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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 wildfires rage across the western part of the country, firefighters are doing their best to contain the flames and prevent further devastation. Most of the fires are burning in areas that haven't seen a wildfire in a long time, making the loss of life and land even worse."It's been difficult. This is becoming all too common. Another record-breaking, severe, unprecedented fire season here in Colorado. And this was the largest forest fire in the White River National Forest history," said Forest Supervisor Scott Fitzwilliams, speaking about the Grizzley Creek Fire. Fitzwilliams says not all wildfires cause complete destruction. In fact, many provide some crucial ecological benefits. Take the big horn sheep who live in the forest. "Their defense mechanism is those big eyes on the sides of their heads so they can see predators coming. And so, they will abandon a habitat when there's too many trees and too much brush and so in many areas of the canyon, this fire improved big horn sheep habitat," said Fitzwilliams.The Grizzly Creek Fire also burned the top of a canyon, helping the habitat for elk and deer. A silver lining to the Grizzley Creek Fire, which also charred creeks that provide drinking water for an entire town in Colorado and was unexpectedly slowed by an early snowfall in the area.At Sequoia and Kings Canyon National Parks in Central California, fire officials conduct what they call "prescribed burns.""A prescribed burn is literally us giving a prescription to the forest," said Mike Theune, Fire Information Officer for Sequoia and Kings Canyon National Parks. Prescribed burns are slow and steady, clear out unnecessary brush and naturally revitalize a forest, he says.Theune and Fitzwilliams say, for more than 80 years, fire services across the country used to put out any and all fires, even if they occurred naturally, such as from lightning."[In the] early 1900s when forest service came into view and smokey bear and we thought we needed to put out all the fires and we did. And we did a great job of it and Smokey Bear was the best spokesperson we could ever ask for but what that did is significantly change the landscape as far as the density of vegetation," said Fitzwilliams."We need to restore that ecosystem to what those natural levels are and one of the ways we can do it is through a very measured and very managed scientifically based approach to prescribed burning," said Theune.Theune says not all national forests in the country need prescribed burns as there are some states that deal with too many forest fires. National parks and forests officials say it's important to evaluate each individual ecosystem's needs in order to preserve their beauty for years to come. 2730

As many restaurants navigate reopening during the COVID-19 pandemic, some have had to close their doors for good. Many of the hardest hit are buffet-style restaurants as national and state agencies are trying their best to safely keep buffets operating."The toughest part of restaurants right now is if you’ve got a buffet, how do you provide that safely? And so what we’ve guided folks currently is that you can have a buffet but you have to have somebody serve you," says Rob Mortensen, President and CEO of Hospitality Tennessee. The group is working closely with the National Restaurant Association and government officials to provide guidelines for restaurants and hotels during the coronavirus pandemic."As I worked with [Tenn. Gov. Bill Lee] on guidance for restaurants and attractions, our biggest issues are around buffets and big sporting events where you have tens of thousands of people together, because it’s hard to reduce that contact," says Mortensen.Many people are used to being able to serve yourself at a buffet but experts are now advising buffet-style restaurants to instead have restaurant employees serve customers. Even hotels that normally offer a morning buffet are instead offering their guests breakfast to-go."I would say look at how you’re doing things. If it makes sense to serve people from the buffet I think for the next short bit that’s going to be the most challenging thing we’re going to address," says Mortensen.Recently, national chain Sweet Tomatoes, also known as Souplantation in Southern California, announced it's closing all 97 of its locations permanently due to COVID-19. In a statement on their website, Sweet Tomatoes thanked their 4,400 employees and their customers who have shown an outpouring of support for the salad bar and buffet since it first opened more than 40 years ago."That’s extremely sad and I would say, you know one of the things in my role watching this over the last four months as my wife has said I’ve probably aged 20 years, because it’s hard and you know the difference between keeping somebody safe and a business going under I mean the hardships there are on both sides," says Mortensen.Mortensen expects a real fundamental change in how buffets will operate for the foreseeable future, with many looking to reinvent themselves in order to stay open. 2335

Bad news: There is a small chance an asteroid will collide with Earth. The good news: Mankind has more than 115 years to prepare for it. According to a Washington Post report, NASA is preparing for possible tactics to deflect the asteroid Bennu, which will approach Earth Sept. 21, 2135. As of today, NASA rates Bennu's chance of striking Earth at one-in-2,700.The asteroid is roughly 1,600 feet in diameter, and would not be an Earth-ending event if it struck. But that doesn't mean it couldn't cause damage, especially if it struck near a populated area. Bennu is likely dozens of times larger than the object that struck near Chelyabinsk, Russia in 2013, causing hundreds of injuries, and thousands of broken windows. The event caused nearly million in damage to roughly 7,000 buildings. The 2013 event shows that even small objects are capable of causing massive damage. In 2016, NASA launched OSIRIS-REx, which will land on the asteroid and bring back samples. The information gathered could help NASA decide what steps it would take to deflect the asteroid. According to the Washington Post, NASA is working on a plan called the Hypervelocity Asteroid Mitigation Mission for Emergency Response, or HAMMER. NASA's HAMMER plan could involve using a nine-ton bulk impactor to push Bennu out of Earth's path. Another idea would be straight out of the movie "Armageddon," using a nuclear-type device to move the asteroid. A NASA engineer involved in the study told the Washington Post all of these ideas are theoretical. “We’re doing these design studies to prepare ourselves, so if we do find a threatening object, we’re better prepared to deal with it,” Brent W. Barbee, NASA engineer, told the Post.To read the Washington Post's full report, click here.  1855

Bad actors online are gearing up for the election.Experts with the cyber security company Check Point are warning that before, during and after Election Day, you could see clever campaigns to cast doubt on accuracy and results of the election.“You know, in contrast to previous elections, where it's been about very targeted looking to gain access to things, we really think from what we've seen from a research perspective is that it will be a larger attempt to create disruption versus anything else,” said Mark Ostrowski with Check Point.The software company is warning of a flood of memes on social media. They say the goal is to get so many going and people sharing them that algorithms and admins won’t be able to keep up with taking them down.The goal is to spread false information or create disruption.Check Point is sounding the alarm so people can educate themselves and not spread these.“We even have some of our researchers and instant response folks have even seen some evidence or some type of reliable information where regardless of who wins, there are certain mean themes that are going to be saying, hey, this, this is who the victor is regardless of what the actual results are to again to create this indecision To create this division,” said Ostrowski.Obviously, you can simply report an image on any social media site and only share credible sources on election information. 1405