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The Presidential Inaugural Committee, which consists of prominent Democrats helping to organize next month’s inauguration, are encouraging Americans to stay away from DC and watch the inauguration from home.The quadrennial inauguration of a president and vice president is typically attended by hundreds of thousands. The committee says in light of the pandemic, a large gathering should be avoided.While the committee said details will be released in the coming days, inauguration organizers said that the ceremony’s footprint will be extremely limited."Our goal is to create an inauguration that keeps people safe, honors the grand traditions of the Presidency, and showcases the Biden-Harris Administration’s renewed American vision for an inclusive, equitable, and unified citizenry,” said PIC CEO Tony Allen in a statement.While the organizers did not say the inauguration parade would be canceled, organizers said it would be “re-imagined.”Earlier this month, President-elect Joe Biden said he envisioned an inauguration akin to the virtual Democratic National Convention, which was held in August."First and foremost in my objective is to keep America safe but still allow people to celebrate," Biden said. "To celebrate and see one another celebrating."Other Inauguration Day events, such as the signing ceremony and luncheon the new president has with congressional leaders, are still unknown. As of now, the Joint Congressional Committee on Inaugural Ceremonies is unaware of any restrictions related to the pandemic. Those wishing to get a spot to view Biden’s inauguration can still request tickets to the event through their member of Congress.Another sign that the pomp and circumstance of this year’s inauguration will look different is this could be the first time in US history that a presidential inauguration fails to result in a smooth transfer of power. Outgoing President Donald Trump has continued to allege the election was stolen from him despite dozens of failed lawsuits and no formal prosecutions of widespread fraud.It has been a long-standing tradition that the incoming and outgoing president meet at the White House and travel to the Capitol together before the inauguration.On Monday, Biden issued his strongest condemnation of Trump’s refusal to concede the election."It is my sincere hope we never again see anyone subjected to the kind of threats and abuse we saw in this election. It's simply unconscionable. We owe these public servants a debt of gratitude. They didn't seek the spotlight, you know, and our democracy survived because of them,” Biden said. 2602

The Netflix series "13 Reasons Why" increased the suicide risk of suicidal teens treated in a psychiatric emergency department, according to a University of Michigan study.Upon release, the show received backlash for its depiction of suicide, as some critics said it glorified those who took their own lives. In addition, another study showed that the show was tied to a rise in online searches about suicide.“This show has been a real phenomenon, especially among teenagers,” Victor Hong, M.D., medical director of psychiatric emergency services at Michigan Medicine, said in a release. “Its depiction of teen suicide has raised great concern among parents, health providers and educators.” Half of the 87 youths, mostly teens ages 13 to 17, who participated in the survey between 2017 and 2018 had watched at least one episode of the show. Among the 43 who watched it, about half said it heightened their suicide risk.“Our study doesn’t confirm that the show is increasing suicide risk, but it confirms that we should definitely be concerned about its impact on impressionable and vulnerable youth,” Hong said.According to the study, very few parents of those in the sample had watched the series themselves and some were not even aware that their child had watched it. “The data from our sample of teens demonstrated that kids who were at high risk of suicide did not reach out to adults,” Hong said. “They mostly watched the show alone or talked to friends, but they weren’t talking to parents, teachers or school counselors.For more information on the study, click here. 1613

The photographer whose photo of an engagement in Yosemite National Park sparked a viral manhunt, says he's found the mystery couple.Matthew Dippel was getting ready to take a picture of a friend at Yosemite's Taft Point earlier this month, when he saw a man get on one knee to propose to a woman.He didn't see any other photographers around, so he snapped a picture of the moment to give to the couple.Dippel ran over to find them, but they were gone by the time he got there."I must have just ran right past their friends that they had up there with them," he said.Dippel was in the middle of a road trip, but he posted the photo on social media when he got home to Grand Rapids, Michigan on October 17.The posts were shared thousands of times by people all over the world.Charlie Bear told HLN that he and his now-fiance Melissa stumbled on the post on Instagram last week."At first, I wasn't really sure it was us to be honest," Bear said. But they compared Dippel's photo with pictures they had taken to make sure.Dippel was a little skeptical, at first, because he'd gotten tons of messages from people claiming to be the couple, so he asked them to prove it."They sent me over iPhone screen shots of some of their friends that were up on that point that day, and they are wearing the exact same thing, and the photos are timestamped on the exact same day and the same time that I was there," Dippel said. "It just perfectly matched up to Charlie and Melissa."Dippel said he's still working out the details to get them a print of the photo.Bear said that it was actually their second proposal. He'd asked in February, but wanted to something personal, that would be memorable for them.Mission accomplished."Even though this was the second time around I was just as nervous as the first time, and I was even more nervous being high up on the cliff," Bear said. "I have a fear of heights, and I kind of overcame that for her."They're now planning an April wedding in Malibu, California. 2017

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

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

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