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The Mega Millions jackpot was a record-breaking .6 billion on oct. 23, and people across the country bought tickets in droves.Those behind the counter selling the lottery tickets say they heard it all from their customers.“If they win, they’ll buy us a new car or a new house,” said Francine Barela of promises she hears from customers at King Soopers in Denver, Colorado.Some people even promised to give a million dollars to the person who sold them the ticket.“You wonder are they really gonna come back? Are they gonna keep their word? But I don't really care whether they do,” Barela said. “Just be nice to know you sold the winning ticket!”Barela and co-worker Eva Bogue handle hundreds of tickets a day, but they rarely play themselves. That is until the jackpot is record-breaking.“The jackpots so big that you gotta take your chances with it,” Barela says.Would they keep their jobs?Bogue quickly replies, “No.” 940

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More 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. 3623

The Macy's Thanksgiving Parade will happen in 2020, but organizers say this year's production will be "reimagined.""Following our successful, safe, and innovative production of Macy’s 4th of July Fireworks, it is our intention to similarly reimagine Macy’s Thanksgiving Day Parade this November," Macy's announced on its website. The parade has kicked off the holiday season for over 90 years. Still, due to the coronavirus pandemic, things will look different in November, Mayor Bill de Blasio told reporters in a press conference on Friday.According to CNN, de Blasio said that some things might be virtual, and there might be some small in-person pieces.Organizers said more information about the parade would be released "later this fall." 751

The Miami Police Department says what began as disagreement about masks led to an assault on Sunday evening.According to a statement from the Miami Police Department, the incident began at Latin Cafe, a ventanita or coffee shop near Miami International Airport. Surveillance video shows five people milling about outside of the cafe.The Miami Police Department says a few patrons got into an argument about mask compliance. Video shows one customer, wearing a mask and a red shirt, gesturing toward cafe employees and appearing to speak in exaggerated tones toward another customer without a mask.The customer without a mask stepped toward the man in the red shirt, and then a struggle ensued. Additional security footage shows the man in the red shirt falling to the ground. That man's girlfriend saw the incident from her car and ran to help. Police say she was also hit during the scuffle.Miami Police Officer Kiara Delva told WSVN-TV in Miami that the fight left the man in the red shirt "disoriented."Police say they're searching for four people in connection with the incident. It's unclear how many of those people could face charges.Miami currently requires the use of masks in public to prevent the spread of the coronavirus. First-time offenders are issued warnings, while repeat offenders could face fines. 1325

The Idaho Lottery launched what’s being billed as “a first of its kind” Scratch Game Wednesday, by introducing a clear plastic scratch ticket. The new game, called “Cash Getaway,” is 100% recyclable, Lottery officials said. “The Idaho Lottery has a long history of being on the forefront of cutting-edge technology,” said Lottery Director Jeff Anderson. “Idaho is a unique geographic marketplace that is ideal for trying new products and new innovations that will eventually lead to introduction in other jurisdictions around the country.”Players can actually see through the ticket. In the clear play game, located on the top half of the ticket, players scratch and reveal a unique code for use with their mobile device or PC.  The bottom half of the ticket plays like a traditional Scratch ticket.  Players without access to a mobile device or a computer can still play the new game. Each ticket features the Lottery’s security bar code which may be scanned at retail locations to collect their winnings. The new game will be available in retail stores throughout Idaho by the end of the week, Anderson added.  The new five-dollar game also features two top prizes of ,000 –- awarded either in cash payment or as a luxurious “vacation of a lifetime." The winner gets to choose.The technology for this new product was created by Pollard Banknote, a Scratch Game printing business partner of the Idaho Lottery.    1464