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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

ATLANTA, Ga. – For more than six decades, Manuel’s Tavern has been the spot in Atlanta for people who love politics.“The quintessential political bar,” said Angelo Fuster, who knew the tavern’s original owner, Manuel Maloof, who got into politics himself decades ago. “Every election, we've been here. It is a place that a lot of people here gravitate to.”Folks will be there again on January 5, because the nation’s political attention is now zeroing in on Georgia, where the fate of the U.S. Senate hangs in the balance.Georgia isn’t exactly used to all this attention. The state has reliably been a Republican stronghold for decades. In 2020, though, it’s emerged as the last of the battleground states, with the final two Senate races of this election cycle.In one race, incumbent Republican Sen. David Perdue faces Democratic challenger Jon Ossoff. In the second race, incumbent Republican Sen. Kelly Loeffler faces Democratic challenger Raphael Warnock.“For all those Georgians who are tired of the campaign ads, of their mailboxes being flooded with advertisements from campaigns as well -- get used to it,” said Bernard Fraga, an associate professor of political science at Emory University in Atlanta.Fraga said both major political parties will be throwing their efforts into the two Senate races.“We're gonna have another two months of both sides, the Democratic and Republican candidates, but also the national parties, nonprofit organizations, mobilization groups, working their hardest to make sure that their campaigns win and that voters are active and engaged,” Fraga said.Craig Eberhart is with Men of Higher Standards, a nonpartisan, African American men’s group, focusing on voter registration in Georgia.“It’s gonna be bananas,” Eberhart said.People who live in Georgia can still register to vote through the first week of December. Eberhart believes the state is ready for its place as a battleground state.“For the forthcoming future, Georgia is going to be one of those states that you can't take for granted, you don't have in your back pocket,” Eberhart said. “You're going to have to work to get the vote of the people in Georgia.”Back at Manuel’s Tavern, Angelo Fuster wonders if this runoff might be different from those in years past.“We don't have a real good record of turning out for runoffs,” Fuster said. “I think that there's that energy.”Energy left because the sun hasn’t set on the 2020 elections quite yet. 2454

At a rally on Sunday, President Donald Trump said that he might fire Dr. Anthony Fauci, his administration's top infectious disease expert, shortly after Tuesday's election.At a rally in Opa-Locka, Florida on Sunday, supporters broke into a "Fire Fauci!" chant as Trump discussed the COVID-19 pandemic."Don't tell anyone, but let me wait 'til a little bit after the election," Trump said.The comments marked the first time that Trump has publicly indicated that he may fire Fauci, who has been the head of the National Institute for Allergies and Infectious Diseases since 1984.Fauci, a member of the White House's corornavirus task force, has consistently been the most plain-spoken Trump administration official when speaking about the challenges the country faces amid the pandemic.Trump has publicly criticized Fauci throughout the pandemic. In October, with COVID-19 cases on the rise, Trump tweeted an attack on Fauci. Days later, during a campaign call, Trump called Fauci a "disaster" and said he and other health experts were "idiots."Polling has shown that Americans consistently believe that they trust Fauci more than Trump when it comes to handling COVID-19.In the past, Fauci has implied that the White House has limited the number of media appearances he can make, and has also said an ad by the Trump campaign took him out of context. 1358

Authorities are currently hunting a suspect in central Tennessee after a Dickson County sheriff's deputy was shot and killed on Wednesday. The suspect has been added to the Tennessee Bureau of Investigation's Most Wanted list.Officials are searching for 31-year-old Steven Joshua Wiggins west of Nashville in connection with the death of Sgt. Daniel Baker with the Dickson County Sheriff's Office.Baker was killed Wednesday morning after responding to a call about a suspicious vehicle. He was found inside his patrol car. Wiggins, who has been arrested for aggravated assault and misdemeanor vandalism in the past, is considered to be armed and dangerous. He’s been added to the Tennessee Bureau of Investigation’s Top 10 Most Wanted list. The reward for his capture has been increased to ,500.   843

Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

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