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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

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

NATIONAL CITY, Calif. (KGTV) - A National City crematorium owner denied Friday that human remains were released into the air during a furnace emergency at the facility.National City firefighters responded to a call Thursday afternoon at the Cortez Family Crematorium at 100 W. 35th St, near Interstate 5 and SR-54.A furnace door was open while the system was operating, triggering the building’s heat detectors. A plume of smoke rose from the building and drifted east.A National City Fire captain and the San Diego Air Pollution Control District indicated human remains were released into the air along with chemicals, the crematorium owner disputes the information.Angela told 10News reporter Travis Rice the human remains were covered with a cardboard box at the time of the emergency. The box caught fire due to ambient heat in the furnace and the remains were not burned, she said. Firefighters reset the system, which shut the door and the cremation resumed.RELATED: Crematorium accident sends smoke containing human ashes into the airThe San Diego Air Pollution Control District said there was no public health risk from the smoke.The California Cemetery and Funeral Bureau told 10News it is investigating the situation.10News reporter Travis Rice goes inside the crematorium on 10News at 5 p.m.Cortez Family Crematorium has been operating since 2014 and has no record of violations, state officials said.  1441

MORTON, Miss. (AP) — U.S. immigration officials raided numerous Mississippi food processing plants Wednesday, arresting 680 mostly Latino workers in what marked the largest workplace sting in at least a decade.The raids, planned months ago, happened just hours before President Donald Trump was scheduled to visit El Paso, Texas, the majority-Latino city where a man linked to an online screed about a "Hispanic invasion" was charged in a shooting that left 22 people dead in the border city.Workers filled three buses — two for men and one for women — at a Koch Foods Inc. plant in tiny Morton, 40 miles (64 kilometers) east of Jackson. They were taken to a military hangar to be processed for immigration violations. About 70 family, friends and residents waved goodbye and shouted, "Let them go! Let them go!" Later, two more buses arrived.A tearful 13-year-old boy whose parents are from Guatemala waved goodbye to his mother, a Koch worker, as he stood beside his father. Some employees tried to flee on foot but were captured in the parking lot.Workers who were confirmed to have legal status were allowed to leave the plant after having their trunks searched."It was a sad situation inside," said Domingo Candelaria, a legal resident and Koch worker who said authorities checked employees' identification documents.The company did not immediately respond to an emailed request for comment.About 600 agents fanned out across the plants involving several companies, surrounding the perimeters to prevent workers from fleeing. They occurred in small towns near Jackson with a workforce made up largely of Latino immigrants, including Bay Springs, Carthage, Canton, Morton, Pelahatchie and Sebastapol.Matthew Albence, U.S. Immigration and Customs Enforcement's acting director, told The Associated Press that the raids could be the largest such operation thus far in any single state.Asked to comment on the fact that the raid was happening on the same day as Trump's El Paso visit, Albence responded, "This is a long-term operation that's been going on. Our enforcement operations are being done on a racially neutral basis. Investigations are based on evidence."The sting was another demonstration of Trump's signature domestic priority to crack down on illegal immigration. While planned months ago, it coincided with the day that Trump was to visit El Paso to offer his condolences to the majority-Latino city after a gunman linked with an anti-Hispanic post online fatally shot 22 people on Saturday.Such large shows of force were common under President George W. Bush, most notably at a kosher meatpacking plant in tiny Postville, Iowa, in 2008. President Barack Obama avoided them, limiting his workplace immigration efforts to low-profile audits that were done outside of public view.Trump resumed workplace raids, but the months of preparation and hefty resources they require make them rare. Last year, the administration hit a landscaping company near Toledo, Ohio, and a meatpacking plant in eastern Tennessee. The former owner of the Tennessee plant was sentenced to 18 months in prison last month.A hangar at the Mississippi National Guard in Flowood, near Jackson, was set up with 2,000 meals to process employees for immigration violations on Wednesday. There were seven lines, one for each location that was hit. Buses had been lined up since early in the day to be dispatched to the plants."I've never done anything like this," Chris Heck, resident agent in charge of ICE's Homeland Security Investigations unit in Jackson, told The Associated Press inside the hangar. "This is a very large worksite operation."Koch Foods, based in Park Ridge, Illinois, is one of the largest poultry producers in the U.S. and employs about 13,000 people, with operations in Mississippi, Alabama, Georgia, Illinois, Ohio and Tennessee.Forbes ranks it as the 135th largest privately held company in the U.S., with an estimated .2 billion in annual revenue. The Morton plant produces more than 700,000 tons of poultry feed a year, company officials said in February. The company has no relation to prominent conservative political donors and activists Charles and David Koch.Agents arrived at the Morton plant, passing a chain-link fence with barbed wire on top, with a sign that said the company was hiring. Mike Hurst, the U.S. attorney for Mississippi, was at the scene.Workers had their wrists tied with plastic bands and were told to deposit personal belongings in clear plastic bags. Agents collected the bags before they boarded buses."This will affect the economy," Maria Isabel Ayala, a child care worker for plant employees, said as the buses left. "Without them here, how will you get your chicken?"Immigration agents also hit a Peco Foods Inc. plant in Canton, about 35 miles (56 kilometers) north of Jackson. The company, based in Tuscaloosa, Alabama, says it is the eighth-largest poultry producer in the U.S. A company representative did not immediately respond to a telephone call or email seeking comment.___Amy reported from Pearl, Mississippi. Associated Press reporter Elliot Spagat in San Diego contributed to this report. 5155

MILWAUKEE, Wisc. — A Milwaukee County Supervisor has issued an apology after he used a song by rapper Cardi B to promote a weatherization program.Supervisor Ryan Clancy apologized and stated that his Facebook post "landed badly" after he used a photo of Cardi B and Megan Thee Stallion from the music video for the song"WAP" to promote the Weatherization Assistance Program.According to the Milwaukee County website, the program provides qualified Milwaukee County residents with a one-time annual payment toward heating and electric bills.The song includes the line "there's some wh**es in this house." In text overlaid on the still from the music video, Clancy wrote, "there's some holes in this house," referencing the need to weatherize homes before it gets too cold.Clancy made another connection to the song by abbreviating the Weatherization Assistance Program as "WAP."Following the post from Clancy, the weatherization program asked Clancy to take down his post because it didn't read well to some viewers.Clancy did just that and posted a comment on top of the original post, and deleted the photo.Clancy said he initially used the photo in an effort to "draw attention to both this excellent program and to a song which has at its core a message about empowerment, reclaiming and destigmatization." 1317

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