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MUSKEGON, Mich. - Organizing school supplies such as crayons, notebooks, and folders then packing them into backpacks is a labor of love for Muskegon sisters Payton and Madelyn Chittenden.“If you see something wrong, you should at least try to fix it,” said Payton.The sisters are working to make a difference for students this school year.“We donate school supplies to kids that… can’t afford it,” said Madelyn.In July, FOX17 introduced the sisters and their mission to collect school supplies for their classmates with families impacted by the coronavirus pandemic.They figured they would be able to pack a few dozen backpacks, but as the donations picked up so did the project’s impact.“It’s just making those kids smile and not worry about the coronavirus,” said Melissa Chittenden, mom.Melissa says monetary and supply donations have added to over ,000, which is enough to create more than 950 backpacks for kindergarten through fourth-grade students at Reeths Puffer Schools, Muskegon Public Schools, Holton Public Schools, and Fruitport Community Schools.That’s 15 to 25 kits per grade at each district’s elementary schools.“It means so much to me as a parent that this is what my kids are focusing on during a time with the corona, they’re not really worried about catching the germs, they’re worried about what can we do to make this a better place?” said Melissa.Teachers will distribute the kits to their students once classes start.Payton and Madelyn believe it could connect students during a year in which not much can be shared and teach them all a lesson of love.“It doesn’t matter if you’re helping a little or a lot, you’re still changing the world,” said Madelyn.“It will help them learn and they will know that they’re special and someone cares about them,” said Payton.Marisa Oberle from WXMI in Grand Rapids, Michigan first reported this story. 1876

NASHVILLE, Tenn. — Another Tennessee Titans player has tested positive for COVID-19, according to a report from ESPN. The team is still scheduled to play the Buffalo Bills on Sunday.ESPN’s Adam Schefter reported Thursday that another player tested positive Thursday morning and an inconclusive test from Wednesday also came back positive.Saint Thomas Sports Park, home to the team's practice facility and corporate offices, remains closed to in-person activities. 471

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

NATIONAL CITY, Calif. (KGTV) — Police arrested a 28-year-old Texas resident Thursday in connection with a motel fire and stabbing several days earlier.Police said Jeremiah Dayvon King was arrested after a woman was found stabbed several times outside of a burning motel room just before 3 a.m. Sunday. The fire occurred at the Roadway Inn Motel in the 600 block of Roosevelt Ave. Several guests pulled an unconscious woman from the woman and tried to put out the flames before police arrived. The woman was taken to a nearby hospital with burns and multiple stab wounds. She was in stable condition on Thursday.Thursday, King was seen walking in the 300 block of Oxford Street in Chula Vista, when he was approached by officers and fled. Officers were able to detain King, who has been booked into county jail and charged with attempted homicide and arson, police said.Anyone with information is asked to call the National City Police Department’s Investigation Division at 619-336-4411. 995

MURRAY, Utah – Dr. Todd Vento has spent most of his professional life preparing for the worst-case scenario.“I still have a lot of connections because of things I’ve done in the past,” said Dr. Vento while sitting in the lobby of Intermountain Medical Center in Murray, Utah.He is an infectious disease specialist who previously worked for the Department of Defense, managing the Ebola outbreak in West Africa.He’s since been recruited to fight on the COVID-19 front lines.“When you prepare and constantly live in that world of preparing for a true threat, you do expect that this could happen,” Vento said.In video provided by Intermountain Healthcare and University of Utah Health, you can see states in the Mountain West are reaching a critical tipping point.The talk of moving to a crisis level of care is imminent.One example, the Utah Hospital Association is reporting double the numbers of COVID-19 patients in hospitals from two weeks ago, and five times the number of patients from two months ago.So, what happens at hospitals when numbers surge? The process of load leveling happens first.“(Load leveling is) balancing out where the patients are so you don’t have one facility that might have 110% of capacity, while another facility is at 70%,” Vento said.A patient management system called “Care Traffic Control” covers seven westerns states. Like other systems in the country, it tells first responders where they can take patients.Next comes contingency care.“That contingency plan might be that we need to take care of more COVID-19 patients, so that means we convert another hospital that takes care of non-COVID-19 patients,” Vento explained.Part of the contingency plan also means canceling noncritical surgeries.Finally, there are crisis levels of care.“The concept of the term, crisis standards of care really gets down to a similar concept used in combat and the military,” Vento said. “I know that may sound harsh, but it’s really about the triage process.”That means doctors will be forced to make tough decisions about who gets care and what that will look like.As many states smash records of COVID-19 cases, health care workers are being stretched thin and asking for help.“It’s up to us to allow all our livelihoods to continue,” Vento said. 2276

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