eventually our kids are going to have to go back to school, so the question becomes at what point do we re-enroll them,” Green said.It's a topic that parents all around the country are discussing, because we all know it’s hard to do both. Parenting expert Gigi Schweikert said give up the dream of doing it all because no one can.“What I know as a working parent of four is that you can’t give your work 100% and you can’t give your children 100% so having your children in childcare gives them the opportunity to have the education socialization and guidance they need while you as a working parent can have that individualized concentrated time to give work your full attention,”Schweikert said.But to send your children back during a pandemic isn't easy. You have to do quite a bit of homework, make sure no one is allowed in the center aside from your child and staff members, and review all the protective measures for your county and state.Things like temperature checks, masks and face shields are being required at some daycares. Experts suggest inquiring about ventilation and cleanliness. And get parent referrals. A lot of them.“What really is important is trust. You’re going to need to check off all the boxes of making sure people are cleaning, making sure air is really good. Instinctually once you make that checklist, you have to say as a parent, 'Do I trust these people with my most important thing which is my child,'” Schweikert said.There are some things that might be missing because of COVID-19, like parent and teacher visits. Some facilities like Lightbridge Academy are now reliant on electronics and in-center cameras.Green said she's confident in her decision. Her boys are happy and healthy every day, and she feels confident that she's successfully managing her career.“It makes me feel good to know that the daycare is actually practicing the appropriate safety precautions and wearing the appropriate protective equipment, take temperatures it is an added measure,” Green said. 3130

Authorities in Costa Rica say that a body has been found on the Airbnb property where missing Florida woman, 36-year-old Carla Stefaniak, was staying.Costa Rica's Judicial Investigation Agency (OIJ) tells WFTS that the body was buried in a mountainous area located in the back of the property, less than 200 feet away from where Stefaniak had been staying. OIJ agents had been searching the area with specialized dogs. At this time, authorities have not been able to confirm that the body is Stefaniak.In Spanish, Walter Espinoza, the director general of the OIJ said, “the body was in a state of decomposition but the preliminary observation does verify the body is a woman.”In a press conference on Monday, Espinoza said that biological fluids consistent with blood were discovered inside the Airbnb property. The blood has been sent to labs for testing.The body cannot be positively identified by officials until an autopsy is performed.Stefaniak hasn't been seen or heard from since Tuesday, November 27. She traveled to Costa Rica with her sister-in-law, April Burton, on November 22 to celebrate her birthday. Burton flew back on November 27. Stefaniak had plans to return to the United States on November 28, bound for Florida, but never arrived for her flight. She checked into her Airbnb, located at Calle Hoja Blanca in San Antonio de Escazú, for one night on November 27. According to Burton, the last thing they knew about Stefaniak was that she was inside that Airbnb on the night of November 27. The last time Burton spoke to Stefaniak, she told her that it was raining crazy and the power went out. She continued with, "it's pretty sketchy here," according to Burton.The final photograph Stefaniak sent family members was from inside the Airbnb. Family members shared the image with WFTS, seen below.</p><p>"The guards (at the apartment complex that housed the Airbnb) told us that she left at 5 in the morning with all of her bags and got into an Uber. She wouldn’t do that, her flight was at 1:30 p.m. She’s never been early for anything in her life she wouldn’t leave to go to the airport at 5:30 a.m.," Burton said.The Airbnb listing for "Villa Buena Vista" has since been removed from Airbnb's website.WFTS spoke to Airbnb officials, who say they have reached out to Carla's family as well as the FBI, OIJ and the local embassy.Stefaniak's brother flew down to Costa Rica on Friday to search for his sister. Her father flew down to Costa Rica on Monday afternoon.This is a developing news story and will be updated as more information becomes available. 2718

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