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The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More 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. 3623

The person who stabbed five people in Paris on Saturday night, killing one, yelled the Arabic phrase "Allahu Akbar," meaning "God is great," during the attack, city prosecutor Fran?ois Molins told reporters at the scene.Authorities have opened a terrorism investigation, he said.Four people were wounded during the knife attack in the touristy 2nd arrondissement, or district, of Paris. It happened around 9 p.m. (3 p.m. Eastern), a time when streets and sidewalks were filled with people. 497

The original cast of "Hamilton" is reuniting Friday for a virtual fundraiser for Democratic presidential nominee Joe Biden.Cast members will include creator Lin-Manuel Miranda and Daveed Diggs, Renée Elise Goldsberry, Jonathan Groff, and Leslie Odom, Jr. as part of a special "grassroots fundraiser" for the Biden Victory Fund.The cast will participate in a Q&A that will be moderated by director Thomas Kail. Cast members will then entertain with a performance afterward.The fundraiser begins at 9 p.m. ET, and any donation is accepted to join the event. 567

The photo is shocking. A young mother passed out in the front seat of her car, a syringe clutched in her fist.What you can't see in the photo is the back seat, where her infant son sat crying.That was a year ago this month -- but for Erika Hurt, it might as well be a lifetime.The 26-year-old Indiana woman says she has been clean since that day, doting on her son and working a full-time job.And the photo, which at first was a source of anger and humiliation, illustrates the slippery line between sobriety and despair."I was sober. I stopped going to meetings. I forgot about how bad the addiction got," Hunt told CNN about that period in her life last year. "This photo helped me look back. It's a constant reminder that sobriety needs to be worked at."The day the photo was shotThe day the photograph was taken, Hurt had parked in the lot of a dollar store in Hope, Indiana, to shoot up heroin. She had gotten out of a month-long stint in rehab just two weeks earlier. Her 10-month-old son was in the back seat.She rationalized his presence the same way a lot of addicts do while using in front their kids, she said: They're asleep. Or they're too young to realize what's going on.The last thing Hurt remembers from that day is pulling into the parking lot. She later learned a customer found her slumped over in the car and called 911.It took officers two doses of Narcan, the drug used to reverse an overdose in an emergency situation, to revive her."Had this woman not passed out from this and attempted to drive right afterward, she could have (driven) down the road, passed out two minutes later and hit a car with a family in it, killed every one of them," Hope Town Marshal Matthew Tallent told CNN at the time. "That's the thing that's so shocking to me to think about."What happened nextAfter a brief hospital stay came jail. Hunt had violated her probation from a previous charge in 2014.While she was waiting for her sentencing date, a local reporter requested an interview. Then another asked, and another.She didn't think much of it at the time. She found out why when she was watching the evening news.A police officer had snapped a photo of her passed out in the car. It soon went viral."I felt very humiliated, I felt very angry," she said. "You know, it was hard for me to truly believe that it was me."Hurt's story fits into a grim pattern, as research shows heroin use is on the rise in the US. The most recent United Nations' World Drug Report found that 914,000 people aged 12 years or older reported using heroin in 2014 -- a 145% increase since 2007.Where she is nowHunt has been fighting addiction all her life, she says."I had been an addict since I was 15 years old," she said. "It wasn't until I was 21 that I began seeking help -- and I was failing at it. "The overdose, captured in the photo, led to Hunt getting clean.She was sentenced to six months of intense rehab in a locked-down facility -- one that focused on the underlying issues of addiction and how to cope with them.She's part of WRAP (Women Recovering with a Purpose), a program that requires continued meetings with a therapist, a sobriety coach and multiple "self care" classes such as Narcotics Anonymous every week.Now, she works more than 40 hours a week at a local factory. She also cares for her son, but her mom has guardianship.At this point, her focus is on staying the course."If you are sober and healthy," she said, "then you can take care of everybody else." 3477

The man suspected of killing and wounding multiple people at Strasbourg's famed Christmas market was killed by French police, following a shoot-out not far from the scene of Tuesday's attack.Authorities announced Friday a fourth person had died as a result of being shot by the suspect, and 12 others are wounded.Cherif Chekatt, the 29-year old suspect, was shot dead on Thursday evening, two days after he first disappeared sparking a massive manhunt involving hundreds of police officers, soldiers and anti-terror specialists from three European countries.French Interior Minister Christophe Castaner said police recognized a man who looked like Chekatt walking on the street in Strasbourg's Neudorf district on Thursday night and approached him. He opened fire on officers when they tried to question him, he said.Police returned fire, killing the suspect, Castaner said."As I am speaking to you, I am thinking about the victims and the wounded. I am thinking of those close to them. I am thinking of Strasbourg and France that was hit by this terrible attack," Castaner said.On Thursday, Strasbourg police said the death toll from the attack had risen to three, after one person succumbed to their injuries. Another was declared dead Friday.Four people remain in serious condition with eight others suffering light injuries.The hunt prompted a curfew in the eastern French city near the German border and forced the country to raise its national security threat level to its highest status: "emergency terror attack."French prosecutors said the suspect shouted the Arabic phrase "Allahu Akbar," meaning "God is greatest," at the time of the attack."It's relief for the people of Strasbourg to know that the attacker has been killed," Strasbourg Mayor Roland Ries said, adding that the Christmas market would reopen on Friday.The French National Police thanked the public for their assistance in finding Chekatt."Thank you for your alerts which allowed us to find the wanted individual," the National Police said on Twitter.Earlier on Thursday, Paris prosecutor's office said that a fifth person was taken into custody in relation to the attack. "At this stage there are five people in custody," a spokesperson said.Authorities said Chekatt entered the perimeter of the market, one of the oldest in Europe, by the city's Corbeau Bridge and started shooting and stabbing passers-by on the Rue des Orfevres around 8 p.m., when many were in the middle of their Christmas shopping.Anti-terror police flooded the market and tried to arrest the suspected gunman. He exchanged fire with security forces, suffering an injury to his arm. The suspected gunman then jumped into a taxi and fled the scene, Heitz said.On Thursday, French police evacuated buildings and cordoned off the area close to where Chekatt had fled. The gunman's father, mother and two brothers were also questioned by police, a source close to the investigation told CNN.Checkatt was already known to security services as a possible threat, police said. He has an extensive criminal background that includes 27 convictions in France, Germany and Switzerland, mostly for acts of robbery and violence.A spokeswoman for the Swiss Federal Police, Cathy Maret, said Chekatt was well known to authorities there, having been arrested and convicted several times in Switzerland for crimes such as break-ins, theft and violence. He was not on their radar as a radical Islamist or for narcotics violations, she said.In 2017, he was deported from Germany to France after the Interior Ministry in the German state of Baden-Wuerttemberg confirmed he had been convicted of break-ins and serious theft in 2016 and spent time in a German prison. The German Federal Criminal Office said the suspect was not known in Germany as a radical Islamist.However, Chekatt was known to French prison officials for being radicalized and for his proselytizing behavior in detention in 2015, Paris prosecutor Heitz said, adding that he had been incarcerated multiple times.He was also on a French watch list called a "Fiche S" surveillance file. The "Fiche S" is a French terror and radicalization watch list that includes thousands of people, some of whom are under active surveillance, meaning they are on law enforcement's radar.Hours before the attack, French gendarmes tried to bring Chekatt in for questioning but found he wasn't home, a spokesperson for France's National Police told CNN earlier this week, without providing further details.Chekatt was born in Strasbourg, according to CNN affiliate BFM. 4554

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