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Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore 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.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

Myrtle Beach, South Carolina, has remained a major vacation destination amid a national pandemic this summer.In recent days, several officials have warned that travelers returning from the popular East Coast beach destination should quarantine themselves and get tested.Despite the warnings, Myrtle Beach officials say they’re open for business, but are asking visitors to vacation responsibly."We understand that people are ready to travel again following these difficult past few months, and excited that people are choosing the Grand Strand as the destination they want to visit," said Karen Riordan, president and CEO of Visit Myrtle Beach. "While it's time to get back to where we all belong, we must remain diligent in maintaining social distancing, wearing a face mask in public places, practicing healthy hygiene and following all of the guidelines established by healthcare professionals in order to keep everyone healthy while they enjoy the Myrtle Beach area."With a permanent residency of 34,000, Myrtle Beach welcomes an estimated 18 million visitors a year. The city's beaches are some of the most popular and busy beaches in the US.But with large gatherings comes the risk of being infected with COVID-19, especially as cases surge in South Carolina.Dr. Molly O’Dell, who is a Roanoke, Virginia, public health official, told reporters on Tuesday that those returning from Myrtle Beach should quarantine upon their return.”One of the significant locations people are going and coming back positive over and over again is Myrtle Beach, South Carolina, so we are actually suggesting that people who go to quarantine themselves for 14 days because we’ve had so many positives from Myrtle Beach,” said O’Dell.Meanwhile, the governors of Connecticut, New Jersey and New York announced a joint agreement requiring those returning from areas with high community spread of COVID-19 to quarantine for 14 days upon their return.The Myrtle Beach region also has seen a reduction of available hospital beds. Currently, 84% of acute hospital beds in Horry County, South Carolina, are occupied. That number has steadily increased in recent weeks.For those planning on visiting Myrtle Beach, Visit Myrtle Beach has published tips on fun things you can do while social distancing in the area. Those tips can be seen here. 2327

MOAB, Utah — After a suddenly world-famous "monolith" of unknown origin was removed by an unknown person or group late Friday night, the Bureau of Land Management (BLM) said there was a sharp increase in visitors to the area — many of whom failed to follow fundamental rules of recreating on public land.The installation itself, the BLM pointed out, was illegal — although the agency added that for some, it was "a welcome distraction from the 2020 news cycle."The BLM added that it did not remove the monolith or call for its removal and was in the midst of investigating where it came from when it vanished.The agency was concerned that the area was not "developed for heavy visitation," yet throngs of people showed up, mostly during Thanksgiving week.The agency said that many visitors parked their vehicles on vegetation and drove off of designated roads and trails, both of which are illegal. They also said some visitors left behind human waste since there were no bathrooms in the area. 1002

NBA star LeBron James set another record over the weekend, his 2003-04 Upper Deck rookie card sold for .845 million at Goldin Auctions.If that seems like a lot of money, it is. It’s the most expensive basketball card ever purchased, according to the National Basketball Association. 292

National restaurant chain Chili's announced this weekend that customers at some locations may have had their credit or debit card information taken in a breach of the company's data. Chili's said it learned of the incident on Friday, and said it believes the data breach impacted customers who used debit or credit cards in stores during March and April. Chili's said it is just beginning an investigation into what happened, and is working with law enforcement. The incident did not affect all Chili's customers, and Chili's is using a third-party expert to determine which customers were affected. In the meantime, Chili's recommends checking bank statements and report suspicious activity to the bank. Chili's also recommends checking your credit report.For more information, click here.  829