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MOSCOW (AP) — Russian President Vladimir Putin says that a coronavirus vaccine developed in his country has been cleared for use and one of his daughters has already been inoculated, even as international experts have questioned its safety. Speaking at a government meeting Tuesday, Putin said that the vaccine has proven efficient during tests, offering a lasting immunity from the coronavirus. Putin added that the vaccine underwent the necessary tests, saying that one of his two adult daughters has received two shots of the vaccine. Putin said that his daughter had a temperature of 38 degrees Celsius (100.4 Fahrenheit) on the day of the first vaccine injection, and then it dropped to just over 37 degrees (98.6 Fahrenheit) on the following day. After the second shot she again had a slight increase in temperature, but then it was all over.“She’s feeling well and has high number of antibodies,” Putin added. He didn’t specify which of his two daughters — Maria or Katerina — received the vaccine.However, scientists at home and abroad have been sounding the alarm that the rush to start using the vaccine before Phase 3 trials — which normally last for months and involve thousands of people — could backfire.Russian authorities have said that medical workers, teachers and other risk groups will be the first to be inoculated. 1344

Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore 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.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

NATIONAL CITY, Calif., (KGTV)-- Residents and business owners in the South Bay are bracing for another round of floods. They have already seen flooding on 18th Street in National City this week, caused by the king tides. Now with the rain, many expect it to be worse. According to FEMA, businesses near West 18th Street and Roosevelt Ave. are right in a low-elevation flood zone. Ocean water travels from the San Diego Bay, up the Sweetwater Channel, and into Paradise Creek. That creek backs right into Jose's Auto Electric yard. Wednesday morning, the city shut down the road because of flooded streets caused by King Tides. During the day, luckily, the water receded before reaching the front door at Jose's Auto Electric. Check 10News Pinpoint Weather The combination of rain and king tides reminded employee Alma Ramirez of last year's disaster. She remembered 30 inches of rainwater gushing into her office and destroying her equipment. "We lost a lot of stuff, and I remembered that I forgot my purse," Ramirez said. "I said, 'Oh my purse!' And I tried to come back, but in less than five minutes, the water was already up. And I said 'Forget about it, just let me get out of here.'"If the flooding gets worse, Ramirez said she may have to move all of the low profile cars in their shop to another location to avoid flood damage for their customers.Meanwhile, neighboring businesses closer to Paradise Creek have already put up sandbags to protect their front office doors and garages. Ramirez hopes it does not get to that point for her shop.The National Weather Services estimates the Flash Flood Watch to continue through 10 p.m. Thursday. A Beach Hazard Statement is in effect until 7 p.m. Friday. 1718

Missouri Attorney General Josh Hawley has opened a criminal investigation in the duck boat accident that killed 17 people on a lake near Branson.The investigation into the July 19 tragedy at Table Rock Lake is being conducted under the Missouri Merchandising Practices Act, according to Mary Comptom, a spokeswoman for Hawley."We are working with investigators to determine the facts and whether any criminal charges are appropriate," she said in a statement.Word of the investigation comes days after the filing of a wrongful death lawsuit seeking 0 million in damages from the operator of the duck boat. When the Ride the Ducks Branson amphibious vessel started sinking July 19, the canopy entrapped the passengers and dragged them to the bottom of the lake, attorney Robert Mongeluzzi told reporters Monday. 821

NASHVILLE, Tenn. (AP) — Grammy-winning country group The Dixie Chicks have dropped the word dixie from their name, now going by The Chicks. The group made of Martie Maguire, Natalie Maines, and Emily Strayer posted a statement on their website saying they wanted to meet "this moment."The group also acknowledged that there was an existing band in New Zealand that allowed them "to share their name." The move follows a decision by country group Lady Antebellum to change to Lady A after acknowledging the word's association to slavery. That band received criticism with their switch after a Black singer revealed she'd been performing as Lady A for years. 664

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