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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

Most children starting school this fall find themselves in the same place they ended in the spring – at home. These kids and their parents are having to make the effort to find a routine that works.Mother Kim Alvidrez says she has her twin 6-year-olds treat school from home the same way they would if they were heading to class. That includes having breakfast and breaks at the same time.She sees frustration in her kids for not having one-on-one teacher help and not being around other students.“It’s hard, as a mom to watch your kids. They want it. They want to be there, and they want to be involved but they can’t fully participate,” said Alvidrez. “It’s just their presence that’s counted. And that’s their time. That’s my biggest concern. “Alvidrez says her kids are kept silent during Zoom lessons and are encouraged to not ask questions. If questions are asked, she says it’s limited to one or two.Child psychologists say parents need to work through those struggles and remain positive to help create a better learning environment.“The number one way kids learn is by watching what their parents do,” said Dr. Jessica Hawks, a child psychologist at Children's Hospital Colorado. “So, if a parent can present an optimistic and positive about the fact that their child's in online schooling, the child's more likely to embrace that philosophy and mentality and can really be helpful overall to the engagement.”Hawks says parents also need positive routines for kids, which include proper eating and sleep habits, along with a designated area for kids to do their online work.As for Alvidrez, she says one positive is her twins are in the same class. 1665

MOUNT RUSHMORE NATIONAL MEMORIAL, S.D. (AP) — Speaking to a largely maskless crowd at Mount Rushmore, President Donald Trump says protesters have waged “a merciless campaign to wipe out our history” amid demonstrations against racial injustice and police brutality. The sharp rebuke in a pre-holiday address Friday to mark the nation’s independence follows weeks of nationwide protests following the killing of George Floyd by police in Minneapolis. Some demonstrators have also destroyed or damaged Confederate monuments and statues honoring those who have benefited from slavery. Trump says, “This movement is openly attacking the legacies of every person on Mount Rushmore.""The radical ideology attacking our country advances under the banner of 'social justice.' But in truth, it would demolish both justice and society," Trump said. "They want to silence us. But we will not be silenced."Trump says he will establish a “National Garden of American Heroes,” which he is describing as “a vast outdoor park that will feature the statues of the greatest Americans who ever lived.”Trump made the announcement as he opened the Fourth of July weekend with a speech and fireworks at the iconic Mount Rushmore.He led into the announcement by paying tribute to a litany of American icons, from political figures like Ulysses S. Grant and Frederick Douglass to entertainers like Elvis Presley and Frank Sinatra.The executive order released Friday by the White House says the garden will feature statues of several presidents as well as other historic notables, including Davy Crockett, Amelia Earhart, Billy Graham, Harriet Tubman and Orville and Wilbur Wright. 1664

MINNEAPOLIS (AP) — One of four former Minneapolis police officers charged in the death of George Floyd is asking to have his case dismissed.An attorney for Thomas Lane said in court papers that the case against his client should be dismissed for lack of probable cause.As part of his court filing, attorney Earl Gray filed transcripts from body camera footage recorded by Lane's camera and the camera of his partner.The transcripts, obtained by the Star Tribune and New York Times, show that Floyd begged officers not to shoot him during the initial encounter and later pleaded for them not to place him in the back of the squad car because he was claustrophobic and had just had COVID-19.At one point, Floyd said “I can’t believe this. I can’t believe this. Mom, I love you. Tell my kids I love them. I’m dead,” according to the transcripts.The transcripts say former officer Derek Chauvin then told Floyd he was under arrest and that he was “doing a lot of talking, man.”That’s when Gray says Lane asked twice if the officers should turn Floyd on his side, but Chauvin said no and used his knee to pin Floyd to the ground.Chauvin then knelt on Floyd's neck for nearly eight minutes, which was caught on video and has now been seen by people across the world. Floyd lost consciousness and was later pronounced dead.Gray also filed a transcript of Lane's interview with state investigators.Lane is charged with aiding and abetting second-degree murder and manslaughter, as are former officers J. Alexander Kueng and Tou Thao. Chauvin is charged with murder and manslaughter. 1582

More than a quarter of a billion dollars from the omnibus spending bill is earmarked for border fencing in San Diego, but don’t expect it to look like one of the border wall prototypes in Otay Mesa.A provision in the bill makes the funding only available for “operationally effective” fence designs from before March 2017The eight border wall prototypes the President visited earlier this month are ineligible since they were completed in fall of 2017.Border Patrol says the funding will be used to replace 14 miles of existing and secondary fencing in the San Diego sector.It’s a broken promise for Trump supporters like Ben Bergquam who says it’s disappointing Trump is not funding the one thing a majority of his voters wanted to see.“We have the House, the Senate and the Presidency; yet we don’t have the courage to say no," said Bergquam, "you don’t have too many giveaways to screw up something that big.”.6 billion in total is going to border protection measures across the country from the bill. 1029

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