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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593

As the coronavirus pandemic continues, doctors are learning more about the damage having Covid-19 can do to the body. Two separate studies published recently indicate the coronavirus can harm other organs in the body, including the heart.One of the studies looked at 100 patients in Germany who recently recovered from Covid-19 and found 60 percent of participants had inflammation in the heart. The study used MRI scans to monitor the inflammation, and was published in JAMA Cardiology.The majority of the patients in this study, 67 of them, recovered from the coronavirus at home with severity ranging from asymptomatic to moderate. It compared the MRIs of coronavirus survivors to scans from healthy volunteers.The data showed there was some sort of heart involvement in those who had coronavirus, whether or not they had preexisting conditions or any heart-related symptoms during recovery.“Our findings reveal that significant cardiac involvement occurs independently of the severity of original presentation and persists beyond the period of acute presentation, with no significant trend toward reduction of imaging or serological findings during the recovery period. Our findings may provide an indication of potentially considerable burden of inflammatory disease in large and growing parts of the population and urgently require confirmation in a larger cohort,” the researchers noted in conclusion.A second study, also published in JAMA Cardiology, found coronavirus could be found in the heart tissue of patients who died.The study looked at data from 39 autopsy cases in Germany in early April. The patients were aged 78 to 89, had tested positive for Covid-19 and there were results of heart tissue analysis in their autopsies.In 16 of the 39 cases, there was a large “virus load” of coronavirus found in the heart tissue, another eight had a coronavirus presence in the tissue.The sample of autopsy cases was small and the "elderly age of the patients might have influenced the results," the researchers wrote. More research is needed whether similar findings would emerge among a younger group of patients."Taken together the studies support that SARS-CoV-2 does not have to cause clinical myocarditis in order to find the virus in large numbers and the inflammatory response in myocardial tissue. In other words, one can have no or mild symptoms of heart involvement in order to actually cause damage," said Dr. Dave Montgomery, who was not involved in the studies, in a statement to CNN.Dr. Clyde Yancy of Northwestern University Feinberg School of Medicine and Dr. Gregg Fonarow of the University of California, Los Angeles, co-authored an editorial that accompanied the two new studies in the journal JAMA Cardiology called ‘Coronavirus Disease 2019 (COVID-19) and the Heart—Is Heart Failure the Next Chapter?”“We see the plot thickening and we are inclined to raise a new and very evident concern that cardiomyopathy and heart failure related to COVID-19 may potentially evolve as the natural history of this infection becomes clearer,” they write. 3076

At least 18 people have been killed and 178 others injured after a train derailed in Yilan County in northeastern Taiwan, according to an update from the island's transport ministry.Initially, the ministry said 22 people died, but it later revised the number.The train was traveling between the cities of Shulin and Taitung when it derailed Sunday on a coastal line reportedly popular with tourists.The train was carrying 366 passengers when the accident occurred just before 5 pm local time, the transport ministry said. 529

BALTIMORE — Scammers are using the COVID-19 pandemic and financial crisis to take advantage of unemployed workers.Like millions of others, Daniel Martin recently lost his job, but he caught a break with a new company.“I was really excited. It sounded like a really good position with a lot of possibilities of growth within the company. It just seemed like something I was looking for,” said Martin.He received a contract and was assigned a project. The company, Gap Systems LLC, was moving their offices to Baltimore and needed him to procure new equipment. Since he wasn’t full-time just yet, he’d have to purchase the laptops with his credit card and the company would reimburse him.“The next two weeks, I completed a total of three purchase orders and all of the payments were posting perfectly fine,” Martin said.A few weeks later, the charges suddenly reversed and Martin’s credit card balance exceeded ,000.After speaking with a bank representative, he learned the account owner had reported the charges as fraudulent.“They probably in some other way scammed someone else to get their account and routing number and then they gave me that information to pay my credit card,” said Martin.Martin feels he should’ve known better, but his excitement clouded his judgment. And this is happening to job hunters around the country. According to the Federal Trade Commission, consumers reported losing 0 million to these scams in the first nine months of 2020.This week, the FTC along with 19 federal, state, and local law enforcement partners, announced a crackdown on scams targeting consumers with fake promises of income and financial independence.More than 50 enforcement actions were taken against operators of work-from-home and employment scams, pyramid schemes, investment scams, bogus coaching courses, and other schemes.“If at any point during any part of the process they ask you to buy anything, just don’t,” said Martin.Especially with checks. It’ll likely bounce then you’re on the hook for that money.And if someone contacts you about a j

ASHEVILLE, N.C. – A North Carolina city council unanimously approved a reparations resolution for its Black residents Tuesday.The Asheville City Council voted 7-0 to approve the resolution that formally apologizes for the city’s participation and enforcement of slavery. It also offers an apology for carrying out an urban renewal program that destroyed multiple, successful Black communities.While the resolution provides reparations to the city’s Black residents, it does not mandate direct payments. Instead, the legislation calls for investments in areas where Black citizens face disparities.The resolution, obtained by the Asheville Citizen Times and WHNS, calls for “forming policy and programs that will establish the creation of generational wealth and address reparations due in the black community…” It also encourages state and federal leaders to do the same.The resolution says the resulting budgetary and programmatic priorities may include, “increasing minority home ownership and access to other affordable housing, increasing minority business ownership and career opportunities, strategies to grow equity and generational wealth, closing the gaps in health care, education, employment and pay, neighborhood safety and fairness within criminal justice.”Councilman Keith Young, who spearheaded the initiative, told ABC News that the council was looking to “embed systemic resolutions.” As for a timeline, he said the council "will have some steps to report on within six months and every six months after that.” He added that the work does not end, and it will be adaptive.The Black community makes up about 12% of the city of Asheville, while 83% of residents are white, according to census data. 1721