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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 we all prepare for a drastically different school year, parents are trying to figure out how to balance their work and virtual learning for their children as many districts across the country announce students will have at least a portion of their instruction at home.Uma Samynathan, owner and director of a Code Ninjas franchise in San Diego, showed her facility that includes a "Game Builders Club.”“We teach them how to build their own world rather than have them play a customized world on a tablet,” Samynathan said.She says her franchise was the first on the west coast. Two years in, she's encouraged and inspired by how fast kids learn.“What I love most is connecting with the kids and getting excited about the way they learn,” Samynathan said. “They are so unique, each one of them. If they (watched) a YouTube channel last night, they can tell me what was so interesting about the channel immediately. They’ll go to the rowlocks camera and start implanting that same thing."They've been doing virtual learning all summer, and they're about to do it a lot more. This time around though, many franchises like Samynathan's are offering parents a helping hand by providing assistance with a student's distance learning and provide some coding fun on the side."We can offer a STEM-based learning where they can learn coding, robotics, and they can do academics, homework,” Samynathan said. “If they’re going to cover a subject at school, we do it prior so they have a better understanding in doing that particular subject.”Some Code Ninja centers, like the one in Los Alamitos, California, sent out a survey to parents. They're taking about hiring an elementary school teacher to help proctor the learning so parents can work and kids can stay on task in their classroom while learning online. It's something that Nina Foster, mom to an 11-year-old in San Diego, is considering.“Preston is anxious to do more things on the outside again we may go back to doing one hour in the studio one at home, something like that,” Foster said.So far, Preston has kept up his coding skills through the center's virtual program and he's excelled.“He’s almost through the program,” Foster said. “He’s on the purple level -- it goes up to black just like karate. Once you get to the black level, you create your own app. From there, they’re joking that he could become a junior sensei until he’s old enough to work there.”Samynathan says Code Ninjas helps develop that out-of-the-box thinking."This is the best time for kids to get equipped with coding technological skills, they always want their tablet, they’re always playing games. Why not get creative why not learn to code on their favorite game?” she said.And what better time than now to help kids embrace the skills they'll need to propel them into a digital future? 2826

As screen time becomes a bigger part of students’ lives, preserving their vision is something to keep an eye on.Dr. Lauren Schneider, an ophthalmologist who has been treating patients in New York and Connecticut for six years warned screen time can cause a number of symptoms, including squinting and eye-crossing.“We do know that prolonged near work can place some children at risk for progressive myopia, which is worsening nearsightedness,” Dr. Schneider said.Doctors say tips on preserving your kids' vision during remote learning include making sure they keep a safe distance from their devices — at least 15 inches away from the screen is recommended — having them take screen breaks every 20 minutes and investing in a blue light blocker, which can be put on devices or glasses.“Some of our data suggests blue light emitted from our electronic devices may potentially be harmful long term to the center of the retina,” said Schneider Sunday.As school districts in the tri-state area continue to reopen this fall with full remote or hybrid learning models that include screen-based instruction, eye protection is another safety measure doctors say parents should have their sights on.“We want to make sure that while our students are hard at work which is going to require a lot of time in front of the computer that we’re avoiding unnecessary eye strain," Schneider said.According to medical experts, the full long term impacts on the eyes from remote learning are still being looked at, regular eye exams are highly recommended.For more tips and resources:www.visiontolearn.orgwww.childrenseyefoundation.orgwww.kidshealth.orgThis story was first reported by Jennifer Bisram at PIX11 in New York City, New York. 1726

AURORA, Colo. — Police detained and handcuffed a Black mother and four children after mistaking their SUV for a stolen motorcycle from another state.It happened in the parking lot of a shopping center off of Buckley Road and East Iliff Ave. Sunday morning."Why are you now placing these children on the ground face into the concrete? It's hot! In front of all of us? Screaming at them. They are telling you they are hurt," witness Jenni Wurtz said.Wurtz recorded the incident along with several other witnesses.She says a police car slowly pulled behind the family. The officer drew their weapon on the family and ordered them out of the car. Several of the children were handcuffed."That makes me very mad because I am not anti-police. I'm anti- what happened yesterday, and that was ridiculous," Wurtz said.The car the family was driving was not stolen. Police used a license plate scanner to gather information on vehicles in the area. They should have been looking for a motorcycle with the same plate from another state.Interim Aurora Police Chief Vanessa Wilson blamed the license plate reader, but could not explain why the dozens of officers who responded did not confirm the vehicle description."I totally understand that anger, and don't want to diminish that anger, but I will say it wasn't a profiling incident. It was a hit that came through the system, and they have a picture of the vehicle the officers saw," Wilson said, defending her officers' actions.After officers realized the mistake, the family was uncuffed, but more officers continued to arrive. Video shows more than a dozen officers standing around the traumatized family."I do not think a stolen vehicle is worth traumatizing the lives of children. On top of that, I was 20-feet away with a drawn gun. They didn't even tell me to move, secure the scene. They didn't do anything," Wurtz said.Wurtz filed a complaint with internal affairs. She believes the police department's policy needs to change.By Monday evening, an internal investigation was underway following the incident, according to Wilson. She released the following statement on Monday."We first want to offer our apologies to the family involved in the traumatic incident involving a police stop of their vehicle yesterday. We have been training our officers that when they contact a suspected stolen car, they should do what is called a high-risk stop. This involves drawing their weapons and ordering all occupants to exit the car and lie prone on the ground. But we must allow our officers to have discretion and to deviate from this process when different scenarios present themselves. I have already directed my team to look at new practices and training. I have called the family to apologize and to offer any help we can provide, especially for the children who may have been traumatized by yesterday's events. I have reached out to our victim advocates so we can offer age-appropriate therapy that the city will cover."Sunday's incident comes as the Aurora Police Department faces continued criticism over its handling of the death of Elijah McClain. McClain died in police custody in 2019, but the case has garnered nationwide attention amid widespread protests in favor of police reform.This story was originally published by Jessica Porter on KMGH in Denver. 3318

As of Monday morning, more than 11 million people in the U.S. are confirmed to have contracted COVID-19 since the start of the pandemic, a database kept by Johns Hopkins University.That means about 1 million Americans have been diagnosed with the virus in the last seven days. The U.S. passed the 10 million case threshold on Nov. 9.COVID-19 has been spreading at a frightening pace within the U.S. in the month of November. For the past 13 days, at least 100,000 Americans have been diagnosed with the virus each day, a stretch that includes seven days that set records in the number of new daily cases.The spike in cases has also led to an increase in hospitalizations across the country. According to the COVID Tracking Project, about 70,000 Americans are currently hospitalized with COVID-19 complications, the most since the pandemic began.Several Midwest states like Iowa and South Dakota have reported that their hospitals are near capacity as they fill up with COVID-19 patients.The U.S. has also seen an uptick in deaths linked to the virus in the past month, though according to the COVID Tracking Project, death rates remain below where they were during case spikes in the spring and summer. Since Oct. 17, deaths per day linked to the virus have nearly doubled from about 700 a day to about 1,300 a day.Since the pandemic began, more than 246,000 people in America have died of complications from COVID-19 — the most of any country around the world. 1469