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These are external links and will open in a new window. Self-employed people whose work has been affected by coronavirus will receive a "second and final" grant in August, the government says.

It comes as details of the extended furlough scheme were also outlined. This is being paid in one instalment. Those whose work has been affected by coronavirus will still be able to apply for this lump sum until 13 July.

At the government's daily press conference, Mr Sunak has now announced applications for a second taxable grant will open in August. Applicants will need to confirm their work has been affected by the virus, but they would not need to have taken the first grant to be eligible for the second.

One of those eligible is musical director Yshani Perinpanayagam, who has seen work dry up since her show at the Royal Shakespeare Company was cancelled at the start of lockdown.

She was worried that without more support she would not have known how she would feed herself, having paid many essential bills using savings, but she still worries about the long-term outlook if people are unable or slow to return to arts venues.

The announcement comes after a cross-party group of MPs signed a letter sent by Labour's Siobhain McDonagh to Mr Sunak calling for more support for the self-employed.

It warned that failing to offer an extension would "would pull the safety net from under the feet of millions of self-employed workers". Mr Sunak also announced more details of how the furlough scheme for employees will be paid for in the coming months.

The Treasury says that there is not direct parity between the two schemes but, unlike furloughed workers, the self-employed could technically continue with some work while receiving support from the government.

Policymakers have rightly recognised that self-employed business owners working in a lot of sectors - not least hair and beauty, events and travel - will be massively impacted by the current downturn for many weeks to come.

A number of self-employed people, such as directors who pay themselves in dividends and the newly self-employed, are unhappy at missing out on the government's self-employment support package.

You can file a claim on your car insurance policy if you have comprehensive coverage listed at the time the vehicle is damaged.

Your comprehensive deductible will apply. If the damage sustained to the vehicle is lower than the deductible, your insurance will not pay any money for repairs.

Many insurance carriers do not surcharge for comprehensive claims. Many do begin surcharging if you file three comprehensive claims in a three year period, however, and some insurance carriers surcharge for all claims including comprehensive.

It is best to check with your insurance carrier to verify how they handle surcharging for different types of claims.

Often, out of moral obligation, the at-fault person who hit, kicked, or threw the ball will come forward and offer to pay for the damages or the deductible.

The deductible can be a cheaper way to go for the person who caused the damage. Unfortunately, you are going to have a hard time forcing the at-fault person to pay up.

If they are unwilling to take responsibility, you will be on your own—unless you want to pursue the issue in small claims court.

The at-fault party can file a claim on their homeowner's policy for liability if the incident occurred on their property.

Many home policies do not have a deductible on liability. However, the surcharge on a home policy can be steep at your next renewal due to filing a claim, and this surcharge can last three years on home insurance policies.

Often, paying out of pocket is the cheaper route to go. Home policies of the at-fault party cover adults and children in accidental mishaps, but intentional vandalism is usually not covered.

And, for your information, the home owner's policy will not cover damage your children caused to your vehicle! Most likely, you will need to file a claim on your car insurance policy under comprehensive coverage if your vehicle is damaged at a baseball stadium or golf course.

You probably will not know who caused the damage and the stadium or course will not accept liability. It certainly would not hurt to bring it to the stadium or golf course's attention.

If they did not provide proper netting or other necessary safety measures, you could bring in a lawyer and potentially have a case. In most cases, though, the cost of the damage won't warrant these steps—it will be more hassle than it's worth.

Chances are, even if you know who caused the damage, you will not be able to go after them. It is a risk you take when parking somewhere that you know could be in the line of fire.

Keep comprehensive coverage on your vehicle at all times if you are concerned with the potential for physical damage to your vehicle.

Expect to pay for repairs yourself. You will most likely either have to pay out of your own pocket or by filing a claim on your car insurance policy.

You can hope that, if the at-fault party comes forward or is caught red-handed, the moral obligation will take over and they will volunteer to cover the damages.

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The year fixed-rate mortgage dropped three basis points to an average of 2. The previous record low for the benchmark year mortgage was set just two weeks ago at 3.

Mortgage rates have dropped to historic lows multiple times this year as the coronavirus pandemic has caused turmoil in markets and the economy.

The drop came even though there were some positive indicators about the state of the economy, including the rise in pending home sales and consumer confidence.

When the coronavirus outbreak first began worsening in the U. The trajectory of rates will largely depend on the direction the recovery from the pandemic takes.

And some of those states were driving the rebound in the housing market that began taking shape back in May. A report released this week by the housing data provider HouseCanary found that Florida and Texas were leading the country in terms of elevated demand for homes at the end of June.

Last week, the number of applications for mortgages used to purchase homes dropped, according to data from the Mortgage Bankers Association.

Double-click the English transcript below to play the video. Transcript: English. Auto scroll. Why you should listen A seasoned communicator and entrepreneur, JD Schramm teaches the theoretical and practical aspects of effective communication as a lecturer in management at Stanford's Graduate School of Business.

JD Schramm: Break the silence for suicide attempt survivors. Applicants will need to confirm their work has been affected by the virus, but they would not need to have taken the first grant to be eligible for the second.

One of those eligible is musical director Yshani Perinpanayagam, who has seen work dry up since her show at the Royal Shakespeare Company was cancelled at the start of lockdown.

She was worried that without more support she would not have known how she would feed herself, having paid many essential bills using savings, but she still worries about the long-term outlook if people are unable or slow to return to arts venues.

The announcement comes after a cross-party group of MPs signed a letter sent by Labour's Siobhain McDonagh to Mr Sunak calling for more support for the self-employed.

It warned that failing to offer an extension would "would pull the safety net from under the feet of millions of self-employed workers".

Mr Sunak also announced more details of how the furlough scheme for employees will be paid for in the coming months.

The Treasury says that there is not direct parity between the two schemes but, unlike furloughed workers, the self-employed could technically continue with some work while receiving support from the government.

Policymakers have rightly recognised that self-employed business owners working in a lot of sectors - not least hair and beauty, events and travel - will be massively impacted by the current downturn for many weeks to come.

A number of self-employed people, such as directors who pay themselves in dividends and the newly self-employed, are unhappy at missing out on the government's self-employment support package.

The UN health agency says the pandemic is likely to be "lengthy" and response fatigue is a risk.

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