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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

FORT MYERS, Fla. -- A medical examiner's report shows a 17-year-old girl who died of COVID-19 may have contracted the coronavirus at a church party in Florida. In the report, it says the party Carsyn Davis attended on June 10 had about 100 people there. It said none of them were wearing masks, and only three days later, the Fort Myers teen started showing symptoms.The church is defending itself against criticism on social media, saying on Facebook that it did not ignore protocols or intentionally expose children to the virus, and that media reports suggesting these things are “absolutely false and defamatory.”However, a gathering of that size and the lack of masks is against both Florida Department of Health and CDC guidelines.The report also shows that after Davis started experiencing symptoms, her parents didn’t immediately take her to the hospital. They instead treated her with two prescription medications, one of which was hydroxychloroquine.“I read a few of the recent studies on hydroxychloroquine, and some of the reports, and it has shown some promise, but that’s all. It’s not that it’s totally effective," said Dr. Jay Gupta at Florida Gulf Coast University. Gupta said it’s not a drug you should ever try without talking with a doctor. The medical examiner report shows that on June 19, Davis had her oxygen levels drop when her mother measured them. Gupta said that’s a big warning sign.“If they’re having breathing trouble, then they should certainly go to a doctor," said Gupta.But Davis didn’t see a doctor.Instead, the report said her mother, a nurse, put her on an oxygen tank they had in the house for her grandfather. When that didn’t work, she was taken to the hospital on June 20. Davis died only two days after being hospitalized, according to the report. It also shows that, when in the hospital, her parents decided not to have her put on a ventilator.This story was originally published by Rob Manch at WFTX. 1955

Four 15-year-olds were arrested after leading Metro Nashville Police officers on a chase that ended on Briley Parkway.The teens in the chase involving a stolen car are also under investigation in relation to other recent crimes involving juveniles.On Thursday, officers were on the lookout for the stolen Prius after receiving a tip that wanted 14-year-old Rico Ransom was suspected of being in the vehicle.Ransom has been a fugitive since he allegedly shot and critically wounded a 17-year-old across from Pearl Cohn High School nearly two weeks ago.Officers pursued the teens for 15 minutes after spotting the car at 20th Avenue North & Herman Street. They then deployed spike strips into the path of the Prius finally, which finally caused the vehicle to slow and stop on Briley Parkway. The teens bailed out and ran. Three were quickly arrested and the fourth was arrested while hiding in a neighborhood on W. Vailview Court.The Prius was stolen on the morning of February 20 on Neal Terrace.Officers continue in their efforts to locate Rico Ransom. Anyone with information on where he may be was asked to call Crime Stoppers at 615-742-7463. 1183

For the last two decades, support for marijuana has steadily grown. A record 66 percent of respondents in this year's Gallup poll say they support legalizing cannabis, up from 64 percent last year."I think a lot of consumers are coming out of the shadows, and they just feel more comfortable talking about cannabis, learning about cannabis,” says Trey Fisher.Fisher, with Medicine Man dispensary in Denver, Colorado, says particularly of note in 2018, is the emerging client base of women and the elderly. "The elderly, they're just looking for relief,” explains Fisher. “They're just looking for a product that works, and they don't care about the social stigma anymore."Individual dispensaries are certainly seeing growth, but industry insiders say the pot business as a whole is still being held back."It’s still completely illegal under federal law, and that's sort of putting a damper on the whole industry,” says Raza Lawrence, a cannabis law attorney.Lawrence specializes in helping entrepreneurs obtain cannabis licenses. He says if the U.S. would follow Canada in decriminalizing pot on a national level, the business would explode.  “Once that changes, you're going to see a lot more corporations starting to jump into the fray, and its gonna look a lot more like other types of industries," Lawrence says.Both Lawrence and Fisher say that could happen soon, and they believe the move in Canada could put even more pressure on U.S. lawmakers."I think Canada is gonna really expedite that process a little bit," says Fisher. 1556

For the sixth time in the Atlantic hurricane season, people in Louisiana are once more fleeing the state’s barrier islands and sailing boats to safe harbor while emergency officials ramp up command centers and consider ordering evacuations.The storm being watched Wednesday was Hurricane Delta, the 25th named storm of the Atlantic’s unprecedented hurricane season. Forecasts placed most of Louisiana within Delta’s path, with the latest National Hurricane Center estimating landfall in the state on Friday.The center’s forecasters warned of winds that could gust well above 100 mph (160 kph) and up to 11 feet (3.4 meters) of ocean water potentially rushing onshore when the storm’s center hits land.“This season has been relentless,” Louisiana Gov. John Bel Edwards said, dusting off his now common refrain of 2020 - “Prepare for the worst. Pray for the best.”A hurricane warning has been issued for a stretch of the northern U.S. Gulf Coast. The National Hurricane Center in Miami said Delta is expected to become a major hurricane again, like it was days earlier before crossing part of Mexico’s Yucatan Peninsula. But some weakening is forecast once Delta approaches the northern Gulf Coast on Friday.So far, Louisiana has seen both major strikes and near misses. The southwest area of the state around Lake Charles, which forecasts show is on Delta’s current trajectory, is still recovering from an Aug. 27 landfall by Category 4 Hurricane Laura.Nearly six weeks later, some 5,600 people remain in New Orleans hotels because their homes are too damaged to occupy. Trees, roofs and other debris left in Laura’s wake still sit by roadsides in the Lake Charles area waiting for pickup even as forecasters warned that Delta could be a larger than average storm.New Orleans spent a few days last month bracing for Hurricane Sally before it skirted to the east, making landfall in Alabama on Sept. 16.Delta is predicted to strengthen back into a Category 3 storm after hitting the Mexican Yucatan Peninsula on Wednesday, then weaken slightly as it approaches Louisiana. The National Hurricane Center forecast anticipated the storm will come ashore in a sparsely populated area between Cameron and Vermilion Bay.Edwards said President Donald Trump has agreed to sign a federal emergency declaration in advance for the state. The Democratic governor said he doesn’t expect widespread mandatory evacuations.But Edwards said Wednesday that Delta is moving fast, so hurricane force winds could reach well inland, and expected heavy rains could cause flooding.Plywood, batteries and rope already were flying off the shelves at the Tiger Island hardware store in Morgan City, Louisiana, which would be close to the center of the storm’s path.“The other ones didn’t bother me, but this one seems like we’re the target,” customer Terry Guarisco said as a store employee helped him load his truck with plywood needed to board up his home.In Sulphur, across the Calcasieu River from Lake Charles, Ben Reynolds was deciding whether to leave or stay. He had to use a generator for power for a week after Hurricane Laura.“It’s depressing,” Reynolds said. “It’s scary as hell.”By sundown Wednesday, Acy Cooper planned to have his three shrimp boats locked down and tucked into a Louisiana bayou for the third time this season.“We’re not making any money,” Cooper said. “Every time one comes we end up losing a week or two.”Lynn Nguyen, who works at the TLC Seafood Market in Abbeville, said each storm threat forces fisherman to spend days pulling hundreds of crab traps from the water or risk losing them.“It’s been a rough year. The minute you get your traps out and get fishing, its time to pull them out again because something is brewing out there,” Nguyen said.Elsewhere in Abbeville, Wednesday brought another round of boarding up and planning, said Vermilion Chamber of Commerce Executive Director Lynn Guillory.“I think that the stress is not just the stress of the storm this year, it’s everything – one thing after another,” Guillory said. “Somebody just told me, ‘You know, we’ve really had enough.’”On Grand Isle, the Starfish restaurant planned to stay open until it ran out of food Wednesday. Restaurant employee Nicole Fantiny then planned to join the rush of people leaving the barrier island, where the COVID-19 pandemic already devastated the tourism industry.“The epidemic, the coronavirus, put a lot of people out of work. Now, having to leave once a month for these storms — it’s been taking a lot,” said Fantiny. She tried to quit smoking two weeks ago but gave in and bought a pack of cigarettes Tuesday as Delta strengthened.While New Orleans has been mostly spared by the weather and found itself outside Delta’s cone Wednesday, constant vigilance and months as a COVID-19 hot spot have strained a vulnerable city still scarred by memories of 2005′s Hurricane Katrina. Delta’s shifting forecast track likely meant no need for a major evacuation, but the city’s emergency officials were on alert.“We’ve had five near misses. We need to watch this one very, very closely,” New Orleans Emergency Director Collin Arnold said.Along with getting hit by Hurricane Laura and escaping Hurricane Sally, Louisiana saw heavy flooding June 7 from Tropical Storm Cristobal. Tropical Storm Beta prompted tropical storm warnings in mid-September as it slowly crawled up the northeast Texas coast.Tropical Storm Marco looked like it might deliver the first half of a hurricane double-blow with Laura, but nearly dissipated before hitting the state near the mouth of the Mississippi River on Aug. 24.“I don’t really remember all the names,” Keith Dunn said as he loaded up his crab traps as a storm threatened for a fourth time this season in Theriot, a tiny bayou town just feet above sea level.And there are nearly eight weeks of hurricane season left, although forecasters at the National Weather Service office in New Orleans noted in a discussion Tuesday of this week’s forecast that outside of Delta, the skies above the Gulf of Mexico look calm.“Not seeing any signs of any additional tropical weather in the extended which is OK with us because we are SO DONE with Hurricane Season 2020,” they wrote.___Santana reported from New Orleans. Gerald Herbert in Theriot, Louisiana; Kevin McGill in New Orleans; Melinda Deslatte in Baton Rouge, Louisiana; Leah Willingham in Jackson, Mississippi; and Jeffrey Collins in Columbia, South Carolina, contributed to this report. 6475