457 Plan

Residents opposed to plans to build a “brand new city” on green belt land said it would push the region to a “breaking point”. The Local Plan Project for Ashfield has proposed that a new development that will bring an additional 3,000 homes be built on the Hucknall Greenbelt at …

WASHINGTON (WETM / AP) – Congress was at the center of tense drama last week as Democrats simultaneously attempt to raise the debt ceiling, keep the government funded to avoid a shutdown and pass a plan in spending of $ 3.5 trillion. On Thursday, September 20, the Senate and House …

Report Encovi 2021: Venezuela is the poorest country in Latin America Venezuela has reached new levels of poverty according to Encovi. 94.5% of the population lives in poverty, of which 76.6% live in extreme poverty. Only a third of women are active in the economy, men earn more money in …

El Chile Cafe y Cantina is moving from its current location, 1809 Manor Road, to a new home at 1900 Manor Road. (Darcy Sprague / Community Impact Journal) 1. After 18 years, El Chile Cafe y Cantina is moving from its current location, 1809 Manor Road, to a new home …

The River Valley School Board on Tuesday appointed David Marshall as director of finance and operations. Her nomination was approved by a 6 to 3 vote, with directors Rick Harper, Molly Stiles, Connie Constantino, Mary Whitfield, Anthony “Tim” Canzano and Holly Gibson being in favor, and Beverly Caranese, Holly Hall …

Credit: Lightspring / Shutterstock ELLEN ANDRE At a forum sponsored by State Representative Kerry Wood on Friday, six national and local experts gave lawmakers specific policy tools to help consolidate the healthcare market and drive up drug prices that drive up health insurance premiums. Lawmakers also obtained specific tools used …

While the number of cases has remained stable in Gordon County, there has been a marked decrease in new COVID-19 cases statewide from last week. From Thursday to Monday, Gordon County recorded 93 new cases and one death. Statewide, there were 13,259 new cases and 413 deaths. Comparatively, there were …

Putting coins in a glass jar with a retro alarm clock to save time and save money for retirement … [+] concept getty We all know we need to save for retirement, but we also have limited funds to save. With all the different tax-advantaged retirement account options available, it …

On Friday evening, Mumbai police arrested two people for allegedly breaking into the office of a minority community and escaping with 2.79 kg of gold ornaments worth Rs 96 lakh. The accused, Nasir Khan (36) and Shridhar Krishnamurthi (33), respectively resident of Maharashtra Nagar in Mankhurd and GTB Nagar in …

New Delhi: The restrictions imposed under the Graduated Response Action Plan (GRAP) that come into effect whenever the air quality in Delhi’s National Capital Region (NCR) appears to be the main reason why the Chief Minister of Haryana, Manohar Lal Khattar, urged the Union government to relax pollution control provisions. …

By Mark DeBofsky (September 24, 2021, 3:26 p.m. EDT) – Should there be jury trials in cases of denial of benefits under the Employees Retirement Income Security Act? A recent United States District Court decision for the Southern District of Ohio, Phillips v. Sun Life Assurance Co. of Canada,[1] reopened …

I am 57 years old and my wife 55 years old. We have no children and no debts. We own our home and our vehicles. My wife is a business accountant and earns about $ 150,000 a year. I recently retired from the public service with a pension worth $ …

Roth individual retirement accounts and stand-alone annuities (IRAs) are subject to less strict distribution rules than employee benefit plans or other IRAs. It seems appropriate to harmonize the Roth IRA’s distribution rules with those of all other retirement vehicles in concert with current Congress proposals to: use Roth IRAs to …

If you hear the term QDRO, you will know that you are a full-fledged adult. It is an abbreviation that you will often hear about … If you hear the term QDRO, you will know that you are a full-fledged adult. It’s an abbreviation you’ll hear often from a judge …

Chinese real estate group Evergrande showed hope on Wednesday by announcing that it had “resolved” the interest payments on onshore bonds due this week days after the group’s debt crisis spilled over into the global market. But the world’s most indebted developers haven’t said when it will. Make a payment …

The number of deaths and new local cases that contributed to COVID-19 were relatively low over the weekend in Gordon County. From Thursday to Monday, Gordon County recorded 100 new cases and two deaths attributed to the virus. Statewide, 17,521 new cases and 455 deaths have been reported. The number …

APPENDIX 5.1 [Vedder Price Letterhead] September 20, 2021 El Pollo Loco Holdings, Inc. 3535, boul. Harbor, office 100 Costa Mesa, California 92626 Subject: Registration Statement on Form S-8 from El Pollo Loco Holdings, Inc. Ladies and gentlemen: We acted as counsel to El Pollo Loco Holdings, Inc., a Delaware corporation …

PHOENIX (AP) – Health officials in Arizona reported 2,457 new cases of COVID-19 and 26 more deaths on Sunday. The latest figures brought the state’s totals to 1,066,803 known cases and 19,513 deaths since the pandemic began more than a year ago. Health officials say people who are not fully …

Rocketclips / Shutterstock.com If you make contributions to your employer-sponsored IRA or 401 (k) retirement plan, you may be able to take advantage of the Savers Credit, also known as the Retirement Savings Contribution Credit. Find Out: 10 Reasons You Should Apply For Social Security EarlyLearn: How COVID-19 Impacted Retirement …

Copper provides a secure custody for OXY and MAPS tokens, supporting growing investor demand for Challenge Copper provides secure custody of OXY and MAPS tokens, supporting growing investor demand for Challenge LONDON, UNITED KINGDOM / ACCESS WIRE / September 17, 2021 / Copper.co, a leading provider of digital asset custody …

(vs) Award conditions. Subject to the terms of the plan, the administrator will determine the provisions, terms and conditions of each grant, including, but not limited to, the vesting schedule of the grant, redemption provisions, rights first refusal, the forfeiture provisions, the form of payment (in cash, shares or other …

EASTON, Pa .– Northampton County is preparing to buy 112 acres in East Allen Township, saving enough land to prevent the construction of four or five warehouses, county manager Lamont McClure said. The plot known as Spengler Farm would cost $ 2.69 million, or about $ 24,000 an acre. The …

These wild horses were part of a group that roamed the Sand Wash Basin near Maybell last Thursday. Since then, the Bureau of Land Management has herded around 500 horses as part of an effort to reduce the number of wild horses living in the basin and neighboring private lands.John …

When Mark Goldberg, president and CEO of New York-based Rochester-based Operation Brain Freeze, which owns and operates a chain of DQ Grill & Chill restaurants, heard about the Common Employer Plans (PEP), he started researching PEPs to see if they might be a good fit for his company’s 401 (k) …

Image by Bruno / Germany from Pixabay A 100 MW solar power plant, the first large-scale solar project in Uzbekistanekistan was inaugurated. The Nur Navoi project is also Uzbekistan’s first solar power plant successfully funded by an independent power producer (IPP). Saudi energy company Masdar has partnered with Mubadala Investment …

Food services will not work, but cafeterias, libraries and common learning spaces will be open Convenient programming is in place, but the lockers will remain locked. In a letter sent to parents late Friday afternoon, Simcoe Muskoka District Catholic School Board Education Director Frances Bagley explained what families need to …

While New York City has made addressing the affordability issue a top priority, due to the lack of available capital, scarcity of land and high construction costs, the city’s acute housing crisis persists. The pandemic has put additional pressure on the issue, but it has also created new opportunities, such …

The population of the Commonwealth of Virginia increased from 630,369 to 8,631,393, with the largest number of residents in the counties of Northern Virginia. Not all counties in Virginia have seen growth, especially in southwestern Virginia. Wise County lost the most population numerically with -5,322. However, Buchanan County lost the …

IT was on the verge of breaking records when the pandemic struck, but now Glasgow’s world-class entertainment venue looks to the future when it hosts more performances than ever in a single year. SSE Hydro, part of the SEC Glasgow campus, will host 180 performances in 2022 thanks to a …

What is the rush? EDITOR: Santa Rosa Junior College and City Council are proposing to close Elliott Avenue to through traffic to the detriment of our small residential neighborhood of over 200 primarily active families. Their one-year pilot project is based on what will soon be stale traffic data and …

WASHINGTON (AP) – The Senate has passed a nearly $ 1,000 billion bipartisan plan to rebuild roads and bridges, modernize public works systems and boost broadband internet, among other improvements to the country’s infrastructure. The White House predicts that the investments will create, on average, around 2 million jobs per …

The turnout was not exactly monumental for the August 5 special election in Petal, but 74% of voters approved an additional 3% tax on Petal restaurants which is expected to bring in $ 750,000 in additional revenue to the city each. year. The final but unofficial results from Petal Town …

The 32nd Brigade Combat Team’s Company A, 1st Battalion, 128th Infantry, held a Best Squad competition June 30, 2021, during annual training at Fort McCoy, Wisconsin. The soldiers pass wooden beams from one to the other in assembly line mode. (Photo credit: Wisconsin National Guard) SEE THE ORIGINAL MADISON, Wisconsin …

GREENSBORO, NC, July 21, 2021 (GLOBE NEWSWIRE) – Qorvo® (Nasdaq: QRVO), a leading provider of innovative RF solutions that connect the world, will host a conference call to review first quarter fiscal 2022 financial results on Wednesday, August 4, 2021 at 5:00 p.m. ET. The conference call will be webcast …

The United States released an announcement outlining how the 2009 amendment to the United States-Switzerland tax treaty applies to the pension and pension plans of both countries. As a backdrop, although the US-Swiss tax treaty dates from 1996 and the two countries agreed to amend the tax treaty in 2009, …

Negotiations to re-establish the Joint Comprehensive Plan of Action (JPCOA) are expected to resume in August after the inauguration of the new Iranian president, Ebrahim Raisi. The incoming administration is likely to include figures who have criticized current President Hassan Rouhani’s efforts to normalize political and economic ties with the …

The Garden City Public School District Operational and Security Plan 2021-22 was discussed at the regular $ 457 Education Council meeting on Monday evening. No final decision on the plan has been made. Glenda LaBarbera, assistant superintendent of $ 457, said three documents have been created to explain the COVID-19 …

If business titan Peter Thiel’s $ 5 billion tax-free individual retirement account makes you jealous, here’s one way to build a tax-free retirement savings pot without paying a lot of tax: a conversion Roth mega-backdoor. According to ProPublica investigative news site, over the past two decades, Mr. Thiel, one of …

As Operation TORAL, the UK’s contribution to NATO Resolute Support, comes to an end, a small number of UK servicemen will stay temporarily to support the transition to a new phase of UK government support to Afghanistan. . Operation TORAL has been the UK’s mission in Afghanistan since the end …

Santa Barbara County Public Health officials reported 29 additional cases of COVID-19 between Friday and Tuesday, and no new deaths. There have been two COVID-19-related deaths in the county in the past two weeks, and the cumulative death toll in the county stands at 457. Of the new cases between …

Young handsome businessman celebrating freedom success laughing with raised arms looking up to the sky. … [+] Positive human emotions face feelings of expression. Concept of career achievement financial freedom getty Now that we’ve celebrated our National Independence Day, it’s a good time to consider celebrating your own Financial Independence …

BURLINGTON, Vermont – After a year like no other, the city of Burlington held its first major organized rally since the pandemic began with the annual July 3 fireworks celebration. July 4 has been slated to be a milestone for Vermont and the country’s recovery from the COVID-19 pandemic for …

The most recent COVID-19 surveillance data has identified two cases as the most transmissible Delta variant, according to Santa Barbara County Public Health officials. The ministry was notified on Thursday by the University of Santa Barbara virology laboratory of the two additional cases. However, since surveillance testing is typically delayed …

The pandemic has forced many Americans to take a closer look at their bank accounts, and a harsh reality has emerged for many of them: They realize that they haven’t set aside enough for their years after the job. According to Bankrate’s Latest Financial Security Survey, 19% of Americans regret …

Santa Barbara County Public Health officials reported two deaths linked to COVID-19 and 29 new positive cases of the new coronavirus since Friday. One death was reported on Monday and another on Tuesday. The two people who died were over 70, one had underlying health issues and neither of the …

OTTAWA – Ontario Expands Expedited Eligibility for Second Dose of COVID-19 Vaccine, Ottawa Entering Stage 2 of COVID Reopening Plan and Virtual Canada Day Celebrations Due to COVID-19. CTVNewsOttawa.ca takes a look at five stories to watch in Ottawa this week. ACCELERATED ELIGIBILITY FOR THE EXTENDED SECOND DOSE Ontario is …

The US Army Corps of Engineers is reassessing its plan of operation to manage Lake Okeechobee water levels and lake water discharges. Known as the Lake Okeechobee System Operations Manual, the Corps hopes to approve a new plan in August 4 who will determine when and how much water is …

By Darren Lum It’s been a few weeks since the Gardens of Haliburton, a retirement home on Sunnyside Street near Maple Avenue in Haliburton officially opened to its new residents on May 1, but that hasn’t dampened the excitement. felt by Phil McKenzie. McKenzie, who is one of three partners …

WINDSOR, Connecticut – (BUSINESS WIRE) – June 22, 2021– Voya Financial, Inc. (NYSE: VOYA), today announced the launch of a new distinctive stable value solution that provides differentiated industry allocations and a diversity of managers. The new fund, known as Voya / RAM Focus Stable Value Fund, will be managed …

A look at some of the major trade events and economic indicators coming up this week: Parcel delivery giant FedEx released its fourth quarter results on Thursday. Wall Street expects FedEx to report that its profits climbed to $ 4.98 per share during the March-May period, from just $ 2.53 …

What would you like to know Roth IRAs do not have RMD requirements, unlike Roth 401 (k). Unlike Roth IRAs, Roth 401 (k) have no income limit on the ability to contribute. The two types of Roth accounts can be used together to help achieve your client’s goals. Roth IRA, …

Plans released by the West Yorkshire Combined Authority, which coincided with Clean Air Day 2021, propose to start the process of franchising local bus services and forging a stronger partnership with bus operators to make improvements for passengers. These measures will result in a more flexible bus network that will …

BizHawk is published weekly and includes material of interest to the business community. Share your company’s news, including employee announcements and staff movements, via email [email protected]. From the family who brought the cupcakes from Crushcakes come now Crush Bar & Tap, the newest bar in Santa Barbara. It is billed …

Posted: 06/17/2021 20:25:18 PM HADLEY – A second marijuana dispensary in Hadley, proposed for a vacant building on Highway 9, raises a neighbor’s concern that the business could impact his family’s quality of life and his ability to manage his life. house, a psychic reading company. At Tuesday’s first sitemap …

335 Japura Street, Punta Gorda 33983 Through Staff | at June 17, 2021 This beautiful green belt home with three bedrooms plus an office, 2.5 bath and three car garage with county water and sewer is located in the sought after community of Deep Creek. There is incredible curb appeal …

Tickers allow easy search functionality and accessibility of data TSX / NYSE / PSE: MFC SEHK: 945 BOSTON, June 15, 2021 / PRNewswire / – John hancock today announced its agreement with the Nasdaq Fund Network (NFN), allowing the registration of its collective investment funds (CIT) on the Nasdaq platform. …

PHILADELPHIA – The Black Clergy of Philadelphia and Area (BCPV) continues its outreach activities to help ensure that access to immunization is increased in neighborhoods in Philadelphia and surrounding counties. holding a “Vax 2 Victory” vaccination clinic on Wednesday June 23, 2021 at 2:00 pm at Galilee Baptist Church, 457 …

A client recently called and asked if any of his children could meet with us about their financial future. Her son graduated last May and accepted a job with a local company. The client went on to say that his son was not very knowledgeable about the financial world and …

Fresno, CA (KFSN) -African-American Academic Acceleration (A4) is launching its fourth summer program. We serve 500 Fresno Unified students from Kindergarten to Grade 6. A4 Acting Co-Director Tonisha Hargrove-Williams said: According to the California Department of Education, only 27% of third-grade black students at Fresno Unified are fluent in English …

More than 140,000 JobSeeker beneficiaries will be up to $ 457 worse in a planned crackdown on employment services, according to a Senate hearing. The Morrison government is trying to save $ 191.6 million over four years by removing a grace period that predates payments to job seekers when an …

A new report from the Government Accountability Office (GAO) sheds new light on the enforcement activities of the DOL’s Employee Benefits Security Administration. The 56-page report, Enforcement efforts to protect the rights of members of employer-sponsored pension and health benefit plans, provides what amounts to a tutorial on EBSA enforcement …

What would you like to know Health insurance surcharges for high-income retirees can reduce income. With the right income withdrawal strategies, your clients can reduce their exposure to these charges. Roth IRAs, life insurance, and reverse mortgages can be invaluable tools. Retirees are declaring bankruptcy at much higher rates today …

© (Silvia Razgova / For the Times) Dawn Perry brings simplicity and flavor to her new recipes for our weekday meal series. (Silvia Razgova / For the Times) This is the third part of our Meal week series, which will give you five weekday dinner recipes with all the planning …

The Polk County Commission, at its Tuesday meeting, ruled that 911 operators should get a pay scale increase for their starting salaries, and on July 1 anyone subsequently hired will now have a pension plan different from that of current employees. County commissioners voted unanimously at their June 8 regular …

METAIRIE, Louisiana – Jameis Winston and Taysom Hill both praised each other on Tuesday, insisting they support each other in their fight to become Drew Brees’ successor with the New Orleans Saints . Both quarterbacks are determined to make the most of this opportunity. “A year without playing made me …

Plans to add a bus lane to Cromer Road and Aylsham Road in Norwich have been called a waste of money by residents, but council officials say it will cut bus times. Two new sections of bus lanes to Norwich city center were put into consultation earlier this year, funded …

Council in Lambeth, a borough in south London, has taken delivery of six Kangoo E-Tech vans, Renault said. The new zero-emission vans are the first purchased by the Council and complement a fully electric Renault Zoe E-Tech car already in the fleet. Lambeth, which is one of the most polluted …

LOUISVILLE, Ky. (WAVE) – A triple shooting in the Highland Park neighborhood early Friday morning left a teenager dead and two others injured. Now the family is pleading for answers after not hearing from LMPD. “He had the biggest heart, he was the best person, he was the best person …

URBAN WILDLIFE REFUGE EXPANSION PLAN NEW ORLEANS – The US Fish and Wildlife Service plans to add wetlands to a national wildlife refuge in New Orleans and is seeking public comment. The Bayou Sauvage National Wildlife Refuge is one of the largest urban refuges in the national system, covering 22,265 …

A chain is as strong as its weakest link. The quadrilateral security dialogue process brings together Japan, Australia, India and the United States as an informal group of democracies to cooperate around the vast and critical Indo-Pacific maritime space. India has always been the weakest link in the chain. Its …

(The views and opinions expressed in this article are those of the attributed sources and do not necessarily reflect the position of Rigzone or the author.) Large oil and gas companies are under increasing pressure from shareholders to reduce greenhouse gas (GHG) emissions from their refineries and other facilities. A …

Chicago – The development of Casey Mize continues. Although on a hot Thursday evening at Guaranteed Rate Field, it was a losing effort. The Central Division leaders White Sox beat the Tigers 4-1 on Thursday, their 12th victory of the last 13 against Detroit. “I love that he is going …

Alaska ticks all the boxes for safe travel from COVID, with large spaces for easy social distancing, a sense of true escape, and the assurance of traveling within the country. But this summer, like last summer, travelers have likely lost a convenient and affordable way to explore Alaska: the Big …

San Antonio and Bexar County are on the brink of a major windfall as more than $ 850 million in federal stimulus flows into city and county coffers to help the region recover from the economic downturn brought on by the COVID-19 pandemic. Now local leaders have to figure out …

June 1 – COVID-19 cases in northeastern Pennsylvania continued to decline on Tuesday as the state Department of Health reported 24 new cases, continuing the region’s long-term decline. Tuesday also marked the third day in a row with no additional deaths reported. No deaths from COVID-19 were reported anywhere in …

Corradino Correctional Facility, built in 1842, now accommodates an average of 800 inmates at any one time, almost double its expected capacity. The establishment’s 469 cells are all built to accommodate a single person in detention. The sad and scandalous truth is that as many as 206 cells “house” two …

Does Australian rugby seriously consider revisiting the trauma and heartache of 2017 as plans progress to eliminate three Sydney clubs from the Shute Shield competition? Didn’t the game learn anything from the ax of western strength? The circumstances that Penrith, Western Sydney Two Blues and West Harbor face are all …

Law enforcement campaign until June 1 Over 8,000 traffic and vehicle violations tickets issued during last year’s initiative Governor Andrew M. Cuomo today announced that New York State Police and local law enforcement agencies across the state will increase patrols to combat impaired driving, with the drunk and reckless throughout …

Metro Creative Connection Fri 28 May 2021 13:40 Law enforcement campaign until June 1 √ Over 8,000 traffic and vehicle violations tickets issued during last year’s initiative Governor Andrew Cuomo announced that New York State Police and local law enforcement agencies across the state will increase patrols to tackle drunk, …

How cruel and ironic was it in Monaco that Charles Leclerc, the man who has yet to complete a race in his hometown, and put himself and Ferrari in the pound seats with a pole position dramatic, then should not even be able to take the start. this one? He …

An outdoor concert will be held during Seniors’ Week in Maple Ridge and Pitt Meadows. (Special for news) Outdoor concerts allowed to celebrate Seniors’ Week in Maple Ridge and Pitt Meadows Concerts will include live music and a take-out end-of-event treat Smack your toes as the Seniors Week outdoor concert …

Wednesday May 26, 2021, 8:57 amPress release: Fonterra Fonterra today announced a farm gate milk price range for the 2021/22 season of $ 7.25 to $ 8.75 per kgMS, with a midpoint of $ 8 per kgMS. It also reduced its planned Farmgate milk price range for 2020/21, reducing the …

Girl wrestling was approved for Horace Good and Kenneth Henderson Colleges for the 2021-2022 school year at the regular Education Council meeting at $ 457 on Monday. The topic was approved after being tabled at the Council meeting on April 26. In 2020, the Middle School Western Athletic Conference, the …

May 25, 2021 1:30 p.m. By COURTNEY JESPERSEN from NerdWallet Posted: May 25, 2021 1:30 p.m. Update: May 25, 2021 4:24 PM Nam Y. Huh Shoppers leave a retail store in downtown Chicago, Ill. On Saturday, May 22, 2021. For consumers who shop on Memorial Day this year, a large …

LINO LAKES – 2020 has been a year like no other for the Lino Lakes Public Safety Department. Public Safety Director John Swenson urged council and the public to keep this in mind when looking at the statistics in the ministry’s 2020 annual report and comparing them to previous years. …

What would you like to know The reintroduced Retirement Security & Savings Act will likely be incorporated into Secure Act 2.0, which was passed by a House panel in early May. A multi-employer plan expansion provision would apply to both 403 (b) and 457 plans. A provision to increase the …

May 13, 2021; Seattle, Washington, United States; Cleveland Indians designated hitter Franmil Reyes (32) celebrates in the dugout after hitting a solo home run against the Seattle Mariners in the second inning at T-Mobile Park. Mandatory Credit: Joe Nicholson-USA TODAY Sports MLB: A look at last week’s no-hitters by Matthew …

Here are six things we know – or think we know – about the just ended Regular Session of the Minnesota Legislature and what we can guess about the Special Session underway next month. It ended pretty much as the leaders predicted Asked about the apparent futility of two parties …

The $ 80 million Black Hills spent in just one week on gas to serve its more than 300,000 Nebraska customers was more than six times the amount it had spent for the entire month of February. Under the law, Black Hills and Northwestern, the only two natural gas companies …

Ukuleles won’t just be somewhere above the rainbow for some area classrooms next year. The Blues Angel Music Foundation plans to purchase ukulele sets for the classroom for up to 12 interested teachers to enhance children’s music education. The foundation also plans to teach teachers how to implement a ukulele …

Franmil Reyes has been pivotal in Cleveland’s roster all season, and he hit a home run on Saturday in the team’s 5-3 win over the Minnesota Twins. But manager Terry Francona won’t be able to write Reyes’ name in the roster for a while. Reyes was placed on the 10-day …

Parties to lawsuit alleging trustees of two Columbia University pension plans engaged in violations of the Employee Retirement Income Security Act (ERISA) that caused plan members to pay excessive fees agreed to settle. The case is a consolidation of two lawsuits brought during the same week in 2016. In 2019, …

Abundant Life teachers Sarah Hennebery, left, and Carmen Mondesir lead their weekend lesson, which included devotions, a circle hour, a spelling test, and a math lesson. The past year has been like a wild ride through nature since Abundant Life Christian Academy, a small private denominational school about 15 miles …

Do you work for an employer who offers you a non-qualifying deferred compensation plan (NQDC)? What is that? How it works? Should you use it? “Put simply, it’s a plan that allows you to take part of your salary or bonus, and avoid paying taxes on it today by putting …

LAS VEGAS (KLAS) – Nevada’s COVID-19 test positivity rate has fallen to 5.0%, meeting the recommended target set by the World Health Organization, according to data released Monday. The rate fell from 5.3% to 5.0% over the weekend, continuing a downward trend reported in the past month. The last time …