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Ranked the 8th fastest-growing among small breweries in the country in 2017, we go inside Eastlake’s Novo Brazil Brewing to see what makes them so good.Novo Brazil Brewing Co.901 Lane Ave #100, Chula Vista, CA 91914Phone: (619) 869-4274 MORE: Two San Diego County breweries among fastest growing in the nation    340

President Donald Trump suggested delaying the 2020 presidential election in a Thursday morning tweet while further perpetuating the false claim that mail-in voting leads to widespread voter fraud."With Universal Mail-In Voting (not Absentee Voting, which is good), 2020 will be the most INACCURATE & FRAUDULENT Election in history," Trump tweeted. "It will be a great embarrassment to the USA. Delay the Election until people can properly, securely and safely vote???"Despite Trump's repeated claims to the contrary, there is little evidence that mail-in voting leads to widespread voter fraud. Five states already conduct their elections entirely through the mail: Colorado, Hawaii, Oregon, Washington and Utah.In fact, Trump himself has voted by mail several times.In addition, legal experts say the president does not have the power to move Election Day. The Constitution provides that power to Congress, who passed a law in 1948 specifying election day as the first Tuesday in November. Democrats control the House of Representatives, and it's unlikely that they will vote to move the election at the behest of Trump.According to CNN and The New York Times, several top Republicans have already broken with Trump on the prospect of moving the 2020 election, including Senate Majority Leader Mitch McConnell, House Minority Leader Kevin McCarthy, Sen. Ted Cruz, Sen. Lindsey Graham and Sen. Marco Rubio. Trump has already suggested that he won't immediately accept the results of the election if he were to lose in November. Earlier this month in an interview with Fox News' Chris Wallace, Trump said it would "depend" if he would accept the results in which he lost, citing mail-in voting.Several recent national polls show Trump trailing his presumptive opponent, former Vice President Joe Biden, but double digits. Those same polls also show Trump trailing in key swing states. 1895

Researchers say a whale found in the Arctic could be susceptible to COVID-19 since it's "particularly susceptible to infection."Researchers headed up by Martin Nweeia from Case Western Reserve University School of Dental Medicine in Cleveland, Ohio, will observe wildlife, mainly the narwhal whale is known for its vast nine-foot tusk."Scientists have a difficult enough time keeping up with the human spread of this virus, so we are eager to monitor an animal that is particularly susceptible to infection," Nweeia said in a press release.Nweeia has studied the narwhal for over 20 years, so he and his team know that animals can get the deadly virus."If this coronavirus were to gain a foothold in wildlife, there could be potential cascading impacts for ecosystems worldwide and the communities that rely on them," Nweeia added.Additionally, Nweeia and his team have already been observing the Ugandan lowland gorilla see its susceptibility because if it ever came into contact with one organism with COVID-19, it could wipe out the entire species, Nweeia said. 1072

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Retail stores everywhere are feeling the pressure. If they don't get people into their doors, they could be the next Sears, J.C. Penny or Toys “R” Us.  Retail experts say 3,000 stores have closed just this year.  It's a vicious cycle, with more people shopping online, more stores close. And malls take a hit with stores closing."If it's a three-anchor store and two anchors close, then you're probably done," explains real estate expert Greg Maloney.Maloney says don’t be fooled though. He says malls aren't dying, instead, they are reinventing themselves.  "We need to make the shopping experience a lot more exciting," he says.Just like it was in the 80s, the movie theater at malls made a comeback to get people in the doors.There's a mall in Nashville, Tennessee that opened a Madame Tussaud wax museum to attract shoppers. In providence, Rhode Island turned the second level into apartments to really keep people from leaving.With mall reinventing themselves, Maloney says you’ll really notice change at the department stores. "I don't think they will completely go away, but I think they will be downsized,” Maloney says. “They will be smaller and fewer of them.”As for vacant spots in malls: get ready to see more online stores like Bonobos, UNTUCKit and Amazon open up brick and mortar stores, allowing shoppers to have the best of both worlds. 1381

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