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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

For the last two decades, support for marijuana has steadily grown. A record 66 percent of respondents in this year's Gallup poll say they support legalizing cannabis, up from 64 percent last year."I think a lot of consumers are coming out of the shadows, and they just feel more comfortable talking about cannabis, learning about cannabis,” says Trey Fisher.Fisher, with Medicine Man dispensary in Denver, Colorado, says particularly of note in 2018, is the emerging client base of women and the elderly. "The elderly, they're just looking for relief,” explains Fisher. “They're just looking for a product that works, and they don't care about the social stigma anymore."Individual dispensaries are certainly seeing growth, but industry insiders say the pot business as a whole is still being held back."It’s still completely illegal under federal law, and that's sort of putting a damper on the whole industry,” says Raza Lawrence, a cannabis law attorney.Lawrence specializes in helping entrepreneurs obtain cannabis licenses. He says if the U.S. would follow Canada in decriminalizing pot on a national level, the business would explode.  “Once that changes, you're going to see a lot more corporations starting to jump into the fray, and its gonna look a lot more like other types of industries," Lawrence says.Both Lawrence and Fisher say that could happen soon, and they believe the move in Canada could put even more pressure on U.S. lawmakers."I think Canada is gonna really expedite that process a little bit," says Fisher. 1556

Former President Barack Obama on Tuesday criticized President Donald Trump's decision to exit the Iran deal, a pillar of Obama's legacy on foreign policy."Indeed, at a time when we are all rooting for diplomacy with North Korea to succeed, walking away from the JCPOA risks losing a deal that accomplishes -- with Iran -- the very outcome that we are pursuing with the North Koreans," Obama said in a statement. "That is why today's announcement is so misguided."Trump announced on Tuesday afternoon that he was withdrawing the US from the nuclear agreement with Iran and said he would impose new sanctions.In his statement defending the multiparty agreement with Iran, known as the Joint Comprehensive Plan of Action, Obama cited many who support the deal, including the US' European allies, and he invoked the support of US Secretary of Defense James Mattis, who has said it is in the interest of the US to stay in the agreement."In a democracy, there will always be changes in policies and priorities from one Administration to the next," Obama's statement continued. "But the consistent flouting of agreements that our country is a party to risks eroding America's credibility, and puts us at odds with the world's major powers."The former President was joined in his disapproval of Trump's decision on Tuesday by former Vice President Joe Biden and former Secretary of State John Kerry.Biden said in a statement following Trump's announcement that the decision is "a profound mistake" and that it would put Iran on the path to developing nuclear weapons without diplomatic recourse."This wholly unnecessary crisis could ultimately put the safety of our country and our fellow citizens, including thousands of men and women in uniform serving across the Middle East, at risk by setting us back on a path to war with Iran," Biden said.Kerry condemned the move by Trump to abandon the agreement he had helped forge."Today's announcement weakens our security, breaks America's word, isolates us from our European allies, puts Israel at greater risk, empowers Iran's hardliners, and reduces our global leverage to address Tehran's misbehavior, while damaging the ability of future Administrations to make international agreements," Kerry's statement said.In the leadup to Trump's announcement, Kerry called for Trump to keep the agreement intact, and on Monday, Trump criticized Kerry on Twitter for what he called "shadow diplomacy." 2482

FILE - Marty Stuart performs during Marty Stuart's 16th Annual Late Night Jam at the Ryman Auditorium on June 7, 2017 in Nashville, Tenn. Stuart, along with Dean Dillon and Hank Williams Jr., will be inducted into the Country Music Hall of Fame. (Photo by Amy Harris/Invision/AP, File) 294

For those wondering, yes, it is league-wide: fans at NFL games this season will be required to wear face coverings pic.twitter.com/D139KGKQ4r— Brian McCarthy (@NFLprguy) July 22, 2020 191