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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

The national coin shortage has been an unusual side effect of the pandemic. Among its victims? Retailers, laundromats and even the tooth fairy.The Federal Reserve announced in June that the supply system for coins had been severely disrupted by the pandemic.A convenience store chain is offering a free beverage or sandwich in exchange for them. A laundromat owner drove 4 hours to get ,000 worth. The shortage is even being felt by the young.Take Jen Vicker, of Bollingbrook, Ill. Her 10-year old daughter woke up with a loose tooth recently and worried the tooth fairy wouldn’t be able to pay because of the shortage, unaware her parents had a stash of coins set aside.So she wrote a note: “Dear tooth fairy, you may already know this but there is a national coin shortage in America. You usually leave me dollar coins, but until this situation is resolved, I would like cash for my teeth. I apologize for the inconvenience.”There is a shortage of coins across the U.S., yet another odd side effect of the coronavirus pandemic. Coins aren’t circulating as freely as they usually do because many businesses have been closed and people aren't out spending as much. The U.S. Mint and Treasury Secretary Mnuchin have urged Americans to use coins or turn them in to banks. 1279

The holiday season is upon us and that means Black Friday is less than a month away. While many retail experts are saying Black Friday is dead, we found that might not ring true for most shoppers.Janice Lieberman is a retail expert for Deal News and she says, “even though you will start seeing deals now they will get even lower.”Retailers are excited to get you in the holiday spirit and have you shopping in stores, not online.  Lieberman says, “they want those door busters. They want the fever. They want you to enjoy shopping, seeing other people and touching merchandise which is becoming so foreign.”However, this year a number of retailers including Home Depot, Ikea and Office Depot will remain closed on Nov. 24 and REI is even closing its stores on Black Friday.But, for the thousands of stores that will be keeping their doors open, Lieberman says, we need to get prepared before the big shopping day.“You need to get onto social media. You need to sign up with all the stores you enjoy shopping at because they will give their loyal members added deals or select deals.”If you are not about social media or even couponing, try signing up online at places like Deal News. You click on the items you want and they will send you an alert letting you know who has the lowest price.Lieberman says, “I really think if you can hold off now I know it’s not so easy but if you can hold off to Thanksgiving weekend, the day before, the day after, even Cyber Monday that’s when you’re going to see the lowest prices.”Thanksgiving Day will have the best deals for any item. Black Friday is the day to shop for electronics, toys and clothing. Cyber Monday you’ll find the lowest prices on computers, kitchenware and shoes.If you really want to save big on Black Friday, Lieberman suggests you create a list of all the items you plan to buy. If not, expect to pay more by simply purchasing items that you didn’t need. 1955

The man accused of pursuing and killing 20-year-old Mollie Tibbetts had worked four years at an Iowa dairy farm based on false identification, his employer said Wednesday."What we learned in the last 24 hours is that our employee was not who he said he was," said Dane Lang, the co-owner and manager of Yarrabee Farms.That revelation came about an hour after the employee, Cristhian Bahena Rivera, was arraigned on a first-degree murder charge for the killing of Tibbetts. His bond was set at million and his next court hearing is scheduled for August 31.Tibbetts went missing last month after going out for an evening run in Brooklyn, Iowa, and her disappearance launched an extensive search in the region.On Tuesday, Rivera -- who confessed to following her as she ran on a country road -- led authorities to the field where a body believed to be hers was buried under corn stalks, officials said. 910

The lawyer for one of the women suing President Donald Trump for defamation is seeking recordings of "The Apprentice" from Metro-Goldwyn-Mayer.Former "Apprentice" contestant Summer Zervos filed a lawsuit against Trump in January 2017, in which she alleged that Trump defamed her in 2016 after she said he sexually assaulted her in 2007.Her lawyer, Mariann Wang, is also seeking hotel records from the Beverly Hills Hotel."We are gathering evidence that will prove that (the) defendant lied when he falsely denigrated Ms. Zervos and denied sexually assaulting her," Wang said.MGM owns the archives of "The Apprentice" and Wang wants the company to hand over all documents, video or audio that feature Zervos or Trump talking about Zervos and any recording in which Trump speaks of women in a sexual or inappropriate manner.Zervos' attorney also wants to depose an MGM representative to inquire about how recordings of "The Apprentice" are stored and maintained, who has access to them, and when if ever they were transferred or destroyed.The subpoena asks for "(a)ll video and audio recordings that include Donald J. Trump talking or commenting on the female candidates or female potential candidates of any season of The Apprentice in any sexual or inappropriate manner, including without limitation any statements or comments by Donald J. Trump concerning any female candidate's or potential candidate's body or body parts and/or his sexual or romantic desire or intention concerning any female candidate or potential candidate."MGM declined to comment.Wang also wants records from the Beverly Hills Hotel of any stay by Trump from 2005 through 2009 and documents related to his longtime bodyguard Keith Schiller, his longtime assistant Rhona Graff or Zervos.She also asks for, "(a)ll video recordings that depict the entrances, common areas, or bungalow areas of the Beverly Hills Hotel during the month of December 2007."The communications director for the Beverly Hills Hotel, Brittany Williams, confirmed the hotel was subpoenaed."I can confirm we received a subpoena but we are not providing any further comment at this time," Williams said.Wang has set a May 31 deadline for both companies to comply with the subpoena for the material requested.The New York Times first reported on the subpoenas Wednesday.T 2322

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