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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

As part of regular protocols, Secretary @stevenmnuchin1 has been tested daily for COVID-19. He tested negative for COVID-19 this morning and will continue to be tested daily.— Monica Crowley (@TreasurySpox) October 2, 2020 230

AURORA, Colo. — Three Aurora Police Department officers who were fired last week over their involvement in taking a picture in front of the memorial for Elijah McClain while mocking the chokehold officers used on him before his death, then sending it in a group text, have appealed their dismissals.Officers Erica Marrero and Kyle Dittrich both submitted their appeals on Wednesday, Aurora spokesperson Michael Bryant said. The Aurora Civil Service Commission will next schedule hearing dates within 15 to 30 days, though those hearings could be pushed back if extensions are filed.Marrero and Dittrich were two of the three officers pictured in the photos taken last October. A third officer in the photos, Jaron Jones, resigned last week before he could be fired.And on Thursday evening, Bryant confirmed that a fourth officer involved in a group text in which the photos were sent, Jason Rosenblatt, who was also fired because he responded "ha ha" to the photos, had filed an appeal over his termination.The fired officers had 10 days to file an appeal from last Friday.“It is my prerogative," Aurora’s Interim Police Chief Vanessa Wilson said in announcing last week the terminations. "And the public outcry and demand for justice for Elijah — they don't deserve to wear a badge anymore. I accelerated [the discipline process], and I was able to do that legally and I felt it was the right thing for this community."The photos were taken on Oct. 20, 2019, nearly two months after McClain's violent encounter with police. Dittrich, Marrero and Jones were on duty and had completed a service call in the area where McClain was detained in August.The three officers posed for a selfie, with Dittrich taking the photo and Jones putting his arm around Dittrich's neck, according to department investigative documents released Friday.Dittrich then texted the photo to two officers, Rosenblatt and Nathan Woodyard, who was also involved in the original McClain incident.Woodyard did not respond and deleted the photo, Wilson said. Woodyard was not disciplined in the incident.Rosenblatt responded, "ha ha," according to the investigation.McClain, 23, was unarmed when he was encountered by Aurora police on Aug. 24, 2019. Police put McClain in a carotid hold, which limits blood flow to the brain, after stopping him while he was walking home. When he became unresponsive, paramedics gave him ketamine, police have said.McClain had a heart attack and died six days later.The officers involved in McClain's death were not arrested or charged, despite continued calls for justice from McClain's family and supporters.In June, as McClain's death garnered national interest, Gov. Jared Polis appointed Attorney General Phil Weiser to investigate the officers' actions.The Aurora City Council is working on putting together a panel of candidates for an independent investigation of the city’s own.This story was originally published by Blair Miller on KMGH in Denver. 2967

As the FBI and US law enforcement agencies turn to the catching the serial mailbomber, or mailbombers, terrorizing those who have been labeled by President Donald Trump as political enemies, it's interesting to follow in their steps and examine what we know about the now 12 packages that have been intercepted.All those we have seen were all in manila envelopes, for instance, with the same return address. They all had six forever stamps, which was enough to get some to mail sorting facilities, but another needed more postage. They all had the same return address, with a misspelled name for Debbie Wasserman "Shultz," not Schultz, a Democratic congresswoman from Florida who is the former chairwoman of the Democratic National Committee.There are images of five of the packages, one of which -- one of the packages sent to Democratic Rep. Maxine Waters of California -- was shared by both DC Police and the FBI on social media.Related: The manhunt - FBI treating serial bomber as domestic terrorism  1017

ASHLAND, Ore. -- In the Rogue Valley of southern Oregon, you’ll find rows upon rows of vineyards. Rob Folin is the winemaker at Belle Fiore in Ashland.Although the grapes are different, the dry climate is similar to Napa Valley, making it very ideal conditions for wine-making. However, just like other crops, the weather can have a huge impact on wine grapes. As a winemaker, Folin says he needs to know what his vineyards are facing and how to handle what Mother Nature throws at him.“Rain, snow, frost, smoke, fire, we’ve got it all,” Folin said.In the summertime, it can be clear one day and smoky the next.“Right during harvest or right before is when it’s the worst time to have smoke – which would be right now,” Folin said.Harvest season in southern Oregon typically starts in mid-September and goes until mid-October. Folin says one of the stressors for a winemaker is smoke taint. That’s when smoke gets trapped in the skin of the grapes giving them a campfire aroma and ashy texture. It’s a flavor very few people enjoy.“If your vineyard had a fire right next to it and you just had solid smoke coming in there, then you can really have this barbecue or campfire kind of aroma,” Folin said.Unless you send your grapes in somewhere to get tested, Folin says there’s no way to know your grapes have smoke taint until they go through fermentation. He says whether a grape is impacted or not depends on a lot of factors, and it’s very unpredictable.“Our vineyard here could be totally fine, and the one across the street, their resulting wines could be smoky, like it’s just how the wind goes, the intensity of the smoke, how long it was there, how close it was, did it settle overnight.”When it comes down to it, there’s only so much you can control. As of right now, not much can be done to prevent smoke taint, and smoky summers in the western U.S. seems to be the norm lately.Folin says winemakers that face a lot of smoke taint can make more white wines since white wines are fermented without the grape skin. Or they can market their wines to consumers as a smoky wine for those that like the taste. At the end of the day, Folin says winemakers have to go with the flow.“Just roll with it," Folin said. "Ya know, fix what you can. If you can’t do anything about it, what can you do? Do what you can do and move forward.”With the exception of one fire near the vineyard in the past month, Folin says it’s been a very great year for his vineyard. He’s hopeful something good can come out of 2020 after all.“With all the stuff that’s going on, maybe we’ll have the best grapes this year. I don’t know. Just going to count on that.” 2649