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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

As states prepare to assist in distributing potential coronavirus vaccines by November 1, Surgeon General Jerome Adams doubted a vaccine would be ready so soon.Speaking to ABC’s Good Morning America, Adams said a Nov. 1 vaccine was “possible, but not probable.”Last week, the federal government asked states to be prepared to begin assisting in distribution of COVID-19 vaccines to the public this fall.The memo signed by CDC head Robert Redfield told governors that the federal government has contracted with the McKesson Corporation to assist in distributing the vaccine to local and state health departments, medical facilities, doctor officers, and other vaccine providers.So why is the government getting states ready for a vaccine on November 1 even if it’s unlikely a vaccine will be approved by then?"It's not contradictory information," Adams told Good Morning America. "We've always said that we're hopeful for a vaccine by the end of this year or the beginning of next year.""We want to make sure states are available to distribute it," he added.While there is urgency for both public health and economic reasons for a vaccine, some experts have expressed concern over the speed of a vaccine and whether the expedited timeline is long enough to demonstrate efficacy. Dr. Anthony Fauci told NBC News on Wednesday that he believes a “safe and effective” vaccine could be ready by the end of the year."I believe that by the time we get to the end of this calendar year, that we will feel comfortable that we do have a safe and effective vaccine," he told NBC News.On Monday, a third vaccine candidate entered “Phase 3” trials in the US. AstraZeneca is testing its COVID-19 vaccine candidate for 30,000 participants. The AstraZeneca vaccine would come in two separate doses, according to the National Institutes of Health.Even though a vaccine could be ready by year’s end, trials will be expected to continue for over a year to monitor for possible side effects.According to the FDA, a typical Phase 3 trial would take one to three years.“NIH is committed to supporting several Phase 3 vaccine trials to increase the odds that one or more will be effective in preventing COVID-19 and put us on the road to recovery from this devastating pandemic,” said NIH Director Francis S. Collins, M.D., Ph.D. “We also know that preventing this disease could require multiple vaccines and we’re investing in those that we believe have the greatest potential for success.”On Friday, President Donald Trump reiterated that a vaccine would be ready soon."We have tremendous, tremendous talent, some tremendous scientists, and they're right there, and I think you're going to hear some very good news,” Trump said. 2714

Attorneys for former FBI Director James Comey and the US House of Representatives fought in court Friday afternoon over whether Comey must testify to Congress in a private hearing next week.While Comey technically seeks to pause or kill the subpoena, he is using the case to air his accusation that members of the Republican-led House and Senate selectively leak details for their own benefit when they call witnesses to testify in private.Attorneys for the House called Comey's request "so extraordinary and frivolous that, as far as undersigned counsel is aware, no district court in the history of the Republic has ever granted such a request."Judge Trevor McFadden said at the hearing that he hoped to rule Monday morning after meeting again with both legal teams.The meat of Friday's dispute was how each side characterizes Comey's congressional subpoena. Comey's team says Congress is in violation of its own rules by not conducting its fact-finding hearing in public. The hearing won't require that level of secrecy because no sensitive law enforcement information is expected to be discussed, Comey's team said.The House general counsel countered that because Comey's testimony would be a deposition with staff, a public session isn't required.McFadden asked whether Comey could release a transcript of his testimony to get the full picture before the public. But Comey's lawyers said that would take too much time, allowing leaks of the information before Comey could release his full testimony.When McFadden asked Comey's attorney whether he agreed with the House that a judge has never limited Congress in this way before, the lawyer David Kelley responded, "Here's your opportunity, Judge."Comey has said he would like to testify publicly about the separate investigations into Hillary Clinton's email practices and Russian interference in the 2016 election -- in front of live TV cameras as he has done before."The broader purpose of these tweets and leaks appears to be to mislead the public and to undermine public confidence in the FBI and the DOJ during a time when President Trump and members of his administration and campaign team are reported to be under investigation by Special Counsel Robert Mueller and other law enforcement authorities," Comey wrote in his complaint. He says he is a "victim" of Congress' "unauthorized and abusive tactics."Comey did not attend Friday's hearing in person.He has asked the judge to issue an emergency order to pause the congressional proceedings and to quash the subpoena. In theory, Comey could lose his court challenge and still win what he's seeking, if he manages to convince the judge to pause his subpoena until the House flips to Democratic control at year's end.The case initially was set to be heard by Judge Timothy Kelly, a Trump appointee, then was reassigned randomly to McFadden, also a Trump appointee, after Kelly likely recused from the case. 2941

Avocado pits as a dye? Well, that's precisely what Chipotle Mexican Grill is going to use on their new clothing and accessories line Chipotle Goods.According to a news release that was released Monday, the company will use the pits that are leftover from some of their restaurants that will be "upcycled" to create "natural avo dyed goods.""We know people are looking to celebrate their passion for Chipotle, and we set out to create a line of products with the same thoughtfulness, care, and attention to detail that we use in our kitchens," said Chris Brandt, Chipotle chief marketing officer in the news release. "With Chipotle Goods, our fans can get quality items that support sustainable agriculture and represent our mission of cultivating a better world."The gender-neutral collection will feature items like avocado lined jean jackets, avocado dyed t-shirts and sweatshirts, graphic tees that are customizable, which will allow fans to "select their ingredients as they do in the restaurant."To create the plant-based dye, the company said the pits would be simmered in water.The stains will vary in color, the company said."Each unique piece from the avo dyed collection requires five avocado pits, equivalent to five orders of guac, depending upon the season and size of the fruit," the fast-food chain said in the release.The line will be released to the general public on Tuesday and can be accessed by going to www.chipotlegoods.com. 1455

Authorities have identified the body of a young boy found at a New Mexico compound as Abdul-Ghani Wahhaj, a missing 3-year-old who was allegedly abducted by his father in November, according to the state's Office of the Medical Investigator.The boy's remains were discovered a few days after authorities first raided the makeshift compound earlier this month and discovered 11 emaciated children wearing rags and no shoes.Abdul-Ghani, who would have turned 4 the day his body was discovered, had been missing since last November, when his father, 40-year-old Siraj Wahhaj, allegedly took him from his mother in Jonesboro, Georgia, and said they were going to a park.They never returned.New Mexico authorities suspected the boy and his father were at the compound after learning about the abduction in May, according to the Taos County sheriff, but didn't have enough evidence for a search warrant. 915