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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

Moderna is asking American regulators to allow emergency use of its COVID-19 vaccine. It says its final results show the vaccine is 94% effective.The drug maker says it had 196 COVID-19 cases so far in its study. It says 185 of those participants received the placebo, while 11 got the real vaccine. The 30 people who became seriously ill in the trial didn't get the vaccine.FDA advisors are expected to look at all the evidence on December 17. They'll be checking out Pfizer’s vaccine on December 10.Pfizer and Moderna's success with their COVID-19 trials could impact how vaccines are made in the future.It has to do with how they work. They use what's called messenger RNA (mRNA) technology. The virus' genetic code is injected into the body so it can instruct cells on what antibodies to produce.It hasn't been approved to be used in a commercial vaccine before.“In the future, it's clearly going to be tough to beat RNA vaccines for speed and that's a wonderful thing. Just this demonstration of how incredibly fast they can move has been great. How effective they can be, I think will depend on a particular disease,” said Shane Crotty, Ph.D. with the La Jolla Institute for Immunology.Crotty says the narrowest application for this vaccine technology in the future is a similar situation where there's a new emerging virus."The mRNA vaccine has been tried for other infectious diseases and they have been investigated for cancer. There's a whole area of trying to vaccine against cancer, which has kind of been an elusive target,” said Dr. Alessandro Sette with the La Jolla Institute for Immunology.A big question with an mRNA vaccine is how long its protection will last. While there is encouraging findings, there's no historical comparison to look at.A big thing experts say has helped with a vaccine is there has been a lot of money put towards manufacturing before we even knew it would work.Click here to learn more about mRNA vaccines. 1958

Millions of small, black cerith snails cover one area of Fort De Soto Beach, Florida, stunning wildlife lovers. The shellfish, known as cerith snails, cover nearly the entire length of the beach. Robert Neff snapped several pictures of the bizarre event. “I grew up in Florida and I’ve never seen anything like this. It was amazing to see,” he said.What makes this so odd is Cerith snails don’t typically wash up onto land. They’re usually along the bottom of the ocean in flat reefs or hiding in coral reefs where the temperature is warm. The snails are in an area off the south end of the parking lot at Fort DeSoto’s North beach, which borders the bird sanctuary. Neff said the low tide exposed the snails over the weekend, and many are still at the beach. His photographs, along with video taken by Mark Freels of See Through Adventures, have been widely shared across social media. One former research assistant from the Georgia Sea Turtle Center said it's possible the snails came to the shallow waters because they found food, which was washed up by recent hurricanes, on the beach. Freels said it was a very strange and magnificent sight.“My job is to take people on kayak adventures and you never know what you’ll find. This was very interesting to see,” he said. 1330

NASA has unveiled its billion plan to send the first woman to the moon.On Monday, the agency said they hope to have a woman and man land on the moon in 2024.“With bipartisan support from Congress, our 21st-century push to the Moon is well within America’s reach,” said NASA Administrator Jim Bridenstine in the press release. “As we’ve solidified more of our exploration plans in recent months, we’ve continued to refine our budget and architecture. We’re going back to the Moon for scientific discovery, economic benefits, and inspiration for a new a generation of explorers. As we build up a sustainable presence, we’re also building momentum toward those first human steps on the Red Planet.”The last time humans landed on the lunar surface was 1972, the agency said.While on the moon, the astronauts will collect samples and conduct experiments for a week before heading home on Orion. 901