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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

AUSTIN, Texas – The Texas Medical Association has created a handy chart to help Americans determine how risky everyday activities are when it comes to contracting the novel coronavirus.From opening the mail to going to a bar, TMA’s COVID-19 Task Force and Committee on Infectious Diseases have ranked activities on their risk level for COVID-19.The activities are broken down into these levels: low risk, low-moderate risk, moderate risk, moderate-high risk, and high risk.TMA says the levels are based on input from the physician members of the task force and the committee, who worked from the assumption that – no matter the activity – participants were taking as many safety precautions as they can.No matter the activity, TMA says it’s best if you stay home if possible, wear a mask and maintain at least 6 feet of distance when you have to go out, and practice safe hand hygiene.TMA’s task force is made up of 15 physicians who are experts and leaders in medicine, some of whom are in direct patient care.The task force has researched and written in the neighborhood of 25 whitepapers and guidance documents to help inform Texas physicians as they battle the COVID-19 coronavirus. They created those papers and guidance to help inform and guide the more than 53,000 TMA members across the state as they battle the pandemic and care for Texas patients. 1365

As the chaotic 2020 presidential race enters its final stretch, Vice President Mike Pence and Democratic vice presidential nominee Kamala Harris will square off in a debate at 9 p.m. ET on Wednesday in Salt Lake City.The COVID-19 pandemic will be at the forefront of Wednesday's debate — both literally and figuratively. As the nation seeks more info regarding President Donald Trump's health amid his COVID-19 infection, both Pence and Harris have agreed to allow debate officials to install plexiglass shields next to their podiums.Harris' staff initially requested the shields, citing the COVID-19 outbreak that's infected several White House staffers. After initially saying the shields were not necessary, Pence's staff agreed to the change on Tuesday night.The Associated Press reports that both Harris and Pence tested negative for the virus on Tuesday morning.Wednesday's debate will be broken into nine 10-minute segments. Each candidate will have two minutes to answer a question from moderator Susan Page, and the other candidate will then have two minutes to respond.The 2020 VP debate will likely hold more important than in years past, given the ages of Trump and his opponent, former Vice President Joe Biden. Trump, 74, was the oldest candidate ever to be elected president in 2016, and Biden, 77, is three years older than Trump. Amid a global pandemic, voters may be taking a keen interest in each administration's chain of command.The Trump campaign is banking on a strong performance from Pence amid slumping poll numbers. An average of national polls shows Biden leading Trump by about nine percentage points, and a recent CNN poll released this week showed that 57% of likely voters favored Biden, compared to just 41% for Trump.Wednesday may also mark the last debate for at least a few weeks. There are two more presidential debates scheduled between now and Nov. 3, but Trump's COVID-19 diagnosis has put the status of the second debate — currently scheduled for a week from Thursday — in doubt. Trump says he still plans to participate, but Biden has said the debate should not take place if the president is still infected with the virus due to safety concerns. 2196

As White House advisers and congressional leaders spar over the next round of stimulus funds, President Donald Trump said on Tuesday that he still has some issues with the Senate GOP's proposal released yesterday.On the mind of so many Americans are stimulus checks, unemployment and the return to school.But when asked specifically what he disagreed with, Trump punted. Despite a Trump administration push for the return of in-person learning, a number of school districts across the US have announced plans to begin the 2020-21 school year virtually. On Tuesday, Ohio’s largest district Columbus City Schools said they will start the year off virtually.Trump has said that federal funds should only go to schools that are open.Meanwhile, the next round of stimulus is being debated on Capitol Hill. While it appears there is agreement between the White House, House Democrats and Senate Republicans on providing a second round of ,200 checks for most Americans, there is intense debate on unemployment. Last week, millions of unemployed Americans stopped receiving a 0 weekly supplement to unemployment checks. Those checks were in addition to state unemployment payments.With those payments no longer being received by Americans, there are questions on the state of the economy given an unemployment rate of 11.1 percent – nearly three times higher than at the start of the year.HIGHLIGHTS OF THE ACT:- ,200 stimulus checks for the same group of Americans who received a check in the spring- 6 billion in funds for schools to hire staff and conduct social distancing- Replenishing the Paycheck Protection Program, intended to help businesses keep employees on payroll- Extending unemployment supplement, although at a lower amount- Liability protection for businesses reopening amid the pandemic 1816

AUBURN HILLS, Mich. — Faculty and staff at Oakland University in Rochester, Michigan are being trained to fight active shooters in a unique way – by using hockey pucks. University police are conducting the training sessions, which were organized by the OU Union and the American Association of University Professors, to improve classroom safety for all. The use of hockey pucks allows those vulnerable to an active shooter attack to fight back with something heavy that will also cause a distraction, according to OU Police Chief Mark Gordon. "Hockey pucks provide the ability to be carried in briefcases or backpacks, are not considered a weapon and will meet the goal of distracting the shooter,” Gordon said. The OU Union has distributed hockey pucks to 800 of its members and will distribute an additional 1,700 pucks to students. "Part of the strategy for fighting is you need to create a distraction to give yourself time as a group in a classroom to rush the gunman so you can get your hands on the gun and take it away from the shooter," Gordon said.Although police and organizers find the pucks to be a good solution to the threat of a mass shooting, some students on campus disagree."I found it, at first, absurd," said Adam Kalajian, a third-year student at OU. "What good will it do? I mean, there’s an armed person coming in, why would you chuck a puck at them? What’s it going to do? Nothing." Jacob Gora, a fifth-year senior, echoed the same sentiment. "If I was to give you a puck and I had a gun, would I be able to take you out easily?" Gora asked. "I mean, a puck isn’t going to distract me or stop me from shooting someone."According to a release, the pucks also serve a second purpose. They're being used as a fundraising tool to equip all campus classroom doors with a lock that can be used without exiting the room in the event of an emergency. Already, ,000 has been raised for interior classroom locks through donations from the union and the Oakland University Student Congress.To view OU's active shooter guidelines, click here. But be warned — the reenactments in the training video are graphic.  2225