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Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

As the holidays approach, many people are wondering how to safely celebrate. The CDC has urged Americans not to travel for Thanksgiving, and offering guidance for those who still want to go somewhere. Health officials weighed in on whether you need to quarantine before you visit family for the holidays."My own family, we usually have 100 relatives every year at Thanksgiving. Now, clearly, that’s not going to be happening this year. It’s going to be on Zoom for the big family, but I think there are ways that you can celebrate with your smaller family and get together safely, but it's going to take some work and some planning," said Dr. Tanya Altmann, a pediatrician and spokesperson for the American Academy of Pediatrics.Dr. Altmann says there are a number of steps people can take to protect themselves from getting COVID-19 this holiday season. Ideally, everyone would quarantine for two weeks before and after a get-together. Some families may think about switching their kids to remote learning if they are not already doing it."I don’t think its drastic. If you want to get together with elderly grandparents for Thanksgiving, I think keeping your kids home from school for a week and then testing them on day five to seven, assuming everybody is asymptomatic, can make a lot of sense. Again, I would still try to keep them a little distanced from the grandparents," said Dr. Altmann.But what if you can't switch your kids to remote learning? Dr. Altmann says then it won't be a true quarantine, but most schools that are in-person right now are doing everything right."They're masking, they’re distancing, they’re sanitizing and disinfecting, they’re hand washing. So, what we’re seeing is most kids are not catching COVID-19 in the school classroom during the school day, they're catching it at after-school activities, they're catching it on the weekends when they're gathering with friends or their families or doing things that maybe they shouldn’t necessarily be doing," said Dr. Altmann.So, how long should you quarantine last? For medical professionals, a quarantine usually refers to a person who's potentially been exposed but is not showing symptoms. It's a waiting period to help determine infection."I think really the best guidance is to wait that 14-day quarantine period to have some degree of confidence that you’re not going to become infected," said Dr. Beth Thielen, an Assistant Professor of Pediatrics at the University of Minnesota Medical School and an infectious disease physician. Dr. Thielen says, to be extra careful, you could also test yourself seven days into your two-week quarantine."A testing in between without symptoms is somewhat helpful because we also know there are a certain percentage of people who will develop asymptomatic infections and, in particular, this is probably important for children," said Dr. Thielen.However, testing rules and access varies in each state, so it's best to reach out to your local health official or doctor to find out about availability and turnaround times for results."So, I think for some, where now I'm hearing people are waiting days after a test, and so if you're planning to get tested before a trip and it's going to take four to five days to turnaround the test, that could be the entirety of your trip," said Dr. Thielen.Health officials advise erring on the side of caution, especially if you're planning on visiting elderly family members."I think the most important thing is to be really aware of that it's not just your family. 'Oh, we don't want to catch COVID, we might get sick' but that you could spread it to others who are even more vulnerable," said Dr. Altmann.Experts say to take the highest precautions to create the least amount of risk. 3756

AT&T is giving back to teachers, nurses, and physicians "that give their best to our communities every day" by offering them discounts on unlimited wireless plans.Starting July 10, they could begin receiving a 25% discount savings on Unlimited Starter, Extra and Elite wireless plans, the company said in a press release. “Teachers, nurses, and physicians are an essential part of our communities and we believe it’s crucial to recognize the great importance of these individuals during these challenging times,” said David Christopher, executive vice president, and general manager – AT&T Mobility in the press release. “We’re happy to support those who give back so much by offering them and their families significant savings on these unlimited wireless plans.”New Savings for Those that Give their BestTeachers: New and existing customers that are Kindergarten through post-secondary teachers, professors, instructors, and their families can take advantage of this appreciation offer.Nurses and Physicians: New and existing customers that are nurses, physicians, physician assistants, and their families can benefit from this appreciation offer.AT&T also stated that they would also donate million to teacher-focused organizations as a way to support education initiatives across the country.The wireless company said that Teach for America, Breakthrough Collaborative, ISTE's Summer League Academy, and Alliance for Excellent Education would receive the contribution.To sign-up for the offer, you can click here. 1540

Aspiring British actress Kadian Noble can move forward with her sex trafficking lawsuit against disgraced media mogul Harvey Weinstein, a federal judge in New York ruled Tuesday.Noble accuses Weinstein of sexually assaulting her in a hotel bathroom in Cannes, France, in 2014 and says Weinstein coerced her with talk of a potential movie role for her.Noble filed suit in November against Harvey Weinstein, his brother and then-business partner Bob Weinstein, The Weinstein Company LLC and Weinstein Company Holdings LLC.On Monday, US District Court Judge Robert W. Sweet granted Bob Weinstein's motion for dismissal but denied one from Harvey Weinstein.The judge wrote it would be the first instance in which a plaintiff asked for the Trafficking Victims Protections Act to be applied to conduct like that alleged in the lawsuit. 837

As the debate about mask mandates continues in some states, a new study reportedly shows social distancing is just as important to reduce the spread of COVID-19. The study looked at the effectiveness of face coverings when someone coughs repeatedly, coughing is one of the symptoms of COVID-19.The study was published in a June issue of “Physics of Fluid”, by AIP Publishing, and was conducted by Talib Dbouk and Dimitris Drikakis from the University of Nicosia in Cyprus.The researchers used computer modeling to show the range of saliva droplets when people cough. Previous work from this group showed saliva can travel about 18 feet when a person coughs and is not wearing a mask or covering their mouth.This new study built on that research to add in the variables of face coverings and repeated coughing. They used information available about filters used in surgical masks. 887