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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

MUNCIE, Ind. – The Muncie, Indiana animal shelter is asking for the public’s help after they found 43 cats in a U-Haul.In a tweet, the shelter says they were called to help Muncie Police Department Officers around 11 p.m. Friday after they found the cats in the U-Haul with temperatures below 20 degrees.The shelter says a lot of the cats were pregnant and some had hernias. 382

More brands and businesses are becoming vocal in the movement for racial justice and equity.Some are taking it a step further, pledging donations and changes in their own practices to address workforce inequity.Adidas, which also owns Reebok, is pledging to increase the number of black and Latino employees it hires by the end of next year, saying at a minimum 30% of all new positions.The NFL also made recent specific pledges to hire more people of color in front office and coaching positions. It also made an immediate rule change that future head coaching positions need to include at least two interviews with external, minority candidates.“There's good evidence (that) both increasing the quality of a climate in the workplace and increasing the diversity of the workforce tends to be associated with better outcomes, especially in companies that are trying to be innovative in their production process, marketing and the like,” said Donald Tomaskovic-Devey, UMASS equity and inclusion expert.There are proven methods for increasing diversity, equity, and inclusion in the workplace. They include setting clear measurable goals, being transparent, and companies holding themselves accountable.Experts say it’s not only good for employees and business, but this shift in speaking up and change by industry leaders can spark even more influence.“You could imagine firms saying I’m not going to support the reelection campaigns of candidates who are making racist statements or stoking racial divisions,” said Tomaskovic-Devey. “Again, that’s putting your money where your mouth is.”Experts say another practical way to invoke change in the workplace is to treat complaints of bias, unfairness or discrimination as managerial problems to be solved, not legal issues. 1779

NASCAR and the FBI said on Tuesday that investigators have completed an investigation and determined that driver Bubba Wallace was not the target of a hate crime.The racing circuit said that video from NASCAR given to the FBI concluded that a rope fashioned like a noose had been hanging from Wallace’s garage since as early as last fall. But the garage had not been used since a race in 2019."The FBI learned that garage number 4, where the noose was found, was assigned to Bubba Wallace last week.," said US Attorney Jay E Town and FBI Special Agent Johnnie Sharp in a joint statement. "The investigation also revealed evidence, including authentic video confirmed by NASCAR, that the noose found in garage number 4 was in that garage as early as October 2019. Although the noose is now known to have been in garage number 4 in 2019, nobody could have known Mr. Wallace would be assigned to garage number 4 last week."NASCAR President Steve Phelps told reporters that NASCAR will continue its own investigation.“I want to be clear about the 43 team – the 43 team had nothing to do with this,” Phelps said. “The evidence is very clear that the noose that was in that garage had been in the garage previously. The last race we’d had there in October, that noose was present, and the fact that it was not found until a member of the 43 team came there is something that is a fact.“We had not been back to the garage. It was a quick one-day show. The crew member went back in there, he looked at - he saw the noose, brought it to the attention of his crew chief, who then went to the NASCAR series director Jay Fabian and we launched this investigation. To be clear, we would do this again. The evidence that we had, it was clear we needed to look into this."Wallace's crew reported on Sunday finding a noose hanging from a garage stall at Talladega Superspeedway. Before Monday's race, drivers and crew members stood in solidarity with Wallace. Fellow drivers pushed Wallace’s car to the front of the field moments before the race got underway.Wallace became the first Black full-time NASCAR Cup Series driver in 2018 in more than four decades. He instantly found success as a full-time driver, finishing as the runner-up of the 2018 Daytona 500.Amid national unrest over the death of George Floyd, Wallace called for the ban of Confederate symbols from NASCAR events. NASCAR announced two weeks ago that Confederate flags would no longer be permitted at its tracks.Despite the ban, multiple Confederate flags were seen flying outside of the raceway, according to photos shared by the Associated Press. 2610

NATIONAL CITY, Calif. (KGTV) — A police pursuit ended in a violent crash Wednesday, after a suspect hit two cars and injured a woman.National City Police said a car was stolen in Chula Vista overnight after the owner left it running. That car was found hours later by a National City school resource officer who detected it nearby on his lowjack system.The resource officer reported the stolen vehicle to police, leading to a brief pursuit with the suspect.The suspect made a sharp turn at Highland Ave. and 6th St., crashing into one car and sending that car into a second vehicle.A woman in the first vehicle that was hit was injured. She was taken to Sharp Chula Vista with unknown injuries.The crash ended right in front of a sign spinner working at the corner."All of a sudden I see they're chasing the car down this corner. He came this way, impacted that truck over there," the witness told 10News. "I was in shock the whole time. My jaw was dropped. I was scared, like, 'oh man I could've died."Police said the suspect was apprehended at the scene. Police added they found possible narcotics in the vehicle and believe the suspect may have threw something out of the vehicle during the chase. 1208