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Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593
ASHLAND, Ore. -- In the Rogue Valley of southern Oregon, you’ll find rows upon rows of vineyards. Rob Folin is the winemaker at Belle Fiore in Ashland.Although the grapes are different, the dry climate is similar to Napa Valley, making it very ideal conditions for wine-making. However, just like other crops, the weather can have a huge impact on wine grapes. As a winemaker, Folin says he needs to know what his vineyards are facing and how to handle what Mother Nature throws at him.“Rain, snow, frost, smoke, fire, we’ve got it all,” Folin said.In the summertime, it can be clear one day and smoky the next.“Right during harvest or right before is when it’s the worst time to have smoke – which would be right now,” Folin said.Harvest season in southern Oregon typically starts in mid-September and goes until mid-October. Folin says one of the stressors for a winemaker is smoke taint. That’s when smoke gets trapped in the skin of the grapes giving them a campfire aroma and ashy texture. It’s a flavor very few people enjoy.“If your vineyard had a fire right next to it and you just had solid smoke coming in there, then you can really have this barbecue or campfire kind of aroma,” Folin said.Unless you send your grapes in somewhere to get tested, Folin says there’s no way to know your grapes have smoke taint until they go through fermentation. He says whether a grape is impacted or not depends on a lot of factors, and it’s very unpredictable.“Our vineyard here could be totally fine, and the one across the street, their resulting wines could be smoky, like it’s just how the wind goes, the intensity of the smoke, how long it was there, how close it was, did it settle overnight.”When it comes down to it, there’s only so much you can control. As of right now, not much can be done to prevent smoke taint, and smoky summers in the western U.S. seems to be the norm lately.Folin says winemakers that face a lot of smoke taint can make more white wines since white wines are fermented without the grape skin. Or they can market their wines to consumers as a smoky wine for those that like the taste. At the end of the day, Folin says winemakers have to go with the flow.“Just roll with it," Folin said. "Ya know, fix what you can. If you can’t do anything about it, what can you do? Do what you can do and move forward.”With the exception of one fire near the vineyard in the past month, Folin says it’s been a very great year for his vineyard. He’s hopeful something good can come out of 2020 after all.“With all the stuff that’s going on, maybe we’ll have the best grapes this year. I don’t know. Just going to count on that.” 2649

BALTIMORE — A doctor described as providing care to the "sickest patients" in Baltimore died of COVID-19, Mercy Medical Center said in a Facebook post.Dr. Joseph J. Costa, the chief of critical care at the hospital, was 56 years old."Joe was more than a trusted colleague; he was also a true friend to many. He dedicated his life and career to caring for the sickest patients. And when the global pandemic came down upon us, Joe selflessly continued his work on the front lines—deeply committed to serving our patients and our City during this time of great need. His memory will live on as an example to us all," the hospital said in a Facebook post.Costa joined Mercy in 1997 and became Chief of Critical Care in 2005. From 2010 to 2016 he served as an officer of the Mercy Medical Staff, culminating with his 2-year tenure as President of the Medical Staff."Joe was admired and respected among providers throughout the Baltimore region for his clinical expertise. He was beloved by his patients and their family members—known for his warm and comforting bedside manner as well as his direct and informative communication style. When he counseled our patients and families, he did so with great compassion and empathy. For all the nurses and staff who worked closely with Joe on the Intensive Care Unit, he was like an older brother that all admired and revered," the post continued.Read the full letter below. Dear Friends of Mercy, It is with great sadness that we mourn the loss of Joseph J. Costa, M.D., Chief, Division of...Posted by Mercy Medical Center, Baltimore, MD on Saturday, July 25, 2020 This story was originally published by Brandon Ingram on WMAR in Baltimore. 1702
As the coronavirus pandemic is expected to continue spreading into the holiday season, how retailers handle the shopping season remains a huge question. On Wednesday, one major retailer said it is adapting its Black Friday to the times.Home Depot said it is opting not to have a big one-day sale in stores. Instead, the home improvement retailer will host its Black Friday sales throughout the holiday season both in stores and online.“Savings will start in early November and last through December, both in-store and on homedepot.com,” the company said on its website. “Say goodbye to one day of frenzied shopping and enjoy Black Friday savings all season long without the stress and crowds.Home Depot added that it will remain closed on Thanksgiving like in years past. A number of retailers that are typically open on Thanksgiving are also opting to close for the holiday. 883
Attorney General Jeff Sessions is once again under scrutiny on Capitol Hill regarding his candor about Russia and the Trump campaign amid revelations that he rejected a suggestion to convene a meeting between Russian President Vladimir Putin and Donald Trump last year.According to court filings unsealed this week, Trump campaign foreign policy adviser George Papadopoulos suggested at a March 2016 meeting that he could use his connections to set up a meeting between Putin and Trump with the then-GOP candidate's national security team. An Instagram picture on Trump's account shows Sessions attended the meeting at which Papadopoulos made the suggestion.After Trump declined to rule out the idea, Sessions weighed in and rejected the proposed meeting, according to a person who attended. 799
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