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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

National walkout protests are planned at schools across the country on Wednesday in support of students affected by the Parkland, Florida school shooting.Students, teachers, parents and others associated with schools are participating to push for legislation that aims to protect public places from gun violence.The walkout is organized by Women's March Youth EMPOWER, and the group is calling for those who support the effort to walk out of schools for 17 minutes at 10 a.m. in each time zone. Seventeen is the number of people killed at Marjory Stoneman Douglas High School in Parkland on Feb. 14, 2018.Nikolas Cruz, 19, confessed to the killings; he used an AR-15 assault rifle to shoot people in the school. Several others were wounded."We are not safe at school. We are not safe in our cities and towns. Congress must take meaningful action to keep us safe and pass federal gun reform legislation that address the public health crisis of gun violence," the Women's March Youth EMPOWER website reads. "We want Congress to pay attention and take note: many of us will vote this November and many others will join in 2020."Join us in saying #ENOUGH!," the website says.Students have rights, though schools may discipline 1250

Multiple deaths are being blamed on flooding and torrential rains in North Carolina. At least six people, including a child, have died so far.More than 30 campers were rescued Thursday morning from flash flooding at a campground about 60 miles northwest of Charlotte. 275

Multiple people were injured Thursday when a school bus collided with a dump truck and flipped over in Mount Olive Township in Morris County, New Jersey, officials said.The Associated Press reports that one adult and one student were killed.Mount Olive Mayor Rob Greenbaum, who saw the aftermath of the highway crash from an overpass, described the scene as "horrific." He told HLN Thursday there were possible ejections in the crash.At least three hospitals have received patients from the accident, including two believed to be children, officials said.The bus was transporting students from East Brook Middle School in Paramus, New Jersey, according to a school official."Our hearts are broken by today's tragedy," Gov. Phil Murphy said in a Facebook post after arriving at the school.Jay Faltings, who drove past the scene about five minutes after the crash, told HLN he saw children being rescued from the wreckage.Faltings said the front of the dump truck appeared to have been sheared off and the school bus was "ripped off its frame" after hitting a guard rail and flipping over."It's like nothing you've ever seen before," he said.Faltings said first responders appeared to have removed the children from the scene."They were young kids," he said. "But luckily, first responders, everybody there helped get all the kids out safely from what we could see... The kids were obviously freaked out."The National Transportation Safety Board said via Twitter that it was "gathering information" on the crash.All lanes of Interstate 80 have been shut down.Mount Olive Township is about 50 miles west of New York City.The-CNN-Wire 1638

My thoughts on the current state of our politics: pic.twitter.com/oYY4zlX6ZP— Mitt Romney (@MittRomney) October 13, 2020 134

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