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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 we inch toward another national election, it may seem that bridging social, economic and political division is insurmountable. But one artist has spent years bringing people together with a message of reconciliation.Rich Alapack is the founder of “We All Live Here”, a project that aims to build unity through community partnerships and public art installations.For the last five years, he’s been spreading his message of positivity and inclusiveness through interactive murals.He’s brought together students, educators and businesses to spread the message that “we all live here.”“Income equality, gender equality, racial equality, sexual equality, the environment, all fall under the umbrella of these four really simple words,” explained Alapack.When he first began his work, he was surprised at how much the phrase resonated.“I started getting messages from people all over the world encouraging me to keep spreading this message,” he said.He created a program for schools called ACT, which stands for art, community and technology. So far, he’s worked with 110 different schools and shared the message of positive inclusiveness with almost 40,000 kids.“With this division that's happening in our society these days, you can't tell someone that they're wrong and expect them to change their mind,” said Alapack. “So, this phrase ‘we all live here’ as a phrase to respond when they hear something hateful.”Seven thousand colorful magnetic panels outside one school mural he installed will eventually have messages scribbled on the underside by eighth-graders.“Believe in yourself, and you can do it,” read Alapack from one panel.A two-year study released this past summer by Beyond Conflict, tapped brain and behavioral scientists to look at toxic polarization in the U.S. What they found suggests that the divide is more a function of perception than reality.It’s something Alapack believes we can change.“It's indisputable. We do all live here, and so, from there you can find other common grounds and repair maybe some of this divide,” he said.And whether through chalk, paint or magnetic panels, Alapack says he hopes creativity and engagement will inspire others to look beyond differences to find understanding.“Creativity is this unique superpower that humans have, and if you can get someone to do something that they don't think they can, then all of a sudden that opens their horizons to what other things they might be able to do that they don’t think they can do.” 2490

ATLANTA (AP) — A Republican congressional candidate who expressed racist views and support for QAnon conspiracy theories has won a U.S. House seat representing northwest Georgia.Marjorie Taylor Greene’s candidacy was bolstered by President Donald Trump. He called her a “future Republican Star.”Greene was heavily favored in the conservative district even before Democratic challenger Kevin Van Ausdal suddenly dropped out in September.Greene has claimed in online videos that Black and Hispanic men are being held back by “gangs and dealing drugs.”She has also alleged an “Islamic invasion” of government offices and accused Jewish billionaire George Soros of collaborating with Nazis. 694
ATLANTA — Georgia’s top elections official says his office is investigating potential election law violations by groups working to register voters ahead of January's Senate runoffs. Secretary of State Brad Raffensperger named four groups his office is specifically investigating: America Votes, Vote Forward, The New Georgia Project and Operation New Voter Registration Georgia. He says some groups are allegedly encouraging people outside the state to register to vote in January's Senate run-off election, according to The Hill. “We have opened an investigation into a group called America Votes, who is sending absentee ballot applications to people at addresses where they have not lived since 1994,” Raffensperger said Monday in announcing the investigations. America Votes responded to the accusations in a statement to the Atlanta Journal Constitution, saying they have mailed applications to those on the list of voters maintained by Raffensperger's office. The secretary is also punching back at claims that fraud has tainted the state’s presidential election. Raffensperger said dishonest actors are exploiting the emotions of many Trump supporters with fantastic claims and apparently misleading the president as well. He said during a news conference Monday that his office has 23 investigators probing 250 open cases alleging some kind of election law violation, but none of them cast doubt on the integrity of the state's election results. 1461
As students begin to head back to the classroom – either virtually or in person – this month begins the most uncertain school year in recent memory.While some public health experts have expressed apprehension about reopening schools, President Donald Trump gave a full-throated defense for bringing back students into classroom full time this fall. Trump hosted a group of educators and school administrators at the White House on Wednesday.Amid Trump’s effort to reopen schools, the CDC released updated guidance last month that emphasizes reopening schools. The new guidance contradicts previous guidance, which recommended closing schools during periods of substantial community transmission.The updated guidance said that extended school closures are harmful to children and can lead to severe learning loss, and the need for in-person instruction is particularly important for students with heightened behavioral needs.During an event with educators on Wednesday, Trump said not only should students return to the classroom, but he decried hybrid schedules, which incorporates a blend of in-person and virtual learning. Proponents of hybrid schedules say that they allow for students to have some in-person learning while opening more classroom space for social distancing.But the president is not a fan.“The concept of every other day seems a little ridiculous, right?” Trump said. “If you are going to do it, you do it. If you are not going to do it, the concept of going back even from a management standpoint from the school, every other day seems very strange.”Trump once again called on Congress to pass 5 billion in education funding, which House Democrats have also pushed for as part of a broader stimulus plan. While Treasury Secretary Steven Mnuchin said the White House is open to doing a piecemeal approach to a stimulus package, House Democrats have pushed for an all-encompassing bill.Some of the funding for schools could be used to help districts with additional costs associated with mitigating the risk of the virus.Trump said that the funds should follow the students. He has previously said that if schools opt for online learning, they should not receive federal funds.“If the school is closed, you know, why are we paying if a school is closed?” Trump asked. “Why are we paying the school if it is closed? I would rather give it to the student, the parents, and you do your own thing, and to me it makes a lot of sense.”While Trump is eager for a full return to school, there are several cautionary anecdotes from several districts that opened earlier this month.Most notably, the Cherokee School District in Georgia reported on Tuesday 59 students and employees tested positive for the coronavirus following its reopening. The district is now asking 925 employees and students to quarantine for two weeks. The district’s Etowah High School will remain closed until August 31 due to the outbreak. 2935
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