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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 number of coronavirus-related deaths in the United States passed 250,000 on Wednesday as more than 1,000 people are dying from the virus per day in the US this month, according to Johns Hopkins University data.The first coronavirus-related death in the US came on February 29.The solemn milestone lands as coronavirus cases reach peak levels throughout the US, forcing governors to reimpose shutdowns and bolster mask mandates. The virus has been particularly deadly in the nation’s heartland, with hospitals in the Midwest full with COVID-19 patients. Nearly 77,000 Americans were in the hospital on Tuesday battling coronavirus symptoms, according to the COVID Tracking Project. Johns Hopkins reported 1,707 COVID-19 related deaths in the US on Tuesday, marking the deadliest day for the virus in six months.The US passed the 200,000 coronavirus-related death mark on September 21. The US has approximately averaged 862 coronavirus-related deaths since then.Here is where the US reached previous milestones.November 18: 250,000September 21: 200,000July 28: 150,000May 23: 100,000April 23: 50,000February 29: 1The University of Washington’s IHME model projects that the US will reach 300,000 coronavirus deaths on December 22.According to JHU, the US represents 19% of global coronavirus deaths despite only having 4% of the world's population. 1358

The Oklahoma teacher walkout is ending after nine days, Oklahoma Education Association President Alicia Priest said Thursday.After getting 9 million in funding for the next school year, the OEA decided to end the walkout, Priest said in a news conference, though the funding falls short of what they'd hoped to achieve."We need to face reality," Priest told reporters. "Despite tens of thousands of people filling the Capitol and spilling out onto the grounds of this Capitol for nine days, we have seen no significant legislative movement since last Friday."Priest said the OEA had been in negotiations with lawmakers in both the Oklahoma House and Senate, but it became clear that "Senate Republicans won't budge an inch on any more revenue for public education."The OEA had been polling its members throughout the walkout, and Priest said that by Thursday, 70% of respondents indicated they were unsure of continuing the walkout.Priest claimed Oklahoma teachers had secured a "victory." Reporters at Thursday's news conference pressed her, pointing out that the union gained little, if any, additional funding than what they had before the beginning of the walkout.She pushed back, saying, "We also got funding afterwards."Before teachers walked out on April 2, Gov. Mary Fallin signed a bill giving teachers a ,100 raise. The OEA had called passage of the bill a "truly historic moment," but said it didn't go far enough. They wanted that figure to be ,000.Fallin also signed a bill that raised education funding over the next fiscal year by million. The teachers' union also wanted that number to be higher."This fight is not over just because the school bell rings once more and our members walk back into schools," Priest said in a statement. "We have created a movement and there's no stopping us now."Efforts to obtain more educational funding will continue away from the Capitol, Priest said. The OEA will be supporting its members and candidates who are running for office during the midterm elections against those who opposed funding Oklahoma's schools.Teachers had said additional spending was needed, pointing to deteriorating school facilities and rundown or outdated textbooks.The Oklahoma educators' walkout came on the heels of another walkout in West Virginia, where Gov. Jim Justice signed a bill giving teachers a 5% pay raise after nine days. 2405

The incoming White House administration will have to handle dual public health crises, COVID-19 and racism.President-elect Joe Biden and Vice President-elect Kamala Harris met with the top civil rights leaders Tuesday night.During the meeting, Biden and Harris were commended on recent diverse picks for top cabinet positions, like retired Geb. Lloyd Austin as the country's first black Pentagon chief, and Rep. Marcia Fudge to lead the Department of Housing and Urban Development.“And we want to ensure that that momentum and that progress is going to continue through the remainder of the appointments he makes,” said Marc Morial, President of the National Urban League.Morial says the meeting was candid and productive. He says his organization will support but also hold the administration accountable to their commitments on racial equity and it starts with COVID-19.“Ensuring that there's a plan to educate people in the community, to educate Black people and brown people about the process of the vaccine, about the safety and effectiveness of the vaccine, so people can make their own decision,” said Morial.A top concern among civil rights leaders is vaccine access. Morial says the distribution system shouldn't be solely reliant on chain pharmacies, hospitals and doctors.“To be able to distribute the vaccine at schools, at libraries, at community centers, why not use covered stadiums in some communities, that covered staples in places like Indianapolis and New Orleans and Houston,” said Morial.The head of the NAACP also asked the president-elect for a new national adviser position that would focus on creating policy centered around racial justice and equity. 1685

The next time you're heading down the cereal aisle at your local grocery store, you might see two new breakfast kinds of cereal from Dunkin'.The company says the cereals are based on two of its most popular coffee drinks: Caramel Macchiato and Mocha Latte."Post Dunkin’ Caramel Macchiato cereal is brought to life with crunchy cereal pieces and caramel-swirled marshmallows, creating the deliciously indulgent taste of the layered iced coffee beverage," the company said. "Post Dunkin’ Mocha Latte cereal features a hint of chocolate and latte-swirled marshmallows in honor of its namesake espresso."The coffee and donuts brand are partnering up with Post Consumer Brands, who also make Honey Bunches of Oats, Shredded Wheat, and Raisin Bran.The cereals will contain "very small amounts of caffeine, roughly a 10th of a cup of coffee, so all can indulge in the rich coffee-forward experience."“We love delighting customers with surprising new ways to enjoy the great taste of Dunkin’. For our fans who already start their days with Dunkin’, this gives them another way to experience their favorite flavors,” said Brian Gilbert, Vice President of Retail Business Development at Dunkin’ in the press release. “The Post Cereals team has done an excellent job of paying homage to the Caramel Macchiato and Mocha Latte with these new cereals. We can’t wait to see how customers enjoy them.”The cereals are set to hit grocery shelves sometime this month. 1456

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